AI Portfolio Summary
In 2025 Q4, PENNEY FINANCIAL, LLC maintained a portfolio of 51 distinct positions. They heavily accumulated shares in GOLDMAN SACHS ETF TR, increasing their position by 8.4%. Conversely, PENNEY FINANCIAL, LLC completely exited their position in BLACKROCK ETF TRUST .
Total Positions
51
Quarter
2025 Q4
Top Holding
GSLC (24.1%)
Top 10 Concentration
75.6%
Turnover Rate
23.4%
Sector HHI
0.18
Items per page:
1-25 of 51
| 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 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
|
GSLC
GOLDMAN SACHS E...
|
ETF | 24.14% | 25.43% |
#1
Prev: #1
|
10.0 | 36,749 | 8.4% |
P
S
|
472,644 | $62,563,828 | 2024 Q3 | 13F Filing | 2025-12-31 | 2026-02-14 (Est.) | |||
|
VTI
VANGUARD INDEX ...
|
ETF | 16.05% | 17.41% |
#2
Prev: #2
|
8.4 | 5,619 | 4.7% |
P
S
|
124,072 | $41,597,719 | 2024 Q3 | 13F Filing | 2025-12-31 | 2026-02-14 (Est.) | |||
|
VEA
VANGUARD TAX-MA...
|
ETF | 8.24% | 8.45% |
#3
Prev: #3
|
5.3 | 27,196 | 8.6% |
P
S
|
341,986 | $21,363,886 | 2024 Q3 | 13F Filing | 2025-12-31 | 2026-02-14 (Est.) | |||
|
SGOV
ISHARES TR
|
Bond/Debt | 7.12% | 5.31% |
#4
Prev: #4
|
5.0 | 65,881 | 55.9% |
P
S
|
183,697 | $18,439,505 | 2025 Q2 | 13F Filing | 2025-12-31 | 2026-02-14 (Est.) | |||
|
IEFA
ISHARES TR
|
ETF | 4.54% | 4.63% |
#5
Prev: #5
|
3.9 | 13,159 | 11.1% |
P
S
|
131,595 | $11,772,489 | 2024 Q3 | 13F Filing | 2025-12-31 | 2026-02-14 (Est.) | |||
|
JPIE
J P MORGAN EXCH...
|
ETF | 3.60% | 3.72% |
#6
1
Prev: #7
|
3.5 | 22,269 | 12.4% |
P
S
|
201,316 | $9,318,918 | 2024 Q4 | 13F Filing | 2025-12-31 | 2026-02-14 (Est.) | |||
|
VYM
VANGUARD WHITEH...
|
ETF | 3.37% | 3.59% |
#7
1
Prev: #8
|
3.4 | 3,875 | 6.8% |
P
S
|
60,808 | $8,727,184 | 2024 Q3 | 13F Filing | 2025-12-31 | 2026-02-14 (Est.) | |||
|
SCHD
SCHWAB STRATEGI...
|
ETF | 3.25% | 3.74% |
#8
2
Prev: #6
|
3.3 | 439 | 0.1% |
P
S
|
306,674 | $8,412,066 | 2024 Q3 | 13F Filing | 2025-12-31 | 2026-02-14 (Est.) | |||
|
EVTR
MORGAN STANLEY ...
|
ETF | 2.67% | 2.72% |
#9
Prev: #9
|
3.1 | 16,494 | 14.0% |
P
S
|
134,473 | $6,925,360 | 2025 Q2 | 13F Filing | 2025-12-31 | 2026-02-14 (Est.) | |||
|
VCRB
VANGUARD MALVER...
|
ETF | 2.66% | 2.72% |
#10
Prev: #10
|
3.1 | 11,089 | 14.3% |
P
S
|
88,421 | $6,887,554 | 2025 Q2 | 13F Filing | 2025-12-31 | 2026-02-14 (Est.) | |||
|
FLMI
FRANKLIN TEMPLE...
|
ETF | 2.50% | 0.85% |
#11
9
Prev: #20
|
3.3 | 183,905 | 240.3% |
P
S
|
260,442 | $6,477,193 | 2025 Q3 | 13F Filing | 2025-12-31 | 2026-02-14 (Est.) | |||
|
VB
VANGUARD INDEX ...
|
ETF | 2.45% | 2.63% |
#12
1
Prev: #11
|
3.0 | 1,550 | 6.7% |
P
S
|
24,650 | $6,358,476 | 2024 Q3 | 13F Filing | 2025-12-31 | 2026-02-14 (Est.) | |||
|
JEPI
J P MORGAN EXCH...
|
ETF | 2.16% | 2.31% |
#13
1
Prev: #12
|
2.9 | 7,325 | 8.1% |
P
S
|
97,787 | $5,597,348 | 2024 Q3 | 13F Filing | 2025-12-31 | 2026-02-14 (Est.) | |||
|
CGMU
CAPITAL GRP FIX...
|
ETF | 1.73% | 0.72% |
#14
7
Prev: #21
|
3.0 | 105,319 | 179.2% |
P
S
|
164,085 | $4,492,647 | 2025 Q3 | 13F Filing | 2025-12-31 | 2026-02-14 (Est.) | |||
|
AGG
ISHARES TR
|
ETF | 1.71% | 1.87% |
#15
2
Prev: #13
|
2.7 | 2,743 | 6.6% |
P
S
|
44,448 | $4,439,468 | 2024 Q3 | 13F Filing | 2025-12-31 | 2026-02-14 (Est.) | |||
|
DFNM
DIMENSIONAL ETF...
|
ETF | 1.64% | 0.68% |
#16
6
Prev: #22
|
3.0 | 56,568 | 178.2% |
P
S
|
88,305 | $4,253,652 | 2025 Q3 | 13F Filing | 2025-12-31 | 2026-02-14 (Est.) | |||
|
HELO
J P MORGAN EXCH...
|
Unknown | 1.64% | 1.78% |
#17
3
Prev: #14
|
2.7 | 2,638 | 4.3% |
P
S
|
63,799 | $4,238,168 | 2024 Q3 | 13F Filing | 2025-12-31 | 2026-02-14 (Est.) | |||
|
VTEB
VANGUARD MUN BD...
|
ETF | 1.42% | 1.30% |
#18
3
Prev: #15
|
2.6 | 15,295 | 26.4% |
P
S
|
73,132 | $3,677,808 | 2024 Q3 | 13F Filing | 2025-12-31 | 2026-02-14 (Est.) | |||
|
VXUS
VANGUARD STAR F...
|
Bond/Debt | 1.20% | 1.24% |
#19
2
Prev: #17
|
2.5 | 3,624 | 9.6% |
P
S
|
41,273 | $3,113,635 | 2024 Q3 | 13F Filing | 2025-12-31 | 2026-02-14 (Est.) | |||
|
SCHB
SCHWAB STRATEGI...
|
ETF | 1.12% | 1.27% |
#20
4
Prev: #16
|
2.4 | 500 | 0.5% |
P
S
|
110,748 | $2,904,912 | 2024 Q3 | 13F Filing | 2025-12-31 | 2026-02-14 (Est.) | |||
|
SUB
ISHARES TR
|
ETF | 1.01% | 1.13% |
#21
3
Prev: #18
|
2.4 | 1,025 | 4.3% |
P
S
|
24,606 | $2,625,460 | 2024 Q3 | 13F Filing | 2025-12-31 | 2026-02-14 (Est.) | |||
|
AAPL
APPLE INC
|
Technology | 0.93% | 0.96% |
#22
3
Prev: #19
|
2.4 | 436 | 5.2% |
P
S
|
8,887 | $2,415,974 | 2024 Q3 | 13F Filing | 2025-12-31 | 2026-02-14 (Est.) | |||
|
VOO
VANGUARD INDEX ...
|
ETF | 0.50% | 0.34% |
#23
4
Prev: #27
|
2.4 | 813 | 64.7% |
P
S
|
2,070 | $1,298,320 | 2024 Q4 | 13F Filing | 2025-12-31 | 2026-02-14 (Est.) | |||
|
IVV
ISHARES TR
|
ETF | 0.36% | 0.41% |
#24
Prev: #24
|
0.1 | no change | no change |
P
S
|
1,374 | $941,108 | 2024 Q3 | 13F Filing | 2025-12-31 | 2026-02-14 (Est.) | |||
|
MSFT
MICROSOFT CORP
|
Technology | 0.35% | 0.44% |
#25
2
Prev: #23
|
0.1 | no change | no change |
P
S
|
1,890 | $914,042 | 2024 Q3 | 13F Filing | 2025-12-31 | 2026-02-14 (Est.) | |||
|
SHYM
BLACKROCK ETF T...
|
ETF | 0.00% | 0.27% |
Sold All 😨
(Was: #31) |
0.3 | -27,300 | -100.0% |
CLOSED
|
— | $— | 2025 Q2 | 13F Filing | 2025-12-31 | 2026-02-14 (Est.) | |||
|
XLK
SELECT SECTOR S...
|
Unknown | 0.00% | 0.09% |
Sold All 😨
(Was: #49) |
0.3 | -720 | -100.0% |
CLOSED
|
— | $— | 2025 Q3 | 13F Filing | 2025-12-31 | 2026-02-14 (Est.) |
Showing 1-25 of 51 holdings