PANORAMIC INVESTMENT ADVISORS, LLC Q4 2025 Filing

Filed February 5, 2026

Portfolio Value

$184.0M

Holdings

126

Report Date

Q4 2025

Filing Type

13F-HR

All Holdings (126 positions)

#	Stock	Shares	Value	% Portfolio
1	SPYMSPDR SERIES TRUST	322,251	$25.9M	14.05%
2	VUGVANGUARD INDEX FDS	13,808	$6.7M	3.66%
3	VPLSVANGUARD MALVERN FDS	85,680	$6.7M	3.64%
4	SCHVSCHWAB STRATEGIC TR	220,061	$6.5M	3.54%
5	SCHGSCHWAB STRATEGIC TR	177,910	$5.8M	3.15%
6	GOOGALPHABET INC	18,056	$5.7M	3.08%
7	ICSHISHARES TR	95,720	$4.8M	2.63%
8	SCHDSCHWAB STRATEGIC TR	135,285	$3.7M	2.02%
9	DFLVDIMENSIONAL ETF TRUST	104,526	$3.6M	1.94%
10	NDQINVESCO QQQ TR	5,567	$3.4M	1.86%
11	VYMVANGUARD WHITEHALL FDS	23,158	$3.3M	1.81%
12	MOATVANECK ETF TRUST	31,552	$3.3M	1.78%
13	BRK/BBERKSHIRE HATHAWAY INC DEL	6,183	$3.1M	1.69%
14	FBTCFIDELITY WISE ORIGIN BITCOIN	40,283	$3.1M	1.67%
15	IVVISHARES TR	4,477	$3.1M	1.67%
16	JEPIJ P MORGAN EXCHANGE TRADED F	52,853	$3.0M	1.64%
17	GOOGLALPHABET INC	9,643	$3.0M	1.64%
18	NVDANVIDIA CORPORATION	15,173	$2.8M	1.54%
19	IBITISHARES BITCOIN TRUST ETF	54,173	$2.7M	1.46%
20	VOOVANGUARD INDEX FDS	4,275	$2.7M	1.46%
21	TLTISHARES TR	29,606	$2.6M	1.40%
22	QUALISHARES TR	12,822	$2.5M	1.38%
23	AAPLAPPLE INC	8,804	$2.4M	1.30%
24	SCHBSCHWAB STRATEGIC TR	90,180	$2.4M	1.29%
25	SCHMSCHWAB STRATEGIC TR	76,283	$2.3M	1.25%
26	VGTVANGUARD WORLD FD	3,032	$2.3M	1.24%
27	SCHASCHWAB STRATEGIC TR	79,140	$2.3M	1.22%
28	AQLTISHARES TR	24,286	$2.2M	1.18%
29	BAIBLACKROCK ETF TRUST	64,752	$2.2M	1.17%
30	XLESELECT SECTOR SPDR TR	43,561	$1.9M	1.06%
31	MAXJISHARES TR	68,250	$1.9M	1.05%
32	QQHNORTHERN LTS FD TR III	24,298	$1.9M	1.02%
33	METAMETA PLATFORMS INC	2,637	$1.7M	0.95%
34	DGRWWISDOMTREE TR	19,369	$1.7M	0.94%
35	LGHNORTHERN LTS FD TR III	27,023	$1.7M	0.91%
36	AMZNAMAZON COM INC	6,880	$1.6M	0.86%
37	MSFTMICROSOFT CORP	3,176	$1.5M	0.83%
38	ABTABBOTT LABS	11,986	$1.5M	0.82%
39	EFVISHARES TR	20,236	$1.4M	0.79%
40	IDV*ISHARES TR	36,023	$1.4M	0.77%
41	SCHWSCHWAB CHARLES CORP	13,333	$1.3M	0.72%
42	PEPPEPSICO INC	9,269	$1.3M	0.72%
43	SHLDGLOBAL X FDS	18,829	$1.2M	0.66%
44	VXUSVANGUARD STAR FDS	15,447	$1.2M	0.63%
45	IYWISHARES TR	5,629	$1.1M	0.61%
46	PCEFINVESCO EXCH TRADED FD TR II	54,905	$1.1M	0.59%
47	RDVYFIRST TR EXCHANGE TRADED FD	14,566	$1.0M	0.55%
48	GRNYTIDAL TRUST I	40,515	$1.0M	0.55%
49	DTDWISDOMTREE TR	11,796	$1.0M	0.54%
50	EVSMMORGAN STANLEY ETF TRUST	18,659	$939K	0.51%
51	ISCVISHARES TR	13,525	$926K	0.50%
52	JEPQJ P MORGAN EXCHANGE TRADED F	13,805	$802K	0.44%
53	WELLWELLTOWER INC	4,252	$789K	0.43%
54	VYMIVANGUARD WHITEHALL FDS	8,475	$762K	0.41%
55	EMXCISHARES INC	10,405	$756K	0.41%
56	DBNDDOUBLELINE ETF TRUST	15,125	$701K	0.38%
57	CLOABLACKROCK ETF TRUST II	13,238	$684K	0.37%
58	XLFSELECT SECTOR SPDR TR	12,008	$657K	0.36%
59	RSPINVESCO EXCHANGE TRADED FD T	3,396	$650K	0.35%
60	ITOTISHARES TR	4,361	$648K	0.35%
61	AVGOBROADCOM INC	1,841	$637K	0.35%
62	GQ9SPDR GOLD TR	1,586	$628K	0.34%
63	MFICMIDCAP FINANCIAL INVSTMNT CO	53,630	$613K	0.33%
64	GPIQGOLDMAN SACHS ETF TR	11,482	$607K	0.33%
65	FTCSFIRST TR EXCHANGE-TRADED FD	6,513	$602K	0.33%
66	IAU*ISHARES GOLD TR	7,184	$583K	0.32%
67	OCTTAIM ETF PRODUCTS TRUST	13,250	$576K	0.31%
68	SPLVINVESCO EXCH TRADED FD TR II	7,892	$563K	0.31%
69	IJHISHARES TR	8,129	$536K	0.29%
70	BINCBLACKROCK ETF TRUST II	10,050	$530K	0.29%
71	XOMEXXON MOBIL CORP	4,362	$524K	0.28%
72	VFHVANGUARD WORLD FD	3,890	$519K	0.28%
73	SYFIAB ACTIVE ETFS INC	14,304	$513K	0.28%
74	TSLATESLA INC	1,137	$511K	0.28%
75	JANTAIM ETF PRODUCTS TRUST	12,125	$499K	0.27%
76	ICVTISHARES TR	4,965	$489K	0.27%
77	VDCVANGUARD WORLD FD	2,142	$452K	0.25%
78	CRWDCROWDSTRIKE HLDGS INC	898	$420K	0.23%
79	IHIISHARES TR	6,649	$413K	0.22%
80	SLVISHARES SILVER TR	6,343	$408K	0.22%
81	COSTCOSTCO WHSL CORP NEW	449	$387K	0.21%
82	AHRAMERICAN HEALTHCARE REIT INC	8,006	$376K	0.20%
83	JUNTAIM ETF PRODUCTS TRUST	10,300	$374K	0.20%
84	SCHXSCHWAB STRATEGIC TR	13,878	$373K	0.20%
85	VDEVANGUARD WORLD FD	2,891	$364K	0.20%
86	VHTVANGUARD WORLD FD	1,217	$350K	0.19%
87	IJJISHARES TR	2,650	$348K	0.19%
88	PLTRPALANTIR TECHNOLOGIES INC	1,956	$347K	0.19%
89	JPMJPMORGAN CHASE & CO.	1,013	$326K	0.18%
90	BIVVANGUARD BD INDEX FDS	4,100	$319K	0.17%
91	ETNEATON CORP PLC	989	$315K	0.17%
92	OREALTY INCOME CORP	5,482	$309K	0.17%
93	VPUVANGUARD WORLD FD	1,654	$306K	0.17%
94	FNCLFIDELITY COVINGTON TRUST	3,900	$303K	0.16%
95	MGCVANGUARD WORLD FD	1,200	$301K	0.16%
96	OCTWAIM ETF PRODUCTS TRUST	7,500	$292K	0.16%
97	MRKMERCK & CO INC	2,773	$291K	0.16%
98	SCHFSCHWAB STRATEGIC TR	12,132	$291K	0.16%
99	IGSBISHARES TR	5,444	$287K	0.16%
100	XLVSELECT SECTOR SPDR TR	1,800	$278K	0.15%

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