0001214659-23-000506.txt : 20230111 0001214659-23-000506.hdr.sgml : 20230111 20230111141112 ACCESSION NUMBER: 0001214659-23-000506 CONFORMED SUBMISSION TYPE: 13F-HR PUBLIC DOCUMENT COUNT: 2 CONFORMED PERIOD OF REPORT: 20221231 FILED AS OF DATE: 20230111 DATE AS OF CHANGE: 20230111 EFFECTIVENESS DATE: 20230111 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: 23523311 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 X0202 13F-HR LIVE false false false 0001624510 XXXXXXXX 12-31-2022 12-31-2022 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 01-11-2023 0 135 286469667 INFORMATION TABLE 2 infotable.xml SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 40120610 1245595 SH SOLE 1190469 0 55126 SCHWAB STRATEGIC TR US LRG CAP ETF 808524201 31455046 696679 SH SOLE 613883 0 82796 SPDR INDEX SHS FDS MSCI ACWI EXUS 78463X848 19220461 798855 SH SOLE 701763 0 97092 VANGUARD MALVERN FDS STRM INFPROIDX 922020805 17090020 365875 SH SOLE 344723 0 21152 MCCORMICK & CO INC COM NON VTG 579780206 15521976 187260 SH OTR 160908 0 26352 SCHWAB STRATEGIC TR US MID-CAP ETF 808524508 15283866 232950 SH SOLE 211790 0 21160 SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797 11725324 155220 SH SOLE 145455 0 9765 APPLE INC COM 037833100 10828103 83338 SH OTR 82334 0 1004 SCHWAB STRATEGIC TR INT-TRM U.S TRES 808524854 7052475 143256 SH SOLE 137793 0 5463 NUSHARES ETF TR NUVEEN ESG LRGCP 67092P201 5707516 116742 SH SOLE 114229 0 2513 10X GENOMICS INC CL A COM 88025U109 5701293 156457 SH OTR 156457 0 0 FIDELITY COMWLTH TR NASDAQ COMPSIT 315912808 4758338 116142 SH SOLE 113023 0 3119 SCHWAB STRATEGIC TR INTL SCEQT ETF 808524888 4687208 148942 SH SOLE 145867 0 3075 SPDR SER TR S&P 600 SMCP GRW 78464A201 4287288 59348 SH SOLE 50624 0 8724 MICROSOFT CORP COM 594918104 4247591 17712 SH OTR 17539 0 173 ISHARES TR DOW JONES US ETF 464287846 4065065 43500 SH SOLE 39454 0 4046 MCDONALDS CORP COM 580135101 3022461 11469 SH OTR 11469 0 0 SCHWAB STRATEGIC TR US BRD MKT ETF 808524102 2947132 65770 SH SOLE 65184 0 586 SPDR INDEX SHS FDS ASIA PACIF ETF 78463X301 2857608 29761 SH SOLE 26041 0 3720 SPDR SER TR BLOOMBERG SHT TE 78468R408 2690107 110978 SH SOLE 108418 0 2560 180 DEGREE CAP CORP COM NEW 68235B208 2683254 508192 SH OTR 494657 0 13535 ISHARES TR CORE S&P500 ETF 464287200 2484960 6468 SH SOLE 5162 0 1306 PATRICK INDS INC COM 703343103 2153486 35536 SH OTR 35536 0 0 SPDR SER TR PORTFOLIO S&P500 78464A854 1867615 41521 SH SOLE 37784 0 3737 SPDR INDEX SHS FDS PORTFOLIO DEVLPD 78463X889 1851587 62364 SH SOLE 57523 0 4841 LOCKHEED MARTIN CORP COM 539830109 1843644 3790 SH OTR 3790 0 0 ISHARES TR CORE US AGGBD ET 464287226 1838445 18955 SH SOLE 18955 0 0 SSGA ACTIVE ETF TR SPDR TR TACTIC 78467V848 1833792 45799 SH SOLE 44509 0 1290 SPDR INDEX SHS FDS PORTFLI MSCI GBL 78463X475 1789333 38373 SH SOLE 36548 0 1825 ISHARES TR RUS MID CAP ETF 464287499 1568585 23256 SH SOLE 22120 0 1136 UNITED PARCEL SERVICE INC CL B 911312106 1545264 8889 SH OTR 8889 0 0 PNC FINL SVCS GROUP INC COM 693475105 1520488 9627 SH OTR 8127 0 1500 AMAZON COM INC COM 023135106 1275516 15185 SH OTR 13278 0 1907 PROCTER AND GAMBLE CO COM 742718109 1178904 7778 SH OTR 7578 0 200 ISHARES TR CORE S&P TTL STK 464287150 1116901 13171 SH SOLE 13171 0 0 ISHARES TR S&P SML 600 GWT 464287887 1017358 9414 SH SOLE 8550 0 864 ALPHABET INC CAP STK CL C 02079K107 1016316 11454 SH OTR 10710 0 744 BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 999292 3235 SH OTR 3235 0 0 SCHWAB CHARLES CORP COM 808513105 990890 11901 SH OTR 3100 0 8801 SPDR SER TR PORTFOLIO S&P400 78464A847 983322 23137 SH SOLE 21712 0 1425 MASTERCARD INCORPORATED CL A 57636Q104 964603 2774 SH OTR 2596 0 178 DANAHER CORPORATION COM 235851102 928199 3497 SH OTR 3261 0 236 MERCK & CO INC COM 58933Y105 913898 8237 SH OTR 8237 0 0 VISA INC COM CL A 92826C839 905746 4360 SH OTR 4053 0 307 DOCUSIGN INC COM 256163106 878352 15849 SH OTR 15849 0 0 HEWLETT PACKARD ENTERPRISE C COM 42824C109 833687 52236 SH OTR 52236 0 0 VANGUARD INDEX FDS SML CP GRW ETF 922908595 799754 3988 SH SOLE 3986 0 2 ISHARES TR CORE TOTAL USD 46434V613 783399 17436 SH SOLE 17436 0 0 ALLY FINL INC COM 02005N100 778679 31848 SH SOLE 31429 0 419 VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 775983 2209 SH SOLE 2053 0 156 FASTENAL CO COM 311900104 763035 16125 SH OTR 15497 0 628 JOHNSON & JOHNSON COM 478160104 694777 3933 SH OTR 3933 0 0 JPMORGAN CHASE & CO COM 46625H100 693163 5169 SH OTR 5169 0 0 ACNB CORP COM 000868109 649381 16312 SH OTR 16312 0 0 DIGITALBRIDGE GROUP INC NOTE 5.000% 4/1 19624RAA4 646472 643000 SH OTR 543000 0 100000 KIMBERLY-CLARK CORP COM 494368103 645491 4755 SH OTR 4755 0 0 VANGUARD CHARLOTTE FDS TOTAL INT BD ETF 92203J407 622187 13118 SH SOLE 13118 0 0 HOME DEPOT INC COM 437076102 615520 1949 SH OTR 1601 0 348 ISHARES TR CORE MSCI TOTAL 46432F834 600210 10370 SH SOLE 10370 0 0 UNITEDHEALTH GROUP INC COM 91324P102 590621 1114 SH OTR 1114 0 0 RAYTHEON TECHNOLOGIES CORP COM 75513E101 580996 5757 SH OTR 5757 0 0 CHEVRON CORP NEW COM 166764100 575265 3205 SH OTR 3205 0 0 ISHARES TR CORE S&P MCP ETF 464287507 574973 2377 SH SOLE 2377 0 0 TRANSDIGM GROUP INC COM 893641100 556611 884 SH OTR 795 0 89 HEICO CORP NEW CL A 422806208 553707 4620 SH OTR 4142 0 478 SPDR SER TR PRTFLO S&P500 HI 78468R788 534013 13492 SH SOLE 13439 0 53 ISHARES TR SELECT DIVID ETF 464287168 517463 4291 SH SOLE 4291 0 0 INTUITIVE SURGICAL INC COM NEW 46120E602 511595 1928 SH OTR 1746 0 182 THERMO FISHER SCIENTIFIC INC COM 883556102 505533 918 SH OTR 824 0 94 CBRE GROUP INC CL A 12504L109 504088 6550 SH OTR 5866 0 684 COSTCO WHSL CORP NEW COM 22160K105 503623 1103 SH OTR 1103 0 0 CATERPILLAR INC COM 149123101 503076 2100 SH OTR 2100 0 0 CSX CORP COM 126408103 495898 16007 SH OTR 16007 0 0 S&P GLOBAL INC COM 78409V104 491692 1468 SH SOLE 1318 0 150 TJX COS INC NEW COM 872540109 486117 6107 SH OTR 6107 0 0 VANGUARD WORLD FDS INF TECH ETF 92204A702 464422 1454 SH SOLE 1454 0 0 MCCORMICK & CO INC COM VTG 579780107 449161 5466 SH OTR 5466 0 0 SCHWAB STRATEGIC TR US AGGREGATE B 808524839 448603 9827 SH SOLE 9827 0 0 SCHWAB STRATEGIC TR SHT TM US TRES 808524862 435720 9032 SH SOLE 9032 0 0 VULCAN MATLS CO COM 929160109 433923 2478 SH OTR 2220 0 258 QUALCOMM INC COM 747525103 432064 3930 SH OTR 3589 0 341 ALPHABET INC CAP STK CL A 02079K305 427033 4840 SH OTR 4840 0 0 ISHARES TR CORE S&P SCP ETF 464287804 426813 4510 SH SOLE 4078 0 432 AT&T INC COM 00206R102 424345 23050 SH OTR 23022 0 28 EXXON MOBIL CORP COM 30231G102 420597 3813 SH OTR 3813 0 0 BIO-TECHNE CORP COM 09073M104 418710 5052 SH OTR 4536 0 516 TESLA INC COM 88160R101 409458 3324 SH OTR 3324 0 0 VERIZON COMMUNICATIONS INC COM 92343V104 408524 10369 SH OTR 10369 0 0 AXSOME THERAPEUTICS INC COM 05464T104 402619 5220 SH OTR 5220 0 0 ABBVIE INC COM 00287Y109 400592 2479 SH OTR 2479 0 0 LENDINGTREE INC NOTE 0.500% 7/1 52603BAD9 394899 542000 SH OTR 516000 0 26000 NVIDIA CORPORATION COM 67066G104 393998 2696 SH OTR 1768 0 928 ANSYS INC COM 03662Q105 389201 1611 SH OTR 1447 0 164 ISHARES TR RUS MD CP GR ETF 464287481 379878 4544 SH SOLE 4544 0 0 SPDR INDEX SHS FDS S&P INTL SMLCP 78463X871 378477 12869 SH SOLE 10146 0 2723 HERSHEY CO COM 427866108 358114 1546 SH OTR 1546 0 0 VANGUARD SCOTTSDALE FDS TOTAL WLD BD ETF 92206C565 355767 5306 SH SOLE 5306 0 0 VANGUARD WORLD FDS HEALTH CAR ETF 92204A504 353373 1425 SH SOLE 1425 0 0 SPDR SER TR PORTFLI INTRMDIT 78464A672 349894 12390 SH SOLE 10527 0 1863 WESBANCO INC COM 950810101 337516 9127 SH OTR 9127 0 0 GUIDEWIRE SOFTWARE INC COM 40171V100 337198 5390 SH OTR 4830 0 560 ILLUMINA INC COM 452327109 335854 1661 SH OTR 1490 0 171 EXELON CORP COM 30161N101 312110 7220 SH OTR 7220 0 0 MOODYS CORP COM 615369105 305257 1096 SH OTR 985 0 111 ECOLAB INC COM 278865100 302619 2079 SH OTR 1866 0 213 BECTON DICKINSON & CO COM 075887109 299311 1177 SH OTR 1177 0 0 VANGUARD WORLD FDS INDUSTRIAL ETF 92204A603 298434 1634 SH SOLE 1634 0 0 AMERICAN TOWER CORP NEW COM 03027X100 295757 1396 SH SOLE 1301 0 95 ISHARES INC MSCI EM ASIA ETF 464286426 292475 4619 SH SOLE 4619 0 0 SELECT SECTOR SPDR TR SBI CONS DISCR 81369Y407 290394 2248 SH SOLE 2248 0 0 TELEFLEX INCORPORATED COM 879369106 289571 1160 SH OTR 1043 0 117 ROYALTY PHARMA PLC SHS CLASS A G7709Q104 288496 7300 SH OTR 7300 0 0 COSTAR GROUP INC COM 22160N109 285240 3691 SH OTR 3307 0 384 VEEVA SYS INC CL A COM 922475108 279349 1731 SH OTR 1558 0 173 ABBOTT LABS COM 002824100 279197 2543 SH OTR 2543 0 0 PEPSICO INC COM 713448108 265875 1472 SH OTR 1472 0 0 WASTE CONNECTIONS INC COM 94106B101 261939 1976 SH OTR 1770 0 206 VAALCO ENERGY INC COM NEW 91851C201 259920 57000 SH OTR 57000 0 0 CARMAX INC COM 143130102 259879 4268 SH OTR 3829 0 439 OMNICOM GROUP INC COM 681919106 248740 3049 SH OTR 3049 0 0 DOLLAR GEN CORP NEW COM 256677105 245265 996 SH OTR 894 0 102 INTERNATIONAL BUSINESS MACHS COM 459200101 239929 1703 SH OTR 1703 0 0 BLACKLINE INC COM 09239B109 230871 3432 SH OTR 3078 0 354 M & T BK CORP COM 55261F104 228127 1573 SH OTR 1573 0 0 SPDR SER TR PRTFLO S&P500 GW 78464A409 227918 4498 SH SOLE 3846 0 652 BRISTOL-MYERS SQUIBB CO COM 110122108 227362 3160 SH OTR 3160 0 0 ISHARES TR MSCI ACWI ETF 464288257 226630 2670 SH SOLE 2670 0 0 AMGEN INC COM 031162100 209343 797 SH OTR 697 0 100 LILLY ELI & CO COM 532457108 209320 572 SH OTR 572 0 0 CISCO SYS INC COM 17275R102 208172 4370 SH OTR 3870 0 500 LINDE PLC SHS G5494J103 204189 626 SH OTR 626 0 0 CONSTELLATION ENERGY CORP COM 21037T109 203472 2360 SH OTR 2360 0 0 YEXT INC COM 98585N106 97950 15000 SH OTR 15000 0 0 GINKGO BIOWORKS HOLDINGS INC CL A SHS 37611X100 16900 10000 SH OTR 10000 0 0 TERAWULF INC COM 88080T104 6656 10000 SH OTR 10000 0 0