MOLLER FINANCIAL SERVICES Long-Term Concentrated

Period: Q4 2025 (← Previous)

Filing Date: Jan 8, 2026

Total Value ($000): $477,528 (100.0% shares, 0.0% debt)

Holdings (69)

New Positions (1)

Value ($000) $206 Shares 192 Est. Cost $955.55 Unrealized 0.0%

Ticker	Issuer	Shares	Value ($000)	%	Est. Cost	Unrealized	Class	CUSIP
LLY	ELI LILLY & CO	192	$206	0.0%	$955.55	0.0%	COM	532457108

Increased Positions (5)

SPHY SPDR SERIES TRUST 0.9%

Value ($000) $4,357 (+28.4%) Shares 184,087 (+29.9%) Est. Cost $23.75 Unrealized —

VTIP VANGUARD MALVERN FDS 7.4%

Value ($000) $35,115 (-1.3%) Shares 709,958 (+1.0%) Est. Cost $49.66 Unrealized —

VNQI VANGUARD INTL EQUITY INDEX F 4.3%

Value ($000) $20,561 (-1.7%) Shares 448,545 (+2.4%) Est. Cost $45.55 Unrealized —

VNQ VANGUARD INDEX FDS 4.2%

Value ($000) $20,113 (+0.2%) Shares 227,292 (+3.5%) Est. Cost $86.38 Unrealized —

BRK/B BERKSHIRE HATHAWAY INC DEL 0.1%

Value ($000) $472 (+1.8%) Shares 939 (+1.8%) Est. Cost $417.24 Unrealized +19.2%

Ticker	Issuer	Shares	Value ($000)	%	Est. Cost	Unrealized	Class	CUSIP
SPHY	SPDR SERIES TRUST	184,087 (+29.9%)	$4,357 (+28.4%)	0.9%	$23.75	—	STATE STREET SPD	78468R606
VTIP	VANGUARD MALVERN FDS	709,958 (+1.0%)	$35,115 (-1.3%)	7.4%	$49.66	—	STRM INFPROIDX	922020805
VNQI	VANGUARD INTL EQUITY INDEX F	448,545 (+2.4%)	$20,561 (-1.7%)	4.3%	$45.55	—	GLB EX US ETF	922042676
VNQ	VANGUARD INDEX FDS	227,292 (+3.5%)	$20,113 (+0.2%)	4.2%	$86.38	—	REAL ESTATE ETF	922908553
BRK/B	BERKSHIRE HATHAWAY INC DEL	939 (+1.8%)	$472 (+1.8%)	0.1%	$417.24	+19.2%	CL B NEW	084670702

Exited Positions (2)

DGRO ISHARES TR 0.1%

Value ($000) $240 Shares 3,520 Est. Cost $61.56 Unrealized —

QQQ INVESCO QQQ TR 0.0%

Value ($000) $231 Shares 384 Est. Cost $552.08 Unrealized —

Ticker	Issuer	Shares	Value ($000)	%	Est. Cost	Unrealized	Class	CUSIP
DGRO	ISHARES TR	3,520	$240	0.1%	$61.56	—	—	46434V621
QQQ	INVESCO QQQ TR	384	$231	0.0%	$552.08	—	—	46090E103

Decreased Positions (28)

IVV ISHARES TR 5.2%

Value ($000) $24,855 (-5.3%) Shares 36,288 (-7.5%) Est. Cost $303.97 Unrealized —

GUNR FLEXSHARES TR 10.3%

Value ($000) $49,348 (+2.1%) Shares 1,076,286 (-2.5%) Est. Cost $32.11 Unrealized —

IWM ISHARES TR 1.7%

Value ($000) $8,236 (-9.1%) Shares 33,458 (-10.6%) Est. Cost $107.91 Unrealized —

XLG INVESCO EXCHANGE TRADED FD T 0.3%

Value ($000) $1,509 (-27.8%) Shares 25,450 (-29.9%) Est. Cost $46.67 Unrealized —

VWO VANGUARD INTL EQUITY INDEX F 2.8%

Value ($000) $13,603 (-3.9%) Shares 253,029 (-3.2%) Est. Cost $43.23 Unrealized —

VOT VANGUARD INDEX FDS 0.1%

Value ($000) $414 (-57.0%) Shares 1,482 (-54.8%) Est. Cost $249.70 Unrealized —

FNDX SCHWAB STRATEGIC TR 5.3%

Value ($000) $25,212 (+2.1%) Shares 926,581 (-1.3%) Est. Cost $29.58 Unrealized —

FNDE SCHWAB STRATEGIC TR 2.7%

Value ($000) $12,752 (-3.8%) Shares 353,644 (-3.5%) Est. Cost $27.37 Unrealized —

VYM VANGUARD WHITEHALL FDS 0.1%

Value ($000) $356 (-47.0%) Shares 2,477 (-48.0%) Est. Cost $124.64 Unrealized —

MUB ISHARES TR 1.6%

Value ($000) $7,632 (-3.6%) Shares 71,256 (-4.2%) Est. Cost $106.18 Unrealized —

VPL VANGUARD INTL EQUITY INDEX F 2.5%

Value ($000) $12,080 (+1.8%) Shares 133,630 (-1.1%) Est. Cost $70.04 Unrealized —

VV VANGUARD INDEX FDS 5.2%

Value ($000) $24,781 (+0.8%) Shares 78,719 (-1.5%) Est. Cost $106.51 Unrealized —

BSV VANGUARD BD INDEX FDS 0.7%

Value ($000) $3,493 (-3.9%) Shares 44,322 (-3.8%) Est. Cost $77.13 Unrealized —

VEA VANGUARD TAX-MANAGED FDS 3.3%

Value ($000) $15,523 (-0.9%) Shares 248,490 (-4.9%) Est. Cost $41.06 Unrealized —

FNDA SCHWAB STRATEGIC TR 8.0%

Value ($000) $38,368 (-0.2%) Shares 1,217,660 (-1.4%) Est. Cost $32.65 Unrealized —

TROW PRICE T ROWE GROUP INC 0.1%

Value ($000) $656 (-11.3%) Shares 6,405 (-11.1%) Est. Cost $49.81 Unrealized +105.2%

VCIT VANGUARD SCOTTSDALE FDS 0.1%

Value ($000) $529 (-9.2%) Shares 6,313 (-8.8%) Est. Cost $84.11 Unrealized —

IEF ISHARES TR 0.0%

Value ($000) $218 (-18.3%) Shares 2,272 (-18.0%) Est. Cost $96.47 Unrealized —

FNDF SCHWAB STRATEGIC TR 3.6%

Value ($000) $17,360 (+0.3%) Shares 383,993 (-4.7%) Est. Cost $28.44 Unrealized —

ESGU ISHARES TR 0.1%

Value ($000) $263 (-14.1%) Shares 1,766 (-16.0%) Est. Cost $120.96 Unrealized —

T AT&T INC 0.0%

Value ($000) $214 (-13.4%) Shares 8,614 (-1.6%) Est. Cost $24.35 Unrealized +3.8%

JPST J P MORGAN EXCHANGE TRADED F 0.1%

Value ($000) $268 (-9.3%) Shares 5,306 (-9.1%) Est. Cost $50.68 Unrealized —

ICLN ISHARES TR 0.3%

Value ($000) $1,249 (-1.8%) Shares 76,035 (-7.4%) Est. Cost $18.54 Unrealized —

VHT VANGUARD WORLD FD 0.1%

Value ($000) $394 (+4.5%) Shares 1,370 (-5.8%) Est. Cost $242.75 Unrealized —

ISCF ISHARES TR 0.1%

Value ($000) $632 (-1.5%) Shares 15,234 (-2.3%) Est. Cost $41.13 Unrealized —

PBW INVESCO EXCHANGE TRADED FD T 0.2%

Value ($000) $932 (+0.9%) Shares 30,524 (-4.6%) Est. Cost $38.81 Unrealized —

EFA ISHARES TR 1.2%

Value ($000) $5,552 (+0.1%) Shares 57,816 (-2.7%) Est. Cost $60.76 Unrealized —

VOO VANGUARD INDEX FDS 0.1%

Value ($000) $326 (-1.0%) Shares 520 (-3.3%) Est. Cost $436.80 Unrealized —

Ticker	Issuer	Shares	Value ($000)	%	Est. Cost	Unrealized	Class	CUSIP
IVV	ISHARES TR	36,288 (-7.5%)	$24,855 (-5.3%)	5.2%	$303.97	—	CORE S&P500 ETF	464287200
GUNR	FLEXSHARES TR	1,076,286 (-2.5%)	$49,348 (+2.1%)	10.3%	$32.11	—	MORNSTAR UPSTR	33939L407
IWM	ISHARES TR	33,458 (-10.6%)	$8,236 (-9.1%)	1.7%	$107.91	—	RUSSELL 2000 ETF	464287655
XLG	INVESCO EXCHANGE TRADED FD T	25,450 (-29.9%)	$1,509 (-27.8%)	0.3%	$46.67	—	S&P 500 TOP 50	46137V233
VWO	VANGUARD INTL EQUITY INDEX F	253,029 (-3.2%)	$13,603 (-3.9%)	2.8%	$43.23	—	FTSE EMR MKT ETF	922042858
VOT	VANGUARD INDEX FDS	1,482 (-54.8%)	$414 (-57.0%)	0.1%	$249.70	—	MCAP GR IDXVIP	922908538
FNDX	SCHWAB STRATEGIC TR	926,581 (-1.3%)	$25,212 (+2.1%)	5.3%	$29.58	—	FUNDAMENTAL US L	808524771
FNDE	SCHWAB STRATEGIC TR	353,644 (-3.5%)	$12,752 (-3.8%)	2.7%	$27.37	—	FUNDAMENTAL EMER	808524730
VYM	VANGUARD WHITEHALL FDS	2,477 (-48.0%)	$356 (-47.0%)	0.1%	$124.64	—	HIGH DIV YLD	921946406
MUB	ISHARES TR	71,256 (-4.2%)	$7,632 (-3.6%)	1.6%	$106.18	—	NATIONAL MUN ETF	464288414
VPL	VANGUARD INTL EQUITY INDEX F	133,630 (-1.1%)	$12,080 (+1.8%)	2.5%	$70.04	—	FTSE PACIFIC ETF	922042866
VV	VANGUARD INDEX FDS	78,719 (-1.5%)	$24,781 (+0.8%)	5.2%	$106.51	—	LARGE CAP ETF	922908637
BSV	VANGUARD BD INDEX FDS	44,322 (-3.8%)	$3,493 (-3.9%)	0.7%	$77.13	—	SHORT TRM BOND	921937827
VEA	VANGUARD TAX-MANAGED FDS	248,490 (-4.9%)	$15,523 (-0.9%)	3.3%	$41.06	—	VAN FTSE DEV MKT	921943858
FNDA	SCHWAB STRATEGIC TR	1,217,660 (-1.4%)	$38,368 (-0.2%)	8.0%	$32.65	—	FUNDAMENTAL US S	808524763
TROW	PRICE T ROWE GROUP INC	6,405 (-11.1%)	$656 (-11.3%)	0.1%	$49.81	+105.2%	COM	74144T108
VCIT	VANGUARD SCOTTSDALE FDS	6,313 (-8.8%)	$529 (-9.2%)	0.1%	$84.11	—	INT-TERM CORP	92206C870
IEF	ISHARES TR	2,272 (-18.0%)	$218 (-18.3%)	0.0%	$96.47	—	7-10 YR TRSY BD	464287440
FNDF	SCHWAB STRATEGIC TR	383,993 (-4.7%)	$17,360 (+0.3%)	3.6%	$28.44	—	FUNDAMENTAL INTL	808524755
ESGU	ISHARES TR	1,766 (-16.0%)	$263 (-14.1%)	0.1%	$120.96	—	ESG AWR MSCI USA	46435G425
T	AT&T INC	8,614 (-1.6%)	$214 (-13.4%)	0.0%	$24.35	+3.8%	COM	00206R102
JPST	J P MORGAN EXCHANGE TRADED F	5,306 (-9.1%)	$268 (-9.3%)	0.1%	$50.68	—	ULTRA SHRT ETF	46641Q837
ICLN	ISHARES TR	76,035 (-7.4%)	$1,249 (-1.8%)	0.3%	$18.54	—	GL CLEAN ENE ETF	464288224
VHT	VANGUARD WORLD FD	1,370 (-5.8%)	$394 (+4.5%)	0.1%	$242.75	—	HEALTH CAR ETF	92204A504
ISCF	ISHARES TR	15,234 (-2.3%)	$632 (-1.5%)	0.1%	$41.13	—	INTERNATIONAL SL	46434V266
PBW	INVESCO EXCHANGE TRADED FD T	30,524 (-4.6%)	$932 (+0.9%)	0.2%	$38.81	—	WILDERHIL CLAN	46137V134
EFA	ISHARES TR	57,816 (-2.7%)	$5,552 (+0.1%)	1.2%	$60.76	—	MSCI EAFE ETF	464287465
VOO	VANGUARD INDEX FDS	520 (-3.3%)	$326 (-1.0%)	0.1%	$436.80	—	S&P 500 ETF SHS	922908363

Unchanged Positions (35)

VGK VANGUARD INTL EQUITY INDEX F 2.6%

Value ($000) $12,347 Shares 147,671 Est. Cost $59.34 Unrealized —

VB VANGUARD INDEX FDS 7.2%

Value ($000) $34,174 Shares 132,483 Est. Cost $169.03 Unrealized —

DFCF DIMENSIONAL ETF TRUST 3.9%

Value ($000) $18,451 Shares 433,534 Est. Cost $42.03 Unrealized —

VTEB VANGUARD MUN BD FDS 3.9%

Value ($000) $18,668 Shares 371,208 Est. Cost $50.54 Unrealized —

DWM WISDOMTREE TR 1.5%

Value ($000) $7,066 Shares 102,757 Est. Cost $53.60 Unrealized —

JNJ JOHNSON & JOHNSON 0.2%

Value ($000) $1,129 Shares 5,456 Est. Cost $89.81 Unrealized +119.4%

AMAT APPLIED MATLS INC 0.1%

Value ($000) $423 Shares 1,647 Est. Cost $157.45 Unrealized +52.1%

PG PROCTER AND GAMBLE CO 0.2%

Value ($000) $1,159 Shares 8,088 Est. Cost $78.76 Unrealized +86.9%

DLN WISDOMTREE TR 1.6%

Value ($000) $7,830 Shares 88,895 Est. Cost $73.47 Unrealized —

VSS VANGUARD INTL EQUITY INDEX F 1.2%

Value ($000) $5,511 Shares 38,451 Est. Cost $110.40 Unrealized —

IJH ISHARES TR 0.9%

Value ($000) $4,436 Shares 67,205 Est. Cost $73.79 Unrealized —

JPM JPMORGAN CHASE & CO. 0.4%

Value ($000) $1,867 Shares 5,794 Est. Cost $160.31 Unrealized +93.1%

GEV GE VERNOVA INC 0.1%

Value ($000) $597 Shares 914 Est. Cost $191.56 Unrealized +217.9%

GS GOLDMAN SACHS GROUP INC 0.1%

Value ($000) $333 Shares 379 Est. Cost $571.74 Unrealized +42.3%

RWR SPDR SERIES TRUST 0.3%

Value ($000) $1,284 Shares 13,069 Est. Cost $88.33 Unrealized —

SCHA SCHWAB STRATEGIC TR 0.4%

Value ($000) $1,900 Shares 66,703 Est. Cost $40.60 Unrealized —

GE GE AEROSPACE 0.2%

Value ($000) $1,131 Shares 3,671 Est. Cost $49.33 Unrealized +509.8%

ITW ILLINOIS TOOL WKS INC 0.1%

Value ($000) $375 Shares 1,521 Est. Cost $250.15 Unrealized -1.0%

AAPL APPLE INC 0.1%

Value ($000) $386 Shares 1,419 Est. Cost $201.41 Unrealized +33.2%

XOM EXXON MOBIL CORP 0.1%

Value ($000) $324 Shares 2,693 Est. Cost $57.34 Unrealized +101.4%

MSFT MICROSOFT CORP 0.1%

Value ($000) $240 Shares 497 Est. Cost $433.61 Unrealized +15.4%

EES WISDOMTREE TR 0.2%

Value ($000) $1,047 Shares 18,397 Est. Cost $43.73 Unrealized —

PSX PHILLIPS 66 0.0%

Value ($000) $226 Shares 1,748 Est. Cost $72.84 Unrealized +84.0%

ESGD ISHARES TR 0.1%

Value ($000) $545 Shares 5,730 Est. Cost $73.03 Unrealized —

SPY SPDR S&P 500 ETF TR 0.1%

Value ($000) $466 Shares 684 Est. Cost $554.13 Unrealized —

FNDC SCHWAB STRATEGIC TR 1.0%

Value ($000) $4,767 Shares 106,997 Est. Cost $33.50 Unrealized —

VTI VANGUARD INDEX FDS 0.1%

Value ($000) $318 Shares 947 Est. Cost $282.23 Unrealized —

ESML ISHARES TR 0.1%

Value ($000) $332 Shares 7,218 Est. Cost $36.06 Unrealized —

EPS WISDOMTREE TR 0.1%

Value ($000) $264 Shares 3,730 Est. Cost $50.11 Unrealized —

PHB INVESCO EXCH TRADED FD TR II 0.2%

Value ($000) $959 Shares 51,552 Est. Cost $18.12 Unrealized —

ESGE ISHARES INC 0.1%

Value ($000) $375 Shares 8,495 Est. Cost $37.37 Unrealized —

SPYM SPDR SERIES TRUST 0.1%

Value ($000) $239 Shares 2,984 Est. Cost $72.69 Unrealized —

DEM WISDOMTREE TR 0.1%

Value ($000) $285 Shares 6,094 Est. Cost $38.20 Unrealized —

DES WISDOMTREE TR 0.1%

Value ($000) $271 Shares 8,105 Est. Cost $28.96 Unrealized —

NVDA NVIDIA CORPORATION 0.0%

Value ($000) $223 Shares 1,197 Est. Cost $174.29 Unrealized +6.8%

Ticker	Issuer	Shares	Value ($000)	%	Est. Cost	Unrealized	Class	CUSIP
VGK	VANGUARD INTL EQUITY INDEX F	147,671	$12,347	2.6%	$59.34	—	FTSE EUROPE ETF	922042874
VB	VANGUARD INDEX FDS	132,483	$34,174	7.2%	$169.03	—	SMALL CP ETF	922908751
DFCF	DIMENSIONAL ETF TRUST	433,534	$18,451	3.9%	$42.03	—	CORE FIXED INCOM	25434V872
VTEB	VANGUARD MUN BD FDS	371,208	$18,668	3.9%	$50.54	—	TAX EXEMPT BD	922907746
DWM	WISDOMTREE TR	102,757	$7,066	1.5%	$53.60	—	INTL EQUITY FD	97717W703
JNJ	JOHNSON & JOHNSON	5,456	$1,129	0.2%	$89.81	+119.4%	COM	478160104
AMAT	APPLIED MATLS INC	1,647	$423	0.1%	$157.45	+52.1%	COM	038222105
PG	PROCTER AND GAMBLE CO	8,088	$1,159	0.2%	$78.76	+86.9%	COM	742718109
DLN	WISDOMTREE TR	88,895	$7,830	1.6%	$73.47	—	US LARGECAP DIVD	97717W307
VSS	VANGUARD INTL EQUITY INDEX F	38,451	$5,511	1.2%	$110.40	—	FTSE SMCAP ETF	922042718
IJH	ISHARES TR	67,205	$4,436	0.9%	$73.79	—	CORE S&P MCP ETF	464287507
JPM	JPMORGAN CHASE & CO.	5,794	$1,867	0.4%	$160.31	+93.1%	COM	46625H100
GEV	GE VERNOVA INC	914	$597	0.1%	$191.56	+217.9%	COM	36828A101
GS	GOLDMAN SACHS GROUP INC	379	$333	0.1%	$571.74	+42.3%	COM	38141G104
RWR	SPDR SERIES TRUST	13,069	$1,284	0.3%	$88.33	—	STATE STREET SPD	78464A607
SCHA	SCHWAB STRATEGIC TR	66,703	$1,900	0.4%	$40.60	—	US SML CAP ETF	808524607
GE	GE AEROSPACE	3,671	$1,131	0.2%	$49.33	+509.8%	COM NEW	369604301
ITW	ILLINOIS TOOL WKS INC	1,521	$375	0.1%	$250.15	-1.0%	COM	452308109
AAPL	APPLE INC	1,419	$386	0.1%	$201.41	+33.2%	COM	037833100
XOM	EXXON MOBIL CORP	2,693	$324	0.1%	$57.34	+101.4%	COM	30231G102
MSFT	MICROSOFT CORP	497	$240	0.1%	$433.61	+15.4%	COM	594918104
EES	WISDOMTREE TR	18,397	$1,047	0.2%	$43.73	—	US SMALLCAP FUND	97717W562
PSX	PHILLIPS 66	1,748	$226	0.0%	$72.84	+84.0%	COM	718546104
ESGD	ISHARES TR	5,730	$545	0.1%	$73.03	—	ESG AW MSCI EAFE	46435G516
SPY	SPDR S&P 500 ETF TR	684	$466	0.1%	$554.13	—	TR UNIT	78462F103
FNDC	SCHWAB STRATEGIC TR	106,997	$4,767	1.0%	$33.50	—	FUNDAMENTAL INTL	808524748
VTI	VANGUARD INDEX FDS	947	$318	0.1%	$282.23	—	TOTAL STK MKT	922908769
ESML	ISHARES TR	7,218	$332	0.1%	$36.06	—	ESG AWARE MSCI	46435U663
EPS	WISDOMTREE TR	3,730	$264	0.1%	$50.11	—	US LARGECAP FUND	97717W588
PHB	INVESCO EXCH TRADED FD TR II	51,552	$959	0.2%	$18.12	—	FNDMNTL HY CRP	46138E719
ESGE	ISHARES INC	8,495	$375	0.1%	$37.37	—	ESG AWR MSCI EM	46434G863
SPYM	SPDR SERIES TRUST	2,984	$239	0.1%	$72.69	—	STATE STREET SPD	78464A854
DEM	WISDOMTREE TR	6,094	$285	0.1%	$38.20	—	EMER MKT HIGH FD	97717W315
DES	WISDOMTREE TR	8,105	$271	0.1%	$28.96	—	US SMALLCAP DIVD	97717W604
NVDA	NVIDIA CORPORATION	1,197	$223	0.0%	$174.29	+6.8%	COM	67066G104