FinDec Wealth Services, Inc.

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

Reported portfolio value by quarter (16 quarters reported)

$172M $81.8M

Q4 22 Q4 23 Q4 24 Q4 25 Q3 26

$121M in Q4 2022 → $83.5M 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
CG Capital Grp Fixed Incm ETF T	16.7%	Trimmed 2.6%	659,000	$14M
SS Schwab Strategic Tr	14.4%	Added 0.1%	334,987	$12M
DE Dimensional ETF Trust	12.8%	Trimmed 3.4%	267,259	$10.7M
DE Dimensional ETF Trust	12.7%	Trimmed 0.0%	202,317	$10.6M
DE Dimensional ETF Trust	8.6%	Added 0.2%	173,921	$7.21M
DE Dimensional ETF Trust	6.3%	Added 3.1%	130,290	$5.23M
VI Vanguard Index Fds	5.2%	Trimmed 0.8%	55,099	$4.32M
VI Vanguard Index Fds	4.8%	Added 0.0%	14,209	$4.04M
VI Vanguard Index Fds	3.1%	Trimmed 1.2%	6,820	$2.55M
DE Dimensional ETF Trust	2.6%	Added 5.1%	55,719	$2.19M
SS Schwab Strategic Tr	2.2%	Trimmed 7.0%	66,239	$1.82M
VB Vanguard Bd Index Fds	1.5%	Added 1.3%	17,354	$1.26M
SS Schwab Strategic Tr	1.2%	Trimmed 4.3%	26,419	$963K
VI Vanguard Index Fds	1.0%	Added 23%	1,195	$837K
Apple Inc	0.9%	Trimmed 2.1%	2,153	$717K
Nvidia Corporation	0.7%	Trimmed 3.9%	2,471	$564K
CG Capital Group Dividend Value	0.6%	Trimmed 3.3%	10,462	$511K
Pepsico Inc	0.5%	Unchanged	3,608	$457K
IQ Invesco Qqq Tr	0.5%	Added 108%	599	$443K
IT Ishares Tr	0.5%	Trimmed 7.5%	8,427	$431K
DE Dimensional ETF Trust	0.4%	Trimmed 0.8%	5,092	$338K
SS Schwab Strategic Tr	0.4%	Unchanged	11,071	$332K
Tesla Inc	0.4%	Unchanged	924	$328K
DE Dimensional ETF Trust	0.4%	Trimmed 3.2%	5,256	$294K
CG Capital Group Growth ETF	0.3%	Unchanged	5,645	$268K
CG Capital Group Core Equity Et	0.3%	Trimmed 0.5%	5,383	$240K
CG Capital Group Gbl Growth Eqt	0.3%	Trimmed 0.7%	5,961	$237K
DE Dimensional ETF Trust	0.3%	Trimmed 0.1%	4,815	$224K
Microsoft Corp	0.3%	New	430	$220K
Public Storage	0.2%	Unchanged	729	$206K

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

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

Company	Action	Shares changed	Value of change	% of portfolio
CG Capital Grp Fixed Incm ETF T	Trimmed	−17,714	−$375K	16.7%
DE Dimensional ETF Trust	Trimmed	−9,273	−$372K	12.8%
IQ Invesco Qqq Tr	Added	+311	+$230K	0.5%
Microsoft Corp	New	+430	+$220K	0.3%
DE Dimensional ETF Trust	Exited	−2,495	−$205K	—
Alphabet Inc	Exited	−578	−$204K	—
DE Dimensional ETF Trust	Added	+3,915	+$157K	6.3%
VI Vanguard Index Fds	Added	+222	+$156K	1.0%
SS Schwab Strategic Tr	Trimmed	−5,000	−$137K	2.2%
DE Dimensional ETF Trust	Added	+2,715	+$107K	2.6%

Showing the 10 largest of 28 changes.

quarter ended June 30, 2026 · filed August 06, 2026

Company	Action	Shares changed	Value of change	% of portfolio
VI Vanguard Index Fds	Added	+41,055	+$3.31M	5.3%
Apple Inc	Trimmed	−6,136	−$1.78M	0.8%
BH Berkshire Hathaway Inc Del	Exited	−2	−$1.44M	—
SS Schwab Strategic Tr	Trimmed	−34,761	−$1.18M	13.4%
DE Dimensional ETF Trust	Added	+18,627	+$786K	6.3%
CG Capital Grp Fixed Incm ETF T	Added	+32,192	+$718K	17.8%
DE Dimensional ETF Trust	Trimmed	−12,272	−$634K	12.4%
DE Dimensional ETF Trust	Trimmed	−9,560	−$394K	8.5%
DE Dimensional ETF Trust	Trimmed	−8,829	−$355K	2.5%
DE Dimensional ETF Trust	Trimmed	−8,495	−$336K	12.9%

Showing the 10 largest of 33 changes.

quarter ended March 31, 2026 · filed May 05, 2026

Company	Action	Shares changed	Value of change	% of portfolio
DE Dimensional ETF Trust	Trimmed	−59,694	−$2.13M	12.4%
CG Capital Grp Fixed Incm ETF T	Trimmed	−67,120	−$1.5M	17.6%
DE Dimensional ETF Trust	Trimmed	−31,508	−$1.42M	11.8%
DE Dimensional ETF Trust	Trimmed	−29,149	−$1.14M	8.7%
DE Dimensional ETF Trust	Trimmed	−17,205	−$726K	5.6%
VI Vanguard Index Fds	Trimmed	−2,266	−$593K	4.8%
VI Vanguard Index Fds	Trimmed	−1,879	−$540K	5.1%
SS Schwab Strategic Tr	Trimmed	−16,818	−$490K	13.2%
Microsoft Corp	Exited	−971	−$469K	—
DE Dimensional ETF Trust	Trimmed	−9,383	−$318K	2.6%

Showing the 10 largest of 24 changes.

quarter ended December 31, 2025 · filed February 09, 2026

Company	Action	Shares changed	Value of change	% of portfolio
SS Schwab Strategic Tr	Trimmed	−25,899	−$845K	13.5%
DE Dimensional ETF Trust	Trimmed	−17,753	−$831K	12.4%
DE Dimensional ETF Trust	Trimmed	−21,604	−$823K	8.7%
DE Dimensional ETF Trust	Trimmed	−23,558	−$806K	12.6%
CG Capital Grp Fixed Incm ETF T	Trimmed	−30,825	−$698K	17.3%
VS Vanguard Scottsdale Fds	New	+3,584	+$300K	0.3%
GX Global X Fds	Exited	−3,479	−$282K	—
VI Vanguard Index Fds	Trimmed	−968	−$250K	4.8%
DE Dimensional ETF Trust	Trimmed	−6,989	−$228K	2.5%
PS Public Storage Oper Co	Exited	−729	−$211K	—

Showing the 10 largest of 30 changes.

quarter ended September 30, 2025 · filed October 23, 2025

Company	Action	Shares changed	Value of change	% of portfolio
SS Schwab Strategic Tr	Trimmed	−41,656	−$1.33M	13.6%
DE Dimensional ETF Trust	Trimmed	−18,178	−$832K	12.5%
DE Dimensional ETF Trust	Trimmed	−12,844	−$405K	2.6%
DE Dimensional ETF Trust	Trimmed	−10,545	−$383K	8.8%
Tesla Inc	New	+800	+$356K	0.4%
SS Schwab Strategic Tr	Exited	−8,843	−$245K	—
IE Invesco Exch Traded Fd Tr Ii	Exited	−4,366	−$224K	—
CG Capital Group Dividend Value	Trimmed	−5,254	−$221K	0.5%
DE Dimensional ETF Trust	Added	+4,913	+$210K	5.5%
VI Vanguard Index Fds	Trimmed	−709	−$180K	4.8%

Showing the 10 largest of 32 changes.

quarter ended June 30, 2025 · filed July 24, 2025

Company	Action	Shares changed	Value of change	% of portfolio
DE Dimensional ETF Trust	Trimmed	−30,970	−$1.31M	12.5%
DE Dimensional ETF Trust	Trimmed	−33,014	−$1.14M	8.8%
SS Schwab Strategic Tr	Trimmed	−35,249	−$1.03M	13.9%
CG Capital Group Dividend Value	Trimmed	−25,266	−$998K	0.7%
VI Vanguard Index Fds	Trimmed	−2,742	−$833K	2.7%
Nvidia Corporation	Trimmed	−4,020	−$635K	0.5%
DE Dimensional ETF Trust	Trimmed	−21,374	−$619K	2.8%
CG Capital Group Core Equity Et	Trimmed	−16,313	−$602K	0.3%
CG Capital Group Gbl Growth Eqt	Trimmed	−17,850	−$571K	0.3%
VB Vanguard Bd Index Fds	Added	+7,113	+$550K	1.3%

Showing the 10 largest of 34 changes.

quarter ended March 31, 2025 · filed May 15, 2025

Company	Action	Shares changed	Value of change	% of portfolio
CG Capital Group Dividend Value	Trimmed	−331,478	−$11.8M	1.5%
SS Schwab Strategic Tr	Added	+322,242	+$8.07M	12.1%
DE Dimensional ETF Trust	Trimmed	−157,695	−$7.49M	0.7%
CG Capital Group Gbl Growth Eqt	Trimmed	−227,064	−$6.43M	0.8%
DE Dimensional ETF Trust	Trimmed	−143,967	−$5.67M	0.7%
CG Capital Group Core Equity Et	Trimmed	−159,394	−$5.32M	0.8%
DE Dimensional ETF Trust	Added	+164,467	+$5.14M	8.6%
DE Dimensional ETF Trust	Trimmed	−84,981	−$4.38M	0.7%
DE Dimensional ETF Trust	Trimmed	−99,044	−$4.17M	4.6%
DE Dimensional ETF Trust	Added	+111,620	+$3.41M	11.8%

Showing the 10 largest of 39 changes.

quarter ended December 31, 2024 · filed February 14, 2025

Company	Action	Shares changed	Value of change	% of portfolio
SS Schwab Strategic Tr	Added	+114,181	+$3.18M	3.2%
DE Dimensional ETF Trust	Trimmed	−54,607	−$2.21M	7.7%
Nvidia Corporation	Trimmed	−16,071	−$2.16M	0.6%
Meta Platforms Inc	Trimmed	−3,682	−$2.16M	0.2%
CG Capital Group Core Equity Et	Trimmed	−45,269	−$1.58M	4.5%
CG Capital Group Dividend Value	Trimmed	−38,667	−$1.36M	9.2%
DE Dimensional ETF Trust	Trimmed	−42,764	−$1.28M	5.8%
CG Capital Group Growth ETF	Trimmed	−27,838	−$1.03M	2.9%
VI Vanguard Index Fds	Trimmed	−3,602	−$951K	2.8%
CG Capital Group Gbl Growth Eqt	Trimmed	−29,507	−$862K	5.2%

Showing the 10 largest of 41 changes.

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