Penney Financial, LLC
In its 13F for Q3 2025 (holdings as of September 30, 2025, filed October 21, 2025), Penney Financial, LLC reported 49 stock positions worth $223.3 million. Its top holding was Goldman Activebeta US LC ETF (GSLC) at 25.4% of the portfolio, followed by VG Morningstar TS MKT ETF-US (VTI, 17.4%) and Vanguard Ftse Developed ETF (VEA, 8.4%). Compared with Q2 2025, it opened 9 new positions, sold out of 2, added to 21 and reduced 6. The biggest buy was iShares 0-3 Month Treasury B (SGOV, shares +47%) and the biggest sale an exit from iShares Russell 1000 Growth (IWF).
- Most Recent 13F
- Q2 2026
- Location
- HOUSTON, TX
- CIK
- 0002049857
- Portfolio Value
- $223.3M (Q3 2025)
- SEC Filing
- 0002049857-25-000005 ↗ filed Oct 21, 2025
Holdings Value
Holdings 49 stocks · $223.3M
| GSLC Goldman Activebeta US LC ETF | 25.43% | 435,895 | $56.8M | Add +1.9% |
| VTI VG Morningstar TS MKT ETF-US | 17.41% | 118,453 | $38.9M | Add +2.9% |
| VEA Vanguard Ftse Developed ETF | 8.45% | 314,790 | $18.9M | Add +2.2% |
| SGOV iShares 0-3 Month Treasury B | 5.31% | 117,816 | $11.9M | Add +47.3% |
| IEFA iShares Core MSCI Eafe ETF | 4.63% | 118,436 | $10.3M | Add +16.1% |
| SCHD Schwab US DVD Equity ETF | 3.74% | 306,235 | $8.4M | Add +3.3% |
| JPIE JPMorgan Income ETF | 3.72% | 179,047 | $8.3M | Add +5.0% |
| VYM Vanguard High DVD Yield ETF | 3.59% | 56,933 | $8.0M | Add +0.3% |
| EVTR Eaton Vance Total Return | 2.72% | 117,979 | $6.1M | Add +4.3% |
| VCRB Vanguard Core Bond ETF | 2.72% | 77,332 | $6.1M | Add +4.8% |
| VB Vanguard Most SM-Cap ETF-Usd | 2.63% | 23,100 | $5.9M | Reduce -0.7% |
| JEPI JPMorgan Equity Premium Inco | 2.31% | 90,462 | $5.2M | Add +4.8% |
| AGG iShares Core U.S. Aggregate | 1.87% | 41,705 | $4.2M | Add +3.8% |
| HELO JPMorgan Hedged Equity ETF | 1.78% | 61,161 | $4.0M | Add +6.9% |
| VTEB Vanguard Tax-Exempt Bond ETF | 1.30% | 57,837 | $2.9M | Add +6.1% |
| SCHB Schwab US Broad Market ETF | 1.27% | 110,248 | $2.8M | Add +5.8% |
| VXUS Vanguard Total Intl Stock | 1.24% | 37,649 | $2.8M | No change |
| SUB iShares Short-Term National | 1.13% | 23,581 | $2.5M | Add +1.6% |
| AAPL Apple Inc. | 0.96% | 8,451 | $2.2M | Add +6.2% |
| FLMI Franklin Dynamic Municipal B | 0.85% | 76,537 | $1.9M | New |
| CGMU Cap Group Municipal Income | 0.72% | 58,766 | $1.6M | New |
| DFNM Dimensional National Muni BD | 0.68% | 31,737 | $1.5M | New |
| MSFT Microsoft Corp. | 0.44% | 1,890 | $979K | Add +8.9% |
| IVV iShares Core S&P 500 ETF | 0.41% | 1,374 | $920K | Reduce -25.9% |
| IWB iShares Russell 1000 ETF | 0.39% | 2,380 | $870K | No change |
| CVX Chevron Corp. | 0.38% | 5,508 | $855K | Add +3.2% |
| VOO Vanguard S&P 500 ETF | 0.34% | 1,257 | $770K | Add +36.2% |
| JQUA JPMorgan US Quality Factor | 0.34% | 11,943 | $751K | No change |
| AMZN Amazon.com Inc. | 0.32% | 3,261 | $716K | Add +14.1% |
| LNG Cheniere Energy Inc. | 0.29% | 2,725 | $640K | No change |
| SHYM iShares Short Duration High | 0.27% | 27,300 | $610K | No change |
| IWM iShares Russell 2000 ETF | 0.24% | 2,203 | $533K | No change |
| ITOT iShares Core S&P Total U.S. | 0.23% | 3,481 | $507K | New |
| NSP Insperity Inc. | 0.15% | 6,976 | $343K | No change |
| AVGO Broadcom Inc. | 0.15% | 1,000 | $330K | No change |
| EQNR Equinor ASA-Spon ADR | 0.15% | 13,297 | $324K | No change |
| BSV Vanguard Short-Term Bond ETF | 0.14% | 3,866 | $305K | Reduce -1.6% |
| GVA Granite Construction Inc. | 0.13% | 2,647 | $290K | Reduce -27.4% |
| META Meta Platforms Inc. Class A | 0.13% | 384 | $282K | New |
| IJH iShares Core S&P Midcap ETF | 0.12% | 4,175 | $272K | No change |
| FDX FedEx Corp. | 0.12% | 1,151 | $271K | Reduce -0.1% |
| SCHX Schwab US Large-Cap ETF | 0.12% | 9,816 | $259K | No change |
| VUG Vanguard Mrngstar GR ETF-Sui | 0.11% | 519 | $249K | New |
| XOM Exxon Mobil Corp. | 0.10% | 2,026 | $228K | New |
| CWI State Street SPDR MSCI Acwi | 0.10% | 6,540 | $228K | No change |
| LLY Eli Lilly & Co. | 0.10% | 297 | $227K | New |
| V Visa Inc. Class A | 0.10% | 645 | $220K | No change |
| JPM JPMorgan Chase & Co. | 0.09% | 658 | $208K | Reduce -5.7% |
| XLK SS Technology Select Sector | 0.09% | 720 | $203K | New |
Portfolio Sells Q2 2025 → Q3 2025
| IWF iShares Russell 1000 Growth | Sold out | 0.00% | −0.24 |
| IVV iShares Core S&P 500 ETF | Reduce -25.9% | 0.41% | −0.17 |
| VB Vanguard Most SM-Cap ETF-Usd | Reduce -0.7% | 2.63% | −0.17 |
| KMI Kinder Morgan Inc. | Sold out | 0.00% | −0.14 |
| GVA Granite Construction Inc. | Reduce -27.4% | 0.13% | −0.04 |
| BSV Vanguard Short-Term Bond ETF | Reduce -1.6% | 0.14% | −0.02 |
| FDX FedEx Corp. | Reduce -0.1% | 0.12% | −0.01 |
| JPM JPMorgan Chase & Co. | Reduce -5.7% | 0.09% | −0.01 |
Portfolio Buys Q2 2025 → Q3 2025
| SGOV iShares 0-3 Month Treasury B | Add +47.3% | 5.31% | +1.22 |
| FLMI Franklin Dynamic Municipal B | New | 0.85% | +0.85 |
| CGMU Cap Group Municipal Income | New | 0.72% | +0.72 |
| DFNM Dimensional National Muni BD | New | 0.68% | +0.68 |
| IEFA iShares Core MSCI Eafe ETF | Add +16.1% | 4.63% | +0.30 |
| ITOT iShares Core S&P Total U.S. | New | 0.23% | +0.23 |
| AAPL Apple Inc. | Add +6.2% | 0.96% | +0.13 |
| META Meta Platforms Inc. Class A | New | 0.13% | +0.13 |
| VUG Vanguard Mrngstar GR ETF-Sui | New | 0.11% | +0.11 |
| XOM Exxon Mobil Corp. | New | 0.10% | +0.10 |
| LLY Eli Lilly & Co. | New | 0.10% | +0.10 |
| XLK SS Technology Select Sector | New | 0.09% | +0.09 |
| VOO Vanguard S&P 500 ETF | Add +36.2% | 0.34% | +0.08 |
| SCHB Schwab US Broad Market ETF | Add +5.8% | 1.27% | +0.01 |
| AMZN Amazon.com Inc. | Add +14.1% | 0.32% | +0.00 |
| MSFT Microsoft Corp. | Add +8.9% | 0.44% | −0.00 |
| CVX Chevron Corp. | Add +3.2% | 0.38% | −0.01 |
| HELO JPMorgan Hedged Equity ETF | Add +6.9% | 1.78% | −0.04 |
| VTEB Vanguard Tax-Exempt Bond ETF | Add +6.1% | 1.30% | −0.06 |
| SUB iShares Short-Term National | Add +1.6% | 1.13% | −0.13 |
| AGG iShares Core U.S. Aggregate | Add +3.8% | 1.87% | −0.15 |
| JEPI JPMorgan Equity Premium Inco | Add +4.8% | 2.31% | −0.18 |
| VCRB Vanguard Core Bond ETF | Add +4.8% | 2.72% | −0.20 |
| EVTR Eaton Vance Total Return | Add +4.3% | 2.72% | −0.21 |
| SCHD Schwab US DVD Equity ETF | Add +3.3% | 3.74% | −0.25 |
| VYM Vanguard High DVD Yield ETF | Add +0.3% | 3.59% | −0.26 |
| JPIE JPMorgan Income ETF | Add +5.0% | 3.72% | −0.29 |
| VTI VG Morningstar TS MKT ETF-US | Add +2.9% | 17.41% | −0.38 |
| VEA Vanguard Ftse Developed ETF | Add +2.2% | 8.45% | −0.48 |
| GSLC Goldman Activebeta US LC ETF | Add +1.9% | 25.43% | −0.97 |
All Filings
| Quarter | Positions | 13F Reported Value | Top Holdings |
|---|---|---|---|
| Q2 2026 | 53 | $286.1M | DFUS, VTI, VEA, VCRB, SGOV |
| Q1 2026 | 48 | $260.6M | GSLC, VTI, VEA, SGOV, IEFA |
| Q4 2025 | 49 | $259.1M | GSLC, VTI, VEA, SGOV, IEFA |
| Q3 2025 | 49 | $223.3M | GSLC, VTI, VEA, SGOV, IEFA |
| Q2 2025 | 42 | $196.7M | GSLC, VTI, VEA, IEFA, SGOV |
| Q1 2025 | 37 | $152.3M | GSLC, VTI, VEA, VYM, SCHD |
| Q4 2024 | 39 | $149.1M | GSLC, VTI, VEA, VYM, SCHD |
| Q3 2024 | 36 | $146.6M | GSLC, VTI, VEA, VYM, SCHD |
| Q2 2024 | 34 | $136.7M | GSLC, VTI, VEA, VYM, SCHD |
| Q1 2024 | 33 | $135.4M | GSLC, VTI, VEA, VYM, SCHD |