My Personal CFO, LLC

In its 13F for Q4 2024 (holdings as of December 31, 2024, filed January 24, 2025), My Personal CFO, LLC reported 88 stock positions worth $195.0 million. Its top holding was VG Morningstar TS MKT ETF-US (VTI) at 15.8% of the portfolio, followed by Microsoft (MSFT, 9.3%) and Avantis U.S. Equity ETF (AVUS, 6.8%). Compared with Q3 2024, it opened 1 new position, sold out of 1, added to 38 and reduced 21. The biggest buy was VG Morningstar TS MKT ETF-US (VTI, shares +14%) and the biggest sale iShares MSCI Eafe Small-Cap (SCZ, shares −2%).

Most Recent 13F
Q2 2026
Location
VANCOUVER, WA
CIK
0001916366
Portfolio Value
$195.0M (Q4 2024)
SEC Filing
0001754960-25-000067 ↗ filed Jan 24, 2025

Holdings Value

0$100.0M$200.0M$300.0M Q1 2024: $173.5M Q1 2024 Q2 2024: $187.3M Q2 2024 Q3 2024: $182.4M Q3 2024 Q4 2024: $195.0M $195.0M Q4 2024 Q1 2025: $198.5M Q1 2025 Q2 2025: $220.0M Q2 2025 Q3 2025: $258.2M Q3 2025 Q4 2025: $239.7M Q4 2025 Q1 2026: $228.4M Q1 2026 Q2 2026: $256.2M Q2 2026

Holdings 88 stocks · $195.0M
VTI VG Morningstar TS MKT ETF-US 15.81% 106,392 $30.8M Add +14.0%
MSFT Microsoft Corp. 9.29% 43,004 $18.1M Add +12.1%
AVUS Avantis U.S. Equity ETF 6.76% 135,930 $13.2M Add +6.1%
OKTA Okta Inc. 4.83% 119,582 $9.4M Reduce -0.0%
QQQ Invesco QQQ Trust Series 1 4.03% 15,376 $7.9M Reduce -2.0%
AAPL Apple Inc. 3.19% 24,843 $6.2M Add +0.5%
SPY SS SPDR S&P 500 ETF Trust-US 2.98% 9,908 $5.8M Add +11.3%
DFAU Dimensional US Core Equity M 2.84% 136,680 $5.5M Add +36.3%
SCZ iShares MSCI Eafe Small-Cap 2.26% 72,534 $4.4M Reduce -2.2%
BRK.B Berkshire Hathaway Inc. Class B 2.02% 8,672 $3.9M Add +2.4%
VO Vngrd Mrngstr MD-Cap ETF-Usd 1.90% 14,054 $3.7M Add +21.4%
BAPR Innovator U.S. Equity Buffer 1.88% 82,620 $3.7M No change
STGW Stagwell Inc. 1.87% 555,029 $3.7M Reduce -2.2%
VOO Vanguard S&P 500 ETF 1.83% 6,616 $3.6M Add +21.1%
BDEC Innovator U.S. Equity Buffer 1.64% 74,336 $3.2M Add +11.0%
BFEB Innovator U.S. Equity Buffer 1.64% 74,125 $3.2M No change
ESGV Vanguard ESG US Stock ETF 1.48% 27,554 $2.9M Add +0.0%
DVY iShares Select Dividend ETF 1.47% 21,789 $2.9M Add +10.9%
VNQ Vanguard Real Estate ETF 1.40% 30,724 $2.7M Add +2.1%
BNOV Innovator U.S. Equity Buffer 1.35% 66,810 $2.6M Add +31.1%
BJUL Innovator U.S. Equity Buffer 1.33% 58,020 $2.6M No change
VDE Vanguard Energy ETF 1.27% 20,485 $2.5M Add +24.5%
NVDA Nvidia Corp. 1.21% 17,607 $2.4M Reduce -5.1%
BMAR Innovator U.S. Equity Buffer 1.18% 49,810 $2.3M Reduce -1.9%
BJAN Innovator U.S. Equity Buffer 1.14% 46,505 $2.2M Reduce -1.1%
VYM Vanguard High DVD Yield ETF 1.12% 17,165 $2.2M No change
SPYM Ste STR SPDR PT S&P 500 ETF 1.09% 30,801 $2.1M Reduce -0.3%
IQLT iShares MSCI International Q 1.05% 55,200 $2.0M Add +20.2%
IVV iShares Core S&P 500 ETF 0.99% 3,271 $1.9M Reduce -2.5%
NJAN Innovator Growth 100 Power B 0.96% 39,000 $1.9M No change
IJAN Innovator International Deve 0.93% 59,880 $1.8M No change
DFAI Dimensional International Co. 0.82% 54,930 $1.6M Add +116.7%
META Meta Platforms Inc. Class A 0.81% 2,693 $1.6M Add +0.0%
ITOT iShares Core S&P Total U.S. 0.79% 11,967 $1.5M No change
IYH iShares U.S. Healthcare ETF 0.74% 24,750 $1.4M No change
SCHD Schwab US DVD Equity ETF 0.60% 42,891 $1.2M Add +53.5%
AMAT Applied Materials Inc. 0.59% 7,059 $1.1M No change
BOCT Innovator U.S. Equity Buffer 0.57% 25,935 $1.1M Add +41.7%
BSEP Innovator U.S. Equity Buffer 0.49% 22,180 $952K No change
W Wayfair Inc. Class A 0.48% 21,006 $931K No change
UNH Unitedhealth Group Inc. 0.47% 1,822 $922K No change
NKE Nike Inc. Class B 0.44% 11,227 $850K Reduce -13.0%
BJUN Innovator U.S. Equity Buffer 0.43% 20,400 $847K No change
EJAN Innovator Emerging Markets P 0.42% 28,090 $827K Reduce -0.3%
AMD Advanced Micro Devices 0.42% 6,731 $813K No change
VWO Vanguard Ftse Emerging Marke 0.41% 18,043 $795K Add +13.3%
HD Home Depot Inc. 0.40% 1,992 $775K No change
AMZN Amazon.com Inc. 0.37% 3,306 $725K Reduce -8.3%
JPM JPMorgan Chase & Co. 0.36% 2,956 $709K No change
VEA Vanguard Ftse Developed ETF 0.35% 14,474 $692K Add +0.7%
IBB iShares Biotechnology ETF 0.35% 5,140 $680K Reduce -22.6%
BND Vanguard Total Bond Market 0.33% 9,083 $653K Reduce -12.0%
VB Vanguard Most SM-Cap ETF-Usd 0.33% 2,689 $646K Add +0.5%
JNJ Johnson & Johnson 0.31% 4,209 $609K Reduce -0.4%
SCHB Schwab US Broad Market ETF 0.29% 25,184 $572K No change
SCHF Schwab Intl Equity ETF 0.28% 29,316 $542K Add +0.2%
IWR iShares Russell Mid-Cap ETF 0.26% 5,712 $505K Add +0.1%
VGT Vanguard Info Tech ETF 0.25% 776 $482K Add +0.1%
A Agilent Technologies Inc. 0.24% 3,503 $471K No change
XLV SS Health Care Select Sector 0.24% 3,370 $464K Add +0.2%
KAPR Innovator U.S. Small Cap Pow 0.23% 13,731 $449K No change
IJH iShares Core S&P Midcap ETF 0.23% 7,140 $445K No change
GOOG Alphabet Inc. Class C 0.22% 2,288 $436K Reduce -0.6%
PJAN Innovator U.S. Equity Power 0.22% 10,245 $433K Reduce -0.2%
DIS The Walt Disney Co. filed as DISNEY WALT CO 0.22% 3,769 $420K Reduce -0.4%
BSV Vanguard Short-Term Bond ETF 0.19% 4,899 $379K Reduce -15.3%
VONG Vanguard Russell 1000 Growth 0.19% 3,654 $377K Add +0.1%
VV Vngrd Mrgstr LRG-Cap ETF-Usd 0.19% 1,389 $375K Add +0.2%
SDY SS SPDR S&P Dividend ETF 0.19% 2,800 $370K No change
XLK SS Technology Select Sector 0.17% 1,446 $336K No change
VIG Vanguard Dividend Apprec ETF 0.16% 1,621 $317K Add +0.1%
BAC Bank of America Corp. filed as BANK AMERICA CORP 0.16% 6,943 $305K Add +0.0%
VGSH Vanguard Short-Term Treasury 0.16% 5,236 $305K No change
VBR Vngrd Mrngst SL-CP Val ETF-U 0.16% 1,534 $304K Add +0.5%
IEMG iShares Core MSCI Emerging 0.15% 5,668 $296K Add +0.4%
CRM Salesforce Inc. 0.14% 833 $278K Add +0.1%
XOM Exxon Mobil Corp. 0.14% 2,578 $277K Add +0.2%
VUG Vanguard Mrngstar GR ETF-Sui 0.14% 674 $277K Add +0.1%
XLP SS Consumer Staples Sel Sect 0.14% 3,475 $273K Add +0.5%
GOOGL Alphabet Inc. Class A 0.14% 1,422 $269K Add +7.5%
AVGO Broadcom Inc. 0.13% 1,091 $253K New
VOOG Vanguard S&P 500 Growth ETF 0.13% 670 $245K Reduce -1.2%
IEI iShares 3-7 Year Treasury Bo 0.12% 2,096 $242K No change
EFG iShares MSCI Eafe Growth ETF 0.12% 2,447 $237K No change
XLE SS Energy Select Sector 0.12% 2,674 $229K Reduce -0.0%
SPMD SS SPDR P S&P 400 Midcap ETF 0.12% 4,101 $224K No change
VPU Vanguard Utilities ETF 0.11% 1,329 $217K No change
MNTX Manitex International Inc. 0.03% 10,000 $58K No change

Portfolio Sells Q3 2024 → Q4 2024
SCZ iShares MSCI Eafe Small-Cap Reduce -2.2% 2.26% −0.49
STGW Stagwell Inc. Reduce -2.2% 1.87% −0.31
NKE Nike Inc. Class B Reduce -13.0% 0.44% −0.19
IBB iShares Biotechnology ETF Reduce -22.6% 0.35% −0.18
QQQ Invesco QQQ Trust Series 1 Reduce -2.0% 4.03% −0.17
VXUS Vanguard Total Intl Stock Sold out 0.00% −0.11
BND Vanguard Total Bond Market Reduce -12.0% 0.33% −0.09
BMAR Innovator U.S. Equity Buffer Reduce -1.9% 1.18% −0.07
IVV iShares Core S&P 500 ETF Reduce -2.5% 0.99% −0.07
JNJ Johnson & Johnson Reduce -0.4% 0.31% −0.06
EJAN Innovator Emerging Markets P Reduce -0.3% 0.42% −0.06
BJAN Innovator U.S. Equity Buffer Reduce -1.1% 1.14% −0.06
BSV Vanguard Short-Term Bond ETF Reduce -15.3% 0.19% −0.06
SPYM Ste STR SPDR PT S&P 500 ETF Reduce -0.3% 1.09% −0.06
OKTA Okta Inc. Reduce -0.0% 4.83% −0.04
NVDA Nvidia Corp. Reduce -5.1% 1.21% −0.02
XLE SS Energy Select Sector Reduce -0.0% 0.12% −0.01
PJAN Innovator U.S. Equity Power Reduce -0.2% 0.22% −0.01
VOOG Vanguard S&P 500 Growth ETF Reduce -1.2% 0.13% −0.00
AMZN Amazon.com Inc. Reduce -8.3% 0.37% +0.00
GOOG Alphabet Inc. Class C Reduce -0.6% 0.22% +0.01
DIS The Walt Disney Co. Reduce -0.4% 0.22% +0.02

Portfolio Buys Q3 2024 → Q4 2024
VTI VG Morningstar TS MKT ETF-US Add +14.0% 15.81% +1.32
DFAU Dimensional US Core Equity M Add +36.3% 2.84% +0.66
DFAI Dimensional International Co. Add +116.7% 0.82% +0.38
BNOV Innovator U.S. Equity Buffer Add +31.1% 1.35% +0.28
VOO Vanguard S&P 500 ETF Add +21.1% 1.83% +0.25
MSFT Microsoft Corp. Add +12.1% 9.29% +0.24
VO Vngrd Mrngstr MD-Cap ETF-Usd Add +21.4% 1.90% +0.23
SPY SS SPDR S&P 500 ETF Trust-US Add +11.3% 2.98% +0.18
VDE Vanguard Energy ETF Add +24.5% 1.27% +0.17
SCHD Schwab US DVD Equity ETF Add +53.5% 0.60% +0.17
BOCT Innovator U.S. Equity Buffer Add +41.7% 0.57% +0.15
AVGO Broadcom Inc. New 0.13% +0.13
AVUS Avantis U.S. Equity ETF Add +6.1% 6.76% +0.07
BDEC Innovator U.S. Equity Buffer Add +11.0% 1.64% +0.06
AAPL Apple Inc. Add +0.5% 3.19% +0.03
CRM Salesforce Inc. Add +0.1% 0.14% +0.02
GOOGL Alphabet Inc. Class A Add +7.5% 0.14% +0.02
DVY iShares Select Dividend ETF Add +10.9% 1.47% +0.01
IQLT iShares MSCI International Q Add +20.2% 1.05% +0.01
BAC Bank of America Corp. Add +0.0% 0.16% +0.01
VONG Vanguard Russell 1000 Growth Add +0.1% 0.19% +0.00
VUG Vanguard Mrngstar GR ETF-Sui Add +0.1% 0.14% +0.00
VGT Vanguard Info Tech ETF Add +0.1% 0.25% −0.00
VV Vngrd Mrgstr LRG-Cap ETF-Usd Add +0.2% 0.19% −0.01
VWO Vanguard Ftse Emerging Marke Add +13.3% 0.41% −0.01
VBR Vngrd Mrngst SL-CP Val ETF-U Add +0.5% 0.16% −0.01
VIG Vanguard Dividend Apprec ETF Add +0.1% 0.16% −0.01
VB Vanguard Most SM-Cap ETF-Usd Add +0.5% 0.33% −0.02
IWR iShares Russell Mid-Cap ETF Add +0.1% 0.26% −0.02
XLP SS Consumer Staples Sel Sect Add +0.5% 0.14% −0.02
XOM Exxon Mobil Corp. Add +0.2% 0.14% −0.02
IEMG iShares Core MSCI Emerging Add +0.4% 0.15% −0.03
META Meta Platforms Inc. Class A Add +0.0% 0.81% −0.04
XLV SS Health Care Select Sector Add +0.2% 0.24% −0.05
SCHF Schwab Intl Equity ETF Add +0.2% 0.28% −0.05
ESGV Vanguard ESG US Stock ETF Add +0.0% 1.48% −0.05
VEA Vanguard Ftse Developed ETF Add +0.7% 0.35% −0.06
BRK.B Berkshire Hathaway Inc. Class B Add +2.4% 2.02% −0.12
VNQ Vanguard Real Estate ETF Add +2.1% 1.40% −0.20

All Filings

QuarterPositions13F Reported ValueTop Holdings
Q2 2026 91$256.2MVTI, MSFT, DFAI, AVUS, AAPL
Q1 2026 88$228.4MVTI, MSFT, AVUS, DFAI, AAPL
Q4 2025 93$239.7MVTI, MSFT, AVUS, AAPL, DFAI
Q3 2025 94$258.2MVTI, VCIT, IVV, VCSH, DFAC
Q2 2025 92$220.0MVTI, MSFT, AVUS, AAPL, OKTA
Q1 2025 87$198.5MVTI, MSFT, AVUS, AAPL, OKTA
Q4 2024 88$195.0MVTI, MSFT, AVUS, OKTA, QQQ
Q3 2024 88$182.4MVTI, MSFT, AVUS, OKTA, QQQ
Q2 2024 101$187.3MVTI, MSFT, OKTA, AVUS, STGW
Q1 2024 97$173.5MVTI, OKTA, MSFT, AVUS, STGW