Managers / Q4 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 $245M in U.S.-listed holdings across 36 positions for Q4 2025.
The portfolio is heavily concentrated: IVV alone accounts for 59.0% of reported value.
Compared with Q3 2025, the fund opened 5 new positions and exited 1.
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 · 98.0% · $240M
- Common Stock · 2.0% · $5M
Quarter-over-Quarter Changes full breakdown →
vs Q3 2025 (amended baseline)
| Issuer | Move | Share Δ | Shares now | Value Δ | Value now |
|---|---|---|---|---|---|
| QCOMQUALCOMM INC | NEW | +4.5K | 4.5K | +$772,804 | $772,804 |
| EXMOCEXXON MOBIL CORP | NEW | +3.5K | 3.5K | +$419,024 | $419,024 |
| PGPROCTER AND GAMBLE CO | NEW | +2.0K | 2.0K | +$292,862 | $292,862 |
| VOOVANGUARD INDEX FDS | NEW | +427 | 427 | +$267,754 | $267,754 |
| PEPPEPSICO INC | NEW | +1.7K | 1.7K | +$249,581 | $249,581 |
| CTASCINTAS CORP | SOLD OUT | −1.4K | 0 | −$296,395 | $0 |
| CRMSALESFORCE INC | TRIMMED | −218 | 987 | −$24,119 | $261,466 |
| SGOVISHARES TR | ADDED | +11.3K | 94.4K | +$1M | $9M |
Value changes conflate price moves with buying and selling — share changes are the real signal. Share counts are not split-adjusted.
Holdings — Q4 2025
| # | Issuer | Class | % Portfolio | Value ↓ | Shares |
|---|---|---|---|---|---|
| 1 | IVVISHARES TR | CORE S&P500 ETF · CORE MSCI EAFE · TRUST ISHARE 0-1 · 0-3 MNTH TREASRY · US TREAS BD ETF | 59.03% | $144M | 942.0K |
| 2 | AVUSAMERICAN CENTY ETF TR | US EQT ETF · INTL SMCP VLU · US SML CP VALU | 8.85% | $22M | 208.5K |
| 3 | VTIVANGUARD INDEX FDS | TOTAL STK MKT · MID CAP ETF · GROWTH ETF · VALUE ETF · S&P 500 ETF SHS | 8.70% | $21M | 65.5K |
| 4 | SPMOINVESCO EXCH TRADED FD TR IIhistory → | S&P 500 MOMNTM | 7.70% | $19M | 158.0K |
| 5 | SPYMSPDR SERIES TRUST | PORTFOLIO S&P500 · PORTFOLIO AGRGTE | 5.35% | $13M | 258.2K |
| 6 | IAUISHARES GOLD TRhistory → | ISHARES NEW | 3.14% | $8M | 94.6K |
| 7 | BSVVANGUARD BD INDEX FDShistory → | SHORT TRM BOND | 2.22% | $5M | 69.0K |
| 8 | IBITISHARES BITCOIN TRUST ETFhistory → | SHS BEN INT | 1.53% | $4M | 75.4K |
| 9 | SCHXSCHWAB STRATEGIC TR | US LRG CAP ETF | 0.93% | $2M | 84.5K |
| 10 | QCOMQUALCOMM INC | COM | 0.32% | $772,804 | 4.5K |
| 11 | MSFTMICROSOFT CORP | COM | 0.29% | $702,700 | 1.5K |
| 12 | SPYSPDR S&P 500 ETF TR | TR UNIT | 0.29% | $698,936 | 1.0K |
| 13 | INTUINTUIT | COM | 0.23% | $566,369 | 855 |
| 14 | DFUVDIMENSIONAL ETF TRUST | US MKTWIDE VALUE · US EQUITY MARKET | 0.20% | $500,874 | 8.9K |
| 15 | EXMOCEXXON MOBIL CORP | COM | 0.17% | $419,024 | 3.5K |
| 16 | ADBEADOBE INC | COM | 0.14% | $335,640 | 959 |
| 17 | AAPLAPPLE INC | COM | 0.13% | $329,766 | 1.2K |
| 18 | GOOGLALPHABET INC | CAP STK CL A | 0.12% | $303,297 | 969 |
| 19 | PGPROCTER AND GAMBLE CO | COM | 0.12% | $292,862 | 2.0K |
| 20 | BACBANK AMERICA CORP | COM | 0.11% | $276,980 | 5.0K |
| 21 | NVDANVIDIA CORPORATION | COM | 0.11% | $276,020 | 1.5K |
| 22 | CRMSALESFORCE INC | COM | 0.11% | $261,466 | 987 |
| 23 | QQQINVESCO QQQ TR | UNIT SER 1 | 0.10% | $252,481 | 411 |
| 24 | PEPPEPSICO INC | COM | 0.10% | $249,581 | 1.7K |
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 ↗.