Q3 2026 13F · SEC CIK 1624510

Financial Consulate, Inc

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

Reported 13F value: $898.8M
Reported positions: 1,896
Top holdings a year, 3 yrs: +15.1%
Assets under management: $1.1B

Financial Consulate, Inc is a wealth manager that reported 1,896 positions worth $898.8M in its Q3 2026 13F, filed 2026-10-23. Its largest holdings were Schwab Strategic Tr (SCHX, 17.5%), Dfa Invt Dimensions Group in (DUHP, 9.8%), Pimco Equity Ser (MFDX, 7.8%). A portfolio copying its top holdings returned 15.1% a year over the last 3 years, against 20.4% for the S&P 500.

Financial Consulate, Inc holdings largest 50 of 1,896 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.

Financial Consulate, Inc 13F holdings
Stock	% of 13F value	Q2 2026	Shares	Share change	Reported value
SCHXSchwab Strategic Tr	17.5%	17.3%	5,233,659	-0.6%	$157.0M
DUHPDfa Invt Dimensions Group in	9.8%	—	2,094,789	—	$87.8M
MFDXPimco Equity Ser	7.8%	7.9%	1,694,433	-0.6%	$70.2M
SCHFSchwab Strategic Tr	5.9%	5.9%	1,933,944	+0.6%	$53.1M
DIHPDimensional International High Profitabi	4.9%	4.9%	1,299,895	-0.1%	$43.8M
SHVIshares Tr	4.3%	4.3%	353,376	+1.6%	$39.0M
VTIPVanguard Malvern Fds	4.1%	4.1%	749,383	+1.4%	$36.9M
DFASDimensional ETF Trust	3.7%	4.0%	429,447	-0.8%	$33.2M
FNDBSchwab Strategic Tr	3.7%	3.7%	1,074,915	-0.3%	$32.9M
SHYIshares Tr	3.0%	3.0%	333,525	+1.5%	$27.1M
AAPLApple Inc	2.8%	2.4%	75,807	-0.3%	$25.2M
FLQMFranklin Templeton ETF Tr	2.4%	2.4%	377,402	-0.5%	$21.7M
PULSPgim ETF Tr	2.4%	2.4%	432,483	+1.2%	$21.4M
FNDESchwab Strategic Tr	2.2%	2.1%	476,682	+0.6%	$20.0M
TCAFT Rowe Price Exchange-Traded	2.1%	2.1%	450,952	-1.2%	$19.1M
MFUSPimco Equity Ser	2.0%	2.1%	272,172	-1.4%	$17.6M
SCHDSchwab Strategic Tr	1.5%	1.5%	427,048	+0.1%	$13.9M
FNDFSchwab Strategic Tr	1.5%	1.5%	243,215	-1.9%	$13.1M
GMFSpdr Index Shs Fds	1.2%	1.2%	66,602	-0.9%	$10.4M
MKCMccormick & Co Inc	0.9%	1.0%	179,810	-0.1%	$8.3M
NVDANvidia Corporation	0.7%	0.6%	28,576	-1.0%	$6.5M
TXG10x Genomics Inc	0.7%	0.5%	67,239	-46.8%	$6.1M
VOOVanguard Index Fds	0.5%	0.5%	6,200	-3.0%	$4.3M
MSFTMicrosoft Corp	0.5%	0.3%	8,012	-0.1%	$4.1M
PATKPatrick Inds Inc	0.4%	0.5%	52,648	+0.0%	$3.6M
SCHBSchwab Strategic Tr	0.4%	0.4%	109,971	-3.9%	$3.2M
DFATDimensional ETF Trust	0.3%	0.3%	45,387	+3.0%	$3.0M
IVVIshares Tr	0.3%	0.3%	3,807	-3.2%	$2.9M
AMZNAmazon Com Inc	0.3%	0.3%	11,304	-1.0%	$2.8M
PNCPnc Finl Svcs Group Inc	0.3%	0.3%	12,369	+0.0%	$2.7M
GOOGAlphabet Inc	0.3%	0.3%	7,799	+0.6%	$2.7M
SPGMSpdr Index Shs Fds	0.2%	0.2%	25,308	-2.6%	$2.2M
GOOGLAlphabet Inc	0.2%	0.3%	6,269	-13.6%	$2.2M
VGTVanguard World Fd	0.2%	0.2%	15,049	-8.7%	$1.9M
CATCaterpillar Inc	0.2%	0.3%	2,288	-2.0%	$1.9M
LMTLockheed Martin Corp	0.2%	0.2%	3,277	-2.5%	$1.7M
HPEHewlett Packard Enterprise C	0.2%	0.1%	24,476	-7.0%	$1.6M
SCHGSchwab Strategic Tr	0.2%	0.2%	43,219	-18.7%	$1.6M
LLYEli Lilly & Co	0.2%	0.2%	1,249	+1.4%	$1.4M
RTXRtx Corporation	0.2%	0.2%	7,391	+0.7%	$1.4M
JPMJpmorgan Chase & Co	0.1%	0.1%	4,068	+0.1%	$1.3M
XOMExxonmobil Holdings Corp	0.1%	—	7,809	—	$1.3M
ITOTIshares Tr	0.1%	0.1%	7,290	+0.0%	$1.2M
MAMastercard Incorporated	0.1%	0.1%	2,172	-3.4%	$1.2M
CWISpdr Index Shs Fds	0.1%	0.1%	29,577	-0.3%	$1.2M
MRKMerck & Co Inc	0.1%	—	7,974	—	$1.2M
COSTCostco Wholesale Corporation	0.1%	0.1%	1,258	+1.6%	$1.1M
MUMicron Technology Inc	0.1%	0.1%	1,072	+2.6%	$1.1M
86800UAB0Super Micro Computer Inc	0.1%	—	1,101,000	—	$1.1M
SCHWCharles Schwab Corp (the)	0.1%	—	11,018	—	$1.1M

What Financial Consulate, Inc bought and sold in Q3 2026, against Q2 2026.

New positions

Q2 2026's filing was too long to tell new positions apart.

Added to

No position grew by more than 5%.

Reduced

TXG 10x Genomics Inc-46.8% shares
SCHG Schwab Strategic Tr-18.7% shares
GOOGL Alphabet Inc-13.6% shares
VGT Vanguard World Fd-8.7% shares
HPE Hewlett Packard Enterprise C-7.0% shares

Left the top 50

DUHP Dimensional ETF Trustwas 9.8%
TSLA Tesla Incwas 0.1%
BRK-B Berkshire Hathaway Inc Delwas 0.1%
PG Procter & Gamble Cowas 0.1%
UPS United Parcel Svcs Incwas 0.1%

Share counts compared with the Q2 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: +16.6% /yr; S&P 500 +20.1%
3 years: +15.1% /yr; S&P 500 +20.4%
5 years: +4.8% /yr; S&P 500 +11.6%

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	$898.8M	1,896
Q2 2026	$898.5M	1,448
Q1 2026	$802.6M	1,401
Q4 2025	$731.4M	1,338
Q3 2025	$708.2M	1,152
Q2 2025	$506.5M	37
Q1 2025	$396.2M	26
Q4 2024	$377.1M	31
Q3 2024	$376.5M	34
Q2 2024	$341.2M	35
Q1 2024	$338.4M	40
Q4 2023	$304.1M	36

Questions about Financial Consulate, Inc's portfolio

What stocks does Financial Consulate, Inc own?

Financial Consulate, Inc's latest 13F, for Q3 2026 and filed Oct 23, 2026, lists 1,896 positions worth $898.8M. The largest are Schwab Strategic Tr (SCHX) at 17.5%, Dfa Invt Dimensions Group in (DUHP) at 9.8%, Pimco Equity Ser (MFDX) at 7.8%, Schwab Strategic Tr (SCHF) at 5.9% and Dimensional International High Profitabi (DIHP) at 4.9%.

What did Financial Consulate, Inc buy last quarter?

Financial Consulate, Inc opened no new positions and grew none by more than 5% among its largest holdings in Q3 2026.

What did Financial Consulate, Inc sell last quarter?

In Q3 2026, Financial Consulate, Inc cut from its top 50 Dimensional ETF Trust (DUHP), cut from its top 50 Tesla Inc (TSLA), cut from its top 50 Berkshire Hathaway Inc Del (BRK-B), cut from its top 50 Procter & Gamble Co (PG), cut from its top 50 United Parcel Svcs Inc (UPS), 10x Genomics Inc (TXG) (-46.8% shares), Schwab Strategic Tr (SCHG) (-18.7% shares) and Alphabet Inc (GOOGL) (-13.6% shares), compared with its Q2 2026 filing.

How has Financial Consulate, Inc's portfolio performed?

A portfolio copying Financial Consulate, Inc's 20 largest 13F holdings each quarter, from the day each filing was public, returned +15.1% a year over the last 3 years, against +20.4% for the S&P 500. Over 1 year: +16.6% against +20.1%. Over 5 years: +4.8% a year against +11.6%.

When is Financial Consulate, Inc's next 13F filing due?

13F filings are due 45 days after each quarter ends. Financial Consulate, Inc'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 Financial Consulate, Inc manage?

Financial Consulate, Inc reported $1.1B of regulatory assets under management on its latest SEC Form ADV. Its 13F, which covers only US-listed stocks and options, totals $898.8M.