# Bernardo Wealth Planning LLC

> Institutional holdings reported to the SEC as of Q2 2026 on Form 13F. CIK 1765595. Source: https://holderbook.com/funds/1765595-bernardo-wealth-planning-llc/

- Reported value: $585.4M
- Positions: 139
- Weight of the ten largest: 54.9%
- Filed: 2026-07-27

A 13F reports long US equity positions only. Short positions, bonds, foreign listings, private holdings and cash are not visible, so this is not the manager's whole book.

## Holdings

| Security | Ticker | Value | Shares | Weight | Quarters held |
|---|---|---|---|---|---|
| ISHARES TR | [IVV](https://holderbook.com/stocks/IVV/) | $65.2M | 87,118 | 11.1% | 31 |
| VANGUARD WORLD FD | [MGK](https://holderbook.com/stocks/MGK/) | $43.1M | 490,460 | 7.4% | 31 |
| VANGUARD SCOTTSDALE FDS | [VONV](https://holderbook.com/stocks/VONV/) | $36.3M | 341,766 | 6.2% | 31 |
| VANGUARD WORLD FD | [MGV](https://holderbook.com/stocks/MGV/) | $30.6M | 187,389 | 5.2% | 26 |
| CAPITAL GRP FIXED INCM ETF T | [CGCP](https://holderbook.com/stocks/CGCP/) | $27.6M | 1,240,288 | 4.7% | 13 |
| ISHARES TR | [ITOT](https://holderbook.com/stocks/ITOT/) | $27.2M | 165,672 | 4.6% | 27 |
| VANGUARD SCOTTSDALE FDS | [VONG](https://holderbook.com/stocks/VONG/) | $27.1M | 212,221 | 4.6% | 31 |
| DIMENSIONAL ETF TRUST | [DFUS](https://holderbook.com/stocks/DFUS/) | $24.6M | 300,091 | 4.2% | 9 |
| INVESCO EXCHANGE TRADED FD T | [RSP](https://holderbook.com/stocks/RSP/) | $20.8M | 97,923 | 3.6% | 12 |
| VANGUARD WHITEHALL FDS | [VYM](https://holderbook.com/stocks/VYM/) | $18.7M | 118,550 | 3.2% | 16 |
| J P MORGAN EXCHANGE TRADED F | [JPIE](https://holderbook.com/stocks/JPIE/) | $17.1M | 371,857 | 2.9% | 15 |
| J P MORGAN EXCHANGE TRADED F | [JEPI](https://holderbook.com/stocks/JEPI/) | $15.7M | 277,579 | 2.7% | 16 |
| ISHARES TR | [IGSB](https://holderbook.com/stocks/IGSB/) | $14.6M | 279,481 | 2.5% | 25 |
| VANGUARD BD INDEX FDS | [BIV](https://holderbook.com/stocks/BIV/) | $14.2M | 184,804 | 2.4% | 15 |
| ISHARES TR | [MBB](https://holderbook.com/stocks/MBB/) | $14.0M | 148,098 | 2.4% | 23 |
| J P MORGAN EXCHANGE TRADED F | [JEPQ](https://holderbook.com/stocks/JEPQ/) | $13.7M | 222,110 | 2.3% | 14 |
| ISHARES TR | [GOVT](https://holderbook.com/stocks/GOVT/) | $12.7M | 558,067 | 2.2% | 28 |
| VANGUARD INTL EQUITY INDEX F | [VT](https://holderbook.com/stocks/VT/) | $12.6M | 80,088 | 2.1% | 2 |
| APPLE INC | [AAPL](https://holderbook.com/stocks/AAPL/) | $12.1M | 41,749 | 2.1% | 31 |
| INVESCO QQQ TR | [QQQ](https://holderbook.com/stocks/QQQ/) | $7.8M | 10,651 | 1.3% | 31 |
| INVESCO EXCH TRADED FD TR II | [QQQM](https://holderbook.com/stocks/QQQM/) | $6.2M | 20,595 | 1.1% | 5 |
| VANGUARD INDEX FDS | [VB](https://holderbook.com/stocks/VB/) | $6.2M | 20,452 | 1.1% | 11 |
| VANGUARD INDEX FDS | [VO](https://holderbook.com/stocks/VO/) | $5.9M | 73,106 | 1.0% | 11 |
| HARTFORD FDS EXCHANGE TRADED | [HMOP](https://holderbook.com/stocks/HMOP/) | $5.3M | 134,295 | 0.9% | 15 |
| FIRST TR EXCHANGE-TRADED FD | [FTCS](https://holderbook.com/stocks/FTCS/) | $4.9M | 52,661 | 0.8% | 5 |
| AMAZON COM INC | [AMZN](https://holderbook.com/stocks/AMZN/) | $4.7M | 19,895 | 0.8% | 31 |
| ISHARES TR | [IXN](https://holderbook.com/stocks/IXN/) | $4.6M | 31,666 | 0.8% | 31 |
| NEW YORK LIFE INVTS ACTIVE E | [MMIT](https://holderbook.com/stocks/MMIT/) | $3.8M | 154,889 | 0.6% | 15 |
| ALPHABET INC | [GOOG](https://holderbook.com/stocks/GOOG/) | $3.1M | 8,845 | 0.5% | 31 |
| NVIDIA CORPORATION | [NVDA](https://holderbook.com/stocks/NVDA/) | $3.0M | 14,798 | 0.5% | 10 |
| ISHARES TR | [HDV](https://holderbook.com/stocks/HDV/) | $2.7M | 97,153 | 0.5% | 31 |
| ISHARES TR | [IVW](https://holderbook.com/stocks/IVW/) | $2.6M | 18,913 | 0.4% | 31 |
| PROSHARES TR | [ISPY](https://holderbook.com/stocks/ISPY/) | $2.6M | 53,636 | 0.4% | 6 |
| VANGUARD INDEX FDS | [VTV](https://holderbook.com/stocks/VTV/) | $2.3M | 10,622 | 0.4% | 16 |
| MERCK & CO INC | [MRK](https://holderbook.com/stocks/MRK/) | $2.2M | 17,399 | 0.4% | 31 |
| ISHARES TR | [IVE](https://holderbook.com/stocks/IVE/) | $2.1M | 9,403 | 0.4% | 31 |
| J P MORGAN EXCHANGE TRADED F | [JMUB](https://holderbook.com/stocks/JMUB/) | $2.1M | 41,502 | 0.4% | 10 |
| ISHARES TR | [MUB](https://holderbook.com/stocks/MUB/) | $2.0M | 19,034 | 0.3% | 26 |
| ISHARES TR | [USMV](https://holderbook.com/stocks/USMV/) | $1.9M | 19,216 | 0.3% | 31 |
| VANGUARD INDEX FDS | [VTI](https://holderbook.com/stocks/VTI/) | $1.8M | 4,945 | 0.3% | 31 |
| STATE STR SPDR S&P 500 ETF T | [SPY](https://holderbook.com/stocks/SPY/) | $1.8M | 2,406 | 0.3% | 17 |
| MICROSOFT CORP | [MSFT](https://holderbook.com/stocks/MSFT/) | $1.8M | 4,805 | 0.3% | 31 |
| JOHNSON & JOHNSON | [JNJ](https://holderbook.com/stocks/JNJ/) | $1.8M | 7,052 | 0.3% | 31 |
| TESLA INC | [TSLA](https://holderbook.com/stocks/TSLA/) | $1.6M | 3,888 | 0.3% | 27 |
| VANGUARD INDEX FDS | [VOO](https://holderbook.com/stocks/VOO/) | $1.6M | 2,368 | 0.3% | 19 |
| ISHARES TR | [QUAL](https://holderbook.com/stocks/QUAL/) | $1.5M | 7,021 | 0.3% | 27 |
| ISHARES TR | [IWV](https://holderbook.com/stocks/IWV/) | $1.5M | 3,411 | 0.2% | 8 |
| VANGUARD MUN BD FDS | [VTEB](https://holderbook.com/stocks/VTEB/) | $1.4M | 28,320 | 0.2% | 10 |
| ALPHABET INC | [GOOGL](https://holderbook.com/stocks/GOOGL/) | $1.3M | 3,679 | 0.2% | 10 |
| SPDR SERIES TRUST | [SPTM](https://holderbook.com/stocks/SPTM/) | $1.3M | 14,160 | 0.2% | 29 |
| BROADCOM INC | [AVGO](https://holderbook.com/stocks/AVGO/) | $1.2M | 3,123 | 0.2% | 10 |
| ADVANCED MICRO DEVICES INC | [AMD](https://holderbook.com/stocks/AMD/) | $1.1M | 1,913 | 0.2% | 3 |
| VANGUARD MALVERN FDS | [VPLS](https://holderbook.com/stocks/VPLS/) | $1.1M | 14,296 | 0.2% | 1 |
| META PLATFORMS INC | [META](https://holderbook.com/stocks/META/) | $1.1M | 1,936 | 0.2% | 31 |
| INTERDIGITAL INC | [IDCC](https://holderbook.com/stocks/IDCC/) | $1.1M | 3,784 | 0.2% | 3 |
| UNIVEST FINANCIAL CORPORATIO | [UVSP](https://holderbook.com/stocks/UVSP/) | $1.1M | 24,271 | 0.2% | 10 |
| WISDOMTREE TR | [USFR](https://holderbook.com/stocks/USFR/) | $1.1M | 20,856 | 0.2% | 15 |
| FIRST TR EXCH TRADED FD III | [FMB](https://holderbook.com/stocks/FMB/) | $1.0M | 20,350 | 0.2% | 27 |
| ISHARES TR | [MTUM](https://holderbook.com/stocks/MTUM/) | $1.0M | 2,959 | 0.2% | 31 |
| SCHWAB STRATEGIC TR | [SCHV](https://holderbook.com/stocks/SCHV/) | $1.0M | 28,870 | 0.2% | 31 |
| TAIWAN SEMICONDUCTOR MANUFAC | [TSM](https://holderbook.com/stocks/TSM/) | $877.3K | 1,837 | 0.1% | 10 |
| SCHWAB STRATEGIC TR | [SCHD](https://holderbook.com/stocks/SCHD/) | $875.6K | 27,613 | 0.1% | 10 |
| BERKSHIRE HATHAWAY INC DEL | [BRKB](https://holderbook.com/stocks/BRKB/) | $869.2K | 1,737 | 0.1% | 31 |
| JPMORGAN CHASE & CO | [JPM](https://holderbook.com/stocks/JPM/) | $864.1K | 2,640 | 0.1% | 19 |
| VANGUARD MUN BD FDS | [VCRM](https://holderbook.com/stocks/VCRM/) | $855.8K | 11,202 | 0.1% | 4 |
| SCHWAB STRATEGIC TR | [SCHX](https://holderbook.com/stocks/SCHX/) | $844.4K | 28,693 | 0.1% | 5 |
| WALMART INC | [WMT](https://holderbook.com/stocks/WMT/) | $843.9K | 7,451 | 0.1% | 19 |
| EXXON MOBIL CORP | [XOMXXXX](https://holderbook.com/stocks/XOMXXXX/) | $843.3K | 6,168 | 0.1% | 31 |
| VANGUARD INDEX FDS | [VOT](https://holderbook.com/stocks/VOT/) | $833.1K | 2,720 | 0.1% | 31 |
| VANGUARD INDEX FDS | [VUG](https://holderbook.com/stocks/VUG/) | $772.5K | 8,968 | 0.1% | 13 |
| ISHARES TR | [AGG](https://holderbook.com/stocks/AGG/) | $744.4K | 7,521 | 0.1% | 31 |
| VANGUARD INDEX FDS | [VV](https://holderbook.com/stocks/VV/) | $742.8K | 2,160 | 0.1% | 31 |
| MICRON TECHNOLOGY INC | [MU](https://holderbook.com/stocks/MU/) | $738.7K | 640 | 0.1% | 1 |
| CHEVRON CORPORATION | [CVX](https://holderbook.com/stocks/CVX/) | $721.4K | 4,352 | 0.1% | 31 |
| PHILIP MORRIS INTL INC | [PM](https://holderbook.com/stocks/PM/) | $690.4K | 3,816 | 0.1% | 31 |
| INVESCO EXCH TRADED FD TR II | [PZA](https://holderbook.com/stocks/PZA/) | $655.3K | 27,862 | 0.1% | 10 |
| SPDR SERIES TRUST | [SPYM](https://holderbook.com/stocks/SPYM/) | $579.8K | 6,598 | 0.1% | 10 |
| ELI LILLY & CO | [LLY](https://holderbook.com/stocks/LLY/) | $573.8K | 478 | 0.1% | 6 |
| FIRST TR EXCHANGE-TRADED FD | [FVD](https://holderbook.com/stocks/FVD/) | $537.1K | 11,147 | 0.1% | 26 |
| ISHARES TR | [IJH](https://holderbook.com/stocks/IJH/) | $489.8K | 6,352 | 0.1% | 31 |
| STATE STR SPDR DOW JONES IND | [DIA](https://holderbook.com/stocks/DIA/) | $488.2K | 934 | 0.1% | 4 |
| MCDONALDS CORP | [MCD](https://holderbook.com/stocks/MCD/) | $485.7K | 1,797 | 0.1% | 31 |
| CORNING INC | [GLW](https://holderbook.com/stocks/GLW/) | $476.9K | 1,867 | 0.1% | 2 |
| PROGRESSIVE CORP | [PGR](https://holderbook.com/stocks/PGR/) | $459.9K | 2,105 | 0.1% | 18 |
| ABBVIE INC | [ABBV](https://holderbook.com/stocks/ABBV/) | $439.5K | 1,746 | 0.1% | 18 |
| NETFLIX INC | [NFLX](https://holderbook.com/stocks/NFLX/) | $416.4K | 5,832 | 0.1% | 8 |
| ESSENTIAL UTILS INC | [WTRG](https://holderbook.com/stocks/WTRG/) | $413.6K | 10,796 | 0.1% | 26 |
| BLACKSTONE INC | [BX](https://holderbook.com/stocks/BX/) | $407.9K | 3,466 | 0.1% | 19 |
| SPDR SERIES TRUST | [HYMB](https://holderbook.com/stocks/HYMB/) | $407.2K | 16,005 | 0.1% | 9 |
| VISA INC | [V](https://holderbook.com/stocks/V/) | $405.5K | 1,182 | 0.1% | 6 |
| INTERNATIONAL BUSINESS MACHS | [IBM](https://holderbook.com/stocks/IBM/) | $399.7K | 1,421 | 0.1% | 10 |
| WELLS FARGO & CO | [WFC](https://holderbook.com/stocks/WFC/) | $388.9K | 4,706 | 0.1% | 10 |
| ISHARES TR | [IWR](https://holderbook.com/stocks/IWR/) | $388.2K | 3,519 | 0.1% | 31 |
| RTX CORPORATION | [RTX](https://holderbook.com/stocks/RTX/) | $382.8K | 2,017 | 0.1% | 6 |
| ISHARES TR | [SUB](https://holderbook.com/stocks/SUB/) | $379.0K | 3,560 | 0.1% | 31 |
| UNITEDHEALTH GROUP INC | [UNH](https://holderbook.com/stocks/UNH/) | $377.1K | 907 | 0.1% | 1 |
| MARVELL TECHNOLOGY INC | [MRVL](https://holderbook.com/stocks/MRVL/) | $375.0K | 1,259 | 0.1% | 1 |
| SPDR GOLD TR | [GLD](https://holderbook.com/stocks/GLD/) | $366.9K | 996 | 0.1% | 11 |
| VANGUARD SPECIALIZED FUNDS | [VIG](https://holderbook.com/stocks/VIG/) | $362.7K | 1,533 | 0.1% | 11 |
| SPDR SERIES TRUST | [SDY](https://holderbook.com/stocks/SDY/) | $358.8K | 2,358 | 0.1% | 14 |

## What the disclosed book did

Not the fund's return. This is the change in value of the positions disclosed on Form 13F, had they been left untouched, against SPY over the same quarter ends.

| Quarter | Book | Market | Difference | Priced |
|---|---|---|---|---|
| Q2 2026 | +10.3% | +14.8% | -4.5% | 100% |
| Q1 2026 | -3.0% | -4.6% | +1.6% | 100% |
| Q4 2025 | +1.6% | +2.4% | -0.8% | 100% |
| Q3 2025 | +6.1% | +7.8% | -1.7% | 100% |
| Q2 2025 | +7.1% | +10.5% | -3.3% | 100% |
| Q1 2025 | -3.0% | -4.6% | +1.5% | 101% |
| Q4 2024 | +0.9% | +2.1% | -1.3% | 100% |
| Q3 2024 | +4.9% | +5.4% | -0.5% | 100% |

## Quarter by quarter

| Quarter | Value | Positions |
|---|---|---|
| Q2 2026 | $585.4M | 139 |
| Q1 2026 | $510.8M | 129 |
| Q4 2025 | $524.8M | 127 |
| Q3 2025 | $510.1M | 127 |
| Q2 2025 | $460.6M | 119 |
| Q1 2025 | $417.9M | 113 |
| Q4 2024 | $418.0M | 109 |
| Q3 2024 | $412.4M | 114 |
| Q2 2024 | $371.7M | 104 |
| Q1 2024 | $359.6M | 106 |
| Q4 2023 | $317.1M | 89 |
| Q3 2023 | $253.0M | 86 |