# Clear Perspectives Financial Planning, LLC

> Institutional holdings reported to the SEC as of Q1 2023 on Form 13F. CIK 1841174. Source: https://holderbook.com/funds/1841174-clear-perspectives-financial-planning-llc/

- Reported value: $178.4M
- Positions: 196
- Weight of the ten largest: 67.9%
- Filed: 2023-05-11

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 |
|---|---|---|---|---|---|
| PROCTER & GAMBLE CO | [PG](https://holderbook.com/stocks/PG/) | $17.8M | 119,795 | 10.0% | 10 |
| VANGUARD WHITEHALL FDS | [VYM](https://holderbook.com/stocks/VYM/) | $17.6M | 167,160 | 9.9% | 10 |
| INVESCO EXCHANGE TRADED FD T | [RSP](https://holderbook.com/stocks/RSP/) | $14.6M | 101,050 | 8.2% | 10 |
| VANGUARD INDEX FDS | [VTV](https://holderbook.com/stocks/VTV/) | $14.4M | 104,162 | 8.1% | 9 |
| VANGUARD INDEX FDS | [VOO](https://holderbook.com/stocks/VOO/) | $11.2M | 29,738 | 6.3% | 10 |
| ISHARES TR | [SGOV](https://holderbook.com/stocks/SGOV/) | $10.5M | 104,680 | 5.9% | 4 |
| VANGUARD SPECIALIZED FUNDS | [VIG](https://holderbook.com/stocks/VIG/) | $10.5M | 68,074 | 5.9% | 10 |
| VANGUARD ADMIRAL FDS INC | [VOOV](https://holderbook.com/stocks/VOOV/) | $9.4M | 63,978 | 5.3% | 2 |
| VANGUARD STAR FDS | [VXUS](https://holderbook.com/stocks/VXUS/) | $7.6M | 138,081 | 4.3% | 1 |
| VANGUARD TAX-MANAGED FDS | [VEA](https://holderbook.com/stocks/VEA/) | $7.5M | 165,572 | 4.2% | 2 |
| SPDR SERIES TRUST | [SDY](https://holderbook.com/stocks/SDY/) | $7.3M | 59,084 | 4.1% | 10 |
| ISHARES TR | [DVY](https://holderbook.com/stocks/DVY/) | $6.5M | 55,540 | 3.6% | 4 |
| VANGUARD WORLD FD | [MGK](https://holderbook.com/stocks/MGK/) | $5.2M | 25,381 | 2.9% | 10 |
| VANGUARD WORLD FD | [MGV](https://holderbook.com/stocks/MGV/) | $4.5M | 44,535 | 2.5% | 5 |
| ISHARES TR | [IOO](https://holderbook.com/stocks/IOO/) | $3.1M | 43,702 | 1.7% | 10 |
| ISHARES TR | [IWB](https://holderbook.com/stocks/IWB/) | $3.0M | 13,376 | 1.7% | 10 |
| STATE STR SPDR S&P 500 ETF T | [SPY](https://holderbook.com/stocks/SPY/) | $2.6M | 6,235 | 1.4% | 10 |
| SPDR SERIES TRUST | [BIL](https://holderbook.com/stocks/BIL/) | $2.5M | 27,633 | 1.4% | 5 |
| ISHARES TR | [IVV](https://holderbook.com/stocks/IVV/) | $2.4M | 5,779 | 1.3% | 10 |
| VANGUARD INDEX FDS | [VTI](https://holderbook.com/stocks/VTI/) | $2.0M | 10,017 | 1.1% | 10 |
| VANGUARD INDEX FDS | [VV](https://holderbook.com/stocks/VV/) | $1.7M | 9,072 | 1.0% | 10 |
| INVESCO EXCH TRADED FD TR II | [SPLV](https://holderbook.com/stocks/SPLV/) | $1.7M | 26,675 | 0.9% | 10 |
| INVESCO QQQ TR | [QQQ](https://holderbook.com/stocks/QQQ/) | $1.6M | 5,077 | 0.9% | 10 |
| ISHARES TR | [OEF](https://holderbook.com/stocks/OEF/) | $1.1M | 5,712 | 0.6% | 10 |
| VANGUARD INDEX FDS | [VUG](https://holderbook.com/stocks/VUG/) | $1.1M | 4,237 | 0.6% | 10 |
| ISHARES TR | [IWF](https://holderbook.com/stocks/IWF/) | $1.0M | 4,184 | 0.6% | 10 |
| ISHARES TR | [USMV](https://holderbook.com/stocks/USMV/) | $668.8K | 9,195 | 0.4% | 10 |
| ISHARES TR | [DSI](https://holderbook.com/stocks/DSI/) | $594.8K | 7,626 | 0.3% | 10 |
| ISHARES TR | [HDV](https://holderbook.com/stocks/HDV/) | $544.1K | 5,352 | 0.3% | 4 |
| DIMENSIONAL ETF TRUST | [DFUV](https://holderbook.com/stocks/DFUV/) | $527.4K | 15,754 | 0.3% | 4 |
| ISHARES TR | [SUSA](https://holderbook.com/stocks/SUSA/) | $436.9K | 4,978 | 0.2% | 10 |
| ISHARES TR | [IWV](https://holderbook.com/stocks/IWV/) | $330.4K | 1,403 | 0.2% | 10 |
| VANGUARD INDEX FDS | [VOT](https://holderbook.com/stocks/VOT/) | $276.7K | 1,420 | 0.2% | 10 |
| RTX CORPORATION | [RTX](https://holderbook.com/stocks/RTX/) | $243.2K | 2,483 | 0.1% | 10 |
| VANGUARD INDEX FDS | [VB](https://holderbook.com/stocks/VB/) | $242.7K | 1,280 | 0.1% | 10 |
| CENTENE CORP DEL | [CNC](https://holderbook.com/stocks/CNC/) | $241.3K | 3,818 | 0.1% | 10 |
| VANGUARD WORLD FD | [VHT](https://holderbook.com/stocks/VHT/) | $235.5K | 987 | 0.1% | 10 |
| AMERICAN CENTY ETF TR | [AVDE](https://holderbook.com/stocks/AVDE/) | $216.7K | 3,800 | 0.1% | 1 |
| ISHARES TR | [ACWI](https://holderbook.com/stocks/ACWI/) | $208.6K | 2,288 | 0.1% | 10 |
| VANGUARD INTL EQUITY INDEX F | [VT](https://holderbook.com/stocks/VT/) | $208.4K | 2,263 | 0.1% | 10 |
| VANGUARD INDEX FDS | [VXF](https://holderbook.com/stocks/VXF/) | $195.0K | 1,391 | 0.1% | 10 |
| MICROSOFT CORP | [MSFT](https://holderbook.com/stocks/MSFT/) | $177.0K | 614 | 0.1% | 10 |
| BRISTOL-MYERS SQUIBB CO | [BMY](https://holderbook.com/stocks/BMY/) | $176.5K | 2,546 | 0.1% | 3 |
| ISHARES TR | [IWD](https://holderbook.com/stocks/IWD/) | $171.8K | 1,128 | 0.1% | 10 |
| REPLIGEN CORP | [RGEN](https://holderbook.com/stocks/RGEN/) | $164.2K | 975 | 0.1% | 10 |
| APPLE INC | [AAPL](https://holderbook.com/stocks/AAPL/) | $138.0K | 837 | 0.1% | 10 |
| VISA INC | [V](https://holderbook.com/stocks/V/) | $137.5K | 610 | 0.1% | 10 |
| PEPSICO INC | [PEP](https://holderbook.com/stocks/PEP/) | $134.5K | 738 | 0.1% | 10 |
| VANGUARD INDEX FDS | [VO](https://holderbook.com/stocks/VO/) | $133.1K | 631 | 0.1% | 10 |
| JOHNSON & JOHNSON | [JNJ](https://holderbook.com/stocks/JNJ/) | $131.8K | 850 | 0.1% | 10 |
| SELECT SECTOR SPDR TR | [XLE](https://holderbook.com/stocks/XLE/) | $117.6K | 1,420 | 0.1% | 4 |
| CARRIER GLOBAL CORPORATION | [CARR](https://holderbook.com/stocks/CARR/) | $111.7K | 2,442 | 0.1% | 10 |
| OTIS WORLDWIDE CORP | [OTIS](https://holderbook.com/stocks/OTIS/) | $103.9K | 1,231 | 0.1% | 10 |
| VANGUARD WORLD FD | [VPU](https://holderbook.com/stocks/VPU/) | $88.5K | 600 | 0.0% | 10 |
| MERCK & CO INC | [MRK](https://holderbook.com/stocks/MRK/) | $86.5K | 813 | 0.0% | 10 |
| GLOBAL X FDS | [PAVE](https://holderbook.com/stocks/PAVE/) | $82.9K | 2,925 | 0.0% | 10 |
| VANGUARD INDEX FDS | [VOE](https://holderbook.com/stocks/VOE/) | $75.1K | 560 | 0.0% | 10 |
| CHEVRON CORPORATION | [CVX](https://holderbook.com/stocks/CVX/) | $74.6K | 457 | 0.0% | 8 |
| CINCINNATI FINL CORP | [CINF](https://holderbook.com/stocks/CINF/) | $73.4K | 655 | 0.0% | 10 |
| SELECT SECTOR SPDR TR | [XLI](https://holderbook.com/stocks/XLI/) | $72.3K | 715 | 0.0% | 10 |
| AMAZON COM INC | [AMZN](https://holderbook.com/stocks/AMZN/) | $72.3K | 700 | 0.0% | 10 |
| ISHARES TR | [AOA](https://holderbook.com/stocks/AOA/) | $68.2K | 1,073 | 0.0% | 10 |
| ALPHABET INC | [GOOGL](https://holderbook.com/stocks/GOOGL/) | $62.2K | 600 | 0.0% | 10 |
| BERKSHIRE HATHAWAY INC DEL | [BRKB](https://holderbook.com/stocks/BRKB/) | $61.8K | 200 | 0.0% | 3 |
| SPDR SERIES TRUST | [SPYG](https://holderbook.com/stocks/SPYG/) | $60.9K | 1,100 | 0.0% | 10 |
| SCHWAB STRATEGIC TR | [SCHV](https://holderbook.com/stocks/SCHV/) | $59.0K | 900 | 0.0% | 5 |
| SCHWAB STRATEGIC TR | [SCHG](https://holderbook.com/stocks/SCHG/) | $58.7K | 900 | 0.0% | 10 |
| PUBLIC SVC ENTERPRISE GROUP | [PEG](https://holderbook.com/stocks/PEG/) | $55.4K | 887 | 0.0% | 3 |
| MASTERCARD INCORPORATED | [MA](https://holderbook.com/stocks/MA/) | $54.5K | 150 | 0.0% | 10 |
| YUM BRANDS INC | [YUM](https://holderbook.com/stocks/YUM/) | $52.0K | 394 | 0.0% | 10 |
| ALPHABET INC | [GOOG](https://holderbook.com/stocks/GOOG/) | $52.0K | 500 | 0.0% | 10 |
| INTEL CORP | [INTC](https://holderbook.com/stocks/INTC/) | $51.2K | 1,568 | 0.0% | 10 |
| ISHARES TR | [IVE](https://holderbook.com/stocks/IVE/) | $51.0K | 336 | 0.0% | 10 |
| KROGER CO | [KR](https://holderbook.com/stocks/KR/) | $47.9K | 970 | 0.0% | 10 |
| BOOKING HOLDINGS INC | [BKNG](https://holderbook.com/stocks/BKNG/) | $45.1K | 17 | 0.0% | 10 |
| STARBUCKS CORP | [SBUX](https://holderbook.com/stocks/SBUX/) | $43.1K | 414 | 0.0% | 10 |
| SELECT SECTOR SPDR TR | [XLV](https://holderbook.com/stocks/XLV/) | $42.1K | 325 | 0.0% | 10 |
| FIFTH THIRD BANCORP | [FITB](https://holderbook.com/stocks/FITB/) | $42.0K | 1,577 | 0.0% | 10 |
| SMUCKER J M CO | [SJM](https://holderbook.com/stocks/SJM/) | $41.7K | 265 | 0.0% | 10 |
| ISHARES TR | [IXC](https://holderbook.com/stocks/IXC/) | $41.5K | 1,100 | 0.0% | 4 |
| AMGEN INC | [AMGN](https://holderbook.com/stocks/AMGN/) | $40.6K | 168 | 0.0% | 10 |
| Koninklijke Ahold Delhaize N.V. | - | $37.3K | 1,096 | 0.0% | 10 |
| CONOCOPHILLIPS | [COP](https://holderbook.com/stocks/COP/) | $37.1K | 374 | 0.0% | 3 |
| FIDELITY COVINGTON TRUST | [FHLC](https://holderbook.com/stocks/FHLC/) | $36.9K | 600 | 0.0% | 3 |
| ISHARES TR | [IJR](https://holderbook.com/stocks/IJR/) | $35.2K | 364 | 0.0% | 10 |
| DARDEN RESTAURANTS INC | [DRI](https://holderbook.com/stocks/DRI/) | $34.1K | 220 | 0.0% | 3 |
| SPDR SERIES TRUST | [SPYM](https://holderbook.com/stocks/SPYM/) | $32.5K | 675 | 0.0% | 10 |
| VANGUARD INTL EQUITY INDEX F | [VWO](https://holderbook.com/stocks/VWO/) | $32.3K | 800 | 0.0% | 2 |
| SCHWAB STRATEGIC TR | [SCHF](https://holderbook.com/stocks/SCHF/) | $32.0K | 920 | 0.0% | 2 |
| LIBERTY BROADBAND CORP | [LBRDK](https://holderbook.com/stocks/LBRDK/) | $31.5K | 385 | 0.0% | 10 |
| INVESCO EXCHANGE TRADED FD T | [PEY](https://holderbook.com/stocks/PEY/) | $31.3K | 1,570 | 0.0% | 3 |
| DUKE ENERGY CORP NEW | [DUK](https://holderbook.com/stocks/DUK/) | $30.5K | 316 | 0.0% | 10 |
| MONSTER BEVERAGE CORP NEW | [MNST](https://holderbook.com/stocks/MNST/) | $29.2K | 540 | 0.0% | 10 |
| MCDONALDS CORP | [MCD](https://holderbook.com/stocks/MCD/) | $28.5K | 102 | 0.0% | 10 |
| SPDR GOLD TR | [GLD](https://holderbook.com/stocks/GLD/) | $28.4K | 155 | 0.0% | 6 |
| HUMANA INC | [HUM](https://holderbook.com/stocks/HUM/) | $27.7K | 57 | 0.0% | 10 |
| ELI LILLY & CO | [LLY](https://holderbook.com/stocks/LLY/) | $27.5K | 80 | 0.0% | 10 |
| EXXON MOBIL CORP | [XOMXXXX](https://holderbook.com/stocks/XOMXXXX/) | $25.9K | 236 | 0.0% | 10 |
| SCHWAB STRATEGIC TR | [SCHA](https://holderbook.com/stocks/SCHA/) | $25.2K | 600 | 0.0% | 10 |
| COSTCO WHOLESALE CORPORATION | [COST](https://holderbook.com/stocks/COST/) | $24.8K | 50 | 0.0% | 10 |

## 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 |
|---|---|---|---|---|
| Q1 2023 | -0.1% | +7.0% | -7.2% | 100% |
| Q4 2022 | +7.6% | +7.1% | +0.5% | 100% |
| Q3 2022 | -4.8% | -5.3% | +0.5% | 100% |
| Q2 2022 | -8.5% | -16.5% | +7.9% | 100% |
| Q1 2022 | -3.6% | -4.9% | +1.3% | 100% |
| Q4 2021 | +5.2% | +10.7% | -5.5% | 100% |
| Q3 2021 | +0.0% | +0.3% | -0.2% | 100% |
| Q2 2021 | +4.7% | +8.0% | -3.3% | 100% |

## Quarter by quarter

| Quarter | Value | Positions |
|---|---|---|
| Q1 2023 | $178.4M | 196 |
| Q4 2022 | $188.2M | 236 |
| Q3 2022 | $203.9M | 208 |
| Q2 2022 | $256.5M | 210 |
| Q1 2022 | $263.8M | 212 |
| Q4 2021 | $247.3M | 222 |
| Q3 2021 | $220.7M | 210 |
| Q2 2021 | $207.1M | 198 |
| Q1 2021 | $172.6M | 180 |
| Q4 2020 | $157.8M | 178 |