BLUESTEM FINANCIAL ADVISORS, LLC

RIA/Wealth

BLUESTEM FINANCIAL ADVISORS, LLC is a RIA/Wealth based in Savoy, IL led by Jacob Daniel Kuebler, reporting $325.5M in AUM as of Q3 2025 with 99% ETF concentration, 84% concentrated in top 10 holdings, and 22% allocation to BND.

PresidentJacob Daniel Kuebler

Portfolio Value: $255.5M
Positions: 29
Top Holding: BND at 21.5%
Last Reported: Q3 2025

Address1809 Woodfield Drive, Suite A, Savoy, IL, 61874, United States

Top Holdings

Largest long holdings in BLUESTEM FINANCIAL ADVISORS, LLC's portfolio (83.8% of total portfolio)

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Holding	Sector	Position	Weight	Traded	Ownership	Owned Since
1 Vanguard Total Bond Market BND	ETF ETF	$54.9M	21.50%	+$7.8M Bought	— 738.8K shares	Q4 2019 Held for 5y 11m
2 iShares Core S&P 500 ETF IVV	ETF ETF	$54.1M	21.18%	+$925.9K Bought	— 80.8K shares	Q4 2019 Held for 5y 11m
3 Vanguard Small-Cap ETF VB	ETF ETF	$30.8M	12.04%	+$1.0M Bought	— 121.0K shares	Q4 2019 Held for 5y 11m
4 Vanguard FTSE All-World Ex-US ETF VEU	ETF ETF	$30.6M	11.97%	+$1.0M Bought	— 428.7K shares	Q4 2019 Held for 5y 11m
5 Vanguard Real Estate VNQ	ETF ETF	$14.2M	5.57%	+$769.0K Bought	— 155.6K shares	Q4 2019 Held for 5y 11m
6 iShares ESG Aware U.S. Aggregate Bond EAGG	ETF ETF	$6.7M	2.63%	+$83.0K Bought	— 140.0K shares	Q2 2022 Held for 3y 5m
7 Vanguard Short-Term Bond BSV	ETF ETF	$6.5M	2.53%	-$131.6K Sold	— 81.9K shares	Q4 2019 Held for 5y 11m
8 SUSL iShares ESG MSCI USA Leaders SUSL	ETF ETF	$5.8M	2.25%	-$45.2K Sold	— 49.2K shares	Q2 2020 Held for 5y 5m
9 Vanguard FTSE Developed Markets VEA	ETF ETF	$5.3M	2.09%	-$159.1K Sold	— 89.2K shares	Q4 2019 Held for 5y 11m
10 iShares Core 1-5 Year USD Bond ETF ISTB	ETF ETF	$5.1M	2.01%	-$30.3K Sold	— 105.4K shares	Q1 2022 Held for 3y 8m

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Changes

Portfolio activity, position movements, and quarter-over-quarter changes in BLUESTEM FINANCIAL ADVISORS, LLC's latest filing

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Market Value

$255.5M

Prior: $233.3M

Q/Q Change

+9.54%

+$22.3M

Net Flows % of MV

+4.03%

Turnover Ratio

2.59%

New Purchases

0 stocks

Added To

11 stocks

+$11.8M

Sold Out Of

0 stocks

Reduced Holdings

15 stocks

-$1.5M

Increased Positions

Position	Shares Δ	Change
1 Vanguard Total Bond Market BND	+16.57%	633.8K → 738.8K +$7.8M
2 Schwab U.S. REIT SCHH	+8.2%	22.8K → 24.6K +$40.3K
3 Vanguard Real Estate VNQ	+5.72%	147.2K → 155.6K +$769.0K
4 Vanguard FTSE All-World Ex-US ETF VEU	+3.52%	414.1K → 428.7K +$1.0M
5 Vanguard Small-Cap ETF VB	+3.5%	117.0K → 121.0K +$1.0M

Decreased Positions

Position	Shares Δ	Change
1 Xtrackers MSCI USA ESG Leaders Equity USSG	-23.86%	5.6K → 4.3K −$82.4K
2 iShares Core U.S. Aggregate Bond AGG	-12.66%	51.5K → 44.9K −$653.2K
3 Microsoft MSFT	-6.0%	1.9K → 1.8K −$58.0K
4 SPDR S&P 500 ETF Trust SPY	-5.31%	904.0 → 856.0 −$32.0K
5 Vanguard FTSE Developed Markets VEA	-2.89%	91.8K → 89.2K −$159.1K