VSM Wealth Advisory, LLC
In its 13F for Q4 2025 (holdings as of December 31, 2025, filed February 6, 2026), VSM Wealth Advisory, LLC reported 442 stock positions worth $332.9 million. Its top holding was Vngrd Mrgstr LRG-Cap ETF-Usd (VV) at 15.6% of the portfolio, followed by Vanguard S/T Corp. Bond ETF (VCSH, 6.2%) and Vngrd Mrngstr MG Cap ETF-Usd (MGC, 5.2%). Compared with Q3 2025, it opened 54 new positions, sold out of 54, added to 111 and reduced 70. The biggest buy was Vanguard S/T Corp. Bond ETF (VCSH, shares +19915%) and the biggest sale Vanguard Short-Term Treasury (VGSH, shares −99%).
- Most Recent 13F
- Q2 2026
- Location
- HUNT VALLEY, MD
- CIK
- 0002050660
- Portfolio Value
- $332.9M (Q4 2025)
- SEC Filing
- 0002050660-26-000001 ↗ filed Feb 6, 2026
Holdings Value
Holdings 442 stocks · $332.9M
| VV Vngrd Mrgstr LRG-Cap ETF-Usd | 15.63% | 165,337 | $52.0M | Reduce -2.1% |
| VCSH Vanguard S/T Corp. Bond ETF | 6.21% | 259,590 | $20.7M | Add +19914.7% |
| MGC Vngrd Mrngstr MG Cap ETF-Usd | 5.25% | 69,539 | $17.5M | Reduce -2.4% |
| VTI VG Morningstar TS MKT ETF-US | 4.76% | 47,226 | $15.8M | Reduce -0.9% |
| VYM Vanguard High DVD Yield ETF | 4.36% | 101,238 | $14.5M | Reduce -0.6% |
| VB Vanguard Most SM-Cap ETF-Usd | 4.18% | 53,889 | $13.9M | Reduce -2.0% |
| VO Vngrd Mrngstr MD-Cap ETF-Usd | 3.59% | 41,168 | $11.9M | Reduce -1.9% |
| SCHB Schwab US Broad Market ETF | 3.55% | 450,618 | $11.8M | Reduce -1.7% |
| VEU Vanguard Ftse All-World Ex-U | 3.42% | 154,702 | $11.4M | Add +0.3% |
| VUG Vanguard Mrngstar GR ETF-Sui | 3.30% | 22,538 | $11.0M | Add +2.5% |
| VTV Vanguard Mrngstr Val ETF-Aui | 3.16% | 55,036 | $10.5M | Add +1.7% |
| DFAU Dimensional US Core Equity M | 3.01% | 214,547 | $10.0M | Add +1.3% |
| SCHX Schwab US Large-Cap ETF | 2.71% | 335,557 | $9.0M | New |
| DFUS Dimensional US Eq MKT ETF | 2.65% | 119,293 | $8.8M | Add +0.4% |
| VEA Vanguard Ftse Developed ETF | 2.56% | 136,321 | $8.5M | Add +1.4% |
| DFAC Dimensional US Core Equity 2 | 2.51% | 211,021 | $8.4M | Add +1.0% |
| VXF Vanguard Extended Market ETF | 2.42% | 38,474 | $8.1M | Reduce -2.1% |
| MINT PIMCO Enhanced Short Maturit | 1.34% | 44,622 | $4.5M | Add +17.0% |
| VOO Vanguard S&P 500 ETF | 1.27% | 6,740 | $4.2M | Reduce -1.0% |
| SCHZ Schwab US Aggregate Bond ETF | 1.23% | 175,508 | $4.1M | New |
| VWO Vanguard Ftse Emerging Marke | 1.03% | 63,964 | $3.4M | Reduce -0.5% |
| MSFT Microsoft Corp. | 0.93% | 6,424 | $3.1M | No change |
| PG The Procter & Gamble Co. | 0.91% | 21,125 | $3.0M | Reduce -0.6% |
| AAPL Apple Inc. | 0.89% | 10,948 | $3.0M | Add +12630.2% |
| XOM Exxon Mobil Corp. | 0.86% | 23,889 | $2.9M | Add +0.0% |
| VTEB Vanguard Tax-Exempt Bond ETF | 0.85% | 56,108 | $2.8M | Reduce -10.4% |
| SCHA Schwab US Small-Cap ETF | 0.56% | 65,912 | $1.9M | Reduce -83.6% |
| SCHM Schwab US Mid Cap ETF | 0.52% | 57,577 | $1.7M | New |
| MGV Vngrd Mrgstr MG CP VL ETF-Ui | 0.50% | 11,783 | $1.7M | Add +32.5% |
| DFAS Dimensional US Small Cap ETF | 0.49% | 23,298 | $1.6M | Add +13.0% |
| BRK.B Berkshire Hathaway Inc. Class B | 0.46% | 3,047 | $1.5M | Reduce -0.3% |
| BOND PIMCO Active Bond Exchange-T | 0.45% | 16,115 | $1.5M | Add +22.1% |
| VBR Vngrd Mrngst SL-CP Val ETF-U | 0.38% | 5,917 | $1.3M | Add +22.7% |
| MGK Vngrd Mrgstr MG CP GR ETF-Ui | 0.36% | 2,935 | $1.2M | Add +53.6% |
| VGT Vanguard Info Tech ETF | 0.35% | 1,528 | $1.2M | Add +4.1% |
| SPY SS SPDR S&P 500 ETF Trust-US | 0.34% | 1,641 | $1.1M | Add +0.1% |
| CEG Constellation Energy | 0.29% | 2,698 | $953K | Reduce -12.4% |
| JNJ Johnson & Johnson | 0.28% | 4,508 | $933K | Reduce -0.2% |
| LLY Eli Lilly & Co. | 0.27% | 839 | $902K | Reduce -10.7% |
| IVV iShares Core S&P 500 ETF | 0.27% | 1,312 | $899K | Reduce -16.0% |
| HD Home Depot Inc. | 0.26% | 2,528 | $870K | Reduce -1.0% |
| JPM JPMorgan Chase & Co. | 0.26% | 2,655 | $856K | Reduce -0.3% |
| DFAI Dimensional International Co. | 0.25% | 22,049 | $840K | Add +0.1% |
| SCHG Schwab US Large-Cap Growth | 0.25% | 25,520 | $830K | Add +7.3% |
| IBM Intl Business Machines Corp. filed as INTERNATIONAL BUSINESS MACHS | 0.24% | 2,681 | $794K | Reduce -1.8% |
| GLD SPDR Gold Shares | 0.21% | 1,732 | $686K | No change |
| VTES Vanguard SH Term Tax-Ex Bond | 0.20% | 6,619 | $672K | Add +7.4% |
| VNQ Vanguard Real Estate ETF | 0.20% | 7,510 | $665K | Reduce -16.8% |
| VOE Vngrd Mrngstr MD-Cap Val ETF | 0.18% | 2,507 | $595K | Add +133.6% |
| VIG Vanguard Dividend Apprec ETF | 0.18% | 2,709 | $595K | Add +0.1% |
| DX Dynex Capital Inc. | 0.18% | 42,191 | $591K | Add +24.0% |
| SCHV Schwab US Large-Cap Value | 0.18% | 19,914 | $587K | Reduce -90.0% |
| TSLA Tesla Inc. | 0.17% | 1,256 | $565K | Add +0.1% |
| ESGV Vanguard ESG US Stock ETF | 0.17% | 4,567 | $552K | Reduce -11.3% |
| SCHO Schwab Short-Term US Treas | 0.16% | 22,243 | $542K | Reduce -11.8% |
| VT Vanguard Tot World STK ETF | 0.16% | 3,817 | $538K | Reduce -5.1% |
| SCHF Schwab Intl Equity ETF | 0.16% | 21,874 | $526K | Reduce -1.0% |
| MKC McCormick & Co.-Non VTG SHRS | 0.16% | 7,681 | $523K | Add +0.1% |
| WMT Walmart Inc. | 0.16% | 4,652 | $520K | Add +1.2% |
| WFC Wells Fargo & Co. | 0.15% | 5,426 | $506K | Add +3.4% |
| IVE iShares S&P 500 Value ETF | 0.15% | 2,327 | $493K | Add +0.2% |
| BSV Vanguard Short-Term Bond ETF | 0.14% | 6,124 | $483K | Add +0.0% |
| WM Waste Management Inc. | 0.14% | 2,149 | $472K | No change |
| XLK SS Technology Select Sector | 0.14% | 3,272 | $471K | Add +382.6% |
| VHT Vanguard Health Care ETF | 0.14% | 1,572 | $453K | Add +563.3% |
| AON Aon PLC Class A | 0.12% | 1,155 | $408K | No change |
| VFH Vanguard Financials ETF | 0.12% | 3,050 | $407K | Add +265.3% |
| AMZN Amazon.com Inc. | 0.12% | 1,692 | $391K | Reduce -4.3% |
| VOX Vanguard Communication Servi | 0.12% | 1,991 | $386K | Add +1057.6% |
| KO The Coca-Cola Co. | 0.11% | 5,404 | $378K | Reduce -0.0% |
| CSX CSX Corp. | 0.11% | 10,392 | $377K | No change |
| MCD McDonald's Corp. | 0.11% | 1,196 | $365K | Reduce -1.4% |
| NVDA Nvidia Corp. | 0.10% | 1,851 | $345K | Add +3.8% |
| SCHH Schwab US REIT ETF | 0.10% | 15,935 | $333K | Reduce -5.9% |
| SCHE Schwab Emrg Mrkts Eqty ETF | 0.10% | 9,759 | $320K | Reduce -0.3% |
| VAW Vanguard Materials ETF | 0.10% | 1,526 | $317K | Add +1326.2% |
| VCR Vanguard Consumer Discre ETF | 0.10% | 804 | $317K | Add +1118.2% |
| VIS Vanguard Industrials ETF | 0.10% | 1,060 | $316K | Add +1052.2% |
| EXC Exelon Corp. | 0.09% | 7,155 | $312K | Reduce -3.3% |
| BND Vanguard Total Bond Market | 0.09% | 4,165 | $309K | Add +1.2% |
| XLE SS Energy Select Sector | 0.09% | 6,527 | $292K | Add +4194.1% |
| DUSB Dimension Ultrashort Fi ETF | 0.09% | 5,625 | $285K | Add +2.5% |
| IJJ iShares S&P Mid-Cap 400 Valu | 0.08% | 2,148 | $283K | No change |
| XLP SS Consumer Staples Sel Sect | 0.08% | 3,626 | $282K | New |
| AMD Advanced Micro Devices | 0.08% | 1,290 | $276K | Reduce -1.3% |
| VBK Van Morst SML-Cap Gro-Usd Inc. | 0.08% | 902 | $273K | Add +137.4% |
| XLU St Sr Utl SL SE SPDR ETF-Usd | 0.08% | 6,379 | $272K | New |
| XLRE SS Real Estate Select Sector | 0.08% | 6,664 | $269K | New |
| INTC Intel Corp. | 0.08% | 6,741 | $255K | No change |
| IUSG iShares Core S&P U.S. Growth | 0.07% | 1,453 | $244K | No change |
| DFAE Dimensional Emerging Core Eq | 0.07% | 7,488 | $244K | No change |
| ROK Rockwell Automation Inc. | 0.07% | 623 | $243K | No change |
| IVW iShares S&P 500 Growth ETF | 0.07% | 1,948 | $240K | Add +0.1% |
| AEP American Electric Power | 0.07% | 2,064 | $238K | Add +0.2% |
| DIS The Walt Disney Co. filed as DISNEY WALT CO | 0.07% | 2,066 | $235K | Reduce -0.1% |
| IVOG Vanguard S&P Mid-Cap 400 Gro | 0.07% | 1,956 | $235K | New |
| ED Consolidated Edison Inc. | 0.07% | 2,354 | $234K | No change |
| VOOV Vanguard S&P 500 Value ETF | 0.07% | 1,116 | $229K | Add +2.3% |
| HON Honeywell International Inc. | 0.07% | 251 | $224K | Reduce -78.2% |
| ABBV Abbvie Inc. | 0.06% | 940 | $215K | Reduce -7.4% |
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 | $18K | No change |
| BIO GREEN MED SOLUTION (BGMS 6 PERP) | PFD CONV EX 6% | 1,849 | $7K | New |
Lines left out (3) · $26K — a value with no share or principal amount
| Security | Class | Shares | Value |
|---|---|---|---|
| RFG Invesco S&P Midcap 400 Pure | S&P MDCP400 PR | 0 | $16K |
| HYLN Hyliion Holdings Corp. | COMMON STOCK | 0 | $9K |
| ETHA iShares Ethereum Trust ETF | SHS | 0 | $1K |
Filed with a value but no share or principal amount (a cash line, a holding rounded to 0 shares), so they are kept out of the holdings, totals and percentages.
Total filed on the 13F, all lines: $333.0M.
Portfolio Sells Q3 2025 → Q4 2025
| VGSH Vanguard Short-Term Treasury | Reduce -99.4% | 0.02% | −5.73 |
| SCHA Schwab US Small-Cap ETF | Reduce -83.6% | 0.56% | −2.77 |
| SCHV Schwab US Large-Cap Value | Reduce -90.0% | 0.18% | −1.31 |
| GRIFX Apollo Diversif RL Est-I | Sold out | 0.00% | −0.91 |
| VV Vngrd Mrgstr LRG-Cap ETF-Usd | Reduce -2.1% | 15.63% | −0.54 |
| VO Vngrd Mrngstr MD-Cap ETF-Usd | Reduce -1.9% | 3.59% | −0.25 |
| VB Vanguard Most SM-Cap ETF-Usd | Reduce -2.0% | 4.18% | −0.17 |
| MGC Vngrd Mrngstr MG Cap ETF-Usd | Reduce -2.4% | 5.25% | −0.16 |
| VXF Vanguard Extended Market ETF | Reduce -2.1% | 2.42% | −0.14 |
| ETN Eaton Corp. PLC | Sold out | 0.00% | −0.14 |
| VTEB Vanguard Tax-Exempt Bond ETF | Reduce -10.4% | 0.85% | −0.13 |
| SCHB Schwab US Broad Market ETF | Reduce -1.7% | 3.55% | −0.12 |
| VTI VG Morningstar TS MKT ETF-US | Reduce -0.9% | 4.76% | −0.11 |
| PG The Procter & Gamble Co. | Reduce -0.6% | 0.91% | −0.11 |
| SAN Banco Santander SA-Spon ADR | Sold out | 0.00% | −0.10 |
| VYM Vanguard High DVD Yield ETF | Reduce -0.6% | 4.36% | −0.10 |
| HD Home Depot Inc. | Reduce -1.0% | 0.26% | −0.06 |
| VNQ Vanguard Real Estate ETF | Reduce -16.8% | 0.20% | −0.06 |
| IVV iShares Core S&P 500 ETF | Reduce -16.0% | 0.27% | −0.06 |
| VWO Vanguard Ftse Emerging Marke | Reduce -0.5% | 1.03% | −0.05 |
| NAD Nuveen Quality Municipal Inc. | Sold out | 0.00% | −0.04 |
| XEXGX Eaton Vance Tax-Managed Glob | Sold out | 0.00% | −0.04 |
| ETB Eaton Vance T/M Buy-WRT Inc. | Sold out | 0.00% | −0.04 |
| VALN Valneva SE - ADR | Sold out | 0.00% | −0.03 |
| ETW Eaton Vance T/M GLBL Buy-WR | Sold out | 0.00% | −0.03 |
| NAT Nordic American Tankers Ltd. | Sold out | 0.00% | −0.03 |
| CEG Constellation Energy | Reduce -12.4% | 0.29% | −0.03 |
| SCHO Schwab Short-Term US Treas | Reduce -11.8% | 0.16% | −0.03 |
| GPMT Granite Point Mortgage Trust | Sold out | 0.00% | −0.03 |
| VOO Vanguard S&P 500 ETF | Reduce -1.0% | 1.27% | −0.03 |
| ESGV Vanguard ESG US Stock ETF | Reduce -11.3% | 0.17% | −0.02 |
| XEADX Allspring Income Opport | Sold out | 0.00% | −0.02 |
| TELFY Telefonica SA-Spon ADR | Sold out | 0.00% | −0.02 |
| ERC Allspring Multi-Sector Inc. | Sold out | 0.00% | −0.02 |
| BRK.B Berkshire Hathaway Inc. Class B | Reduce -0.3% | 0.46% | −0.02 |
| IWM iShares Russell 2000 ETF | Sold out | 0.00% | −0.02 |
| GOOGL Alphabet Inc. Class A | Reduce -48.7% | 0.03% | −0.02 |
| GBTC Grayscale Bitcoin Trust ETF | Reduce -83.4% | 0.01% | −0.02 |
| SO The Southern Co. | Reduce -12.5% | 0.06% | −0.02 |
| AZO AutoZone Inc. | Reduce -97.5% | 0.01% | −0.02 |
| DFAX Dimensional World Ex US Core | Reduce -26.5% | 0.04% | −0.02 |
| SRE Sempra | Sold out | 0.00% | −0.01 |
| SCHH Schwab US REIT ETF | Reduce -5.9% | 0.10% | −0.01 |
| UNP Union Pacific Corp. | Reduce -51.4% | 0.01% | −0.01 |
| NVS Novartis AG-Sponsored ADR | Sold out | 0.00% | −0.01 |
| VT Vanguard Tot World STK ETF | Reduce -5.1% | 0.16% | −0.01 |
| CRM Salesforce Inc. | Sold out | 0.00% | −0.01 |
| EXC Exelon Corp. | Reduce -3.3% | 0.09% | −0.01 |
| CIM Chimera Investment Corp. | Sold out | 0.00% | −0.01 |
| UNH Unitedhealth Group Inc. | Reduce -52.4% | 0.01% | −0.01 |
Portfolio Buys Q3 2025 → Q4 2025
| VCSH Vanguard S/T Corp. Bond ETF | Add +19914.7% | 6.21% | +6.19 |
| SCHX Schwab US Large-Cap ETF | New | 2.71% | +2.71 |
| SCHZ Schwab US Aggregate Bond ETF | New | 1.23% | +1.23 |
| AAPL Apple Inc. | Add +12630.2% | 0.89% | +0.89 |
| SCHM Schwab US Mid Cap ETF | New | 0.52% | +0.52 |
| MINT PIMCO Enhanced Short Maturit | Add +17.0% | 1.34% | +0.15 |
| MGK Vngrd Mrgstr MG CP GR ETF-Ui | Add +53.6% | 0.36% | +0.12 |
| VOE Vngrd Mrngstr MD-Cap Val ETF | Add +133.6% | 0.18% | +0.12 |
| MGV Vngrd Mrgstr MG CP VL ETF-Ui | Add +32.5% | 0.50% | +0.12 |
| VHT Vanguard Health Care ETF | Add +563.3% | 0.14% | +0.12 |
| XLK SS Technology Select Sector | Add +382.6% | 0.14% | +0.11 |
| VOX Vanguard Communication Servi | Add +1057.6% | 0.12% | +0.11 |
| VAW Vanguard Materials ETF | Add +1326.2% | 0.10% | +0.09 |
| VFH Vanguard Financials ETF | Add +265.3% | 0.12% | +0.09 |
| VCR Vanguard Consumer Discre ETF | Add +1118.2% | 0.10% | +0.09 |
| VIS Vanguard Industrials ETF | Add +1052.2% | 0.10% | +0.09 |
| XLE SS Energy Select Sector | Add +4194.1% | 0.09% | +0.09 |
| XLP SS Consumer Staples Sel Sect | New | 0.08% | +0.08 |
| XLU St Sr Utl SL SE SPDR ETF-Usd | New | 0.08% | +0.08 |
| XLRE SS Real Estate Select Sector | New | 0.08% | +0.08 |
| IVOG Vanguard S&P Mid-Cap 400 Gro | New | 0.07% | +0.07 |
| BOND PIMCO Active Bond Exchange-T | Add +22.1% | 0.45% | +0.07 |
| VBR Vngrd Mrngst SL-CP Val ETF-U | Add +22.7% | 0.38% | +0.06 |
| VEA Vanguard Ftse Developed ETF | Add +1.4% | 2.56% | +0.06 |
| DFAS Dimensional US Small Cap ETF | Add +13.0% | 0.49% | +0.05 |
| VXUS Vanguard Total Intl Stock | New | 0.05% | +0.05 |
| DX Dynex Capital Inc. | Add +24.0% | 0.18% | +0.05 |
| VBK Van Morst SML-Cap Gro-Usd Inc. | Add +137.4% | 0.08% | +0.05 |
| GOOG Alphabet Inc. Class C | Add +58.2% | 0.06% | +0.03 |
| XOM Exxon Mobil Corp. | Add +0.0% | 0.86% | +0.03 |
| COF Capital One Financial Corp. | New | 0.02% | +0.02 |
| VUG Vanguard Mrngstar GR ETF-Sui | Add +2.5% | 3.30% | +0.02 |
| HL Hecla Mining Co. | Add +0.0% | 0.06% | +0.02 |
| VTV Vanguard Mrngstr Val ETF-Aui | Add +1.7% | 3.16% | +0.02 |
| SUSB iShares ESG Aware 1-5 Year U | Add +53.4% | 0.05% | +0.02 |
| PSX Phillips 66 | Add +56.9% | 0.05% | +0.02 |
| DFSD Dimensional Short Duration | New | 0.01% | +0.01 |
| WFC Wells Fargo & Co. | Add +3.4% | 0.15% | +0.01 |
| ARCC Ares Capital Corp. | Add +151.2% | 0.03% | +0.01 |
| IBIT iShares Bitcoin Trust ETF | New | 0.01% | +0.01 |
| DFUV Dimensional US Marketwide Va | New | 0.01% | +0.01 |
| ACWV iShares MSCI Global Min Vol | New | 0.01% | +0.01 |
| ADP Automatic Data Processing | Add +141.0% | 0.02% | +0.01 |
| SCHG Schwab US Large-Cap Growth | Add +7.3% | 0.25% | +0.01 |
| TEAM Atlassian Corp. Class A | New | 0.01% | +0.01 |
| BTC Grayscale Bitcoin Mini ETF | Add +415.6% | 0.02% | +0.01 |
| PSI Invesco Semiconductors ETF | New | 0.01% | +0.01 |
| WMT Walmart Inc. | Add +1.2% | 0.16% | +0.01 |
| EAGG iShares ESG Aware US Aggrega | Add +917.6% | 0.01% | +0.01 |
| VTES Vanguard SH Term Tax-Ex Bond | Add +7.4% | 0.20% | +0.01 |
Notes & Other Activity Q3 2025 → Q4 2025
| RFG Invesco S&P Midcap 400 Pure | S&P MDCP400 PR | New | 0 | $16K |
| READY CAPITAL CORP (RC 6.25 PERP C) | 6.25 CNV PFD C | Sold out | 670 | $11Kbefore exit |
| HYLN Hyliion Holdings Corp. | COMMON STOCK | New | 0 | $9K |
| BIO GREEN MED SOLUTION (BGMS 6 PERP) | PFD CONV EX 6% | New | 1,849 | $7K |
| ETHA iShares Ethereum Trust ETF | SHS | New | 0 | $1K |
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 |