OLIO Financial Planning
In its 13F for Q4 2025 (holdings as of December 31, 2025, filed January 21, 2026), OLIO Financial Planning reported 71 stock positions worth $356.5 million. Its top holding was Dimensional US Eq MKT ETF (DFUS) at 17.8% of the portfolio, followed by Vanguard Mrngstr Val ETF-Aui (VTV, 17.5%) and Vanguard Ftse Developed ETF (VEA, 14.5%). Compared with Q3 2025, it opened 8 new positions, sold out of 4, added to 30 and reduced 20. The biggest buy was Dimensional US Eq MKT ETF (DFUS, shares +4%) 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
- $356.5M (Q4 2025)
- SEC Filing
- 0001906766-26-000001 ↗ filed Jan 21, 2026
Holdings Value
Holdings 71 stocks · $356.5M
| DFUS Dimensional US Eq MKT ETF | 17.81% | 856,242 | $63.5M | Add +3.8% |
| VTV Vanguard Mrngstr Val ETF-Aui | 17.46% | 325,982 | $62.3M | Add +2.8% |
| VEA Vanguard Ftse Developed ETF | 14.48% | 826,598 | $51.6M | Add +1.9% |
| FBND Fidelity Total Bond ETF | 12.60% | 975,741 | $44.9M | Add +5.8% |
| VTI VG Morningstar TS MKT ETF-US | 11.17% | 118,730 | $39.8M | Reduce -4.5% |
| VOE Vngrd Mrngstr MD-Cap Val ETF | 4.86% | 97,602 | $17.3M | Add +3.9% |
| DFAT Dimensional US Target Value | 3.78% | 226,387 | $13.5M | Add +7.1% |
| VEU Vanguard Ftse All-World Ex-U | 2.96% | 143,360 | $10.5M | Add +2.0% |
| SCHD Schwab US DVD Equity ETF | 1.23% | 159,440 | $4.4M | Add +0.6% |
| VTEB Vanguard Tax-Exempt Bond ETF | 1.20% | 85,142 | $4.3M | Add +3.1% |
| SPEM State Street SP PTF Em ETF | 0.89% | 67,587 | $3.2M | Add +6.3% |
| VBR Vngrd Mrngst SL-CP Val ETF-U | 0.83% | 14,048 | $3.0M | Reduce -5.3% |
| AAPL Apple Inc. | 0.79% | 10,367 | $2.8M | Add +25.2% |
| SPSB SS SPDR P St C Corp. ETF | 0.65% | 76,703 | $2.3M | Add +4.0% |
| VWO Vanguard Ftse Emerging Marke | 0.61% | 40,726 | $2.2M | Reduce -1.1% |
| ESGD iShares Trust iShares ESG Aw | 0.60% | 22,574 | $2.1M | Add +4.4% |
| VXUS Vanguard Total Intl Stock | 0.48% | 22,843 | $1.7M | Reduce -0.7% |
| ESGU iShares ESG Aware MSCI USA | 0.42% | 10,084 | $1.5M | Add +18.2% |
| VO Vngrd Mrngstr MD-Cap ETF-Usd | 0.40% | 4,866 | $1.4M | Add +1.1% |
| SCHE Schwab Emrg Mrkts Eqty ETF | 0.37% | 39,868 | $1.3M | Reduce -11.5% |
| BRK.B Berkshire Hathaway Inc. Class B | 0.27% | 1,949 | $980K | Reduce -4.1% |
| JMST JPM Ultra-Short Muni Income filed as J P MORGAN EXCHANGE TRADED F | 0.27% | 18,564 | $946K | Add +10.1% |
| AMZN Amazon.com Inc. | 0.25% | 3,837 | $886K | Add +1.3% |
| EMXC iShares MSCI Emr MRK Ex Chna | 0.25% | 12,080 | $878K | No change |
| VOO Vanguard S&P 500 ETF | 0.24% | 1,366 | $856K | No change |
| ESGE iShares Inc. iShares ESG Awar | 0.24% | 19,251 | $850K | Reduce -0.7% |
| SPTM SS SPDR P S&P 1500 Comp ETF | 0.23% | 10,142 | $837K | No change |
| NVDA Nvidia Corp. | 0.20% | 3,823 | $713K | Reduce -10.2% |
| QQQ Invesco QQQ Trust Series 1 | 0.19% | 1,086 | $667K | Add +38.0% |
| ISRG Intuitive Surgical Inc. | 0.19% | 1,175 | $665K | No change |
| JPM JPMorgan Chase & Co. | 0.19% | 2,056 | $662K | Reduce -1.8% |
| SCHB Schwab US Broad Market ETF | 0.18% | 24,779 | $650K | Reduce -0.0% |
| GLD SPDR Gold Shares | 0.18% | 1,611 | $638K | Add +3.6% |
| MSFT Microsoft Corp. | 0.16% | 1,208 | $584K | Add +2.2% |
| IVV iShares Core S&P 500 ETF | 0.16% | 831 | $569K | No change |
| BAH Booz Allen Hamilton Holdings | 0.16% | 6,741 | $569K | Reduce -4.4% |
| AEG Aegon Ltd.-NY Reg SHR | 0.15% | 71,009 | $547K | Reduce -15.6% |
| MUB iShares National Muni Bond E | 0.15% | 4,936 | $529K | No change |
| ESML iShares ESG Aware MSCI USA S | 0.15% | 11,322 | $521K | Add +2.7% |
| ITOT iShares Core S&P Total U.S. | 0.14% | 3,237 | $481K | Reduce -9.8% |
| NSC Norfolk Southern Corp. | 0.13% | 1,653 | $477K | Add +0.4% |
| META Meta Platforms Inc. Class A | 0.13% | 694 | $458K | Add +3.4% |
| GOOG Alphabet Inc. Class C | 0.12% | 1,325 | $416K | Reduce -30.1% |
| RTX RTX Corp. | 0.12% | 2,257 | $414K | No change |
| D Dominion Energy Inc. | 0.11% | 6,541 | $383K | Add +1.0% |
| CSL Carlisle Cos Inc. | 0.11% | 1,196 | $383K | No change |
| SUSA iShares ESG Optimized MSCI U | 0.10% | 2,547 | $355K | Add +11.1% |
| XOM Exxon Mobil Corp. | 0.10% | 2,890 | $348K | Reduce -0.1% |
| SPDW Ste STR SPDR PT DW Eu ETF | 0.10% | 7,781 | $346K | Add +0.3% |
| XLK SS Technology Select Sector | 0.09% | 2,272 | $327K | Reduce -12.2% |
| GOOGL Alphabet Inc. Class A | 0.09% | 1,038 | $325K | New |
| GOOD Gladstone Commercial Corp. | 0.09% | 29,050 | $310K | No change |
| LOAN Manhattan Bridge Capital Inc. | 0.09% | 65,875 | $306K | Reduce -4.7% |
| MCO Moody's Corp. | 0.08% | 574 | $293K | No change |
| SPY SS SPDR S&P 500 ETF Trust-US | 0.08% | 426 | $290K | No change |
| IBIT iShares Bitcoin Trust ETF | 0.07% | 5,375 | $267K | Add +26.2% |
| CVX Chevron Corp. | 0.07% | 1,727 | $263K | New |
| SAIC Science Applications Inte | 0.07% | 2,615 | $263K | New |
| COST Costco Wholesale Corp. | 0.07% | 279 | $240K | Add +0.7% |
| AMD Advanced Micro Devices | 0.07% | 1,118 | $239K | New |
| LDOS Leidos Holdings Inc. | 0.07% | 1,303 | $235K | Reduce -10.6% |
| SPAB SS SPDR P Agg Bond ETF | 0.06% | 8,777 | $226K | No change |
| WMT Walmart Inc. | 0.06% | 2,022 | $225K | New |
| DFUV Dimensional US Marketwide Va | 0.06% | 4,831 | $225K | Add +0.3% |
| RSPT Invesco S&P 500 Equal Weight | 0.06% | 4,937 | $225K | No change |
| KR Kroger Co. | 0.06% | 3,435 | $215K | Add +0.1% |
| BSV Vanguard Short-Term Bond ETF | 0.06% | 2,665 | $210K | Reduce -38.3% |
| TSLA Tesla Inc. | 0.06% | 466 | $210K | Reduce -17.7% |
| CSX CSX Corp. | 0.06% | 5,600 | $203K | New |
| SMRT Smartrent Inc. | 0.02% | 31,086 | $63K | New |
| NAK Northern Dynasty Minerals | 0.01% | 22,420 | $44K | New |
Portfolio Sells Q3 2025 → Q4 2025
| VTI VG Morningstar TS MKT ETF-US | Reduce -4.5% | 11.17% | −0.80 |
| BIV Vanguard Intermediate-Term B | Sold out | 0.00% | −0.17 |
| SCHE Schwab Emrg Mrkts Eqty ETF | Reduce -11.5% | 0.37% | −0.07 |
| VBR Vngrd Mrngst SL-CP Val ETF-U | Reduce -5.3% | 0.83% | −0.07 |
| NFLX Netflix Inc. | Sold out | 0.00% | −0.07 |
| TENB Tenable Holdings Inc. | Sold out | 0.00% | −0.06 |
| VB Vanguard Most SM-Cap ETF-Usd | Sold out | 0.00% | −0.06 |
| BAH Booz Allen Hamilton Holdings | Reduce -4.4% | 0.16% | −0.05 |
| AEG Aegon Ltd.-NY Reg SHR | Reduce -15.6% | 0.15% | −0.04 |
| BSV Vanguard Short-Term Bond ETF | Reduce -38.3% | 0.06% | −0.04 |
| VWO Vanguard Ftse Emerging Marke | Reduce -1.1% | 0.61% | −0.04 |
| NVDA Nvidia Corp. | Reduce -10.2% | 0.20% | −0.03 |
| BRK.B Berkshire Hathaway Inc. Class B | Reduce -4.1% | 0.27% | −0.02 |
| GOOG Alphabet Inc. Class C | Reduce -30.1% | 0.12% | −0.02 |
| ITOT iShares Core S&P Total U.S. | Reduce -9.8% | 0.14% | −0.02 |
| XLK SS Technology Select Sector | Reduce -12.2% | 0.09% | −0.02 |
| TSLA Tesla Inc. | Reduce -17.7% | 0.06% | −0.02 |
| LDOS Leidos Holdings Inc. | Reduce -10.6% | 0.07% | −0.01 |
| VXUS Vanguard Total Intl Stock | Reduce -0.7% | 0.48% | −0.01 |
| ESGE iShares Inc. iShares ESG Awar | Reduce -0.7% | 0.24% | −0.01 |
| JPM JPMorgan Chase & Co. | Reduce -1.8% | 0.19% | −0.01 |
| SCHB Schwab US Broad Market ETF | Reduce -0.0% | 0.18% | −0.00 |
| XOM Exxon Mobil Corp. | Reduce -0.1% | 0.10% | +0.00 |
| LOAN Manhattan Bridge Capital Inc. | Reduce -4.7% | 0.09% | +0.07 |
Portfolio Buys Q3 2025 → Q4 2025
| DFUS Dimensional US Eq MKT ETF | Add +3.8% | 17.81% | +0.29 |
| VEA Vanguard Ftse Developed ETF | Add +1.9% | 14.48% | +0.23 |
| AAPL Apple Inc. | Add +25.2% | 0.79% | +0.17 |
| DFAT Dimensional US Target Value | Add +7.1% | 3.78% | +0.17 |
| VTV Vanguard Mrngstr Val ETF-Aui | Add +2.8% | 17.46% | +0.11 |
| GOOGL Alphabet Inc. Class A | New | 0.09% | +0.09 |
| FBND Fidelity Total Bond ETF | Add +5.8% | 12.60% | +0.09 |
| CVX Chevron Corp. | New | 0.07% | +0.07 |
| SAIC Science Applications Inte | New | 0.07% | +0.07 |
| AMD Advanced Micro Devices | New | 0.07% | +0.07 |
| WMT Walmart Inc. | New | 0.06% | +0.06 |
| ESGU iShares ESG Aware MSCI USA | Add +18.2% | 0.42% | +0.06 |
| CSX CSX Corp. | New | 0.06% | +0.06 |
| QQQ Invesco QQQ Trust Series 1 | Add +38.0% | 0.19% | +0.05 |
| VOE Vngrd Mrngstr MD-Cap Val ETF | Add +3.9% | 4.86% | +0.05 |
| SMRT Smartrent Inc. | New | 0.02% | +0.02 |
| GLD SPDR Gold Shares | Add +3.6% | 0.18% | +0.02 |
| VEU Vanguard Ftse All-World Ex-U | Add +2.0% | 2.96% | +0.01 |
| SPEM State Street SP PTF Em ETF | Add +6.3% | 0.89% | +0.01 |
| JMST JPM Ultra-Short Muni Income | Add +10.1% | 0.27% | +0.01 |
| ESGD iShares Trust iShares ESG Aw | Add +4.4% | 0.60% | +0.01 |
| NAK Northern Dynasty Minerals | New | 0.01% | +0.01 |
| SUSA iShares ESG Optimized MSCI U | Add +11.1% | 0.10% | +0.01 |
| AMZN Amazon.com Inc. | Add +1.3% | 0.25% | +0.00 |
| ESML iShares ESG Aware MSCI USA S | Add +2.7% | 0.15% | +0.00 |
| DFUV Dimensional US Marketwide Va | Add +0.3% | 0.06% | 0.00 |
| SPDW Ste STR SPDR PT DW Eu ETF | Add +0.3% | 0.10% | −0.00 |
| SPSB SS SPDR P St C Corp. ETF | Add +4.0% | 0.65% | −0.01 |
| IBIT iShares Bitcoin Trust ETF | Add +26.2% | 0.07% | −0.01 |
| COST Costco Wholesale Corp. | Add +0.7% | 0.07% | −0.01 |
| KR Kroger Co. | Add +0.1% | 0.06% | −0.01 |
| D Dominion Energy Inc. | Add +1.0% | 0.11% | −0.01 |
| NSC Norfolk Southern Corp. | Add +0.4% | 0.13% | −0.01 |
| VTEB Vanguard Tax-Exempt Bond ETF | Add +3.1% | 1.20% | −0.01 |
| MSFT Microsoft Corp. | Add +2.2% | 0.16% | −0.02 |
| META Meta Platforms Inc. Class A | Add +3.4% | 0.13% | −0.02 |
| VO Vngrd Mrngstr MD-Cap ETF-Usd | Add +1.1% | 0.40% | −0.02 |
| SCHD Schwab US DVD Equity ETF | Add +0.6% | 1.23% | −0.04 |
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 |