Williams Financial, LLC Quant / Systematic

CIK: 0001846923 · Show all filings

Period: Q4 2025 (← Previous)

Filing Date: Feb 2, 2026

Total Value ($000): $172,844 (100.0% shares, 0.0% debt)

Holdings (24)

New Positions (14)

MINT PIMCO ETF TR 9.2%

Value ($000) $15,866 Shares 158,125 Est. Cost $100.34 Unrealized —

FNDX SCHWAB STRATEGIC TR 8.5%

Value ($000) $14,741 Shares 541,764 Est. Cost $27.21 Unrealized —

VEU VANGUARD INTL EQUITY INDEX 8.2%

Value ($000) $14,206 Shares 193,124 Est. Cost $73.56 Unrealized —

DGRW WISDOMTREE TR 7.3%

Value ($000) $12,537 Shares 140,193 Est. Cost $89.43 Unrealized —

FNDF SCHWAB STRATEGIC TR 4.5%

Value ($000) $7,794 Shares 172,386 Est. Cost $45.21 Unrealized —

SCHP SCHWAB STRATEGIC TR 3.3%

Value ($000) $5,720 Shares 215,919 Est. Cost $26.49 Unrealized —

SCHH SCHWAB STRATEGIC TR 2.8%

Value ($000) $4,825 Shares 230,952 Est. Cost $20.89 Unrealized —

VCIT VANGUARD SCOTTSDALE FDS 2.1%

Value ($000) $3,707 Shares 44,268 Est. Cost $83.75 Unrealized —

DFIS DIMENSIONAL ETF TRUST 2.1%

Value ($000) $3,701 Shares 112,366 Est. Cost $32.94 Unrealized —

SMLF ISHARES TR 2.1%

Value ($000) $3,643 Shares 48,655 Est. Cost $74.88 Unrealized —

SCHR SCHWAB STRATEGIC TR 1.6%

Value ($000) $2,843 Shares 113,341 Est. Cost $25.08 Unrealized —

SJNK SPDR SERIES TRUST 1.6%

Value ($000) $2,780 Shares 109,780 Est. Cost $25.32 Unrealized —

SCHE SCHWAB STRATEGIC TR 1.5%

Value ($000) $2,515 Shares 76,782 Est. Cost $32.75 Unrealized —

FNDA SCHWAB STRATEGIC TR 1.0%

Value ($000) $1,781 Shares 56,523 Est. Cost $31.51 Unrealized —

Ticker	Issuer	Shares	Value ($000)	%	Est. Cost	Unrealized	Class	CUSIP
MINT	PIMCO ETF TR	158,125	$15,866	9.2%	$100.34	—	ENHAN SHRT MA AC	72201R833
FNDX	SCHWAB STRATEGIC TR	541,764	$14,741	8.5%	$27.21	—	FUNDAMENTAL US L	808524771
VEU	VANGUARD INTL EQUITY INDEX	193,124	$14,206	8.2%	$73.56	—	ALLWRLD EX US	922042775
DGRW	WISDOMTREE TR	140,193	$12,537	7.3%	$89.43	—	US QTLY DIV GRT	97717X669
FNDF	SCHWAB STRATEGIC TR	172,386	$7,794	4.5%	$45.21	—	FUNDAMENTAL INTL	808524755
SCHP	SCHWAB STRATEGIC TR	215,919	$5,720	3.3%	$26.49	—	US TIPS ETF	808524870
SCHH	SCHWAB STRATEGIC TR	230,952	$4,825	2.8%	$20.89	—	US REIT ETF	808524847
VCIT	VANGUARD SCOTTSDALE FDS	44,268	$3,707	2.1%	$83.75	—	INT-TERM CORP	92206C870
DFIS	DIMENSIONAL ETF TRUST	112,366	$3,701	2.1%	$32.94	—	INTL SMALL CAP E	25434V773
SMLF	ISHARES TR	48,655	$3,643	2.1%	$74.88	—	US SML CAP EQT	46434V290
SCHR	SCHWAB STRATEGIC TR	113,341	$2,843	1.6%	$25.08	—	INT-TRM U.S TRES	808524854
SJNK	SPDR SERIES TRUST	109,780	$2,780	1.6%	$25.32	—	STATE STREET SPD	78468R408
SCHE	SCHWAB STRATEGIC TR	76,782	$2,515	1.5%	$32.75	—	EMRG MKTEQ ETF	808524706
FNDA	SCHWAB STRATEGIC TR	56,523	$1,781	1.0%	$31.51	—	FUNDAMENTAL US S	808524763

Increased Positions (3)

JPIE J P MORGAN EXCHANGE TRADED 28.2%

Value ($000) $48,776 (+130.4%) Shares 1,053,702 (+131.0%) Est. Cost $46.21 Unrealized —

IVV ISHARES TR 13.0%

Value ($000) $22,549 (+117.7%) Shares 32,921 (+112.7%) Est. Cost $677.59 Unrealized —

MSFT MICROSOFT CORP 0.2%

Value ($000) $415 (-4.3%) Shares 858 (+2.5%) Est. Cost $445.53 Unrealized +12.4%

Ticker	Issuer	Shares	Value ($000)	%	Est. Cost	Unrealized	Class	CUSIP
JPIE	J P MORGAN EXCHANGE TRADED	1,053,702 (+131.0%)	$48,776 (+130.4%)	28.2%	$46.21	—	INCOME ETF	46641Q159
IVV	ISHARES TR	32,921 (+112.7%)	$22,549 (+117.7%)	13.0%	$677.59	—	CORE S&P500 ETF	464287200
MSFT	MICROSOFT CORP	858 (+2.5%)	$415 (-4.3%)	0.2%	$445.53	+12.4%	COM	594918104

Exited Positions (7)

SCHO SCHWAB STRATEGIC TR 13.3%

Value ($000) $23,067 Shares 945,377 Est. Cost $34.00 Unrealized —

SPYV SPDR SERIES TRUST 11.3%

Value ($000) $19,569 Shares 353,680 Est. Cost $50.15 Unrealized —

DBEF DBX ETF TR 9.8%

Value ($000) $16,944 Shares 365,019 Est. Cost $41.38 Unrealized —

SCHM SCHWAB STRATEGIC TR 0.3%

Value ($000) $484 Shares 16,328 Est. Cost $29.64 Unrealized —

BRK/B BERKSHIRE HATHAWAY INC DEL 0.2%

Value ($000) $278 Shares 552 Est. Cost $484.36 Unrealized +2.7%

SCHA SCHWAB STRATEGIC TR 0.1%

Value ($000) $249 Shares 8,911 Est. Cost $27.90 Unrealized —

GBTC GRAYSCALE BITCOIN TRUST ETF 0.1%

Value ($000) $207 Shares 2,307 Est. Cost $89.77 Unrealized —

Ticker	Issuer	Shares	Value ($000)	%	Est. Cost	Unrealized	Class	CUSIP
SCHO	SCHWAB STRATEGIC TR	945,377	$23,067	13.3%	$34.00	—	—	808524862
SPYV	SPDR SERIES TRUST	353,680	$19,569	11.3%	$50.15	—	—	78464A508
DBEF	DBX ETF TR	365,019	$16,944	9.8%	$41.38	—	—	233051200
SCHM	SCHWAB STRATEGIC TR	16,328	$484	0.3%	$29.64	—	—	808524508
BRK/B	BERKSHIRE HATHAWAY INC DEL	552	$278	0.2%	$484.36	+2.7%	—	084670702
SCHA	SCHWAB STRATEGIC TR	8,911	$249	0.1%	$27.90	—	—	808524607
GBTC	GRAYSCALE BITCOIN TRUST ETF	2,307	$207	0.1%	$89.77	—	—	389637109

Decreased Positions (1)

AMZN AMAZON COM INC 0.1%

Value ($000) $243 (+3.8%) Shares 1,051 (-1.2%) Est. Cost $226.35 Unrealized +1.1%

Ticker	Issuer	Shares	Value ($000)	%	Est. Cost	Unrealized	Class	CUSIP
AMZN	AMAZON COM INC	1,051 (-1.2%)	$243 (+3.8%)	0.1%	$226.35	+1.1%	COM	023135106

Unchanged Positions (6)

AAPL APPLE INC 1.2%

Value ($000) $2,146 Shares 7,892 Est. Cost $213.07 Unrealized +25.9%

XOM EXXON MOBIL CORP 0.4%

Value ($000) $706 Shares 5,866 Est. Cost $109.70 Unrealized +5.3%

TD TORONTO DOMINION BK ONT 0.2%

Value ($000) $296 Shares 3,146 Est. Cost $58.22 Unrealized +45.0%

CVS CVS HEALTH CORP 0.3%

Value ($000) $557 Shares 7,020 Est. Cost $56.66 Unrealized +38.9%

SYY SYSCO CORP 0.1%

Value ($000) $220 Shares 2,979 Est. Cost $78.85 Unrealized -4.2%

IBM INTERNATIONAL BUSINESS 0.2%

Value ($000) $279 Shares 941 Est. Cost $240.84 Unrealized +24.1%

Ticker	Issuer	Shares	Value ($000)	%	Est. Cost	Unrealized	Class	CUSIP
AAPL	APPLE INC	7,892	$2,146	1.2%	$213.07	+25.9%	COM	037833100
XOM	EXXON MOBIL CORP	5,866	$706	0.4%	$109.70	+5.3%	COM	30231G102
TD	TORONTO DOMINION BK ONT	3,146	$296	0.2%	$58.22	+45.0%	COM NEW	891160509
CVS	CVS HEALTH CORP	7,020	$557	0.3%	$56.66	+38.9%	COM	126650100
SYY	SYSCO CORP	2,979	$220	0.1%	$78.85	-4.2%	COM	871829107
IBM	INTERNATIONAL BUSINESS	941	$279	0.2%	$240.84	+24.1%	COM	459200101