Family CFO Inc

RIA/Wealth

Family CFO Inc is a RIA/Wealth based in Saratoga Springs, NY led by Annamalai Rajendran, reporting $244.9M in AUM as of Q3 2025 with 84% ETF concentration, 80% concentrated in top 10 holdings, and 24% allocation to VTI.

CEOAnnamalai Rajendran

Portfolio Value: $216.0M
Positions: 33
Top Holding: VTI at 23.6%
Last Reported: Q3 2025

Address130 Excelsior Ave, #202, Saratoga Springs, NY, 12866, United States

Top Holdings

Largest long holdings in Family CFO Inc's portfolio (80.5% of total portfolio)

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Holding	Sector	Position	Weight	Traded	Ownership	Owned Since
1 Vanguard Total Stock Market VTI	ETF ETF	$51.0M	23.60%	+$512.9K Bought	— 155.4K shares	Q4 2021 Held for 3y 11m
2 Vanguard Dividend Appreciation VIG	Unknown Unknown	$22.4M	10.36%	+$210.2K Bought	— 103.7K shares	Q2 2022 Held for 3y 5m
3 Vanguard Total International Stock VXUS	ETF ETF	$20.2M	9.33%	+$172.9K Bought	— 274.4K shares	Q4 2021 Held for 3y 11m
4 Vanguard Small-Cap Value VBR	ETF ETF	$16.0M	7.42%	+$199.3K Bought	— 76.8K shares	Q4 2021 Held for 3y 11m
5 Vanguard Mortgage-Backed Securities VMBS	ETF ETF	$14.0M	6.46%	+$1.1M Bought	— 297.2K shares	Q4 2021 Held for 3y 11m
6 Vanguard FTSE All-World EX-US Small-Cap Index Fund VSS	ETF ETF	$12.2M	5.66%	-$23.0K Sold	— 85.7K shares	Q4 2021 Held for 3y 11m
7 Vanguard S&P 500 ETF VOO	ETF ETF	$11.8M	5.47%	+$21.4K Bought	— 19.3K shares	Q4 2021 Held for 3y 11m
8 Vanguard Intermediate-Term Corporate Bond VCIT	ETF ETF	$9.8M	4.56%	+$1.2M Bought	— 117.0K shares	Q4 2021 Held for 3y 11m
9 Bloom Energy BE	Electrical Equipment & Parts Industrials	$8.8M	4.08%	-$3.1M Sold	0.04% 104.2K shares	Q4 2022 Held for 2y 11m
10 VTIP Vanguard Short-Term Inflation-Protected Securities Index Fund VTIP	ETF ETF	$7.7M	3.56%	-$105.0K Sold	— 152.0K shares	Q1 2023 Held for 2y 8m

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Changes

Portfolio activity, position movements, and quarter-over-quarter changes in Family CFO Inc's latest filing

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Market Value

$216.0M

Prior: $197.4M

Q/Q Change

+9.41%

+$18.6M

Net Flows % of MV

-0.939%

Turnover Ratio

2.57%

New Purchases

0 stocks

Added To

16 stocks

+$4.5M

Sold Out Of

55 stocks

$2.8M

Reduced Holdings

8 stocks

-$3.8M

Increased Positions

Position	Shares Δ	Change
1 Dimensional Ultrashort Fixed Income DUSB	+66.85%	15.5K → 25.8K +$524.8K
2 Vanguard Ultra-Short Bond VUSB	+42.18%	11.5K → 16.4K +$243.5K
3 Vanguard Intermediate-Term Corporate Bond VCIT	+13.64%	103.0K → 117.0K +$1.2M
4 Dimensional Emerging Markets Value DFEV	+12.48%	15.4K → 17.3K +$61.3K
5 Vanguard Mortgage-Backed Securities VMBS	+8.14%	274.8K → 297.2K +$1.1M

Decreased Positions

Position	Shares Δ	Change
1 Costco Wholesale COST	Sold	190.0 → 0 −$188.1K
2 Vanguard Information Technology VGT	Sold	266.0 → 0 −$176.4K
3 Vanguard Short-Term Corporate Bond VCSH	Sold	2.1K → 0 −$169.7K
4 Cisco Systems, Inc. CSCO	Sold	2.4K → 0 −$168.0K
5 Vanguard Global ex-U.S. Real Estate VNQI	Sold	3.5K → 0 −$160.0K