Luminvest Wealth Management LLC

Key Holdings

The portfolio is anchored by large, low‑cost, broad-market ETFs:

• VTI (Vanguard Total Stock Market): $94.09M (26.10%) — the primary U.S. equity core.
• VXUS (Vanguard Total International Stock): $67.22M (18.65%) and VEU (Vanguard FTSE All-World ex-US): $33.97M (9.43%) — together these three global equity ETFs represent ~54.2% of the portfolio and establish a clear global equity overweight.
• Bond and income ETFs: VTEB (municipal bonds) $26.77M (7.43%), BND (aggregate bonds) $23.40M (6.49%), BNDX (international bonds) $22.03M (6.11%), VCIT (investment-grade corporate/intermediate) $18.57M (5.15%) and VCSH (short-term corporate) $9.42M (2.61%) — combined fixed‑income ETFs are ~28.2% of the portfolio.

Individual equities are a very small part of the reported holdings. The largest single-stock holdings are NVDA $1.43M (0.40%), MSFT $755.7K (0.21%), GOOGL $475.2K (0.13%), and AAPL $461.7K (0.13%). These positions are negligible relative to the ETF allocations and likely represent tactical or client-specific exposures rather than the core strategy.