SEC Filing Analysis: LEGACY SOLUTIONS, LLC

Executive Summary

• Trading Significance: Low
• Key Takeaway: LEGACY SOLUTIONS, LLC has filed its Q3 2025 13F-HR report, disclosing $111.21 million in assets under management across 78 holdings. The portfolio is heavily weighted towards broad-market and factor-based ETFs, suggesting a diversified, long-term, and likely passive or semi-passive investment strategy.
• Market Impact: As a routine filing from a smaller institutional manager, this report is unlikely to have a significant impact on the market or the individual securities held.

Filer Information

Field	Value
Filer Name	LEGACY SOLUTIONS, LLC
CIK	0002053314
Report Date	2025-09-30
Filing Date	2025-10-09
Form Type	13F-HR
Total Portfolio Value	$111,212,770
Number of Holdings	78

Portfolio Analysis

This filing is a quarterly holdings report, not an insider transaction. The analysis focuses on the composition of the investment manager's portfolio.

Top 5 Holdings

Issuer	Security Type	Value (USD)	Shares
SPDR SERIES TRUST	PORTFOLIO S&P500 ETF	$17,822,000	227,496
SPDR INDEX SHS FDS	PORTFOLIO DEVLPD ETF	$9,087,462	212,374
ISHARES TR	CORE S&P US GWT ETF	$8,407,255	51,096
ISHARES TR	CORE S&P US VLU ETF	$7,364,182	73,679
CAPITAL GROUP GROWTH ETF	SHS CREATION UNI	$6,908,710	157,302

Investment Strategy Insights

• Dominance of ETFs: The top holdings, which constitute a significant portion of the portfolio, are all Exchange-Traded Funds (ETFs). This points to a strategy focused on diversification, lower costs, and broad market exposure rather than concentrated bets on individual stocks.
• Core-Satellite Approach: The portfolio appears to follow a core-satellite model. The 'core' consists of large, diversified ETFs like the SPDR S&P 500 ETF. The 'satellites' include smaller positions in individual blue-chip stocks such as Apple ($1.04M), Microsoft ($1.12M), and NVIDIA ($1.18M).
• Balanced Style: The significant holdings in both growth (IUSG) and value (IUSV) ETFs suggest a balanced approach, aiming to capture returns from different market factors and economic cycles.
• Global Diversification: The presence of the SPDR Portfolio Developed World ex-US ETF (SPDW) as the second-largest holding indicates a commitment to international diversification.

Contextual Analysis

Filing Purpose

Form 13F-HR is a mandatory quarterly report filed by institutional investment managers with at least $100 million in equity assets under management. It provides transparency into their holdings as of the end of the quarter. This filing by LEGACY SOLUTIONS, LLC is a standard, compliant disclosure for the period ending September 30, 2025.

Market Conditions

This filing reflects the firm's positions at the end of the third quarter of 2025. The portfolio's structure, with its heavy allocation to diversified ETFs and blue-chip stocks, is typical of a manager aiming for steady, market-aligned growth while managing risk, rather than making aggressive, speculative bets.

Conclusion

The 13F-HR filing from LEGACY SOLUTIONS, LLC portrays a conservative and diversified institutional investor. The strategy is heavily reliant on broad-market ETFs for exposure to US large-cap, international, growth, and value segments. While the portfolio also includes positions in major technology and industrial companies, these are smaller allocations relative to the core ETF holdings. For market observers, this filing provides a snapshot of a classic, balanced portfolio management style.

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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 2025-10-09 | Data source: SEC EDGAR