SEC Filing Analysis: DOPKINS WEALTH MANAGEMENT, LLC

Executive Summary

• Trading Significance: Low
• Key Takeaway: This Form 13F-HR filing from Dopkins Wealth Management, LLC details its investment holdings as of September 30, 2025, totaling approximately $237 million across 79 positions. The portfolio shows a strong preference for diversified ETFs, particularly from Dimensional ETF Trust, supplemented by positions in large-cap individual stocks like Apple and Microsoft.
• Market Impact: As a backward-looking report on a moderately-sized fund, the immediate market impact is expected to be minimal. However, it provides insight into the allocation strategies of a professional wealth manager, showing a core-satellite approach with ETFs as the core and individual stocks as satellites.

Filer Information

Field	Value
Company	DOPKINS WEALTH MANAGEMENT, LLC
Ticker Symbol	null (Private Company)
CIK	0001904152
Total Portfolio Value	$237,031,221
Number of Holdings	79

Insider Information

This is a Form 13F-HR, an institutional investment manager report. The concept of an individual 'insider' does not apply in the same way as a Form 4. The filer is the institution itself.

Transaction Details

Field	Value
Form Type	13F-HR
Period of Report Date	2025-09-30
Transaction Details	Not applicable. This form reports holdings, not individual transactions.

Portfolio Analysis

Top 5 Holdings by Value

1. DIMENSIONAL ETF TRUST (US CORE EQUITY 2): $36,505,675
2. DIMENSIONAL ETF TRUST (INTERNATNAL VAL): $19,590,260
3. DIMENSIONAL ETF TRUST (US TARGETED VLU): $19,477,570
4. DIMENSIONAL ETF TRUST (US MKTWIDE VALUE): $19,190,096
5. EA SERIES TRUST (EA BRIDGEWAY OMN): $9,185,862

Notable Individual Stock Holdings

• APPLE INC (AAPL): $3,307,723
• MICROSOFT CORP (MSFT): $1,330,714
• NVIDIA CORPORATION (NVDA): $780,097
• AMAZON COM INC (AMZN): $477,784

Investment Insights

Positive Market Indicators

• Diversification: The portfolio is well-diversified across 79 positions, reducing single-stock risk.
• Strategy: The heavy allocation to broad-market and factor-based ETFs (value, small-cap) suggests a long-term, systematic investment approach.
• Blue-Chip Holdings: The inclusion of mega-cap tech stocks like Apple and Microsoft indicates confidence in established market leaders.

Risk Factors

• Backward-Looking Data: The data is as of September 30, 2025, and may not reflect the firm's current positions.
• ETF Concentration: A significant portion of the portfolio's value is concentrated in ETFs from a single provider (Dimensional), creating a dependency on that provider's management and strategy.

Key Takeaways

1. ETF-Centric Strategy: Dopkins Wealth Management heavily utilizes ETFs for core portfolio construction, focusing on value and broad market exposure.
2. Strategic Stock Picks: While dominated by ETFs, the fund holds direct positions in several key technology and industrial companies, likely as tactical or long-term growth plays.
3. Routine Filing: This filing represents a standard quarterly update and does not, on its own, signal a major strategic shift or urgent market event.

Contextual Analysis

Filing Significance

Form 13F-HR is a mandatory quarterly report filed by institutional investment managers with at least $100 million in assets under management. It discloses their long U.S. equity positions at the end of each quarter. This provides transparency but is not real-time trading data.

Market Considerations

Analyzing 13F filings allows investors to track institutional trends, see what the 'smart money' is holding, and generate ideas for further research. However, it's crucial to remember that this data is delayed by up to 45 days and does not include short positions, cash, or non-U.S. securities.

---

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