Peak Financial Management, Inc.

In its 13F for Q4 2025 (holdings as of December 31, 2025, filed January 23, 2026), Peak Financial Management, Inc. reported 98 stock positions worth $387.7 million. Its top holding was Vanguard Total Intl Stock (VXUS) at 11.6% of the portfolio, followed by VG Morningstar TS MKT ETF-US (VTI, 8.0%) and State Street SPDR Portfolio (SPGM, 7.3%). Compared with Q3 2025, it opened 2 new positions, sold out of 5, added to 34 and reduced 43. The biggest buy was TCW Flexible Income ETF (FLXR, shares +16%) and the biggest sale Vanguard S&P 500 ETF (VOO, shares −6%).

Most Recent 13F
Q2 2026
Location
WELLESLEY, MA
CIK
0001669662
Portfolio Value
$387.7M (Q4 2025)
SEC Filing
0001669662-26-000001 ↗ filed Jan 23, 2026

Holdings Value

0$100.0M$200.0M$300.0M$400.0M$500.0M Q1 2024: $315.5M Q1 2024 Q2 2024: $319.5M Q2 2024 Q3 2024: $340.6M Q3 2024 Q4 2024: $333.9M Q4 2024 Q1 2025: $333.9M Q1 2025 Q2 2025: $351.6M Q2 2025 Q3 2025: $378.3M Q3 2025 Q4 2025: $387.7M $387.7M Q4 2025 Q1 2026: $393.9M Q1 2026 Q2 2026: $435.5M Q2 2026

Holdings 98 stocks · $387.7M
VXUS Vanguard Total Intl Stock 11.58% 595,252 $44.9M Reduce -0.8%
VTI VG Morningstar TS MKT ETF-US 8.05% 93,095 $31.2M Reduce -2.3%
SPGM State Street SPDR Portfolio 7.31% 369,702 $28.4M Reduce -0.5%
RSP Invesco S&P 500 Equal Weight 4.55% 92,102 $17.6M Add +2.2%
VOO Vanguard S&P 500 ETF 4.35% 26,875 $16.9M Reduce -5.6%
JPIB JPMorgan Intl BND ETF 3.92% 312,115 $15.2M Add +3.6%
GLTR Abrdn Precious Metals Basket 3.84% 72,392 $14.9M Reduce -2.2%
VCIT Vanguard Int-Term Corporate 3.32% 153,930 $12.9M Add +4.2%
SCHB Schwab US Broad Market ETF 3.16% 467,399 $12.3M Add +2.0%
SPEM State Street SP PTF Em ETF 3.14% 260,011 $12.2M Add +0.3%
AGG iShares Core U.S. Aggregate 3.05% 118,399 $11.8M Add +2.6%
SCHM Schwab US Mid Cap ETF 3.04% 392,250 $11.8M Add +1.2%
NFLT Virtus Newfleet Multi-Sector 3.04% 511,515 $11.8M Add +6.4%
RPV Invesco S&P 500 Pure Value E 2.75% 103,107 $10.7M Add +0.1%
SHYG iShares 0-5 YR HY Corp. Bond 2.74% 248,190 $10.6M Add +2.3%
FLXR TCW Flexible Income ETF 2.36% 230,918 $9.1M Add +15.9%
SCHP Schwab U.S. Tips ETF 2.27% 331,824 $8.8M Add +3.3%
IJR iShares Core S&P Small-Cap E 2.17% 70,087 $8.4M Add +0.1%
SCHZ Schwab US Aggregate Bond ETF 2.13% 353,378 $8.3M Add +4.3%
SDCI Uscf Summerhaven Dynamic ETF 2.08% 365,788 $8.1M Add +5.6%
ACWI iShares MSCI Acwi ETF 1.57% 43,069 $6.1M Reduce -1.4%
USRT iShares Core US REIT ETF 1.45% 98,791 $5.6M Add +1.8%
AAPL Apple Inc. 1.30% 18,544 $5.0M Reduce -5.2%
SCHX Schwab US Large-Cap ETF 1.21% 173,800 $4.7M Reduce -4.2%
NVDA Nvidia Corp. 1.06% 22,038 $4.1M Reduce -14.1%
SCHF Schwab Intl Equity ETF 1.03% 166,485 $4.0M Reduce -1.9%
CEF Sprott Physical Gold and Sil 0.91% 76,709 $3.5M Reduce -0.8%
IEFA iShares Core MSCI Eafe ETF 0.75% 32,598 $2.9M Reduce -0.4%
ITOT iShares Core S&P Total U.S. 0.65% 16,990 $2.5M Reduce -1.1%
IVV iShares Core S&P 500 ETF 0.62% 3,490 $2.4M Reduce -0.9%
TIP iShares Tips Bond ETF 0.61% 21,418 $2.4M Add +0.4%
STIP iShares 0-5 Year Tips Bond E 0.57% 21,562 $2.2M Reduce -2.0%
MSFT Microsoft Corp. 0.55% 4,438 $2.1M Add +22.0%
FMAT Fidelity MSCI Materials Indx 0.48% 35,038 $1.9M Reduce -4.6%
RSPH Invesco S&P 500 Equal Weight 0.48% 58,090 $1.9M Reduce -3.1%
DJP Ipath Bloomberg Commodity Inc. filed as BARCLAYS BANK PLC 0.44% 45,831 $1.7M Reduce -0.5%
VEA Vanguard Ftse Developed ETF 0.36% 22,329 $1.4M Reduce -2.6%
TOTL SS Doubleline TR Tact ETF 0.35% 33,530 $1.3M Reduce -4.4%
RTX RTX Corp. 0.30% 6,324 $1.2M Add +0.1%
GOOG Alphabet Inc. Class C 0.27% 3,295 $1.0M Reduce -21.0%
VTV Vanguard Mrngstr Val ETF-Aui 0.27% 5,385 $1.0M Reduce -3.4%
VWO Vanguard Ftse Emerging Marke 0.25% 18,132 $975K Reduce -5.9%
AMZN Amazon.com Inc. 0.22% 3,729 $861K Reduce -6.3%
RSPM Invesco S&P 500 Equal Weight 0.22% 25,149 $857K Reduce -8.2%
DSI iShares ESG MSCI KLD 400 ETF 0.21% 6,315 $814K No change
ESGD iShares Trust iShares ESG Aw 0.20% 8,345 $794K Reduce -0.6%
GOOGL Alphabet Inc. Class A 0.20% 2,511 $786K Reduce -31.2%
PHYS Sprott Physical Gold Trust 0.19% 22,000 $726K Reduce -1.0%
SCHC Schwab Intl Small-Cap Equity 0.18% 15,105 $688K Reduce -2.3%
SUSA iShares ESG Optimized MSCI U 0.17% 4,685 $653K Reduce -2.3%
MU Micron Technology Inc. 0.14% 1,953 $558K Add +56.0%
COST Costco Wholesale Corp. 0.14% 642 $554K Add +1.6%
ESGU iShares ESG Aware MSCI USA 0.14% 3,682 $549K Reduce -1.9%
QQQ Invesco QQQ Trust Series 1 0.14% 865 $531K Reduce -1.8%
GE General Electric filed as GE AEROSPACE 0.13% 1,645 $507K Add +3.0%
XLV SS Health Care Select Sector 0.12% 3,032 $469K Reduce -13.5%
SUSC iShares ESG Aware Usd Corpor 0.12% 19,760 $462K Reduce -1.0%
TJX TJX Companies Inc. filed as TJX COS INC NEW 0.12% 2,986 $459K Add +2.9%
GLD SPDR Gold Shares 0.11% 1,108 $439K Reduce -5.1%
LMAT Lemaitre Vascular Inc. 0.11% 5,365 $435K No change
JNK SS SPDR BB High Yield Bond 0.11% 4,232 $411K Add +1.3%
EPI Wisdomtree India Earnings 0.11% 8,848 $410K No change
VZ Verizon Communications Inc. 0.10% 9,852 $401K No change
GEV GE Vernova Inc. 0.10% 597 $390K Add +8.2%
TSM Taiwan Semiconductor-SP ADR 0.10% 1,276 $388K Add +8.5%
AMD Advanced Micro Devices 0.10% 1,722 $369K Add +26.0%
LQD Ishr Ibx Usd Invgd CB ETF-Ui 0.09% 3,255 $359K Reduce -13.8%
BRK.B Berkshire Hathaway Inc. Class B 0.09% 700 $352K No change
XOM Exxon Mobil Corp. 0.09% 2,819 $339K Reduce -5.0%
SCHA Schwab US Small-Cap ETF 0.09% 11,789 $336K Add +6.4%
VNQ Vanguard Real Estate ETF 0.09% 3,743 $331K No change
META Meta Platforms Inc. Class A 0.08% 486 $321K Add +17.7%
PG The Procter & Gamble Co. 0.08% 2,189 $314K Reduce -7.1%
LLY Eli Lilly & Co. 0.08% 291 $313K Reduce -7.9%
ESGE iShares Inc. iShares ESG Awar 0.07% 6,497 $287K Add +2.4%
AVGO Broadcom Inc. 0.07% 827 $286K Add +17.8%
IYW iShares Ustechnology ETF 0.07% 1,406 $281K Reduce -0.6%
SPY SS SPDR S&P 500 ETF Trust-US 0.07% 409 $279K No change
XLI SS Industrial Select Sector 0.07% 1,775 $275K No change
ESML iShares ESG Aware MSCI USA S 0.07% 5,934 $273K Reduce -3.4%
PH Parker Hannifin Corp. 0.07% 309 $272K Add +6.9%
CORP PIMCO Inv Grade Corp. BD ETF 0.07% 2,775 $272K No change
FVD First Trust Value Line DVD 0.07% 5,892 $272K No change
IWS iShares Russell Mid-Cap Valu 0.07% 1,900 $268K No change
IAU iShares Gold Trust 0.07% 3,236 $263K No change
EFAV iShares MSCI Eafe Min Vol Fa 0.07% 2,930 $253K Add +0.1%
IBM Intl Business Machines Corp. filed as INTERNATIONAL BUSINESS MACHS 0.07% 851 $252K No change
GDX Vaneck Gold Miners ETF 0.06% 2,882 $247K No change
JNJ Johnson & Johnson 0.06% 1,179 $244K No change
JPM JPMorgan Chase & Co. 0.06% 742 $239K Add +2.8%
HUBS HubSpot Inc. 0.06% 580 $233K No change
DE Deere & Co. 0.06% 494 $230K New
CALI Ishrs SH-TRM Ca Muni Act ETF 0.06% 4,400 $222K No change
ABBV Abbvie Inc. 0.06% 964 $220K Reduce -9.4%
SCHD Schwab US DVD Equity ETF 0.06% 7,802 $214K New
XLY SS Consumer Disc Select Sect 0.05% 1,762 $210K No change
VTWG Vanguard Russell 2000 Growth 0.05% 884 $209K No change
AUST Austin Gold Corp. 0.01% 20,000 $30K Reduce -15.6%

Portfolio Sells Q3 2025 → Q4 2025
VOO Vanguard S&P 500 ETF Reduce -5.6% 4.35% −0.26
VTI VG Morningstar TS MKT ETF-US Reduce -2.3% 8.05% −0.21
NVDA Nvidia Corp. Reduce -14.1% 1.06% −0.20
BSX Boston Scientific Corp. Sold out 0.00% −0.08
VXUS Vanguard Total Intl Stock Reduce -0.8% 11.58% −0.07
ORCL Oracle Corp. Sold out 0.00% −0.06
BABA Alibaba Group Holding-SP ADR Sold out 0.00% −0.06
SCHX Schwab US Large-Cap ETF Reduce -4.2% 1.21% −0.06
BND Vanguard Total Bond Market Sold out 0.00% −0.05
SPGM State Street SPDR Portfolio Reduce -0.5% 7.31% −0.04
STIP iShares 0-5 Year Tips Bond E Reduce -2.0% 0.57% −0.03
GOOGL Alphabet Inc. Class A Reduce -31.2% 0.20% −0.03
FMAT Fidelity MSCI Materials Indx Reduce -4.6% 0.48% −0.03
TOTL SS Doubleline TR Tact ETF Reduce -4.4% 0.35% −0.03
ACWI iShares MSCI Acwi ETF Reduce -1.4% 1.57% −0.02
VWO Vanguard Ftse Emerging Marke Reduce -5.9% 0.25% −0.02
LQD Ishr Ibx Usd Invgd CB ETF-Ui Reduce -13.8% 0.09% −0.02
AAPL Apple Inc. Reduce -5.2% 1.30% −0.02
RSPM Invesco S&P 500 Equal Weight Reduce -8.2% 0.22% −0.02
PG The Procter & Gamble Co. Reduce -7.1% 0.08% −0.01
DVS Dolly Varden Silver Ltd. Sold out 0.00% −0.01
SCHF Schwab Intl Equity ETF Reduce -1.9% 1.03% −0.01
ITOT iShares Core S&P Total U.S. Reduce -1.1% 0.65% −0.01
VTV Vanguard Mrngstr Val ETF-Aui Reduce -3.4% 0.27% −0.01
AMZN Amazon.com Inc. Reduce -6.3% 0.22% −0.01
SCHC Schwab Intl Small-Cap Equity Reduce -2.3% 0.18% −0.01
ABBV Abbvie Inc. Reduce -9.4% 0.06% −0.01
XLV SS Health Care Select Sector Reduce -13.5% 0.12% −0.01
IVV iShares Core S&P 500 ETF Reduce -0.9% 0.62% −0.01
SUSC iShares ESG Aware Usd Corpor Reduce -1.0% 0.12% −0.01
SUSA iShares ESG Optimized MSCI U Reduce -2.3% 0.17% −0.00
IEFA iShares Core MSCI Eafe ETF Reduce -0.4% 0.75% −0.00
VEA Vanguard Ftse Developed ETF Reduce -2.6% 0.36% −0.00
AUST Austin Gold Corp. Reduce -15.6% 0.01% −0.00
ESGU iShares ESG Aware MSCI USA Reduce -1.9% 0.14% −0.00
ESML iShares ESG Aware MSCI USA S Reduce -3.4% 0.07% −0.00
QQQ Invesco QQQ Trust Series 1 Reduce -1.8% 0.14% −0.00
GOOG Alphabet Inc. Class C Reduce -21.0% 0.27% −0.00
ESGD iShares Trust iShares ESG Aw Reduce -0.6% 0.20% −0.00
XOM Exxon Mobil Corp. Reduce -5.0% 0.09% −0.00
IYW iShares Ustechnology ETF Reduce -0.6% 0.07% −0.00
GLD SPDR Gold Shares Reduce -5.1% 0.11% +0.00
RSPH Invesco S&P 500 Equal Weight Reduce -3.1% 0.48% +0.01
DJP Ipath Bloomberg Commodity Inc. Reduce -0.5% 0.44% +0.01
PHYS Sprott Physical Gold Trust Reduce -1.0% 0.19% +0.01
LLY Eli Lilly & Co. Reduce -7.9% 0.08% +0.02
CEF Sprott Physical Gold and Sil Reduce -0.8% 0.91% +0.16
GLTR Abrdn Precious Metals Basket Reduce -2.2% 3.84% +0.60

Portfolio Buys Q3 2025 → Q4 2025
FLXR TCW Flexible Income ETF Add +15.9% 2.36% +0.26
NFLT Virtus Newfleet Multi-Sector Add +6.4% 3.04% +0.11
MU Micron Technology Inc. Add +56.0% 0.14% +0.09
DE Deere & Co. New 0.06% +0.06
MSFT Microsoft Corp. Add +22.0% 0.55% +0.06
SCHD Schwab US DVD Equity ETF New 0.06% +0.06
SCHB Schwab US Broad Market ETF Add +2.0% 3.16% +0.05
RPV Invesco S&P 500 Pure Value E Add +0.1% 2.75% +0.04
VCIT Vanguard Int-Term Corporate Add +4.2% 3.32% +0.04
AMD Advanced Micro Devices Add +26.0% 0.10% +0.04
RSP Invesco S&P 500 Equal Weight Add +2.2% 4.55% +0.03
SCHZ Schwab US Aggregate Bond ETF Add +4.3% 2.13% +0.03
RTX RTX Corp. Add +0.1% 0.30% +0.02
JPIB JPMorgan Intl BND ETF Add +3.6% 3.92% +0.02
TSM Taiwan Semiconductor-SP ADR Add +8.5% 0.10% +0.01
AVGO Broadcom Inc. Add +17.8% 0.07% +0.01
PH Parker Hannifin Corp. Add +6.9% 0.07% +0.01
GEV GE Vernova Inc. Add +8.2% 0.10% +0.01
TJX TJX Companies Inc. Add +2.9% 0.12% +0.01
SCHA Schwab US Small-Cap ETF Add +6.4% 0.09% +0.00
SCHM Schwab US Mid Cap ETF Add +1.2% 3.04% +0.00
GE General Electric Add +3.0% 0.13% +0.00
META Meta Platforms Inc. Class A Add +17.7% 0.08% +0.00
JPM JPMorgan Chase & Co. Add +2.8% 0.06% +0.00
ESGE iShares Inc. iShares ESG Awar Add +2.4% 0.07% +0.00
EFAV iShares MSCI Eafe Min Vol Fa Add +0.1% 0.07% −0.00
JNK SS SPDR BB High Yield Bond Add +1.3% 0.11% −0.00
AGG iShares Core U.S. Aggregate Add +2.6% 3.05% −0.01
COST Costco Wholesale Corp. Add +1.6% 0.14% −0.01
TIP iShares Tips Bond ETF Add +0.4% 0.61% −0.02
SCHP Schwab U.S. Tips ETF Add +3.3% 2.27% −0.02
IJR iShares Core S&P Small-Cap E Add +0.1% 2.17% −0.03
SDCI Uscf Summerhaven Dynamic ETF Add +5.6% 2.08% −0.03
SHYG iShares 0-5 YR HY Corp. Bond Add +2.3% 2.74% −0.03
USRT iShares Core US REIT ETF Add +1.8% 1.45% −0.06
SPEM State Street SP PTF Em ETF Add +0.3% 3.14% −0.07

All Filings

QuarterPositions13F Reported ValueTop Holdings
Q2 2026 114$435.5MVXUS, VTI, SPGM, RSP, JPIB
Q1 2026 100$393.9MVXUS, VTI, SPGM, RSP, JPIB
Q4 2025 98$387.7MVXUS, VTI, SPGM, RSP, VOO
Q3 2025 101$378.3MVXUS, VTI, SPGM, VOO, RSP
Q2 2025 95$351.6MVXUS, VTI, SPGM, VOO, RSP
Q1 2025 97$333.9MVXUS, VTI, SPGM, VOO, RSP
Q4 2024 96$333.9MVXUS, VTI, SPGM, VOO, RSP
Q3 2024 98$340.6MVXUS, VTI, SPGM, VOO, RSP
Q2 2024 94$319.5MVXUS, VTI, SPGM, VOO, SCHP
Q1 2024 96$315.5MVXUS, VTI, SPGM, VOO, SCHP