PENNEY FINANCIAL, LLC Long-Term Concentrated

Location: Houston, TX

CIK: 0002049857 · Show all filings

Period: Q4 2023 (Next →)

Filing Date: Dec 26, 2024

Total Value: $121M (100.0% shares, 0.0% debt)

Holdings (31)

GSLC GOLDMAN SACHS ETF TR 30.5%

Value $36.91M Shares 393,422 Share Price $93.81 Est. Cost/Share $87.85 Unrealized @ Report Date +6.8%

VTI VANGUARD INDEX FDS 20.0%

Value $24.16M Shares 101,856 Share Price $237.22 Est. Cost/Share $221.08 Unrealized @ Report Date +7.3%

VEA VANGUARD TAX-MANAGED FDS 10.5%

Value $12.7M Shares 265,032 Share Price $47.90 Est. Cost/Share $44.76 Unrealized @ Report Date +7.0%

VYM VANGUARD WHITEHALL FDS 7.2%

Value $8.696M Shares 77,903 Share Price $111.63 Est. Cost/Share $105.07 Unrealized @ Report Date +6.2%

VB VANGUARD INDEX FDS 4.6%

Value $5.598M Shares 26,239 Share Price $213.33 Est. Cost/Share $192.68 Unrealized @ Report Date +10.7%

SCHD SCHWAB STRATEGIC TR 4.6%

Value $5.572M Shares 73,189 Share Price $76.13 * Est. Cost/Share $23.83 Unrealized @ Report Date +6.5%

IEFA ISHARES TR 4.3%

Value $5.237M Shares 74,442 Share Price $70.35 Est. Cost/Share $65.91 Unrealized @ Report Date +6.7%

JEPI J P MORGAN EXCHANGE TRADED F 3.7%

Value $4.45M Shares 80,940 Share Price $54.98 Est. Cost/Share $53.92 Unrealized @ Report Date +2.0%

VXUS VANGUARD STAR FDS 1.9%

Value $2.323M Shares 40,085 Share Price $57.96 Est. Cost/Share $54.60 Unrealized @ Report Date +6.2%

SUB ISHARES TR 1.5%

Value $1.866M Shares 17,699 Share Price $105.43 Est. Cost/Share $104.02 Unrealized @ Report Date +1.4%

AAPL APPLE INC 1.2%

Value $1.487M Shares 7,723 Share Price $192.54 Est. Cost/Share $182.81 Unrealized @ Report Date +4.3%

VTEB VANGUARD MUN BD FDS 1.1%

Value $1.384M Shares 27,117 Share Price $51.05 Est. Cost/Share $49.03 Unrealized @ Report Date +4.1%

SCHB SCHWAB STRATEGIC TR 1.0%

Value $1.268M Shares 22,782 Share Price $55.67 * Est. Cost/Share $17.27 Unrealized @ Report Date +7.4%

HELO J P MORGAN EXCHANGE TRADED F 0.9%

Value $1.076M Shares 20,354 Share Price $52.88 Est. Cost/Share $51.24 Unrealized @ Report Date +3.2%

AGG ISHARES TR 0.9%

Value $1.055M Shares 10,631 Share Price $99.25 Est. Cost/Share $95.17 Unrealized @ Report Date +4.3%

CVX CHEVRON CORP NEW 0.7%

Value $895K Shares 5,998 Share Price $149.15 * Est. Cost/Share $137.80 Unrealized @ Report Date -0.8%

NSP INSPERITY INC 0.7%

Value $818K Shares 6,976 Share Price $117.22 * Est. Cost/Share $100.47 Unrealized @ Report Date +8.7%

IVV ISHARES TR 0.6%

Value $766K Shares 1,604 Share Price $477.63 Est. Cost/Share $447.60 Unrealized @ Report Date +6.7%

IWB ISHARES TR 0.5%

Value $624K Shares 2,380 Share Price $262.26 Est. Cost/Share $244.85 Unrealized @ Report Date +7.1%

JQUA J P MORGAN EXCHANGE TRADED F 0.5%

Value $605K Shares 12,637 Share Price $47.86 Est. Cost/Share $44.90 Unrealized @ Report Date +6.6%

MSFT MICROSOFT CORP 0.5%

Value $598K Shares 1,589 Share Price $376.04 Est. Cost/Share $350.36 Unrealized @ Report Date +5.8%

IWM ISHARES TR 0.4%

Value $447K Shares 2,228 Share Price $200.71 Est. Cost/Share $179.15 Unrealized @ Report Date +12.0%

GVA GRANITE CONSTR INC 0.4%

Value $440K Shares 8,647 Share Price $50.86 Est. Cost/Share $43.61 Unrealized @ Report Date +16.6%

AMZN AMAZON COM INC 0.3%

Value $371K Shares 2,444 Share Price $151.94 Est. Cost/Share $140.18 Unrealized @ Report Date +8.4%

DFCF DIMENSIONAL ETF TRUST 0.3%

Value $363K Shares 8,570 Share Price $42.40 Est. Cost/Share $40.90 Unrealized @ Report Date +3.7%

FDX FEDEX CORP 0.2%

Value $295K Shares 1,165 Share Price $252.97 * Est. Cost/Share $242.32 Unrealized @ Report Date -0.1%

IJH ISHARES TR 0.2%

Value $264K Shares 951 Share Price $277.15 * Est. Cost/Share $50.72 Unrealized @ Report Date +9.3%

BSV VANGUARD BD INDEX FDS 0.2%

Value $225K Shares 2,918 Share Price $77.02 Est. Cost/Share $75.70 Unrealized @ Report Date +1.7%

EIX EDISON INTL 0.2%

Value $214K Shares 3,000 Share Price $71.49 * Est. Cost/Share $59.52 Unrealized @ Report Date +10.0%

VXF VANGUARD INDEX FDS 0.2%

Value $205K Shares 1,248 Share Price $164.42 Est. Cost/Share $146.96 Unrealized @ Report Date +11.9%

— GLATFELTER CORPORATION 0.0%

Value $19,400 Shares 10,000 Share Price $1.94 Est. Cost/Share $1.94 Unrealized @ Report Date —

Ticker	Issuer	Shares	Value	%	Share Price	Est. Cost/Share	Unrealized @ Report Date	Class	CUSIP
GSLC	GOLDMAN SACHS ETF TR	393,422	$36.91M	30.5%	$93.81	$87.85	+6.8%	ACTIVEBETA US LG	381430503
VTI	VANGUARD INDEX FDS	101,856	$24.16M	20.0%	$237.22	$221.08	+7.3%	TOTAL STK MKT	922908769
VEA	VANGUARD TAX-MANAGED FDS	265,032	$12.7M	10.5%	$47.90	$44.76	+7.0%	VAN FTSE DEV MKT	921943858
VYM	VANGUARD WHITEHALL FDS	77,903	$8.696M	7.2%	$111.63	$105.07	+6.2%	HIGH DIV YLD	921946406
VB	VANGUARD INDEX FDS	26,239	$5.598M	4.6%	$213.33	$192.68	+10.7%	SMALL CP ETF	922908751
SCHD	SCHWAB STRATEGIC TR	73,189	$5.572M	4.6%	$76.13 *	$23.83	+6.5%	US DIVIDEND EQ	808524797
IEFA	ISHARES TR	74,442	$5.237M	4.3%	$70.35	$65.91	+6.7%	CORE MSCI EAFE	46432F842
JEPI	J P MORGAN EXCHANGE TRADED F	80,940	$4.45M	3.7%	$54.98	$53.92	+2.0%	EQUITY PREMIUM	46641Q332
VXUS	VANGUARD STAR FDS	40,085	$2.323M	1.9%	$57.96	$54.60	+6.2%	VG TL INTL STK F	921909768
SUB	ISHARES TR	17,699	$1.866M	1.5%	$105.43	$104.02	+1.4%	SHRT NAT MUN ETF	464288158
AAPL	APPLE INC	7,723	$1.487M	1.2%	$192.54	$182.81	+4.3%	COM	037833100
VTEB	VANGUARD MUN BD FDS	27,117	$1.384M	1.1%	$51.05	$49.03	+4.1%	TAX EXEMPT BD	922907746
SCHB	SCHWAB STRATEGIC TR	22,782	$1.268M	1.0%	$55.67 *	$17.27	+7.4%	US BRD MKT ETF	808524102
HELO	J P MORGAN EXCHANGE TRADED F	20,354	$1.076M	0.9%	$52.88	$51.24	+3.2%	HEDGED EQUITY LA	46654Q724
AGG	ISHARES TR	10,631	$1.055M	0.9%	$99.25	$95.17	+4.3%	CORE US AGGBD ET	464287226
CVX	CHEVRON CORP NEW	5,998	$895K	0.7%	$149.15 *	$137.80	-0.8%	COM	166764100
NSP	INSPERITY INC	6,976	$818K	0.7%	$117.22 *	$100.47	+8.7%	COM	45778Q107
IVV	ISHARES TR	1,604	$766K	0.6%	$477.63	$447.60	+6.7%	CORE S&P500 ETF	464287200
IWB	ISHARES TR	2,380	$624K	0.5%	$262.26	$244.85	+7.1%	RUS 1000 ETF	464287622
JQUA	J P MORGAN EXCHANGE TRADED F	12,637	$605K	0.5%	$47.86	$44.90	+6.6%	US QUALTY FCTR	46641Q761
MSFT	MICROSOFT CORP	1,589	$598K	0.5%	$376.04	$350.36	+5.8%	COM	594918104
IWM	ISHARES TR	2,228	$447K	0.4%	$200.71	$179.15	+12.0%	RUSSELL 2000 ETF	464287655
GVA	GRANITE CONSTR INC	8,647	$440K	0.4%	$50.86	$43.61	+16.6%	COM	387328107
AMZN	AMAZON COM INC	2,444	$371K	0.3%	$151.94	$140.18	+8.4%	COM	023135106
DFCF	DIMENSIONAL ETF TRUST	8,570	$363K	0.3%	$42.40	$40.90	+3.7%	CORE FIXED INCOM	25434V872
FDX	FEDEX CORP	1,165	$295K	0.2%	$252.97 *	$242.32	-0.1%	COM	31428X106
IJH	ISHARES TR	951	$264K	0.2%	$277.15 *	$50.72	+9.3%	CORE S&P MCP ETF	464287507
BSV	VANGUARD BD INDEX FDS	2,918	$225K	0.2%	$77.02	$75.70	+1.7%	SHORT TRM BOND	921937827
EIX	EDISON INTL	3,000	$214K	0.2%	$71.49 *	$59.52	+10.0%	COM	281020107
VXF	VANGUARD INDEX FDS	1,248	$205K	0.2%	$164.42	$146.96	+11.9%	EXTEND MKT ETF	922908652
—	GLATFELTER CORPORATION	10,000	$19,400	0.0%	$1.94	$1.94	—	COM	377320106