Wealth Forward, LLC

RIA/Wealth

Wealth Forward, LLC is a RIA/Wealth based in Fargo, ND led by Stephanie L Ternes, reporting $197.2M in AUM as of Q3 2025 with 93% ETF concentration and 76% concentrated in top 10 holdings.

CCOStephanie L Ternes

Portfolio Value: $172.2M
Positions: 43
Top Holding: OEF at 11.48%
Last Reported: Q3 2025

Address2632 47th St S., Suite 107, Fargo, ND, 58104, United States

Top Holdings

Largest long holdings in Wealth Forward, LLC's portfolio (76.3% of total portfolio)

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Holding	Sector	Position	Weight	Traded	Ownership	Owned Since
1 iShares S&P 100 OEF	ETF ETF	$19.8M	11.48%	-$298.6K Sold	— 59.4K shares	Q4 2023 Held for 1y 11m
2 Invesco S&P 500 Equal Weight ETF RSP	ETF ETF	$19.0M	11.05%	-$2.7M Sold	— 100.3K shares	Q4 2023 Held for 1y 11m
3 Schwab Fundamental U.S. Small Company FNDA	ETF ETF	$18.1M	10.51%	-$1.1M Sold	— 581.0K shares	Q4 2023 Held for 1y 11m
4 Vanguard FTSE Developed Markets VEA	ETF ETF	$15.4M	8.97%	-$6.0M Sold	— 257.7K shares	Q4 2023 Held for 1y 11m
5 Schwab Fundamental U.S. Large Company FNDX	ETF ETF	$14.4M	8.34%	+$1.5M Bought	— 546.3K shares	Q4 2023 Held for 1y 11m
6 iShares Trust IGSB	ETF ETF	$10.7M	6.21%	+$10.7M New	— 201.7K shares	Q3 2025 Held for 2 months
7 iShares TIPS Bond TIP	ETF ETF	$10.2M	5.90%	-$1.4M Sold	— 91.4K shares	Q4 2023 Held for 1y 11m
8 iShares Morningstar U.S. Equity ETF ILCB	ETF ETF	$9.0M	5.21%	+$9.0M New	— 97.1K shares	Q3 2025 Held for 2 months
9 BKAG BNY Mellon Core Bond BKAG	ETF ETF	$8.5M	4.95%	+$8.5M New	— 199.9K shares	Q3 2025 Held for 2 months
10 FNDE Schwab Fundamental Emerging Markets Equity FNDE	ETF ETF	$6.3M	3.67%	-$435.5K Sold	— 174.8K shares	Q4 2023 Held for 1y 11m

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Changes

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

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Market Value

$172.2M

Prior: $148.8M

Q/Q Change

+15.74%

+$23.4M

Net Flows % of MV

+8.56%

Turnover Ratio

17.39%

New Purchases

10 stocks

$41.0M

Added To

8 stocks

+$3.7M

Sold Out Of

1 stocks

$232.7K

Reduced Holdings

13 stocks

-$29.7M

Increased Positions

Position	Shares Δ	Change
1 iShares Trust IGSB	New	0 → 201.7K +$10.7M
2 iShares Morningstar U.S. Equity ETF ILCB	New	0 → 97.1K +$9.0M
3 BKAG BNY Mellon Core Bond BKAG	New	0 → 199.9K +$8.5M
4 BNY Mellon International Equity BKIE	New	0 → 68.8K +$6.2M
5 SPDR Portfolio High Yield Bond SPHY	New	0 → 227.5K +$5.4M

Decreased Positions

Position	Shares Δ	Change
1 iShares Core U.S. Aggregate Bond AGG	Sold	2.3K → 0 −$232.7K
2 iShares iBoxx High Yield Corporate Bond HYG	-95.98%	67.5K → 2.7K −$5.3M
3 Vanguard Short-Term Bond BSV	-93.46%	139.3K → 9.1K −$10.3M
4 Vanguard Total Stock Market VTI	-61.8%	2.5K → 963.0 −$511.3K
5 Vanguard FTSE Developed Markets VEA	-28.06%	358.2K → 257.7K −$6.0M