Wolff Financial Management LLC

In its 13F for Q1 2025 (holdings as of March 31, 2025, filed April 24, 2025), Wolff Financial Management LLC reported 97 stock positions worth $361.0 million. Its top holding was Vanguard Mrngstar GR ETF-Sui (VUG) at 9.7% of the portfolio, followed by Vanguard Ftse Developed ETF (VEA, 9.7%) and SS SPDR S&P Dividend ETF (SDY, 8.8%). Compared with Q4 2024, it opened 5 new positions, sold out of 2, added to 38 and reduced 21. The biggest buy was Vanguard Ftse Developed ETF (VEA, shares +2%) and the biggest sale Vanguard Mrngstar GR ETF-Sui (VUG, shares −1%).

Most Recent 13F
Q2 2026
Location
KALAMAZOO, MI
CIK
0001767940
Portfolio Value
$361.0M (Q1 2025)
SEC Filing
0001767940-25-000003 ↗ filed Apr 24, 2025

Holdings Value

0$200.0M$400.0M$600.0M Q1 2024: $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 $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 · $361.0M
VUG Vanguard Mrngstar GR ETF-Sui 9.72% 94,660 $35.1M Reduce -0.6%
VEA Vanguard Ftse Developed ETF 9.72% 690,181 $35.1M Add +1.6%
SDY SS SPDR S&P Dividend ETF 8.77% 233,353 $31.7M Add +0.7%
DGRO iShares Core Dividend Growth 8.76% 512,017 $31.6M Add +0.6%
VYM Vanguard High DVD Yield ETF 7.37% 206,416 $26.6M Add +0.4%
VB Vanguard Most SM-Cap ETF-Usd 6.84% 111,425 $24.7M Add +0.8%
VCSH Vanguard S/T Corp. Bond ETF 6.36% 290,806 $23.0M Add +3.8%
VO Vngrd Mrngstr MD-Cap ETF-Usd 6.05% 84,463 $21.8M Add +0.2%
VGSH Vanguard Short-Term Treasury 5.69% 349,867 $20.5M Add +4.8%
VOT Vngrd Mrngstr MC GRW ETF-Usd 2.76% 40,776 $10.0M Reduce -0.6%
LLY Eli Lilly & Co. 2.01% 8,805 $7.3M No change
VBK Van Morst SML-Cap Gro-Usd Inc. 1.41% 20,256 $5.1M Reduce -1.4%
SPEM State Street SP PTF Em ETF 1.22% 111,605 $4.4M Reduce -1.8%
AAPL Apple Inc. 1.20% 19,523 $4.3M Add +0.0%
RPG Invesco S&P 500 Pure Growth 1.17% 110,548 $4.2M Reduce -0.7%
MZTI The Marzetti Company filed as LANCASTER COLONY CORP 1.15% 23,799 $4.2M No change
HDV iShares Core High Dividend E 1.09% 32,617 $4.0M Reduce -1.5%
SYK Stryker Corp. 0.93% 9,007 $3.4M Add +0.6%
VGT Vanguard Info Tech ETF 0.86% 5,699 $3.1M Add +0.2%
VBR Vngrd Mrngst SL-CP Val ETF-U 0.85% 16,453 $3.1M Reduce -1.2%
K Kellanova 0.77% 33,762 $2.8M Add +3.9%
MSFT Microsoft Corp. 0.66% 6,376 $2.4M Add +0.0%
VDC Vanguard Consumer Staple ETF 0.51% 8,377 $1.8M Add +0.4%
PG The Procter & Gamble Co. 0.48% 10,128 $1.7M Add +0.0%
CAT Caterpillar Inc. 0.46% 5,002 $1.6M No change
BRK.B Berkshire Hathaway Inc. Class B 0.45% 3,021 $1.6M Add +9.2%
MCD McDonald's Corp. 0.43% 4,968 $1.6M Reduce -2.8%
VOE Vngrd Mrngstr MD-Cap Val ETF 0.43% 9,608 $1.5M Add +0.5%
QQQ Invesco QQQ Trust Series 1 0.43% 3,276 $1.5M No change
CVX Chevron Corp. 0.41% 8,848 $1.5M Add +0.0%
VTV Vanguard Mrngstr Val ETF-Aui 0.40% 8,301 $1.4M Add +0.6%
QCOM Qualcomm Inc. 0.39% 9,207 $1.4M No change
EFA iShares MSCI Eafe ETF 0.36% 15,852 $1.3M Reduce -0.1%
VZ Verizon Communications Inc. 0.36% 28,340 $1.3M Add +0.0%
DVY iShares Select Dividend ETF 0.34% 9,025 $1.2M Reduce -0.5%
VIG Vanguard Dividend Apprec ETF 0.33% 6,183 $1.2M Reduce -0.5%
MRK Merck & Co. Inc. 0.31% 12,385 $1.1M Add +0.0%
V Visa Inc. Class A 0.31% 3,154 $1.1M Add +21.1%
PFE Pfizer Inc. 0.30% 43,065 $1.1M Reduce -4.4%
AEP American Electric Power 0.28% 9,124 $997K No change
VTEB Vanguard Tax-Exempt Bond ETF 0.27% 19,669 $976K Add +0.2%
META Meta Platforms Inc. Class A 0.25% 1,543 $889K Add +11.5%
PEP Pepsico Inc. 0.25% 5,924 $888K Reduce -0.5%
QUAL iShares MSCI USA Quality Fac 0.25% 5,188 $887K Reduce -0.5%
SPLV Invesco S&P 500 Low Volatili 0.24% 11,584 $866K Add +0.3%
MO Altria Group Inc. 0.24% 14,222 $854K Add +0.0%
UPS United Parcel Service Class B 0.23% 7,538 $829K Add +0.1%
JPM JPMorgan Chase & Co. 0.22% 3,209 $787K No change
VAW Vanguard Materials ETF 0.22% 4,168 $787K Add +0.1%
KO The Coca-Cola Co. 0.22% 10,979 $786K No change
PM Philip Morris International 0.20% 4,523 $718K No change
SCHF Schwab Intl Equity ETF 0.19% 34,559 $684K No change
KMB Kimberly-Clark Corp. 0.19% 4,787 $681K No change
XLI SS Industrial Select Sector 0.19% 5,156 $676K No change
RTX RTX Corp. 0.19% 5,051 $669K Add +0.0%
PFG Principal Financial Group 0.18% 7,815 $659K No change
CSCO Cisco Systems Inc. 0.18% 10,607 $655K No change
BMY Bristol-Myers Squibb Co. 0.17% 9,950 $607K No change
GLD SPDR Gold Shares 0.17% 2,083 $600K No change
SLQD iShares 0-5 YR Inv GRD Corp. 0.16% 11,719 $589K Reduce -1.4%
DUK Duke Energy Corp. 0.16% 4,810 $587K No change
LMT Lockheed Martin Corp. 0.16% 1,262 $564K No change
USB US Bancorp 0.16% 13,364 $564K Add +0.0%
SPY SS SPDR S&P 500 ETF Trust-US 0.15% 1,000 $559K Reduce -2.4%
CLX Clorox Company 0.15% 3,725 $549K No change
EFAV iShares MSCI Eafe Min Vol Fa 0.14% 6,435 $501K Reduce -3.1%
AMGN Amgen Inc. 0.14% 1,568 $489K No change
IJJ iShares S&P Mid-Cap 400 Valu 0.13% 4,000 $479K No change
TD Toronto-Dominion Bank 0.13% 7,771 $466K No change
NFG National Fuel Gas Co. 0.12% 5,678 $450K No change
AMZN Amazon.com Inc. 0.11% 2,171 $413K Add +48.7%
GOOGL Alphabet Inc. Class A 0.11% 2,566 $397K Add +0.1%
EFG iShares MSCI Eafe Growth ETF 0.11% 3,797 $380K Reduce -1.8%
IQLT iShares MSCI International Q 0.10% 9,338 $371K Reduce -8.5%
IWP iShares Russell Mid-Cap Grow 0.10% 3,114 $366K Reduce -1.7%
GILD Gilead Sciences Inc. 0.10% 3,160 $354K No change
VTI VG Morningstar TS MKT ETF-US 0.09% 1,156 $318K Add +0.8%
GIS General Mills Inc. 0.09% 5,201 $311K No change
NULV Nuveen ESG Large-Cap Val ETF 0.08% 7,244 $293K Add +3.2%
DOW Dow Inc. 0.08% 8,270 $289K No change
BX Blackstone Inc. 0.08% 2,049 $286K Add +0.1%
AMAT Applied Materials Inc. 0.08% 1,965 $285K No change
TTE Totalenergies SE -Spon ADR 0.08% 4,224 $273K No change
GD General Dynamics Corp. 0.07% 963 $262K No change
MOAT Vaneck Morningstar Wide Moat 0.07% 2,918 $257K No change
ET Energy Transfer LP 0.07% 13,150 $244K Add +0.1%
EPD Enterprise Products Partners 0.07% 7,034 $240K No change
NULG Nuveen ESG LRG-Cap GRW ETF 0.06% 2,990 $234K Add +1.8%
JNJ Johnson & Johnson 0.06% 1,354 $225K New
IBM Intl Business Machines Corp. filed as INTERNATIONAL BUSINESS MACHS 0.06% 902 $224K New
PSX Phillips 66 0.06% 1,815 $224K No change
BSV Vanguard Short-Term Bond ETF 0.06% 2,838 $222K Add +0.6%
MCI Barings Corporate Investors 0.06% 9,221 $216K New
SPDW Ste STR SPDR PT DW Eu ETF 0.06% 5,865 $214K No change
SCHG Schwab US Large-Cap Growth 0.06% 8,553 $214K Reduce -15.4%
MDLZ Mondelez International Inc. Class A 0.06% 2,962 $201K New
NUV Nuveen Municipal Value 0.03% 11,823 $104K New

Portfolio Sells Q4 2024 → Q1 2025
VUG Vanguard Mrngstar GR ETF-Sui Reduce -0.6% 9.72% −1.13
VBK Van Morst SML-Cap Gro-Usd Inc. Reduce -1.4% 1.41% −0.18
VOT Vngrd Mrngstr MC GRW ETF-Usd Reduce -0.6% 2.76% −0.12
RPG Invesco S&P 500 Pure Growth Reduce -0.7% 1.17% −0.10
AVGO Broadcom Inc. Sold out 0.00% −0.07
VBR Vngrd Mrngst SL-CP Val ETF-U Reduce -1.2% 0.85% −0.07
WMT Walmart Inc. Sold out 0.00% −0.06
PFE Pfizer Inc. Reduce -4.4% 0.30% −0.03
SCHG Schwab US Large-Cap Growth Reduce -15.4% 0.06% −0.02
SPY SS SPDR S&P 500 ETF Trust-US Reduce -2.4% 0.15% −0.01
QUAL iShares MSCI USA Quality Fac Reduce -0.5% 0.25% −0.01
IWP iShares Russell Mid-Cap Grow Reduce -1.7% 0.10% −0.01
VIG Vanguard Dividend Apprec ETF Reduce -0.5% 0.33% −0.01
PEP Pepsico Inc. Reduce -0.5% 0.25% −0.01
IQLT iShares MSCI International Q Reduce -8.5% 0.10% −0.00
SLQD iShares 0-5 YR Inv GRD Corp. Reduce -1.4% 0.16% −0.00
EFG iShares MSCI Eafe Growth ETF Reduce -1.8% 0.11% +0.00
DVY iShares Select Dividend ETF Reduce -0.5% 0.34% +0.01
SPEM State Street SP PTF Em ETF Reduce -1.8% 1.22% +0.01
EFAV iShares MSCI Eafe Min Vol Fa Reduce -3.1% 0.14% +0.01
MCD McDonald's Corp. Reduce -2.8% 0.43% +0.02
EFA iShares MSCI Eafe ETF Reduce -0.1% 0.36% +0.03
HDV iShares Core High Dividend E Reduce -1.5% 1.09% +0.06

Portfolio Buys Q4 2024 → Q1 2025
VEA Vanguard Ftse Developed ETF Add +1.6% 9.72% +0.70
VCSH Vanguard S/T Corp. Bond ETF Add +3.8% 6.36% +0.30
VGSH Vanguard Short-Term Treasury Add +4.8% 5.69% +0.30
SDY SS SPDR S&P Dividend ETF Add +0.7% 8.77% +0.28
DGRO iShares Core Dividend Growth Add +0.6% 8.76% +0.10
BRK.B Berkshire Hathaway Inc. Class B Add +9.2% 0.45% +0.10
VYM Vanguard High DVD Yield ETF Add +0.4% 7.37% +0.09
V Visa Inc. Class A Add +21.1% 0.31% +0.08
JNJ Johnson & Johnson New 0.06% +0.06
IBM Intl Business Machines Corp. New 0.06% +0.06
MCI Barings Corporate Investors New 0.06% +0.06
MDLZ Mondelez International Inc. Class A New 0.06% +0.06
CVX Chevron Corp. Add +0.0% 0.41% +0.05
VZ Verizon Communications Inc. Add +0.0% 0.36% +0.04
K Kellanova Add +3.9% 0.77% +0.04
SYK Stryker Corp. Add +0.6% 0.93% +0.03
MO Altria Group Inc. Add +0.0% 0.24% +0.03
NUV Nuveen Municipal Value New 0.03% +0.03
AMZN Amazon.com Inc. Add +48.7% 0.11% +0.03
RTX RTX Corp. Add +0.0% 0.19% +0.02
META Meta Platforms Inc. Class A Add +11.5% 0.25% +0.02
VDC Vanguard Consumer Staple ETF Add +0.4% 0.51% +0.02
SPLV Invesco S&P 500 Low Volatili Add +0.3% 0.24% +0.02
VTV Vanguard Mrngstr Val ETF-Aui Add +0.6% 0.40% +0.01
PG The Procter & Gamble Co. Add +0.0% 0.48% +0.01
NULV Nuveen ESG Large-Cap Val ETF Add +3.2% 0.08% +0.00
BSV Vanguard Short-Term Bond ETF Add +0.6% 0.06% +0.00
VAW Vanguard Materials ETF Add +0.1% 0.22% +0.00
VOE Vngrd Mrngstr MD-Cap Val ETF Add +0.5% 0.43% −0.00
VTEB Vanguard Tax-Exempt Bond ETF Add +0.2% 0.27% −0.00
ET Energy Transfer LP Add +0.1% 0.07% −0.00
VTI VG Morningstar TS MKT ETF-US Add +0.8% 0.09% −0.00
NULG Nuveen ESG LRG-Cap GRW ETF Add +1.8% 0.06% −0.01
BX Blackstone Inc. Add +0.1% 0.08% −0.02
USB US Bancorp Add +0.0% 0.16% −0.02
GOOGL Alphabet Inc. Class A Add +0.1% 0.11% −0.02
MRK Merck & Co. Inc. Add +0.0% 0.31% −0.03
UPS United Parcel Service Class B Add +0.1% 0.23% −0.03
MSFT Microsoft Corp. Add +0.0% 0.66% −0.08
VGT Vanguard Info Tech ETF Add +0.2% 0.86% −0.13
VO Vngrd Mrngstr MD-Cap ETF-Usd Add +0.2% 6.05% −0.13
AAPL Apple Inc. Add +0.0% 1.20% −0.16
VB Vanguard Most SM-Cap ETF-Usd Add +0.8% 6.84% −0.52

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