FinDec Wealth Services, Inc.

RIA/Wealth

FinDec Wealth Services, Inc. is a RIA/Wealth based in Stockton, CA led by Michael E Lee, reporting $770.6M in AUM as of Q3 2025 with 94% ETF concentration, 86% concentrated in top 10 holdings, and 18% allocation to CGCP.

CEOMichael E Lee

Portfolio Value: $96.3M
Positions: 33
Top Holding: CGCP at 17.52%
Last Reported: Q3 2025

Address1776 W. March Lane, Suite 190, Stockton, CA, 95207, United States

Top Holdings

Largest long holdings in FinDec Wealth Services, Inc.'s portfolio (86% of total portfolio)

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Holding	Sector	Position	Weight	Traded	Ownership	Owned Since
1 CGCP Capital Group Core Plus Income CGCP	ETF ETF	$16.9M	17.52%	+$14.6K Bought	— 742.5K shares	Q4 2022 Held for 2y 11m
2 Schwab U.S. Large-Cap Growth SCHG	ETF ETF	$13.1M	13.65%	-$1.3M Sold	— 412.0K shares	Q4 2022 Held for 2y 11m
3 DFLV Dimensional US Large Cap Value DFLV	ETF ETF	$12.1M	12.58%	-$176.5K Sold	— 368.3K shares	Q4 2022 Held for 2y 11m
4 Dimensional US Core Equity Market DFAU	ETF ETF	$12.1M	12.54%	-$831.8K Sold	— 263.9K shares	Q4 2022 Held for 2y 11m
5 Dimensional International Core Equity Market DFAI	ETF ETF	$8.5M	8.83%	-$383.3K Sold	— 233.9K shares	Q4 2022 Held for 2y 11m
6 DFCF Dimensional Core Fixed Income DFCF	ETF ETF	$5.3M	5.52%	+$210.1K Bought	— 124.3K shares	Q4 2022 Held for 2y 11m
7 Vanguard Mid-Cap Fund VO	ETF ETF	$5.0M	5.19%	-$170.7K Sold	— 17.0K shares	Q4 2022 Held for 2y 11m
8 Vanguard Small-Cap ETF VB	ETF ETF	$4.6M	4.81%	-$180.3K Sold	— 18.2K shares	Q4 2022 Held for 2y 11m
9 Vanguard Total Stock Market VTI	ETF ETF	$2.7M	2.77%	-$159.2K Sold	— 8.1K shares	Q1 2025 Held for 8 months
10 DFAE Dimensional Emerging Core Equity Market DFAE	ETF ETF	$2.5M	2.56%	-$405.0K Sold	— 78.2K shares	Q4 2022 Held for 2y 11m

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Changes

Portfolio activity, position movements, and quarter-over-quarter changes in FinDec Wealth Services, Inc.'s latest filing

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Market Value

$96.3M

Prior: $95.6M

Q/Q Change

+0.694%

+$664.2K

Net Flows % of MV

-5.15%

Turnover Ratio

3.0%

New Purchases

0 stocks

Added To

4 stocks

+$231.9K

Sold Out Of

2 stocks

$468.4K

Reduced Holdings

25 stocks

-$4.7M

Increased Positions

Position	Shares Δ	Change
1 DFCF Dimensional Core Fixed Income DFCF	+4.11%	119.4K → 124.3K +$210.1K
2 Amazon AMZN	+2.27%	925.0 → 946.0 +$4.6K
3 Vanguard Intermediate-Term Bond BIV	+0.21%	16.0K → 16.0K +$2.6K
4 CGCP Capital Group Core Plus Income CGCP	+0.09%	741.8K → 742.5K +$14.6K

Decreased Positions

Position	Shares Δ	Change
1 Schwab U.S. Large-Cap Value SCHV	Sold	8.8K → 0 −$244.7K
2 Invesco S&P International Developed Momentum IDMO	Sold	4.4K → 0 −$223.7K
3 DFSD Dimensional Short-Duration Fixed Income DFSD	-35.61%	7.9K → 5.1K −$136.0K
4 Capital Group Global Growth Equity CGGO	-35.26%	10.1K → 6.6K −$122.0K
5 CGDV Capital Group Dividend Value CGDV	-29.97%	17.5K → 12.3K −$220.8K