VESTIA PERSONAL WEALTH ADVISORS Q4 2025 Filing

Filed January 27, 2026

Portfolio Value

$196.8M

Holdings

Report Date

Q4 2025

Filing Type

13F-HR

All Holdings (98 positions)

#	Stock	Shares	Value	% Portfolio
1	DFIVDIMENSIONAL INTERNATIONAL VALUE ETF	351,744	$18.1M	9.22%
2	DFACDIMENSIONAL U.S. CORE EQUITY 2 ETF	453,922	$18.0M	9.17%
3	DFICDIMENSIONAL INTERNATIONAL CORE EQUITY 2 ETF	487,547	$17.4M	8.86%
4	DFATDIMENSIONAL U.S. TARGETED VALUE ETF	186,932	$12.0M	6.10%
5	DFUVDIMENSIONAL US MARKETWIDE VALUE ETF	245,078	$12.0M	6.08%
6	DFSVDIMENSIONAL US SMALL CAP VALUE ETF	280,061	$9.9M	5.05%
7	DFASDIMENSIONAL U.S. SMALL CAP ETF	109,997	$8.3M	4.21%
8	DFNMDIMENSIONAL NATIONAL MUNICIPAL BOND ETF	137,023	$6.6M	3.37%
9	VOOVANGUARD S&P 500 ETF	10,514	$6.6M	3.37%
10	DFEMDIMENSIONAL EMERGING MARKETS CORE EQUITY 2 ETF	169,761	$5.9M	3.02%
11	DFEVDIMENSIONAL EMERGING MARKETS VALUE ETF	151,543	$5.1M	2.57%
12	DFUSDIMENSIONAL U.S. EQUITY MARKET ETF	65,760	$4.9M	2.50%
13	DFCFDIMENSIONAL CORE FIXED INCOME ETF	103,208	$4.4M	2.23%
14	DFLVDIMENSIONAL US LARGE CAP VALUE ETF	121,316	$4.3M	2.20%
15	DISVDIMENSIONAL INTERNATIONAL SMALL CAP VALUE ETF	89,592	$3.6M	1.81%
16	DFGRDIMENSIONAL GLOBAL REAL ESTATE ETF	123,403	$3.3M	1.69%
17	DFSDDIMENSIONAL SHORT-DURATION FIXED INCOME ETF	63,401	$3.0M	1.55%
18	DUSBDIMENSIONAL ULTRASHORT FIXED INCOME ETF	54,522	$2.8M	1.40%
19	AAPLAPPLE INC COM	10,100	$2.5M	1.27%
20	DFAWDIMENSIONAL WORLD EQUITY ETF	26,873	$2.0M	1.04%
21	DFAUDIMENSIONAL US CORE EQUITY MARKET ETF	40,518	$1.9M	0.98%
22	DFISDIMENSIONAL INTERNATIONAL SMALL CAP ETF	54,241	$1.9M	0.95%
23	DFARDIMENSIONAL US REAL ESTATE ETF	75,893	$1.8M	0.91%
24	BUFFINNOVATOR LADDERED ALLOCATION POWER BUFFER ETF	33,874	$1.7M	0.86%
25	NVDANVIDIA CORPORATION COM	8,610	$1.6M	0.80%
26	XDSQINNOVATOR US EQUITY ACCELERATED ETF	36,974	$1.5M	0.79%
27	DFIPDIMENSIONAL INFLATION-PROTECTED SECURITIES ETF	33,260	$1.4M	0.70%
28	DFAIDIMENSIONAL INTERNATIONAL CORE EQUITY MARKET ETF	33,779	$1.3M	0.68%
29	MSFTMICROSOFT CORP COM	2,913	$1.3M	0.66%
30	GOOGLALPHABET INC CAP STK CL A	3,875	$1.3M	0.65%
31	FEMRFIDELITY ENHANCED LARGE CAP VALUE ETF	34,146	$1.2M	0.62%
32	AMZNAMAZON COM INC COM	5,069	$1.2M	0.60%
33	SPYSPDR S&P 500 ETF TRUST	1,496	$1.0M	0.52%
34	DCORDIMENSIONAL US CORE EQUITY 1 ETF	11,163	$837K	0.43%
35	TSLATESLA INC COM	1,932	$833K	0.42%
36	XBAPINNOVATOR U.S. EQUITY ACCELERATED 9 BUFFER ETF - APRIL	20,011	$775K	0.39%
37	LLYELI LILLY & CO COM	714	$770K	0.39%
38	NLRVANECK URANIUM AND NUCLEAR ETF	4,652	$702K	0.36%
39	CATCATERPILLAR INC COM	1,076	$694K	0.35%
40	AVGOBROADCOM INC COM	2,058	$676K	0.34%
41	VTIVANGUARD TOTAL STOCK MARKET ETF	1,986	$673K	0.34%
42	SLYVSTATE STREET SPDR S&P 600 SMALL CAP VALUE ETF	6,802	$671K	0.34%
43	IJSISHARES S&P SMALL-CAP 600 VALUE ETF	5,367	$660K	0.34%
44	SPYVSTATE STREET SPDR PORTFOLIO S&P 500 VALUE ETF	11,264	$653K	0.33%
45	IVVISHARES CORE S&P 500 ETF	911	$626K	0.32%
46	JNJJOHNSON & JOHNSON COM	2,802	$610K	0.31%
47	GWXSPDR S&P INTERNATIONAL SMALL CAP ETF	13,911	$594K	0.30%
48	DXUVDIMENSIONAL US VECTOR EQUITY ETF	8,911	$551K	0.28%
49	VBVANGUARD SMALL-CAP ETF	1,869	$517K	0.26%
50	SPTMSTATE STREET SPDR PORTFOLIO S&P 1500 COMPOSITE STOCK MARKET ETF	6,106	$508K	0.26%
51	CWISPDR MSCI ACWI EX-US ETF	13,580	$505K	0.26%
52	XTAPINNOVATOR U.S. EQUITY ACCELERATED PLUS ETF	12,173	$496K	0.25%
53	GOOGALPHABET INC CAP STK CL C	1,492	$489K	0.25%
54	IBMINTERNATIONAL BUSINESS MACHS COM	1,605	$477K	0.24%
55	DDTOINNOVATOR DEFINED WEALTH SHIELD ETF	13,920	$467K	0.24%
56	BSVVANGUARD SHORT-TERM BOND ETF	5,753	$453K	0.23%
57	METAMETA PLATFORMS INC CL A	709	$434K	0.22%
58	SPYMSTATE STREET SPDR PORTFOLIO S&P 500 ETF	84,950	$427K	0.22%
59	XBOCINNOVATOR U.S. EQUITY ACCELERATED 9 BUFFER ETF - OCTOBER	12,277	$413K	0.21%
60	XOMEXXON MOBIL CORP COM	3,021	$403K	0.20%
61	HSYHERSHEY CO COM	2,018	$395K	0.20%
62	JPMJPMORGAN CHASE & CO. COM	1,294	$390K	0.20%
63	IJANINNOVATOR INTERNATIONAL DEVELOPED POWER BUFFER ETF - JANUARY	10,598	$388K	0.20%
64	WMTWALMART INC COM	3,239	$386K	0.20%
65	CVXCHEVRON CORP NEW COM	2,317	$386K	0.20%
66	VONVVANGUARD RUSSELL 1000 VALUE ETF	3,961	$380K	0.19%
67	VEAVANGUARD FTSE DEVELOPED MARKETS ETF	5,846	$380K	0.19%
68	XLKSTATE STREET TECHNOLOGY SELECT SECTOR SPDR ETF	2,600	$373K	0.19%
69	BRK/BBERKSHIRE HATHAWAY INC DEL CL B NEW	765	$370K	0.19%
70	MPLXMPLX LP COM UNIT REP LTD	6,420	$357K	0.18%
71	VBRVANGUARD SMALL CAP VALUE ETF	1,486	$337K	0.17%
72	DFAEDIMENSIONAL EMERGING CORE EQUITY MARKET ETF	9,649	$332K	0.17%
73	SPSMSTATE STREET SPDR PORTFOLIO S&P 600 SMALL CAP ETF	6,491	$328K	0.17%
74	DXIVDIMENSIONAL INTERNATIONAL VECTOR EQUITY ETF	4,809	$324K	0.16%
75	VTVVANGUARD VALUE ETF	1,629	$323K	0.16%
76	IVWISHARES S&P 500 GROWTH ETF	2,500	$305K	0.15%
77	SPEMSPDR PORTFOLIO EMERGING MARKETS ETF	6,062	$295K	0.15%
78	ORCLORACLE CORP COM	1,607	$279K	0.14%
79	BSXBOSTON SCIENTIFIC CORP COM	3,045	$279K	0.14%
80	DLSWISDOMTREE INTERNATIONAL SMALLCAP DIVIDEND FUND	3,329	$276K	0.14%
81	KOCOCA COLA CO COM	3,819	$275K	0.14%
82	NFLXNETFLIX INC. COM	3,210	$274K	0.14%
83	PGPROCTER & GAMBLE CO COM	1,821	$265K	0.13%
84	SCHKSCHWAB 1000 INDEX ETF	7,860	$259K	0.13%
85	VWOVANGUARD FTSE EMERGING MARKETS ETF	4,492	$252K	0.13%
86	XTJAINNOVATOR U.S. EQUITY ACCELERATED PLUS ETF - JANUARY	7,493	$237K	0.12%
87	DFSIDIMENSIONAL INTERNATIONAL SUSTAINABILITY CORE 1 ETF	5,341	$236K	0.12%
88	VIGVANGUARD DIVIDEND APPRECIATION ETF	1,037	$232K	0.12%
89	COSTCOSTCO WHOLESALE CORPORATION COM	234	$229K	0.12%
90	XBJAINNOVATOR U.S. EQUITY ACCELERATED 9 BUFFER ETF - JANUARY	7,106	$228K	0.12%
91	FBTCFIDELITY WISE ORIGIN BITCOIN FUND	2,872	$225K	0.11%
92	VVISA INC COM CL A	690	$224K	0.11%
93	PWRQUANTA SVCS INC COM	460	$217K	0.11%
94	NUENUCOR CORP COM	1,164	$209K	0.11%
95	CLCOLGATE PALMOLIVE CO COM	2,397	$203K	0.10%
96	TQQQPROSHARES ULTRAPRO QQQ	154,444	$154K	0.08%
97	FSCOFS CREDIT OPPORTUNITIES CORP COMMON STOCK	16,626	$106K	0.05%
98	NSPRINSPIREMD INC COM	42,425	$68K	0.03%