Valpey Financial Services, LLC — Q4 2025 13F Holdings

Holdings as of December 31, 2025

Portfolio value

$156.63B

Holdings count

72 positions reported

Accession #

0002077991-26-000003

Form 13F-HR/A

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All Reported Positions

72 positions sorted by value

72 positions

Issuer	CUSIP	Valuev	Weight	Shares/Prin.	Discretion	Voting (Sole/Shared/None)
VANGUARD INDEX FDSVALUE ETF	922908744	$8.39B	5.36%	43,924shares	SOLE	0 / 0 / 0
VANGUARD INDEX FDSGROWTH ETF	922908736	$8.17B	5.22%	16,744shares	SOLE	0 / 0 / 0
SCHWAB STRATEGIC TRUS LCAP GR ETF	808524300	$8.00B	5.11%	245,365shares	SOLE	0 / 0 / 0
VANGUARD CHARLOTTE FDSTOTAL INT BD ETF	92203J407	$6.75B	4.31%	139,723shares	SOLE	0 / 0 / 0
SCHWAB STRATEGIC TRUS LCAP VA ETF	808524409	$6.25B	3.99%	211,120shares	SOLE	0 / 0 / 0
VANGUARD STAR FDSVG TL INTL STK F	921909768	$6.04B	3.86%	80,100shares	SOLE	0 / 0 / 0
VANGUARD INTL EQUITY INDEX FALLWRLD EX US	922042775	$5.52B	3.52%	75,033shares	SOLE	0 / 0 / 0
SPDR INDEX SHS FDSPORTFOLIO DEVLPD	78463X889	$5.51B	3.52%	124,004shares	SOLE	0 / 0 / 0
SCHWAB STRATEGIC TRINTL EQTY ETF	808524805	$5.32B	3.39%	221,193shares	SOLE	0 / 0 / 0
SCHWAB STRATEGIC TRSHT TM US TRES	808524862	$5.25B	3.35%	215,297shares	SOLE	0 / 0 / 0
VANGUARD BD INDEX FDSTOTAL BND MRKT	921937835	$5.24B	3.34%	70,702shares	SOLE	0 / 0 / 0
VANGUARD BD INDEX FDSSHORT TRM BOND	921937827	$4.86B	3.10%	61,662shares	SOLE	0 / 0 / 0
VANGUARD INDEX FDSMID CAP ETF	922908629	$4.42B	2.82%	15,240shares	SOLE	0 / 0 / 0
VANGUARD INDEX FDSSM CP VAL ETF	922908611	$4.27B	2.73%	20,162shares	SOLE	0 / 0 / 0
SCHWAB STRATEGIC TRUS MID-CAP ETF	808524508	$4.22B	2.70%	140,495shares	SOLE	0 / 0 / 0
SCHWAB STRATEGIC TRUS AGGREGATE B	808524839	$3.75B	2.39%	160,420shares	SOLE	0 / 0 / 0
SCHWAB STRATEGIC TRUS SML CAP ETF	808524607	$3.64B	2.32%	127,765shares	SOLE	0 / 0 / 0
ISHARES TRCORE S&P US GWT	464287671	$3.53B	2.25%	20,991shares	SOLE	0 / 0 / 0
VANGUARD SCOTTSDALE FDSVNG RUS1000VAL	92206C714	$3.46B	2.21%	37,471shares	SOLE	0 / 0 / 0
ISHARES TRCORE S&P US VLU	464287663	$2.96B	1.89%	28,888shares	SOLE	0 / 0 / 0
VANGUARD SCOTTSDALE FDSTOTAL CORP BND	92206C573	$2.88B	1.84%	37,042shares	SOLE	0 / 0 / 0
ISHARES TRCORE US AGGBD ET	464287226	$2.87B	1.83%	28,763shares	SOLE	0 / 0 / 0
INVESCO EXCH TRADED FD TR IISR LN ETF	46138G508	$2.48B	1.58%	117,926shares	SOLE	0 / 0 / 0
ISHARES TRTIPS BD ETF	464287176	$2.43B	1.55%	22,100shares	SOLE	0 / 0 / 0
VANGUARD ADMIRAL FDS INCMIDCP 400 IDX	921932885	$2.30B	1.47%	20,614shares	SOLE	0 / 0 / 0
SPDR SERIES TRUSTSTATE STREET SPD	78464A508	$2.13B	1.36%	37,552shares	SOLE	0 / 0 / 0
VANGUARD ADMIRAL FDS INCSMLLCP 600 IDX	921932828	$2.10B	1.34%	18,937shares	SOLE	0 / 0 / 0
ISHARES TRMSCI EAFE ETF	464287465	$2.09B	1.34%	21,781shares	SOLE	0 / 0 / 0
SCHWAB STRATEGIC TRUS TIPS ETF	808524870	$1.97B	1.26%	74,403shares	SOLE	0 / 0 / 0
VANGUARD SCOTTSDALE FDSVNG RUS1000GRW	92206C680	$1.74B	1.11%	14,268shares	SOLE	0 / 0 / 0
ISHARES TRCORE S&P MCP ETF	464287507	$1.70B	1.08%	25,740shares	SOLE	0 / 0 / 0
SPDR S&P 500 ETF TRTR UNIT	78462F103	$1.61B	1.03%	2,366shares	SOLE	0 / 0 / 0
VANGUARD INTL EQUITY INDEX FFTSE EMR MKT ETF	922042858	$1.49B	0.95%	27,768shares	SOLE	0 / 0 / 0
ISHARES TRCORE S&P SCP ETF	464287804	$1.41B	0.90%	11,691shares	SOLE	0 / 0 / 0
ISHARES TR1 3 YR TREAS BD	464287457	$1.11B	0.71%	13,451shares	SOLE	0 / 0 / 0
ISHARES TRCORE INTL AGGR	46435G672	$1.10B	0.70%	22,008shares	SOLE	0 / 0 / 0
ISHARES TRSP SMCP600VL ETF	464287879	$1.07B	0.69%	9,436shares	SOLE	0 / 0 / 0
MICROSOFT CORPCOM	594918104	$1.03B	0.66%	2,125shares	SOLE	0 / 0 / 0
VANGUARD TAX-MANAGED FDSVAN FTSE DEV MKT	921943858	$983.74M	0.63%	15,747shares	SOLE	0 / 0 / 0
ISHARES TRCORE MSCI INTL	46435G326	$960.43M	0.61%	11,644shares	SOLE	0 / 0 / 0
VANGUARD INDEX FDSSMALL CP ETF	922908751	$954.53M	0.61%	3,700shares	SOLE	0 / 0 / 0
INTERNATIONAL BUSINESS MACHSCOM	459200101	$867.01M	0.55%	2,927shares	SOLE	0 / 0 / 0
SPDR SERIES TRUSTSTATE STREET SPD	78464A847	$814.45M	0.52%	14,064shares	SOLE	0 / 0 / 0
VANGUARD BD INDEX FDSVANGUARD ULTRA	92203C303	$808.29M	0.52%	16,218shares	SOLE	0 / 0 / 0
VANGUARD SCOTTSDALE FDSSHORT TERM TREAS	92206C102	$744.03M	0.48%	12,669shares	SOLE	0 / 0 / 0
ISHARES TRS&P 500 GRWT ETF	464287309	$712.29M	0.45%	5,779shares	SOLE	0 / 0 / 0
VANGUARD INDEX FDSTOTAL STK MKT	922908769	$704.36M	0.45%	2,101shares	SOLE	0 / 0 / 0
SPDR SERIES TRUSTSTATE STREET SPD	78464A409	$689.13M	0.44%	6,459shares	SOLE	0 / 0 / 0
ISHARES TRCORE UNIVRSL USD	46434V613	$642.03M	0.41%	13,795shares	SOLE	0 / 0 / 0
ISHARES TRTRUST ISHARE 0-1	464288679	$628.45M	0.40%	5,705shares	SOLE	0 / 0 / 0
ISHARES TRS&P 500 VAL ETF	464287408	$623.19M	0.40%	2,939shares	SOLE	0 / 0 / 0
SPDR SERIES TRUSTSTATE STREET SPD	78468R853	$587.64M	0.38%	12,540shares	SOLE	0 / 0 / 0
EXXON MOBIL CORPCOM	30231G102	$476.40M	0.30%	3,959shares	SOLE	0 / 0 / 0
ISHARES TRCORE MSCI TOTAL	46432F834	$475.91M	0.30%	5,623shares	SOLE	0 / 0 / 0
ISHARES TRMORNINGSTAR GRWT	464287119	$474.90M	0.30%	4,565shares	SOLE	0 / 0 / 0
GOLDMAN SACHS ETF TRACCESS INVT GR	381430479	$472.58M	0.30%	10,218shares	SOLE	0 / 0 / 0
ISHARES TRCORE 30/70 CONSE	464289883	$460.16M	0.29%	11,467shares	SOLE	0 / 0 / 0
ISHARES TRCORE 60/40 BALAN	464289867	$438.47M	0.28%	6,745shares	SOLE	0 / 0 / 0
JPMORGAN CHASE & CO.COM	46625H100	$437.25M	0.28%	1,357shares	SOLE	0 / 0 / 0
VANGUARD SCOTTSDALE FDSINT-TERM CORP	92206C870	$358.47M	0.23%	4,280shares	SOLE	0 / 0 / 0
ISHARES TRRUS 1000 GRW ETF	464287614	$356.87M	0.23%	754shares	SOLE	0 / 0 / 0
INVESCO EXCH TRADED FD TR IIS&P500 LOW VOL	46138E354	$354.42M	0.23%	4,962shares	SOLE	0 / 0 / 0
SPDR SERIES TRUSTSTATE STREET SPD	78468R200	$333.54M	0.21%	10,854shares	SOLE	0 / 0 / 0
SCHWAB STRATEGIC TRINT-TRM U.S TRES	808524854	$320.74M	0.20%	12,789shares	SOLE	0 / 0 / 0
ALPHABET INCCAP STK CL A	02079K305	$318.32M	0.20%	1,017shares	SOLE	0 / 0 / 0
ISHARES TRCORE 80/20 AGGRE	464289859	$286.79M	0.18%	3,202shares	SOLE	0 / 0 / 0
VANGUARD BD INDEX FDSINTERMED TERM	921937819	$230.93M	0.15%	2,965shares	SOLE	0 / 0 / 0
ISHARES TRCORE S&P500 ETF	464287200	$219.18M	0.14%	320shares	SOLE	0 / 0 / 0
ISHARES INCCORE MSCI EMKT	46434G103	$212.10M	0.14%	3,155shares	SOLE	0 / 0 / 0
ISHARES TRRUS 1000 VAL ETF	464287598	$211.72M	0.14%	1,007shares	SOLE	0 / 0 / 0
HONEYWELL INTL INCCOM	438516106	$208.75M	0.13%	1,070shares	SOLE	0 / 0 / 0
ISHARES TRISHS 1-5YR INVS	464288646	$200.30M	0.13%	3,788shares	SOLE	0 / 0 / 0

Filing Metadata

Form type

13F-HR/A

Filing date

Mar 4, 2026

Holdings as of

December 31, 2025

Accession

0002077991-26-000003

CIK

0002077991

View on SEC

Portfolio Snapshot

Total Portfolio Value

$156.63B

Number of Positions

72 reported by filer

Top 10 Concentration

41.6%

Top 20 Concentration

67.4%

Unique Issuers

By CUSIP

Avg. Position Size

$2.18B

Across 72 holdings

Top 5 Holdings

VANGUARD INDEX FDS5.4%

VANGUARD INDEX FDS5.2%

SCHWAB STRATEGIC TR5.1%

VANGUARD CHARLOTTE FDS4.3%

SCHWAB STRATEGIC TR4.0%