Schaeffer Financial LLC — 13F Holdings & Portfolio
CIK 1898838 · latest 13F-HR filed 2026-10-23
Schaeffer Financial LLC manages $131.0M in 13F-reported U.S. long-equity assets across 30 reported positions as of its 2026-09-30 13F-HR filing. Its largest disclosed positions are IGSB (26.91%), SCHB (20.26%), SPGM (13.92%). Quarter over quarter (versus its 2026-06-30 filing) the fund opened 4 new positions and exited 1; 6 existing positions rose in reported value and 5 fell.
AUM is the long-equity portion reported on Form 13F-HR. Excludes short positions, cash, foreign holdings, and non-13F assets. For informational purposes only — not investment advice.
Long-equity book
Distinct positions
Filed 2026-10-23
vs 2026-06-30
Portfolio charts
Latest quarter's book, what changed, and how the portfolio has evolved across filings.
Portfolio map
Q3 26Box size = position value; colour = change in share count vs the prior quarter (green added, red trimmed, blue new). Rows split across managers or share classes are combined. Click a box for the stock.
Sector mix
% of 13F valueSectors from each company's SIC code; funds and ETFs grouped separately.
Biggest buys and sells
Q2 26 → Q3 26Estimated from the change in shares held × the quarter-end price, so price moves alone don't count as buying. New and exited positions are included.
13F assets and positions
4 quartersTotal reported 13F value (bars) and number of positions (line) each quarter. Value changes include market moves.
Top positions over time
reported valueThe eight largest current positions, valued at each quarter end.
Concentration
top 10 = 93.9%Cumulative share of the portfolio held in the largest N positions.
As of the firm’s regulatory filing dated Jul 14, 2026.
| Name | Title / Status | Ownership | Type |
|---|---|---|---|
| SCHAEFFER, KAREN, PATRICIA Control | MANAGING MEMBER since Dec 2004 | 50–75% | Individual |
| YARDLEY, KAITLIN Control | MANAGING MEMBER & CHIEF COMPLIANCE OFFICER since May 2019 | 25–50% | Individual |
Ownership & leadership changes · 5 filings with changes since Mar 19, 2012
From the firm’s regulatory filings, newest first. Dates are filing dates: a filing that no longer lists someone does not say when they left.
- ChangedYARDLEY, KAITLIN · title CHIEF COMPLIANCE OFFICER → MANAGING MEMBER & CHIEF COMPLIANCE OFFICER
- ChangedSCHAEFFER, KAREN, PATRICIA · ownership 75% or more → 50–75%
- ChangedYARDLEY, KAITLIN · ownership Less than 5% → 25–50%
- No longer listedBYRD, CAROLE, A · CHIEF COMPLIANCE OFFICER (CCO) · Less than 5% · control person · listed since Sep 2005
- AddedYARDLEY, KAITLIN · CHIEF COMPLIANCE OFFICER · Less than 5% · control person
- No longer listedLUND, JARED, MIKEL · CHIEF OPERATING OFFICER · Less than 5% · control person · listed since Dec 2013
- AddedLUND, JARED, MIKEL · CHIEF OPERATING OFFICER · Less than 5% · control person
- ListedBYRD, CAROLE, A · CHIEF COMPLIANCE OFFICER (CCO) · Less than 5% · control person
- ListedSCHAEFFER, KAREN, PATRICIA · MANAGING MEMBER · 75% or more · control person
Quarter-over-quarter changes
Changes in reported position value vs the prior 13F, so price moves count too, not just shares bought or sold.
Top Adds (vs prior quarter)
- SCHWAB STRATEGIC TR$1.1M +7.5%
- SCHWAB STRATEGIC TR$837.6K +5.5%
- VANGUARD INDEX FDS$492.1K +67.2%
- MICROSOFT CORP$327.9K +37.5%
- VANGUARD SCOTTSDALE FDS$59.2K +25.2%
Top Trims
- INVESCO EXCH TRADED FD TR II-$1.7M -64.5%
- SPDR INDEX SHS FDS-$1.2M -6.2%
- CATERPILLAR INC-$115.9K -23.8%
- HOME DEPOT INC-$50.2K -19.3%
- SCHWAB STRATEGIC TR-$45.5K -15.7%
New Positions
- EXXONMOBIL HOLDINGS CORP$1.0M
- SCHWAB STRATEGIC TR$539.4K
- VANGUARD STAR FDS$318.9K
- VANGUARD INTL EQUITY INDEX F$213.4K
Schaeffer Financial LLC Holdings (2026-09-30)
Rows tagged Call or Put are options positions, not stock. Per SEC Form 13F-HR, Value shows the notional value of the underlying (shares covered × underlying price), not the option premium. Shares is the number of underlying shares covered (divide by 100 for contract count).
| # | Issuer | Symbol | CUSIP | Value | Weight | Shares | Type |
|---|---|---|---|---|---|---|---|
| 1 | ISHARES TR | IGSB | 464288646 | $35.3M | 26.91% | 688,312 | SH |
| 2 | SCHWAB STRATEGIC TR | SCHB | 808524102 | $26.5M | 20.26% | 905,716 | SH |
| 3 | SPDR INDEX SHS FDS | SPGM | 78463X475 | $18.2M | 13.92% | 210,781 | SH |
| 4 | SCHWAB STRATEGIC TR | SCHD | 808524797 | $16.1M | 12.31% | 495,667 | SH |
| 5 | SCHWAB STRATEGIC TR | SCHG | 808524300 | $16.0M | 12.22% | 445,670 | SH |
| 6 | SCHWAB STRATEGIC TR | SCHM | 808524508 | $5.1M | 3.93% | 151,344 | SH |
| 7 | SCHWAB STRATEGIC TR | SCHV | 808524409 | $2.2M | 1.69% | 66,488 | SH |
| 8 | VANGUARD INDEX FDS | VOO | 922908363 | $1.2M | 0.93% | 1,746 | SH |
| 9 | MICROSOFT CORP | MSFT | 594918104 | $1.2M | 0.92% | 2,344 | SH |
| 10 | EXXONMOBIL HOLDINGS CORP | XOM | 30233Q108 | $1.0M | 0.79% | 6,383 | SH |
| 11 | INVESCO EXCH TRADED FD TR II | SPLV | 46138E354 | $950.9K | 0.73% | 13,486 | SH |
| 12 | STATE STR SPDR S&P 500 ETF T | SPY | 78462F103 | $900.2K | 0.69% | 1,180 | SH |
| 13 | VANGUARD SPECIALIZED FUNDS | VIG | 921908844 | $762.2K | 0.58% | 3,267 | SH |
| 14 | SCHWAB STRATEGIC TR | SCHO | 808524862 | $539.4K | 0.41% | 22,607 | SH |
| 15 | COSTCO WHOLESALE CORPORATION | COST | 22160K105 | $448.8K | 0.34% | 493 | SH |
| 16 | ISHARES TR | OEF | 464287101 | $411.9K | 0.31% | 1,078 | SH |
| 17 | APPLE INC | AAPL | 037833100 | $393.8K | 0.30% | 1,183 | SH |
| 18 | CATERPILLAR INC | CAT | 149123101 | $371.7K | 0.28% | 458 | SH |
| 19 | SCHWAB STRATEGIC TR | SCHE | 808524706 | $362.9K | 0.28% | 9,956 | SH |
| 20 | VANGUARD WORLD FD | ESGV | 921910733 | $338.6K | 0.26% | 2,498 | SH |
| 21 | VANGUARD STAR FDS | VXUS | 921909768 | $318.9K | 0.24% | 3,753 | SH |
| 22 | VANGUARD SCOTTSDALE FDS | VCSH | 92206C409 | $294.1K | 0.22% | 3,807 | SH |
| 23 | VANGUARD INDEX FDS | VV | 922908637 | $286.4K | 0.22% | 814 | SH |
| 24 | JPMORGAN CHASE & CO | JPM | 46625H100 | $264.0K | 0.20% | 798 | SH |
| 25 | ISHARES TR | IWB | 464287622 | $261.7K | 0.20% | 629 | SH |
| 26 | SCHWAB STRATEGIC TR | SCHI | 808524698 | $244.0K | 0.19% | 11,381 | SH |
| 27 | VANGUARD WORLD FD | MGC | 921910873 | $229.5K | 0.18% | 813 | SH |
| 28 | VANGUARD INTL EQUITY INDEX F | VGK | 922042874 | $213.4K | 0.16% | 2,459 | SH |
| 29 | HOME DEPOT INC | HD | 437076102 | $209.4K | 0.16% | 736 | SH |
| 30 | ALPHABET INC | GOOGL | 02079K305 | $206.4K | 0.16% | 600 | SH |
| Period | Filed | AUM | Holdings | Accession |
|---|---|---|---|---|
| 2026-09-30 | 2026-10-23 | $131.0M | 30 | 0001705819-26-000078 |
| 2026-06-30 | 2026-08-03 | $129.3M | 27 | 0001705819-26-000049 |
| 2026-03-31 | 2026-04-27 | $118.8M | 25 | 0001705819-26-000031 |
| 2025-12-31 | 2026-01-30 | $114.6M | 21 | 0001705819-26-000018 |
ROCKVILLE, MD 20853