PENNEY FINANCIAL, LLC Long-Term Concentrated

Location: Houston, TX

CIK: 0002049857 · Show all filings

Period: Q2 2025 (← Previous) (Next →)

Filing Date: Jul 23, 2025

Total Value: $197M (100.0% shares, 0.0% debt)

Holdings (42)

GSLC GOLDMAN SACHS ETF TR 26.4%

Value $51.93M Shares 427,800 Est. Cost $96.85 Unrealized —

VTI VANGUARD INDEX FDS 17.8%

Value $34.98M Shares 115,101 Est. Cost $242.10 Unrealized —

VEA VANGUARD TAX-MANAGED FDS 8.9%

Value $17.56M Shares 308,048 Est. Cost $48.44 Unrealized —

IEFA ISHARES TR 4.3%

Value $8.52M Shares 102,057 Est. Cost $71.94 Unrealized —

SGOV ISHARES TR 4.1%

Value $8.052M Shares 79,966 Est. Cost $100.69 Unrealized —

JPIE J P MORGAN EXCHANGE TRADED F 4.0%

Value $7.9M Shares 170,545 Est. Cost $46.32 Unrealized —

SCHD SCHWAB STRATEGIC TR 4.0%

Value $7.855M Shares 296,404 Est. Cost $42.48 Unrealized —

VYM VANGUARD WHITEHALL FDS 3.8%

Value $7.571M Shares 56,791 Est. Cost $112.97 Unrealized —

EVTR MORGAN STANLEY ETF TRUST 2.9%

Value $5.754M Shares 113,122 Est. Cost $50.87 Unrealized —

VCRB VANGUARD MALVERN FDS 2.9%

Value $5.728M Shares 73,828 Est. Cost $77.58 Unrealized —

VB VANGUARD INDEX FDS 2.8%

Value $5.512M Shares 23,260 Est. Cost $214.72 Unrealized —

JEPI J P MORGAN EXCHANGE TRADED F 2.5%

Value $4.908M Shares 86,324 Est. Cost $55.17 Unrealized —

AGG ISHARES TR 2.0%

Value $3.984M Shares 40,166 Est. Cost $99.18 Unrealized —

HELO J P MORGAN EXCHANGE TRADED F 1.8%

Value $3.579M Shares 57,198 Est. Cost $56.16 Unrealized —

VTEB VANGUARD MUN BD FDS 1.4%

Value $2.674M Shares 54,532 Est. Cost $50.04 Unrealized —

VXUS VANGUARD STAR FDS 1.3%

Value $2.601M Shares 37,649 Est. Cost $58.08 Unrealized —

SCHB SCHWAB STRATEGIC TR 1.3%

Value $2.484M Shares 104,248 Est. Cost $25.59 Unrealized —

SUB ISHARES TR 1.3%

Value $2.468M Shares 23,205 Est. Cost $105.33 Unrealized —

AAPL APPLE INC 0.8%

Value $1.633M Shares 7,958 Est. Cost $183.66 Unrealized +9.7%

IVV ISHARES TR 0.6%

Value $1.151M Shares 1,854 Est. Cost $487.28 Unrealized —

MSFT MICROSOFT CORP 0.4%

Value $864K Shares 1,736 Est. Cost $356.50 Unrealized +21.3%

IWB ISHARES TR 0.4%

Value $808K Shares 2,380 Est. Cost $262.26 Unrealized —

CVX CHEVRON CORP NEW 0.4%

Value $764K Shares 5,335 Est. Cost $137.80 Unrealized -0.6%

JQUA J P MORGAN EXCHANGE TRADED F 0.4%

Value $717K Shares 11,943 Est. Cost $47.86 Unrealized —

LNG CHENIERE ENERGY INC 0.3%

Value $664K Shares 2,725 Est. Cost $203.03 Unrealized +14.1%

AMZN AMAZON COM INC 0.3%

Value $627K Shares 2,859 Est. Cost $148.09 Unrealized +33.6%

SHYM BLACKROCK ETF TRUST II 0.3%

Value $609K Shares 27,300 Est. Cost $22.31 Unrealized —

VOO VANGUARD INDEX FDS 0.3%

Value $524K Shares 923 Est. Cost $527.46 Unrealized —

IWM ISHARES TR 0.2%

Value $475K Shares 2,203 Est. Cost $200.71 Unrealized —

IWF ISHARES TR 0.2%

Value $468K Shares 1,103 Est. Cost $364.51 Unrealized —

NSP INSPERITY INC 0.2%

Value $419K Shares 6,976 Est. Cost $100.47 Unrealized -32.9%

GVA GRANITE CONSTR INC 0.2%

Value $341K Shares 3,647 Est. Cost $43.61 Unrealized +93.2%

EQNR EQUINOR ASA 0.2%

Value $334K Shares 13,297 Est. Cost $27.03 Unrealized —

BSV VANGUARD BD INDEX FDS 0.2%

Value $309K Shares 3,930 Est. Cost $76.88 Unrealized —

KMI KINDER MORGAN INC DEL 0.1%

Value $276K Shares 9,381 Est. Cost $19.86 Unrealized +34.8%

AVGO BROADCOM INC 0.1%

Value $276K Shares 1,000 Est. Cost $215.92 Unrealized 0.0%

FDX FEDEX CORP 0.1%

Value $262K Shares 1,152 Est. Cost $242.32 Unrealized -11.2%

IJH ISHARES TR 0.1%

Value $259K Shares 4,175 Est. Cost $104.72 Unrealized —

SCHX SCHWAB STRATEGIC TR 0.1%

Value $240K Shares 9,816 Est. Cost $36.14 Unrealized —

V VISA INC 0.1%

Value $229K Shares 645 Est. Cost $298.33 Unrealized +16.3%

CWI SPDR INDEX SHS FDS 0.1%

Value $214K Shares 6,540 Est. Cost $32.66 Unrealized —

JPM JPMORGAN CHASE & CO. 0.1%

Value $202K Shares 698 Est. Cost $252.67 Unrealized 0.0%

Ticker	Issuer	Shares	Value	%	Est. Cost	Unrealized	Class	CUSIP
GSLC	GOLDMAN SACHS ETF TR	427,800	$51.93M	26.4%	$96.85	—	ACTIVEBETA US LG	381430503
VTI	VANGUARD INDEX FDS	115,101	$34.98M	17.8%	$242.10	—	TOTAL STK MKT	922908769
VEA	VANGUARD TAX-MANAGED FDS	308,048	$17.56M	8.9%	$48.44	—	VAN FTSE DEV MKT	921943858
IEFA	ISHARES TR	102,057	$8.52M	4.3%	$71.94	—	CORE MSCI EAFE	46432F842
SGOV	ISHARES TR	79,966	$8.052M	4.1%	$100.69	—	0-3 MNTH TREASRY	46436E718
JPIE	J P MORGAN EXCHANGE TRADED F	170,545	$7.9M	4.0%	$46.32	—	INCOME ETF	46641Q159
SCHD	SCHWAB STRATEGIC TR	296,404	$7.855M	4.0%	$42.48	—	US DIVIDEND EQ	808524797
VYM	VANGUARD WHITEHALL FDS	56,791	$7.571M	3.8%	$112.97	—	HIGH DIV YLD	921946406
EVTR	MORGAN STANLEY ETF TRUST	113,122	$5.754M	2.9%	$50.87	—	EATON VANCE TOTA	61774R841
VCRB	VANGUARD MALVERN FDS	73,828	$5.728M	2.9%	$77.58	—	CORE BD ETF	922020748
VB	VANGUARD INDEX FDS	23,260	$5.512M	2.8%	$214.72	—	SMALL CP ETF	922908751
JEPI	J P MORGAN EXCHANGE TRADED F	86,324	$4.908M	2.5%	$55.17	—	EQUITY PREMIUM	46641Q332
AGG	ISHARES TR	40,166	$3.984M	2.0%	$99.18	—	CORE US AGGBD ET	464287226
HELO	J P MORGAN EXCHANGE TRADED F	57,198	$3.579M	1.8%	$56.16	—	HEDGED EQUITY LA	46654Q724
VTEB	VANGUARD MUN BD FDS	54,532	$2.674M	1.4%	$50.04	—	TAX EXEMPT BD	922907746
VXUS	VANGUARD STAR FDS	37,649	$2.601M	1.3%	$58.08	—	VG TL INTL STK F	921909768
SCHB	SCHWAB STRATEGIC TR	104,248	$2.484M	1.3%	$25.59	—	US BRD MKT ETF	808524102
SUB	ISHARES TR	23,205	$2.468M	1.3%	$105.33	—	SHRT NAT MUN ETF	464288158
AAPL	APPLE INC	7,958	$1.633M	0.8%	$183.66	+9.7%	COM	037833100
IVV	ISHARES TR	1,854	$1.151M	0.6%	$487.28	—	CORE S&P500 ETF	464287200
MSFT	MICROSOFT CORP	1,736	$864K	0.4%	$356.50	+21.3%	COM	594918104
IWB	ISHARES TR	2,380	$808K	0.4%	$262.26	—	RUS 1000 ETF	464287622
CVX	CHEVRON CORP NEW	5,335	$764K	0.4%	$137.80	-0.6%	COM	166764100
JQUA	J P MORGAN EXCHANGE TRADED F	11,943	$717K	0.4%	$47.86	—	US QUALTY FCTR	46641Q761
LNG	CHENIERE ENERGY INC	2,725	$664K	0.3%	$203.03	+14.1%	COM NEW	16411R208
AMZN	AMAZON COM INC	2,859	$627K	0.3%	$148.09	+33.6%	COM	023135106
SHYM	BLACKROCK ETF TRUST II	27,300	$609K	0.3%	$22.31	—	ISHARES HIGH YIE	092528108
VOO	VANGUARD INDEX FDS	923	$524K	0.3%	$527.46	—	S&P 500 ETF SHS	922908363
IWM	ISHARES TR	2,203	$475K	0.2%	$200.71	—	RUSSELL 2000 ETF	464287655
IWF	ISHARES TR	1,103	$468K	0.2%	$364.51	—	RUS 1000 GRW ETF	464287614
NSP	INSPERITY INC	6,976	$419K	0.2%	$100.47	-32.9%	COM	45778Q107
GVA	GRANITE CONSTR INC	3,647	$341K	0.2%	$43.61	+93.2%	COM	387328107
EQNR	EQUINOR ASA	13,297	$334K	0.2%	$27.03	—	SPONSORED ADR	29446M102
BSV	VANGUARD BD INDEX FDS	3,930	$309K	0.2%	$76.88	—	SHORT TRM BOND	921937827
KMI	KINDER MORGAN INC DEL	9,381	$276K	0.1%	$19.86	+34.8%	COM	49456B101
AVGO	BROADCOM INC	1,000	$276K	0.1%	$215.92	0.0%	COM	11135F101
FDX	FEDEX CORP	1,152	$262K	0.1%	$242.32	-11.2%	COM	31428X106
IJH	ISHARES TR	4,175	$259K	0.1%	$104.72	—	CORE S&P MCP ETF	464287507
SCHX	SCHWAB STRATEGIC TR	9,816	$240K	0.1%	$36.14	—	US LRG CAP ETF	808524201
V	VISA INC	645	$229K	0.1%	$298.33	+16.3%	COM CL A	92826C839
CWI	SPDR INDEX SHS FDS	6,540	$214K	0.1%	$32.66	—	MSCI ACWI EXUS	78463X848
JPM	JPMORGAN CHASE & CO.	698	$202K	0.1%	$252.67	0.0%	COM	46625H100