FinDec Wealth Services, Inc.

Stockton, CA · CIK 1916066 · 13F filing filed 2026-08-06

SEC-registered investment adviser since 2021 · corporation

Assets managed$627.9m
Staff5 · 3 in investment roles
Main clients (by assets)Pension plans 78%, High net worth individuals 10%, Individuals 9%
Websitefindec.com
Form ADV · 2026-03-23SEC adviser record

Kindinstitutions
Others nearbyStockton, CA

$84.6m reported value +3.5% vs Q1 2026

32positions

87.1%in top 10

4 new 4 added 23 reduced 2 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	CAPITAL GRP FIXED INCM ETF T CORE PLUS INCM CGCP	CGCP	676,714	$15.1m17.82%	17.82%	Added +32.2k	+32,192 5.0%
2	SCHWAB STRATEGIC TR US LCAP GR ETF SCHG	SCHG	334,533	$11.3m13.37%	13.37%	Reduced -34.8k	-34,761 -9.4%
3	DIMENSIONAL ETF TRUST US LARGE CAP VAL DFLV	DFLV	276,532	$10.9m12.92%	12.92%	Reduced -8.5k	-8,495 -3.0%
4	DIMENSIONAL ETF TRUST US CORE EQT MKT DFAU	DFAU	202,390	$10.5m12.36%	12.36%	Reduced -12.3k	-12,272 -5.7%
5	DIMENSIONAL ETF TRUST INTL CORE EQT MK DFAI	DFAI	173,603	$7.2m8.46%	8.46%	Reduced -9.6k	-9,560 -5.2%
6	DIMENSIONAL ETF TRUST CORE FIXED INCOM DFCF	DFCF	126,375	$5.3m6.30%	6.30%	Added +18.6k	+18,627 17.3%
7	VANGUARD INDEX FDS MID CAP ETF VO	VO	55,531	$4.5m5.29%	5.29%	Reduced -2.4k	-2,373 -4.1%
8	VANGUARD INDEX FDS SMALL CP ETF VB	VB	14,205	$4.3m5.09%	5.09%	Reduced -789	-789 -5.3%
9	VANGUARD INDEX FDS TOTAL STK MKT VTI	VTI	6,905	$2.6m3.02%	3.02%	Reduced -499	-499 -6.7%
10	DIMENSIONAL ETF TRUST EMGR CRE EQT MNG DFAE	DFAE	53,004	$2.1m2.52%	2.52%	Reduced -8.8k	-8,829 -14.3%
11	SCHWAB STRATEGIC TR INTL EQTY ETF SCHF	SCHF	71,239	$2.0m2.33%	2.33%	Reduced -309	-309 -0.4%
12	VANGUARD BD INDEX FDS INTERMED TERM BIV	BIV	17,133	$1.3m1.55%	1.55%	Added +1.4k	+1,401 8.9%
13	SCHWAB STRATEGIC TR EMRG MKTEQ ETF SCHE	SCHE	27,593	$1.0m1.18%	1.18%	Reduced -1.4k	-1,424 -4.9%
14	VANGUARD INDEX FDS S&P 500 ETF SHS VOO	VOO	973	$668.2k0.79%	0.79%	Reduced -35	-35 -3.5%
15	APPLE INC COM AAPL	AAPL	2,199	$636.4k0.75%	0.75%	Reduced -6.1k	-6,136 -73.6%
16	CAPITAL GROUP DIVIDEND VALUE SHS CREATION UNI CGDV	CGDV	10,823	$533.3k0.63%	0.63%	Reduced -1.2k	-1,172 -9.8%
17	NVIDIA CORPORATION COM NVDA	NVDA	2,570	$514.3k0.61%	0.61%	Reduced -196	-196 -7.1%
18	PEPSICO INC COM PEP	PEP	3,608	$488.5k0.58%	0.58%	Unchanged
19	ISHARES TR U.S. MED DVC ETF IHI	IHI	9,109	$450.1k0.53%	0.53%	Reduced -203	-203 -2.2%
20	TESLA INC COM TSLA	TSLA	924	$388.6k0.46%	0.46%	Added +23	+23 2.5%
21	DIMENSIONAL ETF TRUST US TARGETED VLU DFAT	DFAT	5,132	$358.7k0.42%	0.42%	Reduced -11	-11 -0.2%
22	SCHWAB STRATEGIC TR US LRG CAP ETF SCHX	SCHX	11,071	$325.8k0.38%	0.38%	Reduced -959	-959 -8.0%
23	DIMENSIONAL ETF TRUST INTERNATNAL VAL DFIV	DFIV	5,432	$293.4k0.35%	0.35%	Reduced -46	-46 -0.8%
24	CAPITAL GROUP GROWTH ETF SHS CREATION UNI CGGR	CGGR	5,645	$266.4k0.31%	0.31%	Reduced -286	-286 -4.8%
25	CAPITAL GROUP GBL GROWTH EQT SHS CREATION UNI CGGO	CGGO	6,001	$254.0k0.30%	0.30%	Reduced -280	-280 -4.5%
26	CAPITAL GROUP CORE EQUITY ET SHS CREATION UNI CGUS	CGUS	5,410	$240.6k0.28%	0.28%	Reduced -22	-22 -0.4%
27	PUBLIC STORAGE COM PSA	PSA	729	$232.0k0.27%	0.27%	New
28	DIMENSIONAL ETF TRUST SHORT DURATION F DFSD	DFSD	4,820	$230.2k0.27%	0.27%	Reduced -16	-16 -0.3%
29	INVESCO QQQ TR UNIT SER 1 QQQ	QQQ	288	$212.0k0.25%	0.25%	New
30	DIMENSIONAL ETF TRUST US SMALL CAP ETF DFAS	DFAS	2,495	$205.4k0.24%	0.24%	Reduced -469	-469 -15.8%
31	ALPHABET INC CAP STK CL C GOOG	GOOG	578	$204.2k0.24%	0.24%	New
32	SOUNDHOUND AI INC CLASS A COM SOUN	SOUN	15,000	$97.0k0.11%	0.11%	New

Sold out since Q1 2026

Security	Ticker	Shares held before	Value then
BERKSHIRE HATHAWAY INC DEL BRK.A	BRK.A	2	$1.4m2 shares
CARDIFF ONCOLOGY INC CRDF	CRDF	16,000	$25.9k16.0k shares