Q3 2025 · 13F-HR
Sterling Financial Planning, Inc.holdings as filed
Filed 2025-10-24 · accession 0001844278-25-000002
$317.1M
Reported value
116
Positions
2025-09-30
Period end
The Brief · Sterling Financial Planning, Inc. · Q3 2025
AI · grounded in 13F
Sterling Financial Planning, Inc. established a new position in IAU valued at $19.9M. The fund also initiated new stakes in IJJ for $19.2M and IVW for $17.9M. Other new additions include IJT at $17.6M and IJK at $17.3M. Total assets under management stand at $317.1M across 116 positions.
Holdings as filed
| CUSIP | Ticker | Issuer | Value | % port. | Shares | Class | Voting |
|---|---|---|---|---|---|---|---|
| 464285204 | IAU | ISHARES GOLD TR | $19.9M | 6.27% | 273,359 | Common | NONE |
| 464287705 | IJJ | ISHARES TR | $19.2M | 6.05% | 147,868 | Common | NONE |
| 464287309 | IVW | ISHARES TR | $17.9M | 5.64% | 148,099 | Common | NONE |
| 464287887 | IJT | ISHARES TR | $17.6M | 5.54% | 124,178 | Common | NONE |
| 464287606 | IJK | ISHARES TR | $17.3M | 5.45% | 180,213 | Common | NONE |
| 25434V807 | DFIV | DIMENSIONAL ETF TRUST | $14.6M | 4.61% | 316,690 | Common | NONE |
| 808524771 | FNDX | SCHWAB STRATEGIC TR | $11.2M | 3.52% | 423,993 | Common | NONE |
| 921946406 | VYM | VANGUARD WHITEHALL FDS | $10.8M | 3.41% | 76,746 | Common | NONE |
| 25434V781 | DISV | DIMENSIONAL ETF TRUST | $10.5M | 3.32% | 294,935 | Common | NONE |
| 25434V815 | DFSV | DIMENSIONAL ETF TRUST | $8.9M | 2.81% | 280,173 | Common | NONE |
| 464287879 | IJS | ISHARES TR | $8.8M | 2.76% | 79,243 | Common | NONE |
| 921937819 | BIV | VANGUARD BD INDEX FDS | $8.6M | 2.70% | 109,556 | Common | NONE |
| 464287200 | IVV | ISHARES TR | $8.4M | 2.66% | 12,620 | Common | NONE |
| 45783Y780 | XBJA | INNOVATOR ETFS TRUST | $8.4M | 2.64% | 267,275 | Common | NONE |
| 25434V856 | DFIP | DIMENSIONAL ETF TRUST | $5.9M | 1.85% | 139,163 | Common | NONE |
| 25434V740 | DFEV | DIMENSIONAL ETF TRUST | $5.7M | 1.79% | 178,056 | Common | NONE |
| 25434V658 | DFGR | DIMENSIONAL ETF TRUST | $5.6M | 1.78% | 206,621 | Common | NONE |
| 464287408 | IVE | ISHARES TR | $4.8M | 1.51% | 23,140 | Common | NONE |
| 464287507 | IJH | ISHARES TR | $4.6M | 1.46% | 71,142 | Common | NONE |
| 464288885 | EFG | ISHARES TR | $4.6M | 1.46% | 40,711 | Common | NONE |
| 78463V107 | GLD | SPDR GOLD TR | $4.4M | 1.39% | 12,419 | Common | NONE |
| 46090E103 | QQQ | INVESCO QQQ TR | $4.3M | 1.36% | 7,208 | Common | NONE |
| 46429B267 | GOVT | ISHARES TR | $4.2M | 1.33% | 181,895 | Common | NONE |
| 921937827 | BSV | VANGUARD BD INDEX FDS | $4.0M | 1.26% | 50,770 | Common | NONE |
| 037833100 | AAPL | APPLE INC | $4.0M | 1.25% | 15,578 | Common | NONE |
| 922908512 | VOE | VANGUARD INDEX FDS | $3.6M | 1.13% | 20,555 | Common | NONE |
| 92206C409 | VCSH | VANGUARD SCOTTSDALE FDS | $3.3M | 1.05% | 41,805 | Common | NONE |
| 922907746 | VTEB | VANGUARD MUN BD FDS | $3.2M | 1.02% | 64,624 | Common | NONE |
| 922908538 | VOT | VANGUARD INDEX FDS | $3.2M | 0.99% | 10,722 | Common | NONE |
| 921935870 | VTES | VANGUARD WELLINGTON FD | $3.1M | 0.97% | 30,144 | Common | NONE |
| 464288448 | IDV | ISHARES TR | $3.0M | 0.95% | 82,534 | Common | NONE |
| 922908553 | VNQ | VANGUARD INDEX FDS | $2.8M | 0.89% | 30,992 | Common | NONE |
| 808524748 | FNDC | SCHWAB STRATEGIC TR | $2.6M | 0.81% | 57,766 | Common | NONE |
| 922908595 | VBK | VANGUARD INDEX FDS | $2.4M | 0.77% | 8,164 | Common | NONE |
| 922908611 | VBR | VANGUARD INDEX FDS | $2.4M | 0.75% | 11,464 | Common | NONE |
| 922020805 | VTIP | VANGUARD MALVERN FDS | $2.3M | 0.74% | 46,232 | Common | NONE |
| 92203J407 | BNDX | VANGUARD CHARLOTTE FDS | $2.3M | 0.74% | 47,212 | Common | NONE |
| 97717W281 | DGS | WISDOMTREE TR | $2.3M | 0.72% | 39,875 | Common | NONE |
| 478160104 | JNJ | JOHNSON & JOHNSON | $1.9M | 0.60% | 10,315 | Common | NONE |
| 921943858 | VEA | VANGUARD TAX-MANAGED FDS | $1.8M | 0.57% | 30,022 | Common | NONE |
| 594918104 | MSFT | MICROSOFT CORP | $1.8M | 0.56% | 3,414 | Common | NONE |
| 464288414 | MUB | ISHARES TR | $1.8M | 0.55% | 16,502 | Common | NONE |
| 78462F103 | SPY | SPDR S&P 500 ETF TR | $1.7M | 0.53% | 2,513 | Common | NONE |
| 464287176 | TIP | ISHARES TR | $1.6M | 0.51% | 14,404 | Common | NONE |
| 46137V613 | PRF | INVESCO EXCHANGE TRADED FD T | $1.5M | 0.47% | 32,636 | Common | NONE |
| 30231G102 | XOM | EXXON MOBIL CORP | $1.5M | 0.46% | 13,070 | Common | NONE |
| 464288273 | SCZ | ISHARES TR | $1.4M | 0.44% | 18,137 | Common | NONE |
| 464287804 | IJR | ISHARES TR | $1.3M | 0.42% | 11,286 | Common | NONE |
| 084670702 | BRK/B | BERKSHIRE HATHAWAY INC DEL | $1.1M | 0.36% | 2,282 | Common | NONE |
| 25434V823 | DFAR | DIMENSIONAL ETF TRUST | $1.1M | 0.35% | 46,497 | Common | NONE |
| 816300107 | SIGI | SELECTIVE INS GROUP INC | $925,657 | 0.29% | 11,418 | Common | NONE |
| 25434V666 | DFLV | DIMENSIONAL ETF TRUST | $882,246 | 0.28% | 26,816 | Common | NONE |
| 75513E101 | RTX | RTX CORPORATION | $877,144 | 0.28% | 5,242 | Common | NONE |
| 922908736 | VUG | VANGUARD INDEX FDS | $830,448 | 0.26% | 1,732 | Common | NONE |
| 756109104 | O | REALTY INCOME CORP | $777,586 | 0.25% | 12,791 | Common | NONE |
| 25434V401 | DFUS | DIMENSIONAL ETF TRUST | $771,153 | 0.24% | 10,645 | Common | NONE |
| 30303M102 | META | META PLATFORMS INC | $747,616 | 0.24% | 1,018 | Common | NONE |
| 45782C508 | PJAN | INNOVATOR ETFS TRUST | $721,592 | 0.23% | 15,757 | Common | NONE |
| 459200101 | IBM | INTERNATIONAL BUSINESS MACHS | $681,317 | 0.21% | 2,415 | Common | NONE |
| 88579Y101 | MMM | 3M CO | $677,743 | 0.21% | 4,367 | Common | NONE |
| 02079K305 | GOOGL | ALPHABET INC | $668,768 | 0.21% | 2,751 | Common | NONE |
| 921908844 | VIG | VANGUARD SPECIALIZED FUNDS | $639,444 | 0.20% | 2,963 | Common | NONE |
| 46625H100 | JPM | JPMORGAN CHASE & CO. | $626,444 | 0.20% | 1,986 | Common | NONE |
| 46137V597 | PRFZ | INVESCO EXCHANGE TRADED FD T | $604,557 | 0.19% | 13,310 | Common | NONE |
| 532457108 | LLY | ELI LILLY & CO | $598,405 | 0.19% | 784 | Common | NONE |
| 46137V357 | RSP | INVESCO EXCHANGE TRADED FD T | $587,876 | 0.19% | 3,099 | Common | NONE |
| 922908629 | VO | VANGUARD INDEX FDS | $549,744 | 0.17% | 1,872 | Common | NONE |
| 78464A839 | MDYV | SPDR SERIES TRUST | $543,914 | 0.17% | 6,521 | Common | NONE |
| 921937835 | BND | VANGUARD BD INDEX FDS | $542,455 | 0.17% | 7,294 | Common | NONE |
| 22160K105 | COST | COSTCO WHSL CORP NEW | $539,975 | 0.17% | 583 | Common | NONE |
| 023135106 | AMZN | AMAZON COM INC | $539,483 | 0.17% | 2,457 | Common | NONE |
| 808524706 | SCHE | SCHWAB STRATEGIC TR | $522,257 | 0.16% | 15,650 | Common | NONE |
| 74386T105 | PFS | PROVIDENT FINL SVCS INC | $502,032 | 0.16% | 26,039 | Common | NONE |
| 713448108 | PEP | PEPSICO INC | $445,471 | 0.14% | 3,172 | Common | NONE |
| 742718109 | PG | PROCTER AND GAMBLE CO | $441,283 | 0.14% | 2,872 | Common | NONE |
| 02079K107 | GOOG | ALPHABET INC | $433,519 | 0.14% | 1,780 | Common | NONE |
| 464288281 | EMB | ISHARES TR | $396,728 | 0.13% | 4,168 | Common | NONE |
| 244199105 | DE | DEERE & CO | $382,727 | 0.12% | 837 | Common | NONE |
| 369550108 | GD | GENERAL DYNAMICS CORP | $380,466 | 0.12% | 1,116 | Common | NONE |
| 25434V773 | DFIS | DIMENSIONAL ETF TRUST | $365,692 | 0.12% | 11,562 | Common | NONE |
| 922042858 | VWO | VANGUARD INTL EQUITY INDEX F | $351,215 | 0.11% | 6,482 | Common | NONE |
| 46432F339 | QUAL | ISHARES TR | $348,165 | 0.11% | 1,790 | Common | NONE |
| 437076102 | HD | HOME DEPOT INC | $346,291 | 0.11% | 855 | Common | NONE |
| 67066G104 | NVDA | NVIDIA CORPORATION | $343,190 | 0.11% | 1,839 | Common | NONE |
| 166764100 | CVX | CHEVRON CORP NEW | $330,426 | 0.10% | 2,128 | Common | NONE |
| 88160R101 | TSLA | TESLA INC | $328,203 | 0.10% | 738 | Common | NONE |
| 19249U104 | CSRE | COHEN & STEERS ETF TRUST | $311,480 | 0.10% | 11,957 | Common | NONE |
| 45782C672 | UAUG | INNOVATOR ETFS TRUST | $311,036 | 0.10% | 7,913 | Common | NONE |
| 00287Y109 | ABBV | ABBVIE INC | $306,096 | 0.10% | 1,322 | Common | NONE |
| 14448C104 | CARR | CARRIER GLOBAL CORPORATION | $300,112 | 0.09% | 5,027 | Common | NONE |
| 548661107 | LOW | LOWES COS INC | $295,038 | 0.09% | 1,174 | Common | NONE |
| 45783Y301 | XBAP | INNOVATOR ETFS TRUST | $293,244 | 0.09% | 7,745 | Common | NONE |
| 580135101 | MCD | MCDONALDS CORP | $292,924 | 0.09% | 964 | Common | NONE |
| 922908769 | VTI | VANGUARD INDEX FDS | $282,260 | 0.09% | 860 | Common | NONE |
| 369604301 | GE | GE AEROSPACE | $279,789 | 0.09% | 930 | Common | NONE |
| 68389X105 | ORCL | ORACLE CORP | $279,553 | 0.09% | 994 | Common | NONE |
| 92343V104 | VZ | VERIZON COMMUNICATIONS INC | $278,626 | 0.09% | 6,340 | Common | NONE |
| 744573106 | PEG | PUBLIC SVC ENTERPRISE GRP IN | $277,978 | 0.09% | 3,331 | Common | NONE |
| 402031835 | DIVS | GUINNESS ATKINSON FDS | $276,266 | 0.09% | 8,876 | Common | NONE |
| 464287168 | DVY | ISHARES TR | $273,072 | 0.09% | 1,922 | Common | NONE |
| 46138E214 | IDHQ | INVESCO EXCH TRADED FD TR II | $271,205 | 0.09% | 8,060 | Common | NONE |
| 58933Y105 | MRK | MERCK & CO INC | $252,965 | 0.08% | 3,014 | Common | NONE |
| 075887109 | BDX | BECTON DICKINSON & CO | $252,078 | 0.08% | 1,347 | Common | NONE |
| 12811T803 | CPSJ | CALAMOS ETF TR | $251,149 | 0.08% | 9,447 | Common | NONE |
| 808524102 | SCHB | SCHWAB STRATEGIC TR | $248,589 | 0.08% | 9,669 | Common | NONE |
| 92206C714 | VONV | VANGUARD SCOTTSDALE FDS | $246,867 | 0.08% | 2,762 | Common | NONE |
| 30040W108 | ES | EVERSOURCE ENERGY | $245,575 | 0.08% | 3,452 | Common | NONE |
| 78464A821 | MDYG | SPDR SERIES TRUST | $242,146 | 0.08% | 2,645 | Common | NONE |
| 293792107 | EPD | ENTERPRISE PRODS PARTNERS L | $233,764 | 0.07% | 7,476 | Common | NONE |
| 68902V107 | OTIS | OTIS WORLDWIDE CORP | $229,764 | 0.07% | 2,513 | Common | NONE |
| 464288810 | IHI | ISHARES TR | $217,980 | 0.07% | 3,628 | Common | NONE |
| 464287622 | IWB | ISHARES TR | $215,268 | 0.07% | 589 | Common | NONE |
| 12811T886 | CPST | CALAMOS ETF TR | $214,197 | 0.07% | 8,018 | Common | NONE |
| 12811T787 | CPSY | CALAMOS ETF TR | $208,406 | 0.07% | 8,446 | Common | NONE |
| 744320102 | PRU | PRUDENTIAL FINL INC | $206,351 | 0.07% | 1,989 | Common | NONE |
| 09251A104 | BDJ | BLACKROCK ENHANCED EQUITY DI | $126,000 | 0.04% | 13,831 | Common | NONE |
Source: SEC EDGAR · raw 13F holdings as filed. The Class column shows the option type when reported (Put/Call) or Common when the issuer's equity is held directly. 13F discloses long positions only.