SEC Filing Analysis: FLYWHEEL PRIVATE WEALTH LLC

Executive Summary

• Trading Significance: Low
• Key Takeaway: FLYWHEEL PRIVATE WEALTH LLC has filed its quarterly Form 13F-HR, disclosing $128.03 million in assets under management across 81 holdings as of September 30, 2025. The portfolio is heavily weighted towards large, diversified ETFs, suggesting a conservative, broad-market investment strategy.
• Market Impact: Due to the diversified nature and moderate size of the fund, this filing is unlikely to cause significant market impact on any single security. It serves primarily as a transparency report on the firm's positioning.

Filer Information

Field	Value
Filer Name	FLYWHEEL PRIVATE WEALTH LLC
CIK	0002029680
Total Portfolio Value	$128,025,196
Number of Holdings	81

Filing Details

Field	Value
Form Type	13F-HR
Filing Date	2025-10-14
Period of Report	2025-09-30
Accession Number	0001725547-25-004114

Portfolio Analysis

The portfolio demonstrates a clear preference for exchange-traded funds (ETFs), which constitute the largest holdings. This indicates a strategy focused on diversification, sector-based allocation, and exposure to both domestic and international markets. Individual stock holdings are smaller and supplement the core ETF positions.

Top 10 Holdings

Holding	Value (USD)	% of Portfolio
VANGUARD SPECIALIZED FUNDS (DIV APP ETF)	$18,015,131	14.07%
VANGUARD INDEX FDS (SM CP VAL ETF)	$11,956,283	9.34%
ISHARES TR (CORE MSCI EAFE)	$10,479,318	8.19%
ISHARES INC (CORE MSCI EMKT)	$9,700,680	7.58%
VANGUARD WHITEHALL FDS (HIGH DIV YLD)	$5,830,961	4.55%
ISHARES TR (CORE S&P MCP ETF)	$4,956,075	3.87%
VANGUARD TAX-MANAGED FDS (VAN FTSE DEV MKT)	$4,917,171	3.84%
ISHARES TR (CORE S&P500 ETF)	$4,403,934	3.44%
AMERICAN CENTY ETF TR (US SML CP VALU)	$3,771,213	2.95%
VANGUARD INTL EQUITY INDEX F (FTSE EMR MKT ETF)	$3,421,305	2.67%

Investment Insights

Strategic Observations

• Diversification Focus: The top holdings are all broad-market or factor-based ETFs, highlighting a strategy that prioritizes diversification over high-conviction single-stock picking.
• Global Exposure: Significant allocations to EAFE (developed ex-US) and Emerging Markets ETFs show a commitment to global investment.
• Factor Tilts: The presence of dividend, value, and small-cap ETFs suggests a strategy that may be tilting towards these factors for potential long-term returns.

Key Takeaways

1. Core-Satellite Approach: The portfolio structure suggests a core-satellite strategy, with large, passive ETF holdings forming the core and smaller individual stock positions (like Apple, Microsoft, NVIDIA) acting as satellites.
2. Low-Cost Preference: The heavy use of Vanguard and iShares ETFs points to a preference for low-cost investment vehicles.
3. Not a Stock-Picker's Fund: Investors looking for high-conviction, concentrated bets will not find it here. This filing reflects a typical asset allocation model used by many wealth management firms.

Contextual Analysis

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 holdings at the end of the quarter. The data is 45 days old by the filing deadline, so positions may have changed since the reporting date. The filing by Flywheel Private Wealth LLC is a routine disclosure and reflects its investment strategy as of the end of Q3 2025.

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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 2025-10-14 | Data source: SEC EDGAR