0001214659-22-012496.txt : 20221020 0001214659-22-012496.hdr.sgml : 20221020 20221020163415 ACCESSION NUMBER: 0001214659-22-012496 CONFORMED SUBMISSION TYPE: 13F-HR PUBLIC DOCUMENT COUNT: 2 CONFORMED PERIOD OF REPORT: 20220930 FILED AS OF DATE: 20221020 DATE AS OF CHANGE: 20221020 EFFECTIVENESS DATE: 20221020 FILER: COMPANY DATA: COMPANY CONFORMED NAME: FINANCIAL CONSULATE, INC CENTRAL INDEX KEY: 0001624510 IRS NUMBER: 521281169 STATE OF INCORPORATION: MD FISCAL YEAR END: 1231 FILING VALUES: FORM TYPE: 13F-HR SEC ACT: 1934 Act SEC FILE NUMBER: 028-16386 FILM NUMBER: 221321503 BUSINESS ADDRESS: STREET 1: 11019 MCCORMICK ROAD STREET 2: SUITE 200 CITY: HUNT VALLEY STATE: MD ZIP: 21031 BUSINESS PHONE: (410) 823-7283 MAIL ADDRESS: STREET 1: 11019 MCCORMICK ROAD STREET 2: SUITE 200 CITY: HUNT VALLEY STATE: MD ZIP: 21031 13F-HR 1 primary_doc.xml 13F-HR LIVE false false false 0001624510 XXXXXXXX 09-30-2022 09-30-2022 false FINANCIAL CONSULATE, INC

11019 MCCORMICK ROAD SUITE 200 HUNT VALLEY MD 21031

13F HOLDINGS REPORT 028-16386 N Charles Bender 410-823-7283 /s/ Charles Bender Hunt Valley MD 10-20-2022 0 118 237086 INFORMATION TABLE 2 infotable.xml SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 32457 1153813 SH SOLE 1115648 0 38165 SCHWAB STRATEGIC TR US LRG CAP ETF 808524201 29791 703436 SH SOLE 658717 0 44719 VANGUARD MALVERN FDS STRM INFPROIDX 922020805 16998 353308 SH SOLE 340875 0 12433 SPDR INDEX SHS FDS MSCI ACWI EXUS 78463X848 16832 793601 SH SOLE 738615 0 54986 SCHWAB STRATEGIC TR US MID-CAP ETF 808524508 14700 242847 SH SOLE 231080 0 11767 MCCORMICK & CO INC COM NON VTG 579780206 12317 172827 SH OTR 162389 0 10438 APPLE INC COM 037833100 11535 83466 SH OTR 83154 0 312 SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797 9850 148277 SH SOLE 143641 0 4636 SCHWAB STRATEGIC TR INT-TRM U.S TRES 808524854 7878 160323 SH SOLE 156493 0 3830 10X GENOMICS INC CL A COM 88025U109 4413 154942 SH OTR 154942 0 0 SCHWAB STRATEGIC TR INTL SCEQT ETF 808524888 4232 152498 SH SOLE 149935 0 2563 MICROSOFT CORP COM 594918104 4057 17418 SH OTR 17310 0 108 SPDR SER TR S&P 600 SMCP GRW 78464A201 3982 58454 SH SOLE 52707 0 5747 180 DEGREE CAP CORP COM NEW 68235B208 2845 518250 SH SOLE 508095 0 10155 SCHWAB STRATEGIC TR US BRD MKT ETF 808524102 2834 67499 SH SOLE 66913 0 586 MCDONALDS CORP COM 580135101 2646 11469 SH OTR 11469 0 0 SPDR INDEX SHS FDS ASIA PACIF ETF 78463X301 2554 28500 SH SOLE 26414 0 2086 ISHARES TR CORE S&P500 ETF 464287200 2098 5850 SH SOLE 5154 0 696 SPDR SER TR PORTFOLIO S&P500 78464A854 1754 41766 SH SOLE 38049 0 3717 SPDR INDEX SHS FDS PORTFOLIO DEVLPD 78463X889 1655 64131 SH SOLE 59357 0 4774 SPDR INDEX SHS FDS PORTFLI MSCI GBL 78463X475 1653 38636 SH SOLE 37022 0 1614 PATRICK INDS INC COM 703343103 1558 35533 SH OTR 35533 0 0 ISHARES TR CORE S&P TTL STK 464287150 1557 19570 SH SOLE 19570 0 0 LOCKHEED MARTIN CORP COM 539830109 1466 3795 SH OTR 3795 0 0 PNC FINL SVCS GROUP INC COM 693475105 1438 9627 SH OTR 8127 0 1500 UNITED PARCEL SERVICE INC CL B 911312106 1438 8899 SH OTR 8899 0 0 AMAZON COM INC COM 023135106 1393 12327 SH OTR 11858 0 469 ALPHABET INC CAP STK CL C 02079K107 1117 11614 SH OTR 11059 0 555 ISHARES TR CORE MSCI TOTAL 46432F834 1050 20630 SH SOLE 20630 0 0 ISHARES TR CORE US AGGBD ET 464287226 995 10326 SH SOLE 10326 0 0 PROCTER AND GAMBLE CO COM 742718109 982 7777 SH OTR 7777 0 0 ISHARES TR S&P SML 600 GWT 464287887 964 9478 SH SOLE 8614 0 864 VISA INC COM CL A 92826C839 941 5299 SH OTR 4991 0 308 SPDR SER TR PORTFOLIO S&P400 78464A847 922 23900 SH SOLE 22526 0 1374 SCHWAB CHARLES CORP COM 808513105 898 12496 SH SOLE 3100 0 9396 ALLY FINL INC COM 02005N100 891 32015 SH OTR 31718 0 297 DANAHER CORPORATION COM 235851102 888 3437 SH OTR 3261 0 176 BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 864 3235 SH OTR 3235 0 0 DOCUSIGN INC COM 256163106 847 15849 SH OTR 200 0 15649 MASTERCARD INCORPORATED CL A 57636Q104 837 2944 SH OTR 2797 0 147 TESLA INC COM 88160R101 810 3055 SH OTR 3055 0 0 FASTENAL CO COM 311900104 735 15966 SH OTR 15497 0 469 MERCK & CO INC COM 58933Y105 727 8437 SH OTR 8437 0 0 VANGUARD CHARLOTTE FDS TOTAL INT BD ETF 92203J407 676 14164 SH SOLE 14164 0 0 JOHNSON & JOHNSON COM 478160104 647 3963 SH OTR 3963 0 0 HEWLETT PACKARD ENTERPRISE C COM 42824C109 626 52236 SH OTR 52236 0 0 JPMORGAN CHASE & CO COM 46625H100 572 5469 SH OTR 5469 0 0 UNITEDHEALTH GROUP INC COM 91324P102 563 1114 SH OTR 1114 0 0 VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 558 1698 SH SOLE 1542 0 156 ISHARES TR CORE S&P MCP ETF 464287507 535 2438 SH SOLE 2438 0 0 KIMBERLY-CLARK CORP COM 494368103 535 4755 SH OTR 4755 0 0 COSTCO WHSL CORP NEW COM 22160K105 521 1103 SH OTR 1103 0 0 HEICO CORP NEW CL A 422806208 516 4499 SH OTR 4142 0 357 HOME DEPOT INC COM 437076102 510 1847 SH OTR 1847 0 0 INTUITIVE SURGICAL INC COM NEW 46120E602 500 2670 SH OTR 2472 0 198 SPDR SER TR PRTFLO S&P500 HI 78468R788 495 13958 SH SOLE 13930 0 28 ACNB CORP COM 000868109 490 16312 SH OTR 16312 0 0 RAYTHEON TECHNOLOGIES CORP COM 75513E101 471 5757 SH OTR 5757 0 0 ABBVIE INC COM 00287Y109 467 3478 SH OTR 3478 0 0 CHEVRON CORP NEW COM 166764100 460 3205 SH OTR 3205 0 0 ALPHABET INC CAP STK CL A 02079K305 457 4780 SH OTR 4780 0 0 THERMO FISHER SCIENTIFIC INC COM 883556102 453 894 SH OTR 824 0 70 TRANSDIGM GROUP INC COM 893641100 452 861 SH OTR 795 0 66 VANGUARD WORLD FDS INF TECH ETF 92204A702 447 1454 SH SOLE 1454 0 0 SCHWAB STRATEGIC TR US AGGREGATE B 808524839 445 9827 SH SOLE 9827 0 0 S&P GLOBAL INC COM 78409V104 437 1430 SH SOLE 1318 0 112 QUALCOMM INC COM 747525103 434 3843 SH OTR 3589 0 254 SCHWAB STRATEGIC TR SHT TM US TRES 808524862 433 8967 SH SOLE 8967 0 0 CBRE GROUP INC CL A 12504L109 430 6376 SH OTR 5866 0 510 CSX CORP COM 126408103 426 15985 SH OTR 15985 0 0 MCCORMICK & CO INC COM VTG 579780107 407 5566 SH OTR 5566 0 0 ISHARES TR RUS 1000 GRW ETF 464287614 395 1878 SH SOLE 1878 0 0 VERIZON COMMUNICATIONS INC COM 92343V104 393 10363 SH OTR 10363 0 0 TJX COS INC NEW COM 872540109 379 6107 SH OTR 6107 0 0 SPDR SER TR PORTFLI INTRMDIT 78464A672 364 12940 SH SOLE 11213 0 1727 AT&T INC COM 00206R102 355 23144 SH OTR 23130 0 14 BIO-TECHNE CORP COM 09073M104 349 1230 SH OTR 1134 0 96 ANSYS INC COM 03662Q105 348 1569 SH OTR 1447 0 122 CATERPILLAR INC COM 149123101 345 2100 SH OTR 2100 0 0 HERSHEY CO COM 427866108 341 1545 SH OTR 1545 0 0 SPDR INDEX SHS FDS S&P INTL SMLCP 78463X871 335 12869 SH SOLE 10146 0 2723 EXXON MOBIL CORP COM 30231G102 333 3808 SH OTR 3808 0 0 SPDR SER TR PRTFLO S&P500 GW 78464A409 324 6465 SH SOLE 5813 0 652 VULCAN MATLS CO COM 929160109 324 2052 SH OTR 1891 0 161 SELECT SECTOR SPDR TR SBI CONS DISCR 81369Y407 320 2248 SH SOLE 2248 0 0 VANGUARD WORLD FDS HEALTH CAR ETF 92204A504 318 1420 SH SOLE 1420 0 0 ILLUMINA INC COM 452327109 309 1617 SH OTR 1490 0 127 COSTAR GROUP INC COM 22160N109 308 4422 SH OTR 4072 0 350 WESBANCO INC COM 950810101 305 9127 SH OTR 9127 0 0 AMERICAN TOWER CORP NEW COM 03027X100 295 1372 SH OTR 1301 0 71 ROYALTY PHARMA PLC SHS CLASS A G7709Q104 293 7300 SH OTR 7300 0 0 ECOLAB INC COM 278865100 292 2024 SH OTR 1866 0 158 VEEVA SYS INC CL A COM 922475108 278 1687 SH OTR 1558 0 129 M & T BK CORP COM 55261F104 277 1570 SH OTR 1570 0 0 CARMAX INC COM 143130102 274 4156 SH OTR 3829 0 327 EXELON CORP COM 30161N101 270 7213 SH OTR 7213 0 0 BECTON DICKINSON & CO COM 075887109 262 1177 SH OTR 1177 0 0 MOODYS CORP COM 615369105 260 1068 SH OTR 985 0 83 WASTE CONNECTIONS INC COM 94106B101 260 1924 SH OTR 1770 0 154 VANGUARD WORLD FDS INDUSTRIAL ETF 92204A603 257 1634 SH OTR 1634 0 0 GUIDEWIRE SOFTWARE INC COM 40171V100 249 4044 SH OTR 3723 0 321 VAALCO ENERGY INC COM NEW 91851C201 249 57000 SH OTR 57000 0 0 VERISK ANALYTICS INC COM 92345Y106 247 1450 SH OTR 1337 0 113 ABBOTT LABS COM 002824100 246 2542 SH OTR 2542 0 0 PEPSICO INC COM 713448108 240 1471 SH OTR 1471 0 0 AXSOME THERAPEUTICS INC COM 05464T104 233 5220 SH OTR 5220 0 0 DOLLAR GEN CORP NEW COM 256677105 233 970 SH OTR 894 0 76 CABLE ONE INC COM 12685J105 232 272 SH OTR 251 0 21 TELEFLEX INCORPORATED COM 879369106 228 1130 SH OTR 1043 0 87 ISHARES TR MSCI ACWI ETF 464288257 226 2900 SH SOLE 2900 0 0 BRISTOL-MYERS SQUIBB CO COM 110122108 225 3160 SH OTR 3160 0 0 CISCO SYS INC COM 17275R102 225 5619 SH OTR 5119 0 500 NVIDIA CORPORATION COM 67066G104 215 1768 SH OTR 1768 0 0 INTERNATIONAL BUSINESS MACHS COM 459200101 202 1702 SH OTR 1702 0 0 BLACKLINE INC COM 09239B109 200 3342 SH OTR 3078 0 264 YEXT INC COM 98585N106 67 15000 SH OTR 15000 0 0 GINKGO BIOWORKS HOLDINGS INC CL A SHS 37611X100 31 10000 SH OTR 10000 0 0 TERAWULF INC COM 88080T104 13 10000 SH OTR 10000 0 0