Asset Manager
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PENNEY FINANCIAL, LLC
825 TOWN & COUNTRY LANE 12TH FLOOR, HOUSTON, TX 77024 • 713-300-5165
Market Value
$286M
+9.8%
Holdings
55
+2
New Purchases
7
Added To
10
Closed
2
Reduced
18
Top 10 Concentration
79.9%
Turnover
16.4%
Top Buys (by % of Portfolio)
| Symbol | Cur % | Prior % | Chg % | Value |
|---|---|---|---|---|
| DFUS | 25.59% | 0.00% | +25.59% | $73M |
| VCRB | 7.02% | 2.73% | +4.29% | $20M |
| VCRM | 3.03% | 0.00% | +3.03% | $9M |
| DFSD | 1.38% | 0.00% | +1.38% | $4M |
| JPST | 1.49% | 0.16% | +1.33% | $4M |
| GPIX | 0.38% | 0.00% | +0.38% | $1M |
| CGMU | 2.03% | 1.93% | +0.10% | $6M |
| VEA | 8.53% | 8.45% | +0.08% | $24M |
| V | 0.08% | 0.00% | +0.08% | $221K |
| CAT | 0.08% | 0.00% | +0.08% | $215K |
| JPM | 0.07% | 0.00% | +0.07% | $205K |
| LNG | 0.35% | 0.30% | +0.06% | $1M |
| VXUS | 1.27% | 1.22% | +0.05% | $4M |
| VOO | 0.53% | 0.50% | +0.04% | $2M |
| AAPL | 0.90% | 0.87% | +0.03% | $3M |
Top Sells (by % of Portfolio)
| Symbol | Cur % | Prior % | Chg % | Value |
|---|---|---|---|---|
| GSLC | 0.29% | 22.93% | -22.65% | $820K |
| EVTR | 0.16% | 2.71% | -2.55% | $455K |
| VB | 0.11% | 2.45% | -2.35% | $305K |
| FLMI | 1.10% | 2.79% | -1.69% | $3M |
| AGG | 0.07% | 1.72% | -1.65% | $203K |
| SGOV | 5.46% | 6.66% | -1.21% | $16M |
| DFNM | 0.60% | 1.78% | -1.19% | $2M |
| VTEB | 0.85% | 1.49% | -0.65% | $2M |
| SUB | 0.47% | 1.00% | -0.53% | $1M |
| HELO | 1.25% | 1.67% | -0.42% | $4M |
| IEFA | 4.48% | 4.86% | -0.39% | $13M |
| SCHD | 3.25% | 3.63% | -0.37% | $9M |
| JPIE | 3.41% | 3.69% | -0.27% | $10M |
| JEPI | 1.98% | 2.17% | -0.19% | $6M |
| FDX | 0.00% | 0.14% | -0.14% | $0 |
Sector Allocation Over Time
Industry Breakdown
| Industry | Weight |
|---|---|
| Financial Services | 97.0% |
| Technology | 1.1% |
| Energy | 0.9% |
| Industrials | 0.5% |
| Consumer Cyclical | 0.3% |
Market Cap Concentration
| Tier | Holdings | Value | Weight |
|---|---|---|---|
| Mega Cap | 17 | $82M | 28.8% |
| Large Cap | 24 | $143M | 50.1% |
| Mid Cap | 12 | $51M | 17.7% |
| Small Cap | 2 | $10M | 3.4% |
Portfolio Analytics
Avg Market Cap
$522.9B
Median Market Cap
$77.4B
Avg P/E
22.4
Median P/E
20.0
Avg Dividend Yield
0.01%
Avg Beta
0.77
# Stocks
16
# ETFs / Funds
39
Top Holdings (55 total)
| # | Symbol | % Port | Shares | Value | Avg Price | Q/Q Value Chg | Share Chg | Chg % | Status |
|---|---|---|---|---|---|---|---|---|---|
| 1 | DFUS | 25.59% | 893,449 | $73M | $81.94 | — | +893,449 | — | NEW |
| 2 | VTI | 15.79% | 122,064 | $45M | $370.04 | $4M | -6,353 | -5.0% | |
| 3 | VEA | 8.53% | 342,359 | $24M | $71.25 | $2M | -1,275 | -0.4% | |
| 4 | VCRB | 7.02% | 259,865 | $20M | $77.23 | $13M | +167,952 | +182.7% | |
| 5 | SGOV | 5.46% | 155,055 | $16M | $100.67 | -$2M | -17,451 | -10.1% | |
| 6 | IEFA | 4.48% | 132,569 | $13M | $96.58 | $124K | -7,495 | -5.3% | |
| 7 | JPIE | 3.41% | 211,958 | $10M | $46.05 | $151K | +3,359 | +1.6% | |
| 8 | VYM | 3.33% | 60,279 | $10M | $158.03 | $542K | -381 | -0.6% | |
| 9 | SCHD | 3.25% | 293,595 | $9M | $31.71 | -$145K | -14,596 | -4.7% | |
| 10 | VCRM | 3.03% | 113,444 | $9M | $76.40 | — | +113,444 | — | NEW |
| 11 | CGMU | 2.03% | 211,497 | $6M | $27.47 | $784K | +26,382 | +14.2% | |
| 12 | JEPI | 1.98% | 100,261 | $6M | $56.48 | $16K | +641 | +0.6% | |
| 13 | JPST | 1.49% | 84,243 | $4M | $50.57 | $4M | +76,243 | +953.0% | |
| 14 | DFSD | 1.38% | 82,902 | $4M | $47.75 | — | +82,902 | — | NEW |
| 15 | VXUS | 1.27% | 42,475 | $4M | $85.49 | $443K | +1,135 | +2.8% | |
| 16 | HELO | 1.25% | 52,887 | $4M | $67.58 | -$773K | -15,136 | -22.2% | |
| 17 | FLMI | 1.10% | 124,597 | $3M | $25.17 | -$4M | -168,418 | -57.5% | |
| 18 | SCHB | 1.04% | 102,649 | $3M | $28.96 | $155K | -9,599 | -8.6% | |
| 19 | AAPL | 0.90% | 8,892 | $3M | $289.35 | $317K | +3 | +0.0% | |
| 20 | VTEB | 0.85% | 47,994 | $2M | $50.58 | -$1M | -30,072 | -38.5% | |
| 21 | DFNM | 0.60% | 35,448 | $2M | $48.33 | -$3M | -61,580 | -63.5% | |
| 22 | VOO | 0.53% | 2,211 | $2M | $686.87 | $227K | +49 | +2.3% | |
| 23 | SUB | 0.47% | 12,607 | $1M | $106.47 | -$1M | -11,839 | -48.4% | |
| 24 | GPIX | 0.38% | 19,656 | $1M | $55.57 | — | +19,656 | — | NEW |
| 25 | IVV | 0.36% | 1,374 | $1M | $748.89 | $131K | — | — | |
| 26 | LNG | 0.35% | 4,221 | $1M | $239.01 | $236K | +1,496 | +54.9% | |
| 27 | IWB | 0.34% | 2,380 | $975K | $409.50 | $126K | — | — | |
| 28 | ITOT | 0.30% | 5,246 | $862K | $164.27 | $115K | — | — | |
| 29 | GSLC | 0.29% | 5,779 | $820K | $141.89 | -$59M | -471,942 | -98.8% | |
| 30 | JQUA | 0.29% | 11,343 | $820K | $72.28 | $124K | — | — | |
| 31 | AMZN | 0.28% | 3,337 | $795K | $238.34 | $100K | — | — | |
| 32 | CVX | 0.25% | 4,349 | $721K | $165.75 | -$179K | — | — | |
| 33 | MSFT | 0.24% | 1,861 | $694K | $373.02 | $5K | — | — | |
| 34 | FLY | 0.23% | 22,793 | $670K | $29.40 | $21K | — | — | |
| 35 | IWM | 0.23% | 2,203 | $662K | $300.45 | $116K | — | — | |
| 36 | EVTR | 0.16% | 8,969 | $455K | $50.71 | -$7M | -130,053 | -93.5% | |
| 37 | GVA | 0.11% | 2,000 | $316K | $158.08 | -$1K | -647 | -24.4% | |
| 38 | VUG | 0.11% | 3,642 | $314K | $86.14 | $49K | +3,035 | +500.0% | |
| 39 | VB | 0.11% | 1,005 | $305K | $303.12 | -$6M | -23,411 | -95.9% | |
| 40 | BSV | 0.10% | 3,830 | $298K | $77.91 | -$4K | -31 | -0.8% | |
| 41 | GOOGL | 0.10% | 829 | $296K | $357.37 | $58K | — | — | |
| 42 | SCHX | 0.10% | 9,816 | $289K | $29.43 | $37K | — | — | |
| 43 | IJH | 0.10% | 3,575 | $276K | $77.11 | $34K | — | — | |
| 44 | CWI | 0.09% | 6,540 | $266K | $40.67 | $27K | — | — | |
| 45 | VTV | 0.09% | 1,187 | $259K | $217.93 | $26K | — | — | |
| 46 | XONA.DE | 0.08% | 1,697 | $232K | $136.72 | -$56K | — | — | |
| 47 | META | 0.08% | 399 | $225K | $563.29 | -$4K | — | — | |
| 48 | BTI | 0.08% | 3,603 | $223K | $61.76 | $12K | — | — | |
| 49 | V | 0.08% | 645 | $221K | $343.09 | — | +645 | — | NEW |
| 50 | CAT | 0.08% | 202 | $215K | $1,062.91 | — | +202 | — | NEW |
| 51 | EQNR | 0.07% | 6,649 | $209K | $31.40 | -$72K | — | — | |
| 52 | JPM | 0.07% | 625 | $205K | $327.33 | — | +625 | — | NEW |
| 53 | AGG | 0.07% | 2,049 | $203K | $98.98 | -$4M | -43,205 | -95.5% | |
| 54 | HDV | —% | — | — | — | -$207K | -1,525 | -100.0% | SOLD |
| 55 | FDX | —% | — | — | — | -$360K | -1,011 | -100.0% | SOLD |