STAGE HARBOR FINANCIAL, LLC

RIA/Wealth

STAGE HARBOR FINANCIAL, LLC is a RIA/Wealth based in Ann Arbor, MI led by Andre Matos Fernandes, reporting $972.9M in AUM as of Q3 2025 with 95% ETF concentration, 72% concentrated in top 10 holdings, and 16% allocation to VUG.

Managing PartnerAndre Matos Fernandes

Portfolio Value: $133.6M
Positions: 56
Top Holding: VUG at 15.69%
Last Reported: Q3 2025

Address116 E. Washington St. Suite 210, Ann Arbor, MI, 48104, United States

Top Holdings

Largest long holdings in STAGE HARBOR FINANCIAL, LLC's portfolio (71.9% of total portfolio)

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Holding	Sector	Position	Weight	Traded	Ownership	Owned Since
1 Vanguard Growth VUG	ETF ETF	$21.0M	15.69%	+$280.6K Bought	— 43.7K shares	Q4 2023 Held for 1y 11m
2 DFLV Dimensional US Large Cap Value DFLV	ETF ETF	$19.9M	14.91%	+$682.9K Bought	— 605.8K shares	Q4 2023 Held for 1y 11m
3 iShares National Muni Bond MUB	ETF ETF	$16.2M	12.12%	-$188.5K Sold	— 152.0K shares	Q4 2023 Held for 1y 11m
4 EFV iShares MSCI EAFE Value EFV	ETF ETF	$6.4M	4.81%	-$6.7K Sold	— 94.7K shares	Q4 2023 Held for 1y 11m
5 iShares Russell 1000 Growth IWF	ETF ETF	$6.0M	4.51%	-$103.0K Sold	— 12.9K shares	Q4 2023 Held for 1y 11m
6 Vanguard Tax-Exempt Bond Index Fund VTEB	ETF ETF	$5.8M	4.33%	+$226.4K Bought	— 115.5K shares	Q4 2023 Held for 1y 11m
7 iShares MSCI ACWI ex US ACWX	ETF ETF	$5.7M	4.29%	+$197.6K Bought	— 88.2K shares	Q4 2023 Held for 1y 11m
8 iShares Core S&P 500 ETF IVV	ETF ETF	$5.4M	4.01%	+$2.4M Bought	— 8.0K shares	Q1 2024 Held for 1y 8m
9 Vanguard Small-Cap ETF VB	ETF ETF	$5.0M	3.73%	+$9.9K Bought	— 19.6K shares	Q4 2023 Held for 1y 11m
10 Schwab Fundamental U.S. Large Company FNDX	ETF ETF	$4.7M	3.54%	-$7.1K Sold	— 180.1K shares	Q4 2023 Held for 1y 11m

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Changes

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

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Market Value

$133.6M

Prior: $120.6M

Q/Q Change

+10.77%

+$13.0M

Net Flows % of MV

+3.6%

Turnover Ratio

3.16%

New Purchases

3 stocks

$715.7K

Added To

15 stocks

+$5.6M

Sold Out Of

3 stocks

$758.6K

Reduced Holdings

18 stocks

-$695.7K

Increased Positions

Position	Shares Δ	Change
1 Vanguard Mid-Cap Growth VOT	New	0 → 1.0K +$298.2K
2 Broadcom Inc. AVGO	New	0 → 659.0 +$217.4K
3 Schwab International Equity SCHF	New	0 → 8.6K +$200.0K
4 Vanguard S&P 500 ETF VOO	+171.51%	523.0 → 1.4K +$549.4K
5 iShares Core S&P 500 ETF IVV	+82.02%	4.4K → 8.0K +$2.4M

Decreased Positions

Position	Shares Δ	Change
1 iShares Short-Term National Muni Bond SUB	Sold	2.5K → 0 −$269.6K
2 SPDR Nuveen Bloomberg Short Term Municipal Bond SHM	Sold	5.3K → 0 −$251.5K
3 Vanguard Total International Bond BNDX	Sold	4.8K → 0 −$237.5K
4 Dimensional U.S. Targeted Value DFAT	-9.85%	6.9K → 6.3K −$39.8K
5 Visa V	-7.25%	1.1K → 1.0K −$27.0K