Ares Financial Consulting, LLC Q4 2025 Filing

Filed January 30, 2026

Portfolio Value

$105.0M

Holdings

895

Report Date

Q4 2025

Filing Type

13F-HR

All Holdings (895 positions)

#	Stock	Shares	Value	% Portfolio
1	VTIVANGUARD TOTAL STOCK MARKET ETF	40,772	$13.7M	13.02%
2	USFRWISDOMTREE FLOATING RATE TREASURY FUND	142,775	$7.2M	6.84%
3	DFAIDIMENSIONAL INTERNATIONAL CORE EQUITY MARKET ETF	116,444	$4.4M	4.23%
4	DFIPDIMENSIONAL INFLATION-PROTECTED SECURITIES ETF	99,250	$4.1M	3.93%
5	STIPISHARES 0-5 YEAR TIPS BOND ETF	38,938	$4.0M	3.80%
6	DFATDIMENSIONAL U.S. TARGETED VALUE ETF	66,276	$3.9M	3.76%
7	AVUSAVANTIS U.S. EQUITY ETF	34,124	$3.8M	3.63%
8	DFACDIMENSIONAL U.S. CORE EQUITY 2 ETF	78,834	$3.1M	2.97%
9	LTPZPIMCO 15 YEAR US TIPS INDEX EXCHANGE-TRADED FUND	59,941	$3.1M	2.95%
10	VXUSVANGUARD TOTAL INTERNATIONAL STOCK ETF	29,613	$2.2M	2.13%
11	VGITVANGUARD INTERMEDIATE-TERM TREASURY ETF	30,795	$1.8M	1.76%
12	NVDANVIDIA CORPORATION COM	9,628	$1.8M	1.71%
13	AAPLAPPLE INC COM	6,578	$1.8M	1.70%
14	MSFTMICROSOFT CORP COM	3,632	$1.8M	1.67%
15	DFICDIMENSIONAL INTERNATIONAL CORE EQUITY 2 ETF	47,829	$1.6M	1.57%
16	DFAUDIMENSIONAL US CORE EQUITY MARKET ETF	29,963	$1.4M	1.34%
17	RTXRTX CORPORATION COM	6,970	$1.3M	1.22%
18	NDQINVESCO QQQ TRUST SERIES I	1,976	$1.2M	1.16%
19	ITOTISHARES CORE S&P TOTAL U.S. STOCK MARKET ETF	8,029	$1.2M	1.14%
20	VTIPVANGUARD SHORT-TERM INFLATION-PROTECTED SECURITIES ETF	22,089	$1.1M	1.04%
21	DFCFDIMENSIONAL CORE FIXED INCOME ETF	23,891	$1.0M	0.97%
22	DBMFIMGP DBI MANAGED FUTURES STRATEGY ETF	34,670	$972K	0.93%
23	QQQMINVESCO NASDAQ 100 ETF	3,665	$926K	0.88%
24	HTGCHERCULES CAPITAL INC COM	47,730	$898K	0.86%
25	FRDMFREEDOM 100 EMERGING MARKETS ETF	17,515	$897K	0.85%
26	NOCNORTHROP GRUMMAN CORP COM	1,486	$847K	0.81%
27	CEFSSABA CLOSED END FUNDS ETF	36,740	$846K	0.81%
28	VGSHVANGUARD SHORT-TERM TREASURY ETF	13,563	$796K	0.76%
29	VOOVANGUARD S&P 500 ETF	1,173	$735K	0.70%
30	GOOGLALPHABET INC CAP STK CL A	2,324	$727K	0.69%
31	ARCCARES CAPITAL CORP COM	35,385	$715K	0.68%
32	WMTWALMART INC COM	6,278	$699K	0.67%
33	AMZNAMAZON COM INC COM	2,955	$681K	0.65%
34	TSLATESLA INC COM	1,363	$612K	0.58%
35	AVIGAVANTIS CORE FIXED INCOME ETF	13,874	$581K	0.55%
36	DFIVDIMENSIONAL INTERNATIONAL VALUE ETF	11,572	$577K	0.55%
37	HYTBLACKROCK CORPOR HI YLD FD INC COM	61,976	$551K	0.52%
38	IVVISHARES CORE S&P 500 ETF	789	$540K	0.51%
39	GOOGALPHABET INC CAP STK CL C	1,715	$538K	0.51%
40	DFAXDIMENSIONAL WORLD EX U.S. CORE EQUITY 2 ETF	16,370	$535K	0.51%
41	VEAVANGUARD FTSE DEVELOPED MARKETS ETF	8,539	$533K	0.51%
42	GLDMSPDR GOLD MINISHARES TRUST OF BENEFICIAL INTEREST	6,142	$524K	0.50%
43	PFEPFIZER INC COM	21,026	$523K	0.50%
44	DFGRDIMENSIONAL GLOBAL REAL ESTATE ETF	18,740	$495K	0.47%
45	AVDEAVANTIS INTERNATIONAL EQUITY ETF	5,635	$463K	0.44%
46	BRK/BBERKSHIRE HATHAWAY INC DEL CL B NEW	892	$448K	0.43%
47	CVXCHEVRON CORP NEW COM	2,806	$427K	0.41%
48	JPMJPMORGAN CHASE & CO. COM	1,316	$424K	0.40%
49	METAMETA PLATFORMS INC CL A	636	$419K	0.40%
50	XOMEXXON MOBIL CORP COM	3,422	$411K	0.39%
51	AVGOBROADCOM INC COM	1,145	$396K	0.38%
52	PGPROCTER & GAMBLE CO COM	2,574	$368K	0.35%
53	VVVANGUARD LARGE-CAP ETF	1,125	$354K	0.34%
54	MCDMCDONALDS CORP COM	1,155	$352K	0.34%
55	PSAPUBLIC STORAGE OPER CO COM	1,311	$340K	0.32%
56	TIPISHARES TIPS BOND ETF	3,076	$338K	0.32%
57	UPSUNITED PARCEL SVCS INC CL B	3,383	$335K	0.32%
58	COSTCOSTCO WHOLESALE CORPORATION COM	375	$323K	0.31%
59	MOALTRIA GROUP INC COM	5,193	$299K	0.28%
60	VOEVANGUARD MID-CAP VALUE ETF	1,630	$289K	0.28%
61	JNJJOHNSON & JOHNSON COM	1,359	$281K	0.27%
62	AVREAVANTIS REAL ESTATE ETF	6,385	$277K	0.26%
63	VBRVANGUARD SMALL CAP VALUE ETF	1,236	$261K	0.25%
64	IWFISHARES RUSSELL 1000 GROWTH ETF	537	$254K	0.24%
65	EDVVANGUARD EXTENDED DURATION TREASURY ETF	3,495	$227K	0.22%
66	VIGVANGUARD DIVIDEND APPRECIATION ETF	992	$217K	0.21%
67	SPYSTATE STR SPDR S&P 500 ETF TR TR UNIT	316	$215K	0.20%
68	DFASDIMENSIONAL U.S. SMALL CAP ETF	3,008	$209K	0.20%
69	LLYELI LILLY & CO COM	192	$206K	0.20%
70	DFEVDIMENSIONAL EMERGING MARKETS VALUE ETF	6,077	$205K	0.20%
71	SCHFSCHWAB INTERNATIONAL EQUITY ETF	8,456	$203K	0.19%
72	VEUVANGUARD FTSE ALL-WORLD EX-US INDEX FUND	2,661	$195K	0.19%
73	BSVVANGUARD SHORT-TERM BOND ETF	2,300	$181K	0.17%
74	TAT&T INC COM	7,122	$176K	0.17%
75	PAYXPAYCHEX INC COM	1,570	$176K	0.17%
76	CARRCARRIER GLOBAL CORPORATION COM	3,330	$175K	0.17%
77	OREALTY INCOME CORP COM	3,099	$174K	0.17%
78	BNDVANGUARD TOTAL BOND MARKET ETF	2,322	$171K	0.16%
79	SCHBSCHWAB U.S. BROAD MARKET ETF	155,951	$170K	0.16%
80	IBMINTERNATIONAL BUSINESS MACHS COM	565	$167K	0.16%
81	JCIJOHNSON CTLS INTL PLC SHS	1,393	$166K	0.16%
82	AMDADVANCED MICRO DEVICES INC COM	770	$164K	0.16%
83	VBVANGUARD SMALL-CAP ETF	630	$162K	0.15%
84	XLESTATE STREET ENERGY SELECT SECTOR SPDR ETF	3,486	$155K	0.15%
85	VVISA INC COM CL A	440	$154K	0.15%
86	KMBKIMBERLY-CLARK CORP COM	1,457	$147K	0.14%
87	IWDISHARES RUSSELL 1000 VALUE ETF	679	$142K	0.14%
88	OTISOTIS WORLDWIDE CORP COM	1,633	$142K	0.14%
89	ABBVABBVIE INC COM	615	$140K	0.13%
90	SGOVISHARES 0-3 MONTH TREASURY BOND ETF	1,390	$139K	0.13%
91	MMM3M CO COM	846	$135K	0.13%
92	AVEMAVANTIS EMERGING MARKETS EQUITY ETF	1,754	$135K	0.13%
93	ORCLORACLE CORP COM	678	$132K	0.13%
94	IVRINVESCO MORTGAGE CAPITAL INC COM	15,648	$131K	0.12%
95	SCHPSCHWAB US TIPS ETF	4,863	$128K	0.12%
96	DFUVDIMENSIONAL US MARKETWIDE VALUE ETF	2,712	$126K	0.12%
97	VTECVANGUARD CALIFORNIA TAX-EXEMPT BOND ETF	1,250	$125K	0.12%
98	CSCOCISCO SYS INC COM	1,547	$119K	0.11%
99	SCHWSCHWAB CHARLES CORP COM	1,192	$119K	0.11%
100	VOVANGUARD MID-CAP ETF	404	$117K	0.11%

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