CAHABA WEALTH MANAGEMENT, INC.

Key Holdings

The portfolio is heavily concentrated at the top, with the first five positions accounting for approximately 65.2% of the total assets.

• Core Dominance: The largest position is IVV (iShares Core S&P 500), comprising 29.79% of the portfolio ($427.89M). This is a massive passive allocation to U.S. large-cap equities. The second and fourth largest positions are Victory Portfolios II (12.04%) and IJH (iShares Core S&P Mid-Cap) (9.00%), respectively. This trio suggests a strong "beta" focus, tracking the broader U.S. market across large and mid-cap spectrums.
• International Exposure: IXUS (iShares Core MSCI Total International Stock) holds the third spot at 10.33% ($148.34M), indicating a firm commitment to global diversification alongside the U.S. core.
• Fixed Income & Factors: The remaining top positions include a mix of smart beta (SPYM), small-caps (IJR), and fixed income (ISTB - iShares Core Total USD Bond Market).
• Individual Securities: Outside of funds, the most notable individual stock holding is Southern Co (SO), a utility giant, which ranks 10th overall at 2.06%. Major technology names like Apple (AAPL), Microsoft (MSFT), and NVIDIA (NVDA) are present but represent smaller fractions of the portfolio (0.50%, 0.37%, and 0.28% respectively), suggesting that direct stock picking is secondary to the fund allocation strategy.