Orcam Financial Group
In its 13F for Q4 2025 (holdings as of December 31, 2025, filed February 6, 2026), Orcam Financial Group reported 58 stock positions worth $133.4 million. Its top holding was Defined Duration 10 ETF (DDX) at 32.4% of the portfolio, followed by Vanguard Tot World STK ETF (VT, 9.7%) and VG Morningstar TS MKT ETF-US (VTI, 6.6%). Compared with Q3 2025, it opened 4 new positions, sold out of 1, added to 22 and reduced 18. The biggest buy was a new position in Defined Duration 5 ETF (DDV) and the biggest sale Vanguard Int-Term Corporate (VCIT, shares −30%).
- Most Recent 13F
- Q2 2026
- Location
- ENCINITAS, CA
- CIK
- 0001905367
- Portfolio Value
- $133.4M (Q4 2025)
- SEC Filing
- 0001905367-26-000001 ↗ filed Feb 6, 2026
Holdings Value
Holdings 58 stocks · $133.4M
| DDX Defined Duration 10 ETF | 32.36% | 1,785,229 | $43.2M | Add +5.4% |
| VT Vanguard Tot World STK ETF | 9.73% | 92,028 | $13.0M | Add +1.1% |
| VTI VG Morningstar TS MKT ETF-US | 6.60% | 26,242 | $8.8M | Add +3.4% |
| SCHB Schwab US Broad Market ETF | 6.42% | 326,475 | $8.6M | Add +0.0% |
| SCHF Schwab Intl Equity ETF | 4.09% | 226,896 | $5.5M | Add +0.7% |
| VXUS Vanguard Total Intl Stock | 3.98% | 70,282 | $5.3M | Reduce -1.0% |
| DDV Defined Duration 5 ETF | 3.05% | 162,248 | $4.1M | New |
| VGIT Vanguard Intermediate-Term T | 2.49% | 55,462 | $3.3M | Add +7.3% |
| SCHM Schwab US Mid Cap ETF | 2.28% | 101,119 | $3.0M | Add +0.1% |
| SCHE Schwab Emrg Mrkts Eqty ETF | 2.20% | 89,737 | $2.9M | Add +2.4% |
| VEA Vanguard Ftse Developed ETF | 1.93% | 41,135 | $2.6M | Add +1.9% |
| DDXX Defined Duration 20 ETF | 1.48% | 78,565 | $2.0M | New |
| VWO Vanguard Ftse Emerging Marke | 1.28% | 31,687 | $1.7M | Add +4.5% |
| VTV Vanguard Mrngstr Val ETF-Aui | 1.20% | 8,384 | $1.6M | Reduce -0.6% |
| SPY SS SPDR S&P 500 ETF Trust-US | 1.18% | 2,308 | $1.6M | Reduce -6.2% |
| HYMB SS SPDR N Ice HY Muni ETF | 1.14% | 61,180 | $1.5M | Reduce -20.2% |
| HYD Vaneck High Yield Muni ETF | 1.10% | 28,691 | $1.5M | Add +35.5% |
| VEU Vanguard Ftse All-World Ex-U | 1.09% | 19,816 | $1.5M | Add +0.9% |
| VCIT Vanguard Int-Term Corporate | 1.06% | 16,916 | $1.4M | Reduce -29.9% |
| VOO Vanguard S&P 500 ETF | 1.06% | 2,246 | $1.4M | Reduce -12.2% |
| VGLT Vanguard Long-Term Treasury | 0.86% | 20,496 | $1.1M | Add +0.7% |
| SCHX Schwab US Large-Cap ETF | 0.84% | 41,725 | $1.1M | Add +0.0% |
| PFF iShares Preferred & Income S | 0.76% | 32,917 | $1.0M | Reduce -2.3% |
| SCHZ Schwab US Aggregate Bond ETF | 0.67% | 37,957 | $887K | Reduce -25.1% |
| VGSH Vanguard Short-Term Treasury | 0.60% | 13,570 | $797K | Reduce -27.4% |
| SCHD Schwab US DVD Equity ETF | 0.57% | 27,879 | $765K | Reduce -1.7% |
| PL Planet Labs PBC | 0.51% | 34,691 | $684K | No change |
| VTEB Vanguard Tax-Exempt Bond ETF | 0.50% | 13,284 | $668K | Reduce -13.3% |
| AVNM Avantis All Intl MKTS Eq ETF | 0.49% | 8,911 | $655K | Add +1.4% |
| SPEM State Street SP PTF Em ETF | 0.48% | 13,796 | $646K | Add +0.5% |
| BND Vanguard Total Bond Market | 0.47% | 8,543 | $633K | Reduce -17.0% |
| RSP Invesco S&P 500 Equal Weight | 0.46% | 3,214 | $616K | No change |
| AAPL Apple Inc. | 0.45% | 2,212 | $601K | Reduce -4.5% |
| QQQ Invesco QQQ Trust Series 1 | 0.43% | 934 | $574K | No change |
| VGT Vanguard Info Tech ETF | 0.42% | 736 | $555K | No change |
| VO Vngrd Mrngstr MD-Cap ETF-Usd | 0.41% | 1,893 | $549K | Reduce -4.7% |
| VCSH Vanguard S/T Corp. Bond ETF | 0.41% | 6,802 | $542K | Reduce -25.5% |
| XOM Exxon Mobil Corp. | 0.40% | 4,453 | $536K | No change |
| IAU iShares Gold Trust | 0.39% | 6,437 | $522K | Reduce -11.4% |
| GMOI GMO International Value ETF | 0.36% | 14,450 | $485K | New |
| IVV iShares Core S&P 500 ETF | 0.30% | 582 | $399K | Add +1.2% |
| AOR iShares Core 60/40 Balanced | 0.29% | 5,940 | $386K | New |
| IWF iShares Russell 1000 Growth | 0.27% | 750 | $355K | No change |
| VFMO Vanguard US Momentum Factor | 0.25% | 1,743 | $333K | Add +0.2% |
| CAOS Alpha Architect Tail Risk | 0.25% | 3,680 | $330K | Add +18.1% |
| JNJ Johnson & Johnson | 0.24% | 1,540 | $319K | Reduce -9.4% |
| AMZN Amazon.com Inc. | 0.23% | 1,320 | $305K | No change |
| MSFT Microsoft Corp. | 0.22% | 600 | $290K | No change |
| DFAI Dimensional International Co. | 0.21% | 7,262 | $277K | No change |
| CTA Simplify Managed Futures St | 0.21% | 10,140 | $276K | No change |
| AFL Aflac Inc. | 0.20% | 2,400 | $265K | No change |
| CGDV Cap Group Dividend Value filed as CAPITAL GROUP DIVIDEND VALUE | 0.18% | 5,493 | $240K | Add +0.8% |
| QLTI GMO International QLTY ETF | 0.18% | 9,000 | $239K | No change |
| AVES Avantis Emerging Markets Val | 0.18% | 4,038 | $235K | Add +1.9% |
| WMT Walmart Inc. | 0.18% | 2,100 | $234K | No change |
| TAIL Cambria Tail Risk ETF | 0.16% | 18,500 | $213K | Reduce -15.9% |
| VCLT Vanguard Long-Term Corp. Bond | 0.15% | 2,715 | $206K | Add +0.7% |
| VGZ Vista Gold Corp. | 0.11% | 73,929 | $146K | No change |
Portfolio Sells Q3 2025 → Q4 2025
| VCIT Vanguard Int-Term Corporate | Reduce -29.9% | 1.06% | −0.58 |
| HYMB SS SPDR N Ice HY Muni ETF | Reduce -20.2% | 1.14% | −0.40 |
| SCHZ Schwab US Aggregate Bond ETF | Reduce -25.1% | 0.67% | −0.29 |
| VGSH Vanguard Short-Term Treasury | Reduce -27.4% | 0.60% | −0.29 |
| VXUS Vanguard Total Intl Stock | Reduce -1.0% | 3.98% | −0.24 |
| TIP iShares Tips Bond ETF | Sold out | 0.00% | −0.23 |
| VOO Vanguard S&P 500 ETF | Reduce -12.2% | 1.06% | −0.21 |
| VCSH Vanguard S/T Corp. Bond ETF | Reduce -25.5% | 0.41% | −0.18 |
| SPY SS SPDR S&P 500 ETF Trust-US | Reduce -6.2% | 1.18% | −0.14 |
| BND Vanguard Total Bond Market | Reduce -17.0% | 0.47% | −0.14 |
| VTEB Vanguard Tax-Exempt Bond ETF | Reduce -13.3% | 0.50% | −0.12 |
| PFF iShares Preferred & Income S | Reduce -2.3% | 0.76% | −0.10 |
| VTV Vanguard Mrngstr Val ETF-Aui | Reduce -0.6% | 1.20% | −0.07 |
| VO Vngrd Mrngstr MD-Cap ETF-Usd | Reduce -4.7% | 0.41% | −0.06 |
| SCHD Schwab US DVD Equity ETF | Reduce -1.7% | 0.57% | −0.05 |
| TAIL Cambria Tail Risk ETF | Reduce -15.9% | 0.16% | −0.05 |
| IAU iShares Gold Trust | Reduce -11.4% | 0.39% | −0.04 |
| AAPL Apple Inc. | Reduce -4.5% | 0.45% | −0.03 |
| JNJ Johnson & Johnson | Reduce -9.4% | 0.24% | −0.02 |
Portfolio Buys Q3 2025 → Q4 2025
| DDV Defined Duration 5 ETF | New | 3.05% | +3.05 |
| DDXX Defined Duration 20 ETF | New | 1.48% | +1.48 |
| GMOI GMO International Value ETF | New | 0.36% | +0.36 |
| AOR iShares Core 60/40 Balanced | New | 0.29% | +0.29 |
| HYD Vaneck High Yield Muni ETF | Add +35.5% | 1.10% | +0.23 |
| CAOS Alpha Architect Tail Risk | Add +18.1% | 0.25% | +0.02 |
| CGDV Cap Group Dividend Value | Add +0.8% | 0.18% | −0.01 |
| AVES Avantis Emerging Markets Val | Add +1.9% | 0.18% | −0.01 |
| AVNM Avantis All Intl MKTS Eq ETF | Add +1.4% | 0.49% | −0.01 |
| IVV iShares Core S&P 500 ETF | Add +1.2% | 0.30% | −0.01 |
| VGIT Vanguard Intermediate-Term T | Add +7.3% | 2.49% | −0.01 |
| VCLT Vanguard Long-Term Corp. Bond | Add +0.7% | 0.15% | −0.01 |
| VFMO Vanguard US Momentum Factor | Add +0.2% | 0.25% | −0.02 |
| VEA Vanguard Ftse Developed ETF | Add +1.9% | 1.93% | −0.03 |
| SPEM State Street SP PTF Em ETF | Add +0.5% | 0.48% | −0.03 |
| VEU Vanguard Ftse All-World Ex-U | Add +0.9% | 1.09% | −0.04 |
| SCHX Schwab US Large-Cap ETF | Add +0.0% | 0.84% | −0.05 |
| VWO Vanguard Ftse Emerging Marke | Add +4.5% | 1.28% | −0.05 |
| VGLT Vanguard Long-Term Treasury | Add +0.7% | 0.86% | −0.08 |
| VTI VG Morningstar TS MKT ETF-US | Add +3.4% | 6.60% | −0.13 |
| SCHM Schwab US Mid Cap ETF | Add +0.1% | 2.28% | −0.14 |
| SCHF Schwab Intl Equity ETF | Add +0.7% | 4.09% | −0.15 |
| SCHE Schwab Emrg Mrkts Eqty ETF | Add +2.4% | 2.20% | −0.16 |
| SCHB Schwab US Broad Market ETF | Add +0.0% | 6.42% | −0.36 |
| VT Vanguard Tot World STK ETF | Add +1.1% | 9.73% | −0.40 |
| DDX Defined Duration 10 ETF | Add +5.4% | 32.36% | −0.46 |
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 |