CDM FINANCIAL COUNSELING SERVICES, INC.

CIK 2107537 · View on SEC EDGAR ↗

Portfolio value QoQ: +2.5% 13F does not disclose cash

Top 10 holdings weight53.14%

Top 25 holdings weight76.50%

Positions above 1%27

Effective number of positions23.0

Based on 13F long-equity holdings only (cash, bonds, shorts not disclosed)

Turnover Q3 2026: 0.25% Est. buys $2,056,906 · sells $293,666

Median holding: 4.0 quarters Tracked Q4 2025–Q3 2026 · 91.7% still held

New positions0

Increased48

Decreased10

Closed5

Portfolio value $118.9M #8,132 of 9,339 by 13F value · top 87.1%

Positions 77

As of Sept. 30, 2026

Sector breakdown

Technology 6.9%

Financials 6.4%

Industrials 6.0%

Consumer Discretionary 4.1%

Communication Services 3.1%

Retail 2.5%

Consumer Staples 2.0%

Healthcare 1.6%

Consumer products 0.5%

Real Estate 0.4%

Utilities 0.2%

Other/Unmapped 66.4%

Full portfolio 77 positions

					Streak
SPY SPY	$14,133,312	11.88%	18,534	$249,459	Down ×3
XLK SELECT SECTOR SPDR TRUST	$12,567,600	10.57%	64,201	$355,603	Up ×1
VTI Vanguard Morningstar Total Stock Market ETF	$7,851,018	6.60%	20,978	$548,983	Up ×3
VIG Vanguard Div Appreciation ETF	$6,183,314	5.20%	26,503	$48,991	Up ×3
MSFT Microsoft Corporation - Common Stock	$4,695,067	3.95%	9,153	$1,291,861	Up ×1
MGK VANGUARD WORLD FUND	$4,411,370	3.71%	47,615	$269,713	Up ×3
XLC SELECT SECTOR SPDR TRUST	$3,814,855	3.21%	34,379	$209,135	Up ×1
VYM Vanguard High Dividend Yield ETF	$3,651,947	3.07%	23,530	$-103,987	Down ×1
SOXX iShares Trust	$3,022,336	2.54%	5,315	$-315,948	Up ×1
VUG Vanguard Morningstar Growth ETF	$2,872,813	2.42%	31,881	$128,292	Up ×3
VOO Vanguard S&P 500 ETF	$2,651,897	2.23%	3,785	$78,892	Up ×1
IVV iShares Core S&P 500 ETF	$2,451,703	2.06%	3,201	$56,802	Up ×1
XLY XLY	$2,250,098	1.89%	20,674	$-103,124	Up ×1
V Visa Inc.	$1,921,763	1.62%	5,348	$101,043	Up ×1
AAPL Apple Inc. - Common Stock	$1,871,987	1.57%	5,623	$224,084	Down ×2
RTX RTX Corporation Common Stock	$1,841,348	1.55%	9,918	$-13,462	Up ×2
BRK-B (filed as BRKB) Berkshire Hathaway Inc. Class B	$1,800,594	1.51%	3,616	$-3,316	Up ×3
GOOG Alphabet Inc. - Class C Capital Stock	$1,767,668	1.49%	5,187	$-35,215	Up ×1
CAT Caterpillar, Inc. Common Stock	$1,727,316	1.45%	2,130	$-557,168	Down ×2
SMH SMH	$1,700,094	1.43%	2,792	$-64,004	Up ×1
MAR Marriott International - Class A Common Stock	$1,691,118	1.42%	4,755	$138,667	Up ×1
QQQ Invesco QQQ Trust, Series 1	$1,671,387	1.41%	2,260	$-21,772	Down ×3
AMZN Amazon.com, Inc. - Common Stock	$1,634,179	1.37%	6,559	$118,576	Up ×1
PM Philip Morris International Inc Common Stock	$1,451,170	1.22%	7,606	$103,945	Up ×3
XLU XLU	$1,355,480	1.14%	34,368	$-172,654	Up ×3
QQQM Invesco NASDAQ 100 ETF	$1,280,403	1.08%	4,203	$58,826	Up ×1
GOOGL Alphabet Inc. - Class A Common Stock	$1,204,281	1.01%	3,500	$-11,491	Up ×1
UNP Union Pacific Corporation Common Stock	$960,201	0.81%	3,528	$15,496	Up ×3
SCHD SCHWAB STRATEGIC TRUST	$884,658	0.74%	27,195	$120,933	Up ×1
RSP Invesco Exchange-Traded Fund Trust	$857,387	0.72%	4,122	$47,797	Up ×1
FDVV FIDELITY COVINGTON TRUST	$845,131	0.71%	13,916	$24,563	Up ×2
MA Mastercard Incorporated Common Stock	$810,824	0.68%	1,470	$63,450	Up ×1
BRK-A (filed as BRKA) Berkshire Hathaway Inc. Class A	$747,005	0.63%	1	$-1,845
MDY State Street SPDR S&P MIDCAP 400 ETF Trust	$742,666	0.62%	1,131	$-59,697	Down ×3
ASML ASML Holding N.V. - New York Registry Shares	$722,793	0.61%	398	$-70,829
TMO Thermo Fisher Scientific Inc Common Stock	$710,683	0.60%	1,053	$182,883
META Meta Platforms, Inc. - Class A Common Stock	$680,244	0.57%	938	$167,072	Up ×1
DGRW WisdomTree U.S. Quality Dividend Growth Fund	$675,040	0.57%	6,942	$11,246
JPM JP Morgan Chase & Co. Common Stock	$655,885	0.55%	1,983	$22,821	Up ×1
XLV SELECT SECTOR SPDR TRUST	$655,666	0.55%	3,893	$38,057
NVDA NVIDIA Corporation - Common Stock	$648,599	0.55%	2,840	$87,744	Up ×1
JNJ Johnson & Johnson Common Stock	$636,278	0.53%	2,403	$35,132	Up ×1
DE Deere & Company Common Stock	$630,451	0.53%	939	$44,611	Up ×3
NSC Norfolk Southern Corporation Common Stock	$618,789	0.52%	2,003	$-11,066	Up ×1
HD Home Depot, Inc. (The) Common Stock	$606,210	0.51%	2,132	$-224,300	Down ×3
KO Coca-Cola Company (The) Common Stock	$595,765	0.50%	6,921	$33,476	Up ×1
GRMN Garmin Ltd. Common Stock (Switzerland)	$588,022	0.49%	2,050	$101,065
LLY Eli Lilly and Company Common Stock	$569,284	0.48%	492	$-10,040	Up ×1
FDRR FIDELITY COVINGTON TRUST	$535,292	0.45%	7,850	$25,984
MCD McDonald's Corporation Common Stock	$530,724	0.45%	2,298	$-113,957	Down ×2
PLD Prologis, Inc. Common Stock	$526,162	0.44%	4,052	$-13,577	Up ×3
CSX CSX Corporation - Common Stock	$515,132	0.43%	11,076	$-7,832	Up ×1
AXP American Express Company Common Stock	$509,530	0.43%	1,676	$-32,531	Up ×1
SBUX Starbucks Corporation - Common Stock	$493,511	0.41%	5,253	$-35,404	Up ×2
FHLC FIDELITY COVINGTON TRUST	$483,577	0.41%	5,919	$26,443	Up ×1
SCHB SCHWAB STRATEGIC TRUST	$418,547	0.35%	14,280	$4,998
XLG Invesco Exchange-Traded Fund Trust	$413,465	0.35%	6,500	$15,470
MS Morgan Stanley Common Stock	$413,212	0.35%	2,197	$-46,048
YUM Yum! Brands, Inc.	$405,884	0.34%	2,977	$-117,818	Down ×2
GS Goldman Sachs Group, Inc. (The) Common Stock	$390,756	0.33%	434	$-48,178
MNST Monster Beverage Corporation - Common Stock	$374,580	0.31%	9,000	$38,160	Up ×1
VBK Vanguard Morningstar Small-Cap Growth ETF	$361,660	0.30%	1,069	$-5,884	Up ×1
COST Costco Wholesale Corporation - Common Stock	$360,494	0.30%	396	$-9,952
WMT Walmart Inc. - Common Stock	$347,383	0.29%	3,343	$-30,994	Up ×1
VXF Vanguard Extended Market ETF	$337,340	0.28%	1,456	$-21,168
VOT Vanguard Morningstar Mid-Cap Growth ETF	$334,455	0.28%	1,145	$-16,259
ICE Intercontinental Exchange Inc. Common Stock	$316,487	0.27%	2,082	$47,933	Down ×2
EFA iShares Trust	$309,073	0.26%	2,975	$30
LMT Lockheed Martin Corporation Common Stock	$297,912	0.25%	585	$-122
ADP Automatic Data Processing, Inc. - Common Stock	$264,676	0.22%	1,026	$35,206	Up ×1
NEE NextEra Energy, Inc. Common Stock	$264,139	0.22%	3,488	$-30,119	Up ×2
GD General Dynamics Corporation Common Stock	$255,036	0.21%	768	$-8,318	Up ×1
AMLP ALPS ETF Trust	$246,019	0.21%	4,743	$94
VOOG Vanguard S&P 500 Growth ETF	$237,635	0.20%	2,780	$7,952
AMD Advanced Micro Devices, Inc. - Common Stock	$235,527	0.20%	385	$20,590	Up ×1
SCHF SCHWAB STRATEGIC TRUST	$232,369	0.20%	8,459	$-1,945
STRV EA Series Trust	$212,504	0.18%	4,310	$6,262	Up ×1
No matches

Conviction holdings

Positions increased for 3+ consecutive quarters.

Share counts are as reported in 13F filings (not split-adjusted)

Security	Value	% of portfolio	Streak
VTI	$7,851,018	6.60%	up ×3
VIG	$6,183,314	5.20%	up ×3
MGK	$4,411,370	3.71%	up ×3
VUG	$2,872,813	2.42%	up ×3
BRK-B (filed as BRKB)	$1,800,594	1.51%	up ×3
PM	$1,451,170	1.22%	up ×3
XLU	$1,355,480	1.14%	up ×3
UNP	$960,201	0.81%	up ×3
DE	$630,451	0.53%	up ×3
PLD	$526,162	0.44%	up ×3

Top movers (QoQ)

Security	Action	Shares Δ	Value Δ
MSFT	Bought more	+30	+$1.3M
CAT	Trimmed	-15	-$557K
VTI	Bought more	+1K	+$549K
XLK	Bought more	+103	+$356K
SOXX	Bought more	+105	-$316K
MGK	Bought more	+501	+$270K
SPY	Trimmed	-58	+$249K
HD	Trimmed	-225	-$224K
AAPL	Trimmed	-73	+$224K
XLC	Bought more	+720	+$209K

Exited positions

Includes corporate events (mergers, delistings) — not all exits are sells

Closed positions reflect 13F reporting changes; for index managers these are often mechanical (delisting, M&A, index rebalancing), not active decisions.

Security	Quarter	Shares before	Value before	Price since exit
PEP	June 30, 2026	2,176	$337,959	0.3%
HON	June 30, 2026	1,086	$245,390	-1.2%
CW	June 30, 2026	350	$238,392	-38.6%
ABT	March 31, 2026	1,769	$221,638	1.0%
XLI	June 30, 2026	1,331	$215,275	-11.1%
PG	June 30, 2026	1,419	$204,925	9.8%
VOOG	March 31, 2026	450	$200,066	24.0%