Zhang Financial LLC

All Holdings — 2025 Q4

AI Portfolio Summary
In 2025 Q4, Zhang Financial LLC maintained a portfolio of 348 distinct positions. They heavily accumulated shares in VANGUARD S&P, increasing their position by 2.5%. Conversely, Zhang Financial LLC completely exited their position in AMERICAN EXPRESS.
PCA Score Concentration Risk
Risk ENB
Total Positions
348
Quarter
2025 Q4
Top Holding
VOO (7.3%)
Top 10 Concentration
49.8%
Turnover Rate
23.4%
Sector HHI
0.18
Items per page:
1-25 of 348
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
VOO
VANGUARD S&P
ETF 7.27% 7.54% #1
Prev: #1
5.4 7,705 2.5%
P
S
310,861 $194,950,037 2019 Q2 13F Filing 2025-12-31 2026-02-14 (Est.)
VTI
VANGUARD INDEX ...
ETF 6.85% 7.33% #2
Prev: #2
4.7 -2,070 -0.4%
P
S
547,888 $183,690,375 2019 Q1 13F Filing 2025-12-31 2026-02-14 (Est.)
DFUS
DIMENSIONAL US
ETF 6.69% 7.07% #3
Prev: #3
4.2 14,494 0.6%
P
S
2,417,863 $179,332,881 2021 Q2 13F Filing 2025-12-31 2026-02-14 (Est.)
ITOT
ISHARES CORE
ETF 5.83% 5.74% #4
Prev: #4
4.8 81,977 8.5%
P
S
1,051,877 $156,403,599 2019 Q2 13F Filing 2025-12-31 2026-02-14 (Est.)
VXUS
VANGUARD STAR F...
Bond/Debt 5.29% 5.19% #5
Prev: #5
4.6 139,713 8.0%
P
S
1,880,287 $141,848,837 2019 Q2 13F Filing 2025-12-31 2026-02-14 (Est.)
DFAC
DIMENSIONAL US
ETF 4.90% 5.16% #6
Prev: #6
2.5 30,820 0.9%
P
S
3,321,411 $131,494,665 2021 Q2 13F Filing 2025-12-31 2026-02-14 (Est.)
BIV
VANGUARD INTERM...
Bond/Debt 4.41% 3.61% #7 1
Prev: #8
4.3 383,659 33.8%
P
S
1,520,153 $118,389,468 2022 Q1 13F Filing 2025-12-31 2026-02-14 (Est.)
VT
VANGUARD INTL E...
ETF 3.77% 3.99% #8 1
Prev: #7
2.0 4,358 0.6%
P
S
716,978 $101,136,855 2019 Q2 13F Filing 2025-12-31 2026-02-14 (Est.)
DFAI
DIMENSIONAL ETF...
Bond/Debt 2.59% 2.64% #9
Prev: #9
1.5 39,270 2.2%
P
S
1,824,816 $69,543,763 2022 Q1 13F Filing 2025-12-31 2026-02-14 (Est.)
AAPL
APPLE INC
Technology 2.20% 2.12% #10
Prev: #10
2.9 11,749 5.7%
P
S
216,708 $58,914,125 2019 Q1 13F Filing 2025-12-31 2026-02-14 (Est.)
BND
VANGUARD TOTAL
ETF 1.91% 1.91% #11 1
Prev: #12
2.8 59,809 9.5%
P
S
691,645 $51,230,127 2019 Q1 13F Filing 2025-12-31 2026-02-14 (Est.)
VBR
VANGUARD SMALL
ETF 1.79% 2.00% #12 1
Prev: #11
1.2 -9,337 -4.0%
P
S
226,870 $48,048,827 2019 Q1 13F Filing 2025-12-31 2026-02-14 (Est.)
AGG
ISHARES CORE
ETF 1.70% 1.18% #13 6
Prev: #19
3.7 166,678 57.7%
P
S
455,781 $45,523,385 2021 Q1 13F Filing 2025-12-31 2026-02-14 (Est.)
VYM
VANGUARD HIGH
ETF 1.68% 1.82% #14 1
Prev: #13
1.2 -2,940 -0.9%
P
S
314,048 $45,072,121 2020 Q4 13F Filing 2025-12-31 2026-02-14 (Est.)
BKLC
BNY MELLON
ETF 1.52% 1.61% #15
Prev: #15
1.1 3,888 1.3%
P
S
312,336 $40,853,446 2021 Q1 13F Filing 2025-12-31 2026-02-14 (Est.)
SYK
STRYKER CORP
Healthcare 1.45% 1.71% #16 2
Prev: #14
1.1 -3,632 -3.2%
P
S
110,348 $38,783,764 2019 Q1 13F Filing 2025-12-31 2026-02-14 (Est.)
IAU
ISHARES GOLD
ETF 1.43% 1.41% #17 1
Prev: #16
1.1 -2,175 -0.5%
P
S
473,420 $38,427,517 2019 Q2 13F Filing 2025-12-31 2026-02-14 (Est.)
AVDE
AVANTIS INTL
Bond/Debt 1.23% 1.09% #18 3
Prev: #21
2.5 61,939 18.2%
P
S
402,208 $33,109,757 2023 Q3 13F Filing 2025-12-31 2026-02-14 (Est.)
MSFT
MICROSOFT CORP
Technology 1.23% 1.32% #19 2
Prev: #17
2.5 4,982 7.9%
P
S
67,928 $32,851,060 2019 Q2 13F Filing 2025-12-31 2026-02-14 (Est.)
DFAU
DIMENSIONAL US
ETF 1.18% 1.22% #20 2
Prev: #18
1.0 17,657 2.7%
P
S
673,569 $31,523,038 2022 Q2 13F Filing 2025-12-31 2026-02-14 (Est.)
VCSH
VANGUARD SHORT
ETF 1.14% 1.14% #21 1
Prev: #20
2.5 31,581 9.0%
P
S
382,608 $30,505,318 2020 Q4 13F Filing 2025-12-31 2026-02-14 (Est.)
NVDA
NVIDIA CORP
Technology 1.01% 1.08% #22
Prev: #22
0.9 2,326 1.6%
P
S
145,355 $27,108,788 2021 Q2 13F Filing 2025-12-31 2026-02-14 (Est.)
VO
VANGUARD MID
ETF 1.00% 1.04% #23
Prev: #23
2.4 4,806 5.5%
P
S
92,354 $26,803,035 2019 Q1 13F Filing 2025-12-31 2026-02-14 (Est.)
VUG
VANGUARD GROWTH
Warrant 0.92% 0.69% #24 8
Prev: #32
2.9 15,555 44.1%
P
S
50,797 $24,781,875 2019 Q2 13F Filing 2025-12-31 2026-02-14 (Est.)
AVUS
AVANTIS U S
ETF 0.89% 0.68% #25 9
Prev: #34
2.9 59,260 38.6%
P
S
212,973 $23,806,110 2023 Q2 13F Filing 2025-12-31 2026-02-14 (Est.)
AXP
AMERICAN EXPRES...
Financial Services 0.00% 0.18%
Sold All 😨
(Was: #70)
0.0 -13,359 -100.0%
CLOSED
$— 2022 Q1 13F Filing 2025-12-31 2026-02-14 (Est.)
CL
COLGATE-PALMOLI...
Consumer Defensive 0.00% 0.04%
Sold All 😨
(Was: #168)
0.0 -13,455 -100.0%
CLOSED
$— 2024 Q4 13F Filing 2025-12-31 2026-02-14 (Est.)
FSLR
FIRST SOLAR
Technology 0.00% 0.02%
Sold All 😨
(Was: #204)
0.0 -2,500 -100.0%
CLOSED
$— 2021 Q4 13F Filing 2025-12-31 2026-02-14 (Est.)
DD
DUPONT DE
Basic Materials 0.00% 0.02%
Sold All 😨
(Was: #234)
0.0 -4,912 -100.0%
CLOSED
$— 2019 Q3 13F Filing 2025-12-31 2026-02-14 (Est.)
K
KELLOGG CO
Consumer Defensive 0.00% 0.01%
Sold All 😨
(Was: #243)
0.0 -4,315 -100.0%
CLOSED
$— 2019 Q1 13F Filing 2025-12-31 2026-02-14 (Est.)
QRVO
QORVO INC
Technology 0.00% 0.01%
Sold All 😨
(Was: #249)
0.0 -3,750 -100.0%
CLOSED
$— 2021 Q4 13F Filing 2025-12-31 2026-02-14 (Est.)
DUK
DUKE ENERGY
Utilities 0.00% 0.01%
Sold All 😨
(Was: #298)
0.0 -1,744 -100.0%
CLOSED
$— 2024 Q4 13F Filing 2025-12-31 2026-02-14 (Est.)
CRWD
CROWDSTRIKE HOL...
Technology 0.00% 0.01%
Sold All 😨
(Was: #307)
0.0 -421 -100.0%
CLOSED
$— 2025 Q3 13F Filing 2025-12-31 2026-02-14 (Est.)
CHY
CALAMOS CONVERT...
Financial Services 0.00% 0.01%
Sold All 😨
(Was: #313)
0.0 -11,845 -100.0%
CLOSED
$— 2023 Q4 13F Filing 2025-12-31 2026-02-14 (Est.)
Showing 1-25 of 348 holdings

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