Wolff Financial Management LLC

In its 13F for Q4 2025 (holdings as of December 31, 2025, filed February 6, 2026), Wolff Financial Management LLC reported 101 stock positions worth $444.6 million. Its top holding was Vanguard Mrngstar GR ETF-Sui (VUG) at 10.0% of the portfolio, followed by Vanguard Ftse Developed ETF (VEA, 10.0%) and iShares Core Dividend Growth (DGRO, 8.6%). Compared with Q3 2025, it opened 1 new position, sold out of 1, added to 48 and reduced 13. The biggest buy was Vanguard Ftse Developed ETF (VEA, shares +3%) and the biggest sale an exit from Kellanova (K).

Most Recent 13F
Q2 2026
Location
KALAMAZOO, MI
CIK
0001767940
Portfolio Value
$444.6M (Q4 2025)
SEC Filing
0001767940-26-000001 ↗ filed Feb 6, 2026

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 Q3 2025 Q4 2025: $444.6M $444.6M Q4 2025 Q1 2026: $452.5M Q1 2026 Q2 2026: $501.5M Q2 2026

Holdings 101 stocks · $444.6M
VUG Vanguard Mrngstar GR ETF-Sui 10.03% 91,456 $44.6M Add +0.5%
VEA Vanguard Ftse Developed ETF 10.00% 711,722 $44.5M Add +2.7%
DGRO iShares Core Dividend Growth 8.58% 549,843 $38.2M Add +2.3%
SDY SS SPDR S&P Dividend ETF 7.95% 254,175 $35.4M Add +2.8%
VYM Vanguard High DVD Yield ETF 7.11% 220,265 $31.6M Add +1.6%
VB Vanguard Most SM-Cap ETF-Usd 6.99% 120,425 $31.1M Add +2.3%
VCSH Vanguard S/T Corp. Bond ETF 6.91% 385,423 $30.7M Add +4.9%
VGSH Vanguard Short-Term Treasury 6.06% 458,434 $26.9M Add +4.5%
VO Vngrd Mrngstr MD-Cap ETF-Usd 5.81% 88,940 $25.8M Add +2.3%
VCRB Vanguard Core Bond ETF 3.04% 173,665 $13.5M Add +9.3%
VOT Vngrd Mrngstr MC GRW ETF-Usd 2.55% 40,661 $11.4M Add +0.7%
LLY Eli Lilly & Co. 1.98% 8,196 $8.8M No change
VBK Van Morst SML-Cap Gro-Usd Inc. 1.35% 19,832 $6.0M Reduce -1.8%
SPEM State Street SP PTF Em ETF 1.27% 120,839 $5.7M Add +3.2%
RPG Invesco S&P 500 Pure Growth 1.10% 104,549 $4.9M Reduce -3.7%
AAPL Apple Inc. 1.07% 17,571 $4.8M Add +0.0%
VGT Vanguard Info Tech ETF 0.97% 5,703 $4.3M Add +0.1%
MZTI The Marzetti Company 0.91% 24,473 $4.0M Add +2.8%
HDV iShares Core High Dividend E 0.88% 32,078 $3.9M Add +0.1%
VBR Vngrd Mrngst SL-CP Val ETF-U 0.79% 16,622 $3.5M Add +0.6%
SYK Stryker Corp. 0.73% 9,266 $3.3M Add +1.4%
MSFT Microsoft Corp. 0.71% 6,492 $3.1M Add +0.0%
CAT Caterpillar Inc. 0.64% 4,968 $2.8M Reduce -0.7%
QQQ Invesco QQQ Trust Series 1 0.43% 3,126 $1.9M Reduce -4.6%
BRK.B Berkshire Hathaway Inc. Class B 0.37% 3,304 $1.7M Add +2.7%
VOE Vngrd Mrngstr MD-Cap Val ETF 0.36% 9,147 $1.6M Add +0.7%
VTV Vanguard Mrngstr Val ETF-Aui 0.36% 8,289 $1.6M Add +1.5%
QCOM Qualcomm Inc. 0.35% 9,207 $1.6M No change
VDC Vanguard Consumer Staple ETF 0.35% 7,349 $1.6M Add +0.4%
VIG Vanguard Dividend Apprec ETF 0.35% 7,020 $1.5M Add +13.5%
MCD McDonald's Corp. 0.34% 4,951 $1.5M No change
EFA iShares MSCI Eafe ETF 0.34% 15,509 $1.5M Add +1.1%
PG The Procter & Gamble Co. 0.33% 10,138 $1.5M Add +0.0%
DVY iShares Select Dividend ETF 0.28% 8,896 $1.3M Reduce -0.7%
CVX Chevron Corp. 0.27% 7,896 $1.2M Add +0.0%
MRK Merck & Co. Inc. 0.26% 11,084 $1.2M Add +0.0%
V Visa Inc. Class A 0.25% 3,126 $1.1M Reduce -0.9%
PFE Pfizer Inc. 0.24% 43,410 $1.1M Add +0.3%
JPM JPMorgan Chase & Co. 0.23% 3,209 $1.0M No change
QUAL iShares MSCI USA Quality Fac 0.23% 5,148 $1.0M Reduce -0.3%
VTEB Vanguard Tax-Exempt Bond ETF 0.23% 19,984 $1.0M Add +0.6%
META Meta Platforms Inc. Class A 0.21% 1,446 $955K No change
VZ Verizon Communications Inc. 0.21% 23,423 $954K Add +0.0%
AEP American Electric Power 0.21% 7,944 $916K No change
RTX RTX Corp. 0.21% 4,989 $915K Add +0.0%
VAW Vanguard Materials ETF 0.19% 4,151 $862K Add +0.1%
SCHF Schwab Intl Equity ETF 0.19% 35,777 $860K Add +2.9%
PEP Pepsico Inc. 0.19% 5,928 $851K No change
GLD SPDR Gold Shares 0.19% 2,133 $845K No change
SPLV Invesco S&P 500 Low Volatili 0.19% 11,724 $837K Add +0.4%
MO Altria Group Inc. 0.19% 14,329 $826K Reduce -1.5%
GOOGL Alphabet Inc. Class A 0.19% 2,635 $825K Add +0.0%
CSCO Cisco Systems Inc. 0.19% 10,707 $825K No change
XLI SS Industrial Select Sector 0.18% 5,156 $800K No change
KO The Coca-Cola Co. 0.17% 11,055 $773K Add +0.1%
UPS United Parcel Service Class B 0.17% 7,564 $750K Add +0.1%
TD Toronto-Dominion Bank 0.16% 7,771 $732K No change
PM Philip Morris International 0.16% 4,523 $725K No change
USB US Bancorp 0.16% 13,380 $714K Add +0.0%
PFG Principal Financial Group 0.15% 7,815 $689K No change
SPY SS SPDR S&P 500 ETF Trust-US 0.15% 1,000 $682K No change
TFC Truist Financial Corp. 0.14% 12,560 $618K No change
SLQD iShares 0-5 YR Inv GRD Corp. 0.13% 11,258 $571K Reduce -5.7%
EFAV iShares MSCI Eafe Min Vol Fa 0.13% 6,559 $566K Add +0.2%
DUK Duke Energy Corp. 0.13% 4,810 $564K No change
WDC Western Digital Corp. 0.13% 3,229 $556K No change
BMY Bristol-Myers Squibb Co. 0.12% 10,050 $542K No change
IJJ iShares S&P Mid-Cap 400 Valu 0.12% 4,000 $526K No change
AMZN Amazon.com Inc. 0.11% 2,199 $508K No change
AMAT Applied Materials Inc. 0.11% 1,965 $505K No change
KMB Kimberly-Clark Corp. 0.11% 4,787 $483K No change
LMT Lockheed Martin Corp. 0.11% 983 $476K No change
NFG National Fuel Gas Co. 0.10% 5,678 $455K No change
EFG iShares MSCI Eafe Growth ETF 0.10% 3,749 $427K Add +0.4%
IQLT iShares MSCI International Q 0.09% 9,289 $422K Add +0.7%
IWP iShares Russell Mid-Cap Grow 0.09% 3,069 $420K Reduce -2.3%
VTI VG Morningstar TS MKT ETF-US 0.09% 1,192 $400K Reduce -2.1%
GILD Gilead Sciences Inc. 0.09% 3,160 $388K No change
AMGN Amgen Inc. 0.09% 1,162 $380K No change
CLX Clorox Company 0.08% 3,725 $376K No change
AVGO Broadcom Inc. 0.08% 1,064 $368K Add +0.2%
NULV Nuveen ESG Large-Cap Val ETF 0.07% 7,362 $332K Add +1.6%
SIVR Abrdn Physical Silver Shares 0.07% 4,859 $329K No change
GD General Dynamics Corp. 0.07% 963 $324K No change
JNJ Johnson & Johnson 0.07% 1,454 $301K No change
NULG Nuveen ESG LRG-Cap GRW ETF 0.07% 2,994 $293K Add +0.1%
TTE Totalenergies SE 0.06% 4,224 $276K No change
BX Blackstone Inc. 0.06% 1,775 $274K Reduce -13.5%
SPDW Ste STR SPDR PT DW Eu ETF 0.06% 6,042 $268K Add +1.3%
IBM Intl Business Machines Corp. filed as INTERNATIONAL BUSINESS MACHS 0.06% 902 $267K No change
SCHG Schwab US Large-Cap Growth 0.06% 8,083 $264K Reduce -3.6%
SNDK Sandisk Corp. 0.06% 1,075 $255K New
TSM Taiwan Semiconductor-SP ADR 0.06% 808 $246K No change
WMT Walmart Inc. 0.06% 2,198 $245K No change
NVDA Nvidia Corp. 0.05% 1,273 $237K No change
PSX Phillips 66 0.05% 1,815 $234K No change
BSV Vanguard Short-Term Bond ETF 0.05% 2,901 $229K Add +0.9%
EPD Enterprise Products Partners 0.05% 7,034 $226K No change
ET Energy Transfer LP 0.05% 13,216 $218K Add +0.2%
IVV iShares Core S&P 500 ETF 0.05% 312 $214K No change
MOAT Vaneck Morningstar Wide Moat 0.05% 2,029 $210K No change

Portfolio Sells Q3 2025 → Q4 2025
K Kellanova Sold out 0.00% −0.56
RPG Invesco S&P 500 Pure Growth Reduce -3.7% 1.10% −0.11
VBK Van Morst SML-Cap Gro-Usd Inc. Reduce -1.8% 1.35% −0.05
MO Altria Group Inc. Reduce -1.5% 0.19% −0.04
QQQ Invesco QQQ Trust Series 1 Reduce -4.6% 0.43% −0.03
BX Blackstone Inc. Reduce -13.5% 0.06% −0.02
DVY iShares Select Dividend ETF Reduce -0.7% 0.28% −0.01
SLQD iShares 0-5 YR Inv GRD Corp. Reduce -5.7% 0.13% −0.01
IWP iShares Russell Mid-Cap Grow Reduce -2.3% 0.09% −0.01
V Visa Inc. Class A Reduce -0.9% 0.25% −0.00
QUAL iShares MSCI USA Quality Fac Reduce -0.3% 0.23% −0.00
VTI VG Morningstar TS MKT ETF-US Reduce -2.1% 0.09% −0.00
SCHG Schwab US Large-Cap Growth Reduce -3.6% 0.06% −0.00
CAT Caterpillar Inc. Reduce -0.7% 0.64% +0.09

Portfolio Buys Q3 2025 → Q4 2025
VEA Vanguard Ftse Developed ETF Add +2.7% 10.00% +0.36
VCRB Vanguard Core Bond ETF Add +9.3% 3.04% +0.15
VCSH Vanguard S/T Corp. Bond ETF Add +4.9% 6.91% +0.09
DGRO iShares Core Dividend Growth Add +2.3% 8.58% +0.09
VGSH Vanguard Short-Term Treasury Add +4.5% 6.06% +0.06
SNDK Sandisk Corp. New 0.06% +0.06
MRK Merck & Co. Inc. Add +0.0% 0.26% +0.05
VB Vanguard Most SM-Cap ETF-Usd Add +2.3% 6.99% +0.04
VIG Vanguard Dividend Apprec ETF Add +13.5% 0.35% +0.04
GOOGL Alphabet Inc. Class A Add +0.0% 0.19% +0.04
AAPL Apple Inc. Add +0.0% 1.07% +0.04
UPS United Parcel Service Class B Add +0.1% 0.17% +0.02
VYM Vanguard High DVD Yield ETF Add +1.6% 7.11% +0.01
RTX RTX Corp. Add +0.0% 0.21% +0.01
USB US Bancorp Add +0.0% 0.16% +0.01
SCHF Schwab Intl Equity ETF Add +2.9% 0.19% +0.01
KO The Coca-Cola Co. Add +0.1% 0.17% +0.00
EFA iShares MSCI Eafe ETF Add +1.1% 0.34% +0.00
VTV Vanguard Mrngstr Val ETF-Aui Add +1.5% 0.36% +0.00
AVGO Broadcom Inc. Add +0.2% 0.08% +0.00
SPDW Ste STR SPDR PT DW Eu ETF Add +1.3% 0.06% +0.00
NULV Nuveen ESG Large-Cap Val ETF Add +1.6% 0.07% +0.00
IQLT iShares MSCI International Q Add +0.7% 0.09% +0.00
SPEM State Street SP PTF Em ETF Add +3.2% 1.27% −0.00
BSV Vanguard Short-Term Bond ETF Add +0.9% 0.05% −0.00
EFAV iShares MSCI Eafe Min Vol Fa Add +0.2% 0.13% −0.00
BRK.B Berkshire Hathaway Inc. Class B Add +2.7% 0.37% −0.00
EFG iShares MSCI Eafe Growth ETF Add +0.4% 0.10% −0.00
NULG Nuveen ESG LRG-Cap GRW ETF Add +0.1% 0.07% −0.00
VOE Vngrd Mrngstr MD-Cap Val ETF Add +0.7% 0.36% −0.00
ET Energy Transfer LP Add +0.2% 0.05% −0.00
VAW Vanguard Materials ETF Add +0.1% 0.19% −0.00
VTEB Vanguard Tax-Exempt Bond ETF Add +0.6% 0.23% −0.00
VBR Vngrd Mrngst SL-CP Val ETF-U Add +0.6% 0.79% −0.01
SPLV Invesco S&P 500 Low Volatili Add +0.4% 0.19% −0.01
PFE Pfizer Inc. Add +0.3% 0.24% −0.01
CVX Chevron Corp. Add +0.0% 0.27% −0.01
VDC Vanguard Consumer Staple ETF Add +0.4% 0.35% −0.01
VGT Vanguard Info Tech ETF Add +0.1% 0.97% −0.02
VZ Verizon Communications Inc. Add +0.0% 0.21% −0.02
HDV iShares Core High Dividend E Add +0.1% 0.88% −0.03
PG The Procter & Gamble Co. Add +0.0% 0.33% −0.03
MZTI The Marzetti Company Add +2.8% 0.91% −0.05
SYK Stryker Corp. Add +1.4% 0.73% −0.05
MSFT Microsoft Corp. Add +0.0% 0.71% −0.07
SDY SS SPDR S&P Dividend ETF Add +2.8% 7.95% −0.08
VUG Vanguard Mrngstar GR ETF-Sui Add +0.5% 10.03% −0.10
VO Vngrd Mrngstr MD-Cap ETF-Usd Add +2.3% 5.81% −0.12
VOT Vngrd Mrngstr MC GRW ETF-Usd Add +0.7% 2.55% −0.20

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