Meritas Wealth Management, LLC

Key Holdings

The top ten holdings are dominated by factor-based ETFs, which collectively command roughly 73% of the portfolio's total value.

• Core Factor ETFs: The largest positions are DFUV (Dimensional US Core Equity 2 ETF) and DFAT (Dimensional International Core Equity 2), representing 12.63% and 11.75% of the portfolio, respectively. These are followed closely by DFUS (US Targeted Value ETF) and AVUV (American Century US Small Cap Value ETF). This clustering indicates a strong conviction in "Value" and "Small Cap" factors, as well as a significant international equity tilt.
• Individual Equities: Apple Inc. (AAPL) is the lone individual stock in the top ten, holding a 5.30% weight ($11.02M). This position was established this quarter, signaling a tactical overweight in large-cap technology stability.
• Fixed Income: BND (Vanguard Total Bond Market ETF) and VTIP (Vanguard Short-Term Inflation-Protected Securities) appear in the top ten, comprising a combined 5.92% of the portfolio. This suggests a focus on capital preservation and inflation hedging within the asset allocation mix.