CWS Financial Advisors, LLC

KALAMAZOO, MI · CIK 1802459 · 13F filing filed 2026-04-27

SEC-registered investment adviser since 2018 · limited liability company

Assets managed$1.3bn
Staff12 · 5 in investment roles
Main clients (by assets)High net worth individuals 86%, Individuals 13%, Charities 1%
Form ADV · 2026-07-24SEC adviser record

$390.3m reported value +6.0% vs Q4 2025

157positions

58.8%in top 10

13 new 95 added 35 reduced 6 sold out vs Q4 2025

Holdings, Q1 2026

The small lines show how much was held over the last 4 quarters (adjusted for stock splits).

#	Security	Ticker	Shares	Value	% of portfolio	Change	Shares change
1	STRYKER CORPORATION COM SYK	SYK	243,176	$79.9m20.47%	20.47%	Reduced -9.0k	-9,000 -3.6%
2	DIMENSIONAL ETF TRUST US EQUITY MARKET DFUS	DFUS	443,136	$31.4m8.05%	8.05%	Added +407.1k	+407,062 1128.4%
3	VANGUARD INDEX FDS S&P 500 ETF SHS VOO	VOO	41,480	$24.8m6.35%	6.35%	Reduced -2.7k	-2,713 -6.1%
4	ISHARES TR CORE S&P SCP ETF IJR	IJR	145,841	$18.1m4.65%	4.65%	Reduced -24.5k	-24,510 -14.4%
5	APPLE INC COM AAPL	AAPL	60,550	$15.4m3.94%	3.94%	Reduced -2.5k	-2,508 -4.0%
6	VANGUARD STAR FDS VG TL INTL STK F VXUS	VXUS	192,108	$14.8m3.80%	3.80%	Reduced -559	-559 -0.3%
7	VANGUARD SPECIALIZED FUNDS DIV APP ETF VIG	VIG	54,731	$11.8m3.02%	3.02%	Added +101	+101 0.2%
8	VANGUARD INDEX FDS VALUE ETF VTV	VTV	58,082	$11.4m2.92%	2.92%	Reduced -1.7k	-1,681 -2.8%
9	VANGUARD INDEX FDS GROWTH ETF VUG	VUG	25,248	$11.0m2.83%	2.83%	Reduced -630	-630 -2.4%
10	VANGUARD INDEX FDS TOTAL STK MKT VTI	VTI	33,384	$10.7m2.74%	2.74%	Reduced -157	-157 -0.5%
11	INVESCO QQQ TR UNIT SER 1 QQQ	QQQ	16,220	$9.4m2.40%	2.40%	Added +20	+20 0.1%
12	MICROSOFT CORP COM MSFT	MSFT	18,203	$6.7m1.73%	1.73%	Added +187	+187 1.0%
13	DIMENSIONAL ETF TRUST INTL CORE EQT MK DFAI	DFAI	161,857	$6.3m1.62%	1.62%	Added +145.5k	+145,503 889.7%
14	CAPITAL GROUP GROWTH ETF SHS CREATION UNI CGGR	CGGR	134,099	$5.4m1.38%	1.38%	Added +8.3k	+8,279 6.6%
15	VANGUARD INDEX FDS SMALL CP ETF VB	VB	16,904	$4.4m1.13%	1.13%	Added +41	+41 0.2%
16	CAPITAL GROUP CORE BALANCED SHS CGBL	CGBL	120,953	$4.2m1.07%	1.07%	Added +13.7k	+13,704 12.8%
17	VANGUARD SCOTTSDALE FDS SHORT TERM TREAS VGSH	VGSH	70,329	$4.1m1.05%	1.05%	Added +5.7k	+5,703 8.8%
18	SPDR S&P 500 ETF TR TR UNIT SPY	SPY	5,913	$3.8m0.99%	0.99%	Added +17	+17 0.3%
19	VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD VCSH	VCSH	45,787	$3.6m0.93%	0.93%	Added +30.9k	+30,893 207.4%
20	SCHWAB STRATEGIC TR US DIVIDEND EQ SCHD	SCHD	105,153	$3.2m0.83%	0.83%	Added +1.0k	+1,002 1.0%
21	VANGUARD BD INDEX FDS VANGUARD ULTRA VUSB	VUSB	63,974	$3.2m0.82%	0.82%	Added +17.0k	+17,042 36.3%
22	VANGUARD INDEX FDS MID CAP ETF VO	VO	10,939	$3.1m0.80%	0.80%	Added +170	+170 1.6%
23	ISHARES TR CORE S&P500 ETF IVV	IVV	4,705	$3.1m0.79%	0.79%	Reduced -298	-298 -6.0%
24	WALMART INC COM WMT	WMT	23,567	$2.9m0.75%	0.75%	Added +10	+10 0.0%
25	VANGUARD INDEX FDS EXTEND MKT ETF VXF	VXF	13,267	$2.7m0.70%	0.70%	Reduced -216	-216 -1.6%
26	ISHARES TR CORE MSCI EAFE IEFA	IEFA	26,095	$2.4m0.61%	0.61%	Reduced -10.5k	-10,477 -28.6%
27	MCDONALDS CORP COM MCD	MCD	7,229	$2.2m0.58%	0.58%	Added +46	+46 0.6%
28	CAPITAL GROUP INTL FOCUS EQT SHS CREATION UNI CGXU	CGXU	72,133	$2.1m0.55%	0.55%	Added +272	+272 0.4%
29	SPDR S&P MIDCAP 400 ETF TR UTSER1 S&PDCRP MDY	MDY	3,325	$2.1m0.53%	0.53%	Added +12	+12 0.4%
30	VANGUARD WORLD FD INF TECH ETF VGT	VGT	2,928	$2.0m0.52%	0.52%	Reduced -18	-18 -0.6%
31	CAPITAL GROUP DIVIDEND GROWE SHS ETF CGDG	CGDG	53,031	$1.9m0.49%	0.49%	Added +1.1k	+1,145 2.2%
32	CAPITAL GRP FIXED INCM ETF T CORE BOND ETF CGCB	CGCB	70,914	$1.9m0.48%	0.48%	Added +2.0k	+2,022 2.9%
33	INTERNATIONAL BUSINESS MACHS COM IBM	IBM	7,394	$1.8m0.46%	0.46%	Added +2	+2 0.0%
34	AMERICAN CENTY ETF TR AVANTIS EMERGING AVXC	AVXC	25,609	$1.7m0.44%	0.44%	New
35	PROCTER AND GAMBLE CO COM PG	PG	11,811	$1.7m0.44%	0.44%	Added +81	+81 0.7%
36	CAPITAL GROUP CONSERVATIVE E SHS CGCV	CGCV	55,624	$1.7m0.42%	0.42%	Added +275	+275 0.5%
37	PEPSICO INC COM PEP	PEP	10,629	$1.7m0.42%	0.42%	Added +2	+2 0.0%
38	SOUTHERN CO COM SO	SO	17,047	$1.6m0.42%	0.42%	Added +1.1k	+1,140 7.2%
39	EXXON MOBIL CORP COM XOM	XOM	9,685	$1.6m0.42%	0.42%	Reduced -750	-750 -7.2%
40	VANGUARD SCOTTSDALE FDS INTER TERM TREAS VGIT	VGIT	27,399	$1.6m0.42%	0.42%	Reduced -1.9k	-1,866 -6.4%
41	CHEVRON CORP NEW COM CVX	CVX	7,503	$1.6m0.40%	0.40%	Added +140	+140 1.9%
42	ALPHABET INC CAP STK CL A GOOGL	GOOGL	5,377	$1.5m0.40%	0.40%	Added +137	+137 2.6%
43	CAPITAL GROUP CORE EQUITY ET SHS CREATION UNI CGUS	CGUS	39,992	$1.5m0.39%	0.39%	Added +397	+397 1.0%
44	VANGUARD WHITEHALL FDS INTL DVD ETF VIGI	VIGI	16,569	$1.5m0.38%	0.38%	Reduced -1.3k	-1,321 -7.4%
45	CAPITAL GROUP DIVIDEND VALUE SHS CREATION UNI CGDV	CGDV	34,335	$1.5m0.37%	0.37%	Added +7.8k	+7,776 29.3%
46	AMAZON COM INC COM AMZN	AMZN	6,819	$1.4m0.36%	0.36%	Unchanged
47	JPMORGAN CHASE & CO COM JPM	JPM	4,615	$1.4m0.35%	0.35%	Added +18	+18 0.4%
48	PHILIP MORRIS INTL INC COM PM	PM	7,962	$1.3m0.34%	0.34%	Added +14	+14 0.2%
49	ISHARES TR CORE S&P MCP ETF IJH	IJH	19,308	$1.3m0.33%	0.33%	Reduced -2.7k	-2,690 -12.2%
50	LOCKHEED MARTIN CORP COM LMT	LMT	2,003	$1.2m0.31%	0.31%	Reduced -143	-143 -6.7%
51	ABBVIE INC COM ABBV	ABBV	5,039	$1.1m0.28%	0.28%	Added +37	+37 0.7%
52	HOME DEPOT INC COM HD	HD	3,284	$1.1m0.28%	0.28%	Reduced -179	-179 -5.2%
53	LINDE PLC SHS LIN	LIN	2,155	$1.1m0.27%	0.27%	Added +156	+156 7.8%
54	CISCO SYS INC COM CSCO	CSCO	13,388	$1.0m0.27%	0.27%	Reduced -1.1k	-1,141 -7.8%
55	ANALOG DEVICES INC COM ADI	ADI	3,137	$998.1k0.26%	0.26%	Added +189	+189 6.4%
56	ALTRIA GROUP INC COM MO	MO	14,806	$977.1k0.25%	0.25%	Reduced -292	-292 -1.9%
57	JOHNSON & JOHNSON COM JNJ	JNJ	3,964	$968.9k0.25%	0.25%	Added +1	+1 0.0%
58	DIMENSIONAL ETF TRUST US SMALL CAP ETF DFAS	DFAS	13,582	$966.1k0.25%	0.25%	Added +16	+16 0.1%
59	BERKSHIRE HATHAWAY INC DEL CL B NEW BRK.B	BRK.B	1,982	$949.8k0.24%	0.24%	Unchanged
60	VANGUARD ADMIRAL FDS INC 500 GRTH IDX F VOOG	VOOG	2,322	$946.8k0.24%	0.24%	Added +52	+52 2.3%
61	FASTENAL CO COM FAST	FAST	20,258	$940.0k0.24%	0.24%	Added +586	+586 3.0%
62	PARKER-HANNIFIN CORP COM PH	PH	1,007	$901.2k0.23%	0.23%	Added +45	+45 4.7%
63	SPDR GOLD TR GOLD SHS GLD	GLD	2,027	$872.2k0.22%	0.22%	Unchanged
64	VANGUARD BD INDEX FDS TOTAL BND MRKT BND	BND	11,793	$868.4k0.22%	0.22%	Added +1.9k	+1,863 18.8%
65	ENTERGY CORP NEW COM ETR	ETR	7,617	$855.8k0.22%	0.22%	Added +452	+452 6.3%
66	CHUBB LIMITED COM CB	CB	2,575	$839.4k0.22%	0.22%	Added +227	+227 9.7%
67	VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT VEA	VEA	12,640	$810.0k0.21%	0.21%	Added +1.6k	+1,577 14.2%
68	PROGRESSIVE CORP COM PGR	PGR	4,076	$808.0k0.21%	0.21%	Reduced -23	-23 -0.6%
69	CAPITAL GRP FIXED INCM ETF T CORE PLUS INCM CGCP	CGCP	34,361	$767.6k0.20%	0.20%	Added +608	+608 1.8%
70	VERIZON COMMUNICATIONS INC COM VZ	VZ	15,029	$754.5k0.19%	0.19%	Added +138	+138 0.9%
71	VANECK ETF TRUST SEMICONDUCTR ETF SMH	SMH	1,926	$738.6k0.19%	0.19%	Unchanged
72	ALPHABET INC CAP STK CL C GOOG	GOOG	2,549	$731.1k0.19%	0.19%	Added +1	+1 0.0%
73	NEXTERA ENERGY INC COM NEE	NEE	7,830	$727.2k0.19%	0.19%	Reduced -126	-126 -1.6%
74	CATERPILLAR INC COM CAT	CAT	1,009	$714.8k0.18%	0.18%	Added +5	+5 0.5%
75	WEC ENERGY GROUP INC COM WEC	WEC	6,055	$701.0k0.18%	0.18%	Added +404	+404 7.2%
76	ELI LILLY & CO COM LLY	LLY	758	$696.9k0.18%	0.18%	Added +265	+265 53.8%
77	SNAP ON INC COM SNA	SNA	1,814	$658.7k0.17%	0.17%	Reduced -271	-271 -13.0%
78	COCA COLA CO COM KO	KO	8,480	$644.9k0.17%	0.17%	Added +44	+44 0.5%
79	ISHARES TR S&P 500 GRWT ETF IVW	IVW	5,610	$634.5k0.16%	0.16%	Reduced -115	-115 -2.0%
80	ABBOTT LABS COM ABT	ABT	6,162	$632.7k0.16%	0.16%	Added +8	+8 0.1%
81	GENERAL DYNAMICS CORP COM GD	GD	1,819	$624.4k0.16%	0.16%	Added +41	+41 2.3%
82	GRACO INC COM GGG	GGG	7,022	$594.4k0.15%	0.15%	Added +193	+193 2.8%
83	ISHARES TR MSCI USA ESG SLC SUSA	SUSA	4,414	$583.0k0.15%	0.15%	Reduced -47	-47 -1.1%
84	KINDER MORGAN INC DEL COM KMI	KMI	17,285	$579.6k0.15%	0.15%	Added +1.2k	+1,221 7.6%
85	PAYCHEX INC COM PAYX	PAYX	6,181	$569.4k0.15%	0.15%	Added +391	+391 6.8%
86	META PLATFORMS INC CL A META	META	985	$563.6k0.14%	0.14%	Added +16	+16 1.6%
87	ISHARES TR S&P 500 VAL ETF IVE	IVE	2,649	$559.3k0.14%	0.14%	Reduced -54	-54 -2.0%
88	NORTHERN TR CORP COM NTRS	NTRS	3,997	$557.9k0.14%	0.14%	Added +77	+77 2.0%
89	ISHARES INC CORE MSCI EMKT IEMG	IEMG	7,836	$546.5k0.14%	0.14%	Reduced -5.3k	-5,309 -40.4%
90	COSTCO WHSL CORP NEW COM COST	COST	546	$544.5k0.14%	0.14%	Added +1	+1 0.2%
91	AT&T INC COM T	T	18,539	$537.4k0.14%	0.14%	Added +369	+369 2.0%
92	BROADRIDGE FINL SOLUTIONS IN COM BR	BR	3,286	$533.9k0.14%	0.14%	Added +233	+233 7.6%
93	AMGEN INC COM AMGN	AMGN	1,487	$523.3k0.13%	0.13%	Added +3	+3 0.2%
94	CIVISTA BANCSHARES INC COM NO PAR CIVB	CIVB	22,877	$521.4k0.13%	0.13%	Unchanged
95	VANGUARD BD INDEX FDS SHORT TRM BOND BSV	BSV	6,632	$520.0k0.13%	0.13%	Added +3.6k	+3,569 116.5%
96	CONOCOPHILLIPS COM COP	COP	3,849	$508.1k0.13%	0.13%	Added +5	+5 0.1%
97	ILLINOIS TOOL WKS INC COM ITW	ITW	1,893	$492.8k0.13%	0.13%	Added +73	+73 4.0%
98	EDWARDS LIFESCIENCES CORP COM EW	EW	6,041	$483.8k0.12%	0.12%	Added +41	+41 0.7%
99	ISHARES TR SHRT NAT MUN ETF SUB	SUB	4,507	$480.0k0.12%	0.12%	New
100	COLGATE PALMOLIVE CO COM CL	CL	5,597	$477.1k0.12%	0.12%	Reduced -711	-711 -11.3%

Sold out since Q4 2025

Security	Ticker	Shares held before	Value then
ISHARES TR IWD	IWD	1,735	$365.0k1.7k shares
US BANCORP DEL USB	USB	4,529	$241.7k4.5k shares
UNITEDHEALTH GROUP INC UNH	UNH	684	$225.8k684 shares
ISHARES TR IWB	IWB	550	$205.4k550 shares
AMERICAN WTR WKS CO INC NEW AWK	AWK	1,573	$205.2k1.6k shares
FS CREDIT OPPORTUNITIES CORP FSCO	FSCO	15,201	$95.8k15.2k shares