Wolff Financial Management LLC

Name: Wolff Financial Management LLC 13F holdings, Q4 2024
Creator: Wolff Financial Management LLC
Published: 2025-01-21

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

In its 13F for Q4 2024 (holdings as of December 31, 2024, filed January 21, 2025), Wolff Financial Management LLC reported 94 stock positions worth $360.4 million. Its top holding was Vanguard Mrngstar GR ETF-Sui (VUG) at 10.8% of the portfolio, followed by Vanguard Ftse Developed ETF (VEA, 9.0%) and iShares Core Dividend Growth (DGRO, 8.7%). Compared with Q3 2024, it opened 2 new positions, sold out of 6, added to 33 and reduced 28. The biggest buy was Vanguard Short-Term Treasury (VGSH, shares +7%) and the biggest sale Eli Lilly (LLY, shares −2%).

Most Recent 13F: Q2 2026
Location: KALAMAZOO, MI
CIK: 0001767940
Portfolio Value: $360.4M (Q4 2024)
SEC Filing: 0001767940-25-000001 ↗ filed Jan 21, 2025

Holdings Value

Holdings 94 stocks · $360.4M


VUG Vanguard Mrngstar GR ETF-Sui	10.85%	95,264	$39.1M	Reduce -2.8%
VEA Vanguard Ftse Developed ETF	9.02%	679,424	$32.5M	Add +2.8%
DGRO iShares Core Dividend Growth	8.66%	508,917	$31.2M	Reduce -0.3%
SDY SS SPDR S&P Dividend ETF	8.49%	231,681	$30.6M	Add +0.6%
VB Vanguard Most SM-Cap ETF-Usd	7.37%	110,481	$26.5M	Add +0.1%
VYM Vanguard High DVD Yield ETF	7.28%	205,663	$26.2M	Reduce -1.4%
VO Vngrd Mrngstr MD-Cap ETF-Usd	6.18%	84,263	$22.3M	Add +0.3%
VCSH Vanguard S/T Corp. Bond ETF	6.06%	280,066	$21.8M	Add +2.9%
VGSH Vanguard Short-Term Treasury	5.39%	334,016	$19.4M	Add +6.9%
VOT Vngrd Mrngstr MC GRW ETF-Usd	2.89%	41,014	$10.4M	Reduce -4.3%
LLY Eli Lilly & Co.	1.89%	8,805	$6.8M	Reduce -2.5%
VBK Van Morst SML-Cap Gro-Usd Inc.	1.60%	20,537	$5.8M	Reduce -0.3%
AAPL Apple Inc.	1.36%	19,522	$4.9M	Reduce -0.3%
RPG Invesco S&P 500 Pure Growth	1.27%	111,269	$4.6M	Reduce -1.4%
SPEM State Street SP PTF Em ETF	1.21%	113,643	$4.4M	Add +7.7%
MZTI The Marzetti Company filed as LANCASTER COLONY CORP	1.14%	23,799	$4.1M	Add +3.0%
HDV iShares Core High Dividend E	1.03%	33,121	$3.7M	Add +0.1%
VGT Vanguard Info Tech ETF	0.98%	5,688	$3.5M	Add +10.8%
VBR Vngrd Mrngst SL-CP Val ETF-U	0.92%	16,651	$3.3M	Reduce -0.7%
SYK Stryker Corp.	0.89%	8,952	$3.2M	Reduce -0.3%
MSFT Microsoft Corp.	0.75%	6,375	$2.7M	Reduce -4.9%
K Kellanova	0.73%	32,504	$2.6M	No change
CAT Caterpillar Inc.	0.50%	5,002	$1.8M	Reduce -0.2%
VDC Vanguard Consumer Staple ETF	0.49%	8,343	$1.8M	Add +0.8%
PG The Procter & Gamble Co.	0.47%	10,125	$1.7M	Add +0.0%
QQQ Invesco QQQ Trust Series 1	0.46%	3,276	$1.7M	Add +0.7%
VOE Vngrd Mrngstr MD-Cap Val ETF	0.43%	9,564	$1.5M	Reduce -1.9%
MCD McDonald's Corp.	0.41%	5,113	$1.5M	No change
QCOM Qualcomm Inc.	0.39%	9,207	$1.4M	No change
VTV Vanguard Mrngstr Val ETF-Aui	0.39%	8,256	$1.4M	Add +0.6%
CVX Chevron Corp.	0.36%	8,845	$1.3M	Reduce -0.1%
BRK.B Berkshire Hathaway Inc. Class B	0.35%	2,766	$1.3M	No change
MRK Merck & Co. Inc.	0.34%	12,384	$1.2M	No change
VIG Vanguard Dividend Apprec ETF	0.34%	6,214	$1.2M	Reduce -3.2%
EFA iShares MSCI Eafe ETF	0.33%	15,868	$1.2M	Add +0.8%
PFE Pfizer Inc.	0.33%	45,054	$1.2M	Reduce -23.7%
DVY iShares Select Dividend ETF	0.33%	9,070	$1.2M	Add +0.2%
VZ Verizon Communications Inc.	0.31%	28,331	$1.1M	Add +0.0%
VTEB Vanguard Tax-Exempt Bond ETF	0.27%	19,629	$984K	Reduce -1.5%
UPS United Parcel Service Class B	0.26%	7,532	$950K	Add +0.1%
QUAL iShares MSCI USA Quality Fac	0.26%	5,213	$928K	Reduce -8.8%
PEP Pepsico Inc.	0.25%	5,955	$906K	Reduce -0.5%
AEP American Electric Power	0.23%	9,124	$842K	No change
V Visa Inc. Class A	0.23%	2,604	$823K	No change
META Meta Platforms Inc. Class A	0.22%	1,384	$810K	Reduce -0.2%
SPLV Invesco S&P 500 Low Volatili	0.22%	11,547	$808K	Add +0.3%
VAW Vanguard Materials ETF	0.22%	4,166	$782K	Add +0.1%
JPM JPMorgan Chase & Co.	0.21%	3,209	$769K	No change
MO Altria Group Inc.	0.21%	14,220	$744K	Add +0.0%
KO The Coca-Cola Co.	0.19%	10,979	$684K	Reduce -9.2%
XLI SS Industrial Select Sector	0.19%	5,156	$679K	No change
SCHF Schwab Intl Equity ETF	0.18%	34,559	$639K	Add +2.2%
USB US Bancorp	0.18%	13,359	$639K	Add +0.0%
CSCO Cisco Systems Inc.	0.17%	10,607	$628K	No change
KMB Kimberly-Clark Corp.	0.17%	4,787	$627K	No change
LMT Lockheed Martin Corp.	0.17%	1,262	$613K	No change
CLX Clorox Company	0.17%	3,725	$605K	No change
PFG Principal Financial Group	0.17%	7,815	$605K	No change
SPY SS SPDR S&P 500 ETF Trust-US	0.17%	1,025	$601K	No change
SLQD iShares 0-5 YR Inv GRD Corp.	0.16%	11,886	$591K	Reduce -23.6%
RTX RTX Corp.	0.16%	5,049	$584K	Add +0.1%
BMY Bristol-Myers Squibb Co.	0.16%	9,950	$563K	No change
PM Philip Morris International	0.15%	4,523	$544K	No change
DUK Duke Energy Corp.	0.14%	4,810	$518K	No change
GLD SPDR Gold Shares	0.14%	2,083	$504K	Reduce -1.4%
IJJ iShares S&P Mid-Cap 400 Valu	0.14%	4,000	$500K	No change
GOOGL Alphabet Inc. Class A	0.13%	2,564	$485K	Add +0.1%
EFAV iShares MSCI Eafe Min Vol Fa	0.13%	6,641	$470K	Reduce -6.9%
TD Toronto-Dominion Bank	0.11%	7,771	$414K	No change
AMGN Amgen Inc.	0.11%	1,568	$409K	No change
IWP iShares Russell Mid-Cap Grow	0.11%	3,168	$402K	Add +0.1%
IQLT iShares MSCI International Q	0.11%	10,205	$379K	No change
EFG iShares MSCI Eafe Growth ETF	0.10%	3,865	$374K	Reduce -7.7%
BX Blackstone Inc.	0.10%	2,047	$353K	Add +0.1%
NFG National Fuel Gas Co.	0.10%	5,678	$345K	No change
DOW Dow Inc.	0.09%	8,270	$332K	No change
GIS General Mills Inc.	0.09%	5,201	$332K	No change
VTI VG Morningstar TS MKT ETF-US	0.09%	1,147	$332K	Reduce -18.6%
AMZN Amazon.com Inc.	0.09%	1,460	$320K	Reduce -0.4%
AMAT Applied Materials Inc.	0.09%	1,965	$320K	No change
GILD Gilead Sciences Inc.	0.08%	3,160	$292K	No change
SCHG Schwab US Large-Cap Growth	0.08%	10,111	$282K	Add +9.8%
NULV Nuveen ESG Large-Cap Val ETF	0.08%	7,022	$276K	Add +2.1%
MOAT Vaneck Morningstar Wide Moat	0.08%	2,918	$271K	Add +0.4%
ET Energy Transfer LP	0.07%	13,132	$257K	Add +0.1%
GD General Dynamics Corp.	0.07%	963	$254K	No change
NULG Nuveen ESG LRG-Cap GRW ETF	0.07%	2,936	$252K	Add +0.1%
AVGO Broadcom Inc.	0.07%	1,054	$244K	New
TTE Totalenergies SE -Spon ADR	0.06%	4,224	$230K	No change
EPD Enterprise Products Partners	0.06%	7,034	$221K	No change
BSV Vanguard Short-Term Bond ETF	0.06%	2,821	$218K	Reduce -15.9%
PSX Phillips 66	0.06%	1,815	$207K	No change
SPDW Ste STR SPDR PT DW Eu ETF	0.06%	5,865	$200K	Add +1.4%
WMT Walmart Inc.	0.06%	2,214	$200K	New

Portfolio Sells Q3 2024 → Q4 2024


LLY Eli Lilly & Co.	Reduce -2.5%	1.89%	−0.29
VONG Vanguard Russell 1000 Growth	Sold out	0.00%	−0.17
INTC Intel Corp.	Sold out	0.00%	−0.14
PFE Pfizer Inc.	Reduce -23.7%	0.33%	−0.13
NUV Nuveen Municipal Value	Sold out	0.00%	−0.09
WDC Western Digital Corp.	Sold out	0.00%	−0.06
JNJ Johnson & Johnson	Sold out	0.00%	−0.06
MDLZ Mondelez International Inc. Class A	Sold out	0.00%	−0.06
SLQD iShares 0-5 YR Inv GRD Corp.	Reduce -23.6%	0.16%	−0.05
KO The Coca-Cola Co.	Reduce -9.2%	0.19%	−0.05
MSFT Microsoft Corp.	Reduce -4.9%	0.75%	−0.04
DGRO iShares Core Dividend Growth	Reduce -0.3%	8.66%	−0.03
CAT Caterpillar Inc.	Reduce -0.2%	0.50%	−0.03
PEP Pepsico Inc.	Reduce -0.5%	0.25%	−0.02
QUAL iShares MSCI USA Quality Fac	Reduce -8.8%	0.26%	−0.02
EFG iShares MSCI Eafe Growth ETF	Reduce -7.7%	0.10%	−0.02
EFAV iShares MSCI Eafe Min Vol Fa	Reduce -6.9%	0.13%	−0.02
VTI VG Morningstar TS MKT ETF-US	Reduce -18.6%	0.09%	−0.02
VOE Vngrd Mrngstr MD-Cap Val ETF	Reduce -1.9%	0.43%	−0.01
BSV Vanguard Short-Term Bond ETF	Reduce -15.9%	0.06%	−0.01
VIG Vanguard Dividend Apprec ETF	Reduce -3.2%	0.34%	−0.01
VTEB Vanguard Tax-Exempt Bond ETF	Reduce -1.5%	0.27%	−0.00
GLD SPDR Gold Shares	Reduce -1.4%	0.14%	+0.00
VBR Vngrd Mrngst SL-CP Val ETF-U	Reduce -0.7%	0.92%	+0.00
CVX Chevron Corp.	Reduce -0.1%	0.36%	+0.00
META Meta Platforms Inc. Class A	Reduce -0.2%	0.22%	+0.01
SYK Stryker Corp.	Reduce -0.3%	0.89%	+0.01
AMZN Amazon.com Inc.	Reduce -0.4%	0.09%	+0.01
VYM Vanguard High DVD Yield ETF	Reduce -1.4%	7.28%	+0.02
VOT Vngrd Mrngstr MC GRW ETF-Usd	Reduce -4.3%	2.89%	+0.05
RPG Invesco S&P 500 Pure Growth	Reduce -1.4%	1.27%	+0.07
VBK Van Morst SML-Cap Gro-Usd Inc.	Reduce -0.3%	1.60%	+0.10
AAPL Apple Inc.	Reduce -0.3%	1.36%	+0.12
VUG Vanguard Mrngstar GR ETF-Sui	Reduce -2.8%	10.85%	+0.63

Portfolio Buys Q3 2024 → Q4 2024


VGSH Vanguard Short-Term Treasury	Add +6.9%	5.39%	+0.38
VB Vanguard Most SM-Cap ETF-Usd	Add +0.1%	7.37%	+0.25
VCSH Vanguard S/T Corp. Bond ETF	Add +2.9%	6.06%	+0.19
VGT Vanguard Info Tech ETF	Add +10.8%	0.98%	+0.16
VO Vngrd Mrngstr MD-Cap ETF-Usd	Add +0.3%	6.18%	+0.16
AVGO Broadcom Inc.	New	0.07%	+0.07
WMT Walmart Inc.	New	0.06%	+0.06
MZTI The Marzetti Company	Add +3.0%	1.14%	+0.04
QQQ Invesco QQQ Trust Series 1	Add +0.7%	0.46%	+0.03
SPEM State Street SP PTF Em ETF	Add +7.7%	1.21%	+0.03
GOOGL Alphabet Inc. Class A	Add +0.1%	0.13%	+0.02
ET Energy Transfer LP	Add +0.1%	0.07%	+0.01
SCHG Schwab US Large-Cap Growth	Add +9.8%	0.08%	+0.01
BX Blackstone Inc.	Add +0.1%	0.10%	+0.01
USB US Bancorp	Add +0.0%	0.18%	+0.01
IWP iShares Russell Mid-Cap Grow	Add +0.1%	0.11%	+0.01
MO Altria Group Inc.	Add +0.0%	0.21%	+0.01
NULG Nuveen ESG LRG-Cap GRW ETF	Add +0.1%	0.07%	+0.00
SPLV Invesco S&P 500 Low Volatili	Add +0.3%	0.22%	−0.00
VTV Vanguard Mrngstr Val ETF-Aui	Add +0.6%	0.39%	−0.00
NULV Nuveen ESG Large-Cap Val ETF	Add +2.1%	0.08%	−0.00
MOAT Vaneck Morningstar Wide Moat	Add +0.4%	0.08%	−0.00
VDC Vanguard Consumer Staple ETF	Add +0.8%	0.49%	−0.00
DVY iShares Select Dividend ETF	Add +0.2%	0.33%	−0.00
SPDW Ste STR SPDR PT DW Eu ETF	Add +1.4%	0.06%	−0.00
RTX RTX Corp.	Add +0.1%	0.16%	−0.00
PG The Procter & Gamble Co.	Add +0.0%	0.47%	−0.01
SCHF Schwab Intl Equity ETF	Add +2.2%	0.18%	−0.01
UPS United Parcel Service Class B	Add +0.1%	0.26%	−0.02
VAW Vanguard Materials ETF	Add +0.1%	0.22%	−0.02
EFA iShares MSCI Eafe ETF	Add +0.8%	0.33%	−0.02
HDV iShares Core High Dividend E	Add +0.1%	1.03%	−0.03
VZ Verizon Communications Inc.	Add +0.0%	0.31%	−0.03
SDY SS SPDR S&P Dividend ETF	Add +0.6%	8.49%	−0.39
VEA Vanguard Ftse Developed ETF	Add +2.8%	9.02%	−0.47

All Filings

Quarter	Positions	13F Reported Value	Top Holdings
Q2 2026	106	$501.5M	VEA, VUG, DGRO, SDY, VB
Q1 2026	103	$452.5M	VEA, VUG, DGRO, SDY, VYM
Q4 2025	101	$444.6M	VUG, VEA, DGRO, SDY, VYM
Q3 2025	101	$430.8M	VUG, VEA, DGRO, SDY, VYM
Q2 2025	98	$387.1M	VUG, VEA, DGRO, SDY, VYM
Q1 2025	97	$361.0M	VUG, VEA, SDY, DGRO, VYM
Q4 2024	94	$360.4M	VUG, VEA, DGRO, SDY, VB
Q3 2024	98	$368.1M	VUG, VEA, SDY, DGRO, VYM
Q2 2024	42	$135.4M	DGRO, SDY, VCSH, VGSH, RPG
Q1 2024	97	$343.1M	VUG, VEA, SDY, DGRO, VB