Q3 2026 13F · SEC CIK 2118380

Downshift Financial, LLC

Wealth managerFiled 2026-10-13 for Q3 2026. Open the filing ↗ · All SEC filings ↗

Reported 13F value: $226.8M
Reported positions: 710
Holdings vs S&P 500, 3 yrs: —
Assets under management: $214.7M

Downshift Financial, LLC is a wealth manager that reported 710 positions worth $226.8M in its Q3 2026 13F, filed 2026-10-13. Its largest holdings were Schwab Strategic Tr (SCHB, 12.7%), Schwab Strategic Tr (SCHF, 9.4%), Vanguard Index Fds (VTI, 8.8%).

Downshift Financial, LLC holdings largest 50 of 710 positions.

Weights are shares of the filer's total reported 13F value, compared with Q2 2026. Share changes may reflect splits; weight changes also reflect price moves. A 13F shows long US-listed positions only, up to 135 days after the fact.

Downshift Financial, LLC 13F holdings
Stock	% of 13F value	Q2 2026	Shares	Share change	Reported value
SCHBSchwab Strategic Tr	12.7%	11.9%	984,152	+8.3%	$28.8M
SCHFSchwab Strategic Tr	9.4%	10.1%	779,305	-3.2%	$21.4M
VTIVanguard Index Fds	8.8%	8.6%	53,488	+4.8%	$20.0M
SCHRSchwab Strategic Tr	8.7%	8.1%	829,751	+14.2%	$19.7M
SCHXSchwab Strategic Tr	5.8%	7.4%	434,801	-21.7%	$13.0M
VVVanguard Index Fds	4.9%	4.9%	31,311	-0.1%	$11.0M
VXUSVanguard Star Fds	4.6%	4.3%	122,584	+10.7%	$10.4M
SPLGSpdr Series Trust	2.6%	2.6%	66,393	+1.4%	$6.0M
VGITVanguard Scottsdale Fds	2.5%	2.4%	101,531	+11.0%	$5.8M
IXUSIshares Tr	2.2%	2.2%	52,781	+2.9%	$5.0M
NVDANvidia Corporation	2.0%	1.2%	19,958	+55.0%	$4.6M
SCHMSchwab Strategic Tr	2.0%	2.7%	131,317	-17.8%	$4.5M
SPTISpdr Series Trust	2.0%	2.0%	162,384	+2.5%	$4.4M
SPDWSpdr Index Shs Fds	1.9%	1.8%	85,822	+6.4%	$4.3M
SCHGSchwab Strategic Tr	1.7%	1.6%	106,320	+0.0%	$3.8M
VOVanguard Index Fds	1.5%	1.6%	43,895	+0.1%	$3.4M
VOOVanguard Index Fds	1.5%	1.5%	4,737	-3.8%	$3.3M
IVVIshares Tr	1.2%	1.1%	3,631	+8.6%	$2.8M
SCHASchwab Strategic Tr	1.2%	1.6%	81,463	-15.5%	$2.7M
AAPLApple Inc	1.1%	0.3%	7,383	+249.4%	$2.5M
VEAVanguard Ftse Developed Markets Index Fu	1.1%	1.1%	33,842	-2.5%	$2.4M
VTVanguard Intl Equity Index F	1.1%	0.8%	15,104	+31.7%	$2.4M
AAUAEa Series Trust	0.9%	0.9%	35,307	+0.0%	$2.1M
SPMDSpdr Series Trust	0.8%	0.9%	28,926	-0.0%	$1.8M
VBVanguard Index Fds	0.8%	0.9%	6,121	-1.1%	$1.7M
VTVVanguard Index Fds	0.6%	0.6%	6,053	+0.0%	$1.3M
ITOTIshares Tr	0.5%	0.5%	6,991	+11.0%	$1.2M
SCHOSchwab Strategic Tr	0.5%	0.4%	46,557	+27.5%	$1.1M
VWOVanguard Intl Equity Index F	0.5%	0.5%	18,280	-0.0%	$1.1M
VUGVanguard Index Fds	0.4%	0.4%	10,158	-5.2%	$915K
VONEVanguard Scottsdale Fds	0.4%	0.4%	2,633	+0.0%	$906K
SPTSSpdr Series Trust	0.4%	0.4%	31,103	-5.2%	$892K
SPSMSpdr Series Trust	0.4%	0.4%	16,428	+0.0%	$868K
FNDFSchwab Strategic Tr	0.3%	0.3%	13,720	+0.0%	$737K
GOOGLAlphabet Inc	0.3%	0.3%	2,097	+21.1%	$722K
VBRVanguard Index Fds	0.3%	0.3%	3,115	+0.3%	$720K
GOOGAlphabet Inc	0.3%	0.3%	1,697	+1.6%	$578K
MSFTMicrosoft Corp	0.3%	—	1,124	—	$576K
BALLBall Corp	0.2%	0.3%	9,265	+0.0%	$519K
SCHDSchwab Strategic Tr	0.2%	0.3%	15,804	-11.7%	$514K
ESGVVanguard World Fd	0.2%	0.2%	3,790	+0.1%	$514K
IJHIshares Tr	0.2%	0.2%	7,078	+0.1%	$509K
SCHZSchwab Strategic Tr	0.2%	0.2%	22,873	+0.0%	$505K
SPYState Str Spdr S&p 500 ETF T	0.2%	—	646	—	$493K
IEFAIshares Tr	0.2%	0.2%	4,989	+0.0%	$483K
BRK-BBerkshire Hathaway Inc Del	0.2%	—	952	—	$474K
QQQInvesco Qqq Tr	0.2%	0.2%	640	+7.6%	$473K
METAMeta Platforms Inc	0.2%	—	637	—	$462K
AMZNAmazon Com Inc	0.2%	—	1,852	—	$461K
SCHQSchwab Strategic Tr	0.2%	0.3%	16,022	-30.6%	$456K

What Downshift Financial, LLC bought and sold in Q3 2026, against Q2 2026.

New positions

Q2 2026's filing was too long to tell new positions apart.

Added to

AAPL Apple Inc+249.4% shares
NVDA Nvidia Corporation+55.0% shares
VT Vanguard Intl Equity Index F+31.7% shares
SCHO Schwab Strategic Tr+27.5% shares
GOOGL Alphabet Inc+21.1% shares
SCHR Schwab Strategic Tr+14.2% shares
ITOT Ishares Tr+11.0% shares
VGIT Vanguard Scottsdale Fds+11.0% shares

Reduced

Left the top 50

MUB Ishares Trwas 0.3%
GOVT Ishares Trwas 0.3%
CRDO Credo Technology Group Holdiwas 0.2%
TSLA Tesla Incwas 0.2%
IJR Ishares Trwas 0.2%

Share counts compared with the Q2 2026 13F; a split also changes share counts. The latest filing lists more than 50 positions, so a position that left the top 50 may still be held.

How the holdings did against the S&P 500.

1 year: —
3 years: —
5 years: —

A portfolio of the filer's 20 largest 13F positions, weighted by value, bought the trading day after each 13F was filed and held until the next one was: what copying this filer could have earned. 13Fs show long US-listed positions only, so this is an estimate of the stock picks, not the fund's reported returns.

Reported 13F value by quarter.

13F value by quarter
Quarter	13F value	Positions
Q3 2026	$226.8M	710
Q2 2026	$220.3M	660
Q1 2026	$193.2M	77
Q4 2025	$162.2M	68

Questions about Downshift Financial, LLC's portfolio

What stocks does Downshift Financial, LLC own?

Downshift Financial, LLC's latest 13F, for Q3 2026 and filed Oct 13, 2026, lists 710 positions worth $226.8M. The largest are Schwab Strategic Tr (SCHB) at 12.7%, Schwab Strategic Tr (SCHF) at 9.4%, Vanguard Index Fds (VTI) at 8.8%, Schwab Strategic Tr (SCHR) at 8.7% and Schwab Strategic Tr (SCHX) at 5.8%.

What did Downshift Financial, LLC buy last quarter?

In Q3 2026, Downshift Financial, LLC added Apple Inc (AAPL) (+249.4% shares), Nvidia Corporation (NVDA) (+55.0% shares) and Vanguard Intl Equity Index F (VT) (+31.7% shares), compared with its Q2 2026 filing.

What did Downshift Financial, LLC sell last quarter?

In Q3 2026, Downshift Financial, LLC cut from its top 50 Ishares Tr (MUB), cut from its top 50 Ishares Tr (GOVT), cut from its top 50 Credo Technology Group Holdi (CRDO), cut from its top 50 Tesla Inc (TSLA), cut from its top 50 Ishares Tr (IJR), Schwab Strategic Tr (SCHQ) (-30.6% shares), Schwab Strategic Tr (SCHX) (-21.7% shares) and Schwab Strategic Tr (SCHM) (-17.8% shares), compared with its Q2 2026 filing.

When is Downshift Financial, LLC's next 13F filing due?

13F filings are due 45 days after each quarter ends. Downshift Financial, LLC's filing for the quarter ending Dec 31, 2026 is due by Feb 14, 2027; this page updates the day after it is published.

How much money does Downshift Financial, LLC manage?

Downshift Financial, LLC reported $214.7M of regulatory assets under management on its latest SEC Form ADV. Its 13F, which covers only US-listed stocks and options, totals $226.8M.