Q2 2026 13F · SEC CIK 1737112

Lutz Financial Services LLC

Wealth managerFiled 2026-08-05 for Q2 2026. Open the filing ↗ · All SEC filings ↗

Reported 13F value: $1.6B
Reported positions: 112
Top holdings a year, 3 yrs: +9.7%
Assets under management: $3.2B

Lutz Financial Services LLC is a wealth manager that reported 112 positions worth $1.6B in its Q2 2026 13F, filed 2026-08-05. Its largest holdings were Vanguard S&p 500 ETF (VOO, 10.7%), Spdr Series Trust (SPYV, 9.2%), Ishares Tr (IJH, 7.6%). A portfolio copying its top holdings returned 9.7% a year over the last 3 years, against 20.4% for the S&P 500.

Lutz Financial Services LLC holdings largest 50 of 112 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.

Lutz Financial Services LLC 13F holdings
Stock	% of 13F value	Q1 2026	Shares	Share change	Reported value
VOOVanguard S&p 500 ETF	10.7%	10.1%	256,299	+1.7%	$176.0M
SPYVSpdr Series Trust	9.2%	9.3%	2,496,836	+2.6%	$151.8M
IJHIshares Tr	7.6%	7.3%	1,615,391	+1.1%	$124.6M
BNDVanguard Total Bond Market ETF	6.6%	7.1%	1,478,462	+3.3%	$108.5M
VTEBVanguard Tx Ex Bd	5.1%	5.3%	1,663,916	+6.0%	$84.2M
MDYVSpdr Series Trust	4.8%	4.6%	829,586	+2.9%	$78.7M
VCSHVanguard Scottsdale Fds	4.3%	4.6%	901,823	+4.7%	$71.3M
SCHPSchwab Strategic Tr	3.9%	4.2%	2,445,014	+4.4%	$64.8M
MBBIshares Tr	3.8%	4.0%	658,034	+4.1%	$62.2M
SPYSpdr S&p 500 ETF Tr	3.0%	2.9%	65,867	-0.5%	$49.2M
DFACDimensional U.s. Core Equity 2	2.5%	2.4%	928,322	+0.9%	$41.2M
MUBIshares National Muni Bond ETF	2.3%	2.5%	357,361	+1.2%	$38.5M
DFICDfa Dimensional Intl Core Equit	1.9%	1.9%	833,294	+5.4%	$31.0M
IJRIshares Core S&p Small Cap ETF	1.8%	1.6%	194,808	+1.5%	$28.9M
SCHXSchwab Stratgc Tr	1.6%	1.5%	902,154	+1.3%	$26.6M
DUHPDimensional ETF Trust	1.5%	1.4%	609,075	+5.3%	$25.4M
IGSBIshares 1-3 Yr Credit Bond ETF	1.5%	1.7%	478,615	+0.7%	$25.1M
SCHMSchwab Strategic Tr	1.5%	1.4%	672,364	-0.9%	$24.8M
IVEIshares S&p 500 Value ETF	1.4%	1.5%	104,312	-1.1%	$23.7M
BSVVanguard Bd Index Fds Vanguard Short Ter	1.3%	1.4%	274,930	+4.1%	$21.4M
AGGIshares Tr	1.3%	1.4%	208,958	-0.1%	$20.7M
DFASDimensional ETF Trust	1.2%	1.1%	238,326	-0.2%	$19.6M
VTVVanguard Value ETF	1.1%	1.1%	84,845	+0.0%	$18.5M
QUALIshares Msci USA Quality Factor ETF	1.1%	1.0%	80,645	-0.3%	$17.7M
IVVIshares Core S&p 500 ETF	1.1%	1.0%	23,501	-1.1%	$17.6M
VOEVanguard Index Fds	1.1%	1.1%	88,896	-0.9%	$17.6M
IJJiShares S&P Midcap 400 Value	1.1%	1.1%	118,338	-0.4%	$17.5M
VOOVVanguard S&P 500 Value ETF Total	1.0%	1.0%	71,734	-0.8%	$15.7M
AVUVAvantis US Small Cap Value ETF	0.9%	0.9%	122,961	+3.8%	$15.3M
SLYVSpdr Series Trust	0.9%	0.9%	136,271	-1.6%	$14.9M
TIPiShares TIPS Bond ETF	0.9%	1.0%	129,565	-0.7%	$14.2M
SCHASchwab U.s. Small-Cap ETF	0.9%	0.8%	390,473	-1.5%	$14.1M
IVOVVanguard	0.8%	0.8%	114,034	-0.7%	$13.0M
AVDEAvantis International Equity ETF	0.8%	0.8%	144,861	-1.9%	$12.9M
MDYState Street Spdr S&p Midcap 400 ETF Tru	0.8%	0.8%	18,176	-0.1%	$12.8M
IUSVIshares Tr	0.7%	0.8%	110,245	-1.2%	$12.1M
DFATDimensional U.s. Targeted Value	0.6%	0.6%	148,452	-0.7%	$10.4M
DFEMDimensional	0.6%	0.6%	254,366	+3.5%	$10.3M
STIPIshares Tr	0.6%	0.6%	91,521	+2.4%	$9.3M
DFUVDimensional U.s. Marketwide Val	0.5%	0.5%	148,278	-1.5%	$8.2M
IEMGIshares	0.4%	0.4%	88,309	-0.7%	$7.3M
SUBIshares Tr	0.4%	0.4%	55,231	-3.7%	$5.9M
VBRVanguard Small Cap Value ETF	0.4%	0.4%	23,984	-0.2%	$5.8M
IJSIShares S&P Small Cap 600 Value	0.4%	0.3%	42,637	+0.7%	$5.8M
IWVIshares Russell 3000 Index	0.3%	0.3%	11,854	+0.0%	$5.1M
VWOVanguard Intl Equity Index F	0.3%	0.3%	77,894	+0.1%	$4.6M
ISTBIshares Tr	0.3%	0.3%	96,229	+1.4%	$4.6M
STPZPimco ETF Tr	0.2%	0.3%	76,584	+0.0%	$4.1M
VTIPVanguard Malvern Fds	0.2%	0.3%	72,601	-4.0%	$3.6M
IWBIshares Russell 1000 ETF	0.2%	0.2%	6,880	-3.9%	$2.8M

What Lutz Financial Services 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

VTEB Vanguard Tx Ex Bd+6.0% shares
DFIC Dfa Dimensional Intl Core Equit+5.4% shares
DUHP Dimensional ETF Trust+5.3% shares

Reduced

No position shrank by more than 5%.

Left the top 50

No position left the top 50.

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: +11.6% /yr; S&P 500 +20.1%
3 years: +9.7% /yr; S&P 500 +20.4%
5 years: +4.7% /yr; S&P 500 +11.6%

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	$1.6B	112
Q1 2026	$1.5B	100
Q4 2025	$1.5B	102
Q3 2025	$1.4B	96
Q2 2025	$1.3B	97
Q1 2025	$1.2B	95
Q4 2024	$1.2B	92
Q3 2024	$1.2B	87
Q2 2024	$1.1B	87
Q1 2024	$1.1B	86
Q4 2023	$1.1B	84
Q3 2023	$918.2M	81

Questions about Lutz Financial Services LLC's portfolio

What stocks does Lutz Financial Services LLC own?

Lutz Financial Services LLC's latest 13F, for Q2 2026 and filed Aug 5, 2026, lists 112 positions worth $1.6B. The largest are Vanguard S&p 500 ETF (VOO) at 10.7%, Spdr Series Trust (SPYV) at 9.2%, Ishares Tr (IJH) at 7.6%, Vanguard Total Bond Market ETF (BND) at 6.6% and Vanguard Tx Ex Bd (VTEB) at 5.1%.

What did Lutz Financial Services LLC buy last quarter?

In Q2 2026, Lutz Financial Services LLC added Vanguard Tx Ex Bd (VTEB) (+6.0% shares), Dfa Dimensional Intl Core Equit (DFIC) (+5.4% shares) and Dimensional ETF Trust (DUHP) (+5.3% shares), compared with its Q1 2026 filing.

What did Lutz Financial Services LLC sell last quarter?

Lutz Financial Services LLC sold out of nothing and cut no large position by more than 5% in Q2 2026.

How has Lutz Financial Services LLC's portfolio performed?

A portfolio copying Lutz Financial Services LLC's 20 largest 13F holdings each quarter, from the day each filing was public, returned +9.7% a year over the last 3 years, against +20.4% for the S&P 500. Over 1 year: +11.6% against +20.1%. Over 5 years: +4.7% a year against +11.6%.

When is Lutz Financial Services LLC's next 13F filing due?

13F filings are due 45 days after each quarter ends. Lutz Financial Services 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 Lutz Financial Services LLC manage?

Lutz Financial Services LLC reported $3.2B of regulatory assets under management on its latest SEC Form ADV. Its 13F, which covers only US-listed stocks and options, totals $1.6B.