PENOBSCOT WEALTH MANAGEMENT Q3 2025 Filing

Filed November 19, 2025

Portfolio Value

$311.6M

Holdings

103

Report Date

Q3 2025

Filing Type

13F-HR

All Holdings (103 positions)

#	Stock	Shares	Value	% Portfolio
1	SPYMSPDR SERIES TRUST	761,868	$59.7M	19.16%
2	DFGPDIMENSIONAL ETF TRUST	807,488	$44.9M	14.40%
3	VEAVANGUARD TAX-MANAGED FDS	579,820	$34.7M	11.15%
4	IAGGISHARES TR	273,041	$14.0M	4.49%
5	VGTVANGUARD WORLD FD	16,278	$12.2M	3.90%
6	VWOVANGUARD INTL EQUITY INDEX F	208,666	$11.3M	3.63%
7	JGROJ P MORGAN EXCHANGE TRADED F	96,883	$9.1M	2.92%
8	STIPISHARES TR	80,998	$8.4M	2.69%
9	DFICDIMENSIONAL ETF TRUST	232,174	$7.6M	2.44%
10	VFHVANGUARD WORLD FD	43,582	$5.7M	1.84%
11	VOOVANGUARD INDEX FDS	7,628	$4.7M	1.50%
12	GLDMWORLD GOLD TR	57,767	$4.4M	1.42%
13	SPYVSPDR SERIES TRUST	74,232	$4.1M	1.32%
14	DFAEDIMENSIONAL ETF TRUST	127,115	$4.0M	1.29%
15	VOXVANGUARD WORLD FD	21,271	$4.0M	1.28%
16	SCHXSCHWAB STRATEGIC TR	136,430	$3.6M	1.15%
17	XMHQINVESCO EXCHANGE TRADED FD T	33,707	$3.5M	1.14%
18	FDISFIDELITY COVINGTON TRUST	33,334	$3.4M	1.10%
19	VHTVANGUARD WORLD FD	13,102	$3.4M	1.09%
20	IXUSISHARES TR	37,047	$3.1M	0.98%
21	AAPLAPPLE INC	11,474	$2.9M	0.94%
22	FIDUFIDELITY COVINGTON TRUST	34,619	$2.8M	0.91%
23	IYKISHARES TR	39,419	$2.7M	0.87%
24	EWJISHARES INC	30,550	$2.5M	0.79%
25	COWZPACER FDS TR	40,512	$2.3M	0.75%
26	IEURISHARES TR	30,840	$2.1M	0.67%
27	VNQVANGUARD INDEX FDS	21,647	$2.0M	0.64%
28	ICLNISHARES TR	109,936	$1.7M	0.55%
29	KOMPSPDR SERIES TRUST	26,203	$1.6M	0.52%
30	XLUSELECT SECTOR SPDR TR	17,993	$1.6M	0.50%
31	IDXXIDEXX LABS INC	2,337	$1.5M	0.48%
32	XLKSELECT SECTOR SPDR TR	5,104	$1.4M	0.46%
33	IGFISHARES TR	23,428	$1.4M	0.46%
34	ITOTISHARES TR	9,672	$1.4M	0.45%
35	MSFTMICROSOFT CORP	2,677	$1.4M	0.44%
36	SHYGISHARES TR	28,865	$1.2M	0.40%
37	XLFSELECT SECTOR SPDR TR	22,655	$1.2M	0.39%
38	CALFPACER FDS TR	27,174	$1.2M	0.38%
39	NVDANVIDIA CORPORATION	6,356	$1.2M	0.38%
40	BNDVANGUARD BD INDEX FDS	15,740	$1.2M	0.38%
41	SPTMSPDR SERIES TRUST	14,061	$1.1M	0.36%
42	AQLTISHARES TR	12,857	$1.1M	0.36%
43	IWBISHARES TR	2,800	$1.0M	0.33%
44	IYWISHARES TR	5,082	$995K	0.32%
45	ESGVVANGUARD WORLD FD	8,370	$991K	0.32%
46	SPEMSPDR INDEX SHS FDS	20,263	$949K	0.30%
47	ESGDISHARES TR	10,055	$935K	0.30%
48	SPDWSPDR INDEX SHS FDS	20,870	$893K	0.29%
49	VTVVANGUARD INDEX FDS	4,225	$788K	0.25%
50	VDCVANGUARD WORLD FD	3,644	$779K	0.25%
51	IWMISHARES TR	3,202	$775K	0.25%
52	EMBISHARES TR	7,538	$718K	0.23%
53	RPGINVESCO EXCHANGE TRADED FD T	14,864	$709K	0.23%
54	FMATFIDELITY COVINGTON TRUST	13,528	$709K	0.23%
55	SPSMSPDR SERIES TRUST	15,220	$705K	0.23%
56	VTIVANGUARD INDEX FDS	2,049	$672K	0.22%
57	XLCSELECT SECTOR SPDR TR	5,431	$643K	0.21%
58	RSPINVESCO EXCHANGE TRADED FD T	3,241	$615K	0.20%
59	AMZNAMAZON COM INC	2,702	$593K	0.19%
60	VBVANGUARD INDEX FDS	2,294	$583K	0.19%
61	XLVSELECT SECTOR SPDR TR	3,684	$513K	0.16%
62	VUGVANGUARD INDEX FDS	1,047	$502K	0.16%
63	GQ9SPDR GOLD TR	1,365	$485K	0.16%
64	IJSISHARES TR	4,341	$480K	0.15%
65	DFUSDIMENSIONAL ETF TRUST	6,519	$472K	0.15%
66	MRKMERCK & CO INC	5,417	$455K	0.15%
67	UNHUNITEDHEALTH GROUP INC	1,270	$438K	0.14%
68	JPMJPMORGAN CHASE & CO.	1,362	$430K	0.14%
69	VTEBVANGUARD MUN BD FDS	8,530	$427K	0.14%
70	PGPROCTER AND GAMBLE CO	2,730	$419K	0.13%
71	FRELFIDELITY COVINGTON TRUST	13,991	$389K	0.12%
72	NULVNUSHARES ETF TR	8,642	$379K	0.12%
73	IYY*ISHARES TR	2,308	$375K	0.12%
74	IJRISHARES TR	3,036	$361K	0.12%
75	IEMGISHARES INC	5,378	$355K	0.11%
76	ESGEISHARES INC	8,163	$354K	0.11%
77	XLYSELECT SECTOR SPDR TR	1,470	$352K	0.11%
78	VOVANGUARD INDEX FDS	1,159	$341K	0.11%
79	CATCATERPILLAR INC	705	$336K	0.11%
80	ETNEATON CORP PLC	883	$330K	0.11%
81	USXFISHARES TR	5,753	$330K	0.11%
82	COSTCOSTCO WHSL CORP NEW	349	$323K	0.10%
83	VBRVANGUARD INDEX FDS	1,541	$322K	0.10%
84	GOOGLALPHABET INC	1,291	$314K	0.10%
85	METAMETA PLATFORMS INC	425	$312K	0.10%
86	DFSIDIMENSIONAL ETF TRUST	7,615	$312K	0.10%
87	FSLRFIRST SOLAR INC	1,310	$289K	0.09%
88	VXUSVANGUARD STAR FDS	3,832	$282K	0.09%
89	BNDXVANGUARD CHARLOTTE FDS	5,691	$281K	0.09%
90	GEGE AEROSPACE	832	$250K	0.08%
91	SCHGSCHWAB STRATEGIC TR	7,655	$244K	0.08%
92	IBMINTERNATIONAL BUSINESS MACHS	850	$240K	0.08%
93	SCHVSCHWAB STRATEGIC TR	8,141	$237K	0.08%
94	PEPPEPSICO INC	1,681	$236K	0.08%
95	DFSUDIMENSIONAL ETF TRUST	5,470	$232K	0.07%
96	FUTYFIDELITY COVINGTON TRUST	3,993	$225K	0.07%
97	MMM3M CO	1,450	$225K	0.07%
98	VIGIVANGUARD WHITEHALL FDS	2,438	$218K	0.07%
99	VGKVANGUARD INTL EQUITY INDEX F	2,679	$214K	0.07%
100	VCRVANGUARD WORLD FD	530	$210K	0.07%

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