Schulz Wealth, LTD.

Schulz Wealth, LTD. runs a $156M 13F that reads more like a wealth-management allocation toolkit than a concentrated stock picker's book. The Q4 2025 filing shows the firm using Dimensional's DFAC ETF (22.8% of the portfolio) as its core equity anchor, layered with fixed income through VUSB (5.7%), and staffing the remainder with a long menu of tactical, outcome-oriented ETFs from First Trust and Innovator.

This quarter's most notable action was structural, not directional: the manager initiated small core equity positions in AAPL (0.6%), AMZN (0.4%), WMT (0.3%), VOO (0.4%), VUG (0.2%) and TSM (0.6%) while simultaneously trimming and, in a few cases, clearing out month-end outcome ETFs. The net effect is a portfolio that has nudged its equity beta upward without making a single conviction bet.