0001214659-22-008993.txt : 20220719 0001214659-22-008993.hdr.sgml : 20220719 20220719165617 ACCESSION NUMBER: 0001214659-22-008993 CONFORMED SUBMISSION TYPE: 13F-HR PUBLIC DOCUMENT COUNT: 2 CONFORMED PERIOD OF REPORT: 20220630 FILED AS OF DATE: 20220719 DATE AS OF CHANGE: 20220719 EFFECTIVENESS DATE: 20220719 FILER: COMPANY DATA: COMPANY CONFORMED NAME: FINANCIAL CONSULATE, INC CENTRAL INDEX KEY: 0001624510 IRS NUMBER: 521281169 STATE OF INCORPORATION: MD FISCAL YEAR END: 1231 FILING VALUES: FORM TYPE: 13F-HR SEC ACT: 1934 Act SEC FILE NUMBER: 028-16386 FILM NUMBER: 221092053 BUSINESS ADDRESS: STREET 1: 11019 MCCORMICK ROAD STREET 2: SUITE 200 CITY: HUNT VALLEY STATE: MD ZIP: 21031 BUSINESS PHONE: (410) 823-7283 MAIL ADDRESS: STREET 1: 11019 MCCORMICK ROAD STREET 2: SUITE 200 CITY: HUNT VALLEY STATE: MD ZIP: 21031 13F-HR 1 primary_doc.xml 13F-HR LIVE false false false 0001624510 XXXXXXXX 06-30-2022 06-30-2022 false FINANCIAL CONSULATE, INC

11019 MCCORMICK ROAD SUITE 200 HUNT VALLEY MD 21031

13F HOLDINGS REPORT 028-16386 N Charles Bender 410-823-7283 /s/ Charles Bender Hunt Valley MD 07-19-2022 0 123 213416 INFORMATION TABLE 2 infotable.xml SCHWAB STRATEGIC TR US LRG CAP ETF 808524201 24817 555684 SH SOLE 535752 0 19932 SPDR INDEX SHS FDS MSCI ACWI EXUS 78463X848 17680 743491 SH SOLE 719100 0 24391 SPDR SER TR PRTFLO S&P500 GW 78464A409 15195 290646 SH SOLE 287588 0 3058 SCHWAB STRATEGIC TR US MID-CAP ETF 808524508 14973 238684 SH SOLE 233209 0 5475 MCCORMICK & CO INC COM NON VTG 579780206 13518 162381 SH OTR 162381 0 0 SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 12815 407465 SH SOLE 403099 0 4366 APPLE INC COM 037833100 11415 83490 SH OTR 83378 0 112 SCHWAB STRATEGIC TR INT-TRM U.S TRES 808524854 7922 153521 SH SOLE 152252 0 1269 10X GENOMICS INC CL A COM 88025U109 7011 154942 SH OTR 154942 0 0 SCHWAB STRATEGIC TR INTL SCEQT ETF 808524888 4769 152701 SH SOLE 151434 0 1267 MICROSOFT CORP COM 594918104 4322 16828 SH OTR 16792 0 36 SPDR SER TR S&P 600 SMCP GRW 78464A201 3944 55937 SH SOLE 54162 0 1775 180 DEGREE CAP CORP COM NEW 68235B208 3293 537191 SH SOLE 536725 0 466 SCHWAB STRATEGIC TR US BRD MKT ETF 808524102 3092 69977 SH SOLE 69973 0 4 MCDONALDS CORP COM 580135101 2831 11469 SH OTR 11469 0 0 SPDR INDEX SHS FDS ASIA PACIF ETF 78463X301 2694 26169 SH SOLE 25251 0 918 SPDR SER TR PORTFOLIO S&P500 78464A854 2092 47188 SH SOLE 47074 0 114 SPDR INDEX SHS FDS PORTFOLIO DEVLPD 78463X889 2045 70909 SH SOLE 70517 0 392 ISHARES TR CORE S&P500 ETF 464287200 1939 5113 SH SOLE 5113 0 0 PATRICK INDS INC COM 703343103 1842 35530 SH OTR 35530 0 0 SPDR INDEX SHS FDS PORTFLI MSCI GBL 78463X475 1720 37399 SH SOLE 36963 0 436 ISHARES TR CORE S&P TTL STK 464287150 1640 19570 SH SOLE 19570 0 0 UNITED PARCEL SERVICE INC CL B 911312106 1637 8967 SH OTR 8967 0 0 LOCKHEED MARTIN CORP COM 539830109 1632 3795 SH OTR 3795 0 0 PNC FINL SVCS GROUP INC COM 693475105 1585 10045 SH OTR 10045 0 0 ISHARES TR CORE MSCI TOTAL 46432F834 1318 23107 SH SOLE 23107 0 0 AMAZON COM INC COM 023135106 1275 12008 SH OTR 11800 0 208 PROCTER AND GAMBLE CO COM 742718109 1190 8275 SH OTR 8275 0 0 ALPHABET INC CAP STK CL C 02079K107 1173 536 SH OTR 521 0 15 ALLY FINL INC COM 02005N100 1130 33720 SH SOLE 33720 0 0 ISHARES TR S&P SML 600 GWT 464287887 1093 10378 SH SOLE 10378 0 0 SPDR SER TR PORTFOLIO S&P400 78464A847 1069 26925 SH SOLE 26903 0 22 ISHARES TR CORE US AGGBD ET 464287226 1050 10326 SH SOLE 10326 0 0 VISA INC COM CL A 92826C839 1017 5166 SH OTR 4991 0 175 MASTERCARD INCORPORATED CL A 57636Q104 911 2887 SH OTR 2802 0 85 DOCUSIGN INC COM 256163106 909 15849 SH OTR 15849 0 0 BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 883 3235 SH OTR 3235 0 0 DANAHER CORPORATION COM 235851102 853 3364 SH OTR 3264 0 100 MERCK & CO INC COM 58933Y105 804 8820 SH OTR 8820 0 0 FASTENAL CO COM 311900104 786 15751 SH OTR 15486 0 265 VANGUARD CHARLOTTE FDS TOTAL INT BD ETF 92203J407 751 15154 SH SOLE 15154 0 0 JOHNSON & JOHNSON COM 478160104 703 3963 SH OTR 3963 0 0 HEWLETT PACKARD ENTERPRISE C COM 42824C109 693 52236 SH OTR 52236 0 0 TESLA INC COM 88160R101 685 1017 SH OTR 1017 0 0 KIMBERLY-CLARK CORP COM 494368103 643 4755 SH OTR 4755 0 0 JPMORGAN CHASE & CO COM 46625H100 616 5469 SH OTR 5469 0 0 ISHARES TR CORE S&P MCP ETF 464287507 602 2662 SH SOLE 2662 0 0 CSX CORP COM 126408103 594 20432 SH OTR 20432 0 0 DIGITALBRIDGE GROUP INC NOTE 5.000% 4/1 19624RAA4 588 591000 SH OTR 576000 0 15000 VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 588 1694 SH OTR 1694 0 0 UNITEDHEALTH GROUP INC COM 91324P102 572 1114 SH OTR 1114 0 0 RAYTHEON TECHNOLOGIES CORP COM 75513E101 553 5757 SH OTR 5757 0 0 ABBVIE INC COM 00287Y109 532 3476 SH OTR 3476 0 0 COSTCO WHSL CORP NEW COM 22160K105 529 1103 SH OTR 1103 0 0 VERIZON COMMUNICATIONS INC COM 92343V104 525 10337 SH OTR 10337 0 0 QUALCOMM INC COM 747525103 523 4093 SH OTR 3949 0 144 ALPHABET INC CAP STK CL A 02079K305 521 239 SH OTR 239 0 0 HOME DEPOT INC COM 437076102 515 1879 SH OTR 1879 0 0 ACNB CORP COM 000868109 484 16312 SH OTR 16312 0 0 AMERICAN TOWER CORP NEW COM 03027X100 483 1888 SH OTR 1822 0 66 AT&T INC COM 00206R102 483 23032 SH OTR 23018 0 14 VANGUARD WORLD FDS INF TECH ETF 92204A702 475 1454 SH SOLE 1454 0 0 SCHWAB STRATEGIC TR US AGGREGATE B 808524839 470 9827 SH SOLE 9827 0 0 THERMO FISHER SCIENTIFIC INC COM 883556102 470 865 SH OTR 824 0 41 S&P GLOBAL INC COM 78409V104 465 1380 SH SOLE 1315 0 65 CHEVRON CORP NEW COM 166764100 464 3205 SH OTR 3205 0 0 MCCORMICK & CO INC COM VTG 579780107 462 5566 SH OTR 5566 0 0 HEICO CORP NEW CL A 422806208 457 4335 SH OTR 4133 0 202 INTUITIVE SURGICAL INC COM NEW 46120E602 456 2270 SH OTR 2173 0 97 SPDR SER TR PORTFLI INTRMDIT 78464A672 456 15471 SH SOLE 15467 0 4 TRANSDIGM GROUP INC COM 893641100 447 833 SH OTR 795 0 38 SCHWAB STRATEGIC TR SHT TM US TRES 808524862 440 8936 SH SOLE 8936 0 0 BIO-TECHNE CORP COM 09073M104 413 1190 SH OTR 1135 0 55 ISHARES TR RUS 1000 GRW ETF 464287614 411 1878 SH SOLE 1878 0 0 VAALCO ENERGY INC COM NEW 91851C201 396 57000 SH OTR 57000 0 0 CBRE GROUP INC CL A 12504L109 391 5311 SH OTR 5063 0 248 WASTE CONNECTIONS INC COM 94106B101 391 3152 SH OTR 3005 0 147 CATERPILLAR INC COM 149123101 375 2100 SH OTR 2100 0 0 LENDINGTREE INC NOTE 0.500% 7/1 52603BAD9 369 542000 SH OTR 542000 0 0 ANSYS INC COM 03662Q105 363 1517 SH OTR 1447 0 70 CARMAX INC COM 143130102 363 4008 SH OTR 3822 0 186 SPDR INDEX SHS FDS S&P INTL SMLCP 78463X871 362 12509 SH SOLE 12509 0 0 MARKEL CORP COM 570535104 341 264 SH OTR 252 0 12 TJX COS INC NEW COM 872540109 341 6107 SH OTR 6107 0 0 CABLE ONE INC COM 12685J105 339 263 SH OTR 251 0 12 VANGUARD WORLD FDS HEALTH CAR ETF 92204A504 334 1420 SH OTR 1420 0 0 HERSHEY CO COM 427866108 332 1544 SH OTR 1544 0 0 NVIDIA CORPORATION COM 67066G104 329 2169 SH OTR 2169 0 0 EXELON CORP COM 30161N101 327 7207 SH OTR 7207 0 0 EXXON MOBIL CORP COM 30231G102 326 3805 SH OTR 3805 0 0 COSTAR GROUP INC COM 22160N109 314 5197 SH OTR 4953 0 244 SELECT SECTOR SPDR TR SBI CONS DISCR 81369Y407 309 2247 SH OTR 2247 0 0 ROYALTY PHARMA PLC SHS CLASS A G7709Q104 307 7300 SH OTR 7300 0 0 ECOLAB INC COM 278865100 301 1956 SH OTR 1865 0 91 DOLLAR GEN CORP NEW COM 256677105 300 1221 SH OTR 1164 0 57 BECTON DICKINSON & CO COM 075887109 290 1177 SH OTR 1177 0 0 WESBANCO INC COM 950810101 289 9127 SH OTR 9127 0 0 ILLUMINA INC COM 452327109 288 1563 SH OTR 1490 0 73 M & T BK CORP COM 55261F104 286 1794 SH OTR 1794 0 0 VULCAN MATLS CO COM 929160109 282 1984 SH OTR 1891 0 93 ABBOTT LABS COM 002824100 276 2542 SH OTR 2542 0 0 TELEFLEX INCORPORATED COM 879369106 269 1093 SH OTR 1043 0 50 VANGUARD WORLD FDS INDUSTRIAL ETF 92204A603 267 1634 SH SOLE 1634 0 0 FIRST TR EXCHANGE TRADED FD INTL EQUITY OPP 33734X853 264 6092 SH OTR 5833 0 259 ISHARES TR 3 7 YR TREAS BD 464288661 248 2081 SH OTR 2081 0 0 PEPSICO INC COM 713448108 245 1470 SH OTR 1470 0 0 BRISTOL-MYERS SQUIBB CO COM 110122108 243 3160 SH OTR 3160 0 0 ISHARES TR MSCI ACWI ETF 464288257 243 2900 SH SOLE 2900 0 0 VERISK ANALYTICS INC COM 92345Y106 242 1400 SH OTR 1335 0 65 INTERNATIONAL BUSINESS MACHS COM 459200101 240 1701 SH OTR 1701 0 0 VEEVA SYS INC CL A COM 922475108 236 1193 SH OTR 1137 0 56 ISHARES TR EAFE SML CP ETF 464288273 235 4302 SH SOLE 4302 0 0 CISCO SYS INC COM 17275R102 232 5445 SH OTR 5445 0 0 SPDR SER TR PRTFLO S&P500 HI 78468R788 222 5554 SH SOLE 5554 0 0 GUIDEWIRE SOFTWARE INC COM 40171V100 217 3061 SH OTR 2918 0 143 BLACKLINE INC COM 09239B109 215 3224 SH OTR 3075 0 149 SBA COMMUNICATIONS CORP NEW CL A 78410G104 211 659 SH OTR 628 0 31 DOMINION ENERGY INC COM 25746U109 204 2560 SH OTR 2560 0 0 IDEXX LABS INC COM 45168D104 201 572 SH OTR 546 0 26 AXSOME THERAPEUTICS INC COM 05464T104 200 5220 SH OTR 5220 0 0 YEXT INC COM 98585N106 72 15000 SH OTR 15000 0 0 GINKGO BIOWORKS HOLDINGS INC CL A SHS 37611X100 24 10000 SH OTR 10000 0 0 TERAWULF INC COM 88080T104 12 10000 SH OTR 10000 0 0