Koss-Olinger Consulting, LLC
Annual return '25
+19.9%
SPY '25
+17.7%
Alpha
+2.2ptsvs SPY
Invested
$1.2B
Holdings
253
Trades YTD
0
Performance · Fund vs SPY
Cumulative return · quarterly snapshotsCoverage 100%. 4 quarters of 2025 measured against SPY adj-close benchmark.
Top holdings · current snapshot
Source: 13F-HR01
$SCHX
SCHWAB U.S. LARGE-CAP ETF
Q4 2025: Increased +6.2% (9.41M → 10.00M shares)
22.5%
02
$BOND
PIMCO ACTIVE BOND EXCHANGE-TRADED FUND
Q4 2025: Increased +100.5% (656.3k → 1.32M shares)
9.8%
03
$AGG
ISHARES CORE U.S. AGGREGATE BOND ETF
Q4 2025: Increased +111.5% (332.5k → 703.4k shares)
6.9%
04
$ACWX
ISHARES MSCI ACWI EX U.S. ETF
Held since at least Q1 2024
6.9%
05
$SPMD
STATE STREET SPDR PORTFOLIO S&P 400 MID CAP ETF
Q4 2025: Increased +2.0% (867.3k → 884.4k shares)
5.3%
06
$JPSE
JPMORGAN DIVERSIFIED RETURN U.S. SMALL CAP EQUITY ETF
Q4 2025: Sold 0.5% (1.24M → 1.23M shares)
4.5%
07
$USHY
ISHARES BROAD USD HIGH YIELD CORPORATE BOND ETF
Q4 2025: Increased +22.4% (1.21M → 1.48M shares)
3.9%
08
$SPEM
STATE STREET SPDR PORTFOLIO EMERGING MARKETS ETF
Q3 2025: Sold 0.6% (810.3k → 805.1k shares)
2.9%
09
$BLV
VANGUARD LONG-TERM BOND ETF
Q4 2025: Sold 34.1% (622.7k → 410.2k shares)
2.2%
10
$EFIV
STATE STREET SPDR S&P 500 ESG ETF
Q4 2025: Sold 1.3% (414.1k → 408.8k shares)
2.2%
Recent trades · Last 90 days
No Form 4 / 13D / 13G trade events on file in the recent window. 13F filers report position snapshots quarterly rather than per-trade events, so this section is most useful for managers who also file Form 4 or 13D/G.
Convergence · Pattern Engine ships in v1.1
30-day windowIn development
Convergence participation lands with the Pattern Engine.
Once the Pattern Engine ships, this section will list every active convergence event this fund is named in — with the other named funds, the Congress members on the same name, and combined position size.
Source data: SEC EDGAR · 13F-HR filings · Performance through 2025-12-31 · Last refreshed 10:26 UTC.