Wolff Financial Management LLC

Name: Wolff Financial Management LLC 13F holdings, Q2 2025
Creator: Wolff Financial Management LLC
Published: 2025-07-09

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

In its 13F for Q2 2025 (holdings as of June 30, 2025, filed July 9, 2025), Wolff Financial Management LLC reported 98 stock positions worth $387.1 million. Its top holding was Vanguard Mrngstar GR ETF-Sui (VUG) at 10.7% of the portfolio, followed by Vanguard Ftse Developed ETF (VEA, 10.2%) and iShares Core Dividend Growth (DGRO, 8.6%). Compared with Q1 2025, it opened 5 new positions, sold out of 4, added to 54 and reduced 15. The biggest buy was Vanguard Mrngstar GR ETF-Sui (VUG, shares +0%) and the biggest sale Eli Lilly (LLY, shares −5%).

Most Recent 13F: Q2 2026
Location: KALAMAZOO, MI
CIK: 0001767940
Portfolio Value: $387.1M (Q2 2025)
SEC Filing: 0001767940-25-000004 ↗ filed Jul 9, 2025

Holdings Value

Holdings 98 stocks · $387.1M


VUG Vanguard Mrngstar GR ETF-Sui	10.72%	94,705	$41.5M	Add +0.1%
VEA Vanguard Ftse Developed ETF	10.25%	696,012	$39.7M	Add +0.8%
DGRO iShares Core Dividend Growth	8.62%	522,050	$33.4M	Add +2.0%
SDY SS SPDR S&P Dividend ETF	8.35%	238,116	$32.3M	Add +2.0%
VYM Vanguard High DVD Yield ETF	7.26%	210,861	$28.1M	Add +2.1%
VB Vanguard Most SM-Cap ETF-Usd	6.95%	113,611	$26.9M	Add +2.0%
VO Vngrd Mrngstr MD-Cap ETF-Usd	6.20%	85,809	$24.0M	Add +1.6%
VCSH Vanguard S/T Corp. Bond ETF	6.13%	298,397	$23.7M	Add +2.6%
VGSH Vanguard Short-Term Treasury	5.49%	361,736	$21.3M	Add +3.4%
VOT Vngrd Mrngstr MC GRW ETF-Usd	3.02%	41,168	$11.7M	Add +1.0%
LLY Eli Lilly & Co.	1.69%	8,403	$6.5M	Reduce -4.6%
VBK Van Morst SML-Cap Gro-Usd Inc.	1.45%	20,256	$5.6M	No change
RPG Invesco S&P 500 Pure Growth	1.29%	109,122	$5.0M	Reduce -1.3%
SPEM State Street SP PTF Em ETF	1.27%	115,010	$4.9M	Add +3.0%
MZTI The Marzetti Company filed as LANCASTER COLONY CORP	1.06%	23,799	$4.1M	No change
AAPL Apple Inc.	1.05%	19,732	$4.0M	Add +1.1%
SYK Stryker Corp.	1.03%	10,120	$4.0M	Add +12.4%
VGT Vanguard Info Tech ETF	0.98%	5,705	$3.8M	Add +0.1%
HDV iShares Core High Dividend E	0.97%	32,187	$3.8M	Reduce -1.3%
MSFT Microsoft Corp.	0.83%	6,480	$3.2M	Add +1.6%
VBR Vngrd Mrngst SL-CP Val ETF-U	0.83%	16,453	$3.2M	No change
K Kellanova	0.65%	31,441	$2.5M	Reduce -6.9%
CAT Caterpillar Inc.	0.50%	5,002	$1.9M	No change
VDC Vanguard Consumer Staple ETF	0.48%	8,410	$1.8M	Add +0.4%
QQQ Invesco QQQ Trust Series 1	0.47%	3,277	$1.8M	Add +0.0%
PG The Procter & Gamble Co.	0.42%	10,138	$1.6M	Add +0.1%
VOE Vngrd Mrngstr MD-Cap Val ETF	0.41%	9,577	$1.6M	Reduce -0.3%
BRK.B Berkshire Hathaway Inc. Class B	0.40%	3,216	$1.6M	Add +6.5%
QCOM Qualcomm Inc.	0.38%	9,209	$1.5M	Add +0.0%
MCD McDonald's Corp.	0.38%	4,968	$1.5M	No change
VTV Vanguard Mrngstr Val ETF-Aui	0.37%	8,128	$1.4M	Reduce -2.1%
EFA iShares MSCI Eafe ETF	0.37%	15,971	$1.4M	Add +0.8%
VIG Vanguard Dividend Apprec ETF	0.33%	6,183	$1.3M	No change
DVY iShares Select Dividend ETF	0.31%	8,948	$1.2M	Reduce -0.8%
VZ Verizon Communications Inc.	0.30%	26,655	$1.2M	Reduce -6.0%
CVX Chevron Corp.	0.29%	7,895	$1.1M	Reduce -10.8%
V Visa Inc. Class A	0.29%	3,154	$1.1M	No change
PFE Pfizer Inc.	0.27%	43,216	$1.0M	Add +0.3%
META Meta Platforms Inc. Class A	0.27%	1,394	$1.0M	Reduce -9.7%
VTEB Vanguard Tax-Exempt Bond ETF	0.25%	19,762	$969K	Add +0.5%
QUAL iShares MSCI USA Quality Fac	0.25%	5,193	$949K	Add +0.1%
JPM JPMorgan Chase & Co.	0.24%	3,212	$931K	Add +0.1%
MRK Merck & Co. Inc.	0.23%	11,097	$878K	Reduce -10.4%
SPLV Invesco S&P 500 Low Volatili	0.22%	11,628	$847K	Add +0.4%
MO Altria Group Inc.	0.22%	14,325	$840K	Add +0.7%
AEP American Electric Power	0.21%	7,956	$826K	Reduce -12.8%
PM Philip Morris International	0.21%	4,523	$824K	No change
VAW Vanguard Materials ETF	0.21%	4,170	$813K	Add +0.1%
PEP Pepsico Inc.	0.20%	5,929	$783K	Add +0.1%
KO The Coca-Cola Co.	0.20%	11,041	$781K	Add +0.6%
SCHF Schwab Intl Equity ETF	0.20%	34,784	$769K	Add +0.7%
UPS United Parcel Service Class B	0.20%	7,554	$763K	Add +0.2%
XLI SS Industrial Select Sector	0.20%	5,159	$761K	Add +0.1%
CSCO Cisco Systems Inc.	0.19%	10,731	$745K	Add +1.2%
RTX RTX Corp.	0.19%	5,053	$738K	Add +0.0%
GLD SPDR Gold Shares	0.17%	2,133	$650K	Add +2.4%
PFG Principal Financial Group	0.16%	7,815	$621K	No change
SPY SS SPDR S&P 500 ETF Trust-US	0.16%	1,000	$618K	No change
KMB Kimberly-Clark Corp.	0.16%	4,787	$617K	No change
USB US Bancorp	0.16%	13,397	$606K	Add +0.3%
SLQD iShares 0-5 YR Inv GRD Corp.	0.15%	11,824	$598K	Add +0.9%
TD Toronto-Dominion Bank	0.15%	7,771	$571K	No change
DUK Duke Energy Corp.	0.15%	4,825	$569K	Add +0.3%
EFAV iShares MSCI Eafe Min Vol Fa	0.14%	6,552	$551K	Add +1.8%
TFC Truist Financial Corp.	0.14%	12,586	$541K	New
IJJ iShares S&P Mid-Cap 400 Valu	0.13%	4,000	$494K	No change
AMZN Amazon.com Inc.	0.12%	2,199	$482K	Add +1.3%
NFG National Fuel Gas Co.	0.12%	5,678	$481K	No change
BMY Bristol-Myers Squibb Co.	0.12%	10,055	$465K	Add +1.1%
GOOGL Alphabet Inc. Class A	0.12%	2,632	$464K	Add +2.6%
LMT Lockheed Martin Corp.	0.12%	986	$457K	Reduce -21.9%
CLX Clorox Company	0.12%	3,725	$447K	No change
IWP iShares Russell Mid-Cap Grow	0.11%	3,117	$432K	Add +0.1%
EFG iShares MSCI Eafe Growth ETF	0.11%	3,816	$427K	Add +0.5%
IQLT iShares MSCI International Q	0.10%	9,229	$399K	Reduce -1.2%
VTI VG Morningstar TS MKT ETF-US	0.09%	1,198	$364K	Add +3.6%
AMAT Applied Materials Inc.	0.09%	1,965	$360K	No change
GILD Gilead Sciences Inc.	0.09%	3,160	$350K	No change
AMGN Amgen Inc.	0.08%	1,162	$324K	Reduce -25.9%
BX Blackstone Inc.	0.08%	2,051	$307K	Add +0.1%
NULV Nuveen ESG Large-Cap Val ETF	0.08%	7,244	$304K	No change
AVGO Broadcom Inc.	0.08%	1,060	$292K	New
GD General Dynamics Corp.	0.07%	966	$282K	Add +0.3%
NULG Nuveen ESG LRG-Cap GRW ETF	0.07%	2,990	$281K	No change
MOAT Vaneck Morningstar Wide Moat	0.07%	2,918	$274K	No change
IBM Intl Business Machines Corp. filed as INTERNATIONAL BUSINESS MACHS	0.07%	902	$266K	No change
TTE Totalenergies SE -Spon ADR	0.07%	4,234	$260K	Add +0.2%
SCHG Schwab US Large-Cap Growth	0.06%	8,553	$250K	No change
SPDW Ste STR SPDR PT DW Eu ETF	0.06%	5,963	$241K	Add +1.7%
ET Energy Transfer LP	0.06%	13,171	$239K	Add +0.2%
BSV Vanguard Short-Term Bond ETF	0.06%	2,892	$228K	Add +1.9%
JNJ Johnson & Johnson	0.06%	1,465	$224K	Add +8.2%
EPD Enterprise Products Partners	0.06%	7,034	$218K	No change
PSX Phillips 66	0.06%	1,815	$217K	No change
WMT Walmart Inc.	0.06%	2,223	$217K	New
WDC Western Digital Corp.	0.05%	3,229	$207K	New
NVDA Nvidia Corp.	0.05%	1,273	$201K	New
NUV Nuveen Municipal Value	0.03%	11,956	$104K	Add +1.1%

Portfolio Sells Q1 2025 → Q2 2025


LLY Eli Lilly & Co.	Reduce -4.6%	1.69%	−0.32
K Kellanova	Reduce -6.9%	0.65%	−0.13
HDV iShares Core High Dividend E	Reduce -1.3%	0.97%	−0.12
CVX Chevron Corp.	Reduce -10.8%	0.29%	−0.12
GIS General Mills Inc.	Sold out	0.00%	−0.09
MRK Merck & Co. Inc.	Reduce -10.4%	0.23%	−0.08
DOW Dow Inc.	Sold out	0.00%	−0.08
AEP American Electric Power	Reduce -12.8%	0.21%	−0.06
MCI Barings Corporate Investors	Sold out	0.00%	−0.06
VZ Verizon Communications Inc.	Reduce -6.0%	0.30%	−0.06
MDLZ Mondelez International Inc. Class A	Sold out	0.00%	−0.06
AMGN Amgen Inc.	Reduce -25.9%	0.08%	−0.05
LMT Lockheed Martin Corp.	Reduce -21.9%	0.12%	−0.04
DVY iShares Select Dividend ETF	Reduce -0.8%	0.31%	−0.03
VTV Vanguard Mrngstr Val ETF-Aui	Reduce -2.1%	0.37%	−0.03
VOE Vngrd Mrngstr MD-Cap Val ETF	Reduce -0.3%	0.41%	−0.02
IQLT iShares MSCI International Q	Reduce -1.2%	0.10%	+0.00
META Meta Platforms Inc. Class A	Reduce -9.7%	0.27%	+0.02
RPG Invesco S&P 500 Pure Growth	Reduce -1.3%	1.29%	+0.12

Portfolio Buys Q1 2025 → Q2 2025


VUG Vanguard Mrngstar GR ETF-Sui	Add +0.1%	10.72%	+1.00
VEA Vanguard Ftse Developed ETF	Add +0.8%	10.25%	+0.53
VOT Vngrd Mrngstr MC GRW ETF-Usd	Add +1.0%	3.02%	+0.26
MSFT Microsoft Corp.	Add +1.6%	0.83%	+0.17
VO Vngrd Mrngstr MD-Cap ETF-Usd	Add +1.6%	6.20%	+0.15
TFC Truist Financial Corp.	New	0.14%	+0.14
VGT Vanguard Info Tech ETF	Add +0.1%	0.98%	+0.12
VB Vanguard Most SM-Cap ETF-Usd	Add +2.0%	6.95%	+0.11
SYK Stryker Corp.	Add +12.4%	1.03%	+0.11
AVGO Broadcom Inc.	New	0.08%	+0.08
WMT Walmart Inc.	New	0.06%	+0.06
WDC Western Digital Corp.	New	0.05%	+0.05
SPEM State Street SP PTF Em ETF	Add +3.0%	1.27%	+0.05
NVDA Nvidia Corp.	New	0.05%	+0.05
QQQ Invesco QQQ Trust Series 1	Add +0.0%	0.47%	+0.04
JPM JPMorgan Chase & Co.	Add +0.1%	0.24%	+0.02
CSCO Cisco Systems Inc.	Add +1.2%	0.19%	+0.01
IWP iShares Russell Mid-Cap Grow	Add +0.1%	0.11%	+0.01
AMZN Amazon.com Inc.	Add +1.3%	0.12%	+0.01
GOOGL Alphabet Inc. Class A	Add +2.6%	0.12%	+0.01
EFA iShares MSCI Eafe ETF	Add +0.8%	0.37%	+0.01
XLI SS Industrial Select Sector	Add +0.1%	0.20%	+0.01
SCHF Schwab Intl Equity ETF	Add +0.7%	0.20%	+0.01
VTI VG Morningstar TS MKT ETF-US	Add +3.6%	0.09%	+0.01
RTX RTX Corp.	Add +0.0%	0.19%	+0.01
EFG iShares MSCI Eafe Growth ETF	Add +0.5%	0.11%	+0.01
EFAV iShares MSCI Eafe Min Vol Fa	Add +1.8%	0.14%	+0.00
SPDW Ste STR SPDR PT DW Eu ETF	Add +1.7%	0.06%	+0.00
GLD SPDR Gold Shares	Add +2.4%	0.17%	+0.00
GD General Dynamics Corp.	Add +0.3%	0.07%	+0.00
USB US Bancorp	Add +0.3%	0.16%	+0.00
BX Blackstone Inc.	Add +0.1%	0.08%	+0.00
QUAL iShares MSCI USA Quality Fac	Add +0.1%	0.25%	−0.00
NUV Nuveen Municipal Value	Add +1.1%	0.03%	−0.00
BSV Vanguard Short-Term Bond ETF	Add +1.9%	0.06%	−0.00
JNJ Johnson & Johnson	Add +8.2%	0.06%	−0.00
ET Energy Transfer LP	Add +0.2%	0.06%	−0.01
VAW Vanguard Materials ETF	Add +0.1%	0.21%	−0.01
TTE Totalenergies SE -Spon ADR	Add +0.2%	0.07%	−0.01
SLQD iShares 0-5 YR Inv GRD Corp.	Add +0.9%	0.15%	−0.01
QCOM Qualcomm Inc.	Add +0.0%	0.38%	−0.01
DUK Duke Energy Corp.	Add +0.3%	0.15%	−0.02
KO The Coca-Cola Co.	Add +0.6%	0.20%	−0.02
MO Altria Group Inc.	Add +0.7%	0.22%	−0.02
VTEB Vanguard Tax-Exempt Bond ETF	Add +0.5%	0.25%	−0.02
SPLV Invesco S&P 500 Low Volatili	Add +0.4%	0.22%	−0.02
PFE Pfizer Inc.	Add +0.3%	0.27%	−0.03
VDC Vanguard Consumer Staple ETF	Add +0.4%	0.48%	−0.03
UPS United Parcel Service Class B	Add +0.2%	0.20%	−0.03
BRK.B Berkshire Hathaway Inc. Class B	Add +6.5%	0.40%	−0.04

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