Managers / Q3 2025 · view latest →
Bull Oak Capital, LLC
CIK 0001824263 · 16236 SAN DIEGUITO RD, SUITE 4-22, RANCHO SANTA FE, CA, 92091 · (858) 999-3550
Summary
Bull Oak Capital, LLC reported $235M in U.S.-listed holdings across 32 positions for Q3 2025.
The portfolio is heavily concentrated: IVV alone accounts for 59.0% of reported value.
Compared with Q2 2025, the fund opened 2 new positions and exited 2.
Portfolio Metrics
Methodology: turnover is min(value bought, value sold) ÷ average reported value across the two quarters — value-based, so market moves inflate it slightly versus a share-based measure. Concentration and largest position are shares of the filing’s total reported value, options excluded, with multiple share classes and repeated sub-manager rows for the same issuer combined into one position — the same rule the holdings table uses by default. New/exited counts compare against the prior filed quarter. All figures derive solely from the fund’s 13F filings.
Reported Value by Quarter
Portfolio Composition
- ETP · 98.6% · $232M
- Common Stock · 1.4% · $3M
Quarter-over-Quarter Changes full breakdown →
vs Q2 2025 (amended baseline)
| Issuer | Move | Share Δ | Shares now | Value Δ | Value now |
|---|---|---|---|---|---|
| CTASCINTAS CORP | NEW | +1.4K | 1.4K | +$296,395 | $296,395 |
| GOOGLALPHABET INC | NEW | +969 | 969 | +$235,564 | $235,564 |
| SCHDSCHWAB STRATEGIC TR | SOLD OUT | −7.9K | 0 | −$208,396 | $0 |
| SCHGSCHWAB STRATEGIC TR | SOLD OUT | −6.9K | 0 | −$200,238 | $0 |
| AMERICAN CENTY ETF TR | TRIMMED | −17.2K | 33.4K | −$1M | $3M |
| SPMOINVESCO EXCH TRADED FD TR II | ADDED | +34.5K | 148.1K | +$5M | $18M |
| VOVANGUARD INDEX FDS | TRIMMED | −3.7K | 10.6K | −$896,010 | $3M |
| AAPLAPPLE INC | ADDED | +200 | 1.3K | +$103,787 | $323,125 |
Value changes conflate price moves with buying and selling — share changes are the real signal. Share counts are not split-adjusted.
Holdings — Q3 2025
| # | Issuer | Class | % Portfolio | Value ↓ | Shares |
|---|---|---|---|---|---|
| 1 | IVVISHARES TR | CORE S&P500 ETF · CORE MSCI EAFE · SHORT TREAS BD · 0-3 MNTH TREASRY · US TREAS BD ETF | 59.01% | $139M | 911.7K |
| 2 | AVUSAMERICAN CENTY ETF TR | US EQT ETF · INTL SMCP VLU · US SML CP VALU | 8.97% | $21M | 210.5K |
| 3 | VTIVANGUARD INDEX FDS | TOTAL STK MKT · MID CAP ETF · GROWTH ETF · VALUE ETF | 8.77% | $21M | 65.1K |
| 4 | SPMOINVESCO EXCH TRADED FD TR IIhistory → | S&P 500 MOMNTM | 7.61% | $18M | 148.1K |
| 5 | SPYMSPDR SERIES TRUST | PORTFOLIO S&P500 · PORTFOLIO AGRGTE | 5.56% | $13M | 260.4K |
| 6 | IAUISHARES GOLD TRhistory → | ISHARES NEW | 2.96% | $7M | 95.9K |
| 7 | BSVVANGUARD BD INDEX FDShistory → | SHORT TRM BOND | 2.20% | $5M | 65.6K |
| 8 | IBITISHARES BITCOIN TRUST ETFhistory → | SHS BEN INT | 1.92% | $5M | 69.6K |
| 9 | SCHXSCHWAB STRATEGIC TR | US LRG CAP ETF | 0.95% | $2M | 84.6K |
| 10 | MSFTMICROSOFT CORP | COM | 0.33% | $774,335 | 1.5K |
| 11 | SPYSPDR S&P 500 ETF TR | TR UNIT | 0.29% | $682,803 | 1.0K |
| 12 | INTUINTUIT | COM | 0.25% | $583,888 | 855 |
| 13 | DFUVDIMENSIONAL ETF TRUST | US MKTWIDE VALUE · US EQUITY MARKET | 0.21% | $484,435 | 8.9K |
| 14 | ADBEADOBE INC | COM | 0.14% | $338,287 | 959 |
| 15 | AAPLAPPLE INC | COM | 0.14% | $323,125 | 1.3K |
| 16 | CTASCINTAS CORP | COM | 0.13% | $296,395 | 1.4K |
| 17 | NVDANVIDIA CORPORATION | COM | 0.13% | $295,729 | 1.6K |
| 18 | CRMSALESFORCE INC | COM | 0.12% | $285,585 | 1.2K |
| 19 | BACBANK AMERICA CORP | COM | 0.11% | $259,807 | 5.0K |
| 20 | QQQINVESCO QQQ TR | UNIT SER 1 | 0.10% | $246,752 | 411 |
| 21 | GOOGLALPHABET INC | CAP STK CL A | 0.10% | $235,564 | 969 |
Filing History
| Quarter | Reported Value | Positions | Filed | Type | Links |
|---|---|---|---|---|---|
| Q1 2026 | $260M | 38 | May 11, 2026 | 13F-HR | changes · EDGAR ↗ |
| Q4 2025 | $245M | 36 | Feb 2, 2026 | 13F-HR | changes · EDGAR ↗ |
| Q3 2025 | $235M | 32 | Nov 10, 2025 | 13F-HR | changes · EDGAR ↗ |
| Q2 2025 | $219M | 32 | Aug 1, 2025 | 13F-HR | changes · EDGAR ↗ |
| Q1 2025 | $183M | 23 | Apr 30, 2025 | 13F-HR | changes · EDGAR ↗ |
| Q4 2024 | $180M | 26 | Feb 5, 2025 | 13F-HR | changes · EDGAR ↗ |
| Q3 2024 | $174M | 124 | Oct 23, 2024 | 13F-HR | changes · EDGAR ↗ |
| Q2 2024 | $155M | 45 | Jul 18, 2024 | 13F-HR | changes · EDGAR ↗ |
| Q1 2024 | $149M | 39 | Apr 11, 2024 | 13F-HR | changes · EDGAR ↗ |
| Q4 2023 | $389M | 43 | Jan 29, 2024 | 13F-HR | changes · EDGAR ↗ |
| Q3 2023 | $91M | 86 | Nov 1, 2023 | 13F-HR | changes · EDGAR ↗ |
| Q2 2023 | $137M | 15 | Jul 27, 2023 | 13F-HR | changes · EDGAR ↗ |
| Q1 2023 | $129M | 16 | Apr 25, 2023 | 13F-HR | changes · EDGAR ↗ |
| Q4 2022 | $118M | 15 | Jan 13, 2023 | 13F-HR | changes · EDGAR ↗ |
| Q3 2022 | $103M | 20 | Oct 18, 2022 | 13F-HR | changes · EDGAR ↗ |
13F filings are due up to 45 days after quarter end, so holdings shown here lag the fund’s current book. Source: original SEC filing on EDGAR ↗.