BLUESTEM FINANCIAL ADVISORS, LLC

All Holdings — 2025 Q4

AI Portfolio Summary
In 2025 Q4, BLUESTEM FINANCIAL ADVISORS, LLC maintained a portfolio of 30 distinct positions. The most significant new addition to the portfolio was VANGUARD INDEX FDS, which now represents 0.22% of the total fund value. They heavily accumulated shares in VANGUARD BD INDEX FD, increasing their position by 0.9%. The fund also reduced its exposure to MICROSOFT CORP by 7.2%.
PCA Score Concentration Risk
Risk ENB
Total Positions
30
Quarter
2025 Q4
Top Holding
BND (21.3%)
Top 10 Concentration
83.6%
Turnover Rate
23.4%
Sector HHI
0.18
Items per page:
1-25 of 30
Stock History Sector / Type Port % Prev % Rank / Prev Conviction Change % Change Influence Shares Mkt Value Avg Cost Price Held 1st Owned Source Source Date Date Reported
BND
VANGUARD BD IND...
ETF 21.32% 21.50% #1
Prev: #1
6.5 6,355 0.9%
P
S
745,166 $55,194,426 2020 Q2 13F Filing 2025-12-31 2026-02-14 (Est.)
IVV
ISHARES TR
ETF 21.13% 21.18% #2
Prev: #2
6.0 -994 -1.2%
P
S
79,848 $54,691,056 2020 Q2 13F Filing 2025-12-31 2026-02-14 (Est.)
VEU
VANGUARD INTL E...
ETF 12.21% 11.97% #3 1
Prev: #4
5.5 904 0.2%
P
S
429,601 $31,601,432 2020 Q2 13F Filing 2025-12-31 2026-02-14 (Est.)
VB
VANGUARD INDEX ...
ETF 12.07% 12.04% #4 1
Prev: #3
5.0 54 0.0%
P
S
121,099 $31,237,497 2020 Q2 13F Filing 2025-12-31 2026-02-14 (Est.)
VNQ
VANGUARD INDEX ...
ETF 5.32% 5.57% #5
Prev: #5
3.1 153 0.1%
P
S
155,732 $13,780,754 2020 Q2 13F Filing 2025-12-31 2026-02-14 (Est.)
EAGG
ISHARES TR
ETF 2.57% 2.63% #6
Prev: #6
1.5 -987 -0.7%
P
S
139,044 $6,653,278 2022 Q2 13F Filing 2025-12-31 2026-02-14 (Est.)
BSV
VANGUARD BD IND...
Bond/Debt 2.49% 2.53% #7
Prev: #7
1.5 -222 -0.3%
P
S
81,722 $6,440,520 2020 Q2 13F Filing 2025-12-31 2026-02-14 (Est.)
SUSL
ISHARES TR
ETF 2.30% 2.25% #8
Prev: #8
1.4 -45 -0.1%
P
S
49,132 $5,958,084 2020 Q3 13F Filing 2025-12-31 2026-02-14 (Est.)
VEA
VANGUARD TAX-MA...
ETF 2.14% 2.09% #9
Prev: #9
1.4 -368 -0.4%
P
S
88,788 $5,546,592 2020 Q2 13F Filing 2025-12-31 2026-02-14 (Est.)
VTI
VANGUARD INDEX ...
ETF 2.03% 1.95% #10 1
Prev: #11
1.3 466 3.1%
P
S
15,665 $5,252,091 2020 Q2 13F Filing 2025-12-31 2026-02-14 (Est.)
ISTB
ISHARES TR
ETF 2.01% 2.01% #11 1
Prev: #10
1.3 1,119 1.1%
P
S
106,475 $5,190,679 2022 Q1 13F Filing 2025-12-31 2026-02-14 (Est.)
ESML
ISHARES TR
ETF 1.75% 1.72% #12 1
Prev: #13
1.2 1,239 1.3%
P
S
98,673 $4,536,962 2020 Q3 13F Filing 2025-12-31 2026-02-14 (Est.)
AGG
ISHARES TR
ETF 1.69% 1.76% #13 1
Prev: #12
1.2 -1,128 -2.5%
P
S
43,820 $4,376,714 2020 Q2 13F Filing 2025-12-31 2026-02-14 (Est.)
VSGX
VANGUARD WORLD ...
Bond/Debt 1.61% 1.56% #14
Prev: #14
1.1 626 1.1%
P
S
58,145 $4,164,350 2020 Q3 13F Filing 2025-12-31 2026-02-14 (Est.)
SPLG
SPDR SERIES TRU...
ETF 1.54% 1.55% #15
Prev: #15
1.1 -724 -1.4%
P
S
49,821 $3,996,659 2020 Q3 13F Filing 2025-12-31 2026-02-14 (Est.)
VOO
VANGUARD INDEX ...
ETF 1.29% 1.26% #16
Prev: #16
1.0 67 1.3%
P
S
5,334 $3,344,870 2025 Q1 13F Filing 2025-12-31 2026-02-14 (Est.)
IJR
ISHARES TR
ETF 1.15% 1.16% #17
Prev: #17
1.0 -260 -1.0%
P
S
24,677 $2,965,670 2020 Q3 13F Filing 2025-12-31 2026-02-14 (Est.)
VV
VANGUARD INDEX ...
ETF 1.01% 1.00% #18
Prev: #18
0.9 -41 -0.5%
P
S
8,272 $2,604,145 2020 Q2 13F Filing 2025-12-31 2026-02-14 (Est.)
VXUS
VANGUARD STAR F...
Bond/Debt 0.93% 0.97% #19
Prev: #19
0.9 -1,841 -5.4%
P
S
32,074 $2,419,672 2022 Q1 13F Filing 2025-12-31 2026-02-14 (Est.)
SCHA
SCHWAB STRATEGI...
ETF 0.86% 0.88% #20
Prev: #20
0.8 -2,947 -3.6%
P
S
77,800 $2,215,757 2023 Q4 13F Filing 2025-12-31 2026-02-14 (Est.)
SUSA
ISHARES TR
ETF 0.57% 0.56% #21
Prev: #21
1.2 no change no change
P
S
10,507 $1,464,148 2020 Q2 13F Filing 2025-12-31 2026-02-14 (Est.)
VO
VANGUARD INDEX ...
ETF 0.43% 0.44% #22
Prev: #22
0.7 58 1.5%
P
S
3,877 $1,125,285 2020 Q2 13F Filing 2025-12-31 2026-02-14 (Est.)
AAPL
APPLE INC
Technology 0.31% 0.24% #23 1
Prev: #24
2.6 501 20.5%
P
S
2,948 $801,493 2020 Q2 13F Filing 2025-12-31 2026-02-14 (Est.)
MSFT
MICROSOFT CORP
Technology 0.30% 0.36% #24 1
Prev: #23
0.6 -126 -7.2%
P
S
1,629 $787,767 2022 Q2 13F Filing 2025-12-31 2026-02-14 (Est.)
VUG
VANGUARD INDEX ...
Warrant 0.22% #25
Prev: #—
3.6 1,170 no change
NEW
1,170 $570,910 2025 Q4 13F Filing 2025-12-31 2026-02-14 (Est.)
Showing 1-25 of 30 holdings

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