Valpey Financial Services, LLC
In its 13F for Q3 2025 (holdings as of September 30, 2025, filed November 7, 2025), Valpey Financial Services, LLC reported 72 stock positions worth $152.8 million. Its top holding was Vanguard Mrngstar GR ETF-Sui (VUG) at 5.5% of the portfolio, followed by Vanguard Mrngstr Val ETF-Aui (VTV, 5.4%) and Schwab US Large-Cap Growth (SCHG, 5.2%). Compared with Q2 2025, it opened 5 new positions, added to 28 and reduced 37. The biggest buy was Apple (AAPL, shares +54%) and the biggest sale Schwab US Large-Cap Growth (SCHG, shares −5%).
- Most Recent 13F
- Q2 2026
- Location
- CONCORD, NH
- CIK
- 0002077991
- Portfolio Value
- $152.8M (Q3 2025)
- SEC Filing
- 0002077991-25-000003 ↗ filed Nov 7, 2025
Holdings Value
Holdings 72 stocks · $152.8M
| VUG Vanguard Mrngstar GR ETF-Sui | 5.47% | 17,422 | $8.4M | Reduce -3.5% |
| VTV Vanguard Mrngstr Val ETF-Aui | 5.36% | 43,904 | $8.2M | Add +0.8% |
| SCHG Schwab US Large-Cap Growth | 5.25% | 251,275 | $8.0M | Reduce -5.2% |
| BNDX Vanguard Total Intl Bond ETF | 4.27% | 131,887 | $6.5M | Add +5.3% |
| SCHV Schwab US Large-Cap Value | 3.95% | 207,445 | $6.0M | Add +0.3% |
| VXUS Vanguard Total Intl Stock | 3.81% | 79,337 | $5.8M | Reduce -0.7% |
| VEU Vanguard Ftse All-World Ex-U | 3.54% | 75,789 | $5.4M | Reduce -2.8% |
| SPDW Ste STR SPDR PT DW Eu ETF | 3.46% | 123,662 | $5.3M | Reduce -1.0% |
| SCHF Schwab Intl Equity ETF | 3.41% | 223,656 | $5.2M | Reduce -1.7% |
| BND Vanguard Total Bond Market | 3.26% | 67,069 | $5.0M | Add +3.0% |
| SCHO Schwab Short-Term US Treas | 3.22% | 201,812 | $4.9M | Add +6.8% |
| BSV Vanguard Short-Term Bond ETF | 3.09% | 59,850 | $4.7M | Add +4.5% |
| VO Vngrd Mrngstr MD-Cap ETF-Usd | 2.87% | 14,953 | $4.4M | Reduce -2.3% |
| SCHM Schwab US Mid Cap ETF | 2.75% | 141,937 | $4.2M | Reduce -0.3% |
| VBR Vngrd Mrngst SL-CP Val ETF-U | 2.75% | 20,118 | $4.2M | Reduce -3.8% |
| SCHZ Schwab US Aggregate Bond ETF | 2.40% | 156,521 | $3.7M | Add +4.5% |
| SCHA Schwab US Small-Cap ETF | 2.38% | 130,463 | $3.6M | Reduce -4.4% |
| IUSG iShares Core S&P U.S. Growth | 2.27% | 21,059 | $3.5M | Reduce -5.7% |
| VONV Vanguard Russell 1000 Value | 2.18% | 37,220 | $3.3M | Reduce -2.6% |
| IUSV iShares Core S&P U.S. Value | 1.91% | 29,153 | $2.9M | Reduce -3.4% |
| AGG iShares Core U.S. Aggregate | 1.88% | 28,608 | $2.9M | Add +2.2% |
| VTC Vanguard Total Corporate BND | 1.85% | 36,071 | $2.8M | Add +4.3% |
| TIP iShares Tips Bond ETF | 1.59% | 21,888 | $2.4M | Add +3.9% |
| BKLN Invesco Senior Loan ETF | 1.54% | 112,080 | $2.3M | Add +5.1% |
| IVOO Vanguard S&P Mid-Cap 400 ETF | 1.43% | 19,778 | $2.2M | Reduce -4.0% |
| VIOO Vanguard S&P Small-Cap 600 E | 1.37% | 18,895 | $2.1M | Reduce -2.4% |
| EFA iShares MSCI Eafe ETF | 1.34% | 21,859 | $2.0M | Reduce -0.4% |
| SPYV SS SPDR P S&P 500 Value ETF | 1.30% | 35,764 | $2.0M | Add +0.5% |
| SCHP Schwab U.S. Tips ETF | 1.23% | 69,827 | $1.9M | Add +5.3% |
| VONG Vanguard Russell 1000 Growth | 1.15% | 14,636 | $1.8M | Reduce -7.1% |
| IJH iShares Core S&P Midcap ETF | 1.12% | 26,161 | $1.7M | Reduce -1.5% |
| VWO Vanguard Ftse Emerging Marke | 0.94% | 26,465 | $1.4M | Reduce -0.1% |
| IJR iShares Core S&P Small-Cap E | 0.89% | 11,486 | $1.4M | Reduce -1.7% |
| SPY SS SPDR S&P 500 ETF Trust-US | 0.84% | 1,934 | $1.3M | Reduce -1.9% |
| MSFT Microsoft Corp. | 0.71% | 2,107 | $1.1M | Reduce -5.2% |
| IJS iShares S&P Small-Cap 600 Va | 0.68% | 9,407 | $1.0M | Reduce -0.9% |
| IAGG iShares Intl Aggregate Bond | 0.67% | 20,070 | $1.0M | Reduce -0.8% |
| SHY iShares 1-3 Year Treasury Bo | 0.66% | 12,135 | $1.0M | Add +4.8% |
| VEA Vanguard Ftse Developed ETF | 0.62% | 15,808 | $947K | Reduce -0.6% |
| VB Vanguard Most SM-Cap ETF-Usd | 0.60% | 3,615 | $919K | Reduce -2.0% |
| IDEV iShares Core MSCI Dev MKTS | 0.59% | 11,229 | $900K | Add +4.3% |
| AAPL Apple Inc. | 0.59% | 3,521 | $897K | Add +54.4% |
| IBM Intl Business Machines Corp. filed as INTERNATIONAL BUSINESS MACHS | 0.58% | 3,122 | $881K | No change |
| SPYG SS SPDR P S&P 500 Growth ETF | 0.52% | 7,651 | $800K | Add +2.5% |
| SPMD SS SPDR P S&P 400 Midcap ETF | 0.48% | 12,925 | $739K | Reduce -1.0% |
| SHV iShares 0-1 Year Treasury Bo | 0.48% | 6,644 | $734K | Reduce -2.1% |
| IVW iShares S&P 500 Growth ETF | 0.47% | 5,941 | $717K | Reduce -9.7% |
| VGSH Vanguard Short-Term Treasury | 0.42% | 10,998 | $647K | Add +16.0% |
| IUSB Ishr CR Unvrse Usd BD ETF-Ui | 0.42% | 13,653 | $638K | Add +2.1% |
| IVE iShares S&P 500 Value ETF | 0.40% | 2,949 | $609K | Reduce -1.2% |
| VUSB Vanguard Ultra Short Bond Et | 0.37% | 11,366 | $568K | Add +19.5% |
| SPSM SS SPDR P S&P 600 Small Cap | 0.32% | 10,624 | $492K | Add +5.3% |
| ILCG iShares Morningstar Growth E | 0.31% | 4,571 | $477K | Reduce -0.3% |
| IXUS iShares Core Intl Stock ETF | 0.31% | 5,765 | $476K | Reduce -2.8% |
| GIGB Goldman Sachs Inv GRD Corp. | 0.29% | 9,545 | $446K | Add +0.6% |
| XOM Exxon Mobil Corp. | 0.29% | 3,925 | $443K | Reduce -1.2% |
| AOK iShares Core 30/70 Conservat | 0.28% | 10,648 | $428K | Add +10.4% |
| JPM JPMorgan Chase & Co. | 0.28% | 1,340 | $423K | Reduce -17.3% |
| AOR iShares Core 60/40 Balanced | 0.27% | 6,488 | $418K | Reduce -1.2% |
| IWF iShares Russell 1000 Growth | 0.24% | 781 | $366K | Reduce -1.8% |
| SPLV Invesco S&P 500 Low Volatili | 0.24% | 4,935 | $363K | Add +0.5% |
| VCIT Vanguard Int-Term Corporate | 0.23% | 4,230 | $356K | Add +3.7% |
| FLRN SS SPDR BB Ig Float RT ETF | 0.20% | 10,112 | $312K | Add +5.7% |
| VTI VG Morningstar TS MKT ETF-US | 0.19% | 896 | $294K | Reduce -3.5% |
| SCHR Schwab Intermediate-Term US | 0.17% | 10,284 | $258K | New |
| AOA iShares Core 80/20 Aggressiv | 0.16% | 2,814 | $248K | Add +0.6% |
| GOOGL Alphabet Inc. Class A | 0.15% | 967 | $235K | New |
| BIV Vanguard Intermediate-Term B | 0.15% | 2,925 | $228K | Add +1.0% |
| HON Honeywell International Inc. | 0.15% | 1,070 | $225K | No change |
| IVV iShares Core S&P 500 ETF | 0.14% | 313 | $209K | New |
| IEMG iShares Core MSCI Emerging | 0.13% | 3,114 | $205K | New |
| IWD iShares Russell 1000 Value E | 0.13% | 1,006 | $205K | New |
Portfolio Sells Q2 2025 → Q3 2025
| SCHG Schwab US Large-Cap Growth | Reduce -5.2% | 5.25% | −0.10 |
| VO Vngrd Mrngstr MD-Cap ETF-Usd | Reduce -2.3% | 2.87% | −0.09 |
| VEU Vanguard Ftse All-World Ex-U | Reduce -2.8% | 3.54% | −0.08 |
| VONV Vanguard Russell 1000 Value | Reduce -2.6% | 2.18% | −0.08 |
| VBR Vngrd Mrngst SL-CP Val ETF-U | Reduce -3.8% | 2.75% | −0.07 |
| SCHF Schwab Intl Equity ETF | Reduce -1.7% | 3.41% | −0.07 |
| IUSV iShares Core S&P U.S. Value | Reduce -3.4% | 1.91% | −0.07 |
| IVOO Vanguard S&P Mid-Cap 400 ETF | Reduce -4.0% | 1.43% | −0.07 |
| IUSG iShares Core S&P U.S. Growth | Reduce -5.7% | 2.27% | −0.05 |
| MSFT Microsoft Corp. | Reduce -5.2% | 0.71% | −0.05 |
| JPM JPMorgan Chase & Co. | Reduce -17.3% | 0.28% | −0.05 |
| IAGG iShares Intl Aggregate Bond | Reduce -0.8% | 0.67% | −0.04 |
| SHV iShares 0-1 Year Treasury Bo | Reduce -2.1% | 0.48% | −0.04 |
| VONG Vanguard Russell 1000 Growth | Reduce -7.1% | 1.15% | −0.04 |
| SPDW Ste STR SPDR PT DW Eu ETF | Reduce -1.0% | 3.46% | −0.03 |
| IVW iShares S&P 500 Growth ETF | Reduce -9.7% | 0.47% | −0.03 |
| IJH iShares Core S&P Midcap ETF | Reduce -1.5% | 1.12% | −0.02 |
| EFA iShares MSCI Eafe ETF | Reduce -0.4% | 1.34% | −0.02 |
| VEA Vanguard Ftse Developed ETF | Reduce -0.6% | 0.62% | −0.01 |
| SPMD SS SPDR P S&P 400 Midcap ETF | Reduce -1.0% | 0.48% | −0.01 |
| SCHM Schwab US Mid Cap ETF | Reduce -0.3% | 2.75% | −0.01 |
| XOM Exxon Mobil Corp. | Reduce -1.2% | 0.29% | −0.01 |
| AOR iShares Core 60/40 Balanced | Reduce -1.2% | 0.27% | −0.01 |
| IXUS iShares Core Intl Stock ETF | Reduce -2.8% | 0.31% | −0.01 |
| IVE iShares S&P 500 Value ETF | Reduce -1.2% | 0.40% | −0.00 |
| SCHA Schwab US Small-Cap ETF | Reduce -4.4% | 2.38% | −0.00 |
| VUG Vanguard Mrngstar GR ETF-Sui | Reduce -3.5% | 5.47% | −0.00 |
| VXUS Vanguard Total Intl Stock | Reduce -0.7% | 3.81% | −0.00 |
| VB Vanguard Most SM-Cap ETF-Usd | Reduce -2.0% | 0.60% | −0.00 |
| VTI VG Morningstar TS MKT ETF-US | Reduce -3.5% | 0.19% | −0.00 |
| SPY SS SPDR S&P 500 ETF Trust-US | Reduce -1.9% | 0.84% | +0.00 |
| ILCG iShares Morningstar Growth E | Reduce -0.3% | 0.31% | +0.01 |
| IWF iShares Russell 1000 Growth | Reduce -1.8% | 0.24% | +0.01 |
| IJR iShares Core S&P Small-Cap E | Reduce -1.7% | 0.89% | +0.01 |
| VIOO Vanguard S&P Small-Cap 600 E | Reduce -2.4% | 1.37% | +0.01 |
| IJS iShares S&P Small-Cap 600 Va | Reduce -0.9% | 0.68% | +0.03 |
| VWO Vanguard Ftse Emerging Marke | Reduce -0.1% | 0.94% | +0.03 |
Portfolio Buys Q2 2025 → Q3 2025
| AAPL Apple Inc. | Add +54.4% | 0.59% | +0.26 |
| SCHR Schwab Intermediate-Term US | New | 0.17% | +0.17 |
| GOOGL Alphabet Inc. Class A | New | 0.15% | +0.15 |
| IVV iShares Core S&P 500 ETF | New | 0.14% | +0.14 |
| IEMG iShares Core MSCI Emerging | New | 0.13% | +0.13 |
| IWD iShares Russell 1000 Value E | New | 0.13% | +0.13 |
| VUSB Vanguard Ultra Short Bond Et | Add +19.5% | 0.37% | +0.04 |
| VGSH Vanguard Short-Term Treasury | Add +16.0% | 0.42% | +0.04 |
| SCHO Schwab Short-Term US Treas | Add +6.8% | 3.22% | +0.04 |
| VTV Vanguard Mrngstr Val ETF-Aui | Add +0.8% | 5.36% | +0.04 |
| SPYG SS SPDR P S&P 500 Growth ETF | Add +2.5% | 0.52% | +0.03 |
| SPSM SS SPDR P S&P 600 Small Cap | Add +5.3% | 0.32% | +0.02 |
| IDEV iShares Core MSCI Dev MKTS | Add +4.3% | 0.59% | +0.02 |
| AOK iShares Core 30/70 Conservat | Add +10.4% | 0.28% | +0.02 |
| SCHP Schwab U.S. Tips ETF | Add +5.3% | 1.23% | +0.01 |
| SPYV SS SPDR P S&P 500 Value ETF | Add +0.5% | 1.30% | +0.01 |
| VTC Vanguard Total Corporate BND | Add +4.3% | 1.85% | +0.00 |
| AOA iShares Core 80/20 Aggressiv | Add +0.6% | 0.16% | +0.00 |
| FLRN SS SPDR BB Ig Float RT ETF | Add +5.7% | 0.20% | +0.00 |
| VCIT Vanguard Int-Term Corporate | Add +3.7% | 0.23% | −0.00 |
| SCHZ Schwab US Aggregate Bond ETF | Add +4.5% | 2.40% | −0.00 |
| SHY iShares 1-3 Year Treasury Bo | Add +4.8% | 0.66% | −0.00 |
| BIV Vanguard Intermediate-Term B | Add +1.0% | 0.15% | −0.01 |
| SCHV Schwab US Large-Cap Value | Add +0.3% | 3.95% | −0.01 |
| BKLN Invesco Senior Loan ETF | Add +5.1% | 1.54% | −0.01 |
| SPLV Invesco S&P 500 Low Volatili | Add +0.5% | 0.24% | −0.01 |
| IUSB Ishr CR Unvrse Usd BD ETF-Ui | Add +2.1% | 0.42% | −0.01 |
| GIGB Goldman Sachs Inv GRD Corp. | Add +0.6% | 0.29% | −0.01 |
| TIP iShares Tips Bond ETF | Add +3.9% | 1.59% | −0.01 |
| BNDX Vanguard Total Intl Bond ETF | Add +5.3% | 4.27% | −0.02 |
| BSV Vanguard Short-Term Bond ETF | Add +4.5% | 3.09% | −0.03 |
| AGG iShares Core U.S. Aggregate | Add +2.2% | 1.88% | −0.04 |
| BND Vanguard Total Bond Market | Add +3.0% | 3.26% | −0.05 |