# Essential Planning, LLC.

> Institutional holdings reported to the SEC as of Q2 2026 on Form 13F. CIK 1949824. Source: https://holderbook.com/funds/1949824-essential-planning-llc/

- Reported value: $353.9M
- Positions: 87
- Weight of the ten largest: 65.9%
- Filed: 2026-08-03

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 |
|---|---|---|---|---|---|
| DIMENSIONAL ETF TRUST | [DFAU](https://holderbook.com/stocks/DFAU/) | $55.7M | 1,077,468 | 15.7% | 16 |
| VANGUARD BD INDEX FDS | [BND](https://holderbook.com/stocks/BND/) | $49.7M | 676,966 | 14.0% | 12 |
| VANGUARD INDEX FDS | [VTI](https://holderbook.com/stocks/VTI/) | $26.1M | 70,599 | 7.4% | 16 |
| DIMENSIONAL ETF TRUST | [DFAI](https://holderbook.com/stocks/DFAI/) | $20.0M | 485,639 | 5.7% | 16 |
| DIMENSIONAL ETF TRUST | [DFSD](https://holderbook.com/stocks/DFSD/) | $16.2M | 338,620 | 4.6% | 14 |
| J P MORGAN EXCHANGE TRADED F | [JPLD](https://holderbook.com/stocks/JPLD/) | $15.5M | 296,964 | 4.4% | 8 |
| DIMENSIONAL ETF TRUST | [DCOR](https://holderbook.com/stocks/DCOR/) | $13.3M | 162,396 | 3.8% | 8 |
| DIMENSIONAL ETF TRUST | [DFCF](https://holderbook.com/stocks/DFCF/) | $12.8M | 303,658 | 3.6% | 15 |
| DIMENSIONAL ETF TRUST | [DFAC](https://holderbook.com/stocks/DFAC/) | $12.4M | 279,959 | 3.5% | 16 |
| STATE STR SPDR S&P 500 ETF T | [SPY](https://holderbook.com/stocks/SPY/) | $11.6M | 15,515 | 3.3% | 8 |
| DIMENSIONAL ETF TRUST | [DFAE](https://holderbook.com/stocks/DFAE/) | $9.3M | 232,434 | 2.6% | 15 |
| VANGUARD BD INDEX FDS | [BSV](https://holderbook.com/stocks/BSV/) | $8.5M | 109,242 | 2.4% | 15 |
| FIDELITY MERRIMACK STR TR | [FBND](https://holderbook.com/stocks/FBND/) | $7.5M | 164,190 | 2.1% | 8 |
| ISHARES TR | [IVV](https://holderbook.com/stocks/IVV/) | $6.8M | 9,064 | 1.9% | 15 |
| VANGUARD TAX-MANAGED FDS | [VEA](https://holderbook.com/stocks/VEA/) | $6.3M | 88,398 | 1.8% | 8 |
| DIMENSIONAL ETF TRUST | [DFIC](https://holderbook.com/stocks/DFIC/) | $6.0M | 160,754 | 1.7% | 8 |
| VANGUARD MALVERN FDS | [VTIP](https://holderbook.com/stocks/VTIP/) | $5.9M | 116,587 | 1.7% | 16 |
| VANGUARD INDEX FDS | [VBK](https://holderbook.com/stocks/VBK/) | $5.7M | 15,534 | 1.6% | 15 |
| ISHARES TR | [MBB](https://holderbook.com/stocks/MBB/) | $4.6M | 49,158 | 1.3% | 15 |
| FIDELITY COVINGTON TRUST | [FREL](https://holderbook.com/stocks/FREL/) | $4.0M | 135,769 | 1.1% | 16 |
| PIMCO ETF TR | [BOND](https://holderbook.com/stocks/BOND/) | $3.7M | 39,884 | 1.0% | 16 |
| PIMCO ETF TR | [MINT](https://holderbook.com/stocks/MINT/) | $3.6M | 36,001 | 1.0% | 15 |
| ELI LILLY & CO | [LLY](https://holderbook.com/stocks/LLY/) | $3.4M | 2,850 | 1.0% | 15 |
| ISHARES INC | [IEMG](https://holderbook.com/stocks/IEMG/) | $2.8M | 34,102 | 0.8% | 7 |
| DIMENSIONAL ETF TRUST | [DFEM](https://holderbook.com/stocks/DFEM/) | $2.8M | 68,715 | 0.8% | 7 |
| ISHARES TR | [SHY](https://holderbook.com/stocks/SHY/) | $2.7M | 33,346 | 0.8% | 16 |
| ISHARES TR | [IBTI](https://holderbook.com/stocks/IBTI/) | $2.0M | 91,472 | 0.6% | 7 |
| APPLE INC | [AAPL](https://holderbook.com/stocks/AAPL/) | $2.0M | 6,790 | 0.6% | 16 |
| MICROSOFT CORP | [MSFT](https://holderbook.com/stocks/MSFT/) | $1.7M | 4,522 | 0.5% | 16 |
| BERKSHIRE HATHAWAY INC DEL | [BRKB](https://holderbook.com/stocks/BRKB/) | $1.4M | 2,787 | 0.4% | 16 |
| ALPHABET INC | [GOOGL](https://holderbook.com/stocks/GOOGL/) | $1.3M | 3,729 | 0.4% | 16 |
| ISHARES TR | [IBTG](https://holderbook.com/stocks/IBTG/) | $1.3M | 54,816 | 0.4% | 12 |
| DOUBLELINE ETF TRUST | [DBND](https://holderbook.com/stocks/DBND/) | $1.0M | 22,733 | 0.3% | 14 |
| VANGUARD SCOTTSDALE FDS | [VMBS](https://holderbook.com/stocks/VMBS/) | $1.0M | 21,818 | 0.3% | 15 |
| DIMENSIONAL ETF TRUST | [DUSB](https://holderbook.com/stocks/DUSB/) | $1.0M | 19,764 | 0.3% | 7 |
| PIMCO ETF TR | [STPZ](https://holderbook.com/stocks/STPZ/) | $1.0M | 18,749 | 0.3% | 14 |
| WALMART INC | [WMT](https://holderbook.com/stocks/WMT/) | $989.7K | 8,738 | 0.3% | 16 |
| VANGUARD BD INDEX FDS | [VUSB](https://holderbook.com/stocks/VUSB/) | $897.2K | 18,023 | 0.3% | 3 |
| ISHARES TR | [IUSB](https://holderbook.com/stocks/IUSB/) | $811.4K | 17,581 | 0.2% | 12 |
| VANGUARD STAR FDS | [VXUS](https://holderbook.com/stocks/VXUS/) | $800.9K | 9,365 | 0.2% | 14 |
| DIMENSIONAL ETF TRUST | [DFIP](https://holderbook.com/stocks/DFIP/) | $790.6K | 19,164 | 0.2% | 3 |
| WISDOMTREE TR | [EPS](https://holderbook.com/stocks/EPS/) | $778.9K | 10,012 | 0.2% | 15 |
| ISHARES TR | [IXUS](https://holderbook.com/stocks/IXUS/) | $688.5K | 7,214 | 0.2% | 11 |
| VANGUARD INDEX FDS | [VBR](https://holderbook.com/stocks/VBR/) | $680.6K | 2,801 | 0.2% | 4 |
| VANGUARD CHARLOTTE FDS | [BNDX](https://holderbook.com/stocks/BNDX/) | $639.5K | 13,205 | 0.2% | 15 |
| VANGUARD SPECIALIZED FUNDS | [VIG](https://holderbook.com/stocks/VIG/) | $631.6K | 2,669 | 0.2% | 16 |
| VANGUARD INDEX FDS | [VOO](https://holderbook.com/stocks/VOO/) | $616.7K | 898 | 0.2% | 14 |
| DIMENSIONAL ETF TRUST | [DFGR](https://holderbook.com/stocks/DFGR/) | $610.1K | 21,058 | 0.2% | 4 |
| ISHARES TR | [IBTH](https://holderbook.com/stocks/IBTH/) | $579.1K | 25,888 | 0.2% | 10 |
| ISHARES TR | [EUSB](https://holderbook.com/stocks/EUSB/) | $572.5K | 13,177 | 0.2% | 14 |
| VANGUARD WORLD FD | [VHT](https://holderbook.com/stocks/VHT/) | $543.7K | 1,818 | 0.2% | 15 |
| DIMENSIONAL ETF TRUST | [DFSV](https://holderbook.com/stocks/DFSV/) | $529.3K | 13,645 | 0.1% | 11 |
| WISDOMTREE TR | [EES](https://holderbook.com/stocks/EES/) | $511.1K | 7,540 | 0.1% | 16 |
| GOLDMAN SACHS GROUP INC | [GS](https://holderbook.com/stocks/GS/) | $505.7K | 500 | 0.1% | 16 |
| AMAZON COM INC | [AMZN](https://holderbook.com/stocks/AMZN/) | $495.1K | 2,077 | 0.1% | 9 |
| ISHARES TR | [DSI](https://holderbook.com/stocks/DSI/) | $478.4K | 3,360 | 0.1% | 9 |
| VANGUARD WORLD FD | [ESGV](https://holderbook.com/stocks/ESGV/) | $458.7K | 3,469 | 0.1% | 9 |
| JPMORGAN CHASE & CO | [JPM](https://holderbook.com/stocks/JPM/) | $451.1K | 1,378 | 0.1% | 13 |
| LAM RESEARCH CORP | [LRCX](https://holderbook.com/stocks/LRCX/) | $442.0K | 1,020 | 0.1% | 2 |
| DIMENSIONAL ETF TRUST | [DFUS](https://holderbook.com/stocks/DFUS/) | $441.5K | 5,388 | 0.1% | 11 |
| VANGUARD SCOTTSDALE FDS | [VGSH](https://holderbook.com/stocks/VGSH/) | $438.0K | 7,525 | 0.1% | 16 |
| VANGUARD INDEX FDS | [VTV](https://holderbook.com/stocks/VTV/) | $420.8K | 1,931 | 0.1% | 3 |
| VANGUARD INDEX FDS | [VB](https://holderbook.com/stocks/VB/) | $408.8K | 1,349 | 0.1% | 9 |
| VANGUARD WORLD FD | [VCEB](https://holderbook.com/stocks/VCEB/) | $403.8K | 6,433 | 0.1% | 14 |
| ISHARES TR | [IJT](https://holderbook.com/stocks/IJT/) | $398.1K | 2,229 | 0.1% | 11 |
| NVIDIA CORPORATION | [NVDA](https://holderbook.com/stocks/NVDA/) | $378.0K | 1,889 | 0.1% | 9 |
| INVESCO EXCHANGE TRADED FD T | [RSP](https://holderbook.com/stocks/RSP/) | $375.6K | 1,765 | 0.1% | 9 |
| VANGUARD SCOTTSDALE FDS | [VCSH](https://holderbook.com/stocks/VCSH/) | $370.9K | 4,693 | 0.1% | 15 |
| TRANE TECHNOLOGIES PLC | [TT](https://holderbook.com/stocks/TT/) | $362.5K | 738 | 0.1% | 9 |
| DIMENSIONAL ETF TRUST | [DFAX](https://holderbook.com/stocks/DFAX/) | $361.1K | 9,803 | 0.1% | 16 |
| RTX CORPORATION | [RTX](https://holderbook.com/stocks/RTX/) | $342.6K | 1,806 | 0.1% | 8 |
| WISDOMTREE TR | [DTD](https://holderbook.com/stocks/DTD/) | $340.9K | 3,656 | 0.1% | 15 |
| DIMENSIONAL ETF TRUST | [DFUV](https://holderbook.com/stocks/DFUV/) | $340.8K | 6,195 | 0.1% | 14 |
| ARISTA NETWORKS INC | [ANET](https://holderbook.com/stocks/ANET/) | $339.8K | 2,000 | 0.1% | 5 |
| ISHARES TR | [SUB](https://holderbook.com/stocks/SUB/) | $306.6K | 2,879 | 0.1% | 13 |
| IDEXX LABS INC | [IDXX](https://holderbook.com/stocks/IDXX/) | $294.3K | 559 | 0.1% | 3 |
| VANGUARD INTL EQUITY INDEX F | [VWO](https://holderbook.com/stocks/VWO/) | $270.8K | 4,536 | 0.1% | 14 |
| VANGUARD WORLD FD | [VDC](https://holderbook.com/stocks/VDC/) | $264.7K | 1,174 | 0.1% | 15 |
| META PLATFORMS INC | [META](https://holderbook.com/stocks/META/) | $249.0K | 442 | 0.1% | 8 |
| BROADCOM INC | [AVGO](https://holderbook.com/stocks/AVGO/) | $224.0K | 593 | 0.1% | 1 |
| WELLS FARGO & CO | [WFC](https://holderbook.com/stocks/WFC/) | $214.5K | 2,596 | 0.1% | 5 |
| ISHARES TR | [MUB](https://holderbook.com/stocks/MUB/) | $213.6K | 1,985 | 0.1% | 1 |
| AT&T INC | [T](https://holderbook.com/stocks/T/) | $212.7K | 10,273 | 0.1% | 13 |
| PROGRESS SOFTWARE CORP | [PRGS](https://holderbook.com/stocks/PRGS/) | $207.2K | 6,169 | 0.1% | 1 |
| KLA CORP | [KLAC](https://holderbook.com/stocks/KLAC/) | $205.2K | 680 | 0.1% | 1 |
| CVS HEALTH CORP | [CVS](https://holderbook.com/stocks/CVS/) | $203.7K | 1,969 | 0.1% | 1 |
| HYPERFINE INC | [HYPR](https://holderbook.com/stocks/HYPR/) | $57.2K | 42,398 | 0.0% | 6 |

## 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% | 100% |
| Q1 2026 | -1.9% | -4.6% | +2.7% | 100% |
| Q4 2025 | +2.3% | +2.4% | -0.1% | 99% |
| Q3 2025 | +4.4% | +7.8% | -3.5% | 100% |
| Q2 2025 | +5.0% | +10.5% | -5.4% | 100% |
| Q1 2025 | -0.3% | -4.6% | +4.3% | 98% |
| Q4 2024 | -2.1% | +2.1% | -4.3% | 100% |
| Q3 2024 | +4.7% | +5.4% | -0.8% | 100% |

## Quarter by quarter

| Quarter | Value | Positions |
|---|---|---|
| Q2 2026 | $353.9M | 87 |
| Q1 2026 | $314.5M | 85 |
| Q4 2025 | $313.6M | 90 |
| Q3 2025 | $290.5M | 85 |
| Q2 2025 | $268.6M | 82 |
| Q1 2025 | $248.2M | 81 |
| Q4 2024 | $15.4B | 313 |
| Q3 2024 | $243.8M | 83 |
| Q2 2024 | $227.3M | 71 |
| Q1 2024 | $199.7M | 65 |
| Q4 2023 | $198.1M | 64 |
| Q3 2023 | $180.5M | 60 |