Wolff Financial Management LLC

In its 13F for Q3 2025 (holdings as of September 30, 2025, filed October 20, 2025), Wolff Financial Management LLC reported 101 stock positions worth $430.8 million. Its top holding was Vanguard Mrngstar GR ETF-Sui (VUG) at 10.1% of the portfolio, followed by Vanguard Ftse Developed ETF (VEA, 9.6%) and iShares Core Dividend Growth (DGRO, 8.5%). Compared with Q2 2025, it opened 4 new positions, sold out of 1, added to 27 and reduced 43. The biggest buy was a new position in Vanguard Core Bond ETF (VCRB) and the biggest sale Vanguard Ftse Developed ETF (VEA, shares −0%).

Most Recent 13F
Q2 2026
Location
KALAMAZOO, MI
CIK
0001767940
Portfolio Value
$430.8M (Q3 2025)
SEC Filing
0001767940-25-000006 ↗ filed Oct 20, 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 Q1 2025 Q2 2025: $387.1M Q2 2025 Q3 2025: $430.8M $430.8M Q3 2025 Q4 2025: $444.6M Q4 2025 Q1 2026: $452.5M Q1 2026 Q2 2026: $501.5M Q2 2026

Holdings 101 stocks · $430.8M
VUG Vanguard Mrngstar GR ETF-Sui 10.14% 91,034 $43.7M Reduce -3.9%
VEA Vanguard Ftse Developed ETF 9.64% 693,193 $41.5M Reduce -0.4%
DGRO iShares Core Dividend Growth 8.49% 537,352 $36.6M Add +2.9%
SDY SS SPDR S&P Dividend ETF 8.04% 247,239 $34.6M Add +3.8%
VYM Vanguard High DVD Yield ETF 7.10% 216,889 $30.6M Add +2.9%
VB Vanguard Most SM-Cap ETF-Usd 6.95% 117,701 $29.9M Add +3.6%
VCSH Vanguard S/T Corp. Bond ETF 6.82% 367,407 $29.4M Add +23.1%
VGSH Vanguard Short-Term Treasury 5.99% 438,551 $25.8M Add +21.2%
VO Vngrd Mrngstr MD-Cap ETF-Usd 5.93% 86,943 $25.5M Add +1.3%
VCRB Vanguard Core Bond ETF 2.89% 158,959 $12.5M New
VOT Vngrd Mrngstr MC GRW ETF-Usd 2.75% 40,377 $11.9M Reduce -1.9%
LLY Eli Lilly & Co. 1.45% 8,196 $6.3M Reduce -2.5%
VBK Van Morst SML-Cap Gro-Usd Inc. 1.40% 20,194 $6.0M Reduce -0.3%
SPEM State Street SP PTF Em ETF 1.27% 117,120 $5.5M Add +1.8%
RPG Invesco S&P 500 Pure Growth 1.20% 108,589 $5.2M Reduce -0.5%
AAPL Apple Inc. 1.04% 17,570 $4.5M Reduce -11.0%
VGT Vanguard Info Tech ETF 0.99% 5,697 $4.3M Reduce -0.1%
MZTI The Marzetti Company 0.95% 23,799 $4.1M No change
HDV iShares Core High Dividend E 0.91% 32,063 $3.9M Reduce -0.4%
VBR Vngrd Mrngst SL-CP Val ETF-U 0.80% 16,520 $3.4M Add +0.4%
SYK Stryker Corp. 0.78% 9,141 $3.4M Reduce -9.7%
MSFT Microsoft Corp. 0.78% 6,491 $3.4M Add +0.2%
K Kellanova 0.56% 29,157 $2.4M Reduce -7.3%
CAT Caterpillar Inc. 0.55% 5,002 $2.4M No change
QQQ Invesco QQQ Trust Series 1 0.46% 3,277 $2.0M No change
BRK.B Berkshire Hathaway Inc. Class B 0.38% 3,216 $1.6M No change
VOE Vngrd Mrngstr MD-Cap Val ETF 0.37% 9,085 $1.6M Reduce -5.1%
VDC Vanguard Consumer Staple ETF 0.36% 7,321 $1.6M Reduce -12.9%
PG The Procter & Gamble Co. 0.36% 10,135 $1.6M Reduce -0.0%
QCOM Qualcomm Inc. 0.36% 9,207 $1.5M Reduce -0.0%
VTV Vanguard Mrngstr Val ETF-Aui 0.35% 8,169 $1.5M Add +0.5%
MCD McDonald's Corp. 0.35% 4,951 $1.5M Reduce -0.3%
EFA iShares MSCI Eafe ETF 0.33% 15,343 $1.4M Reduce -3.9%
VIG Vanguard Dividend Apprec ETF 0.31% 6,183 $1.3M No change
DVY iShares Select Dividend ETF 0.30% 8,956 $1.3M Add +0.1%
CVX Chevron Corp. 0.28% 7,893 $1.2M Reduce -0.0%
PFE Pfizer Inc. 0.26% 43,296 $1.1M Add +0.2%
V Visa Inc. Class A 0.25% 3,155 $1.1M Add +0.0%
META Meta Platforms Inc. Class A 0.25% 1,446 $1.1M Add +3.7%
VZ Verizon Communications Inc. 0.24% 23,414 $1.0M Reduce -12.2%
JPM JPMorgan Chase & Co. 0.23% 3,209 $1.0M Reduce -0.1%
QUAL iShares MSCI USA Quality Fac 0.23% 5,166 $1.0M Reduce -0.5%
VTEB Vanguard Tax-Exempt Bond ETF 0.23% 19,856 $994K Add +0.5%
MO Altria Group Inc. 0.22% 14,551 $961K Add +1.6%
MRK Merck & Co. Inc. 0.22% 11,083 $930K Reduce -0.1%
AEP American Electric Power 0.21% 7,944 $894K Reduce -0.1%
SPLV Invesco S&P 500 Low Volatili 0.20% 11,674 $858K Add +0.4%
VAW Vanguard Materials ETF 0.20% 4,149 $850K Reduce -0.5%
RTX RTX Corp. 0.19% 4,987 $834K Reduce -1.3%
PEP Pepsico Inc. 0.19% 5,928 $833K Reduce -0.0%
SCHF Schwab Intl Equity ETF 0.19% 34,784 $810K No change
XLI SS Industrial Select Sector 0.18% 5,156 $795K Reduce -0.1%
GLD SPDR Gold Shares 0.18% 2,133 $758K No change
PM Philip Morris International 0.17% 4,523 $734K No change
CSCO Cisco Systems Inc. 0.17% 10,707 $733K Reduce -0.2%
KO The Coca-Cola Co. 0.17% 11,045 $733K Add +0.0%
SPY SS SPDR S&P 500 ETF Trust-US 0.15% 1,000 $666K No change
PFG Principal Financial Group 0.15% 7,815 $648K No change
USB US Bancorp 0.15% 13,375 $646K Reduce -0.2%
GOOGL Alphabet Inc. Class A 0.15% 2,634 $640K Add +0.1%
UPS United Parcel Service Class B 0.15% 7,556 $631K Add +0.0%
TD Toronto-Dominion Bank 0.14% 7,771 $621K No change
SLQD iShares 0-5 YR Inv GRD Corp. 0.14% 11,933 $607K Add +0.9%
DUK Duke Energy Corp. 0.14% 4,810 $595K Reduce -0.3%
KMB Kimberly-Clark Corp. 0.14% 4,787 $595K No change
TFC Truist Financial Corp. 0.13% 12,560 $574K Reduce -0.2%
EFAV iShares MSCI Eafe Min Vol Fa 0.13% 6,547 $555K Reduce -0.1%
NFG National Fuel Gas Co. 0.12% 5,678 $524K No change
IJJ iShares S&P Mid-Cap 400 Valu 0.12% 4,000 $519K No change
LMT Lockheed Martin Corp. 0.11% 983 $491K Reduce -0.3%
AMZN Amazon.com Inc. 0.11% 2,199 $483K No change
CLX Clorox Company 0.11% 3,725 $459K No change
BMY Bristol-Myers Squibb Co. 0.11% 10,050 $453K Reduce -0.1%
IWP iShares Russell Mid-Cap Grow 0.10% 3,141 $447K Add +0.8%
EFG iShares MSCI Eafe Growth ETF 0.10% 3,735 $425K Reduce -2.1%
IQLT iShares MSCI International Q 0.09% 9,228 $408K Reduce -0.0%
AMAT Applied Materials Inc. 0.09% 1,965 $402K No change
VTI VG Morningstar TS MKT ETF-US 0.09% 1,218 $400K Add +1.7%
WDC Western Digital Corp. 0.09% 3,229 $388K No change
GILD Gilead Sciences Inc. 0.08% 3,160 $351K No change
BX Blackstone Inc. 0.08% 2,053 $351K Add +0.1%
AVGO Broadcom Inc. 0.08% 1,062 $350K Add +0.2%
GD General Dynamics Corp. 0.08% 963 $328K Reduce -0.3%
AMGN Amgen Inc. 0.08% 1,162 $328K No change
NULV Nuveen ESG Large-Cap Val ETF 0.07% 7,244 $317K No change
NULG Nuveen ESG LRG-Cap GRW ETF 0.07% 2,990 $297K No change
JNJ Johnson & Johnson 0.06% 1,454 $270K Reduce -0.8%
SCHG Schwab US Large-Cap Growth 0.06% 8,385 $268K Reduce -2.0%
SPDW Ste STR SPDR PT DW Eu ETF 0.06% 5,963 $255K No change
IBM Intl Business Machines Corp. filed as INTERNATIONAL BUSINESS MACHS 0.06% 902 $255K No change
TTE Totalenergies SE -Spon ADR 0.06% 4,224 $252K Reduce -0.2%
PSX Phillips 66 0.06% 1,815 $247K No change
NVDA Nvidia Corp. 0.06% 1,273 $238K No change
BSV Vanguard Short-Term Bond ETF 0.05% 2,875 $227K Reduce -0.6%
WMT Walmart Inc. 0.05% 2,198 $227K Reduce -1.1%
ET Energy Transfer LP 0.05% 13,193 $226K Add +0.2%
TSM Taiwan Semiconductor-SP ADR 0.05% 808 $226K New
EPD Enterprise Products Partners 0.05% 7,034 $220K No change
SIVR Abrdn Physical Silver Shares 0.05% 4,859 $216K New
IVV iShares Core S&P 500 ETF 0.05% 312 $209K New

Show all 101 holdings

Portfolio Sells Q2 2025 → Q3 2025
VEA Vanguard Ftse Developed ETF Reduce -0.4% 9.64% −0.61
VUG Vanguard Mrngstar GR ETF-Sui Reduce -3.9% 10.14% −0.59
VOT Vngrd Mrngstr MC GRW ETF-Usd Reduce -1.9% 2.75% −0.27
SYK Stryker Corp. Reduce -9.7% 0.78% −0.25
LLY Eli Lilly & Co. Reduce -2.5% 1.45% −0.24
VDC Vanguard Consumer Staple ETF Reduce -12.9% 0.36% −0.11
K Kellanova Reduce -7.3% 0.56% −0.09
RPG Invesco S&P 500 Pure Growth Reduce -0.5% 1.20% −0.09
HDV iShares Core High Dividend E Reduce -0.4% 0.91% −0.06
VZ Verizon Communications Inc. Reduce -12.2% 0.24% −0.06
PG The Procter & Gamble Co. Reduce -0.0% 0.36% −0.06
VBK Van Morst SML-Cap Gro-Usd Inc. Reduce -0.3% 1.40% −0.05
VOE Vngrd Mrngstr MD-Cap Val ETF Reduce -5.1% 0.37% −0.04
EFA iShares MSCI Eafe ETF Reduce -3.9% 0.33% −0.04
NUV Nuveen Municipal Value Sold out 0.00% −0.03
MCD McDonald's Corp. Reduce -0.3% 0.35% −0.03
MOAT Vaneck Morningstar Wide Moat Reduce -30.5% 0.05% −0.02
QCOM Qualcomm Inc. Reduce -0.0% 0.36% −0.02
CSCO Cisco Systems Inc. Reduce -0.2% 0.17% −0.02
BMY Bristol-Myers Squibb Co. Reduce -0.1% 0.11% −0.01
EFAV iShares MSCI Eafe Min Vol Fa Reduce -0.1% 0.13% −0.01
VAW Vanguard Materials ETF Reduce -0.5% 0.20% −0.01
XLI SS Industrial Select Sector Reduce -0.1% 0.18% −0.01
QUAL iShares MSCI USA Quality Fac Reduce -0.5% 0.23% −0.01
EFG iShares MSCI Eafe Growth ETF Reduce -2.1% 0.10% −0.01
MRK Merck & Co. Inc. Reduce -0.1% 0.22% −0.01
PEP Pepsico Inc. Reduce -0.0% 0.19% −0.01
DUK Duke Energy Corp. Reduce -0.3% 0.14% −0.01
TTE Totalenergies SE -Spon ADR Reduce -0.2% 0.06% −0.01
IQLT iShares MSCI International Q Reduce -0.0% 0.09% −0.01
CVX Chevron Corp. Reduce -0.0% 0.28% −0.01
AAPL Apple Inc. Reduce -11.0% 1.04% −0.01
USB US Bancorp Reduce -0.2% 0.15% −0.01
TFC Truist Financial Corp. Reduce -0.2% 0.13% −0.01
BSV Vanguard Short-Term Bond ETF Reduce -0.6% 0.05% −0.01
AEP American Electric Power Reduce -0.1% 0.21% −0.01
JPM JPMorgan Chase & Co. Reduce -0.1% 0.23% −0.01
LMT Lockheed Martin Corp. Reduce -0.3% 0.11% −0.00
WMT Walmart Inc. Reduce -1.1% 0.05% −0.00
SCHG Schwab US Large-Cap Growth Reduce -2.0% 0.06% −0.00
RTX RTX Corp. Reduce -1.3% 0.19% +0.00
GD General Dynamics Corp. Reduce -0.3% 0.08% +0.00
JNJ Johnson & Johnson Reduce -0.8% 0.06% +0.00
VGT Vanguard Info Tech ETF Reduce -0.1% 0.99% +0.01

Portfolio Buys Q2 2025 → Q3 2025
VCRB Vanguard Core Bond ETF New 2.89% +2.89
VCSH Vanguard S/T Corp. Bond ETF Add +23.1% 6.82% +0.69
VGSH Vanguard Short-Term Treasury Add +21.2% 5.99% +0.50
TSM Taiwan Semiconductor-SP ADR New 0.05% +0.05
SIVR Abrdn Physical Silver Shares New 0.05% +0.05
IVV iShares Core S&P 500 ETF New 0.05% +0.05
GOOGL Alphabet Inc. Class A Add +0.1% 0.15% +0.03
MO Altria Group Inc. Add +1.6% 0.22% +0.01
AVGO Broadcom Inc. Add +0.2% 0.08% +0.01
SPEM State Street SP PTF Em ETF Add +1.8% 1.27% +0.00
BX Blackstone Inc. Add +0.1% 0.08% +0.00
VTI VG Morningstar TS MKT ETF-US Add +1.7% 0.09% −0.00
VB Vanguard Most SM-Cap ETF-Usd Add +3.6% 6.95% −0.01
IWP iShares Russell Mid-Cap Grow Add +0.8% 0.10% −0.01
ET Energy Transfer LP Add +0.2% 0.05% −0.01
DVY iShares Select Dividend ETF Add +0.1% 0.30% −0.01
SLQD iShares 0-5 YR Inv GRD Corp. Add +0.9% 0.14% −0.01
PFE Pfizer Inc. Add +0.2% 0.26% −0.01
VTV Vanguard Mrngstr Val ETF-Aui Add +0.5% 0.35% −0.02
META Meta Platforms Inc. Class A Add +3.7% 0.25% −0.02
VTEB Vanguard Tax-Exempt Bond ETF Add +0.5% 0.23% −0.02
SPLV Invesco S&P 500 Low Volatili Add +0.4% 0.20% −0.02
VBR Vngrd Mrngst SL-CP Val ETF-U Add +0.4% 0.80% −0.03
KO The Coca-Cola Co. Add +0.0% 0.17% −0.03
V Visa Inc. Class A Add +0.0% 0.25% −0.04
UPS United Parcel Service Class B Add +0.0% 0.15% −0.05
MSFT Microsoft Corp. Add +0.2% 0.78% −0.05
DGRO iShares Core Dividend Growth Add +2.9% 8.49% −0.13
VYM Vanguard High DVD Yield ETF Add +2.9% 7.10% −0.16
VO Vngrd Mrngstr MD-Cap ETF-Usd Add +1.3% 5.93% −0.27
SDY SS SPDR S&P Dividend ETF Add +3.8% 8.04% −0.31

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