Q1 2026 · 13F-HR
Sterling Financial Planning, Inc.holdings as filed
Filed 2026-05-06 · accession 0001844278-26-000003
$337.3M
Reported value
117
Positions
2026-03-31
Period end
The Brief · Sterling Financial Planning, Inc. · Q1 2026
AI · grounded in 13F
Sterling Financial Planning, Inc. reduced its position in BND by 63.36%. The fund increased its holdings in VCSH by 19.5% and BIV by 10.72%. Other activity included trimming positions in MSFT by 3.68% and AAPL by 1.09%.
Holdings as filed
| CUSIP | Ticker | Issuer | Value | % port. | Shares | Class | Voting |
|---|---|---|---|---|---|---|---|
| 464285204 | IAU | ISHARES GOLD TR | $20.7M | 6.15% | 235,289 | Common | NONE |
| 464287705 | IJJ | ISHARES TR | $20.4M | 6.05% | 153,885 | Common | NONE |
| 464287887 | IJT | ISHARES TR | $18.8M | 5.57% | 129,856 | Common | NONE |
| 464287606 | IJK | ISHARES TR | $18.7M | 5.53% | 185,467 | Common | NONE |
| 464287309 | IVW | ISHARES TR | $16.8M | 4.99% | 148,706 | Common | NONE |
| 25434V807 | DFIV | DIMENSIONAL ETF TRUST | $16.3M | 4.82% | 308,128 | Common | NONE |
| 921946406 | VYM | VANGUARD WHITEHALL FDS | $12.1M | 3.58% | 81,419 | Common | NONE |
| 808524771 | FNDX | SCHWAB STRATEGIC TR | $11.8M | 3.50% | 424,251 | Common | NONE |
| 25434V781 | DISV | DIMENSIONAL ETF TRUST | $11.7M | 3.47% | 296,369 | Common | NONE |
| 921937819 | BIV | VANGUARD BD INDEX FDS | $11.1M | 3.28% | 143,377 | Common | NONE |
| 25434V815 | DFSV | DIMENSIONAL ETF TRUST | $10.2M | 3.01% | 289,877 | Common | NONE |
| 464287879 | IJS | ISHARES TR | $9.1M | 2.69% | 76,707 | Common | NONE |
| 45783Y780 | XBJA | INNOVATOR ETFS TRUST | $8.9M | 2.64% | 284,947 | Common | NONE |
| 464287200 | IVV | ISHARES TR | $8.1M | 2.40% | 12,401 | Common | NONE |
| 25434V856 | DFIP | DIMENSIONAL ETF TRUST | $7.1M | 2.11% | 170,748 | Common | NONE |
| 25434V740 | DFEV | DIMENSIONAL ETF TRUST | $6.3M | 1.88% | 176,980 | Common | NONE |
| 25434V658 | DFGR | DIMENSIONAL ETF TRUST | $6.3M | 1.85% | 235,258 | Common | NONE |
| 464287408 | IVE | ISHARES TR | $4.8M | 1.43% | 22,858 | Common | NONE |
| 464287507 | IJH | ISHARES TR | $4.7M | 1.38% | 68,967 | Common | NONE |
| 921937827 | BSV | VANGUARD BD INDEX FDS | $4.6M | 1.36% | 58,630 | Common | NONE |
| 78463V107 | GLD | SPDR GOLD TR | $4.6M | 1.36% | 10,661 | Common | NONE |
| 464288885 | EFG | ISHARES TR | $4.5M | 1.34% | 40,694 | Common | NONE |
| 92206C409 | VCSH | VANGUARD SCOTTSDALE FDS | $4.4M | 1.31% | 55,601 | Common | NONE |
| 46429B267 | GOVT | ISHARES TR | $4.4M | 1.31% | 192,211 | Common | NONE |
| 46090E103 | QQQ | INVESCO QQQ TR | $4.0M | 1.19% | 6,969 | Common | NONE |
| 922908512 | VOE | VANGUARD INDEX FDS | $4.0M | 1.19% | 21,791 | Common | NONE |
| 037833100 | AAPL | APPLE INC | $4.0M | 1.18% | 15,675 | Common | NONE |
| 922907746 | VTEB | VANGUARD MUN BD FDS | $3.9M | 1.15% | 77,439 | Common | NONE |
| 921935870 | VTES | VANGUARD WELLINGTON FD | $3.3M | 0.99% | 32,976 | Common | NONE |
| 464288448 | IDV | ISHARES TR | $3.2M | 0.95% | 75,408 | Common | NONE |
| 922908538 | VOT | VANGUARD INDEX FDS | $2.9M | 0.86% | 11,302 | Common | NONE |
| 92203J407 | BNDX | VANGUARD CHARLOTTE FDS | $2.9M | 0.85% | 59,419 | Common | NONE |
| 922908553 | VNQ | VANGUARD INDEX FDS | $2.8M | 0.84% | 31,916 | Common | NONE |
| 922020805 | VTIP | VANGUARD MALVERN FDS | $2.8M | 0.83% | 56,072 | Common | NONE |
| 922908595 | VBK | VANGUARD INDEX FDS | $2.6M | 0.76% | 8,499 | Common | NONE |
| 808524748 | FNDC | SCHWAB STRATEGIC TR | $2.5M | 0.73% | 53,136 | Common | NONE |
| 97717W281 | DGS | WISDOMTREE TR | $2.4M | 0.71% | 39,616 | Common | NONE |
| 478160104 | JNJ | JOHNSON & JOHNSON | $2.4M | 0.70% | 9,724 | Common | NONE |
| 922908611 | VBR | VANGUARD INDEX FDS | $2.3M | 0.67% | 10,412 | Common | NONE |
| 30231G102 | XOM | EXXON MOBIL CORP | $2.2M | 0.65% | 12,970 | Common | NONE |
| 921943858 | VEA | VANGUARD TAX-MANAGED FDS | $1.8M | 0.55% | 28,844 | Common | NONE |
| 464288414 | MUB | ISHARES TR | $1.7M | 0.51% | 16,349 | Common | NONE |
| 78462F103 | SPY | STATE STR SPDR S&P 500 ETF T | $1.7M | 0.50% | 2,596 | Common | NONE |
| 464287176 | TIP | ISHARES TR | $1.6M | 0.47% | 14,276 | Common | NONE |
| 46137V613 | PRF | INVESCO EXCHANGE TRADED FD T | $1.4M | 0.43% | 30,479 | Common | NONE |
| 464287804 | IJR | ISHARES TR | $1.4M | 0.41% | 11,126 | Common | NONE |
| 464288273 | SCZ | ISHARES TR | $1.3M | 0.38% | 16,559 | Common | NONE |
| 594918104 | MSFT | MICROSOFT CORP | $1.2M | 0.36% | 3,275 | Common | NONE |
| 25434V823 | DFAR | DIMENSIONAL ETF TRUST | $1.2M | 0.35% | 50,188 | Common | NONE |
| 084670702 | BRK/B | BERKSHIRE HATHAWAY INC DEL | $1.1M | 0.32% | 2,282 | Common | NONE |
| 25434V666 | DFLV | DIMENSIONAL ETF TRUST | $1.0M | 0.30% | 28,375 | Common | NONE |
| 75513E101 | RTX | RTX CORPORATION | $1.0M | 0.30% | 5,242 | Common | NONE |
| 816300107 | SIGI | SELECTIVE INS GROUP INC | $818,886 | 0.24% | 10,862 | Common | NONE |
| 756109104 | O | REALTY INCOME CORP | $784,596 | 0.23% | 12,824 | Common | NONE |
| 922908736 | VUG | VANGUARD INDEX FDS | $776,288 | 0.23% | 1,777 | Common | NONE |
| 02079K305 | GOOGL | ALPHABET INC | $764,047 | 0.23% | 2,657 | Common | NONE |
| 25434V401 | DFUS | DIMENSIONAL ETF TRUST | $738,943 | 0.22% | 10,421 | Common | NONE |
| 532457108 | LLY | ELI LILLY & CO | $714,918 | 0.21% | 777 | Common | NONE |
| 45782C508 | PJAN | INNOVATOR ETFS TRUST | $690,195 | 0.20% | 14,962 | Common | NONE |
| 22160K105 | COST | COSTCO WHOLESALE CORPORATION | $639,130 | 0.19% | 641 | Common | NONE |
| 88579Y101 | MMM | 3M CO | $634,415 | 0.19% | 4,368 | Common | NONE |
| 12811T787 | CPSY | CALAMOS ETF TR | $624,822 | 0.19% | 24,970 | Common | NONE |
| 921908844 | VIG | VANGUARD SPECIALIZED FUNDS | $620,721 | 0.18% | 2,886 | Common | NONE |
| 30303M102 | META | META PLATFORMS INC | $598,680 | 0.18% | 1,046 | Common | NONE |
| 46137V357 | RSP | INVESCO EXCHANGE TRADED FD T | $588,422 | 0.17% | 3,066 | Common | NONE |
| 46625H100 | JPM | JPMORGAN CHASE & CO | $584,202 | 0.17% | 1,986 | Common | NONE |
| 023135106 | AMZN | AMAZON COM INC | $558,788 | 0.17% | 2,683 | Common | NONE |
| 46137V597 | PRFZ | INVESCO EXCHANGE TRADED FD T | $556,055 | 0.16% | 12,122 | Common | NONE |
| 78464A839 | MDYV | SPDR SERIES TRUST | $552,979 | 0.16% | 6,494 | Common | NONE |
| 922908629 | VO | VANGUARD INDEX FDS | $549,090 | 0.16% | 1,912 | Common | NONE |
| 02079K107 | GOOG | ALPHABET INC | $495,175 | 0.15% | 1,726 | Common | NONE |
| 808524706 | SCHE | SCHWAB STRATEGIC TR | $494,914 | 0.15% | 15,020 | Common | NONE |
| 713448108 | PEP | PEPSICO INC | $493,194 | 0.15% | 3,176 | Common | NONE |
| 244199105 | DE | DEERE & CO | $485,565 | 0.14% | 862 | Common | NONE |
| 74386T105 | PFS | PROVIDENT FINL SVCS INC | $458,939 | 0.14% | 21,689 | Common | NONE |
| 002824100 | ABT | ABBOTT LABORATORIES | $449,079 | 0.13% | 4,374 | Common | NONE |
| 19249U104 | CSRE | COHEN & STEERS ETF TRUST | $418,746 | 0.12% | 15,934 | Common | NONE |
| 166764100 | CVX | CHEVRON CORPORATION | $411,971 | 0.12% | 1,991 | Common | NONE |
| 742718109 | PG | PROCTER & GAMBLE CO | $405,876 | 0.12% | 2,810 | Common | NONE |
| 459200101 | IBM | INTERNATIONAL BUSINESS MACHS | $403,978 | 0.12% | 1,667 | Common | NONE |
| 369550108 | GD | GENERAL DYNAMICS CORP | $385,608 | 0.11% | 1,124 | Common | NONE |
| 25434V773 | DFIS | DIMENSIONAL ETF TRUST | $363,229 | 0.11% | 10,788 | Common | NONE |
| 58933Y105 | MRK | MERCK & CO INC | $362,554 | 0.11% | 3,014 | Common | NONE |
| 464288281 | EMB | ISHARES TR | $358,103 | 0.11% | 3,812 | Common | NONE |
| 922042858 | VWO | VANGUARD INTL EQUITY INDEX F | $343,272 | 0.10% | 6,351 | Common | NONE |
| 67066G104 | NVDA | NVIDIA CORPORATION | $331,969 | 0.10% | 1,903 | Common | NONE |
| 92343V104 | VZ | VERIZON COMMUNICATIONS INC | $318,249 | 0.09% | 6,340 | Common | NONE |
| 512807306 | LRCX | LAM RESEARCH CORP | $306,602 | 0.09% | 1,435 | Common | NONE |
| 45782C672 | UAUG | INNOVATOR ETFS TRUST | $304,327 | 0.09% | 7,735 | Common | NONE |
| 46432F339 | QUAL | ISHARES TR | $303,589 | 0.09% | 1,583 | Common | NONE |
| 45783Y301 | XBAP | INNOVATOR ETFS TRUST | $302,659 | 0.09% | 7,732 | Common | NONE |
| 464287168 | DVY | ISHARES TR | $290,963 | 0.09% | 1,922 | Common | NONE |
| 293792107 | EPD | ENTERPRISE PRODS PARTNERS L | $287,280 | 0.09% | 7,592 | Common | NONE |
| 14448C104 | CARR | CARRIER GLOBAL CORPORATION | $283,070 | 0.08% | 5,027 | Common | NONE |
| 437076102 | HD | HOME DEPOT INC | $282,699 | 0.08% | 860 | Common | NONE |
| 46138E214 | IDHQ | INVESCO EXCH TRADED FD TR II | $280,540 | 0.08% | 7,932 | Common | NONE |
| 00287Y109 | ABBV | ABBVIE INC | $280,345 | 0.08% | 1,289 | Common | NONE |
| 922908769 | VTI | VANGUARD INDEX FDS | $279,811 | 0.08% | 872 | Common | NONE |
| 580135101 | MCD | MCDONALDS CORP | $278,141 | 0.08% | 895 | Common | NONE |
| 548661107 | LOW | LOWES COS INC | $275,030 | 0.08% | 1,164 | Common | NONE |
| 744573106 | PEG | PUBLIC SVC ENTERPRISE GROUP | $269,618 | 0.08% | 3,331 | Common | NONE |
| 369604301 | GE | GE AEROSPACE | $262,512 | 0.08% | 925 | Common | NONE |
| 92206C714 | VONV | VANGUARD SCOTTSDALE FDS | $261,451 | 0.08% | 2,789 | Common | NONE |
| 88160R101 | TSLA | TESLA INC | $258,366 | 0.08% | 695 | Common | NONE |
| 12811T803 | CPSJ | CALAMOS ETF TR | $253,873 | 0.08% | 9,447 | Common | NONE |
| 78464A821 | MDYG | SPDR SERIES TRUST | $252,902 | 0.07% | 2,635 | Common | NONE |
| 149123101 | CAT | CATERPILLAR INC | $248,669 | 0.07% | 351 | Common | NONE |
| 808524102 | SCHB | SCHWAB STRATEGIC TR | $244,137 | 0.07% | 9,727 | Common | NONE |
| 30040W108 | ES | EVERSOURCE ENERGY | $239,155 | 0.07% | 3,452 | Common | NONE |
| 92204A306 | VDE | VANGUARD WORLD FD | $225,644 | 0.07% | 1,304 | Common | NONE |
| 12811T886 | CPST | CALAMOS ETF TR | $216,286 | 0.06% | 8,018 | Common | NONE |
| 921937835 | BND | VANGUARD BD INDEX FDS | $212,304 | 0.06% | 2,883 | Common | NONE |
| 464287622 | IWB | ISHARES TR | $210,014 | 0.06% | 589 | Common | NONE |
| 17275R102 | CSCO | CISCO SYS INC | $209,881 | 0.06% | 2,705 | Common | NONE |
| 45782C425 | UFEB | INNOVATOR ETFS TRUST | $205,204 | 0.06% | 5,653 | Common | NONE |
| 922908363 | VOO | VANGUARD INDEX FDS | $201,079 | 0.06% | 337 | Common | NONE |
| 09251A104 | BDJ | BLACKROCK ENHANCED EQUITY DI | $119,223 | 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.