Zhang Financial LLC Portfolio Holdings

Zhang Financial LLC

$2.42 Billion
Q3 2025

Zhang Financial LLC has filed its 13F form on November 10, 2025 for Q3 2025 where it was disclosed a total value porftolio of $2.42 Billion distributed in 316 stocks.

Among their holdings, we can observe that their the top five positions include companies like: Vanguard Index Fds S&P 500 ETF with a value of $186M, Vanguard Total Stock Market Et with a value of $180M, Dimensional ETF Tr U S Equity with a value of $174M, Ishares Core S&P Total U.S. St with a value of $141M, and Vanguard Star Fd Vanguard Tota with a value of $128M.

Examining the 13F form we can see an increase of $289M in the current position value, from $2.13B to 2.42B.

Below you can find more details about Zhang Financial LLC portfolio as well as his latest detailed transactions.

Portfolio value $2.42 Billion

ETFs: $2.01 Billion

Technology: $158 Million

Healthcare: $72.6 Million

Financial Services: $51.6 Million

Consumer Cyclical: $34.8 Million

Communication Services: $32 Million

Industrials: $24.3 Million

Consumer Defensive: $22.7 Million

Other: $12 Million

Stock Holdings Table

Stock	Market Cap.	Holding Value (Reported)	# of Shares.	Last Trade
VOO Vanguard Index Fds S&P 500 ETF ETFs	$0	$186 Million 7.66% of portfolio	303,156	Q3 2025 Added 3.24%
VTI Vanguard Total Stock Market Et ETFs	$0	$180 Million 7.45% of portfolio	549,958	Q3 2025 Added 0.72%
DFUS Dimensional ETF Tr U S Equity ETFs	$0	$174 Million 7.19% of portfolio	2,403,369	Q3 2025 Added 0.27%
ITOT Ishares Core S&P Total U.S. St ETFs	$0	$141 Million 5.83% of portfolio	969,900	Q3 2025 Added 10.39%
VXUS Vanguard Star Fd Vanguard Tota ETFs	$0	$128 Million 5.28% of portfolio	1,740,574	Q3 2025 Added 11.39%
DFAC Dimensional ETF Tr U S Core Eq ETFs	$0	$127 Million 5.24% of portfolio	3,290,591	Q3 2025 Added 2.55%
VT Vanguard Total World Stk Index ETFs	$0	$98.2 Million 4.05% of portfolio	712,620	Q3 2025 Added 2.6%
BIV Vanguard Bd Index Fd Inc Inter ETFs	$0	$88.7 Million 3.66% of portfolio	1,136,494	Q3 2025 Added 41.26%
DFAI Dimensional ETF Tr ETFs	$0	$64.9 Million 2.68% of portfolio	1,785,546	Q3 2025 Added 2.8%

AAPL Apple Inc. Technology	$4.3T	$52.2 Million 2.15% of portfolio	204,959	Q3 2025 Added 1.4%
VBR Vanguard Small Cap Value ETF ETFs	$0	$49.3 Million 2.03% of portfolio	236,207	Q3 2025 Reduced 0.24%
BND Vanguard Bd Index Fd Inc Total ETFs	$0	$47 Million 1.94% of portfolio	631,836	Q3 2025 Added 7.3%
VYM Vanguard Whitehall Fds (Vangua ETFs	$0	$44.7 Million 1.84% of portfolio	316,988	Q3 2025 Added 7.3%
SYK Stryker Corp Healthcare	$136B	$42.1 Million 1.74% of portfolio	113,980	Q3 2025 Added 0.05%
BKLC Bny Mellon ETF Tr Us Large Cap ETFs	$0	$39.6 Million 1.63% of portfolio	308,448	Q3 2025 Added 1.09%
IAU Ishares Gold Trust ETFs	$65.3B	$34.6 Million 1.43% of portfolio	475,595	Q3 2025 Added 0.39%
MSFT Microsoft Corp Technology	$3.78T	$32.6 Million 1.35% of portfolio	62,946	Q3 2025 Added 1.27%
DFAU Dimensional ETF Tr ETFs	$0	$30 Million 1.24% of portfolio	655,912	Q3 2025 Added 4.61%

AGG Ishares Core U.S. Aggregate Bo ETFs	$0	$29 Million 1.2% of portfolio	289,103	Q3 2025 Added 31.73%
VCSH Vanguard Sht Term Corp Bd ETF ETFs	$0	$28.1 Million 1.16% of portfolio	351,027	Q3 2025 Added 6.47%
AVDE American Centy ETF Tr Avantis ETFs	$0	$26.8 Million 1.11% of portfolio	340,269	Q3 2025 Added 16.23%
NVDA Nvidia Corp Technology	$465B	$26.7 Million 1.1% of portfolio	143,029	Q3 2025 Added 3.64%
VO Vanguard Mid Cap ETF ETFs	$0	$25.7 Million 1.06% of portfolio	87,548	Q3 2025 Added 13.37%
SPTM Spdr Portfolio S&P 1500 Compos ETFs	$0	$21.5 Million 0.89% of portfolio	266,964	Q3 2025 Added 4.73%
VOOV Vanguard S&P 500 Value ETF ETFs	$0	$21.1 Million 0.87% of portfolio	105,882	Q3 2025 Reduced 0.84%
DFSV Dimensional ETF Tr Dimensional ETFs	$0	$20 Million 0.83% of portfolio	628,875	Q3 2025 Reduced -0.0%
MGK Vanguard Mega Cap Growth ETF ETFs	$0	$19.2 Million 0.79% of portfolio	47,778	Q3 2025 Added 6.44%
VEA Vanguard Ftse Developed Market ETFs	$0	$18.2 Million 0.75% of portfolio	303,322	Q3 2025 Added 20.06%
IWN Ishares Russell2000 Val ETF ETFs	$0	$18.1 Million 0.75% of portfolio	102,318	Q3 2025 Reduced 2.56%
IVV Ishares Core S&P 500 ETF ETFs	$0	$17.8 Million 0.73% of portfolio	26,536	Q3 2025 Reduced 0.36%
VUG Vanguard Growth ETF ETFs	$0	$16.9 Million 0.7% of portfolio	35,242	Q3 2025 Added 42.54%
SCHB Schwab Strategic Tr Us Broad M ETFs	$0	$16.7 Million 0.69% of portfolio	650,806	Q3 2025 Added 14.53%
AVUS American Centy ETF Tr Avantis ETFs	$0	$16.7 Million 0.69% of portfolio	153,713	Q3 2025 Added 2.59%
AMZN Amazon Com Inc Consumer Cyclical	$2.39T	$14.9 Million 0.61% of portfolio	67,685	Q3 2025 Added 15.5%
GOOGL Alphabet Inc. Communication Services	$1.65T	$14.6 Million 0.6% of portfolio	59,989	Q3 2025 Added 8.72%
AVUV American Centy ETF Tr Avantis ETFs	$0	$13.7 Million 0.57% of portfolio	137,754	Q3 2025 Added 42.83%
BRK-B Berkshire Hathaway Inc Class B Financial Services	$662B	$12.5 Million 0.52% of portfolio	24,835	Q3 2025 Added 1.01%
VTV Vanguard Value ETF ETFs	$0	$12.2 Million 0.5% of portfolio	65,245	Q3 2025 Added 1.84%
VWO Vanguard Ftse Emerging Mkts Et ETFs	$0	$12.2 Million 0.5% of portfolio	224,902	Q3 2025 Added 0.8%
SCHF Schwab Strategic Tr Intl Eqty ETFs	$0	$11.9 Million 0.49% of portfolio	512,513	Q3 2025 Added 0.46%
SPY Spdr S&P 500 ETF Trust ETFs	$0	$11.8 Million 0.49% of portfolio	17,660	Q3 2025 Added 0.03%
META Meta Platforms, Inc. Communication Services	$1.37T	$10.9 Million 0.45% of portfolio	14,882	Q3 2025 Added 12.11%
SPMD Spdr Portfolio ETFs	$0	$9.9 Million 0.41% of portfolio	173,072	Q3 2025 Added 13.07%
GLDM World Gold Trust ETFs	$11.9B	$7.99 Million 0.33% of portfolio	104,513	Q3 2025 Reduced 0.36%
SUB Ishares Short Term National Mu ETFs	$0	$7.66 Million 0.32% of portfolio	71,702	Q3 2025 Added 1.13%
EMXC Ishares Inc Msci Emerging Mkts ETFs	$0	$7.62 Million 0.31% of portfolio	112,880	Q3 2025 Added 5.78%
AVGO Broadcom Inc. Technology	$139B	$7.2 Million 0.3% of portfolio	21,817	Q3 2025 Added 1.54%
SPAB Spdr Portfolio Aggregate Bond ETFs	$0	$6.71 Million 0.28% of portfolio	259,666	Q3 2025 Added 9.11%
ABBV Abb Vie Inc. Healthcare	$414B	$6.45 Million 0.27% of portfolio	27,875	Q3 2025 Added 13.35%
JPM Jpmorgan Chase & CO Financial Services	$881B	$6.3 Million 0.26% of portfolio	19,968	Q3 2025 Added 2.71%

Summary

Portfolio
No. of Stocks 316
Current Value $2.42 Billion
Prior Value $2.13 Billion
Filing
Period Q3 2025
Filing Date November 10, 2025
Form Type 13F-HR
Activity in Q3 2025
New Purchases 36 stocks
Additional Purchases 154 stocks
Sold out of 0 stocks
Reduced holdings in 83 stocks

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Zhang Financial LLC Portfolio Holdings