Lutz Financial Services LLC

In its 13F for Q2 2024 (holdings as of June 30, 2024, filed July 29, 2024), Lutz Financial Services LLC reported 87 stock positions worth $1.1 billion. Its top holding was Vanguard S&P 500 ETF (VOO) at 10.9% of the portfolio, followed by SS SPDR P S&P 500 Value ETF (SPYV, 9.4%) and iShares Core S&P Midcap ETF (IJH, 7.3%). Compared with Q1 2024, it opened 1 new position, added to 25 and reduced 41. The biggest buy was iShares MBS ETF (MBB, shares +23%) and the biggest sale SS SPDR P S&P 500 Value ETF (SPYV, shares −0%).

Most Recent 13F
Q2 2026
Location
OMAHA, NE
CIK
0001737112
Portfolio Value
$1.1B (Q2 2024)
SEC Filing
0001737112-24-000006 ↗ filed Jul 29, 2024

Holdings Value

0$500.0M$1.0B$1.5B$2.0B Q1 2024: $1.1B Q1 2024 Q2 2024: $1.1B $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 87 stocks · $1.1B
VOO Vanguard S&P 500 ETF 10.90% 250,239 $125.2M Reduce -1.3%
SPYV SS SPDR P S&P 500 Value ETF 9.37% 2,206,806 $107.6M Reduce -0.1%
IJH iShares Core S&P Midcap ETF 7.32% 1,435,060 $84.0M Add +0.6%
BND Vanguard Total Bond Market 6.51% 1,037,410 $74.7M Add +1.8%
VTEB Vanguard Tax-Exempt Bond ETF 5.60% 1,282,559 $64.3M Add +7.9%
MDYV SS SPDR S&P 400 MC Val ETF 4.30% 676,075 $49.3M Add +1.6%
VCSH Vanguard S/T Corp. Bond ETF 4.12% 612,069 $47.3M Add +1.6%
SCHP Schwab U.S. Tips ETF 3.87% 853,726 $44.4M Add +3.0%
SPY SS SPDR S&P 500 ETF Trust-US 3.68% 77,701 $42.3M Reduce -0.9%
MBB iShares MBS ETF 2.98% 371,967 $34.2M Add +22.6%
MUB iShares National Muni Bond E 2.68% 289,045 $30.8M Add +4.5%
DFAC Dimensional US Core Equity 2 2.15% 767,118 $24.7M Add +2.1%
IGSB iShares 1-5Y Inv Grade Corp. 2.15% 480,855 $24.6M Reduce -0.4%
IVE iShares S&P 500 Value ETF 1.89% 119,308 $21.7M Reduce -0.8%
AGG iShares Core U.S. Aggregate 1.76% 208,495 $20.2M Reduce -0.8%
IJR iShares Core S&P Small-Cap E 1.73% 186,675 $19.9M Reduce -0.2%
BSV Vanguard Short-Term Bond ETF 1.63% 243,602 $18.7M Add +7.9%
DFIC Dimensional International Co. 1.31% 572,762 $15.1M Add +4.4%
SCHM Schwab US Mid Cap ETF 1.29% 189,836 $14.8M Reduce -6.1%
DUHP Dimensional US High Profi Et 1.24% 446,705 $14.3M Add +8.2%
TIP iShares Tips Bond ETF 1.23% 132,446 $14.1M Reduce -4.7%
IJJ iShares S&P Mid-Cap 400 Valu 1.22% 123,657 $14.0M Reduce -0.6%
IVV iShares Core S&P 500 ETF 1.22% 25,580 $14.0M Reduce -4.6%
VOOV Vanguard S&P 500 Value ETF 1.20% 78,367 $13.8M Reduce -4.4%
DFAS Dimensional US Small Cap ETF 1.19% 227,994 $13.7M Reduce -0.3%
SLYV SS SPDR S&P 600 SC Val ETF 1.15% 168,790 $13.2M Reduce -1.6%
SCHX Schwab US Large-Cap ETF 1.15% 205,267 $13.2M Reduce -3.3%
QUAL iShares MSCI USA Quality Fac 1.02% 68,486 $11.7M Reduce -1.0%
VOE Vngrd Mrngstr MD-Cap Val ETF 0.97% 73,850 $11.1M Reduce -7.6%
IVOV Vanguard S&P Mid-Cap 400 Val 0.95% 125,074 $11.0M Reduce -1.0%
IUSV iShares Core S&P U.S. Value 0.91% 118,857 $10.5M Reduce -8.8%
MDY State Street SPDR S&P Midcap 0.91% 19,572 $10.5M Reduce -0.1%
AVDE Avantis International Equity 0.78% 143,425 $8.9M Reduce -0.5%
VTV Vanguard Mrngstr Val ETF-Aui 0.76% 54,308 $8.7M Add +1.6%
SCHA Schwab US Small-Cap ETF 0.68% 164,766 $7.8M Reduce -6.5%
DFAT Dimensional US Target Value 0.66% 146,208 $7.6M Add +0.1%
AVUV Avantis US Small Cap Value 0.49% 63,171 $5.7M Add +1.4%
SUB iShares Short-Term National 0.49% 53,860 $5.6M Add +1.1%
DFUV Dimensional US Marketwide Va 0.47% 137,789 $5.4M Reduce -3.7%
VTIP Vanguard Short-Term Tips 0.45% 107,095 $5.2M Reduce -2.5%
STPZ PIMCO 1-5 Year US Tips Index 0.43% 96,187 $5.0M Add +0.2%
IEMG iShares Core MSCI Emerging 0.41% 87,386 $4.7M Reduce -9.5%
DFEM Dimensional Emrg MRKT Core 0.40% 171,921 $4.6M Add +4.9%
VBR Vngrd Mrngst SL-CP Val ETF-U 0.40% 24,851 $4.5M Reduce -3.5%
IWV iShares Russell 3000 ETF 0.38% 14,150 $4.4M Reduce -7.2%
IJS iShares S&P Small-Cap 600 Va 0.38% 44,365 $4.3M Reduce -1.3%
STIP iShares 0-5 Year Tips Bond E 0.36% 41,877 $4.2M Add +31.9%
ISTB iShares Core 1-5 Year Usd Bo 0.34% 82,413 $3.9M Reduce -1.4%
VWO Vanguard Ftse Emerging Marke 0.28% 72,617 $3.2M Add +0.1%
VNQ Vanguard Real Estate ETF 0.16% 22,318 $1.9M Reduce -6.2%
BRK.B Berkshire Hathaway Inc. Class B 0.14% 4,078 $1.7M Reduce -11.1%
MSFT Microsoft Corp. 0.12% 3,088 $1.4M Reduce -0.3%
AAPL Apple Inc. 0.11% 6,041 $1.3M Add +2.4%
FNDF Schwab Fndmn Intl LRG Co. ETF 0.10% 33,753 $1.2M Reduce -2.9%
NVDA Nvidia Corp. 0.10% 9,506 $1.2M Add +33.3%
VO Vngrd Mrngstr MD-Cap ETF-Usd 0.09% 4,436 $1.1M Reduce -0.6%
VMBS Vanguard Mortgage-Backed Sec 0.09% 22,817 $1.0M New
DFIV Dimensional International Va 0.09% 28,514 $1.0M No change
VEA Vanguard Ftse Developed ETF 0.09% 20,558 $1.0M No change
VV Vngrd Mrgstr LRG-Cap ETF-Usd 0.08% 3,791 $946K No change
VTI VG Morningstar TS MKT ETF-US 0.08% 3,474 $929K No change
VB Vanguard Most SM-Cap ETF-Usd 0.07% 3,616 $788K No change
IWM iShares Russell 2000 ETF 0.06% 3,613 $733K No change
SCHG Schwab US Large-Cap Growth 0.06% 7,019 $708K No change
VIG Vanguard Dividend Apprec ETF 0.06% 3,760 $686K No change
IWD iShares Russell 1000 Value E 0.06% 3,685 $643K No change
VGSH Vanguard Short-Term Treasury 0.06% 10,991 $637K Reduce -45.4%
AMZN Amazon.com Inc. 0.05% 3,053 $590K No change
IWN iShares Russell 2000 Value E 0.05% 3,541 $539K Reduce -21.1%
SPMD SS SPDR P S&P 400 Midcap ETF 0.04% 9,573 $491K No change
VT Vanguard Tot World STK ETF 0.04% 3,734 $421K Reduce -2.4%
META Meta Platforms Inc. Class A 0.04% 825 $416K Reduce -3.6%
GOOGL Alphabet Inc. Class A 0.03% 2,011 $366K Add +16.4%
VCIT Vanguard Int-Term Corporate 0.03% 4,192 $335K Add +2.9%
LLY Eli Lilly & Co. 0.03% 368 $333K No change
IWR iShares Russell Mid-Cap ETF 0.03% 4,068 $330K No change
JPM JPMorgan Chase & Co. 0.03% 1,558 $315K No change
GOOG Alphabet Inc. Class C 0.03% 1,711 $314K Add +11.8%
SCHH Schwab US REIT ETF 0.03% 14,776 $295K Reduce -31.9%
DLN Wisdomtree US Largecap Divid 0.03% 4,046 $294K No change
QEMM State Street SPDR MSCI Emerg 0.03% 5,032 $294K Reduce -1.7%
EFA iShares MSCI Eafe ETF 0.02% 3,356 $263K No change
ILCB iShares Morningstar U.S. Equ 0.02% 3,356 $252K No change
AVGO Broadcom Inc. 0.02% 140 $225K Reduce -40.4%
IGIB iShares 5-10Y Inv Grade Corp. 0.02% 4,065 $208K No change
SCHV Schwab US Large-Cap Value 0.02% 2,759 $204K No change
EFV iShares MSCI Eafe Value ETF 0.02% 3,785 $201K No change

Portfolio Sells Q1 2024 → Q2 2024
SPYV SS SPDR P S&P 500 Value ETF Reduce -0.1% 9.37% −0.30
SCHM Schwab US Mid Cap ETF Reduce -6.1% 1.29% −0.15
VOE Vngrd Mrngstr MD-Cap Val ETF Reduce -7.6% 0.97% −0.12
IUSV iShares Core S&P U.S. Value Reduce -8.8% 0.91% −0.12
VOOV Vanguard S&P 500 Value ETF Reduce -4.4% 1.20% −0.09
SLYV SS SPDR S&P 600 SC Val ETF Reduce -1.6% 1.15% −0.09
SCHA Schwab US Small-Cap ETF Reduce -6.5% 0.68% −0.08
TIP iShares Tips Bond ETF Reduce -4.7% 1.23% −0.07
IJR iShares Core S&P Small-Cap E Reduce -0.2% 1.73% −0.07
IVE iShares S&P 500 Value ETF Reduce -0.8% 1.89% −0.07
IJJ iShares S&P Mid-Cap 400 Valu Reduce -0.6% 1.22% −0.06
DFAS Dimensional US Small Cap ETF Reduce -0.3% 1.19% −0.05
IVOV Vanguard S&P Mid-Cap 400 Val Reduce -1.0% 0.95% −0.05
VGSH Vanguard Short-Term Treasury Reduce -45.4% 0.06% −0.05
MDY State Street SPDR S&P Midcap Reduce -0.1% 0.91% −0.04
DFUV Dimensional US Marketwide Va Reduce -3.7% 0.47% −0.04
VBR Vngrd Mrngst SL-CP Val ETF-U Reduce -3.5% 0.40% −0.04
AGG iShares Core U.S. Aggregate Reduce -0.8% 1.76% −0.03
IEMG iShares Core MSCI Emerging Reduce -9.5% 0.41% −0.03
IJS iShares S&P Small-Cap 600 Va Reduce -1.3% 0.38% −0.03
AVDE Avantis International Equity Reduce -0.5% 0.78% −0.02
BRK.B Berkshire Hathaway Inc. Class B Reduce -11.1% 0.14% −0.02
IWV iShares Russell 3000 ETF Reduce -7.2% 0.38% −0.02
VNQ Vanguard Real Estate ETF Reduce -6.2% 0.16% −0.02
IGSB iShares 1-5Y Inv Grade Corp. Reduce -0.4% 2.15% −0.02
IWN iShares Russell 2000 Value E Reduce -21.1% 0.05% −0.02
SCHH Schwab US REIT ETF Reduce -31.9% 0.03% −0.01
IVV iShares Core S&P 500 ETF Reduce -4.6% 1.22% −0.01
AVGO Broadcom Inc. Reduce -40.4% 0.02% −0.01
VTIP Vanguard Short-Term Tips Reduce -2.5% 0.45% −0.01
ISTB iShares Core 1-5 Year Usd Bo Reduce -1.4% 0.34% −0.01
FNDF Schwab Fndmn Intl LRG Co. ETF Reduce -2.9% 0.10% −0.01
VO Vngrd Mrngstr MD-Cap ETF-Usd Reduce -0.6% 0.09% −0.00
SCHX Schwab US Large-Cap ETF Reduce -3.3% 1.15% −0.00
VT Vanguard Tot World STK ETF Reduce -2.4% 0.04% −0.00
QEMM State Street SPDR MSCI Emerg Reduce -1.7% 0.03% −0.00
META Meta Platforms Inc. Class A Reduce -3.6% 0.04% −0.00
MSFT Microsoft Corp. Reduce -0.3% 0.12% +0.01
QUAL iShares MSCI USA Quality Fac Reduce -1.0% 1.02% +0.03
SPY SS SPDR S&P 500 ETF Trust-US Reduce -0.9% 3.68% +0.10
VOO Vanguard S&P 500 ETF Reduce -1.3% 10.90% +0.26

Portfolio Buys Q1 2024 → Q2 2024
MBB iShares MBS ETF Add +22.6% 2.98% +0.53
VTEB Vanguard Tax-Exempt Bond ETF Add +7.9% 5.60% +0.34
BSV Vanguard Short-Term Bond ETF Add +7.9% 1.63% +0.12
DUHP Dimensional US High Profi Et Add +8.2% 1.24% +0.10
SCHP Schwab U.S. Tips ETF Add +3.0% 3.87% +0.09
VMBS Vanguard Mortgage-Backed Sec New 0.09% +0.09
STIP iShares 0-5 Year Tips Bond E Add +31.9% 0.36% +0.09
MUB iShares National Muni Bond E Add +4.5% 2.68% +0.08
DFAC Dimensional US Core Equity 2 Add +2.1% 2.15% +0.06
VCSH Vanguard S/T Corp. Bond ETF Add +1.6% 4.12% +0.05
BND Vanguard Total Bond Market Add +1.8% 6.51% +0.05
NVDA Nvidia Corp. Add +33.3% 0.10% +0.05
DFEM Dimensional Emrg MRKT Core Add +4.9% 0.40% +0.04
DFIC Dimensional International Co. Add +4.4% 1.31% +0.03
AAPL Apple Inc. Add +2.4% 0.11% +0.02
VWO Vanguard Ftse Emerging Marke Add +0.1% 0.28% +0.01
GOOGL Alphabet Inc. Class A Add +16.4% 0.03% +0.01
GOOG Alphabet Inc. Class C Add +11.8% 0.03% +0.01
SUB iShares Short-Term National Add +1.1% 0.49% +0.00
STPZ PIMCO 1-5 Year US Tips Index Add +0.2% 0.43% +0.00
VCIT Vanguard Int-Term Corporate Add +2.9% 0.03% +0.00
VTV Vanguard Mrngstr Val ETF-Aui Add +1.6% 0.76% −0.00
AVUV Avantis US Small Cap Value Add +1.4% 0.49% −0.02
DFAT Dimensional US Target Value Add +0.1% 0.66% −0.03
MDYV SS SPDR S&P 400 MC Val ETF Add +1.6% 4.30% −0.12
IJH iShares Core S&P Midcap ETF Add +0.6% 7.32% −0.25

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