Silver Oak Advisory Group, Inc.

RIA/Wealth

Silver Oak Advisory Group, Inc. is a RIA/Wealth based in Portland, OR led by Jessica Marie Howe, reporting $372.0M in AUM as of Q3 2025 with 94% ETF concentration, 74% concentrated in top 10 holdings, and 21% allocation to BND.

PresidentJessica Marie Howe

Portfolio Value: $207.2M
Positions: 71
Top Holding: BND at 21.01%
Last Reported: Q3 2025

Address1130 Sw Morrison St, Ste 312, Portland, OR, 97205-2217, United States

Top Holdings

Largest long holdings in Silver Oak Advisory Group, Inc.'s portfolio (73.6% of total portfolio)

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Holding	Sector	Position	Weight	Traded	Ownership	Owned Since
1 Vanguard Total Bond Market BND	ETF ETF	$43.5M	21.01%	+$1.8M Bought	— 585.3K shares	Q4 2021 Held for 3y 11m
2 Vanguard Total International Bond BNDX	ETF ETF	$24.4M	11.75%	+$868.7K Bought	— 492.4K shares	Q4 2021 Held for 3y 11m
3 Vanguard Short-Term Bond BSV	ETF ETF	$16.5M	7.96%	+$842.0K Bought	— 208.9K shares	Q4 2021 Held for 3y 11m
4 Dimensional U.S. Core Equity 2 DFAC	ETF ETF	$15.3M	7.41%	+$1.5M Bought	— 397.9K shares	Q4 2021 Held for 3y 11m
5 Dimensional World ex U.S. Core Equity 2 DFAX	ETF ETF	$14.4M	6.93%	+$1.3M Bought	— 457.4K shares	Q4 2021 Held for 3y 11m
6 Vanguard Total Stock Market VTI	ETF ETF	$10.8M	5.24%	-$161.5K Sold	— 33.1K shares	Q4 2021 Held for 3y 11m
7 Vanguard S&P Small-Cap 600 Value VIOV	ETF ETF	$8.5M	4.11%	-$180.2K Sold	— 89.4K shares	Q4 2021 Held for 3y 11m
8 Vanguard Real Estate VNQ	ETF ETF	$6.8M	3.30%	+$264.8K Bought	— 74.7K shares	Q4 2021 Held for 3y 11m
9 Vanguard Intermediate-Term Bond BIV	ETF ETF	$6.3M	3.04%	+$107.6K Bought	— 80.6K shares	Q4 2021 Held for 3y 11m
10 Vanguard Total International Stock VXUS	ETF ETF	$6.0M	2.92%	-$446.5K Sold	— 82.2K shares	Q4 2021 Held for 3y 11m

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Changes

Portfolio activity, position movements, and quarter-over-quarter changes in Silver Oak Advisory Group, Inc.'s latest filing

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Market Value

$207.2M

Prior: $191.9M

Q/Q Change

+7.96%

+$15.3M

Net Flows % of MV

+3.11%

Turnover Ratio

3.11%

New Purchases

2 stocks

$423.0K

Added To

20 stocks

+$8.6M

Sold Out Of

3 stocks

$669.3K

Reduced Holdings

27 stocks

-$1.9M

Increased Positions

Position	Shares Δ	Change
1 Alphabet Inc. GOOG	New	0 → 897.0 +$218.5K
2 DFAE Dimensional Emerging Core Equity Market DFAE	New	0 → 6.5K +$204.5K
3 VTEI Vanguard Intermediate-Term Tax-Exempt Bond VTEI	+34.34%	38.9K → 52.3K +$1.3M
4 Dimensional U.S. Core Equity 2 DFAC	+11.2%	357.8K → 397.9K +$1.5M
5 VTES Vanguard Short-Term Tax-Exempt Bond VTES	+9.87%	19.9K → 21.9K +$200.4K

Decreased Positions

Position	Shares Δ	Change
1 iShares iBoxx $ Investment Grade Corporate Bond LQD	Sold	2.4K → 0 −$263.1K
2 Procter & Gamble PG	Sold	1.3K → 0 −$203.8K
3 International Business Machines IBM	Sold	687.0 → 0 −$202.5K
4 iShares Core S&P 500 ETF IVV	-29.22%	1.4K → 998.0 −$275.8K
5 Vanguard Intermediate-Term Corporate Bond VCIT	-12.73%	13.2K → 11.5K −$141.1K