Freedom Investment Management, Inc. Q4 2025 Filing

Filed February 6, 2026

Portfolio Value

$343.9M

Holdings

117

Report Date

Q4 2025

Filing Type

13F-HR

All Holdings (117 positions)

#	Stock	Shares	Value	% Portfolio
1	DUHPDIMENSIONAL ETF TRUST	1,380,264	$52.5M	15.26%
2	DFUSDIMENSIONAL ETF TRUST	581,454	$43.1M	12.54%
3	DFICDIMENSIONAL ETF TRUST	937,782	$32.3M	9.40%
4	VTVVANGUARD INDEX FDS	159,320	$30.4M	8.85%
5	EZMWISDOMTREE TR	301,519	$20.1M	5.86%
6	DFAEDIMENSIONAL ETF TRUST	542,295	$17.7M	5.14%
7	AVDSAMERICAN CENTY ETF TR	226,992	$15.8M	4.61%
8	IVLUISHARES TR	339,831	$12.9M	3.76%
9	DFEVDIMENSIONAL ETF TRUST	351,153	$11.8M	3.44%
10	DFSVDIMENSIONAL ETF TRUST	306,518	$10.1M	2.93%
11	AVSCAMERICAN CENTY ETF TR	166,300	$9.8M	2.84%
12	BONDPIMCO ETF TR	88,476	$8.2M	2.39%
13	SPYVSPDR SERIES TRUST	67,028	$3.8M	1.11%
14	DFATDIMENSIONAL ETF TRUST	55,227	$3.3M	0.96%
15	DFASDIMENSIONAL ETF TRUST	46,549	$3.2M	0.94%
16	AGGYWISDOMTREE TR	64,291	$2.8M	0.82%
17	BABINVESCO EXCH TRADED FD TR II	100,969	$2.7M	0.80%
18	SPYGSPDR SERIES TRUST	25,546	$2.7M	0.79%
19	AAPLAPPLE INC	8,771	$2.4M	0.69%
20	DFACDIMENSIONAL ETF TRUST	56,492	$2.2M	0.65%
21	VOOVANGUARD INDEX FDS	3,500	$2.2M	0.64%
22	DFIVDIMENSIONAL ETF TRUST	43,312	$2.2M	0.63%
23	JHMMJOHN HANCOCK EXCHANGE TRADED	31,507	$2.1M	0.60%
24	DIHPDIMENSIONAL ETF TRUST	62,470	$2.0M	0.57%
25	BSVVANGUARD BD INDEX FDS	22,198	$1.7M	0.51%
26	VONVVANGUARD SCOTTSDALE FDS	16,463	$1.5M	0.44%
27	JMUBJ P MORGAN EXCHANGE TRADED F	29,569	$1.5M	0.43%
28	VTEIVANGUARD MUN BD FDS	14,479	$1.5M	0.42%
29	MINOPIMCO ETF TR	28,646	$1.3M	0.38%
30	SPYSPDR S&P 500 ETF TR	1,631	$1.1M	0.32%
31	AQLTISHARES TR	11,993	$1.1M	0.31%
32	BDYNBLACKROCK ETF TRUST	41,887	$1.1M	0.31%
33	DCORDIMENSIONAL ETF TRUST	14,087	$1.0M	0.30%
34	VONGVANGUARD SCOTTSDALE FDS	8,362	$1.0M	0.30%
35	SCHGSCHWAB STRATEGIC TR	28,153	$917K	0.27%
36	SLYVSPDR SERIES TRUST	10,065	$915K	0.27%
37	XLKSELECT SECTOR SPDR TR	6,270	$901K	0.26%
38	PNOVINNOVATOR ETFS TRUST	20,973	$876K	0.25%
39	VXUSVANGUARD STAR FDS	11,528	$869K	0.25%
40	SLYGSPDR SERIES TRUST	8,729	$822K	0.24%
41	RVNUDBX ETF TR	33,406	$819K	0.24%
42	VBVANGUARD INDEX FDS	3,162	$815K	0.24%
43	VUGVANGUARD INDEX FDS	1,669	$813K	0.24%
44	DFAXDIMENSIONAL ETF TRUST	23,906	$782K	0.23%
45	FOCTFIRST TR EXCHNG TRADED FD VI	15,740	$771K	0.22%
46	AGGISHARES TR	7,722	$770K	0.22%
47	VEAVANGUARD TAX-MANAGED FDS	12,167	$759K	0.22%
48	BRK-BBERKSHIRE HATHAWAY INC DEL	1	$754K	0.22%
49	MDYVSPDR SERIES TRUST	7,866	$665K	0.19%
50	XLFSELECT SECTOR SPDR TR	11,743	$642K	0.19%
51	IVVISHARES TR	857	$586K	0.17%
52	SFLRINNOVATOR ETFS TRUST	14,546	$536K	0.16%
53	MDYGSPDR SERIES TRUST	5,785	$534K	0.16%
54	KVLEKRANESHARES TRUST	19,438	$497K	0.14%
55	IUSBISHARES TR	9,719	$452K	0.13%
56	DLSWISDOMTREE TR	5,516	$446K	0.13%
57	NULGNUSHARES ETF TR	4,429	$433K	0.13%
58	PYLDPIMCO ETF TR	16,024	$426K	0.12%
59	IGIBISHARES TR	7,665	$413K	0.12%
60	ACWVISHARES INC	3,383	$401K	0.12%
61	EESWISDOMTREE TR	7,030	$400K	0.12%
62	VOTVANGUARD INDEX FDS	1,430	$399K	0.12%
63	IAGGISHARES TR	7,982	$399K	0.12%
64	XLCSELECT SECTOR SPDR TR	3,363	$395K	0.11%
65	SPDWSPDR INDEX SHS FDS	8,813	$391K	0.11%
66	XLVSELECT SECTOR SPDR TR	2,528	$390K	0.11%
67	JIGJ P MORGAN EXCHANGE TRADED F	5,216	$382K	0.11%
68	VTWVVANGUARD SCOTTSDALE FDS	2,370	$379K	0.11%
69	DFSUDIMENSIONAL ETF TRUST	8,536	$370K	0.11%
70	BAIBLACKROCK ETF TRUST	11,098	$369K	0.11%
71	VTWGVANGUARD SCOTTSDALE FDS	1,561	$368K	0.11%
72	NVDANVIDIA CORPORATION	1,944	$362K	0.11%
73	BNDXVANGUARD CHARLOTTE FDS	7,454	$359K	0.10%
74	IEURISHARES TR	4,788	$339K	0.10%
75	NOCTINNOVATOR ETFS TRUST	5,795	$335K	0.10%
76	XLISELECT SECTOR SPDR TR	2,124	$329K	0.10%
77	FENYFIDELITY COVINGTON TRUST	13,245	$328K	0.10%
78	QUALISHARES TR	1,613	$320K	0.09%
79	DYNFBLACKROCK ETF TRUST	5,261	$319K	0.09%
80	IJHISHARES TR	4,810	$317K	0.09%
81	PCMMBONDBLOXX ETF TRUST	5,972	$310K	0.09%
82	GOOGLALPHABET INC	995	$310K	0.09%
83	QQQMINVESCO EXCH TRADED FD TR II	1,221	$308K	0.09%
84	IVWISHARES TR	2,455	$302K	0.09%
85	BBCBJ P MORGAN EXCHANGE TRADED F	6,592	$301K	0.09%
86	IGFISHARES TR	4,906	$301K	0.09%
87	PICBINVESCO EXCH TRADED FD TR II	12,640	$301K	0.09%
88	MSFTMICROSOFT CORP	624	$301K	0.09%
89	VTIVANGUARD INDEX FDS	868	$291K	0.08%
90	NUSCNUSHARES ETF TR	6,437	$287K	0.08%
91	VWOVANGUARD INTL EQUITY INDEX F	5,233	$281K	0.08%
92	EFVISHARES TR	3,949	$281K	0.08%
93	ESGEISHARES INC	6,309	$278K	0.08%
94	DFUVDIMENSIONAL ETF TRUST	5,973	$278K	0.08%
95	NDQINVESCO QQQ TR	448	$275K	0.08%
96	IOCTINNOVATOR ETFS TRUST	7,834	$273K	0.08%
97	QLCFLEXSHARES TR	3,359	$272K	0.08%
98	AVEMAMERICAN CENTY ETF TR	3,492	$267K	0.08%
99	XLYSELECT SECTOR SPDR TR	2,233	$265K	0.08%
100	VNQIVANGUARD INTL EQUITY INDEX F	5,688	$260K	0.08%

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