HILL ISLAND FINANCIAL LLC

RIA/Wealth

HILL ISLAND FINANCIAL LLC is a RIA/Wealth based in Grand Rapids, MI led by Kevin Matthew Toler, reporting $537.0M in AUM as of Q3 2025 with 75% ETF concentration, 77% concentrated in top 10 holdings, and 17% allocation to EBI.

Managing PartnerKevin Matthew Toler

Portfolio Value: $400.2M
Positions: 75
Top Holding: EBI at 16.75%
Last Reported: Q3 2025

Address38 Commerce Avenue Sw, Suite 310, Grand Rapids, MI, 49503, United States

Top Holdings

Largest long holdings in HILL ISLAND FINANCIAL LLC's portfolio (77% of total portfolio)

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Holding	Sector	Position	Weight	Traded	Ownership	Owned Since
1 EBI Evergreen International Balanced Income Fund EBI	Unknown Unknown	$67.0M	16.75%	-$2.2M Sold	— 1.2M shares	Q1 2025 Held for 8 months
2 Vanguard S&P 500 ETF VOO	ETF ETF	$62.8M	15.70%	+$2.4M Bought	— 102.6K shares	Q4 2021 Held for 3y 11m
3 Dimensional US Core Equity Market DFAU	ETF ETF	$55.3M	13.81%	-$2.1M Sold	— 1.2M shares	Q4 2024 Held for 11 months
4 Dimensional International Core Equity 2 DFIC	ETF ETF	$33.1M	8.28%	+$4.9M Bought	— 1.0M shares	Q2 2025 Held for 5 months
5 Invesco NASDAQ 100 ETF QQQM	ETF ETF	$22.5M	5.62%	-$1.8M Sold	— 91.1K shares	Q2 2025 Held for 5 months
6 DFLV Dimensional US Large Cap Value DFLV	ETF ETF	$18.9M	4.73%	+$306.9K Bought	— 575.6K shares	Q4 2024 Held for 11 months
7 Dimensional U.S. Small Cap DFAS	ETF ETF	$18.6M	4.65%	+$1.4M Bought	— 271.7K shares	Q4 2024 Held for 11 months
8 Schwab International Equity SCHF	ETF ETF	$10.7M	2.68%	-$4.0K Sold	— 460.1K shares	Q4 2022 Held for 2y 11m
9 Alpha Architect CAOS	ETF ETF	$10.4M	2.61%	+$10.4M New	— 116.7K shares	Q3 2025 Held for 2 months
10 iShares Core MSCI Total International Stock IXUS	ETF ETF	$8.6M	2.16%	-$264.7K Sold	— 104.6K shares	Q4 2021 Held for 3y 11m

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Changes

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

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Market Value

$400.2M

Prior: $358.3M

Q/Q Change

+11.71%

+$41.9M

Net Flows % of MV

+3.42%

Turnover Ratio

3.87%

New Purchases

2 stocks

$10.8M

Added To

31 stocks

+$11.3M

Sold Out Of

4 stocks

$790.2K

Reduced Holdings

29 stocks

-$7.6M

Increased Positions

Position	Shares Δ	Change
1 Alpha Architect CAOS	New	0 → 116.7K +$10.4M
2 iShares California Muni Bond CMF	New	0 → 5.6K +$320.6K
3 Invesco ESG NASDAQ 100 QQMG	+34.92%	10.3K → 13.9K +$148.7K
4 iShares ESG Aware MSCI EAFE ETF ESGD	+26.64%	8.3K → 10.5K +$204.7K
5 Dimensional International Core Equity 2 DFIC	+17.37%	860.9K → 1.0M +$4.9M

Decreased Positions

Position	Shares Δ	Change
1 ANGL VanEck Fallen Angel High Yield Bond ANGL	Sold	8.8K → 0 −$259.0K
2 UnitedHealth Group UNH	Sold	688.0 → 0 −$214.8K
3 Invesco California AMT-Free Municipal Bond PWZ	Sold	8.9K → 0 −$206.7K
4 DNP DNP Select Income Fund DNP	Sold	11.2K → 0 −$109.7K
5 Eli Lilly LLY	-27.23%	437.0 → 318.0 −$90.8K