Carter Financial

LA JOLLA, CAfiles as Carter Financial, LLC

$133m in 33 US stocks at the end of 30 June 2026. The top 10 are 90.8% of the money. It changed about 2.7% of the portfolio this quarter.

Value

$133m

Stocks

Top 10 share

90.8%

Turnover

2.7%

What changed this quarter

New

Bought for the first time this quarter.

J P Morgan Exchange Traded FJBND
0.2% of the fund
Ishares TRUSMV
0.2% of the fund
AbbVieABBV
0.2% of the fund
Fifth Third BancorpFITB
0.2% of the fund
Home DepotHD
0.2% of the fund

Added

Bought more of a stock they already held.

Capital Group Dividend ValueCGDV
15.1% of the fund
+3%
First TR Exchange-Traded FDLMBS
10.1% of the fund
+14%
Vanguard Index FDSVOO
1.6% of the fund
+27%
J P Morgan Exchange Traded FJMUB
1.2% of the fund
+27%
Schwab Strategic TRFNDF
1.2% of the fund
+44%
Schwab Strategic TRSCHG
0.4% of the fund
+42%
First TR Exchange Traded FDSDVY
0.2% of the fund
+21%

Cut

Sold some of their stake.

Vanguard Index FDSVTI
20.7% of the fund
-3%
Vanguard Index FDSVB
4.9% of the fund
-3%
Vanguard Index FDSVNQ
2.1% of the fund
-8%
AppleAAPL
1.2% of the fund
-6%

Sold out

Sold their entire stake.

None this quarter.

Holdings

Vanguard Index FDSVUG
Share
24.9%
Value
$33m
Shares
385,809
Held
Vanguard Index FDSVTI
Share
20.7%
Value
$28m
Shares
74,694
-3%
Capital Group Dividend ValueCGDV
Share
15.1%
Value
$20m
Shares
409,548
+3%
First TR Exchange-Traded FDLMBS
Share
10.1%
Value
$14m
Shares
271,854
+14%
Vanguard Index FDSVTV
Share
8.5%
Value
$11m
Shares
52,230
Held
Vanguard Index FDSVB
Share
4.9%
Value
$6m
Shares
21,353
-3%
Vanguard Index FDSVNQ
Share
2.1%
Value
$3m
Shares
28,749
-8%
Vanguard Index FDSVOO
Share
1.6%
Value
$2m
Shares
3,150
+27%
J P Morgan Exchange Traded FJMST
Share
1.5%
Value
$2m
Shares
40,016
Held
J P Morgan Exchange Traded FJMUB
Share
1.2%
Value
$2m
Shares
32,518
+27%
Schwab Strategic TRFNDF
Share
1.2%
Value
$2m
Shares
30,914
+44%
AppleAAPL
Share
1.2%
Value
$2m
Shares
5,461
-6%
Vanguard Star FDSVXUS
Share
1.0%
Value
$1m
Shares
16,014
Held
Vanguard MUN BD FDSVTEB
Share
0.8%
Value
$1m
Shares
20,273
Held
Global X FDSCATH
Share
0.5%
Value
$671,949
Shares
7,593
Held
VisaV
Share
0.4%
Value
$596,634
Shares
1,739
Held
Schwab Strategic TRSCHG
Share
0.4%
Value
$568,106
Shares
16,788
+42%
J P Morgan Exchange Traded FJPST
Share
0.4%
Value
$536,143
Shares
10,602
Held
SempraSRE
Share
0.3%
Value
$377,886
Shares
4,076
Held
Berkshire HathawayBRK-B
Share
0.3%
Value
$344,769
Shares
689
Held
Capital Group Intl Focus EQTCGXU
Share
0.3%
Value
$334,533
Shares
9,663
Held
Schwab Strategic TRSCHB
Share
0.2%
Value
$332,577
Shares
11,484
Held
Vanguard BD Index FDSBIV
Share
0.2%
Value
$329,350
Shares
4,294
Held
First TR Exchange Traded FDSDVY
Share
0.2%
Value
$327,735
Shares
7,597
+21%
CaterpillarCAT
Share
0.2%
Value
$319,470
Shares
300
Held
J P Morgan Exchange Traded FJBND
Share
0.2%
Value
$313,136
Shares
5,853
New
Schwab Strategic TRSCHD
Share
0.2%
Value
$261,639
Shares
8,251
Held
First TR Exchng Traded FD VIBUFR
Share
0.2%
Value
$256,331
Shares
7,017
Held
Ishares TRUSMV
Share
0.2%
Value
$249,831
Shares
2,590
New
MicrosoftMSFT
Share
0.2%
Value
$236,495
Shares
634
Held
AbbVieABBV
Share
0.2%
Value
$216,914
Shares
862
New
Fifth Third BancorpFITB
Share
0.2%
Value
$210,204
Shares
3,729
New
Home DepotHD
Share
0.2%
Value
$202,791
Shares
575
New

Company	Share of fund	Value	Shares	Change
Vanguard Index FDSVUG	24.9%	$33m	385,809	Held
Vanguard Index FDSVTI	20.7%	$28m	74,694	-3%
Capital Group Dividend ValueCGDV	15.1%	$20m	409,548	+3%
First TR Exchange-Traded FDLMBS	10.1%	$14m	271,854	+14%
Vanguard Index FDSVTV	8.5%	$11m	52,230	Held
Vanguard Index FDSVB	4.9%	$6m	21,353	-3%
Vanguard Index FDSVNQ	2.1%	$3m	28,749	-8%
Vanguard Index FDSVOO	1.6%	$2m	3,150	+27%
J P Morgan Exchange Traded FJMST	1.5%	$2m	40,016	Held
J P Morgan Exchange Traded FJMUB	1.2%	$2m	32,518	+27%
Schwab Strategic TRFNDF	1.2%	$2m	30,914	+44%
AppleAAPL	1.2%	$2m	5,461	-6%
Vanguard Star FDSVXUS	1.0%	$1m	16,014	Held
Vanguard MUN BD FDSVTEB	0.8%	$1m	20,273	Held
Global X FDSCATH	0.5%	$671,949	7,593	Held
VisaV	0.4%	$596,634	1,739	Held
Schwab Strategic TRSCHG	0.4%	$568,106	16,788	+42%
J P Morgan Exchange Traded FJPST	0.4%	$536,143	10,602	Held
SempraSRE	0.3%	$377,886	4,076	Held
Berkshire HathawayBRK-B	0.3%	$344,769	689	Held
Capital Group Intl Focus EQTCGXU	0.3%	$334,533	9,663	Held
Schwab Strategic TRSCHB	0.2%	$332,577	11,484	Held
Vanguard BD Index FDSBIV	0.2%	$329,350	4,294	Held
First TR Exchange Traded FDSDVY	0.2%	$327,735	7,597	+21%
CaterpillarCAT	0.2%	$319,470	300	Held
J P Morgan Exchange Traded FJBND	0.2%	$313,136	5,853	New
Schwab Strategic TRSCHD	0.2%	$261,639	8,251	Held
First TR Exchng Traded FD VIBUFR	0.2%	$256,331	7,017	Held
Ishares TRUSMV	0.2%	$249,831	2,590	New
MicrosoftMSFT	0.2%	$236,495	634	Held
AbbVieABBV	0.2%	$216,914	862	New
Fifth Third BancorpFITB	0.2%	$210,204	3,729	New
Home DepotHD	0.2%	$202,791	575	New

Over time and by industry

Value over time

Dec '25

Jun '26

Value is up 17.7% since 31 December 2025.

Where the money is

Technology1.4%

Financial services0.9%

Utilities0.3%

Industrials0.2%

Health care0.2%

Retail & consumer0.2%

Other96.9%

From the fund's 13F filings. They list US stocks and options only, 45 days after each quarter, and leave out cash, bonds, shorts and foreign shares.