VERITY Wealth Advisors

Key Holdings

The portfolio is dominated by broad-market index funds that serve as the core equity allocation. The top two positions, VTI (Vanguard Total Stock Market ETF) and IVV (iShares Core S&P 500 ETF), account for 27.16% and 16.09% of the portfolio, respectively. Together, these two positions represent over 43% of the firm's total assets, underscoring a heavy reliance on U.S. large-cap equities.

International exposure is also a priority, with VEU (Vanguard FTSE All-World Ex-US) holding the third spot at 7.46%. Notably, the portfolio includes a significant allocation to individual stocks, but these are generally smaller "satellite" positions. Microsoft (MSFT) is the largest individual equity holding at 1.88%, followed by Johnson & Johnson (JNJ) at 0.91%. The presence of HEFA (iShares Currency Hedged MSCI EAFE ETF) at 1.87% suggests a tactical approach to managing currency risk within international equity allocations.