Penney Financial, LLC holds a concentrated book of 53 reported positions worth $286.1M as of Q2 2026 (disclosed Jul 22, 2026, a ~22-day 13F lag). This quarter they opened Dimensional US Eq MKT ETF and trimmed Vanguard Total Stock MKT ETF. Their largest long position is Dimensional US Eq MKT ETF at 26% of the reported non-option book. Cloning the disclosed picks since 2024 would be +22% (+12.3%/yr). That is a simulation of the disclosed long book, not audited returns.
The reported book (valued from quarter-end) returned +23.5%, a 1.7-point gap that is the cost of the ~22-day 13F disclosure lag a real follower can't avoid.
Growth of $10,000 cloning Penney Financial, LLC's disclosed long 13F book, rebalanced on each filing date (so it reflects each quarter's actual reporting lag, ~22 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
+6 sectors below the cut, 2% 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 Penney Financial, LLC
| Manager / fund | Shared names | Their $ in those |
|---|---|---|
| Innovator Capital Management, LLC | 5 / 53 | $2.9B |
| Swiss Re Ltd | 11 / 53 | $1.0B |
| Constellation Investments, Inc. | 8 / 53 | $2.7B |
| Planning Project LLC | 8 / 53 | $418.2M |
| Kearns & Associates LLC | 12 / 53 | $177.4M |
| P/E Global LLC | 5 / 53 | $1.3B |
| Dumac, Inc. | 5 / 53 | $877.4M |
| Prosperity Advisers, LLC | 14 / 53 | $108.7M |
Ranked by the share of each fund's own book sitting in the names it shares with Penney 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 | Dimensional ETF Trust US EQUI MARK ETF | $73.2M | 893.4K | 25.6% | ▲New New position | |
| 2 | Vanguard Index FDS TOTAL STK MKT | $45.2M | 122.1K | 15.8% | ▼−4.9% Reduced · −6K sh | |
| 3 | Vanguard Tax-Managed FDS VAN FTSE DEV MKT | $24.4M | 342.4K | 8.5% | ▼−0.4% Reduced · −1K sh | |
| 4 | Vanguard Malvern FDS CORE BD ETF | $20.1M | 259.9K | 7.0% | ▲+183% Added · +168K sh | |
| 5 | Ishares TR 0-3 MTH TREASURY | $15.6M | 155.1K | 5.5% | ▼−10% Reduced · −17K sh | |
| 6 | Ishares TR CORE MSCI EAFE | $12.8M | 132.6K | 4.5% | ▼−5.3% Reduced · −7K sh | |
| 7 | J P Morgan Exchange Traded F INCOME ETF | $9.8M | 212.0K | 3.4% | ▲+1.6% Added · +3K sh | |
| 8 | Vanguard Whitehall FDS HIGH DIV YLD | $9.5M | 60.3K | 3.3% | ▼−0.6% Reduced · −381 sh | |
| 9 | Schwab Strategic TR US DIVIDEND EQ | $9.3M | 293.6K | 3.3% | ▼−4.7% Reduced · −15K sh | |
| 10 | Vanguard Mun BD FDS CORE TAX EXEMPT | $8.7M | 113.4K | 3.0% | ▲New New position | |
| 11 | Capital Grp Fixed Incm ETF T MUN INM ETF | $5.8M | 211.5K | 2.0% | ▲+14% Added · +26K sh | |
| 12 | J P Morgan Exchange Traded F EQUITY PREMIUM | $5.7M | 100.3K | 2.0% | ▲+0.6% Added · +641 sh | |
| 13 | J P Morgan Exchange Traded F ULTRA SHRT ETF | $4.3M | 84.2K | 1.5% | ▲11× Added · +76K sh | |
| 14 | Dimensional ETF Trust SHOR DUR FIX ETF | $4.0M | 82.9K | 1.4% | ▲New New position | |
| 15 | Vanguard Star FDS VG TL INTL STK F | $3.6M | 42.5K | 1.3% | ▲+2.7% Added · +1K sh | |
| 16 | J P Morgan Exchange Traded F HEDG EQU LAD ETF | $3.6M | 52.9K | 1.2% | ▼−22% Reduced · −15K sh | |
| 17 | Franklin Templeton ETF TR FRANKLIN DYN MUN | $3.1M | 124.6K | 1.1% | ▼−57% Reduced · −168K sh | |
| 18 | Schwab Strategic TR US BRD MKT ETF | $3.0M | 102.6K | 1.0% | ▼−8.6% Reduced · −10K sh | |
| 19 | Apple Inc COM | $2.6M | 8.9K | 0.9% | ▲~0% Added · +3 sh | |
| 20 | Vanguard Mun BD FDS TAX EXEMPT BD | $2.4M | 48.0K | 0.8% | ▼−39% Reduced · −30K sh | |
| 21 | Dimensional ETF Trust NATL MUN BD ETF | $1.7M | 35.4K | 0.6% | ▼−63% Reduced · −62K sh | |
| 22 | Vanguard Index FDS S&P 500 ETF SHS | $1.5M | 2.2K | 0.5% | ▲+2.3% Added · +49 sh | |
| 23 | Ishares TR SHRT NAT MUN ETF | $1.3M | 12.6K | 0.5% | ▼−48% Reduced · −12K sh | |
| 24 | Goldman Sachs ETF TR S&P 500 PREMIUM | $1.1M | 19.7K | 0.4% | ▲New New position | |
| 25 | Ishares TR CORE S&P500 ETF | $1.0M | 1.4K | 0.4% | —Held | |
| 26 | Cheniere Energy Inc COM NEW | $1.0M | 4.2K | 0.4% | ▲+55% Added · +1K sh | |
| 27 | Ishares TR RUS 1000 ETF | $975K | 2.4K | 0.3% | —Held | |
| 28 | Ishares TR CORE S&P TTL STK | $862K | 5.2K | 0.3% | —Held | |
| 29 | Goldman Sachs ETF TR ACTIVEBETA US LG | $820K | 5.8K | 0.3% | ▼−99% Reduced · −472K sh | |
| 30 | J P Morgan Exchange Traded F US QUALTY FCTR | $820K | 11.3K | 0.3% | —Held | |
| 31 | Amazon Com Inc COM | $795K | 3.3K | 0.3% | —Held | |
| 32 | Chevron Corporation COM | $721K | 4.3K | 0.3% | —Held | |
| 33 | Microsoft Corp COM | $694K | 1.9K | 0.2% | —Held | |
| 34 | Firefly Aerospace Inc COM | $670K | 22.8K | 0.2% | —Held | |
| 35 | Ishares TR RUSSELL 2000 ETF | $662K | 2.2K | 0.2% | —Held | |
| 36 | Morgan Stanley ETF Trust EATO VANC BD ETF | $455K | 9.0K | 0.2% | ▼−94% Reduced · −130K sh | |
| 37 | Granite Constr Inc COM | $316K | 2.0K | 0.1% | ▼−24% Reduced · −647 sh | |
| 38 | Vanguard Index FDS GROWTH ETF | $314K | 3.6K | 0.1% | ▲+500% Added · +3K sh | |
| 39 | Vanguard Index FDS SMALL CP ETF | $305K | 1.0K | 0.1% | ▼−96% Reduced · −23K sh | |
| 40 | Vanguard BD Index FDS SHORT TRM BOND | $298K | 3.8K | 0.1% | ▼−0.8% Reduced · −31 sh | |
| 41 | Alphabet Inc CAP STK CL A | $296K | 829 | 0.1% | —Held | |
| 42 | Schwab Strategic TR US LRG CAP ETF | $289K | 9.8K | 0.1% | —Held | |
| 43 | Ishares TR CORE S&P MCP ETF | $276K | 3.6K | 0.1% | —Held | |
| 44 | SPDR Index SHS FDS ST STR ACWI ETF | $266K | 6.5K | 0.1% | —Held | |
| 45 | Vanguard Index FDS VALUE ETF | $259K | 1.2K | 0.1% | —Held | |
| 46 | Exxon Mobil Corp COM | $232K | 1.7K | 0.1% | —Held | |
| 47 | Meta Platforms Inc CL A | $225K | 399 | 0.1% | —Held | |
| 48 | British Amern Tob PLC SPONSORED ADR | $223K | 3.6K | 0.1% | —Held | |
| 49 | Visa Inc COM CL A | $221K | 645 | 0.1% | ▲New New position | |
| 50 | Caterpillar Inc COM | $215K | 202 | 0.1% | ▲New New position |
This fund page is the Follow view. The Build view lets your agent pull holdings, quarter changes, overlap, and source filings through API or MCP.
curl -H "Authorization: Bearer YOUR_API_KEY" \ "https://arkolith.com/api/v1/funds/2049857/holdings"
Use Arkolith to show PENNEY 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.
| Quarter | As of | Filed | Lag | Positions | Value | Form |
|---|---|---|---|---|---|---|
| Q2 2026 | Jun 30, 2026 | Jul 22, 2026 | 22d | 53 | $286.1M | 13F-HR |
| Q1 2026 | Mar 31, 2026 | Apr 22, 2026 | 22d | 48 | $260.6M | 13F-HR |
| Q4 2025 | Dec 31, 2025 | Jan 21, 2026 | 21d | 49 | $259.1M | 13F-HR |
| Q3 2025 | Sep 30, 2025 | Oct 21, 2025 | 21d | 49 | $223.3M | 13F-HR |
| Q2 2025 | Jun 30, 2025 | Jul 23, 2025 | 23d | 42 | $196.7M | 13F-HR |
| Q1 2025 | Mar 31, 2025 | May 2, 2025 | 32d | 37 | $152.3M | 13F-HR |
| Q4 2024 | Dec 31, 2024 | Jan 23, 2025 | 23d | 39 | $149.1M | 13F-HR |
| Q3 2024 | Sep 30, 2024 | Dec 31, 2024 | 92d | 36 | $146.6M | 13F-HR |
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.