Orcam Financial Group
In its 13F for Q3 2025 (holdings as of September 30, 2025, filed November 12, 2025), Orcam Financial Group reported 55 stock positions worth $123.8 million. Its top holding was Defined Duration 10 ETF (DDX) at 32.8% of the portfolio, followed by Vanguard Tot World STK ETF (VT, 10.1%) and Schwab US Broad Market ETF (SCHB, 6.8%). Compared with Q2 2025, it opened 4 new positions, added to 28 and reduced 8. The biggest buy was a new position in Exxon Mobil (XOM) and the biggest sale Vanguard Intermediate-Term T (VGIT, shares −5%).
- Most Recent 13F
- Q2 2026
- Location
- ENCINITAS, CA
- CIK
- 0001905367
- Portfolio Value
- $123.8M (Q3 2025)
- SEC Filing
- 0001905367-25-000005 ↗ filed Nov 12, 2025
Holdings Value
Holdings 55 stocks · $123.8M
| DDX Defined Duration 10 ETF | 32.82% | 1,693,972 | $40.7M | Add +1.8% |
| VT Vanguard Tot World STK ETF | 10.13% | 91,074 | $12.5M | Reduce -0.0% |
| SCHB Schwab US Broad Market ETF | 6.78% | 326,371 | $8.4M | Reduce -0.2% |
| VTI VG Morningstar TS MKT ETF-US | 6.73% | 25,390 | $8.3M | Add +3.3% |
| SCHF Schwab Intl Equity ETF | 4.24% | 225,313 | $5.2M | Reduce -0.8% |
| VXUS Vanguard Total Intl Stock | 4.21% | 70,989 | $5.2M | Add +6.9% |
| VGIT Vanguard Intermediate-Term T | 2.51% | 51,703 | $3.1M | Reduce -5.2% |
| SCHM Schwab US Mid Cap ETF | 2.42% | 100,966 | $3.0M | Add +0.1% |
| SCHE Schwab Emrg Mrkts Eqty ETF | 2.36% | 87,638 | $2.9M | Add +2.1% |
| VEA Vanguard Ftse Developed ETF | 1.95% | 40,348 | $2.4M | Add +0.1% |
| VCIT Vanguard Int-Term Corporate | 1.64% | 24,121 | $2.0M | Add +2.4% |
| HYMB SS SPDR N Ice HY Muni ETF | 1.54% | 76,669 | $1.9M | Add +0.4% |
| VWO Vanguard Ftse Emerging Marke | 1.33% | 30,336 | $1.6M | Add +3.6% |
| SPY SS SPDR S&P 500 ETF Trust-US | 1.32% | 2,461 | $1.6M | No change |
| VTV Vanguard Mrngstr Val ETF-Aui | 1.27% | 8,435 | $1.6M | Add +7.8% |
| VOO Vanguard S&P 500 ETF | 1.27% | 2,559 | $1.6M | Add +0.2% |
| VEU Vanguard Ftse All-World Ex-U | 1.13% | 19,631 | $1.4M | Add +0.3% |
| SCHZ Schwab US Aggregate Bond ETF | 0.96% | 50,651 | $1.2M | Add +0.4% |
| VGLT Vanguard Long-Term Treasury | 0.93% | 20,359 | $1.2M | Add +0.5% |
| VGSH Vanguard Short-Term Treasury | 0.89% | 18,705 | $1.1M | Reduce -2.9% |
| SCHX Schwab US Large-Cap ETF | 0.89% | 41,720 | $1.1M | Add +0.0% |
| HYD Vaneck High Yield Muni ETF | 0.87% | 21,173 | $1.1M | Add +0.1% |
| PFF iShares Preferred & Income S | 0.86% | 33,698 | $1.1M | Reduce -0.8% |
| SCHD Schwab US DVD Equity ETF | 0.63% | 28,355 | $774K | Reduce -0.3% |
| VTEB Vanguard Tax-Exempt Bond ETF | 0.62% | 15,322 | $767K | No change |
| BND Vanguard Total Bond Market | 0.62% | 10,293 | $765K | Add +0.1% |
| VCSH Vanguard S/T Corp. Bond ETF | 0.59% | 9,132 | $730K | Reduce -1.2% |
| SPEM State Street SP PTF Em ETF | 0.52% | 13,723 | $642K | Add +9.2% |
| AVNM Avantis All Intl MKTS Eq ETF | 0.50% | 8,789 | $621K | No change |
| RSP Invesco S&P 500 Equal Weight | 0.49% | 3,214 | $610K | No change |
| AAPL Apple Inc. | 0.48% | 2,317 | $590K | Add +38.2% |
| VO Vngrd Mrngstr MD-Cap ETF-Usd | 0.47% | 1,987 | $584K | Add +0.3% |
| QQQ Invesco QQQ Trust Series 1 | 0.45% | 934 | $561K | Add +8.7% |
| VGT Vanguard Info Tech ETF | 0.44% | 736 | $549K | Add +0.1% |
| IAU iShares Gold Trust | 0.43% | 7,264 | $529K | No change |
| XOM Exxon Mobil Corp. | 0.41% | 4,453 | $502K | New |
| PL Planet Labs PBC | 0.36% | 34,691 | $450K | No change |
| IVV iShares Core S&P 500 ETF | 0.31% | 575 | $385K | No change |
| IWF iShares Russell 1000 Growth | 0.28% | 750 | $351K | New |
| VFMO Vanguard US Momentum Factor | 0.27% | 1,740 | $333K | Add +0.2% |
| JNJ Johnson & Johnson | 0.25% | 1,700 | $315K | Add +25.9% |
| MSFT Microsoft Corp. | 0.25% | 600 | $311K | Add +39.5% |
| AMZN Amazon.com Inc. | 0.23% | 1,320 | $290K | New |
| TIP iShares Tips Bond ETF | 0.23% | 2,563 | $285K | Add +0.3% |
| CTA Simplify Managed Futures St | 0.23% | 10,140 | $284K | No change |
| CAOS Alpha Architect Tail Risk | 0.23% | 3,115 | $279K | No change |
| AFL Aflac Inc. | 0.22% | 2,400 | $268K | No change |
| DFAI Dimensional International Co. | 0.21% | 7,262 | $264K | No change |
| TAIL Cambria Tail Risk ETF | 0.21% | 22,000 | $260K | No change |
| QLTI GMO International QLTY ETF | 0.19% | 9,000 | $230K | No change |
| CGDV Cap Group Dividend Value filed as CAPITAL GROUP DIVIDEND VALUE | 0.18% | 5,452 | $229K | Add +0.3% |
| AVES Avantis Emerging Markets Val | 0.18% | 3,961 | $227K | No change |
| WMT Walmart Inc. | 0.17% | 2,100 | $216K | No change |
| VCLT Vanguard Long-Term Corp. Bond | 0.17% | 2,695 | $209K | Add +0.6% |
| VGZ Vista Gold Corp. | 0.13% | 73,929 | $157K | New |
Portfolio Sells Q2 2025 → Q3 2025
| VGIT Vanguard Intermediate-Term T | Reduce -5.2% | 2.51% | −0.33 |
| SCHF Schwab Intl Equity ETF | Reduce -0.8% | 4.24% | −0.12 |
| VGSH Vanguard Short-Term Treasury | Reduce -2.9% | 0.89% | −0.09 |
| VCSH Vanguard S/T Corp. Bond ETF | Reduce -1.2% | 0.59% | −0.05 |
| PFF iShares Preferred & Income S | Reduce -0.8% | 0.86% | −0.05 |
| VT Vanguard Tot World STK ETF | Reduce -0.0% | 10.13% | −0.04 |
| SCHD Schwab US DVD Equity ETF | Reduce -0.3% | 0.63% | −0.03 |
| SCHB Schwab US Broad Market ETF | Reduce -0.2% | 6.78% | +0.01 |
Portfolio Buys Q2 2025 → Q3 2025
| XOM Exxon Mobil Corp. | New | 0.41% | +0.41 |
| IWF iShares Russell 1000 Growth | New | 0.28% | +0.28 |
| VTI VG Morningstar TS MKT ETF-US | Add +3.3% | 6.73% | +0.24 |
| AMZN Amazon.com Inc. | New | 0.23% | +0.23 |
| VXUS Vanguard Total Intl Stock | Add +6.9% | 4.21% | +0.23 |
| AAPL Apple Inc. | Add +38.2% | 0.48% | +0.18 |
| VGZ Vista Gold Corp. | New | 0.13% | +0.13 |
| SCHE Schwab Emrg Mrkts Eqty ETF | Add +2.1% | 2.36% | +0.11 |
| JNJ Johnson & Johnson | Add +25.9% | 0.25% | +0.08 |
| VWO Vanguard Ftse Emerging Marke | Add +3.6% | 1.33% | +0.07 |
| VTV Vanguard Mrngstr Val ETF-Aui | Add +7.8% | 1.27% | +0.07 |
| MSFT Microsoft Corp. | Add +39.5% | 0.25% | +0.07 |
| SPEM State Street SP PTF Em ETF | Add +9.2% | 0.52% | +0.05 |
| QQQ Invesco QQQ Trust Series 1 | Add +8.7% | 0.45% | +0.04 |
| VGT Vanguard Info Tech ETF | Add +0.1% | 0.44% | +0.02 |
| VFMO Vanguard US Momentum Factor | Add +0.2% | 0.27% | +0.01 |
| VOO Vanguard S&P 500 ETF | Add +0.2% | 1.27% | +0.00 |
| SCHX Schwab US Large-Cap ETF | Add +0.0% | 0.89% | +0.00 |
| CGDV Cap Group Dividend Value | Add +0.3% | 0.18% | −0.00 |
| VCLT Vanguard Long-Term Corp. Bond | Add +0.6% | 0.17% | −0.01 |
| VO Vngrd Mrngstr MD-Cap ETF-Usd | Add +0.3% | 0.47% | −0.01 |
| VEU Vanguard Ftse All-World Ex-U | Add +0.3% | 1.13% | −0.01 |
| TIP iShares Tips Bond ETF | Add +0.3% | 0.23% | −0.01 |
| BND Vanguard Total Bond Market | Add +0.1% | 0.62% | −0.04 |
| SCHM Schwab US Mid Cap ETF | Add +0.1% | 2.42% | −0.04 |
| VEA Vanguard Ftse Developed ETF | Add +0.1% | 1.95% | −0.04 |
| HYD Vaneck High Yield Muni ETF | Add +0.1% | 0.87% | −0.05 |
| VGLT Vanguard Long-Term Treasury | Add +0.5% | 0.93% | −0.05 |
| SCHZ Schwab US Aggregate Bond ETF | Add +0.4% | 0.96% | −0.06 |
| VCIT Vanguard Int-Term Corporate | Add +2.4% | 1.64% | −0.06 |
| HYMB SS SPDR N Ice HY Muni ETF | Add +0.4% | 1.54% | −0.10 |
| DDX Defined Duration 10 ETF | Add +1.8% | 32.82% | −1.12 |
All Filings
| Quarter | Positions | 13F Reported Value | Top Holdings |
|---|---|---|---|
| Q2 2026 | 105 | $204.7M | DDX, VT, DDV, VTI, DDXX |
| Q1 2026 | 62 | $140.9M | DDX, VT, VTI, SCHB, DDV |
| Q4 2025 | 58 | $133.4M | DDX, VT, VTI, SCHB, SCHF |
| Q3 2025 | 55 | $123.8M | DDX, VT, SCHB, VTI, SCHF |
| Q2 2025 | 51 | $115.1M | DDX, VT, SCHB, VTI, SCHF |
| Q1 2025 | 49 | $106.8M | DDX, VT, SCHB, VTI, SCHF |
| Q4 2024 | 45 | $103.4M | DDX, VT, SCHB, VTI, SCHF |
| Q3 2024 | 47 | $103.2M | DDX, VT, SCHB, VTI, SCHF |
| Q2 2024 | 42 | $93.2M | DDX, VT, SCHB, VTI, SCHF |
| Q1 2024 | 42 | $91.3M | DDX, VT, SCHB, SCHF, VTI |