Valpey Financial Services, LLC

· CIK 0002077991

13F Portfolio $153M AUM Filed Nov 7, 2025 EDGAR ↗ ← All Funds

Q4 2025 Q3 2025

#	Ticker	Company	Sector	Shares	Value	% Port	Chg Shares	Chg %	Period Price ①	Since Period ①
1	BNDX	VANGUARD BD INDEX FDS	—	198,956.0	$11.5M	7.53%	NEW	—	$57.86	-17.8%
2	VUG	VANGUARD INDEX FDS	—	17,422.0	$8.4M	5.47%	NEW	—	$479.60	-81.8%
3	VTV	VANGUARD INDEX FDS	—	43,904.0	$8.2M	5.36%	NEW	—	$186.49	+10.8%
4	SCHG	SCHWAB STRATEGIC TR	—	251,275.0	$8.0M	5.25%	NEW	—	$31.91	+7.4%
5	SCHV	SCHWAB STRATEGIC TR	—	207,445.0	$6.0M	3.95%	NEW	—	$29.11	+11.9%
6	VXUS	VANGUARD STAR FDS	—	79,337.0	$5.8M	3.81%	NEW	—	$73.46	+13.1%
7	VEU	VANGUARD INTL EQUITY INDEX F	—	75,789.0	$5.4M	3.54%	NEW	—	$71.37	+13.5%
8	—	SPDR INDEX SHS FDS	—	123,662.0	$5.3M	3.46%	NEW	—	$42.79	—
9	SCHF	SCHWAB STRATEGIC TR	—	223,656.0	$5.2M	3.41%	NEW	—	$23.28	+14.7%
10	SCHO	SCHWAB STRATEGIC TR	—	201,812.0	$4.9M	3.22%	NEW	—	$24.40	-1.1%
11	BSV	VANGUARD BD INDEX FDS	—	59,850.0	$4.7M	3.09%	NEW	—	$78.91	-1.4%
12	VO	VANGUARD INDEX FDS	—	14,953.0	$4.4M	2.88%	NEW	—	$293.73	-73.9%
13	SCHM	SCHWAB STRATEGIC TR	—	141,937.0	$4.2M	2.75%	NEW	—	$29.64	+14.5%
14	VBR	VANGUARD INDEX FDS	—	20,118.0	$4.2M	2.75%	NEW	—	$208.71	+8.9%
15	SCHZ	SCHWAB STRATEGIC TR	—	156,521.0	$3.7M	2.40%	NEW	—	$23.47	-2.3%
16	SCHA	SCHWAB STRATEGIC TR	—	130,463.0	$3.6M	2.38%	NEW	—	$27.90	+16.8%
17	IUSG	ISHARES TR	—	21,059.0	$3.5M	2.27%	NEW	—	$164.54	+13.5%
18	VONV	VANGUARD SCOTTSDALE FDS	—	37,220.0	$3.3M	2.18%	NEW	—	$89.37	+14.0%
19	IUSV	ISHARES TR	—	29,153.0	$2.9M	1.91%	NEW	—	$99.95	+8.2%
20	AGG	ISHARES TR	—	28,608.0	$2.9M	1.88%	NEW	—	$100.25	-2.2%
21	VTC	VANGUARD SCOTTSDALE FDS	—	36,071.0	$2.8M	1.85%	NEW	—	$78.38	-2.9%
22	TIP	ISHARES TR	—	21,888.0	$2.4M	1.59%	NEW	—	$111.22	-0.5%
23	BKLN	INVESCO EXCH TRADED FD TR II	—	112,080.0	$2.3M	1.53%	NEW	—	$20.93	-1.5%
24	IVOO	VANGUARD ADMIRAL FDS INC	—	19,778.0	$2.2M	1.43%	NEW	—	$110.38	+10.7%
25	VIOO	VANGUARD ADMIRAL FDS INC	—	18,895.0	$2.1M	1.37%	NEW	—	$110.47	+12.0%
26	EFA	ISHARES TR	—	21,859.0	$2.0M	1.34%	NEW	—	$93.37	+8.9%
27	SPYV	SPDR SERIES TRUST	—	35,764.0	$2.0M	1.29%	NEW	—	$55.33	+8.2%
28	SCHP	SCHWAB STRATEGIC TR	—	69,827.0	$1.9M	1.23%	NEW	—	$26.95	-1.1%
29	VONG	VANGUARD SCOTTSDALE FDS	—	14,636.0	$1.8M	1.15%	NEW	—	$120.50	+6.2%
30	IJH	ISHARES TR	—	26,161.0	$1.7M	1.12%	NEW	—	$65.26	+10.7%
31	VWO	VANGUARD INTL EQUITY INDEX F	—	26,465.0	$1.4M	0.94%	NEW	—	$54.18	+7.9%
32	IJR	ISHARES TR	—	11,486.0	$1.4M	0.89%	NEW	—	$118.82	+12.7%
33	SPY	SPDR S&P 500 ETF TR	Financial Services	1,934.0	$1.3M	0.84%	NEW	—	$666.21	+10.9%
34	MSFT	MICROSOFT CORP	Technology	2,107.0	$1.1M	0.71%	NEW	—	$518.04	-21.0%
35	IJS	ISHARES TR	—	9,407.0	$1.0M	0.68%	NEW	—	$110.59	+13.6%
36	IAGG	ISHARES TR	—	20,070.0	$1.0M	0.67%	NEW	—	$51.23	-3.0%
37	SHY	ISHARES TR	—	12,135.0	$1.0M	0.66%	NEW	—	$82.96	-1.1%
38	VEA	VANGUARD TAX-MANAGED FDS	—	15,808.0	$947K	0.62%	NEW	—	$59.92	+15.3%
39	VB	VANGUARD INDEX FDS	—	3,615.0	$919K	0.60%	NEW	—	$254.26	+10.8%
40	IDEV	ISHARES TR	—	11,229.0	$900K	0.59%	NEW	—	$80.17	+9.6%
41	AAPL	APPLE INC	Technology	3,521.0	$897K	0.59%	NEW	—	$254.64	+17.9%
42	IBM	INTERNATIONAL BUSINESS MACHS	Technology	3,122.0	$881K	0.58%	NEW	—	$282.16	-22.6%
43	SPYG	SPDR SERIES TRUST	—	7,651.0	$800K	0.52%	NEW	—	$104.50	+13.3%
44	SPMD	SPDR SERIES TRUST	—	12,925.0	$739K	0.48%	NEW	—	$57.19	+10.7%
45	SHV	ISHARES TR	—	6,644.0	$734K	0.48%	NEW	—	$110.49	-0.2%
46	IVW	ISHARES TR	—	5,941.0	$717K	0.47%	NEW	—	$120.73	+13.2%
47	VGSH	VANGUARD SCOTTSDALE FDS	—	10,998.0	$647K	0.42%	NEW	—	$58.85	-1.1%
48	IUSB	ISHARES TR	—	13,653.0	$638K	0.42%	NEW	—	$46.71	-2.2%
49	IVE	ISHARES TR	—	2,949.0	$609K	0.40%	NEW	—	$206.50	+8.2%
50	VUSB	VANGUARD BD INDEX FDS	—	11,366.0	$568K	0.37%	NEW	—	$50.00	-0.6%
51	SPSM	SPDR SERIES TRUST	—	10,624.0	$492K	0.32%	NEW	—	$46.32	+12.5%
52	ILCG	ISHARES TR	—	4,571.0	$477K	0.31%	NEW	—	$104.31	+10.5%
53	IXUS	ISHARES TR	—	5,765.0	$476K	0.31%	NEW	—	$82.59	+13.1%
54	GS	GOLDMAN SACHS ETF TR	Financial Services	9,545.0	$446K	0.29%	NEW	—	$46.69	+1975.3%
55	XOM	EXXON MOBIL CORP	Energy	3,925.0	$443K	0.29%	NEW	—	$112.76	+35.5%
56	AOK	ISHARES TR	—	10,648.0	$428K	0.28%	NEW	—	$40.16	+1.8%
57	JPM	JPMORGAN CHASE & CO.	Financial Services	1,340.0	$423K	0.28%	NEW	—	$315.43	-4.9%
58	AOR	ISHARES TR	—	6,488.0	$418K	0.27%	NEW	—	$64.38	+5.8%
59	IWF	ISHARES TR	—	781.0	$366K	0.24%	NEW	—	$468.41	-73.4%
60	SPLV	INVESCO EXCH TRADED FD TR II	—	4,935.0	$363K	0.24%	NEW	—	$73.48	-1.6%
61	—	VANGUARD SCOTTSDALE FDS	—	4,230.0	$356K	0.23%	NEW	—	$84.12	—
62	—	SPDR SERIES TRUST	—	10,112.0	$312K	0.20%	NEW	—	$30.86	—
63	VTI	VANGUARD INDEX FDS	—	896.0	$294K	0.19%	NEW	—	$328.24	+10.5%
64	SCHR	SCHWAB STRATEGIC TR	—	10,284.0	$258K	0.17%	NEW	—	$25.13	-2.4%
65	AOA	ISHARES TR	—	2,814.0	$248K	0.16%	NEW	—	$88.14	+8.6%
66	GOOGL	ALPHABET INC	Communication Services	967.0	$235K	0.15%	NEW	—	$243.10	+65.0%
67	BIV	VANGUARD BD INDEX FDS	—	2,925.0	$228K	0.15%	NEW	—	$78.09	-2.6%
68	HON	HONEYWELL INTL INC	Industrials	1,070.0	$225K	0.15%	NEW	—	$210.50	+3.4%
69	IVV	ISHARES TR	—	313.0	$209K	0.14%	NEW	—	$669.30	+10.9%
70	—	ISHARES INC	—	3,114.0	$205K	0.13%	NEW	—	$65.93	—
71	IWD	ISHARES TR	—	1,006.0	$205K	0.13%	NEW	—	$203.67	+14.0%

① Period Price is the implied market price on the last day of the reporting period, calculated as reported value ÷ shares held. It is not the fund's purchase price or cost basis — the fund may have initiated or added to the position at any point during the quarter at a different price. Since Period shows the price change from that quarter-end snapshot to today's last price — it reflects stock movement after the report date, not the fund's actual return.

Sector Allocation

Technology 48.4%

Financial Services 36.4%

Energy 7.5%

Communication Services 4.0%

Industrials 3.8%