Sensenig Capital Advisors, Inc

2. Key Holdings

The portfolio is dominated by a select group of factor-based ETFs, with the top three positions comprising roughly 55% of the total assets.

• AVUS (Avantis U.S. Equity ETF) - 27.55%: This is the largest holding, valued at over $27 million. AVUS focuses on U.S. large-cap companies with a value tilt. This significant allocation signals a strong conviction in the value premium within the U.S. equity market.
• DFAC (Dimensional U.S. Core Equity 2 ETF) - 15.70%: The second-largest position provides broad U.S. market exposure but emphasizes profitability and smaller capitalizations relative to the market. This complements the value tilt of the top holding.
• DFIC (Dimensional International Core Equity Market ETF) - 11.59%: This position provides international diversification, targeting companies outside the U.S. with a focus on profitability.
• BNDX (Vanguard Total International Bond ETF) - 7.45%: This is the primary fixed income allocation, providing exposure to non-U.S. investment-grade bonds. It acts as a stabilizer and currency diversifier within the portfolio.