Personal Cfo Solutions, LLC
In its 13F for Q4 2025 (holdings as of December 31, 2025, filed January 22, 2026), Personal Cfo Solutions, LLC reported 504 stock positions worth $629.8 million. Its top holding was Chubb (CB) at 9.6% of the portfolio, followed by Apple (AAPL, 6.1%) and Alphabet Class A (GOOGL, 2.9%). Compared with Q3 2025, it opened 36 new positions, sold out of 27, added to 252 and reduced 210. The biggest buy was a new position in Thornburg Multi Sector B ETF (TMB) and the biggest sale iShares Russell 2000 ETF (IWM, shares −6%).
- Most Recent 13F
- Q2 2026
- Location
- CHESTER, NJ
- CIK
- 0001677501
- Portfolio Value
- $629.8M (Q4 2025)
- SEC Filing
- 0001677501-26-000002 ↗ filed Jan 22, 2026
Holdings Value
Holdings 504 stocks · $629.8M
| CB Chubb Ltd. | 9.57% | 193,025 | $60.2M | Reduce -0.1% |
| AAPL Apple Inc. | 6.07% | 140,740 | $38.3M | Add +32.3% |
| GOOGL Alphabet Inc. Class A | 2.90% | 58,417 | $18.3M | Reduce -0.3% |
| MSFT Microsoft Corp. | 2.74% | 35,655 | $17.2M | Add +2.8% |
| NVDA Nvidia Corp. | 2.62% | 88,624 | $16.5M | Add +7.1% |
| AMZN Amazon.com Inc. | 2.38% | 64,868 | $15.0M | Add +7.3% |
| IWM iShares Russell 2000 ETF | 2.31% | 59,141 | $14.6M | Reduce -6.0% |
| GOOG Alphabet Inc. Class C | 1.93% | 38,704 | $12.1M | Add +10.3% |
| TMB Thornburg Multi Sector B ETF | 1.82% | 447,977 | $11.5M | New |
| ITT Itt Inc. | 1.64% | 59,384 | $10.3M | Add +0.2% |
| FNCL Fidelity MSCI Financial Indx | 1.44% | 116,387 | $9.0M | Reduce -1.7% |
| IWF iShares Russell 1000 Growth | 1.38% | 18,329 | $8.7M | New |
| SPY SS SPDR S&P 500 ETF Trust-US | 1.02% | 9,416 | $6.4M | Add +3.8% |
| AVGO Broadcom Inc. | 0.94% | 17,112 | $5.9M | Add +2.8% |
| EFG iShares MSCI Eafe Growth ETF | 0.93% | 51,249 | $5.8M | New |
| BRK.B Berkshire Hathaway Inc. Class B | 0.88% | 11,023 | $5.5M | Add +5.4% |
| IQLT iShares MSCI International Q | 0.87% | 120,551 | $5.5M | Add +4.3% |
| GLD SPDR Gold Shares | 0.84% | 13,408 | $5.3M | Add +0.5% |
| LLY Eli Lilly & Co. | 0.79% | 4,635 | $5.0M | Add +6.5% |
| TSM Taiwan Semiconductor-SP ADR | 0.78% | 16,255 | $4.9M | Add +2.7% |
| SCHD Schwab US DVD Equity ETF | 0.77% | 175,888 | $4.8M | Reduce -10.2% |
| V Visa Inc. Class A | 0.71% | 12,795 | $4.5M | Add +2.0% |
| TSLA Tesla Inc. | 0.71% | 9,888 | $4.4M | Add +0.5% |
| META Meta Platforms Inc. Class A | 0.70% | 6,666 | $4.4M | Add +8.3% |
| BA The Boeing Co. | 0.65% | 18,724 | $4.1M | Reduce -0.9% |
| MA Mastercard Inc. Class A | 0.64% | 7,099 | $4.1M | Reduce -1.5% |
| HYG Ishr Ibx Usd Hiyld CB ETF-Ui | 0.62% | 48,051 | $3.9M | Add +0.6% |
| CVX Chevron Corp. | 0.61% | 25,189 | $3.8M | Add +1.9% |
| XOM Exxon Mobil Corp. | 0.60% | 31,156 | $3.7M | Add +2.9% |
| JPM JPMorgan Chase & Co. | 0.53% | 10,304 | $3.3M | Reduce -2.7% |
| AXP American Express Co. | 0.52% | 8,850 | $3.3M | Reduce -4.9% |
| ORCL Oracle Corp. | 0.50% | 16,185 | $3.2M | Reduce -2.8% |
| RTX RTX Corp. | 0.47% | 16,082 | $2.9M | Reduce -0.2% |
| JNJ Johnson & Johnson | 0.45% | 13,554 | $2.8M | Add +0.8% |
| VZ Verizon Communications Inc. | 0.44% | 67,823 | $2.8M | Add +0.3% |
| CBRE CBRE Group Inc. Class A | 0.44% | 17,166 | $2.8M | Reduce -1.3% |
| MO Altria Group Inc. | 0.43% | 47,293 | $2.7M | Reduce -0.7% |
| MRK Merck & Co. Inc. | 0.41% | 24,439 | $2.6M | Reduce -0.0% |
| SHOP Shopify Inc. Class A | 0.41% | 15,868 | $2.6M | Add +9.6% |
| GS Goldman Sachs Group Inc. | 0.38% | 2,721 | $2.4M | Add +2.8% |
| PM Philip Morris International | 0.37% | 14,689 | $2.4M | Add +2.2% |
| ASML ASML Holding NV-NY Reg SHS | 0.37% | 2,167 | $2.3M | Add +2.8% |
| GE General Electric filed as GE AEROSPACE | 0.36% | 7,270 | $2.2M | Add +1.2% |
| PLTR Palantir Technologies Inc. Class A | 0.35% | 12,492 | $2.2M | Add +3.7% |
| NFLX Netflix Inc. | 0.35% | 23,448 | $2.2M | Reduce -19.8% |
| T AT&T Inc. | 0.35% | 88,064 | $2.2M | Reduce -4.5% |
| GD General Dynamics Corp. | 0.34% | 6,406 | $2.2M | Reduce -0.5% |
| IGV iShares Expanded Tech-Softwa | 0.34% | 20,297 | $2.1M | Add +3.1% |
| WMT Walmart Inc. | 0.34% | 18,957 | $2.1M | Add +8.0% |
| MCK McKesson Corp. | 0.33% | 2,524 | $2.1M | Add +6.4% |
| BAC Bank of America Corp. filed as BANK AMERICA CORP | 0.32% | 36,958 | $2.0M | Add +0.0% |
| SKYY First Trust Cloud Computing | 0.32% | 15,374 | $2.0M | Reduce -14.7% |
| SE Sea Ltd.-ADR | 0.31% | 15,363 | $2.0M | Add +3.1% |
| NOW ServiceNow Inc. | 0.31% | 12,735 | $2.0M | Add +9.8% |
| XLE SS Energy Select Sector | 0.30% | 42,939 | $1.9M | Reduce -0.7% |
| AZN Astrazeneca PLC-Spons ADR | 0.29% | 20,145 | $1.9M | Add +7.8% |
| COF Capital One Financial Corp. | 0.28% | 7,358 | $1.8M | Add +5.8% |
| INTU Intuit Inc. | 0.28% | 2,683 | $1.8M | Reduce -0.1% |
| KO The Coca-Cola Co. | 0.28% | 25,179 | $1.8M | Add +9.5% |
| AON Aon PLC Class A | 0.28% | 4,937 | $1.7M | Reduce -5.0% |
| PFE Pfizer Inc. | 0.27% | 68,466 | $1.7M | Reduce -1.0% |
| JNK SS SPDR BB High Yield Bond | 0.27% | 17,260 | $1.7M | Add +1.0% |
| WRB WR Berkley Corp. filed as BERKLEY W R CORP | 0.26% | 23,438 | $1.6M | Reduce -2.6% |
| SAP Sap SE-Sponsored ADR | 0.26% | 6,653 | $1.6M | Reduce -21.3% |
| QCOM Qualcomm Inc. | 0.25% | 9,342 | $1.6M | Add +0.1% |
| STX Seagate Technology Holdings | 0.25% | 5,734 | $1.6M | Reduce -7.8% |
| IBM Intl Business Machines Corp. filed as INTERNATIONAL BUSINESS MACHS | 0.24% | 5,210 | $1.5M | Reduce -2.5% |
| IWD iShares Russell 1000 Value E | 0.24% | 7,317 | $1.5M | New |
| UNH Unitedhealth Group Inc. | 0.24% | 4,649 | $1.5M | Reduce -13.9% |
| WFC Wells Fargo & Co. | 0.24% | 16,047 | $1.5M | Reduce -2.6% |
| ABT Abbott Laboratories | 0.24% | 11,846 | $1.5M | Reduce -18.0% |
| ABBV Abbvie Inc. | 0.23% | 6,422 | $1.5M | Add +2.2% |
| UBER Uber Technologies Inc. | 0.23% | 17,810 | $1.5M | Add +2.3% |
| CSCO Cisco Systems Inc. | 0.23% | 18,808 | $1.4M | Add +9.7% |
| C Citigroup Inc. | 0.23% | 12,369 | $1.4M | Add +9.5% |
| YUM Yum! Brands Inc. | 0.23% | 9,534 | $1.4M | Add +32.2% |
| ADBE Adobe Inc. | 0.23% | 4,085 | $1.4M | Reduce -7.6% |
| REGN Regeneron Pharmaceuticals | 0.23% | 1,852 | $1.4M | Add +9.5% |
| CMCSA Comcast Corp. Class A | 0.22% | 47,229 | $1.4M | Reduce -2.8% |
| D Dominion Energy Inc. | 0.22% | 23,986 | $1.4M | Add +3.4% |
| PG The Procter & Gamble Co. | 0.22% | 9,798 | $1.4M | Add +18.2% |
| OMC Omnicom Group | 0.22% | 16,956 | $1.4M | Add +137.7% |
| APP AppLovin Corp. Class A | 0.21% | 2,002 | $1.3M | Add +7.9% |
| BMY Bristol-Myers Squibb Co. | 0.21% | 24,998 | $1.3M | Reduce -10.1% |
| ET Energy Transfer LP | 0.21% | 79,905 | $1.3M | Add +0.0% |
| VUG Vanguard Mrngstar GR ETF-Sui | 0.21% | 2,700 | $1.3M | Reduce -0.7% |
| ISRG Intuitive Surgical Inc. | 0.21% | 2,321 | $1.3M | Add +128.7% |
| LIN Linde PLC | 0.21% | 3,071 | $1.3M | Reduce -11.6% |
| CARR Carrier Global Corp. | 0.21% | 24,490 | $1.3M | Add +16.9% |
| COST Costco Wholesale Corp. | 0.20% | 1,483 | $1.3M | Reduce -8.9% |
| ZTS Zoetis Inc. | 0.20% | 10,167 | $1.3M | Add +1.2% |
| NKE Nike Inc. Class B | 0.20% | 19,916 | $1.3M | Add +0.7% |
| ACN Accenture PLC Class A | 0.20% | 4,715 | $1.3M | Reduce -0.1% |
| TJX TJX Companies Inc. filed as TJX COS INC NEW | 0.20% | 8,108 | $1.2M | Reduce -6.8% |
| SNPS Synopsys Inc. | 0.20% | 2,646 | $1.2M | Add +0.5% |
| TMO Thermo Fisher Scientific Inc. | 0.20% | 2,134 | $1.2M | Add +5.3% |
| SCHW Schwab (charles) Corp. | 0.19% | 12,007 | $1.2M | Add +6.3% |
| EXPE Expedia Group Inc. | 0.19% | 4,199 | $1.2M | Add +24.8% |
| SO The Southern Co. | 0.19% | 13,615 | $1.2M | Reduce -4.2% |
| MSCI MSCI Inc. | 0.18% | 2,023 | $1.2M | Reduce -5.0% |
Portfolio Sells Q3 2025 → Q4 2025
| IWM iShares Russell 2000 ETF | Reduce -6.0% | 2.31% | −0.36 |
| ORCL Oracle Corp. | Reduce -2.8% | 0.50% | −0.32 |
| NFLX Netflix Inc. | Reduce -19.8% | 0.35% | −0.27 |
| SCHD Schwab US DVD Equity ETF | Reduce -10.2% | 0.77% | −0.17 |
| FNCL Fidelity MSCI Financial Indx | Reduce -1.7% | 1.44% | −0.15 |
| SAP Sap SE-Sponsored ADR | Reduce -21.3% | 0.26% | −0.14 |
| MO Altria Group Inc. | Reduce -0.7% | 0.43% | −0.12 |
| IPG Interpublic Group of Cos Inc. | Sold out | 0.00% | −0.12 |
| T AT&T Inc. | Reduce -4.5% | 0.35% | −0.11 |
| SKYY First Trust Cloud Computing | Reduce -14.7% | 0.32% | −0.11 |
| ABT Abbott Laboratories | Reduce -18.0% | 0.24% | −0.10 |
| SPOT Spotify Technology SA | Reduce -13.8% | 0.18% | −0.10 |
| WDAY Workday Inc. Class A | Reduce -68.6% | 0.03% | −0.10 |
| UNH Unitedhealth Group Inc. | Reduce -13.9% | 0.24% | −0.08 |
| LIN Linde PLC | Reduce -11.6% | 0.21% | −0.08 |
| MA Mastercard Inc. Class A | Reduce -1.5% | 0.64% | −0.08 |
| MELI MercadoLibre Inc. | Reduce -15.0% | 0.14% | −0.07 |
| BA The Boeing Co. | Reduce -0.9% | 0.65% | −0.07 |
| PAYC Paycom Software Inc. | Reduce -29.6% | 0.07% | −0.07 |
| EBAY eBay Inc. | Sold out | 0.00% | −0.07 |
| WRB WR Berkley Corp. | Reduce -2.6% | 0.26% | −0.06 |
| COST Costco Wholesale Corp. | Reduce -8.9% | 0.20% | −0.06 |
| PANW Palo Alto Networks Inc. | Sold out | 0.00% | −0.06 |
| CPNG Coupang Inc. | Reduce -1.4% | 0.11% | −0.06 |
| JPM JPMorgan Chase & Co. | Reduce -2.7% | 0.53% | −0.06 |
| AL Sumisho Air Lease Corp. | Sold out | 0.00% | −0.06 |
| CSGP Costar Group Inc. | Reduce -7.1% | 0.12% | −0.06 |
| MDLZ Mondelez International Inc. Class A | Reduce -36.5% | 0.06% | −0.06 |
| MPC Marathon Petroleum Corp. | Reduce -3.6% | 0.15% | −0.06 |
| CBT Cabot Corp. | Sold out | 0.00% | −0.05 |
| JEPI JPMorgan Equity Premium Inco | Reduce -26.5% | 0.11% | −0.05 |
| STE Steris PLC | Sold out | 0.00% | −0.05 |
| NSC Norfolk Southern Corp. | Reduce -11.1% | 0.18% | −0.05 |
| AON Aon PLC Class A | Reduce -5.0% | 0.28% | −0.05 |
| SO The Southern Co. | Reduce -4.2% | 0.19% | −0.05 |
| LEN Lennar Corp. Class A | Reduce -4.3% | 0.11% | −0.05 |
| ADBE Adobe Inc. | Reduce -7.6% | 0.23% | −0.05 |
| CMCSA Comcast Corp. Class A | Reduce -2.8% | 0.22% | −0.04 |
| GRFS Grifols SA-ADR | Sold out | 0.00% | −0.04 |
| GD General Dynamics Corp. | Reduce -0.5% | 0.34% | −0.04 |
| CBRE CBRE Group Inc. Class A | Reduce -1.3% | 0.44% | −0.04 |
| WTW Willis Towers Watson PLC | Sold out | 0.00% | −0.04 |
| KT KT Corp.-SP ADR | Sold out | 0.00% | −0.04 |
| CNXC Concentrix Corp. | Sold out | 0.00% | −0.04 |
| PRGO Perrigo Co. PLC | Sold out | 0.00% | −0.04 |
| SLV iShares Silver Trust | Reduce -41.2% | 0.17% | −0.04 |
| SHOE Shoe Station Group Inc. | Sold out | 0.00% | −0.04 |
| YSG Yatsen Holding Ltd.-ADR | Sold out | 0.00% | −0.04 |
| CTVA Corteva Inc. | Reduce -11.3% | 0.16% | −0.04 |
| INTU Intuit Inc. | Reduce -0.1% | 0.28% | −0.04 |
Portfolio Buys Q3 2025 → Q4 2025
| TMB Thornburg Multi Sector B ETF | New | 1.82% | +1.82 |
| IWF iShares Russell 1000 Growth | New | 1.38% | +1.38 |
| AAPL Apple Inc. | Add +32.3% | 6.07% | +1.32 |
| EFG iShares MSCI Eafe Growth ETF | New | 0.93% | +0.93 |
| GOOG Alphabet Inc. Class C | Add +10.3% | 1.93% | +0.43 |
| IWD iShares Russell 1000 Value E | New | 0.24% | +0.24 |
| LLY Eli Lilly & Co. | Add +6.5% | 0.79% | +0.21 |
| ISRG Intuitive Surgical Inc. | Add +128.7% | 0.21% | +0.13 |
| OMC Omnicom Group | Add +137.7% | 0.22% | +0.12 |
| FERG Ferguson Enterprises Inc. | New | 0.12% | +0.12 |
| URTH iShares MSCI World ETF | New | 0.07% | +0.07 |
| CAH Cardinal Health Inc. | New | 0.07% | +0.07 |
| EXPE Expedia Group Inc. | Add +24.8% | 0.19% | +0.06 |
| REGN Regeneron Pharmaceuticals | Add +9.5% | 0.23% | +0.06 |
| ABVX Abivax SA-ADR | New | 0.06% | +0.06 |
| IWB iShares Russell 1000 ETF | New | 0.06% | +0.06 |
| MNST Monster Beverage Corp. | Add +125.5% | 0.09% | +0.05 |
| GMAB Genmab A/S -SP ADR | New | 0.05% | +0.05 |
| LUV Southwest Airlines Co. | New | 0.05% | +0.05 |
| AMZN Amazon.com Inc. | Add +7.3% | 2.38% | +0.05 |
| ARGX Argenx SE - ADR | New | 0.05% | +0.05 |
| TEVA Teva Pharmaceutical-SP ADR | New | 0.04% | +0.04 |
| CELH Celsius Holdings Inc. | New | 0.04% | +0.04 |
| SCHG Schwab US Large-Cap Growth | New | 0.04% | +0.04 |
| GWW WW Grainger Inc. | New | 0.04% | +0.04 |
| AMD Advanced Micro Devices | Add +19.2% | 0.14% | +0.04 |
| AZN Astrazeneca PLC-Spons ADR | Add +7.8% | 0.29% | +0.04 |
| MU Micron Technology Inc. | Add +6.1% | 0.11% | +0.04 |
| MMSI Merit Medical Systems Inc. | New | 0.04% | +0.04 |
| AS Amer Sports Inc. | New | 0.04% | +0.04 |
| GEF Greif Inc. Class A | New | 0.04% | +0.04 |
| KMX Carmax Inc. | New | 0.04% | +0.04 |
| CWK Cushman & Wakefield Ltd. | New | 0.04% | +0.04 |
| LOB Live Oak Bancshares Inc. | New | 0.04% | +0.04 |
| YUM Yum! Brands Inc. | Add +32.2% | 0.23% | +0.04 |
| COO The Cooper Cos Inc. | New | 0.04% | +0.04 |
| ILMN Illumina Inc. | New | 0.04% | +0.04 |
| CNC Centene Corp. | New | 0.04% | +0.04 |
| RDDT Reddit Inc. Class A | New | 0.03% | +0.03 |
| FITB Fifth Third Bancorp | New | 0.03% | +0.03 |
| GEN Gen Digital Inc. | New | 0.03% | +0.03 |
| CTSH Cognizant Tech Solutions-A | New | 0.03% | +0.03 |
| MOG.A Moog Inc. Class A | New | 0.03% | +0.03 |
| CL Colgate-Palmolive Co. | New | 0.03% | +0.03 |
| IR Ingersoll-Rand Inc. | New | 0.03% | +0.03 |
| EE Excelerate Energy Inc. Class A | New | 0.03% | +0.03 |
| BMI Badger Meter Inc. | New | 0.03% | +0.03 |
| ELS Equity Lifestyle Properties | New | 0.03% | +0.03 |
| WELL Welltower Inc. | Add +46.9% | 0.11% | +0.03 |
| NWG Natwest Group PLC -Spon ADR | New | 0.03% | +0.03 |
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 |