GUIDEDMONEY, LLC - Filing for Period Ending 12/31/2025

Why It Matters

The filing highlights GuidedMoney’s reliance on a concentrated, passive ETF strategy, underscoring how advisory firms are leveraging low‑cost index products to serve clients at scale. This concentration raises portfolio risk considerations for both the firm and its 88 clients.

Key Takeaways

• AUM exceeds $179 million with 88 advisory clients.
• 13F holdings concentrated 93.9% in top five ETFs.
• VTI alone accounts for nearly 40% of portfolio.
• Firm follows passive strategy, using index ETFs for core exposure.
• No turnover reported; new positions added without any sales.

Pulse Analysis

GuidedMoney, LLC’s latest 13F filing illustrates the growing prominence of passive investment vehicles among mid‑size advisory firms. With $187 million in managed securities, the firm’s portfolio is dominated by a handful of Vanguard and iShares ETFs, reflecting a deliberate tilt toward broad market exposure while minimizing active security selection costs. This approach aligns with the firm’s fiduciary mandate, allowing it to meet client objectives through low‑fee, diversified instruments without compromising the advisory fee model.

The concentration of nearly 94% in the top ten holdings, driven primarily by VTI and BND, signals both efficiency and risk. While index ETFs provide cost‑effective market coverage, such a narrow core can amplify exposure to sector or market‑wide shocks. Industry analysts note that advisors adopting similar high‑concentration passive strategies must balance cost advantages against potential drawdowns, especially in volatile environments. The absence of turnover suggests a long‑term hold philosophy, which may appeal to retirement‑plan sponsors seeking stability.

From a regulatory perspective, GuidedMoney’s non‑discretionary framework coupled with its passive tilt underscores the importance of transparent fee structures and clear client communication. As the SEC continues to scrutinize 13F disclosures for accuracy, firms like GuidedMoney must ensure that their reported holdings accurately reflect client‑level allocations. Looking ahead, the firm may diversify its ETF mix or incorporate selective active positions to mitigate concentration risk, a trend that could reshape advisory practices across the sector.