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Define Financial, LLC

CIK:0002021320
Investment Adviser
$276M AUM
40 holdings
San Diego, CA, United States
Founded:2014
4 employees
Latest filing:Sep 30, 2025

Define Financial, LLC is an SEC-registered investment adviser headquartered in San Diego, California, founded in 2014. The firm principally serves U.S. individuals—including both high net worth and non-high net worth clients—as well as charitable organizations. The company is privately owned by Taylor R. Schulte, Tyler J. Aubrey, and Joshua A. Rendler. Define Financial offers discretionary investment management, retirement, and tax planning, with a team of 4 employees who are primarily investment professionals. The firm's mission centers on providing customized financial solutions tailored to client goals, risk tolerances, and time horizons.

Investment Strategy

Define Financial delivers ongoing discretionary investment management tailored to each client’s financial status, goals, risk tolerance, income needs, and time horizon. Their approach employs diversified asset allocation based on historical and projected risks and returns. Investments are selected to reflect the client’s individual objectives, with the Adviser retaining full discretion over trading and portfolio adjustments. The firm emphasizes transparent, fee-only service, often integrating retirement, tax planning, and evidence-based investment selection to help clients achieve long-term financial security.

Latest 13F Filing Activity

Define Financial, LLC filed their most recent 13F report on Sep 30, 2025 disclosing 40 equity positions with a total 13F market value of $167M. The fund increased holdings in American Centy Etf TR, American Centy Etf TR, Vanguard Index FDS among other positions. Define Financial, LLC reduced exposure to Exxon Mobil Corp., Constellation Brands Inc., Airbnb Inc. among others.

Top Buys
A
AVDVAMERICAN CENTY ETF TR
+$2.5M
A
AVUVAMERICAN CENTY ETF TR
+$2.5M
V
VTIVANGUARD INDEX FDS
+$1.9M
V
VEUVANGUARD INTL EQUITY INDEX F
+$1.4M
V
VTIPVANGUARD MALVERN FDS
+$1.3M
Top Sells
X
XOMEXXON MOBIL CORP
-$970.2K
S
STZCONSTELLATION BRANDS INC
-$53.6K
A
ABNBAIRBNB INC
-$42.8K
T
TTEKTETRA TECH INC NEW
-$38.6K
C
CTASCINTAS CORP
-$30.4K

Top Holdings

A
AVUVAMERICAN CENTY ETF TR
+14.3%$23.8M
A
AVDVAMERICAN CENTY ETF TR
+14.1%$23.5M
V
VTIPVANGUARD MALVERN FDS
+13.5%$22.4M
V
VTIVANGUARD INDEX FDS
+13.4%$22.4M
V
VEUVANGUARD INTL EQUITY INDEX F
+11.8%$19.6M

Equity Positions (40)

TickerSecurityWeightMarket ValueSharesAvg CostPriceChange (QoQ)
AMERICAN CENTY ETF TR14.26%$23.8M238,823$95.62$99.53+$2.5M
AMERICAN CENTY ETF TR14.08%$23.5M263,495$65.39$89.03+$2.5M
VANGUARD MALVERN FDS13.46%$22.4M443,063$48.66$50.63+$1.3M
VANGUARD INDEX FDS13.42%$22.4M68,145$290.09$328.17+$1.9M
VANGUARD INTL EQUITY INDEX F11.77%$19.6M274,769$57.80$71.37+$1.4M

Industry Allocation

SERVICES-PREPACKAGED SOFTWARE
+1.3%
SERVICES-COMPUTER PROGRAMMING, DATA PROCESSING, ETC.
+0.6%
FIRE, MARINE & CASUALTY INSURANCE
+0.6%
ELECTRONIC COMPUTERS
+0.5%
SEMICONDUCTORS & RELATED DEVICES
+0.4%