Werba Rubin Papier Wealth Management
In its 13F for Q3 2025 (holdings as of September 30, 2025, filed November 4, 2025), Werba Rubin Papier Wealth Management reported 241 stock positions worth $619.1 million. Its top holding was Avantis U.S. Equity ETF (AVUS) at 11.9% of the portfolio, followed by Avantis International Equity (AVDE, 10.0%) and Avantis US Small Cap Value (AVUV, 7.3%). Compared with Q2 2025, it opened 26 new positions, sold out of 15, added to 121 and reduced 68. The biggest buy was Nvidia (NVDA, shares +285%) and the biggest sale Schwab Long-Term US Treasury (SCHQ, shares −12%).
- Most Recent 13F
- Q2 2026
- Location
- SAN JOSE, CA
- CIK
- 0001971029
- Portfolio Value
- $619.1M (Q3 2025)
- SEC Filing
- 0001754960-25-000747 ↗ filed Nov 4, 2025
Holdings Value
Holdings 241 stocks · $619.1M
| AVUS Avantis U.S. Equity ETF | 11.94% | 680,282 | $73.9M | Add +4.4% |
| AVDE Avantis International Equity | 9.99% | 783,850 | $61.8M | Add +4.2% |
| AVUV Avantis US Small Cap Value | 7.29% | 453,155 | $45.1M | Reduce -0.5% |
| AAPL Apple Inc. | 4.80% | 116,652 | $29.7M | Add +1.2% |
| AVDV Avantis Intl S/C Value ETF | 4.55% | 316,400 | $28.2M | Add +4.7% |
| NVDA Nvidia Corp. | 3.98% | 131,924 | $24.6M | Add +284.8% |
| VUG Vanguard Mrngstar GR ETF-Sui | 3.28% | 42,327 | $20.3M | Add +2.3% |
| VTV Vanguard Mrngstr Val ETF-Aui | 3.22% | 106,782 | $19.9M | Add +87.9% |
| BND Vanguard Total Bond Market | 3.01% | 250,820 | $18.7M | Add +24.8% |
| SCHQ Schwab Long-Term US Treasury | 2.65% | 507,361 | $16.4M | Reduce -12.3% |
| AVEM Avantis Emerging Markets Eq | 2.14% | 176,013 | $13.2M | Add +1.6% |
| IEF iShares 7-10 Year Treasury B | 1.88% | 120,565 | $11.6M | Add +5.2% |
| DFIV Dimensional International Va | 1.79% | 240,051 | $11.1M | Add +11.3% |
| DFUV Dimensional US Marketwide Va | 1.35% | 187,068 | $8.4M | Reduce -0.2% |
| CGCB Cap Group Core Bond | 1.26% | 293,811 | $7.8M | Add +3078.7% |
| PRCT Procept Biorobotics Corp. | 1.21% | 210,000 | $7.5M | No change |
| DFAI Dimensional International Co. | 1.11% | 189,244 | $6.9M | Add +23.0% |
| AVSF Avantis Short-Term Fixed Inc. | 1.01% | 132,111 | $6.2M | Add +16.4% |
| SCHV Schwab US Large-Cap Value | 0.94% | 199,953 | $5.8M | Reduce -5.1% |
| MSFT Microsoft Corp. | 0.90% | 10,794 | $5.6M | Add +3.1% |
| VIGI Vanguard Int Div App Indx FD | 0.88% | 60,922 | $5.5M | Add +10.7% |
| VOO Vanguard S&P 500 ETF | 0.88% | 8,884 | $5.4M | Reduce -0.5% |
| DFAC Dimensional US Core Equity 2 | 0.80% | 128,851 | $5.0M | Add +0.4% |
| DFUS Dimensional US Eq MKT ETF | 0.68% | 58,303 | $4.2M | Add +2.1% |
| SPY SS SPDR S&P 500 ETF Trust-US | 0.66% | 6,113 | $4.1M | Add +27.2% |
| AVLV Avantis US Large Cap Value | 0.64% | 55,256 | $4.0M | Reduce -0.2% |
| META Meta Platforms Inc. Class A | 0.60% | 5,053 | $3.7M | Reduce -7.5% |
| VWO Vanguard Ftse Emerging Marke | 0.59% | 67,563 | $3.7M | Add +0.3% |
| EMXC iShares MSCI Emr MRK Ex Chna | 0.57% | 51,945 | $3.5M | Reduce -0.2% |
| VBR Vngrd Mrngst SL-CP Val ETF-U | 0.57% | 16,776 | $3.5M | Add +6.2% |
| AMZN Amazon.com Inc. | 0.57% | 15,946 | $3.5M | Reduce -3.5% |
| GOOG Alphabet Inc. Class C | 0.56% | 14,182 | $3.5M | Add +6.4% |
| GOOGL Alphabet Inc. Class A | 0.54% | 13,724 | $3.3M | Add +8.0% |
| VTI VG Morningstar TS MKT ETF-US | 0.49% | 9,240 | $3.0M | Reduce -5.6% |
| BSJP Invesco Bulletshares 2025 HY | 0.49% | 130,753 | $3.0M | Reduce -17.0% |
| VOE Vngrd Mrngstr MD-Cap Val ETF | 0.46% | 16,272 | $2.8M | Add +12.5% |
| AVIV Avantis Intl LRG Cap Val ETF | 0.46% | 41,917 | $2.8M | Reduce -3.7% |
| VOT Vngrd Mrngstr MC GRW ETF-Usd | 0.45% | 9,510 | $2.8M | Add +1.3% |
| AVGE Avantis All Eqty Mrkts ETF | 0.45% | 33,395 | $2.8M | Add +9.9% |
| DFAT Dimensional US Target Value | 0.43% | 46,120 | $2.7M | Add +2.5% |
| SCHG Schwab US Large-Cap Growth | 0.43% | 83,669 | $2.7M | Reduce -1.3% |
| MQ Marqeta Inc. | 0.42% | 493,118 | $2.6M | No change |
| BRK.B Berkshire Hathaway Inc. Class B | 0.41% | 5,018 | $2.5M | Add +51.0% |
| DFSD Dimensional Short Duration | 0.38% | 48,713 | $2.3M | Add +18.4% |
| IVV iShares Core S&P 500 ETF | 0.37% | 3,385 | $2.3M | Reduce -0.9% |
| V Visa Inc. Class A | 0.36% | 6,549 | $2.2M | Reduce -0.8% |
| COST Costco Wholesale Corp. | 0.35% | 2,323 | $2.2M | Add +114.3% |
| TSLA Tesla Inc. | 0.33% | 4,621 | $2.1M | Reduce -22.6% |
| GLD SPDR Gold Shares | 0.31% | 5,446 | $1.9M | Reduce -10.5% |
| VBK Van Morst SML-Cap Gro-Usd Inc. | 0.30% | 6,272 | $1.9M | Add +4.2% |
| JPM JPMorgan Chase & Co. | 0.30% | 5,821 | $1.8M | Add +14.6% |
| DFAU Dimensional US Core Equity M | 0.28% | 37,637 | $1.7M | Add +12.8% |
| SNOW Snowflake Inc. | 0.26% | 7,252 | $1.6M | Reduce -27.8% |
| XOM Exxon Mobil Corp. | 0.25% | 13,886 | $1.6M | Reduce -1.1% |
| DFAE Dimensional Emerging Core Eq | 0.24% | 47,293 | $1.5M | Add +4.7% |
| BSJQ Invesco Bulletshares 2026 HY | 0.23% | 61,825 | $1.4M | Add +0.2% |
| QQQ Invesco QQQ Trust Series 1 | 0.23% | 2,323 | $1.4M | Reduce -2.1% |
| CGSD Cap Group Short Duration | 0.22% | 53,386 | $1.4M | New |
| IWY iShares Russell Top 200 Grow | 0.22% | 5,024 | $1.4M | No change |
| CDNS Cadence Design SYS Inc. | 0.22% | 3,879 | $1.4M | Reduce -0.6% |
| BIV Vanguard Intermediate-Term B | 0.21% | 17,008 | $1.3M | Reduce -48.2% |
| DFIC Dimensional International Co. | 0.21% | 40,381 | $1.3M | Reduce -3.3% |
| DISV Dimensional International SM | 0.21% | 36,987 | $1.3M | Add +1.2% |
| AVIG Avantis Core Fixed Income | 0.21% | 30,652 | $1.3M | Add +111.3% |
| DCOR Dimensional US Core Eq 1 ETF | 0.21% | 17,655 | $1.3M | Add +0.4% |
| AVSC Avantis US Small Cap Equity | 0.21% | 22,185 | $1.3M | Reduce -0.3% |
| ORCL Oracle Corp. | 0.20% | 4,512 | $1.3M | Add +3.6% |
| VXUS Vanguard Total Intl Stock | 0.19% | 16,206 | $1.2M | Add +0.9% |
| ESGD iShares Trust iShares ESG Aw | 0.19% | 12,699 | $1.2M | Reduce -5.9% |
| IBM Intl Business Machines Corp. filed as INTERNATIONAL BUSINESS MACHS | 0.19% | 4,183 | $1.2M | Add +0.7% |
| CRM Salesforce Inc. | 0.18% | 4,801 | $1.1M | Reduce -6.4% |
| IBHF iShares Ibond 2026 HY & Inc. | 0.18% | 46,638 | $1.1M | No change |
| AVRE Avantis Real Estate ETF | 0.17% | 23,685 | $1.1M | Add +5.0% |
| MA Mastercard Inc. Class A | 0.17% | 1,850 | $1.1M | Add +3.0% |
| SVCO Silvaco Group Inc. | 0.16% | 186,080 | $1.0M | Add +86.1% |
| SOXX iShares Semiconductor ETF | 0.16% | 3,565 | $967K | Reduce -6.6% |
| TGT Target Corp. | 0.16% | 10,713 | $961K | Add +0.1% |
| VGLT Vanguard Long-Term Treasury | 0.15% | 16,724 | $951K | New |
| NFLX Netflix Inc. | 0.15% | 751 | $900K | Add +2.2% |
| PRCH Porch Group Inc. | 0.14% | 53,286 | $894K | Reduce -51.2% |
| GILD Gilead Sciences Inc. | 0.14% | 7,942 | $882K | Reduce -0.2% |
| DFAS Dimensional US Small Cap ETF | 0.14% | 12,797 | $876K | Add +1.6% |
| BIL SS SPDR BB 1-3M T-Bill ETF | 0.14% | 9,448 | $867K | Reduce -47.6% |
| IAU iShares Gold Trust | 0.13% | 11,443 | $833K | No change |
| VHT Vanguard Health Care ETF | 0.13% | 3,170 | $823K | Reduce -1.3% |
| IFRA iShares US Infrastructure | 0.13% | 15,394 | $813K | Add +0.2% |
| VNQ Vanguard Real Estate ETF | 0.13% | 8,738 | $799K | Add +7.2% |
| AVGO Broadcom Inc. | 0.13% | 2,404 | $793K | Add +6.0% |
| VGT Vanguard Info Tech ETF | 0.13% | 1,058 | $790K | Reduce -5.3% |
| GDX Vaneck Gold Miners ETF | 0.13% | 10,273 | $785K | Add +120.3% |
| BRK.A Berkshire Hathaway Inc. Class A | 0.12% | 1 | $754K | No change |
| DFIS Dimensional International SM | 0.12% | 23,812 | $753K | Add +23.6% |
| IBHE iShares Ibonds 2025 H/Y Inc. | 0.12% | 32,336 | $751K | Reduce -0.9% |
| AVDS Avantis Intl SM Cap Eq ETF | 0.12% | 11,011 | $744K | Reduce -1.1% |
| PLTR Palantir Technologies Inc. Class A | 0.11% | 3,851 | $702K | Reduce -5.8% |
| DFCF Dimensional Core Fixed Inc. | 0.11% | 16,282 | $696K | Add +9.4% |
| GWX State Street SPDR S&P Intern | 0.11% | 17,219 | $692K | No change |
| HPE Hewlett Packard Enterprise | 0.11% | 28,010 | $688K | Add +16.9% |
| AVES Avantis Emerging Markets Val | 0.11% | 11,962 | $686K | Reduce -0.9% |
| T AT&T Inc. | 0.11% | 24,090 | $680K | Add +2.5% |
Portfolio Sells Q2 2025 → Q3 2025
| SCHQ Schwab Long-Term US Treasury | Reduce -12.3% | 2.65% | −0.82 |
| AVUV Avantis US Small Cap Value | Reduce -0.5% | 7.29% | −0.51 |
| IGSB iShares 1-5Y Inv Grade Corp. | Sold out | 0.00% | −0.33 |
| BIV Vanguard Intermediate-Term B | Reduce -48.2% | 0.21% | −0.26 |
| AGG iShares Core U.S. Aggregate | Sold out | 0.00% | −0.25 |
| BSJP Invesco Bulletshares 2025 HY | Reduce -17.0% | 0.49% | −0.20 |
| BIL SS SPDR BB 1-3M T-Bill ETF | Reduce -47.6% | 0.14% | −0.17 |
| BCI Abrdn Bloomberg All Commodit | Sold out | 0.00% | −0.17 |
| NEAR iShares SH Dba ETF Usd Inc. | Sold out | 0.00% | −0.16 |
| META Meta Platforms Inc. Class A | Reduce -7.5% | 0.60% | −0.16 |
| SNOW Snowflake Inc. | Reduce -27.8% | 0.26% | −0.16 |
| SCHV Schwab US Large-Cap Value | Reduce -5.1% | 0.94% | −0.15 |
| DFUV Dimensional US Marketwide Va | Reduce -0.2% | 1.35% | −0.14 |
| CMF iShares California Muni Bond | Reduce -67.6% | 0.05% | −0.12 |
| AMZN Amazon.com Inc. | Reduce -3.5% | 0.57% | −0.12 |
| PRCH Porch Group Inc. | Reduce -51.2% | 0.14% | −0.10 |
| VWOB Vanguard Emerg MKTS Gov BND | Sold out | 0.00% | −0.08 |
| V Visa Inc. Class A | Reduce -0.8% | 0.36% | −0.08 |
| CRM Salesforce Inc. | Reduce -6.4% | 0.18% | −0.08 |
| DFLV Dim US Large Cap Value ETF | Sold out | 0.00% | −0.08 |
| VOO Vanguard S&P 500 ETF | Reduce -0.5% | 0.88% | −0.07 |
| VTI VG Morningstar TS MKT ETF-US | Reduce -5.6% | 0.49% | −0.07 |
| INTC Intel Corp. | Sold out | 0.00% | −0.07 |
| AVLV Avantis US Large Cap Value | Reduce -0.2% | 0.64% | −0.06 |
| SPOT Spotify Technology SA | Sold out | 0.00% | −0.06 |
| AVIV Avantis Intl LRG Cap Val ETF | Reduce -3.7% | 0.46% | −0.05 |
| EMXC iShares MSCI Emr MRK Ex Chna | Reduce -0.2% | 0.57% | −0.05 |
| DFSV Dimensional US Small Cap Val | Reduce -39.9% | 0.06% | −0.05 |
| VEA Vanguard Ftse Developed ETF | Reduce -30.4% | 0.08% | −0.05 |
| IWD iShares Russell 1000 Value E | Sold out | 0.00% | −0.04 |
| RSG Republic Services Inc. | Sold out | 0.00% | −0.04 |
| QID Proshares Ultrashort QQQ | Sold out | 0.00% | −0.04 |
| GWW WW Grainger Inc. | Sold out | 0.00% | −0.04 |
| PM Philip Morris International | Sold out | 0.00% | −0.04 |
| WAB Wabtec Corp. | Sold out | 0.00% | −0.04 |
| BUG Global X Cybersecurity ETF | Sold out | 0.00% | −0.04 |
| GLD SPDR Gold Shares | Reduce -10.5% | 0.31% | −0.04 |
| ESGD iShares Trust iShares ESG Aw | Reduce -5.9% | 0.19% | −0.04 |
| SCHG Schwab US Large-Cap Growth | Reduce -1.3% | 0.43% | −0.03 |
| IVV iShares Core S&P 500 ETF | Reduce -0.9% | 0.37% | −0.03 |
| XOM Exxon Mobil Corp. | Reduce -1.1% | 0.25% | −0.03 |
| DFIC Dimensional International Co. | Reduce -3.3% | 0.21% | −0.03 |
| TSLA Tesla Inc. | Reduce -22.6% | 0.33% | −0.02 |
| GILD Gilead Sciences Inc. | Reduce -0.2% | 0.14% | −0.02 |
| PSA Public Storage | Reduce -2.2% | 0.11% | −0.02 |
| IBHE iShares Ibonds 2025 H/Y Inc. | Reduce -0.9% | 0.12% | −0.02 |
| QQQ Invesco QQQ Trust Series 1 | Reduce -2.1% | 0.23% | −0.02 |
| NVO Novo-Nordisk A/S-Spons ADR | Reduce -8.0% | 0.04% | −0.02 |
| CTAS Cintas Corp. | Reduce -1.2% | 0.06% | −0.02 |
| SMFG Sumitomo Mitsui-Spons ADR | Reduce -29.9% | 0.03% | −0.02 |
Portfolio Buys Q2 2025 → Q3 2025
| NVDA Nvidia Corp. | Add +284.8% | 3.98% | +2.96 |
| VTV Vanguard Mrngstr Val ETF-Aui | Add +87.9% | 3.22% | +1.33 |
| CGCB Cap Group Core Bond | Add +3078.7% | 1.26% | +1.22 |
| AAPL Apple Inc. | Add +1.2% | 4.80% | +0.35 |
| BND Vanguard Total Bond Market | Add +24.8% | 3.01% | +0.23 |
| CGSD Cap Group Short Duration | New | 0.22% | +0.22 |
| VGLT Vanguard Long-Term Treasury | New | 0.15% | +0.15 |
| COST Costco Wholesale Corp. | Add +114.3% | 0.35% | +0.15 |
| GOOGL Alphabet Inc. Class A | Add +8.0% | 0.54% | +0.12 |
| GOOG Alphabet Inc. Class C | Add +6.4% | 0.56% | +0.11 |
| DFAI Dimensional International Co. | Add +23.0% | 1.11% | +0.11 |
| BRK.B Berkshire Hathaway Inc. Class B | Add +51.0% | 0.41% | +0.10 |
| SPY SS SPDR S&P 500 ETF Trust-US | Add +27.2% | 0.66% | +0.10 |
| KKR KKR & Co. Inc. | New | 0.10% | +0.10 |
| AVIG Avantis Core Fixed Income | Add +111.3% | 0.21% | +0.09 |
| DGCB Dimensional Global Credit | New | 0.09% | +0.09 |
| GDX Vaneck Gold Miners ETF | Add +120.3% | 0.13% | +0.08 |
| SCHB Schwab US Broad Market ETF | New | 0.08% | +0.08 |
| SVCO Silvaco Group Inc. | Add +86.1% | 0.16% | +0.07 |
| SCHD Schwab US DVD Equity ETF | New | 0.06% | +0.06 |
| DFIV Dimensional International Va | Add +11.3% | 1.79% | +0.05 |
| BLK BlackRock Inc. | New | 0.05% | +0.05 |
| SIVR Abrdn Physical Silver Shares | New | 0.05% | +0.05 |
| VSDB Vanguard Short Dur Bond ETF | New | 0.05% | +0.05 |
| AVDV Avantis Intl S/C Value ETF | Add +4.7% | 4.55% | +0.05 |
| KLAC KLA Corp. | New | 0.05% | +0.05 |
| O Realty Income Corp. | New | 0.04% | +0.04 |
| APP AppLovin Corp. Class A | New | 0.04% | +0.04 |
| HOOD Robinhood Markets Inc. Class A | New | 0.04% | +0.04 |
| DFGP Dimensional GLBL Core PL Fix | New | 0.04% | +0.04 |
| EXCHANGE TRADED CONCEPTS TRU | New | 0.04% | +0.04 |
| AWK American Water Works Co. Inc. | New | 0.04% | +0.04 |
| CMI Cummins Inc. | New | 0.04% | +0.04 |
| CB Chubb Ltd. | New | 0.04% | +0.04 |
| SHOP Shopify Inc. Class A | New | 0.04% | +0.04 |
| TEL Te Connectivity PLC | New | 0.04% | +0.04 |
| GRMN Garmin Ltd. | New | 0.04% | +0.04 |
| FAST Fastenal Co. | New | 0.03% | +0.03 |
| DIS The Walt Disney Co. | Add +121.2% | 0.08% | +0.03 |
| QCOM Qualcomm Inc. | New | 0.03% | +0.03 |
| DHI D.R. Horton Inc. | New | 0.03% | +0.03 |
| GEV GE Vernova Inc. | New | 0.03% | +0.03 |
| OEF iShares S&P 100 ETF | New | 0.03% | +0.03 |
| TLT iShares 20+ Year Treasury BD | Add +92.3% | 0.07% | +0.03 |
| FNDB Schwab Fndmntl US BRD Mr ETF | Add +46.3% | 0.10% | +0.03 |
| ORCL Oracle Corp. | Add +3.6% | 0.20% | +0.03 |
| VV Vngrd Mrgstr LRG-Cap ETF-Usd | Add +59.8% | 0.07% | +0.02 |
| BAC Bank of America Corp. | Add +32.2% | 0.10% | +0.02 |
| JPM JPMorgan Chase & Co. | Add +14.6% | 0.30% | +0.02 |
| DUHP Dimensional US High Profi Et | Add +45.5% | 0.08% | +0.02 |
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 |