Pillar Financial Advisors, LLC

In its 13F for Q4 2025 (holdings as of December 31, 2025, filed February 2, 2026), Pillar Financial Advisors, LLC reported 111 stock positions worth $165.8 million. Its top holding was Dimensional US Small Cap ETF (DFAS) at 12.0% of the portfolio, followed by Dimensional US Eq MKT ETF (DFUS, 11.8%) and Dimensional International (DFIC, 11.0%). Compared with Q3 2025, it opened 8 new positions, sold out of 14, added to 15 and reduced 18. The biggest buy was Dimension Ultrashort Fi ETF (DUSB, shares +15%) and the biggest sale Dimensional US Eq MKT ETF (DFUS, shares −1%).

Most Recent 13F
Q2 2026
Location
LOUISVILLE, KY
CIK
0002054958
Portfolio Value
$165.8M (Q4 2025)
SEC Filing
0001398344-26-001791 ↗ filed Feb 2, 2026

Holdings Value

0$50.0M$100.0M$150.0M$200.0M Q4 2024: $130.6M Q4 2024 Q1 2025: $134.2M Q1 2025 Q2 2025: $144.8M Q2 2025 Q3 2025: $159.2M Q3 2025 Q4 2025: $165.8M $165.8M Q4 2025 Q1 2026: $171.1M Q1 2026 Q2 2026: $191.2M Q2 2026

Holdings 111 stocks · $165.8M
DFAS Dimensional US Small Cap ETF 11.99% 285,337 $19.9M Add +0.9%
DFUS Dimensional US Eq MKT ETF 11.80% 263,856 $19.6M Reduce -1.5%
DFIC Dimensional International Co. 11.02% 530,462 $18.3M Add +2.5%
DUSB Dimension Ultrashort Fi ETF 9.88% 323,503 $16.4M Add +15.0%
DFUV Dimensional US Marketwide Va 9.53% 339,248 $15.8M Reduce -3.5%
DFLV Dim US Large Cap Value ETF 5.96% 288,829 $9.9M Add +6.9%
DFAT Dimensional US Target Value 5.35% 148,912 $8.9M Reduce -3.3%
DFAR Dimensional US Real Est ETF 4.32% 312,893 $7.2M Add +14.2%
DFSV Dimensional US Small Cap Val 3.56% 179,654 $5.9M Add +6.1%
DFEM Dimensional Emrg MRKT Core 2.81% 140,799 $4.7M Add +0.4%
MGK Vngrd Mrgstr MG CP GR ETF-Ui 2.36% 9,477 $3.9M Reduce -2.0%
DFIV Dimensional International Va 2.22% 73,864 $3.7M No change
VUSB Vanguard Ultra Short Bond Et 2.13% 70,966 $3.5M Reduce -7.4%
VTV Vanguard Mrngstr Val ETF-Aui 1.89% 16,384 $3.1M Add +2.0%
VBR Vngrd Mrngst SL-CP Val ETF-U 1.72% 13,500 $2.9M No change
VBK Van Morst SML-Cap Gro-Usd Inc. 1.65% 9,073 $2.7M No change
DFSD Dimensional Short Duration 1.11% 38,248 $1.8M Reduce -5.7%
BIV Vanguard Intermediate-Term B 1.09% 23,247 $1.8M Reduce -0.8%
DFAI Dimensional International Co. 0.68% 29,541 $1.1M Reduce -1.8%
VEA Vanguard Ftse Developed ETF 0.66% 17,596 $1.1M Add +1.0%
VTES Vanguard SH Term Tax-Ex Bond 0.59% 9,698 $985K Add +13.8%
VWO Vanguard Ftse Emerging Marke 0.56% 17,173 $923K Add +0.3%
CNS Cohen & Steers Inc. 0.53% 14,008 $879K No change
VUG Vanguard Mrngstar GR ETF-Sui 0.51% 1,748 $853K Reduce -1.1%
IWF iShares Russell 1000 Growth 0.37% 1,290 $611K No change
VCSH Vanguard S/T Corp. Bond ETF 0.36% 7,540 $601K Reduce -25.4%
VOO Vanguard S&P 500 ETF 0.35% 928 $582K No change
VTIP Vanguard Short-Term Tips 0.32% 10,864 $537K Reduce -14.2%
GNMA iShares Gnma Bond ETF 0.32% 11,742 $523K No change
VEU Vanguard Ftse All-World Ex-U 0.30% 6,802 $500K No change
MGV Vngrd Mrgstr MG CP VL ETF-Ui 0.30% 3,510 $495K No change
VTI VG Morningstar TS MKT ETF-US 0.29% 1,427 $478K Add +1.8%
IAU iShares Gold Trust 0.28% 5,670 $460K No change
VB Vanguard Most SM-Cap ETF-Usd 0.25% 1,619 $418K Reduce -0.6%
BND Vanguard Total Bond Market 0.22% 4,905 $363K No change
DFAW Dimensional World Eqty ETF 0.22% 4,885 $361K Add +4.6%
DFAC Dimensional US Core Equity 2 0.18% 7,461 $295K Add +0.1%
IWD iShares Russell 1000 Value E 0.17% 1,337 $281K No change
RBCAA Republic Bancorp Inc. Class A 0.16% 3,944 $272K No change
DFAE Dimensional Emerging Core Eq 0.16% 8,219 $268K No change
VBIL Vanguard 0-3M T-Bill ETF 0.14% 3,031 $229K New
VSS Vanguard Ftse All Wo X-US SC 0.10% 1,209 $173K No change
IJH iShares Core S&P Midcap ETF 0.09% 2,285 $151K No change
DISV Dimensional International SM 0.08% 3,680 $140K Reduce -10.4%
ABBV Abbvie Inc. 0.08% 600 $137K No change
DFAU Dimensional US Core Equity M 0.08% 2,865 $134K Reduce -20.3%
IWM iShares Russell 2000 ETF 0.08% 543 $134K No change
VXUS Vanguard Total Intl Stock 0.08% 1,737 $131K Reduce -2.1%
DFIS Dimensional International SM 0.08% 3,903 $129K Reduce -10.0%
VCIT Vanguard Int-Term Corporate 0.07% 1,400 $117K No change
FDL First Trust Morn DVD Lead Inc. 0.07% 2,625 $116K No change
VV Vngrd Mrgstr LRG-Cap ETF-Usd 0.07% 353 $111K No change
IOO iShares Global 100 ETF 0.06% 845 $107K No change
AEE Ameren Corporation 0.06% 1,041 $104K No change
SYBT Stock Yards Bancorp Inc. 0.06% 1,575 $102K No change
IEFA iShares Core MSCI Eafe ETF 0.06% 1,086 $97K No change
WPC WP Carey Inc. 0.06% 1,489 $96K No change
IVE iShares S&P 500 Value ETF 0.06% 450 $95K No change
AAPL Apple Inc. 0.05% 320 $87K Reduce -2.1%
FTC First Trust Large Cap Growth 0.04% 435 $70K No change
CVS CVS Health Corp. 0.02% 500 $40K No change
KMI Kinder Morgan Inc. 0.02% 1,400 $38K No change
DFAX Dimensional World Ex US Core 0.02% 1,139 $37K Add +0.4%
VO Vngrd Mrngstr MD-Cap ETF-Usd 0.02% 127 $37K No change
EEM iShares MSCI Emerging Market 0.02% 673 $37K No change
D Dominion Energy Inc. 0.02% 600 $35K No change
TMO Thermo Fisher Scientific Inc. 0.02% 55 $32K No change
DEHP Dimensional Emrg MRK Hi Prof 0.02% 915 $30K No change
SCHF Schwab Intl Equity ETF 0.02% 1,174 $28K No change
FTEC Fidelity MSCI Info Tech Indx 0.01% 89 $20K No change
SCHA Schwab US Small-Cap ETF 0.01% 562 $16K No change
PCG P G & E Corp. 0.01% 924 $15K No change
SCHX Schwab US Large-Cap ETF 0.01% 441 $12K No change
SPYM Ste STR SPDR PT S&P 500 ETF 0.01% 147 $12K New
AGG iShares Core U.S. Aggregate 0.01% 118 $12K Reduce -28.1%
BUSE First Busey Corp. 0.01% 474 $11K No change
BLFS Biolife Solutions Inc. 0.01% 396 $10K No change
FHLC Fidelity MSCI Health Care 0.01% 128 $10K No change
SHM SS SPDR N Ice St Muni ETF 0.00% 166 $8K No change
SCHH Schwab US REIT ETF 0.00% 365 $8K No change
VXF Vanguard Extended Market ETF 0.00% 36 $8K No change
AEG Aegon Ltd.-NY Reg SHR 0.00% 930 $7K No change
FCOM Fidelity MSCI Comm Serv Indx 0.00% 97 $7K No change
MET Metlife Inc. 0.00% 83 $7K No change
VT Vanguard Tot World STK ETF 0.00% 41 $6K No change
ABNB Airbnb Inc. Class A 0.00% 35 $5K No change
KSS Kohls Corp. 0.00% 200 $4K No change
FNCL Fidelity MSCI Financial Indx 0.00% 51 $4K No change
SCHE Schwab Emrg Mrkts Eqty ETF 0.00% 111 $4K No change
MUB iShares National Muni Bond E 0.00% 33 $4K No change
FDIS Fidelity MSCI Cons Discr Ind 0.00% 34 $3K No change
VNQI Vanguard GLBL Ex-US Real Est 0.00% 73 $3K No change
NLOP Net Lease Office Property 0.00% 116 $3K No change
FSTA Fidelity MSCI Cons Stap Indx 0.00% 57 $3K No change
DBX Dropbox Inc. Class A 0.00% 100 $3K No change
EFV iShares MSCI Eafe Value ETF 0.00% 35 $3K No change
SPMD SS SPDR P S&P 400 Midcap ETF 0.00% 41 $2K New
SCHC Schwab Intl Small-Cap Equity 0.00% 50 $2K No change
ANGX Angel Studios Inc. 0.00% 385 $2K No change
FENY Fidelity MSCI Energy Index 0.00% 50 $1K No change

Show all 111 holdings

Portfolio Sells Q3 2025 → Q4 2025
DFUS Dimensional US Eq MKT ETF Reduce -1.5% 11.80% −0.38
DFUV Dimensional US Marketwide Va Reduce -3.5% 9.53% −0.33
DFAT Dimensional US Target Value Reduce -3.3% 5.35% −0.28
VUSB Vanguard Ultra Short Bond Et Reduce -7.4% 2.13% −0.27
VCSH Vanguard S/T Corp. Bond ETF Reduce -25.4% 0.36% −0.15
DFSD Dimensional Short Duration Reduce -5.7% 1.11% −0.12
MGK Vngrd Mrgstr MG CP GR ETF-Ui Reduce -2.0% 2.36% −0.09
VTIP Vanguard Short-Term Tips Reduce -14.2% 0.32% −0.08
BIV Vanguard Intermediate-Term B Reduce -0.8% 1.09% −0.06
DFAU Dimensional US Core Equity M Reduce -20.3% 0.08% −0.02
RDVY First Trust Rising Dividend Sold out 0.00% −0.02
VUG Vanguard Mrngstar GR ETF-Sui Reduce -1.1% 0.51% −0.02
UNH Unitedhealth Group Inc. Sold out 0.00% −0.02
FTCS First Trust Capital Strength Sold out 0.00% −0.01
DFIS Dimensional International SM Reduce -10.0% 0.08% −0.01
VB Vanguard Most SM-Cap ETF-Usd Reduce -0.6% 0.25% −0.01
DISV Dimensional International SM Reduce -10.4% 0.08% −0.01
DFAI Dimensional International Co. Reduce -1.8% 0.68% −0.01
FVD First Trust Value Line DVD Sold out 0.00% −0.01
QQEW First TR Nasdaq-100 Sel Eq Sold out 0.00% −0.01
DG Dollar General Corp. Sold out 0.00% −0.00
O Realty Income Corp. Sold out 0.00% −0.00
AGG iShares Core U.S. Aggregate Reduce -28.1% 0.01% −0.00
VXUS Vanguard Total Intl Stock Reduce -2.1% 0.08% −0.00
NKE Nike Inc. Class B Sold out 0.00% −0.00
FMC FMC Corp. Sold out 0.00% −0.00
DIA SS SPDR Dow Jones Indus Avg Sold out 0.00% −0.00
BKLN Invesco Senior Loan ETF Sold out 0.00% −0.00
NVCR Novocure Ltd. Sold out 0.00% −0.00
COOP Mr Cooper Group Inc. Sold out 0.00% −0.00
U Unity Software Inc. Sold out 0.00% −0.00
AAPL Apple Inc. Reduce -2.1% 0.05% +0.00

Portfolio Buys Q3 2025 → Q4 2025
DUSB Dimension Ultrashort Fi ETF Add +15.0% 9.88% +0.91
DFLV Dim US Large Cap Value ETF Add +6.9% 5.96% +0.38
DFIC Dimensional International Co. Add +2.5% 11.02% +0.36
DFAR Dimensional US Real Est ETF Add +14.2% 4.32% +0.22
DFSV Dimensional US Small Cap Val Add +6.1% 3.56% +0.18
VBIL Vanguard 0-3M T-Bill ETF New 0.14% +0.14
VTES Vanguard SH Term Tax-Ex Bond Add +13.8% 0.59% +0.05
VEA Vanguard Ftse Developed ETF Add +1.0% 0.66% +0.01
DFAW Dimensional World Eqty ETF Add +4.6% 0.22% +0.01
SPYM Ste STR SPDR PT S&P 500 ETF New 0.01% +0.01
VTV Vanguard Mrngstr Val ETF-Aui Add +2.0% 1.89% +0.01
SPMD SS SPDR P S&P 400 Midcap ETF New 0.00% +0.00
RKT Rocket Cos Inc. Class A New 0.00% +0.00
VWOB Vanguard Emerg MKTS Gov BND New 0.00% +0.00
BNDX Vanguard Total Intl Bond ETF New 0.00% +0.00
V Visa Inc. Class A New 0.00% +0.00
DFAX Dimensional World Ex US Core Add +0.4% 0.02% +0.00
IUSB Ishr CR Unvrse Usd BD ETF-Ui New 0.00% 0.00
VTI VG Morningstar TS MKT ETF-US Add +1.8% 0.29% −0.00
DFAC Dimensional US Core Equity 2 Add +0.1% 0.18% −0.00
DFEM Dimensional Emrg MRKT Core Add +0.4% 2.81% −0.02
VWO Vanguard Ftse Emerging Marke Add +0.3% 0.56% −0.03
DFAS Dimensional US Small Cap ETF Add +0.9% 11.99% −0.17

All Filings

QuarterPositions13F Reported ValueTop Holdings
Q2 2026 114$191.2MDFAS, DFUS, DFIC, DUSB, DFUV
Q1 2026 106$171.1MDFAS, DFUS, DFIC, DUSB, DFUV
Q4 2025 111$165.8MDFAS, DFUS, DFIC, DUSB, DFUV
Q3 2025 117$159.2MDFUS, DFAS, DFIC, DFUV, DUSB
Q2 2025 109$144.8MDFAS, DFUS, DFIC, DFUV, DUSB
Q1 2025 111$134.2MDFAS, DFUS, DFUV, DFIC, DUSB
Q4 2024 116$130.6MDFAS, DFUS, DFUV, DFIC, DUSB