Personal Cfo Solutions, LLC
In its 13F for Q3 2025 (holdings as of September 30, 2025, filed November 10, 2025), Personal Cfo Solutions, LLC reported 495 stock positions worth $569.9 million. Its top holding was Chubb (CB) at 9.6% of the portfolio, followed by Apple (AAPL, 4.8%) and Microsoft (MSFT, 3.2%). Compared with Q2 2025, it opened 51 new positions, sold out of 37, added to 237 and reduced 200. The biggest buy was iShares Russell 2000 ETF (IWM, shares +1706%) and the biggest sale an exit from Proshares Ultra RUSSELL2000 (UWM).
- Most Recent 13F
- Q2 2026
- Location
- CHESTER, NJ
- CIK
- 0001677501
- Portfolio Value
- $569.9M (Q3 2025)
- SEC Filing
- 0001677501-25-000013 ↗ filed Nov 10, 2025
Holdings Value
Holdings 495 stocks · $569.9M
| CB Chubb Ltd. | 9.57% | 193,151 | $54.5M | Reduce -0.1% |
| AAPL Apple Inc. | 4.75% | 106,418 | $27.1M | Reduce -2.8% |
| MSFT Microsoft Corp. | 3.15% | 34,677 | $18.0M | Add +5.1% |
| NVDA Nvidia Corp. | 2.71% | 82,722 | $15.4M | Reduce -12.2% |
| IWM iShares Russell 2000 ETF | 2.67% | 62,931 | $15.2M | Add +1705.8% |
| GOOGL Alphabet Inc. Class A | 2.50% | 58,597 | $14.2M | Reduce -0.9% |
| AMZN Amazon.com Inc. | 2.33% | 60,462 | $13.3M | Add +1.1% |
| ITT Itt Inc. | 1.86% | 59,249 | $10.6M | Reduce -0.0% |
| FNCL Fidelity MSCI Financial Indx | 1.59% | 118,350 | $9.0M | Reduce -0.8% |
| GOOG Alphabet Inc. Class C | 1.50% | 35,084 | $8.5M | Reduce -4.4% |
| SPY SS SPDR S&P 500 ETF Trust-US | 1.06% | 9,074 | $6.0M | Reduce -11.5% |
| AVGO Broadcom Inc. | 0.96% | 16,646 | $5.5M | Add +56.3% |
| SCHD Schwab US DVD Equity ETF | 0.94% | 195,867 | $5.3M | New |
| BRK.B Berkshire Hathaway Inc. Class B | 0.92% | 10,455 | $5.3M | Add +0.5% |
| IQLT iShares MSCI International Q | 0.90% | 115,630 | $5.1M | Add +14.7% |
| GLD SPDR Gold Shares | 0.83% | 13,344 | $4.7M | Add +3.6% |
| ORCL Oracle Corp. | 0.82% | 16,642 | $4.7M | Reduce -14.0% |
| META Meta Platforms Inc. Class A | 0.79% | 6,156 | $4.5M | Add +5.6% |
| TSM Taiwan Semiconductor-SP ADR | 0.78% | 15,823 | $4.4M | Add +8.3% |
| TSLA Tesla Inc. | 0.77% | 9,844 | $4.4M | Add +5.8% |
| V Visa Inc. Class A | 0.75% | 12,548 | $4.3M | Reduce -8.8% |
| MA Mastercard Inc. Class A | 0.72% | 7,210 | $4.1M | Reduce -1.4% |
| BA The Boeing Co. | 0.72% | 18,904 | $4.1M | Add +0.6% |
| HYG Ishr Ibx Usd Hiyld CB ETF-Ui | 0.68% | 47,784 | $3.9M | Add +13.9% |
| CVX Chevron Corp. | 0.67% | 24,731 | $3.8M | Add +35.6% |
| NFLX Netflix Inc. | 0.62% | 2,925 | $3.5M | Reduce -9.4% |
| XOM Exxon Mobil Corp. | 0.60% | 30,285 | $3.4M | Add +0.4% |
| JPM JPMorgan Chase & Co. | 0.59% | 10,589 | $3.3M | Add +2.0% |
| LLY Eli Lilly & Co. | 0.58% | 4,353 | $3.3M | Reduce -2.5% |
| MO Altria Group Inc. | 0.55% | 47,630 | $3.1M | Reduce -0.6% |
| AXP American Express Co. | 0.54% | 9,302 | $3.1M | Reduce -6.7% |
| VZ Verizon Communications Inc. | 0.52% | 67,633 | $3.0M | Reduce -8.2% |
| CBRE CBRE Group Inc. Class A | 0.48% | 17,384 | $2.7M | Reduce -0.3% |
| RTX RTX Corp. | 0.47% | 16,121 | $2.7M | Add +0.3% |
| SE Sea Ltd.-ADR | 0.47% | 14,897 | $2.7M | Add +2.2% |
| T AT&T Inc. | 0.46% | 92,215 | $2.6M | Add +12.2% |
| JNJ Johnson & Johnson | 0.44% | 13,443 | $2.5M | Add +2.8% |
| SKYY First Trust Cloud Computing | 0.42% | 18,012 | $2.4M | Reduce -0.7% |
| PM Philip Morris International | 0.41% | 14,376 | $2.3M | Add +3.5% |
| IGV iShares Expanded Tech-Softwa | 0.40% | 19,687 | $2.3M | Add +6.7% |
| SAP Sap SE-Sponsored ADR | 0.40% | 8,449 | $2.3M | Add +2.4% |
| PLTR Palantir Technologies Inc. Class A | 0.39% | 12,050 | $2.2M | Add +8.3% |
| GD General Dynamics Corp. | 0.39% | 6,436 | $2.2M | Reduce -31.9% |
| GE General Electric filed as GE AEROSPACE | 0.38% | 7,184 | $2.2M | Add +0.8% |
| SHOP Shopify Inc. Class A | 0.38% | 14,475 | $2.2M | Reduce -21.3% |
| NOW ServiceNow Inc. | 0.37% | 2,320 | $2.1M | Add +3.5% |
| GS Goldman Sachs Group Inc. | 0.37% | 2,648 | $2.1M | Reduce -1.5% |
| MRK Merck & Co. Inc. | 0.36% | 24,441 | $2.1M | Reduce -2.6% |
| ASML ASML Holding NV-NY Reg SHS | 0.36% | 2,108 | $2.0M | Add +13.0% |
| ABT Abbott Laboratories | 0.34% | 14,444 | $1.9M | Reduce -17.1% |
| XLE SS Energy Select Sector | 0.34% | 21,623 | $1.9M | New |
| BAC Bank of America Corp. filed as BANK AMERICA CORP | 0.33% | 36,942 | $1.9M | Add +1.1% |
| UNH Unitedhealth Group Inc. | 0.33% | 5,399 | $1.9M | Add +30.8% |
| AON Aon PLC Class A | 0.33% | 5,194 | $1.9M | Reduce -3.9% |
| WRB WR Berkley Corp. filed as BERKLEY W R CORP | 0.32% | 24,067 | $1.8M | Reduce -0.1% |
| INTU Intuit Inc. | 0.32% | 2,687 | $1.8M | Add +34.4% |
| MCK McKesson Corp. | 0.32% | 2,373 | $1.8M | Add +11.5% |
| WMT Walmart Inc. | 0.32% | 17,553 | $1.8M | Reduce -4.5% |
| PFE Pfizer Inc. | 0.31% | 69,136 | $1.8M | Add +2.0% |
| UBER Uber Technologies Inc. | 0.30% | 17,402 | $1.7M | Add +56.5% |
| JNK SS SPDR BB High Yield Bond | 0.29% | 17,085 | $1.7M | Add +0.3% |
| LIN Linde PLC | 0.29% | 3,472 | $1.6M | Add +2.1% |
| SPOT Spotify Technology SA | 0.28% | 2,310 | $1.6M | Reduce -1.3% |
| ADBE Adobe Inc. | 0.27% | 4,419 | $1.6M | Reduce -24.2% |
| QCOM Qualcomm Inc. | 0.27% | 9,335 | $1.6M | Reduce -2.1% |
| CMCSA Comcast Corp. Class A | 0.27% | 48,582 | $1.5M | Reduce -2.1% |
| KO The Coca-Cola Co. | 0.27% | 23,002 | $1.5M | Add +3.8% |
| IBM Intl Business Machines Corp. filed as INTERNATIONAL BUSINESS MACHS | 0.26% | 5,342 | $1.5M | Add +11.0% |
| COST Costco Wholesale Corp. | 0.26% | 1,628 | $1.5M | Reduce -0.4% |
| COF Capital One Financial Corp. | 0.26% | 6,957 | $1.5M | Add +1.8% |
| ZTS Zoetis Inc. | 0.26% | 10,044 | $1.5M | Reduce -2.5% |
| STX Seagate Technology Holdings | 0.26% | 6,220 | $1.5M | Add +107.9% |
| ABBV Abbvie Inc. | 0.26% | 6,281 | $1.5M | Reduce -2.9% |
| AZN Astrazeneca PLC-Spons ADR | 0.25% | 18,681 | $1.4M | Add +13.2% |
| D Dominion Energy Inc. | 0.25% | 23,200 | $1.4M | Reduce -1.4% |
| WFC Wells Fargo & Co. | 0.24% | 16,483 | $1.4M | Add +15.6% |
| NKE Nike Inc. Class B | 0.24% | 19,772 | $1.4M | Add +10.7% |
| ET Energy Transfer LP | 0.24% | 79,891 | $1.4M | Add +1.3% |
| SO The Southern Co. | 0.24% | 14,217 | $1.3M | Add +2.2% |
| APP AppLovin Corp. Class A | 0.23% | 1,855 | $1.3M | Reduce -3.3% |
| HD Home Depot Inc. | 0.23% | 3,223 | $1.3M | Add +2.6% |
| VUG Vanguard Mrngstar GR ETF-Sui | 0.23% | 2,718 | $1.3M | New |
| NSC Norfolk Southern Corp. | 0.23% | 4,328 | $1.3M | Reduce -1.2% |
| SNPS Synopsys Inc. | 0.23% | 2,634 | $1.3M | Add +180.8% |
| PG The Procter & Gamble Co. | 0.22% | 8,288 | $1.3M | Add +0.3% |
| TJX TJX Companies Inc. filed as TJX COS INC NEW | 0.22% | 8,702 | $1.3M | Add +79.9% |
| BMY Bristol-Myers Squibb Co. | 0.22% | 27,815 | $1.3M | Reduce -1.2% |
| CARR Carrier Global Corp. | 0.22% | 20,949 | $1.3M | Add +2.1% |
| SLV iShares Silver Trust | 0.22% | 29,068 | $1.2M | Reduce -2.0% |
| MSCI MSCI Inc. | 0.21% | 2,129 | $1.2M | Reduce -1.1% |
| RBA RB Global Inc. | 0.21% | 11,096 | $1.2M | No change |
| MPC Marathon Petroleum Corp. | 0.21% | 6,217 | $1.2M | Reduce -2.3% |
| MELI MercadoLibre Inc. | 0.21% | 512 | $1.2M | No change |
| NVO Novo-Nordisk A/S-Spons ADR | 0.21% | 21,562 | $1.2M | Add +6.3% |
| AMAT Applied Materials Inc. | 0.21% | 5,781 | $1.2M | Reduce -0.7% |
| CSCO Cisco Systems Inc. | 0.21% | 17,139 | $1.2M | Add +3.1% |
| ACN Accenture PLC Class A | 0.20% | 4,719 | $1.2M | Reduce -8.5% |
| C Citigroup Inc. | 0.20% | 11,296 | $1.1M | Reduce -4.4% |
| CTVA Corteva Inc. | 0.20% | 16,567 | $1.1M | Add +30.1% |
| VLO Valero Energy Corp. | 0.20% | 6,547 | $1.1M | Reduce -0.7% |
Portfolio Sells Q2 2025 → Q3 2025
| UWM Proshares Ultra RUSSELL2000 | Sold out | 0.00% | −2.25 |
| IWF iShares Russell 1000 Growth | Sold out | 0.00% | −1.37 |
| EFG iShares MSCI Eafe Growth ETF | Sold out | 0.00% | −0.87 |
| CB Chubb Ltd. | Reduce -0.1% | 9.57% | −0.79 |
| QQQ Invesco QQQ Trust Series 1 | Sold out | 0.00% | −0.63 |
| IWD iShares Russell 1000 Value E | Sold out | 0.00% | −0.36 |
| SHY iShares 1-3 Year Treasury Bo | Sold out | 0.00% | −0.27 |
| PARAA Paramount Global Class B | Sold out | 0.00% | −0.18 |
| NFLX Netflix Inc. | Reduce -9.4% | 0.62% | −0.18 |
| XLP SS Consumer Staples Sel Sect | Sold out | 0.00% | −0.18 |
| V Visa Inc. Class A | Reduce -8.8% | 0.75% | −0.15 |
| ADBE Adobe Inc. | Reduce -24.2% | 0.27% | −0.14 |
| GD General Dynamics Corp. | Reduce -31.9% | 0.39% | −0.13 |
| VRNA Verona Pharma Ltd. | Sold out | 0.00% | −0.11 |
| SPY SS SPDR S&P 500 ETF Trust-US | Reduce -11.5% | 1.06% | −0.11 |
| ABNB Airbnb Inc. Class A | Reduce -46.9% | 0.09% | −0.11 |
| TEAM Atlassian Corp. Class A | Sold out | 0.00% | −0.10 |
| IT Gartner Inc. | Sold out | 0.00% | −0.10 |
| ABT Abbott Laboratories | Reduce -17.1% | 0.34% | −0.10 |
| WDAY Workday Inc. Class A | Reduce -38.8% | 0.13% | −0.09 |
| URTH iShares MSCI World ETF | Sold out | 0.00% | −0.09 |
| IWB iShares Russell 1000 ETF | Sold out | 0.00% | −0.08 |
| ACN Accenture PLC Class A | Reduce -8.5% | 0.20% | −0.08 |
| TMO Thermo Fisher Scientific Inc. | Reduce -38.8% | 0.17% | −0.08 |
| ILCG iShares Morningstar Growth E | Sold out | 0.00% | −0.07 |
| VZ Verizon Communications Inc. | Reduce -8.2% | 0.52% | −0.07 |
| GGAL Grupo Financiero Galicia-ADR | Sold out | 0.00% | −0.07 |
| QFIN Qfin Holdings Inc.-ADR | Sold out | 0.00% | −0.07 |
| BWXT BWX Technologies Inc. | Sold out | 0.00% | −0.06 |
| AMD Advanced Micro Devices | Reduce -43.3% | 0.10% | −0.06 |
| LLY Eli Lilly & Co. | Reduce -2.5% | 0.58% | −0.06 |
| YPF YPF S.A.-Sponsored ADR | Sold out | 0.00% | −0.06 |
| CMCSA Comcast Corp. Class A | Reduce -2.1% | 0.27% | −0.06 |
| CRM Salesforce Inc. | Reduce -11.2% | 0.15% | −0.06 |
| PAM Pampa Energia SA-Spon ADR | Sold out | 0.00% | −0.06 |
| ED Consolidated Edison Inc. | Sold out | 0.00% | −0.06 |
| XLC SS Comm Select Sector SPDR | Reduce -31.8% | 0.13% | −0.05 |
| KMX Carmax Inc. | Sold out | 0.00% | −0.05 |
| CHKP Check Point Software Tech | Sold out | 0.00% | −0.05 |
| SPOT Spotify Technology SA | Reduce -1.3% | 0.28% | −0.05 |
| RELX Relx PLC - Spon ADR | Reduce -47.3% | 0.04% | −0.05 |
| FNCL Fidelity MSCI Financial Indx | Reduce -0.8% | 1.59% | −0.05 |
| TSN Tyson Foods Inc. Class A | Reduce -43.6% | 0.05% | −0.05 |
| AXP American Express Co. | Reduce -6.7% | 0.54% | −0.05 |
| XLI SS Industrial Select Sector | Reduce -25.5% | 0.13% | −0.05 |
| XLK SS Technology Select Sector | Reduce -27.9% | 0.14% | −0.05 |
| NVDA Nvidia Corp. | Reduce -12.2% | 2.71% | −0.04 |
| FOXA Fox Corp. Class A | Sold out | 0.00% | −0.04 |
| USHY iShares Broad Usd High Yield | Sold out | 0.00% | −0.04 |
| TWLO Twilio Inc. Class A | Sold out | 0.00% | −0.04 |
Portfolio Buys Q2 2025 → Q3 2025
| IWM iShares Russell 2000 ETF | Add +1705.8% | 2.67% | +2.53 |
| SCHD Schwab US DVD Equity ETF | New | 0.94% | +0.94 |
| AVGO Broadcom Inc. | Add +56.3% | 0.96% | +0.42 |
| XLE SS Energy Select Sector | New | 0.34% | +0.34 |
| VUG Vanguard Mrngstar GR ETF-Sui | New | 0.23% | +0.23 |
| TSLA Tesla Inc. | Add +5.8% | 0.77% | +0.22 |
| CVX Chevron Corp. | Add +35.6% | 0.67% | +0.19 |
| STX Seagate Technology Holdings | Add +107.9% | 0.26% | +0.18 |
| TSM Taiwan Semiconductor-SP ADR | Add +8.3% | 0.78% | +0.16 |
| XLV SS Health Care Select Sector | New | 0.16% | +0.16 |
| SNPS Synopsys Inc. | Add +180.8% | 0.23% | +0.14 |
| XLB SS Materials Select Sector | New | 0.12% | +0.12 |
| MSFT Microsoft Corp. | Add +5.1% | 3.15% | +0.11 |
| TJX TJX Companies Inc. | Add +79.9% | 0.22% | +0.11 |
| UBER Uber Technologies Inc. | Add +56.5% | 0.30% | +0.11 |
| GLD SPDR Gold Shares | Add +3.6% | 0.83% | +0.11 |
| PLTR Palantir Technologies Inc. Class A | Add +8.3% | 0.39% | +0.11 |
| TLT iShares 20+ Year Treasury BD | New | 0.10% | +0.10 |
| PSKY Paramount Skydance Class B | New | 0.10% | +0.10 |
| BSX Boston Scientific Corp. | Add +210.6% | 0.15% | +0.09 |
| IQLT iShares MSCI International Q | Add +14.7% | 0.90% | +0.09 |
| UNH Unitedhealth Group Inc. | Add +30.8% | 0.33% | +0.09 |
| ASML ASML Holding NV-NY Reg SHS | Add +13.0% | 0.36% | +0.08 |
| GLW Corning Inc. | Add +44.8% | 0.15% | +0.08 |
| GFI Gold Fields Ltd.-Spons ADR | New | 0.08% | +0.08 |
| CYD China Yuchai Intl Ltd. | New | 0.07% | +0.07 |
| CWB SS SPDR BB Conv Sec ETF | New | 0.07% | +0.07 |
| JNJ Johnson & Johnson | Add +2.8% | 0.44% | +0.07 |
| LRCX Lam Research Corp. | Add +28.5% | 0.16% | +0.07 |
| EMB iShares JP Morgan Usd Emergi | New | 0.06% | +0.06 |
| WDC Western Digital Corp. | New | 0.06% | +0.06 |
| RYAAY Ryanair Holdings PLC-SP ADR | New | 0.06% | +0.06 |
| BBY Best Buy Co. Inc. | New | 0.05% | +0.05 |
| HYG Ishr Ibx Usd Hiyld CB ETF-Ui | Add +13.9% | 0.68% | +0.05 |
| BVN Cia DE Minas Buenaventur-ADR | New | 0.05% | +0.05 |
| AAON Aaon Inc. | New | 0.05% | +0.05 |
| SBSW Sibanye-Stillwater Ltd.-ADR | New | 0.05% | +0.05 |
| VST Vistra Corp. | Add +87.9% | 0.11% | +0.05 |
| PRDO Perdoceo Education Corp. | New | 0.05% | +0.05 |
| BABA Alibaba Group Holding-SP ADR | New | 0.05% | +0.05 |
| HPE Hewlett Packard Enterprise | New | 0.05% | +0.05 |
| PCOR Procore Technologies Inc. | New | 0.05% | +0.05 |
| HAS Hasbro Inc. | New | 0.05% | +0.05 |
| PPL PPL Corp. | New | 0.05% | +0.05 |
| ITRI Itron Inc. | New | 0.05% | +0.05 |
| INTA Intapp Inc. | New | 0.05% | +0.05 |
| VNT Vontier Corp. | New | 0.04% | +0.04 |
| VIV Telefonica Brasil-ADR | New | 0.04% | +0.04 |
| PHM Pultegroup Inc. | New | 0.04% | +0.04 |
| NE Noble Corp. PLC | New | 0.04% | +0.04 |
All Filings
| Quarter | Positions | 13F Reported Value | Top Holdings |
|---|---|---|---|
| Q2 2026 | 529 | $691.9M | CB, AAPL, GOOG, BALT, NVDA |
| Q1 2026 | 520 | $711.9M | CB, AAPL, PJAN, BALT, GOOGL |
| Q4 2025 | 504 | $629.8M | CB, AAPL, GOOGL, MSFT, NVDA |
| Q3 2025 | 495 | $569.9M | CB, AAPL, MSFT, NVDA, IWM |
| Q2 2025 | 481 | $540.5M | CB, AAPL, MSFT, NVDA, AMZN |
| Q1 2025 | 448 | $492.5M | CB, AAPL, AMZN, MSFT, UWM |
| Q4 2024 | 457 | $508.2M | CB, AAPL, UWM, AMZN, MSFT |
| Q3 2024 | 560 | $715.5M | CB, AAPL, PJUL, EFA, AMZN |
| Q2 2024 | 530 | $650.6M | CB, AAPL, PAPR, EFA, MSFT |
| Q1 2024 | 540 | $640.6M | CB, IWM, PMAR, AAPL, MSFT |