Q3 2026 13F · SEC CIK 2049857

Penney Financial, LLC

Wealth managerFiled 2026-10-20 for Q3 2026. Open the filing ↗ · All SEC filings ↗

Reported 13F value: $338.9M
Reported positions: 44
Holdings vs S&P 500, 3 yrs: —
Assets under management: $303.5M

Penney Financial, LLC is a wealth manager that reported 44 positions worth $338.9M in its Q3 2026 13F, filed 2026-10-20. Its largest holdings were Dimensional ETF Trust (DFUS, 23.5%), Ishares Tr (SGOV, 13.9%), Vanguard Index Fds (VTI, 13.5%).

Penney Financial, LLC holdings all 44 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.

Penney Financial, LLC 13F holdings
Stock	% of 13F value	Q2 2026	Shares	Share change	Reported value
DFUSDimensional ETF Trust	23.5%	25.6%	957,113	+7.1%	$79.5M
SGOVIshares Tr	13.9%	5.5%	467,440	+201.5%	$47.1M
VTIVanguard Index Fds	13.5%	15.8%	122,661	+0.5%	$45.9M
JPSTJ P Morgan Exchange Traded F	8.7%	1.5%	582,975	+592.0%	$29.4M
VEAVanguard Ftse Developed Markets Index Fu	7.3%	8.5%	349,810	+2.2%	$24.7M
VCRBVanguard Malvern Fds	6.7%	7.0%	309,583	+19.1%	$22.8M
IEFAIshares Tr	3.8%	4.5%	133,379	+0.6%	$12.9M
JPIEJpmorgan Income ETF	3.2%	3.4%	243,280	+14.8%	$10.9M
VYMVanguard Whitehall Fds	2.8%	3.3%	62,057	+2.9%	$9.6M
SCHDSchwab Strategic Tr	2.7%	3.3%	284,097	-3.2%	$9.2M
JEPIJ P Morgan Exchange Traded F	1.9%	2.0%	115,965	+15.7%	$6.5M
VCRMVanguard Mun Bd Fds	1.4%	3.0%	68,301	-39.8%	$4.9M
DFSDDimensional Short-Duration Fixed Income	1.4%	1.4%	101,686	+22.7%	$4.7M
VXUSVanguard Star Fds	1.1%	1.3%	44,950	+5.8%	$3.8M
HELOJ P Morgan Exchange Traded F	1.0%	1.2%	47,550	-10.1%	$3.3M
CGMUCapital Grp Fixed Incm ETF T	0.8%	2.0%	109,591	-48.2%	$2.8M
SCHBSchwab Strategic Tr	0.8%	1.0%	90,268	-12.1%	$2.6M
GPIXGoldman Sachs ETF Tr	0.7%	0.4%	43,008	+118.8%	$2.4M
AAPLApple Inc	0.5%	0.9%	4,917	-44.7%	$1.6M
VOOVanguard Index Fds	0.5%	0.5%	2,239	+1.3%	$1.6M
IVVIshares Tr	0.3%	0.4%	1,374	+0.0%	$1.1M
IWBIshares Tr	0.3%	0.3%	2,380	+0.0%	$990K
MSFTMicrosoft Corp	0.3%	0.2%	1,873	+0.6%	$961K
CVXChevron Corporation	0.3%	0.3%	4,353	+0.1%	$889K
ITOTIshares Tr	0.3%	0.3%	5,246	+0.0%	$872K
LNGCheniere Energy Inc	0.3%	0.4%	3,176	-24.8%	$854K
JQUAJpmorgan U.s. Quality Factor ETF	0.2%	0.3%	11,343	+0.0%	$837K
GSLCGoldman Sachs ETF Tr	0.2%	0.3%	5,766	-0.2%	$836K
AMZNAmazon Com Inc	0.2%	0.3%	3,303	-1.0%	$823K
IWMIshares Tr	0.2%	0.2%	2,203	+0.0%	$612K
FLYFirefly Aerospace Inc	0.1%	0.2%	15,293	-32.9%	$354K
VUGVanguard Index Fds	0.1%	0.1%	3,642	+0.0%	$328K
SCHXSchwab Strategic Tr	0.1%	0.1%	9,816	+0.0%	$294K
GOOGLAlphabet Inc	0.1%	0.1%	838	+1.1%	$288K
VBVanguard Index Fds	0.1%	0.1%	1,005	+0.0%	$286K
METAMeta Platforms Inc	0.1%	0.1%	388	-2.8%	$281K
XOMExxonmobil Holdings Corp	0.1%	—	1,705	—	$277K
CWISpdr Index Shs Fds	0.1%	0.1%	6,540	+0.0%	$264K
IJHIshares Tr	0.1%	0.1%	3,575	+0.0%	$257K
VTVVanguard Index Fds	0.1%	0.1%	1,187	+0.0%	$256K
VVisa Inc	0.1%	0.1%	648	+0.5%	$233K
GVAGranite Constr Inc	0.1%	0.1%	2,000	+0.0%	$232K
BOXXEa Series Trust	0.1%	—	1,900	—	$225K
JPMJpmorgan Chase & Co	0.1%	—	627	—	$207K

What Penney 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

JPST J P Morgan Exchange Traded F+592.0% shares
SGOV Ishares Tr+201.5% shares
GPIX Goldman Sachs ETF Tr+118.8% shares
DFSD Dimensional Short-Duration Fixed Income +22.7% shares
VCRB Vanguard Malvern Fds+19.1% shares
JEPI J P Morgan Exchange Traded F+15.7% shares
JPIE Jpmorgan Income ETF+14.8% shares
DFUS Dimensional ETF Trust+7.1% shares

Reduced

CGMU Capital Grp Fixed Incm ETF T-48.2% shares
AAPL Apple Inc-44.7% shares
VCRM Vanguard Mun Bd Fds-39.8% shares
FLY Firefly Aerospace Inc-32.9% shares
LNG Cheniere Energy Inc-24.8% shares
SCHB Schwab Strategic Tr-12.1% shares
HELO J P Morgan Exchange Traded F-10.1% shares

Sold out

Share counts compared with the Q2 2026 13F; a split also changes share counts.

How the holdings did against the S&P 500.

1 year: +8.1% /yr; S&P 500 +11.7%
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	$338.9M	44
Q2 2026	$286.1M	53
Q1 2026	$260.6M	48
Q4 2025	$259.1M	49
Q3 2025	$223.3M	49
Q2 2025	$196.7M	42
Q1 2025	$152.3M	37
Q4 2024	$149.1M	39
Q3 2024	$146.6M	36

Questions about Penney Financial, LLC's portfolio

What stocks does Penney Financial, LLC own?

Penney Financial, LLC's latest 13F, for Q3 2026 and filed Oct 20, 2026, lists 44 positions worth $338.9M. The largest are Dimensional ETF Trust (DFUS) at 23.5%, Ishares Tr (SGOV) at 13.9%, Vanguard Index Fds (VTI) at 13.5%, J P Morgan Exchange Traded F (JPST) at 8.7% and Vanguard Ftse Developed Markets Index Fu (VEA) at 7.3%.

What did Penney Financial, LLC buy last quarter?

In Q3 2026, Penney Financial, LLC added J P Morgan Exchange Traded F (JPST) (+592.0% shares), Ishares Tr (SGOV) (+201.5% shares) and Goldman Sachs ETF Tr (GPIX) (+118.8% shares), compared with its Q2 2026 filing.

What did Penney Financial, LLC sell last quarter?

In Q3 2026, Penney Financial, LLC sold all of Franklin Templeton ETF Tr (FLMI), sold all of Vanguard Mun Bd Fds (VTEB), sold all of Dimensional ETF Trust (DFNM), sold all of Ishares Tr (SUB), sold all of Morgan Stanley ETF Trust (EVTR), Capital Grp Fixed Incm ETF T (CGMU) (-48.2% shares), Apple Inc (AAPL) (-44.7% shares) and Vanguard Mun Bd Fds (VCRM) (-39.8% shares), compared with its Q2 2026 filing.

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

13F filings are due 45 days after each quarter ends. Penney 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 Penney Financial, LLC manage?

Penney Financial, LLC reported $303.5M of regulatory assets under management on its latest SEC Form ADV. Its 13F, which covers only US-listed stocks and options, totals $338.9M.