Wolff Financial Management LLC

In its 13F for Q1 2024 (holdings as of March 31, 2024, filed April 24, 2024), Wolff Financial Management LLC reported 97 stock positions worth $343.1 million. Its top holding was Vanguard Mrngstar GR ETF-Sui (VUG) at 10.5% of the portfolio, followed by Vanguard Ftse Developed ETF (VEA, 9.3%) and SS SPDR S&P Dividend ETF (SDY, 8.4%). Compared with Q4 2023, it opened 2 new positions, sold out of 1, added to 36 and reduced 27. The biggest buy was Vanguard Mrngstar GR ETF-Sui (VUG, shares +0%) and the biggest sale Eli Lilly (LLY, shares −39%).

Most Recent 13F
Q2 2026
Location
KALAMAZOO, MI
CIK
0001767940
Portfolio Value
$343.1M (Q1 2024)
SEC Filing
0001728778-24-000003 ↗ filed Apr 24, 2024

Holdings Value

0$200.0M$400.0M$600.0M Q1 2024: $343.1M $343.1M Q1 2024 Q2 2024: $135.4M Q2 2024 Q3 2024: $368.1M Q3 2024 Q4 2024: $360.4M Q4 2024 Q1 2025: $361.0M Q1 2025 Q2 2025: $387.1M Q2 2025 Q3 2025: $430.8M Q3 2025 Q4 2025: $444.6M Q4 2025 Q1 2026: $452.5M Q1 2026 Q2 2026: $501.5M Q2 2026

Holdings 97 stocks · $343.1M
VUG Vanguard Mrngstar GR ETF-Sui 10.50% 104,614 $36.0M Add +0.4%
VEA Vanguard Ftse Developed ETF 9.27% 634,125 $31.8M Add +2.9%
SDY SS SPDR S&P Dividend ETF 8.40% 219,566 $28.8M Add +1.5%
DGRO iShares Core Dividend Growth 8.24% 487,156 $28.3M Add +2.3%
VB Vanguard Most SM-Cap ETF-Usd 7.25% 108,785 $24.9M Add +1.2%
VYM Vanguard High DVD Yield ETF 7.18% 203,527 $24.6M Reduce -0.4%
VO Vngrd Mrngstr MD-Cap ETF-Usd 6.77% 92,942 $23.2M Reduce -0.4%
VCSH Vanguard S/T Corp. Bond ETF 5.74% 254,497 $19.7M Add +1.5%
VGSH Vanguard Short-Term Treasury 4.85% 286,422 $16.6M Add +0.7%
VOT Vngrd Mrngstr MC GRW ETF-Usd 2.20% 32,065 $7.6M Reduce -4.8%
LLY Eli Lilly & Co. 2.05% 9,029 $7.0M Reduce -39.1%
VBK Van Morst SML-Cap Gro-Usd Inc. 1.64% 21,564 $5.6M Reduce -3.5%
MZTI The Marzetti Company filed as LANCASTER COLONY CORP 1.40% 23,104 $4.8M No change
RPG Invesco S&P 500 Pure Growth 1.29% 120,776 $4.4M Reduce -12.0%
HDV iShares Core High Dividend E 1.09% 33,889 $3.7M Reduce -2.4%
SYK Stryker Corp. 1.06% 10,162 $3.6M Add +0.1%
SPEM State Street SP PTF Em ETF 1.04% 98,455 $3.6M Add +5.1%
AAPL Apple Inc. 0.97% 19,351 $3.3M Add +12.4%
VBR Vngrd Mrngst SL-CP Val ETF-U 0.89% 15,912 $3.1M Add +1.4%
MSFT Microsoft Corp. 0.84% 6,852 $2.9M Add +8.7%
VGT Vanguard Info Tech ETF 0.78% 5,130 $2.7M Reduce -0.1%
K Kellanova 0.59% 35,062 $2.0M Reduce -0.9%
CAT Caterpillar Inc. 0.54% 5,065 $1.9M Reduce -0.9%
VDC Vanguard Consumer Staple ETF 0.49% 8,227 $1.7M Add +0.3%
PG The Procter & Gamble Co. 0.48% 10,116 $1.6M Add +0.0%
MRK Merck & Co. Inc. 0.48% 12,382 $1.6M Add +0.0%
PFE Pfizer Inc. 0.48% 58,818 $1.6M Add +3.9%
VOE Vngrd Mrngstr MD-Cap Val ETF 0.47% 10,389 $1.6M Add +4.6%
VIG Vanguard Dividend Apprec ETF 0.47% 8,776 $1.6M Add +0.0%
QCOM Qualcomm Inc. 0.46% 9,281 $1.6M Reduce -0.3%
MCD McDonald's Corp. 0.42% 5,133 $1.4M Reduce -2.2%
QQQ Invesco QQQ Trust Series 1 0.41% 3,191 $1.4M Reduce -13.7%
CVX Chevron Corp. 0.41% 8,843 $1.4M Add +0.1%
VTV Vanguard Mrngstr Val ETF-Aui 0.37% 7,806 $1.3M Add +10.2%
EFA iShares MSCI Eafe ETF 0.36% 15,577 $1.2M Reduce -11.1%
BRK.B Berkshire Hathaway Inc. Class B 0.34% 2,766 $1.2M Reduce -6.7%
DVY iShares Select Dividend ETF 0.33% 9,075 $1.1M Reduce -13.4%
UPS United Parcel Service Class B 0.33% 7,515 $1.1M Reduce -1.3%
VTI VG Morningstar TS MKT ETF-US 0.32% 4,163 $1.1M Add +4.3%
QUAL iShares MSCI USA Quality Fac 0.31% 6,498 $1.1M Reduce -1.6%
VZ Verizon Communications Inc. 0.31% 25,111 $1.1M Add +0.0%
PEP Pepsico Inc. 0.30% 5,978 $1.0M Add +0.0%
VTEB Vanguard Tax-Exempt Bond ETF 0.29% 19,751 $999K Add +0.3%
INTC Intel Corp. 0.29% 22,412 $990K Add +0.0%
META Meta Platforms Inc. Class A 0.26% 1,857 $902K Reduce -61.9%
VAW Vanguard Materials ETF 0.25% 4,158 $850K Add +0.0%
SPLV Invesco S&P 500 Low Volatili 0.24% 12,268 $808K Add +0.4%
IQLT iShares MSCI International Q 0.23% 20,193 $801K Reduce -9.5%
AEP American Electric Power 0.23% 9,124 $786K No change
KO The Coca-Cola Co. 0.22% 12,495 $764K No change
SLQD iShares 0-5 YR Inv GRD Corp. 0.22% 15,417 $759K Add +0.5%
V Visa Inc. Class A 0.21% 2,603 $727K No change
PFG Principal Financial Group 0.20% 7,815 $675K No change
EFAV iShares MSCI Eafe Min Vol Fa 0.20% 9,449 $670K Reduce -38.5%
XLI SS Industrial Select Sector 0.19% 5,156 $649K No change
JPM JPMorgan Chase & Co. 0.19% 3,209 $643K No change
MO Altria Group Inc. 0.18% 14,212 $620K Add +0.0%
KMB Kimberly-Clark Corp. 0.18% 4,787 $619K No change
USB US Bancorp 0.17% 13,343 $596K Add +0.0%
LMT Lockheed Martin Corp. 0.17% 1,261 $574K No change
VONG Vanguard Russell 1000 Growth 0.17% 6,583 $571K Reduce -1.8%
CLX Clorox Company 0.17% 3,725 $570K No change
SCHF Schwab Intl Equity ETF 0.16% 14,260 $556K No change
BMY Bristol-Myers Squibb Co. 0.16% 9,950 $540K No change
SPY SS SPDR S&P 500 ETF Trust-US 0.16% 1,025 $536K Reduce -30.3%
CSCO Cisco Systems Inc. 0.15% 10,607 $529K No change
RTX RTX Corp. 0.15% 5,172 $504K Reduce -5.9%
DOW Dow Inc. 0.14% 8,270 $479K No change
IJJ iShares S&P Mid-Cap 400 Valu 0.14% 4,000 $473K No change
TD Toronto-Dominion Bank 0.14% 7,771 $469K No change
DUK Duke Energy Corp. 0.14% 4,810 $465K No change
IWP iShares Russell Mid-Cap Grow 0.13% 3,991 $456K Reduce -2.9%
AMGN Amgen Inc. 0.13% 1,568 $446K No change
GLD SPDR Gold Shares 0.13% 2,113 $435K No change
EFG iShares MSCI Eafe Growth ETF 0.13% 4,168 $433K No change
MOAT Vaneck Morningstar Wide Moat 0.12% 4,713 $424K Reduce -4.4%
PM Philip Morris International 0.12% 4,523 $414K No change
AMAT Applied Materials Inc. 0.12% 1,965 $405K No change
GIS General Mills Inc. 0.11% 5,201 $364K No change
GOOGL Alphabet Inc. Class A 0.09% 2,056 $310K Add +11.3%
NFG National Fuel Gas Co. 0.09% 5,678 $305K No change
NUV Nuveen Municipal Value 0.09% 34,697 $302K Add +1.0%
PSX Phillips 66 0.09% 1,815 $296K No change
TTE Totalenergies SE -Spon ADR 0.08% 4,224 $291K No change
AMZN Amazon.com Inc. 0.08% 1,586 $286K No change
GD General Dynamics Corp. 0.08% 980 $277K Reduce -1.8%
BX Blackstone Inc. 0.08% 2,042 $268K Add +0.1%
IJK iShares S&P Mid-Cap 400 Grow 0.08% 2,855 $260K Add +0.2%
EPD Enterprise Products Partners 0.08% 8,834 $258K No change
BSV Vanguard Short-Term Bond ETF 0.07% 3,300 $253K Add +0.5%
SCHG Schwab US Large-Cap Growth 0.07% 2,618 $243K No change
GILD Gilead Sciences Inc. 0.07% 3,160 $231K No change
WDC Western Digital Corp. 0.06% 3,229 $220K New
JNJ Johnson & Johnson 0.06% 1,354 $214K No change
MDLZ Mondelez International Inc. Class A 0.06% 2,962 $207K No change
ET Energy Transfer LP 0.06% 13,069 $206K Add +0.2%
SPDW Ste STR SPDR PT DW Eu ETF 0.06% 5,685 $204K New

Portfolio Sells Q4 2023 → Q1 2024
LLY Eli Lilly & Co. Reduce -39.1% 2.05% −0.62
META Meta Platforms Inc. Class A Reduce -61.9% 0.26% −0.27
EFAV iShares MSCI Eafe Min Vol Fa Reduce -38.5% 0.20% −0.13
VOT Vngrd Mrngstr MC GRW ETF-Usd Reduce -4.8% 2.20% −0.08
RPG Invesco S&P 500 Pure Growth Reduce -12.0% 1.29% −0.07
HAS Hasbro Inc. Sold out 0.00% −0.07
SPY SS SPDR S&P 500 ETF Trust-US Reduce -30.3% 0.16% −0.06
MCD McDonald's Corp. Reduce -2.2% 0.42% −0.06
QQQ Invesco QQQ Trust Series 1 Reduce -13.7% 0.41% −0.05
DVY iShares Select Dividend ETF Reduce -13.4% 0.33% −0.05
EFA iShares MSCI Eafe ETF Reduce -11.1% 0.36% −0.04
UPS United Parcel Service Class B Reduce -1.3% 0.33% −0.04
VBK Van Morst SML-Cap Gro-Usd Inc. Reduce -3.5% 1.64% −0.03
IQLT iShares MSCI International Q Reduce -9.5% 0.23% −0.03
K Kellanova Reduce -0.9% 0.59% −0.03
MOAT Vaneck Morningstar Wide Moat Reduce -4.4% 0.12% −0.01
HDV iShares Core High Dividend E Reduce -2.4% 1.09% −0.00
IWP iShares Russell Mid-Cap Grow Reduce -2.9% 0.13% +0.00
GD General Dynamics Corp. Reduce -1.8% 0.08% +0.00
RTX RTX Corp. Reduce -5.9% 0.15% +0.00
VONG Vanguard Russell 1000 Growth Reduce -1.8% 0.17% +0.00
QUAL iShares MSCI USA Quality Fac Reduce -1.6% 0.31% +0.01
BRK.B Berkshire Hathaway Inc. Class B Reduce -6.7% 0.34% +0.01
VGT Vanguard Info Tech ETF Reduce -0.1% 0.78% +0.02
QCOM Qualcomm Inc. Reduce -0.3% 0.46% +0.04
VO Vngrd Mrngstr MD-Cap ETF-Usd Reduce -0.4% 6.77% +0.07
CAT Caterpillar Inc. Reduce -0.9% 0.54% +0.07
VYM Vanguard High DVD Yield ETF Reduce -0.4% 7.18% +0.14

Portfolio Buys Q4 2023 → Q1 2024
VUG Vanguard Mrngstar GR ETF-Sui Add +0.4% 10.50% +0.49
DGRO iShares Core Dividend Growth Add +2.3% 8.24% +0.33
VB Vanguard Most SM-Cap ETF-Usd Add +1.2% 7.25% +0.17
VEA Vanguard Ftse Developed ETF Add +2.9% 9.27% +0.16
SYK Stryker Corp. Add +0.1% 1.06% +0.12
MSFT Microsoft Corp. Add +8.7% 0.84% +0.11
WDC Western Digital Corp. New 0.06% +0.06
SPDW Ste STR SPDR PT DW Eu ETF New 0.06% +0.06
MRK Merck & Co. Inc. Add +0.0% 0.48% +0.06
SDY SS SPDR S&P Dividend ETF Add +1.5% 8.40% +0.06
VTV Vanguard Mrngstr Val ETF-Aui Add +10.2% 0.37% +0.04
VOE Vngrd Mrngstr MD-Cap Val ETF Add +4.6% 0.47% +0.03
VTI VG Morningstar TS MKT ETF-US Add +4.3% 0.32% +0.02
PG The Procter & Gamble Co. Add +0.0% 0.48% +0.02
VBR Vngrd Mrngst SL-CP Val ETF-U Add +1.4% 0.89% +0.02
VZ Verizon Communications Inc. Add +0.0% 0.31% +0.02
SPEM State Street SP PTF Em ETF Add +5.1% 1.04% +0.01
GOOGL Alphabet Inc. Class A Add +11.3% 0.09% +0.01
IJK iShares S&P Mid-Cap 400 Grow Add +0.2% 0.08% +0.01
VDC Vanguard Consumer Staple ETF Add +0.3% 0.49% +0.01
VIG Vanguard Dividend Apprec ETF Add +0.0% 0.47% +0.01
ET Energy Transfer LP Add +0.2% 0.06% +0.00
MO Altria Group Inc. Add +0.0% 0.18% +0.00
VAW Vanguard Materials ETF Add +0.0% 0.25% +0.00
CVX Chevron Corp. Add +0.1% 0.41% −0.00
SPLV Invesco S&P 500 Low Volatili Add +0.4% 0.24% −0.00
NUV Nuveen Municipal Value Add +1.0% 0.09% −0.00
BX Blackstone Inc. Add +0.1% 0.08% −0.00
USB US Bancorp Add +0.0% 0.17% −0.00
BSV Vanguard Short-Term Bond ETF Add +0.5% 0.07% −0.00
PEP Pepsico Inc. Add +0.0% 0.30% −0.01
SLQD iShares 0-5 YR Inv GRD Corp. Add +0.5% 0.22% −0.01
VTEB Vanguard Tax-Exempt Bond ETF Add +0.3% 0.29% −0.02
PFE Pfizer Inc. Add +3.9% 0.48% −0.03
AAPL Apple Inc. Add +12.4% 0.97% −0.06
INTC Intel Corp. Add +0.0% 0.29% −0.06
VCSH Vanguard S/T Corp. Bond ETF Add +1.5% 5.74% −0.25
VGSH Vanguard Short-Term Treasury Add +0.7% 4.85% −0.27

All Filings

QuarterPositions13F Reported ValueTop Holdings
Q2 2026 106$501.5MVEA, VUG, DGRO, SDY, VB
Q1 2026 103$452.5MVEA, VUG, DGRO, SDY, VYM
Q4 2025 101$444.6MVUG, VEA, DGRO, SDY, VYM
Q3 2025 101$430.8MVUG, VEA, DGRO, SDY, VYM
Q2 2025 98$387.1MVUG, VEA, DGRO, SDY, VYM
Q1 2025 97$361.0MVUG, VEA, SDY, DGRO, VYM
Q4 2024 94$360.4MVUG, VEA, DGRO, SDY, VB
Q3 2024 98$368.1MVUG, VEA, SDY, DGRO, VYM
Q2 2024 42$135.4MDGRO, SDY, VCSH, VGSH, RPG
Q1 2024 97$343.1MVUG, VEA, SDY, DGRO, VB