VSM Wealth Advisory, LLC
In its 13F for Q3 2025 (holdings as of September 30, 2025, filed November 13, 2025), VSM Wealth Advisory, LLC reported 440 stock positions worth $321.5 million. Its top holding was Vngrd Mrgstr LRG-Cap ETF-Usd (VV) at 16.2% of the portfolio, followed by Vanguard Short-Term Treasury (VGSH, 5.8%) and Vngrd Mrngstr MG Cap ETF-Usd (MGC, 5.4%). Compared with Q2 2025, it opened 3 new positions, sold out of 76, added to 118 and reduced 82. The biggest buy was Vanguard Most SM-Cap ETF-Usd (VB, shares +14376%) and the biggest sale Van Morst SML-Cap Gro-Usd (VBK, shares −99%).
- Most Recent 13F
- Q2 2026
- Location
- HUNT VALLEY, MD
- CIK
- 0002050660
- Portfolio Value
- $321.5M (Q3 2025)
- SEC Filing
- 0002050660-25-000007 ↗ filed Nov 13, 2025
Holdings Value
Holdings 440 stocks · $321.5M
| VV Vngrd Mrgstr LRG-Cap ETF-Usd | 16.17% | 168,831 | $52.0M | Add +2.1% |
| VGSH Vanguard Short-Term Treasury | 5.75% | 231,320 | $18.5M | Add +4.6% |
| MGC Vngrd Mrngstr MG Cap ETF-Usd | 5.41% | 71,252 | $17.4M | Add +0.6% |
| VTI VG Morningstar TS MKT ETF-US | 4.87% | 47,668 | $15.6M | Add +1.3% |
| VYM Vanguard High DVD Yield ETF | 4.47% | 101,872 | $14.4M | Reduce -0.2% |
| VB Vanguard Most SM-Cap ETF-Usd | 4.35% | 55,007 | $14.0M | Add +14375.5% |
| VO Vngrd Mrngstr MD-Cap ETF-Usd | 3.83% | 41,968 | $12.3M | Add +1.8% |
| SCHB Schwab US Broad Market ETF | 3.67% | 458,575 | $11.8M | Reduce -2.3% |
| VEU Vanguard Ftse All-World Ex-U | 3.42% | 154,179 | $11.0M | Reduce -0.5% |
| SCHA Schwab US Small-Cap ETF | 3.33% | 402,351 | $10.7M | Add +521.0% |
| VUG Vanguard Mrngstar GR ETF-Sui | 3.28% | 21,988 | $10.5M | Add +17.6% |
| VTV Vanguard Mrngstr Val ETF-Aui | 3.14% | 54,109 | $10.1M | Add +20.0% |
| DFAU Dimensional US Core Equity M | 3.01% | 211,772 | $9.7M | Add +86.7% |
| DFUS Dimensional US Eq MKT ETF | 2.68% | 118,814 | $8.6M | Add +8368.6% |
| VXF Vanguard Extended Market ETF | 2.56% | 39,315 | $8.2M | Reduce -5.0% |
| DFAC Dimensional US Core Equity 2 | 2.51% | 208,907 | $8.1M | Add +7.2% |
| VEA Vanguard Ftse Developed ETF | 2.51% | 134,436 | $8.1M | Add +1.5% |
| SCHV Schwab US Large-Cap Value | 1.49% | 198,888 | $4.8M | Add +771.5% |
| VOO Vanguard S&P 500 ETF | 1.30% | 6,805 | $4.2M | Reduce -0.1% |
| MINT PIMCO Enhanced Short Maturit | 1.19% | 38,131 | $3.8M | Add +5.3% |
| VWO Vanguard Ftse Emerging Marke | 1.08% | 64,279 | $3.5M | Add +0.8% |
| MSFT Microsoft Corp. | 1.03% | 6,424 | $3.3M | Reduce -0.9% |
| PG The Procter & Gamble Co. | 1.02% | 21,259 | $3.3M | Reduce -8.5% |
| VTEB Vanguard Tax-Exempt Bond ETF | 0.98% | 62,636 | $3.1M | Reduce -2.7% |
| GRIFX Apollo Diversif RL Est-I | 0.91% | 11,460 | $2.9M | New |
| XOM Exxon Mobil Corp. | 0.84% | 23,885 | $2.7M | Reduce -2.2% |
| BRK.B Berkshire Hathaway Inc. Class B | 0.48% | 3,057 | $1.5M | No change |
| DFAS Dimensional US Small Cap ETF | 0.44% | 20,621 | $1.4M | Add +0.8% |
| BOND PIMCO Active Bond Exchange-T | 0.38% | 13,203 | $1.2M | Add +2.6% |
| MGV Vngrd Mrgstr MG CP VL ETF-Ui | 0.38% | 8,896 | $1.2M | Add +0.5% |
| VGT Vanguard Info Tech ETF | 0.34% | 1,468 | $1.1M | Add +2.6% |
| SPY SS SPDR S&P 500 ETF Trust-US | 0.34% | 1,640 | $1.1M | Add +0.1% |
| IVV iShares Core S&P 500 ETF | 0.33% | 1,562 | $1.0M | Add +8.3% |
| HD Home Depot Inc. | 0.32% | 2,553 | $1.0M | Reduce -0.9% |
| CEG Constellation Energy | 0.32% | 3,079 | $1.0M | Add +0.0% |
| VBR Vngrd Mrngst SL-CP Val ETF-U | 0.31% | 4,822 | $1.0M | Add +0.2% |
| JPM JPMorgan Chase & Co. | 0.26% | 2,664 | $840K | Reduce -10.1% |
| JNJ Johnson & Johnson | 0.26% | 4,518 | $838K | Reduce -15.1% |
| VNQ Vanguard Real Estate ETF | 0.26% | 9,021 | $825K | Reduce -19.0% |
| DFAI Dimensional International Co. | 0.25% | 22,025 | $801K | Reduce -5.0% |
| IBM Intl Business Machines Corp. filed as INTERNATIONAL BUSINESS MACHS | 0.24% | 2,730 | $770K | Add +0.1% |
| MGK Vngrd Mrgstr MG CP GR ETF-Ui | 0.24% | 1,911 | $769K | Add +2.4% |
| SCHG Schwab US Large-Cap Growth | 0.24% | 23,777 | $759K | Reduce -92.8% |
| LLY Eli Lilly & Co. | 0.22% | 939 | $716K | Reduce -46.0% |
| VTES Vanguard SH Term Tax-Ex Bond | 0.20% | 6,165 | $628K | Add +24.1% |
| GLD SPDR Gold Shares | 0.19% | 1,732 | $616K | No change |
| SCHO Schwab Short-Term US Treas | 0.19% | 25,218 | $615K | Reduce -4.3% |
| ESGV Vanguard ESG US Stock ETF | 0.19% | 5,152 | $610K | Reduce -14.4% |
| VIG Vanguard Dividend Apprec ETF | 0.18% | 2,706 | $584K | Add +0.1% |
| TSLA Tesla Inc. | 0.17% | 1,255 | $558K | Reduce -1.6% |
| VT Vanguard Tot World STK ETF | 0.17% | 4,021 | $554K | Add +0.3% |
| SCHF Schwab Intl Equity ETF | 0.16% | 22,101 | $515K | Reduce -23.9% |
| MKC McCormick & Co.-Non VTG SHRS | 0.16% | 7,675 | $514K | No change |
| BSV Vanguard Short-Term Bond ETF | 0.15% | 6,122 | $483K | Reduce -11.4% |
| IVE iShares S&P 500 Value ETF | 0.15% | 2,323 | $480K | Add +0.2% |
| WM Waste Management Inc. | 0.15% | 2,149 | $475K | Reduce -0.8% |
| WMT Walmart Inc. | 0.15% | 4,598 | $474K | Add +0.0% |
| WFC Wells Fargo & Co. | 0.14% | 5,250 | $440K | No change |
| ETN Eaton Corp. PLC | 0.14% | 1,162 | $435K | No change |
| DX Dynex Capital Inc. | 0.13% | 34,023 | $418K | Add +0.5% |
| AON Aon PLC Class A | 0.13% | 1,155 | $412K | No change |
| AMZN Amazon.com Inc. | 0.12% | 1,769 | $388K | Reduce -16.0% |
| CSX CSX Corp. | 0.11% | 10,392 | $369K | No change |
| MCD McDonald's Corp. | 0.11% | 1,213 | $369K | Reduce -1.6% |
| SCHH Schwab US REIT ETF | 0.11% | 16,942 | $365K | Reduce -3.9% |
| KO The Coca-Cola Co. | 0.11% | 5,405 | $358K | No change |
| EXC Exelon Corp. | 0.10% | 7,396 | $333K | Add +0.2% |
| NVDA Nvidia Corp. | 0.10% | 1,784 | $333K | Reduce -1.8% |
| SAN Banco Santander SA-Spon ADR | 0.10% | 31,608 | $331K | Reduce -13.7% |
| SCHE Schwab Emrg Mrkts Eqty ETF | 0.10% | 9,787 | $327K | Reduce -1.9% |
| BND Vanguard Total Bond Market | 0.10% | 4,115 | $306K | Add +92.4% |
| IJJ iShares S&P Mid-Cap 400 Valu | 0.09% | 2,148 | $279K | No change |
| DUSB Dimension Ultrashort Fi ETF | 0.09% | 5,487 | $279K | Add +13.3% |
| HON Honeywell International Inc. | 0.08% | 1,150 | $242K | Add +4.5% |
| IUSG iShares Core S&P U.S. Growth | 0.07% | 1,453 | $239K | No change |
| DIS The Walt Disney Co. filed as DISNEY WALT CO | 0.07% | 2,067 | $237K | Add +0.1% |
| ED Consolidated Edison Inc. | 0.07% | 2,354 | $237K | No change |
| SO The Southern Co. | 0.07% | 2,493 | $236K | Reduce -4.2% |
| DFAE Dimensional Emerging Core Eq | 0.07% | 7,488 | $236K | No change |
| ABBV Abbvie Inc. | 0.07% | 1,015 | $235K | Add +0.1% |
| IVW iShares S&P 500 Growth ETF | 0.07% | 1,946 | $235K | Reduce -11.2% |
| AEP American Electric Power | 0.07% | 2,060 | $232K | Reduce -3.3% |
| INTC Intel Corp. | 0.07% | 6,741 | $226K | Add +0.8% |
| ROK Rockwell Automation Inc. | 0.07% | 623 | $218K | No change |
| VOOV Vanguard S&P 500 Value ETF | 0.07% | 1,091 | $218K | No change |
| AMD Advanced Micro Devices | 0.07% | 1,307 | $211K | Reduce -24.4% |
| DUK Duke Energy Corp. | 0.06% | 1,669 | $207K | Reduce -53.6% |
| CVX Chevron Corp. | 0.06% | 1,271 | $197K | Reduce -24.8% |
| VSGX Vanguard ESG Intl Stock ETF | 0.06% | 2,788 | $193K | Reduce -5.7% |
| CAT Caterpillar Inc. | 0.06% | 403 | $192K | Reduce -63.4% |
| DFLV Dim US Large Cap Value ETF | 0.06% | 5,811 | $191K | No change |
| VPU Vanguard Utilities ETF | 0.06% | 1,001 | $190K | Reduce -3.1% |
| VOE Vngrd Mrngstr MD-Cap Val ETF | 0.06% | 1,073 | $187K | Reduce -23.9% |
| DFAX Dimensional World Ex US Core | 0.06% | 5,940 | $186K | Add +0.3% |
| IWV iShares Russell 3000 ETF | 0.06% | 487 | $185K | No change |
| AXP American Express Co. | 0.06% | 533 | $177K | No change |
| TFC Truist Financial Corp. | 0.05% | 3,730 | $171K | Reduce -38.3% |
| IJS iShares S&P Small-Cap 600 Va | 0.05% | 1,533 | $170K | Add +0.1% |
| ORCL Oracle Corp. | 0.05% | 595 | $167K | No change |
| LOW Lowe's Cos Inc. | 0.05% | 638 | $160K | No change |
Other holdings (2): bonds, preferreds, convertibles and warrants · $25K (not counted above)
| Security | Class | Shares / Principal | Value | Change |
|---|---|---|---|---|
| BRISTOL-MYERS SQUIBB CO (BMY 2 PERP) | CONVERTABLE PREFERED | 20 | $14K | No change |
| READY CAPITAL CORP (RC 6.25 PERP C) | 6.25 CNV PFD C | 670 | $11K | No change |
Total filed on the 13F, all lines: $321.5M.
Portfolio Sells Q2 2025 → Q3 2025
| VBK Van Morst SML-Cap Gro-Usd Inc. | Reduce -99.3% | 0.04% | −4.19 |
| DFUV Dimensional US Marketwide Va | Sold out | 0.00% | −2.84 |
| SCHG Schwab US Large-Cap Growth | Reduce -92.8% | 0.24% | −2.45 |
| SCHZ Schwab US Aggregate Bond ETF | Sold out | 0.00% | −1.36 |
| AAPL Apple Inc. | Reduce -99.3% | 0.01% | −0.77 |
| SCHM Schwab US Mid Cap ETF | Sold out | 0.00% | −0.56 |
| LLY Eli Lilly & Co. | Reduce -46.0% | 0.22% | −0.22 |
| PG The Procter & Gamble Co. | Reduce -8.5% | 1.02% | −0.21 |
| USFR Wisdomtree Floating Rate Tre | Sold out | 0.00% | −0.20 |
| SCHX Schwab US Large-Cap ETF | Sold out | 0.00% | −0.16 |
| VXUS Vanguard Total Intl Stock | Sold out | 0.00% | −0.10 |
| FLRN SS SPDR BB Ig Float RT ETF | Sold out | 0.00% | −0.08 |
| CAT Caterpillar Inc. | Reduce -63.4% | 0.06% | −0.08 |
| DUK Duke Energy Corp. | Reduce -53.6% | 0.06% | −0.08 |
| VXF Vanguard Extended Market ETF | Reduce -5.0% | 2.56% | −0.08 |
| VNQ Vanguard Real Estate ETF | Reduce -19.0% | 0.26% | −0.07 |
| VTEB Vanguard Tax-Exempt Bond ETF | Reduce -2.7% | 0.98% | −0.07 |
| SCHF Schwab Intl Equity ETF | Reduce -23.9% | 0.16% | −0.05 |
| COF Capital One Financial Corp. | Sold out | 0.00% | −0.04 |
| TFC Truist Financial Corp. | Reduce -38.3% | 0.05% | −0.03 |
| XOM Exxon Mobil Corp. | Reduce -2.2% | 0.84% | −0.03 |
| AMZN Amazon.com Inc. | Reduce -16.0% | 0.12% | −0.03 |
| IBIT iShares Bitcoin Trust ETF | Sold out | 0.00% | −0.03 |
| VYM Vanguard High DVD Yield ETF | Reduce -0.2% | 4.47% | −0.03 |
| MSFT Microsoft Corp. | Reduce -0.9% | 1.03% | −0.03 |
| BSV Vanguard Short-Term Bond ETF | Reduce -11.4% | 0.15% | −0.03 |
| GOOG Alphabet Inc. Class C | Reduce -60.3% | 0.03% | −0.03 |
| SCHB Schwab US Broad Market ETF | Reduce -2.3% | 3.67% | −0.03 |
| ESGV Vanguard ESG US Stock ETF | Reduce -14.4% | 0.19% | −0.03 |
| MDGL Madrigal Pharmaceuticals Inc. | Sold out | 0.00% | −0.03 |
| JEF Jefferies Financial Group Inc. | Reduce -50.0% | 0.03% | −0.03 |
| SCHW Schwab (charles) Corp. | Reduce -44.4% | 0.03% | −0.02 |
| BTI British American Tob-SP ADR | Sold out | 0.00% | −0.02 |
| MELI MercadoLibre Inc. | Reduce -92.9% | 0.00% | −0.02 |
| JPM JPMorgan Chase & Co. | Reduce -10.1% | 0.26% | −0.02 |
| MRK Merck & Co. Inc. | Reduce -52.6% | 0.02% | −0.02 |
| SCHO Schwab Short-Term US Treas | Reduce -4.3% | 0.19% | −0.02 |
| ELV Elevance Health Inc. | Sold out | 0.00% | −0.02 |
| VEU Vanguard Ftse All-World Ex-U | Reduce -0.5% | 3.42% | −0.02 |
| ISRG Intuitive Surgical Inc. | Reduce -81.4% | 0.00% | −0.02 |
| ADP Automatic Data Processing | Reduce -58.5% | 0.01% | −0.02 |
| PFE Pfizer Inc. | Reduce -39.3% | 0.03% | −0.02 |
| VZ Verizon Communications Inc. | Reduce -26.3% | 0.05% | −0.02 |
| CVX Chevron Corp. | Reduce -24.8% | 0.06% | −0.02 |
| VOE Vngrd Mrngstr MD-Cap Val ETF | Reduce -23.9% | 0.06% | −0.02 |
| BNS Bank of Nova Scotia | Sold out | 0.00% | −0.02 |
| FLIN Franklin Ftse India ETF | Sold out | 0.00% | −0.02 |
| BTC Grayscale Bitcoin Mini ETF | Reduce -80.6% | 0.01% | −0.02 |
| SCHJ Schwab 1-5 YR Corp. BND ETF | Reduce -39.3% | 0.02% | −0.02 |
| META Meta Platforms Inc. Class A | Reduce -63.0% | 0.01% | −0.02 |
Portfolio Buys Q2 2025 → Q3 2025
| VB Vanguard Most SM-Cap ETF-Usd | Add +14375.5% | 4.35% | +4.32 |
| SCHA Schwab US Small-Cap ETF | Add +521.0% | 3.33% | +2.79 |
| DFUS Dimensional US Eq MKT ETF | Add +8368.6% | 2.68% | +2.66 |
| SCHV Schwab US Large-Cap Value | Add +771.5% | 1.49% | +1.26 |
| GRIFX Apollo Diversif RL Est-I | New | 0.91% | +0.91 |
| VV Vngrd Mrgstr LRG-Cap ETF-Usd | Add +2.1% | 16.17% | +0.59 |
| VUG Vanguard Mrngstar GR ETF-Sui | Add +17.6% | 3.28% | +0.57 |
| VTV Vanguard Mrngstr Val ETF-Aui | Add +20.0% | 3.14% | +0.51 |
| DFAU Dimensional US Core Equity M | Add +86.7% | 3.01% | +0.50 |
| DFAC Dimensional US Core Equity 2 | Add +7.2% | 2.51% | +0.20 |
| MGC Vngrd Mrngstr MG Cap ETF-Usd | Add +0.6% | 5.41% | +0.15 |
| VTI VG Morningstar TS MKT ETF-US | Add +1.3% | 4.87% | +0.14 |
| BND Vanguard Total Bond Market | Add +92.4% | 0.10% | +0.05 |
| VWO Vanguard Ftse Emerging Marke | Add +0.8% | 1.08% | +0.04 |
| VTES Vanguard SH Term Tax-Ex Bond | Add +24.1% | 0.20% | +0.03 |
| IVV iShares Core S&P 500 ETF | Add +8.3% | 0.33% | +0.03 |
| VGT Vanguard Info Tech ETF | Add +2.6% | 0.34% | +0.03 |
| VALN Valneva SE - ADR | Add +125.0% | 0.03% | +0.03 |
| GPMT Granite Point Mortgage Trust | Add +11.0% | 0.03% | +0.03 |
| GOOGL Alphabet Inc. Class A | Add +58.0% | 0.05% | +0.02 |
| XBOEX BlackRock Enh GLBL DVD TR | Add +436.9% | 0.03% | +0.02 |
| VO Vngrd Mrngstr MD-Cap ETF-Usd | Add +1.8% | 3.83% | +0.02 |
| INTC Intel Corp. | Add +0.8% | 0.07% | +0.02 |
| HL Hecla Mining Co. | Add +0.0% | 0.04% | +0.02 |
| NU Nu Holdings Ltd./Cayman Isl-A | Add +1000.0% | 0.02% | +0.02 |
| GBTC Grayscale Bitcoin Trust ETF | Add +501.2% | 0.02% | +0.01 |
| AZO AutoZone Inc. | Add +3916.7% | 0.02% | +0.01 |
| MGK Vngrd Mrgstr MG CP GR ETF-Ui | Add +2.4% | 0.24% | +0.01 |
| VEA Vanguard Ftse Developed ETF | Add +1.5% | 2.51% | +0.01 |
| ABBV Abbvie Inc. | Add +0.1% | 0.07% | +0.01 |
| DFAS Dimensional US Small Cap ETF | Add +0.8% | 0.44% | +0.01 |
| SPYG SS SPDR P S&P 500 Growth ETF | Add +47.4% | 0.03% | +0.01 |
| AYRWF Ayr Wellness Inc. | Add +27400.0% | 0.01% | +0.01 |
| DUHP Dimensional US High Profi Et | Add +74.4% | 0.02% | +0.01 |
| JEPQ JPM Nasdaq Equity Premium | Add +18.2% | 0.04% | +0.01 |
| KHC The Kraft Heinz Co. | Add +6439.1% | 0.01% | +0.01 |
| DUSB Dimension Ultrashort Fi ETF | Add +13.3% | 0.09% | +0.01 |
| QS Quantumscape Corp. | Add +46.8% | 0.01% | +0.01 |
| SPY SS SPDR S&P 500 ETF Trust-US | Add +0.1% | 0.34% | +0.01 |
| MDB Mongodb Inc. | New | 0.00% | +0.00 |
| IXUS iShares Core Intl Stock ETF | Add +71.4% | 0.01% | +0.00 |
| JEPI JPMorgan Equity Premium Inco | Add +84.1% | 0.01% | +0.00 |
| SUSB iShares ESG Aware 1-5 Year U | Add +16.2% | 0.04% | +0.00 |
| CIM Chimera Investment Corp. | Add +64.3% | 0.01% | +0.00 |
| VBR Vngrd Mrngst SL-CP Val ETF-U | Add +0.2% | 0.31% | +0.00 |
| VOOG Vanguard S&P 500 Growth ETF | Add +7.5% | 0.03% | +0.00 |
| IJS iShares S&P Small-Cap 600 Va | Add +0.1% | 0.05% | +0.00 |
| PSX Phillips 66 | Add +0.1% | 0.04% | +0.00 |
| VT Vanguard Tot World STK ETF | Add +0.3% | 0.17% | +0.00 |
| UNH Unitedhealth Group Inc. | Add +9.6% | 0.02% | +0.00 |
Notes & Other Activity Q2 2025 → Q3 2025
| BIO GREEN MED SOLUTION (BGMS 6 PERP) | PFD CONV EX 6% | Sold out | 4,802 | $26Kbefore exit |
Bonds, preferreds, convertibles and warrants; not part of the stock holdings or percentages above.
All Filings
| Quarter | Positions | 13F Reported Value | Top Holdings |
|---|---|---|---|
| Q2 2026 | 505 | $376.4M | VV, VCSH, MGC, VTI, VB |
| Q1 2026 | 503 | $334.8M | VV, VCSH, MGC, VTI, VYM |
| Q4 2025 | 442 | $332.9M | VV, VCSH, MGC, VTI, VYM |
| Q3 2025 | 440 | $321.5M | VV, VGSH, MGC, VTI, VYM |
| Q2 2025 | 513 | $302.7M | VV, VGSH, MGC, VTI, VYM |
| Q1 2025 | 494 | $278.2M | VV, VCSH, MGC, VYM, VTI |
| Q4 2024 | 472 | $280.3M | VV, VCSH, MGC, VTI, VYM |