Schaeffer Financial LLC Long-Term Concentrated

Name: Schaeffer Financial LLC Q3 2026 13F Filing | 13F Explorer
Creator: Schaeffer Financial LLC
Published: 2026-10-23

Location: Rockville, MD

CIK: 0001898838 · Show all filings

Period: Q3 2026 (← Previous)

Filing Date: Oct 23, 2026

Total Value: $131M (100.0% shares, 0.0% debt)

Holdings (30)

New Positions (4)

XOM EXXONMOBIL HOLDINGS CORP 0.8%

Value $1.039M Shares 6,383 Share Price $162.75 Est. Cost/Share $162.75 Unrealized @ Report Date —

SCHO SCHWAB STRATEGIC TR 0.4%

Value $539K Shares 22,607 Share Price $23.86 Est. Cost/Share $24.03 Unrealized @ Report Date -0.7%

VXUS VANGUARD STAR FDS 0.2%

Value $319K Shares 3,753 Share Price $84.97 Est. Cost/Share $85.95 Unrealized @ Report Date -1.2%

VGK VANGUARD INTL EQUITY INDEX F 0.2%

Value $213K Shares 2,459 Share Price $86.79 Est. Cost/Share $90.10 Unrealized @ Report Date -3.7%

Ticker	Issuer	Shares	Value	%	Share Price	Est. Cost/Share	Unrealized @ Report Date	Class	CUSIP
XOM	EXXONMOBIL HOLDINGS CORP	6,383	$1.039M	0.8%	$162.75	$162.75	—	COM SHS	30233Q108
SCHO	SCHWAB STRATEGIC TR	22,607	$539K	0.4%	$23.86	$24.03	-0.7%	SHT TM US TRES	808524862
VXUS	VANGUARD STAR FDS	3,753	$319K	0.2%	$84.97	$85.95	-1.2%	VG TL INTL STK F	921909768
VGK	VANGUARD INTL EQUITY INDEX F	2,459	$213K	0.2%	$86.79	$90.10	-3.7%	FTSE EUROPE ETF	922042874

Increased Positions (7)

SCHG SCHWAB STRATEGIC TR 12.2%

Value $16.01M (+7.5%) Shares 445,670 (+1.2%) Share Price $35.93 Est. Cost/Share $26.01 Unrealized @ Report Date +38.2%

SCHD SCHWAB STRATEGIC TR 12.3%

Value $16.12M (+5.5%) Shares 495,667 (+2.8%) Share Price $32.53 Est. Cost/Share $27.81 Unrealized @ Report Date +17.0%

VOO VANGUARD INDEX FDS 0.9%

Value $1.224M (+67.2%) Shares 1,746 (+63.8%) Share Price $700.98 Est. Cost/Share $653.85 Unrealized @ Report Date +7.2%

SCHM SCHWAB STRATEGIC TR 3.9%

Value $5.149M (-2.0%) Shares 151,344 (+6.2%) Share Price $34.02 Est. Cost/Share $27.88 Unrealized @ Report Date +22.0%

IGSB ISHARES TR 26.9%

Value $35.26M (-0.2%) Shares 688,312 (+2.1%) Share Price $51.23 Est. Cost/Share $51.66 Unrealized @ Report Date -0.8%

VCSH VANGUARD SCOTTSDALE FDS 0.2%

Value $294K (+25.2%) Shares 3,807 (+28.1%) Share Price $77.25 Est. Cost/Share $80.73 Unrealized @ Report Date -4.3%

SCHV SCHWAB STRATEGIC TR 1.7%

Value $2.215M (-1.3%) Shares 66,488 (+3.2%) Share Price $33.31 Est. Cost/Share $26.41 Unrealized @ Report Date +26.1%

Ticker	Issuer	Shares	Value	%	Share Price	Est. Cost/Share	Unrealized @ Report Date	Class	CUSIP
SCHG	SCHWAB STRATEGIC TR	445,670 (+1.2%)	$16.01M (+7.5%)	12.2%	$35.93	$26.01	+38.2%	US LCAP GR ETF	808524300
SCHD	SCHWAB STRATEGIC TR	495,667 (+2.8%)	$16.12M (+5.5%)	12.3%	$32.53	$27.81	+17.0%	US DIVIDEND EQ	808524797
VOO	VANGUARD INDEX FDS	1,746 (+63.8%)	$1.224M (+67.2%)	0.9%	$700.98	$653.85	+7.2%	S&P 500 ETF SHS	922908363
SCHM	SCHWAB STRATEGIC TR	151,344 (+6.2%)	$5.149M (-2.0%)	3.9%	$34.02	$27.88	+22.0%	US MID-CAP ETF	808524508
IGSB	ISHARES TR	688,312 (+2.1%)	$35.26M (-0.2%)	26.9%	$51.23	$51.66	-0.8%	ISHS 1-5YR INVS	464288646
VCSH	VANGUARD SCOTTSDALE FDS	3,807 (+28.1%)	$294K (+25.2%)	0.2%	$77.25	$80.73	-4.3%	SHRT TRM CORP BD	92206C409
SCHV	SCHWAB STRATEGIC TR	66,488 (+3.2%)	$2.215M (-1.3%)	1.7%	$33.31	$26.41	+26.1%	US LCAP VA ETF	808524409

Exited Positions (1)

QQQ INVESCO QQQ TR 0.2%

Value $247K Shares 336 Share Price $736.40 Est. Cost/Share $688.02 Unrealized @ Report Date +7.5%

Ticker	Issuer	Shares	Value	%	Share Price	Est. Cost/Share	Unrealized @ Report Date	Class	CUSIP
QQQ	INVESCO QQQ TR	336	$247K	0.2%	$736.40	$688.02	+7.5%	—	46090E103

Decreased Positions (7)

SPLV INVESCO EXCH TRADED FD TR II 0.7%

Value $951K (-64.5%) Shares 13,486 (-62.3%) Share Price $70.51 Est. Cost/Share $64.37 Unrealized @ Report Date +9.5%

SPGM SPDR INDEX SHS FDS 13.9%

Value $18.23M (-6.2%) Shares 210,781 (-7.1%) Share Price $86.50 Est. Cost/Share $56.73 Unrealized @ Report Date +52.5%

SCHI SCHWAB STRATEGIC TR 0.2%

Value $244K (-15.7%) Shares 11,381 (-11.0%) Share Price $21.44 Est. Cost/Share $22.65 Unrealized @ Report Date -5.3%

VIG VANGUARD SPECIALIZED FUNDS 0.6%

Value $762K (-3.7%) Shares 3,267 (-2.3%) Share Price $233.30 Est. Cost/Share $166.72 Unrealized @ Report Date +39.9%

ESGV VANGUARD WORLD FD 0.3%

Value $339K (-4.2%) Shares 2,498 (-6.6%) Share Price $135.55 Est. Cost/Share $121.27 Unrealized @ Report Date +11.8%

SPY STATE STR SPDR S&P 500 ETF T 0.7%

Value $900K (+0.6%) Shares 1,180 (-1.5%) Share Price $762.84 Est. Cost/Share $545.84 Unrealized @ Report Date +39.7%

MGC VANGUARD WORLD FD 0.2%

Value $230K (-2.2%) Shares 813 (-5.2%) Share Price $282.31 Est. Cost/Share $248.16 Unrealized @ Report Date +13.8%

Ticker	Issuer	Shares	Value	%	Share Price	Est. Cost/Share	Unrealized @ Report Date	Class	CUSIP
SPLV	INVESCO EXCH TRADED FD TR II	13,486 (-62.3%)	$951K (-64.5%)	0.7%	$70.51	$64.37	+9.5%	S&P500 LOW VOL	46138E354
SPGM	SPDR INDEX SHS FDS	210,781 (-7.1%)	$18.23M (-6.2%)	13.9%	$86.50	$56.73	+52.5%	ST STR MSCI GLB	78463X475
SCHI	SCHWAB STRATEGIC TR	11,381 (-11.0%)	$244K (-15.7%)	0.2%	$21.44	$22.65	-5.3%	5 10YR CORP BD	808524698
VIG	VANGUARD SPECIALIZED FUNDS	3,267 (-2.3%)	$762K (-3.7%)	0.6%	$233.30	$166.72	+39.9%	DIV APP ETF	921908844
ESGV	VANGUARD WORLD FD	2,498 (-6.6%)	$339K (-4.2%)	0.3%	$135.55	$121.27	+11.8%	ESG US STK ETF	921910733
SPY	STATE STR SPDR S&P 500 ETF T	1,180 (-1.5%)	$900K (+0.6%)	0.7%	$762.84	$545.84	+39.7%	TR UNIT	78462F103
MGC	VANGUARD WORLD FD	813 (-5.2%)	$230K (-2.2%)	0.2%	$282.31	$248.16	+13.8%	MRNGSTR CAP ETF	921910873

Unchanged Positions (12)

SCHB SCHWAB STRATEGIC TR 20.3%

Value $26.55M Shares 905,716 Share Price $29.31 Est. Cost/Share $21.39 Unrealized @ Report Date +37.1%

MSFT MICROSOFT CORP 0.9%

Value $1.202M Shares 2,344 Share Price $513.00 Est. Cost/Share $500.58 Unrealized @ Report Date +2.5%

CAT CATERPILLAR INC 0.3%

Value $372K Shares 458 Share Price $811.60 Est. Cost/Share $425.39 Unrealized @ Report Date +90.6%

AAPL APPLE INC 0.3%

Value $394K Shares 1,183 Share Price $332.92 Est. Cost/Share $183.57 Unrealized @ Report Date +81.4%

HD HOME DEPOT INC 0.2%

Value $209K Shares 736 Share Price $284.49 Est. Cost/Share $343.18 Unrealized @ Report Date -17.1%

OEF ISHARES TR 0.3%

Value $412K Shares 1,078 Share Price $382.08 Est. Cost/Share $299.06 Unrealized @ Report Date +27.8%

COST COSTCO WHOLESALE CORPORATION 0.3%

Value $449K Shares 493 Share Price $910.34 Est. Cost/Share $488.10 Unrealized @ Report Date +86.5%

GOOGL ALPHABET INC 0.2%

Value $206K Shares 600 Share Price $344.08 Est. Cost/Share $359.96 Unrealized @ Report Date -4.4%

VV VANGUARD INDEX FDS 0.2%

Value $286K Shares 814 Share Price $351.82 Est. Cost/Share $265.76 Unrealized @ Report Date +32.4%

IWB ISHARES TR 0.2%

Value $262K Shares 629 Share Price $416.13 Est. Cost/Share $372.62 Unrealized @ Report Date +11.7%

JPM JPMORGAN CHASE & CO 0.2%

Value $264K Shares 798 Share Price $330.83 Est. Cost/Share $252.67 Unrealized @ Report Date +30.9%

SCHE SCHWAB STRATEGIC TR 0.3%

Value $363K Shares 9,956 Share Price $36.45 Est. Cost/Share $30.12 Unrealized @ Report Date +21.0%

Ticker	Issuer	Shares	Value	%	Share Price	Est. Cost/Share	Unrealized @ Report Date	Class	CUSIP
SCHB	SCHWAB STRATEGIC TR	905,716	$26.55M	20.3%	$29.31	$21.39	+37.1%	US BRD MKT ETF	808524102
MSFT	MICROSOFT CORP	2,344	$1.202M	0.9%	$513.00	$500.58	+2.5%	COM	594918104
CAT	CATERPILLAR INC	458	$372K	0.3%	$811.60	$425.39	+90.6%	COM	149123101
AAPL	APPLE INC	1,183	$394K	0.3%	$332.92	$183.57	+81.4%	COM	037833100
HD	HOME DEPOT INC	736	$209K	0.2%	$284.49	$343.18	-17.1%	COM	437076102
OEF	ISHARES TR	1,078	$412K	0.3%	$382.08	$299.06	+27.8%	S&P 100 ETF	464287101
COST	COSTCO WHOLESALE CORPORATION	493	$449K	0.3%	$910.34	$488.10	+86.5%	COM	22160K105
GOOGL	ALPHABET INC	600	$206K	0.2%	$344.08	$359.96	-4.4%	CAP STK CL A	02079K305
VV	VANGUARD INDEX FDS	814	$286K	0.2%	$351.82	$265.76	+32.4%	MRNGSTR LRG CAP	922908637
IWB	ISHARES TR	629	$262K	0.2%	$416.13	$372.62	+11.7%	RUS 1000 ETF	464287622
JPM	JPMORGAN CHASE & CO	798	$264K	0.2%	$330.83	$252.67	+30.9%	COM	46625H100
SCHE	SCHWAB STRATEGIC TR	9,956	$363K	0.3%	$36.45	$30.12	+21.0%	EMRG MKTEQ ETF	808524706