Q2 2026 13F · SEC CIK 2112099

Financial Concepts Unlimited, Inc.

Wealth managerFiled 2026-08-06 for Q2 2026. Open the filing ↗ · All SEC filings ↗

Reported 13F value: $127.5M
Reported positions: 44
Holdings vs S&P 500, 3 yrs: —
Assets under management: $231.4M

Financial Concepts Unlimited, Inc. is a wealth manager that reported 44 positions worth $127.5M in its Q2 2026 13F, filed 2026-08-06. Its largest holdings were Invesco Qqq Tr (QQQ, 15.7%), Spdr Dow Jones Indl Average (DIA, 15.0%), State Str Spdr S&p 500 ETF T (SPY, 9.1%).

Financial Concepts Unlimited, Inc. holdings all 44 positions.

Weights are shares of the filer's total reported 13F value, compared with Q1 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.

Financial Concepts Unlimited, Inc. 13F holdings
Stock	% of 13F value	Q1 2026	Shares	Share change	Reported value
QQQInvesco Qqq Tr	15.7%	14.0%	27,121	+0.1%	$20.0M
DIASpdr Dow Jones Indl Average	15.0%	14.8%	36,569	+2.3%	$19.1M
SPYState Str Spdr S&p 500 ETF T	9.1%	9.3%	15,504	-2.6%	$11.6M
FLCVFederated Hermes Mdt Large Cap Value	8.7%	8.8%	307,724	-1.0%	$11.0M
NVDANvidia Corporation	7.2%	8.0%	45,956	-10.7%	$9.2M
FSCCFederated Hermes ETF Trust	5.9%	5.3%	201,958	+0.5%	$7.5M
IVVIshares Tr	5.2%	4.9%	8,849	+5.6%	$6.6M
SLYGSpdr Series Trust	4.7%	4.3%	49,817	+0.6%	$5.9M
MKTNFederated Hermes ETF Trust	4.1%	4.7%	202,773	+0.7%	$5.3M
MDYGSpdr Ser Tr	4.1%	3.9%	46,591	+2.0%	$5.2M
FDVFederated Hermes ETF Trust	3.0%	3.3%	122,172	+1.1%	$3.8M
DGROIshares Tr	2.7%	2.8%	44,808	+0.9%	$3.4M
OEFIshares Tr	1.8%	1.8%	6,169	+0.2%	$2.3M
FCSHFederated Hermes Sht Dur	1.6%	1.5%	81,965	+16.7%	$2.0M
AAPLApple Inc	1.5%	1.8%	6,570	-15.7%	$1.9M
BSVVanguard Bd Index Fds	1.4%	1.3%	22,601	+21.6%	$1.8M
AMZNAmazon Com Inc	0.6%	0.7%	3,263	-14.8%	$778K
TSLATesla Inc	0.6%	1.0%	1,820	-39.7%	$765K
VOOVanguard Index Fds	0.6%	0.6%	1,088	+1.7%	$747K
IBBIshares Tr	0.5%	0.5%	3,477	+1.3%	$661K
SCHMSchwab Strategic Tr	0.5%	0.5%	17,017	+0.3%	$627K
SCHASchwab Strategic Tr	0.4%	0.4%	14,749	+0.3%	$533K
JPMJpmorgan Chase & Co	0.4%	0.4%	1,549	-6.6%	$507K
LLYEli Lilly & Co	0.4%	0.3%	406	+1.5%	$487K
FXAIXFidelity Tr 500 Index Ins Prem	0.3%	0.3%	1,571	+0.3%	$410K
VVIAXVanguard Index Fds	0.3%	0.3%	4,492	+0.0%	$382K
SCHFSchwab Strategic Tr	0.3%	0.3%	13,560	+0.6%	$376K
HDHome Depot Inc	0.3%	0.3%	1,060	+0.0%	$374K
WMTWalmart Inc	0.3%	0.4%	3,228	+0.2%	$366K
MSFTMicrosoft Corp	0.3%	0.4%	941	-11.8%	$351K
MARMarriott Intl Inc New	0.2%	0.2%	840	+0.0%	$311K
GOOGLAlphabet Inc	0.2%	0.2%	832	+9.3%	$297K
GLDSpdr Gold Tr	0.2%	0.3%	781	+0.0%	$288K
SCHCSchwab Strategic Tr	0.2%	0.2%	5,743	+0.3%	$276K
VIGVanguard Specialized Funds	0.2%	0.2%	1,165	+7.8%	$276K
PPAInvesco Aerospace & Defense ETF	0.2%	0.2%	1,480	+0.0%	$261K
FDVVFidelity Covington Trust	0.2%	0.2%	4,328	+8.7%	$261K
XOMExxon Mobil Corp	0.2%	0.3%	1,901	-7.0%	$260K
METAMeta Platforms Inc	0.2%	0.2%	456	+2.7%	$257K
SDYSpdr Ser Tr	0.2%	0.2%	1,547	+9.3%	$235K
DFATDimensional ETF Trust	0.2%	0.2%	3,204	+0.0%	$224K
CSCOCisco Sys Inc	0.2%	New	1,871	—	$220K
SCHXSchwab Strategic Tr	0.2%	New	7,097	—	$209K
GOOGAlphabet Inc	0.2%	New	568	—	$201K

What Financial Concepts Unlimited, Inc. bought and sold in Q2 2026, against Q1 2026.

New positions

Share counts compared with the Q1 2026 13F; a split also changes share counts.

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
Q2 2026	$127.5M	44
Q1 2026	$111.6M	43

Questions about Financial Concepts Unlimited, Inc.'s portfolio

What stocks does Financial Concepts Unlimited, Inc. own?

Financial Concepts Unlimited, Inc.'s latest 13F, for Q2 2026 and filed Aug 6, 2026, lists 44 positions worth $127.5M. The largest are Invesco Qqq Tr (QQQ) at 15.7%, Spdr Dow Jones Indl Average (DIA) at 15.0%, State Str Spdr S&p 500 ETF T (SPY) at 9.1%, Federated Hermes Mdt Large Cap Value (FLCV) at 8.7% and Nvidia Corporation (NVDA) at 7.2%.

What did Financial Concepts Unlimited, Inc. buy last quarter?

In Q2 2026, Financial Concepts Unlimited, Inc. added a new position in Cisco Sys Inc (CSCO), a new position in Schwab Strategic Tr (SCHX), a new position in Alphabet Inc (GOOG), Vanguard Bd Index Fds (BSV) (+21.6% shares), Federated Hermes Sht Dur (FCSH) (+16.7% shares) and Alphabet Inc (GOOGL) (+9.3% shares), compared with its Q1 2026 filing.

What did Financial Concepts Unlimited, Inc. sell last quarter?

In Q2 2026, Financial Concepts Unlimited, Inc. sold all of Caterpillar Inc (CAT), sold all of American Express Co (AXP), Tesla Inc (TSLA) (-39.7% shares), Apple Inc (AAPL) (-15.7% shares) and Amazon Com Inc (AMZN) (-14.8% shares), compared with its Q1 2026 filing.

When is Financial Concepts Unlimited, Inc.'s next 13F filing due?

13F filings are due 45 days after each quarter ends. Financial Concepts Unlimited, Inc.'s filing for the quarter ending Sep 30, 2026 is due by Nov 14, 2026; this page updates the day after it is published.

How much money does Financial Concepts Unlimited, Inc. manage?

Financial Concepts Unlimited, Inc. reported $231.4M of regulatory assets under management on its latest SEC Form ADV. Its 13F, which covers only US-listed stocks and options, totals $127.5M.