GEN Financial Management, INC.

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

Portfolio value: $185M
Positions: 56
Quarter ended: September 30, 2026
Filed: October 13, 2026

Reported portfolio value by quarter (8 quarters reported)

$185M $116M

Q4 24 Q2 25 Q4 25 Q2 26 Q3 26

$154M in Q4 2024 → $185M 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	15.0%	Trimmed 1.4%	922,980	$27.7M
VS Vanguard Specialized Funds	14.5%	Trimmed 0.4%	115,347	$26.9M
VW Vanguard Whitehall Fds	10.5%	Added 0.9%	205,678	$19.4M
FC Fidelity Covington Trust	7.7%	Trimmed 2.9%	288,911	$14.2M
VS Vanguard Scottsdale Fds	7.3%	Added 2.9%	234,180	$13.5M
PF Pacer Fds Tr	7.2%	Trimmed 0.5%	199,445	$13.3M
DE Dimensional ETF Trust	6.1%	Added 0.1%	312,333	$11.3M
VM Vanguard Malvern Fds	4.8%	Added 1.3%	120,275	$8.85M
JP J P Morgan Exchange Traded F	2.7%	Added 1088%	100,398	$4.9M
DI Dfa Invt Dimensions Group In	1.6%	New	123,012	$2.97M
SS SPDR Series Trust	1.5%	Trimmed 1.3%	25,677	$2.75M
SS SPDR Series Trust	1.4%	Added 1.5%	25,043	$2.62M
VB Vanguard Bd Index Fds	1.3%	New	34,181	$2.4M
VA Vanguard Admiral Fds Inc	1.2%	Unchanged	26,220	$2.24M
DE Dimensional ETF Trust	1.0%	New	47,622	$1.91M
VW Vanguard Wellington Fd	1.0%	Added 27%	18,133	$1.79M
DE Dimensional ETF Trust	0.9%	New	46,335	$1.74M
VM Vanguard Mun Bd Fds	0.9%	Added 15%	36,465	$1.73M
VI Vanguard Instl Index Fd	0.9%	Added 5.1%	20,850	$1.58M
IT Ishares Tr	0.8%	Unchanged	1,868	$1.43M
VI Vanguard Intl Equity Index F	0.7%	Added 0.4%	8,040	$1.27M
DI Dfa Invt Dimensions Group In	0.6%	New	27,988	$1.17M
BH Berkshire Hathaway Inc Del	0.6%	Trimmed 8.4%	2,140	$1.07M
DE Dimensional ETF Trust	0.6%	New	26,439	$1.06M
VI Vanguard Index Fds	0.6%	Unchanged	2,904	$1.02M
Capital Southwest Corp	0.6%	Added 66%	44,069	$1.02M
IT Ishares Tr	0.5%	Added 10%	10,004	$973K
DI Dfa Invt Dimensions Group In	0.5%	New	25,954	$972K
TC Trinity Cap Inc	0.5%	Added 26%	53,795	$944K
IT Ishares Tr	0.5%	Unchanged	6,553	$932K
VI Vanguard Index Fds	0.5%	Added 121%	2,745	$927K
SS SPDR Series Trust	0.5%	Added 0.1%	6,169	$904K
Microsoft Corp	0.4%	Added 4.2%	1,600	$821K
AC American Centy ETF Tr	0.4%	Trimmed 8.6%	9,493	$724K
IT Ishares Tr	0.4%	Unchanged	4,137	$688K
VI Vanguard Intl Equity Index F	0.4%	New	11,500	$682K
Apple Inc	0.3%	Trimmed 0.8%	1,699	$566K
IT Ishares Tr	0.3%	Trimmed 6.0%	2,156	$492K
VI Vanguard Index Fds	0.3%	Unchanged	1,640	$479K
AC American Centy ETF Tr	0.3%	Unchanged	4,014	$473K
VI Vanguard Index Fds	0.2%	New	4,694	$423K
IT Ishares Tr	0.2%	New	7,363	$377K
Hercules Capital Inc	0.2%	Trimmed 71%	21,902	$368K
VI Vanguard Index Fds	0.2%	New	3,628	$325K
IT Ishares Tr	0.2%	Added 8.5%	4,568	$313K
JP J P Morgan Exchange Traded F	0.2%	New	6,350	$302K
DE Dimensional ETF Trust	0.2%	New	6,906	$299K
IT Ishares Tr	0.2%	New	4,781	$294K
Palo Alto Networks Inc	0.2%	Unchanged	721	$286K
IT Ishares Tr	0.2%	Unchanged	1,788	$284K
Alphabet Inc	0.1%	Trimmed 14%	740	$255K
Amazon Com Inc	0.1%	Added 0.7%	986	$246K
Unitedhealth Group Inc	0.1%	Added 0.5%	614	$225K
Prosperity Bancshares Inc	0.1%	New	3,380	$224K
Chevron Corporation	0.1%	New	1,006	$205K
AM Aberdeen Mun Income Fd	0.1%	New	24,985	$121K

Timeline of changes

What changed each quarter, from the filings' own share counts. Largest moves first; most recent 7 quarters.

Q3 2026

quarter ended September 30, 2026 · filed October 13, 2026

Company	Action	Shares changed	Value of change	% of portfolio
JP J P Morgan Exchange Traded F	Added	+91,950	+$4.49M	2.7%
DI Dfa Invt Dimensions Group In	New	+123,012	+$2.97M	1.6%
VB Vanguard Bd Index Fds	New	+34,181	+$2.4M	1.3%
DE Dimensional ETF Trust	New	+47,622	+$1.91M	1.0%
DE Dimensional ETF Trust	Exited	−70,730	−$1.85M	—
DE Dimensional ETF Trust	New	+46,335	+$1.74M	0.9%
DI Dfa Invt Dimensions Group In	New	+27,988	+$1.17M	0.6%
DE Dimensional ETF Trust	New	+26,439	+$1.06M	0.6%
DI Dfa Invt Dimensions Group In	New	+25,954	+$972K	0.5%
Hercules Capital Inc	Trimmed	−54,480	−$916K	0.2%

Showing the 10 largest of 50 changes.

Q2 2026

quarter ended June 30, 2026 · filed July 24, 2026

Company	Action	Shares changed	Value of change	% of portfolio
VB Vanguard Bd Index Fds	Exited	−31,634	−$2.33M	—
DE Dimensional ETF Trust	Exited	−57,763	−$2.06M	—
DE Dimensional ETF Trust	Exited	−52,832	−$1.88M	—
VA Vanguard Admiral Fds Inc	Added	+21,849	+$1.81M	1.3%
DE Dimensional ETF Trust	Added	+48,764	+$1.28M	1.1%
Hercules Capital Inc	New	+76,382	+$1.2M	0.7%
DE Dimensional ETF Trust	Exited	−30,356	−$1.12M	—
DE Dimensional ETF Trust	Exited	−31,366	−$1.1M	—
DE Dimensional ETF Trust	Exited	−23,968	−$1.01M	—
VM Vanguard Malvern Fds	Added	+10,195	+$787K	5.5%

Showing the 10 largest of 50 changes.

Q1 2026

quarter ended March 31, 2026 · filed April 16, 2026

Company	Action	Shares changed	Value of change	% of portfolio
VW Vanguard Wellington Fd	New	+13,821	+$1.4M	0.9%
SS Schwab Strategic Tr	Added	+35,283	+$905K	14.8%
VS Vanguard Scottsdale Fds	Trimmed	−14,757	−$864K	7.9%
DE Dimensional ETF Trust	New	+21,966	+$520K	0.3%
VI Vanguard Instl Index Fd	Added	+6,662	+$504K	0.7%
VM Vanguard Malvern Fds	Added	+5,868	+$454K	5.2%
VW Vanguard Whitehall Fds	Added	+4,501	+$398K	11.1%
SS SPDR Series Trust	Added	+3,500	+$336K	1.4%
DE Dimensional ETF Trust	Added	+8,373	+$282K	6.6%
Alphabet Inc	New	+904	+$260K	0.2%

Showing the 10 largest of 40 changes.

Q4 2025

quarter ended December 31, 2025 · filed January 15, 2026

Company	Action	Shares changed	Value of change	% of portfolio
FC Fidelity Covington Trust	New	+298,664	+$13.2M	8.3%
DE Dimensional ETF Trust	Added	+250,061	+$8.24M	6.4%
VM Vanguard Malvern Fds	New	+102,641	+$8M	5.0%
VS Vanguard Specialized Funds	Added	+23,342	+$5.13M	15.7%
SS Schwab Strategic Tr	Added	+176,498	+$4.75M	15.2%
VS Vanguard Scottsdale Fds	Added	+39,193	+$2.3M	8.6%
VB Vanguard Bd Index Fds	Exited	−37,654	−$1.88M	—
AC American Centy ETF Tr	New	+10,108	+$714K	0.4%
VI Vanguard Instl Index Fd	New	+8,168	+$616K	0.4%
VI Vanguard Index Fds	Exited	−1,948	−$496K	—

Showing the 10 largest of 42 changes.

Q3 2025

quarter ended September 30, 2025 · filed October 15, 2025

Company	Action	Shares changed	Value of change	% of portfolio
SS Schwab Strategic Tr	Trimmed	−89,536	−$2.36M	16.3%
VS Vanguard Specialized Funds	Trimmed	−10,470	−$2.26M	16.8%
VW Vanguard Whitehall Fds	Trimmed	−21,269	−$1.91M	15.5%
VS Vanguard Scottsdale Fds	Trimmed	−27,332	−$1.61M	9.8%
PF Pacer Fds Tr	Trimmed	−25,223	−$1.45M	9.9%
VM Vanguard Mun Bd Fds	Trimmed	−14,561	−$729K	1.7%
VB Vanguard Bd Index Fds	Added	+6,586	+$329K	1.6%
CN Chevron Corp New	New	+1,925	+$299K	0.3%
Unitedhealth Group Inc	Exited	−773	−$241K	—
SS SPDR Series Trust	Trimmed	−2,381	−$225K	2.4%

Showing the 10 largest of 35 changes.

Q2 2025

quarter ended June 30, 2025 · filed July 18, 2025

Company	Action	Shares changed	Value of change	% of portfolio
VW Vanguard Whitehall Fds	Trimmed	−93,112	−$8.39M	16.4%
VS Vanguard Specialized Funds	Trimmed	−40,501	−$8.3M	16.8%
SS Schwab Strategic Tr	Trimmed	−303,676	−$7.42M	16.2%
VS Vanguard Scottsdale Fds	Trimmed	−111,327	−$6.54M	10.6%
PF Pacer Fds Tr	Trimmed	−85,067	−$4.69M	10.1%
SS SPDR Series Trust	Added	+27,101	+$2.41M	2.3%
VB Vanguard Bd Index Fds	New	+31,068	+$1.55M	1.3%
SS SPDR Series Trust	Added	+17,383	+$1.51M	1.5%
DE Dimensional ETF Trust	Added	+49,126	+$1.47M	1.5%
FE Fidelity Ethereum Fd	Exited	−32,394	−$591K	—

Showing the 10 largest of 44 changes.

Q1 2025

quarter ended March 31, 2025 · filed April 16, 2025

Company	Action	Shares changed	Value of change	% of portfolio
VB Vanguard Bd Index Fds	New	+31,791	+$2.34M	1.6%
IT Ishares Tr	Exited	−14,569	−$1.19M	—
IT Ishares Tr	Trimmed	−17,285	−$905K	0.2%
IT Ishares Tr	Exited	−20,998	−$895K	—
IT Ishares Tr	Exited	−15,385	−$726K	—
Amgen Inc	Exited	−2,502	−$652K	—
VI Vanguard Intl Equity Index F	New	+13,773	+$623K	0.4%
IT Ishares Tr	Exited	−6,202	−$569K	—
VM Vanguard Mun Bd Fds	Trimmed	−8,816	−$437K	1.9%
SS SPDR Ser Tr	New	+4,927	+$409K	0.3%

Showing the 10 largest of 55 changes.

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