Cypress Financial Planning Reveals $328M Q3 Portfolio in 13F Filing
CYPRESS FINANCIAL PLANNING LLC
Filing Summary
Cypress Financial Planning Reveals $328M Q3 Portfolio
Filer: CYPRESS FINANCIAL PLANNING LLC Form: 13F-HR | Filed: 2025-10-09 Significance: Medium
Portfolio Overview (as of 2025-09-30): • Total Value: $328,058,837 • Number of Holdings: 89
Top 5 Holdings:
- Vanguard Int-Term Corp Bond ETF: $36.1M
- iShares Core S&P 500 ETF: $34.0M
- Vanguard Short-Term Corp Bond ETF: $27.2M
- Vanguard FTSE Developed Markets ETF: $27.1M
- Vanguard Real Estate ETF: $23.7M
Key Insight: The filing reveals a heavily diversified portfolio with a strong emphasis on broad-market and fixed-income ETFs, suggesting a balanced, long-term investment strategy for its clients.
This is PUBLIC SEC data for educational purposes. Not investment advice.
Comprehensive Analysis
SEC Filing Analysis: CYPRESS FINANCIAL PLANNING LLC
Executive Summary
- Trading Significance: Medium
- Key Takeaway: CYPRESS FINANCIAL PLANNING LLC has filed its quarterly Form 13F-HR, disclosing $328.1 million in assets under management across 89 positions as of September 30, 2025. The portfolio is heavily weighted towards diversified, low-cost ETFs, particularly in fixed income and broad equity markets.
- Market Impact: The filing provides insight into the strategy of a mid-sized investment manager but is unlikely to have a direct impact on the market or the individual securities listed due to the passive and diversified nature of the largest holdings.
Filer Information
| Field | Value |
|---|---|
| Filer Name | CYPRESS FINANCIAL PLANNING LLC |
| Ticker Symbol | null |
| CIK | 0001937021 |
| Type | Investment Manager |
Filing Details
| Field | Value |
|---|---|
| Form Type | 13F-HR (Holdings Report) |
| Filing Date | 2025-10-09 |
| Period of Report | 2025-09-30 |
| Total Portfolio Value | $328,058,837 |
| Number of Holdings | 89 |
Portfolio Analysis
This Form 13F-HR is a mandatory quarterly report for institutional investment managers and details their long positions. It is a snapshot of holdings and not a record of individual buy/sell transactions.
Top 10 Holdings by Value
| Issuer | Security | Value (USD) |
|---|---|---|
| VANGUARD SCOTTSDALE FDS | INT-TERM CORP | $36,082,254 |
| ISHARES TR | CORE S&P500 ETF | $34,010,987 |
| VANGUARD SCOTTSDALE FDS | SHRT TRM CORP BD | $27,222,494 |
| VANGUARD TAX-MANAGED FDS | VAN FTSE DEV MKT | $27,116,144 |
| VANGUARD INDEX FDS | REAL ESTATE ETF | $23,678,810 |
| VANGUARD INDEX FDS | EXTEND MKT ETF | $23,495,537 |
| VANECK ETF TRUST | FALLEN ANGEL HG | $13,067,554 |
| ISHARES TR | CORE DIV GRWTH | $13,344,252 |
| VANGUARD INTL EQUITY INDEX F | FTSE EMR MKT ETF | $9,751,724 |
| ISHARES TR | CORE MSCI EAFE | $9,314,667 |
Portfolio Composition Insights
- Dominance of ETFs: The top holdings are almost exclusively Exchange-Traded Funds (ETFs), indicating a strategy focused on broad diversification, low costs, and passive management.
- Fixed Income Focus: Three of the top five holdings, representing over $90 million, are in corporate bond ETFs (intermediate and short-term). This suggests a significant allocation to capital preservation and income generation.
- Global Diversification: The portfolio includes substantial positions in developed international markets (VEA, IEFA) and emerging markets (VWO, IEMG), highlighting a global investment approach.
- Limited Single-Stock Exposure: The largest individual stock position is Morgan Stanley at ~$6.0M, which is small relative to the total portfolio value. This reinforces the theme of diversification and risk management over high-conviction single-name bets.
Investment Strategy Assessment
Inferred Strategy
- Core-Satellite Approach: The large positions in broad market ETFs (IVV, VTI) likely form the 'core' of the portfolio, with smaller positions in individual stocks or thematic ETFs acting as 'satellites'.
- Balanced / Conservative Growth: The heavy allocation to fixed income alongside broad equity suggests a balanced risk profile, suitable for clients seeking steady growth without excessive volatility.
- Tax-Aware Investing: The presence of tax-managed funds (e.g., Vanguard Tax-Managed FTSE) indicates a focus on tax efficiency for clients.
Key Takeaways
- Passive Management Style: Cypress Financial Planning heavily utilizes passive investment vehicles (ETFs) to build diversified client portfolios.
- Significant Fixed Income Allocation: The firm has a strong focus on bond funds, likely to manage risk and provide stable returns.
- Broad Diversification: The portfolio is well-diversified across asset classes (equity, fixed income, real estate) and geographies (US, international developed, emerging markets).
IMPORTANT DISCLAIMER: This analysis is for informational purposes only and is not intended as investment advice. The information presented is based on publicly available SEC filings and should not be construed as a recommendation to buy, sell, or hold any securities. Past performance does not guarantee future results. All investments carry risk, including the potential loss of principal. Please consult with a qualified financial advisor before making any investment decisions.
Analysis generated on 2025-10-09 | Data source: SEC EDGAR
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Important Disclaimer
This content is drawn from public SEC filings and may contain errors. It is for informational purposes only and is not investment, legal, or tax advice.
Nothing here is a recommendation to buy, sell, or hold any security. Do your own due diligence.