CWS Financial Advisors, LLC

KALAMAZOO, MI · CIK 1802459 · 13F filing filed 2026-07-30

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

$450.6m reported value +15.5% vs Q1 2026

171positions

56.7%in top 10

17 new 101 added 33 reduced 3 sold out vs Q1 2026

Holdings, Q2 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	243,264	$76.6m17.00%	17.00%	Added +88	+88 0.0%
2	DIMENSIONAL ETF TRUST US EQUITY MARKET DFUS	DFUS	586,781	$48.1m10.67%	10.67%	Added +143.6k	+143,645 32.4%
3	VANGUARD INDEX FDS S&P 500 ETF SHS VOO	VOO	37,948	$26.1m5.78%	5.78%	Reduced -3.5k	-3,532 -8.5%
4	APPLE INC COM AAPL	AAPL	63,858	$18.5m4.10%	4.10%	Added +3.3k	+3,308 5.5%
5	ISHARES TR CORE S&P SCP ETF IJR	IJR	119,020	$17.7m3.92%	3.92%	Reduced -26.8k	-26,821 -18.4%
6	VANGUARD STAR FDS VG TL INTL STK F VXUS	VXUS	184,623	$15.8m3.50%	3.50%	Reduced -7.5k	-7,485 -3.9%
7	DIMENSIONAL ETF TRUST INTL CORE EQT MK DFAI	DFAI	357,002	$14.7m3.27%	3.27%	Added +195.1k	+195,145 120.6%
8	VANGUARD INDEX FDS GROWTH ETF VUG	VUG	150,746	$13.0m2.88%	2.88%	Reduced -742	-742 -0.5%
9	VANGUARD SPECIALIZED FUNDS DIV APP ETF VIG	VIG	53,381	$12.6m2.80%	2.80%	Reduced -1.4k	-1,350 -2.5%
10	VANGUARD INDEX FDS VALUE ETF VTV	VTV	57,101	$12.4m2.76%	2.76%	Reduced -981	-981 -1.7%
11	VANGUARD INDEX FDS TOTAL STK MKT VTI	VTI	33,122	$12.3m2.72%	2.72%	Reduced -262	-262 -0.8%
12	INVESCO QQQ TR UNIT SER 1 QQQ	QQQ	16,217	$11.9m2.65%	2.65%	Reduced -3	-3 -0.0%
13	MICROSOFT CORP COM MSFT	MSFT	18,324	$6.8m1.52%	1.52%	Added +121	+121 0.7%
14	CAPITAL GROUP GROWTH ETF SHS CREATION UNI CGGR	CGGR	141,395	$6.7m1.48%	1.48%	Added +7.3k	+7,296 5.4%
15	VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD VCSH	VCSH	77,306	$6.1m1.36%	1.36%	Added +31.5k	+31,519 68.8%
16	CAPITAL GROUP CORE BALANCED SHS CGBL	CGBL	137,150	$5.2m1.16%	1.16%	Added +16.2k	+16,197 13.4%
17	VANGUARD INDEX FDS SMALL CP ETF VB	VB	16,453	$5.0m1.11%	1.11%	Reduced -451	-451 -2.7%
18	VANGUARD SCOTTSDALE FDS SHORT TERM TREAS VGSH	VGSH	78,342	$4.6m1.01%	1.01%	Added +8.0k	+8,013 11.4%
19	SPDR S&P 500 ETF TR TR UNIT SPY	SPY	5,928	$4.4m0.98%	0.98%	Added +15	+15 0.2%
20	AMERICAN CENTY ETF TR AVANTIS EMERGING AVXC	AVXC	50,885	$4.4m0.97%	0.97%	Added +25.3k	+25,276 98.7%
21	VANGUARD BD INDEX FDS VANGUARD ULTRA VUSB	VUSB	77,985	$3.9m0.86%	0.86%	Added +14.0k	+14,011 21.9%
22	SCHWAB STRATEGIC TR US DIVIDEND EQ SCHD	SCHD	116,910	$3.7m0.82%	0.82%	Added +11.8k	+11,757 11.2%
23	VANGUARD INDEX FDS MID CAP ETF VO	VO	43,870	$3.5m0.78%	0.78%	Added +114	+114 0.3%
24	ISHARES TR CORE S&P500 ETF IVV	IVV	4,707	$3.5m0.78%	0.78%	Added +2	+2 0.0%
25	VANGUARD INDEX FDS EXTEND MKT ETF VXF	VXF	11,694	$2.9m0.64%	0.64%	Reduced -1.6k	-1,573 -11.9%
26	VANGUARD WORLD FD INF TECH ETF VGT	VGT	23,453	$2.8m0.62%	0.62%	Added +29	+29 0.1%
27	WALMART INC COM WMT	WMT	23,596	$2.7m0.59%	0.59%	Added +29	+29 0.1%
28	ISHARES TR CORE MSCI EAFE IEFA	IEFA	26,399	$2.5m0.57%	0.57%	Added +304	+304 1.2%
29	CAPITAL GROUP INTL FOCUS EQT SHS CREATION UNI CGXU	CGXU	72,983	$2.5m0.56%	0.56%	Added +850	+850 1.2%
30	SPDR S&P MIDCAP 400 ETF TR UTSER1 S&PDCRP MDY	MDY	3,332	$2.3m0.52%	0.52%	Added +7	+7 0.2%
31	INTERNATIONAL BUSINESS MACHS COM IBM	IBM	7,362	$2.1m0.46%	0.46%	Reduced -32	-32 -0.4%
32	CAPITAL GROUP DIVIDEND GROWE SHS ETF CGDG	CGDG	52,919	$2.0m0.44%	0.44%	Reduced -112	-112 -0.2%
33	MCDONALDS CORP COM MCD	MCD	7,237	$2.0m0.43%	0.43%	Added +8	+8 0.1%
34	ALPHABET INC CAP STK CL A GOOGL	GOOGL	5,431	$1.9m0.43%	0.43%	Added +54	+54 1.0%
35	CAPITAL GRP FIXED INCM ETF T CORE BOND ETF CGCB	CGCB	72,462	$1.9m0.42%	0.42%	Added +1.5k	+1,548 2.2%
36	CAPITAL GROUP DIVIDEND VALUE SHS CREATION UNI CGDV	CGDV	36,803	$1.8m0.40%	0.40%	Added +2.5k	+2,468 7.2%
37	CAPITAL GROUP CORE EQUITY ET SHS CREATION UNI CGUS	CGUS	39,922	$1.8m0.39%	0.39%	Reduced -70	-70 -0.2%
38	CAPITAL GROUP CONSERVATIVE E SHS CGCV	CGCV	53,477	$1.8m0.39%	0.39%	Reduced -2.1k	-2,147 -3.9%
39	SOUTHERN CO COM SO	SO	18,002	$1.7m0.38%	0.38%	Added +955	+955 5.6%
40	PROCTER AND GAMBLE CO COM PG	PG	11,671	$1.7m0.38%	0.38%	Reduced -140	-140 -1.2%
41	VANGUARD SCOTTSDALE FDS INTER TERM TREAS VGIT	VGIT	28,441	$1.7m0.37%	0.37%	Added +1.0k	+1,042 3.8%
42	CISCO SYS INC COM CSCO	CSCO	14,191	$1.7m0.37%	0.37%	Added +803	+803 6.0%
43	AMAZON COM INC COM AMZN	AMZN	6,835	$1.6m0.36%	0.36%	Added +16	+16 0.2%
44	VANGUARD MUN BD FDS TAX EXEMPT BD VTEB	VTEB	31,968	$1.6m0.36%	0.36%	Added +22.4k	+22,422 234.9%
45	VANGUARD WHITEHALL FDS INTL DVD ETF VIGI	VIGI	16,748	$1.6m0.35%	0.35%	Added +179	+179 1.1%
46	JPMORGAN CHASE & CO COM JPM	JPM	4,622	$1.5m0.34%	0.34%	Added +7	+7 0.1%
47	ISHARES TR CORE S&P MCP ETF IJH	IJH	19,339	$1.5m0.33%	0.33%	Added +31	+31 0.2%
48	PEPSICO INC COM PEP	PEP	10,736	$1.5m0.32%	0.32%	Added +107	+107 1.0%
49	PHILIP MORRIS INTL INC COM PM	PM	7,990	$1.4m0.32%	0.32%	Added +28	+28 0.3%
50	EXXON MOBIL CORP COM XOM	XOM	9,957	$1.4m0.30%	0.30%	Added +272	+272 2.8%
51	CHEVRON CORP NEW COM CVX	CVX	8,057	$1.3m0.30%	0.30%	Added +554	+554 7.4%
52	ISHARES TR SHRT NAT MUN ETF SUB	SUB	12,270	$1.3m0.29%	0.29%	Added +7.8k	+7,763 172.2%
53	VANECK ETF TRUST SEMICONDUCTR ETF SMH	SMH	1,926	$1.3m0.28%	0.28%	Unchanged
54	LINDE PLC SHS LIN	LIN	2,384	$1.2m0.27%	0.27%	Added +229	+229 10.6%
55	FASTENAL CO COM FAST	FAST	24,244	$1.2m0.26%	0.26%	Added +4.0k	+3,986 19.7%
56	VANGUARD ADMIRAL FDS INC 500 GRTH IDX F VOOG	VOOG	14,085	$1.2m0.26%	0.26%	Added +153	+153 1.1%
57	ANALOG DEVICES INC COM ADI	ADI	2,902	$1.2m0.26%	0.26%	Reduced -235	-235 -7.5%
58	HOME DEPOT INC COM HD	HD	3,207	$1.1m0.25%	0.25%	Reduced -77	-77 -2.3%
59	DIMENSIONAL ETF TRUST US SMALL CAP ETF DFAS	DFAS	13,605	$1.1m0.25%	0.25%	Added +23	+23 0.2%
60	ABBVIE INC COM ABBV	ABBV	4,387	$1.1m0.24%	0.24%	Reduced -652	-652 -12.9%
61	CATERPILLAR INC COM CAT	CAT	1,009	$1.1m0.24%	0.24%	Unchanged
62	ALTRIA GROUP INC COM MO	MO	14,868	$1.1m0.24%	0.24%	Added +62	+62 0.4%
63	ALPHABET INC CAP STK CL C GOOG	GOOG	2,878	$1.0m0.23%	0.23%	Added +329	+329 12.9%
64	ENTERGY CORP NEW COM ETR	ETR	8,848	$1.0m0.23%	0.23%	Added +1.2k	+1,231 16.2%
65	BERKSHIRE HATHAWAY INC DEL CL B NEW BRK.B	BRK.B	2,025	$1.0m0.22%	0.22%	Added +43	+43 2.2%
66	CHUBB LIMITED COM CB	CB	2,945	$1.0m0.22%	0.22%	Added +370	+370 14.4%
67	LOCKHEED MARTIN CORP COM LMT	LMT	1,967	$1.0m0.22%	0.22%	Reduced -36	-36 -1.8%
68	JOHNSON & JOHNSON COM JNJ	JNJ	3,919	$995.3k0.22%	0.22%	Reduced -45	-45 -1.1%
69	PARKER-HANNIFIN CORP COM PH	PH	1,007	$985.1k0.22%	0.22%	Unchanged
70	PROGRESSIVE CORP COM PGR	PGR	4,362	$952.9k0.21%	0.21%	Added +286	+286 7.0%
71	SNAP ON INC COM SNA	SNA	2,252	$906.1k0.20%	0.20%	Added +438	+438 24.1%
72	VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT VEA	VEA	11,900	$847.9k0.19%	0.19%	Reduced -740	-740 -5.8%
73	ELI LILLY & CO COM LLY	LLY	705	$846.0k0.19%	0.19%	Reduced -53	-53 -7.0%
74	WEC ENERGY GROUP INC COM WEC	WEC	7,054	$823.6k0.18%	0.18%	Added +999	+999 16.5%
75	NORTHERN TR CORP COM NTRS	NTRS	4,582	$796.5k0.18%	0.18%	Added +585	+585 14.6%
76	CAPITAL GRP FIXED INCM ETF T CORE PLUS INCM CGCP	CGCP	34,642	$772.2k0.17%	0.17%	Added +281	+281 0.8%
77	ISHARES TR S&P 500 GRWT ETF IVW	IVW	5,612	$771.8k0.17%	0.17%	Added +2	+2 0.0%
78	COCA COLA CO COM KO	KO	9,482	$770.6k0.17%	0.17%	Added +1.0k	+1,002 11.8%
79	VANGUARD BD INDEX FDS TOTAL BND MRKT BND	BND	10,416	$764.6k0.17%	0.17%	Reduced -1.4k	-1,377 -11.7%
80	SPDR GOLD TR GOLD SHS GLD	GLD	2,027	$746.7k0.17%	0.17%	Unchanged
81	ISHARES TR MSCI USA ESG SLC SUSA	SUSA	4,602	$710.1k0.16%	0.16%	Added +188	+188 4.3%
82	PAYCHEX INC COM PAYX	PAYX	6,989	$687.2k0.15%	0.15%	Added +808	+808 13.1%
83	NEXTERA ENERGY INC COM NEE	NEE	7,559	$663.4k0.15%	0.15%	Reduced -271	-271 -3.5%
84	KINDER MORGAN INC DEL COM KMI	KMI	20,493	$655.2k0.15%	0.15%	Added +3.2k	+3,208 18.6%
85	ISHARES INC CORE MSCI EMKT IEMG	IEMG	7,887	$653.3k0.14%	0.14%	Added +51	+51 0.7%
86	CIVISTA BANCSHARES INC COM NO PAR CIVB	CIVB	22,877	$645.6k0.14%	0.14%	Unchanged
87	GENERAL DYNAMICS CORP COM GD	GD	1,819	$644.5k0.14%	0.14%	Unchanged
88	VERIZON COMMUNICATIONS INC COM VZ	VZ	15,187	$643.0k0.14%	0.14%	Added +158	+158 1.1%
89	ISHARES TR S&P 500 VAL ETF IVE	IVE	2,651	$601.9k0.13%	0.13%	Added +2	+2 0.1%
90	MASTERCARD INCORPORATED CL A MA	MA	1,153	$592.2k0.13%	0.13%	Added +207	+207 21.9%
91	COLGATE PALMOLIVE CO COM CL	CL	6,416	$588.2k0.13%	0.13%	Added +819	+819 14.6%
92	DIMENSIONAL ETF TRUST US CORE EQUITY 1 US CORE EQUITY 1		6,824	$559.4k0.12%	0.12%	Added +217	+217 3.3%
93	META PLATFORMS INC CL A META	META	988	$556.5k0.12%	0.12%	Added +3	+3 0.3%
94	ILLINOIS TOOL WKS INC COM ITW	ITW	2,024	$547.4k0.12%	0.12%	Added +131	+131 6.9%
95	AMGEN INC COM AMGN	AMGN	1,490	$539.7k0.12%	0.12%	Added +3	+3 0.2%
96	GRACO INC COM GGG	GGG	7,022	$530.9k0.12%	0.12%	Unchanged
97	VANGUARD BD INDEX FDS SHORT TRM BOND BSV	BSV	6,808	$530.4k0.12%	0.12%	Added +176	+176 2.6%
98	NXP SEMICONDUCTORS N V COM NXPI	NXPI	1,819	$511.2k0.11%	0.11%	Added +417	+417 29.7%
99	COSTCO WHSL CORP NEW COM COST	COST	546	$510.4k0.11%	0.11%	Unchanged
100	EDWARDS LIFESCIENCES CORP COM EW	EW	5,567	$503.6k0.11%	0.11%	Reduced -474	-474 -7.8%

Sold out since Q1 2026

Security	Ticker	Shares held before	Value then
ZOETIS INC ZTS	ZTS	2,902	$343.1k2.9k shares
HONEYWELL INTL INC		549	$248.2k549 shares
CHENIERE ENERGY INC LNG	LNG	721	$204.7k721 shares