Ballast Financial Advisors LLC

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

Portfolio value: $106M
Positions: 71
Quarter ended: September 30, 2026
Filed: October 26, 2026

Reported portfolio value by quarter (4 quarters reported)

$110M $97.1M

Q4 25 Q1 26 Q2 26 Q3 26

$97.1M in Q4 2025 → $106M 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
SS Schwab Strategic Tr	11.5%	Trimmed 4.4%	408,184	$12.2M
IT Ishares Tr	10.9%	Trimmed 1.4%	244,700	$11.6M
SS Schwab Strategic Tr	10.1%	Trimmed 7.4%	484,699	$10.7M
SS Schwab Strategic Tr	5.6%	Trimmed 4.3%	110,836	$5.96M
JP J P Morgan Exchange Traded F	4.3%	Trimmed 0.7%	62,450	$4.61M
AC American Centy ETF Tr	4.2%	Trimmed 4.0%	49,201	$4.45M
AC American Centy ETF Tr	4.1%	Trimmed 4.6%	37,293	$4.39M
SS Schwab Strategic Tr	3.4%	Trimmed 4.7%	131,485	$3.61M
VS Vanguard Specialized Funds	2.5%	Added 5.7%	11,203	$2.61M
VI Vanguard Index Fds	2.4%	Trimmed 0.2%	28,378	$2.56M
VI Vanguard Index Fds	2.4%	Trimmed 3.3%	7,518	$2.54M
SS Schwab Strategic Tr	2.2%	Trimmed 5.5%	64,447	$2.32M
DE Dimensional ETF Trust	1.8%	Trimmed 2.9%	48,494	$1.93M
DE Dimensional ETF Trust	1.7%	Trimmed 1.6%	51,007	$1.85M
FM Fidelity Merrimack Str Tr	1.6%	Added 11%	39,120	$1.69M
VB Vanguard Bd Index Fds	1.4%	Added 0.4%	20,955	$1.47M
SS Schwab Strategic Tr	1.4%	Trimmed 9.0%	43,454	$1.45M
SS Schwab Strategic Tr	1.3%	Trimmed 1.2%	43,739	$1.38M
VI Vanguard Index Fds	1.1%	Added 4.0%	5,625	$1.22M
VI Vanguard Instl Index Fd	1.1%	Added 17%	15,240	$1.15M
DI Dfa Invt Dimensions Group In	1.1%	New	46,698	$1.13M
DE Dimensional ETF Trust	1.0%	Trimmed 3.4%	25,513	$1.1M
VS Vanguard Scottsdale Fds	1.0%	Added 0.6%	13,862	$1.09M
VI Vanguard Index Fds	1.0%	Added 6.3%	3,571	$1.02M
VI Vanguard Index Fds	0.9%	Trimmed 6.4%	4,324	$999K
VS Vanguard Scottsdale Fds	0.9%	Trimmed 3.1%	12,668	$979K
IQ Invesco Qqq Tr	0.8%	Added 12%	1,210	$895K
GB Grayscale Bitcoin Trust ETF	0.8%	Trimmed 26%	13,176	$851K
FC Fidelity Covington Trust	0.8%	Added 6.4%	10,336	$835K
IT Ishares Tr	0.8%	Trimmed 5.4%	1,428	$812K
IT Ishares Tr	0.8%	Added 3.4%	8,540	$811K
SS Schwab Strategic Tr	0.8%	Trimmed 13%	16,156	$805K
VI Vanguard Index Fds	0.7%	Trimmed 12%	1,134	$795K
VB Vanguard Bd Index Fds	0.7%	Added 4.7%	9,721	$743K
VI Vanguard Index Fds	0.7%	Added 5.0%	2,060	$725K
JP J P Morgan Exchange Traded F	0.6%	Trimmed 5.6%	15,066	$675K
SS State Str SPDR S&P 500 ETF T	0.6%	Added 0.9%	884	$674K
IT Ishares Tr	0.6%	Added 10%	6,306	$673K
VW Vanguard Whitehall Fds	0.6%	Trimmed 1.7%	6,577	$621K
VI Vanguard Intl Equity Index F	0.6%	Added 0.6%	3,711	$586K
IT Ishares Tr	0.5%	Added 6.7%	7,155	$539K
Alphabet Inc	0.5%	Trimmed 18%	1,478	$509K
Apple Inc	0.4%	Trimmed 2.7%	1,424	$474K
DE Dimensional ETF Trust	0.4%	Trimmed 21%	10,817	$448K
JP J P Morgan Exchange Traded F	0.4%	Added 17%	8,635	$435K
SS Schwab Strategic Tr	0.3%	Trimmed 13%	6,972	$347K
Jpmorgan Chase & Co	0.3%	Added 9.7%	1,044	$345K
VI Vanguard Index Fds	0.3%	Added 11%	4,357	$342K
EL Eli Lilly & Co	0.3%	Trimmed 2.7%	292	$338K
VW Vanguard Whitehall Fds	0.3%	Added 0.1%	2,172	$337K
DE Dimensional ETF Trust	0.3%	Unchanged	3,924	$326K
VS Vanguard Star Fds	0.3%	Added 18%	3,731	$317K
VI Vanguard Intl Equity Index F	0.3%	Trimmed 6.6%	5,057	$300K
Microsoft Corp	0.3%	Trimmed 16%	583	$299K
SA Ssga Active ETF Tr	0.3%	Trimmed 25%	7,894	$295K
IT Ishares Tr	0.3%	Added 11%	3,266	$279K
SS Schwab Strategic Tr	0.3%	Trimmed 8.4%	6,552	$274K
SS Select Sector SPDR Tr	0.3%	Added 7.9%	6,889	$272K
TC Tjx Cos Inc New	0.3%	Added 0.4%	2,049	$271K
SI SPDR Index Shs Fds	0.3%	Trimmed 0.6%	5,353	$269K

Showing top 60 of 71 positions.

Timeline of changes

What changed each quarter, from the filings' own share counts. Largest moves first; most recent 3 quarters.

Q3 2026

quarter ended September 30, 2026 · filed October 26, 2026

Company	Action	Shares changed	Value of change	% of portfolio
DE Dimensional ETF Trust	Exited	−47,965	−$1.25M	—
DI Dfa Invt Dimensions Group In	New	+46,698	+$1.13M	1.1%
SS Schwab Strategic Tr	Trimmed	−38,840	−$858K	10.1%
SS Schwab Strategic Tr	Trimmed	−18,957	−$569K	11.5%
GB Grayscale Bitcoin Trust ETF	Trimmed	−4,585	−$296K	0.8%
SS Schwab Strategic Tr	Trimmed	−4,965	−$267K	5.6%
SS Schwab Strategic Tr	New	+10,714	+$256K	0.2%
DE Dimensional ETF Trust	Trimmed	−5,080	−$226K	0.2%
Newmont Corp	Exited	−2,412	−$225K	—
AC American Centy ETF Tr	Trimmed	−1,817	−$214K	4.1%

Showing the 10 largest of 74 changes.

Q2 2026

quarter ended June 30, 2026 · filed August 13, 2026

Company	Action	Shares changed	Value of change	% of portfolio
VI Vanguard Index Fds	Added	+23,757	+$2.05M	2.2%
SS Schwab Strategic Tr	Added	+56,854	+$1.32M	11.0%
IT Ishares Tr	Added	+23,425	+$1.13M	10.8%
VI Vanguard Instl Index Fd	Added	+8,168	+$618K	0.9%
JP J P Morgan Exchange Traded F	Added	+4,146	+$300K	4.1%
SS Schwab Strategic Tr	Trimmed	−5,366	−$283K	5.5%
SS Select Sector SPDR Tr	New	+1,331	+$254K	0.2%
VI Vanguard Index Fds	Added	+2,936	+$237K	0.3%
AC American Centy ETF Tr	New	+1,794	+$230K	0.2%
SS SPDR Series Trust	New	+1,780	+$212K	0.2%

Showing the 10 largest of 64 changes.

Q1 2026

quarter ended March 31, 2026 · filed May 14, 2026

Company	Action	Shares changed	Value of change	% of portfolio
IT Ishares Tr	Added	+11,477	+$556K	11.2%
VI Vanguard Instl Index Fd	Trimmed	−6,254	−$473K	0.4%
SS Schwab Strategic Tr	Added	+14,885	+$346K	11.1%
Super Micro Computer Inc	Exited	−10,000	−$293K	—
Newmont Corp	New	+2,406	+$260K	0.3%
Nano Nuclear Energy Inc	Exited	−10,000	−$240K	—
GB Grayscale Bitcoin Mini Tr Et	Exited	−5,514	−$214K	—
IT Ishares Tr	New	+2,737	+$209K	0.2%
DE Dimensional ETF Trust	Exited	−4,336	−$203K	—
SS Schwab Strategic Tr	Added	+6,451	+$165K	11.1%

Showing the 10 largest of 65 changes.

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