So I put my holdings into the Morningstar portfolio and ran an X Ray Stock Intersection on it which shows the percentage of each stock owned whether it is owned directly or in an ETF. I own no Microsoft individually in this account but since it is such a big part of many ETFs it shows I own about $43,000.00 indirectly buy owning some ETFs. Same thing with Apple. It is crazy how you can inadvertently become concentrated owning ETFs and individual stocks without really realizing it. The XRAY feature is really good at showing what and how much of a stock you actually own.