# Obsidian Personal Planning Solutions LLC

> Institutional holdings reported to the SEC as of Q3 2025 on Form 13F. CIK 1909128. Source: https://holderbook.com/funds/1909128-obsidian-personal-planning-solutions-llc/

- Reported value: $288.0M
- Positions: 119
- Weight of the ten largest: 52.9%
- Filed: 2025-11-13

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 | [IBTH](https://holderbook.com/stocks/IBTH/) | $26.5M | 1,178,521 | 9.2% | 3 |
| SPDR SERIES TRUST | [SPIB](https://holderbook.com/stocks/SPIB/) | $22.6M | 667,870 | 7.9% | 7 |
| ISHARES TR | [IJR](https://holderbook.com/stocks/IJR/) | $16.8M | 142,417 | 5.8% | 14 |
| VANGUARD INDEX FDS | [VTV](https://holderbook.com/stocks/VTV/) | $15.6M | 83,774 | 5.4% | 14 |
| J P MORGAN EXCHANGE TRADED F | [JPIE](https://holderbook.com/stocks/JPIE/) | $13.9M | 298,749 | 4.8% | 3 |
| SCHWAB STRATEGIC TR | [SCHD](https://holderbook.com/stocks/SCHD/) | $12.3M | 458,722 | 4.3% | 13 |
| SPDR INDEX SHS FDS | [SPDW](https://holderbook.com/stocks/SPDW/) | $12.1M | 278,664 | 4.2% | 14 |
| SPDR SERIES TRUST | [SPYG](https://holderbook.com/stocks/SPYG/) | $11.1M | 102,330 | 3.8% | 14 |
| ISHARES TR | [EFG](https://holderbook.com/stocks/EFG/) | $10.9M | 94,155 | 3.8% | 14 |
| CAPITAL GROUP GROWTH ETF | [CGGR](https://holderbook.com/stocks/CGGR/) | $10.7M | 237,737 | 3.7% | 7 |
| SPDR SERIES TRUST | [XAR](https://holderbook.com/stocks/XAR/) | $10.3M | 41,467 | 3.6% | 8 |
| VANGUARD SCOTTSDALE FDS | [VMBS](https://holderbook.com/stocks/VMBS/) | $9.1M | 192,080 | 3.1% | 7 |
| FIRST TR EXCHANGE TRADED FD | [CIBR](https://holderbook.com/stocks/CIBR/) | $8.8M | 114,079 | 3.1% | 8 |
| INVESCO EXCH TRADED FD TR II | [XMLV](https://holderbook.com/stocks/XMLV/) | $7.9M | 128,079 | 2.7% | 14 |
| ISHARES TR | [FLOT](https://holderbook.com/stocks/FLOT/) | $7.9M | 154,849 | 2.7% | 9 |
| SPDR SERIES TRUST | [MDYG](https://holderbook.com/stocks/MDYG/) | $7.0M | 76,012 | 2.4% | 5 |
| SPDR INDEX SHS FDS | [SPEM](https://holderbook.com/stocks/SPEM/) | $6.4M | 134,409 | 2.2% | 14 |
| APPLE INC | [AAPL](https://holderbook.com/stocks/AAPL/) | $4.8M | 17,904 | 1.7% | 14 |
| VANGUARD WORLD FD | [VHT](https://holderbook.com/stocks/VHT/) | $4.8M | 17,744 | 1.7% | 3 |
| SELECT SECTOR SPDR TR | [XLE](https://holderbook.com/stocks/XLE/) | $4.6M | 51,751 | 1.6% | 3 |
| J P MORGAN EXCHANGE TRADED F | [JMUB](https://holderbook.com/stocks/JMUB/) | $3.9M | 76,129 | 1.3% | 5 |
| SELECT SECTOR SPDR TR | [XLB](https://holderbook.com/stocks/XLB/) | $3.7M | 43,159 | 1.3% | 14 |
| ISHARES U S ETF TR | [MEAR](https://holderbook.com/stocks/MEAR/) | $3.5M | 68,447 | 1.2% | 9 |
| SELECT SECTOR SPDR TR | [XLF](https://holderbook.com/stocks/XLF/) | $3.2M | 61,133 | 1.1% | 3 |
| MICROSOFT CORP | [MSFT](https://holderbook.com/stocks/MSFT/) | $3.0M | 5,789 | 1.0% | 14 |
| VANGUARD INDEX FDS | [VUG](https://holderbook.com/stocks/VUG/) | $3.0M | 5,925 | 1.0% | 14 |
| INVESCO EXCHANGE TRADED FD T | [RSPM](https://holderbook.com/stocks/RSPM/) | $1.9M | 60,537 | 0.7% | 14 |
| VANGUARD TAX-MANAGED FDS | [VEA](https://holderbook.com/stocks/VEA/) | $1.9M | 30,750 | 0.7% | 14 |
| INTERNATIONAL BUSINESS MACHS | [IBM](https://holderbook.com/stocks/IBM/) | $1.8M | 5,898 | 0.6% | 14 |
| AMAZON COM INC | [AMZN](https://holderbook.com/stocks/AMZN/) | $1.5M | 6,290 | 0.5% | 14 |
| VANGUARD INDEX FDS | [VOO](https://holderbook.com/stocks/VOO/) | $1.5M | 2,412 | 0.5% | 10 |
| INVESCO EXCHANGE TRADED FD T | [PRF](https://holderbook.com/stocks/PRF/) | $1.3M | 28,269 | 0.4% | 14 |
| CATERPILLAR INC | [CAT](https://holderbook.com/stocks/CAT/) | $984.2K | 1,705 | 0.3% | 10 |
| COSTCO WHOLESALE CORPORATION | [COST](https://holderbook.com/stocks/COST/) | $966.1K | 1,060 | 0.3% | 14 |
| VANGUARD INTL EQUITY INDEX F | [VWO](https://holderbook.com/stocks/VWO/) | $960.6K | 17,475 | 0.3% | 14 |
| ALPHABET INC | [GOOGL](https://holderbook.com/stocks/GOOGL/) | $837.2K | 2,978 | 0.3% | 7 |
| PEPSICO INC | [PEP](https://holderbook.com/stocks/PEP/) | $805.9K | 5,516 | 0.3% | 14 |
| JPMORGAN CHASE & CO | [JPM](https://holderbook.com/stocks/JPM/) | $801.1K | 2,575 | 0.3% | 12 |
| SELECT SECTOR SPDR TR | [XLK](https://holderbook.com/stocks/XLK/) | $787.3K | 2,618 | 0.3% | 11 |
| RTX CORPORATION | [RTX](https://holderbook.com/stocks/RTX/) | $782.7K | 4,385 | 0.3% | 14 |
| META PLATFORMS INC | [META](https://holderbook.com/stocks/META/) | $730.2K | 1,126 | 0.3% | 10 |
| BERKSHIRE HATHAWAY INC DEL | [BRKB](https://holderbook.com/stocks/BRKB/) | $686.9K | 1,438 | 0.2% | 14 |
| VISA INC | [V](https://holderbook.com/stocks/V/) | $621.2K | 1,823 | 0.2% | 11 |
| ALPHABET INC | [GOOG](https://holderbook.com/stocks/GOOG/) | $604.8K | 2,146 | 0.2% | 7 |
| VANGUARD WHITEHALL FDS | [VYM](https://holderbook.com/stocks/VYM/) | $587.5K | 4,179 | 0.2% | 14 |
| MARRIOTT INTL INC NEW | [MAR](https://holderbook.com/stocks/MAR/) | $556.3K | 2,135 | 0.2% | 14 |
| CSX CORP | [CSX](https://holderbook.com/stocks/CSX/) | $541.1K | 15,021 | 0.2% | 8 |
| BANK OF AMER CORP | [BAC](https://holderbook.com/stocks/BAC/) | $532.3K | 9,959 | 0.2% | 11 |
| JOHNSON & JOHNSON | [JNJ](https://holderbook.com/stocks/JNJ/) | $525.6K | 2,783 | 0.2% | 14 |
| ISHARES TR | [IVV](https://holderbook.com/stocks/IVV/) | $519.4K | 758 | 0.2% | 10 |
| CAPITAL GROUP DIVIDEND VALUE | [CGDV](https://holderbook.com/stocks/CGDV/) | $508.7K | 11,924 | 0.2% | 7 |
| BROADCOM INC | [AVGO](https://holderbook.com/stocks/AVGO/) | $482.4K | 1,305 | 0.2% | 6 |
| CAMTEK LTD | [CAMT](https://holderbook.com/stocks/CAMT/) | $480.2K | 3,878 | 0.2% | 11 |
| MCDONALDS CORP | [MCD](https://holderbook.com/stocks/MCD/) | $473.4K | 1,586 | 0.2% | 12 |
| TEXAS INSTRS INC | [TXN](https://holderbook.com/stocks/TXN/) | $450.5K | 2,790 | 0.2% | 14 |
| UNION PAC CORP | [UNP](https://holderbook.com/stocks/UNP/) | $439.9K | 1,996 | 0.2% | 14 |
| VANGUARD INDEX FDS | [VOT](https://holderbook.com/stocks/VOT/) | $436.1K | 1,494 | 0.2% | 11 |
| LAM RESEARCH CORP | [LRCX](https://holderbook.com/stocks/LRCX/) | $426.9K | 2,711 | 0.1% | 2 |
| VANGUARD INDEX FDS | [VB](https://holderbook.com/stocks/VB/) | $420.0K | 1,647 | 0.1% | 7 |
| EXXON MOBIL CORP | [XOMXXXX](https://holderbook.com/stocks/XOMXXXX/) | $416.7K | 3,644 | 0.1% | 1 |
| DANAHER CORP DEL | [DHR](https://holderbook.com/stocks/DHR/) | $415.9K | 1,931 | 0.1% | 14 |
| HONEYWELL INTL INC | [HONZZZZ](https://holderbook.com/stocks/HONZZZZ/) | $413.5K | 2,054 | 0.1% | 14 |
| ABBVIE INC | [ABBV](https://holderbook.com/stocks/ABBV/) | $409.3K | 1,877 | 0.1% | 10 |
| VANGUARD STAR FDS | [VXUS](https://holderbook.com/stocks/VXUS/) | $402.7K | 5,396 | 0.1% | 7 |
| ISHARES TR | [ITA](https://holderbook.com/stocks/ITA/) | $380.0K | 1,761 | 0.1% | 8 |
| AMERICAN EXPRESS CO | [AXP](https://holderbook.com/stocks/AXP/) | $377.0K | 1,045 | 0.1% | 7 |
| WISDOMTREE TR | [DGRW](https://holderbook.com/stocks/DGRW/) | $376.1K | 4,222 | 0.1% | 14 |
| BLACKSTONE INC | [BX](https://holderbook.com/stocks/BX/) | $368.8K | 2,515 | 0.1% | 11 |
| MASTERCARD INCORPORATED | [MA](https://holderbook.com/stocks/MA/) | $367.5K | 666 | 0.1% | 5 |
| CISCO SYS INC | [CSCO](https://holderbook.com/stocks/CSCO/) | $362.3K | 4,955 | 0.1% | 8 |
| VANGUARD INDEX FDS | [VBR](https://holderbook.com/stocks/VBR/) | $356.4K | 1,726 | 0.1% | 11 |
| MCKESSON CORP | [MCK](https://holderbook.com/stocks/MCK/) | $345.6K | 426 | 0.1% | 7 |
| VANGUARD INDEX FDS | [VO](https://holderbook.com/stocks/VO/) | $342.4K | 1,177 | 0.1% | 7 |
| WISDOMTREE TR | [DTD](https://holderbook.com/stocks/DTD/) | $332.4K | 3,978 | 0.1% | 14 |
| NVIDIA CORPORATION | [NVDA](https://holderbook.com/stocks/NVDA/) | $318.1K | 1,571 | 0.1% | 2 |
| BANK OF NY MELLON CORP | [BNY](https://holderbook.com/stocks/BNY/) | $317.1K | 2,938 | 0.1% | 5 |
| PIMCO ETF TR | [MINT](https://holderbook.com/stocks/MINT/) | $310.7K | 3,086 | 0.1% | 9 |
| PROCTER & GAMBLE CO | [PG](https://holderbook.com/stocks/PG/) | $309.2K | 2,056 | 0.1% | 14 |
| SELECT SECTOR SPDR TR | [XLC](https://holderbook.com/stocks/XLC/) | $296.7K | 2,584 | 0.1% | 10 |
| SELECT SECTOR SPDR TR | [XLU](https://holderbook.com/stocks/XLU/) | $291.8K | 3,275 | 0.1% | 7 |
| ISHARES TR | [IWR](https://holderbook.com/stocks/IWR/) | $288.7K | 3,015 | 0.1% | 2 |
| CENCORA INC | [COR](https://holderbook.com/stocks/COR/) | $288.5K | 854 | 0.1% | 4 |
| WASTE MGMT INC DEL | [WM](https://holderbook.com/stocks/WM/) | $287.9K | 1,441 | 0.1% | 10 |
| AT&T INC | [T](https://holderbook.com/stocks/T/) | $283.3K | 11,445 | 0.1% | 14 |
| CAPITAL ONE FINL CORP | [COF](https://holderbook.com/stocks/COF/) | $280.6K | 1,275 | 0.1% | 2 |
| VANGUARD ADMIRAL FDS INC | [VOOG](https://holderbook.com/stocks/VOOG/) | $276.9K | 615 | 0.1% | 6 |
| HOME DEPOT INC | [HD](https://holderbook.com/stocks/HD/) | $269.5K | 710 | 0.1% | 12 |
| DUKE ENERGY CORP NEW | [DUK](https://holderbook.com/stocks/DUK/) | $267.7K | 2,154 | 0.1% | 10 |
| VANGUARD INDEX FDS | [VBK](https://holderbook.com/stocks/VBK/) | $264.2K | 870 | 0.1% | 7 |
| BLACKROCK INC | [BLK](https://holderbook.com/stocks/BLK/) | $264.2K | 244 | 0.1% | 1 |
| AFLAC INC | [AFL](https://holderbook.com/stocks/AFL/) | $261.5K | 2,440 | 0.1% | 7 |
| LYFT INC | [LYFT](https://holderbook.com/stocks/LYFT/) | $258.2K | 12,619 | 0.1% | 1 |
| ISHARES GOLD TR | [IAU](https://holderbook.com/stocks/IAU/) | $255.0K | 3,382 | 0.1% | 3 |
| VANGUARD WORLD FD | [VGT](https://holderbook.com/stocks/VGT/) | $254.6K | 321 | 0.1% | 2 |
| VALERO ENERGY CORP | [VLO](https://holderbook.com/stocks/VLO/) | $254.3K | 1,500 | 0.1% | 2 |
| DEERE & CO | [DE](https://holderbook.com/stocks/DE/) | $245.6K | 532 | 0.1% | 5 |
| SPDR GOLD TR | [GLD](https://holderbook.com/stocks/GLD/) | $244.8K | 665 | 0.1% | 1 |
| TRUIST FINL CORP | [TFC](https://holderbook.com/stocks/TFC/) | $243.1K | 5,447 | 0.1% | 1 |
| TJX COS INC NEW | [TJX](https://holderbook.com/stocks/TJX/) | $243.0K | 1,734 | 0.1% | 5 |
| WISDOMTREE TR | [AGGY](https://holderbook.com/stocks/AGGY/) | $237.4K | 5,364 | 0.1% | 9 |

## 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 |
|---|---|---|---|---|
| Q3 2025 | +4.7% | +7.8% | -3.2% | 100% |
| Q2 2025 | +5.6% | +10.5% | -4.8% | 101% |
| Q1 2025 | -1.1% | -4.6% | +3.4% | 97% |
| Q4 2024 | -1.7% | +2.1% | -3.9% | 109% |
| Q3 2024 | +6.0% | +5.4% | +0.6% | 100% |
| Q2 2024 | +0.3% | +4.0% | -3.7% | 103% |
| Q1 2024 | +5.2% | +10.0% | -4.9% | 100% |
| Q4 2023 | +7.5% | +11.2% | -3.7% | 100% |

## Quarter by quarter

| Quarter | Value | Positions |
|---|---|---|
| Q3 2025 | $288.0M | 119 |
| Q2 2025 | $247.1M | 113 |
| Q1 2025 | $223.9M | 105 |
| Q4 2024 | $207.3M | 105 |
| Q3 2024 | $191.3M | 101 |
| Q2 2024 | $163.8M | 97 |
| Q1 2024 | $152.3M | 99 |
| Q4 2023 | $131.4M | 81 |
| Q3 2023 | $117.1M | 76 |
| Q2 2023 | $81.2M | 71 |
| Q1 2023 | $68.6M | 53 |
| Q4 2022 | $62.3M | 40 |