MYECFO, LLC Diversified Active

CIK: 0001986457 · Show all filings

Period: Q4 2025 (← Previous)

Filing Date: Jan 12, 2026

Total Value ($000): $235,595 (100.0% shares, 0.0% debt)

Holdings (64)

New Positions (6)

AVGO BROADCOM INC 0.4%

Value ($000) $1,000 Shares 2,890 Est. Cost $357.00 Unrealized 0.0%

XBFZX BLACKROCK CALIF MUN INCOME T 0.2%

Value ($000) $479 Shares 44,600 Est. Cost $10.74 Unrealized —

XCEM COLUMBIA ETF TR II 0.1%

Value ($000) $339 Shares 8,840 Est. Cost $38.36 Unrealized —

IBIT ISHARES BITCOIN TRUST ETF 0.1%

Value ($000) $214 Shares 4,304 Est. Cost $49.65 Unrealized —

XLF SELECT SECTOR SPDR TR 0.1%

Value ($000) $209 Shares 3,820 Est. Cost $54.77 Unrealized —

OPEN OPENDOOR TECHNOLOGIES INC 0.0%

Value ($000) $68 Shares 11,650 Est. Cost $7.30 Unrealized 0.0%

Ticker	Issuer	Shares	Value ($000)	%	Est. Cost	Unrealized	Class	CUSIP
AVGO	BROADCOM INC	2,890	$1,000	0.4%	$357.00	0.0%	COM	11135F101
XBFZX	BLACKROCK CALIF MUN INCOME T	44,600	$479	0.2%	$10.74	—	SH BEN INT	09248E102
XCEM	COLUMBIA ETF TR II	8,840	$339	0.1%	$38.36	—	EM CORE EX ETF	19762B202
IBIT	ISHARES BITCOIN TRUST ETF	4,304	$214	0.1%	$49.65	—	SHS BEN INT	46438F101
XLF	SELECT SECTOR SPDR TR	3,820	$209	0.1%	$54.77	—	STATE STREET FIN	81369Y605
OPEN	OPENDOOR TECHNOLOGIES INC	11,650	$68	0.0%	$7.30	0.0%	COM	683712103

Increased Positions (23)

SCHB SCHWAB STRATEGIC TR 27.6%

Value ($000) $65,081 (+4.7%) Shares 2,481,049 (+2.6%) Est. Cost $29.89 Unrealized —

VEA VANGUARD TAX-MANAGED FDS 11.7%

Value ($000) $27,457 (+9.6%) Shares 439,520 (+5.1%) Est. Cost $45.15 Unrealized —

GOOGL ALPHABET INC 2.0%

Value ($000) $4,784 (+52.0%) Shares 15,284 (+18.1%) Est. Cost $132.01 Unrealized +116.3%

VWO VANGUARD INTL EQUITY INDEX F 3.4%

Value ($000) $7,986 (+17.2%) Shares 148,452 (+18.1%) Est. Cost $43.31 Unrealized —

CMF ISHARES TR 6.1%

Value ($000) $14,441 (+8.7%) Shares 251,202 (+7.8%) Est. Cost $56.51 Unrealized —

CORP PIMCO ETF TR 3.2%

Value ($000) $7,503 (+14.3%) Shares 76,271 (+14.9%) Est. Cost $95.67 Unrealized —

SCMB SCHWAB STRATEGIC TR 1.9%

Value ($000) $4,444 (+15.9%) Shares 172,440 (+15.2%) Est. Cost $35.05 Unrealized —

SCHR SCHWAB STRATEGIC TR 2.4%

Value ($000) $5,577 (+9.2%) Shares 222,365 (+9.4%) Est. Cost $35.01 Unrealized —

BNDX VANGUARD CHARLOTTE FDS 0.4%

Value ($000) $981 (+64.7%) Shares 20,296 (+68.6%) Est. Cost $49.00 Unrealized —

SCHZ SCHWAB STRATEGIC TR 5.1%

Value ($000) $11,998 (+3.2%) Shares 513,371 (+3.6%) Est. Cost $33.24 Unrealized —

VT VANGUARD INTL EQUITY INDEX F 3.3%

Value ($000) $7,799 (+3.7%) Shares 55,292 (+1.3%) Est. Cost $86.92 Unrealized —

VTI VANGUARD INDEX FDS 0.9%

Value ($000) $2,093 (+9.2%) Shares 6,242 (+6.9%) Est. Cost $242.97 Unrealized —

SCHV SCHWAB STRATEGIC TR 0.9%

Value ($000) $2,160 (+7.2%) Shares 72,940 (+5.4%) Est. Cost $34.69 Unrealized —

DSI ISHARES TR 0.2%

Value ($000) $442 (+37.0%) Shares 3,430 (+34.0%) Est. Cost $100.50 Unrealized —

VSGX VANGUARD WORLD FD 0.2%

Value ($000) $453 (+25.0%) Shares 6,330 (+21.0%) Est. Cost $67.50 Unrealized —

SCHD SCHWAB STRATEGIC TR 1.0%

Value ($000) $2,446 (+3.1%) Shares 89,185 (+2.6%) Est. Cost $41.56 Unrealized —

AFRM AFFIRM HLDGS INC 0.4%

Value ($000) $988 (+7.8%) Shares 13,274 (+5.8%) Est. Cost $27.87 Unrealized +158.2%

XLU SELECT SECTOR SPDR TR 0.2%

Value ($000) $396 (-11.6%) Shares 9,280 (+80.5%) Est. Cost $52.11 Unrealized —

BND VANGUARD BD INDEX FDS 0.3%

Value ($000) $721 (+6.9%) Shares 9,733 (+7.3%) Est. Cost $71.25 Unrealized —

NVDA NVIDIA CORPORATION 0.3%

Value ($000) $724 (+3.0%) Shares 3,880 (+3.0%) Est. Cost $116.12 Unrealized +60.3%

VNQ VANGUARD INDEX FDS 0.3%

Value ($000) $657 (+2.9%) Shares 7,427 (+6.3%) Est. Cost $90.46 Unrealized —

BOX BOX INC 0.2%

Value ($000) $578 (-2.0%) Shares 19,330 (+5.7%) Est. Cost $28.83 Unrealized +8.8%

MSFT MICROSOFT CORP 0.2%

Value ($000) $474 (+0.5%) Shares 981 (+7.7%) Est. Cost $304.44 Unrealized +64.4%

Ticker	Issuer	Shares	Value ($000)	%	Est. Cost	Unrealized	Class	CUSIP
SCHB	SCHWAB STRATEGIC TR	2,481,049 (+2.6%)	$65,081 (+4.7%)	27.6%	$29.89	—	US BRD MKT ETF	808524102
VEA	VANGUARD TAX-MANAGED FDS	439,520 (+5.1%)	$27,457 (+9.6%)	11.7%	$45.15	—	VAN FTSE DEV MKT	921943858
GOOGL	ALPHABET INC	15,284 (+18.1%)	$4,784 (+52.0%)	2.0%	$132.01	+116.3%	CAP STK CL A	02079K305
VWO	VANGUARD INTL EQUITY INDEX F	148,452 (+18.1%)	$7,986 (+17.2%)	3.4%	$43.31	—	FTSE EMR MKT ETF	922042858
CMF	ISHARES TR	251,202 (+7.8%)	$14,441 (+8.7%)	6.1%	$56.51	—	CALIF MUN BD ETF	464288356
CORP	PIMCO ETF TR	76,271 (+14.9%)	$7,503 (+14.3%)	3.2%	$95.67	—	INV GRD CRP BD	72201R817
SCMB	SCHWAB STRATEGIC TR	172,440 (+15.2%)	$4,444 (+15.9%)	1.9%	$35.05	—	MUN BD ETF	808524649
SCHR	SCHWAB STRATEGIC TR	222,365 (+9.4%)	$5,577 (+9.2%)	2.4%	$35.01	—	INT-TRM U.S TRES	808524854
BNDX	VANGUARD CHARLOTTE FDS	20,296 (+68.6%)	$981 (+64.7%)	0.4%	$49.00	—	TOTAL INT BD ETF	92203J407
SCHZ	SCHWAB STRATEGIC TR	513,371 (+3.6%)	$11,998 (+3.2%)	5.1%	$33.24	—	US AGGREGATE B	808524839
VT	VANGUARD INTL EQUITY INDEX F	55,292 (+1.3%)	$7,799 (+3.7%)	3.3%	$86.92	—	TT WRLD ST ETF	922042742
VTI	VANGUARD INDEX FDS	6,242 (+6.9%)	$2,093 (+9.2%)	0.9%	$242.97	—	TOTAL STK MKT	922908769
SCHV	SCHWAB STRATEGIC TR	72,940 (+5.4%)	$2,160 (+7.2%)	0.9%	$34.69	—	US LCAP VA ETF	808524409
DSI	ISHARES TR	3,430 (+34.0%)	$442 (+37.0%)	0.2%	$100.50	—	ESG MSCI KLD 400	464288570
VSGX	VANGUARD WORLD FD	6,330 (+21.0%)	$453 (+25.0%)	0.2%	$67.50	—	ESG INTL STK ETF	921910725
SCHD	SCHWAB STRATEGIC TR	89,185 (+2.6%)	$2,446 (+3.1%)	1.0%	$41.56	—	US DIVIDEND EQ	808524797
AFRM	AFFIRM HLDGS INC	13,274 (+5.8%)	$988 (+7.8%)	0.4%	$27.87	+158.2%	COM CL A	00827B106
XLU	SELECT SECTOR SPDR TR	9,280 (+80.5%)	$396 (-11.6%)	0.2%	$52.11	—	STATE STREET UTI	81369Y886
BND	VANGUARD BD INDEX FDS	9,733 (+7.3%)	$721 (+6.9%)	0.3%	$71.25	—	TOTAL BND MRKT	921937835
NVDA	NVIDIA CORPORATION	3,880 (+3.0%)	$724 (+3.0%)	0.3%	$116.12	+60.3%	COM	67066G104
VNQ	VANGUARD INDEX FDS	7,427 (+6.3%)	$657 (+2.9%)	0.3%	$90.46	—	REAL ESTATE ETF	922908553
BOX	BOX INC	19,330 (+5.7%)	$578 (-2.0%)	0.2%	$28.83	+8.8%	CL A	10316T104
MSFT	MICROSOFT CORP	981 (+7.7%)	$474 (+0.5%)	0.2%	$304.44	+64.4%	COM	594918104

Exited Positions (3)

XEVMX EATON VANCE CALIF MUN BD FD 0.4%

Value ($000) $964 Shares 101,550 Est. Cost $8.68 Unrealized —

BITX VOLATILITY SHS TR 0.1%

Value ($000) $207 Shares 3,751 Est. Cost $55.08 Unrealized —

ETHE GRAYSCALE ETHEREUM TRUST ETF 0.1%

Value ($000) $202 Shares 5,900 Est. Cost $34.27 Unrealized —

Ticker	Issuer	Shares	Value ($000)	%	Est. Cost	Unrealized	Class	CUSIP
XEVMX	EATON VANCE CALIF MUN BD FD	101,550	$964	0.4%	$8.68	—	—	27828A100
BITX	VOLATILITY SHS TR	3,751	$207	0.1%	$55.08	—	—	92864M301
ETHE	GRAYSCALE ETHEREUM TRUST ETF	5,900	$202	0.1%	$34.27	—	—	389638107

Decreased Positions (19)

SIVR ABRDN SILVER ETF TRUST 1.6%

Value ($000) $3,784 (+32.3%) Shares 56,107 (-12.8%) Est. Cost $24.23 Unrealized —

GNMA ISHARES TR 0.9%

Value ($000) $2,046 (-13.7%) Shares 45,945 (-14.1%) Est. Cost $43.50 Unrealized —

IAU ISHARES GOLD TR 0.7%

Value ($000) $1,564 (-12.4%) Shares 19,265 (-21.4%) Est. Cost $35.39 Unrealized —

SCHF SCHWAB STRATEGIC TR 6.1%

Value ($000) $14,394 (+1.3%) Shares 598,757 (-1.9%) Est. Cost $25.53 Unrealized —

GLDM WORLD GOLD TR 0.8%

Value ($000) $1,906 (+9.5%) Shares 22,323 (-1.9%) Est. Cost $48.94 Unrealized —

NYF ISHARES TR 2.8%

Value ($000) $6,704 (-1.5%) Shares 125,290 (-1.8%) Est. Cost $54.97 Unrealized —

SCHP SCHWAB STRATEGIC TR 0.3%

Value ($000) $675 (-13.1%) Shares 25,488 (-11.6%) Est. Cost $39.28 Unrealized —

META META PLATFORMS INC 0.2%

Value ($000) $507 (-14.6%) Shares 768 (-5.0%) Est. Cost $315.19 Unrealized +111.7%

MUB ISHARES TR 0.5%

Value ($000) $1,280 (-5.7%) Shares 11,953 (-6.3%) Est. Cost $105.14 Unrealized —

SCHO SCHWAB STRATEGIC TR 0.1%

Value ($000) $214 (-22.7%) Shares 8,763 (-22.6%) Est. Cost $24.38 Unrealized —

AAPL APPLE INC 0.9%

Value ($000) $2,228 (+2.4%) Shares 8,194 (-4.1%) Est. Cost $145.67 Unrealized +84.2%

VO VANGUARD INDEX FDS 0.2%

Value ($000) $444 (-9.5%) Shares 1,530 (-8.4%) Est. Cost $257.33 Unrealized —

VPU VANGUARD WORLD FD 0.1%

Value ($000) $327 (-12.2%) Shares 1,766 (-10.2%) Est. Cost $158.22 Unrealized —

VOO VANGUARD INDEX FDS 1.3%

Value ($000) $3,064 (+1.4%) Shares 4,885 (-1.0%) Est. Cost $406.26 Unrealized —

DWX SPDR INDEX SHS FDS 0.1%

Value ($000) $209 (-13.5%) Shares 4,758 (-15.9%) Est. Cost $42.70 Unrealized —

IWD ISHARES TR 0.7%

Value ($000) $1,749 (+1.4%) Shares 8,315 (-1.9%) Est. Cost $152.83 Unrealized —

SCHA SCHWAB STRATEGIC TR 0.4%

Value ($000) $948 (-1.8%) Shares 33,281 (-3.8%) Est. Cost $33.67 Unrealized —

BRK/B BERKSHIRE HATHAWAY INC DEL 0.2%

Value ($000) $550 (-1.9%) Shares 1,095 (-1.9%) Est. Cost $308.18 Unrealized +61.4%

VEU VANGUARD INTL EQUITY INDEX F 1.0%

Value ($000) $2,415 (-0.0%) Shares 32,835 (-3.0%) Est. Cost $52.15 Unrealized —

Ticker	Issuer	Shares	Value ($000)	%	Est. Cost	Unrealized	Class	CUSIP
SIVR	ABRDN SILVER ETF TRUST	56,107 (-12.8%)	$3,784 (+32.3%)	1.6%	$24.23	—	PHYSCL SILVR SHS	003264108
GNMA	ISHARES TR	45,945 (-14.1%)	$2,046 (-13.7%)	0.9%	$43.50	—	GNMA BOND ETF	46429B333
IAU	ISHARES GOLD TR	19,265 (-21.4%)	$1,564 (-12.4%)	0.7%	$35.39	—	ISHARES NEW	464285204
SCHF	SCHWAB STRATEGIC TR	598,757 (-1.9%)	$14,394 (+1.3%)	6.1%	$25.53	—	INTL EQTY ETF	808524805
GLDM	WORLD GOLD TR	22,323 (-1.9%)	$1,906 (+9.5%)	0.8%	$48.94	—	SPDR GLD MINIS	98149E303
NYF	ISHARES TR	125,290 (-1.8%)	$6,704 (-1.5%)	2.8%	$54.97	—	NEW YORK MUN ETF	464288323
SCHP	SCHWAB STRATEGIC TR	25,488 (-11.6%)	$675 (-13.1%)	0.3%	$39.28	—	US TIPS ETF	808524870
META	META PLATFORMS INC	768 (-5.0%)	$507 (-14.6%)	0.2%	$315.19	+111.7%	CL A	30303M102
MUB	ISHARES TR	11,953 (-6.3%)	$1,280 (-5.7%)	0.5%	$105.14	—	NATIONAL MUN ETF	464288414
SCHO	SCHWAB STRATEGIC TR	8,763 (-22.6%)	$214 (-22.7%)	0.1%	$24.38	—	SHT TM US TRES	808524862
AAPL	APPLE INC	8,194 (-4.1%)	$2,228 (+2.4%)	0.9%	$145.67	+84.2%	COM	037833100
VO	VANGUARD INDEX FDS	1,530 (-8.4%)	$444 (-9.5%)	0.2%	$257.33	—	MID CAP ETF	922908629
VPU	VANGUARD WORLD FD	1,766 (-10.2%)	$327 (-12.2%)	0.1%	$158.22	—	UTILITIES ETF	92204A876
VOO	VANGUARD INDEX FDS	4,885 (-1.0%)	$3,064 (+1.4%)	1.3%	$406.26	—	S&P 500 ETF SHS	922908363
DWX	SPDR INDEX SHS FDS	4,758 (-15.9%)	$209 (-13.5%)	0.1%	$42.70	—	S&P INTL ETF	78463X772
IWD	ISHARES TR	8,315 (-1.9%)	$1,749 (+1.4%)	0.7%	$152.83	—	RUS 1000 VAL ETF	464287598
SCHA	SCHWAB STRATEGIC TR	33,281 (-3.8%)	$948 (-1.8%)	0.4%	$33.67	—	US SML CAP ETF	808524607
BRK/B	BERKSHIRE HATHAWAY INC DEL	1,095 (-1.9%)	$550 (-1.9%)	0.2%	$308.18	+61.4%	CL B NEW	084670702
VEU	VANGUARD INTL EQUITY INDEX F	32,835 (-3.0%)	$2,415 (-0.0%)	1.0%	$52.15	—	ALLWRLD EX US	922042775

Unchanged Positions (16)

GOOG ALPHABET INC 1.4%

Value ($000) $3,271 Shares 10,423 Est. Cost $115.94 Unrealized +147.0%

ARWR ARROWHEAD PHARMACEUTICALS IN 0.5%

Value ($000) $1,228 Shares 18,497 Est. Cost $31.99 Unrealized +53.2%

AMZN AMAZON COM INC 1.2%

Value ($000) $2,886 Shares 12,504 Est. Cost $102.98 Unrealized +122.2%

SCHE SCHWAB STRATEGIC TR 1.5%

Value ($000) $3,599 Shares 109,901 Est. Cost $23.84 Unrealized —

SCHY SCHWAB STRATEGIC TR 0.3%

Value ($000) $765 Shares 25,646 Est. Cost $24.15 Unrealized —

SPY SPDR S&P 500 ETF TR 0.5%

Value ($000) $1,236 Shares 1,812 Est. Cost $397.46 Unrealized —

VUG VANGUARD INDEX FDS 0.5%

Value ($000) $1,080 Shares 2,214 Est. Cost $246.57 Unrealized —

PG PROCTER AND GAMBLE CO 0.1%

Value ($000) $211 Shares 1,473 Est. Cost $149.87 Unrealized -1.8%

— NUVEEN AMT FREE QLTY MUN INC 0.3%

Value ($000) $619 Shares 53,200 Est. Cost $11.25 Unrealized —

TSLA TESLA INC 0.3%

Value ($000) $726 Shares 1,615 Est. Cost $194.24 Unrealized +128.2%

QQQ INVESCO QQQ TR 0.2%

Value ($000) $436 Shares 710 Est. Cost $551.64 Unrealized —

VIG VANGUARD SPECIALIZED FUNDS 0.2%

Value ($000) $491 Shares 2,232 Est. Cost $158.24 Unrealized —

IVV ISHARES TR 0.1%

Value ($000) $293 Shares 428 Est. Cost $529.86 Unrealized —

VGT VANGUARD WORLD FD 0.3%

Value ($000) $726 Shares 963 Est. Cost $597.26 Unrealized —

IWM ISHARES TR 0.1%

Value ($000) $214 Shares 869 Est. Cost $241.96 Unrealized —

VDE VANGUARD WORLD FD 0.1%

Value ($000) $313 Shares 2,487 Est. Cost $123.72 Unrealized —

Ticker	Issuer	Shares	Value ($000)	%	Est. Cost	Unrealized	Class	CUSIP
GOOG	ALPHABET INC	10,423	$3,271	1.4%	$115.94	+147.0%	CAP STK CL C	02079K107
ARWR	ARROWHEAD PHARMACEUTICALS IN	18,497	$1,228	0.5%	$31.99	+53.2%	COM	04280A100
AMZN	AMAZON COM INC	12,504	$2,886	1.2%	$102.98	+122.2%	COM	023135106
SCHE	SCHWAB STRATEGIC TR	109,901	$3,599	1.5%	$23.84	—	EMRG MKTEQ ETF	808524706
SCHY	SCHWAB STRATEGIC TR	25,646	$765	0.3%	$24.15	—	INTERNL DIVID	808524672
SPY	SPDR S&P 500 ETF TR	1,812	$1,236	0.5%	$397.46	—	TR UNIT	78462F103
VUG	VANGUARD INDEX FDS	2,214	$1,080	0.5%	$246.57	—	GROWTH ETF	922908736
PG	PROCTER AND GAMBLE CO	1,473	$211	0.1%	$149.87	-1.8%	COM	742718109
—	NUVEEN AMT FREE QLTY MUN INC	53,200	$619	0.3%	$11.25	—	COM	670657105
TSLA	TESLA INC	1,615	$726	0.3%	$194.24	+128.2%	COM	88160R101
QQQ	INVESCO QQQ TR	710	$436	0.2%	$551.64	—	UNIT SER 1	46090E103
VIG	VANGUARD SPECIALIZED FUNDS	2,232	$491	0.2%	$158.24	—	DIV APP ETF	921908844
IVV	ISHARES TR	428	$293	0.1%	$529.86	—	CORE S&P500 ETF	464287200
VGT	VANGUARD WORLD FD	963	$726	0.3%	$597.26	—	INF TECH ETF	92204A702
IWM	ISHARES TR	869	$214	0.1%	$241.96	—	RUSSELL 2000 ETF	464287655
VDE	VANGUARD WORLD FD	2,487	$313	0.1%	$123.72	—	ENERGY ETF	92204A306