DEFINE FINANCIAL, LLC Long-Term Concentrated

CIK: 0002021320 · Show all filings

Period: Q4 2025 (← Previous)

Filing Date: Jan 13, 2026

Total Value ($000): $176,423 (100.0% shares, 0.0% debt)

Holdings (43)

New Positions (5)

MSI MOTOROLA SOLUTIONS INC 0.2%

Value ($000) $409 Shares 1,068 Est. Cost $400.79 Unrealized 0.0%

GOOGL ALPHABET INC 0.2%

Value ($000) $270 Shares 862 Est. Cost $285.60 Unrealized 0.0%

FRDM EA SERIES TRUST 0.1%

Value ($000) $255 Shares 4,975 Est. Cost $51.27 Unrealized —

PLTR PALANTIR TECHNOLOGIES INC 0.1%

Value ($000) $212 Shares 1,192 Est. Cost $181.03 Unrealized 0.0%

LCTX LINEAGE CELL THERAPEUTICS IN 0.0%

Value ($000) $33 Shares 20,000 Est. Cost $1.73 Unrealized 0.0%

Ticker	Issuer	Shares	Value ($000)	%	Est. Cost	Unrealized	Class	CUSIP
MSI	MOTOROLA SOLUTIONS INC	1,068	$409	0.2%	$400.79	0.0%	COM NEW	620076307
GOOGL	ALPHABET INC	862	$270	0.2%	$285.60	0.0%	CAP STK CL A	02079K305
FRDM	EA SERIES TRUST	4,975	$255	0.1%	$51.27	—	FREEDOM 100 EM	02072L607
PLTR	PALANTIR TECHNOLOGIES INC	1,192	$212	0.1%	$181.03	0.0%	CL A	69608A108
LCTX	LINEAGE CELL THERAPEUTICS IN	20,000	$33	0.0%	$1.73	0.0%	COM	53566P109

Increased Positions (14)

VTIP VANGUARD MALVERN FDS 14.3%

Value ($000) $25,244 (+12.5%) Shares 510,398 (+15.2%) Est. Cost $48.75 Unrealized —

AVUV AMERICAN CENTY ETF TR 14.3%

Value ($000) $25,258 (+6.3%) Shares 247,677 (+3.7%) Est. Cost $95.22 Unrealized —

VEU VANGUARD INTL EQUITY INDEX F 11.8%

Value ($000) $20,768 (+5.9%) Shares 282,321 (+2.7%) Est. Cost $58.09 Unrealized —

VTI VANGUARD INDEX FDS 13.2%

Value ($000) $23,319 (+4.3%) Shares 69,554 (+2.1%) Est. Cost $290.54 Unrealized —

VNQ VANGUARD INDEX FDS 10.3%

Value ($000) $18,096 (+5.0%) Shares 204,498 (+8.4%) Est. Cost $88.95 Unrealized —

AAPL APPLE INC 0.9%

Value ($000) $1,549 (+83.5%) Shares 5,699 (+71.9%) Est. Cost $247.06 Unrealized +8.6%

GOOG ALPHABET INC 0.4%

Value ($000) $694 (+32.5%) Shares 2,211 (+2.9%) Est. Cost $191.76 Unrealized +49.3%

VWO VANGUARD INTL EQUITY INDEX F 6.2%

Value ($000) $10,981 (+1.4%) Shares 204,263 (+2.2%) Est. Cost $44.38 Unrealized —

BRK/B BERKSHIRE HATHAWAY INC DEL 0.5%

Value ($000) $824 (+16.0%) Shares 1,640 (+16.1%) Est. Cost $467.52 Unrealized +6.4%

VOO VANGUARD INDEX FDS 0.3%

Value ($000) $530 (+9.7%) Shares 845 (+7.2%) Est. Cost $547.63 Unrealized —

IVV ISHARES TR 0.2%

Value ($000) $390 (+12.3%) Shares 570 (+9.8%) Est. Cost $611.33 Unrealized —

TSLA TESLA INC 0.2%

Value ($000) $352 (+8.0%) Shares 783 (+6.8%) Est. Cost $311.22 Unrealized +42.4%

COST COSTCO WHSL CORP NEW 0.2%

Value ($000) $352 (+6.3%) Shares 408 (+14.0%) Est. Cost $922.75 Unrealized -1.8%

VTV VANGUARD INDEX FDS 0.2%

Value ($000) $319 (+3.5%) Shares 1,668 (+1.0%) Est. Cost $169.95 Unrealized —

Ticker	Issuer	Shares	Value ($000)	%	Est. Cost	Unrealized	Class	CUSIP
VTIP	VANGUARD MALVERN FDS	510,398 (+15.2%)	$25,244 (+12.5%)	14.3%	$48.75	—	STRM INFPROIDX	922020805
AVUV	AMERICAN CENTY ETF TR	247,677 (+3.7%)	$25,258 (+6.3%)	14.3%	$95.22	—	US SML CP VALU	025072877
VEU	VANGUARD INTL EQUITY INDEX F	282,321 (+2.7%)	$20,768 (+5.9%)	11.8%	$58.09	—	ALLWRLD EX US	922042775
VTI	VANGUARD INDEX FDS	69,554 (+2.1%)	$23,319 (+4.3%)	13.2%	$290.54	—	TOTAL STK MKT	922908769
VNQ	VANGUARD INDEX FDS	204,498 (+8.4%)	$18,096 (+5.0%)	10.3%	$88.95	—	REAL ESTATE ETF	922908553
AAPL	APPLE INC	5,699 (+71.9%)	$1,549 (+83.5%)	0.9%	$247.06	+8.6%	COM	037833100
GOOG	ALPHABET INC	2,211 (+2.9%)	$694 (+32.5%)	0.4%	$191.76	+49.3%	CAP STK CL C	02079K107
VWO	VANGUARD INTL EQUITY INDEX F	204,263 (+2.2%)	$10,981 (+1.4%)	6.2%	$44.38	—	FTSE EMR MKT ETF	922042858
BRK/B	BERKSHIRE HATHAWAY INC DEL	1,640 (+16.1%)	$824 (+16.0%)	0.5%	$467.52	+6.4%	CL B NEW	084670702
VOO	VANGUARD INDEX FDS	845 (+7.2%)	$530 (+9.7%)	0.3%	$547.63	—	S&P 500 ETF SHS	922908363
IVV	ISHARES TR	570 (+9.8%)	$390 (+12.3%)	0.2%	$611.33	—	CORE S&P500 ETF	464287200
TSLA	TESLA INC	783 (+6.8%)	$352 (+8.0%)	0.2%	$311.22	+42.4%	COM	88160R101
COST	COSTCO WHSL CORP NEW	408 (+14.0%)	$352 (+6.3%)	0.2%	$922.75	-1.8%	COM	22160K105
VTV	VANGUARD INDEX FDS	1,668 (+1.0%)	$319 (+3.5%)	0.2%	$169.95	—	VALUE ETF	922908744

Exited Positions (2)

FSTA FIDELITY COVINGTON TRUST 0.1%

Value ($000) $219 Shares 4,389 Est. Cost $49.43 Unrealized —

GDX VANECK ETF TRUST 0.1%

Value ($000) $201 Shares 2,636 Est. Cost $76.39 Unrealized —

Ticker	Issuer	Shares	Value ($000)	%	Est. Cost	Unrealized	Class	CUSIP
FSTA	FIDELITY COVINGTON TRUST	4,389	$219	0.1%	$49.43	—	—	316092303
GDX	VANECK ETF TRUST	2,636	$201	0.1%	$76.39	—	—	92189F106

Decreased Positions (7)

AVDV AMERICAN CENTY ETF TR 13.5%

Value ($000) $23,828 (+1.6%) Shares 253,573 (-3.8%) Est. Cost $65.25 Unrealized —

MSFT MICROSOFT CORP 1.1%

Value ($000) $1,887 (-10.2%) Shares 3,902 (-3.9%) Est. Cost $441.60 Unrealized +13.4%

TTEK TETRA TECH INC NEW 0.2%

Value ($000) $393 (-23.2%) Shares 11,715 (-23.6%) Est. Cost $41.15 Unrealized -17.8%

NOBL PROSHARES TR 0.2%

Value ($000) $410 (-11.9%) Shares 3,937 (-12.8%) Est. Cost $99.74 Unrealized —

DFSU DIMENSIONAL ETF TRUST 0.3%

Value ($000) $556 (-4.9%) Shares 12,803 (-7.0%) Est. Cost $42.47 Unrealized —

DFSI DIMENSIONAL ETF TRUST 0.2%

Value ($000) $394 (-4.2%) Shares 9,199 (-8.4%) Est. Cost $40.95 Unrealized —

SPY SPDR S&P 500 ETF TR 0.8%

Value ($000) $1,345 (+0.5%) Shares 1,973 (-1.8%) Est. Cost $586.81 Unrealized —

Ticker	Issuer	Shares	Value ($000)	%	Est. Cost	Unrealized	Class	CUSIP
AVDV	AMERICAN CENTY ETF TR	253,573 (-3.8%)	$23,828 (+1.6%)	13.5%	$65.25	—	INTL SMCP VLU	025072802
MSFT	MICROSOFT CORP	3,902 (-3.9%)	$1,887 (-10.2%)	1.1%	$441.60	+13.4%	COM	594918104
TTEK	TETRA TECH INC NEW	11,715 (-23.6%)	$393 (-23.2%)	0.2%	$41.15	-17.8%	COM	88162G103
NOBL	PROSHARES TR	3,937 (-12.8%)	$410 (-11.9%)	0.2%	$99.74	—	S&P 500 DV ARIST	74348A467
DFSU	DIMENSIONAL ETF TRUST	12,803 (-7.0%)	$556 (-4.9%)	0.3%	$42.47	—	US SUSTAINABILTY	25434V716
DFSI	DIMENSIONAL ETF TRUST	9,199 (-8.4%)	$394 (-4.2%)	0.2%	$40.95	—	INTERNATIONAL	25434V690
SPY	SPDR S&P 500 ETF TR	1,973 (-1.8%)	$1,345 (+0.5%)	0.8%	$586.81	—	TR UNIT	78462F103

Unchanged Positions (17)

AVEM AMERICAN CENTY ETF TR 6.5%

Value ($000) $11,500 Shares 149,306 Est. Cost $58.69 Unrealized —

ABNB AIRBNB INC 0.3%

Value ($000) $532 Shares 3,919 Est. Cost $134.70 Unrealized -7.5%

FHLC FIDELITY COVINGTON TRUST 0.2%

Value ($000) $419 Shares 5,641 Est. Cost $65.36 Unrealized —

CTAS CINTAS CORP 0.2%

Value ($000) $335 Shares 1,782 Est. Cost $208.34 Unrealized -9.7%

AMZN AMAZON COM INC 0.3%

Value ($000) $603 Shares 2,613 Est. Cost $218.81 Unrealized +4.6%

VV VANGUARD INDEX FDS 0.4%

Value ($000) $756 Shares 2,402 Est. Cost $269.75 Unrealized —

PGR PROGRESSIVE CORP 0.1%

Value ($000) $207 Shares 910 Est. Cost $232.21 Unrealized -8.6%

QCOM QUALCOMM INC 0.2%

Value ($000) $284 Shares 1,662 Est. Cost $159.53 Unrealized +7.1%

VUG VANGUARD INDEX FDS 0.3%

Value ($000) $459 Shares 940 Est. Cost $410.50 Unrealized —

STZ CONSTELLATION BRANDS INC 0.2%

Value ($000) $276 Shares 1,998 Est. Cost $231.32 Unrealized -40.8%

V VISA INC 0.2%

Value ($000) $274 Shares 781 Est. Cost $300.13 Unrealized +13.4%

SCHG SCHWAB STRATEGIC TR 0.1%

Value ($000) $216 Shares 6,609 Est. Cost $31.91 Unrealized —

BKLC BNY MELLON ETF TRUST 0.1%

Value ($000) $224 Shares 1,712 Est. Cost $118.44 Unrealized —

SRE SEMPRA 0.2%

Value ($000) $341 Shares 3,858 Est. Cost $81.83 Unrealized +10.6%

VGT VANGUARD WORLD FD 0.2%

Value ($000) $343 Shares 456 Est. Cost $622.47 Unrealized —

FIDU FIDELITY COVINGTON TRUST 0.1%

Value ($000) $251 Shares 3,045 Est. Cost $77.54 Unrealized —

NVDA NVIDIA CORPORATION 0.4%

Value ($000) $733 Shares 3,932 Est. Cost $137.79 Unrealized +35.1%

Ticker	Issuer	Shares	Value ($000)	%	Est. Cost	Unrealized	Class	CUSIP
AVEM	AMERICAN CENTY ETF TR	149,306	$11,500	6.5%	$58.69	—	AVANTIS EMGMKT	025072604
ABNB	AIRBNB INC	3,919	$532	0.3%	$134.70	-7.5%	COM CL A	009066101
FHLC	FIDELITY COVINGTON TRUST	5,641	$419	0.2%	$65.36	—	MSCI HLTH CARE I	316092600
CTAS	CINTAS CORP	1,782	$335	0.2%	$208.34	-9.7%	COM	172908105
AMZN	AMAZON COM INC	2,613	$603	0.3%	$218.81	+4.6%	COM	023135106
VV	VANGUARD INDEX FDS	2,402	$756	0.4%	$269.75	—	LARGE CAP ETF	922908637
PGR	PROGRESSIVE CORP	910	$207	0.1%	$232.21	-8.6%	COM	743315103
QCOM	QUALCOMM INC	1,662	$284	0.2%	$159.53	+7.1%	COM	747525103
VUG	VANGUARD INDEX FDS	940	$459	0.3%	$410.50	—	GROWTH ETF	922908736
STZ	CONSTELLATION BRANDS INC	1,998	$276	0.2%	$231.32	-40.8%	CL A	21036P108
V	VISA INC	781	$274	0.2%	$300.13	+13.4%	COM CL A	92826C839
SCHG	SCHWAB STRATEGIC TR	6,609	$216	0.1%	$31.91	—	US LCAP GR ETF	808524300
BKLC	BNY MELLON ETF TRUST	1,712	$224	0.1%	$118.44	—	US LRG CP CORE	09661T107
SRE	SEMPRA	3,858	$341	0.2%	$81.83	+10.6%	COM	816851109
VGT	VANGUARD WORLD FD	456	$343	0.2%	$622.47	—	INF TECH ETF	92204A702
FIDU	FIDELITY COVINGTON TRUST	3,045	$251	0.1%	$77.54	—	MSCI INDL INDX	316092709
NVDA	NVIDIA CORPORATION	3,932	$733	0.4%	$137.79	+35.1%	COM	67066G104