Wolff Financial Management LLC

RIA/Wealth

Wolff Financial Management LLC is a RIA/Wealth based in Kalamazoo, MI led by Matthew Rolland Wolff, reporting $531.7M in AUM as of Q3 2025 with 83% ETF concentration, 72% concentrated in top 10 holdings, and minimal technology exposure.

Managing PartnerMatthew Rolland Wolff

Portfolio Value: $430.8M
Positions: 101
Top Holding: VUG at 10.14%
Last Reported: Q3 2025

Address5938 Venture Park Drive, Kalamazoo, MI, 49009, United States

Top Holdings

Largest long holdings in Wolff Financial Management LLC's portfolio (72% of total portfolio)

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Holding	Sector	Position	Weight	Traded	Ownership	Owned Since
1 Vanguard Growth VUG	ETF ETF	$43.7M	10.14%	-$1.8M Sold	— 91.0K shares	Q4 2021 Held for 3y 11m
2 Vanguard FTSE Developed Markets VEA	ETF ETF	$41.5M	9.64%	-$168.9K Sold	— 693.2K shares	Q4 2022 Held for 2y 11m
3 iShares Core Dividend Growth DGRO	ETF ETF	$36.6M	8.49%	+$1.0M Bought	— 537.4K shares	Q3 2021 Held for 4y 2m
4 SDY SPDR S&P Dividend ETF SDY	ETF ETF	$34.6M	8.04%	+$1.3M Bought	— 247.2K shares	Q3 2021 Held for 4y 2m
5 Vanguard High Dividend Yield VYM	ETF ETF	$30.6M	7.10%	+$849.6K Bought	— 216.9K shares	Q4 2021 Held for 3y 11m
6 Vanguard Small-Cap ETF VB	ETF ETF	$29.9M	6.95%	+$1.0M Bought	— 117.7K shares	Q4 2021 Held for 3y 11m
7 Vanguard Short-Term Corporate Bond VCSH	ETF ETF	$29.4M	6.82%	+$5.5M Bought	— 367.4K shares	Q3 2021 Held for 4y 2m
8 Vanguard Short-Term Treasury VGSH	ETF ETF	$25.8M	5.99%	+$4.5M Bought	— 438.6K shares	Q4 2022 Held for 2y 11m
9 Vanguard Mid-Cap Fund VO	ETF ETF	$25.5M	5.93%	+$333.1K Bought	— 86.9K shares	Q4 2021 Held for 3y 11m
10 VCRB Vanguard Core Bond VCRB	ETF ETF	$12.5M	2.89%	+$12.5M New	— 159.0K shares	Q3 2025 Held for 2 months

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Changes

Portfolio activity, position movements, and quarter-over-quarter changes in Wolff Financial Management LLC's latest filing

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Market Value

$430.8M

Prior: $371.4M

Q/Q Change

+16.0%

+$59.4M

Net Flows % of MV

+9.29%

Turnover Ratio

5.56%

New Purchases

11 stocks

$29.2M

Added To

27 stocks

+$14.8M

Sold Out Of

1 stocks

Reduced Holdings

43 stocks

-$4.2M

Increased Positions

Position	Shares Δ	Change
1 VCRB Vanguard Core Bond VCRB	New	0 → 159.0K +$12.5M
2 Vanguard Mid-Cap Growth VOT	New	0 → 40.4K +$11.9M
3 Vanguard Dividend Appreciation VIG	New	0 → 6.2K +$1.3M
4 Vanguard Tax-Exempt Bond Index Fund VTEB	New	0 → 19.9K +$994.2K
5 VAW Vanguard Materials VAW	New	0 → 4.1K +$849.9K

Decreased Positions

Position	Shares Δ	Change
1 NUV Nuveen Municipal Value Fund NUV	Sold	0 → - +-
2 VanEck Morningstar Wide Moat ETF MOAT	-30.47%	2.9K → 2.0K −$88.1K
3 VDC Vanguard Consumer Staples VDC	-12.95%	8.4K → 7.3K −$232.7K
4 Verizon Communications VZ	-12.16%	26.7K → 23.4K −$142.4K
5 Apple AAPL	-10.96%	19.7K → 17.6K −$550.5K

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Analytics

Portfolio insights and performance metrics for Wolff Financial Management LLC

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Sector Allocation

ETF

83.30%

Healthcare

3.00%

Technology

2.80%

Consumer Defensive

2.00%

Financial Services

1.50%

Industrials

1.10%

Communication Services

0.60%

Energy

0.60%

Consumer Cyclical

0.50%

Utilities

0.30%

Market Cap Distribution

Mega Cap (> $200B)

7.42%

Large Cap ($10B - $200B)

4.80%

Mid Cap ($2B - $10B)

1.08%

N/A (ETF or Unknown)

86.70%

Portfolio Concentration

Top 10 Holdings %

71.98%

Top 20 Holdings %

84.75%

Top 50 Holdings %

94.75%

Top 100 Holdings %

99.95%