3 FACTOR INDEXING, LLC

SACRAMENTO, CA · CIK 2135169 · 13F filing filed 2026-07-08

SEC-registered investment adviser since 2017 · limited liability company

Assets managed$193.2m
Staff4 · 2 in investment roles
Main clients (by assets)High net worth individuals 98%, Individuals 2%
Website3factorindexing.com
Form ADV · 2026-03-26SEC adviser record

$118.1m reported value +11.6% vs Q1 2026

438positions

68.2%in top 10

27 new 23 added 52 reduced 42 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	DIMENSIONAL ETF TRUST US CORE EQUITY 2 DFAC	DFAC	534,756	$23.7m20.08%	20.08%	Reduced -1.6k	-1,591 -0.3%
2	VANGUARD BD INDEX FDS SHORT TRM BOND BSV	BSV	139,894	$10.9m9.22%	9.22%	Reduced -24.1k	-24,073 -14.7%
3	AMERICAN CENTY ETF TR US EQT ETF AVUS	AVUS	74,457	$9.5m8.07%	8.07%	Added +8.2k	+8,233 12.4%
4	DIMENSIONAL ETF TRUST US CORE EQT MKT DFAU	DFAU	160,460	$8.3m7.02%	7.02%	Reduced -7.9k	-7,914 -4.7%
5	DIMENSIONAL ETF TRUST CORE FIXED INCOM DFCF	DFCF	166,912	$7.0m5.96%	5.96%	Added +123.0k	+122,981 279.9%
6	DIMENSIONAL ETF TRUST INTL CORE EQT MK DFAI	DFAI	142,494	$5.9m4.97%	4.97%	Reduced -3.0k	-2,965 -2.0%
7	DIMENSIONAL ETF TRUST ULTRASHORT FIXED DUSB	DUSB	97,091	$4.9m4.17%	4.17%	Reduced -30.6k	-30,627 -24.0%
8	AMERICAN CENTY ETF TR AVANTIS EMGMKT AVEM	AVEM	40,030	$3.9m3.27%	3.27%	Reduced -1.4k	-1,377 -3.3%
9	SCHWAB STRATEGIC TR US BRD MKT ETF SCHB	SCHB	119,039	$3.4m2.92%	2.92%	Reduced -601	-601 -0.5%
10	DIMENSIONAL ETF TRUST GLOBAL EX US COR DFGX	DFGX	56,123	$3.0m2.55%	2.55%	Added +6.9k	+6,935 14.1%
11	DIMENSIONAL ETF TRUST US TARGETED VLU DFAT	DFAT	38,183	$2.7m2.26%	2.26%	Added +190	+190 0.5%
12	INVESCO QQQ TR UNIT SER 1 QQQ	QQQ	3,508	$2.6m2.19%	2.19%	Unchanged
13	VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT VEA	VEA	31,953	$2.3m1.93%	1.93%	Added +3.3k	+3,306 11.5%
14	APPLE INC COM AAPL	AAPL	5,570	$1.6m1.36%	1.36%	Added +1	+1 0.0%
15	SPDR S&P 500 ETF TR TR UNIT SPY	SPY	2,101	$1.6m1.33%	1.33%	Reduced -3	-3 -0.1%
16	VANGUARD WHITEHALL FDS HIGH DIV YLD VYM	VYM	9,875	$1.6m1.32%	1.32%	Unchanged
17	VANGUARD INDEX FDS S&P 500 ETF SHS VOO	VOO	1,973	$1.4m1.15%	1.15%	Unchanged
18	ISHARES TR TRS FLT RT BD TFLO	TFLO	25,962	$1.3m1.11%	1.11%	Reduced -9.2k	-9,247 -26.3%
19	MICROSOFT CORP COM MSFT	MSFT	3,243	$1.2m1.02%	1.02%	Unchanged
20	ISHARES TR RUS 1000 GRW ETF IWF	IWF	8,184	$1.0m0.86%	0.86%	Reduced -200	-200 -2.4%
21	DIMENSIONAL ETF TRUST US SUSTAINABILTY DFSU	DFSU	21,112	$984.5k0.83%	0.83%	Reduced -6.0k	-5,985 -22.1%
22	DIMENSIONAL ETF TRUST EMGR CRE EQT MNG DFAE	DFAE	22,574	$907.7k0.77%	0.77%	Added +2.9k	+2,884 14.7%
23	ISHARES TR RUS 1000 VAL ETF IWD	IWD	3,615	$876.4k0.74%	0.74%	Unchanged
24	ISHARES TR RUS 1000 ETF IWB	IWB	2,062	$844.4k0.71%	0.71%	Unchanged
25	VANGUARD INDEX FDS TOTAL STK MKT VTI	VTI	2,140	$791.9k0.67%	0.67%	Unchanged
26	AMERICAN CENTY ETF TR AVANTIS CORE FI AVIG	AVIG	18,476	$765.1k0.65%	0.65%	Unchanged
27	ISHARES TR 3YRTB ETF ISHG	ISHG	10,104	$750.2k0.63%	0.63%	Reduced -96	-96 -0.9%
28	ELI LILLY & CO COM LLY	LLY	572	$686.1k0.58%	0.58%	Unchanged
29	DIMENSIONAL ETF TRUST US EQUITY MARKET DFUS	DFUS	8,098	$663.6k0.56%	0.56%	Added +6.2k	+6,224 332.1%
30	SCHWAB STRATEGIC TR EMRG MKTEQ ETF SCHE	SCHE	17,309	$627.6k0.53%	0.53%	Reduced -517	-517 -2.9%
31	SCHWAB STRATEGIC TR US SML CAP ETF SCHA	SCHA	17,038	$615.6k0.52%	0.52%	Reduced -12.8k	-12,762 -42.8%
32	BERKSHIRE HATHAWAY INC DEL CL B NEW BRK.B	BRK.B	1,206	$603.5k0.51%	0.51%	Unchanged
33	DIMENSIONAL ETF TRUST INTL SMALL CAP V DISV	DISV	13,794	$553.6k0.47%	0.47%	Unchanged
34	SCHWAB STRATEGIC TR INTL EQTY ETF SCHF	SCHF	19,677	$545.1k0.46%	0.46%	Unchanged
35	VANGUARD MUN BD FDS TAX EXEMPT BD VTEB	VTEB	10,315	$521.7k0.44%	0.44%	Unchanged
36	ISHARES TR MSCI EAFE ETF EFA	EFA	4,273	$443.9k0.38%	0.38%	Unchanged
37	ISHARES TR CORE S&P500 ETF IVV	IVV	482	$361.0k0.31%	0.31%	Unchanged
38	BLACKROCK ETF TRUST II ISHARES SHORT-TE CALI	CALI	6,789	$343.1k0.29%	0.29%	Reduced -99	-99 -1.4%
39	ALPHABET INC CAP STK CL C GOOG	GOOG	871	$307.6k0.26%	0.26%	Unchanged
40	DIMENSIONAL ETF TRUST US SMALL CAP ETF DFAS	DFAS	3,578	$294.6k0.25%	0.25%	Reduced -24	-24 -0.7%
41	ISHARES TR CORE S&P MCP ETF IJH	IJH	3,745	$288.8k0.24%	0.24%	Unchanged
42	VANGUARD INDEX FDS SMALL CP ETF VB	VB	946	$286.8k0.24%	0.24%	Unchanged
43	CATERPILLAR INC COM CAT	CAT	267	$284.3k0.24%	0.24%	Unchanged
44	ISHARES TR RUSSELL 2000 ETF IWM	IWM	871	$261.7k0.22%	0.22%	Unchanged
45	PARKER-HANNIFIN CORP COM PH	PH	234	$228.9k0.19%	0.19%	Unchanged
46	DIMENSIONAL ETF TRUST INTERNATNAL VAL DFIV	DFIV	4,083	$220.6k0.19%	0.19%	Unchanged
47	ISHARES TR CORE S&P SCP ETF IJR	IJR	1,395	$206.9k0.18%	0.18%	Unchanged
48	COSTCO WHSL CORP NEW COM COST	COST	221	$206.7k0.17%	0.17%	Unchanged
49	VANGUARD INDEX FDS REAL ESTATE ETF VNQ	VNQ	2,143	$206.7k0.17%	0.17%	Reduced -479	-479 -18.3%
50	ISHARES TR RUS MID CAP ETF IWR	IWR	1,840	$203.0k0.17%	0.17%	Unchanged
51	AMERICAN CENTY ETF TR INTL EQT ETF AVDE	AVDE	2,257	$201.3k0.17%	0.17%	Unchanged
52	VANGUARD BD INDEX FDS INTERMED TERM BIV	BIV	2,589	$198.6k0.17%	0.17%	Reduced -165	-165 -6.0%
53	ISHARES TR CORE MSCI INTL IDEV	IDEV	2,220	$197.6k0.17%	0.17%	Unchanged
54	VANGUARD WELLINGTON FD SHORT TRM TAX EX VTES	VTES	1,868	$189.2k0.16%	0.16%	Unchanged
55	ISHARES TR CORE DIV GRWTH DGRO	DGRO	2,355	$178.5k0.15%	0.15%	Unchanged
56	DIMENSIONAL ETF TRUST CALIF MUN BD ETF DFCA	DFCA	3,380	$169.6k0.14%	0.14%	New
57	GRANITE CONSTR INC COM GVA	GVA	1,055	$166.8k0.14%	0.14%	Unchanged
58	ISHARES TR GLOBAL REIT ETF REET	REET	5,826	$160.9k0.14%	0.14%	Reduced -12.9k	-12,904 -68.9%
59	DIMENSIONAL ETF TRUST US REAL ESTATE E US REAL ESTATE E		6,138	$160.6k0.14%	0.14%	Added +1.2k	+1,179 23.8%
60	SCHWAB STRATEGIC TR US REIT ETF SCHH	SCHH	6,522	$154.4k0.13%	0.13%	Unchanged
61	ISHARES INC MSCI EURZONE ETF EZU	EZU	2,190	$152.2k0.13%	0.13%	Unchanged
62	UNION PAC CORP COM UNP	UNP	500	$136.0k0.12%	0.12%	Unchanged
63	DIMENSIONAL ETF TRUST GLOBAL REAL EST DFGR	DFGR	4,662	$135.1k0.11%	0.11%	Unchanged
64	INTEL CORP COM INTC	INTC	812	$113.4k0.10%	0.10%	Unchanged
65	JOHNSON & JOHNSON COM JNJ	JNJ	420	$106.7k0.09%	0.09%	Unchanged
66	VISA INC COM CL A V	V	304	$104.3k0.09%	0.09%	Added +1	+1 0.3%
67	AMERICAN CENTY ETF TR EMERGING MKT VAL AVES	AVES	1,570	$103.0k0.09%	0.09%	Unchanged
68	ABBVIE INC COM ABBV	ABBV	406	$102.2k0.09%	0.09%	Unchanged
69	SPDR INDEX SHS FDS S&P CHINA ETF GXC	GXC	1,110	$96.0k0.08%	0.08%	Unchanged
70	KKR & CO INC COM KKR	KKR	1,000	$91.8k0.08%	0.08%	Unchanged
71	GRAINGER W W INC COM GWW	GWW	66	$89.8k0.08%	0.08%	Unchanged
72	WASTE MGMT INC DEL COM WM	WM	401	$89.4k0.08%	0.08%	Added +1	+1 0.2%
73	DISNEY WALT CO COM DIS	DIS	916	$88.2k0.07%	0.07%	Reduced -32	-32 -3.4%
74	PROCTER AND GAMBLE CO COM PG	PG	592	$86.8k0.07%	0.07%	Reduced -1	-1 -0.2%
75	META PLATFORMS INC CL A META	META	151	$85.1k0.07%	0.07%	Unchanged
76	PACCAR INC COM PCAR	PCAR	699	$84.0k0.07%	0.07%	Unchanged
77	INCYTE CORP COM INCY	INCY	736	$83.4k0.07%	0.07%	Unchanged
78	CHEVRON CORP NEW COM CVX	CVX	502	$83.2k0.07%	0.07%	Unchanged
79	ALPHABET INC CAP STK CL A GOOGL	GOOGL	222	$79.3k0.07%	0.07%	Unchanged
80	INVESCO EXCHANGE TRADED FD T S&P500 EQL WGT RSP	RSP	366	$77.9k0.07%	0.07%	Unchanged
81	ISHARES TR MSCI UK ETF NEW EWU	EWU	1,623	$74.9k0.06%	0.06%	Unchanged
82	STATE STR CORP COM STT	STT	435	$73.8k0.06%	0.06%	Unchanged
83	AMGEN INC COM AMGN	AMGN	201	$72.8k0.06%	0.06%	Unchanged
84	CISCO SYS INC COM CSCO	CSCO	614	$72.1k0.06%	0.06%	Unchanged
85	INTERNATIONAL BUSINESS MACHS COM IBM	IBM	256	$72.0k0.06%	0.06%	Unchanged
86	ISHARES INC MSCI PAC JP ETF EPP	EPP	1,325	$70.6k0.06%	0.06%	Unchanged
87	ISHARES INC MSCI JPN ETF NEW EWJ	EWJ	643	$60.0k0.05%	0.05%	Unchanged
88	WELLS FARGO CO NEW COM WFC	WFC	710	$58.7k0.05%	0.05%	Unchanged
89	PENSKE AUTOMOTIVE GRP INC COM PAG	PAG	325	$58.2k0.05%	0.05%	Unchanged
90	BANK AMERICA CORP COM BAC	BAC	1,006	$57.3k0.05%	0.05%	Unchanged
91	ISHARES TR S&P 100 ETF OEF	OEF	118	$43.2k0.04%	0.04%	Unchanged
92	NXP SEMICONDUCTORS N V COM NXPI	NXPI	147	$41.3k0.03%	0.03%	Unchanged
93	TESLA INC COM TSLA	TSLA	98	$41.2k0.03%	0.03%	Unchanged
94	MERCK & CO INC COM MRK	MRK	312	$40.1k0.03%	0.03%	Unchanged
95	MARRIOTT INTL INC NEW CL A MAR	MAR	102	$37.8k0.03%	0.03%	Unchanged
96	WISDOMTREE TR INTL SMCAP DIV DLS	DLS	448	$37.5k0.03%	0.03%	Unchanged
97	ABBOTT LABS COM ABT	ABT	406	$36.8k0.03%	0.03%	Added +1	+1 0.2%
98	PEPSICO INC COM PEP	PEP	270	$36.6k0.03%	0.03%	Unchanged
99	SPDR SER TR BLOOMBERG 1-3 MO BIL	BIL	397	$36.4k0.03%	0.03%	Unchanged
100	ISHARES TR BLACKROCK ULTRA ICSH	ICSH	691	$35.0k0.03%	0.03%	Added +7	+7 1.0%

Sold out since Q1 2026

Security	Ticker	Shares held before	Value then
SCHWAB STRATEGIC TR SCHP	SCHP	1,770	$47.1k1.8k shares
SPDR INDEX SHS FDS SPEM	SPEM	325	$15.2k325 shares
COURSERA INC COUR	COUR	1,500	$8.7k1.5k shares
AMERICAN CENTY ETF TR AVSC	AVSC	28	$1.7k28 shares
LOWES COS INC LOW	LOW	2	$4732 shares
INTUIT INTU	INTU	1	$4331 shares
ROPER TECHNOLOGIES INC ROP	ROP	1	$3541 shares
KYNDRYL HLDGS INC KD	KD	26	$34226 shares
STRYKER CORPORATION SYK	SYK	1	$3291 shares
ADOBE INC ADBE	ADBE	1	$2441 shares
INGERSOLL RAND INC IR	IR	3	$2413 shares
GALLAGHER ARTHUR J & CO AJG	AJG	1	$2171 shares
INSULET CORP PODD	PODD	1	$2101 shares
VERISK ANALYTICS INC VRSK	VRSK	1	$1901 shares
TEXTRON INC TXT	TXT	2	$1762 shares
COINBASE GLOBAL INC COIN	COIN	1	$1751 shares
MARSH & MCLENNAN COS INC MRSH	MRSH	1	$1741 shares
CINTAS CORP CTAS	CTAS	1	$1701 shares
CARNIVAL CORP		6	$1566 shares
PTC INC PTC	PTC	1	$1431 shares
INTERNATIONAL PAPER CO IP	IP	4	$1434 shares
DUPONT DE NEMOURS INC DWDP	DWDP	1	$1381 shares
AMERICAN WTR WKS CO INC NEW AWK	AWK	1	$1371 shares
TRIMBLE INC TRMB	TRMB	2	$1312 shares
BOSTON SCIENTIFIC CORP BSX	BSX	2	$1262 shares