OLIO Financial Planning
In its 13F for Q4 2024 (holdings as of December 31, 2024, filed January 21, 2025), OLIO Financial Planning reported 59 stock positions worth $284.7 million. Its top holding was Vanguard Mrngstr Val ETF-Aui (VTV) at 16.8% of the portfolio, followed by Dimensional US Eq MKT ETF (DFUS, 14.9%) and VG Morningstar TS MKT ETF-US (VTI, 14.7%). Compared with Q3 2024, it opened 15 new positions, sold out of 8, added to 18 and reduced 23. The biggest buy was Dimensional US Eq MKT ETF (DFUS, shares +230%) and the biggest sale Vanguard Intermediate-Term B (BIV, shares −84%).
- Most Recent 13F
- Q2 2026
- Location
- MCLEAN, VA
- CIK
- 0001906766
- Portfolio Value
- $284.7M (Q4 2024)
- SEC Filing
- 0001085146-25-000386 ↗ filed Jan 21, 2025
Holdings Value
Holdings 59 stocks · $284.7M
| VTV Vanguard Mrngstr Val ETF-Aui | 16.77% | 282,070 | $47.8M | Add +60.7% |
| DFUS Dimensional US Eq MKT ETF | 14.89% | 665,186 | $42.4M | Add +229.8% |
| VTI VG Morningstar TS MKT ETF-US | 14.69% | 144,279 | $41.8M | Reduce -37.2% |
| VEA Vanguard Ftse Developed ETF | 12.77% | 760,169 | $36.4M | Add +23.4% |
| FBND Fidelity Total Bond ETF | 12.07% | 765,888 | $34.4M | Add +584.5% |
| VOE Vngrd Mrngstr MD-Cap Val ETF | 4.74% | 83,442 | $13.5M | Add +24.4% |
| DFAT Dimensional US Target Value | 3.23% | 165,201 | $9.2M | Add +281.2% |
| VEU Vanguard Ftse All-World Ex-U | 2.54% | 125,986 | $7.2M | Add +32.7% |
| SCHD Schwab US DVD Equity ETF | 1.58% | 164,378 | $4.5M | Add +6.5% |
| BIV Vanguard Intermediate-Term B | 1.52% | 58,051 | $4.3M | Reduce -83.5% |
| VTEB Vanguard Tax-Exempt Bond ETF | 1.21% | 68,918 | $3.5M | Reduce -7.7% |
| VBR Vngrd Mrngst SL-CP Val ETF-U | 1.18% | 16,935 | $3.4M | Reduce -57.6% |
| BSV Vanguard Short-Term Bond ETF | 1.03% | 37,989 | $2.9M | Reduce -76.2% |
| VWO Vanguard Ftse Emerging Marke | 0.77% | 49,663 | $2.2M | Reduce -37.8% |
| AAPL Apple Inc. | 0.75% | 8,485 | $2.1M | Reduce -19.6% |
| SCHE Schwab Emrg Mrkts Eqty ETF | 0.67% | 72,083 | $1.9M | Reduce -70.8% |
| ESGU iShares ESG Aware MSCI USA | 0.64% | 14,239 | $1.8M | Reduce -20.9% |
| ESGD iShares Trust iShares ESG Aw | 0.63% | 23,602 | $1.8M | Add +18.4% |
| SPEM State Street SP PTF Em ETF | 0.58% | 43,088 | $1.7M | New |
| VXUS Vanguard Total Intl Stock | 0.53% | 25,639 | $1.5M | Reduce -9.1% |
| SPSB SS SPDR P St C Corp. ETF | 0.52% | 50,043 | $1.5M | New |
| BAH Booz Allen Hamilton Holdings | 0.51% | 11,334 | $1.5M | Reduce -18.9% |
| VO Vngrd Mrngstr MD-Cap ETF-Usd | 0.49% | 5,279 | $1.4M | Add +4.6% |
| AMZN Amazon.com Inc. | 0.35% | 4,481 | $983K | Reduce -7.0% |
| BRK.B Berkshire Hathaway Inc. Class B | 0.34% | 2,133 | $967K | Add +0.5% |
| VOO Vanguard S&P 500 ETF | 0.26% | 1,367 | $737K | Add +8.9% |
| SPTM SS SPDR P S&P 1500 Comp ETF | 0.25% | 10,142 | $724K | Reduce -13.4% |
| EMXC iShares MSCI Emr MRK Ex Chna | 0.25% | 12,766 | $708K | Add +31.7% |
| ESGE iShares Inc. iShares ESG Awar | 0.24% | 20,052 | $670K | Add +13.4% |
| QQQ Invesco QQQ Trust Series 1 | 0.22% | 1,250 | $639K | Reduce -1.2% |
| NVDA Nvidia Corp. | 0.21% | 4,546 | $610K | New |
| SCHB Schwab US Broad Market ETF | 0.20% | 25,676 | $583K | Reduce -13.3% |
| GOOG Alphabet Inc. Class C | 0.20% | 2,953 | $562K | New |
| JPM JPMorgan Chase & Co. | 0.19% | 2,274 | $545K | New |
| MUB iShares National Muni Bond E | 0.19% | 4,971 | $530K | Reduce -42.0% |
| MSFT Microsoft Corp. | 0.18% | 1,211 | $510K | Add +5.0% |
| AEG Aegon Ltd.-NY Reg SHR | 0.17% | 84,149 | $496K | New |
| GOOD Gladstone Commercial Corp. | 0.17% | 29,050 | $472K | Reduce -50.0% |
| ITOT iShares Core S&P Total U.S. | 0.16% | 3,588 | $461K | New |
| IVV iShares Core S&P 500 ETF | 0.15% | 749 | $441K | Reduce -18.4% |
| CSL Carlisle Cos Inc. | 0.15% | 1,196 | $441K | New |
| XOM Exxon Mobil Corp. | 0.14% | 3,681 | $396K | New |
| GLD SPDR Gold Shares | 0.13% | 1,553 | $376K | No change |
| NSC Norfolk Southern Corp. | 0.13% | 1,544 | $362K | Add +52.7% |
| ESML iShares ESG Aware MSCI USA S | 0.11% | 7,757 | $326K | New |
| META Meta Platforms Inc. Class A | 0.11% | 545 | $319K | New |
| D Dominion Energy Inc. | 0.11% | 5,828 | $314K | Add +2.7% |
| VB Vanguard Most SM-Cap ETF-Usd | 0.11% | 1,297 | $312K | Reduce -35.3% |
| XLK SS Technology Select Sector | 0.11% | 1,294 | $301K | No change |
| TENB Tenable Holdings Inc. | 0.10% | 7,500 | $295K | No change |
| JMST JPM Ultra-Short Muni Income filed as J P MORGAN EXCHANGE TRADED F | 0.10% | 5,743 | $291K | Reduce -5.4% |
| MCO Moody's Corp. | 0.10% | 574 | $272K | Reduce -73.0% |
| RTX RTX Corp. | 0.09% | 2,248 | $260K | New |
| TSLA Tesla Inc. | 0.09% | 642 | $259K | Reduce -26.7% |
| COST Costco Wholesale Corp. | 0.09% | 279 | $256K | New |
| SPDW Ste STR SPDR PT DW Eu ETF | 0.09% | 7,440 | $254K | Reduce -5.2% |
| DFUV Dimensional US Marketwide Va | 0.08% | 5,794 | $237K | Add +1.7% |
| KR Kroger Co. | 0.07% | 3,426 | $210K | New |
| LOAN Manhattan Bridge Capital Inc. | 0.01% | 20,903 | $21K | New |
Portfolio Sells Q3 2024 → Q4 2024
| BIV Vanguard Intermediate-Term B | Reduce -83.5% | 1.52% | −9.80 |
| VTI VG Morningstar TS MKT ETF-US | Reduce -37.2% | 14.69% | −8.33 |
| BSV Vanguard Short-Term Bond ETF | Reduce -76.2% | 1.03% | −4.13 |
| SCHE Schwab Emrg Mrkts Eqty ETF | Reduce -70.8% | 0.67% | −1.89 |
| VBR Vngrd Mrngst SL-CP Val ETF-U | Reduce -57.6% | 1.18% | −1.88 |
| SCHP Schwab U.S. Tips ETF | Sold out | 0.00% | −1.53 |
| IEF iShares 7-10 Year Treasury B | Sold out | 0.00% | −1.28 |
| VWO Vanguard Ftse Emerging Marke | Reduce -37.8% | 0.77% | −0.61 |
| BND Vanguard Total Bond Market | Sold out | 0.00% | −0.58 |
| VTEB Vanguard Tax-Exempt Bond ETF | Reduce -7.7% | 1.21% | −0.39 |
| MCO Moody's Corp. | Reduce -73.0% | 0.10% | −0.25 |
| BAH Booz Allen Hamilton Holdings | Reduce -18.9% | 0.51% | −0.24 |
| MUB iShares National Muni Bond E | Reduce -42.0% | 0.19% | −0.20 |
| BWMN Bowman Consulting Group Ltd. | Sold out | 0.00% | −0.20 |
| GOOD Gladstone Commercial Corp. | Reduce -50.0% | 0.17% | −0.16 |
| VXUS Vanguard Total Intl Stock | Reduce -9.1% | 0.53% | −0.16 |
| ESGU iShares ESG Aware MSCI USA | Reduce -20.9% | 0.64% | −0.15 |
| LDOS Leidos Holdings Inc. | Sold out | 0.00% | −0.13 |
| AAPL Apple Inc. | Reduce -19.6% | 0.75% | −0.11 |
| SUB iShares Short-Term National | Sold out | 0.00% | −0.09 |
| SAIC Science Applications Inte | Sold out | 0.00% | −0.09 |
| VB Vanguard Most SM-Cap ETF-Usd | Reduce -35.3% | 0.11% | −0.07 |
| SMRT Smartrent Inc. | Sold out | 0.00% | −0.04 |
| SPTM SS SPDR P S&P 1500 Comp ETF | Reduce -13.4% | 0.25% | −0.03 |
| IVV iShares Core S&P 500 ETF | Reduce -18.4% | 0.15% | −0.03 |
| SCHB Schwab US Broad Market ETF | Reduce -13.3% | 0.20% | −0.03 |
| JMST JPM Ultra-Short Muni Income | Reduce -5.4% | 0.10% | −0.03 |
| SPDW Ste STR SPDR PT DW Eu ETF | Reduce -5.2% | 0.09% | −0.02 |
| TSLA Tesla Inc. | Reduce -26.7% | 0.09% | −0.00 |
| QQQ Invesco QQQ Trust Series 1 | Reduce -1.2% | 0.22% | +0.01 |
| AMZN Amazon.com Inc. | Reduce -7.0% | 0.35% | +0.03 |
Portfolio Buys Q3 2024 → Q4 2024
| DFUS Dimensional US Eq MKT ETF | Add +229.8% | 14.89% | +10.48 |
| FBND Fidelity Total Bond ETF | Add +584.5% | 12.07% | +9.90 |
| VTV Vanguard Mrngstr Val ETF-Aui | Add +60.7% | 16.77% | +5.71 |
| DFAT Dimensional US Target Value | Add +281.2% | 3.23% | +2.27 |
| VOE Vngrd Mrngstr MD-Cap Val ETF | Add +24.4% | 4.74% | +0.64 |
| SPEM State Street SP PTF Em ETF | New | 0.58% | +0.58 |
| SPSB SS SPDR P St C Corp. ETF | New | 0.52% | +0.52 |
| VEA Vanguard Ftse Developed ETF | Add +23.4% | 12.77% | +0.35 |
| VEU Vanguard Ftse All-World Ex-U | Add +32.7% | 2.54% | +0.30 |
| NVDA Nvidia Corp. | New | 0.21% | +0.21 |
| GOOG Alphabet Inc. Class C | New | 0.20% | +0.20 |
| JPM JPMorgan Chase & Co. | New | 0.19% | +0.19 |
| AEG Aegon Ltd.-NY Reg SHR | New | 0.17% | +0.17 |
| ITOT iShares Core S&P Total U.S. | New | 0.16% | +0.16 |
| CSL Carlisle Cos Inc. | New | 0.15% | +0.15 |
| XOM Exxon Mobil Corp. | New | 0.14% | +0.14 |
| ESML iShares ESG Aware MSCI USA S | New | 0.11% | +0.11 |
| META Meta Platforms Inc. Class A | New | 0.11% | +0.11 |
| RTX RTX Corp. | New | 0.09% | +0.09 |
| COST Costco Wholesale Corp. | New | 0.09% | +0.09 |
| KR Kroger Co. | New | 0.07% | +0.07 |
| VOO Vanguard S&P 500 ETF | Add +8.9% | 0.26% | +0.03 |
| NSC Norfolk Southern Corp. | Add +52.7% | 0.13% | +0.03 |
| EMXC iShares MSCI Emr MRK Ex Chna | Add +31.7% | 0.25% | +0.02 |
| BRK.B Berkshire Hathaway Inc. Class B | Add +0.5% | 0.34% | +0.02 |
| LOAN Manhattan Bridge Capital Inc. | New | 0.01% | +0.01 |
| D Dominion Energy Inc. | Add +2.7% | 0.11% | −0.00 |
| ESGD iShares Trust iShares ESG Aw | Add +18.4% | 0.63% | −0.00 |
| MSFT Microsoft Corp. | Add +5.0% | 0.18% | −0.00 |
| ESGE iShares Inc. iShares ESG Awar | Add +13.4% | 0.24% | −0.00 |
| DFUV Dimensional US Marketwide Va | Add +1.7% | 0.08% | −0.01 |
| VO Vngrd Mrngstr MD-Cap ETF-Usd | Add +4.6% | 0.49% | −0.01 |
| SCHD Schwab US DVD Equity ETF | Add +6.5% | 1.58% | −0.07 |
All Filings
| Quarter | Positions | 13F Reported Value | Top Holdings |
|---|---|---|---|
| Q2 2026 | 68 | $403.1M | VTV, DFUS, VEA, FBND, VTI |
| Q1 2026 | 72 | $361.0M | VTV, DFUS, VEA, FBND, VTI |
| Q4 2025 | 71 | $356.5M | DFUS, VTV, VEA, FBND, VTI |
| Q3 2025 | 67 | $340.9M | DFUS, VTV, VEA, FBND, VTI |
| Q2 2025 | 64 | $317.1M | DFUS, VTV, VEA, FBND, VTI |
| Q1 2025 | 59 | $289.3M | VTV, DFUS, VEA, FBND, VTI |
| Q4 2024 | 59 | $284.7M | VTV, DFUS, VTI, VEA, FBND |
| Q3 2024 | 52 | $237.7M | VTI, VEA, BIV, VTV, BSV |
| Q2 2024 | 52 | $237.1M | VTI, VEA, BIV, VTV, BSV |
| Q1 2024 | 52 | $237.7M | VTI, VEA, BIV, VTV, BSV |