Tobias Financial Advisors, Inc.

In its 13F for Q3 2025 (holdings as of September 30, 2025, filed November 3, 2025), Tobias Financial Advisors, Inc. reported 132 stock positions worth $658.2 million. Its top holding was SS SPDR P Agg Bond ETF (SPAB) at 14.5% of the portfolio, followed by iShares MSCI International Q (IQLT, 6.4%) and Invesco Nasdaq 100 ETF (QQQM, 5.9%). Compared with Q2 2025, it opened 14 new positions, sold out of 5, added to 66 and reduced 39. The biggest buy was a new position in SS Multi-Asset Real Ret ETF (RLY) and the biggest sale Wisdomtree Floating Rate Tre (USFR, shares −99%).

Most Recent 13F
Q2 2026
Location
Plantation, FL
CIK
0001802080
Portfolio Value
$658.2M (Q3 2025)
SEC Filing
0001172661-25-004533 ↗ filed Nov 3, 2025

Holdings Value

0$200.0M$400.0M$600.0M$800.0M Q1 2024: $441.4M Q1 2024 Q2 2024: $463.8M Q2 2024 Q3 2024: $498.9M Q3 2024 Q4 2024: $497.4M Q4 2024 Q1 2025: $514.9M Q1 2025 Q2 2025: $584.2M Q2 2025 Q3 2025: $658.2M $658.2M Q3 2025 Q4 2025: $707.9M Q4 2025 Q1 2026: $718.3M Q1 2026 Q2 2026: $787.3M Q2 2026

Holdings 132 stocks · $658.2M
SPAB SS SPDR P Agg Bond ETF 14.50% 3,692,751 $95.5M Add +6.1%
IQLT iShares MSCI International Q 6.40% 953,460 $42.1M Add +5.5%
QQQM Invesco Nasdaq 100 ETF 5.95% 158,431 $39.2M Add +1.0%
BSV Vanguard Short-Term Bond ETF 5.86% 488,484 $38.5M Add +3.9%
VUG Vanguard Mrngstar GR ETF-Sui 5.42% 74,391 $35.7M Reduce -1.0%
RLY SS Multi-Asset Real Ret ETF 4.52% 963,184 $29.7M New
IEMG iShares Core MSCI Emerging 3.71% 370,867 $24.4M Add +1017.2%
DFIV Dimensional International Va 3.30% 470,709 $21.7M Add +10.3%
VWO Vanguard Ftse Emerging Marke 3.10% 376,939 $20.4M Add +6.3%
QUAL iShares MSCI USA Quality Fac 2.98% 100,935 $19.6M Add +2.6%
DFLV Dim US Large Cap Value ETF 2.62% 524,775 $17.3M Add +14.6%
REZ Ishars Res and Multi Reales 2.34% 181,105 $15.4M Add +1.0%
JEPI JPMorgan Equity Premium Inco 2.31% 265,724 $15.2M Add +1.8%
DFIS Dimensional International SM 2.20% 457,377 $14.5M Add +9.6%
IWO iShares Russell 2000 Growth 2.08% 42,815 $13.7M Add +10.2%
IWF iShares Russell 1000 Growth 1.84% 25,910 $12.1M Reduce -0.6%
DFSV Dimensional US Small Cap Val 1.76% 363,976 $11.6M Add +25.2%
BND Vanguard Total Bond Market 1.59% 140,706 $10.5M Add +1.1%
DFUV Dimensional US Marketwide Va 1.43% 209,997 $9.4M Reduce -0.1%
SPYG SS SPDR P S&P 500 Growth ETF 1.34% 84,411 $8.8M Reduce -2.5%
CWI State Street SPDR MSCI Acwi 1.01% 190,908 $6.7M Reduce -0.4%
IVW iShares S&P 500 Growth ETF 1.01% 55,114 $6.7M Reduce -1.0%
AAPL Apple Inc. 0.89% 23,129 $5.9M Add +5.1%
AGG iShares Core U.S. Aggregate 0.89% 58,405 $5.9M Add +0.8%
DLN Wisdomtree US Largecap Divid 0.88% 66,877 $5.8M Reduce -1.5%
SUB iShares Short-Term National 0.76% 46,730 $5.0M Reduce -9.0%
VIGI Vanguard Int Div App Indx FD 0.68% 49,759 $4.5M Reduce -0.6%
QQQ Invesco QQQ Trust Series 1 0.63% 6,942 $4.2M Add +15.9%
GWX State Street SPDR S&P Intern 0.61% 99,926 $4.0M Reduce -1.2%
VTV Vanguard Mrngstr Val ETF-Aui 0.61% 21,426 $4.0M Add +0.7%
DWM Wisdomtree International Equ 0.56% 55,893 $3.7M Reduce -2.8%
EEM iShares MSCI Emerging Market 0.55% 67,884 $3.6M Reduce -1.4%
IWN iShares Russell 2000 Value E 0.54% 20,148 $3.6M Reduce -1.0%
IWD iShares Russell 1000 Value E 0.54% 17,388 $3.5M Add +1.4%
IJT iShares S&P Small-Cap 600 GR 0.52% 24,225 $3.4M Reduce -1.4%
VSS Vanguard Ftse All Wo X-US SC 0.50% 23,266 $3.3M Add +0.2%
VIG Vanguard Dividend Apprec ETF 0.49% 15,022 $3.2M Add +0.7%
NVDA Nvidia Corp. 0.49% 17,323 $3.2M Add +11.6%
IUSV iShares Core S&P U.S. Value 0.49% 32,038 $3.2M No change
SPEM State Street SP PTF Em ETF 0.48% 67,392 $3.2M Reduce -1.6%
MSFT Microsoft Corp. 0.48% 6,079 $3.1M Add +11.0%
IVE iShares S&P 500 Value ETF 0.46% 14,585 $3.0M Reduce -3.2%
EFA iShares MSCI Eafe ETF 0.44% 30,986 $2.9M Reduce -1.6%
AMZN Amazon.com Inc. 0.41% 12,198 $2.7M Add +6.0%
PWB Invesco Large Cap Growth ETF 0.38% 20,153 $2.5M Reduce -2.3%
IEFA iShares Core MSCI Eafe ETF 0.38% 28,529 $2.5M Add +1.4%
IVV iShares Core S&P 500 ETF 0.36% 3,563 $2.4M Reduce -20.1%
VBK Van Morst SML-Cap Gro-Usd Inc. 0.32% 7,159 $2.1M Reduce -0.1%
VBR Vngrd Mrngst SL-CP Val ETF-U 0.32% 10,086 $2.1M Reduce -0.7%
SPY SS SPDR S&P 500 ETF Trust-US 0.31% 3,068 $2.0M Add +15.7%
VEU Vanguard Ftse All-World Ex-U 0.28% 25,880 $1.8M Reduce -0.1%
AOA iShares Core 80/20 Aggressiv 0.26% 19,781 $1.7M Add +12.1%
SLYG SS SPDR S&P 600 SC GR ETF 0.26% 18,341 $1.7M Reduce -1.2%
DIA SS SPDR Dow Jones Indus Avg filed as SPDR DOW JONES INDL AVERAGE 0.25% 3,570 $1.7M Add +1.7%
SPYD SS SPDR P S&P 500 Hi Div ETF 0.23% 35,045 $1.5M Reduce -1.6%
IJS iShares S&P Small-Cap 600 Va 0.23% 13,759 $1.5M Reduce -1.8%
DFAT Dimensional US Target Value 0.23% 25,987 $1.5M Reduce -0.1%
GSLC Goldman Activebeta US LC ETF 0.21% 10,687 $1.4M No change
VEA Vanguard Ftse Developed ETF 0.20% 22,515 $1.3M Reduce -3.6%
EFV iShares MSCI Eafe Value ETF 0.20% 19,050 $1.3M Add +0.1%
V Visa Inc. Class A 0.19% 3,706 $1.3M Add +2.1%
VTWV Vanguard Russell 2000 Value 0.18% 7,661 $1.2M No change
SPYV SS SPDR P S&P 500 Value ETF 0.18% 21,247 $1.2M Add +7.4%
COST Costco Wholesale Corp. 0.17% 1,200 $1.1M Add +5.0%
VYM Vanguard High DVD Yield ETF 0.17% 7,712 $1.1M Add +5.4%
TSPA T Rowe Price US Eqy Research 0.16% 25,346 $1.1M Add +1.4%
WMT Walmart Inc. 0.16% 9,927 $1.0M Add +5.0%
META Meta Platforms Inc. Class A 0.15% 1,384 $1.0M Add +14.1%
SCZ iShares MSCI Eafe Small-Cap 0.15% 13,008 $998K Reduce -3.8%
GOOG Alphabet Inc. Class C 0.15% 4,091 $996K Add +5.4%
JNJ Johnson & Johnson 0.15% 5,256 $975K Add +7.7%
AVGO Broadcom Inc. 0.14% 2,741 $904K Add +40.9%
GOOGL Alphabet Inc. Class A 0.14% 3,656 $889K Add +5.9%
VOOV Vanguard S&P 500 Value ETF 0.13% 4,423 $882K Add +0.6%
VTWO Vanguard Russell 2000 ETF 0.12% 8,307 $813K Add +0.1%
HD Home Depot Inc. 0.12% 1,969 $798K Add +110.6%
VDC Vanguard Consumer Staple ETF 0.12% 3,664 $783K No change
JPM JPMorgan Chase & Co. 0.11% 2,397 $756K Add +15.6%
VTI VG Morningstar TS MKT ETF-US 0.11% 2,269 $745K Add +0.1%
SPG Simon Property Group Inc. 0.11% 3,747 $703K Reduce -0.8%
GLD SPDR Gold Shares 0.10% 1,809 $643K Add +1.0%
MA Mastercard Inc. Class A 0.09% 1,077 $613K Add +12.2%
NFLX Netflix Inc. 0.09% 500 $600K Add +8.2%
IYW iShares Ustechnology ETF 0.09% 3,032 $594K No change
JPST JPMorgan Ultra-Short Income 0.08% 10,402 $528K Reduce -8.4%
LLY Eli Lilly & Co. 0.08% 683 $521K Add +19.0%
FNDX Schwab Fndmntl US LRG Co. ETF 0.07% 17,910 $471K No change
XOM Exxon Mobil Corp. 0.07% 4,153 $468K Add +1.2%
ORCL Oracle Corp. 0.07% 1,663 $468K Reduce -5.5%
MUB iShares National Muni Bond E 0.07% 4,277 $455K Reduce -87.3%
SCHX Schwab US Large-Cap ETF 0.07% 16,881 $445K Reduce -0.0%
TT Trane Technologies PLC 0.06% 950 $401K Add +16.4%
BRK.B Berkshire Hathaway Inc. Class B 0.06% 786 $395K Add +8.4%
TSLA Tesla Inc. 0.06% 862 $383K Add +21.9%
IWR iShares Russell Mid-Cap ETF 0.06% 3,931 $380K Add +33.5%
ABBV Abbvie Inc. 0.06% 1,629 $377K New
VOO Vanguard S&P 500 ETF 0.06% 593 $363K Add +9.2%
VONV Vanguard Russell 1000 Value 0.05% 3,833 $343K No change
SLYV SS SPDR S&P 600 SC Val ETF 0.05% 3,537 $314K No change
CVX Chevron Corp. 0.04% 1,897 $295K New
WFC Wells Fargo & Co. 0.04% 3,390 $284K Add +12.2%
VZ Verizon Communications Inc. 0.04% 6,408 $282K New
USFR Wisdomtree Floating Rate Tre 0.04% 5,542 $279K Reduce -99.0%
BOND PIMCO Active Bond Exchange-T 0.04% 2,889 $270K Add +1.3%
IBIT iShares Bitcoin Trust ETF 0.04% 4,104 $267K Reduce -25.9%
IBM Intl Business Machines Corp. filed as INTERNATIONAL BUSINESS MACHS 0.04% 945 $267K New
AIZ Assurant Inc. 0.04% 1,226 $266K Add +2.2%
NEE Nextera Energy Inc. 0.04% 3,500 $264K Add +5.4%
VB Vanguard Most SM-Cap ETF-Usd 0.04% 1,039 $264K Reduce -9.0%
KIM Kimco Realty Corp. 0.04% 11,595 $253K Reduce -22.1%
SYK Stryker Corp. 0.04% 684 $253K Add +2.2%
LDUR PIMCO Enhanced Low Duration 0.04% 2,615 $251K Add +0.8%
VXUS Vanguard Total Intl Stock 0.04% 3,406 $250K Add +0.1%
KO The Coca-Cola Co. 0.04% 3,767 $250K Add +6.5%
DGRO iShares Core Dividend Growth 0.04% 3,653 $249K Add +0.5%
IEI iShares 3-7 Year Treasury Bo 0.04% 2,037 $243K No change
ETN Eaton Corp. PLC 0.04% 625 $234K Reduce -1.7%
PGR Progressive Corp. 0.04% 941 $232K Add +10.2%
IWM iShares Russell 2000 ETF 0.04% 954 $231K New
GS Goldman Sachs Group Inc. 0.03% 288 $229K No change
RTX RTX Corp. 0.03% 1,344 $225K New
NOC Northrop Grumman Corp. 0.03% 362 $221K New
UNH Unitedhealth Group Inc. 0.03% 638 $220K Reduce -16.9%
IJR iShares Core S&P Small-Cap E 0.03% 1,830 $217K New
ITB iShares U.S. Home Constructi 0.03% 1,976 $212K New
BAC Bank of America Corp. filed as BANK AMERICA CORP 0.03% 4,091 $211K New
AOR iShares Core 60/40 Balanced 0.03% 3,257 $210K New
VOT Vngrd Mrngstr MC GRW ETF-Usd 0.03% 705 $207K New
MESO Mesoblast Ltd.- Spon ADR 0.02% 10,000 $161K No change
ESRT Empire State Realty Trust-A 0.02% 14,188 $109K No change
ECOR Electrocore Inc. 0.01% 10,000 $50K No change
SKYX SKYX Platforms Corp. 0.00% 16,545 $19K New

Portfolio Sells Q2 2025 → Q3 2025
USFR Wisdomtree Floating Rate Tre Reduce -99.0% 0.04% −4.87
MUB iShares National Muni Bond E Reduce -87.3% 0.07% −0.53
VUG Vanguard Mrngstar GR ETF-Sui Reduce -1.0% 5.42% −0.22
SUB iShares Short-Term National Reduce -9.0% 0.76% −0.18
IVV iShares Core S&P 500 ETF Reduce -20.1% 0.36% −0.11
DFUV Dimensional US Marketwide Va Reduce -0.1% 1.43% −0.10
VIGI Vanguard Int Div App Indx FD Reduce -0.6% 0.68% −0.10
SPYG SS SPDR P S&P 500 Growth ETF Reduce -2.5% 1.34% −0.07
DLN Wisdomtree US Largecap Divid Reduce -1.5% 0.88% −0.07
DWM Wisdomtree International Equ Reduce -2.8% 0.56% −0.06
CWI State Street SPDR MSCI Acwi Reduce -0.4% 1.01% −0.06
IWF iShares Russell 1000 Growth Reduce -0.6% 1.84% −0.05
IVE iShares S&P 500 Value ETF Reduce -3.2% 0.46% −0.05
EFA iShares MSCI Eafe ETF Reduce -1.6% 0.44% −0.04
IEF iShares 7-10 Year Treasury B Sold out 0.00% −0.04
IJT iShares S&P Small-Cap 600 GR Reduce -1.4% 0.52% −0.04
IVW iShares S&P 500 Growth ETF Reduce -1.0% 1.01% −0.04
VGSH Vanguard Short-Term Treasury Sold out 0.00% −0.04
VV Vngrd Mrgstr LRG-Cap ETF-Usd Sold out 0.00% −0.04
DIS The Walt Disney Co. Sold out 0.00% −0.04
GWX State Street SPDR S&P Intern Reduce -1.2% 0.61% −0.03
PWB Invesco Large Cap Growth ETF Reduce -2.3% 0.38% −0.03
SPYD SS SPDR P S&P 500 Hi Div ETF Reduce -1.6% 0.23% −0.02
VEA Vanguard Ftse Developed ETF Reduce -3.6% 0.20% −0.02
SPEM State Street SP PTF Em ETF Reduce -1.6% 0.48% −0.02
CRGX Cargo Therapeutics Inc. Sold out 0.00% −0.02
SLYG SS SPDR S&P 600 SC GR ETF Reduce -1.2% 0.26% −0.02
VBR Vngrd Mrngst SL-CP Val ETF-U Reduce -0.7% 0.32% −0.02
JPST JPMorgan Ultra-Short Income Reduce -8.4% 0.08% −0.02
EEM iShares MSCI Emerging Market Reduce -1.4% 0.55% −0.02
IBIT iShares Bitcoin Trust ETF Reduce -25.9% 0.04% −0.02
VEU Vanguard Ftse All-World Ex-U Reduce -0.1% 0.28% −0.02
SCZ iShares MSCI Eafe Small-Cap Reduce -3.8% 0.15% −0.02
VBK Van Morst SML-Cap Gro-Usd Inc. Reduce -0.1% 0.32% −0.02
KIM Kimco Realty Corp. Reduce -22.1% 0.04% −0.02
DFAT Dimensional US Target Value Reduce -0.1% 0.23% −0.01
IWN iShares Russell 2000 Value E Reduce -1.0% 0.54% −0.01
UNH Unitedhealth Group Inc. Reduce -16.9% 0.03% −0.01
IJS iShares S&P Small-Cap 600 Va Reduce -1.8% 0.23% −0.01
VB Vanguard Most SM-Cap ETF-Usd Reduce -9.0% 0.04% −0.01
ETN Eaton Corp. PLC Reduce -1.7% 0.04% −0.00
SCHX Schwab US Large-Cap ETF Reduce -0.0% 0.07% −0.00
SPG Simon Property Group Inc. Reduce -0.8% 0.11% +0.00
ORCL Oracle Corp. Reduce -5.5% 0.07% +0.01

Portfolio Buys Q2 2025 → Q3 2025
RLY SS Multi-Asset Real Ret ETF New 4.52% +4.52
IEMG iShares Core MSCI Emerging Add +1017.2% 3.71% +3.37
DFSV Dimensional US Small Cap Val Add +25.2% 1.76% +0.30
DFLV Dim US Large Cap Value ETF Add +14.6% 2.62% +0.19
IWO iShares Russell 2000 Growth Add +10.2% 2.08% +0.18
DFIV Dimensional International Va Add +10.3% 3.30% +0.17
AAPL Apple Inc. Add +5.1% 0.89% +0.12
VWO Vanguard Ftse Emerging Marke Add +6.3% 3.10% +0.10
NVDA Nvidia Corp. Add +11.6% 0.49% +0.07
QQQ Invesco QQQ Trust Series 1 Add +15.9% 0.63% +0.07
DFIS Dimensional International SM Add +9.6% 2.20% +0.07
HD Home Depot Inc. Add +110.6% 0.12% +0.06
ABBV Abbvie Inc. New 0.06% +0.06
AVGO Broadcom Inc. Add +40.9% 0.14% +0.05
CVX Chevron Corp. New 0.04% +0.04
VZ Verizon Communications Inc. New 0.04% +0.04
IBM Intl Business Machines Corp. New 0.04% +0.04
IWM iShares Russell 2000 ETF New 0.04% +0.04
RTX RTX Corp. New 0.03% +0.03
GOOG Alphabet Inc. Class C Add +5.4% 0.15% +0.03
NOC Northrop Grumman Corp. New 0.03% +0.03
IJR iShares Core S&P Small-Cap E New 0.03% +0.03
ITB iShares U.S. Home Constructi New 0.03% +0.03
BAC Bank of America Corp. New 0.03% +0.03
AOR iShares Core 60/40 Balanced New 0.03% +0.03
VOT Vngrd Mrngstr MC GRW ETF-Usd New 0.03% +0.03
GOOGL Alphabet Inc. Class A Add +5.9% 0.14% +0.03
SPY SS SPDR S&P 500 ETF Trust-US Add +15.7% 0.31% +0.03
JNJ Johnson & Johnson Add +7.7% 0.15% +0.02
TSLA Tesla Inc. Add +21.9% 0.06% +0.02
AOA iShares Core 80/20 Aggressiv Add +12.1% 0.26% +0.01
JPM JPMorgan Chase & Co. Add +15.6% 0.11% +0.01
MSFT Microsoft Corp. Add +11.0% 0.48% +0.01
IWR iShares Russell Mid-Cap ETF Add +33.5% 0.06% +0.01
GLD SPDR Gold Shares Add +1.0% 0.10% +0.00
SKYX SKYX Platforms Corp. New 0.00% +0.00
LLY Eli Lilly & Co. Add +19.0% 0.08% +0.00
VOO Vanguard S&P 500 ETF Add +9.2% 0.06% +0.00
WFC Wells Fargo & Co. Add +12.2% 0.04% +0.00
SPYV SS SPDR P S&P 500 Value ETF Add +7.4% 0.18% +0.00
META Meta Platforms Inc. Class A Add +14.1% 0.15% +0.00
MA Mastercard Inc. Class A Add +12.2% 0.09% +0.00
NEE Nextera Energy Inc. Add +5.4% 0.04% +0.00
TT Trane Technologies PLC Add +16.4% 0.06% −0.00
AIZ Assurant Inc. Add +2.2% 0.04% −0.00
BRK.B Berkshire Hathaway Inc. Class B Add +8.4% 0.06% −0.00
VTWO Vanguard Russell 2000 ETF Add +0.1% 0.12% −0.00
VYM Vanguard High DVD Yield ETF Add +5.4% 0.17% −0.00
DGRO iShares Core Dividend Growth Add +0.5% 0.04% −0.00
VXUS Vanguard Total Intl Stock Add +0.1% 0.04% −0.00

All Filings

QuarterPositions13F Reported ValueTop Holdings
Q2 2026Amended 147$787.3MSPAB, IQLT, QQQM, BSV, RLY
Q1 2026 143$718.3MSPAB, IQLT, BSV, RLY, QQQM
Q4 2025 146$707.9MSPAB, IQLT, BSV, QQQM, VUG
Q3 2025 132$658.2MSPAB, IQLT, QQQM, BSV, VUG
Q2 2025 123$584.2MSPAB, IQLT, BSV, QQQM, VUG
Q1 2025 113$514.9MSPAB, BSV, IQLT, QQQM, VUG
Q4 2024 110$497.4MSPAB, QQQM, IEF, IQLT, VUG
Q3 2024 108$498.9MSPAB, USFR, IEF, IQLT, QQQM
Q2 2024 104$463.8MSPAB, USFR, IQLT, QQQM, IEF
Q1 2024 102$441.4MSPAB, IQLT, IEF, QQQM, USFR