Werba Rubin Papier Wealth Management
In its 13F for Q4 2024 (holdings as of December 31, 2024, filed February 3, 2025), Werba Rubin Papier Wealth Management reported 195 stock positions worth $423.9 million. Its top holding was Avantis U.S. Equity ETF (AVUS) at 14.0% of the portfolio, followed by Avantis International Equity (AVDE, 10.9%) and Avantis US Small Cap Value (AVUV, 10.5%). Compared with Q3 2024, it opened 20 new positions, sold out of 18, added to 83 and reduced 72. The biggest buy was Avantis U.S. Equity ETF (AVUS, shares +2%) and the biggest sale Apple (AAPL, shares −17%).
- Most Recent 13F
- Q2 2026
- Location
- SAN JOSE, CA
- CIK
- 0001971029
- Portfolio Value
- $423.9M (Q4 2024)
- SEC Filing
- 0001754960-25-000092 ↗ filed Feb 3, 2025
Holdings Value
Holdings 195 stocks · $423.9M
| AVUS Avantis U.S. Equity ETF | 14.03% | 613,733 | $59.5M | Add +1.7% |
| AVDE Avantis International Equity | 10.87% | 750,964 | $46.1M | Add +1.0% |
| AVUV Avantis US Small Cap Value | 10.54% | 462,894 | $44.7M | Add +1.1% |
| AAPL Apple Inc. | 5.51% | 93,244 | $23.4M | Reduce -16.8% |
| AVDV Avantis Intl S/C Value ETF | 4.39% | 285,852 | $18.6M | Add +1.8% |
| VUG Vanguard Mrngstar GR ETF-Sui | 3.61% | 37,283 | $15.3M | Reduce -3.9% |
| SCHQ Schwab Long-Term US Treasury | 2.26% | 304,870 | $9.6M | Add +41.8% |
| AVEM Avantis Emerging Markets Eq | 2.25% | 162,041 | $9.5M | Add +1.6% |
| DFUV Dimensional US Marketwide Va | 1.99% | 206,021 | $8.4M | Reduce -0.2% |
| VTV Vanguard Mrngstr Val ETF-Aui | 1.82% | 45,687 | $7.7M | Reduce -1.2% |
| DFIV Dimensional International Va | 1.78% | 213,147 | $7.6M | Add +0.5% |
| VOO Vanguard S&P 500 ETF | 1.27% | 10,018 | $5.4M | Add +3.9% |
| SCHV Schwab US Large-Cap Value | 1.22% | 197,655 | $5.2M | Add +0.6% |
| NVDA Nvidia Corp. | 1.17% | 36,917 | $5.0M | Add +1.0% |
| AVSF Avantis Short-Term Fixed Inc. | 1.01% | 92,998 | $4.3M | Add +5.7% |
| VIGI Vanguard Int Div App Indx FD | 0.93% | 49,302 | $3.9M | Reduce -3.5% |
| AMZN Amazon.com Inc. | 0.93% | 17,923 | $3.9M | Reduce -5.5% |
| BSJP Invesco Bulletshares 2025 HY | 0.92% | 168,621 | $3.9M | Add +1.6% |
| MSFT Microsoft Corp. | 0.91% | 9,124 | $3.8M | Reduce -0.4% |
| DFAI Dimensional International Co. | 0.87% | 125,642 | $3.7M | Add +4.5% |
| SCHG Schwab US Large-Cap Growth | 0.82% | 125,404 | $3.5M | Reduce -5.4% |
| VBR Vngrd Mrngst SL-CP Val ETF-U | 0.80% | 17,106 | $3.4M | Reduce -0.5% |
| DFAC Dimensional US Core Equity 2 | 0.79% | 97,312 | $3.4M | Add +0.2% |
| META Meta Platforms Inc. Class A | 0.74% | 5,347 | $3.1M | Add +2.5% |
| EMXC iShares MSCI Emr MRK Ex Chna | 0.71% | 54,087 | $3.0M | Add +18.0% |
| DFUS Dimensional US Eq MKT ETF | 0.68% | 45,223 | $2.9M | Add +8.1% |
| DFAT Dimensional US Target Value | 0.66% | 50,339 | $2.8M | Reduce -0.3% |
| GOOG Alphabet Inc. Class C | 0.64% | 14,289 | $2.7M | Add +66.8% |
| VWO Vanguard Ftse Emerging Marke | 0.64% | 61,501 | $2.7M | Reduce -2.7% |
| GOOGL Alphabet Inc. Class A | 0.63% | 14,054 | $2.7M | Add +8.5% |
| AVLV Avantis US Large Cap Value | 0.62% | 39,258 | $2.6M | Reduce -2.9% |
| CRM Salesforce Inc. | 0.60% | 7,559 | $2.5M | Reduce -20.3% |
| VTI VG Morningstar TS MKT ETF-US | 0.57% | 8,357 | $2.4M | Reduce -5.1% |
| BIV Vanguard Intermediate-Term B | 0.55% | 30,944 | $2.3M | Add +12.6% |
| TSLA Tesla Inc. | 0.54% | 5,652 | $2.3M | Reduce -30.7% |
| AVIV Avantis Intl LRG Cap Val ETF | 0.52% | 42,293 | $2.2M | Reduce -0.8% |
| VOT Vngrd Mrngstr MC GRW ETF-Usd | 0.52% | 8,616 | $2.2M | Reduce -2.3% |
| VOE Vngrd Mrngstr MD-Cap Val ETF | 0.50% | 13,101 | $2.1M | Reduce -1.9% |
| IVV iShares Core S&P 500 ETF | 0.48% | 3,472 | $2.0M | Reduce -0.3% |
| V Visa Inc. Class A | 0.44% | 5,931 | $1.9M | Reduce -5.6% |
| MQ Marqeta Inc. | 0.44% | 493,118 | $1.9M | Reduce -0.3% |
| AVGE Avantis All Eqty Mrkts ETF | 0.42% | 24,632 | $1.8M | Add +8.7% |
| SPY SS SPDR S&P 500 ETF Trust-US | 0.38% | 2,740 | $1.6M | Add +10.6% |
| IGSB iShares 1-5Y Inv Grade Corp. | 0.37% | 30,217 | $1.6M | Reduce -1.5% |
| VBK Van Morst SML-Cap Gro-Usd Inc. | 0.36% | 5,515 | $1.5M | Reduce -2.3% |
| XOM Exxon Mobil Corp. | 0.36% | 14,135 | $1.5M | Reduce -0.8% |
| BSJQ Invesco Bulletshares 2026 HY | 0.34% | 61,479 | $1.4M | Add +8.5% |
| TGT Target Corp. | 0.33% | 10,404 | $1.4M | Reduce -1.8% |
| BRK.B Berkshire Hathaway Inc. Class B | 0.31% | 2,926 | $1.3M | Add +3.6% |
| IEF iShares 7-10 Year Treasury B | 0.28% | 13,031 | $1.2M | No change |
| QQQ Invesco QQQ Trust Series 1 | 0.28% | 2,351 | $1.2M | Add +7.9% |
| AGG iShares Core U.S. Aggregate | 0.28% | 12,260 | $1.2M | Add +2.2% |
| IWY iShares Russell Top 200 Grow | 0.28% | 5,024 | $1.2M | No change |
| SNOW Snowflake Inc. | 0.28% | 7,587 | $1.2M | Reduce -20.1% |
| CDNS Cadence Design SYS Inc. | 0.28% | 3,881 | $1.2M | Add +0.3% |
| DFAE Dimensional Emerging Core Eq | 0.26% | 43,845 | $1.1M | Add +0.1% |
| JPM JPMorgan Chase & Co. | 0.26% | 4,621 | $1.1M | Reduce -3.0% |
| IBHF iShares Ibond 2026 HY & Inc. | 0.25% | 46,638 | $1.1M | No change |
| AVSC Avantis US Small Cap Equity | 0.25% | 19,418 | $1.1M | Add +6.2% |
| ESGD iShares Trust iShares ESG Aw | 0.24% | 13,463 | $1.0M | Reduce -0.1% |
| BND Vanguard Total Bond Market | 0.24% | 14,252 | $1.0M | New |
| VHT Vanguard Health Care ETF | 0.24% | 3,973 | $1.0M | Reduce -2.6% |
| DISV Dimensional International SM | 0.23% | 37,454 | $995K | Add +0.0% |
| CMF iShares California Muni Bond | 0.23% | 22,638 | $987K | Add +50.2% |
| SOXX iShares Semiconductor ETF | 0.23% | 4,561 | $983K | No change |
| COST Costco Wholesale Corp. | 0.23% | 1,065 | $976K | Reduce -6.0% |
| MA Mastercard Inc. Class A | 0.23% | 1,816 | $956K | Reduce -1.5% |
| IBHE iShares Ibonds 2025 H/Y Inc. | 0.22% | 39,486 | $916K | Add +14.2% |
| IBM Intl Business Machines Corp. filed as INTERNATIONAL BUSINESS MACHS | 0.20% | 3,867 | $850K | Add +0.3% |
| VB Vanguard Most SM-Cap ETF-Usd | 0.20% | 3,526 | $847K | Add +0.1% |
| DFAS Dimensional US Small Cap ETF | 0.20% | 12,738 | $829K | Reduce -0.1% |
| SVCO Silvaco Group Inc. | 0.19% | 100,000 | $808K | New |
| AVRE Avantis Real Estate ETF | 0.19% | 18,718 | $785K | Add +5.2% |
| VGT Vanguard Info Tech ETF | 0.18% | 1,252 | $778K | Reduce -2.7% |
| GLD SPDR Gold Shares | 0.18% | 3,100 | $751K | Add +33.8% |
| DFLV Dim US Large Cap Value ETF | 0.17% | 24,445 | $734K | Reduce -3.3% |
| GILD Gilead Sciences Inc. | 0.17% | 7,916 | $731K | Reduce -43.8% |
| DFSV Dimensional US Small Cap Val | 0.16% | 22,501 | $693K | Reduce -0.6% |
| VNQ Vanguard Real Estate ETF | 0.16% | 7,676 | $684K | Reduce -1.9% |
| PSA Public Storage | 0.16% | 2,275 | $681K | Add +1.7% |
| FBTC Fidelity Wise Origin Bitcoin | 0.16% | 8,334 | $680K | New |
| NEAR iShares SH Dba ETF Usd Inc. | 0.16% | 13,459 | $680K | Reduce -0.5% |
| BIL SS SPDR BB 1-3M T-Bill ETF | 0.16% | 7,423 | $679K | New |
| NFLX Netflix Inc. | 0.15% | 719 | $641K | Add +2.4% |
| IFRA iShares US Infrastructure | 0.15% | 13,664 | $633K | Add +0.0% |
| CVX Chevron Corp. | 0.15% | 4,290 | $621K | Add +3.6% |
| DFIC Dimensional International Co. | 0.14% | 23,732 | $613K | Reduce -0.3% |
| BCI Abrdn Bloomberg All Commodit filed as ABRDN ETFS | 0.14% | 30,986 | $612K | Add +2.6% |
| SBUX Starbucks Corp. | 0.14% | 6,625 | $605K | Reduce -1.5% |
| CSCO Cisco Systems Inc. | 0.14% | 9,803 | $580K | Add +6.7% |
| ORCL Oracle Corp. | 0.14% | 3,455 | $576K | Reduce -3.8% |
| IAU iShares Gold Trust | 0.13% | 11,234 | $556K | No change |
| AVDS Avantis Intl SM Cap Eq ETF | 0.13% | 10,731 | $556K | Add +4.0% |
| HD Home Depot Inc. | 0.13% | 1,415 | $550K | Add +1.4% |
| ADBE Adobe Inc. | 0.13% | 1,219 | $542K | Add +0.9% |
| FNDA Schwab Fndmntl US SM Co. ETF | 0.13% | 18,163 | $539K | No change |
| PRCH Porch Group Inc. | 0.13% | 109,286 | $538K | Reduce -25.0% |
| GWX State Street SPDR S&P Intern | 0.13% | 17,127 | $531K | Add +0.1% |
| T AT&T Inc. | 0.12% | 22,963 | $523K | Add +1.6% |
| UNH Unitedhealth Group Inc. | 0.12% | 1,032 | $522K | Reduce -9.6% |
Portfolio Sells Q3 2024 → Q4 2024
| AAPL Apple Inc. | Reduce -16.8% | 5.51% | −0.62 |
| BSJO Invesco Bulletshares 2024 HY | Sold out | 0.00% | −0.41 |
| IBHD iShares Ibonds 2024 H/Y Inc. | Sold out | 0.00% | −0.24 |
| MQ Marqeta Inc. | Reduce -0.3% | 0.44% | −0.13 |
| VIGI Vanguard Int Div App Indx FD | Reduce -3.5% | 0.93% | −0.13 |
| GILD Gilead Sciences Inc. | Reduce -43.8% | 0.17% | −0.10 |
| VWO Vanguard Ftse Emerging Marke | Reduce -2.7% | 0.64% | −0.07 |
| VTV Vanguard Mrngstr Val ETF-Aui | Reduce -1.2% | 1.82% | −0.07 |
| URI United Rentals Inc. | Sold out | 0.00% | −0.06 |
| NVO Novo-Nordisk A/S-Spons ADR | Reduce -16.4% | 0.09% | −0.06 |
| PWZ Invesco California Amt-Free | Sold out | 0.00% | −0.06 |
| AMD Advanced Micro Devices | Sold out | 0.00% | −0.06 |
| TGT Target Corp. | Reduce -1.8% | 0.33% | −0.06 |
| SHEL Shell PLC-ADR | Sold out | 0.00% | −0.06 |
| DHI D.R. Horton Inc. | Sold out | 0.00% | −0.05 |
| AMAT Applied Materials Inc. | Sold out | 0.00% | −0.05 |
| VGK Vanguard Ftse Europe ETF | Sold out | 0.00% | −0.05 |
| KLAC KLA Corp. | Sold out | 0.00% | −0.05 |
| ELV Elevance Health Inc. | Sold out | 0.00% | −0.05 |
| GIB Cgi Inc. | Sold out | 0.00% | −0.05 |
| PLD Prologis Inc. | Sold out | 0.00% | −0.05 |
| ICE Intercontinental Exchange Inc. | Sold out | 0.00% | −0.05 |
| ASH Ashland Inc. | Sold out | 0.00% | −0.05 |
| AVIV Avantis Intl LRG Cap Val ETF | Reduce -0.8% | 0.52% | −0.04 |
| ING ING Groep N.V.-Sponsored ADR | Sold out | 0.00% | −0.04 |
| ASML ASML Holding NV-NY Reg SHS | Reduce -10.9% | 0.12% | −0.04 |
| UNH Unitedhealth Group Inc. | Reduce -9.6% | 0.12% | −0.03 |
| XOM Exxon Mobil Corp. | Reduce -0.8% | 0.36% | −0.03 |
| VHT Vanguard Health Care ETF | Reduce -2.6% | 0.24% | −0.03 |
| ITB iShares U.S. Home Constructi | Reduce -3.1% | 0.12% | −0.03 |
| DFUV Dimensional US Marketwide Va | Reduce -0.2% | 1.99% | −0.03 |
| VOE Vngrd Mrngstr MD-Cap Val ETF | Reduce -1.9% | 0.50% | −0.03 |
| ESGD iShares Trust iShares ESG Aw | Reduce -0.1% | 0.24% | −0.02 |
| CMCSA Comcast Corp. Class A | Reduce -20.4% | 0.06% | −0.02 |
| LLY Eli Lilly & Co. | Reduce -8.7% | 0.08% | −0.02 |
| PZA Invesco National Amt-Free Mu | Reduce -24.1% | 0.05% | −0.02 |
| VNQ Vanguard Real Estate ETF | Reduce -1.9% | 0.16% | −0.02 |
| MSFT Microsoft Corp. | Reduce -0.4% | 0.91% | −0.02 |
| KO The Coca-Cola Co. | Reduce -3.4% | 0.08% | −0.01 |
| ABBV Abbvie Inc. | Reduce -5.3% | 0.08% | −0.01 |
| VTI VG Morningstar TS MKT ETF-US | Reduce -5.1% | 0.57% | −0.01 |
| CRM Salesforce Inc. | Reduce -20.3% | 0.60% | −0.01 |
| DFIC Dimensional International Co. | Reduce -0.3% | 0.14% | −0.01 |
| A Agilent Technologies Inc. | Reduce -2.0% | 0.10% | −0.01 |
| SBUX Starbucks Corp. | Reduce -1.5% | 0.14% | −0.01 |
| VWOB Vanguard Emerg MKTS Gov BND | Reduce -6.7% | 0.09% | −0.01 |
| CAT Caterpillar Inc. | Reduce -9.9% | 0.06% | −0.01 |
| QCOM Qualcomm Inc. | Reduce -10.3% | 0.05% | −0.01 |
| IGSB iShares 1-5Y Inv Grade Corp. | Reduce -1.5% | 0.37% | −0.01 |
| SCHF Schwab Intl Equity ETF | Reduce -1.0% | 0.09% | −0.01 |
Portfolio Buys Q3 2024 → Q4 2024
| AVUS Avantis U.S. Equity ETF | Add +1.7% | 14.03% | +0.56 |
| SCHQ Schwab Long-Term US Treasury | Add +41.8% | 2.26% | +0.50 |
| GOOG Alphabet Inc. Class C | Add +66.8% | 0.64% | +0.31 |
| BND Vanguard Total Bond Market | New | 0.24% | +0.24 |
| AVUV Avantis US Small Cap Value | Add +1.1% | 10.54% | +0.24 |
| SVCO Silvaco Group Inc. | New | 0.19% | +0.19 |
| FBTC Fidelity Wise Origin Bitcoin | New | 0.16% | +0.16 |
| BIL SS SPDR BB 1-3M T-Bill ETF | New | 0.16% | +0.16 |
| NVDA Nvidia Corp. | Add +1.0% | 1.17% | +0.13 |
| GOOGL Alphabet Inc. Class A | Add +8.5% | 0.63% | +0.12 |
| VCIT Vanguard Int-Term Corporate | New | 0.11% | +0.11 |
| PLTR Palantir Technologies Inc. Class A | New | 0.10% | +0.10 |
| SDOW Proshares Ultpro SHRT DOW30 | New | 0.08% | +0.08 |
| VOO Vanguard S&P 500 ETF | Add +3.9% | 1.27% | +0.08 |
| FETH Fidelity Ethereum Fund | New | 0.07% | +0.07 |
| DFUS Dimensional US Eq MKT ETF | Add +8.1% | 0.68% | +0.07 |
| DASH DoorDash Inc. Class A | New | 0.06% | +0.06 |
| C Citigroup Inc. | New | 0.05% | +0.05 |
| EIX Edison International | New | 0.05% | +0.05 |
| BNY Bank of New York Mellon Corp. | New | 0.05% | +0.05 |
| SYY Sysco Corp. | New | 0.05% | +0.05 |
| XLK SS Technology Select Sector | New | 0.05% | +0.05 |
| EMXC iShares MSCI Emr MRK Ex Chna | Add +18.0% | 0.71% | +0.05 |
| AVSU Avantis Resp US Equity ETF | New | 0.05% | +0.05 |
| DFAU Dimensional US Core Equity M | New | 0.05% | +0.05 |
| EA Electronic Arts Inc. | New | 0.05% | +0.05 |
| ESML iShares ESG Aware MSCI USA S | New | 0.05% | +0.05 |
| SRE Sempra | New | 0.05% | +0.05 |
| F Ford Motor Co. | New | 0.05% | +0.05 |
| SPY SS SPDR S&P 500 ETF Trust-US | Add +10.6% | 0.38% | +0.05 |
| GLD SPDR Gold Shares | Add +33.8% | 0.18% | +0.04 |
| BIV Vanguard Intermediate-Term B | Add +12.6% | 0.55% | +0.04 |
| AVSF Avantis Short-Term Fixed Inc. | Add +5.7% | 1.01% | +0.04 |
| META Meta Platforms Inc. Class A | Add +2.5% | 0.74% | +0.04 |
| NFLX Netflix Inc. | Add +2.4% | 0.15% | +0.03 |
| QQQ Invesco QQQ Trust Series 1 | Add +7.9% | 0.28% | +0.03 |
| CDNS Cadence Design SYS Inc. | Add +0.3% | 0.28% | +0.03 |
| AVGE Avantis All Eqty Mrkts ETF | Add +8.7% | 0.42% | +0.03 |
| CMF iShares California Muni Bond | Add +50.2% | 0.23% | +0.03 |
| IBHE iShares Ibonds 2025 H/Y Inc. | Add +14.2% | 0.22% | +0.03 |
| BSJQ Invesco Bulletshares 2026 HY | Add +8.5% | 0.34% | +0.03 |
| CSCO Cisco Systems Inc. | Add +6.7% | 0.14% | +0.02 |
| BAC Bank of America Corp. | Add +7.1% | 0.12% | +0.02 |
| BSJP Invesco Bulletshares 2025 HY | Add +1.6% | 0.92% | +0.02 |
| AVSC Avantis US Small Cap Equity | Add +6.2% | 0.25% | +0.02 |
| NOW ServiceNow Inc. | Add +1.0% | 0.10% | +0.02 |
| HSBC HSBC Holdings PLC-Spons ADR | Add +12.3% | 0.07% | +0.01 |
| DFAC Dimensional US Core Equity 2 | Add +0.2% | 0.79% | +0.01 |
| GS Goldman Sachs Group Inc. | Add +7.5% | 0.06% | +0.01 |
| WMT Walmart Inc. | Add +4.8% | 0.06% | +0.01 |
All Filings
| Quarter | Positions | 13F Reported Value | Top Holdings |
|---|---|---|---|
| Q2 2026 | 309 | $823.5M | AVUS, AVDE, AVUV, AVDV, AAPL |
| Q1 2026 | 278 | $718.1M | AVUS, AVDE, AVUV, AVDV, AAPL |
| Q4 2025 | 232 | $369.0M | BND, NVDA, VUG, VTV, SCHQ |
| Q3 2025 | 241 | $619.1M | AVUS, AVDE, AVUV, AAPL, AVDV |
| Q2 2025 | 230 | $532.2M | AVUS, AVDE, AVUV, AVDV, AAPL |
| Q1 2025 | 192 | $459.8M | AVUS, AVDE, AVUV, SCHQ, AVDV |
| Q4 2024 | 195 | $423.9M | AVUS, AVDE, AVUV, AAPL, AVDV |
| Q3 2024 | 193 | $426.3M | AVUS, AVDE, AVUV, AAPL, AVDV |
| Q2 2024 | 168 | $362.3M | AVUS, AVDE, AVUV, AAPL, AVDV |
| Q1 2024 | 153 | $344.9M | AVUS, AVDE, AVUV, AVDV, AAPL |