Fund Universe

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☆PENNEY FINANCIAL, LLC

CIK 0002049857 · holdings for 2026Q2 (change vs 2026Q1) · in signal universe
Quality Q
0.185
AUM ($M)
286
Positions
53
Turnover
0.37
Top-10 wt
80%
Herfindahl
0.114
History (qtrs)
6
Excess Return
—

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Quarter
Activity this period
Security type

Holdings · 55 positions · portfolio value $286M

TickerNameActivitySecurity Type WeightΔ Weight Value ($M)SharesΔ Shares Qtrs HeldExcess Return
☆DFUS funds › DIMENSIONAL ETF TRUST NEW — 25.6% +25.6% 73.2 893,449 +893,449 1 —
☆VTI funds › VANGUARD INDEX FDS TRIM — 15.8% -0.0% 45.2 122,064 -6,353 5 —
☆VEA funds › VANGUARD TAX-MANAGED FDS TRIM — 8.5% +0.1% 24.4 342,359 -1,275 5 —
☆VCRB funds › VANGUARD MALVERN FDS ADD — 7.0% +4.3% 20.1 259,865 +167,952 5 —
☆SGOV funds › ISHARES TR TRIM — 5.5% -1.2% 15.6 155,055 -17,451 5 —
☆IEFA funds › ISHARES TR TRIM — 4.5% -0.4% 12.8 132,569 -7,495 5 —
☆JPIE funds › J P MORGAN EXCHANGE TRADED F ADD — 3.4% -0.3% 9.8 211,958 +3,359 5 —
☆VYM funds › VANGUARD WHITEHALL FDS TRIM — 3.3% -0.1% 9.5 60,279 -381 5 —
☆SCHD funds › SCHWAB STRATEGIC TR TRIM — 3.3% -0.4% 9.3 293,595 -14,596 5 —
☆VCRM funds › VANGUARD MUN BD FDS NEW — 3.0% +3.0% 8.7 113,444 +113,444 1 —
☆CGMU funds › CAPITAL GRP FIXED INCM ETF T ADD — 2.0% +0.1% 5.8 211,497 +26,382 4 —
☆JEPI funds › J P MORGAN EXCHANGE TRADED F ADD — 2.0% -0.2% 5.7 100,261 +641 5 —
☆JPST funds › J P MORGAN EXCHANGE TRADED F ADD — 1.5% +1.3% 4.3 84,243 +76,243 2 —
☆DFSD funds › DIMENSIONAL ETF TRUST NEW — 1.4% +1.4% 4.0 82,902 +82,902 1 —
☆VXUS funds › VANGUARD STAR FDS ADD — 1.3% +0.0% 3.6 42,475 +1,135 5 —
☆HELO funds › J P MORGAN EXCHANGE TRADED F TRIM — 1.2% -0.4% 3.6 52,887 -15,136 5 —
☆FLMI funds › FRANKLIN TEMPLETON ETF TR TRIM — 1.1% -1.7% 3.1 124,597 -168,418 4 —
☆SCHB funds › SCHWAB STRATEGIC TR TRIM — 1.0% -0.0% 3.0 102,649 -9,599 5 —
☆AAPL funds › APPLE INC ADD — 0.9% +0.0% 2.6 8,892 +3 5 —
☆VTEB funds › VANGUARD MUN BD FDS TRIM — 0.8% -0.6% 2.4 47,994 -30,072 5 —
☆DFNM funds › DIMENSIONAL ETF TRUST TRIM — 0.6% -1.2% 1.7 35,448 -61,580 4 —
☆VOO funds › VANGUARD INDEX FDS ADD — 0.5% +0.0% 1.5 2,211 +49 5 —
☆SUB funds › ISHARES TR TRIM — 0.5% -0.5% 1.3 12,607 -11,839 5 —
☆GPIX funds › GOLDMAN SACHS ETF TR NEW — 0.4% +0.4% 1.1 19,656 +19,656 1 —
☆IVV funds › ISHARES TR HOLD — 0.4% +0.0% 1.0 1,374 +0 5 —
☆LNG funds › CHENIERE ENERGY INC ADD — 0.4% +0.1% 1.0 4,221 +1,496 5 —
☆IWB funds › ISHARES TR HOLD — 0.3% +0.0% 1.0 2,380 +0 5 —
☆ITOT funds › ISHARES TR HOLD — 0.3% +0.0% 0.9 5,246 +0 4 —
☆GSLC funds › GOLDMAN SACHS ETF TR TRIM — 0.3% -22.6% 0.8 5,779 -471,942 5 —
☆JQUA funds › J P MORGAN EXCHANGE TRADED F HOLD — 0.3% +0.0% 0.8 11,343 +0 5 —
☆AMZN funds › AMAZON COM INC HOLD — 0.3% +0.0% 0.8 3,337 +0 5 —
☆CVX funds › CHEVRON CORPORATION HOLD — 0.3% -0.1% 0.7 4,349 +0 5 —
☆MSFT funds › MICROSOFT CORP HOLD — 0.2% -0.0% 0.7 1,861 +0 5 —
☆FLY funds › FIREFLY AEROSPACE INC HOLD — 0.2% -0.0% 0.7 22,793 +0 2 —
☆IWM funds › ISHARES TR HOLD — 0.2% +0.0% 0.7 2,203 +0 5 —
☆EVTR funds › MORGAN STANLEY ETF TRUST TRIM — 0.2% -2.5% 0.5 8,969 -130,053 5 —
☆GVA funds › GRANITE CONSTR INC TRIM — 0.1% -0.0% 0.3 2,000 -647 5 —
☆VUG funds › VANGUARD INDEX FDS ADD — 0.1% +0.0% 0.3 3,642 +3,035 4 —
☆VB funds › VANGUARD INDEX FDS TRIM — 0.1% -2.3% 0.3 1,005 -23,411 5 —
☆BSV funds › VANGUARD BD INDEX FDS TRIM — 0.1% -0.0% 0.3 3,830 -31 5 —
☆GOOGL funds › ALPHABET INC HOLD — 0.1% +0.0% 0.3 829 +0 3 —
☆SCHX funds › SCHWAB STRATEGIC TR HOLD — 0.1% +0.0% 0.3 9,816 +0 5 —
☆IJH funds › ISHARES TR HOLD — 0.1% +0.0% 0.3 3,575 +0 5 —
☆CWI funds › SPDR INDEX SHS FDS HOLD — 0.1% +0.0% 0.3 6,540 +0 5 —
☆VTV funds › VANGUARD INDEX FDS HOLD — 0.1% +0.0% 0.3 1,187 +0 2 —
☆CUSIP:30231G102 funds › EXXON MOBIL CORP HOLD — 0.1% -0.0% 0.2 1,697 +0 4 —
☆META funds › META PLATFORMS INC HOLD — 0.1% -0.0% 0.2 399 +0 4 —
☆BTI funds › BRITISH AMERN TOB PLC HOLD — 0.1% -0.0% 0.2 3,603 +0 3 —
☆V funds › VISA INC NEW — 0.1% +0.1% 0.2 645 +645 1 —
☆CAT funds › CATERPILLAR INC NEW — 0.1% +0.1% 0.2 202 +202 1 —
☆EQNR funds › EQUINOR ASA HOLD — 0.1% -0.0% 0.2 6,649 +0 5 —
☆JPM funds › JPMORGAN CHASE & CO NEW — 0.1% +0.1% 0.2 625 +625 1 —
☆AGG funds › ISHARES TR TRIM — 0.1% -1.7% 0.2 2,049 -43,205 5 —
☆FDX funds › FEDEX CORP EXIT — 0.0% -0.1% 0.0 0 -1,011 0 —
☆HDV funds › ISHARES TR EXIT — 0.0% -0.1% 0.0 0 -1,525 0 —

Point-in-time history

Each row is this fund as of that period, not as of today — what the scoring for that quarter actually saw.
PeriodAUM ($M)Positions TurnoverTop-10 wtHerfindahl Quality Q Skill Universe
2026Q2 286 53 0.37 80% 0.114 0.186 — in
2026Q1 261 48 0.03 75% 0.101 0.764 — in
2025Q4 259 49 0.06 76% 0.106 0.679 — in
2025Q3 223 49 0.05 78% 0.116 0.702 — in
2025Q2 197 42 0.17 79% 0.122 0.492 — entered
2025Q1 152 37 0.00 88% 0.151 0.000 — out
Long US-equity 13F disclosures only · up to 45-day reporting lag · sells = reduce/avoid, not short. JSON: /api/signals · /api/funds · /api/status