Werba Rubin Papier Wealth Management
In its 13F for Q4 2025 (holdings as of December 31, 2025, filed January 27, 2026), Werba Rubin Papier Wealth Management reported 232 stock positions worth $369.0 million. Its top holding was Vanguard Total Bond Market (BND) at 7.2% of the portfolio, followed by Nvidia (NVDA, 6.7%) and Vanguard Mrngstar GR ETF-Sui (VUG, 5.7%). Compared with Q3 2025, it opened 35 new positions, sold out of 44, added to 147 and reduced 32. The biggest buy was Vanguard Total Bond Market (BND, shares +44%) and the biggest sale an exit from Avantis U.S. Equity ETF (AVUS).
- Most Recent 13F
- Q2 2026
- Location
- SAN JOSE, CA
- CIK
- 0001971029
- Portfolio Value
- $369.0M (Q4 2025)
- SEC Filing
- 0001971029-26-000001 ↗ filed Jan 27, 2026
Holdings Value
Holdings 232 stocks · $369.0M
| BND Vanguard Total Bond Market | 7.24% | 360,595 | $26.7M | Add +43.8% |
| NVDA Nvidia Corp. | 6.74% | 133,352 | $24.9M | Add +1.1% |
| VUG Vanguard Mrngstar GR ETF-Sui | 5.73% | 43,375 | $21.2M | Add +2.5% |
| VTV Vanguard Mrngstr Val ETF-Aui | 5.68% | 109,844 | $21.0M | Add +2.9% |
| SCHQ Schwab Long-Term US Treasury | 4.15% | 482,748 | $15.3M | Reduce -4.8% |
| IEF iShares 7-10 Year Treasury B | 3.73% | 142,988 | $13.7M | Add +18.6% |
| DFIV Dimensional International Va | 3.27% | 241,881 | $12.1M | Add +0.8% |
| DFSD Dimensional Short Duration | 2.87% | 221,243 | $10.6M | Add +354.2% |
| DFUV Dimensional US Marketwide Va | 2.36% | 186,562 | $8.7M | Reduce -0.3% |
| CGCB Cap Group Core Bond | 2.14% | 298,429 | $7.9M | Add +1.6% |
| DFAI Dimensional International Co. | 1.97% | 191,195 | $7.3M | Add +1.0% |
| PRCT Procept Biorobotics Corp. | 1.79% | 210,000 | $6.6M | No change |
| VOO Vanguard S&P 500 ETF | 1.66% | 9,739 | $6.1M | Add +9.6% |
| MSFT Microsoft Corp. | 1.64% | 12,492 | $6.0M | Add +15.7% |
| VIGI Vanguard Int Div App Indx FD | 1.58% | 63,659 | $5.8M | Add +4.5% |
| SCHV Schwab US Large-Cap Value | 1.52% | 189,715 | $5.6M | Reduce -5.1% |
| DFAC Dimensional US Core Equity 2 | 1.45% | 135,208 | $5.4M | Add +4.9% |
| GOOG Alphabet Inc. Class C | 1.28% | 14,996 | $4.7M | Add +5.7% |
| GOOGL Alphabet Inc. Class A | 1.25% | 14,751 | $4.6M | Add +7.5% |
| DFUS Dimensional US Eq MKT ETF | 1.17% | 58,365 | $4.3M | Add +0.1% |
| VWO Vanguard Ftse Emerging Marke | 1.06% | 72,459 | $3.9M | Add +7.3% |
| EMXC iShares MSCI Emr MRK Ex Chna | 1.02% | 51,748 | $3.8M | Reduce -0.4% |
| META Meta Platforms Inc. Class A | 1.02% | 5,692 | $3.8M | Add +12.7% |
| VBR Vngrd Mrngst SL-CP Val ETF-U | 0.95% | 16,555 | $3.5M | Reduce -1.3% |
| SPY SS SPDR S&P 500 ETF Trust-US | 0.91% | 4,951 | $3.4M | Reduce -19.0% |
| VTI VG Morningstar TS MKT ETF-US | 0.84% | 9,238 | $3.1M | Reduce -0.0% |
| VOE Vngrd Mrngstr MD-Cap Val ETF | 0.78% | 16,260 | $2.9M | Reduce -0.1% |
| VOT Vngrd Mrngstr MC GRW ETF-Usd | 0.76% | 10,031 | $2.8M | Add +5.5% |
| DFAT Dimensional US Target Value | 0.75% | 46,561 | $2.8M | Add +1.0% |
| GLD SPDR Gold Shares | 0.73% | 6,771 | $2.7M | Add +24.3% |
| SCHG Schwab US Large-Cap Growth | 0.72% | 81,492 | $2.7M | Reduce -2.6% |
| V Visa Inc. Class A | 0.66% | 6,970 | $2.4M | Add +6.4% |
| MQ Marqeta Inc. | 0.63% | 493,118 | $2.3M | No change |
| TSLA Tesla Inc. | 0.62% | 5,072 | $2.3M | Add +9.8% |
| IVV iShares Core S&P 500 ETF | 0.59% | 3,204 | $2.2M | Reduce -5.3% |
| DFAU Dimensional US Core Equity M | 0.57% | 44,859 | $2.1M | Add +19.2% |
| VBK Van Morst SML-Cap Gro-Usd Inc. | 0.53% | 6,506 | $2.0M | Add +3.7% |
| JPM JPMorgan Chase & Co. | 0.51% | 5,868 | $1.9M | Add +0.8% |
| COST Costco Wholesale Corp. | 0.51% | 2,179 | $1.9M | Reduce -6.2% |
| XOM Exxon Mobil Corp. | 0.47% | 14,495 | $1.7M | Add +4.4% |
| DFAE Dimensional Emerging Core Eq | 0.43% | 48,452 | $1.6M | Add +2.5% |
| SNOW Snowflake Inc. | 0.43% | 7,168 | $1.6M | Reduce -1.2% |
| BIV Vanguard Intermediate-Term B | 0.41% | 19,626 | $1.5M | Add +15.4% |
| DFCF Dimensional Core Fixed Inc. | 0.41% | 35,121 | $1.5M | Add +115.7% |
| BSJQ Invesco Bulletshares 2026 HY | 0.39% | 61,989 | $1.4M | Add +0.3% |
| CGSD Cap Group Short Duration | 0.39% | 55,315 | $1.4M | Add +3.6% |
| DISV Dimensional International SM | 0.38% | 37,004 | $1.4M | Add +0.1% |
| DFIC Dimensional International Co. | 0.38% | 40,414 | $1.4M | Add +0.1% |
| IWY iShares Russell Top 200 Grow | 0.38% | 5,024 | $1.4M | No change |
| CRM Salesforce Inc. | 0.37% | 5,108 | $1.4M | Add +6.4% |
| NOW ServiceNow Inc. | 0.36% | 8,606 | $1.3M | Add +394.6% |
| DCOR Dimensional US Core Eq 1 ETF | 0.35% | 17,417 | $1.3M | Reduce -1.4% |
| CDNS Cadence Design SYS Inc. | 0.34% | 3,978 | $1.2M | Add +2.5% |
| VXUS Vanguard Total Intl Stock | 0.33% | 16,176 | $1.2M | Reduce -0.2% |
| MA Mastercard Inc. Class A | 0.31% | 1,982 | $1.1M | Add +7.1% |
| AVGO Broadcom Inc. | 0.30% | 3,240 | $1.1M | Add +34.8% |
| ORCL Oracle Corp. | 0.30% | 5,631 | $1.1M | Add +24.8% |
| IBHF iShares Ibond 2026 HY & Inc. | 0.29% | 46,638 | $1.1M | No change |
| SOXX iShares Semiconductor ETF | 0.29% | 3,567 | $1.1M | Add +0.1% |
| ESGD iShares Trust iShares ESG Aw | 0.29% | 11,272 | $1.1M | Reduce -11.2% |
| FTCA Franklin Ca Muni Inc. ETF | 0.27% | 137,783 | $1.0M | New |
| GILD Gilead Sciences Inc. | 0.27% | 8,209 | $1.0M | Add +3.4% |
| VGLT Vanguard Long-Term Treasury | 0.26% | 16,874 | $942K | Add +0.9% |
| VHT Vanguard Health Care ETF | 0.25% | 3,230 | $930K | Add +1.9% |
| IAU iShares Gold Trust | 0.25% | 11,443 | $929K | No change |
| DFAS Dimensional US Small Cap ETF | 0.25% | 13,171 | $918K | Add +2.9% |
| GDX Vaneck Gold Miners ETF | 0.24% | 10,300 | $883K | Add +0.3% |
| BIL SS SPDR BB 1-3M T-Bill ETF | 0.24% | 9,507 | $869K | Add +0.6% |
| LLY Eli Lilly & Co. | 0.23% | 799 | $859K | Add +17.2% |
| CSCO Cisco Systems Inc. | 0.22% | 10,633 | $819K | Add +21.2% |
| IFRA iShares US Infrastructure | 0.22% | 15,432 | $812K | Add +0.3% |
| AVGB Avantis Credit ETF | 0.22% | 15,711 | $798K | Add +194.0% |
| VGT Vanguard Info Tech ETF | 0.22% | 1,058 | $798K | No change |
| PLTR Palantir Technologies Inc. Class A | 0.22% | 4,466 | $794K | Add +16.0% |
| VNQ Vanguard Real Estate ETF | 0.21% | 8,947 | $792K | Add +2.4% |
| DFIS Dimensional International SM | 0.21% | 23,825 | $785K | Add +0.1% |
| NFLX Netflix Inc. | 0.20% | 8,063 | $756K | Add +7.4% |
| SVCO Silvaco Group Inc. | 0.20% | 186,080 | $754K | No change |
| JNJ Johnson & Johnson | 0.20% | 3,511 | $727K | Add +18.3% |
| CVX Chevron Corp. | 0.19% | 4,714 | $718K | Add +20.3% |
| DFEM Dimensional Emrg MRKT Core | 0.19% | 21,614 | $715K | Add +5.9% |
| VB Vanguard Most SM-Cap ETF-Usd | 0.19% | 2,752 | $710K | Add +7.6% |
| GWX State Street SPDR S&P Intern | 0.19% | 17,237 | $704K | Add +0.1% |
| ABBV Abbvie Inc. | 0.19% | 3,051 | $697K | Add +11.0% |
| VSDB Vanguard Short Dur Bond ETF | 0.19% | 9,046 | $692K | Add +127.3% |
| HPE Hewlett Packard Enterprise | 0.18% | 28,076 | $674K | Add +0.2% |
| VCIT Vanguard Int-Term Corporate | 0.18% | 7,946 | $665K | Add +44.6% |
| GE General Electric filed as GE AEROSPACE | 0.18% | 2,098 | $646K | Add +59.1% |
| A Agilent Technologies Inc. | 0.17% | 4,638 | $631K | Add +11.0% |
| WMT Walmart Inc. | 0.17% | 5,629 | $627K | Add +26.4% |
| T AT&T Inc. | 0.17% | 24,719 | $614K | Add +2.6% |
| ASML ASML Holding NV-NY Reg SHS | 0.17% | 572 | $612K | Add +4.0% |
| PSA Public Storage | 0.16% | 2,343 | $608K | Add +3.3% |
| ADBE Adobe Inc. | 0.16% | 1,719 | $602K | Add +29.1% |
| DUHP Dimensional US High Profi Et | 0.16% | 15,751 | $599K | Add +22.7% |
| KEYS Keysight Technologies Inc. | 0.16% | 2,899 | $589K | Add +5.6% |
| FBTC Fidelity Wise Origin Bitcoin | 0.16% | 7,515 | $573K | Add +19.0% |
| FNDA Schwab Fndmntl US SM Co. ETF | 0.16% | 18,163 | $572K | No change |
| IWP iShares Russell Mid-Cap Grow | 0.15% | 4,097 | $561K | Add +0.1% |
| KO The Coca-Cola Co. | 0.15% | 7,977 | $558K | Add +11.8% |
Portfolio Sells Q3 2025 → Q4 2025
| AVUS Avantis U.S. Equity ETF | Sold out | 0.00% | −11.94 |
| AVDE Avantis International Equity | Sold out | 0.00% | −9.99 |
| AVUV Avantis US Small Cap Value | Sold out | 0.00% | −7.29 |
| AAPL Apple Inc. | Sold out | 0.00% | −4.80 |
| AVDV Avantis Intl S/C Value ETF | Sold out | 0.00% | −4.55 |
| AVEM Avantis Emerging Markets Eq | Sold out | 0.00% | −2.14 |
| AVSF Avantis Short-Term Fixed Inc. | Sold out | 0.00% | −1.01 |
| AVLV Avantis US Large Cap Value | Sold out | 0.00% | −0.64 |
| AMZN Amazon.com Inc. | Sold out | 0.00% | −0.57 |
| BSJP Invesco Bulletshares 2025 HY | Sold out | 0.00% | −0.49 |
| AVIV Avantis Intl LRG Cap Val ETF | Sold out | 0.00% | −0.46 |
| AVGE Avantis All Eqty Mrkts ETF | Sold out | 0.00% | −0.45 |
| BRK.B Berkshire Hathaway Inc. Class B | Sold out | 0.00% | −0.41 |
| QQQ Invesco QQQ Trust Series 1 | Sold out | 0.00% | −0.23 |
| AVIG Avantis Core Fixed Income | Sold out | 0.00% | −0.21 |
| AVSC Avantis US Small Cap Equity | Sold out | 0.00% | −0.21 |
| AVRE Avantis Real Estate ETF | Sold out | 0.00% | −0.17 |
| TGT Target Corp. | Sold out | 0.00% | −0.16 |
| BRK.A Berkshire Hathaway Inc. Class A | Sold out | 0.00% | −0.12 |
| IBHE iShares Ibonds 2025 H/Y Inc. | Sold out | 0.00% | −0.12 |
| AVDS Avantis Intl SM Cap Eq ETF | Sold out | 0.00% | −0.12 |
| IBM Intl Business Machines Corp. | Reduce -78.5% | 0.07% | −0.12 |
| AVES Avantis Emerging Markets Val | Sold out | 0.00% | −0.11 |
| BAC Bank of America Corp. | Sold out | 0.00% | −0.10 |
| KKR KKR & Co. Inc. | Sold out | 0.00% | −0.10 |
| SCHB Schwab US Broad Market ETF | Sold out | 0.00% | −0.08 |
| ITB iShares U.S. Home Constructi | Sold out | 0.00% | −0.06 |
| SCHD Schwab US DVD Equity ETF | Sold out | 0.00% | −0.06 |
| ADI Analog Devices Inc. | Sold out | 0.00% | −0.05 |
| AEM Agnico Eagle Mines Ltd. | Sold out | 0.00% | −0.05 |
| BNY Bank of New York Mellon Corp. | Sold out | 0.00% | −0.05 |
| SIVR Abrdn Physical Silver Shares | Sold out | 0.00% | −0.05 |
| AVSU Avantis Resp US Equity ETF | Sold out | 0.00% | −0.05 |
| BA The Boeing Co. | Sold out | 0.00% | −0.05 |
| TXN Texas Instruments Inc. | Sold out | 0.00% | −0.05 |
| RTX RTX Corp. | Sold out | 0.00% | −0.04 |
| COIN Coinbase Global Inc. Class A | Sold out | 0.00% | −0.04 |
| AEP American Electric Power | Sold out | 0.00% | −0.04 |
| EXCHANGE TRADED CONCEPTS TRU | Sold out | 0.00% | −0.04 |
| AWK American Water Works Co. Inc. | Sold out | 0.00% | −0.04 |
| VVV Valvoline Inc. | Sold out | 0.00% | −0.04 |
| AVMA Avantis Mod Alloc ETF | Sold out | 0.00% | −0.04 |
| AMAT Applied Materials Inc. | Sold out | 0.00% | −0.03 |
| DHI D.R. Horton Inc. | Sold out | 0.00% | −0.03 |
| BDN Brandywine Realty Trust | Sold out | 0.00% | −0.01 |
| EUAD Select Stoxx Eur Aer DE ETF | Reduce -26.7% | 0.07% | +0.01 |
| BLK BlackRock Inc. | Reduce -24.7% | 0.06% | +0.01 |
| KMI Kinder Morgan Inc. | Reduce -11.6% | 0.05% | +0.02 |
| ESML iShares ESG Aware MSCI USA S | Reduce -12.2% | 0.05% | +0.02 |
| IWM iShares Russell 2000 ETF | Reduce -18.5% | 0.07% | +0.02 |
Portfolio Buys Q3 2025 → Q4 2025
| BND Vanguard Total Bond Market | Add +43.8% | 7.24% | +4.22 |
| NVDA Nvidia Corp. | Add +1.1% | 6.74% | +2.76 |
| DFSD Dimensional Short Duration | Add +354.2% | 2.87% | +2.50 |
| VTV Vanguard Mrngstr Val ETF-Aui | Add +2.9% | 5.68% | +2.47 |
| VUG Vanguard Mrngstar GR ETF-Sui | Add +2.5% | 5.73% | +2.46 |
| IEF iShares 7-10 Year Treasury B | Add +18.6% | 3.73% | +1.85 |
| DFIV Dimensional International Va | Add +0.8% | 3.27% | +1.48 |
| CGCB Cap Group Core Bond | Add +1.6% | 2.14% | +0.88 |
| DFAI Dimensional International Co. | Add +1.0% | 1.97% | +0.86 |
| VOO Vanguard S&P 500 ETF | Add +9.6% | 1.66% | +0.78 |
| MSFT Microsoft Corp. | Add +15.7% | 1.64% | +0.73 |
| GOOG Alphabet Inc. Class C | Add +5.7% | 1.28% | +0.72 |
| GOOGL Alphabet Inc. Class A | Add +7.5% | 1.25% | +0.71 |
| VIGI Vanguard Int Div App Indx FD | Add +4.5% | 1.58% | +0.70 |
| DFAC Dimensional US Core Equity 2 | Add +4.9% | 1.45% | +0.65 |
| DFUS Dimensional US Eq MKT ETF | Add +0.1% | 1.17% | +0.49 |
| VWO Vanguard Ftse Emerging Marke | Add +7.3% | 1.06% | +0.46 |
| META Meta Platforms Inc. Class A | Add +12.7% | 1.02% | +0.42 |
| GLD SPDR Gold Shares | Add +24.3% | 0.73% | +0.41 |
| DFAT Dimensional US Target Value | Add +1.0% | 0.75% | +0.32 |
| VOT Vngrd Mrngstr MC GRW ETF-Usd | Add +5.5% | 0.76% | +0.31 |
| NOW ServiceNow Inc. | Add +394.6% | 0.36% | +0.31 |
| V Visa Inc. Class A | Add +6.4% | 0.66% | +0.30 |
| DFCF Dimensional Core Fixed Inc. | Add +115.7% | 0.41% | +0.29 |
| DFAU Dimensional US Core Equity M | Add +19.2% | 0.57% | +0.29 |
| TSLA Tesla Inc. | Add +9.8% | 0.62% | +0.29 |
| FTCA Franklin Ca Muni Inc. ETF | New | 0.27% | +0.27 |
| VBK Van Morst SML-Cap Gro-Usd Inc. | Add +3.7% | 0.53% | +0.23 |
| XOM Exxon Mobil Corp. | Add +4.4% | 0.47% | +0.22 |
| JPM JPMorgan Chase & Co. | Add +0.8% | 0.51% | +0.22 |
| BIV Vanguard Intermediate-Term B | Add +15.4% | 0.41% | +0.20 |
| DFAE Dimensional Emerging Core Eq | Add +2.5% | 0.43% | +0.19 |
| CRM Salesforce Inc. | Add +6.4% | 0.37% | +0.18 |
| AVGO Broadcom Inc. | Add +34.8% | 0.30% | +0.18 |
| AVGB Avantis Credit ETF | Add +194.0% | 0.22% | +0.17 |
| DISV Dimensional International SM | Add +0.1% | 0.38% | +0.17 |
| CGSD Cap Group Short Duration | Add +3.6% | 0.39% | +0.17 |
| DFIC Dimensional International Co. | Add +0.1% | 0.38% | +0.16 |
| BSJQ Invesco Bulletshares 2026 HY | Add +0.3% | 0.39% | +0.16 |
| LLY Eli Lilly & Co. | Add +17.2% | 0.23% | +0.15 |
| VSDB Vanguard Short Dur Bond ETF | Add +127.3% | 0.19% | +0.14 |
| MA Mastercard Inc. Class A | Add +7.1% | 0.31% | +0.14 |
| SOXX iShares Semiconductor ETF | Add +0.1% | 0.29% | +0.13 |
| GILD Gilead Sciences Inc. | Add +3.4% | 0.27% | +0.13 |
| CSCO Cisco Systems Inc. | Add +21.2% | 0.22% | +0.13 |
| VHT Vanguard Health Care ETF | Add +1.9% | 0.25% | +0.12 |
| CDNS Cadence Design SYS Inc. | Add +2.5% | 0.34% | +0.12 |
| LMT Lockheed Martin Corp. | New | 0.11% | +0.11 |
| GDX Vaneck Gold Miners ETF | Add +0.3% | 0.24% | +0.11 |
| GE General Electric | Add +59.1% | 0.18% | +0.11 |
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 |