Downshift Financial, LLC

BOULDER, CO · CIK 2118380 · 13F filing filed 2026-08-13

SEC-registered investment adviser since 2024 · limited liability company

Assets managed$214.7m
Staff3 · 3 in investment roles
Main clients (by assets)High net worth individuals 100%
Websitedownshiftfinancial.com
Form ADV · 2026-06-29SEC adviser record

$220.3m reported value +14.1% vs Q1 2026

660positions

63.1%in top 10

585 new 21 added 27 reduced 2 sold out vs Q1 2026

Options: 5 call positions ($213.1k notional), 3 put positions ($2.2m notional) – listed below, not included above.

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	SCHWAB STRATEGIC TR US BRD MKT ETF SCHB	SCHB	908,685	$26.3m11.94%	11.94%	Added +207.9k	+207,890 29.7%
2	SCHWAB STRATEGIC TR INTL EQTY ETF SCHF	SCHF	804,823	$22.3m10.12%	10.12%	Added +61.6k	+61,620 8.3%
3	VANGUARD INDEX FDS TOTAL STK MKT VTI	VTI	51,044	$18.9m8.57%	8.57%	Added +1.8k	+1,800 3.7%
4	SCHWAB STRATEGIC TR INT-TRM U.S TRES SCHR	SCHR	726,438	$17.9m8.13%	8.13%	Added +48.0k	+47,957 7.1%
5	SCHWAB STRATEGIC TR US LRG CAP ETF SCHX	SCHX	555,541	$16.3m7.42%	7.42%	Reduced -105.0k	-104,961 -15.9%
6	VANGUARD INDEX FDS LARGE CAP ETF VV	VV	31,347	$10.8m4.89%	4.89%	Added +25	+25 0.1%
7	VANGUARD STAR FDS VG TL INTL STK F VXUS	VXUS	110,746	$9.5m4.30%	4.30%	Added +4.1k	+4,089 3.8%
8	SCHWAB STRATEGIC TR US MID-CAP ETF SCHM	SCHM	159,804	$5.9m2.67%	2.67%	Reduced -34.8k	-34,790 -17.9%
9	SPDR SERIES TRUST PORTFOLIO S&P500 SPYM	SPYM	65,506	$5.8m2.61%	2.61%	Added +1.5k	+1,488 2.3%
10	VANGUARD SCOTTSDALE FDS INTER TERM TREAS VGIT	VGIT	91,481	$5.4m2.45%	2.45%	Reduced -19.3k	-19,318 -17.4%
11	ISHARES TR CORE MSCI TOTAL IXUS	IXUS	51,274	$4.9m2.22%	2.22%	Added +707	+707 1.4%
12	SPDR SER TR PORTFLI INTRMDIT SPTI	SPTI	158,490	$4.5m2.04%	2.04%	Added +59.3k	+59,280 59.8%
13	SPDR INDEX SHS FDS PORTFOLIO DEVLPD SPDW	SPDW	80,647	$4.1m1.84%	1.84%	Added +2.8k	+2,810 3.6%
14	SCHWAB STRATEGIC TR US LCAP GR ETF SCHG	SCHG	106,320	$3.6m1.63%	1.63%	Reduced -300	-300 -0.3%
15	VANGUARD INDEX FDS MID CAP ETF VO	VO	43,857	$3.5m1.60%	1.60%	Reduced -131.4k	-131,419 -75.0%
16	SCHWAB STRATEGIC TR US SML CAP ETF SCHA	SCHA	96,403	$3.5m1.58%	1.58%	Reduced -17.9k	-17,926 -15.7%
17	VANGUARD INDEX FDS S&P 500 ETF SHS VOO	VOO	4,924	$3.4m1.53%	1.53%	Reduced -87	-87 -1.7%
18	NVIDIA CORPORATION COM NVDA	NVDA	12,875	$2.6m1.17%	1.17%	Unchanged
19	ISHARES TR CORE S&P500 ETF IVV	IVV	3,343	$2.5m1.14%	1.14%	Added +8	+8 0.2%
20	VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT VEA	VEA	34,709	$2.5m1.12%	1.12%	Reduced -1.1k	-1,079 -3.0%
21	EA SERIES TRUST ALPHA ARCHITECT AAUA	AAUA	35,307	$2.0m0.91%	0.91%	New
22	SPDR SERIES TRUST PORTFOLIO S&P400 SPMD	SPMD	28,928	$2.0m0.89%	0.89%	Added +593	+593 2.1%
23	VANGUARD INDEX FDS SMALL CP ETF VB	VB	6,187	$1.9m0.85%	0.85%	Reduced -47	-47 -0.8%
24	VANGUARD INTL EQUITY INDEX F TT WRLD ST ETF VT	VT	11,468	$1.8m0.82%	0.82%	New
25	VANGUARD INDEX FDS VALUE ETF VTV	VTV	6,053	$1.3m0.60%	0.60%	Added +21	+21 0.3%
26	VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF VWO	VWO	18,282	$1.1m0.50%	0.50%	Reduced -246	-246 -1.3%
27	ISHARES TR CORE S&P TTL STK ITOT	ITOT	6,298	$1.0m0.47%	0.47%	Added +2	+2 0.0%
28	SPDR SER TR PORTFOLIO SH TSR SPTS	SPTS	32,799	$951.5k0.43%	0.43%	Unchanged
29	SPDR SER TR PORTFOLIO S&P600 SPSM	SPSM	16,427	$947.4k0.43%	0.43%	Reduced -224	-224 -1.4%
30	VANGUARD INDEX FDS GROWTH ETF VUG	VUG	10,712	$922.7k0.42%	0.42%	Reduced -50.2k	-50,236 -82.4%
31	VANGUARD SCOTTSDALE FDS VNG RUS1000IDX VONE	VONE	2,633	$891.9k0.40%	0.40%	Unchanged
32	SCHWAB STRATEGIC TR SHT TM US TRES SCHO	SCHO	36,519	$881.6k0.40%	0.40%	Added +984	+984 2.8%
33	VANGUARD INDEX FDS SM CP VAL ETF VBR	VBR	3,106	$754.8k0.34%	0.34%	Added +9	+9 0.3%
34	SCHWAB STRATEGIC TR FUNDAMENTAL INTL FNDF	FNDF	13,720	$723.9k0.33%	0.33%	Added +5	+5 0.0%
35	SCHWAB STRATEGIC TR LONG TERM US SCHQ	SCHQ	23,079	$722.4k0.33%	0.33%	Added +2.0k	+2,031 9.7%
36	ISHARES TR NATIONAL MUN ETF MUB	MUB	6,362	$684.7k0.31%	0.31%	Unchanged
37	ISHARES TR US TREAS BD ETF GOVT	GOVT	27,389	$623.9k0.28%	0.28%	Reduced -611	-611 -2.2%
38	ALPHABET INC CAP STK CL A GOOGL	GOOGL	1,732	$619.0k0.28%	0.28%	Unchanged
39	APPLE INC COM AAPL	AAPL	2,113	$611.3k0.28%	0.28%	Unchanged
40	ALPHABET INC CAP STK CL C GOOG	GOOG	1,671	$590.4k0.27%	0.27%	Reduced -251	-251 -13.1%
41	BALL CORP COM BALL	BALL	9,265	$578.1k0.26%	0.26%	Unchanged
42	SCHWAB STRATEGIC TR US DIVIDEND EQ SCHD	SCHD	17,896	$567.5k0.26%	0.26%	Reduced -78	-78 -0.4%
43	ISHARES TR CORE S&P MCP ETF IJH	IJH	7,074	$545.5k0.25%	0.25%	Reduced -12	-12 -0.2%
44	CREDO TECHNOLOGY GROUP HOLDI ORDINARY SHARES CRDO	CRDO	2,000	$543.9k0.25%	0.25%	Unchanged
45	SCHWAB STRATEGIC TR US AGGREGATE B SCHZ	SCHZ	22,873	$529.1k0.24%	0.24%	Unchanged
46	VANGUARD WORLD FD ESG US STK ETF ESGV	ESGV	3,786	$500.7k0.23%	0.23%	Added +8	+8 0.2%
47	ISHARES TR CORE MSCI EAFE IEFA	IEFA	4,989	$481.8k0.22%	0.22%	Unchanged
48	TESLA INC COM TSLA	TSLA	1,104	$464.3k0.21%	0.21%	Unchanged
49	ISHARES TR CORE S&P SCP ETF IJR	IJR	3,003	$445.3k0.20%	0.20%	Reduced -5	-5 -0.2%
50	INVESCO QQQ TR UNIT SER 1 QQQ	QQQ	595	$438.0k0.20%	0.20%	Unchanged
51	VANGUARD INDEX FDS EXTEND MKT ETF VXF	VXF	1,734	$426.9k0.19%	0.19%	Reduced -120	-120 -6.5%
52	SPDR S&P 500 ETF TR TR UNIT SPY	SPY	566	$422.5k0.19%	0.19%	Unchanged
53	SCHWAB STRATEGIC TR US TIPS ETF SCHP	SCHP	15,174	$402.1k0.18%	0.18%	Unchanged
54	ISHARES TR MSCI EAFE ETF EFA	EFA	3,831	$398.0k0.18%	0.18%	Unchanged
55	ISHARES INC CORE MSCI EMKT IEMG	IEMG	4,779	$395.9k0.18%	0.18%	Unchanged
56	BERKSHIRE HATHAWAY INC DEL CL B NEW BRK.B	BRK.B	786	$393.3k0.18%	0.18%	Unchanged
57	VANGUARD SPECIALIZED FUNDS DIV APP ETF VIG	VIG	1,654	$391.4k0.18%	0.18%	Unchanged
58	MICROSOFT CORP COM MSFT	MSFT	1,001	$373.4k0.17%	0.17%	Reduced -151	-151 -13.1%
59	VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD VCSH	VCSH	4,677	$369.6k0.17%	0.17%	Unchanged
60	AMAZON COM INC COM AMZN	AMZN	1,547	$368.7k0.17%	0.17%	Unchanged
61	ISHARES TR RUSSELL 2000 ETF IWM	IWM	1,186	$356.3k0.16%	0.16%	Unchanged
62	ISHARES TR ISHS 1-5YR INVS IGSB	IGSB	6,791	$355.9k0.16%	0.16%	Unchanged
63	NORFOLK SOUTHN CORP COM NSC	NSC	1,047	$329.4k0.15%	0.15%	Unchanged
64	SCHWAB STRATEGIC TR EMRG MKTEQ ETF SCHE	SCHE	8,692	$315.2k0.14%	0.14%	Added +10	+10 0.1%
65	SCHWAB STRATEGIC TR US REIT ETF SCHH	SCHH	12,375	$293.0k0.13%	0.13%	Reduced -326	-326 -2.6%
66	VANGUARD WORLD FD INF TECH ETF VGT	VGT	2,447	$292.5k0.13%	0.13%	Reduced -17.1k	-17,129 -87.5%
67	VANGUARD WHITEHALL FDS EM MK GOV BD ETF VWOB	VWOB	4,310	$289.8k0.13%	0.13%	Reduced -54	-54 -1.2%
68	COSTCO WHSL CORP NEW COM COST	COST	306	$286.5k0.13%	0.13%	Unchanged
69	INVESCO ACTVELY MNGD ETC FD OPTIMUM YIELD PDBC	PDBC	15,685	$249.1k0.11%	0.11%	Unchanged
70	GOLDMAN SACHS GROUP INC COM GS	GS	223	$225.3k0.10%	0.10%	Added +1	+1 0.5%
71	ISHARES TR MSCI EMG MKT ETF EEM	EEM	3,278	$224.2k0.10%	0.10%	Unchanged
72	INTERNATIONAL BUSINESS MACHS COM IBM	IBM	791	$222.4k0.10%	0.10%	New
73	VANGUARD MUN BD FDS TAX EXEMPT BD VTEB	VTEB	4,338	$219.4k0.10%	0.10%	Reduced -331	-331 -7.1%
74	RTX CORPORATION COM RTX	RTX	1,134	$215.2k0.10%	0.10%	New
75	VANGUARD WORLD FD ESG INTL STK ETF VSGX	VSGX	2,584	$212.8k0.10%	0.10%	New
76	TAIWAN SEMICONDUCTOR MFG LTD SPONSORED ADS TSM	TSM	433	$206.8k0.09%	0.09%	New
77	ISHARES TR RUS 1000 ETF IWB	IWB	502	$205.6k0.09%	0.09%	New
78	ISHARES TR MSCI USA QLT FCT QUAL	QUAL	926	$203.2k0.09%	0.09%	New
79	CATERPILLAR INC COM CAT	CAT	182	$193.8k0.09%	0.09%	New
80	VANGUARD BD INDEX FDS TOTAL BND MRKT BND	BND	2,631	$193.1k0.09%	0.09%	Reduced -2.1k	-2,112 -44.5%
81	ISHARES TR S&P 500 GRWT ETF IVW	IVW	1,384	$190.3k0.09%	0.09%	New
82	JPMORGAN CHASE & CO COM JPM	JPM	566	$185.3k0.08%	0.08%	New
83	ISHARES TR IBOXX HI YD ETF HYG	HYG	2,235	$178.7k0.08%	0.08%	New
84	VANGUARD INSTL INDEX FD 0-3 MO TREAS BIL VBIL	VBIL	2,350	$177.8k0.08%	0.08%	New
85	FISERV INC COM FISV	FISV	3,309	$162.3k0.07%	0.07%	Unchanged
86	VANGUARD INDEX FDS MCAP VL IDXVIP VOE	VOE	817	$161.4k0.07%	0.07%	New
87	VANGUARD WHITEHALL FDS INTL HIGH ETF VYMI	VYMI	1,641	$161.1k0.07%	0.07%	New
88	VANGUARD WORLD FD MEGA GRWTH IND MGK	MGK	1,791	$157.5k0.07%	0.07%	New
89	NEXTERA ENERGY INC COM NEE	NEE	1,619	$142.1k0.06%	0.06%	New
90	BROADCOM INC COM AVGO	AVGO	367	$138.6k0.06%	0.06%	New
91	ISHARES TR ESG AWR MSCI USA ESGU	ESGU	847	$138.6k0.06%	0.06%	New
92	SELECT SECTOR SPDR TR FINANCIAL XLF	XLF	2,493	$133.7k0.06%	0.06%	New
93	SPDR SERIES TRUST PORTFOLI S&P1500 SPTM	SPTM	1,435	$130.3k0.06%	0.06%	New
94	VANGUARD INDEX FDS REAL ESTATE ETF VNQ	VNQ	1,327	$128.0k0.06%	0.06%	Reduced -72	-72 -5.2%
95	SPDR SER TR PRTFLO S&P500 HI SPYD	SPYD	2,634	$125.7k0.06%	0.06%	New
96	SELECT SECTOR SPDR TR INDL XLI	XLI	668	$123.7k0.06%	0.06%	New
97	SCHWAB STRATEGIC TR INTERNL DIVID SCHY	SCHY	3,848	$122.1k0.06%	0.06%	New
98	ISHARES TR GRWT ALLOCAT ETF AOR	AOR	1,754	$121.9k0.06%	0.06%	New
99	ISHARES TR 0-3 MNTH TREASRY SGOV	SGOV	1,202	$121.0k0.05%	0.05%	Reduced -3.4k	-3,416 -74.0%
100	TAKE-TWO INTERACTIVE SOFTWAR COM TTWO	TTWO	476	$119.0k0.05%	0.05%	New

Sold out since Q1 2026

Security	Ticker	Shares held before	Value then
EA SERIES TRUST AAUS	AAUS	35,307	$1.9m35.3k shares
ISHARES TR IBMO	IBMO	11,032	$283.0k11.0k shares

Options (notional value)

Underlying	Ticker	Type	Shares controlled	Notional	Change
NVIDIA CORPORATION NVDA · Put	NVDA	Put	8,300	$1.7m8.3k shares	New
TESLA INC TSLA · Put	TSLA	Put	1,000	$420.6k1.0k shares	New
RTX CORPORATION RTX · Put	RTX	Put	500	$94.9k500 shares	New
PALANTIR TECHNOLOGIES INC PLTR · Call	PLTR	Call	600	$70.0k600 shares	New
TAKE-TWO INTERACTIVE SOFTWAR TTWO · Call	TTWO	Call	200	$50.0k200 shares	New
ECHOSTAR CORP ECHO · Call	ECHO	Call	400	$40.6k400 shares	New
ON SEMICONDUCTOR CORP ON · Call	ON	Call	400	$37.8k400 shares	New
SUPER MICRO COMPUTER INC SMCI · Call	SMCI	Call	500	$14.7k500 shares	New