Sterling Financial Planning, Inc. Q4 2025 Filing

Filed January 27, 2026

Portfolio Value

$331.8B

Holdings

120

Report Date

Q4 2025

Filing Type

13F-HR

All Holdings (120 positions)

#	Stock	Shares	Value	% Portfolio
1	IAU*ISHARES GOLD TR	257,929	$20.9B	6.31%
2	IJJISHARES TR	152,975	$20.1B	6.07%
3	IJTISHARES TR	128,848	$18.2B	5.48%
4	IVWISHARES TR	145,862	$18.0B	5.42%
5	IJKISHARES TR	183,811	$17.8B	5.37%
6	DFIVDIMENSIONAL ETF TRUST	318,899	$15.9B	4.80%
7	FNDXSCHWAB STRATEGIC TR	432,500	$11.8B	3.55%
8	VYMVANGUARD WHITEHALL FDS	79,046	$11.3B	3.42%
9	DISVDIMENSIONAL ETF TRUST	296,858	$11.3B	3.40%
10	BIVVANGUARD BD INDEX FDS	129,501	$10.1B	3.04%
11	DFSVDIMENSIONAL ETF TRUST	286,687	$9.4B	2.84%
12	IJSISHARES TR	79,066	$9.0B	2.71%
13	XBJAINNOVATOR ETFS TRUST	274,850	$8.8B	2.65%
14	IVVISHARES TR	12,501	$8.6B	2.58%
15	DFIPDIMENSIONAL ETF TRUST	154,691	$6.4B	1.94%
16	DFEVDIMENSIONAL ETF TRUST	179,951	$6.1B	1.83%
17	DFGRDIMENSIONAL ETF TRUST	219,379	$5.8B	1.75%
18	IVEISHARES TR	22,961	$4.9B	1.47%
19	IJHISHARES TR	70,811	$4.7B	1.41%
20	EFGISHARES TR	40,778	$4.6B	1.40%
21	GQ9SPDR GOLD TR	11,718	$4.6B	1.40%
22	AQLTISHARES TR	188,307	$4.3B	1.31%
23	NDQINVESCO QQQ TR	7,032	$4.3B	1.30%
24	AAPLAPPLE INC	15,848	$4.3B	1.30%
25	BSVVANGUARD BD INDEX FDS	52,664	$4.2B	1.25%
26	VTEBVANGUARD MUN BD FDS	74,097	$3.7B	1.12%
27	VCSHVANGUARD SCOTTSDALE FDS	46,528	$3.7B	1.12%
28	VOEVANGUARD INDEX FDS	20,744	$3.7B	1.11%
29	VTESVANGUARD WELLINGTON FD	31,810	$3.2B	0.97%
30	IDV*ISHARES TR	80,816	$3.2B	0.96%
31	VOTVANGUARD INDEX FDS	11,295	$3.2B	0.95%
32	VNQVANGUARD INDEX FDS	31,331	$2.8B	0.84%
33	FNDCSCHWAB STRATEGIC TR	57,428	$2.6B	0.77%
34	VTIPVANGUARD MALVERN FDS	50,818	$2.5B	0.76%
35	BNDXVANGUARD CHARLOTTE FDS	51,946	$2.5B	0.76%
36	VBKVANGUARD INDEX FDS	8,259	$2.5B	0.75%
37	VBRVANGUARD INDEX FDS	11,462	$2.4B	0.73%
38	DGSWISDOMTREE TR	39,885	$2.3B	0.69%
39	JNJJOHNSON & JOHNSON	10,268	$2.1B	0.64%
40	VEAVANGUARD TAX-MANAGED FDS	29,562	$1.8B	0.56%
41	SPYSPDR S&P 500 ETF TR	2,629	$1.8B	0.54%
42	MUBISHARES TR	16,354	$1.8B	0.53%
43	MSFTMICROSOFT CORP	3,400	$1.6B	0.50%
44	TIPISHARES TR	14,867	$1.6B	0.49%
45	XOMEXXON MOBIL CORP	13,010	$1.6B	0.47%
46	PRFINVESCO EXCHANGE TRADED FD T	30,472	$1.4B	0.43%
47	SCZISHARES TR	17,663	$1.4B	0.41%
48	IJRISHARES TR	11,232	$1.3B	0.41%
49	BRK/BBERKSHIRE HATHAWAY INC DEL	2,282	$1.1B	0.35%
50	DFARDIMENSIONAL ETF TRUST	47,726	$1.1B	0.33%
51	RTXRTX CORPORATION	5,242	$961.0M	0.29%
52	SIGISELECTIVE INS GROUP INC	11,418	$955.0M	0.29%
53	DFLVDIMENSIONAL ETF TRUST	27,119	$927.0M	0.28%
54	VUGVANGUARD INDEX FDS	1,738	$848.0M	0.26%
55	GOOGLALPHABET INC	2,707	$847.0M	0.26%
56	LLYELI LILLY & CO	777	$835.0M	0.25%
57	DFUSDIMENSIONAL ETF TRUST	10,409	$772.0M	0.23%
58	OREALTY INCOME CORP	12,809	$722.0M	0.22%
59	PJANINNOVATOR ETFS TRUST	14,932	$702.0M	0.21%
60	MMM3M CO	4,368	$699.0M	0.21%
61	METAMETA PLATFORMS INC	1,008	$665.0M	0.20%
62	JPMJPMORGAN CHASE & CO.	1,986	$639.0M	0.19%
63	VIGVANGUARD SPECIALIZED FUNDS	2,886	$634.0M	0.19%
64	AMZNAMAZON COM INC	2,627	$606.0M	0.18%
65	PRFZINVESCO EXCHANGE TRADED FD T	13,106	$601.0M	0.18%
66	RSPINVESCO EXCHANGE TRADED FD T	3,086	$591.0M	0.18%
67	BNDVANGUARD BD INDEX FDS	7,869	$582.0M	0.18%
68	GOOGALPHABET INC	1,780	$558.0M	0.17%
69	MDYVSPDR SERIES TRUST	6,511	$551.0M	0.17%
70	VOVANGUARD INDEX FDS	1,872	$543.0M	0.16%
71	SCHESCHWAB STRATEGIC TR	15,235	$498.0M	0.15%
72	PQ3PROVIDENT FINL SVCS INC	25,139	$496.0M	0.15%
73	IBMINTERNATIONAL BUSINESS MACHS	1,667	$493.0M	0.15%
74	PEPPEPSICO INC	3,172	$455.0M	0.14%
75	COSTCOSTCO WHSL CORP NEW	526	$453.0M	0.14%
76	CPSYCALAMOS ETF TR	17,271	$433.0M	0.13%
77	PGPROCTER AND GAMBLE CO	2,872	$411.0M	0.12%
78	DEDEERE & CO	878	$408.0M	0.12%
79	DFISDIMENSIONAL ETF TRUST	11,583	$381.0M	0.11%
80	CSRECOHEN & STEERS ETF TRUST	14,857	$379.0M	0.11%
81	GDGENERAL DYNAMICS CORP	1,120	$376.0M	0.11%
82	EMBISHARES TR	3,805	$366.0M	0.11%
83	NVDANVIDIA CORPORATION	1,903	$355.0M	0.11%
84	VWOVANGUARD INTL EQUITY INDEX F	6,558	$352.0M	0.11%
85	TSLATESLA INC	733	$329.0M	0.10%
86	CVXCHEVRON CORP NEW	2,129	$324.0M	0.10%
87	MRKMERCK & CO INC	3,014	$317.0M	0.10%
88	QUALISHARES TR	1,582	$314.0M	0.09%
89	UAUGINNOVATOR ETFS TRUST	7,735	$308.0M	0.09%
90	XBAPINNOVATOR ETFS TRUST	7,732	$298.0M	0.09%
91	HDHOME DEPOT INC	857	$294.0M	0.09%
92	ABBVABBVIE INC	1,289	$294.0M	0.09%
93	VTIVANGUARD INDEX FDS	861	$288.0M	0.09%
94	MCDMCDONALDS CORP	945	$288.0M	0.09%
95	IDHQINVESCO EXCH TRADED FD TR II	8,188	$287.0M	0.09%
96	GEGE AEROSPACE	925	$284.0M	0.09%
97	LOWLOWES COS INC	1,164	$280.0M	0.08%
98	DIVSGUINNESS ATKINSON FDS	8,876	$274.0M	0.08%
99	AQLTISHARES TR	1,922	$271.0M	0.08%
100	PEGPUBLIC SVC ENTERPRISE GRP IN	3,331	$267.0M	0.08%

Page 1 of 2Next