Cambridge Advisors Inc. Files 13F, Discloses $511M in Holdings
Cambridge Advisors Inc.
Filing Summary
Cambridge Advisors Inc. Files 13F, Discloses $511M in Holdings
Filer: Cambridge Advisors Inc. (CIK: 0001633695) Form: 13F-HR | Filed: 2025-10-15 Significance: Medium
Report Summary: • Total Holdings Value: $511,740,602 • Number of Holdings: 169 • Report Date: 2025-09-30
Top 5 Holdings (by Value):
- VANGUARD S&P 500 ETF (VOO): $89.9M
- VANGUARD TOTAL BOND MARKET ETF (BND): $51.7M
- VANGUARD FTSE DEVELOPED MARKETS ETF (VEA): $34.3M
- ISHARES CORE S&P MID-CAP ETF (IJH): $19.3M
- MICROSOFT CORP (MSFT): $14.9M
Key Insight: Cambridge Advisors Inc. reported a diversified portfolio of over $511M. The filing reveals a strategy heavily weighted towards broad-market, low-cost ETFs, suggesting a focus on long-term, diversified growth and income.
This is PUBLIC SEC data for educational purposes. Not investment advice.
Comprehensive Analysis
SEC Filing Analysis: Cambridge Advisors Inc. (13F-HR)
Executive Summary
- Trading Significance: Medium
- Key Takeaway: Cambridge Advisors Inc. has filed its quarterly holdings report (13F-HR), disclosing $511.74 million in assets under management across 169 positions as of September 30, 2025. The portfolio shows a strong preference for diversified, low-cost ETFs, with significant positions in US large-cap, total bond market, and international equity funds.
- Market Impact: This filing provides a transparent look into the investment strategy of a mid-sized advisory firm. It is not expected to cause significant market volatility but serves as a valuable data point for observing institutional sentiment and allocation trends, particularly the continued reliance on passive index-based products for core portfolio construction.
Filer Information
| Field | Value |
|---|---|
| Filer Name | Cambridge Advisors Inc. |
| CIK | 0001633695 |
| Total Assets Reported | $511,740,602 |
| Number of Holdings | 169 |
Portfolio Summary
| Field | Value |
|---|---|
| Form Type | 13F-HR (Holdings Report) |
| Filing Date | 2025-10-15 |
| Period of Report Date | 2025-09-30 |
Top 10 Holdings
| Issuer | Security Type | Value (USD) |
|---|---|---|
| VANGUARD INDEX FDS (VOO) | S&P 500 ETF | $89,869,223 |
| VANGUARD BD INDEX FDS (BND) | TOTAL BND MRKT | $51,667,299 |
| VANGUARD TAX-MANAGED FDS (VEA) | VAN FTSE DEV MKT | $34,292,941 |
| ISHARES TR (IJH) | CORE S&P MCP ETF | $19,263,849 |
| MICROSOFT CORP (MSFT) | COM | $14,883,396 |
| VANGUARD CHARLOTTE FDS (BNDX) | TOTAL INT BD ETF | $13,173,472 |
| VANGUARD INDEX FDS (VTI) | TOTAL STK MKT | $12,161,551 |
| J P MORGAN EXCHANGE TRADED F (JEPQ) | NASDAQ EQT PREM | $11,903,128 |
| BERKSHIRE HATHAWAY INC DEL | CL A | $11,313,000 |
| J P MORGAN EXCHANGE TRADED F (JEPI) | EQUITY PREMIUM | $10,706,332 |
Investment Strategy Analysis
Asset Allocation Insights
- Core Strategy: The portfolio is anchored by large, liquid ETFs tracking the S&P 500 (VOO) and the total US bond market (BND), indicating a classic balanced portfolio approach.
- Diversification: Significant allocations to international developed markets (VEA), international bonds (BNDX), and mid-cap stocks (IJH) demonstrate a commitment to broad diversification across asset classes and geographies.
- Individual Stock Selection: While dominated by ETFs, the portfolio includes substantial positions in mega-cap leaders like Microsoft, Apple ($9.6M), and Berkshire Hathaway ($11.3M in Class A, $9.1M in Class B), suggesting a 'core-satellite' strategy where individual blue-chip stocks complement a passive core.
- Income Generation: The presence of covered call ETFs like JEPQ and JEPI points to a strategy aimed at enhancing income generation in addition to capital appreciation.
Key Takeaways
- Emphasis on Passive Investing: The top holdings are dominated by Vanguard and iShares ETFs, reflecting a belief in low-cost, market-tracking investment vehicles as the primary drivers of return.
- Balanced Risk Profile: The substantial allocation to fixed income (BND, BNDX) alongside equities suggests a moderate-risk, long-term investment horizon suitable for a typical advisory client base.
- Concentration in Quality: Individual stock picks are focused on well-established, profitable companies (Microsoft, Apple, Berkshire Hathaway), avoiding speculative, high-risk names.
Contextual Analysis
Filing Context
This Form 13F-HR is a mandatory quarterly report for institutional investment managers with over $100 million in qualifying assets. It provides a snapshot of the firm's long positions in publicly traded securities as of the end of the quarter. It does not include short positions, cash, or other non-reportable assets.
Market Conditions
This filing reflects portfolio positioning at the end of Q3 2025. Analysts can use this data to gauge how institutions like Cambridge Advisors are navigating the prevailing economic environment, including interest rate policies, inflation trends, and sector performance.
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.