Q2 2026 13F · SEC CIK 2118380

Downshift Financial, LLC

Wealth managerFiled 2026-08-13 for Q2 2026. Open the filing ↗ · All SEC filings ↗

Reported 13F value: $220.3M
Reported positions: 660
Holdings vs S&P 500, 3 yrs: —
Assets under management: $214.7M

Downshift Financial, LLC is a wealth manager that reported 660 positions worth $220.3M in its Q2 2026 13F, filed 2026-08-13. Its largest holdings were Schwb US Broad (SCHB, 11.9%), Schwab Intl Equity (SCHF, 10.1%), Vanguard Index Fds (VTI, 8.6%).

Downshift Financial, LLC holdings largest 50 of 660 positions.

Weights are shares of the filer's total reported 13F value, compared with Q1 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.

Downshift Financial, LLC 13F holdings
Stock	% of 13F value	Q1 2026	Shares	Share change	Reported value
SCHBSchwb US Broad	11.9%	9.9%	908,685	+29.7%	$26.3M
SCHFSchwab Intl Equity	10.1%	10.1%	804,823	+8.3%	$22.3M
VTIVanguard Index Fds	8.6%	8.9%	51,044	+3.7%	$18.9M
SCHRSchwab Inter Tsy	8.1%	8.7%	726,438	+7.1%	$17.9M
SCHXSchwab Stratgc Tr	7.4%	9.6%	555,541	-15.9%	$16.3M
VVVanguard Inx Lrg	4.9%	5.3%	31,347	+0.1%	$10.8M
VXUSVanguard Star Fds Vanguard Total Intl St	4.3%	4.5%	110,746	+3.8%	$9.5M
SCHMSchwab Strategic Tr	2.7%	3.3%	159,804	-17.9%	$5.9M
SPLGSpdr Series Trust	2.6%	2.8%	65,506	+2.3%	$5.8M
VGITVanguard Intermediate Treasury ETF	2.4%	3.4%	91,481	-17.4%	$5.4M
IXUSIshares Core Msci Total International St	2.2%	2.4%	51,274	+1.4%	$4.9M
SPTIState Street ETF/USA	2.0%	1.5%	158,490	+59.8%	$4.5M
SPDWSPDR Portfolio Developed World	1.8%	1.9%	80,647	+3.6%	$4.1M
SCHGSchwab U.s. Large-Cap Growth ETF	1.6%	1.8%	106,320	-0.3%	$3.6M
VOVanguard Index Fds	1.6%	1.7%	43,857	+0.1%	$3.5M
SCHASchwab U.s. Small-Cap ETF	1.6%	1.9%	96,403	-15.7%	$3.5M
VOOVanguard S&p 500 ETF	1.5%	1.7%	4,924	-1.7%	$3.4M
NVDANvidia Corporation Com	1.2%	1.4%	12,875	+0.0%	$2.6M
IVVIshares Core S&p 500 ETF	1.1%	1.2%	3,343	+0.2%	$2.5M
VEAVanguard Tax-Managed Fds	1.1%	1.3%	34,709	-3.0%	$2.5M
AAUAEa Series Trust	0.9%	—	35,307	—	$2.0M
SPMDSpdr Series Trust	0.9%	0.9%	28,928	+2.1%	$2.0M
VBVanguard Indx Fd	0.9%	0.9%	6,187	-0.8%	$1.9M
VTVanguard Total World Stock Index Fund Et	0.8%	—	11,468	—	$1.8M
VTVVanguard Value ETF	0.6%	0.6%	6,053	+0.3%	$1.3M
VWOVanguard Intl Equity Index F	0.5%	0.6%	18,282	-1.3%	$1.1M
ITOTIshares Total US Stock Market ETF	0.5%	0.5%	6,298	+0.0%	$1.0M
SPTSSpdr Series Trust	0.4%	0.5%	32,799	+0.0%	$952K
SPSMSpdr Series Trust	0.4%	0.5%	16,427	-1.3%	$947K
VUGVanguard Indx Fd	0.4%	0.4%	10,712	+5.5%	$923K
VONEVanguard Scottsdale Fds	0.4%	0.4%	2,633	+0.0%	$892K
SCHOSchwab Short-Term U.S. Treasury ETF	0.4%	0.4%	36,519	+2.8%	$882K
VBRVanguard Small Cap Value ETF	0.3%	0.4%	3,106	+0.3%	$755K
FNDFSchwab Strategic Tr	0.3%	0.4%	13,720	+0.0%	$724K
SCHQSchwab Strategic Tr	0.3%	0.3%	23,079	+9.6%	$722K
MUBIshares National Muni Bond ETF	0.3%	0.4%	6,362	+0.0%	$685K
GOVTIshares Tr	0.3%	0.3%	27,389	-2.2%	$624K
GOOGLAlphabet Inc	0.3%	0.3%	1,732	+0.0%	$619K
AAPLApple Inc	0.3%	0.3%	2,113	+0.0%	$611K
GOOGAlphabet Inc	0.3%	0.3%	1,671	-13.1%	$590K
BALLBall Corp	0.3%	0.3%	9,265	+0.0%	$578K
SCHDSchwab Strategic Tr	0.3%	0.3%	17,896	-0.4%	$567K
IJHIshares Tr	0.2%	0.3%	7,074	-0.2%	$545K
CRDOCredo Technology Group Holdi	0.2%	—	2,000	—	$544K
SCHZSchwab Strategic Tr	0.2%	0.3%	22,873	+0.0%	$529K
ESGVVanguard World Fd	0.2%	0.2%	3,786	+0.2%	$501K
IEFAIshares Core Msci Eafe ETF	0.2%	0.2%	4,989	+0.0%	$482K
TSLATesla Inc Com	0.2%	0.2%	1,104	+0.0%	$464K
IJRIshares Core S&p Small Cap ETF	0.2%	—	3,003	—	$445K
QQQInvesco Qqq Tr	0.2%	—	595	—	$438K

What Downshift Financial, LLC bought and sold in Q2 2026, against Q1 2026.

New positions

Q1 2026's filing was too long to tell new positions apart.

Added to

Reduced

SCHM Schwab Strategic Tr-17.9% shares
VGIT Vanguard Intermediate Treasury ETF-17.4% shares
SCHX Schwab Stratgc Tr-15.9% shares
SCHA Schwab U.s. Small-Cap ETF-15.7% shares
GOOG Alphabet Inc-13.1% shares

Left the top 50

AAUS Ea Series Trustwas 1.0%
MSFT Microsoft Corpwas 0.3%
SGOV iShares 0-3 Month Treasury Bonwas 0.2%
VXF Vanguard Index Fdswas 0.2%
SCHP Schwab Strategic Trwas 0.2%

Share counts compared with the Q1 2026 13F; a split also changes share counts. The latest filing lists more than 50 positions, so a position that left the top 50 may still be held.

How the holdings did against the S&P 500.

1 year: —
3 years: —
5 years: —

A portfolio of the filer's 20 largest 13F positions, weighted by value and rebuilt each quarter on the day the filing became public. 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
Q2 2026	$220.3M	660
Q1 2026	$193.2M	77
Q4 2025	$162.2M	68

Questions about Downshift Financial, LLC's portfolio

What stocks does Downshift Financial, LLC own?

Downshift Financial, LLC's latest 13F, for Q2 2026 and filed Aug 13, 2026, lists 660 positions worth $220.3M. The largest are Schwb US Broad (SCHB) at 11.9%, Schwab Intl Equity (SCHF) at 10.1%, Vanguard Index Fds (VTI) at 8.6%, Schwab Inter Tsy (SCHR) at 8.1% and Schwab Stratgc Tr (SCHX) at 7.4%.

What did Downshift Financial, LLC buy last quarter?

In Q2 2026, Downshift Financial, LLC added State Street ETF/USA (SPTI) (+59.8% shares), Schwb US Broad (SCHB) (+29.7% shares) and Schwab Strategic Tr (SCHQ) (+9.6% shares), compared with its Q1 2026 filing.

What did Downshift Financial, LLC sell last quarter?

In Q2 2026, Downshift Financial, LLC cut from its top 50 Ea Series Trust (AAUS), cut from its top 50 Microsoft Corp (MSFT), cut from its top 50 iShares 0-3 Month Treasury Bon (SGOV), cut from its top 50 Vanguard Index Fds (VXF), cut from its top 50 Schwab Strategic Tr (SCHP), Schwab Strategic Tr (SCHM) (-17.9% shares), Vanguard Intermediate Treasury ETF (VGIT) (-17.4% shares) and Schwab Stratgc Tr (SCHX) (-15.9% shares), compared with its Q1 2026 filing.

When is Downshift Financial, LLC's next 13F filing due?

13F filings are due 45 days after each quarter ends. Downshift Financial, LLC's filing for the quarter ending Sep 30, 2026 is due by Nov 14, 2026; this page updates the day after it is published.

How much money does Downshift Financial, LLC manage?

Downshift Financial, LLC reported $214.7M of regulatory assets under management on its latest SEC Form ADV. Its 13F, which covers only US-listed stocks and options, totals $220.3M.