SEC Filing Analysis: Sprinkle Financial Consultants LLC

Executive Summary

• Trading Significance: Medium
• Key Takeaway: Sprinkle Financial Consultants LLC has reported managed assets totaling approximately $179.1 million as of September 30, 2025. The portfolio is heavily weighted towards diversified ETFs, with the top 10 holdings comprising roughly 52% of the total value, indicating a core strategy built on broad market exposure.
• Market Impact: This filing provides transparency into the holdings of a mid-sized investment manager. It is unlikely to cause significant market moves but offers valuable insight for investors tracking institutional sentiment and fund flows, particularly in the ETF space.

Filer Information

Field	Value
Company	Sprinkle Financial Consultants LLC
CIK	0002011593
Type	Institutional Investment Manager
Total AUM Reported	$179,094,662

Portfolio Summary

Field	Value
Form Type	13F-HR (Holdings Report)
Period of Report	2025-09-30
Total Holdings	84
Top Holding	Schwab US Large-Cap ETF (SCHX)
Top Holding Value	$23,056,891 (12.9% of portfolio)

Top 10 Holdings Analysis

This table details the ten largest positions, which represent the core of the firm's investment strategy.

Issuer	Security Type	Value (USD)	Shares
SCHWAB STRATEGIC TR	US LRG CAP ETF	$23,056,891	875,359
J P MORGAN EXCHANGE TRADED F	ACTIVE GROWTH ETF	$12,957,678	138,206
ISHARES TR	CORE S&P SCP ETF	$11,603,786	97,652
DIMENSIONAL ETF TRUST	GLOBAL REAL EST ETF	$9,448,530	345,974
ONEOK INC NEW	Common Stock	$8,561,570	117,330
DIMENSIONAL ETF TRUST	US MKTWIDE VALUE ETF	$7,587,608	169,783
J P MORGAN EXCHANGE TRADED F	DIVERSFD EQT ETF	$6,652,160	133,546
ISHARES TR	CORE S&P500 ETF	$5,381,922	8,040
J P MORGAN EXCHANGE TRADED F	CORE PLUS BD ETF	$4,873,625	102,496
T ROWE PRICE ETF INC	CAP APPRECIATION ETF	$4,446,589	117,949

Investment Strategy Analysis

Portfolio Composition

• Dominance of ETFs: The portfolio is overwhelmingly composed of Exchange-Traded Funds (ETFs), particularly those tracking large-cap, small-cap, and broad market indices. This suggests a strategy focused on diversification, lower costs, and passive or semi-passive management.
• Sector Bets: The presence of specific holdings like the Dimensional Global Real Estate ETF and individual energy stocks (ONEOK Inc., EOG Resources) indicates targeted allocations to sectors the firm may view as favorable.
• Growth and Value Mix: The holdings include both growth-oriented funds (e.g., JP Morgan Active Growth) and value-oriented funds (e.g., Dimensional US Marketwide Value), pointing to a blended or balanced approach to style investing.

Key Takeaways

1. Diversification is Key: The filer's strategy is clearly centered on broad diversification across asset classes and geographies, primarily through ETFs.
2. Core-Satellite Approach: The large positions in broad market ETFs likely form the 'core' of the portfolio, with smaller positions in individual stocks and specialized ETFs acting as 'satellite' holdings to seek additional alpha.
3. Moderate Size: With $179M in reported assets, Sprinkle Financial is a mid-sized registered investment advisor. Its holdings are significant but do not represent market-moving institutional weight on their own.

Contextual Analysis

Filing Context

• A Form 13F-HR is a mandatory quarterly filing for institutional managers exercising investment discretion over $100 million or more in certain equity securities. It provides a snapshot of the manager's long positions at the end of the quarter.
• The data is as of September 30, 2025, and may not reflect current positions, as the manager could have bought or sold securities since that date.

Market Considerations

• Analyzing a 13F filing allows investors to see what 'smart money' is holding, although with a time lag. The emphasis on diversified, low-cost ETFs aligns with a common long-term investment philosophy.
• The inclusion of major tech names like Apple, Microsoft, and Alphabet, alongside energy and financial stocks, reflects a portfolio that is well-aligned with the broader market composition.

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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 2025-10-10 | Data source: SEC EDGAR