# CYPRESS FINANCIAL PLANNING LLC

> Institutional holdings reported to the SEC as of Q3 2026 on Form 13F. CIK 1937021. Source: https://holderbook.com/funds/1937021-cypress-financial-planning-llc/

- Reported value: $373.5M
- Positions: 102
- Weight of the ten largest: 67.3%
- Filed: 2026-10-09

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/) | $42.4M | 55,415 | 11.4% | 18 |
| VANGUARD SCOTTSDALE FDS | [VCSH](https://holderbook.com/stocks/VCSH/) | $34.6M | 447,489 | 9.3% | 18 |
| VANGUARD TAX-MANAGED FDS | [VEA](https://holderbook.com/stocks/VEA/) | $34.3M | 486,271 | 9.2% | 18 |
| VANGUARD INDEX FDS | [VXF](https://holderbook.com/stocks/VXF/) | $28.2M | 121,883 | 7.6% | 18 |
| VANGUARD SCOTTSDALE FDS | [VGIT](https://holderbook.com/stocks/VGIT/) | $25.0M | 441,394 | 6.7% | 11 |
| JANUS DETROIT STR TR | [JMBS](https://holderbook.com/stocks/JMBS/) | $20.9M | 493,861 | 5.6% | 2 |
| ISHARES TR | [DGRO](https://holderbook.com/stocks/DGRO/) | $18.4M | 243,711 | 4.9% | 18 |
| VANGUARD INDEX FDS | [VNQ](https://holderbook.com/stocks/VNQ/) | $18.3M | 204,464 | 4.9% | 18 |
| VANGUARD SCOTTSDALE FDS | [VCIT](https://holderbook.com/stocks/VCIT/) | $16.1M | 205,708 | 4.3% | 18 |
| ISHARES TR | [IEFA](https://holderbook.com/stocks/IEFA/) | $13.0M | 134,444 | 3.5% | 18 |
| INVESCO EXCHANGE TRADED FD T | [RSP](https://holderbook.com/stocks/RSP/) | $12.8M | 61,719 | 3.4% | 1 |
| VANGUARD INTL EQUITY INDEX F | [VWO](https://holderbook.com/stocks/VWO/) | $11.6M | 195,168 | 3.1% | 18 |
| VANGUARD SPECIALIZED FUNDS | [VIG](https://holderbook.com/stocks/VIG/) | $8.4M | 35,802 | 2.2% | 18 |
| STATE STR SPDR S&P 500 ETF T | [SPY](https://holderbook.com/stocks/SPY/) | $8.1M | 10,252 | 2.2% | 18 |
| MORGAN STANLEY | [MS](https://holderbook.com/stocks/MS/) | $7.1M | 37,654 | 1.9% | 11 |
| ISHARES INC | [IEMG](https://holderbook.com/stocks/IEMG/) | $5.4M | 66,073 | 1.4% | 11 |
| CAPITAL ONE FINL CORP | [COF](https://holderbook.com/stocks/COF/) | $4.4M | 22,722 | 1.2% | 6 |
| SCHWAB STRATEGIC TR | [SCHG](https://holderbook.com/stocks/SCHG/) | $3.6M | 101,248 | 1.0% | 4 |
| SCHWAB STRATEGIC TR | [SCHV](https://holderbook.com/stocks/SCHV/) | $3.5M | 105,203 | 0.9% | 4 |
| APPLE INC | [AAPL](https://holderbook.com/stocks/AAPL/) | $3.2M | 9,705 | 0.9% | 18 |
| INVESCO QQQ TR | [QQQ](https://holderbook.com/stocks/QQQ/) | $2.4M | 0 | 0.6% | 7 |
| VANGUARD INDEX FDS | [VTI](https://holderbook.com/stocks/VTI/) | $2.2M | 5,929 | 0.6% | 18 |
| ISHARES TR | [IJR](https://holderbook.com/stocks/IJR/) | $2.2M | 15,936 | 0.6% | 11 |
| VANGUARD INDEX FDS | [VUG](https://holderbook.com/stocks/VUG/) | $2.1M | 22,752 | 0.5% | 18 |
| BERKSHIRE HATHAWAY INC DEL | [BRKB](https://holderbook.com/stocks/BRKB/) | $1.7M | 3,327 | 0.4% | 18 |
| LOCKHEED MARTIN CORP | [LMT](https://holderbook.com/stocks/LMT/) | $1.7M | 3,246 | 0.4% | 18 |
| AMAZON COM INC | [AMZN](https://holderbook.com/stocks/AMZN/) | $1.6M | 6,484 | 0.4% | 18 |
| DIMENSIONAL ETF TRUST | [DFCF](https://holderbook.com/stocks/DFCF/) | $1.5M | 36,393 | 0.4% | 4 |
| DIMENSIONAL ETF TRUST | [DFSD](https://holderbook.com/stocks/DFSD/) | $1.4M | 30,020 | 0.4% | 4 |
| DIMENSIONAL ETF TRUST | [DGCB](https://holderbook.com/stocks/DGCB/) | $1.4M | 26,555 | 0.4% | 4 |
| SPDR SERIES TRUST | [SHM](https://holderbook.com/stocks/SHM/) | $1.2M | 25,604 | 0.3% | 11 |
| PGIM ROCK ETF TR | [DECP](https://holderbook.com/stocks/DECP/) | $1.1M | 33,695 | 0.3% | 4 |
| VANGUARD INTL EQUITY INDEX F | [VGK](https://holderbook.com/stocks/VGK/) | $1.1M | 12,721 | 0.3% | 11 |
| PGIM ROCK ETF TR | [FEBP](https://holderbook.com/stocks/FEBP/) | $922.0K | 26,374 | 0.2% | 3 |
| AMERICAN CENTY ETF TR | [AVUV](https://holderbook.com/stocks/AVUV/) | $913.7K | 7,759 | 0.2% | 2 |
| ISHARES TR | [IEF](https://holderbook.com/stocks/IEF/) | $899.2K | 10,068 | 0.2% | 8 |
| ISHARES TR | [IWF](https://holderbook.com/stocks/IWF/) | $890.3K | 7,108 | 0.2% | 9 |
| ISHARES TR | [EFA](https://holderbook.com/stocks/EFA/) | $881.4K | 8,484 | 0.2% | 18 |
| NVIDIA CORPORATION | [NVDA](https://holderbook.com/stocks/NVDA/) | $869.1K | 3,806 | 0.2% | 10 |
| VANGUARD INDEX FDS | [VTV](https://holderbook.com/stocks/VTV/) | $865.2K | 4,004 | 0.2% | 11 |
| ISHARES TR | [MUB](https://holderbook.com/stocks/MUB/) | $858.2K | 8,489 | 0.2% | 11 |
| AMERICAN CENTY ETF TR | [AVDV](https://holderbook.com/stocks/AVDV/) | $854.3K | 7,810 | 0.2% | 2 |
| JOHNSON CONTROLS INTERNATION | [JCI](https://holderbook.com/stocks/JCI/) | $763.3K | 5,135 | 0.2% | 11 |
| PGIM ROCK ETF TR | [MRCP](https://holderbook.com/stocks/MRCP/) | $756.4K | 21,451 | 0.2% | 3 |
| JPMORGAN CHASE & CO | [JPM](https://holderbook.com/stocks/JPM/) | $751.9K | 2,273 | 0.2% | 10 |
| ALPHABET INC | [GOOG](https://holderbook.com/stocks/GOOG/) | $749.0K | 2,198 | 0.2% | 10 |
| MICROSOFT CORP | [MSFT](https://holderbook.com/stocks/MSFT/) | $743.8K | 1,450 | 0.2% | 11 |
| VISA INC | [V](https://holderbook.com/stocks/V/) | $718.0K | 1,998 | 0.2% | 4 |
| VANGUARD MUN BD FDS | [VTEB](https://holderbook.com/stocks/VTEB/) | $708.0K | 14,949 | 0.2% | 4 |
| SPDR INDEX SHS FDS | [SPDW](https://holderbook.com/stocks/SPDW/) | $682.3K | 13,588 | 0.2% | 11 |
| NETFLIX INC | [NFLX](https://holderbook.com/stocks/NFLX/) | $680.6K | 9,781 | 0.2% | 11 |
| VANGUARD INDEX FDS | [VOO](https://holderbook.com/stocks/VOO/) | $660.8K | 943 | 0.2% | 11 |
| SPDR SERIES TRUST | [SPYM](https://holderbook.com/stocks/SPYM/) | $657.1K | 7,321 | 0.2% | 18 |
| ISHARES TR | [IJS](https://holderbook.com/stocks/IJS/) | $610.0K | 4,762 | 0.2% | 18 |
| SCHWAB STRATEGIC TR | [SCHX](https://holderbook.com/stocks/SCHX/) | $609.0K | 20,301 | 0.2% | 11 |
| INNOVATOR ETFS TRUST | [ISEP](https://holderbook.com/stocks/ISEP/) | $595.6K | 17,059 | 0.2% | 13 |
| INNOVATOR ETFS TRUST | [IJUL](https://holderbook.com/stocks/IJUL/) | $591.7K | 16,378 | 0.2% | 10 |
| ISHARES TR | [IWM](https://holderbook.com/stocks/IWM/) | $536.0K | 1,929 | 0.1% | 18 |
| VANGUARD INDEX FDS | [VB](https://holderbook.com/stocks/VB/) | $529.4K | 1,861 | 0.1% | 6 |
| SPDR SERIES TRUST | [TFI](https://holderbook.com/stocks/TFI/) | $514.4K | 12,026 | 0.1% | 11 |
| EA SERIES TRUST | [USEW](https://holderbook.com/stocks/USEW/) | $502.0K | 9,073 | 0.1% | 4 |
| INNOVATOR ETFS TRUST | [IDEC](https://holderbook.com/stocks/IDEC/) | $486.6K | 14,094 | 0.1% | 8 |
| PGIM ROCK ETF TR | [JANP](https://holderbook.com/stocks/JANP/) | $481.5K | 13,488 | 0.1% | 3 |
| INNOVATOR ETFS TRUST | [PSEP](https://holderbook.com/stocks/PSEP/) | $470.8K | 10,047 | 0.1% | 18 |
| ISHARES TR | [LQD](https://holderbook.com/stocks/LQD/) | $468.2K | 4,582 | 0.1% | 18 |
| INNOVATOR ETFS TRUST | [IOCT](https://holderbook.com/stocks/IOCT/) | $419.4K | 11,105 | 0.1% | 12 |
| ISHARES TR | [HEFA](https://holderbook.com/stocks/HEFA/) | $404.5K | 8,720 | 0.1% | 6 |
| QUALCOMM INC | [QCOM](https://holderbook.com/stocks/QCOM/) | $403.5K | 2,192 | 0.1% | 11 |
| PGIM ROCK ETF TR | [SEPP](https://holderbook.com/stocks/SEPP/) | $385.5K | 11,614 | 0.1% | 1 |
| DIMENSIONAL ETF TRUST | [DFEV](https://holderbook.com/stocks/DFEV/) | $361.4K | 8,523 | 0.1% | 4 |
| ABBVIE INC | [ABBV](https://holderbook.com/stocks/ABBV/) | $345.4K | 1,320 | 0.1% | 8 |
| INNOVATOR ETFS TRUST | [INOV](https://holderbook.com/stocks/INOV/) | $344.9K | 9,369 | 0.1% | 4 |
| MCDONALDS CORP | [MCD](https://holderbook.com/stocks/MCD/) | $337.7K | 1,462 | 0.1% | 4 |
| UNITEDHEALTH GROUP INC | [UNH](https://holderbook.com/stocks/UNH/) | $336.0K | 915 | 0.1% | 5 |
| SHOPIFY INC | [SHOP](https://holderbook.com/stocks/SHOP/) | $335.9K | 2,265 | 0.1% | 7 |
| ISHARES TR | [IDEV](https://holderbook.com/stocks/IDEV/) | $333.0K | 3,721 | 0.1% | 2 |
| ISHARES TR | [IYR](https://holderbook.com/stocks/IYR/) | $329.5K | 3,467 | 0.1% | 8 |
| AMERICAN TOWER CORP | [AMT](https://holderbook.com/stocks/AMT/) | $317.9K | 1,942 | 0.1% | 11 |
| PGIM ROCK ETF TR | [OCTP](https://holderbook.com/stocks/OCTP/) | $291.5K | 8,696 | 0.1% | 1 |
| VANGUARD INDEX FDS | [VBK](https://holderbook.com/stocks/VBK/) | $282.1K | 835 | 0.1% | 2 |
| TESLA INC | [TSLA](https://holderbook.com/stocks/TSLA/) | $278.5K | 785 | 0.1% | 8 |
| INNOVATOR ETFS TRUST | [IJUN](https://holderbook.com/stocks/IJUN/) | $270.2K | 8,651 | 0.1% | 6 |
| SCHWAB STRATEGIC TR | [SCHH](https://holderbook.com/stocks/SCHH/) | $268.4K | 12,176 | 0.1% | 9 |
| PROCTER & GAMBLE CO | [PG](https://holderbook.com/stocks/PG/) | $259.8K | 1,789 | 0.1% | 11 |
| SPDR SERIES TRUST | [SPSM](https://holderbook.com/stocks/SPSM/) | $259.5K | 4,909 | 0.1% | 6 |
| INNOVATOR ETFS TRUST | [PDEC](https://holderbook.com/stocks/PDEC/) | $257.0K | 5,455 | 0.1% | 18 |
| PALANTIR TECHNOLOGIES INC | [PLTR](https://holderbook.com/stocks/PLTR/) | $254.4K | 1,360 | 0.1% | 1 |
| SPDR SERIES TRUST | [SPSB](https://holderbook.com/stocks/SPSB/) | $252.6K | 8,536 | 0.1% | 9 |
| INTERNATIONAL BUSINESS MACHS | [IBM](https://holderbook.com/stocks/IBM/) | $251.1K | 1,142 | 0.1% | 9 |
| JOHNSON & JOHNSON | [JNJ](https://holderbook.com/stocks/JNJ/) | $245.6K | 928 | 0.1% | 2 |
| BROADCOM INC | [AVGO](https://holderbook.com/stocks/AVGO/) | $242.5K | 691 | 0.1% | 5 |
| VANGUARD INDEX FDS | [VBR](https://holderbook.com/stocks/VBR/) | $240.7K | 1,042 | 0.1% | 2 |
| INNOVATOR ETFS TRUST | [IFEB](https://holderbook.com/stocks/IFEB/) | $235.4K | 7,500 | 0.1% | 3 |
| BURLINGTON STORES INC | [BURL](https://holderbook.com/stocks/BURL/) | $231.4K | 866 | 0.1% | 3 |
| SCHWAB STRATEGIC TR | [SCHF](https://holderbook.com/stocks/SCHF/) | $229.0K | 8,338 | 0.1% | 2 |
| PGIM ROCK ETF TR | [PBNV](https://holderbook.com/stocks/PBNV/) | $224.3K | 7,051 | 0.1% | 4 |
| INVESCO EXCH TRD SLF IDX FD | [BSCY](https://holderbook.com/stocks/BSCY/) | $216.1K | 11,070 | 0.1% | 1 |
| SPACE EXPLORATION TECHN CORP | [SPCX](https://holderbook.com/stocks/SPCX/) | $214.7K | 1,423 | 0.1% | 1 |
| DIMENSIONAL ETF TRUST | [DUSB](https://holderbook.com/stocks/DUSB/) | $214.4K | 4,247 | 0.1% | 5 |
| ISHARES TR | [IWD](https://holderbook.com/stocks/IWD/) | $209.0K | 843 | 0.1% | 2 |

## 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 | +7.5% | +14.8% | -7.3% | 99% |
| Q1 2026 | -1.5% | -4.6% | +3.1% | 99% |
| Q4 2025 | +1.1% | +2.4% | -1.3% | 100% |
| Q3 2025 | +4.5% | +7.8% | -3.3% | 100% |
| Q2 2025 | +5.6% | +10.5% | -4.8% | 99% |
| Q1 2025 | -0.2% | -4.6% | +4.3% | 100% |
| Q4 2024 | -2.2% | +2.1% | -4.3% | 100% |
| Q3 2024 | +6.3% | +5.4% | +0.9% | 99% |

## Quarter by quarter

| Quarter | Value | Positions |
|---|---|---|
| Q3 2026 | $373.5M | 102 |
| Q2 2026 | $412.9M | 106 |
| Q1 2026 | $362.6M | 100 |
| Q4 2025 | $362.2M | 103 |
| Q3 2025 | $328.1M | 87 |
| Q2 2025 | $306.5M | 81 |
| Q1 2025 | $280.2M | 80 |
| Q4 2024 | $272.5M | 79 |
| Q3 2024 | $270.5M | 76 |
| Q2 2024 | $241.7M | 68 |
| Q1 2024 | $218.6M | 66 |
| Q4 2023 | $110.2M | 42 |