Q3 2026 13F · SEC CIK 1824263

Bull Oak Capital, LLC

Wealth managerFiled 2026-10-23 for Q3 2026. Open the filing ↗ · All SEC filings ↗

Reported 13F value: $306.2M
Reported positions: 39
Top holdings a year, 3 yrs: +16.1%
Assets under management: $261.6M

Bull Oak Capital, LLC is a wealth manager that reported 39 positions worth $306.2M in its Q3 2026 13F, filed 2026-10-23. Its largest holdings were Ishares Tr (IVV, 37.4%), Ishares Tr (IEFA, 13.0%), Invesco Exch Traded Fd Tr II (SPMO, 9.8%). A portfolio copying its top holdings returned 16.1% a year over the last 3 years, against 21.8% for the S&P 500.

Bull Oak Capital, LLC holdings all 39 positions.

Weights are shares of the filer's total reported 13F value, compared with Q2 2026. Share changes may reflect splits; weight changes also reflect price moves. A 13F shows long US-listed positions only, up to 135 days after the fact.

Bull Oak Capital, LLC 13F holdings
Stock	% of 13F value	Q2 2026	Shares	Share change	Reported value
IVVIshares Tr	37.4%	36.1%	149,357	+3.3%	$114.4M
IEFAIshares Tr	13.0%	13.0%	411,244	+2.0%	$39.8M
SPMOInvesco Exch Traded Fd Tr II	9.8%	10.2%	197,101	+4.3%	$29.9M
SHVIshares Tr	9.1%	9.3%	252,427	+0.2%	$27.8M
AVUSAvantis U.S. Equity ETF	4.2%	4.3%	101,101	-0.5%	$12.9M
SPLGSpdr Series Trust	3.3%	3.4%	113,705	-1.8%	$10.2M
AVDVAmerican Centy ETF Tr	2.8%	2.6%	78,269	+1.7%	$8.6M
SGOVIshares Tr	2.6%	3.5%	79,564	-23.9%	$8.0M
IAUIshares Gold Tr	2.5%	2.5%	99,973	+2.4%	$7.8M
AVUVAmerican Centy ETF Tr	2.5%	2.6%	63,691	+2.7%	$7.5M
BSVVanguard Bd Index Fds	2.0%	2.1%	81,148	-0.6%	$6.2M
IBITIshares Bitcoin Trust ETF	1.5%	1.1%	100,138	-0.6%	$4.7M
GOVTIshares Tr	1.3%	1.4%	184,737	-0.2%	$4.0M
SPABSpdr Series Trust	1.3%	1.4%	164,243	-2.1%	$4.0M
SCHXSchwab Strategic Tr	0.8%	0.8%	82,546	-2.3%	$2.5M
VTIVanguard Index Fds	0.8%	0.8%	6,528	-2.9%	$2.4M
VOVanguard Index Fds	0.8%	0.9%	29,455	-14.6%	$2.3M
VUGVanguard Index Fds	0.5%	0.5%	17,886	+0.0%	$1.6M
VTVVanguard Index Fds	0.4%	0.4%	5,606	+0.0%	$1.2M
AAPLApple Inc	0.4%	0.3%	3,285	+0.1%	$1.1M
VOOVanguard Index Fds	0.3%	0.1%	1,448	+236.0%	$1.0M
MSFTMicrosoft Corp	0.3%	0.2%	1,774	+0.0%	$910K
QCOMQualcomm Inc	0.3%	0.3%	4,518	+0.0%	$831K
SPYState Str Spdr S&p 500 ETF T	0.3%	0.3%	1,020	+0.0%	$778K
PGProcter & Gamble Co	0.2%	0.2%	4,798	+0.0%	$697K
WFCWells Fargo & Co	0.2%	0.2%	7,359	+0.0%	$589K
XOMExxonmobil Holdings Corp	0.2%	New	3,482	—	$567K
DFUVDimensional ETF Trust	0.1%	0.1%	7,864	+0.0%	$433K
QQQInvesco Qqq Tr	0.1%	0.1%	523	+0.0%	$387K
TRVTravelers Companies Inc	0.1%	0.1%	1,078	+0.0%	$384K
NVDANvidia Corporation	0.1%	0.1%	1,645	+0.0%	$376K
GOOGLAlphabet Inc	0.1%	0.1%	1,038	+0.0%	$357K
SRESempra	0.1%	0.1%	3,978	+0.0%	$310K
VGTVanguard World Fd	0.1%	0.1%	2,184	+0.0%	$274K
DFUSDimensional ETF Trust	0.1%	0.1%	3,079	+0.0%	$256K
SCHDSchwab Strategic Tr	0.1%	0.1%	7,173	+0.0%	$233K
ADBEAdobe Inc	0.1%	New	952	—	$228K
PEPPepsico Inc	0.1%	0.1%	1,739	+0.0%	$220K
JPMJpmorgan Chase & Co	0.1%	0.1%	633	+0.0%	$209K

What Bull Oak Capital, LLC bought and sold in Q3 2026, against Q2 2026.

Sold out

Share counts compared with the Q2 2026 13F; a split also changes share counts.

How the holdings did against the S&P 500.

1 year: +16.2% /yr; S&P 500 +20.1%
3 years: +16.1% /yr; S&P 500 +21.8%
5 years: —

A portfolio of the filer's 20 largest 13F positions, weighted by value, bought the trading day after each 13F was filed and held until the next one was: what copying this filer could have earned. 13Fs show long US-listed positions only, so this is an estimate of the stock picks, not the fund's reported returns.

Reported 13F value by quarter.

13F value by quarter
Quarter	13F value	Positions
Q3 2026	$306.2M	39
Q2 2026	$300.2M	40
Q1 2026	$260.2M	38
Q4 2025	$244.8M	36
Q3 2025	$235.4M	32
Q2 2025	$219.5M	32
Q1 2025	$183.4M	23
Q4 2024	$179.8M	26
Q3 2024	$174.1M	124
Q2 2024	$155.3M	45
Q1 2024	$149.2M	38
Q4 2023	$388.9M	40

Questions about Bull Oak Capital, LLC's portfolio

What stocks does Bull Oak Capital, LLC own?

Bull Oak Capital, LLC's latest 13F, for Q3 2026 and filed Oct 23, 2026, lists 39 positions worth $306.2M. The largest are Ishares Tr (IVV) at 37.4%, Ishares Tr (IEFA) at 13.0%, Invesco Exch Traded Fd Tr II (SPMO) at 9.8%, Ishares Tr (SHV) at 9.1% and Avantis U.S. Equity ETF (AVUS) at 4.2%.

What did Bull Oak Capital, LLC buy last quarter?

In Q3 2026, Bull Oak Capital, LLC added a new position in Exxonmobil Holdings Corp (XOM), a new position in Adobe Inc (ADBE) and Vanguard Index Fds (VOO) (+236.0% shares), compared with its Q2 2026 filing.

What did Bull Oak Capital, LLC sell last quarter?

In Q3 2026, Bull Oak Capital, LLC sold all of Exxon Mobil Corp (XOM), sold all of Oklo Inc (OKLO), sold all of Vanguard Index Fds (VBR), Ishares Tr (SGOV) (-23.9% shares) and Vanguard Index Fds (VO) (-14.6% shares), compared with its Q2 2026 filing.

How has Bull Oak Capital, LLC's portfolio performed?

A portfolio copying Bull Oak Capital, LLC's 20 largest 13F holdings each quarter, from the day each filing was public, returned +16.1% a year over the last 3 years, against +21.8% for the S&P 500. Over 1 year: +16.2% against +20.1%.

When is Bull Oak Capital, LLC's next 13F filing due?

13F filings are due 45 days after each quarter ends. Bull Oak Capital, LLC's filing for the quarter ending Dec 31, 2026 is due by Feb 14, 2027; this page updates the day after it is published.

How much money does Bull Oak Capital, LLC manage?

Bull Oak Capital, LLC reported $261.6M of regulatory assets under management on its latest SEC Form ADV. Its 13F, which covers only US-listed stocks and options, totals $306.2M.