# Sterling Financial Planning, Inc.

> Institutional holdings reported to the SEC as of Q2 2026 on Form 13F. CIK 1844278. Source: https://holderbook.com/funds/1844278-sterling-financial-planning-inc/

- Reported value: $367.7M
- Positions: 123
- Weight of the ten largest: 46.9%
- Filed: 2026-08-11

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 |
|---|---|---|---|---|---|
| ISHARES TR | [IJJ](https://holderbook.com/stocks/IJJ/) | $23.1M | 156,530 | 6.3% | 23 |
| ISHARES TR | [IJT](https://holderbook.com/stocks/IJT/) | $22.9M | 128,012 | 6.2% | 23 |
| ISHARES TR | [IJK](https://holderbook.com/stocks/IJK/) | $21.5M | 182,653 | 5.8% | 23 |
| ISHARES TR | [IVW](https://holderbook.com/stocks/IVW/) | $20.4M | 148,229 | 5.5% | 23 |
| ISHARES GOLD TR | [IAU](https://holderbook.com/stocks/IAU/) | $17.6M | 233,678 | 4.8% | 21 |
| DIMENSIONAL ETF TRUST | [DFIV](https://holderbook.com/stocks/DFIV/) | $16.8M | 310,296 | 4.6% | 17 |
| VANGUARD WHITEHALL FDS | [VYM](https://holderbook.com/stocks/VYM/) | $13.1M | 83,032 | 3.6% | 23 |
| SCHWAB STRATEGIC TR | [FNDX](https://holderbook.com/stocks/FNDX/) | $13.0M | 418,339 | 3.5% | 23 |
| DIMENSIONAL ETF TRUST | [DISV](https://holderbook.com/stocks/DISV/) | $12.2M | 302,926 | 3.3% | 17 |
| VANGUARD BD INDEX FDS | [BIV](https://holderbook.com/stocks/BIV/) | $11.8M | 153,913 | 3.2% | 23 |
| DIMENSIONAL ETF TRUST | [DFSV](https://holderbook.com/stocks/DFSV/) | $11.3M | 292,001 | 3.1% | 17 |
| ISHARES TR | [IJS](https://holderbook.com/stocks/IJS/) | $10.0M | 73,343 | 2.7% | 23 |
| INNOVATOR ETFS TRUST | [XBJA](https://holderbook.com/stocks/XBJA/) | $9.8M | 288,650 | 2.7% | 18 |
| ISHARES TR | [IVV](https://holderbook.com/stocks/IVV/) | $9.2M | 12,282 | 2.5% | 23 |
| DIMENSIONAL ETF TRUST | [DFIP](https://holderbook.com/stocks/DFIP/) | $7.4M | 179,710 | 2.0% | 17 |
| DIMENSIONAL ETF TRUST | [DFEV](https://holderbook.com/stocks/DFEV/) | $7.4M | 173,234 | 2.0% | 16 |
| DIMENSIONAL ETF TRUST | [DFGR](https://holderbook.com/stocks/DFGR/) | $7.2M | 247,263 | 1.9% | 14 |
| ISHARES TR | [IJH](https://holderbook.com/stocks/IJH/) | $5.1M | 66,771 | 1.4% | 23 |
| INVESCO QQQ TR | [QQQ](https://holderbook.com/stocks/QQQ/) | $5.0M | 6,768 | 1.4% | 23 |
| ISHARES TR | [EFG](https://holderbook.com/stocks/EFG/) | $5.0M | 39,975 | 1.4% | 23 |
| ISHARES TR | [IVE](https://holderbook.com/stocks/IVE/) | $4.9M | 21,679 | 1.3% | 23 |
| VANGUARD SCOTTSDALE FDS | [VCSH](https://holderbook.com/stocks/VCSH/) | $4.9M | 61,984 | 1.3% | 22 |
| VANGUARD BD INDEX FDS | [BSV](https://holderbook.com/stocks/BSV/) | $4.8M | 61,799 | 1.3% | 23 |
| APPLE INC | [AAPL](https://holderbook.com/stocks/AAPL/) | $4.7M | 16,124 | 1.3% | 23 |
| ISHARES TR | [GOVT](https://holderbook.com/stocks/GOVT/) | $4.5M | 198,231 | 1.2% | 22 |
| VANGUARD INDEX FDS | [VOE](https://holderbook.com/stocks/VOE/) | $4.3M | 21,586 | 1.2% | 23 |
| VANGUARD MUN BD FDS | [VTEB](https://holderbook.com/stocks/VTEB/) | $4.0M | 78,977 | 1.1% | 12 |
| SPDR GOLD TR | [GLD](https://holderbook.com/stocks/GLD/) | $3.8M | 10,288 | 1.0% | 23 |
| VANGUARD INDEX FDS | [VOT](https://holderbook.com/stocks/VOT/) | $3.5M | 11,514 | 1.0% | 23 |
| VANGUARD WELLINGTON FD | [VTES](https://holderbook.com/stocks/VTES/) | $3.5M | 34,648 | 1.0% | 13 |
| VANGUARD INDEX FDS | [VBK](https://holderbook.com/stocks/VBK/) | $3.1M | 8,480 | 0.8% | 23 |
| VANGUARD MALVERN FDS | [VTIP](https://holderbook.com/stocks/VTIP/) | $3.1M | 61,111 | 0.8% | 15 |
| VANGUARD INDEX FDS | [VNQ](https://holderbook.com/stocks/VNQ/) | $3.0M | 31,228 | 0.8% | 23 |
| VANGUARD CHARLOTTE FDS | [BNDX](https://holderbook.com/stocks/BNDX/) | $3.0M | 61,896 | 0.8% | 23 |
| ISHARES TR | [IDV](https://holderbook.com/stocks/IDV/) | $3.0M | 71,635 | 0.8% | 23 |
| WISDOMTREE TR | [DGS](https://holderbook.com/stocks/DGS/) | $2.5M | 39,294 | 0.7% | 23 |
| VANGUARD INDEX FDS | [VBR](https://holderbook.com/stocks/VBR/) | $2.5M | 10,385 | 0.7% | 23 |
| JOHNSON & JOHNSON | [JNJ](https://holderbook.com/stocks/JNJ/) | $2.5M | 9,653 | 0.7% | 23 |
| SCHWAB STRATEGIC TR | [FNDC](https://holderbook.com/stocks/FNDC/) | $2.4M | 48,976 | 0.6% | 23 |
| VANGUARD TAX-MANAGED FDS | [VEA](https://holderbook.com/stocks/VEA/) | $2.0M | 28,535 | 0.6% | 23 |
| STATE STR SPDR S&P 500 ETF T | [SPY](https://holderbook.com/stocks/SPY/) | $1.9M | 2,598 | 0.5% | 23 |
| ISHARES TR | [MUB](https://holderbook.com/stocks/MUB/) | $1.8M | 17,094 | 0.5% | 15 |
| ISHARES TR | [IJR](https://holderbook.com/stocks/IJR/) | $1.6M | 10,706 | 0.4% | 23 |
| ISHARES TR | [TIP](https://holderbook.com/stocks/TIP/) | $1.6M | 14,505 | 0.4% | 22 |
| INVESCO EXCHANGE TRADED FD T | [PRF](https://holderbook.com/stocks/PRF/) | $1.6M | 29,316 | 0.4% | 23 |
| EXXON MOBIL CORP | [XOMXXXX](https://holderbook.com/stocks/XOMXXXX/) | $1.6M | 11,444 | 0.4% | 23 |
| ISHARES TR | [SCZ](https://holderbook.com/stocks/SCZ/) | $1.3M | 15,997 | 0.4% | 22 |
| DIMENSIONAL ETF TRUST | [DFAR](https://holderbook.com/stocks/DFAR/) | $1.3M | 49,877 | 0.4% | 15 |
| MICROSOFT CORP | [MSFT](https://holderbook.com/stocks/MSFT/) | $1.2M | 3,276 | 0.3% | 23 |
| DIMENSIONAL ETF TRUST | [DFLV](https://holderbook.com/stocks/DFLV/) | $1.1M | 29,060 | 0.3% | 9 |
| BERKSHIRE HATHAWAY INC DEL | [BRKB](https://holderbook.com/stocks/BRKB/) | $1.1M | 2,151 | 0.3% | 23 |
| SELECTIVE INS GROUP INC | [SIGI](https://holderbook.com/stocks/SIGI/) | $1.1M | 10,862 | 0.3% | 23 |
| RTX CORPORATION | [RTX](https://holderbook.com/stocks/RTX/) | $994.6K | 5,242 | 0.3% | 11 |
| ELI LILLY & CO | [LLY](https://holderbook.com/stocks/LLY/) | $932.3K | 777 | 0.3% | 23 |
| ALPHABET INC | [GOOGL](https://holderbook.com/stocks/GOOGL/) | $924.9K | 2,588 | 0.3% | 23 |
| VANGUARD INDEX FDS | [VUG](https://holderbook.com/stocks/VUG/) | $902.0K | 10,472 | 0.2% | 23 |
| DIMENSIONAL ETF TRUST | [DFUS](https://holderbook.com/stocks/DFUS/) | $848.5K | 10,355 | 0.2% | 10 |
| REALTY INCOME CORP | [O](https://holderbook.com/stocks/O/) | $795.6K | 12,841 | 0.2% | 23 |
| JPMORGAN CHASE & CO | [JPM](https://holderbook.com/stocks/JPM/) | $766.9K | 2,343 | 0.2% | 13 |
| INNOVATOR ETFS TRUST | [PJAN](https://holderbook.com/stocks/PJAN/) | $740.5K | 14,962 | 0.2% | 23 |
| 3M CO | [MMM](https://holderbook.com/stocks/MMM/) | $707.3K | 4,368 | 0.2% | 10 |
| INVESCO EXCHANGE TRADED FD T | [PRFZ](https://holderbook.com/stocks/PRFZ/) | $672.2K | 12,053 | 0.2% | 23 |
| INVESCO EXCHANGE TRADED FD T | [RSP](https://holderbook.com/stocks/RSP/) | $642.1K | 3,018 | 0.2% | 23 |
| CALAMOS ETF TR | [CPSY](https://holderbook.com/stocks/CPSY/) | $641.7K | 24,970 | 0.2% | 6 |
| SPDR SERIES TRUST | [MDYV](https://holderbook.com/stocks/MDYV/) | $627.5K | 6,616 | 0.2% | 23 |
| LAM RESEARCH CORP | [LRCX](https://holderbook.com/stocks/LRCX/) | $621.8K | 1,435 | 0.2% | 3 |
| AMAZON COM INC | [AMZN](https://holderbook.com/stocks/AMZN/) | $610.4K | 2,561 | 0.2% | 23 |
| VANGUARD INDEX FDS | [VO](https://holderbook.com/stocks/VO/) | $603.5K | 7,490 | 0.2% | 23 |
| VANGUARD SPECIALIZED FUNDS | [VIG](https://holderbook.com/stocks/VIG/) | $592.8K | 2,505 | 0.2% | 23 |
| ALPHABET INC | [GOOG](https://holderbook.com/stocks/GOOG/) | $592.2K | 1,676 | 0.2% | 23 |
| META PLATFORMS INC | [META](https://holderbook.com/stocks/META/) | $580.6K | 1,031 | 0.2% | 23 |
| COSTCO WHOLESALE CORPORATION | [COST](https://holderbook.com/stocks/COST/) | $580.4K | 620 | 0.2% | 23 |
| DEERE & CO | [DE](https://holderbook.com/stocks/DE/) | $521.4K | 822 | 0.1% | 23 |
| COHEN & STEERS ETF TRUST | [CSRE](https://holderbook.com/stocks/CSRE/) | $513.5K | 18,093 | 0.1% | 4 |
| SCHWAB STRATEGIC TR | [SCHE](https://holderbook.com/stocks/SCHE/) | $485.2K | 13,381 | 0.1% | 23 |
| PROVIDENT FINL SVCS INC | [PFS](https://holderbook.com/stocks/PFS/) | $476.4K | 20,152 | 0.1% | 9 |
| INTERNATIONAL BUSINESS MACHS | [IBM](https://holderbook.com/stocks/IBM/) | $468.7K | 1,667 | 0.1% | 23 |
| NVIDIA CORPORATION | [NVDA](https://holderbook.com/stocks/NVDA/) | $431.6K | 2,157 | 0.1% | 7 |
| PEPSICO INC | [PEP](https://holderbook.com/stocks/PEP/) | $430.3K | 3,178 | 0.1% | 23 |
| MERCK & CO INC | [MRK](https://holderbook.com/stocks/MRK/) | $417.1K | 3,246 | 0.1% | 11 |
| ISHARES TR | [DVY](https://holderbook.com/stocks/DVY/) | $406.6K | 2,602 | 0.1% | 23 |
| GE AEROSPACE | [GE](https://holderbook.com/stocks/GE/) | $400.7K | 1,072 | 0.1% | 5 |
| GENERAL DYNAMICS CORP | [GD](https://holderbook.com/stocks/GD/) | $399.5K | 1,128 | 0.1% | 23 |
| VANGUARD INTL EQUITY INDEX F | [VWO](https://holderbook.com/stocks/VWO/) | $381.2K | 6,387 | 0.1% | 23 |
| DIMENSIONAL ETF TRUST | [DFIS](https://holderbook.com/stocks/DFIS/) | $377.0K | 10,763 | 0.1% | 15 |
| ISHARES TR | [EMB](https://holderbook.com/stocks/EMB/) | $368.8K | 3,825 | 0.1% | 23 |
| CARRIER GLOBAL CORPORATION | [CARR](https://holderbook.com/stocks/CARR/) | $368.7K | 5,027 | 0.1% | 11 |
| PROCTER & GAMBLE CO | [PG](https://holderbook.com/stocks/PG/) | $362.2K | 2,470 | 0.1% | 23 |
| ABBOTT LABORATORIES | [ABT](https://holderbook.com/stocks/ABT/) | $355.8K | 3,921 | 0.1% | 2 |
| INVESCO EXCH TRADED FD TR II | [IDHQ](https://holderbook.com/stocks/IDHQ/) | $354.4K | 8,109 | 0.1% | 11 |
| ABBVIE INC | [ABBV](https://holderbook.com/stocks/ABBV/) | $349.5K | 1,389 | 0.1% | 23 |
| CATERPILLAR INC | [CAT](https://holderbook.com/stocks/CAT/) | $348.2K | 327 | 0.1% | 3 |
| ISHARES TR | [QUAL](https://holderbook.com/stocks/QUAL/) | $347.4K | 1,583 | 0.1% | 21 |
| INNOVATOR ETFS TRUST | [UAUG](https://holderbook.com/stocks/UAUG/) | $328.6K | 7,809 | 0.1% | 11 |
| VANGUARD INDEX FDS | [VTI](https://holderbook.com/stocks/VTI/) | $324.2K | 876 | 0.1% | 5 |
| CHEVRON CORPORATION | [CVX](https://holderbook.com/stocks/CVX/) | $321.3K | 1,938 | 0.1% | 23 |
| INNOVATOR ETFS TRUST | [XBAP](https://holderbook.com/stocks/XBAP/) | $320.2K | 7,634 | 0.1% | 9 |
| GE VERNOVA INC | [GEV](https://holderbook.com/stocks/GEV/) | $311.3K | 265 | 0.1% | 1 |
| CISCO SYS INC | [CSCO](https://holderbook.com/stocks/CSCO/) | $308.3K | 2,625 | 0.1% | 3 |
| HOME DEPOT INC | [HD](https://holderbook.com/stocks/HD/) | $304.1K | 862 | 0.1% | 23 |

## 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 | +8.3% | +14.8% | -6.5% | 100% |
| Q1 2026 | +1.5% | -4.6% | +6.1% | 100% |
| Q4 2025 | +2.7% | +2.4% | +0.3% | 100% |
| Q3 2025 | +6.7% | +7.8% | -1.1% | 100% |
| Q2 2025 | +6.1% | +10.5% | -4.4% | 100% |
| Q1 2025 | -0.3% | -4.6% | +4.2% | 100% |
| Q4 2024 | -1.8% | +2.1% | -4.0% | 100% |
| Q3 2024 | +7.1% | +5.4% | +1.7% | 100% |

## Quarter by quarter

| Quarter | Value | Positions |
|---|---|---|
| Q2 2026 | $367.7M | 123 |
| Q1 2026 | $337.3M | 117 |
| Q4 2025 | $331.8M | 120 |
| Q3 2025 | $317.1M | 116 |
| Q2 2025 | $299.3M | 116 |
| Q1 2025 | $275.7M | 109 |
| Q4 2024 | $271.8M | 108 |
| Q3 2024 | $271.2M | 108 |
| Q2 2024 | $246.5M | 106 |
| Q1 2024 | $246.8M | 105 |
| Q4 2023 | $231.0M | 102 |
| Q3 2023 | $195.2M | 93 |