Opes Wealth Management LLC

In its 13F for Q4 2025 (holdings as of December 31, 2025, filed February 2, 2026), Opes Wealth Management LLC reported 144 stock positions worth $588.8 million. Its top holding was Apple (AAPL) at 17.3% of the portfolio, followed by Schwab Fndmn Intl LRG Co. ETF (FNDF, 5.5%) and iShares California Muni Bond (CMF, 4.3%). Compared with Q3 2025, it opened 4 new positions, sold out of 3, added to 66 and reduced 54. The biggest buy was a new position in Vanguard Short-Term Tips (VTIP) and the biggest sale iShares Core U.S. Aggregate (AGG, shares −94%).

Most Recent 13F
Q1 2026
Location
MENLO PARK, CA
CIK
0001766918
Portfolio Value
$588.8M (Q4 2025)
SEC Filing
0001766918-26-000001 ↗ filed Feb 2, 2026

Holdings Value

0$200.0M$400.0M$600.0M Q1 2024: $433.1M Q1 2024 Q2 2024: $479.2M Q2 2024 Q3 2024: $520.1M Q3 2024 Q4 2024: $487.7M Q4 2024 Q1 2025: $495.5M Q1 2025 Q2 2025: $563.2M Q2 2025 Q3 2025: $568.0M Q3 2025 Q4 2025: $588.8M $588.8M Q4 2025 Q1 2026: $585.7M Q1 2026

Holdings 144 stocks · $588.8M
AAPL Apple Inc. 17.29% 374,434 $101.8M Reduce -2.6%
FNDF Schwab Fndmn Intl LRG Co. ETF 5.49% 714,490 $32.3M Add +1.7%
CMF iShares California Muni Bond 4.28% 438,978 $25.2M Add +5.0%
GILD Gilead Sciences Inc. 3.54% 169,652 $20.8M Reduce -0.8%
FNDB Schwab Fndmntl US BRD Mr ETF 3.33% 737,649 $19.6M Add +2.0%
IUSB Ishr CR Unvrse Usd BD ETF-Ui 2.75% 347,916 $16.2M Add +3.7%
VOT Vngrd Mrngstr MC GRW ETF-Usd 2.62% 55,345 $15.4M Add +1.5%
SCHB Schwab US Broad Market ETF 2.47% 555,549 $14.6M Add +0.8%
SPHQ Invesco S&P 500 Quality ETF 2.39% 187,611 $14.1M Add +1.1%
SCHG Schwab US Large-Cap Growth 2.24% 403,512 $13.2M Reduce -1.7%
FNDX Schwab Fndmntl US LRG Co. ETF 2.21% 478,489 $13.0M Reduce -0.2%
VOE Vngrd Mrngstr MD-Cap Val ETF 2.06% 68,219 $12.1M Add +1.1%
DFEV Dimensional Emrg MRKT Val 1.89% 330,514 $11.2M Reduce -1.0%
MTUM iShares MSCI USA Momentum Fa 1.87% 44,032 $11.0M Add +0.5%
SCHV Schwab US Large-Cap Value 1.75% 347,283 $10.3M Add +0.6%
JBND JPMorgan Active Bond ETF 1.69% 184,125 $10.0M Add +0.5%
FNDC Schwab Fndmnt Intl SM Eq ETF 1.69% 223,240 $9.9M Add +3.0%
FNDA Schwab Fndmntl US SM Co. ETF 1.66% 310,481 $9.8M Add +3.2%
VTIP Vanguard Short-Term Tips 1.65% 196,030 $9.7M New
FIXD First Trust Smith Opportunis 1.58% 210,085 $9.3M Add +3.0%
FBND Fidelity Total Bond ETF 1.58% 201,653 $9.3M Add +3.7%
IJH iShares Core S&P Midcap ETF 1.52% 135,922 $9.0M Add +2.5%
SPLV Invesco S&P 500 Low Volatili 1.47% 121,210 $8.7M Add +1.9%
PDN Inv Rafi Dev MKT US SM-Usdin 1.42% 197,811 $8.3M Reduce -0.1%
SPEM State Street SP PTF Em ETF 1.37% 172,028 $8.1M Add +1.6%
IWF iShares Russell 1000 Growth 1.33% 16,565 $7.8M Reduce -1.3%
ISCG iShares Morningstar Small-Ca 1.21% 128,261 $7.1M Add +0.2%
FLJP Franklin Ftse Japan ETF 1.10% 187,637 $6.5M Add +0.6%
BNDX Vanguard Total Intl Bond ETF 1.09% 133,007 $6.4M Add +11.1%
IMTM iShares MSCI Intl Momentum F 1.04% 127,647 $6.1M Add +0.7%
NVDA Nvidia Corp. 1.02% 32,115 $6.0M Reduce -0.8%
MSFT Microsoft Corp. 0.86% 10,487 $5.1M Reduce -7.6%
IDHQ Invesco S&P International DE 0.80% 134,067 $4.7M Add +0.7%
GOOG Alphabet Inc. Class C 0.76% 14,353 $4.5M Add +3.5%
SPDW Ste STR SPDR PT DW Eu ETF 0.72% 94,862 $4.2M Add +1.7%
NULV Nuveen ESG Large-Cap Val ETF 0.68% 89,156 $4.0M Add +0.2%
WTPI Wisdomtree Equity Premium Inc. 0.63% 112,780 $3.7M Add +2.6%
ESGU iShares ESG Aware MSCI USA 0.59% 23,256 $3.5M No change
FREL Fidelity MSCI RL Est Indx 0.59% 128,685 $3.5M Add +3.5%
IWD iShares Russell 1000 Value E 0.58% 16,324 $3.4M Add +0.1%
IVOL Quadratic Int Rte Vol Infl H 0.55% 169,483 $3.2M Add +2.8%
BJAN Innovator U.S. Equity Buffer 0.55% 58,283 $3.2M Add +3.1%
VTEB Vanguard Tax-Exempt Bond ETF 0.52% 61,047 $3.1M Add +2.2%
FJUL FT Vest US Equity Buffer ETF 0.48% 50,488 $2.8M Add +3.2%
CAT Caterpillar Inc. 0.47% 4,875 $2.8M Reduce -2.1%
USXF iShares ESG Advance MSCI USA 0.44% 45,274 $2.6M Add +0.6%
VYM Vanguard High DVD Yield ETF 0.43% 17,479 $2.5M Reduce -0.1%
VWO Vanguard Ftse Emerging Marke 0.42% 46,276 $2.5M Reduce -1.7%
GOOGL Alphabet Inc. Class A 0.42% 7,886 $2.5M Reduce -14.2%
SCHD Schwab US DVD Equity ETF 0.41% 88,808 $2.4M Add +1.0%
IJJ iShares S&P Mid-Cap 400 Valu 0.38% 16,971 $2.2M No change
IQLT iShares MSCI International Q 0.34% 43,734 $2.0M Add +0.6%
TRMB Trimble Inc. 0.30% 22,794 $1.8M Add +40.2%
AMZN Amazon.com Inc. 0.30% 7,581 $1.7M Reduce -1.4%
VEA Vanguard Ftse Developed ETF 0.29% 27,457 $1.7M Reduce -1.1%
XJH Ishare ESG SS S&P Midcap ETF 0.29% 37,747 $1.7M Reduce -0.1%
USEW Cambria US Ew ETF 0.28% 32,912 $1.7M New
DON Wisdomtree US Midcap Dividen 0.26% 30,173 $1.6M Add +0.5%
NFLX Netflix Inc. 0.26% 16,261 $1.5M Add +126.5%
DMXF iShares ESG Advanc MSCI Eafe 0.25% 19,970 $1.5M Add +0.8%
NUMV Nuveen ESG Mid-Cap Value ETF 0.25% 38,245 $1.5M Add +0.3%
AVSE Avantis Resp Emerg MKTS Eq-E 0.25% 22,372 $1.5M Reduce -0.5%
ALB Albemarle Corp. 0.22% 9,198 $1.3M Add +20.5%
JNJ Johnson & Johnson 0.21% 5,958 $1.2M Reduce -14.5%
SPY SS SPDR S&P 500 ETF Trust-US 0.20% 1,748 $1.2M Add +2.8%
APH Amphenol Corp. Class A 0.19% 8,349 $1.1M Reduce -18.1%
META Meta Platforms Inc. Class A 0.19% 1,664 $1.1M Add +2.3%
VOO Vanguard S&P 500 ETF 0.19% 1,747 $1.1M Reduce -5.2%
EBAY eBay Inc. 0.18% 12,483 $1.1M Add +0.1%
DAN Dana Inc. 0.18% 44,593 $1.1M Reduce -16.3%
ESGE iShares Inc. iShares ESG Awar 0.17% 23,208 $1.0M Reduce -0.2%
ESML iShares ESG Aware MSCI USA S 0.17% 21,936 $1.0M Reduce -0.6%
BMY Bristol-Myers Squibb Co. 0.17% 18,453 $995K Reduce -1.2%
MMIT Nylim Mackay Muni Intermedia filed as NEW YORK LIFE INVTS ACTIVE E 0.17% 40,700 $990K Add +2.4%
MSCI MSCI Inc. 0.16% 1,600 $918K No change
AVSD Avantis Reps Intern Equi ETF 0.15% 12,199 $906K Reduce -0.3%
USMV iShares MSCI USA Min Vol Fac 0.15% 9,429 $888K Reduce -4.7%
QQQ Invesco QQQ Trust Series 1 0.14% 1,372 $843K Add +2.7%
DFSU Dimensional US Sus CORE1 ETF 0.13% 17,946 $779K Add +0.4%
MCO Moody's Corp. 0.12% 1,410 $720K No change
JPIE JPMorgan Income ETF 0.12% 14,904 $690K Add +4.0%
VSGX Vanguard ESG Intl Stock ETF 0.12% 9,611 $688K Reduce -1.0%
AGG iShares Core U.S. Aggregate 0.11% 6,602 $659K Reduce -93.6%
WDAY Workday Inc. Class A 0.11% 3,038 $653K No change
AMD Advanced Micro Devices 0.11% 2,955 $633K Add +2.8%
ROKU Roku Inc. 0.10% 5,530 $600K No change
AMAT Applied Materials Inc. 0.10% 2,292 $589K No change
FLIA Franklin International Aggre 0.10% 29,111 $587K Add +4.1%
ITOT iShares Core S&P Total U.S. 0.10% 3,920 $583K Add +1.0%
VUG Vanguard Mrngstar GR ETF-Sui 0.09% 1,095 $534K No change
PLTR Palantir Technologies Inc. Class A 0.09% 2,889 $514K Add +1.1%
IHI iShares U.S. Medical Devices 0.09% 8,160 $507K No change
CSCO Cisco Systems Inc. 0.09% 6,567 $506K Reduce -4.0%
QCOM Qualcomm Inc. 0.08% 2,862 $489K Add +0.3%
NXPI NXP Semiconductors NV 0.08% 2,134 $463K Reduce -0.1%
LLY Eli Lilly & Co. 0.08% 412 $443K Reduce -1.2%
ICLN iShares Global Clean Energy 0.07% 26,592 $437K No change
DGRS Wisdomtree U.S. Smallcap Qua 0.07% 8,193 $407K Add +0.6%
BND Vanguard Total Bond Market 0.07% 5,417 $401K Add +12.3%
PM Philip Morris International 0.07% 2,447 $392K Reduce -3.2%
CME Cme Group Inc. 0.07% 1,426 $389K Add +0.1%
AKAM Akamai Technologies Inc. 0.07% 4,417 $385K Reduce -6.4%
VTI VG Morningstar TS MKT ETF-US 0.07% 1,149 $385K Add +6.0%
IDNA iShares Gen-Immunology HLTH 0.06% 14,445 $378K No change
NOW ServiceNow Inc. 0.06% 2,465 $378K Reduce -2.8%
ADBE Adobe Inc. 0.06% 1,076 $377K Reduce -5.6%
EAGG iShares ESG Aware US Aggrega 0.06% 7,857 $376K Add +4.1%
CRM Salesforce Inc. 0.06% 1,389 $368K Reduce -1.7%
KLAC KLA Corp. 0.06% 299 $363K Add +41.0%
EFV iShares MSCI Eafe Value ETF 0.06% 4,958 $354K No change
PYPL PayPal Holdings Inc. 0.06% 6,042 $353K Add +0.3%
INTC Intel Corp. 0.06% 9,424 $348K Reduce -13.2%
VV Vngrd Mrgstr LRG-Cap ETF-Usd 0.06% 1,093 $344K No change
NEE Nextera Energy Inc. 0.06% 4,256 $342K Reduce -0.8%
TSLA Tesla Inc. 0.06% 743 $334K Reduce -5.8%
IVV iShares Core S&P 500 ETF 0.05% 462 $316K Add +0.2%
ORCL Oracle Corp. 0.05% 1,594 $311K Reduce -14.3%
SONY Sony Group Corp. - SP ADR 0.05% 11,980 $307K Add +0.1%
FFEB FT Vest US Equity Buffer ETF 0.05% 5,094 $288K Reduce -2.1%
V Visa Inc. Class A 0.05% 810 $284K Reduce -3.5%
UNP Union Pacific Corp. 0.05% 1,188 $275K Reduce -2.5%
CRWD CrowdStrike Holdings Inc. Class A 0.05% 577 $270K Add +0.9%
CLX Clorox Company 0.05% 2,671 $269K No change
RTX RTX Corp. 0.05% 1,464 $268K Reduce -7.6%
OKTA Okta Inc. 0.04% 3,025 $262K Add +0.5%
IDEV iShares Core MSCI Dev MKTS 0.04% 3,124 $258K No change
DIS The Walt Disney Co. filed as DISNEY WALT CO 0.04% 2,233 $254K Reduce -21.8%
QUAL iShares MSCI USA Quality Fac 0.04% 1,277 $254K Reduce -8.0%
PEP Pepsico Inc. 0.04% 1,754 $252K Reduce -4.0%
WMT Walmart Inc. 0.04% 2,242 $250K Reduce -12.3%
SCHZ Schwab US Aggregate Bond ETF 0.04% 10,647 $249K Add +0.7%
ABT Abbott Laboratories 0.04% 1,976 $248K Reduce -4.5%
JPM JPMorgan Chase & Co. 0.04% 759 $245K Reduce -2.8%
SPTM SS SPDR P S&P 1500 Comp ETF 0.04% 3,027 $239K No change
VTV Vanguard Mrngstr Val ETF-Aui 0.04% 1,228 $235K No change
IBM Intl Business Machines Corp. filed as INTERNATIONAL BUSINESS MACHS 0.04% 780 $231K Reduce -21.1%
GD General Dynamics Corp. 0.04% 652 $220K Reduce -4.0%
URI United Rentals Inc. 0.04% 255 $206K No change
CVX Chevron Corp. 0.04% 1,352 $206K Reduce -6.8%
IWM iShares Russell 2000 ETF 0.03% 826 $203K New
IJR iShares Core S&P Small-Cap E 0.03% 1,685 $202K New
ONTF ON24 Inc. 0.03% 22,500 $179K Reduce -30.8%
SLQT Selectquote Inc. 0.01% 59,520 $84K No change
SRTS Sensus Healthcare Inc. 0.01% 16,065 $64K No change

Options reported separately and not counted above: AAPL puts ($19.0M), NVDA puts ($2.7M), GOOG puts ($1.9M), MSFT puts ($871K).

Portfolio Sells Q3 2025 → Q4 2025
AGG iShares Core U.S. Aggregate Reduce -93.6% 0.11% −1.70
MSFT Microsoft Corp. Reduce -7.6% 0.86% −0.17
SCHG Schwab US Large-Cap Growth Reduce -1.7% 2.24% −0.07
IWF iShares Russell 1000 Growth Reduce -1.3% 1.33% −0.05
NVDA Nvidia Corp. Reduce -0.8% 1.02% −0.05
HD Home Depot Inc. Sold out 0.00% −0.04
COST Costco Wholesale Corp. Sold out 0.00% −0.04
ORCL Oracle Corp. Reduce -14.3% 0.05% −0.04
XEL Xcel Energy Inc. Sold out 0.00% −0.04
APH Amphenol Corp. Class A Reduce -18.1% 0.19% −0.03
VWO Vanguard Ftse Emerging Marke Reduce -1.7% 0.42% −0.03
JNJ Johnson & Johnson Reduce -14.5% 0.21% −0.02
NOW ServiceNow Inc. Reduce -2.8% 0.06% −0.02
PDN Inv Rafi Dev MKT US SM-Usdin Reduce -0.1% 1.42% −0.02
USMV iShares MSCI USA Min Vol Fac Reduce -4.7% 0.15% −0.01
DIS The Walt Disney Co. Reduce -21.8% 0.04% −0.01
VOO Vanguard S&P 500 ETF Reduce -5.2% 0.19% −0.01
IBM Intl Business Machines Corp. Reduce -21.1% 0.04% −0.01
VYM Vanguard High DVD Yield ETF Reduce -0.1% 0.43% −0.01
DAN Dana Inc. Reduce -16.3% 0.18% −0.01
FNDX Schwab Fndmntl US LRG Co. ETF Reduce -0.2% 2.21% −0.01
NXPI NXP Semiconductors NV Reduce -0.1% 0.08% −0.01
ADBE Adobe Inc. Reduce -5.6% 0.06% −0.01
ABT Abbott Laboratories Reduce -4.5% 0.04% −0.01
PM Philip Morris International Reduce -3.2% 0.07% −0.01
XJH Ishare ESG SS S&P Midcap ETF Reduce -0.1% 0.29% −0.01
INTC Intel Corp. Reduce -13.2% 0.06% −0.01
TSLA Tesla Inc. Reduce -5.8% 0.06% −0.01
AVSE Avantis Resp Emerg MKTS Eq-E Reduce -0.5% 0.25% −0.00
CVX Chevron Corp. Reduce -6.8% 0.04% −0.00
QUAL iShares MSCI USA Quality Fac Reduce -8.0% 0.04% −0.00
UNP Union Pacific Corp. Reduce -2.5% 0.05% −0.00
WMT Walmart Inc. Reduce -12.3% 0.04% −0.00
ESML iShares ESG Aware MSCI USA S Reduce -0.6% 0.17% −0.00
ESGE iShares Inc. iShares ESG Awar Reduce -0.2% 0.17% −0.00
GD General Dynamics Corp. Reduce -4.0% 0.04% −0.00
PEP Pepsico Inc. Reduce -4.0% 0.04% −0.00
ONTF ON24 Inc. Reduce -30.8% 0.03% −0.00
V Visa Inc. Class A Reduce -3.5% 0.05% −0.00
JPM JPMorgan Chase & Co. Reduce -2.8% 0.04% −0.00
VSGX Vanguard ESG Intl Stock ETF Reduce -1.0% 0.12% −0.00
FFEB FT Vest US Equity Buffer ETF Reduce -2.1% 0.05% −0.00
VEA Vanguard Ftse Developed ETF Reduce -1.1% 0.29% −0.00
RTX RTX Corp. Reduce -7.6% 0.05% −0.00
AVSD Avantis Reps Intern Equi ETF Reduce -0.3% 0.15% −0.00
AMZN Amazon.com Inc. Reduce -1.4% 0.30% −0.00
NEE Nextera Energy Inc. Reduce -0.8% 0.06% +0.00
AKAM Akamai Technologies Inc. Reduce -6.4% 0.07% +0.00
CSCO Cisco Systems Inc. Reduce -4.0% 0.09% +0.00
CRM Salesforce Inc. Reduce -1.7% 0.06% +0.00

Portfolio Buys Q3 2025 → Q4 2025
VTIP Vanguard Short-Term Tips New 1.65% +1.65
USEW Cambria US Ew ETF New 0.28% +0.28
FNDF Schwab Fndmn Intl LRG Co. ETF Add +1.7% 5.49% +0.17
GOOG Alphabet Inc. Class C Add +3.5% 0.76% +0.17
ALB Albemarle Corp. Add +20.5% 0.22% +0.11
NFLX Netflix Inc. Add +126.5% 0.26% +0.11
CMF iShares California Muni Bond Add +5.0% 4.28% +0.08
TRMB Trimble Inc. Add +40.2% 0.30% +0.07
FNDB Schwab Fndmntl US BRD Mr ETF Add +2.0% 3.33% +0.05
BNDX Vanguard Total Intl Bond ETF Add +11.1% 1.09% +0.05
IWM iShares Russell 2000 ETF New 0.03% +0.03
IJR iShares Core S&P Small-Cap E New 0.03% +0.03
AMD Advanced Micro Devices Add +2.8% 0.11% +0.03
KLAC KLA Corp. Add +41.0% 0.06% +0.02
BJAN Innovator U.S. Equity Buffer Add +3.1% 0.55% +0.02
SPDW Ste STR SPDR PT DW Eu ETF Add +1.7% 0.72% +0.01
IDHQ Invesco S&P International DE Add +0.7% 0.80% +0.01
FNDA Schwab Fndmntl US SM Co. ETF Add +3.2% 1.66% +0.01
FJUL FT Vest US Equity Buffer ETF Add +3.2% 0.48% +0.01
BND Vanguard Total Bond Market Add +12.3% 0.07% +0.01
SPY SS SPDR S&P 500 ETF Trust-US Add +2.8% 0.20% +0.00
VTI VG Morningstar TS MKT ETF-US Add +6.0% 0.07% +0.00
QQQ Invesco QQQ Trust Series 1 Add +2.7% 0.14% +0.00
JPIE JPMorgan Income ETF Add +4.0% 0.12% +0.00
EAGG iShares ESG Aware US Aggrega Add +4.1% 0.06% 0.00
IJH iShares Core S&P Midcap ETF Add +2.5% 1.52% −0.00
QCOM Qualcomm Inc. Add +0.3% 0.08% −0.00
ITOT iShares Core S&P Total U.S. Add +1.0% 0.10% −0.00
IQLT iShares MSCI International Q Add +0.6% 0.34% −0.00
IVV iShares Core S&P 500 ETF Add +0.2% 0.05% −0.00
FLIA Franklin International Aggre Add +4.1% 0.10% −0.00
DFSU Dimensional US Sus CORE1 ETF Add +0.4% 0.13% −0.00
SCHZ Schwab US Aggregate Bond ETF Add +0.7% 0.04% −0.00
CME Cme Group Inc. Add +0.1% 0.07% −0.00
IWD iShares Russell 1000 Value E Add +0.1% 0.58% −0.00
MMIT Nylim Mackay Muni Intermedia Add +2.4% 0.17% −0.00
DGRS Wisdomtree U.S. Smallcap Qua Add +0.6% 0.07% −0.00
SPHQ Invesco S&P 500 Quality ETF Add +1.1% 2.39% −0.00
CRWD CrowdStrike Holdings Inc. Class A Add +0.9% 0.05% −0.00
OKTA Okta Inc. Add +0.5% 0.04% −0.00
PLTR Palantir Technologies Inc. Class A Add +1.1% 0.09% −0.00
NULV Nuveen ESG Large-Cap Val ETF Add +0.2% 0.68% −0.00
VTEB Vanguard Tax-Exempt Bond ETF Add +2.2% 0.52% −0.01
FBND Fidelity Total Bond ETF Add +3.7% 1.58% −0.01
NUMV Nuveen ESG Mid-Cap Value ETF Add +0.3% 0.25% −0.01
IVOL Quadratic Int Rte Vol Infl H Add +2.8% 0.55% −0.01
SONY Sony Group Corp. - SP ADR Add +0.1% 0.05% −0.01
SCHD Schwab US DVD Equity ETF Add +1.0% 0.41% −0.01
IUSB Ishr CR Unvrse Usd BD ETF-Ui Add +3.7% 2.75% −0.01
DMXF iShares ESG Advanc MSCI Eafe Add +0.8% 0.25% −0.01

Options Activity Q3 2025 → Q4 2025
AAPL Apple Inc. put Add +80.0% 70,000 $19.0M
NVDA Nvidia Corp. put New 14,700 $2.7M
GOOG Alphabet Inc. Class C put New 6,000 $1.9M
MSFT Microsoft Corp. put New 1,800 $871K

Calls and puts are listed by the shares they cover; their value is not part of the stock holdings above.

All Filings

QuarterPositions13F Reported ValueTop Holdings
Q1 2026 141$585.7MAAPL, FNDF, CMF, GILD, FNDB
Q4 2025 144$588.8MAAPL, FNDF, CMF, GILD, FNDB
Q3 2025 143$568.0MAAPL, FNDF, CMF, GILD, FNDB
Q2 2025 145$563.2MAAPL, NFLX, FNDF, CMF, GILD
Q1 2025 143$495.5MAAPL, FNDF, CMF, GILD, IUSB
Q4 2024 137$487.7MAAPL, FNDF, CMF, IUSB, GILD
Q3 2024 140$520.1MAAPL, FNDF, CMF, IUSB, GILD
Q2 2024 133$479.2MAAPL, FNDF, CMF, IUSB, FNDB
Q1 2024 132$433.1MAAPL, FNDF, CMF, IUSB, GILD