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Financially Speaking Inc.

CIK:0002040901
Investment Adviser
$157M AUM
161 holdings
Greenwood Village, CO, US
Founded:1991
5 employees
Latest filing:Jun 30, 2025

Financially Speaking, Inc. is an independent investment advisory firm headquartered in Greenwood Village, Colorado. Founded in 1991 by Philip H. Luccock, CFP®, CMA, the firm offers personal financial advice and investment management. With a team of 5 employees, Financially Speaking, Inc. serves mainly individual clients, including families and professionals, trusts, estates, charitable organizations, and corporations. The firm focuses on delivering superior service and personalized advice, growing primarily through client referrals.

Investment Strategy

Financially Speaking, Inc. utilizes an active trading strategy with a dynamic asset allocation approach, adjusting portfolios based on current market conditions. The firm prioritizes wealth preservation and profit maximization, diversifying across assets, using analytical tools for monitoring client progress, and managing investments primarily in no-load/no-transaction-fee mutual funds. Tax minimization strategies are considered secondary to their focus on risk-aware growth. Their advisory services cover retirement planning, investment management, and education planning, tailored to each client’s unique goals, needs, and risk tolerance.

Latest 13F Filing Activity

Financially Speaking Inc. filed their most recent 13F report on Jun 30, 2025 disclosing 133 equity positions with a total 13F market value of $152M. The fund increased holdings in JPMorgan U S Tech Leaders Etf IV, JPMorgan Ultra Short Income Etf, Schwab Us Large Cap Growth Etf among other positions. Financially Speaking Inc. reduced exposure to Rheinmetall Fsponsored Adr 1 Adr Reps 0.2 Ord SHS, Berkshire Hathaway Class B, Bae SYS PLC Fsponsored Adr 1 Adr Reps 4 Ord SHS among others.

Top Buys
J
JTEKJPMORGAN U S TECH LEADERS ETF IV
+$16.8M
J
JPSTJPMORGAN ULTRA SHORT INCOME ETF
+$9.3M
S
SCHGSCHWAB US LARGE CAP GROWTH ETF
+$7.2M
F
FLDRFIDELITY LOW DURATION BOND FACTR ETF
+$6.9M
J
JPINJPMORGAN DIVERSIFIED RETURN INTERNAT
+$6.7M
Top Sells
R
RNMBYRHEINMETALL FSPONSORED ADR 1 ADR REPS 0.2 ORD SHS
-$8.3M
B
BRK-BBERKSHIRE HATHAWAY CLASS B
-$5.3M
B
BAESYBAE SYS PLC FSPONSORED ADR 1 ADR REPS 4 ORD SHS
-$4.8M
L
LMTLOCKHEED MARTIN CORP
-$187.2K
N
NOCNORTHROP GRUMMAN CORP
-$153.6K

Top Holdings

J
JTEKJPMORGAN U S TECH LEADERS ETF IV
+11.1%$16.8M
F
FLDRFIDELITY LOW DURATION BOND FACTR ETF
+6.1%$9.3M
J
JPSTJPMORGAN ULTRA SHORT INCOME ETF
+6.1%$9.3M
S
SCHGSCHWAB US LARGE CAP GROWTH ETF
+4.8%$7.2M
J
JPINJPMORGAN DIVERSIFIED RETURN INTERNAT
+4.4%$6.7M

Equity Positions (133)

TickerSecurityWeightMarket ValueSharesAvg CostPriceChange (QoQ)
JPMORGAN U S TECH LEADERS ETF IV11.08%$16.8M199,329$84.46$84.46+$16.8M
FIDELITY LOW DURATION BOND FACTR ETF6.10%$9.3M185,296$50.03$50.07+$6.9M
JPMORGAN ULTRA SHORT INCOME ETF6.10%$9.3M183,031$50.68$50.68+$9.3M
SCHWAB US LARGE CAP GROWTH ETF4.75%$7.2M247,157$29.21$29.21+$7.2M
JPMORGAN DIVERSIFIED RETURN INTERNAT4.44%$6.7M105,134$64.08$64.13+$6.7M

Industry Allocation

AMERICAN DEPOSITARY RECEIPTS
+10.3%
RETAIL-DEPARTMENT STORES
+3.7%
FIRE, MARINE & CASUALTY INSURANCE
+2.3%
SERVICES-PREPACKAGED SOFTWARE
+1.3%
SEMICONDUCTORS & RELATED DEVICES
+0.7%