Sterling Financial Planning, Inc. Q4 2025 Filing

Filed January 27, 2026

Portfolio Value

$331.8M

Holdings

120

Report Date

Q4 2025

Filing Type

13F-HR

All Holdings (120 positions)

#StockSharesValue% PortfolioType
1
IAU*ISHARES GOLD TR
257,929$20.9M6.31%
2
IJJISHARES TR
152,975$20.1M6.07%
3
IJTISHARES TR
128,848$18.2M5.48%
4
IVWISHARES TR
145,862$18.0M5.42%
5
IJKISHARES TR
183,811$17.8M5.37%
6
DFIVDIMENSIONAL ETF TRUST
318,899$15.9M4.80%
7
FNDXSCHWAB STRATEGIC TR
432,500$11.8M3.55%
8
VYMVANGUARD WHITEHALL FDS
79,046$11.3M3.42%
9
DISVDIMENSIONAL ETF TRUST
296,858$11.3M3.40%
10
BIVVANGUARD BD INDEX FDS
129,501$10.1M3.04%
11
DFSVDIMENSIONAL ETF TRUST
286,687$9.4M2.84%
12
IJSISHARES TR
79,066$9.0M2.71%
13
XBJAINNOVATOR ETFS TRUST
274,850$8.8M2.65%
14
IVVISHARES TR
12,501$8.6M2.58%
15
DFIPDIMENSIONAL ETF TRUST
154,691$6.4M1.94%
16
DFEVDIMENSIONAL ETF TRUST
179,951$6.1M1.83%
17
DFGRDIMENSIONAL ETF TRUST
219,379$5.8M1.75%
18
IVEISHARES TR
22,961$4.9M1.47%
19
IJHISHARES TR
70,811$4.7M1.41%
20
EFGISHARES TR
40,778$4.6M1.40%
21
GQ9SPDR GOLD TR
11,718$4.6M1.40%
22
AQLTISHARES TR
188,307$4.3M1.31%
23
NDQINVESCO QQQ TR
7,032$4.3M1.30%
24
AAPLAPPLE INC
15,848$4.3M1.30%
25
BSVVANGUARD BD INDEX FDS
52,664$4.2M1.25%
26
VTEBVANGUARD MUN BD FDS
74,097$3.7M1.12%
27
VCSHVANGUARD SCOTTSDALE FDS
46,528$3.7M1.12%
28
VOEVANGUARD INDEX FDS
20,744$3.7M1.11%
29
VTESVANGUARD WELLINGTON FD
31,810$3.2M0.97%
30
IDV*ISHARES TR
80,816$3.2M0.96%
31
VOTVANGUARD INDEX FDS
11,295$3.2M0.95%
32
VNQVANGUARD INDEX FDS
31,331$2.8M0.84%
33
FNDCSCHWAB STRATEGIC TR
57,428$2.6M0.77%
34
VTIPVANGUARD MALVERN FDS
50,818$2.5M0.76%
35
BNDXVANGUARD CHARLOTTE FDS
51,946$2.5M0.76%
36
VBKVANGUARD INDEX FDS
8,259$2.5M0.75%
37
VBRVANGUARD INDEX FDS
11,462$2.4M0.73%
38
DGSWISDOMTREE TR
39,885$2.3M0.69%
39
JNJJOHNSON & JOHNSON
10,268$2.1M0.64%
40
VEAVANGUARD TAX-MANAGED FDS
29,562$1.8M0.56%
41
SPYSPDR S&P 500 ETF TR
2,629$1.8M0.54%
42
MUBISHARES TR
16,354$1.8M0.53%
43
MSFTMICROSOFT CORP
3,400$1.6M0.50%
44
TIPISHARES TR
14,867$1.6M0.49%
45
XOMEXXON MOBIL CORP
13,010$1.6M0.47%
46
PRFINVESCO EXCHANGE TRADED FD T
30,472$1.4M0.43%
47
SCZISHARES TR
17,663$1.4M0.41%
48
IJRISHARES TR
11,232$1.3M0.41%
49
BRK/BBERKSHIRE HATHAWAY INC DEL
2,282$1.1M0.35%
50
DFARDIMENSIONAL ETF TRUST
47,726$1.1M0.33%
51
RTXRTX CORPORATION
5,242$961K0.29%
52
SIGISELECTIVE INS GROUP INC
11,418$955K0.29%
53
DFLVDIMENSIONAL ETF TRUST
27,119$927K0.28%
54
VUGVANGUARD INDEX FDS
1,738$848K0.26%
55
GOOGLALPHABET INC
2,707$847K0.26%
56
LLYELI LILLY & CO
777$835K0.25%
57
DFUSDIMENSIONAL ETF TRUST
10,409$772K0.23%
58
OREALTY INCOME CORP
12,809$722K0.22%
59
PJANINNOVATOR ETFS TRUST
14,932$702K0.21%
60
MMM3M CO
4,368$699K0.21%
61
METAMETA PLATFORMS INC
1,008$665K0.20%
62
JPMJPMORGAN CHASE & CO.
1,986$639K0.19%
63
VIGVANGUARD SPECIALIZED FUNDS
2,886$634K0.19%
64
AMZNAMAZON COM INC
2,627$606K0.18%
65
PRFZINVESCO EXCHANGE TRADED FD T
13,106$601K0.18%
66
RSPINVESCO EXCHANGE TRADED FD T
3,086$591K0.18%
67
BNDVANGUARD BD INDEX FDS
7,869$582K0.18%
68
GOOGALPHABET INC
1,780$558K0.17%
69
MDYVSPDR SERIES TRUST
6,511$551K0.17%
70
VOVANGUARD INDEX FDS
1,872$543K0.16%
71
SCHESCHWAB STRATEGIC TR
15,235$498K0.15%
72
PQ3PROVIDENT FINL SVCS INC
25,139$496K0.15%
73
IBMINTERNATIONAL BUSINESS MACHS
1,667$493K0.15%
74
PEPPEPSICO INC
3,172$455K0.14%
75
COSTCOSTCO WHSL CORP NEW
526$453K0.14%
76
CPSYCALAMOS ETF TR
17,271$433K0.13%
77
PGPROCTER AND GAMBLE CO
2,872$411K0.12%
78
DEDEERE & CO
878$408K0.12%
79
DFISDIMENSIONAL ETF TRUST
11,583$381K0.11%
80
CSRECOHEN & STEERS ETF TRUST
14,857$379K0.11%
81
GDGENERAL DYNAMICS CORP
1,120$376K0.11%
82
EMBISHARES TR
3,805$366K0.11%
83
NVDANVIDIA CORPORATION
1,903$355K0.11%
84
VWOVANGUARD INTL EQUITY INDEX F
6,558$352K0.11%
85
TSLATESLA INC
733$329K0.10%
86
CVXCHEVRON CORP NEW
2,129$324K0.10%
87
MRKMERCK & CO INC
3,014$317K0.10%
88
QUALISHARES TR
1,582$314K0.09%
89
UAUGINNOVATOR ETFS TRUST
7,735$308K0.09%
90
XBAPINNOVATOR ETFS TRUST
7,732$298K0.09%
91
HDHOME DEPOT INC
857$294K0.09%
92
ABBVABBVIE INC
1,289$294K0.09%
93
VTIVANGUARD INDEX FDS
861$288K0.09%
94
MCDMCDONALDS CORP
945$288K0.09%
95
IDHQINVESCO EXCH TRADED FD TR II
8,188$287K0.09%
96
GEGE AEROSPACE
925$284K0.09%
97
LOWLOWES COS INC
1,164$280K0.08%
98
DIVSGUINNESS ATKINSON FDS
8,876$274K0.08%
99
AQLTISHARES TR
1,922$271K0.08%
100
PEGPUBLIC SVC ENTERPRISE GRP IN
3,331$267K0.08%
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