FINANCIAL CONSULATE, INC

Q4 2025 13F-HR Holdings

Location
Hunt Valley, MD
Holdings as of
12/31/2025
Date filed
1/22/2026
Form type
13F-HR
Num holdings
1,339
Total value ($000)
$731,401
Net value change ($000)
+23,159 (3.3%)
New positions
308
Sold out positions
126
Turnover %
2.8%
Sector allocation + QoQ delta (equities-only)
Prev filing: 10/21/2025 Next filing: 4/21/2026 SEC filing

Snapshot: Change Analysis

Compared to Q3 2025
Methodology: sector metrics are equities-only; instrument mix chart is ex-options; options exposure is shown separately. Why this matters.
Top Adds (Value $000, Stocks/ETFs)
FNDE 15,921 NEW
SCHX 4,779 3.5%
MFDX 3,728 6.2%
VTIP 2,612 10.5%
DIHP 1,989 5.5%
SCHWAB STRATEGIC TRUST 1,609 3.8%
AAPL 1,212 6.1%
DFAS 1,032 3.6%
DUHP 966 1.3%
FLQM 833 4.1%
Top Reduces (Value $000, Stocks/ETFs)
FNDB -4,406 -14.0%
MSFT -4,365 -52.1%
SCHR -2,172 -100.0%
MFUS -1,146 -21.0%
PULS -1,087 -8.7%
ACNB -533 -90.5%
VLTO -463 -86.5%
JPM -440 -25.3%
PNC -348 -11.8%
TCAF -320 -1.9%
Instrument mix + QoQ Δ (ex-options)
How this table is calculated: SEC VALUE ($000) is used as reported. For derivatives (PUT/CALL/WARRANT/RIGHT), SEC value represents reported underlying exposure, not premium cash paid/received. Column % is bucket-based: non-options share is calculated inside non-option total, options share is calculated inside options total. Details.
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Instrument:
Issuer Name Ticker Sector Industry Class History Value ($000) % Shares Shares Δ Shares Δ% Value Δ ($000) Value Δ% Principal Option Type