Lutz Financial Services LLC

In its 13F for Q1 2026 (holdings as of March 31, 2026, filed May 4, 2026), Lutz Financial Services LLC reported 100 stock positions worth $1.5 billion. Its top holding was Vanguard S&P 500 ETF (VOO) at 10.1% of the portfolio, followed by SS SPDR P S&P 500 Value ETF (SPYV, 9.3%) and iShares Core S&P Midcap ETF (IJH, 7.3%). Compared with Q4 2025, it sold out of 2, added to 33 and reduced 48. The biggest buy was Vanguard Total Bond Market (BND, shares +5%) and the biggest sale Vanguard S&P 500 ETF (VOO, shares −1%).

Most Recent 13F
Q2 2026
Location
OMAHA, NE
CIK
0001737112
Portfolio Value
$1.5B (Q1 2026)
SEC Filing
0001737112-26-000003 ↗ filed May 4, 2026

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 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 $1.5B Q1 2026 Q2 2026: $1.6B Q2 2026

Holdings 100 stocks · $1.5B
VOO Vanguard S&P 500 ETF 10.12% 252,037 $150.6M Reduce -0.6%
SPYV SS SPDR P S&P 500 Value ETF 9.26% 2,434,676 $137.8M Add +2.0%
IJH iShares Core S&P Midcap ETF 7.25% 1,598,474 $107.9M Add +1.3%
BND Vanguard Total Bond Market 7.08% 1,431,140 $105.4M Add +5.0%
VTEB Vanguard Tax-Exempt Bond ETF 5.26% 1,569,663 $78.3M Add +5.6%
MDYV SS SPDR S&P 400 MC Val ETF 4.61% 805,859 $68.6M Add +2.9%
VCSH Vanguard S/T Corp. Bond ETF 4.59% 861,445 $68.3M Add +5.1%
SCHP Schwab U.S. Tips ETF 4.19% 2,341,905 $62.3M Add +6.1%
MBB iShares MBS ETF 4.03% 631,850 $60.0M Add +5.7%
SPY SS SPDR S&P 500 ETF Trust-US 2.89% 66,202 $43.1M Reduce -1.0%
MUB iShares National Muni Bond E 2.52% 353,163 $37.5M Add +0.5%
DFAC Dimensional US Core Equity 2 2.40% 919,611 $35.7M Add +2.5%
DFIC Dimensional International Co. 1.89% 790,627 $28.1M Reduce -0.1%
IGSB iShares 1-5Y Inv Grade Corp. 1.68% 475,169 $25.0M Reduce -2.4%
IJR iShares Core S&P Small-Cap E 1.60% 191,849 $23.8M Add +0.4%
SCHX Schwab US Large-Cap ETF 1.53% 890,800 $22.8M Add +22.3%
IVE iShares S&P 500 Value ETF 1.50% 105,481 $22.3M Reduce -1.4%
DUHP Dimensional US High Profi Et 1.43% 578,161 $21.3M Add +2.8%
SCHM Schwab US Mid Cap ETF 1.41% 678,368 $21.0M Add +1.2%
AGG iShares Core U.S. Aggregate 1.40% 209,147 $20.8M Reduce -4.9%
BSV Vanguard Short-Term Bond ETF 1.39% 264,007 $20.7M Reduce -1.5%
DFAS Dimensional US Small Cap ETF 1.14% 238,821 $17.0M Add +0.7%
VTV Vanguard Mrngstr Val ETF-Aui 1.12% 84,821 $16.6M Add +3.7%
VOE Vngrd Mrngstr MD-Cap Val ETF 1.11% 89,711 $16.5M Add +0.3%
IJJ iShares S&P Mid-Cap 400 Valu 1.06% 118,830 $15.7M Reduce -1.0%
IVV iShares Core S&P 500 ETF 1.04% 23,774 $15.5M Reduce -0.8%
QUAL iShares MSCI USA Quality Fac 1.04% 80,906 $15.5M Add +4.7%
VOOV Vanguard S&P 500 Value ETF 0.99% 72,295 $14.7M Reduce -2.5%
TIP iShares Tips Bond ETF 0.97% 130,532 $14.4M Reduce -2.0%
SLYV SS SPDR S&P 600 SC Val ETF 0.88% 138,450 $13.1M Reduce -3.5%
AVUV Avantis US Small Cap Value 0.88% 118,445 $13.1M Add +3.4%
AVDE Avantis International Equity 0.84% 147,685 $12.5M Reduce -4.3%
IVOV Vanguard S&P Mid-Cap 400 Val 0.79% 114,826 $11.7M Reduce -1.4%
SCHA Schwab US Small-Cap ETF 0.77% 396,280 $11.5M Reduce -3.0%
IUSV iShares Core S&P U.S. Value 0.77% 111,571 $11.4M Reduce -0.7%
MDY State Street SPDR S&P Midcap 0.75% 18,190 $11.2M Reduce -2.1%
DFAT Dimensional US Target Value 0.63% 149,514 $9.3M Reduce -1.8%
STIP iShares 0-5 Year Tips Bond E 0.62% 89,402 $9.2M Add +7.2%
DFEM Dimensional Emrg MRKT Core 0.57% 245,676 $8.5M Add +2.3%
DFUV Dimensional US Marketwide Va 0.49% 150,558 $7.3M Reduce -1.0%
IEMG iShares Core MSCI Emerging 0.42% 88,939 $6.2M Reduce -0.5%
SUB iShares Short-Term National 0.41% 57,341 $6.1M Reduce -0.8%
VBR Vngrd Mrngst SL-CP Val ETF-U 0.35% 24,033 $5.2M Reduce -1.9%
IJS iShares S&P Small-Cap 600 Va 0.34% 42,331 $5.0M Reduce -1.2%
ISTB iShares Core 1-5 Year Usd Bo 0.31% 94,905 $4.6M Add +0.9%
IWV iShares Russell 3000 ETF 0.30% 11,854 $4.4M Reduce -2.6%
VWO Vanguard Ftse Emerging Marke 0.28% 77,830 $4.2M Reduce -1.6%
STPZ PIMCO 1-5 Year US Tips Index 0.28% 76,584 $4.1M Reduce -2.9%
VTIP Vanguard Short-Term Tips 0.25% 75,620 $3.8M Reduce -11.6%
IWB iShares Russell 1000 ETF 0.17% 7,156 $2.6M Reduce -2.0%
VEA Vanguard Ftse Developed ETF 0.13% 30,620 $2.0M Reduce -0.6%
VMBS Vanguard Mortgage-Backed Sec 0.13% 41,719 $2.0M Reduce -1.7%
NVDA Nvidia Corp. 0.12% 10,285 $1.8M Add +0.3%
FNDF Schwab Fndmn Intl LRG Co. ETF 0.10% 31,694 $1.6M Reduce -4.9%
AAPL Apple Inc. 0.10% 6,052 $1.5M Add +0.1%
DFIV Dimensional International Va 0.10% 29,067 $1.5M Reduce -1.9%
VNQ Vanguard Real Estate ETF 0.10% 16,269 $1.4M Reduce -3.2%
MSFT Microsoft Corp. 0.08% 3,100 $1.1M Add +2.8%
VO Vngrd Mrngstr MD-Cap ETF-Usd 0.08% 3,908 $1.1M Reduce -0.4%
VTI VG Morningstar TS MKT ETF-US 0.07% 3,453 $1.1M Reduce -1.7%
VV Vngrd Mrgstr LRG-Cap ETF-Usd 0.07% 3,674 $1.1M No change
IWM iShares Russell 2000 ETF 0.07% 4,200 $1.0M No change
DFSD Dimensional Short Duration 0.06% 19,788 $947K Reduce -8.0%
VIG Vanguard Dividend Apprec ETF 0.06% 4,051 $871K Add +7.7%
IWD iShares Russell 1000 Value E 0.06% 4,010 $857K Reduce -3.9%
EFA iShares MSCI Eafe ETF 0.05% 8,109 $788K Reduce -0.2%
AMZN Amazon.com Inc. 0.05% 3,453 $719K Reduce -7.2%
BRK.A Berkshire Hathaway Inc. Class A 0.05% 1 $718K No change
DLN Wisdomtree US Largecap Divid 0.04% 7,456 $666K No change
VB Vanguard Most SM-Cap ETF-Usd 0.04% 2,541 $666K No change
BRK.B Berkshire Hathaway Inc. Class B 0.04% 1,350 $647K Reduce -71.0%
GOOGL Alphabet Inc. Class A 0.04% 2,148 $618K Reduce -1.6%
SCHG Schwab US Large-Cap Growth 0.04% 19,334 $563K No change
SPMD SS SPDR P S&P 400 Midcap ETF 0.04% 9,264 $549K No change
DBEF Xtrackers MSCI Eafe Hedged E 0.03% 10,469 $517K No change
AVDV Avantis Intl S/C Value ETF 0.03% 5,120 $511K No change
GOOG Alphabet Inc. Class C 0.03% 1,759 $505K Reduce -3.9%
DFCF Dimensional Core Fixed Inc. 0.03% 11,153 $471K Reduce -0.1%
AVUS Avantis U.S. Equity ETF 0.03% 4,234 $471K Add +4.7%
IWN iShares Russell 2000 Value E 0.03% 2,431 $461K Reduce -0.4%
META Meta Platforms Inc. Class A 0.03% 791 $453K Reduce -5.6%
VT Vanguard Tot World STK ETF 0.03% 3,183 $440K Add +6.5%
DFSV Dimensional US Small Cap Val 0.03% 12,314 $431K Add +1.7%
AVGO Broadcom Inc. 0.03% 1,372 $425K Reduce -6.3%
JPM JPMorgan Chase & Co. 0.03% 1,417 $417K Add +3.1%
IWR iShares Russell Mid-Cap ETF 0.03% 4,065 $395K No change
SCHF Schwab Intl Equity ETF 0.02% 14,938 $370K No change
AVLV Avantis US Large Cap Value 0.02% 4,523 $365K No change
QEMM State Street SPDR MSCI Emerg 0.02% 5,015 $348K No change
LLY Eli Lilly & Co. 0.02% 342 $315K Add +5.2%
QQQ Invesco QQQ Trust Series 1 0.02% 539 $311K Reduce -2.2%
VCIT Vanguard Int-Term Corporate 0.02% 3,607 $298K Reduce -0.3%
ILCB iShares Morningstar U.S. Equ 0.02% 3,306 $297K No change
WMT Walmart Inc. 0.02% 2,230 $277K Add +1.2%
ONEY SS SPDR R1000 Yield Foc ETF 0.02% 2,295 $276K No change
SCHV Schwab US Large-Cap Value 0.02% 8,275 $252K No change
VUG Vanguard Mrngstar GR ETF-Sui 0.02% 562 $245K Add +24.6%
SPEM State Street SP PTF Em ETF 0.02% 4,828 $226K No change
AVEM Avantis Emerging Markets Eq 0.01% 2,766 $223K No change
IGIB iShares 5-10Y Inv Grade Corp. 0.01% 4,007 $213K No change

Portfolio Sells Q4 2025 → Q1 2026
VOO Vanguard S&P 500 ETF Reduce -0.6% 10.12% −0.69
SPY SS SPDR S&P 500 ETF Trust-US Reduce -1.0% 2.89% −0.21
BRK.B Berkshire Hathaway Inc. Class B Reduce -71.0% 0.04% −0.12
AGG iShares Core U.S. Aggregate Reduce -4.9% 1.40% −0.10
IVV iShares Core S&P 500 ETF Reduce -0.8% 1.04% −0.07
IGSB iShares 1-5Y Inv Grade Corp. Reduce -2.4% 1.68% −0.07
IVE iShares S&P 500 Value ETF Reduce -1.4% 1.50% −0.05
BSV Vanguard Short-Term Bond ETF Reduce -1.5% 1.39% −0.05
VOOV Vanguard S&P 500 Value ETF Reduce -2.5% 0.99% −0.04
VTIP Vanguard Short-Term Tips Reduce -11.6% 0.25% −0.03
TIP iShares Tips Bond ETF Reduce -2.0% 0.97% −0.03
IWV iShares Russell 3000 ETF Reduce -2.6% 0.30% −0.03
AVDE Avantis International Equity Reduce -4.3% 0.84% −0.02
IUSV iShares Core S&P U.S. Value Reduce -0.7% 0.77% −0.02
SCHA Schwab US Small-Cap ETF Reduce -3.0% 0.77% −0.02
IJJ iShares S&P Mid-Cap 400 Valu Reduce -1.0% 1.06% −0.02
V Visa Inc. Class A Sold out 0.00% −0.02
IWB iShares Russell 1000 ETF Reduce -2.0% 0.17% −0.01
MA Mastercard Inc. Class A Sold out 0.00% −0.01
IVOV Vanguard S&P Mid-Cap 400 Val Reduce -1.4% 0.79% −0.01
AMZN Amazon.com Inc. Reduce -7.2% 0.05% −0.01
STPZ PIMCO 1-5 Year US Tips Index Reduce -2.9% 0.28% −0.01
SUB iShares Short-Term National Reduce -0.8% 0.41% −0.01
MDY State Street SPDR S&P Midcap Reduce -2.1% 0.75% −0.01
SLYV SS SPDR S&P 600 SC Val ETF Reduce -3.5% 0.88% −0.01
META Meta Platforms Inc. Class A Reduce -5.6% 0.03% −0.01
DFSD Dimensional Short Duration Reduce -8.0% 0.06% −0.01
VWO Vanguard Ftse Emerging Marke Reduce -1.6% 0.28% −0.01
AVGO Broadcom Inc. Reduce -6.3% 0.03% −0.01
VTI VG Morningstar TS MKT ETF-US Reduce -1.7% 0.07% −0.01
GOOG Alphabet Inc. Class C Reduce -3.9% 0.03% −0.01
GOOGL Alphabet Inc. Class A Reduce -1.6% 0.04% −0.01
VMBS Vanguard Mortgage-Backed Sec Reduce -1.7% 0.13% −0.00
VNQ Vanguard Real Estate ETF Reduce -3.2% 0.10% −0.00
QQQ Invesco QQQ Trust Series 1 Reduce -2.2% 0.02% −0.00
IWD iShares Russell 1000 Value E Reduce -3.9% 0.06% −0.00
VBR Vngrd Mrngst SL-CP Val ETF-U Reduce -1.9% 0.35% −0.00
VO Vngrd Mrngstr MD-Cap ETF-Usd Reduce -0.4% 0.08% −0.00
DFCF Dimensional Core Fixed Inc. Reduce -0.1% 0.03% −0.00
VCIT Vanguard Int-Term Corporate Reduce -0.3% 0.02% −0.00
EFA iShares MSCI Eafe ETF Reduce -0.2% 0.05% −0.00
IWN iShares Russell 2000 Value E Reduce -0.4% 0.03% +0.00
VEA Vanguard Ftse Developed ETF Reduce -0.6% 0.13% +0.00
FNDF Schwab Fndmn Intl LRG Co. ETF Reduce -4.9% 0.10% +0.00
DFIV Dimensional International Va Reduce -1.9% 0.10% +0.00
IJS iShares S&P Small-Cap 600 Va Reduce -1.2% 0.34% +0.01
IEMG iShares Core MSCI Emerging Reduce -0.5% 0.42% +0.01
DFUV Dimensional US Marketwide Va Reduce -1.0% 0.49% +0.01
DFAT Dimensional US Target Value Reduce -1.8% 0.63% +0.01
DFIC Dimensional International Co. Reduce -0.1% 1.89% +0.03

Portfolio Buys Q4 2025 → Q1 2026
BND Vanguard Total Bond Market Add +5.0% 7.08% +0.22
SCHP Schwab U.S. Tips ETF Add +6.1% 4.19% +0.21
SCHX Schwab US Large-Cap ETF Add +22.3% 1.53% +0.20
VTEB Vanguard Tax-Exempt Bond ETF Add +5.6% 5.26% +0.18
IJH iShares Core S&P Midcap ETF Add +1.3% 7.25% +0.17
MBB iShares MBS ETF Add +5.7% 4.03% +0.16
VCSH Vanguard S/T Corp. Bond ETF Add +5.1% 4.59% +0.15
MDYV SS SPDR S&P 400 MC Val ETF Add +2.9% 4.61% +0.10
AVUV Avantis US Small Cap Value Add +3.4% 0.88% +0.08
VTV Vanguard Mrngstr Val ETF-Aui Add +3.7% 1.12% +0.06
IJR iShares Core S&P Small-Cap E Add +0.4% 1.60% +0.04
STIP iShares 0-5 Year Tips Bond E Add +7.2% 0.62% +0.04
SCHM Schwab US Mid Cap ETF Add +1.2% 1.41% +0.04
SPYV SS SPDR P S&P 500 Value ETF Add +2.0% 9.26% +0.03
VOE Vngrd Mrngstr MD-Cap Val ETF Add +0.3% 1.11% +0.03
DFEM Dimensional Emrg MRKT Core Add +2.3% 0.57% +0.03
DFAS Dimensional US Small Cap ETF Add +0.7% 1.14% +0.02
VIG Vanguard Dividend Apprec ETF Add +7.7% 0.06% +0.00
DFSV Dimensional US Small Cap Val Add +1.7% 0.03% +0.00
WMT Walmart Inc. Add +1.2% 0.02% +0.00
VUG Vanguard Mrngstar GR ETF-Sui Add +24.6% 0.02% +0.00
AVUS Avantis U.S. Equity ETF Add +4.7% 0.03% +0.00
VT Vanguard Tot World STK ETF Add +6.5% 0.03% +0.00
QUAL iShares MSCI USA Quality Fac Add +4.7% 1.04% −0.00
JPM JPMorgan Chase & Co. Add +3.1% 0.03% −0.00
LLY Eli Lilly & Co. Add +5.2% 0.02% −0.00
ISTB iShares Core 1-5 Year Usd Bo Add +0.9% 0.31% −0.00
AAPL Apple Inc. Add +0.1% 0.10% −0.01
NVDA Nvidia Corp. Add +0.3% 0.12% −0.01
DFAC Dimensional US Core Equity 2 Add +2.5% 2.40% −0.01
MSFT Microsoft Corp. Add +2.8% 0.08% −0.02
DUHP Dimensional US High Profi Et Add +2.8% 1.43% −0.03
MUB iShares National Muni Bond E Add +0.5% 2.52% −0.04

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