Koss-Olinger Consulting, LLC
In its 13F for Q4 2025 (holdings as of December 31, 2025, filed February 10, 2026), Koss-Olinger Consulting, LLC reported 269 stock positions worth $1.3 billion. Its top holding was Schwab US Large-Cap ETF (SCHX) at 20.8% of the portfolio, followed by PIMCO Active Bond Exchange-T (BOND, 9.5%) and iShares Core U.S. Aggregate (AGG, 5.4%). Compared with Q3 2025, it opened 10 new positions, sold out of 52, added to 37 and reduced 198. The biggest buy was PIMCO Active Bond Exchange-T (BOND, shares +100%) and the biggest sale Pacer Trendpilot US Large Ca (PTLC, shares −99%).
- Most Recent 13F
- Q2 2026
- Location
- GAINESVILLE, FL
- CIK
- 0001861163
- Portfolio Value
- $1.3B (Q4 2025)
- SEC Filing
- 0001861163-26-000004 ↗ filed Feb 10, 2026
Holdings Value
Holdings 269 stocks · $1.3B
| SCHX Schwab US Large-Cap ETF | 20.85% | 9,998,509 | $269.1M | Add +6.2% |
| BOND PIMCO Active Bond Exchange-T | 9.49% | 1,315,663 | $122.5M | Add +100.5% |
| AGG iShares Core U.S. Aggregate | 5.44% | 703,413 | $70.3M | Add +111.5% |
| JPSE JPM Diversified RT Small Cap filed as J P MORGAN EXCHANGE TRADED F | 4.79% | 1,233,487 | $61.8M | Reduce -0.5% |
| USHY iShares Broad Usd High Yield | 4.28% | 1,478,347 | $55.3M | Add +22.4% |
| SPMD SS SPDR P S&P 400 Midcap ETF | 3.97% | 884,396 | $51.2M | Add +2.0% |
| EFG iShares MSCI Eafe Growth ETF | 3.18% | 360,727 | $41.1M | Add +247.0% |
| SPYV SS SPDR P S&P 500 Value ETF | 3.04% | 691,510 | $39.3M | Add +5.5% |
| SPEM State Street SP PTF Em ETF | 2.91% | 801,112 | $37.5M | Reduce -0.5% |
| IVE iShares S&P 500 Value ETF | 2.29% | 139,511 | $29.6M | Reduce -11.2% |
| TSLA Tesla Inc. | 2.29% | 65,725 | $29.6M | Reduce -19.0% |
| GVI iShares Intermediate Governm | 2.24% | 269,270 | $28.9M | Add +19.4% |
| BLV Vanguard Long-Term Bond ETF | 2.21% | 410,220 | $28.5M | Reduce -34.1% |
| ISTB iShares Core 1-5 Year Usd Bo | 2.15% | 568,963 | $27.7M | Add +22.1% |
| VWO Vanguard Ftse Emerging Marke | 2.11% | 507,585 | $27.3M | Add +142.6% |
| EFIV SS SPDR S&P 500 ESG ETF | 2.10% | 408,847 | $27.0M | Reduce -1.3% |
| NVDA Nvidia Corp. | 1.67% | 115,644 | $21.6M | Reduce -5.1% |
| IWB iShares Russell 1000 ETF | 1.50% | 51,682 | $19.3M | Reduce -5.7% |
| IWR iShares Russell Mid-Cap ETF | 1.15% | 153,748 | $14.8M | Reduce -12.4% |
| ICF iShares Select U.S. REIT ETF | 0.88% | 189,612 | $11.3M | Reduce -9.0% |
| IVW iShares S&P 500 Growth ETF | 0.74% | 77,560 | $9.6M | Reduce -34.4% |
| BRK.B Berkshire Hathaway Inc. Class B | 0.66% | 16,921 | $8.5M | Reduce -17.6% |
| IVV iShares Core S&P 500 ETF | 0.63% | 11,854 | $8.1M | Reduce -6.4% |
| MOAT Vaneck Morningstar Wide Moat | 0.55% | 68,990 | $7.1M | New |
| EFV iShares MSCI Eafe Value ETF | 0.47% | 85,342 | $6.1M | Reduce -15.1% |
| XJH Ishare ESG SS S&P Midcap ETF | 0.47% | 135,070 | $6.0M | Reduce -0.1% |
| AAPL Apple Inc. | 0.45% | 21,245 | $5.8M | Reduce -7.4% |
| VTV Vanguard Mrngstr Val ETF-Aui | 0.43% | 29,080 | $5.6M | Reduce -18.7% |
| NUBD Nuveen ESG US Aggregate Bond | 0.42% | 244,218 | $5.5M | Reduce -11.3% |
| GOOG Alphabet Inc. Class C | 0.41% | 16,854 | $5.3M | Reduce -38.0% |
| PACB Pacific Biosciences of Calif | 0.38% | 2,600,000 | $4.9M | Reduce -21.2% |
| MSFT Microsoft Corp. | 0.35% | 9,336 | $4.5M | Reduce -35.6% |
| MDYV SS SPDR S&P 400 MC Val ETF | 0.33% | 50,980 | $4.3M | Reduce -10.5% |
| VSGX Vanguard ESG Intl Stock ETF | 0.32% | 57,700 | $4.1M | No change |
| AMZN Amazon.com Inc. | 0.31% | 17,520 | $4.0M | Reduce -35.2% |
| MDYG SS SPDR S&P 400 MC GR ETF | 0.31% | 43,640 | $4.0M | Reduce -6.9% |
| RSP Invesco S&P 500 Equal Weight | 0.27% | 18,357 | $3.5M | Reduce -21.1% |
| XLK SS Technology Select Sector | 0.26% | 22,999 | $3.3M | Reduce -0.9% |
| SPY SS SPDR S&P 500 ETF Trust-US | 0.24% | 4,596 | $3.1M | Reduce -30.1% |
| STIP iShares 0-5 Year Tips Bond E | 0.23% | 29,075 | $3.0M | Reduce -7.5% |
| ESGE iShares Inc. iShares ESG Awar | 0.21% | 60,945 | $2.7M | Reduce -0.7% |
| VGSR Vert GLB Sust Re ETF filed as MANAGER DIRECTED PORTFOLIOS | 0.21% | 255,814 | $2.7M | Reduce -9.2% |
| HII Huntington Ingalls Industrie | 0.20% | 7,528 | $2.6M | Reduce -23.9% |
| CGW Invesco S&P Global Water Ind | 0.19% | 39,252 | $2.5M | Reduce -0.7% |
| GSK GSK PLC-Spon ADR | 0.19% | 48,981 | $2.4M | Reduce -25.4% |
| GE General Electric filed as GE AEROSPACE | 0.17% | 7,276 | $2.2M | Reduce -1.8% |
| SCHH Schwab US REIT ETF | 0.17% | 105,540 | $2.2M | No change |
| SFST Southern First Bancshares | 0.17% | 42,397 | $2.2M | No change |
| CRWV Coreweave Inc. Class A | 0.17% | 30,009 | $2.1M | New |
| INCY Incyte Corp. | 0.17% | 21,677 | $2.1M | Reduce -49.3% |
| META Meta Platforms Inc. Class A | 0.16% | 3,099 | $2.0M | Reduce -46.7% |
| PII Polaris Inc. | 0.16% | 31,704 | $2.0M | Reduce -21.9% |
| DIS The Walt Disney Co. filed as DISNEY WALT CO | 0.15% | 17,465 | $2.0M | Reduce -22.6% |
| EL Estee Lauder Companies Class A filed as LAUDER ESTEE COS INC | 0.15% | 18,714 | $2.0M | Reduce -23.3% |
| QQQ Invesco QQQ Trust Series 1 | 0.15% | 3,158 | $1.9M | Reduce -27.4% |
| AVGO Broadcom Inc. | 0.15% | 5,457 | $1.9M | Reduce -65.0% |
| BUD Anheuser-Busch Inbev-SPN ADR | 0.14% | 28,887 | $1.9M | Reduce -22.1% |
| PLTR Palantir Technologies Inc. Class A | 0.14% | 10,310 | $1.8M | Reduce -48.9% |
| CATH Global X S&P 500 Ca Val ETF | 0.14% | 22,041 | $1.8M | Reduce -15.3% |
| SLYG SS SPDR S&P 600 SC GR ETF | 0.14% | 18,709 | $1.8M | Reduce -13.2% |
| RTO Rentokil Initial PLC-SP ADR | 0.14% | 59,235 | $1.7M | Reduce -23.9% |
| PYPL PayPal Holdings Inc. | 0.13% | 29,755 | $1.7M | Reduce -52.1% |
| ST Sensata Technologies Holdplc | 0.13% | 51,461 | $1.7M | Reduce -22.1% |
| SCHF Schwab Intl Equity ETF | 0.13% | 68,501 | $1.6M | Add +1.1% |
| CTVA Corteva Inc. | 0.13% | 24,462 | $1.6M | Reduce -22.8% |
| VTI VG Morningstar TS MKT ETF-US | 0.12% | 4,808 | $1.6M | Reduce -40.1% |
| GOOGL Alphabet Inc. Class A | 0.12% | 5,114 | $1.6M | Reduce -5.3% |
| CTSH Cognizant Tech Solutions-A | 0.12% | 19,222 | $1.6M | Reduce -21.9% |
| ALB Albemarle Corp. | 0.12% | 11,266 | $1.6M | Reduce -22.4% |
| DVN Devon Energy Corp. | 0.12% | 41,744 | $1.5M | Reduce -23.9% |
| VEEV Veeva Systems Inc. Class A | 0.12% | 6,675 | $1.5M | Reduce -23.1% |
| NXPI NXP Semiconductors NV | 0.12% | 6,847 | $1.5M | Reduce -22.5% |
| IXN iShares Global Tech ETF | 0.11% | 14,111 | $1.5M | Reduce -12.7% |
| VFC VF Corp. | 0.11% | 79,645 | $1.4M | Reduce -18.7% |
| QVMT Invesco S&P 500 Concentrated | 0.11% | 24,674 | $1.4M | Reduce -6.5% |
| SPYG SS SPDR P S&P 500 Growth ETF | 0.11% | 12,766 | $1.4M | Reduce -33.0% |
| LHX L3HARRIS Technologies Inc. | 0.10% | 4,606 | $1.4M | No change |
| DG Dollar General Corp. | 0.10% | 9,842 | $1.3M | Reduce -23.6% |
| LYG Lloyds Banking Group PLC-ADR | 0.10% | 231,342 | $1.2M | Reduce -23.8% |
| SDY SS SPDR S&P Dividend ETF | 0.09% | 8,502 | $1.2M | Reduce -1.2% |
| BELFB Bel Fuse Inc. Class B | 0.09% | 6,916 | $1.2M | Reduce -12.8% |
| GEV GE Vernova Inc. | 0.09% | 1,788 | $1.2M | Reduce -1.2% |
| XSOE Wisdmtree Emerg MKT Ex-St Ow | 0.09% | 29,483 | $1.1M | Reduce -38.4% |
| VOO Vanguard S&P 500 ETF | 0.09% | 1,822 | $1.1M | Reduce -74.8% |
| IEFA iShares Core MSCI Eafe ETF | 0.09% | 12,768 | $1.1M | Reduce -5.3% |
| IWS iShares Russell Mid-Cap Valu | 0.09% | 7,967 | $1.1M | Reduce -3.5% |
| JNJ Johnson & Johnson | 0.09% | 5,310 | $1.1M | Reduce -19.1% |
| MDY State Street SPDR S&P Midcap | 0.08% | 1,798 | $1.1M | Reduce -5.9% |
| APH Amphenol Corp. Class A | 0.08% | 8,015 | $1.1M | No change |
| CMCSA Comcast Corp. Class A | 0.08% | 36,020 | $1.1M | Reduce -47.3% |
| VO Vngrd Mrngstr MD-Cap ETF-Usd | 0.08% | 3,689 | $1.1M | Reduce -9.5% |
| BIO Bio-Rad Laboratories-A | 0.08% | 3,488 | $1.1M | Reduce -42.4% |
| PG The Procter & Gamble Co. | 0.08% | 7,318 | $1.0M | Reduce -4.6% |
| NFLX Netflix Inc. | 0.08% | 11,146 | $1.0M | Reduce -44.3% |
| CMP Compass Minerals Internation | 0.08% | 53,131 | $1.0M | Reduce -36.0% |
| LAC Lithium Americas Corp. | 0.08% | 231,449 | $1.0M | Reduce -23.9% |
| BSCQ Invesco Bulletshares 2026 CB | 0.08% | 50,156 | $982K | Add +14.0% |
| REVG Rev Group Inc. | 0.07% | 15,736 | $957K | Reduce -12.1% |
| RPRX Royalty Pharma PLC Class A | 0.07% | 24,305 | $939K | Reduce -22.5% |
| PFE Pfizer Inc. | 0.07% | 37,150 | $925K | Reduce -52.9% |
Portfolio Sells Q3 2025 → Q4 2025
| PTLC Pacer Trendpilot US Large Ca | Reduce -99.2% | 0.02% | −2.40 |
| HYEM Vaneck Emrg MKTS Hi YLD | Reduce -99.0% | 0.02% | −1.91 |
| BLV Vanguard Long-Term Bond ETF | Reduce -34.1% | 2.21% | −1.37 |
| ROKU Roku Inc. | Sold out | 0.00% | −0.36 |
| IVW iShares S&P 500 Growth ETF | Reduce -34.4% | 0.74% | −0.33 |
| VOO Vanguard S&P 500 ETF | Reduce -74.8% | 0.09% | −0.25 |
| PYPL PayPal Holdings Inc. | Reduce -52.1% | 0.13% | −0.25 |
| MSFT Microsoft Corp. | Reduce -35.6% | 0.35% | −0.25 |
| IVE iShares S&P 500 Value ETF | Reduce -11.2% | 2.29% | −0.24 |
| AVGO Broadcom Inc. | Reduce -65.0% | 0.15% | −0.21 |
| META Meta Platforms Inc. Class A | Reduce -46.7% | 0.16% | −0.20 |
| EMHY iShares J.P. Morgan Em High | Sold out | 0.00% | −0.19 |
| IWR iShares Russell Mid-Cap ETF | Reduce -12.4% | 1.15% | −0.19 |
| NKE Nike Inc. Class B | Reduce -68.2% | 0.07% | −0.18 |
| ARKB ARK 21SHARES Bitcoin ETF | Sold out | 0.00% | −0.18 |
| AMZN Amazon.com Inc. | Reduce -35.2% | 0.31% | −0.18 |
| ICF iShares Select U.S. REIT ETF | Reduce -9.0% | 0.88% | −0.18 |
| BRK.B Berkshire Hathaway Inc. Class B | Reduce -17.6% | 0.66% | −0.16 |
| TM Toyota Motor Corp. -Spon ADR | Sold out | 0.00% | −0.16 |
| VTIP Vanguard Short-Term Tips | Sold out | 0.00% | −0.16 |
| FMC FMC Corp. | Reduce -60.4% | 0.02% | −0.15 |
| NFLX Netflix Inc. | Reduce -44.3% | 0.08% | −0.14 |
| BSV Vanguard Short-Term Bond ETF | Reduce -85.6% | 0.02% | −0.13 |
| PAYC Paycom Software Inc. | Reduce -53.7% | 0.05% | −0.13 |
| TSM Taiwan Semiconductor-SP ADR | Reduce -76.4% | 0.05% | −0.13 |
| LRCX Lam Research Corp. | Sold out | 0.00% | −0.13 |
| GILD Gilead Sciences Inc. | Reduce -75.4% | 0.04% | −0.12 |
| CRSP Crispr Therapeutics AG | Reduce -72.9% | 0.05% | −0.12 |
| BABA Alibaba Group Holding-SP ADR | Sold out | 0.00% | −0.12 |
| CMCSA Comcast Corp. Class A | Reduce -47.3% | 0.08% | −0.12 |
| INTU Intuit Inc. | Sold out | 0.00% | −0.11 |
| SSNC Ss&c Technologies Holdings | Sold out | 0.00% | −0.11 |
| AMGN Amgen Inc. | Sold out | 0.00% | −0.10 |
| MMM 3M Co. | Sold out | 0.00% | −0.10 |
| SPY SS SPDR S&P 500 ETF Trust-US | Reduce -30.1% | 0.24% | −0.09 |
| VTV Vanguard Mrngstr Val ETF-Aui | Reduce -18.7% | 0.43% | −0.09 |
| VEEV Veeva Systems Inc. Class A | Reduce -23.1% | 0.12% | −0.09 |
| LW Lamb Weston Holdings Inc. | Reduce -54.6% | 0.05% | −0.09 |
| PFE Pfizer Inc. | Reduce -52.9% | 0.07% | −0.09 |
| IFF Intl Flavors & Fragrances | Reduce -54.4% | 0.06% | −0.09 |
| PLTR Palantir Technologies Inc. Class A | Reduce -48.9% | 0.14% | −0.09 |
| UPS United Parcel Service Class B | Reduce -56.9% | 0.06% | −0.08 |
| NUBD Nuveen ESG US Aggregate Bond | Reduce -11.3% | 0.42% | −0.08 |
| ZBH Zimmer Biomet Holdings Inc. | Reduce -52.0% | 0.07% | −0.08 |
| XYZ Block Inc. | Sold out | 0.00% | −0.08 |
| CPB The Campbell's Company | Reduce -52.6% | 0.05% | −0.08 |
| AMN Amn Healthcare Services Inc. | Reduce -53.6% | 0.04% | −0.08 |
| DIS The Walt Disney Co. | Reduce -22.6% | 0.15% | −0.08 |
| RSP Invesco S&P 500 Equal Weight | Reduce -21.1% | 0.27% | −0.08 |
| VTI VG Morningstar TS MKT ETF-US | Reduce -40.1% | 0.12% | −0.08 |
Portfolio Buys Q3 2025 → Q4 2025
| BOND PIMCO Active Bond Exchange-T | Add +100.5% | 9.49% | +4.49 |
| AGG iShares Core U.S. Aggregate | Add +111.5% | 5.44% | +2.72 |
| EFG iShares MSCI Eafe Growth ETF | Add +247.0% | 3.18% | +2.22 |
| SCHX Schwab US Large-Cap ETF | Add +6.2% | 20.85% | +1.85 |
| VWO Vanguard Ftse Emerging Marke | Add +142.6% | 2.11% | +1.26 |
| MOAT Vaneck Morningstar Wide Moat | New | 0.55% | +0.55 |
| USHY iShares Broad Usd High Yield | Add +22.4% | 4.28% | +0.54 |
| ISTB iShares Core 1-5 Year Usd Bo | Add +22.1% | 2.15% | +0.28 |
| GVI iShares Intermediate Governm | Add +19.4% | 2.24% | +0.25 |
| SPYV SS SPDR P S&P 500 Value ETF | Add +5.5% | 3.04% | +0.21 |
| CRWV Coreweave Inc. Class A | New | 0.17% | +0.17 |
| SPMD SS SPDR P S&P 400 Midcap ETF | Add +2.0% | 3.97% | +0.07 |
| SUB iShares Short-Term National | New | 0.06% | +0.06 |
| BSMZ Inves Bltshrs 2035 MB ETF | New | 0.04% | +0.04 |
| TIC Tic Solutions Inc. | New | 0.03% | +0.03 |
| SHYG iShares 0-5 YR HY Corp. Bond | New | 0.02% | +0.02 |
| STOT SS DL St Dur TR Tact ETF | New | 0.02% | +0.02 |
| BWA Borgwarner Inc. | New | 0.02% | +0.02 |
| TER Teradyne Inc. | New | 0.02% | +0.02 |
| RY Royal Bank of Canada | New | 0.02% | +0.02 |
| RTX RTX Corp. | Add +40.2% | 0.04% | +0.02 |
| VPL Vanguard Ftse Pacific ETF | Add +38.8% | 0.04% | +0.01 |
| IBTI iShares Ibonds Dec 2028 Term | Add +25.6% | 0.05% | +0.01 |
| IBTH iShares Ibonds Dec 2027 Term | Add +23.0% | 0.05% | +0.01 |
| IWM iShares Russell 2000 ETF | Add +24.2% | 0.03% | +0.01 |
| IBTG iShares Ibonds Dec 2026 Term | Add +21.6% | 0.05% | +0.01 |
| BSMR Invesco Bulletshares 2027 MB | Add +18.3% | 0.06% | +0.01 |
| BSCR Invesco Bulletshares 2027 CB | Add +17.0% | 0.06% | +0.01 |
| BSCS Invesco Bulletshares 2028 CB | Add +16.7% | 0.06% | +0.01 |
| IEMG iShares Core MSCI Emerging | Add +19.2% | 0.03% | +0.01 |
| REX Rex American Resources Corp. | Add +75.8% | 0.06% | +0.01 |
| BSCQ Invesco Bulletshares 2026 CB | Add +14.0% | 0.08% | +0.01 |
| NEE Nextera Energy Inc. | Add +0.0% | 0.05% | +0.00 |
| SCHF Schwab Intl Equity ETF | Add +1.1% | 0.13% | +0.00 |
| AXP American Express Co. | Add +1.2% | 0.04% | +0.00 |
| BSJQ Invesco Bulletshares 2026 HY | Add +16.4% | 0.04% | +0.00 |
| BMY Bristol-Myers Squibb Co. | Add +7.8% | 0.02% | +0.00 |
| BSJS Invesco Bulletshares 2028 HY | Add +18.3% | 0.03% | +0.00 |
| BSJR Invesco Bulletshares 2027 HY | Add +18.4% | 0.03% | +0.00 |
| SCHG Schwab US Large-Cap Growth | Add +5.4% | 0.03% | +0.00 |
| UNH Unitedhealth Group Inc. | Add +5.3% | 0.03% | +0.00 |
| VB Vanguard Most SM-Cap ETF-Usd | Add +0.1% | 0.03% | +0.00 |
| VYM Vanguard High DVD Yield ETF | Add +0.9% | 0.02% | +0.00 |
| BND Vanguard Total Bond Market | Add +1.7% | 0.02% | −0.00 |
| PANW Palo Alto Networks Inc. | Add +14.3% | 0.03% | −0.00 |
| BSMQ Invesco Bulletshares 2026 MB | Add +0.2% | 0.06% | −0.00 |
| HRL Hormel Foods Corp. | Add +2.2% | 0.03% | −0.01 |
All Filings
| Quarter | Positions | 13F Reported Value | Top Holdings |
|---|---|---|---|
| Q2 2026 | 172 | $1.3B | SCHX, ACWX, BOND, SPMD, AGG |
| Q1 2026 | 254 | $1.2B | SCHX, BOND, AGG, ACWX, SPMD |
| Q4 2025 | 269 | $1.3B | SCHX, BOND, AGG, JPSE, USHY |
| Q3 2025 | 311 | $1.2B | SCHX, BOND, JPSE, SPMD, USHY |
| Q2 2025 | 314 | $1.2B | SCHX, BOND, JPSE, SPMD, USHY |
| Q1 2025 | 307 | $1.2B | SCHX, BOND, JPSE, USHY, BLV |
| Q4 2024 | 185 | $1.1B | SCHX, BOND, JPSE, USHY, BLV |
| Q3 2024 | 276 | $1.2B | SCHX, JPSE, BLV, USHY, SPMD |
| Q2 2024 | 267 | $1.1B | SCHX, IVE, JPSE, BLV, TSLA |
| Q1 2024 | 46 | $184.9M | MSFT, AIG, APH, AMZN, MA |