# EDGAR Filing Document

**Accession Number:** 0001737112
**File Stem:** 0001737112-23-000001
**Filing Date:** 2023-2
**Character Count:** 11551
**Document Hash:** 5795763cb4cdd6d569c479cf36a62fdc
**Contains OCR:** False
**Source Format:** 

## Filing Content

## Filing Summary
**0001737112-23-000001.hdr.sgml**: 20230207

**ACCESSION NUMBER**: 0001737112-23-000001

**CONFORMED SUBMISSION TYPE**: 13F-HR

**PUBLIC DOCUMENT COUNT**: 2

**CONFORMED PERIOD OF REPORT**: 20221231

**FILED AS OF DATE**: 20230207

**DATE AS OF CHANGE**: 20230206

**EFFECTIVENESS DATE**: 20230207

**FILER**: 

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** Lutz Financial Services LLC
- **CENTRAL INDEX KEY:** 0001737112
- **IRS NUMBER:** 470828178

**FILING VALUES:**
- **FORM TYPE:** 13F-HR
- **SEC ACT:** 1934 Act
- **SEC FILE NUMBER:** 028-18716
- **FILM NUMBER:** 23592090

**BUSINESS ADDRESS:**
- **STREET 1:** 13616 CALIFORNIA ST
- **STREET 2:** SUITE 200
- **CITY:** OMAHA
- **STATE:** NE
- **ZIP:** 68154
- **BUSINESS PHONE:** 402-827-2300

**MAIL ADDRESS:**
- **STREET 1:** 13616 CALIFORNIA ST
- **STREET 2:** SUITE 200
- **CITY:** OMAHA
- **STATE:** NE
- **ZIP:** 68154

### FORM 13F COVER PAGE

**Report for the Calendar Year or Quarter Ended:** 12-31-2022

**Check here if Amendment** [ ] **Amendment Number:** 

**This Amendment (Check only one.):** [ ] is a restatement.

[ ] adds new holdings entries.

**Institutional Investment Manager Filing this Report:**

**Name:** Lutz Financial Services LLC<br>**Address:** 13616 CALIFORNIA ST<br>SUITE 200<br>OMAHA, NE 68154

**Form 13F File Number:** 028-18716

**CRD Number (if applicable):** 000117273

**SEC File Number (if applicable):** 801-62093

The institutional investment manager filing this report and the person by whom it is signed hereby represent that the person signing the report is authorized to submit it, that all information contained herein is true, correct and complete, and that it is understood that all required items, statements, schedules, lists, and tables, are considered integral parts of this form.

**Person Signing this Report on Behalf of Reporting Manager:**

**Name:** James P. Boulay<br>**Title:** Chief Compliance Officer<br>**Phone:** 402-827-2300

**Signature, Place, and Date of Signing:**

James P. Boulay  Omaha, NE  02-06-2023<br>[Signature]  [City, State]  [Date]

**Report Type (Check only one.):**

[x] **13F HOLDINGS REPORT.** (Check here if all holdings of this reporting manager are reported in this report.)

[ ] **13F NOTICE.** (Check here if no holdings are reported in this report, and all holdings are reported by other reporting manager(s).)

[ ] **13F COMBINATION REPORT.** (Check here if a portion of the holdings for this reporting manager are reported in this report and a portion are reported by other reporting manager(s).)

### Form 13F Summary Page

**Report Summary:**

**Number of Other Included Managers:** 0

**Form 13F Information Table Entry Total:** 75

**Form 13F Information Table Value Total:** $814178243

      (round to nearest dollar)

**List of Other Included Managers:**

Provide a numbered list of the name(s) and Form 13F file number(s) of all institutional investment managers with respect to which this report is filed, other than the manager filing this report.

[If there are no entries in this list, state “NONE” and omit the column headings and list entries.]

**NONE**

### FORM 13F INFORMATION TABLE

---

|  |  |  |  |  |  |  |  |  |  |  |  |  |
| --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- |
| NAME OF ISSUER | TITLE OF CLASS | CUSIP | FIGI | VALUE (x$1000) | SHRS OR PRN AMT | SH/PRN | PUT/CALL | INVESTMENT DISCRETION | OTHER MANAGER | VOTING AUTHORITY | VOTING AUTHORITY | VOTING AUTHORITY |
| NAME OF ISSUER | TITLE OF CLASS | CUSIP | FIGI | VALUE (x$1000) | SHRS OR PRN AMT | SH/PRN | PUT/CALL | INVESTMENT DISCRETION | OTHER MANAGER | SOLE | SHARED | NONE |
| AMAZON COM INC | COM | 023135106 |  | 258972 | 3083 | SH |  | SOLE |  | 0 | 0 | 3083 |
| AMERICAN CENTY ETF TR | US SML CP VALU | 025072877 |  | 2118021 | 28426 | SH |  | SOLE |  | 0 | 0 | 28426 |
| AMERICAN CENTY ETF TR | INTL EQT ETF | 025072703 |  | 6106957 | 114814 | SH |  | SOLE |  | 0 | 0 | 114814 |
| APPLE INC | COM | 037833100 |  | 1223196 | 9414 | SH |  | SOLE |  | 0 | 0 | 9414 |
| BERKSHIRE HATHAWAY INC DEL | CL B NEW | 084670702 |  | 2613603 | 8461 | SH |  | SOLE |  | 0 | 0 | 8461 |
| DIMENSIONAL ETF TRUST | US SMALL CAP ETF | 25434V500 |  | 11482047 | 224478 | SH |  | SOLE |  | 0 | 0 | 224478 |
| DIMENSIONAL ETF TRUST | US MKTWIDE VALUE | 25434V724 |  | 5288141 | 157949 | SH |  | SOLE |  | 0 | 0 | 157949 |
| DIMENSIONAL ETF TRUST | INTERNATNAL VAL | 25434V807 |  | 879970 | 28946 | SH |  | SOLE |  | 0 | 0 | 28946 |
| DIMENSIONAL ETF TRUST | EMERGING MKTS CO | 25434V732 |  | 893818 | 39796 | SH |  | SOLE |  | 0 | 0 | 39796 |
| DIMENSIONAL ETF TRUST | US TARGETED VLU | 25434V609 |  | 6515836 | 148256 | SH |  | SOLE |  | 0 | 0 | 148256 |
| DIMENSIONAL ETF TRUST | US CORE EQUITY 2 | 25434V708 |  | 5582142 | 229907 | SH |  | SOLE |  | 0 | 0 | 229907 |
| DIMENSIONAL ETF TRUST | US HIGH PROFITAB | 25434V831 |  | 561354 | 23380 | SH |  | SOLE |  | 0 | 0 | 23380 |
| DIMENSIONAL ETF TRUST | INTL CORE EQUITY | 25434V799 |  | 2591617 | 115956 | SH |  | SOLE |  | 0 | 0 | 115956 |
| ISHARES INC | CORE MSCI EMKT | 46434G103 |  | 4360122 | 93365 | SH |  | SOLE |  | 0 | 0 | 93365 |
| ISHARES TR | ISHS 5-10YR INVT | 464288638 |  | 327741 | 6620 | SH |  | SOLE |  | 0 | 0 | 6620 |
| ISHARES TR | RUS 1000 VAL ETF | 464287598 |  | 580061 | 3825 | SH |  | SOLE |  | 0 | 0 | 3825 |
| ISHARES TR | RUSSELL 3000 ETF | 464287689 |  | 3366032 | 15253 | SH |  | SOLE |  | 0 | 0 | 15253 |
| ISHARES TR | 1 3 YR TREAS BD | 464287457 |  | 220776 | 2720 | SH |  | SOLE |  | 0 | 0 | 2720 |
| ISHARES TR | SP SMCP600VL ETF | 464287879 |  | 4301443 | 47108 | SH |  | SOLE |  | 0 | 0 | 47108 |
| ISHARES TR | CORE S SCP ETF | 464287804 |  | 16140509 | 170546 | SH |  | SOLE |  | 0 | 0 | 170546 |
| ISHARES TR | CORE S US VLU | 464287663 |  | 10361878 | 146706 | SH |  | SOLE |  | 0 | 0 | 146706 |
| ISHARES TR | TIPS BD ETF | 464287176 |  | 20095140 | 188793 | SH |  | SOLE |  | 0 | 0 | 188793 |
| ISHARES TR | SHRT NAT MUN ETF | 464288158 |  | 18404072 | 176504 | SH |  | SOLE |  | 0 | 0 | 176504 |
| ISHARES TR | NATIONAL MUN ETF | 464288414 |  | 5439974 | 51554 | SH |  | SOLE |  | 0 | 0 | 51554 |
| ISHARES TR | MSCI USA QLT FCT | 46432F339 |  | 7510078 | 65901 | SH |  | SOLE |  | 0 | 0 | 65901 |
| ISHARES TR | RUS 2000 VAL ETF | 464287630 |  | 629839 | 4542 | SH |  | SOLE |  | 0 | 0 | 4542 |
| ISHARES TR | RUSSELL 2000 ETF | 464287655 |  | 702348 | 4028 | SH |  | SOLE |  | 0 | 0 | 4028 |
| ISHARES TR | S 500 VAL ETF | 464287408 |  | 18683215 | 128788 | SH |  | SOLE |  | 0 | 0 | 128788 |
| ISHARES TR | MSCI EAFE ETF | 464287465 |  | 282651 | 4306 | SH |  | SOLE |  | 0 | 0 | 4306 |
| ISHARES TR | ISHS 1-5YR INVS | 464288646 |  | 25261573 | 507057 | SH |  | SOLE |  | 0 | 0 | 507057 |
| ISHARES TR | CORE S ETF | 464287200 |  | 10543711 | 27443 | SH |  | SOLE |  | 0 | 0 | 27443 |
| ISHARES TR | CORE US AGGBD ET | 464287226 |  | 18729430 | 193107 | SH |  | SOLE |  | 0 | 0 | 193107 |
| ISHARES TR | RUS MID CAP ETF | 464287499 |  | 290938 | 4313 | SH |  | SOLE |  | 0 | 0 | 4313 |
| ISHARES TR | CORE S MCP ETF | 464287507 |  | 62090191 | 256688 | SH |  | SOLE |  | 0 | 0 | 256688 |
| ISHARES TR | CORE 1 5 YR USD | 46432F859 |  | 4070641 | 87654 | SH |  | SOLE |  | 0 | 0 | 87654 |
| ISHARES TR | S MC 400VL ETF | 464287705 |  | 13350354 | 132444 | SH |  | SOLE |  | 0 | 0 | 132444 |
| JOHNSON  JOHNSON | COM | 478160104 |  | 227879 | 1290 | SH |  | SOLE |  | 0 | 0 | 1290 |
| JPMORGAN CHASE  CO | COM | 46625H100 |  | 202089 | 1507 | SH |  | SOLE |  | 0 | 0 | 1507 |
| MICROSOFT CORP | COM | 594918104 |  | 666460 | 2779 | SH |  | SOLE |  | 0 | 0 | 2779 |
| PIMCO ETF TR | 1-5 US TIP IDX | 72201R205 |  | 4504957 | 90334 | SH |  | SOLE |  | 0 | 0 | 90334 |
| SCHWAB STRATEGIC TR | SCHWB FDT INT LG | 808524755 |  | 1123119 | 38635 | SH |  | SOLE |  | 0 | 0 | 38635 |
| SCHWAB STRATEGIC TR | US SML CAP ETF | 808524607 |  | 6468901 | 159687 | SH |  | SOLE |  | 0 | 0 | 159687 |
| SCHWAB STRATEGIC TR | US REIT ETF | 808524847 |  | 682205 | 35366 | SH |  | SOLE |  | 0 | 0 | 35366 |
| SCHWAB STRATEGIC TR | US LCAP GR ETF | 808524300 |  | 405195 | 7293 | SH |  | SOLE |  | 0 | 0 | 7293 |
| SCHWAB STRATEGIC TR | US MID-CAP ETF | 808524508 |  | 11427237 | 174169 | SH |  | SOLE |  | 0 | 0 | 174169 |
| SCHWAB STRATEGIC TR | US LRG CAP ETF | 808524201 |  | 10292727 | 227967 | SH |  | SOLE |  | 0 | 0 | 227967 |
| SCHWAB STRATEGIC TR | SHT TM US TRES | 808524862 |  | 598520 | 12407 | SH |  | SOLE |  | 0 | 0 | 12407 |
| SCHWAB STRATEGIC TR | US TIPS ETF | 808524870 |  | 30794569 | 594605 | SH |  | SOLE |  | 0 | 0 | 594605 |
| SPDR INDEX SHS FDS | MSCI EMRG MKTS | 78463X426 |  | 273526 | 5120 | SH |  | SOLE |  | 0 | 0 | 5120 |
| SPDR S 500 ETF TR | TR UNIT | 78462F103 |  | 30589226 | 79986 | SH |  | SOLE |  | 0 | 0 | 79986 |
| SPDR S MIDCAP 400 ETF TR | UTSER1 S | 78467Y107 |  | 8882208 | 20060 | SH |  | SOLE |  | 0 | 0 | 20060 |
| SPDR SER TR | PRTFLO S VL | 78464A508 |  | 78485820 | 2018149 | SH |  | SOLE |  | 0 | 0 | 2018149 |
| SPDR SER TR | S 400 MDCP VAL | 78464A839 |  | 35802875 | 553196 | SH |  | SOLE |  | 0 | 0 | 553196 |
| SPDR SER TR | S 600 SMCP VAL | 78464A300 |  | 13050156 | 175831 | SH |  | SOLE |  | 0 | 0 | 175831 |
| VANGUARD ADMIRAL FDS INC | 500 VAL IDX FD | 921932703 |  | 13194137 | 94203 | SH |  | SOLE |  | 0 | 0 | 94203 |
| VANGUARD ADMIRAL FDS INC | MIDCP 400 VAL | 921932844 |  | 10913282 | 71133 | SH |  | SOLE |  | 0 | 0 | 71133 |
| VANGUARD BD INDEX FDS | TOTAL BND MRKT | 921937835 |  | 53130750 | 739571 | SH |  | SOLE |  | 0 | 0 | 739571 |
| VANGUARD BD INDEX FDS | SHORT TRM BOND | 921937827 |  | 11533465 | 153208 | SH |  | SOLE |  | 0 | 0 | 153208 |
| VANGUARD INDEX FDS | VALUE ETF | 922908744 |  | 6775764 | 48271 | SH |  | SOLE |  | 0 | 0 | 48271 |
| VANGUARD INDEX FDS | REAL ESTATE ETF | 922908553 |  | 4440811 | 53841 | SH |  | SOLE |  | 0 | 0 | 53841 |
| VANGUARD INDEX FDS | SMALL CP ETF | 922908751 |  | 999786 | 5447 | SH |  | SOLE |  | 0 | 0 | 5447 |
| VANGUARD INDEX FDS | MID CAP ETF | 922908629 |  | 860363 | 4221 | SH |  | SOLE |  | 0 | 0 | 4221 |
| VANGUARD INDEX FDS | TOTAL STK MKT | 922908769 |  | 915696 | 4789 | SH |  | SOLE |  | 0 | 0 | 4789 |
| VANGUARD INDEX FDS | MCAP VL IDXVIP | 922908512 |  | 9027545 | 66752 | SH |  | SOLE |  | 0 | 0 | 66752 |
| VANGUARD INDEX FDS | S 500 ETF SHS | 922908363 |  | 78506593 | 223449 | SH |  | SOLE |  | 0 | 0 | 223449 |
| VANGUARD INDEX FDS | SM CP VAL ETF | 922908611 |  | 4476800 | 28191 | SH |  | SOLE |  | 0 | 0 | 28191 |
| VANGUARD INTL EQUITY INDEX F | FTSE EMR MKT ETF | 922042858 |  | 2900955 | 74422 | SH |  | SOLE |  | 0 | 0 | 74422 |
| VANGUARD INTL EQUITY INDEX F | TT WRLD ST ETF | 922042742 |  | 488212 | 5664 | SH |  | SOLE |  | 0 | 0 | 5664 |
| VANGUARD MALVERN FDS | STRM INFPROIDX | 922020805 |  | 5390402 | 115401 | SH |  | SOLE |  | 0 | 0 | 115401 |
| VANGUARD MUN BD FDS | TAX EXEMPT BD | 922907746 |  | 36793687 | 743457 | SH |  | SOLE |  | 0 | 0 | 743457 |
| VANGUARD SCOTTSDALE FDS | INT-TERM CORP | 92206C870 |  | 379803 | 4900 | SH |  | SOLE |  | 0 | 0 | 4900 |
| VANGUARD SCOTTSDALE FDS | SHORT TERM TREAS | 92206C102 |  | 11338115 | 196093 | SH |  | SOLE |  | 0 | 0 | 196093 |
| VANGUARD SCOTTSDALE FDS | SHRT TRM CORP BD | 92206C409 |  | 34951671 | 464845 | SH |  | SOLE |  | 0 | 0 | 464845 |
| VANGUARD SPECIALIZED FUNDS | DIV APP ETF | 921908844 |  | 573694 | 3778 | SH |  | SOLE |  | 0 | 0 | 3778 |
| WISDOMTREE TR | US LARGECAP DIVD | 97717W307 |  | 250652 | 4046 | SH |  | SOLE |  | 0 | 0 | 4046 |

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