FINANCIAL CONSULATE, INC Q4 2025 Filing

Filed January 22, 2026

Portfolio Value

$731.4M

Holdings

1,339

Report Date

Q4 2025

Filing Type

13F-HR

All Holdings (1,339 positions)

#StockSharesValue% PortfolioType
1
SCHXSCHWAB STRATEGIC TR
5,201,944$140.0M19.14%
2
DUHPDIMENSIONAL ETF TRUST
1,988,141$75.6M10.34%
3
MFDXPIMCO EQUITY SER
1,669,238$64.1M8.77%
4
SCHFSCHWAB STRATEGIC TR
1,823,619$43.8M5.99%
5
DIHPDIMENSIONAL ETF TRUST
1,195,150$37.8M5.17%
6
DFASDIMENSIONAL ETF TRUST
424,499$29.6M4.04%
7
VTIPVANGUARD MALVERN FDS
557,604$27.6M3.77%
8
FNDBSCHWAB STRATEGIC TR
1,019,275$27.1M3.70%
9
SCHDSCHWAB STRATEGIC TR
794,902$21.8M2.98%
10
FLQMFRANKLIN TEMPLETON ETF TR
380,180$21.4M2.92%
11
AAPLAPPLE INC
78,098$21.2M2.90%
12
TCAFT ROWE PRICE ETF INC
441,925$16.9M2.31%
13
FNDESCHWAB STRATEGIC TR
441,510$15.9M2.18%
14
MCXMCCORMICK & CO INC
183,409$12.5M1.71%
15
PULSPGIM ETF TR
229,710$11.4M1.56%
16
FNDFSCHWAB STRATEGIC TR
234,290$10.6M1.45%
17
GMFSPDR INDEX SHS FDS
67,018$9.3M1.27%
18
PATKPATRICK INDS INC
52,645$5.7M0.78%
19
NVDANVIDIA CORPORATION
27,400$5.1M0.70%
20
MFUSPIMCO EQUITY SER
76,168$4.3M0.59%
21
MSFTMICROSOFT CORP
8,313$4.0M0.55%
22
VOOVANGUARD INDEX FDS
5,972$3.7M0.51%
23
SPGMSPDR INDEX SHS FDS
44,796$3.4M0.47%
24
SCHBSCHWAB STRATEGIC TR
110,723$2.9M0.40%
25
AMZNAMAZON COM INC
11,774$2.7M0.37%
26
PNCPNC FINL SVCS GROUP INC
12,423$2.6M0.35%
27
IVVISHARES TR
3,773$2.6M0.35%
28
TXG10X GENOMICS INC
156,457$2.6M0.35%
29
DFATDIMENSIONAL ETF TRUST
41,870$2.5M0.34%
30
GOOGALPHABET INC
7,301$2.3M0.31%
31
GOOGLALPHABET INC
6,110$1.9M0.26%
32
SCHGSCHWAB STRATEGIC TR
58,288$1.9M0.26%
33
LMTLOCKHEED MARTIN CORP
3,412$1.6M0.23%
34
MLCIMOUNT LOGAN CAP INC
187,908$1.6M0.21%
35
VGTVANGUARD WORLD FD
1,999$1.5M0.21%
36
MAMASTERCARD INCORPORATED
2,560$1.5M0.20%
37
RTXRTX CORPORATION
7,830$1.4M0.20%
38
LLYELI LILLY & CO
1,235$1.3M0.18%
39
JPMJPMORGAN CHASE & CO.
4,028$1.3M0.18%
40
CATCATERPILLAR INC
2,213$1.3M0.17%
41
CEGCONSTELLATION ENERGY CORP
3,506$1.2M0.17%
42
XOMEXXON MOBIL CORP
9,766$1.2M0.16%
43
TSLATESLA INC
2,600$1.2M0.16%
44
SCHWSCHWAB CHARLES CORP
11,193$1.1M0.15%
45
PGPROCTER AND GAMBLE CO
7,656$1.1M0.15%
46
ITOTISHARES TR
7,293$1.1M0.15%
47
BRK/BBERKSHIRE HATHAWAY INC DEL
2,155$1.1M0.15%
48
CWISPDR INDEX SHS FDS
30,097$1.1M0.15%
49
COSTCOSTCO WHSL CORP NEW
1,237$1.1M0.15%
50
VVISA INC
2,881$1.0M0.14%
51
UPSUNITED PARCEL SERVICE INC
9,841$976K0.13%
52
BAND 0.5 04/01/28BANDWIDTH INC
1,112,000$972K0.13%
53
TJXTJX COS INC NEW
6,297$967K0.13%
54
DOCUDOCUSIGN INC
14,073$962K0.13%
55
MGPI 1.875 11/15/41MGP INGREDIENTS INC NEW
987,000$955K0.13%
56
PMT 5.5 03/15/26PENNYMAC CORP
932,000$954K0.13%
57
BXMT 5.5 03/15/27BLACKSTONE MORTGAGE TRUST IN
953,000$947K0.13%
58
MRKMERCK & CO INC
8,703$916K0.13%
59
PEB 1.75 12/15/26PEBBLEBROOK HOTEL TR
894,000$863K0.12%
60
FASTFASTENAL CO
20,535$824K0.11%
61
DHRDANAHER CORPORATION
3,300$755K0.10%
62
BRK-BBERKSHIRE HATHAWAY INC DEL
1$754K0.10%
63
HDHOME DEPOT INC
2,126$731K0.10%
64
MCDMCDONALDS CORP
2,350$718K0.10%
65
JNJJOHNSON & JOHNSON
3,355$694K0.09%
66
VTIVANGUARD INDEX FDS
2,066$692K0.09%
67
SCHMSCHWAB STRATEGIC TR
22,965$690K0.09%
68
ABBVABBVIE INC
3,008$687K0.09%
69
HEIHEICO CORP NEW
2,596$655K0.09%
70
HPEHEWLETT PACKARD ENTERPRISE C
27,168$652K0.09%
71
UBERUBER TECHNOLOGIES INC
7,808$637K0.09%
72
IBMINTERNATIONAL BUSINESS MACHS
2,096$620K0.08%
73655,000$608K0.08%
74
INN 1.5 02/15/26SUMMIT HOTEL PPTYS
599,000$594K0.08%
75
METAMETA PLATFORMS INC
887$585K0.08%
76
CSXCSX CORP
15,875$575K0.08%
77612,000$574K0.08%
78
CVXCHEVRON CORP NEW
3,717$566K0.08%
79
TAT&T INC
21,910$544K0.07%
80
ISRGINTUITIVE SURGICAL INC
954$540K0.07%
81
AGGISHARES TR
5,203$519K0.07%
82
URIUNITED RENTALS INC
634$513K0.07%
83
BNDXVANGUARD CHARLOTTE FDS
10,526$508K0.07%
84
IWFISHARES TR
1,070$506K0.07%
85
T7DTRANSDIGM GROUP INC
373$496K0.07%
86
VISVANGUARD WORLD FD
1,656$494K0.07%
87
PEPPEPSICO INC
3,430$492K0.07%
88
PEOEXELON CORP
11,284$491K0.07%
89
NOWSERVICENOW INC
3,180$487K0.07%
90
XLYSELECT SECTOR SPDR TR
4,065$485K0.07%
91
MPWRMONOLITHIC PWR SYS INC
528$478K0.07%
92
VMCVULCAN MATLS CO
1,630$464K0.06%
93
CBRECBRE GROUP INC
2,865$460K0.06%
94
SCHZSCHWAB STRATEGIC TR
19,368$452K0.06%
95
ASMLASML HOLDING N V
420$449K0.06%
96
CDNSCADENCE DESIGN SYSTEM INC
1,331$416K0.06%
97
MRSHMARSH & MCLENNAN COS INC
2,218$411K0.06%
98
IJRISHARES TR
3,428$411K0.06%
99
VEEVVEEVA SYS INC
1,769$394K0.05%
100
ABGCENCORA INC
1,159$391K0.05%
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