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FinDec Wealth Services, Inc. — 13F Holdings & Portfolio

CIK 1916066 · latest 13F-HR filed 2026-10-30

Backtest portfolio

FinDec Wealth Services, Inc. manages $83.5M 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 CGCP (16.70%), SCHG (14.41%), DFLV (12.85%). Quarter over quarter (versus its 2026-06-30 filing) the fund opened 1 new position and exited 3; 5 existing positions rose in reported value and 8 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.

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AUM
$83.5M

Long-equity book

Holdings
30

Distinct positions

Period
2026-09-30

Filed 2026-10-30

Q/Q Activity
+1 / −3 / ↑5 / ↓8

vs 2026-06-30

Portfolio charts

Latest quarter's book, what changed, and how the portfolio has evolved across filings.

Portfolio map

Q3 26
CGCP16.7% · -3%SCHG14.4% · +0%DFLV12.8% · -3%DFAU12.7% · -0%DFAI8.6% · +0%DFCF6.3% · +3%VO5.2% · -1%VB4.8% · 0%VTI3.1% · -1%DFAE2.6% · +5%SCHF2.2% · -7%BIV1.5% · +1%SCHE1.2% · -4%VOO1.0% · +23%AAPL0.9% · -2%NVDA0.7% · -4%CGDV0.6% · -3%PEP0.5% · 0%QQQ0.5% · +108%IHI0.5% · -8%DFAT0.4% · -1%SCHX0.4% · 0%TSLA0.4% · 0%DFIV0.4% · -3%CGGR0.3% · 0%CGUS0.3% · -0%CGGO0.3% · -1%DFSD0.3% · -0%MSFT0.3% · newPSA0.2% · 0%

Box 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 value

Sectors from each company's SIC code; funds and ETFs grouped separately.

Biggest buys and sells

Q2 26 → Q3 26

Estimated 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 quarters

Total reported 13F value (bars) and number of positions (line) each quarter. Value changes include market moves.

Top positions over time

reported value

The eight largest current positions, valued at each quarter end.

Concentration

top 10 = 87.2%

Cumulative share of the portfolio held in the largest N positions.

Firm Profile & Key People

As of the firm’s regulatory filing dated Mar 23, 2026.

Assets Under Management
$627.9M
Discretionary
$627.9M
Employees
5
Accounts
822
Address
1776 W. MARCH LANE
SUITE 190
STOCKTON, CA 95207
Phone
(209) 957-7413
Website
Name Title / Status Ownership Type
FINDEC CO. ControlPARENT COMPANY
since Oct 2020
75% or moreDomestic Entity
LEE, MICHAEL, E ControlPRESIDENT & CHIEF EXECUTIVE OFFICER
since Oct 2020
Less than 5%Individual
HEROLD, KENNETH, ROBERTCHIEF COMPLIANCE OFFICER
since Oct 2020
Less than 5%Individual
LEE, MICHAEL, E Control
Indirect owner via FINDEC CO.
PRESIDENT & CHIEF EXECUTIVE OFFICER
since Oct 2020
50–75%Individual
MAHONEY, KEVIN, EUGENE Control
Indirect owner via FINDEC CO.
SHAREHOLDER
since Oct 2020
25–50%Individual
Ownership & leadership changes · 3 filings with changes since Dec 11, 2020

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.

Dec 2, 2024 filing
  • No longer listedTEIGEN, TOLEN, CLEMENT · CHIEF INVESTMENT OFFICER · Less than 5% · listed since Oct 2020
Feb 27, 2024 filing
  • ChangedMAHONEY, KEVIN, EUGENE · indirect via FINDEC CO.: title BUSINESS DEVELOPMENT OFFICER → SHAREHOLDER
Mar 16, 2023 filing
  • No longer listedMAHONEY, KEVIN, EUGENE · BUSINESS DEVELOPMENT OFFICER · Less than 5% · listed since Oct 2020
  • No longer listedMORRIS, RAQUEL, TANICA · CHIEF OPERATIONS OFFICER · Less than 5% · listed since Oct 2020
  • ChangedLEE, MICHAEL, E · now a control person
Dec 11, 2020 filing (earliest on record)
  • ListedFINDEC CO. · PARENT COMPANY · 75% or more · control person
  • ListedHEROLD, KENNETH, ROBERT · CHIEF COMPLIANCE OFFICER · Less than 5%
  • ListedLEE, MICHAEL, E · PRESIDENT & CHIEF EXECUTIVE OFFICER · Less than 5%
  • ListedLEE, MICHAEL, E · PRESIDENT & CHIEF EXECUTIVE OFFICER · 50–75% · indirect via FINDEC CO. · control person
  • ListedMAHONEY, KEVIN, EUGENE · BUSINESS DEVELOPMENT OFFICER · 25–50% · indirect via FINDEC CO. · control person
  • ListedMAHONEY, KEVIN, EUGENE · BUSINESS DEVELOPMENT OFFICER · Less than 5%
  • ListedMORRIS, RAQUEL, TANICA · CHIEF OPERATIONS OFFICER · Less than 5%
  • ListedTEIGEN, TOLEN, CLEMENT · CHIEF INVESTMENT OFFICER · Less than 5%

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)

Show all 5 →

Top Trims

Show all 8 →

New Positions

Show all 1 →

Exited Positions

Show all 3 →

FinDec Wealth Services, Inc. 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 CAPITAL GRP FIXED INCM ETF T CGCP 14020Y102 $14.0M 16.70% 659,000 SH
2 SCHWAB STRATEGIC TR SCHG 808524300 $12.0M 14.41% 334,987 SH
3 DIMENSIONAL ETF TRUST DFLV 25434V666 $10.7M 12.85% 267,259 SH
4 DIMENSIONAL ETF TRUST DFAU 25434V104 $10.6M 12.68% 202,317 SH
5 DIMENSIONAL ETF TRUST DFAI 25434V203 $7.2M 8.62% 173,921 SH
6 DIMENSIONAL ETF TRUST DFCF 25434V872 $5.2M 6.26% 130,290 SH
7 VANGUARD INDEX FDS VO 922908629 $4.3M 5.17% 55,099 SH
8 VANGUARD INDEX FDS VB 922908751 $4.0M 4.84% 14,209 SH
9 VANGUARD INDEX FDS VTI 922908769 $2.6M 3.05% 6,820 SH
10 DIMENSIONAL ETF TRUST DFAE 25434V302 $2.2M 2.62% 55,719 SH
11 SCHWAB STRATEGIC TR SCHF 808524805 $1.8M 2.18% 66,239 SH
12 VANGUARD BD INDEX FDS BIV 921937819 $1.3M 1.51% 17,354 SH
13 SCHWAB STRATEGIC TR SCHE 808524706 $963.0K 1.15% 26,419 SH
14 VANGUARD INDEX FDS VOO 922908363 $837.4K 1.00% 1,195 SH
15 APPLE INC AAPL 037833100 $717.1K 0.86% 2,153 SH
16 NVIDIA CORPORATION NVDA 67066G104 $564.4K 0.68% 2,471 SH
17 CAPITAL GROUP DIVIDEND VALUE CGDV 14020W106 $511.1K 0.61% 10,462 SH
18 PEPSICO INC PEP 713448108 $457.2K 0.55% 3,608 SH
19 INVESCO QQQ TR QQQ 46090E103 $443.2K 0.53% 599 SH
20 ISHARES TR IHI 464288810 $431.0K 0.52% 8,427 SH
21 DIMENSIONAL ETF TRUST DFAT 25434V609 $338.3K 0.40% 5,092 SH
22 SCHWAB STRATEGIC TR SCHX 808524201 $332.1K 0.40% 11,071 SH
23 TESLA INC TSLA 88160R101 $327.8K 0.39% 924 SH
24 DIMENSIONAL ETF TRUST DFIV 25434V807 $293.6K 0.35% 5,256 SH
25 CAPITAL GROUP GROWTH ETF CGGR 14020G101 $267.7K 0.32% 5,645 SH
26 CAPITAL GROUP CORE EQUITY ET CGUS 14020V108 $239.5K 0.29% 5,383 SH
27 CAPITAL GROUP GBL GROWTH EQT CGGO 14020X104 $237.1K 0.28% 5,961 SH
28 DIMENSIONAL ETF TRUST DFSD 25434V864 $223.8K 0.27% 4,815 SH
29 MICROSOFT CORP MSFT 594918104 $220.4K 0.26% 430 SH
30 PUBLIC STORAGE PSA 74460D109 $206.2K 0.25% 729 SH
Filing History
Period Filed AUM Holdings Accession
2026-09-30 2026-10-30 $83.5M 30 0001172661-26-004772
2026-06-30 2026-08-06 $84.6M 32 0001172661-26-003109
2026-03-31 2026-05-05 $81.8M 30 0001172661-26-001601
2025-12-31 2026-02-09 $93.2M 32 0001172661-26-000532
Filer Information
Address
1776 W. MARCH LANE
SUITE 190
STOCKTON, CA 95207
Phone
(209) 957-7413
Filing Manager
FinDec Wealth Services, Inc.
Stockton, CA
Signatory
Kenneth R. Herold
Chief Compliance Officer