White & Co Financial Planning Inc

Key Holdings

The portfolio is dominated by a core suite of Schwab Strategic ETFs, which occupy the top positions and represent a "core-and-satellite" or asset-class-pure investment style.

• Large Cap Dominance: The largest position is SCHX (Schwab U.S. Large-Cap ETF) at $21.82M (16.31%), followed closely by SCHA (Schwab U.S. Small-Cap ETF) at $20.98M (15.69%). This nearly equal weighting between large and small caps suggests a "barbell" approach to U.S. equity exposure, seeking to capture growth from established giants while maintaining exposure to the higher growth potential of smaller companies.
• Factor and International Exposure: The third and fourth holdings, SCHM (Large-Cap Growth) and SCHF (International Large-Cap), represent 9.72% and 9.40% of the portfolio, respectively.
• Top 5 Concentration: The top five holdings alone account for 60.2% of the total portfolio value. This heavy concentration in a few broad-market funds implies a strategy focused on beta (market returns) rather than alpha (manager outperformance), utilizing low-cost vehicles to gain exposure to specific market segments.