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Theory Financial LLC
Theory Financial LLC is an SEC-registered investment adviser headquartered in Fort Collins, Colorado. Founded by Ryan C. Stout, CFP®, the firm focuses on providing comprehensive financial planning and investment management, primarily serving individuals and high-net-worth individuals across the United States. The firm employs three professionals (as of 2025), all of whom are investment advisers. Established to offer transparent, client-driven financial guidance, Theory Financial leverages multi-decade expertise to help families and individuals prepare for, enjoy, and live throughout retirement, addressing their unique financial goals and risks.
Investment Strategy
Theory Financial LLC emphasizes personalized and holistic financial planning, with portfolios tailored to each client’s circumstances, risk tolerance, and long-term objectives. The firm employs a disciplined investment process, focusing on cost-efficient, transparent, and evidence-based strategies designed for retirement planning, risk mitigation, and legacy building. Theory prioritizes low costs, avoidance of conflicts of interest, and a client-first approach, aiming to minimize unnecessary risk and optimize client outcomes over the long term.
Latest 13F Filing Activity
Theory Financial LLC filed their most recent 13F report on Jun 30, 2025 disclosing 84 equity positions with a total 13F market value of $264M. The fund increased holdings in Select Sector SPDR TR, Vanguard World FD, Tidal Trust I among other positions. Theory Financial LLC reduced exposure to Select Sector SPDR TR, Vanguard Scottsdale FDS, SPDR Series Trust among others.
Top Holdings
Equity Positions (84)
| Ticker | Security | Weight | Market Value | Shares | Avg Cost | Price | Change (QoQ) |
|---|---|---|---|---|---|---|---|
V VFH | VANGUARD WORLD FD | 11.59% | $30.6M | 239,151 | $109.10 | $127.30 | +$10.0M |
S SCHZ | SCHWAB STRATEGIC TR | 10.11% | $26.6M | 1,153,479 | $23.34 | $23.24 | -$411.1K |
X XLC | SELECT SECTOR SPDR TR | 10.10% | $26.6M | 247,839 | $94.69 | $108.53 | +$11.3M |
M MBB | ISHARES TR | 3.96% | $10.4M | 112,049 | $92.89 | $93.89 | +$560.8K |
I IGIB | ISHARES TR | 3.35% | $8.8M | 166,345 | $50.83 | $53.29 | +$1.3M |
Industry Allocation
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