Elwood & Goetz Wealth Advisory Group, LLC

2. Key Holdings

The portfolio is dominated by large-scale, passive index funds designed to capture broad market performance. The top two positions, VEA (Vanguard Tax-Managed International Fund) and VOO (Vanguard S&P 500 ETF), are nearly equal in weight, representing 15.34% and 14.95% of the portfolio, respectively. This creates a balanced barbell between U.S. and international developed equities right at the top of the portfolio.

The third largest holding, DFAR (Dimensional ETF Trust) at 9.57%, along with other Dimensional and American Century funds, suggests a tilt toward specific factor investing or strategic beta strategies (likely value or profitability factors) often utilized by institutional advisors.