Lutz Financial Services LLC

In its 13F for Q3 2024 (holdings as of September 30, 2024, filed October 30, 2024), Lutz Financial Services LLC reported 87 stock positions worth $1.2 billion. Its top holding was Vanguard S&P 500 ETF (VOO) at 10.7% of the portfolio, followed by SS SPDR P S&P 500 Value ETF (SPYV, 9.5%) and iShares Core S&P Midcap ETF (IJH, 7.3%). Compared with Q2 2024, it opened 1 new position, sold out of 1, added to 30 and reduced 40. The biggest buy was iShares MBS ETF (MBB, shares +11%) and the biggest sale Vanguard S&P 500 ETF (VOO, shares −0%).

Most Recent 13F
Q2 2026
Location
OMAHA, NE
CIK
0001737112
Portfolio Value
$1.2B (Q3 2024)
SEC Filing
0001737112-24-000007 ↗ filed Oct 30, 2024

Holdings Value

0$500.0M$1.0B$1.5B$2.0B Q1 2024: $1.1B Q1 2024 Q2 2024: $1.1B Q2 2024 Q3 2024: $1.2B $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 · $1.2B
VOO Vanguard S&P 500 ETF 10.71% 250,020 $131.9M Reduce -0.1%
SPYV SS SPDR P S&P 500 Value ETF 9.49% 2,211,228 $116.9M Add +0.2%
IJH iShares Core S&P Midcap ETF 7.32% 1,447,761 $90.2M Add +0.9%
BND Vanguard Total Bond Market 6.59% 1,081,417 $81.2M Add +4.2%
VTEB Vanguard Tax-Exempt Bond ETF 5.56% 1,340,105 $68.5M Add +4.5%
MDYV SS SPDR S&P 400 MC Val ETF 4.46% 690,992 $54.9M Add +2.2%
VCSH Vanguard S/T Corp. Bond ETF 4.12% 639,765 $50.8M Add +4.5%
SCHP Schwab U.S. Tips ETF 3.86% 886,979 $47.6M Add +3.9%
SPY SS SPDR S&P 500 ETF Trust-US 3.58% 76,965 $44.2M Reduce -0.9%
MBB iShares MBS ETF 3.21% 412,704 $39.5M Add +10.9%
MUB iShares National Muni Bond E 2.65% 300,700 $32.7M Add +4.0%
DFAC Dimensional US Core Equity 2 2.15% 771,353 $26.4M Add +0.6%
IGSB iShares 1-5Y Inv Grade Corp. 2.03% 475,821 $25.1M Reduce -1.1%
IVE iShares S&P 500 Value ETF 1.90% 118,424 $23.3M Reduce -0.7%
IJR iShares Core S&P Small-Cap E 1.80% 190,103 $22.2M Add +1.8%
AGG iShares Core U.S. Aggregate 1.73% 210,695 $21.3M Add +1.1%
BSV Vanguard Short-Term Bond ETF 1.57% 245,715 $19.3M Add +0.9%
DFIC Dimensional International Co. 1.35% 593,052 $16.7M Add +3.5%
DUHP Dimensional US High Profi Et 1.27% 460,722 $15.7M Add +3.1%
SCHM Schwab US Mid Cap ETF 1.27% 187,813 $15.6M Reduce -1.1%
IJJ iShares S&P Mid-Cap 400 Valu 1.23% 122,867 $15.2M Reduce -0.6%
VOOV Vanguard S&P 500 Value ETF 1.21% 78,031 $14.9M Reduce -0.4%
DFAS Dimensional US Small Cap ETF 1.20% 228,771 $14.8M Add +0.3%
TIP iShares Tips Bond ETF 1.18% 131,677 $14.5M Reduce -0.6%
SLYV SS SPDR S&P 600 SC Val ETF 1.18% 167,030 $14.5M Reduce -1.0%
IVV iShares Core S&P 500 ETF 1.16% 24,762 $14.3M Reduce -3.2%
SCHX Schwab US Large-Cap ETF 1.08% 196,519 $13.3M Reduce -4.3%
VOE Vngrd Mrngstr MD-Cap Val ETF 1.00% 73,353 $12.3M Reduce -0.7%
QUAL iShares MSCI USA Quality Fac 0.98% 67,646 $12.1M Reduce -1.2%
IVOV Vanguard S&P Mid-Cap 400 Val 0.95% 122,795 $11.8M Reduce -1.8%
MDY State Street SPDR S&P Midcap 0.90% 19,518 $11.1M Reduce -0.3%
IUSV iShares Core S&P U.S. Value 0.89% 114,272 $10.9M Reduce -3.9%
AVDE Avantis International Equity 0.79% 144,443 $9.7M Add +0.7%
VTV Vanguard Mrngstr Val ETF-Aui 0.76% 53,981 $9.4M Reduce -0.6%
SCHA Schwab US Small-Cap ETF 0.68% 163,234 $8.4M Reduce -0.9%
DFAT Dimensional US Target Value 0.66% 145,890 $8.1M Reduce -0.2%
AVUV Avantis US Small Cap Value 0.51% 65,503 $6.3M Add +3.7%
DFUV Dimensional US Marketwide Va 0.47% 137,477 $5.7M Reduce -0.2%
SUB iShares Short-Term National 0.46% 53,715 $5.7M Reduce -0.3%
STIP iShares 0-5 Year Tips Bond E 0.44% 54,087 $5.5M Add +29.2%
VTIP Vanguard Short-Term Tips 0.42% 104,827 $5.2M Reduce -2.1%
DFEM Dimensional Emrg MRKT Core 0.41% 180,512 $5.1M Add +5.0%
VBR Vngrd Mrngst SL-CP Val ETF-U 0.40% 24,758 $5.0M Reduce -0.4%
IEMG iShares Core MSCI Emerging 0.40% 85,730 $4.9M Reduce -1.9%
STPZ PIMCO 1-5 Year US Tips Index 0.40% 92,961 $4.9M Reduce -3.4%
IJS iShares S&P Small-Cap 600 Va 0.39% 44,142 $4.8M Reduce -0.5%
IWV iShares Russell 3000 ETF 0.38% 14,150 $4.6M No change
ISTB iShares Core 1-5 Year Usd Bo 0.36% 90,492 $4.4M Add +9.8%
VWO Vanguard Ftse Emerging Marke 0.28% 72,413 $3.5M Reduce -0.3%
VNQ Vanguard Real Estate ETF 0.17% 21,405 $2.1M Reduce -4.1%
BRK.B Berkshire Hathaway Inc. Class B 0.14% 3,828 $1.8M Reduce -6.1%
AAPL Apple Inc. 0.12% 6,386 $1.5M Add +5.7%
MSFT Microsoft Corp. 0.11% 3,119 $1.3M Add +1.0%
NVDA Nvidia Corp. 0.11% 10,697 $1.3M Add +12.5%
FNDF Schwab Fndmn Intl LRG Co. ETF 0.10% 33,753 $1.3M No change
VEA Vanguard Ftse Developed ETF 0.10% 23,211 $1.2M Add +12.9%
VO Vngrd Mrngstr MD-Cap ETF-Usd 0.09% 4,411 $1.2M Reduce -0.6%
DFIV Dimensional International Va 0.09% 28,472 $1.1M Reduce -0.1%
VMBS Vanguard Mortgage-Backed Sec 0.09% 22,817 $1.1M No change
VTI VG Morningstar TS MKT ETF-US 0.08% 3,664 $1.0M Add +5.5%
VV Vngrd Mrgstr LRG-Cap ETF-Usd 0.08% 3,791 $998K No change
VB Vanguard Most SM-Cap ETF-Usd 0.07% 3,592 $852K Reduce -0.7%
IWM iShares Russell 2000 ETF 0.06% 3,613 $798K No change
VIG Vanguard Dividend Apprec ETF 0.06% 3,760 $745K No change
SCHG Schwab US Large-Cap Growth 0.06% 7,019 $731K No change
IWD iShares Russell 1000 Value E 0.06% 3,685 $699K No change
AMZN Amazon.com Inc. 0.05% 3,270 $609K Add +7.1%
IWN iShares Russell 2000 Value E 0.05% 3,529 $589K Reduce -0.3%
SPMD SS SPDR P S&P 400 Midcap ETF 0.04% 9,573 $523K No change
META Meta Platforms Inc. Class A 0.04% 806 $461K Reduce -2.3%
VT Vanguard Tot World STK ETF 0.04% 3,616 $433K Reduce -3.2%
VGSH Vanguard Short-Term Treasury 0.03% 6,794 $401K Reduce -38.2%
GOOGL Alphabet Inc. Class A 0.03% 2,220 $368K Add +10.4%
IWR iShares Russell Mid-Cap ETF 0.03% 4,068 $359K No change
VCIT Vanguard Int-Term Corporate 0.03% 4,192 $351K No change
JPM JPMorgan Chase & Co. 0.03% 1,585 $334K Add +1.7%
DLN Wisdomtree US Largecap Divid 0.03% 4,046 $318K No change
QEMM State Street SPDR MSCI Emerg 0.03% 5,027 $316K Reduce -0.1%
GOOG Alphabet Inc. Class C 0.03% 1,878 $314K Add +9.8%
EFA iShares MSCI Eafe ETF 0.02% 3,356 $281K No change
LLY Eli Lilly & Co. 0.02% 315 $279K Reduce -14.4%
ILCB iShares Morningstar U.S. Equ 0.02% 3,356 $266K No change
AVGO Broadcom Inc. 0.02% 1,354 $234K Reduce -3.3%
SCHV Schwab US Large-Cap Value 0.02% 2,759 $222K No change
EFV iShares MSCI Eafe Value ETF 0.02% 3,785 $218K No change
WMT Walmart Inc. 0.02% 2,687 $217K New
IGIB iShares 5-10Y Inv Grade Corp. 0.02% 4,007 $215K Reduce -1.4%

Portfolio Sells Q2 2024 → Q3 2024
VOO Vanguard S&P 500 ETF Reduce -0.1% 10.71% −0.20
IGSB iShares 1-5Y Inv Grade Corp. Reduce -1.1% 2.03% −0.11
SPY SS SPDR S&P 500 ETF Trust-US Reduce -0.9% 3.58% −0.10
SCHX Schwab US Large-Cap ETF Reduce -4.3% 1.08% −0.07
IVV iShares Core S&P 500 ETF Reduce -3.2% 1.16% −0.06
TIP iShares Tips Bond ETF Reduce -0.6% 1.18% −0.05
QUAL iShares MSCI USA Quality Fac Reduce -1.2% 0.98% −0.03
STPZ PIMCO 1-5 Year US Tips Index Reduce -3.4% 0.40% −0.03
VTIP Vanguard Short-Term Tips Reduce -2.1% 0.42% −0.03
SUB iShares Short-Term National Reduce -0.3% 0.46% −0.03
IUSV iShares Core S&P U.S. Value Reduce -3.9% 0.89% −0.03
SCHH Schwab US REIT ETF Sold out 0.00% −0.03
VGSH Vanguard Short-Term Treasury Reduce -38.2% 0.03% −0.02
SCHM Schwab US Mid Cap ETF Reduce -1.1% 1.27% −0.02
MDY State Street SPDR S&P Midcap Reduce -0.3% 0.90% −0.01
IEMG iShares Core MSCI Emerging Reduce -1.9% 0.40% −0.01
LLY Eli Lilly & Co. Reduce -14.4% 0.02% −0.01
DFUV Dimensional US Marketwide Va Reduce -0.2% 0.47% −0.01
DFAT Dimensional US Target Value Reduce -0.2% 0.66% −0.00
BRK.B Berkshire Hathaway Inc. Class B Reduce -6.1% 0.14% −0.00
VT Vanguard Tot World STK ETF Reduce -3.2% 0.04% −0.00
DFIV Dimensional International Va Reduce -0.1% 0.09% −0.00
IGIB iShares 5-10Y Inv Grade Corp. Reduce -1.4% 0.02% −0.00
AVGO Broadcom Inc. Reduce -3.3% 0.02% −0.00
IVOV Vanguard S&P Mid-Cap 400 Val Reduce -1.8% 0.95% −0.00
QEMM State Street SPDR MSCI Emerg Reduce -0.1% 0.03% 0.00
VB Vanguard Most SM-Cap ETF-Usd Reduce -0.7% 0.07% +0.00
IWN iShares Russell 2000 Value E Reduce -0.3% 0.05% +0.00
VO Vngrd Mrngstr MD-Cap ETF-Usd Reduce -0.6% 0.09% +0.00
META Meta Platforms Inc. Class A Reduce -2.3% 0.04% +0.00
SCHA Schwab US Small-Cap ETF Reduce -0.9% 0.68% +0.00
IVE iShares S&P 500 Value ETF Reduce -0.7% 1.90% +0.00
VWO Vanguard Ftse Emerging Marke Reduce -0.3% 0.28% +0.00
VTV Vanguard Mrngstr Val ETF-Aui Reduce -0.6% 0.76% +0.01
VNQ Vanguard Real Estate ETF Reduce -4.1% 0.17% +0.01
VOOV Vanguard S&P 500 Value ETF Reduce -0.4% 1.21% +0.01
VBR Vngrd Mrngst SL-CP Val ETF-U Reduce -0.4% 0.40% +0.01
IJS iShares S&P Small-Cap 600 Va Reduce -0.5% 0.39% +0.01
IJJ iShares S&P Mid-Cap 400 Valu Reduce -0.6% 1.23% +0.01
SLYV SS SPDR S&P 600 SC Val ETF Reduce -1.0% 1.18% +0.03
VOE Vngrd Mrngstr MD-Cap Val ETF Reduce -0.7% 1.00% +0.03

Portfolio Buys Q2 2024 → Q3 2024
MBB iShares MBS ETF Add +10.9% 3.21% +0.23
MDYV SS SPDR S&P 400 MC Val ETF Add +2.2% 4.46% +0.16
SPYV SS SPDR P S&P 500 Value ETF Add +0.2% 9.49% +0.12
STIP iShares 0-5 Year Tips Bond E Add +29.2% 0.44% +0.08
BND Vanguard Total Bond Market Add +4.2% 6.59% +0.08
IJR iShares Core S&P Small-Cap E Add +1.8% 1.80% +0.07
DFIC Dimensional International Co. Add +3.5% 1.35% +0.04
DUHP Dimensional US High Profi Et Add +3.1% 1.27% +0.03
WMT Walmart Inc. New 0.02% +0.02
ISTB iShares Core 1-5 Year Usd Bo Add +9.8% 0.36% +0.02
AVUV Avantis US Small Cap Value Add +3.7% 0.51% +0.02
DFEM Dimensional Emrg MRKT Core Add +5.0% 0.41% +0.01
DFAS Dimensional US Small Cap ETF Add +0.3% 1.20% +0.01
VEA Vanguard Ftse Developed ETF Add +12.9% 0.10% +0.01
AAPL Apple Inc. Add +5.7% 0.12% +0.01
AVDE Avantis International Equity Add +0.7% 0.79% +0.01
IJH iShares Core S&P Midcap ETF Add +0.9% 7.32% +0.01
VCSH Vanguard S/T Corp. Bond ETF Add +4.5% 4.12% +0.00
VTI VG Morningstar TS MKT ETF-US Add +5.5% 0.08% +0.00
NVDA Nvidia Corp. Add +12.5% 0.11% +0.00
JPM JPMorgan Chase & Co. Add +1.7% 0.03% −0.00
GOOG Alphabet Inc. Class C Add +9.8% 0.03% −0.00
AMZN Amazon.com Inc. Add +7.1% 0.05% −0.00
GOOGL Alphabet Inc. Class A Add +10.4% 0.03% −0.00
SCHP Schwab U.S. Tips ETF Add +3.9% 3.86% −0.01
DFAC Dimensional US Core Equity 2 Add +0.6% 2.15% −0.01
MSFT Microsoft Corp. Add +1.0% 0.11% −0.01
AGG iShares Core U.S. Aggregate Add +1.1% 1.73% −0.03
MUB iShares National Muni Bond E Add +4.0% 2.65% −0.03
VTEB Vanguard Tax-Exempt Bond ETF Add +4.5% 5.56% −0.04
BSV Vanguard Short-Term Bond ETF Add +0.9% 1.57% −0.06

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