ANDREWS, LUCIA WEALTH MANAGEMENT LLC

Quarterly 13F snapshot: US-listed longs only, no performance figures — 13F data cannot support them.

Portfolio value: $182M
Positions: 34
Quarter ended: September 30, 2026
Filed: November 02, 2026

Reported portfolio value by quarter (20 quarters reported)

$191M $94.9M

Q4 21 Q4 22 Q4 23 Q4 24 Q4 25 Q3 26

$110M in Q4 2021 → $182M now. Hover for any quarter.

Holdings

As reported for the quarter ended September 30, 2026. Activity is the change in share count since the prior quarter's filing.

Holding	% of portfolio	Activity	Shares	Value
DE Dimensional ETF Trust	37.1%	Trimmed 8.0%	1,516,989	$67.4M
DE Dimensional ETF Trust	8.1%	Trimmed 1.1%	266,751	$14.7M
DE Dimensional ETF Trust	7.3%	Trimmed 2.9%	199,829	$13.3M
DE Dimensional ETF Trust	7.1%	Trimmed 0.8%	346,739	$12.8M
DE Dimensional ETF Trust	6.1%	Trimmed 3.7%	199,170	$11.1M
DE Dimensional ETF Trust	5.8%	Added 6.6%	256,277	$10.6M
DE Dimensional ETF Trust	4.4%	Added 2.4%	102,860	$7.96M
AC American Centy ETF Tr	3.5%	Added 19%	50,045	$6.41M
DE Dimensional ETF Trust	3.4%	Added 0.3%	118,108	$6.18M
DE Dimensional ETF Trust	3.2%	Added 2.3%	69,402	$5.76M
DE Dimensional ETF Trust	3.1%	Trimmed 1.1%	141,473	$5.56M
DE Dimensional ETF Trust	1.7%	Added 1.6%	72,859	$3.15M
IT Ishares Tr	0.9%	Unchanged	3,991	$1.66M
IT Ishares Tr	0.8%	Added 23%	14,574	$1.47M
DE Dimensional ETF Trust	0.8%	Added 195%	31,831	$1.47M
DE Dimensional ETF Trust	0.7%	Added 5.2%	30,377	$1.22M
DE Dimensional ETF Trust	0.6%	Added 33%	30,602	$1.11M
IT Ishares Tr	0.5%	Unchanged	3,595	$999K
DE Dimensional ETF Trust	0.5%	Added 7.5%	27,636	$931K
SS State Str SPDR S&P Midcap 40	0.5%	Unchanged	1,383	$909K
VB Vanguard Bd Index Fds	0.5%	Added 16%	11,558	$883K
DE Dimensional ETF Trust	0.4%	Added 149%	16,400	$762K
DE Dimensional ETF Trust	0.4%	Added 8.5%	19,144	$760K
AC American Centy ETF Tr	0.4%	Added 0.3%	8,161	$735K
AC American Centy ETF Tr	0.3%	Trimmed 5.0%	5,915	$535K
AC American Centy ETF Tr	0.3%	New	5,340	$502K
AC American Centy ETF Tr	0.3%	Added 13%	4,149	$489K
VB Vanguard Bd Index Fds	0.3%	Added 82%	6,431	$469K
AC American Centy ETF Tr	0.2%	Added 0.8%	9,328	$414K
IT Ishares Tr	0.2%	Unchanged	2,846	$356K
DE Dimensional ETF Trust	0.2%	Added 35%	3,818	$314K
SS State Str SPDR S&P 500 ETF T	0.1%	Unchanged	327	$250K
IT Ishares Tr	0.1%	Unchanged	3,227	$232K
IT Ishares Tr	0.1%	Unchanged	4,194	$227K

Timeline of changes

What changed each quarter, from the filings' own share counts. Largest moves first; most recent 8 quarters.

Q3 2026

quarter ended September 30, 2026 · filed November 02, 2026

Company	Action	Shares changed	Value of change	% of portfolio
DE Dimensional ETF Trust	Trimmed	−132,239	−$5.88M	37.1%
DE Dimensional ETF Trust	Exited	−107,609	−$2.82M	—
DE Dimensional ETF Trust	Exited	−48,716	−$2.03M	—
AC American Centy ETF Tr	Added	+8,158	+$1.04M	3.5%
DE Dimensional ETF Trust	Added	+21,052	+$969K	0.8%
DE Dimensional ETF Trust	Exited	−20,427	−$792K	—
DE Dimensional ETF Trust	Added	+15,917	+$659K	5.8%
SS Schwab Strategic Tr	Exited	−18,704	−$593K	—
AC American Centy ETF Tr	New	+5,340	+$502K	0.3%
DE Dimensional ETF Trust	Added	+9,820	+$456K	0.4%

Showing the 10 largest of 33 changes.

Q2 2026

quarter ended June 30, 2026 · filed July 20, 2026

Company	Action	Shares changed	Value of change	% of portfolio
DE Dimensional ETF Trust	Trimmed	−49,710	−$2.21M	38.3%
AC American Centy ETF Tr	Added	+10,930	+$1.4M	2.8%
IT Ishares Tr	Added	+9,064	+$912K	0.6%
DE Dimensional ETF Trust	New	+10,779	+$521K	0.3%
DE Dimensional ETF Trust	Added	+9,277	+$510K	7.8%
DE Dimensional ETF Trust	Added	+11,331	+$467K	5.2%
DE Dimensional ETF Trust	Added	+5,465	+$448K	2.9%
DE Dimensional ETF Trust	Added	+15,099	+$395K	1.5%
DE Dimensional ETF Trust	New	+6,580	+$314K	0.2%
AC American Centy ETF Tr	Added	+3,136	+$280K	0.4%

Showing the 10 largest of 33 changes.

Q1 2026

quarter ended March 31, 2026 · filed April 15, 2026

Company	Action	Shares changed	Value of change	% of portfolio
DE Dimensional ETF Trust	Trimmed	−149,927	−$5.83M	39.5%
AC American Centy ETF Tr	Added	+18,913	+$2.1M	2.1%
DE Dimensional ETF Trust	Trimmed	−17,079	−$1.07M	7.7%
DE Dimensional ETF Trust	Added	+14,881	+$1.06M	2.6%
DE Dimensional ETF Trust	Added	+10,319	+$734K	4.3%
AC American Centy ETF Tr	New	+5,004	+$425K	0.3%
AC American Centy ETF Tr	New	+9,326	+$411K	0.2%
DE Dimensional ETF Trust	Trimmed	−10,897	−$370K	7.0%
DE Dimensional ETF Trust	Added	+8,736	+$340K	5.3%
DE Dimensional ETF Trust	Added	+11,317	+$268K	1.3%

Showing the 10 largest of 32 changes.

Q4 2025

quarter ended December 31, 2025 · filed January 26, 2026

Company	Action	Shares changed	Value of change	% of portfolio
DE Dimensional ETF Trust	Trimmed	−44,195	−$2.06M	7.2%
DE Dimensional ETF Trust	Trimmed	−20,315	−$1.21M	7.9%
AC American Centy ETF Tr	Added	+4,597	+$514K	0.8%
DE Dimensional ETF Trust	Trimmed	−6,452	−$255K	43.5%
DE Dimensional ETF Trust	New	+2,724	+$202K	0.1%
IT Ishares Tr	Trimmed	−532	−$199K	0.9%
DE Dimensional ETF Trust	Trimmed	−3,289	−$164K	6.2%
VB Vanguard Bd Index Fds	Trimmed	−1,678	−$132K	0.5%
DE Dimensional ETF Trust	Added	+3,052	+$130K	0.6%
DE Dimensional ETF Trust	Added	+3,026	+$115K	5.0%

Showing the 10 largest of 28 changes.

Q3 2025

quarter ended September 30, 2025 · filed October 08, 2025

Company	Action	Shares changed	Value of change	% of portfolio
AC American Centy ETF Tr	New	+7,447	+$810K	0.5%
DE Dimensional ETF Trust	Trimmed	−10,036	−$584K	8.5%
AC American Centy ETF Tr	New	+5,043	+$364K	0.2%
IT Ishares Tr	New	+3,100	+$312K	0.2%
DE Dimensional ETF Trust	Trimmed	−6,798	−$304K	8.2%
DE Dimensional ETF Trust	Added	+8,104	+$295K	4.8%
AC American Centy ETF Tr	New	+2,795	+$278K	0.2%
DE Dimensional ETF Trust	Added	+8,799	+$210K	1.1%
DE Dimensional ETF Trust	Trimmed	−5,393	−$208K	43.1%
DE Dimensional ETF Trust	Trimmed	−3,127	−$98.1K	6.8%

Showing the 10 largest of 28 changes.

Q2 2025

quarter ended June 30, 2025 · filed July 11, 2025

Company	Action	Shares changed	Value of change	% of portfolio
DE Dimensional ETF Trust	Trimmed	−61,430	−$2.6M	8.5%
DE Dimensional ETF Trust	Trimmed	−43,110	−$1.55M	43.3%
DE Dimensional ETF Trust	New	+17,881	+$526K	0.3%
DE Dimensional ETF Trust	Trimmed	−8,960	−$483K	8.9%
DE Dimensional ETF Trust	New	+6,647	+$444K	0.3%
IT Ishares Tr	Trimmed	−1,055	−$358K	1.0%
DE Dimensional ETF Trust	Added	+9,404	+$325K	4.7%
DE Dimensional ETF Trust	Added	+6,297	+$207K	1.7%
VI Vanguard Index Fds	Exited	−379	−$204K	—
DE Dimensional ETF Trust	Added	+4,722	+$141K	0.4%

Showing the 10 largest of 25 changes.

Q1 2025

quarter ended March 31, 2025 · filed April 21, 2025

Company	Action	Shares changed	Value of change	% of portfolio
DE Dimensional ETF Trust	Added	+13,001	+$380K	3.9%
DE Dimensional ETF Trust	Trimmed	−14,727	−$366K	6.1%
SS Schwab Strategic Tr	Added	+11,957	+$327K	0.3%
DE Dimensional ETF Trust	Added	+10,548	+$268K	2.5%
VI Vanguard Index Fds	New	+379	+$204K	0.1%
DE Dimensional ETF Trust	Added	+3,285	+$183K	9.8%
DE Dimensional ETF Trust	Added	+4,432	+$157K	5.1%
DE Dimensional ETF Trust	Added	+3,595	+$148K	0.4%
DE Dimensional ETF Trust	Added	+1,933	+$126K	4.0%
DE Dimensional ETF Trust	Added	+5,348	+$124K	1.0%

Showing the 10 largest of 21 changes.

Q4 2024

quarter ended December 31, 2024 · filed January 15, 2025

Company	Action	Shares changed	Value of change	% of portfolio
DE Dimensional ETF Trust	Trimmed	−13,174	−$452K	43.7%
SS Schwab Strategic Tr	Exited	−5,390	−$246K	—
SS Schwab Strategic Tr	Exited	−5,000	−$244K	—
IT Ishares Tr	New	+3,227	+$201K	0.1%
DE Dimensional ETF Trust	Added	+4,639	+$147K	4.0%
DE Dimensional ETF Trust	Added	+3,239	+$140K	0.3%
DE Dimensional ETF Trust	Trimmed	−3,133	−$131K	10.3%
DE Dimensional ETF Trust	Added	+3,469	+$88.9K	1.1%
DE Dimensional ETF Trust	Trimmed	−1,701	−$67.5K	3.2%
DE Dimensional ETF Trust	Trimmed	−1,365	−$46.5K	0.9%

Showing the 10 largest of 25 changes.

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