Lutz Financial Services LLC
In its 13F for Q4 2024 (holdings as of December 31, 2024, filed February 4, 2025), Lutz Financial Services LLC reported 92 stock positions worth $1.2 billion. Its top holding was Vanguard S&P 500 ETF (VOO) at 10.8% of the portfolio, followed by SS SPDR P S&P 500 Value ETF (SPYV, 9.1%) and iShares Core S&P Midcap ETF (IJH, 7.3%). Compared with Q3 2024, it opened 7 new positions, sold out of 2, added to 40 and reduced 34. The biggest buy was iShares MBS ETF (MBB, shares +10%) and the biggest sale iShares S&P 500 Value ETF (IVE, shares −0%).
- Most Recent 13F
- Q2 2026
- Location
- OMAHA, NE
- CIK
- 0001737112
- Portfolio Value
- $1.2B (Q4 2024)
- SEC Filing
- 0001737112-25-000002 ↗ filed Feb 4, 2025
Holdings Value
Holdings 92 stocks · $1.2B
| VOO Vanguard S&P 500 ETF | 10.79% | 247,736 | $133.5M | Reduce -0.9% |
| SPYV SS SPDR P S&P 500 Value ETF | 9.14% | 2,211,625 | $113.1M | Add +0.0% |
| IJH iShares Core S&P Midcap ETF | 7.28% | 1,445,080 | $90.0M | Reduce -0.2% |
| BND Vanguard Total Bond Market | 6.51% | 1,120,088 | $80.5M | Add +3.6% |
| VTEB Vanguard Tax-Exempt Bond ETF | 5.68% | 1,400,550 | $70.2M | Add +4.5% |
| MDYV SS SPDR S&P 400 MC Val ETF | 4.50% | 694,697 | $55.7M | Add +0.5% |
| VCSH Vanguard S/T Corp. Bond ETF | 4.25% | 673,979 | $52.6M | Add +5.3% |
| SCHP Schwab U.S. Tips ETF | 3.81% | 1,824,302 | $47.1M | Add +2.8% |
| SPY SS SPDR S&P 500 ETF Trust-US | 3.53% | 74,486 | $43.7M | Reduce -3.2% |
| MBB iShares MBS ETF | 3.37% | 455,033 | $41.7M | Add +10.3% |
| MUB iShares National Muni Bond E | 2.73% | 317,352 | $33.8M | Add +5.5% |
| DFAC Dimensional US Core Equity 2 | 2.16% | 773,330 | $26.7M | Add +0.3% |
| IGSB iShares 1-5Y Inv Grade Corp. | 2.01% | 481,871 | $24.9M | Add +1.3% |
| IVE iShares S&P 500 Value ETF | 1.82% | 118,224 | $22.6M | Reduce -0.2% |
| IJR iShares Core S&P Small-Cap E | 1.74% | 187,109 | $21.6M | Reduce -1.6% |
| AGG iShares Core U.S. Aggregate | 1.74% | 222,044 | $21.5M | Add +5.4% |
| BSV Vanguard Short-Term Bond ETF | 1.54% | 246,148 | $19.0M | Add +0.2% |
| DFIC Dimensional International Co. | 1.46% | 696,651 | $18.0M | Add +17.5% |
| DUHP Dimensional US High Profi Et | 1.29% | 472,643 | $16.0M | Add +2.6% |
| SCHM Schwab US Mid Cap ETF | 1.27% | 565,267 | $15.7M | Add +0.3% |
| IJJ iShares S&P Mid-Cap 400 Valu | 1.23% | 122,147 | $15.3M | Reduce -0.6% |
| DFAS Dimensional US Small Cap ETF | 1.21% | 229,625 | $14.9M | Add +0.4% |
| TIP iShares Tips Bond ETF | 1.20% | 139,613 | $14.9M | Add +6.0% |
| IVV iShares Core S&P 500 ETF | 1.18% | 24,813 | $14.6M | Add +0.2% |
| VOOV Vanguard S&P 500 Value ETF | 1.14% | 76,670 | $14.1M | Reduce -1.7% |
| SLYV SS SPDR S&P 600 SC Val ETF | 1.14% | 161,693 | $14.1M | Reduce -3.2% |
| SCHX Schwab US Large-Cap ETF | 1.07% | 569,034 | $13.2M | Reduce -3.5% |
| QUAL iShares MSCI USA Quality Fac | 0.97% | 67,304 | $12.0M | Reduce -0.5% |
| VOE Vngrd Mrngstr MD-Cap Val ETF | 0.96% | 73,153 | $11.8M | Reduce -0.3% |
| IVOV Vanguard S&P Mid-Cap 400 Val | 0.94% | 121,897 | $11.6M | Reduce -0.7% |
| MDY State Street SPDR S&P Midcap | 0.88% | 19,208 | $10.9M | Reduce -1.6% |
| IUSV iShares Core S&P U.S. Value | 0.85% | 113,319 | $10.5M | Reduce -0.8% |
| VTV Vanguard Mrngstr Val ETF-Aui | 0.75% | 54,745 | $9.3M | Add +1.4% |
| AVDE Avantis International Equity | 0.72% | 144,535 | $8.9M | Add +0.1% |
| SCHA Schwab US Small-Cap ETF | 0.69% | 328,270 | $8.5M | Add +0.6% |
| DFAT Dimensional US Target Value | 0.65% | 144,092 | $8.0M | Reduce -1.2% |
| AVUV Avantis US Small Cap Value | 0.59% | 75,703 | $7.3M | Add +15.6% |
| STIP iShares 0-5 Year Tips Bond E | 0.48% | 59,486 | $6.0M | Add +10.0% |
| DFUV Dimensional US Marketwide Va | 0.45% | 137,155 | $5.6M | Reduce -0.2% |
| SUB iShares Short-Term National | 0.43% | 50,997 | $5.4M | Reduce -5.1% |
| DFEM Dimensional Emrg MRKT Core | 0.42% | 197,014 | $5.2M | Add +9.1% |
| VTIP Vanguard Short-Term Tips | 0.41% | 105,335 | $5.1M | Add +0.5% |
| VBR Vngrd Mrngst SL-CP Val ETF-U | 0.39% | 24,612 | $4.9M | Reduce -0.6% |
| STPZ PIMCO 1-5 Year US Tips Index | 0.39% | 92,206 | $4.8M | Reduce -0.8% |
| IJS iShares S&P Small-Cap 600 Va | 0.39% | 44,036 | $4.8M | Reduce -0.2% |
| IWV iShares Russell 3000 ETF | 0.38% | 14,150 | $4.7M | No change |
| IEMG iShares Core MSCI Emerging | 0.38% | 89,037 | $4.6M | Add +3.9% |
| ISTB iShares Core 1-5 Year Usd Bo | 0.35% | 90,702 | $4.3M | Add +0.2% |
| VWO Vanguard Ftse Emerging Marke | 0.29% | 80,457 | $3.5M | Add +11.1% |
| BRK.B Berkshire Hathaway Inc. Class B | 0.16% | 4,410 | $2.0M | Add +15.2% |
| VNQ Vanguard Real Estate ETF | 0.15% | 20,891 | $1.9M | Reduce -2.4% |
| VMBS Vanguard Mortgage-Backed Sec | 0.13% | 36,322 | $1.6M | Add +59.2% |
| NVDA Nvidia Corp. | 0.13% | 11,542 | $1.5M | Add +7.9% |
| AAPL Apple Inc. | 0.12% | 6,151 | $1.5M | Reduce -3.7% |
| VEA Vanguard Ftse Developed ETF | 0.12% | 31,596 | $1.5M | Add +36.1% |
| VO Vngrd Mrngstr MD-Cap ETF-Usd | 0.11% | 4,973 | $1.3M | Add +12.7% |
| MSFT Microsoft Corp. | 0.10% | 3,044 | $1.3M | Reduce -2.4% |
| FNDF Schwab Fndmn Intl LRG Co. ETF | 0.09% | 33,753 | $1.1M | No change |
| VTI VG Morningstar TS MKT ETF-US | 0.08% | 3,535 | $1.0M | Reduce -3.5% |
| DFIV Dimensional International Va | 0.08% | 28,558 | $1.0M | Add +0.3% |
| VV Vngrd Mrgstr LRG-Cap ETF-Usd | 0.08% | 3,591 | $968K | Reduce -5.3% |
| SPMD SS SPDR P S&P 400 Midcap ETF | 0.07% | 16,769 | $917K | Add +75.2% |
| VB Vanguard Most SM-Cap ETF-Usd | 0.07% | 3,592 | $863K | No change |
| IWM iShares Russell 2000 ETF | 0.07% | 3,727 | $824K | Add +3.2% |
| SCHG Schwab US Large-Cap Growth | 0.06% | 28,076 | $782K | No change |
| VIG Vanguard Dividend Apprec ETF | 0.06% | 3,760 | $736K | No change |
| AMZN Amazon.com Inc. | 0.06% | 3,288 | $721K | Add +0.6% |
| IWD iShares Russell 1000 Value E | 0.06% | 3,685 | $682K | No change |
| DLN Wisdomtree US Largecap Divid | 0.05% | 7,456 | $580K | Add +84.3% |
| IWN iShares Russell 2000 Value E | 0.05% | 3,518 | $578K | Reduce -0.3% |
| GOOGL Alphabet Inc. Class A | 0.04% | 2,417 | $458K | Add +8.9% |
| META Meta Platforms Inc. Class A | 0.04% | 774 | $453K | Reduce -4.0% |
| VT Vanguard Tot World STK ETF | 0.03% | 3,448 | $405K | Reduce -4.7% |
| GOOG Alphabet Inc. Class C | 0.03% | 1,997 | $380K | Add +6.3% |
| JPM JPMorgan Chase & Co. | 0.03% | 1,571 | $377K | Reduce -0.9% |
| ONEY SS SPDR R1000 Yield Foc ETF | 0.03% | 3,342 | $364K | New |
| IWR iShares Russell Mid-Cap ETF | 0.03% | 4,068 | $360K | No change |
| VCIT Vanguard Int-Term Corporate | 0.03% | 4,084 | $328K | Reduce -2.6% |
| QEMM State Street SPDR MSCI Emerg | 0.02% | 5,015 | $286K | Reduce -0.2% |
| SCHF Schwab Intl Equity ETF | 0.02% | 14,938 | $276K | New |
| QQQ Invesco QQQ Trust Series 1 | 0.02% | 539 | $276K | New |
| ILCB iShares Morningstar U.S. Equ | 0.02% | 3,356 | $272K | No change |
| AVDV Avantis Intl S/C Value ETF | 0.02% | 4,174 | $272K | New |
| AVGO Broadcom Inc. | 0.02% | 1,126 | $261K | Reduce -16.8% |
| EFA iShares MSCI Eafe ETF | 0.02% | 3,356 | $254K | No change |
| LLY Eli Lilly & Co. | 0.02% | 314 | $242K | Reduce -0.3% |
| TSLA Tesla Inc. | 0.02% | 581 | $235K | New |
| WMT Walmart Inc. | 0.02% | 2,518 | $228K | Reduce -6.3% |
| V Visa Inc. Class A | 0.02% | 710 | $224K | New |
| SCHV Schwab US Large-Cap Value | 0.02% | 8,275 | $216K | No change |
| MA Mastercard Inc. Class A | 0.02% | 404 | $213K | New |
| IGIB iShares 5-10Y Inv Grade Corp. | 0.02% | 4,007 | $206K | No change |
Portfolio Sells Q3 2024 → Q4 2024
| IVE iShares S&P 500 Value ETF | Reduce -0.2% | 1.82% | −0.07 |
| VOOV Vanguard S&P 500 Value ETF | Reduce -1.7% | 1.14% | −0.06 |
| IJR iShares Core S&P Small-Cap E | Reduce -1.6% | 1.74% | −0.06 |
| SPY SS SPDR S&P 500 ETF Trust-US | Reduce -3.2% | 3.53% | −0.06 |
| IJH iShares Core S&P Midcap ETF | Reduce -0.2% | 7.28% | −0.04 |
| VOE Vngrd Mrngstr MD-Cap Val ETF | Reduce -0.3% | 0.96% | −0.04 |
| IUSV iShares Core S&P U.S. Value | Reduce -0.8% | 0.85% | −0.04 |
| SLYV SS SPDR S&P 600 SC Val ETF | Reduce -3.2% | 1.14% | −0.04 |
| VGSH Vanguard Short-Term Treasury | Sold out | 0.00% | −0.03 |
| SUB iShares Short-Term National | Reduce -5.1% | 0.43% | −0.03 |
| VNQ Vanguard Real Estate ETF | Reduce -2.4% | 0.15% | −0.02 |
| MDY State Street SPDR S&P Midcap | Reduce -1.6% | 0.88% | −0.02 |
| EFV iShares MSCI Eafe Value ETF | Sold out | 0.00% | −0.02 |
| SCHX Schwab US Large-Cap ETF | Reduce -3.5% | 1.07% | −0.02 |
| QUAL iShares MSCI USA Quality Fac | Reduce -0.5% | 0.97% | −0.02 |
| IVOV Vanguard S&P Mid-Cap 400 Val | Reduce -0.7% | 0.94% | −0.01 |
| DFUV Dimensional US Marketwide Va | Reduce -0.2% | 0.45% | −0.01 |
| DFAT Dimensional US Target Value | Reduce -1.2% | 0.65% | −0.01 |
| VBR Vngrd Mrngst SL-CP Val ETF-U | Reduce -0.6% | 0.39% | −0.01 |
| STPZ PIMCO 1-5 Year US Tips Index | Reduce -0.8% | 0.39% | −0.01 |
| MSFT Microsoft Corp. | Reduce -2.4% | 0.10% | −0.01 |
| LLY Eli Lilly & Co. | Reduce -0.3% | 0.02% | −0.00 |
| VV Vngrd Mrgstr LRG-Cap ETF-Usd | Reduce -5.3% | 0.08% | −0.00 |
| QEMM State Street SPDR MSCI Emerg | Reduce -0.2% | 0.02% | −0.00 |
| VT Vanguard Tot World STK ETF | Reduce -4.7% | 0.03% | −0.00 |
| VCIT Vanguard Int-Term Corporate | Reduce -2.6% | 0.03% | −0.00 |
| VTI VG Morningstar TS MKT ETF-US | Reduce -3.5% | 0.08% | −0.00 |
| IWN iShares Russell 2000 Value E | Reduce -0.3% | 0.05% | −0.00 |
| META Meta Platforms Inc. Class A | Reduce -4.0% | 0.04% | −0.00 |
| WMT Walmart Inc. | Reduce -6.3% | 0.02% | +0.00 |
| IJS iShares S&P Small-Cap 600 Va | Reduce -0.2% | 0.39% | +0.00 |
| IJJ iShares S&P Mid-Cap 400 Valu | Reduce -0.6% | 1.23% | +0.00 |
| AVGO Broadcom Inc. | Reduce -16.8% | 0.02% | +0.00 |
| JPM JPMorgan Chase & Co. | Reduce -0.9% | 0.03% | +0.00 |
| AAPL Apple Inc. | Reduce -3.7% | 0.12% | +0.00 |
| VOO Vanguard S&P 500 ETF | Reduce -0.9% | 10.79% | +0.08 |
Portfolio Buys Q3 2024 → Q4 2024
| MBB iShares MBS ETF | Add +10.3% | 3.37% | +0.16 |
| VCSH Vanguard S/T Corp. Bond ETF | Add +5.3% | 4.25% | +0.13 |
| VTEB Vanguard Tax-Exempt Bond ETF | Add +4.5% | 5.68% | +0.12 |
| DFIC Dimensional International Co. | Add +17.5% | 1.46% | +0.10 |
| MUB iShares National Muni Bond E | Add +5.5% | 2.73% | +0.08 |
| AVUV Avantis US Small Cap Value | Add +15.6% | 0.59% | +0.08 |
| MDYV SS SPDR S&P 400 MC Val ETF | Add +0.5% | 4.50% | +0.05 |
| VMBS Vanguard Mortgage-Backed Sec | Add +59.2% | 0.13% | +0.05 |
| STIP iShares 0-5 Year Tips Bond E | Add +10.0% | 0.48% | +0.04 |
| SPMD SS SPDR P S&P 400 Midcap ETF | Add +75.2% | 0.07% | +0.03 |
| ONEY SS SPDR R1000 Yield Foc ETF | New | 0.03% | +0.03 |
| VEA Vanguard Ftse Developed ETF | Add +36.1% | 0.12% | +0.02 |
| QQQ Invesco QQQ Trust Series 1 | New | 0.02% | +0.02 |
| SCHF Schwab Intl Equity ETF | New | 0.02% | +0.02 |
| AVDV Avantis Intl S/C Value ETF | New | 0.02% | +0.02 |
| TIP iShares Tips Bond ETF | Add +6.0% | 1.20% | +0.02 |
| IVV iShares Core S&P 500 ETF | Add +0.2% | 1.18% | +0.02 |
| DLN Wisdomtree US Largecap Divid | Add +84.3% | 0.05% | +0.02 |
| NVDA Nvidia Corp. | Add +7.9% | 0.13% | +0.02 |
| TSLA Tesla Inc. | New | 0.02% | +0.02 |
| BRK.B Berkshire Hathaway Inc. Class B | Add +15.2% | 0.16% | +0.02 |
| V Visa Inc. Class A | New | 0.02% | +0.02 |
| MA Mastercard Inc. Class A | New | 0.02% | +0.02 |
| DUHP Dimensional US High Profi Et | Add +2.6% | 1.29% | +0.02 |
| DFAC Dimensional US Core Equity 2 | Add +0.3% | 2.16% | +0.02 |
| VO Vngrd Mrngstr MD-Cap ETF-Usd | Add +12.7% | 0.11% | +0.01 |
| AMZN Amazon.com Inc. | Add +0.6% | 0.06% | +0.01 |
| AGG iShares Core U.S. Aggregate | Add +5.4% | 1.74% | +0.01 |
| GOOGL Alphabet Inc. Class A | Add +8.9% | 0.04% | +0.01 |
| GOOG Alphabet Inc. Class C | Add +6.3% | 0.03% | +0.01 |
| VWO Vanguard Ftse Emerging Marke | Add +11.1% | 0.29% | +0.01 |
| DFEM Dimensional Emrg MRKT Core | Add +9.1% | 0.42% | +0.00 |
| SCHA Schwab US Small-Cap ETF | Add +0.6% | 0.69% | +0.00 |
| DFAS Dimensional US Small Cap ETF | Add +0.4% | 1.21% | +0.00 |
| IWM iShares Russell 2000 ETF | Add +3.2% | 0.07% | +0.00 |
| SCHM Schwab US Mid Cap ETF | Add +0.3% | 1.27% | −0.00 |
| DFIV Dimensional International Va | Add +0.3% | 0.08% | −0.01 |
| VTIP Vanguard Short-Term Tips | Add +0.5% | 0.41% | −0.01 |
| ISTB iShares Core 1-5 Year Usd Bo | Add +0.2% | 0.35% | −0.01 |
| VTV Vanguard Mrngstr Val ETF-Aui | Add +1.4% | 0.75% | −0.02 |
| IGSB iShares 1-5Y Inv Grade Corp. | Add +1.3% | 2.01% | −0.02 |
| IEMG iShares Core MSCI Emerging | Add +3.9% | 0.38% | −0.02 |
| BSV Vanguard Short-Term Bond ETF | Add +0.2% | 1.54% | −0.03 |
| SCHP Schwab U.S. Tips ETF | Add +2.8% | 3.81% | −0.05 |
| AVDE Avantis International Equity | Add +0.1% | 0.72% | −0.07 |
| BND Vanguard Total Bond Market | Add +3.6% | 6.51% | −0.08 |
| SPYV SS SPDR P S&P 500 Value ETF | Add +0.0% | 9.14% | −0.34 |
All Filings
| Quarter | Positions | 13F Reported Value | Top Holdings |
|---|---|---|---|
| Q2 2026 | 112 | $1.6B | VOO, SPYV, IJH, BND, VTEB |
| Q1 2026 | 100 | $1.5B | VOO, SPYV, IJH, BND, VTEB |
| Q4 2025 | 102 | $1.5B | VOO, SPYV, IJH, BND, VTEB |
| Q3 2025 | 96 | $1.4B | VOO, SPYV, IJH, BND, VTEB |
| Q2 2025 | 97 | $1.3B | VOO, SPYV, IJH, BND, VTEB |
| Q1 2025 | 95 | $1.2B | VOO, SPYV, IJH, BND, VTEB |
| Q4 2024 | 92 | $1.2B | VOO, SPYV, IJH, BND, VTEB |
| Q3 2024 | 87 | $1.2B | VOO, SPYV, IJH, BND, VTEB |
| Q2 2024 | 87 | $1.1B | VOO, SPYV, IJH, BND, VTEB |
| Q1 2024 | 86 | $1.1B | VOO, SPYV, IJH, BND, VTEB |