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FinDec Wealth Services, Inc.

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13F filer, CIK 1916066, Stockton, CA

FinDec Wealth Services, Inc. reported $93,244,512 across 32 holdings for the quarter ended 2025-12-31, in a 13F-HR filed 2026-02-09. Its ten largest share positions make up 85.28% of the portfolio.

Filed (acceptance time not in the bulk data set), ingested 13F-HR 0001172661-26-000532

Period
2025-12-31
Reported value
$93.2M
Holdings
32
Top 10 weight
85.28%
New
1
Sold out
3

Largest buys vs the previous quarter

SecurityShares changeApprox. value
VCITnew+3,584$300K
VOOadded+268$168K
TSLAadded+101$45.4K
NVDAadded+155$28.9K
DFCFadded+627$26.7K

Ranked by the share change valued at this quarter's implied price (value over shares in the 13F). A position sold out is valued at the previous quarter's price, its last report.

Largest sells vs the previous quarter

SecurityShares changeApprox. value
SCHGreduced-25,899-$845K
DFAUreduced-17,753-$831K
DFAIreduced-21,604-$823K
DFLVreduced-23,558-$806K
CGCPreduced-30,825-$698K

Ranked by the share change valued at this quarter's implied price (value over shares in the 13F). A position sold out is valued at the previous quarter's price, its last report.

Holdings, Q4 2025

Share positions as resolved from 13F-HR 0001172661-26-000532, largest first. % of portfolio is the value over $93,244,512, the sum of the share positions whose value is usable for ratios (method).

SecurityHistorySharesValue% of portfolioChangeLatest eventTimeline
CGCPCAPITAL GRP FIXED INCM ETF TQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2024Q1: restricted; 2024Q2: restricted; 2024Q3: 864,326 shares; 2024Q4: 834,764 shares; 2025Q1: 735,168 shares; 2025Q2: 741,825 shares; 2025Q3: 742,467 shares; 2025Q4: 711,642 shares 711,642$16.1M17.28%-30,825Timeline
SCHGSCHWAB STRATEGIC TRQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2024Q1: restricted; 2024Q2: restricted; 2024Q3: 52,493 shares; 2024Q4: 166,674 shares; 2025Q1: 488,916 shares; 2025Q2: 453,667 shares; 2025Q3: 412,011 shares; 2025Q4: 386,112 shares 386,112$12.6M13.51%-25,899Timeline
DFLVDIMENSIONAL ETF TRUSTQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2024Q1: restricted; 2024Q2: restricted; 2024Q3: 321,917 shares; 2024Q4: 279,153 shares; 2025Q1: 390,773 shares; 2025Q2: 373,645 shares; 2025Q3: 368,279 shares; 2025Q4: 344,721 shares 344,721$11.8M12.65%-23,558Timeline
DFAUDIMENSIONAL ETF TRUSTQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2024Q1: restricted; 2024Q2: restricted; 2024Q3: 329,963 shares; 2024Q4: 275,356 shares; 2025Q1: 313,071 shares; 2025Q2: 282,101 shares; 2025Q3: 263,923 shares; 2025Q4: 246,170 shares 246,170$11.5M12.36%-17,753Timeline
DFAIDIMENSIONAL ETF TRUSTQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2024Q1: restricted; 2024Q2: restricted; 2024Q3: 117,593 shares; 2024Q4: 113,008 shares; 2025Q1: 277,475 shares; 2025Q2: 244,461 shares; 2025Q3: 233,916 shares; 2025Q4: 212,312 shares 212,312$8.09M8.68%-21,604Timeline
DFCFDIMENSIONAL ETF TRUSTQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2024Q1: restricted; 2024Q2: restricted; 2024Q3: 219,668 shares; 2024Q4: 210,827 shares; 2025Q1: 111,783 shares; 2025Q2: 119,413 shares; 2025Q3: 124,326 shares; 2025Q4: 124,953 shares 124,953$5.32M5.7%+627Timeline
VOVANGUARD INDEX FDSQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2024Q1: restricted; 2024Q2: restricted; 2024Q3: 19,131 shares; 2024Q4: 15,529 shares; 2025Q1: 19,414 shares; 2025Q2: 17,586 shares; 2025Q3: 17,005 shares; 2025Q4: 16,355 shares 16,355$4.75M5.09%-650Timeline
VBVANGUARD INDEX FDSQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2024Q1: restricted; 2024Q2: restricted; 2024Q3: 9,328 shares; 2024Q4: 8,180 shares; 2025Q1: 20,390 shares; 2025Q2: 18,937 shares; 2025Q3: 18,228 shares; 2025Q4: 17,260 shares 17,260$4.45M4.77%-968Timeline
VTIVANGUARD INDEX FDSQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2024Q1: restricted; 2024Q2: restricted; 2024Q3: not reported; 2024Q4: not reported; 2025Q1: 11,345 shares; 2025Q2: 8,603 shares; 2025Q3: 8,118 shares; 2025Q4: 7,665 shares 7,665$2.57M2.76%-453Timeline
DFAEDIMENSIONAL ETF TRUSTQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2024Q1: restricted; 2024Q2: restricted; 2024Q3: 245,322 shares; 2024Q4: 223,814 shares; 2025Q1: 112,423 shares; 2025Q2: 91,049 shares; 2025Q3: 78,205 shares; 2025Q4: 71,216 shares 71,216$2.32M2.49%-6,989Timeline
AAPLAPPLE INCQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2024Q1: restricted; 2024Q2: restricted; 2024Q3: 24,710 shares; 2024Q4: 21,935 shares; 2025Q1: 9,072 shares; 2025Q2: 8,172 shares; 2025Q3: 8,039 shares; 2025Q4: 7,939 shares 7,939$2.16M2.31%-100Timeline
SCHFSCHWAB STRATEGIC TRQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2024Q1: restricted; 2024Q2: restricted; 2024Q3: 72,206 shares; 2024Q4: 109,275 shares; 2025Q1: 84,067 shares; 2025Q2: 73,578 shares; 2025Q3: 72,176 shares; 2025Q4: 71,698 shares 71,698$1.72M1.85%-478Timeline
BRK-ABERKSHIRE HATHAWAY INC DELQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2024Q1: restricted; 2024Q2: restricted; 2024Q3: not reported; 2024Q4: not reported; 2025Q1: 2 shares; 2025Q2: 2 shares; 2025Q3: 2 shares; 2025Q4: 2 shares 2$1.51M1.62%0Timeline
BIVVANGUARD BD INDEX FDSQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2024Q1: restricted; 2024Q2: restricted; 2024Q3: not reported; 2024Q4: not reported; 2025Q1: 8,885 shares; 2025Q2: 15,998 shares; 2025Q3: 16,031 shares; 2025Q4: 16,071 shares 16,071$1.25M1.34%+40Timeline
SCHESCHWAB STRATEGIC TRQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2024Q1: restricted; 2024Q2: restricted; 2024Q3: 56,786 shares; 2024Q4: 44,549 shares; 2025Q1: 35,240 shares; 2025Q2: 29,695 shares; 2025Q3: 29,017 shares; 2025Q4: 29,017 shares 29,017$950K1.02%0Timeline
VOOVANGUARD INDEX FDSQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2024Q1: restricted; 2024Q2: restricted; 2024Q3: 2,816 shares; 2024Q4: 1,393 shares; 2025Q1: 967 shares; 2025Q2: 825 shares; 2025Q3: 808 shares; 2025Q4: 1,076 shares 1,076$675K0.72%+268Timeline
IHIISHARES TRQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2024Q1: restricted; 2024Q2: restricted; 2024Q3: 51,079 shares; 2024Q4: 40,829 shares; 2025Q1: 18,029 shares; 2025Q2: 12,501 shares; 2025Q3: 11,304 shares; 2025Q4: 10,120 shares 10,120$629K0.67%-1,184Timeline
CGDVCAPITAL GROUP DIVIDEND VALUEQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2024Q1: restricted; 2024Q2: restricted; 2024Q3: 412,944 shares; 2024Q4: 374,277 shares; 2025Q1: 42,799 shares; 2025Q2: 17,533 shares; 2025Q3: 12,279 shares; 2025Q4: 12,035 shares 12,035$525K0.56%-244Timeline
PEPPEPSICO INCQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2024Q1: restricted; 2024Q2: restricted; 2024Q3: 4,692 shares; 2024Q4: 3,658 shares; 2025Q1: 3,658 shares; 2025Q2: 3,681 shares; 2025Q3: 3,608 shares; 2025Q4: 3,608 shares 3,608$518K0.56%0Timeline
NVDANVIDIA CORPORATIONQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2024Q1: restricted; 2024Q2: restricted; 2024Q3: 22,261 shares; 2024Q4: 6,190 shares; 2025Q1: 6,812 shares; 2025Q2: 2,792 shares; 2025Q3: 2,530 shares; 2025Q4: 2,685 shares 2,685$501K0.54%+155Timeline
MSFTMICROSOFT CORPQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2024Q1: restricted; 2024Q2: restricted; 2024Q3: 3,408 shares; 2024Q4: 1,834 shares; 2025Q1: 1,098 shares; 2025Q2: 1,009 shares; 2025Q3: 986 shares; 2025Q4: 971 shares 971$469K0.5%-15Timeline
TSLATESLA INCQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2024Q1: restricted; 2024Q2: restricted; 2024Q3: 993 shares; 2024Q4: not reported; 2025Q1: not reported; 2025Q2: not reported; 2025Q3: 800 shares; 2025Q4: 901 shares 901$405K0.43%+101Timeline
SCHXSCHWAB STRATEGIC TRQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2024Q1: restricted; 2024Q2: restricted; 2024Q3: 32,479 shares; 2024Q4: 60,390 shares; 2025Q1: 24,388 shares; 2025Q2: 12,906 shares; 2025Q3: 12,797 shares; 2025Q4: 12,797 shares 12,797$344K0.37%0Timeline
DFATDIMENSIONAL ETF TRUSTQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2024Q1: restricted; 2024Q2: restricted; 2024Q3: 110,458 shares; 2024Q4: 98,714 shares; 2025Q1: 13,733 shares; 2025Q2: 6,563 shares; 2025Q3: 5,265 shares; 2025Q4: 5,177 shares 5,177$308K0.33%-88Timeline
VCITVANGUARD SCOTTSDALE FDSQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2024Q1: restricted; 2024Q2: restricted; 2024Q3: not reported; 2024Q4: not reported; 2025Q1: not reported; 2025Q2: not reported; 2025Q3: not reported; 2025Q4: 3,584 shares 3,584$300K0.32%newTimeline
DFIVDIMENSIONAL ETF TRUSTQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2024Q1: restricted; 2024Q2: restricted; 2024Q3: 177,801 shares; 2024Q4: 162,224 shares; 2025Q1: 18,257 shares; 2025Q2: 7,809 shares; 2025Q3: 5,605 shares; 2025Q4: 5,478 shares 5,478$273K0.29%-127Timeline
CGGRCAPITAL GROUP GROWTH ETFQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2024Q1: restricted; 2024Q2: restricted; 2024Q3: 139,872 shares; 2024Q4: 112,034 shares; 2025Q1: 16,459 shares; 2025Q2: 7,548 shares; 2025Q3: 6,058 shares; 2025Q4: 5,935 shares 5,935$264K0.28%-123Timeline
DFSDDIMENSIONAL ETF TRUSTQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2024Q1: restricted; 2024Q2: restricted; 2024Q3: 185,814 shares; 2024Q4: 173,020 shares; 2025Q1: 15,325 shares; 2025Q2: 7,925 shares; 2025Q3: 5,103 shares; 2025Q4: 4,836 shares 4,836$232K0.25%-267Timeline
CGUSCAPITAL GROUP CORE EQUITY ETQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2024Q1: restricted; 2024Q2: restricted; 2024Q3: 228,715 shares; 2024Q4: 183,446 shares; 2025Q1: 24,052 shares; 2025Q2: 7,739 shares; 2025Q3: 5,614 shares; 2025Q4: 5,451 shares 5,451$219K0.24%-163Timeline
CGGOCAPITAL GROUP GBL GROWTH EQTQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2024Q1: restricted; 2024Q2: restricted; 2024Q3: 284,547 shares; 2024Q4: 255,040 shares; 2025Q1: 27,976 shares; 2025Q2: 10,126 shares; 2025Q3: 6,556 shares; 2025Q4: 6,281 shares 6,281$218K0.23%-275Timeline
DFASDIMENSIONAL ETF TRUSTQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2024Q1: restricted; 2024Q2: restricted; 2024Q3: 52,066 shares; 2024Q4: 46,099 shares; 2025Q1: 7,051 shares; 2025Q2: 3,599 shares; 2025Q3: 3,022 shares; 2025Q4: 2,984 shares 2,984$208K0.22%-38Timeline
CRDFCARDIFF ONCOLOGY INCQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2024Q1: restricted; 2024Q2: restricted; 2024Q3: 16,000 shares; 2024Q4: 16,000 shares; 2025Q1: 16,000 shares; 2025Q2: 16,000 shares; 2025Q3: 16,000 shares; 2025Q4: 16,000 shares 16,000$45K0.05%0Timeline

Sold out in Q4 2025

Positions in the previous quarter's report that this quarter's report no longer lists.

SecurityShares beforeValue beforeType
CATHGLOBAL X FDS3,479$282Kshares
PSAPUBLIC STORAGE729$211Kshares
AMZNAMAZON COM INC946$208Kshares

How Q4 2025 was built

Available 13F filings of this filer for the quarter and their roles: the base report is the latest original or restatement, NEW HOLDINGS amendments filed after it are added (method).

FilingRoleAmendmentFiledAcceptedIngested
13F-HR 0001172661-26-000532 base2026-02-09acceptance time not in the bulk data set