Q4 2025 · 13F-HR
Sterling Financial Planning, Inc.holdings as filed
Filed 2026-01-27 · accession 0001844278-26-000001
$331.8M
Reported value
120
Positions
2025-12-31
Period end
The Brief · Sterling Financial Planning, Inc. · Q4 2025
AI · grounded in 13F
Sterling Financial Planning, Inc. closed its position in ORCL, reducing its holdings by $279,553. The fund also trimmed its stake in IBM by 30.97% and reduced its position in COST by 9.78%. Conversely, the firm increased its holdings in BIV by 18.21% and added to its position in IJJ by 3.45%.
Holdings as filed
| CUSIP | Ticker | Issuer | Value | % port. | Shares | Class | Voting |
|---|---|---|---|---|---|---|---|
| 464285204 | IAU | ISHARES GOLD TR | $20.9M | 6.31% | 257,929 | Common | NONE |
| 464287705 | IJJ | ISHARES TR | $20.1M | 6.07% | 152,975 | Common | NONE |
| 464287887 | IJT | ISHARES TR | $18.2M | 5.48% | 128,848 | Common | NONE |
| 464287309 | IVW | ISHARES TR | $18.0M | 5.42% | 145,862 | Common | NONE |
| 464287606 | IJK | ISHARES TR | $17.8M | 5.37% | 183,811 | Common | NONE |
| 25434V807 | DFIV | DIMENSIONAL ETF TRUST | $15.9M | 4.80% | 318,899 | Common | NONE |
| 808524771 | FNDX | SCHWAB STRATEGIC TR | $11.8M | 3.55% | 432,500 | Common | NONE |
| 921946406 | VYM | VANGUARD WHITEHALL FDS | $11.3M | 3.42% | 79,046 | Common | NONE |
| 25434V781 | DISV | DIMENSIONAL ETF TRUST | $11.3M | 3.40% | 296,858 | Common | NONE |
| 921937819 | BIV | VANGUARD BD INDEX FDS | $10.1M | 3.04% | 129,501 | Common | NONE |
| 25434V815 | DFSV | DIMENSIONAL ETF TRUST | $9.4M | 2.84% | 286,687 | Common | NONE |
| 464287879 | IJS | ISHARES TR | $9.0M | 2.71% | 79,066 | Common | NONE |
| 45783Y780 | XBJA | INNOVATOR ETFS TRUST | $8.8M | 2.65% | 274,850 | Common | NONE |
| 464287200 | IVV | ISHARES TR | $8.6M | 2.58% | 12,501 | Common | NONE |
| 25434V856 | DFIP | DIMENSIONAL ETF TRUST | $6.4M | 1.94% | 154,691 | Common | NONE |
| 25434V740 | DFEV | DIMENSIONAL ETF TRUST | $6.1M | 1.83% | 179,951 | Common | NONE |
| 25434V658 | DFGR | DIMENSIONAL ETF TRUST | $5.8M | 1.75% | 219,379 | Common | NONE |
| 464287408 | IVE | ISHARES TR | $4.9M | 1.47% | 22,961 | Common | NONE |
| 464287507 | IJH | ISHARES TR | $4.7M | 1.41% | 70,811 | Common | NONE |
| 464288885 | EFG | ISHARES TR | $4.6M | 1.40% | 40,778 | Common | NONE |
| 78463V107 | GLD | SPDR GOLD TR | $4.6M | 1.40% | 11,718 | Common | NONE |
| 46429B267 | GOVT | ISHARES TR | $4.3M | 1.31% | 188,307 | Common | NONE |
| 46090E103 | QQQ | INVESCO QQQ TR | $4.3M | 1.30% | 7,032 | Common | NONE |
| 037833100 | AAPL | APPLE INC | $4.3M | 1.30% | 15,848 | Common | NONE |
| 921937827 | BSV | VANGUARD BD INDEX FDS | $4.2M | 1.25% | 52,664 | Common | NONE |
| 922907746 | VTEB | VANGUARD MUN BD FDS | $3.7M | 1.12% | 74,097 | Common | NONE |
| 92206C409 | VCSH | VANGUARD SCOTTSDALE FDS | $3.7M | 1.12% | 46,528 | Common | NONE |
| 922908512 | VOE | VANGUARD INDEX FDS | $3.7M | 1.11% | 20,744 | Common | NONE |
| 921935870 | VTES | VANGUARD WELLINGTON FD | $3.2M | 0.97% | 31,810 | Common | NONE |
| 464288448 | IDV | ISHARES TR | $3.2M | 0.96% | 80,816 | Common | NONE |
| 922908538 | VOT | VANGUARD INDEX FDS | $3.2M | 0.95% | 11,295 | Common | NONE |
| 922908553 | VNQ | VANGUARD INDEX FDS | $2.8M | 0.84% | 31,331 | Common | NONE |
| 808524748 | FNDC | SCHWAB STRATEGIC TR | $2.6M | 0.77% | 57,428 | Common | NONE |
| 922020805 | VTIP | VANGUARD MALVERN FDS | $2.5M | 0.76% | 50,818 | Common | NONE |
| 92203J407 | BNDX | VANGUARD CHARLOTTE FDS | $2.5M | 0.76% | 51,946 | Common | NONE |
| 922908595 | VBK | VANGUARD INDEX FDS | $2.5M | 0.75% | 8,259 | Common | NONE |
| 922908611 | VBR | VANGUARD INDEX FDS | $2.4M | 0.73% | 11,462 | Common | NONE |
| 97717W281 | DGS | WISDOMTREE TR | $2.3M | 0.69% | 39,885 | Common | NONE |
| 478160104 | JNJ | JOHNSON & JOHNSON | $2.1M | 0.64% | 10,268 | Common | NONE |
| 921943858 | VEA | VANGUARD TAX-MANAGED FDS | $1.8M | 0.56% | 29,562 | Common | NONE |
| 78462F103 | SPY | SPDR S&P 500 ETF TR | $1.8M | 0.54% | 2,629 | Common | NONE |
| 464288414 | MUB | ISHARES TR | $1.8M | 0.53% | 16,354 | Common | NONE |
| 594918104 | MSFT | MICROSOFT CORP | $1.6M | 0.50% | 3,400 | Common | NONE |
| 464287176 | TIP | ISHARES TR | $1.6M | 0.49% | 14,867 | Common | NONE |
| 30231G102 | XOM | EXXON MOBIL CORP | $1.6M | 0.47% | 13,010 | Common | NONE |
| 46137V613 | PRF | INVESCO EXCHANGE TRADED FD T | $1.4M | 0.43% | 30,472 | Common | NONE |
| 464288273 | SCZ | ISHARES TR | $1.4M | 0.41% | 17,663 | Common | NONE |
| 464287804 | IJR | ISHARES TR | $1.3M | 0.41% | 11,232 | Common | NONE |
| 084670702 | BRK/B | BERKSHIRE HATHAWAY INC DEL | $1.1M | 0.35% | 2,282 | Common | NONE |
| 25434V823 | DFAR | DIMENSIONAL ETF TRUST | $1.1M | 0.33% | 47,726 | Common | NONE |
| 75513E101 | RTX | RTX CORPORATION | $961,383 | 0.29% | 5,242 | Common | NONE |
| 816300107 | SIGI | SELECTIVE INS GROUP INC | $955,344 | 0.29% | 11,418 | Common | NONE |
| 25434V666 | DFLV | DIMENSIONAL ETF TRUST | $927,741 | 0.28% | 27,119 | Common | NONE |
| 922908736 | VUG | VANGUARD INDEX FDS | $848,026 | 0.26% | 1,738 | Common | NONE |
| 02079K305 | GOOGL | ALPHABET INC | $847,291 | 0.26% | 2,707 | Common | NONE |
| 532457108 | LLY | ELI LILLY & CO | $835,326 | 0.25% | 777 | Common | NONE |
| 25434V401 | DFUS | DIMENSIONAL ETF TRUST | $772,020 | 0.23% | 10,409 | Common | NONE |
| 756109104 | O | REALTY INCOME CORP | $722,016 | 0.22% | 12,809 | Common | NONE |
| 45782C508 | PJAN | INNOVATOR ETFS TRUST | $702,100 | 0.21% | 14,932 | Common | NONE |
| 88579Y101 | MMM | 3M CO | $699,372 | 0.21% | 4,368 | Common | NONE |
| 30303M102 | META | META PLATFORMS INC | $665,500 | 0.20% | 1,008 | Common | NONE |
| 46625H100 | JPM | JPMORGAN CHASE & CO. | $639,929 | 0.19% | 1,986 | Common | NONE |
| 921908844 | VIG | VANGUARD SPECIALIZED FUNDS | $634,345 | 0.19% | 2,886 | Common | NONE |
| 023135106 | AMZN | AMAZON COM INC | $606,364 | 0.18% | 2,627 | Common | NONE |
| 46137V597 | PRFZ | INVESCO EXCHANGE TRADED FD T | $601,441 | 0.18% | 13,106 | Common | NONE |
| 46137V357 | RSP | INVESCO EXCHANGE TRADED FD T | $591,150 | 0.18% | 3,086 | Common | NONE |
| 921937835 | BND | VANGUARD BD INDEX FDS | $582,857 | 0.18% | 7,869 | Common | NONE |
| 02079K107 | GOOG | ALPHABET INC | $558,564 | 0.17% | 1,780 | Common | NONE |
| 78464A839 | MDYV | SPDR SERIES TRUST | $551,121 | 0.17% | 6,511 | Common | NONE |
| 922908629 | VO | VANGUARD INDEX FDS | $543,417 | 0.16% | 1,872 | Common | NONE |
| 808524706 | SCHE | SCHWAB STRATEGIC TR | $498,959 | 0.15% | 15,235 | Common | NONE |
| 74386T105 | PFS | PROVIDENT FINL SVCS INC | $496,495 | 0.15% | 25,139 | Common | NONE |
| 459200101 | IBM | INTERNATIONAL BUSINESS MACHS | $493,677 | 0.15% | 1,667 | Common | NONE |
| 713448108 | PEP | PEPSICO INC | $455,241 | 0.14% | 3,172 | Common | NONE |
| 22160K105 | COST | COSTCO WHSL CORP NEW | $453,952 | 0.14% | 526 | Common | NONE |
| 12811T787 | CPSY | CALAMOS ETF TR | $433,243 | 0.13% | 17,271 | Common | NONE |
| 742718109 | PG | PROCTER AND GAMBLE CO | $411,586 | 0.12% | 2,872 | Common | NONE |
| 244199105 | DE | DEERE & CO | $408,770 | 0.12% | 878 | Common | NONE |
| 25434V773 | DFIS | DIMENSIONAL ETF TRUST | $381,560 | 0.11% | 11,583 | Common | NONE |
| 19249U104 | CSRE | COHEN & STEERS ETF TRUST | $379,062 | 0.11% | 14,857 | Common | NONE |
| 369550108 | GD | GENERAL DYNAMICS CORP | $376,943 | 0.11% | 1,120 | Common | NONE |
| 464288281 | EMB | ISHARES TR | $366,329 | 0.11% | 3,805 | Common | NONE |
| 67066G104 | NVDA | NVIDIA CORPORATION | $355,000 | 0.11% | 1,903 | Common | NONE |
| 922042858 | VWO | VANGUARD INTL EQUITY INDEX F | $352,558 | 0.11% | 6,558 | Common | NONE |
| 88160R101 | TSLA | TESLA INC | $329,645 | 0.10% | 733 | Common | NONE |
| 166764100 | CVX | CHEVRON CORP NEW | $324,474 | 0.10% | 2,129 | Common | NONE |
| 58933Y105 | MRK | MERCK & CO INC | $317,254 | 0.10% | 3,014 | Common | NONE |
| 46432F339 | QUAL | ISHARES TR | $314,309 | 0.09% | 1,582 | Common | NONE |
| 45782C672 | UAUG | INNOVATOR ETFS TRUST | $308,781 | 0.09% | 7,735 | Common | NONE |
| 45783Y301 | XBAP | INNOVATOR ETFS TRUST | $298,992 | 0.09% | 7,732 | Common | NONE |
| 437076102 | HD | HOME DEPOT INC | $294,876 | 0.09% | 857 | Common | NONE |
| 00287Y109 | ABBV | ABBVIE INC | $294,524 | 0.09% | 1,289 | Common | NONE |
| 580135101 | MCD | MCDONALDS CORP | $288,799 | 0.09% | 945 | Common | NONE |
| 922908769 | VTI | VANGUARD INDEX FDS | $288,723 | 0.09% | 861 | Common | NONE |
| 46138E214 | IDHQ | INVESCO EXCH TRADED FD TR II | $287,793 | 0.09% | 8,188 | Common | NONE |
| 369604301 | GE | GE AEROSPACE | $284,955 | 0.09% | 925 | Common | NONE |
| 548661107 | LOW | LOWES COS INC | $280,710 | 0.08% | 1,164 | Common | NONE |
| 402031835 | DIVS | GUINNESS ATKINSON FDS | $274,498 | 0.08% | 8,876 | Common | NONE |
| 464287168 | DVY | ISHARES TR | $271,227 | 0.08% | 1,922 | Common | NONE |
| 744573106 | PEG | PUBLIC SVC ENTERPRISE GRP IN | $267,453 | 0.08% | 3,331 | Common | NONE |
| 14448C104 | CARR | CARRIER GLOBAL CORPORATION | $265,627 | 0.08% | 5,027 | Common | NONE |
| 92343V104 | VZ | VERIZON COMMUNICATIONS INC | $258,213 | 0.08% | 6,340 | Common | NONE |
| 92206C714 | VONV | VANGUARD SCOTTSDALE FDS | $256,309 | 0.08% | 2,777 | Common | NONE |
| 808524102 | SCHB | SCHWAB STRATEGIC TR | $254,411 | 0.08% | 9,699 | Common | NONE |
| 12811T803 | CPSJ | CALAMOS ETF TR | $253,983 | 0.08% | 9,447 | Common | NONE |
| 512807306 | LRCX | LAM RESEARCH CORP | $245,643 | 0.07% | 1,435 | Common | NONE |
| 78464A821 | MDYG | SPDR SERIES TRUST | $244,493 | 0.07% | 2,645 | Common | NONE |
| 293792107 | EPD | ENTERPRISE PRODS PARTNERS L | $241,626 | 0.07% | 7,537 | Common | NONE |
| 30040W108 | ES | EVERSOURCE ENERGY | $232,423 | 0.07% | 3,452 | Common | NONE |
| 464288810 | IHI | ISHARES TR | $225,614 | 0.07% | 3,630 | Common | NONE |
| 464287622 | IWB | ISHARES TR | $219,956 | 0.07% | 589 | Common | NONE |
| 68902V107 | OTIS | OTIS WORLDWIDE CORP | $219,511 | 0.07% | 2,513 | Common | NONE |
| 12811T886 | CPST | CALAMOS ETF TR | $216,681 | 0.07% | 8,018 | Common | NONE |
| 075887109 | BDX | BECTON DICKINSON & CO | $216,643 | 0.07% | 1,116 | Common | NONE |
| 922908363 | VOO | VANGUARD INDEX FDS | $212,586 | 0.06% | 339 | Common | NONE |
| 149123101 | CAT | CATERPILLAR INC | $212,535 | 0.06% | 371 | Common | NONE |
| V7780T103 | RCL | ROYAL CARIBBEAN GROUP | $209,190 | 0.06% | 750 | Common | NONE |
| 17275R102 | CSCO | CISCO SYS INC | $208,366 | 0.06% | 2,705 | Common | NONE |
| 744320102 | PRU | PRUDENTIAL FINL INC | $206,810 | 0.06% | 1,832 | Common | NONE |
| 09251A104 | BDJ | BLACKROCK ENHANCED EQUITY DI | $131,118 | 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.