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LOWERY THOMAS, LLC

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13F filer, CIK 1919701, PEBBLE BEACH, CA

LOWERY THOMAS, LLC reported $173,161,029 across 55 holdings for the quarter ended 2025-09-30, in a 13F-HR filed 2025-11-10. Its ten largest share positions make up 59.15% of the portfolio.

Filed (acceptance time not in the bulk data set), ingested 13F-HR 0001951757-25-001359

Period
2025-09-30
Reported value
$173M
Holdings
55
Top 10 weight
59.15%
New
2
Sold out
0

Largest buys vs the previous quarter

SecurityShares changeApprox. value
SCHGadded+31,504$1.01M
VUSBadded+18,727$936K
FNDXadded+20,596$542K
BNDadded+7,112$529K
SMHadded+1,171$382K

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
SPYreduced-1,452-$967K
IWNreduced-1,322-$234K
TSLAreduced-500-$222K
IWFreduced-263-$123K
IWOreduced-284-$90.9K

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, Q3 2025

Share positions as resolved from 13F-HR 0001951757-25-001359, largest first. % of portfolio is the value over $173,161,029, the sum of the share positions whose value is usable for ratios (method).

SecurityHistorySharesValue% of portfolioChangeLatest eventTimeline
SCHGSCHWAB STRATEGIC TRQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2023Q4: restricted; 2024Q1: restricted; 2024Q2: restricted; 2024Q3: 167,776 shares; 2024Q4: 686,046 shares; 2025Q1: 694,658 shares; 2025Q2: 682,694 shares; 2025Q3: 714,198 shares 714,198$22.8M13.16%+31,504Timeline
VOOVANGUARD INDEX FDSQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2023Q4: restricted; 2024Q1: restricted; 2024Q2: restricted; 2024Q3: 28,240 shares; 2024Q4: 28,891 shares; 2025Q1: 29,244 shares; 2025Q2: 27,579 shares; 2025Q3: 28,152 shares 28,152$17.2M9.96%+573Timeline
QQQMINVESCO EXCH TRADED FD TR IIQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2023Q4: restricted; 2024Q1: restricted; 2024Q2: restricted; 2024Q3: 47,294 shares; 2024Q4: 47,787 shares; 2025Q1: 47,377 shares; 2025Q2: 44,662 shares; 2025Q3: 45,941 shares 45,941$11.4M6.56%+1,279Timeline
FNDXSCHWAB STRATEGIC TRQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2023Q4: restricted; 2024Q1: restricted; 2024Q2: restricted; 2024Q3: 116,638 shares; 2024Q4: 363,149 shares; 2025Q1: 363,474 shares; 2025Q2: 351,269 shares; 2025Q3: 371,865 shares 371,865$9.78M5.65%+20,596Timeline
SPYSTATE STR SPDR S&P 500 ETF TQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2023Q4: restricted; 2024Q1: restricted; 2024Q2: restricted; 2024Q3: 14,508 shares; 2024Q4: 14,324 shares; 2025Q1: 15,140 shares; 2025Q2: 15,100 shares; 2025Q3: 13,648 shares 13,648$9.09M5.25%-1,452Timeline
QQQINVESCO QQQ TRQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2023Q4: restricted; 2024Q1: restricted; 2024Q2: restricted; 2024Q3: 13,024 shares; 2024Q4: 13,009 shares; 2025Q1: 13,203 shares; 2025Q2: 12,987 shares; 2025Q3: 12,998 shares 12,998$7.8M4.51%+11Timeline
IWFISHARES TRQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2023Q4: restricted; 2024Q1: restricted; 2024Q2: restricted; 2024Q3: 14,171 shares; 2024Q4: 14,136 shares; 2025Q1: 14,251 shares; 2025Q2: 14,265 shares; 2025Q3: 14,002 shares 14,002$6.56M3.79%-263Timeline
SCHVSCHWAB STRATEGIC TRQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2023Q4: restricted; 2024Q1: restricted; 2024Q2: restricted; 2024Q3: 72,648 shares; 2024Q4: 218,455 shares; 2025Q1: 219,264 shares; 2025Q2: 216,849 shares; 2025Q3: 223,696 shares 223,696$6.51M3.76%+6,847Timeline
SMHVANECK ETF TRUSTQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2023Q4: restricted; 2024Q1: restricted; 2024Q2: restricted; 2024Q3: 18,691 shares; 2024Q4: 19,280 shares; 2025Q1: 18,637 shares; 2025Q2: 16,749 shares; 2025Q3: 17,920 shares 17,920$5.85M3.38%+1,171Timeline
IWBISHARES TRQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2023Q4: restricted; 2024Q1: restricted; 2024Q2: restricted; 2024Q3: 14,888 shares; 2024Q4: 14,932 shares; 2025Q1: 14,969 shares; 2025Q2: 15,005 shares; 2025Q3: 14,882 shares 14,882$5.44M3.14%-123Timeline
IWOISHARES TRQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2023Q4: restricted; 2024Q1: restricted; 2024Q2: restricted; 2024Q3: 15,308 shares; 2024Q4: 15,219 shares; 2025Q1: 15,851 shares; 2025Q2: 15,216 shares; 2025Q3: 14,932 shares 14,932$4.78M2.76%-284Timeline
JEPIJ P MORGAN EXCHANGE TRADED FQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2023Q4: restricted; 2024Q1: restricted; 2024Q2: restricted; 2024Q3: 69,742 shares; 2024Q4: 75,411 shares; 2025Q1: 76,417 shares; 2025Q2: 69,831 shares; 2025Q3: 75,043 shares 75,043$4.28M2.47%+5,212Timeline
BNDVANGUARD BD INDEX FDSQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2023Q4: restricted; 2024Q1: restricted; 2024Q2: restricted; 2024Q3: 38,818 shares; 2024Q4: 49,914 shares; 2025Q1: 44,122 shares; 2025Q2: 47,365 shares; 2025Q3: 54,477 shares 54,477$4.05M2.34%+7,112Timeline
VUSBVANGUARD BD INDEX FDSQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2023Q4: restricted; 2024Q1: restricted; 2024Q2: restricted; 2024Q3: not reported; 2024Q4: 11,597 shares; 2025Q1: 41,070 shares; 2025Q2: 51,948 shares; 2025Q3: 70,675 shares 70,675$3.53M2.04%+18,727Timeline
FLDRFIDELITY MERRIMACK STR TRQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2023Q4: restricted; 2024Q1: restricted; 2024Q2: restricted; 2024Q3: 48,636 shares; 2024Q4: 65,512 shares; 2025Q1: 65,547 shares; 2025Q2: 62,475 shares; 2025Q3: 69,067 shares 69,067$3.47M2%+6,592Timeline
XMMOINVESCO EXCHANGE TRADED FD TQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2023Q4: restricted; 2024Q1: restricted; 2024Q2: restricted; 2024Q3: 26,950 shares; 2024Q4: 28,182 shares; 2025Q1: 26,613 shares; 2025Q2: 24,142 shares; 2025Q3: 25,474 shares 25,474$3.44M1.99%+1,332Timeline
SCHZSCHWAB STRATEGIC TRQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2023Q4: restricted; 2024Q1: restricted; 2024Q2: restricted; 2024Q3: 53,362 shares; 2024Q4: 131,291 shares; 2025Q1: 124,635 shares; 2025Q2: 123,794 shares; 2025Q3: 136,850 shares 136,850$3.21M1.85%+13,056Timeline
SCHOSCHWAB STRATEGIC TRQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2023Q4: restricted; 2024Q1: restricted; 2024Q2: restricted; 2024Q3: 83,285 shares; 2024Q4: 136,043 shares; 2025Q1: 125,033 shares; 2025Q2: 122,232 shares; 2025Q3: 128,488 shares 128,488$3.14M1.81%+6,256Timeline
SPYGSPDR SERIES TRUSTQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2023Q4: restricted; 2024Q1: restricted; 2024Q2: restricted; 2024Q3: 30,468 shares; 2024Q4: 30,225 shares; 2025Q1: 29,927 shares; 2025Q2: 29,673 shares; 2025Q3: 29,402 shares 29,402$3.07M1.77%-271Timeline
IWPISHARES TRQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2023Q4: restricted; 2024Q1: restricted; 2024Q2: restricted; 2024Q3: 22,857 shares; 2024Q4: 22,778 shares; 2025Q1: 22,622 shares; 2025Q2: 21,759 shares; 2025Q3: 21,576 shares 21,576$3.07M1.77%-183Timeline
VIOGVANGUARD ADMIRAL FDS INCQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2023Q4: restricted; 2024Q1: restricted; 2024Q2: restricted; 2024Q3: 27,602 shares; 2024Q4: 28,430 shares; 2025Q1: 26,763 shares; 2025Q2: 23,245 shares; 2025Q3: 24,342 shares 24,342$2.96M1.71%+1,097Timeline
DIASTATE STR SPDR DOW JONES INDQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2023Q4: restricted; 2024Q1: restricted; 2024Q2: restricted; 2024Q3: 5,655 shares; 2024Q4: 5,581 shares; 2025Q1: 6,358 shares; 2025Q2: 6,215 shares; 2025Q3: 6,210 shares 6,210$2.88M1.66%-5Timeline
SCHXSCHWAB STRATEGIC TRQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2023Q4: restricted; 2024Q1: restricted; 2024Q2: restricted; 2024Q3: 29,203 shares; 2024Q4: 99,070 shares; 2025Q1: 101,601 shares; 2025Q2: 94,377 shares; 2025Q3: 93,959 shares 93,959$2.47M1.43%-418Timeline
VOTVANGUARD INDEX FDSQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2023Q4: restricted; 2024Q1: restricted; 2024Q2: restricted; 2024Q3: 7,533 shares; 2024Q4: 7,585 shares; 2025Q1: 7,412 shares; 2025Q2: 7,097 shares; 2025Q3: 7,199 shares 7,199$2.12M1.22%+102Timeline
AAPLAPPLE INCQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2023Q4: restricted; 2024Q1: restricted; 2024Q2: restricted; 2024Q3: 7,337 shares; 2024Q4: 7,882 shares; 2025Q1: 7,751 shares; 2025Q2: 7,753 shares; 2025Q3: 7,716 shares 7,716$1.96M1.13%-37Timeline
XSVMINVESCO EXCHANGE TRADED FD TQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2023Q4: restricted; 2024Q1: restricted; 2024Q2: restricted; 2024Q3: 23,302 shares; 2024Q4: 24,414 shares; 2025Q1: 24,176 shares; 2025Q2: 24,312 shares; 2025Q3: 25,367 shares 25,367$1.43M0.83%+1,055Timeline
IWNISHARES TRQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2023Q4: restricted; 2024Q1: restricted; 2024Q2: restricted; 2024Q3: 9,373 shares; 2024Q4: 9,090 shares; 2025Q1: 9,591 shares; 2025Q2: 9,288 shares; 2025Q3: 7,966 shares 7,966$1.41M0.81%-1,322Timeline
NVDANVIDIA CORPORATIONQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2023Q4: restricted; 2024Q1: restricted; 2024Q2: restricted; 2024Q3: 5,752 shares; 2024Q4: 5,753 shares; 2025Q1: 6,033 shares; 2025Q2: 6,653 shares; 2025Q3: 6,653 shares 6,653$1.24M0.72%0Timeline
VOOVVANGUARD ADMIRAL FDS INCQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2023Q4: restricted; 2024Q1: restricted; 2024Q2: restricted; 2024Q3: 5,789 shares; 2024Q4: 5,854 shares; 2025Q1: 5,781 shares; 2025Q2: 5,684 shares; 2025Q3: 6,062 shares 6,062$1.21M0.7%+378Timeline
IWMISHARES TRQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2023Q4: restricted; 2024Q1: restricted; 2024Q2: restricted; 2024Q3: 4,804 shares; 2024Q4: 4,818 shares; 2025Q1: 4,778 shares; 2025Q2: 4,991 shares; 2025Q3: 4,985 shares 4,985$1.21M0.7%-6Timeline
XLKSELECT SECTOR SPDR TRQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2023Q4: restricted; 2024Q1: restricted; 2024Q2: restricted; 2024Q3: 4,034 shares; 2024Q4: 4,040 shares; 2025Q1: 4,208 shares; 2025Q2: 4,204 shares; 2025Q3: 4,144 shares 4,144$1.17M0.67%-60Timeline
XSMOINVESCO EXCHANGE TRADED FD TQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2023Q4: restricted; 2024Q1: restricted; 2024Q2: restricted; 2024Q3: 16,796 shares; 2024Q4: 16,249 shares; 2025Q1: 16,180 shares; 2025Q2: 15,001 shares; 2025Q3: 15,698 shares 15,698$1.15M0.67%+697Timeline
SHVISHARES TRQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2023Q4: restricted; 2024Q1: restricted; 2024Q2: restricted; 2024Q3: not reported; 2024Q4: 2,779 shares; 2025Q1: 7,387 shares; 2025Q2: 8,888 shares; 2025Q3: 9,673 shares 9,673$1.07M0.62%+785Timeline
SCHMSCHWAB STRATEGIC TRQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2023Q4: restricted; 2024Q1: restricted; 2024Q2: restricted; 2024Q3: 14,362 shares; 2024Q4: 44,471 shares; 2025Q1: 44,603 shares; 2025Q2: 31,797 shares; 2025Q3: 33,186 shares 33,186$984K0.57%+1,389Timeline
SHYISHARES TRQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2023Q4: restricted; 2024Q1: restricted; 2024Q2: restricted; 2024Q3: not reported; 2024Q4: 3,736 shares; 2025Q1: 9,289 shares; 2025Q2: 10,642 shares; 2025Q3: 11,833 shares 11,833$982K0.57%+1,191Timeline
KLACKLA CORPQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2023Q4: restricted; 2024Q1: restricted; 2024Q2: restricted; 2024Q3: 1,009 shares; 2024Q4: 1,009 shares; 2025Q1: 979 shares; 2025Q2: 909 shares; 2025Q3: 909 shares 909$980K0.57%0Timeline
TSLATESLA INCQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2023Q4: restricted; 2024Q1: restricted; 2024Q2: restricted; 2024Q3: not reported; 2024Q4: not reported; 2025Q1: 3,247 shares; 2025Q2: 2,687 shares; 2025Q3: 2,187 shares 2,187$973K0.56%-500Timeline
AMZNAMAZON COM INCQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2023Q4: restricted; 2024Q1: restricted; 2024Q2: restricted; 2024Q3: 2,590 shares; 2024Q4: 4,680 shares; 2025Q1: 4,080 shares; 2025Q2: 4,080 shares; 2025Q3: 4,080 shares 4,080$896K0.52%0Timeline
SPYVSPDR SERIES TRUSTQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2023Q4: restricted; 2024Q1: restricted; 2024Q2: restricted; 2024Q3: 23,397 shares; 2024Q4: 20,386 shares; 2025Q1: 17,647 shares; 2025Q2: 15,367 shares; 2025Q3: 14,837 shares 14,837$821K0.47%-530Timeline
IWDISHARES TRQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2023Q4: restricted; 2024Q1: restricted; 2024Q2: restricted; 2024Q3: 4,231 shares; 2024Q4: 4,254 shares; 2025Q1: 4,071 shares; 2025Q2: 4,089 shares; 2025Q3: 3,806 shares 3,806$775K0.45%-283Timeline
AIQGLOBAL X FDSQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2023Q4: restricted; 2024Q1: restricted; 2024Q2: restricted; 2024Q3: 14,469 shares; 2024Q4: 19,968 shares; 2025Q1: 19,973 shares; 2025Q2: 13,972 shares; 2025Q3: 14,285 shares 14,285$706K0.41%+313Timeline
MSFTMICROSOFT CORPQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2023Q4: restricted; 2024Q1: restricted; 2024Q2: restricted; 2024Q3: 1,242 shares; 2024Q4: 1,403 shares; 2025Q1: 1,346 shares; 2025Q2: 1,246 shares; 2025Q3: 1,247 shares 1,247$646K0.37%+1Timeline
SCHASCHWAB STRATEGIC TRQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2023Q4: restricted; 2024Q1: restricted; 2024Q2: restricted; 2024Q3: 16,654 shares; 2024Q4: 33,880 shares; 2025Q1: 33,059 shares; 2025Q2: 17,289 shares; 2025Q3: 20,652 shares 20,652$576K0.33%+3,363Timeline
METAMETA PLATFORMS INCQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2023Q4: restricted; 2024Q1: restricted; 2024Q2: restricted; 2024Q3: 757 shares; 2024Q4: 758 shares; 2025Q1: 758 shares; 2025Q2: 759 shares; 2025Q3: 759 shares 759$557K0.32%0Timeline
QLDPROSHARES TRQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2023Q4: restricted; 2024Q1: restricted; 2024Q2: restricted; 2024Q3: 3,549 shares; 2024Q4: 3,553 shares; 2025Q1: 3,703 shares; 2025Q2: 3,834 shares; 2025Q3: 3,839 shares 3,839$527K0.3%+5Timeline
VOVANGUARD INDEX FDSQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2023Q4: restricted; 2024Q1: restricted; 2024Q2: restricted; 2024Q3: 1,385 shares; 2024Q4: 1,390 shares; 2025Q1: 1,397 shares; 2025Q2: 1,566 shares; 2025Q3: 1,551 shares 1,551$456K0.26%-15Timeline
SOXXISHARES TRQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2023Q4: restricted; 2024Q1: restricted; 2024Q2: restricted; 2024Q3: 947 shares; 2024Q4: 949 shares; 2025Q1: 1,351 shares; 2025Q2: 1,354 shares; 2025Q3: 1,356 shares 1,356$368K0.21%+2Timeline
SLYGSPDR SERIES TRUSTQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2023Q4: restricted; 2024Q1: restricted; 2024Q2: restricted; 2024Q3: 4,856 shares; 2024Q4: 3,962 shares; 2025Q1: 3,259 shares; 2025Q2: 3,569 shares; 2025Q3: 3,578 shares 3,578$337K0.19%+9Timeline
VOEVANGUARD INDEX FDSQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2023Q4: restricted; 2024Q1: restricted; 2024Q2: restricted; 2024Q3: 2,510 shares; 2024Q4: 2,285 shares; 2025Q1: 2,191 shares; 2025Q2: 1,886 shares; 2025Q3: 1,896 shares 1,896$331K0.19%+10Timeline
GOOGALPHABET INCQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2023Q4: restricted; 2024Q1: restricted; 2024Q2: restricted; 2024Q3: not reported; 2024Q4: 1,143 shares; 2025Q1: not reported; 2025Q2: 1,146 shares; 2025Q3: 1,147 shares 1,147$279K0.16%+1Timeline
MDYSTATE STR SPDR S&P MIDCAP 40Quarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2023Q4: restricted; 2024Q1: restricted; 2024Q2: restricted; 2024Q3: 364 shares; 2024Q4: 365 shares; 2025Q1: not reported; 2025Q2: 367 shares; 2025Q3: 468 shares 468$279K0.16%+101Timeline
SCHDSCHWAB STRATEGIC TRQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2023Q4: restricted; 2024Q1: restricted; 2024Q2: restricted; 2024Q3: not reported; 2024Q4: not reported; 2025Q1: 7,197 shares; 2025Q2: 7,767 shares; 2025Q3: 8,960 shares 8,960$245K0.14%+1,193Timeline
UYGPROSHARES TRQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2023Q4: restricted; 2024Q1: restricted; 2024Q2: restricted; 2024Q3: not reported; 2024Q4: not reported; 2025Q1: 2,446 shares; 2025Q2: 2,453 shares; 2025Q3: 2,464 shares 2,464$245K0.14%+11Timeline
PLTRPALANTIR TECHNOLOGIES INCQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2023Q4: restricted; 2024Q1: restricted; 2024Q2: restricted; 2024Q3: not reported; 2024Q4: not reported; 2025Q1: not reported; 2025Q2: not reported; 2025Q3: 1,310 shares 1,310$239K0.14%newTimeline
RWLINVESCO EXCH TRADED FD TR IIQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2023Q4: restricted; 2024Q1: restricted; 2024Q2: restricted; 2024Q3: 2,115 shares; 2024Q4: 2,122 shares; 2025Q1: not reported; 2025Q2: not reported; 2025Q3: 1,843 shares 1,843$204K0.12%newTimeline

How Q3 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 0001951757-25-001359 base2025-11-10acceptance time not in the bulk data set