OLIO Financial Planning

MCLEAN, VA

$403m in 68 US stocks at the end of 30 June 2026. The top 10 are 88.3% of the money. It changed about 2.0% of the portfolio this quarter.

Value

$403m

Stocks

Top 10 share

88.3%

Turnover

2.0%

What changed this quarter

New

Bought for the first time this quarter.

Vanguard Index FDSVB
<0.1% of the fund

Added

Bought more of a stock they already held.

Vanguard Index FDSVTV
18.4% of the fund
+3%
Fidelity Merrimack STR TRFBND
12.2% of the fund
+7%
Vanguard Index FDSVOE
5.0% of the fund
+3%
Schwab Strategic TRSCHD
1.3% of the fund
+4%
Spdr Index SHS FDSSPEM
0.9% of the fund
+4%
Spdr Series TrustSPSB
0.7% of the fund
+14%
J P Morgan Exchange Traded FJMST
0.3% of the fund
+3%
AlphabetGOOGL
0.1% of the fund
+3%
Ishares TRSUSA
0.1% of the fund
+5%

Cut

Sold some of their stake.

Vanguard Index FDSVTI
10.4% of the fund
-3%
Vanguard MUN BD FDSVTEB
1.1% of the fund
-4%
AppleAAPL
0.7% of the fund
-7%
Ishares TRESGD
0.6% of the fund
-3%
Vanguard Intl Equity Index FVWO
0.6% of the fund
-5%
Vanguard Star FDSVXUS
0.5% of the fund
-3%
Vanguard Index FDSVOO
0.4% of the fund
-9%
Vanguard Index FDSVO
0.3% of the fund
-5%
Schwab Strategic TRSCHE
0.3% of the fund
-8%
IsharesEMXC
0.3% of the fund
-5%
IsharesESGE
0.2% of the fund
-11%
NvidiaNVDA
0.2% of the fund
-12%
Invesco QQQ TRQQQ
0.2% of the fund
-4%
Ishares TRESML
0.1% of the fund
-8%
MicrosoftMSFT
0.1% of the fund
-5%
Ishares TRITOT
0.1% of the fund
-8%
AlphabetGOOG
<0.1% of the fund
-26%
Meta PlatformsMETA
<0.1% of the fund
-8%
Norfolk SouthernNSC
<0.1% of the fund
-42%
ExxonMobil HoldingsXOM
<0.1% of the fund
-17%
ChevronCVX
<0.1% of the fund
-20%
Manhattan Bridge CapitalLOAN
<0.1% of the fund
-5%

Sold out

Sold their entire stake.

Moody'sMCO
-100%
KrogerKR
-100%
CSXCSX
-100%
Ishares Bitcoin Trust ETFIBIT
-100%
Leidos HoldingsLDOS
-100%

Holdings

Vanguard Index FDSVTV
Share
18.4%
Value
$74m
Shares
339,638
+3%
Dimensional ETF TrustDFUS
Share
18.2%
Value
$73m
Shares
896,829
Held
Vanguard Tax-Managed FDSVEA
Share
14.7%
Value
$59m
Shares
830,924
Held
Fidelity Merrimack STR TRFBND
Share
12.2%
Value
$49m
Shares
1,084,423
+7%
Vanguard Index FDSVTI
Share
10.4%
Value
$42m
Shares
112,899
-3%
Vanguard Index FDSVOE
Share
5.0%
Value
$20m
Shares
102,577
+3%
Dimensional ETF TrustDFAT
Share
4.1%
Value
$16m
Shares
233,804
Held
Vanguard Intl Equity Index FVEU
Share
3.0%
Value
$12m
Shares
145,173
Held
Schwab Strategic TRSCHD
Share
1.3%
Value
$5m
Shares
161,377
+4%
Vanguard MUN BD FDSVTEB
Share
1.1%
Value
$4m
Shares
85,515
-4%
Spdr Index SHS FDSSPEM
Share
0.9%
Value
$4m
Shares
70,419
+4%
Vanguard Index FDSVBR
Share
0.8%
Value
$3m
Shares
13,459
Held
AppleAAPL
Share
0.7%
Value
$3m
Shares
10,420
-7%
Spdr Series TrustSPSB
Share
0.7%
Value
$3m
Shares
89,293
+14%
Ishares TRESGD
Share
0.6%
Value
$2m
Shares
21,848
-3%
Vanguard Intl Equity Index FVWO
Share
0.6%
Value
$2m
Shares
37,510
-5%
Vanguard Star FDSVXUS
Share
0.5%
Value
$2m
Shares
24,315
-3%
Ishares TRESGU
Share
0.4%
Value
$2m
Shares
10,384
Held
Vanguard Index FDSVOO
Share
0.4%
Value
$2m
Shares
2,276
-9%
Vanguard Index FDSVO
Share
0.3%
Value
$1m
Shares
17,384
-5%
Schwab Strategic TRSCHE
Share
0.3%
Value
$1m
Shares
35,599
-8%
IsharesEMXC
Share
0.3%
Value
$1m
Shares
10,430
-5%
J P Morgan Exchange Traded FJMST
Share
0.3%
Value
$1m
Shares
20,171
+3%
Berkshire HathawayBRK-B
Share
0.2%
Value
$946,238
Shares
1,891
Held
IsharesESGE
Share
0.2%
Value
$924,808
Shares
16,910
-11%
Spdr Series TrustSPTM
Share
0.2%
Value
$920,793
Shares
10,142
Held
Amazon.comAMZN
Share
0.2%
Value
$848,014
Shares
3,558
Held
NvidiaNVDA
Share
0.2%
Value
$776,405
Shares
3,880
-12%
Invesco QQQ TRQQQ
Share
0.2%
Value
$768,066
Shares
1,043
-4%
Schwab Strategic TRSCHB
Share
0.2%
Value
$717,592
Shares
24,779
Held
JPMorgan ChaseJPM
Share
0.2%
Value
$659,487
Shares
2,015
Held
Advanced Micro DevicesAMD
Share
0.2%
Value
$649,458
Shares
1,118
Held
AegonAEG
Share
0.1%
Value
$599,316
Shares
71,009
Held
Spdr Gold TRGLD
Share
0.1%
Value
$596,776
Shares
1,620
Held
Ishares TRESML
Share
0.1%
Value
$573,339
Shares
10,251
-8%
Applied MaterialsAMAT
Share
0.1%
Value
$560,325
Shares
775
Held
Ishares TRMUB
Share
0.1%
Value
$528,953
Shares
4,915
Held
Booz Allen Hamilton HoldingBAH
Share
0.1%
Value
$495,068
Shares
8,160
Held
Ishares TRIVV
Share
0.1%
Value
$486,747
Shares
650
Held
Intuitive SurgicalISRG
Share
0.1%
Value
$467,274
Shares
1,175
Held
MicrosoftMSFT
Share
0.1%
Value
$453,136
Shares
1,215
-5%
AlphabetGOOGL
Share
0.1%
Value
$451,874
Shares
1,264
+3%
Dominion EnergyD
Share
0.1%
Value
$446,973
Shares
6,545
Held
Carlisle CompaniesCSL
Share
0.1%
Value
$433,849
Shares
1,196
Held
Select Sector Spdr TRXLK
Share
0.1%
Value
$432,862
Shares
2,272
Held
Ishares TRITOT
Share
0.1%
Value
$431,045
Shares
2,624
-8%
Ishares TRSUSA
Share
0.1%
Value
$410,747
Shares
2,662
+5%
RTXRTX
Share
0.1%
Value
$408,869
Shares
2,155
Held
Spdr Index SHS FDSSPDW
Share
<0.1%
Value
$392,085
Shares
7,781
Held
AlphabetGOOG
Share
<0.1%
Value
$362,703
Shares
1,027
-26%
Gladstone CommercialGOOD
Share
<0.1%
Value
$357,315
Shares
29,050
Held
Meta PlatformsMETA
Share
<0.1%
Value
$331,224
Shares
588
-8%
Invesco Exchange Traded FD TRSPT
Share
<0.1%
Value
$318,437
Shares
4,937
Held
State STR Spdr S&P 500 ETF TSPY
Share
<0.1%
Value
$318,124
Shares
426
Held
Norfolk SouthernNSC
Share
<0.1%
Value
$301,706
Shares
959
-42%
Science Applications InternationalSAIC
Share
<0.1%
Value
$288,723
Shares
2,615
Held
Costco WholesaleCOST
Share
<0.1%
Value
$260,799
Shares
279
Held
ExxonMobil HoldingsXOM
Share
<0.1%
Value
$256,077
Shares
1,873
-17%
Dimensional ETF TrustDFUV
Share
<0.1%
Value
$233,933
Shares
4,253
Held
WalmartWMT
Share
<0.1%
Value
$229,028
Shares
2,022
Held
ChevronCVX
Share
<0.1%
Value
$228,718
Shares
1,380
-20%
Spdr Series TrustSPAB
Share
<0.1%
Value
$223,990
Shares
8,777
Held
Vanguard Index FDSVB
Share
<0.1%
Value
$220,717
Shares
728
New
Vanguard BD Index FDSBSV
Share
<0.1%
Value
$212,822
Shares
2,732
Held
American Electric PowerAEP
Share
<0.1%
Value
$210,688
Shares
1,540
Held
Manhattan Bridge CapitalLOAN
Share
<0.1%
Value
$59,564
Shares
59,563
-5%
Northern Dynasty MineralsNAK
Share
<0.1%
Value
$43,047
Shares
22,420
Held
SmartRentSMRT
Share
<0.1%
Value
$18,488
Shares
15,536
Held

Company	Share of fund	Value	Shares	Change
Vanguard Index FDSVTV	18.4%	$74m	339,638	+3%
Dimensional ETF TrustDFUS	18.2%	$73m	896,829	Held
Vanguard Tax-Managed FDSVEA	14.7%	$59m	830,924	Held
Fidelity Merrimack STR TRFBND	12.2%	$49m	1,084,423	+7%
Vanguard Index FDSVTI	10.4%	$42m	112,899	-3%
Vanguard Index FDSVOE	5.0%	$20m	102,577	+3%
Dimensional ETF TrustDFAT	4.1%	$16m	233,804	Held
Vanguard Intl Equity Index FVEU	3.0%	$12m	145,173	Held
Schwab Strategic TRSCHD	1.3%	$5m	161,377	+4%
Vanguard MUN BD FDSVTEB	1.1%	$4m	85,515	-4%
Spdr Index SHS FDSSPEM	0.9%	$4m	70,419	+4%
Vanguard Index FDSVBR	0.8%	$3m	13,459	Held
AppleAAPL	0.7%	$3m	10,420	-7%
Spdr Series TrustSPSB	0.7%	$3m	89,293	+14%
Ishares TRESGD	0.6%	$2m	21,848	-3%
Vanguard Intl Equity Index FVWO	0.6%	$2m	37,510	-5%
Vanguard Star FDSVXUS	0.5%	$2m	24,315	-3%
Ishares TRESGU	0.4%	$2m	10,384	Held
Vanguard Index FDSVOO	0.4%	$2m	2,276	-9%
Vanguard Index FDSVO	0.3%	$1m	17,384	-5%
Schwab Strategic TRSCHE	0.3%	$1m	35,599	-8%
IsharesEMXC	0.3%	$1m	10,430	-5%
J P Morgan Exchange Traded FJMST	0.3%	$1m	20,171	+3%
Berkshire HathawayBRK-B	0.2%	$946,238	1,891	Held
IsharesESGE	0.2%	$924,808	16,910	-11%
Spdr Series TrustSPTM	0.2%	$920,793	10,142	Held
Amazon.comAMZN	0.2%	$848,014	3,558	Held
NvidiaNVDA	0.2%	$776,405	3,880	-12%
Invesco QQQ TRQQQ	0.2%	$768,066	1,043	-4%
Schwab Strategic TRSCHB	0.2%	$717,592	24,779	Held
JPMorgan ChaseJPM	0.2%	$659,487	2,015	Held
Advanced Micro DevicesAMD	0.2%	$649,458	1,118	Held
AegonAEG	0.1%	$599,316	71,009	Held
Spdr Gold TRGLD	0.1%	$596,776	1,620	Held
Ishares TRESML	0.1%	$573,339	10,251	-8%
Applied MaterialsAMAT	0.1%	$560,325	775	Held
Ishares TRMUB	0.1%	$528,953	4,915	Held
Booz Allen Hamilton HoldingBAH	0.1%	$495,068	8,160	Held
Ishares TRIVV	0.1%	$486,747	650	Held
Intuitive SurgicalISRG	0.1%	$467,274	1,175	Held
MicrosoftMSFT	0.1%	$453,136	1,215	-5%
AlphabetGOOGL	0.1%	$451,874	1,264	+3%
Dominion EnergyD	0.1%	$446,973	6,545	Held
Carlisle CompaniesCSL	0.1%	$433,849	1,196	Held
Select Sector Spdr TRXLK	0.1%	$432,862	2,272	Held
Ishares TRITOT	0.1%	$431,045	2,624	-8%
Ishares TRSUSA	0.1%	$410,747	2,662	+5%
RTXRTX	0.1%	$408,869	2,155	Held
Spdr Index SHS FDSSPDW	<0.1%	$392,085	7,781	Held
AlphabetGOOG	<0.1%	$362,703	1,027	-26%
Gladstone CommercialGOOD	<0.1%	$357,315	29,050	Held
Meta PlatformsMETA	<0.1%	$331,224	588	-8%
Invesco Exchange Traded FD TRSPT	<0.1%	$318,437	4,937	Held
State STR Spdr S&P 500 ETF TSPY	<0.1%	$318,124	426	Held
Norfolk SouthernNSC	<0.1%	$301,706	959	-42%
Science Applications InternationalSAIC	<0.1%	$288,723	2,615	Held
Costco WholesaleCOST	<0.1%	$260,799	279	Held
ExxonMobil HoldingsXOM	<0.1%	$256,077	1,873	-17%
Dimensional ETF TrustDFUV	<0.1%	$233,933	4,253	Held
WalmartWMT	<0.1%	$229,028	2,022	Held
ChevronCVX	<0.1%	$228,718	1,380	-20%
Spdr Series TrustSPAB	<0.1%	$223,990	8,777	Held
Vanguard Index FDSVB	<0.1%	$220,717	728	New
Vanguard BD Index FDSBSV	<0.1%	$212,822	2,732	Held
American Electric PowerAEP	<0.1%	$210,688	1,540	Held
Manhattan Bridge CapitalLOAN	<0.1%	$59,564	59,563	-5%
Northern Dynasty MineralsNAK	<0.1%	$43,047	22,420	Held
SmartRentSMRT	<0.1%	$18,488	15,536	Held

Over time and by industry

Value over time

Jun '25

Dec '25

Jun '26

Value is up 27.1% since 30 June 2025.

Where the money is

Technology1.4%

Financial services0.5%

Industrials0.5%

Media & telecom0.3%

Retail & consumer0.2%

Utilities0.2%

Everyday goods0.1%

Energy0.1%

Health care0.1%

Real estate0.1%

Materials0.0%

Other96.5%

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.