Lutz Financial Services LLC

In its 13F for Q1 2024 (holdings as of March 31, 2024, filed May 3, 2024), Lutz Financial Services LLC reported 86 stock positions worth $1.1 billion. Its top holding was Vanguard S&P 500 ETF (VOO) at 10.6% of the portfolio, followed by SS SPDR P S&P 500 Value ETF (SPYV, 9.7%) and iShares Core S&P Midcap ETF (IJH, 7.6%). Compared with Q4 2023, it opened 2 new positions, added to 27 and reduced 42. The biggest buy was iShares MBS ETF (MBB, shares +134%) and the biggest sale iShares 1-5Y Inv Grade (IGSB, shares −3%).

Most Recent 13F
Q2 2026
Location
OMAHA, NE
CIK
0001737112
Portfolio Value
$1.1B (Q1 2024)
SEC Filing
0001737112-24-000003 ↗ filed May 3, 2024

Holdings Value

0$500.0M$1.0B$1.5B$2.0B Q1 2024: $1.1B $1.1B Q1 2024 Q2 2024: $1.1B Q2 2024 Q3 2024: $1.2B Q3 2024 Q4 2024: $1.2B Q4 2024 Q1 2025: $1.2B Q1 2025 Q2 2025: $1.3B Q2 2025 Q3 2025: $1.4B Q3 2025 Q4 2025: $1.5B Q4 2025 Q1 2026: $1.5B Q1 2026 Q2 2026: $1.6B Q2 2026

Holdings 86 stocks · $1.1B
VOO Vanguard S&P 500 ETF 10.64% 253,480 $121.8M Reduce -0.5%
SPYV SS SPDR P S&P 500 Value ETF 9.67% 2,208,903 $110.7M Add +0.1%
IJH iShares Core S&P Midcap ETF 7.57% 1,426,495 $86.6M Add +0.4%
BND Vanguard Total Bond Market 6.46% 1,018,741 $74.0M Add +2.4%
VTEB Vanguard Tax-Exempt Bond ETF 5.25% 1,189,003 $60.2M Add +13.1%
MDYV SS SPDR S&P 400 MC Val ETF 4.42% 665,207 $50.6M Add +3.1%
VCSH Vanguard S/T Corp. Bond ETF 4.07% 602,707 $46.6M Add +2.0%
SCHP Schwab U.S. Tips ETF 3.77% 828,563 $43.2M Add +0.4%
SPY SS SPDR S&P 500 ETF Trust-US 3.58% 78,407 $41.0M Reduce -0.5%
MUB iShares National Muni Bond E 2.60% 276,642 $29.8M Add +2.1%
MBB iShares MBS ETF 2.45% 303,450 $28.0M Add +134.5%
IGSB iShares 1-5Y Inv Grade Corp. 2.16% 482,986 $24.8M Reduce -3.1%
DFAC Dimensional US Core Equity 2 2.10% 751,257 $24.0M Add +9.0%
IVE iShares S&P 500 Value ETF 1.96% 120,259 $22.5M Reduce -1.6%
IJR iShares Core S&P Small-Cap E 1.81% 187,076 $20.7M Add +0.5%
AGG iShares Core U.S. Aggregate 1.80% 210,158 $20.6M Add +0.7%
BSV Vanguard Short-Term Bond ETF 1.51% 225,706 $17.3M Add +8.6%
SCHM Schwab US Mid Cap ETF 1.44% 202,144 $16.5M Reduce -0.6%
TIP iShares Tips Bond ETF 1.30% 139,014 $14.9M Reduce -1.7%
VOOV Vanguard S&P 500 Value ETF 1.29% 82,003 $14.8M Reduce -6.8%
IJJ iShares S&P Mid-Cap 400 Valu 1.29% 124,413 $14.7M Reduce -2.6%
DFIC Dimensional International Co. 1.28% 548,691 $14.7M Add +14.1%
DFAS Dimensional US Small Cap ETF 1.25% 228,718 $14.3M Add +0.2%
SLYV SS SPDR S&P 600 SC Val ETF 1.24% 171,514 $14.2M Add +1.1%
IVV iShares Core S&P 500 ETF 1.23% 26,806 $14.1M Reduce -2.4%
SCHX Schwab US Large-Cap ETF 1.15% 212,303 $13.2M Reduce -1.3%
DUHP Dimensional US High Profi Et 1.14% 412,899 $13.1M Add +17.9%
VOE Vngrd Mrngstr MD-Cap Val ETF 1.09% 79,908 $12.5M Reduce -1.2%
IUSV iShares Core S&P U.S. Value 1.03% 130,255 $11.8M Reduce -0.7%
IVOV Vanguard S&P Mid-Cap 400 Val 1.00% 126,368 $11.5M Reduce -5.7%
QUAL iShares MSCI USA Quality Fac 0.99% 69,204 $11.4M Reduce -3.1%
MDY State Street SPDR S&P Midcap 0.95% 19,597 $10.9M Reduce -0.2%
AVDE Avantis International Equity 0.80% 144,102 $9.2M Reduce -1.0%
VTV Vanguard Mrngstr Val ETF-Aui 0.76% 53,445 $8.7M Reduce -0.5%
SCHA Schwab US Small-Cap ETF 0.76% 176,126 $8.7M Reduce -0.3%
DFAT Dimensional US Target Value 0.69% 146,102 $8.0M Reduce -3.4%
DFUV Dimensional US Marketwide Va 0.51% 143,081 $5.9M Reduce -0.4%
AVUV Avantis US Small Cap Value 0.51% 62,286 $5.8M Add +1.9%
SUB iShares Short-Term National 0.49% 53,296 $5.6M Reduce -10.6%
VTIP Vanguard Short-Term Tips 0.46% 109,817 $5.3M Add +4.5%
IEMG iShares Core MSCI Emerging 0.44% 96,540 $5.0M Reduce -0.8%
VBR Vngrd Mrngst SL-CP Val ETF-U 0.43% 25,759 $4.9M Reduce -0.2%
STPZ PIMCO 1-5 Year US Tips Index 0.43% 95,953 $4.9M Reduce -1.2%
IJS iShares S&P Small-Cap 600 Va 0.40% 44,940 $4.6M Reduce -1.0%
IWV iShares Russell 3000 ETF 0.40% 15,253 $4.6M No change
DFEM Dimensional Emrg MRKT Core 0.36% 163,831 $4.2M Add +19.4%
ISTB iShares Core 1-5 Year Usd Bo 0.35% 83,601 $4.0M Reduce -15.5%
STIP iShares 0-5 Year Tips Bond E 0.28% 31,748 $3.2M Add +25.7%
VWO Vanguard Ftse Emerging Marke 0.26% 72,573 $3.0M Reduce -0.3%
VNQ Vanguard Real Estate ETF 0.18% 23,788 $2.1M Reduce -24.7%
BRK.B Berkshire Hathaway Inc. Class B 0.17% 4,588 $1.9M No change
MSFT Microsoft Corp. 0.11% 3,096 $1.3M Add +6.3%
FNDF Schwab Fndmn Intl LRG Co. ETF 0.11% 34,746 $1.2M No change
VGSH Vanguard Short-Term Treasury 0.10% 20,123 $1.2M Reduce -57.7%
VO Vngrd Mrngstr MD-Cap ETF-Usd 0.10% 4,462 $1.1M Reduce -0.8%
DFIV Dimensional International Va 0.09% 28,514 $1.0M Reduce -1.0%
VEA Vanguard Ftse Developed ETF 0.09% 20,558 $1.0M No change
AAPL Apple Inc. 0.09% 5,902 $1.0M Add +1.9%
VV Vngrd Mrgstr LRG-Cap ETF-Usd 0.08% 3,791 $909K No change
VTI VG Morningstar TS MKT ETF-US 0.08% 3,474 $903K Reduce -1.5%
VB Vanguard Most SM-Cap ETF-Usd 0.07% 3,616 $827K No change
IWM iShares Russell 2000 ETF 0.07% 3,613 $760K No change
IWN iShares Russell 2000 Value E 0.06% 4,485 $712K Reduce -0.2%
VIG Vanguard Dividend Apprec ETF 0.06% 3,760 $687K No change
IWD iShares Russell 1000 Value E 0.06% 3,685 $660K Reduce -3.7%
SCHG Schwab US Large-Cap Growth 0.06% 7,019 $651K No change
NVDA Nvidia Corp. 0.06% 713 $644K Add +11.2%
AMZN Amazon.com Inc. 0.05% 3,053 $551K Add +1.9%
SPMD SS SPDR P S&P 400 Midcap ETF 0.04% 9,573 $511K No change
SCHH Schwab US REIT ETF 0.04% 21,700 $441K Reduce -4.7%
VT Vanguard Tot World STK ETF 0.04% 3,827 $423K Reduce -4.6%
META Meta Platforms Inc. Class A 0.04% 856 $416K Add +3.8%
IWR iShares Russell Mid-Cap ETF 0.03% 4,068 $342K No change
VCIT Vanguard Int-Term Corporate 0.03% 4,075 $328K No change
JPM JPMorgan Chase & Co. 0.03% 1,558 $312K Reduce -1.4%
AVGO Broadcom Inc. 0.03% 235 $311K Add +1.7%
QEMM State Street SPDR MSCI Emerg 0.03% 5,120 $296K No change
DLN Wisdomtree US Largecap Divid 0.03% 4,046 $292K No change
LLY Eli Lilly & Co. 0.03% 368 $286K Reduce -3.4%
EFA iShares MSCI Eafe ETF 0.02% 3,356 $268K Reduce -0.3%
GOOGL Alphabet Inc. Class A 0.02% 1,728 $261K Reduce -0.9%
ILCB iShares Morningstar U.S. Equ 0.02% 3,356 $243K No change
GOOG Alphabet Inc. Class C 0.02% 1,531 $233K Reduce -2.0%
IGIB iShares 5-10Y Inv Grade Corp. 0.02% 4,065 $210K Reduce -17.4%
SCHV Schwab US Large-Cap Value 0.02% 2,759 $210K New
EFV iShares MSCI Eafe Value ETF 0.02% 3,785 $206K New

Portfolio Sells Q4 2023 → Q1 2024
IGSB iShares 1-5Y Inv Grade Corp. Reduce -3.1% 2.16% −0.24
VGSH Vanguard Short-Term Treasury Reduce -57.7% 0.10% −0.16
TIP iShares Tips Bond ETF Reduce -1.7% 1.30% −0.12
SUB iShares Short-Term National Reduce -10.6% 0.49% −0.10
ISTB iShares Core 1-5 Year Usd Bo Reduce -15.5% 0.35% −0.10
VOOV Vanguard S&P 500 Value ETF Reduce -6.8% 1.29% −0.09
IVOV Vanguard S&P Mid-Cap 400 Val Reduce -5.7% 1.00% −0.09
VNQ Vanguard Real Estate ETF Reduce -24.7% 0.18% −0.08
IJJ iShares S&P Mid-Cap 400 Valu Reduce -2.6% 1.29% −0.08
DFAT Dimensional US Target Value Reduce -3.4% 0.69% −0.05
IJS iShares S&P Small-Cap 600 Va Reduce -1.0% 0.40% −0.04
STPZ PIMCO 1-5 Year US Tips Index Reduce -1.2% 0.43% −0.03
IVE iShares S&P 500 Value ETF Reduce -1.6% 1.96% −0.03
IEMG iShares Core MSCI Emerging Reduce -0.8% 0.44% −0.03
SCHA Schwab US Small-Cap ETF Reduce -0.3% 0.76% −0.03
AVDE Avantis International Equity Reduce -1.0% 0.80% −0.02
VWO Vanguard Ftse Emerging Marke Reduce -0.3% 0.26% −0.02
VOE Vngrd Mrngstr MD-Cap Val ETF Reduce -1.2% 1.09% −0.01
IUSV iShares Core S&P U.S. Value Reduce -0.7% 1.03% −0.01
SCHH Schwab US REIT ETF Reduce -4.7% 0.04% −0.01
IGIB iShares 5-10Y Inv Grade Corp. Reduce -17.4% 0.02% −0.01
VBR Vngrd Mrngst SL-CP Val ETF-U Reduce -0.2% 0.43% −0.00
IWN iShares Russell 2000 Value E Reduce -0.2% 0.06% −0.00
VT Vanguard Tot World STK ETF Reduce -4.6% 0.04% −0.00
IWD iShares Russell 1000 Value E Reduce -3.7% 0.06% −0.00
DFIV Dimensional International Va Reduce -1.0% 0.09% −0.00
VO Vngrd Mrngstr MD-Cap ETF-Usd Reduce -0.8% 0.10% −0.00
EFA iShares MSCI Eafe ETF Reduce -0.3% 0.02% −0.00
GOOG Alphabet Inc. Class C Reduce -2.0% 0.02% −0.00
GOOGL Alphabet Inc. Class A Reduce -0.9% 0.02% −0.00
VTI VG Morningstar TS MKT ETF-US Reduce -1.5% 0.08% +0.00
SCHM Schwab US Mid Cap ETF Reduce -0.6% 1.44% +0.00
IVV iShares Core S&P 500 ETF Reduce -2.4% 1.23% +0.00
JPM JPMorgan Chase & Co. Reduce -1.4% 0.03% +0.00
LLY Eli Lilly & Co. Reduce -3.4% 0.03% +0.00
VTV Vanguard Mrngstr Val ETF-Aui Reduce -0.5% 0.76% +0.01
QUAL iShares MSCI USA Quality Fac Reduce -3.1% 0.99% +0.01
DFUV Dimensional US Marketwide Va Reduce -0.4% 0.51% +0.01
SCHX Schwab US Large-Cap ETF Reduce -1.3% 1.15% +0.01
MDY State Street SPDR S&P Midcap Reduce -0.2% 0.95% +0.02
SPY SS SPDR S&P 500 ETF Trust-US Reduce -0.5% 3.58% +0.07
VOO Vanguard S&P 500 ETF Reduce -0.5% 10.64% +0.20

Portfolio Buys Q4 2023 → Q1 2024
MBB iShares MBS ETF Add +134.5% 2.45% +1.31
VTEB Vanguard Tax-Exempt Bond ETF Add +13.1% 5.25% +0.22
DFAC Dimensional US Core Equity 2 Add +9.0% 2.10% +0.21
DUHP Dimensional US High Profi Et Add +17.9% 1.14% +0.20
IJH iShares Core S&P Midcap ETF Add +0.4% 7.57% +0.18
DFIC Dimensional International Co. Add +14.1% 1.28% +0.13
DFEM Dimensional Emrg MRKT Core Add +19.4% 0.36% +0.04
STIP iShares 0-5 Year Tips Bond E Add +25.7% 0.28% +0.04
NVDA Nvidia Corp. Add +11.2% 0.06% +0.03
SCHV Schwab US Large-Cap Value New 0.02% +0.02
EFV iShares MSCI Eafe Value ETF New 0.02% +0.02
MSFT Microsoft Corp. Add +6.3% 0.11% +0.01
SPYV SS SPDR P S&P 500 Value ETF Add +0.1% 9.67% +0.01
BSV Vanguard Short-Term Bond ETF Add +8.6% 1.51% +0.01
META Meta Platforms Inc. Class A Add +3.8% 0.04% +0.01
AMZN Amazon.com Inc. Add +1.9% 0.05% +0.01
AVGO Broadcom Inc. Add +1.7% 0.03% +0.00
AVUV Avantis US Small Cap Value Add +1.9% 0.51% −0.01
VTIP Vanguard Short-Term Tips Add +4.5% 0.46% −0.01
AAPL Apple Inc. Add +1.9% 0.09% −0.02
MDYV SS SPDR S&P 400 MC Val ETF Add +3.1% 4.42% −0.03
DFAS Dimensional US Small Cap ETF Add +0.2% 1.25% −0.03
SLYV SS SPDR S&P 600 SC Val ETF Add +1.1% 1.24% −0.08
IJR iShares Core S&P Small-Cap E Add +0.5% 1.81% −0.08
AGG iShares Core U.S. Aggregate Add +0.7% 1.80% −0.14
MUB iShares National Muni Bond E Add +2.1% 2.60% −0.15
VCSH Vanguard S/T Corp. Bond ETF Add +2.0% 4.07% −0.22
SCHP Schwab U.S. Tips ETF Add +0.4% 3.77% −0.27
BND Vanguard Total Bond Market Add +2.4% 6.46% −0.40

All Filings

QuarterPositions13F Reported ValueTop Holdings
Q2 2026 112$1.6BVOO, SPYV, IJH, BND, VTEB
Q1 2026 100$1.5BVOO, SPYV, IJH, BND, VTEB
Q4 2025 102$1.5BVOO, SPYV, IJH, BND, VTEB
Q3 2025 96$1.4BVOO, SPYV, IJH, BND, VTEB
Q2 2025 97$1.3BVOO, SPYV, IJH, BND, VTEB
Q1 2025 95$1.2BVOO, SPYV, IJH, BND, VTEB
Q4 2024 92$1.2BVOO, SPYV, IJH, BND, VTEB
Q3 2024 87$1.2BVOO, SPYV, IJH, BND, VTEB
Q2 2024 87$1.1BVOO, SPYV, IJH, BND, VTEB
Q1 2024 86$1.1BVOO, SPYV, IJH, BND, VTEB