SEC Filing Analysis: Higgins & Schmidt Wealth Strategies LLC

Executive Summary

• Trading Significance: Low
• Key Takeaway: Higgins & Schmidt Wealth Strategies LLC filed a Form 13F-HR for the quarter ending September 30, 2025, disclosing $197.96 million in assets under management across 56 positions. The filing indicates a standard, diversified portfolio strategy heavily reliant on broad-market ETFs.
• Market Impact: Minimal to none. As a routine quarterly disclosure from a firm with under $200 million in reported assets, this filing is unlikely to influence the market or the prices of its underlying holdings.

Filer Information

Field	Value
Filer Name	Higgins & Schmidt Wealth Strategies LLC
Ticker Symbol	null (Private LLC)
CIK	0001941260
Type	Investment Adviser

Insider Information

This is a Form 13F-HR, an institutional investment manager's holdings report, not an insider trading filing. The reporting entity is the investment firm itself.

Field	Value
Name	Higgins & Schmidt Wealth Strategies LLC
CIK	0001941260
Title/Position	Investment Manager
Relationship	Filer

Filing Details

Field	Value
Form Type	13F-HR
Period of Report	2025-09-30
Total Value of Holdings	$197,962,357
Number of Holdings	56

Portfolio Analysis

Strategy Overview

• Direction: Neutral
• Reasoning: The portfolio is constructed primarily with diversified, low-cost ETFs, indicating a long-term, passive or semi-passive investment strategy. The holdings are spread across US large-cap growth and value, developed international markets, and emerging markets. This structure is typical for wealth management firms aiming for broad market exposure for their clients.

Top Holdings by Value

1. SPDR Portfolio S&P 500 Growth ETF (SPLG): $33,598,416
2. SPDR Portfolio S&P 500 Value ETF (SPYV): $32,544,993
3. SPDR Portfolio Developed World ex-US ETF (SPDW): $28,304,584
4. SPDR Portfolio S&P 400 Mid Cap ETF (SPMD): $11,922,534
5. American Century Avantis Emerging Markets Equity ETF (AVEM): $10,018,228

Investment Insights

Positive Market Indicators

• The firm's reliance on diversified ETFs suggests a disciplined, risk-managed approach to investing.
• Exposure is global, capturing opportunities in US, developed international, and emerging markets.

Risk Factors

• As the portfolio is designed to track broad market indices, it is fully exposed to systemic market risk. A downturn in global equities would directly impact the portfolio's value.

Key Takeaways

1. ETF-Centric Strategy: The vast majority of the portfolio's value is in ETFs, not individual stocks.
2. US Large-Cap Focus: The top two holdings, representing over 33% of the portfolio, are dedicated to the S&P 500, split between growth and value styles.
3. Global Diversification: Significant allocations to developed ex-US and emerging market ETFs show a commitment to global diversification.

Contextual Analysis

Timing Significance

This is a standard quarterly report filed in accordance with SEC regulations for institutional managers with over $100 million in AUM. The timing is routine and carries no special significance.

Transaction Context

A Form 13F-HR is a snapshot of holdings on a specific date and does not detail individual buy or sell transactions, their timing, or their rationale. It is a report of positions held, not trades made.

Company Context

Higgins & Schmidt Wealth Strategies LLC is a Denver-based investment advisory firm. This filing is part of its regular disclosure requirements.

Risk Assessment

Risk Level: Low

Filing-Specific Risks

• The information is 45 days old (as of the filing date) and may not reflect the current portfolio.
• The filing does not disclose short positions, cash holdings, or other asset classes, providing an incomplete picture of the firm's overall strategy.

Market Considerations

• The portfolio's performance will largely mirror the performance of global equity markets, particularly the S&P 500.
• The strategy is not designed to generate significant alpha over market indices but rather to provide market-like returns.

---

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