Penney Financial, LLC
CIK 0002049857
Annualised vol
0.569379%
Beta
0.026336
HHI
1139.870934
Top-10 weight
79.886974%
VaR 95%
0.055681%
VaR 99%
0.106352%
Max drawdown
1.004075%
Matched value
2.897192%
Returns of reported holdings
Loading returns…
Position changes vs prior quarter
What the latest 13F shows bought and sold against the quarter before, by share count.
| Ticker | Change | Shares now | Shares before | Share change % | Value now ($) |
|---|---|---|---|---|---|
| AAPL | ADDED | 8,892 | 8,889 | 0.03% | 2,572,916 |
| LNG | ADDED | 4,221 | 2,725 | 54.9% | 1,008,861 |
| AMZN | UNCHANGED | 3,337 | 3,337 | 0.0% | 795,341 |
| CVX | UNCHANGED | 4,349 | 4,349 | 0.0% | 720,838 |
| MSFT | UNCHANGED | 1,861 | 1,861 | 0.0% | 694,190 |
| FLY | UNCHANGED | 22,793 | 22,793 | 0.0% | 670,114 |
| MS | REDUCED | 8,969 | 139,022 | -93.55% | 454,818 |
| GOOGL | UNCHANGED | 829 | 829 | 0.0% | 296,260 |
| META | UNCHANGED | 399 | 399 | 0.0% | 224,753 |
| V | NEW | 645 | - | - | 221,293 |
| CAT | NEW | 202 | - | - | 214,708 |
| EQNR | UNCHANGED | 6,649 | 6,649 | 0.0% | 208,779 |
| JPM | NEW | 625 | - | - | 204,581 |
| FDX | CLOSED OUT | 0 | 1,011 | -100.0% | 0 |
Holdings (latest quarter)
| Ticker | Change | Issuer | Class | CUSIP | Value ($) | Weight % | Shares |
|---|---|---|---|---|---|---|---|
| - | DIMENSIONAL ETF TRUST | US EQUI MARK ETF | 25434V401 | 73,209,211 | 25.59 | 893449.0 | |
| - | VANGUARD INDEX FDS | TOTAL STK MKT | 922908769 | 45,168,690 | 15.79 | 122064.0 | |
| - | VANGUARD TAX-MANAGED FDS | VAN FTSE DEV MKT | 921943858 | 24,393,102 | 8.53 | 342359.0 | |
| - | VANGUARD MALVERN FDS | CORE BD ETF | 922020748 | 20,070,076 | 7.02 | 259865.0 | |
| - | ISHARES TR | 0-3 MTH TREASURY | 46436E718 | 15,609,387 | 5.46 | 155055.0 | |
| - | ISHARES TR | CORE MSCI EAFE | 46432F842 | 12,803,544 | 4.48 | 132569.0 | |
| - | J P MORGAN EXCHANGE TRADED F | INCOME ETF | 46641Q159 | 9,760,666 | 3.41 | 211958.0 | |
| - | VANGUARD WHITEHALL FDS | HIGH DIV YLD | 921946406 | 9,525,929 | 3.33 | 60279.0 | |
| - | SCHWAB STRATEGIC TR | US DIVIDEND EQ | 808524797 | 9,309,899 | 3.25 | 293595.0 | |
| - | VANGUARD MUN BD FDS | CORE TAX EXEMPT | 922907712 | 8,667,122 | 3.03 | 113444.0 | |
| - | CAPITAL GRP FIXED INCM ETF T | MUN INM ETF | 14020Y201 | 5,809,823 | 2.03 | 211497.0 | |
| - | J P MORGAN EXCHANGE TRADED F | EQUITY PREMIUM | 46641Q332 | 5,662,741 | 1.98 | 100261.0 | |
| - | J P MORGAN EXCHANGE TRADED F | ULTRA SHRT ETF | 46641Q837 | 4,260,169 | 1.49 | 84243.0 | |
| - | DIMENSIONAL ETF TRUST | SHOR DUR FIX ETF | 25434V864 | 3,958,571 | 1.38 | 82902.0 | |
| - | VANGUARD STAR FDS | VG TL INTL STK F | 921909768 | 3,631,188 | 1.27 | 42475.0 | |
| - | J P MORGAN EXCHANGE TRADED F | HEDG EQU LAD ETF | 46654Q724 | 3,574,103 | 1.25 | 52887.0 | |
| - | FRANKLIN TEMPLETON ETF TR | FRANKLIN DYN MUN | 35473P868 | 3,136,106 | 1.1 | 124597.0 | |
| - | SCHWAB STRATEGIC TR | US BRD MKT ETF | 808524102 | 2,972,707 | 1.04 | 102649.0 | |
| AAPL | ADDED | APPLE INC | COM | 037833100 | 2,572,916 | 0.9 | 8892.0 |
| - | VANGUARD MUN BD FDS | TAX EXEMPT BD | 922907746 | 2,427,537 | 0.85 | 47994.0 | |
| - | DIMENSIONAL ETF TRUST | NATL MUN BD ETF | 25434V849 | 1,713,379 | 0.6 | 35448.0 | |
| - | VANGUARD INDEX FDS | S&P 500 ETF SHS | 922908363 | 1,518,661 | 0.53 | 2211.0 | |
| - | ISHARES TR | SHRT NAT MUN ETF | 464288158 | 1,342,267 | 0.47 | 12607.0 | |
| - | GOLDMAN SACHS ETF TR | S&P 500 PREMIUM | 38149W622 | 1,092,284 | 0.38 | 19656.0 | |
| - | ISHARES TR | CORE S&P500 ETF | 464287200 | 1,028,975 | 0.36 | 1374.0 | |
| LNG | ADDED | CHENIERE ENERGY INC | COM NEW | 16411R208 | 1,008,861 | 0.35 | 4221.0 |
| - | ISHARES TR | RUS 1000 ETF | 464287622 | 974,610 | 0.34 | 2380.0 | |
| - | ISHARES TR | CORE S&P TTL STK | 464287150 | 861,760 | 0.3 | 5246.0 | |
| - | GOLDMAN SACHS ETF TR | ACTIVEBETA US LG | 381430503 | 819,974 | 0.29 | 5779.0 | |
| - | J P MORGAN EXCHANGE TRADED F | US QUALTY FCTR | 46641Q761 | 819,872 | 0.29 | 11343.0 | |
| AMZN | UNCHANGED | AMAZON COM INC | COM | 023135106 | 795,341 | 0.28 | 3337.0 |
| CVX | UNCHANGED | CHEVRON CORPORATION | COM | 166764100 | 720,838 | 0.25 | 4349.0 |
| MSFT | UNCHANGED | MICROSOFT CORP | COM | 594918104 | 694,190 | 0.24 | 1861.0 |
| FLY | UNCHANGED | FIREFLY AEROSPACE INC | COM | 31816X106 | 670,114 | 0.23 | 22793.0 |
| - | ISHARES TR | RUSSELL 2000 ETF | 464287655 | 661,891 | 0.23 | 2203.0 | |
| MS | REDUCED | MORGAN STANLEY ETF TRUST | EATO VANC BD ETF | 61774R841 | 454,818 | 0.16 | 8969.0 |
| - | GRANITE CONSTR INC | COM | 387328107 | 316,160 | 0.11 | 2000.0 | |
| - | VANGUARD INDEX FDS | GROWTH ETF | 922908736 | 313,722 | 0.11 | 3642.0 | |
| - | VANGUARD INDEX FDS | SMALL CP ETF | 922908751 | 304,636 | 0.11 | 1005.0 | |
| - | VANGUARD BD INDEX FDS | SHORT TRM BOND | 921937827 | 298,395 | 0.1 | 3830.0 | |
| GOOGL | UNCHANGED | ALPHABET INC | CAP STK CL A | 02079K305 | 296,260 | 0.1 | 829.0 |
| - | SCHWAB STRATEGIC TR | US LRG CAP ETF | 808524201 | 288,887 | 0.1 | 9816.0 | |
| - | ISHARES TR | CORE S&P MCP ETF | 464287507 | 275,668 | 0.1 | 3575.0 | |
| - | SPDR INDEX SHS FDS | ST STR ACWI ETF | 78463X848 | 265,982 | 0.09 | 6540.0 | |
| - | VANGUARD INDEX FDS | VALUE ETF | 922908744 | 258,683 | 0.09 | 1187.0 | |
| - | EXXON MOBIL CORP | COM | 30231G102 | 232,014 | 0.08 | 1697.0 | |
| META | UNCHANGED | META PLATFORMS INC | CL A | 30303M102 | 224,753 | 0.08 | 399.0 |
| - | BRITISH AMERN TOB PLC | SPONSORED ADR | 110448107 | 222,521 | 0.08 | 3603.0 | |
| V | NEW | VISA INC | COM CL A | 92826C839 | 221,293 | 0.08 | 645.0 |
| CAT | NEW | CATERPILLAR INC | COM | 149123101 | 214,708 | 0.08 | 202.0 |
| EQNR | UNCHANGED | EQUINOR ASA | SPONSORED ADR | 29446M102 | 208,779 | 0.07 | 6649.0 |
| JPM | NEW | JPMORGAN CHASE & CO | COM | 46625H100 | 204,581 | 0.07 | 625.0 |
| - | ISHARES TR | CORE US AGGBD ET | 464287226 | 202,810 | 0.07 | 2049.0 |
Quarterly portfolios
| Period | Filed | Value ($) | Positions | Vol % | Beta | Max DD % |
|---|---|---|---|---|---|---|
| 2026-06-30 | 2026-07-22 | 286,051,174 | 53 | 0.569379 | 0.026336 | 1.004075 |
| 2026-03-31 | 2026-04-22 | 260,638,024 | 48 | 1.173336 | 0.048952 | 2.595481 |
| 2025-12-31 | 2026-01-21 | 259,141,372 | 49 | 1.247142 | 0.054014 | 2.682552 |
| 2025-09-30 | 2025-10-21 | 223,331,309 | 49 | 1.306258 | 0.056733 | 2.817623 |
| 2025-03-31 | 2025-05-02 | 152,261,581 | 37 | 0.733244 | 0.033409 | 1.31532 |
| 2024-12-31 | 2025-01-23 | 149,115,598 | 39 | 0.844414 | 0.039338 | 1.502399 |
| 2024-09-30 | 2024-12-31 | 146,612,147 | 36 | 0.701012 | 0.032269 | 1.165657 |
| 2024-06-30 | 2024-12-31 | 136,738,417 | 34 | 0.714729 | 0.032845 | 1.199343 |
| 2024-03-31 | 2024-12-31 | 135,416,379 | 33 | 0.657422 | 0.030015 | 1.129348 |
| 2023-12-31 | 2024-12-26 | 120,926,254 | 31 | 0.718933 | 0.032512 | 1.214399 |