# Novak Financial Planning, LLC

> Institutional holdings reported to the SEC as of Q2 2021 on Form 13F. CIK 1843462. Source: https://holderbook.com/funds/1843462-novak-financial-planning-llc/

- Reported value: $204.3M
- Positions: 121
- Weight of the ten largest: 35.1%
- Filed: 2021-07-21

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 |
|---|---|---|---|---|---|
| VANGUARD INDEX FDS | [VTI](https://holderbook.com/stocks/VTI/) | $10.3M | 46,180 | 5.0% | 3 |
| INVESCO QQQ TR | [QQQ](https://holderbook.com/stocks/QQQ/) | $8.7M | 24,587 | 4.3% | 3 |
| SPDR GOLD TR | [GLD](https://holderbook.com/stocks/GLD/) | $8.2M | 49,537 | 4.0% | 3 |
| ISHARES TR | [ICSH](https://holderbook.com/stocks/ICSH/) | $7.8M | 153,411 | 3.8% | 3 |
| VANGUARD BD INDEX FDS | [BIV](https://holderbook.com/stocks/BIV/) | $7.7M | 85,965 | 3.8% | 3 |
| VANGUARD BD INDEX FDS | [BSV](https://holderbook.com/stocks/BSV/) | $7.3M | 88,558 | 3.6% | 3 |
| VANGUARD SPECIALIZED FUNDS | [VIG](https://holderbook.com/stocks/VIG/) | $6.9M | 44,342 | 3.4% | 3 |
| VANGUARD INTL EQUITY INDEX F | [VWO](https://holderbook.com/stocks/VWO/) | $5.7M | 105,184 | 2.8% | 3 |
| SPDR SERIES TRUST | [SDY](https://holderbook.com/stocks/SDY/) | $4.8M | 39,300 | 2.4% | 3 |
| VANGUARD INDEX FDS | [VUG](https://holderbook.com/stocks/VUG/) | $4.4M | 15,299 | 2.1% | 3 |
| ISHARES GOLD TR | [IAU](https://holderbook.com/stocks/IAU/) | $4.1M | 122,599 | 2.0% | 1 |
| ISHARES TR | [IWY](https://holderbook.com/stocks/IWY/) | $3.9M | 25,570 | 1.9% | 3 |
| APPLE INC | [AAPL](https://holderbook.com/stocks/AAPL/) | $3.5M | 25,346 | 1.7% | 3 |
| INVESCO EXCHANGE TRADED FD T | [RSP](https://holderbook.com/stocks/RSP/) | $3.4M | 22,407 | 1.7% | 3 |
| ISHARES TR | [IEFA](https://holderbook.com/stocks/IEFA/) | $3.4M | 44,782 | 1.6% | 3 |
| STATE STR SPDR S&P MIDCAP 40 | [MDY](https://holderbook.com/stocks/MDY/) | $3.3M | 6,774 | 1.6% | 3 |
| SCHWAB STRATEGIC TR | [SCHD](https://holderbook.com/stocks/SCHD/) | $3.2M | 42,713 | 1.6% | 3 |
| ISHARES TR | [EFA](https://holderbook.com/stocks/EFA/) | $3.0M | 38,565 | 1.5% | 3 |
| VANGUARD INDEX FDS | [VB](https://holderbook.com/stocks/VB/) | $3.0M | 13,443 | 1.5% | 3 |
| ISHARES TR | [LQD](https://holderbook.com/stocks/LQD/) | $3.0M | 22,100 | 1.5% | 3 |
| ISHARES TR | [IUSB](https://holderbook.com/stocks/IUSB/) | $2.8M | 53,225 | 1.4% | 3 |
| SELECT SECTOR SPDR TR | [XLRE](https://holderbook.com/stocks/XLRE/) | $2.8M | 63,471 | 1.4% | 3 |
| SELECT SECTOR SPDR TR | [XLF](https://holderbook.com/stocks/XLF/) | $2.5M | 68,727 | 1.2% | 3 |
| PROCTER & GAMBLE CO | [PG](https://holderbook.com/stocks/PG/) | $2.5M | 18,225 | 1.2% | 3 |
| ISHARES TR | [EFAV](https://holderbook.com/stocks/EFAV/) | $2.4M | 31,508 | 1.2% | 3 |
| VANGUARD WORLD FD | [VHT](https://holderbook.com/stocks/VHT/) | $2.4M | 9,509 | 1.2% | 3 |
| SPDR SERIES TRUST | [SPYV](https://holderbook.com/stocks/SPYV/) | $2.3M | 57,597 | 1.1% | 1 |
| VANGUARD INDEX FDS | [VNQ](https://holderbook.com/stocks/VNQ/) | $2.3M | 22,117 | 1.1% | 3 |
| ISHARES TR | [QUAL](https://holderbook.com/stocks/QUAL/) | $2.1M | 15,840 | 1.0% | 3 |
| SPDR SERIES TRUST | [SLYG](https://holderbook.com/stocks/SLYG/) | $2.0M | 22,998 | 1.0% | 3 |
| VANGUARD TAX-MANAGED FDS | [VEA](https://holderbook.com/stocks/VEA/) | $2.0M | 38,440 | 1.0% | 3 |
| SPDR INDEX SHS FDS | [SPDW](https://holderbook.com/stocks/SPDW/) | $1.9M | 52,924 | 1.0% | 2 |
| ISHARES TR | [AGG](https://holderbook.com/stocks/AGG/) | $1.8M | 16,012 | 0.9% | 3 |
| VANGUARD WORLD FD | [MGV](https://holderbook.com/stocks/MGV/) | $1.8M | 17,619 | 0.9% | 3 |
| VANGUARD SCOTTSDALE FDS | [VCIT](https://holderbook.com/stocks/VCIT/) | $1.7M | 18,324 | 0.9% | 3 |
| SCHWAB STRATEGIC TR | [SCHP](https://holderbook.com/stocks/SCHP/) | $1.7M | 27,725 | 0.8% | 3 |
| SPDR SERIES TRUST | [SPYG](https://holderbook.com/stocks/SPYG/) | $1.7M | 26,976 | 0.8% | 2 |
| VANGUARD INDEX FDS | [VOE](https://holderbook.com/stocks/VOE/) | $1.7M | 11,832 | 0.8% | 3 |
| SELECT SECTOR SPDR TR | [XLU](https://holderbook.com/stocks/XLU/) | $1.6M | 25,691 | 0.8% | 3 |
| AMAZON COM INC | [AMZN](https://holderbook.com/stocks/AMZN/) | $1.6M | 466 | 0.8% | 3 |
| J P MORGAN EXCHANGE TRADED F | [JPST](https://holderbook.com/stocks/JPST/) | $1.6M | 31,577 | 0.8% | 3 |
| VANGUARD INDEX FDS | [VXF](https://holderbook.com/stocks/VXF/) | $1.5M | 8,187 | 0.8% | 3 |
| STATE STR SPDR S&P 500 ETF T | [SPY](https://holderbook.com/stocks/SPY/) | $1.5M | 3,600 | 0.8% | 3 |
| BANK OF AMER CORP | [BAC](https://holderbook.com/stocks/BAC/) | $1.5M | 36,388 | 0.7% | 3 |
| VANGUARD INDEX FDS | [VO](https://holderbook.com/stocks/VO/) | $1.5M | 6,317 | 0.7% | 3 |
| UNITEDHEALTH GROUP INC | [UNH](https://holderbook.com/stocks/UNH/) | $1.5M | 3,704 | 0.7% | 3 |
| PNC FINL SVCS GROUP INC | [PNC](https://holderbook.com/stocks/PNC/) | $1.4M | 7,461 | 0.7% | 3 |
| CATERPILLAR INC | [CAT](https://holderbook.com/stocks/CAT/) | $1.4M | 6,479 | 0.7% | 3 |
| DBX ETF TR | [DBEF](https://holderbook.com/stocks/DBEF/) | $1.4M | 37,079 | 0.7% | 3 |
| ISHARES TR | [IJR](https://holderbook.com/stocks/IJR/) | $1.4M | 12,174 | 0.7% | 3 |
| ISHARES TR | [DGRO](https://holderbook.com/stocks/DGRO/) | $1.3M | 26,588 | 0.7% | 3 |
| VANGUARD WORLD FD | [VDE](https://holderbook.com/stocks/VDE/) | $1.3M | 17,191 | 0.6% | 3 |
| VANGUARD BD INDEX FDS | [BND](https://holderbook.com/stocks/BND/) | $1.2M | 14,156 | 0.6% | 1 |
| VANGUARD SCOTTSDALE FDS | [VCSH](https://holderbook.com/stocks/VCSH/) | $1.2M | 14,695 | 0.6% | 3 |
| ISHARES TR | [ITA](https://holderbook.com/stocks/ITA/) | $1.2M | 10,705 | 0.6% | 3 |
| EXXON MOBIL CORP | [XOMXXXX](https://holderbook.com/stocks/XOMXXXX/) | $1.2M | 18,584 | 0.6% | 3 |
| ISHARES TR | [IJH](https://holderbook.com/stocks/IJH/) | $1.2M | 4,363 | 0.6% | 3 |
| ISHARES TR | [DVY](https://holderbook.com/stocks/DVY/) | $1.2M | 9,966 | 0.6% | 3 |
| VANGUARD INDEX FDS | [VOT](https://holderbook.com/stocks/VOT/) | $1.1M | 4,717 | 0.5% | 3 |
| VANGUARD CHARLOTTE FDS | [BNDX](https://holderbook.com/stocks/BNDX/) | $1.1M | 19,344 | 0.5% | 3 |
| ISHARES TR | [IGSB](https://holderbook.com/stocks/IGSB/) | $1.1M | 19,206 | 0.5% | 3 |
| ISHARES TR | [IJS](https://holderbook.com/stocks/IJS/) | $1.0M | 9,931 | 0.5% | 3 |
| UNDER ARMOUR INC | [UAA](https://holderbook.com/stocks/UAA/) | $1.0M | 47,632 | 0.5% | 3 |
| ISHARES TR | [FLOT](https://holderbook.com/stocks/FLOT/) | $978.0K | 19,253 | 0.5% | 3 |
| VERIZON COMMUNICATIONS INC | [VZ](https://holderbook.com/stocks/VZ/) | $976.0K | 17,416 | 0.5% | 3 |
| META PLATFORMS INC | [META](https://holderbook.com/stocks/META/) | $961.0K | 2,764 | 0.5% | 3 |
| BECTON DICKINSON & CO | [BDX](https://holderbook.com/stocks/BDX/) | $888.0K | 3,653 | 0.4% | 3 |
| ISHARES INC | [EEMV](https://holderbook.com/stocks/EEMV/) | $862.0K | 13,437 | 0.4% | 3 |
| VANGUARD MALVERN FDS | [VTIP](https://holderbook.com/stocks/VTIP/) | $803.0K | 15,314 | 0.4% | 3 |
| ISHARES TR | [IWF](https://holderbook.com/stocks/IWF/) | $785.0K | 2,893 | 0.4% | 3 |
| DISNEY WALT CO | [DIS](https://holderbook.com/stocks/DIS/) | $734.0K | 4,176 | 0.4% | 3 |
| SELECT SECTOR SPDR TR | [XLP](https://holderbook.com/stocks/XLP/) | $734.0K | 10,489 | 0.4% | 3 |
| INVESCO EXCHANGE TRADED FD T | [XLG](https://holderbook.com/stocks/XLG/) | $724.0K | 2,225 | 0.4% | 3 |
| INVESCO EXCHANGE TRADED FD T | [RSPM](https://holderbook.com/stocks/RSPM/) | $715.0K | 4,348 | 0.3% | 3 |
| VANGUARD INTL EQUITY INDEX F | [VEU](https://holderbook.com/stocks/VEU/) | $696.0K | 10,981 | 0.3% | 3 |
| ISHARES TR | [TIP](https://holderbook.com/stocks/TIP/) | $693.0K | 5,414 | 0.3% | 3 |
| ISHARES TR | [IJT](https://holderbook.com/stocks/IJT/) | $665.0K | 5,016 | 0.3% | 3 |
| SCHWAB STRATEGIC TR | [SCHR](https://holderbook.com/stocks/SCHR/) | $646.0K | 11,368 | 0.3% | 3 |
| INVESCO EXCH TRADED FD TR II | [SPLV](https://holderbook.com/stocks/SPLV/) | $640.0K | 10,503 | 0.3% | 3 |
| PIMCO ETF TR | [MINT](https://holderbook.com/stocks/MINT/) | $602.0K | 5,900 | 0.3% | 3 |
| ISHARES TR | [IWP](https://holderbook.com/stocks/IWP/) | $563.0K | 4,969 | 0.3% | 3 |
| SSGA ACTIVE ETF TR | [SRLN](https://holderbook.com/stocks/SRLN/) | $557.0K | 12,033 | 0.3% | 3 |
| BOEING CO | [BA](https://holderbook.com/stocks/BA/) | $549.0K | 2,293 | 0.3% | 3 |
| ISHARES TR | [USMV](https://holderbook.com/stocks/USMV/) | $540.0K | 7,335 | 0.3% | 3 |
| PFIZER INC | [PFE](https://holderbook.com/stocks/PFE/) | $507.0K | 12,939 | 0.2% | 3 |
| JPMORGAN CHASE & CO | [JPM](https://holderbook.com/stocks/JPM/) | $500.0K | 3,216 | 0.2% | 3 |
| VANGUARD INDEX FDS | [VBK](https://holderbook.com/stocks/VBK/) | $500.0K | 1,725 | 0.2% | 3 |
| NEXTERA ENERGY INC | [NEE](https://holderbook.com/stocks/NEE/) | $493.0K | 6,727 | 0.2% | 3 |
| SPDR SERIES TRUST | [SJNK](https://holderbook.com/stocks/SJNK/) | $492.0K | 17,841 | 0.2% | 3 |
| VANGUARD INDEX FDS | [VBR](https://holderbook.com/stocks/VBR/) | $479.0K | 2,759 | 0.2% | 2 |
| INVESCO EXCHANGE TRADED FD T | [PJP](https://holderbook.com/stocks/PJP/) | $470.0K | 5,837 | 0.2% | 3 |
| PRICE T ROWE GROUP INC | [TROW](https://holderbook.com/stocks/TROW/) | $435.0K | 2,198 | 0.2% | 3 |
| INVESCO EXCHANGE TRADED FD T | [RSPS](https://holderbook.com/stocks/RSPS/) | $407.0K | 2,525 | 0.2% | 3 |
| SPDR INDEX SHS FDS | [SPEM](https://holderbook.com/stocks/SPEM/) | $405.0K | 8,909 | 0.2% | 1 |
| INVESCO EXCH TRADED FD TR II | [XSLV](https://holderbook.com/stocks/XSLV/) | $399.0K | 8,501 | 0.2% | 3 |
| SELECT SECTOR SPDR TR | [XLE](https://holderbook.com/stocks/XLE/) | $368.0K | 6,827 | 0.2% | 3 |
| VANGUARD INDEX FDS | [VOO](https://holderbook.com/stocks/VOO/) | $346.0K | 880 | 0.2% | 3 |
| ISHARES TR | [IJJ](https://holderbook.com/stocks/IJJ/) | $344.0K | 3,263 | 0.2% | 3 |
| VANGUARD WORLD FD | [VCR](https://holderbook.com/stocks/VCR/) | $343.0K | 1,092 | 0.2% | 3 |
| VANGUARD WORLD FD | [VDC](https://holderbook.com/stocks/VDC/) | $326.0K | 1,784 | 0.2% | 3 |

## 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 2021 | +4.7% | +8.0% | -3.3% | 100% |
| Q1 2021 | +3.6% | +6.0% | -2.4% | 100% |

## Quarter by quarter

| Quarter | Value | Positions |
|---|---|---|
| Q2 2021 | $204.3M | 121 |
| Q1 2021 | $182.1M | 114 |
| Q4 2020 | $169.9M | 112 |