0001737112-25-000008.txt : 20251110 0001737112-25-000008.hdr.sgml : 20251110 20251110164741 ACCESSION NUMBER: 0001737112-25-000008 CONFORMED SUBMISSION TYPE: 13F-HR PUBLIC DOCUMENT COUNT: 2 CONFORMED PERIOD OF REPORT: 20250930 FILED AS OF DATE: 20251110 DATE AS OF CHANGE: 20251110 EFFECTIVENESS DATE: 20251110 FILER: COMPANY DATA: COMPANY CONFORMED NAME: Lutz Financial Services LLC CENTRAL INDEX KEY: 0001737112 ORGANIZATION NAME: EIN: 470828178 FILING VALUES: FORM TYPE: 13F-HR SEC ACT: 1934 Act SEC FILE NUMBER: 028-18716 FILM NUMBER: 251467066 BUSINESS ADDRESS: STREET 1: 13616 CALIFORNIA ST STREET 2: SUITE 200 CITY: OMAHA STATE: NE ZIP: 68154 BUSINESS PHONE: 402-827-2300 MAIL ADDRESS: STREET 1: 13616 CALIFORNIA ST STREET 2: SUITE 200 CITY: OMAHA STATE: NE ZIP: 68154 13F-HR 1 primary_doc.xml X0202 13F-HR LIVE false false false 0001737112 XXXXXXXX 09-30-2025 09-30-2025 Lutz Financial Services LLC

13616 CALIFORNIA ST SUITE 200 OMAHA NE 68154

13F HOLDINGS REPORT 028-18716 000117273 801-62093 N James P. Boulay 402-827-2300 James P. Boulay Omaha NE 11-10-2025 0 96 1381467776 false INFORMATION TABLE 2 lutz3q25.xml ALPHABET INC CAP STK CL A 02079K305 652967 2686 SH SOLE 0 0 2686 ALPHABET INC CAP STK CL C 02079K107 544821 2237 SH SOLE 0 0 2237 AMAZON COM INC COM 023135106 737316 3358 SH SOLE 0 0 3358 AMERICAN CENTY ETF TR US SML CP VALU 025072877 9801605 98478 SH SOLE 0 0 97235 AMERICAN CENTY ETF TR US EQT ETF 025072885 410995 3781 SH SOLE 0 0 3781 AMERICAN CENTY ETF TR INTL EQT ETF 025072703 12297827 155866 SH SOLE 0 0 155866 AMERICAN CENTY ETF TR INTL SMCP VLU 025072802 371611 4174 SH SOLE 0 0 4174 AMERICAN CENTY ETF TR AVANTIS EMGMKT 025072604 206470 2749 SH SOLE 0 0 2749 APPLE INC COM 037833100 1802271 7078 SH SOLE 0 0 7078 BERKSHIRE HATHAWAY INC DEL CL A 084670108 754200 1 SH SOLE 0 0 1 BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 2356845 4688 SH SOLE 0 0 4673 BROADCOM INC COM 11135F101 438120 1328 SH SOLE 0 0 1328 DIMENSIONAL ETF TRUST US CORE EQUITY 2 25434V708 32262453 836465 SH SOLE 0 0 836465 DIMENSIONAL ETF TRUST US SMALL CAP ETF 25434V500 15916448 232493 SH SOLE 0 0 232493 DIMENSIONAL ETF TRUST US TARGETED VLU 25434V609 8113527 139384 SH SOLE 0 0 139384 DIMENSIONAL ETF TRUST INTERNATNAL VAL 25434V807 1317101 28558 SH SOLE 0 0 28558 DIMENSIONAL ETF TRUST US HIGH PROFITAB 25434V831 19426963 514349 SH SOLE 0 0 511361 DIMENSIONAL ETF TRUST US SMALL CAP VAL 25434V815 376223 11816 SH SOLE 0 0 11804 DIMENSIONAL ETF TRUST INTL CORE EQUITY 25434V799 24767496 755336 SH SOLE 0 0 731981 DIMENSIONAL ETF TRUST EMERGING MKTS CO 25434V732 7325570 228424 SH SOLE 0 0 219756 DIMENSIONAL ETF TRUST US MKTWIDE VALUE 25434V724 5718816 127966 SH SOLE 0 0 127966 ELI LILLY & CO COM 532457108 228137 299 SH SOLE 0 0 299 INVESCO QQQ TR UNIT SER 1 46090E103 323599 539 SH SOLE 0 0 539 ISHARES INC CORE MSCI EMKT 46434G103 5653787 85767 SH SOLE 0 0 85767 ISHARES TR CORE 1 5 YR USD 46432F859 4483576 91801 SH SOLE 0 0 91801 ISHARES TR MSCI USA QLT FCT 46432F339 14227150 73147 SH SOLE 0 0 73147 ISHARES TR 0-5 YR TIPS ETF 46429B747 7894120 76375 SH SOLE 0 0 76375 ISHARES TR SHRT NAT MUN ETF 464288158 7021105 65753 SH SOLE 0 0 65753 ISHARES TR NATIONAL MUN ETF 464288414 36085658 338864 SH SOLE 0 0 338864 ISHARES TR ISHS 5-10YR INVT 464288638 216763 4007 SH SOLE 0 0 4007 ISHARES TR ISHS 1-5YR INVS 464288646 25472877 480348 SH SOLE 0 0 480348 ISHARES TR MBS ETF 464288588 51281852 538957 SH SOLE 0 0 537399 ISHARES TR MSCI EAFE ETF 464287465 311677 3338 SH SOLE 0 0 3338 ISHARES TR RUS MID CAP ETF 464287499 392514 4065 SH SOLE 0 0 4065 ISHARES TR CORE S&P MCP ETF 464287507 97141563 1488531 SH SOLE 0 0 1483902 ISHARES TR S&P MC 400VL ETF 464287705 15587159 120160 SH SOLE 0 0 120160 ISHARES TR CORE S&P SCP ETF 464287804 21379278 179914 SH SOLE 0 0 178859 ISHARES TR SP SMCP600VL ETF 464287879 4845159 43812 SH SOLE 0 0 43812 ISHARES TR S&P 500 VAL ETF 464287408 22690373 109875 SH SOLE 0 0 109875 ISHARES TR CORE S&P500 ETF 464287200 15890227 23742 SH SOLE 0 0 23742 ISHARES TR RUS 1000 VAL ETF 464287598 855078 4200 SH SOLE 0 0 4200 ISHARES TR RUSSELL 2000 ETF 464287655 882463 3647 SH SOLE 0 0 3647 ISHARES TR RUS 2000 VAL ETF 464287630 432831 2448 SH SOLE 0 0 2448 ISHARES TR RUSSELL 3000 ETF 464287689 4799654 12666 SH SOLE 0 0 12666 ISHARES TR CORE S&P US VLU 464287663 11321354 113270 SH SOLE 0 0 113270 ISHARES TR CORE US AGGBD ET 464287226 21141207 210884 SH SOLE 0 0 210839 ISHARES TR TIPS BD ETF 464287176 14894020 133914 SH SOLE 0 0 133908 ISHARES TR MORNINGSTR US EQ 464287127 305555 3306 SH SOLE 0 0 3306 JPMORGAN CHASE & CO. COM 46625H100 483870 1534 SH SOLE 0 0 1534 MASTERCARD INCORPORATED CL A 57636Q104 225818 397 SH SOLE 0 0 397 META PLATFORMS INC CL A 30303M102 602192 820 SH SOLE 0 0 820 MICROSOFT CORP COM 594918104 1616004 3120 SH SOLE 0 0 3120 NVIDIA CORPORATION COM 67066G104 1982226 10624 SH SOLE 0 0 10624 ORACLE CORP COM 68389X105 240460 855 SH SOLE 0 0 855 PIMCO ETF TR 1-5 US TIP IDX 72201R205 4638404 85614 SH SOLE 0 0 85614 SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 347757 14938 SH SOLE 0 0 14938 SCHWAB STRATEGIC TR US LRG CAP ETF 808524201 19390464 736160 SH SOLE 0 0 736159 SCHWAB STRATEGIC TR US MID-CAP ETF 808524508 20006460 674981 SH SOLE 0 0 674978 SCHWAB STRATEGIC TR FUNDAMENTAL INTL 808524755 1450049 33753 SH SOLE 0 0 33753 SCHWAB STRATEGIC TR US TIPS ETF 808524870 53636333 1990216 SH SOLE 0 0 1975674 SCHWAB STRATEGIC TR US SML CAP ETF 808524607 11518438 412847 SH SOLE 0 0 412846 SCHWAB STRATEGIC TR US LCAP GR ETF 808524300 650550 20387 SH SOLE 0 0 20387 SCHWAB STRATEGIC TR US LCAP VA ETF 808524409 240878 8275 SH SOLE 0 0 8275 SPDR INDEX SHS FDS MSCI EMRG MKTS 78463X426 332437 5015 SH SOLE 0 0 5015 SPDR S&P 500 ETF TR TR UNIT 78462F103 46442605 69715 SH SOLE 0 0 69715 SPDR S&P MIDCAP 400 ETF TR UTSER1 S&PDCRP 78467Y107 11236571 18852 SH SOLE 0 0 18852 SPDR SERIES TRUST S&P 600 SMCP VAL 78464A300 12799224 144379 SH SOLE 0 0 144379 SPDR SERIES TRUST PRTFLO S&P500 VL 78464A508 125401505 2266428 SH SOLE 0 0 2258675 SPDR SERIES TRUST S&P 400 MDCP VAL 78464A839 60571423 726188 SH SOLE 0 0 723355 SPDR SERIES TRUST PORTFOLIO S&P400 78464A847 529808 9264 SH SOLE 0 0 9264 SPDR SERIES TRUST RUSSELL YIELD 78468R770 259700 2295 SH SOLE 0 0 2295 VANGUARD ADMIRAL FDS INC MIDCP 400 VAL 921932844 11864117 117735 SH SOLE 0 0 117735 VANGUARD ADMIRAL FDS INC 500 VAL IDX FD 921932703 14915766 74777 SH SOLE 0 0 74777 VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835 94054320 1264680 SH SOLE 0 0 1260550 VANGUARD BD INDEX FDS SHORT TRM BOND 921937827 20083516 254512 SH SOLE 0 0 254512 VANGUARD INDEX FDS LARGE CAP ETF 922908637 1115932 3625 SH SOLE 0 0 3625 VANGUARD INDEX FDS MCAP VL IDXVIP 922908512 15610741 89418 SH SOLE 0 0 89418 VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 151209336 246920 SH SOLE 0 0 246189 VANGUARD INDEX FDS TOTAL STK MKT 922908769 1160229 3535 SH SOLE 0 0 3535 VANGUARD INDEX FDS VALUE ETF 922908744 15383886 82491 SH SOLE 0 0 82433 VANGUARD INDEX FDS MID CAP ETF 922908629 1178793 4013 SH SOLE 0 0 4013 VANGUARD INDEX FDS SM CP VAL ETF 922908611 5112661 24496 SH SOLE 0 0 24496 VANGUARD INDEX FDS REAL ESTATE ETF 922908553 1540249 16848 SH SOLE 0 0 16848 VANGUARD INDEX FDS SMALL CP ETF 922908751 646186 2541 SH SOLE 0 0 2541 VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 4268368 78781 SH SOLE 0 0 78781 VANGUARD INTL EQUITY INDEX F TT WRLD ST ETF 922042742 424669 3082 SH SOLE 0 0 3082 VANGUARD MALVERN FDS STRM INFPROIDX 922020805 4331339 85549 SH SOLE 0 0 85549 VANGUARD MUN BD FDS TAX EXEMPT BD 922907746 66879732 1335724 SH SOLE 0 0 1335557 VANGUARD SCOTTSDALE FDS INT-TERM CORP 92206C870 346176 4116 SH SOLE 0 0 4116 VANGUARD SCOTTSDALE FDS MTG-BKD SECS ETF 92206C771 1962389 41788 SH SOLE 0 0 40489 VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409 59604013 745702 SH SOLE 0 0 741828 VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844 811377 3760 SH SOLE 0 0 3760 VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858 1845405 30798 SH SOLE 0 0 30798 VISA INC COM CL A 92826C839 256035 750 SH SOLE 0 0 750 WALMART INC COM 931142103 252085 2446 SH SOLE 0 0 2446 WISDOMTREE TR US LARGECAP DIVD 97717W307 648899 7456 SH SOLE 0 0 7456