Carter Financial, LLC holds a concentrated book of 33 reported positions worth $133.4M as of Q2 2026 (disclosed Aug 13, 2026, a ~44-day 13F lag). This quarter they opened JPMorgan Active Bond ETF and trimmed Vanguard Total Stock MKT ETF. Their largest long position is Vanguard Growth ETF at 25% of the reported non-option book. Cloning the disclosed picks since 2026 would be +10% (+22.5%/yr). That is a simulation of the disclosed long book, not audited returns.
Following at the filing date actually beat the quarter-end book by 2.1 points over this window.
Growth of $10,000 cloning Carter Financial, LLC's disclosed long 13F book, rebalanced on each filing date (so it reflects each quarter's actual reporting lag, ~44 days for the latest filing, with no look-ahead), total-return basis (dividends reinvested), derived from end-of-day prices. “Their reported book” values the same picks from quarter-end, before they were public. S&P 500 is SPY total return over the same window. Excludes shorts, cash, options and non-13F holdings. Not investment advice.
Top-heavy: concentrated book
Share of the disclosed book in its largest positions. A higher top-5 share means a more concentrated, higher-conviction portfolio.
3% mapped to company sectors
+5 sectors below the cut, 1% together
Direct operating-company sectors from our SIC-based security master. ETF/fund and unclassified holdings stay visible separately; this is not ETF look-through exposure.
Estimated $ traded · quarter-end prices (an exit at the prior quarter-end), no cost basis
Other tracked managers holding the same core names as Carter Financial, LLC
| Manager / fund | Shared names | Their $ in those |
|---|---|---|
| Innovator Capital Management, LLC | 3 / 33 | $2.9B |
| Vista Capital Partners, Inc. | 16 / 33 | $969.4M |
| Stuart Investment Advisors, Inc. | 6 / 33 | $194.2M |
| Golden Road Advisors LLC | 11 / 33 | $151.6M |
| Shade Tree Advisors LLC | 6 / 33 | $121.9M |
| Kearns & Associates LLC | 8 / 33 | $150.6M |
| Angeles Investment Advisors, LLC | 4 / 33 | $1.2B |
| Mountain Capital Investment Advisors Inc. | 15 / 33 | $481.6M |
Ranked by the share of each fund's own book sitting in the names it shares with Carter Financial, LLC: only funds sharing at least a tenth of the book qualify. Index giants, bank custody books and market makers are excluded. They hold everything, so their overlap says nothing.
Bars show each position's share of the portfolio. Click a row for its position history.
| # | Security | Value | Shares | % Port | Last move | History |
|---|---|---|---|---|---|---|
| 1 | Vanguard Index FDS GROWTH ETF | $33.2M | 385.8K | 24.9% | ▲+497% Added · +321K sh | |
| 2 | Vanguard Index FDS TOTAL STK MKT | $27.6M | 74.7K | 20.7% | ▼−2.9% Reduced · −2K sh | |
| 3 | Capital Group Dividend Value SHS CREAT UNIT | $20.2M | 409.5K | 15.1% | ▲+3.3% Added · +13K sh | |
| 4 | First TR Exchange-Traded FD FST LOW OPPT EFT | $13.5M | 271.9K | 10.1% | ▲+14% Added · +33K sh | |
| 5 | Vanguard Index FDS VALUE ETF | $11.4M | 52.2K | 8.5% | ▼−1.7% Reduced · −929 sh | |
| 6 | Vanguard Index FDS SMALL CP ETF | $6.5M | 21.4K | 4.9% | ▼−3.4% Reduced · −743 sh | |
| 7 | Vanguard Index FDS REAL ESTATE ETF | $2.8M | 28.7K | 2.1% | ▼−7.8% Reduced · −2K sh | |
| 8 | Vanguard Index FDS S&P 500 ETF SHS | $2.2M | 3.1K | 1.6% | ▲+27% Added · +672 sh | |
| 9 | J P Morgan Exchange Traded F ULTRA SHT MUNCPL | $2.0M | 40.0K | 1.5% | ▲+1.3% Added · +507 sh | |
| 10 | J P Morgan Exchange Traded F MUNICIPAL ETF | $1.6M | 32.5K | 1.2% | ▲+27% Added · +7K sh | |
| 11 | Schwab Strategic TR FUNDAMENTAL INTL | $1.6M | 30.9K | 1.2% | ▲+44% Added · +10K sh | |
| 12 | Apple Inc COM | $1.6M | 5.5K | 1.2% | ▼−5.9% Reduced · −340 sh | |
| 13 | Vanguard Star FDS VG TL INTL STK F | $1.4M | 16.0K | 1.0% | ▼−0.9% Reduced · −155 sh | |
| 14 | Vanguard Mun BD FDS TAX EXEMPT BD | $1.0M | 20.3K | 0.8% | —Held | |
| 15 | Global X FDS S&P 500 CATHOLIC | $672K | 7.6K | 0.5% | —Held | |
| 16 | Visa Inc COM CL A | $597K | 1.7K | 0.4% | —Held | |
| 17 | Schwab Strategic TR US LCAP GR ETF | $568K | 16.8K | 0.4% | ▲+42% Added · +5K sh | |
| 18 | J P Morgan Exchange Traded F ULTRA SHRT ETF | $536K | 10.6K | 0.4% | —Held | |
| 19 | Sempra COM | $378K | 4.1K | 0.3% | —Held | |
| 20 | Berkshire Hathaway Inc Del CL B NEW | $345K | 689 | 0.3% | —Held | |
| 21 | Capital Group Intl Focus Eqt SHS CREAT UNIT | $335K | 9.7K | 0.3% | —Held | |
| 22 | Schwab Strategic TR US BRD MKT ETF | $333K | 11.5K | 0.2% | —Held | |
| 23 | Vanguard BD Index FDS INTERMED TERM | $329K | 4.3K | 0.2% | —Held | |
| 24 | First TR Exchange Traded FD SMID RISNG ETF | $328K | 7.6K | 0.2% | ▲+21% Added · +1K sh | |
| 25 | Caterpillar Inc COM | $319K | 300 | 0.2% | —Held | |
| 26 | J P Morgan Exchange Traded F ACTIVE BOND ETF | $313K | 5.9K | 0.2% | ▲New New position | |
| 27 | Schwab Strategic TR US DIVIDEND EQ | $262K | 8.3K | 0.2% | —Held | |
| 28 | First TR Exchng Traded FD VI FT LADD BUFF ETF | $256K | 7.0K | 0.2% | —Held | |
| 29 | Ishares TR MSCI USA MIN ETF | $250K | 2.6K | 0.2% | ▲New New position | |
| 30 | Microsoft Corp COM | $236K | 634 | 0.2% | —Held | |
| 31 | Abbvie Inc COM | $217K | 862 | 0.2% | ▲New New position | |
| 32 | Fifth Third Bancorp COM | $210K | 3.7K | 0.2% | ▲New New position | |
| 33 | Home Depot Inc COM | $203K | 575 | 0.2% | ▲New New position |
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Use Arkolith to show Carter Financial, LLC's latest holdings, largest changes, and filing provenance.
As-of date vs the date the SEC received each filing
Reported 13F total per quarter. Raw filing totals can include option notional.
Holdings from SEC EDGAR 13F-HR filings, updated quarterly, filed up to 45 days after quarter-end. Public domain. Book totals and portfolio weights cover reported non-option positions, which can include notes and warrants. Disclosed put/call options are listed separately and excluded from those totals. The performance line is a simulation of the disclosed long book, not an audited return.