OLIO Financial Planning
In its 13F for Q3 2025 (holdings as of September 30, 2025, filed October 16, 2025), OLIO Financial Planning reported 67 stock positions worth $340.9 million. Its top holding was Dimensional US Eq MKT ETF (DFUS) at 17.5% of the portfolio, followed by Vanguard Mrngstr Val ETF-Aui (VTV, 17.4%) and Vanguard Ftse Developed ETF (VEA, 14.3%). Compared with Q2 2025, it opened 3 new positions, added to 24 and reduced 26. The biggest buy was Vanguard Mrngstr Val ETF-Aui (VTV, shares +5%) and the biggest sale VG Morningstar TS MKT ETF-US (VTI, shares −4%).
- Most Recent 13F
- Q2 2026
- Location
- MCLEAN, VA
- CIK
- 0001906766
- Portfolio Value
- $340.9M (Q3 2025)
- SEC Filing
- 0001906766-25-000002 ↗ filed Oct 16, 2025
Holdings Value
Holdings 67 stocks · $340.9M
| DFUS Dimensional US Eq MKT ETF | 17.53% | 824,792 | $59.7M | Add +1.8% |
| VTV Vanguard Mrngstr Val ETF-Aui | 17.35% | 317,127 | $59.1M | Add +4.6% |
| VEA Vanguard Ftse Developed ETF | 14.26% | 810,999 | $48.6M | Add +2.1% |
| FBND Fidelity Total Bond ETF | 12.51% | 922,423 | $42.7M | Add +4.3% |
| VTI VG Morningstar TS MKT ETF-US | 11.97% | 124,300 | $40.8M | Reduce -4.3% |
| VOE Vngrd Mrngstr MD-Cap Val ETF | 4.81% | 93,902 | $16.4M | Add +5.2% |
| DFAT Dimensional US Target Value | 3.61% | 211,407 | $12.3M | Add +7.6% |
| VEU Vanguard Ftse All-World Ex-U | 2.94% | 140,572 | $10.0M | Reduce -4.6% |
| SCHD Schwab US DVD Equity ETF | 1.27% | 158,540 | $4.3M | Add +2.5% |
| VTEB Vanguard Tax-Exempt Bond ETF | 1.21% | 82,605 | $4.1M | Reduce -13.5% |
| VBR Vngrd Mrngst SL-CP Val ETF-U | 0.91% | 14,834 | $3.1M | Reduce -2.9% |
| SPEM State Street SP PTF Em ETF | 0.87% | 63,592 | $3.0M | Reduce -4.4% |
| SPSB SS SPDR P St C Corp. ETF | 0.66% | 73,728 | $2.2M | Reduce -1.4% |
| VWO Vanguard Ftse Emerging Marke | 0.65% | 41,185 | $2.2M | Reduce -0.8% |
| AAPL Apple Inc. | 0.62% | 8,280 | $2.1M | Reduce -1.1% |
| ESGD iShares Trust iShares ESG Aw | 0.59% | 21,619 | $2.0M | Reduce -8.9% |
| VXUS Vanguard Total Intl Stock | 0.50% | 22,995 | $1.7M | Reduce -1.9% |
| SCHE Schwab Emrg Mrkts Eqty ETF | 0.44% | 45,043 | $1.5M | Reduce -3.0% |
| VO Vngrd Mrngstr MD-Cap ETF-Usd | 0.41% | 4,811 | $1.4M | Add +7.3% |
| ESGU iShares ESG Aware MSCI USA | 0.36% | 8,532 | $1.2M | Add +4.4% |
| BRK.B Berkshire Hathaway Inc. Class B | 0.30% | 2,032 | $1.0M | Reduce -0.4% |
| JMST JPM Ultra-Short Muni Income filed as J P MORGAN EXCHANGE TRADED F | 0.25% | 16,863 | $861K | Add +12.4% |
| ESGE iShares Inc. iShares ESG Awar | 0.25% | 19,390 | $842K | Reduce -3.6% |
| VOO Vanguard S&P 500 ETF | 0.25% | 1,366 | $837K | Add +0.7% |
| AMZN Amazon.com Inc. | 0.24% | 3,789 | $832K | Reduce -4.9% |
| SPTM SS SPDR P S&P 1500 Comp ETF | 0.24% | 10,142 | $818K | No change |
| EMXC iShares MSCI Emr MRK Ex Chna | 0.24% | 12,080 | $816K | Reduce -6.8% |
| NVDA Nvidia Corp. | 0.23% | 4,255 | $794K | Add +0.6% |
| BAH Booz Allen Hamilton Holdings | 0.21% | 7,053 | $705K | No change |
| AEG Aegon Ltd.-NY Reg SHR | 0.20% | 84,149 | $672K | No change |
| JPM JPMorgan Chase & Co. | 0.19% | 2,094 | $661K | Reduce -5.8% |
| SCHB Schwab US Broad Market ETF | 0.19% | 24,781 | $637K | Reduce 0.0% |
| MSFT Microsoft Corp. | 0.18% | 1,182 | $612K | Reduce -1.4% |
| BIV Vanguard Intermediate-Term B | 0.17% | 7,466 | $583K | Add +0.0% |
| IVV iShares Core S&P 500 ETF | 0.16% | 831 | $556K | Add +10.8% |
| GLD SPDR Gold Shares | 0.16% | 1,555 | $553K | Add +0.1% |
| MUB iShares National Muni Bond E | 0.15% | 4,936 | $526K | Reduce -0.4% |
| ISRG Intuitive Surgical Inc. | 0.15% | 1,175 | $525K | No change |
| ITOT iShares Core S&P Total U.S. | 0.15% | 3,588 | $523K | No change |
| ESML iShares ESG Aware MSCI USA S | 0.15% | 11,024 | $497K | Add +0.9% |
| NSC Norfolk Southern Corp. | 0.15% | 1,646 | $495K | Add +69.7% |
| META Meta Platforms Inc. Class A | 0.14% | 671 | $493K | Add +8.4% |
| QQQ Invesco QQQ Trust Series 1 | 0.14% | 787 | $472K | Reduce -36.4% |
| GOOG Alphabet Inc. Class C | 0.14% | 1,896 | $462K | Add +6.9% |
| D Dominion Energy Inc. | 0.12% | 6,477 | $396K | Add +0.2% |
| CSL Carlisle Cos Inc. | 0.12% | 1,196 | $393K | No change |
| RTX RTX Corp. | 0.11% | 2,257 | $378K | Add +0.3% |
| XLK SS Technology Select Sector | 0.11% | 1,294 | $365K | No change |
| GOOD Gladstone Commercial Corp. | 0.10% | 29,050 | $358K | No change |
| BSV Vanguard Short-Term Bond ETF | 0.10% | 4,322 | $341K | Reduce -1.0% |
| SPDW Ste STR SPDR PT DW Eu ETF | 0.10% | 7,758 | $332K | No change |
| XOM Exxon Mobil Corp. | 0.10% | 2,892 | $326K | Add +0.6% |
| SUSA iShares ESG Optimized MSCI U | 0.09% | 2,293 | $311K | No change |
| SPY SS SPDR S&P 500 ETF Trust-US | 0.08% | 426 | $284K | No change |
| IBIT iShares Bitcoin Trust ETF | 0.08% | 4,260 | $277K | New |
| LDOS Leidos Holdings Inc. | 0.08% | 1,457 | $275K | New |
| MCO Moody's Corp. | 0.08% | 574 | $274K | Reduce -21.4% |
| COST Costco Wholesale Corp. | 0.08% | 277 | $256K | Reduce -9.5% |
| TSLA Tesla Inc. | 0.07% | 566 | $252K | Reduce -15.5% |
| NFLX Netflix Inc. | 0.07% | 200 | $240K | No change |
| KR Kroger Co. | 0.07% | 3,433 | $231K | Add +0.1% |
| SPAB SS SPDR P Agg Bond ETF | 0.07% | 8,777 | $227K | Add +5.0% |
| RSPT Invesco S&P 500 Equal Weight | 0.06% | 4,937 | $220K | No change |
| TENB Tenable Holdings Inc. | 0.06% | 7,500 | $219K | No change |
| DFUV Dimensional US Marketwide Va | 0.06% | 4,814 | $215K | Reduce -17.6% |
| VB Vanguard Most SM-Cap ETF-Usd | 0.06% | 796 | $202K | New |
| LOAN Manhattan Bridge Capital Inc. | 0.02% | 69,108 | $69K | Reduce -5.1% |
Portfolio Sells Q2 2025 → Q3 2025
| VTI VG Morningstar TS MKT ETF-US | Reduce -4.3% | 11.97% | −0.49 |
| VTEB Vanguard Tax-Exempt Bond ETF | Reduce -13.5% | 1.21% | −0.26 |
| VEU Vanguard Ftse All-World Ex-U | Reduce -4.6% | 2.94% | −0.18 |
| ESGD iShares Trust iShares ESG Aw | Reduce -8.9% | 0.59% | −0.08 |
| QQQ Invesco QQQ Trust Series 1 | Reduce -36.4% | 0.14% | −0.08 |
| SPSB SS SPDR P St C Corp. ETF | Reduce -1.4% | 0.66% | −0.06 |
| MCO Moody's Corp. | Reduce -21.4% | 0.08% | −0.04 |
| VBR Vngrd Mrngst SL-CP Val ETF-U | Reduce -2.9% | 0.91% | −0.03 |
| AMZN Amazon.com Inc. | Reduce -4.9% | 0.24% | −0.03 |
| SPEM State Street SP PTF Em ETF | Reduce -4.4% | 0.87% | −0.02 |
| COST Costco Wholesale Corp. | Reduce -9.5% | 0.08% | −0.02 |
| EMXC iShares MSCI Emr MRK Ex Chna | Reduce -6.8% | 0.24% | −0.02 |
| VXUS Vanguard Total Intl Stock | Reduce -1.9% | 0.50% | −0.01 |
| DFUV Dimensional US Marketwide Va | Reduce -17.6% | 0.06% | −0.01 |
| BRK.B Berkshire Hathaway Inc. Class B | Reduce -0.4% | 0.30% | −0.01 |
| JPM JPMorgan Chase & Co. | Reduce -5.8% | 0.19% | −0.01 |
| MUB iShares National Muni Bond E | Reduce -0.4% | 0.15% | −0.01 |
| MSFT Microsoft Corp. | Reduce -1.4% | 0.18% | −0.01 |
| BSV Vanguard Short-Term Bond ETF | Reduce -1.0% | 0.10% | −0.01 |
| LOAN Manhattan Bridge Capital Inc. | Reduce -5.1% | 0.02% | −0.00 |
| ESGE iShares Inc. iShares ESG Awar | Reduce -3.6% | 0.25% | −0.00 |
| SCHE Schwab Emrg Mrkts Eqty ETF | Reduce -3.0% | 0.44% | −0.00 |
| SCHB Schwab US Broad Market ETF | Reduce 0.0% | 0.19% | +0.00 |
| TSLA Tesla Inc. | Reduce -15.5% | 0.07% | +0.01 |
| VWO Vanguard Ftse Emerging Marke | Reduce -0.8% | 0.65% | +0.01 |
| AAPL Apple Inc. | Reduce -1.1% | 0.62% | +0.08 |
Portfolio Buys Q2 2025 → Q3 2025
| VTV Vanguard Mrngstr Val ETF-Aui | Add +4.6% | 17.35% | +0.46 |
| DFUS Dimensional US Eq MKT ETF | Add +1.8% | 17.53% | +0.41 |
| DFAT Dimensional US Target Value | Add +7.6% | 3.61% | +0.27 |
| VOE Vngrd Mrngstr MD-Cap Val ETF | Add +5.2% | 4.81% | +0.18 |
| IBIT iShares Bitcoin Trust ETF | New | 0.08% | +0.08 |
| LDOS Leidos Holdings Inc. | New | 0.08% | +0.08 |
| NSC Norfolk Southern Corp. | Add +69.7% | 0.15% | +0.07 |
| VB Vanguard Most SM-Cap ETF-Usd | New | 0.06% | +0.06 |
| GOOG Alphabet Inc. Class C | Add +6.9% | 0.14% | +0.04 |
| NVDA Nvidia Corp. | Add +0.6% | 0.23% | +0.02 |
| VO Vngrd Mrngstr MD-Cap ETF-Usd | Add +7.3% | 0.41% | +0.02 |
| IVV iShares Core S&P 500 ETF | Add +10.8% | 0.16% | +0.02 |
| ESGU iShares ESG Aware MSCI USA | Add +4.4% | 0.36% | +0.02 |
| GLD SPDR Gold Shares | Add +0.1% | 0.16% | +0.01 |
| JMST JPM Ultra-Short Muni Income | Add +12.4% | 0.25% | +0.01 |
| RTX RTX Corp. | Add +0.3% | 0.11% | +0.01 |
| ESML iShares ESG Aware MSCI USA S | Add +0.9% | 0.15% | +0.00 |
| VOO Vanguard S&P 500 ETF | Add +0.7% | 0.25% | +0.00 |
| D Dominion Energy Inc. | Add +0.2% | 0.12% | +0.00 |
| META Meta Platforms Inc. Class A | Add +8.4% | 0.14% | +0.00 |
| SPAB SS SPDR P Agg Bond ETF | Add +5.0% | 0.07% | −0.00 |
| XOM Exxon Mobil Corp. | Add +0.6% | 0.10% | −0.00 |
| KR Kroger Co. | Add +0.1% | 0.07% | −0.01 |
| BIV Vanguard Intermediate-Term B | Add +0.0% | 0.17% | −0.01 |
| VEA Vanguard Ftse Developed ETF | Add +2.1% | 14.26% | −0.02 |
| SCHD Schwab US DVD Equity ETF | Add +2.5% | 1.27% | −0.02 |
| FBND Fidelity Total Bond ETF | Add +4.3% | 12.51% | −0.24 |
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 |