Berger Financial Group Discloses $1.67B in Q3 2025 Holdings
Berger Financial Group, Inc
Filing Summary
Berger Financial Group Discloses $1.67B Q3 Holdings
Filer: Berger Financial Group, Inc (Investment Manager) Form: 13F-HR | Filed: 2025-10-14 Significance: Medium
Portfolio Snapshot (as of 2025-09-30): • Total Value: $1,673,059,566 • Number of Holdings: 445
Key Insight: Berger Financial Group's Q3 2025 portfolio shows a significant concentration in large, diversified ETFs, particularly from Schwab and J.P. Morgan. This indicates a strategy focused on broad market exposure and income generation.
Top Holdings by Value: • Schwab US Dividend Equity ETF (SCHD) • Schwab US Large Cap Growth ETF (SCHG) • J.P. Morgan Active Bond ETF (JBND) • First Trust Low Opportunity ETF (LMBS) • Apple Inc. (AAPL)
This is PUBLIC SEC data for educational purposes. Not investment advice.
Comprehensive Analysis
SEC Filing Analysis: Berger Financial Group, Inc.
Executive Summary
- Trading Significance: Medium
- Key Takeaway: Berger Financial Group, Inc. filed a 13F-HR for the quarter ending September 30, 2025, disclosing managed assets of approximately $1.67 billion across 445 positions. The portfolio exhibits a strong preference for diversified, low-cost ETFs, supplemented by individual large-cap stock holdings.
- Market Impact: As a standard quarterly disclosure, this filing is unlikely to cause immediate market volatility. However, it provides valuable insight into the strategic positioning of a mid-sized institutional manager, reflecting broader sentiment favoring ETFs for core portfolio construction.
Filer Information
| Field | Value |
|---|---|
| Filer Name | Berger Financial Group, Inc |
| CIK | 0001826136 |
| Type | Institutional Investment Manager |
Filing Details
| Field | Value |
|---|---|
| Form Type | 13F-HR (Holdings Report) |
| Filing Date | 2025-10-14 |
| Period of Report | 2025-09-30 |
| Total Portfolio Value | $1,673,059,566 |
| Number of Holdings | 445 |
Portfolio Analysis
The filing reveals a highly diversified portfolio with a significant allocation to Exchange-Traded Funds (ETFs), indicating a strategy focused on broad market exposure, sector-specific bets, and income generation.
Top 5 Holdings by Reported Value
- Schwab US Dividend Equity ETF (SCHD): $83,461,882
- Schwab US Large Cap Growth ETF (SCHG): $72,366,801
- J P MORGAN ACTIVE BOND ETF: $69,611,916
- FIRST TR EXCHANGE-TRADED FD - FST LOW OPPT EFT: $50,374,589
- Apple Inc. (AAPL): $41,642,094
Investment Insights
Positive Market Indicators
- Diversification: The large number of holdings (445) and heavy use of broad-market ETFs suggest a risk-managed approach.
- Focus on Quality and Dividends: The top holding, SCHD, points to a strategy prioritizing companies with a history of sustainable dividends, often a defensive posture.
- Large-Cap Conviction: Significant positions in large-cap growth (SCHG) and individual tech giants like Apple and NVIDIA show continued confidence in market leaders.
Risk Factors
- Market Correlation: The portfolio's heavy reliance on broad market ETFs means its performance will be highly correlated with the overall market. A significant market downturn would likely impact the portfolio's value proportionally.
- Interest Rate Sensitivity: A substantial allocation to various bond and fixed-income ETFs (e.g., J.P. Morgan Active Bond ETF) exposes the portfolio to risks associated with changes in interest rates.
Key Takeaways
- ETF-Centric Strategy: Berger Financial Group heavily utilizes ETFs for core portfolio construction, a common strategy for achieving diversification and managing costs.
- Blended Approach: The portfolio blends passive, broad-market exposure with active choices, including actively managed ETFs and individual stock selections like Apple, NVIDIA, and Microsoft.
- Substantial AUM: With over $1.67 billion in reported assets, the firm is a notable institutional player, and its allocations can serve as a barometer for sentiment among similar-sized registered investment advisors (RIAs).
Contextual Analysis
Filing Significance
A Form 13F-HR is a mandatory quarterly report for institutional investment managers with at least $100 million in assets under management. It discloses their long positions in publicly-traded securities. It is a backward-looking document, reflecting positions held at the end of the quarter, and does not show short positions, cash holdings, or intra-quarter trading activity. Its primary utility is for observing trends in institutional ownership and strategy over time.
Company Context
Berger Financial Group, Inc. is a financial planning and investment management firm. This filing is a routine part of their regulatory compliance and offers a transparent look into their investment management philosophy as of the end of Q3 2025.
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 2025-10-15 | 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.