Wells Financial Advisors INC

Name: Wells Financial Advisors INC 13F holdings, Q3 2025
Creator: Wells Financial Advisors INC
Published: 2025-10-20

Q2 2026Q1 2026Q4 2025Q2 2025Q1 2025Q4 2024Q3 2024Q2 2024Q1 2024

In its 13F for Q3 2025 (holdings as of September 30, 2025, filed October 20, 2025), Wells Financial Advisors INC reported 71 stock positions worth $74.7 million. Its top holding was Vanguard Mrngstar GR ETF-Sui (VUG) at 12.0% of the portfolio, followed by Vngrd Mrgstr MG CP GR ETF-Ui (MGK, 10.3%) and iShares MSCI USA Min Vol Fac (USMV, 6.4%). Compared with Q2 2025, it opened 1 new position, sold out of 6, added to 7 and reduced 27. The biggest buy was iShares 10-20 Year Treasury (TLH, shares +1431%) and the biggest sale Vanguard Short-Term Treasury (VGSH, shares −58%).

Most Recent 13F: Q2 2026
Location: FRAMINGHAM, MA
CIK: 0001844454
Portfolio Value: $74.7M (Q3 2025)
SEC Filing: 0001844454-25-000007 ↗ filed Oct 20, 2025

Holdings Value

Holdings 71 stocks · $74.7M


VUG Vanguard Mrngstar GR ETF-Sui	12.01%	18,717	$9.0M	Reduce -2.8%
MGK Vngrd Mrgstr MG CP GR ETF-Ui	10.30%	19,123	$7.7M	No change
USMV iShares MSCI USA Min Vol Fac	6.45%	50,647	$4.8M	Reduce -7.8%
GLD SPDR Gold Shares	6.09%	12,792	$4.5M	Reduce -1.8%
VYM Vanguard High DVD Yield ETF	5.05%	26,792	$3.8M	Reduce -0.4%
VV Vngrd Mrgstr LRG-Cap ETF-Usd	4.43%	10,745	$3.3M	Reduce -5.3%
QUAL iShares MSCI USA Quality Fac	4.33%	16,643	$3.2M	Reduce -2.6%
SPYG SS SPDR P S&P 500 Growth ETF	4.27%	30,557	$3.2M	Reduce -3.6%
MGV Vngrd Mrgstr MG CP VL ETF-Ui	4.23%	22,965	$3.2M	No change
VO Vngrd Mrngstr MD-Cap ETF-Usd	3.38%	8,609	$2.5M	Reduce -1.1%
VB Vanguard Most SM-Cap ETF-Usd	3.33%	9,778	$2.5M	Reduce -6.5%
SPYV SS SPDR P S&P 500 Value ETF	3.10%	41,845	$2.3M	Reduce -4.3%
VTV Vanguard Mrngstr Val ETF-Aui	2.90%	11,606	$2.2M	Reduce -0.8%
BINC iShares Flex I A ETF-Usd Inc.	2.52%	35,390	$1.9M	Add +69.9%
BND Vanguard Total Bond Market	2.11%	21,196	$1.6M	Reduce -2.7%
VGIT Vanguard Intermediate-Term T	2.09%	25,974	$1.6M	Reduce -3.6%
DYNF Ishrs US E F R A ETF-Usd Inc.	1.90%	24,035	$1.4M	No change
TLH iShares 10-20 Year Treasury	1.76%	12,781	$1.3M	Add +1430.7%
DGRO iShares Core Dividend Growth	1.65%	18,061	$1.2M	Reduce -11.3%
VGSH Vanguard Short-Term Treasury	1.47%	18,682	$1.1M	Reduce -57.9%
VIG Vanguard Dividend Apprec ETF	1.45%	5,020	$1.1M	Reduce -5.3%
IQLT iShares MSCI International Q	1.43%	24,207	$1.1M	Reduce -2.8%
SPYM Ste STR SPDR PT S&P 500 ETF	1.36%	13,015	$1.0M	Reduce -9.8%
IVV iShares Core S&P 500 ETF	1.02%	1,134	$759K	Reduce -24.0%
IUSB Ishr CR Unvrse Usd BD ETF-Ui	0.99%	15,900	$743K	Reduce -3.9%
IJH iShares Core S&P Midcap ETF	0.72%	8,245	$538K	Reduce -26.1%
SUSC iShares ESG Aware Usd Corpor	0.70%	22,345	$526K	No change
VCIT Vanguard Int-Term Corporate	0.65%	5,770	$485K	Add +58.5%
AGG iShares Core U.S. Aggregate	0.59%	4,418	$443K	Reduce -34.0%
IJR iShares Core S&P Small-Cap E	0.58%	3,642	$433K	Reduce -8.3%
VOT Vngrd Mrngstr MC GRW ETF-Usd	0.53%	1,341	$394K	Reduce -1.1%
VBK Van Morst SML-Cap Gro-Usd Inc.	0.49%	1,237	$368K	No change
ESML iShares ESG Aware MSCI USA S	0.43%	7,085	$319K	No change
VTEB Vanguard Tax-Exempt Bond ETF	0.39%	5,880	$294K	Reduce -68.9%
SUSB iShares ESG Aware 1-5 Year U	0.36%	10,660	$270K	No change
VBR Vngrd Mrngst SL-CP Val ETF-U	0.35%	1,251	$261K	No change
IYW iShares Ustechnology ETF	0.34%	1,295	$254K	No change
VOO Vanguard S&P 500 ETF	0.33%	400	$245K	No change
CWB SS SPDR BB Conv Sec ETF	0.31%	2,570	$233K	No change
OEF iShares S&P 100 ETF	0.31%	696	$232K	No change
VOE Vngrd Mrngstr MD-Cap Val ETF	0.28%	1,185	$207K	Reduce -1.3%
THRO iShares U.S. Thematic Rotati	0.24%	4,775	$181K	Add +259.0%
EFV iShares MSCI Eafe Value ETF	0.23%	2,585	$175K	Add +2.6%
IAU iShares Gold Trust	0.23%	2,400	$175K	Add +20.0%
EFG iShares MSCI Eafe Growth ETF	0.23%	1,510	$172K	No change
EFIV SS SPDR S&P 500 ESG ETF	0.22%	2,610	$166K	No change
MSFT Microsoft Corp.	0.21%	303	$157K	No change
MGC Vngrd Mrngstr MG Cap ETF-Usd	0.18%	549	$134K	No change
VMBS Vanguard Mortgage-Backed Sec	0.17%	2,680	$126K	No change
TLT iShares 20+ Year Treasury BD	0.16%	1,352	$121K	Reduce -48.8%
EMXC iShares MSCI Emr MRK Ex Chna	0.15%	1,710	$115K	No change
GOOGL Alphabet Inc. Class A	0.14%	440	$107K	No change
SHYG iShares 0-5 YR HY Corp. Bond	0.12%	2,135	$92K	No change
EQIN Columbia US Eqty Inc. ETF	0.09%	1,410	$66K	No change
AMZN Amazon.com Inc.	0.08%	280	$61K	No change
ESGV Vanguard ESG US Stock ETF	0.06%	400	$47K	No change
ITOT iShares Core S&P Total U.S.	0.06%	320	$47K	No change
IEMG iShares Core MSCI Emerging	0.06%	705	$46K	Add +4.4%
IBDQ iShares Ibonds Dec 2025 Term	0.05%	1,440	$36K	No change
XJH Ishare ESG SS S&P Midcap ETF	0.05%	800	$35K	No change
VSGX Vanguard ESG Intl Stock ETF	0.05%	500	$35K	No change
AVGO Broadcom Inc.	0.03%	70	$23K	No change
RBLX Roblox Corp. Class A	0.03%	150	$21K	No change
ICVT iShares Convertible Bond ETF	0.02%	175	$18K	No change
HEFA Isha Curr Hedged MSCI Eafe	0.02%	425	$17K	No change
IBM Intl Business Machines Corp. filed as INTERNATIONAL BUSINESS MACHS	0.02%	58	$16K	No change
HYDB iShares High Yield Systemati	0.02%	320	$15K	No change
GLDM SPDR Gold Minishares Trust	0.02%	200	$15K	New
HD Home Depot Inc.	0.02%	34	$14K	No change
WMT Walmart Inc.	0.02%	119	$12K	No change
KD Kyndryl Holdings Inc.	0.00%	10	$300	No change

Portfolio Sells Q2 2025 → Q3 2025


VGSH Vanguard Short-Term Treasury	Reduce -57.9%	1.47%	−2.11
VTEB Vanguard Tax-Exempt Bond ETF	Reduce -68.9%	0.39%	−0.88
USMV iShares MSCI USA Min Vol Fac	Reduce -7.8%	6.45%	−0.63
AGG iShares Core U.S. Aggregate	Reduce -34.0%	0.59%	−0.32
IVV iShares Core S&P 500 ETF	Reduce -24.0%	1.02%	−0.26
IJH iShares Core S&P Midcap ETF	Reduce -26.1%	0.72%	−0.23
XLE SS Energy Select Sector	Sold out	0.00%	−0.16
TLT iShares 20+ Year Treasury BD	Reduce -48.8%	0.16%	−0.16
DGRO iShares Core Dividend Growth	Reduce -11.3%	1.65%	−0.14
VGIT Vanguard Intermediate-Term T	Reduce -3.6%	2.09%	−0.13
BND Vanguard Total Bond Market	Reduce -2.7%	2.11%	−0.09
VB Vanguard Most SM-Cap ETF-Usd	Reduce -6.5%	3.33%	−0.08
SPYM Ste STR SPDR PT S&P 500 ETF	Reduce -9.8%	1.36%	−0.08
SPSB SS SPDR P St C Corp. ETF	Sold out	0.00%	−0.07
ICSH iShares Ultra Short Duration	Sold out	0.00%	−0.06
IUSB Ishr CR Unvrse Usd BD ETF-Ui	Reduce -3.9%	0.99%	−0.06
IQLT iShares MSCI International Q	Reduce -2.8%	1.43%	−0.05
VTI VG Morningstar TS MKT ETF-US	Sold out	0.00%	−0.05
SPYV SS SPDR P S&P 500 Value ETF	Reduce -4.3%	3.10%	−0.05
VIG Vanguard Dividend Apprec ETF	Reduce -5.3%	1.45%	−0.04
VV Vngrd Mrgstr LRG-Cap ETF-Usd	Reduce -5.3%	4.43%	−0.02
IJR iShares Core S&P Small-Cap E	Reduce -8.3%	0.58%	−0.02
BOXX Alpha Architect 1-3 MNTH Box	Sold out	0.00%	−0.01
VOT Vngrd Mrngstr MC GRW ETF-Usd	Reduce -1.1%	0.53%	−0.00
SPY SS SPDR S&P 500 ETF Trust-US	Sold out	0.00%	−0.00
VOE Vngrd Mrngstr MD-Cap Val ETF	Reduce -1.3%	0.28%	+0.01
QUAL iShares MSCI USA Quality Fac	Reduce -2.6%	4.33%	+0.04
VO Vngrd Mrngstr MD-Cap ETF-Usd	Reduce -1.1%	3.38%	+0.04
VTV Vanguard Mrngstr Val ETF-Aui	Reduce -0.8%	2.90%	+0.05
SPYG SS SPDR P S&P 500 Growth ETF	Reduce -3.6%	4.27%	+0.12
VYM Vanguard High DVD Yield ETF	Reduce -0.4%	5.05%	+0.13
VUG Vanguard Mrngstar GR ETF-Sui	Reduce -2.8%	12.01%	+0.41
GLD SPDR Gold Shares	Reduce -1.8%	6.09%	+0.63

Portfolio Buys Q2 2025 → Q3 2025


TLH iShares 10-20 Year Treasury	Add +1430.7%	1.76%	+1.65
BINC iShares Flex I A ETF-Usd Inc.	Add +69.9%	2.52%	+1.01
VCIT Vanguard Int-Term Corporate	Add +58.5%	0.65%	+0.23
THRO iShares U.S. Thematic Rotati	Add +259.0%	0.24%	+0.18
IAU iShares Gold Trust	Add +20.0%	0.23%	+0.06
GLDM SPDR Gold Minishares Trust	New	0.02%	+0.02
EFV iShares MSCI Eafe Value ETF	Add +2.6%	0.23%	+0.01
IEMG iShares Core MSCI Emerging	Add +4.4%	0.06%	+0.01

All Filings

Quarter	Positions	13F Reported Value	Top Holdings
Q2 2026	42	$10.8M	SPYG, SPYV, QUAL, GLD, SUSC
Q1 2026	54	$22.0M	VUG, GLD, MGK, QUAL, SPYG
Q4 2025	72	$52.6M	MGK, VUG, GLD, USMV, VYM
Q3 2025	71	$74.7M	VUG, MGK, USMV, GLD, VYM
Q2 2025	76	$72.8M	VUG, MGK, USMV, GLD, VYM
Q1 2025	77	$72.5M	VUG, MGK, USMV, GLD, VYM
Q4 2024	78	$73.4M	VUG, MGK, USMV, VV, VYM
Q3 2024	102	$74.0M	VUG, MGK, USMV, VYM, GLD
Q2 2024	83	$151.9M	SPYG, QUAL, SPYV, VGSH, SPYM
Q1 2024	68	$146.8M	SPYG, SPYV, QUAL, VGSH, VO