PlanVest Financial, Inc

The shape of the book is the story. 565 positions against $131.5M works out to an average line of roughly $233K, and the register carries three separate S&P 500 wrappers (IVV at 4.8%, SPY at 2.7%, SPYM at 0.7%) plus a Catholic-values screen (CATH, 1.1%) sitting alongside a spot bitcoin fund (BITB, 0.6%). That redundancy is the signature of client model portfolios and inherited positions rather than a proprietary trading book -- and it means the conviction here lives at the allocation layer, where the personality is unmistakable.

Income first, growth with a seatbelt. Dividend and covered-call vehicles -- SCHD, HDV (2.3%), NOBL (1.2%), GQI (1.0%), JEPQ (0.8%) -- total north of 11% of the book, roughly matching a bond-ETF sleeve (AGG 3.7%, FBND 3.0%, VGIT 1.3% and smaller lines) that approaches 12% combined. Nasdaq exposure is real -- QQQM (4.0%), QQQ (2.6%), XLK (2.1%) -- but a meaningful slice of the growth bet is taken through the buffered wrappers above, which by construction trade away upside beyond a cap in exchange for a defined downside floor. Add 1.8% in gold across GLD and IAU, plus quality-factor small- and mid-cap tilts (XSHQ 2.7%, XMHQ 2.7%), and the profile is unambiguous: this book is engineered for drawdown tolerance, and it pays for that insurance in a strong tape through buffer caps and call-writing.