My Personal CFO, LLC
In its 13F for Q4 2025 (holdings as of December 31, 2025, filed January 15, 2026), My Personal CFO, LLC reported 93 stock positions worth $239.7 million. Its top holding was VG Morningstar TS MKT ETF-US (VTI) at 15.3% of the portfolio, followed by Microsoft (MSFT, 9.3%) and Avantis U.S. Equity ETF (AVUS, 5.8%). Compared with Q3 2025, it opened 66 new positions, sold out of 67, added to 18 and reduced 9. The biggest buy was Microsoft (MSFT, shares +3530%) and the biggest sale an exit from Vanguard Int-Term Corporate (VCIT).
- Most Recent 13F
- Q2 2026
- Location
- VANCOUVER, WA
- CIK
- 0001916366
- Portfolio Value
- $239.7M (Q4 2025)
- SEC Filing
- 0001754960-26-000077 ↗ filed Jan 15, 2026
Holdings Value
Holdings 93 stocks · $239.7M
| VTI VG Morningstar TS MKT ETF-US | 15.35% | 109,733 | $36.8M | Add +40.9% |
| MSFT Microsoft Corp. | 9.35% | 46,320 | $22.4M | Add +3530.1% |
| AVUS Avantis U.S. Equity ETF | 5.78% | 123,990 | $13.9M | New |
| AAPL Apple Inc. | 5.13% | 45,200 | $12.3M | Add +720.3% |
| DFAI Dimensional International Co. | 3.78% | 237,462 | $9.0M | Add +1253.3% |
| QQQ Invesco QQQ Trust Series 1 | 3.77% | 14,694 | $9.0M | New |
| OKTA Okta Inc. | 3.38% | 93,805 | $8.1M | New |
| TFLR T Rowe Price Floating RT ETF | 3.22% | 149,999 | $7.7M | New |
| DFAU Dimensional US Core Equity M | 3.15% | 161,512 | $7.6M | New |
| SPY SS SPDR S&P 500 ETF Trust-US | 2.75% | 9,682 | $6.6M | Add +732.5% |
| SCZ iShares MSCI Eafe Small-Cap | 2.26% | 69,864 | $5.4M | Add +76.0% |
| VOO Vanguard S&P 500 ETF | 2.25% | 8,618 | $5.4M | New |
| BAPR Innovator U.S. Equity Buffer | 1.60% | 79,828 | $3.8M | New |
| DVY iShares Select Dividend ETF | 1.58% | 26,862 | $3.8M | New |
| BDEC Innovator U.S. Equity Buffer | 1.54% | 74,376 | $3.7M | New |
| VO Vngrd Mrngstr MD-Cap ETF-Usd | 1.40% | 11,578 | $3.4M | Add +962.2% |
| BFEB Innovator U.S. Equity Buffer | 1.39% | 68,315 | $3.3M | New |
| VNQ Vanguard Real Estate ETF | 1.24% | 33,579 | $3.0M | Reduce -53.3% |
| BNOV Innovator U.S. Equity Buffer | 1.22% | 65,510 | $2.9M | New |
| BRK.B Berkshire Hathaway Inc. Class B | 1.21% | 5,770 | $2.9M | New |
| STGW Stagwell Inc. | 1.21% | 590,882 | $2.9M | New |
| NVDA Nvidia Corp. | 1.18% | 15,135 | $2.8M | Add +314.3% |
| BJUL Innovator U.S. Equity Buffer | 1.14% | 53,755 | $2.7M | New |
| VDE Vanguard Energy ETF | 1.13% | 21,438 | $2.7M | New |
| IQLT iShares MSCI International Q | 1.11% | 58,472 | $2.7M | New |
| BMAR Innovator U.S. Equity Buffer | 1.07% | 48,290 | $2.6M | New |
| VYM Vanguard High DVD Yield ETF | 1.03% | 17,165 | $2.5M | New |
| SPYM Ste STR SPDR PT S&P 500 ETF | 1.01% | 30,061 | $2.4M | New |
| BJAN Innovator U.S. Equity Buffer | 0.96% | 41,858 | $2.3M | New |
| NJAN Innovator Growth 100 Power B | 0.89% | 39,000 | $2.1M | New |
| IVV iShares Core S&P 500 ETF | 0.88% | 3,093 | $2.1M | Reduce -84.8% |
| IJAN Innovator International Deve | 0.85% | 56,630 | $2.0M | New |
| AMJB Alerian MLP ETN2044 filed as JPMORGAN CHASE FINL CO LLC | 0.78% | 62,124 | $1.9M | New |
| ITOT iShares Core S&P Total U.S. | 0.76% | 12,287 | $1.8M | New |
| SCHD Schwab US DVD Equity ETF | 0.69% | 60,581 | $1.7M | New |
| IYH iShares U.S. Healthcare ETF | 0.67% | 24,750 | $1.6M | New |
| AMAT Applied Materials Inc. | 0.63% | 5,841 | $1.5M | New |
| VWO Vanguard Ftse Emerging Marke | 0.55% | 24,604 | $1.3M | Reduce -55.4% |
| AMD Advanced Micro Devices | 0.55% | 6,126 | $1.3M | New |
| BOCT Innovator U.S. Equity Buffer | 0.53% | 25,935 | $1.3M | New |
| BSEP Innovator U.S. Equity Buffer | 0.49% | 23,610 | $1.2M | New |
| ESGV Vanguard ESG US Stock ETF | 0.47% | 9,298 | $1.1M | New |
| BJUN Innovator U.S. Equity Buffer | 0.40% | 20,580 | $962K | New |
| VEA Vanguard Ftse Developed ETF | 0.39% | 15,045 | $940K | Reduce -87.6% |
| JPM JPMorgan Chase & Co. | 0.38% | 2,860 | $922K | Add +60.9% |
| META Meta Platforms Inc. Class A | 0.38% | 1,395 | $921K | Add +299.7% |
| EJAN Innovator Emerging Markets P | 0.38% | 26,990 | $912K | New |
| JNJ Johnson & Johnson | 0.36% | 4,221 | $874K | Add +41.5% |
| BSV Vanguard Short-Term Bond ETF | 0.36% | 10,951 | $863K | Reduce -88.9% |
| VB Vanguard Most SM-Cap ETF-Usd | 0.31% | 2,912 | $751K | Add +133.9% |
| BND Vanguard Total Bond Market | 0.31% | 9,924 | $735K | Add +188.9% |
| SCHF Schwab Intl Equity ETF | 0.29% | 29,391 | $707K | New |
| IBB iShares Biotechnology ETF | 0.29% | 4,140 | $699K | New |
| XLK SS Technology Select Sector | 0.29% | 4,794 | $690K | New |
| VGSH Vanguard Short-Term Treasury | 0.29% | 11,665 | $685K | New |
| SCHB Schwab US Broad Market ETF | 0.28% | 25,257 | $662K | Reduce -16.2% |
| BMAY Innovator U.S. Equity Buffer | 0.24% | 13,000 | $583K | New |
| UNH Unitedhealth Group Inc. | 0.24% | 1,754 | $579K | Reduce -4.2% |
| VGT Vanguard Info Tech ETF | 0.24% | 748 | $563K | Add +34.3% |
| IWR iShares Russell Mid-Cap ETF | 0.23% | 5,725 | $551K | New |
| PJAN Innovator U.S. Equity Power | 0.20% | 10,205 | $480K | New |
| A Agilent Technologies Inc. | 0.20% | 3,511 | $478K | New |
| IJH iShares Core S&P Midcap ETF | 0.20% | 7,155 | $472K | New |
| AMZN Amazon.com Inc. | 0.19% | 1,975 | $456K | Add +26.9% |
| KAPR Innovator U.S. Small Cap Pow | 0.19% | 12,731 | $447K | New |
| VONG Vanguard Russell 1000 Growth | 0.19% | 3,663 | $446K | New |
| VV Vngrd Mrgstr LRG-Cap ETF-Usd | 0.18% | 1,391 | $438K | New |
| GOOGL Alphabet Inc. Class A | 0.17% | 1,301 | $407K | Add +32.1% |
| SDY SS SPDR S&P Dividend ETF | 0.16% | 2,800 | $390K | New |
| IEMG iShares Core MSCI Emerging | 0.16% | 5,664 | $381K | New |
| XLV SS Health Care Select Sector | 0.16% | 2,452 | $380K | New |
| BAC Bank of America Corp. filed as BANK AMERICA CORP | 0.15% | 6,686 | $368K | New |
| HD Home Depot Inc. | 0.15% | 1,068 | $367K | New |
| VIG Vanguard Dividend Apprec ETF | 0.15% | 1,607 | $353K | New |
| AVGO Broadcom Inc. | 0.14% | 965 | $334K | Add +26.8% |
| VUG Vanguard Mrngstar GR ETF-Sui | 0.14% | 675 | $329K | Reduce -20.1% |
| VBR Vngrd Mrngst SL-CP Val ETF-U | 0.13% | 1,496 | $317K | Add +14.0% |
| VOOG Vanguard S&P 500 Growth ETF | 0.13% | 674 | $300K | New |
| EFG iShares MSCI Eafe Growth ETF | 0.12% | 2,447 | $279K | New |
| GS Goldman Sachs Group Inc. | 0.12% | 314 | $276K | New |
| XOM Exxon Mobil Corp. | 0.11% | 2,161 | $260K | Reduce -21.4% |
| BAUG Innovator U.S. Equity Buffer | 0.11% | 5,140 | $257K | New |
| VXUS Vanguard Total Intl Stock | 0.10% | 3,337 | $252K | New |
| IEI iShares 3-7 Year Treasury Bo | 0.10% | 2,096 | $250K | New |
| SPMD SS SPDR P S&P 400 Midcap ETF | 0.10% | 4,228 | $245K | New |
| GOOG Alphabet Inc. Class C | 0.10% | 780 | $245K | New |
| CAT Caterpillar Inc. | 0.10% | 412 | $236K | New |
| CRM Salesforce Inc. | 0.10% | 860 | $228K | New |
| GLD SPDR Gold Shares | 0.09% | 552 | $219K | New |
| NKE Nike Inc. Class B | 0.09% | 3,394 | $216K | New |
| FLRN SS SPDR BB Ig Float RT ETF | 0.09% | 7,000 | $215K | New |
| TTWO Take-Two Interactive Softwre | 0.08% | 790 | $202K | New |
| ORC Orchid Island Capital Inc. | 0.03% | 10,000 | $72K | New |
Portfolio Sells Q3 2025 → Q4 2025
| VCIT Vanguard Int-Term Corporate | Sold out | 0.00% | −8.11 |
| VCSH Vanguard S/T Corp. Bond ETF | Sold out | 0.00% | −5.14 |
| DFAC Dimensional US Core Equity 2 | Sold out | 0.00% | −4.87 |
| IVV iShares Core S&P 500 ETF | Reduce -84.8% | 0.88% | −4.39 |
| DUHP Dimensional US High Profi Et | Sold out | 0.00% | −4.15 |
| DFSV Dimensional US Small Cap Val | Sold out | 0.00% | −4.11 |
| DFEM Dimensional Emrg MRKT Core | Sold out | 0.00% | −3.74 |
| SCHR Schwab Intermediate-Term US | Sold out | 0.00% | −3.38 |
| EFA iShares MSCI Eafe ETF | Sold out | 0.00% | −2.88 |
| BSV Vanguard Short-Term Bond ETF | Reduce -88.9% | 0.36% | −2.67 |
| VEA Vanguard Ftse Developed ETF | Reduce -87.6% | 0.39% | −2.43 |
| IWF iShares Russell 1000 Growth | Sold out | 0.00% | −2.39 |
| DIHP Dimensional International Hi | Sold out | 0.00% | −1.75 |
| VEU Vanguard Ftse All-World Ex-U | Sold out | 0.00% | −1.66 |
| VTIP Vanguard Short-Term Tips | Sold out | 0.00% | −1.62 |
| DISV Dimensional International SM | Sold out | 0.00% | −1.58 |
| DFIC Dimensional International Co. | Sold out | 0.00% | −1.52 |
| IWD iShares Russell 1000 Value E | Sold out | 0.00% | −1.48 |
| IWN iShares Russell 2000 Value E | Sold out | 0.00% | −1.46 |
| IWV iShares Russell 3000 ETF | Sold out | 0.00% | −1.36 |
| VNQ Vanguard Real Estate ETF | Reduce -53.3% | 1.24% | −1.31 |
| AZN Astrazeneca PLC-Spons ADR | Sold out | 0.00% | −1.14 |
| VSS Vanguard Ftse All Wo X-US SC | Sold out | 0.00% | −1.12 |
| DFSD Dimensional Short Duration | Sold out | 0.00% | −1.08 |
| IWO iShares Russell 2000 Growth | Sold out | 0.00% | −1.01 |
| IWB iShares Russell 1000 ETF | Sold out | 0.00% | −0.99 |
| IJR iShares Core S&P Small-Cap E | Sold out | 0.00% | −0.99 |
| DFSU Dimensional US Sus CORE1 ETF | Sold out | 0.00% | −0.98 |
| DFUV Dimensional US Marketwide Va | Sold out | 0.00% | −0.95 |
| SPYV SS SPDR P S&P 500 Value ETF | Sold out | 0.00% | −0.92 |
| IWM iShares Russell 2000 ETF | Sold out | 0.00% | −0.91 |
| SLYV SS SPDR S&P 600 SC Val ETF | Sold out | 0.00% | −0.87 |
| VWO Vanguard Ftse Emerging Marke | Reduce -55.4% | 0.55% | −0.61 |
| EFV iShares MSCI Eafe Value ETF | Sold out | 0.00% | −0.60 |
| DFAT Dimensional US Target Value | Sold out | 0.00% | −0.58 |
| DFIV Dimensional International Va | Sold out | 0.00% | −0.50 |
| TIP iShares Tips Bond ETF | Sold out | 0.00% | −0.46 |
| DFAX Dimensional World Ex US Core | Sold out | 0.00% | −0.41 |
| DFEV Dimensional Emrg MRKT Val | Sold out | 0.00% | −0.37 |
| VTV Vanguard Mrngstr Val ETF-Aui | Sold out | 0.00% | −0.33 |
| DFGR Dim Global Real Estate ETF | Sold out | 0.00% | −0.30 |
| SCHX Schwab US Large-Cap ETF | Sold out | 0.00% | −0.29 |
| AJG Arthur J Gallagher & Co. | Sold out | 0.00% | −0.28 |
| IWP iShares Russell Mid-Cap Grow | Sold out | 0.00% | −0.28 |
| IVE iShares S&P 500 Value ETF | Sold out | 0.00% | −0.25 |
| AVUV Avantis US Small Cap Value | Sold out | 0.00% | −0.24 |
| SPDW Ste STR SPDR PT DW Eu ETF | Sold out | 0.00% | −0.22 |
| SPEM State Street SP PTF Em ETF | Sold out | 0.00% | −0.22 |
| DFSI Dimensional Int Sus COR1 ETF | Sold out | 0.00% | −0.22 |
| DFLV Dim US Large Cap Value ETF | Sold out | 0.00% | −0.19 |
Portfolio Buys Q3 2025 → Q4 2025
| MSFT Microsoft Corp. | Add +3530.1% | 9.35% | +9.09 |
| AVUS Avantis U.S. Equity ETF | New | 5.78% | +5.78 |
| VTI VG Morningstar TS MKT ETF-US | Add +40.9% | 15.35% | +5.45 |
| AAPL Apple Inc. | Add +720.3% | 5.13% | +4.58 |
| QQQ Invesco QQQ Trust Series 1 | New | 3.77% | +3.77 |
| DFAI Dimensional International Co. | Add +1253.3% | 3.78% | +3.53 |
| OKTA Okta Inc. | New | 3.38% | +3.38 |
| TFLR T Rowe Price Floating RT ETF | New | 3.22% | +3.22 |
| DFAU Dimensional US Core Equity M | New | 3.15% | +3.15 |
| SPY SS SPDR S&P 500 ETF Trust-US | Add +732.5% | 2.75% | +2.45 |
| VOO Vanguard S&P 500 ETF | New | 2.25% | +2.25 |
| BAPR Innovator U.S. Equity Buffer | New | 1.60% | +1.60 |
| DVY iShares Select Dividend ETF | New | 1.58% | +1.58 |
| BDEC Innovator U.S. Equity Buffer | New | 1.54% | +1.54 |
| BFEB Innovator U.S. Equity Buffer | New | 1.39% | +1.39 |
| VO Vngrd Mrngstr MD-Cap ETF-Usd | Add +962.2% | 1.40% | +1.28 |
| BNOV Innovator U.S. Equity Buffer | New | 1.22% | +1.22 |
| BRK.B Berkshire Hathaway Inc. Class B | New | 1.21% | +1.21 |
| STGW Stagwell Inc. | New | 1.21% | +1.21 |
| BJUL Innovator U.S. Equity Buffer | New | 1.14% | +1.14 |
| VDE Vanguard Energy ETF | New | 1.13% | +1.13 |
| IQLT iShares MSCI International Q | New | 1.11% | +1.11 |
| SCZ iShares MSCI Eafe Small-Cap | Add +76.0% | 2.26% | +1.08 |
| BMAR Innovator U.S. Equity Buffer | New | 1.07% | +1.07 |
| VYM Vanguard High DVD Yield ETF | New | 1.03% | +1.03 |
| SPYM Ste STR SPDR PT S&P 500 ETF | New | 1.01% | +1.01 |
| BJAN Innovator U.S. Equity Buffer | New | 0.96% | +0.96 |
| NVDA Nvidia Corp. | Add +314.3% | 1.18% | +0.91 |
| NJAN Innovator Growth 100 Power B | New | 0.89% | +0.89 |
| IJAN Innovator International Deve | New | 0.85% | +0.85 |
| AMJB Alerian MLP ETN2044 | New | 0.78% | +0.78 |
| ITOT iShares Core S&P Total U.S. | New | 0.76% | +0.76 |
| SCHD Schwab US DVD Equity ETF | New | 0.69% | +0.69 |
| IYH iShares U.S. Healthcare ETF | New | 0.67% | +0.67 |
| AMAT Applied Materials Inc. | New | 0.63% | +0.63 |
| AMD Advanced Micro Devices | New | 0.55% | +0.55 |
| BOCT Innovator U.S. Equity Buffer | New | 0.53% | +0.53 |
| BSEP Innovator U.S. Equity Buffer | New | 0.49% | +0.49 |
| ESGV Vanguard ESG US Stock ETF | New | 0.47% | +0.47 |
| BJUN Innovator U.S. Equity Buffer | New | 0.40% | +0.40 |
| EJAN Innovator Emerging Markets P | New | 0.38% | +0.38 |
| SCHF Schwab Intl Equity ETF | New | 0.29% | +0.29 |
| IBB iShares Biotechnology ETF | New | 0.29% | +0.29 |
| XLK SS Technology Select Sector | New | 0.29% | +0.29 |
| VGSH Vanguard Short-Term Treasury | New | 0.29% | +0.29 |
| META Meta Platforms Inc. Class A | Add +299.7% | 0.38% | +0.28 |
| BMAY Innovator U.S. Equity Buffer | New | 0.24% | +0.24 |
| IWR iShares Russell Mid-Cap ETF | New | 0.23% | +0.23 |
| BND Vanguard Total Bond Market | Add +188.9% | 0.31% | +0.21 |
| PJAN Innovator U.S. Equity Power | New | 0.20% | +0.20 |
All Filings
| Quarter | Positions | 13F Reported Value | Top Holdings |
|---|---|---|---|
| Q2 2026 | 91 | $256.2M | VTI, MSFT, DFAI, AVUS, AAPL |
| Q1 2026 | 88 | $228.4M | VTI, MSFT, AVUS, DFAI, AAPL |
| Q4 2025 | 93 | $239.7M | VTI, MSFT, AVUS, AAPL, DFAI |
| Q3 2025 | 94 | $258.2M | VTI, VCIT, IVV, VCSH, DFAC |
| Q2 2025 | 92 | $220.0M | VTI, MSFT, AVUS, AAPL, OKTA |
| Q1 2025 | 87 | $198.5M | VTI, MSFT, AVUS, AAPL, OKTA |
| Q4 2024 | 88 | $195.0M | VTI, MSFT, AVUS, OKTA, QQQ |
| Q3 2024 | 88 | $182.4M | VTI, MSFT, AVUS, OKTA, QQQ |
| Q2 2024 | 101 | $187.3M | VTI, MSFT, OKTA, AVUS, STGW |
| Q1 2024 | 97 | $173.5M | VTI, OKTA, MSFT, AVUS, STGW |