PENNEY FINANCIAL, LLC

RIA/Wealth

PENNEY FINANCIAL, LLC is a RIA/Wealth based in Houston, TX led by Cameron John Penney, reporting $236.1M in AUM as of Q3 2025 with 96% ETF concentration, 78% concentrated in top 10 holdings, and 25% allocation to GSLC.

Managing PartnerCameron John Penney

Portfolio Value: $223.3M
Positions: 49
Top Holding: GSLC at 25.43%
Last Reported: Q3 2025

Address800 Town And Country Blvd, Suite 500, Houston, TX, 77024-4563, United States

Top Holdings

Largest long holdings in PENNEY FINANCIAL, LLC's portfolio (77.7% of total portfolio)

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GthenH

Holding	Sector	Position	Weight	Traded	Ownership	Owned Since
1 Goldman Sachs ActiveBeta U.S. Large Cap Equity GSLC	ETF ETF	$56.8M	25.43%	+$1.1M Bought	— 435.9K shares	Q4 2023 Held for 1y 11m
2 Vanguard Total Stock Market VTI	ETF ETF	$38.9M	17.41%	+$1.1M Bought	— 118.5K shares	Q4 2023 Held for 1y 11m
3 Vanguard FTSE Developed Markets VEA	ETF ETF	$18.9M	8.45%	+$404.0K Bought	— 314.8K shares	Q4 2023 Held for 1y 11m
4 iShares 0-3 Month Treasury Bond SGOV	ETF ETF	$11.9M	5.31%	+$3.8M Bought	— 117.8K shares	Q2 2025 Held for 5 months
5 iShares Core MSCI EAFE ETF IEFA	ETF ETF	$10.3M	4.63%	+$1.4M Bought	— 118.4K shares	Q4 2023 Held for 1y 11m
6 Schwab US Dividend Equity SCHD	ETF ETF	$8.4M	3.74%	+$268.4K Bought	— 306.2K shares	Q4 2023 Held for 1y 11m
7 JPIE JPMorgan Income JPIE	ETF ETF	$8.3M	3.72%	+$394.6K Bought	— 179.0K shares	Q3 2024 Held for 1y 2m
8 Vanguard High Dividend Yield VYM	ETF ETF	$8.0M	3.59%	+$20.0K Bought	— 56.9K shares	Q4 2023 Held for 1y 11m
9 EVTR Eaton Vance Total Return Bond EVTR	ETF ETF	$6.1M	2.72%	+$249.9K Bought	— 118.0K shares	Q2 2025 Held for 5 months
10 VCRB Vanguard Core Bond VCRB	ETF ETF	$6.1M	2.72%	+$274.7K Bought	— 77.3K shares	Q2 2025 Held for 5 months

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GthenH

Changes

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

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GthenC

Market Value

$223.3M

Prior: $196.7M

Q/Q Change

+13.52%

+$26.6M

Net Flows % of MV

+7.18%

Turnover Ratio

4.14%

New Purchases

9 stocks

$6.7M

Added To

21 stocks

+$10.5M

Sold Out Of

2 stocks

$744.1K

Reduced Holdings

6 stocks

-$489.5K

Increased Positions

Position	Shares Δ	Change
1 Franklin Dynamic Municipal Bond FLMI	New	0 → 76.5K +$1.9M
2 CGMU Capital Group Municipal Income CGMU	New	0 → 58.8K +$1.6M
3 DFNM Dimensional National Municipal Bond DFNM	New	0 → 31.7K +$1.5M
4 iShares Core S&P Total U.S. Stock Market ITOT	New	0 → 3.5K +$507.0K
5 Meta Platforms, Inc. META	New	0 → 384.0 +$282.0K

Decreased Positions

Position	Shares Δ	Change
1 iShares Russell 1000 Growth IWF	Sold	1.1K → 0 −$468.3K
2 Kinder Morgan KMI	Sold	9.4K → 0 −$275.8K
3 Granite Construction GVA	-27.42%	3.6K → 2.6K −$109.7K
4 iShares Core S&P 500 ETF IVV	-25.89%	1.9K → 1.4K −$321.3K
5 JPMorgan Chase JPM	-5.73%	698.0 → 658.0 −$12.6K