Windward Private Wealth Management Inc. Long-Term Concentrated

Period: Q4 2025 (← Previous)

Filing Date: Feb 2, 2026

Total Value ($000): $288,752 (100.0% shares, 0.0% debt)

Holdings (44)

New Positions (1)

Value ($000) $352 Shares 1,017 Est. Cost $357.00 Unrealized 0.0%

Ticker	Issuer	Shares	Value ($000)	%	Est. Cost	Unrealized	Class	CUSIP
AVGO	BROADCOM INC	1,017	$352	0.1%	$357.00	0.0%	COM	11135F101

Increased Positions (4)

BSV VANGUARD BD INDEX FDS 22.4%

Value ($000) $64,811 (+2.5%) Shares 822,376 (+2.6%) Est. Cost $79.98 Unrealized —

VTEB VANGUARD MUN BD FDS 0.2%

Value ($000) $553 (+51.4%) Shares 11,003 (+50.7%) Est. Cost $49.65 Unrealized —

VCSH VANGUARD SCOTTSDALE FDS 1.3%

Value ($000) $3,659 (+4.4%) Shares 45,898 (+4.7%) Est. Cost $76.93 Unrealized —

MBB ISHARES TR 0.1%

Value ($000) $317 (+1.2%) Shares 3,327 (+1.1%) Est. Cost $94.03 Unrealized —

Ticker	Issuer	Shares	Value ($000)	%	Est. Cost	Unrealized	Class	CUSIP
BSV	VANGUARD BD INDEX FDS	822,376 (+2.6%)	$64,811 (+2.5%)	22.4%	$79.98	—	SHORT TRM BOND	921937827
VTEB	VANGUARD MUN BD FDS	11,003 (+50.7%)	$553 (+51.4%)	0.2%	$49.65	—	TAX EXEMPT BD	922907746
VCSH	VANGUARD SCOTTSDALE FDS	45,898 (+4.7%)	$3,659 (+4.4%)	1.3%	$76.93	—	SHRT TRM CORP BD	92206C409
MBB	ISHARES TR	3,327 (+1.1%)	$317 (+1.2%)	0.1%	$94.03	—	MBS ETF	464288588

Exited Positions (1)

VNQ VANGUARD INDEX FDS 0.1%

Value ($000) $205 Shares 2,238 Est. Cost $91.42 Unrealized —

Ticker	Issuer	Shares	Value ($000)	%	Est. Cost	Unrealized	Class	CUSIP
VNQ	VANGUARD INDEX FDS	2,238	$205	0.1%	$91.42	—	—	922908553

Decreased Positions (23)

VONG VANGUARD SCOTTSDALE FDS 12.3%

Value ($000) $35,649 (-4.9%) Shares 292,807 (-5.8%) Est. Cost $103.99 Unrealized —

VWO VANGUARD INTL EQUITY INDEX F 4.6%

Value ($000) $13,326 (-4.3%) Shares 247,872 (-3.5%) Est. Cost $47.54 Unrealized —

VOOG VANGUARD ADMIRAL FDS INC 0.8%

Value ($000) $2,311 (-9.4%) Shares 5,199 (-11.2%) Est. Cost $228.46 Unrealized —

SCHE SCHWAB STRATEGIC TR 0.5%

Value ($000) $1,300 (-13.6%) Shares 39,701 (-12.0%) Est. Cost $26.96 Unrealized —

VTV VANGUARD INDEX FDS 1.9%

Value ($000) $5,362 (-3.6%) Shares 28,073 (-5.9%) Est. Cost $118.96 Unrealized —

IUSB ISHARES TR 0.4%

Value ($000) $1,056 (-12.6%) Shares 22,680 (-12.3%) Est. Cost $46.92 Unrealized —

IXUS ISHARES TR 1.7%

Value ($000) $5,037 (-2.8%) Shares 59,505 (-5.1%) Est. Cost $65.00 Unrealized —

IWN ISHARES TR 0.6%

Value ($000) $1,646 (-6.8%) Shares 9,086 (-9.1%) Est. Cost $131.77 Unrealized —

VBK VANGUARD INDEX FDS 0.2%

Value ($000) $592 (-15.9%) Shares 1,960 (-17.2%) Est. Cost $267.65 Unrealized —

SPSB SPDR SERIES TRUST 0.2%

Value ($000) $675 (-13.2%) Shares 22,361 (-13.0%) Est. Cost $31.17 Unrealized —

SCZ ISHARES TR 0.3%

Value ($000) $731 (-12.3%) Shares 9,427 (-13.3%) Est. Cost $68.34 Unrealized —

VIG VANGUARD SPECIALIZED FUNDS 2.8%

Value ($000) $8,017 (-1.0%) Shares 36,478 (-2.8%) Est. Cost $141.07 Unrealized —

VBR VANGUARD INDEX FDS 0.6%

Value ($000) $1,782 (-4.1%) Shares 8,412 (-5.5%) Est. Cost $142.21 Unrealized —

VEA VANGUARD TAX-MANAGED FDS 13.3%

Value ($000) $38,539 (-0.2%) Shares 616,922 (-4.2%) Est. Cost $46.99 Unrealized —

IGE ISHARES TR 0.6%

Value ($000) $1,874 (-3.2%) Shares 37,325 (-5.4%) Est. Cost $23.29 Unrealized —

VTWO VANGUARD SCOTTSDALE FDS 1.9%

Value ($000) $5,538 (-1.0%) Shares 55,649 (-2.7%) Est. Cost $106.71 Unrealized —

EFV ISHARES TR 0.7%

Value ($000) $1,917 (+3.0%) Shares 26,844 (-2.2%) Est. Cost $46.93 Unrealized —

VGSH VANGUARD SCOTTSDALE FDS 0.9%

Value ($000) $2,582 (-1.8%) Shares 43,959 (-1.6%) Est. Cost $57.99 Unrealized —

MUB ISHARES TR 1.0%

Value ($000) $2,856 (-1.1%) Shares 26,661 (-1.7%) Est. Cost $105.45 Unrealized —

IUSV ISHARES TR 1.4%

Value ($000) $3,983 (+0.7%) Shares 38,843 (-1.9%) Est. Cost $71.45 Unrealized —

VB VANGUARD INDEX FDS 0.1%

Value ($000) $323 (-3.0%) Shares 1,254 (-4.3%) Est. Cost $214.88 Unrealized —

IUSG ISHARES TR 1.7%

Value ($000) $5,006 (+0.2%) Shares 29,807 (-1.9%) Est. Cost $89.57 Unrealized —

EMR EMERSON ELEC CO 0.1%

Value ($000) $307 (-2.4%) Shares 2,315 (-3.5%) Est. Cost $84.53 Unrealized +56.6%

Ticker	Issuer	Shares	Value ($000)	%	Est. Cost	Unrealized	Class	CUSIP
VONG	VANGUARD SCOTTSDALE FDS	292,807 (-5.8%)	$35,649 (-4.9%)	12.3%	$103.99	—	VNG RUS1000GRW	92206C680
VWO	VANGUARD INTL EQUITY INDEX F	247,872 (-3.5%)	$13,326 (-4.3%)	4.6%	$47.54	—	FTSE EMR MKT ETF	922042858
VOOG	VANGUARD ADMIRAL FDS INC	5,199 (-11.2%)	$2,311 (-9.4%)	0.8%	$228.46	—	500 GRTH IDX F	921932505
SCHE	SCHWAB STRATEGIC TR	39,701 (-12.0%)	$1,300 (-13.6%)	0.5%	$26.96	—	EMRG MKTEQ ETF	808524706
VTV	VANGUARD INDEX FDS	28,073 (-5.9%)	$5,362 (-3.6%)	1.9%	$118.96	—	VALUE ETF	922908744
IUSB	ISHARES TR	22,680 (-12.3%)	$1,056 (-12.6%)	0.4%	$46.92	—	CORE UNIVRSL USD	46434V613
IXUS	ISHARES TR	59,505 (-5.1%)	$5,037 (-2.8%)	1.7%	$65.00	—	CORE MSCI TOTAL	46432F834
IWN	ISHARES TR	9,086 (-9.1%)	$1,646 (-6.8%)	0.6%	$131.77	—	RUS 2000 VAL ETF	464287630
VBK	VANGUARD INDEX FDS	1,960 (-17.2%)	$592 (-15.9%)	0.2%	$267.65	—	SML CP GRW ETF	922908595
SPSB	SPDR SERIES TRUST	22,361 (-13.0%)	$675 (-13.2%)	0.2%	$31.17	—	STATE STREET SPD	78464A474
SCZ	ISHARES TR	9,427 (-13.3%)	$731 (-12.3%)	0.3%	$68.34	—	EAFE SML CP ETF	464288273
VIG	VANGUARD SPECIALIZED FUNDS	36,478 (-2.8%)	$8,017 (-1.0%)	2.8%	$141.07	—	DIV APP ETF	921908844
VBR	VANGUARD INDEX FDS	8,412 (-5.5%)	$1,782 (-4.1%)	0.6%	$142.21	—	SM CP VAL ETF	922908611
VEA	VANGUARD TAX-MANAGED FDS	616,922 (-4.2%)	$38,539 (-0.2%)	13.3%	$46.99	—	VAN FTSE DEV MKT	921943858
IGE	ISHARES TR	37,325 (-5.4%)	$1,874 (-3.2%)	0.6%	$23.29	—	NORTH AMERN NAT	464287374
VTWO	VANGUARD SCOTTSDALE FDS	55,649 (-2.7%)	$5,538 (-1.0%)	1.9%	$106.71	—	VNG RUS2000IDX	92206C664
EFV	ISHARES TR	26,844 (-2.2%)	$1,917 (+3.0%)	0.7%	$46.93	—	EAFE VALUE ETF	464288877
VGSH	VANGUARD SCOTTSDALE FDS	43,959 (-1.6%)	$2,582 (-1.8%)	0.9%	$57.99	—	SHORT TERM TREAS	92206C102
MUB	ISHARES TR	26,661 (-1.7%)	$2,856 (-1.1%)	1.0%	$105.45	—	NATIONAL MUN ETF	464288414
IUSV	ISHARES TR	38,843 (-1.9%)	$3,983 (+0.7%)	1.4%	$71.45	—	CORE S&P US VLU	464287663
VB	VANGUARD INDEX FDS	1,254 (-4.3%)	$323 (-3.0%)	0.1%	$214.88	—	SMALL CP ETF	922908751
IUSG	ISHARES TR	29,807 (-1.9%)	$5,006 (+0.2%)	1.7%	$89.57	—	CORE S&P US GWT	464287671
EMR	EMERSON ELEC CO	2,315 (-3.5%)	$307 (-2.4%)	0.1%	$84.53	+56.6%	COM	291011104

Unchanged Positions (16)

VONV VANGUARD SCOTTSDALE FDS 9.9%

Value ($000) $28,538 Shares 309,185 Est. Cost $88.51 Unrealized —

IEFA ISHARES TR 1.3%

Value ($000) $3,740 Shares 41,806 Est. Cost $63.23 Unrealized —

FAST FASTENAL CO 0.1%

Value ($000) $241 Shares 6,000 Est. Cost $36.52 Unrealized +15.1%

RMD RESMED INC 0.1%

Value ($000) $361 Shares 1,500 Est. Cost $190.91 Unrealized +33.8%

IVE ISHARES TR 0.4%

Value ($000) $1,251 Shares 5,900 Est. Cost $127.99 Unrealized —

SHW SHERWIN WILLIAMS CO 0.1%

Value ($000) $273 Shares 843 Est. Cost $250.86 Unrealized +33.2%

VT VANGUARD INTL EQUITY INDEX F 0.4%

Value ($000) $1,267 Shares 8,982 Est. Cost $97.68 Unrealized —

DLS WISDOMTREE TR 0.3%

Value ($000) $776 Shares 9,583 Est. Cost $68.10 Unrealized —

BIV VANGUARD BD INDEX FDS 8.5%

Value ($000) $24,490 Shares 314,464 Est. Cost $87.25 Unrealized —

PNC PNC FINL SVCS GROUP INC 0.1%

Value ($000) $225 Shares 1,080 Est. Cost $165.97 Unrealized +16.2%

EFA ISHARES TR 0.1%

Value ($000) $279 Shares 2,902 Est. Cost $72.95 Unrealized —

SLYV SPDR SERIES TRUST 0.1%

Value ($000) $209 Shares 2,302 Est. Cost $88.65 Unrealized —

IEMG ISHARES INC 0.1%

Value ($000) $256 Shares 3,801 Est. Cost $60.03 Unrealized —

VMBS VANGUARD SCOTTSDALE FDS 5.4%

Value ($000) $15,572 Shares 330,748 Est. Cost $52.59 Unrealized —

VSS VANGUARD INTL EQUITY INDEX F 0.3%

Value ($000) $798 Shares 5,569 Est. Cost $118.81 Unrealized —

SHY ISHARES TR 0.1%

Value ($000) $374 Shares 4,517 Est. Cost $85.15 Unrealized —

Ticker	Issuer	Shares	Value ($000)	%	Est. Cost	Unrealized	Class	CUSIP
VONV	VANGUARD SCOTTSDALE FDS	309,185	$28,538	9.9%	$88.51	—	VNG RUS1000VAL	92206C714
IEFA	ISHARES TR	41,806	$3,740	1.3%	$63.23	—	CORE MSCI EAFE	46432F842
FAST	FASTENAL CO	6,000	$241	0.1%	$36.52	+15.1%	COM	311900104
RMD	RESMED INC	1,500	$361	0.1%	$190.91	+33.8%	COM	761152107
IVE	ISHARES TR	5,900	$1,251	0.4%	$127.99	—	S&P 500 VAL ETF	464287408
SHW	SHERWIN WILLIAMS CO	843	$273	0.1%	$250.86	+33.2%	COM	824348106
VT	VANGUARD INTL EQUITY INDEX F	8,982	$1,267	0.4%	$97.68	—	TT WRLD ST ETF	922042742
DLS	WISDOMTREE TR	9,583	$776	0.3%	$68.10	—	INTL SMCAP DIV	97717W760
BIV	VANGUARD BD INDEX FDS	314,464	$24,490	8.5%	$87.25	—	INTERMED TERM	921937819
PNC	PNC FINL SVCS GROUP INC	1,080	$225	0.1%	$165.97	+16.2%	COM	693475105
EFA	ISHARES TR	2,902	$279	0.1%	$72.95	—	MSCI EAFE ETF	464287465
SLYV	SPDR SERIES TRUST	2,302	$209	0.1%	$88.65	—	STATE STREET SPD	78464A300
IEMG	ISHARES INC	3,801	$256	0.1%	$60.03	—	CORE MSCI EMKT	46434G103
VMBS	VANGUARD SCOTTSDALE FDS	330,748	$15,572	5.4%	$52.59	—	MTG-BKD SECS ETF	92206C771
VSS	VANGUARD INTL EQUITY INDEX F	5,569	$798	0.3%	$118.81	—	FTSE SMCAP ETF	922042718
SHY	ISHARES TR	4,517	$374	0.1%	$85.15	—	1 3 YR TREAS BD	464287457