Managers / Q4 2025 · view latest →
Ballast Financial Advisors LLC
CIK 0002109821 · 535 N CHURCH ST, STE 205, WEST CHESTER, PA, 19380 · 3022538437
Summary
Ballast Financial Advisors LLC reported $97M in U.S.-listed holdings across 70 positions for Q4 2025.
The portfolio is heavily concentrated: SCHX alone accounts for 38.7% of reported value.
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 · 96.3% · $94M
- Common Stock · 3.7% · $4M
Quarter-over-Quarter Changes full breakdown →
| Issuer | Move | Share Δ | Shares now | Value Δ | Value now |
|---|---|---|---|---|---|
| SCHXSCHWAB STRATEGIC TR | NEW | +415.3K | 415.3K | +$11M | $11M |
| SCHZSCHWAB STRATEGIC TR | NEW | +451.8K | 451.8K | +$11M | $11M |
| ISTBISHARES TR | NEW | +213.1K | 213.1K | +$10M | $10M |
| FNDFSCHWAB STRATEGIC TR | NEW | +122.2K | 122.2K | +$6M | $6M |
| AMERICAN CENTY ETF TR | NEW | +39.9K | 39.9K | +$4M | $4M |
| AMERICAN CENTY ETF TR | NEW | +51.8K | 51.8K | +$4M | $4M |
| J P MORGAN EXCHANGE TRADED F | NEW | +56.3K | 56.3K | +$4M | $4M |
| SCHFSCHWAB STRATEGIC TR | NEW | +138.8K | 138.8K | +$3M | $3M |
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 | SCHXSCHWAB STRATEGIC TR | US LRG CAP ETF · US AGGREGATE B · FUNDAMENTAL INTL · INTL EQTY ETF · US LCAP GR ETF · US LCAP VA ETF · FUNDAMENTAL US L · INTL SCEQT ETF · FUNDAMENTAL EMER · US DIVIDEND EQ | 38.70% | $38M | 1.34M |
| 2 | ISTBISHARES TR | CORE 1 5 YR USD · CORE MSCI TOTAL · RUS MID CAP ETF · ISHARES SEMICDTR · CORE DIV GRWTH | 12.63% | $12M | 231.9K |
| 3 | VBKVANGUARD INDEX FDS | SML CP GRW ETF · GROWTH ETF · SM CP VAL ETF · VALUE ETF · SMALL CP ETF · S&P 500 ETF SHS · LARGE CAP ETF · MID CAP ETF | 9.40% | $9M | 29.9K |
| 4 | AMERICAN CENTY ETF TR | US SML CP VALU · US LARGE CAP VLU | 8.23% | $8M | 91.7K |
| 5 | DFISDIMENSIONAL ETF TRUST | INTL SMALL CAP E · EMERGING MKTS CO · US REAL ESTATE E · INTL SMALL CAP V · INTL CORE EQT MK · US CORE EQUITY 2 · US EQUITY MARKET · US CORE EQT MKT | 7.13% | $7M | 209.2K |
| 6 | JCPBJ P MORGAN EXCHANGE TRADED F | US QUALTY FCTR · CORE PLUS BD ETF · ULTRA SHRT ETF | 4.79% | $5M | 78.9K |
| 7 | BNDVANGUARD BD INDEX FDS | TOTAL BND MRKT · SHORT TRM BOND | 2.41% | $2M | 31.0K |
| 8 | VIGVANGUARD SPECIALIZED FUNDShistory → | DIV APP ETF | 2.24% | $2M | 9.9K |
| 9 | VCSHVANGUARD SCOTTSDALE FDS | SHRT TRM CORP BD · INT-TERM CORP | 1.97% | $2M | 23.4K |
| 10 | FBNDFIDELITY MERRIMACK STR TRhistory → | TOTAL BD ETF | 1.48% | $1M | 31.3K |
| 11 | GBTCGRAYSCALE BITCOIN TRUST ETFhistory → | SHS REP COM UT | 1.35% | $1M | 19.2K |
| 12 | VIGIVANGUARD WHITEHALL FDS | INTL DVD ETF · HIGH DIV YLD | 0.91% | $886,407 | 8.4K |
| 13 | VBILVANGUARD INSTL INDEX FD | 0-3 MO TREAS BIL | 0.86% | $837,122 | 11.1K |
| 14 | VTVANGUARD INTL EQUITY INDEX F | TT WRLD ST ETF · FTSE EMR MKT ETF | 0.73% | $708,531 | 8.6K |
| 15 | FVALFIDELITY COVINGTON TRUST | VLU FACTOR ETF | 0.60% | $582,969 | 8.1K |
| 16 | SPDWSPDR INDEX SHS FDS | PORTFOLIO DEVLPD · S&P EMKTSC ETF | 0.51% | $491,400 | 9.3K |
| 17 | QQQINVESCO QQQ TR | UNIT SER 1 | 0.51% | $490,561 | 799 |
| 18 | GOOGLALPHABET INC | CAP STK CL A | 0.49% | $480,379 | 1.5K |
| 19 | SPYSPDR S&P 500 ETF TR | TR UNIT | 0.47% | $459,614 | 674 |
| 20 | IONQIONQ INC | COM | 0.46% | $448,700 | 10.0K |
| 21 | TOTLSSGA ACTIVE ETF TR | STATE STREET DOU | 0.45% | $433,533 | 10.8K |
| 22 | AAPLAPPLE INC | COM | 0.39% | $378,239 | 1.4K |
| 23 | LLYELI LILLY & CO | COM | 0.33% | $322,404 | 300 |
| 24 | TJXTJX COS INC NEW | COM | 0.32% | $311,802 | 2.0K |
| 25 | MSFTMICROSOFT CORP | COM | 0.31% | $303,230 | 627 |
| 26 | SMCISUPER MICRO COMPUTER INC | COM NEW | 0.30% | $292,700 | 10.0K |
| 27 | SMRNUSCALE PWR CORP | CL A COM | 0.29% | $286,234 | 20.2K |
| 28 | JPMJPMORGAN CHASE & CO. | COM | 0.28% | $270,750 | 840 |
| 29 | BACBANK AMERICA CORP | COM | 0.27% | $263,121 | 4.8K |
| 30 | NNENANO NUCLEAR ENERGY INC | COM | 0.25% | $240,100 | 10.0K |
| 31 | RBB FD INC | US TREAS 3 MNTH | 0.24% | $229,248 | 4.6K |
| 32 | VXUSVANGUARD STAR FDS | VG TL INTL STK F | 0.23% | $226,863 | 3.0K |
| 33 | XLUSELECT SECTOR SPDR TR | STATE STREET UTI | 0.23% | $225,323 | 5.3K |
| 34 | BTCGRAYSCALE BITCOIN MINI TR ET | SHS NEW | 0.22% | $213,557 | 5.5K |
Filing History
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 ↗.