# Partners in Financial Planning

> Institutional holdings reported to the SEC as of Q2 2026 on Form 13F. CIK 2054264. Source: https://holderbook.com/funds/2054264-partners-in-financial-planning/

- Reported value: $659.5M
- Positions: 131
- Weight of the ten largest: 68.6%
- Filed: 2026-08-10

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 BD INDEX FDS | [BND](https://holderbook.com/stocks/BND/) | $78.0M | 1,063,064 | 11.8% | 21 |
| VANGUARD INDEX FDS | [VUG](https://holderbook.com/stocks/VUG/) | $71.1M | 824,863 | 10.8% | 21 |
| VANGUARD INDEX FDS | [VTV](https://holderbook.com/stocks/VTV/) | $65.3M | 299,573 | 9.9% | 21 |
| VANGUARD CHARLOTTE FDS | [BNDX](https://holderbook.com/stocks/BNDX/) | $62.4M | 1,288,435 | 9.5% | 21 |
| VANGUARD TAX-MANAGED FDS | [VEA](https://holderbook.com/stocks/VEA/) | $55.0M | 771,756 | 8.3% | 21 |
| VANGUARD BD INDEX FDS | [BSV](https://holderbook.com/stocks/BSV/) | $38.1M | 488,983 | 5.8% | 21 |
| VANGUARD INDEX FDS | [VBK](https://holderbook.com/stocks/VBK/) | $24.2M | 66,268 | 3.7% | 21 |
| VANGUARD INDEX FDS | [VBR](https://holderbook.com/stocks/VBR/) | $24.2M | 99,603 | 3.7% | 21 |
| VANGUARD INTL EQUITY INDEX F | [VWO](https://holderbook.com/stocks/VWO/) | $18.1M | 302,899 | 2.7% | 21 |
| VANGUARD INTL EQUITY INDEX F | [VSS](https://holderbook.com/stocks/VSS/) | $16.2M | 105,235 | 2.5% | 21 |
| VANGUARD INDEX FDS | [VNQ](https://holderbook.com/stocks/VNQ/) | $15.6M | 161,235 | 2.4% | 21 |
| SPDR INDEX SHS FDS | [SPDW](https://holderbook.com/stocks/SPDW/) | $14.7M | 291,107 | 2.2% | 21 |
| VANGUARD MUN BD FDS | [VTEB](https://holderbook.com/stocks/VTEB/) | $13.3M | 262,359 | 2.0% | 18 |
| VANGUARD INDEX FDS | [VTI](https://holderbook.com/stocks/VTI/) | $13.2M | 35,649 | 2.0% | 21 |
| ISHARES TR | [SUB](https://holderbook.com/stocks/SUB/) | $11.7M | 110,184 | 1.8% | 17 |
| VANGUARD SCOTTSDALE FDS | [VCIT](https://holderbook.com/stocks/VCIT/) | $8.3M | 100,930 | 1.3% | 21 |
| VANGUARD INDEX FDS | [VOO](https://holderbook.com/stocks/VOO/) | $7.5M | 10,928 | 1.1% | 16 |
| ISHARES TR | [MUB](https://holderbook.com/stocks/MUB/) | $6.9M | 63,857 | 1.0% | 15 |
| SPDR SERIES TRUST | [SPYG](https://holderbook.com/stocks/SPYG/) | $4.9M | 41,432 | 0.7% | 21 |
| VANGUARD INDEX FDS | [VO](https://holderbook.com/stocks/VO/) | $4.5M | 56,442 | 0.7% | 21 |
| SPDR SERIES TRUST | [SPYV](https://holderbook.com/stocks/SPYV/) | $4.3M | 70,630 | 0.7% | 21 |
| ISHARES TR | [SCZ](https://holderbook.com/stocks/SCZ/) | $4.2M | 51,454 | 0.6% | 21 |
| VANGUARD INDEX FDS | [VXF](https://holderbook.com/stocks/VXF/) | $3.8M | 15,612 | 0.6% | 21 |
| SPDR INDEX SHS FDS | [SPEM](https://holderbook.com/stocks/SPEM/) | $3.7M | 71,590 | 0.6% | 21 |
| SPDR SERIES TRUST | [SLYV](https://holderbook.com/stocks/SLYV/) | $3.5M | 31,729 | 0.5% | 21 |
| VANGUARD WELLINGTON FD | [VFMF](https://holderbook.com/stocks/VFMF/) | $3.4M | 19,325 | 0.5% | 21 |
| ISHARES TR | [IAGG](https://holderbook.com/stocks/IAGG/) | $3.3M | 65,618 | 0.5% | 20 |
| VANGUARD INDEX FDS | [VV](https://holderbook.com/stocks/VV/) | $3.0M | 8,718 | 0.5% | 21 |
| NORFOLK SOUTHN CORP | [NSC](https://holderbook.com/stocks/NSC/) | $2.9M | 9,376 | 0.4% | 21 |
| SPDR SERIES TRUST | [SPAB](https://holderbook.com/stocks/SPAB/) | $2.7M | 106,260 | 0.4% | 17 |
| STATE STR SPDR S&P 500 ETF T | [SPY](https://holderbook.com/stocks/SPY/) | $2.3M | 3,026 | 0.3% | 17 |
| SPDR SERIES TRUST | [SLYG](https://holderbook.com/stocks/SLYG/) | $2.2M | 18,158 | 0.3% | 21 |
| VANGUARD INTL EQUITY INDEX F | [VEU](https://holderbook.com/stocks/VEU/) | $2.1M | 25,217 | 0.3% | 21 |
| VANGUARD INDEX FDS | [VB](https://holderbook.com/stocks/VB/) | $2.0M | 6,723 | 0.3% | 21 |
| EXXON MOBIL CORP | [XOMXXXX](https://holderbook.com/stocks/XOMXXXX/) | $1.7M | 12,623 | 0.3% | 21 |
| APPLE INC | [AAPL](https://holderbook.com/stocks/AAPL/) | $1.7M | 5,921 | 0.3% | 21 |
| ISHARES TR | [IWF](https://holderbook.com/stocks/IWF/) | $1.6M | 13,252 | 0.2% | 21 |
| SEAGATE TECHNOLOGY HLDNGS PL | [STX](https://holderbook.com/stocks/STX/) | $1.5M | 1,600 | 0.2% | 5 |
| STEEL DYNAMICS INC | [STLD](https://holderbook.com/stocks/STLD/) | $1.5M | 6,412 | 0.2% | 21 |
| VANGUARD STAR FDS | [VXUS](https://holderbook.com/stocks/VXUS/) | $1.5M | 17,158 | 0.2% | 21 |
| ISHARES TR | [LRGF](https://holderbook.com/stocks/LRGF/) | $1.4M | 18,948 | 0.2% | 21 |
| AMAZON COM INC | [AMZN](https://holderbook.com/stocks/AMZN/) | $1.4M | 5,675 | 0.2% | 21 |
| VANGUARD INTL EQUITY INDEX F | [VNQI](https://holderbook.com/stocks/VNQI/) | $1.3M | 29,335 | 0.2% | 21 |
| TESLA INC | [TSLA](https://holderbook.com/stocks/TSLA/) | $1.3M | 3,066 | 0.2% | 5 |
| DIMENSIONAL ETF TRUST | [DFAT](https://holderbook.com/stocks/DFAT/) | $1.3M | 18,138 | 0.2% | 21 |
| CHEVRON CORPORATION | [CVX](https://holderbook.com/stocks/CVX/) | $1.3M | 7,634 | 0.2% | 12 |
| VANGUARD BD INDEX FDS | [BIV](https://holderbook.com/stocks/BIV/) | $1.2M | 16,186 | 0.2% | 21 |
| FERGUSON ENTERPRISES INC | [FERG](https://holderbook.com/stocks/FERG/) | $1.2M | 5,033 | 0.2% | 15 |
| SPDR SERIES TRUST | [SPTS](https://holderbook.com/stocks/SPTS/) | $1.2M | 40,176 | 0.2% | 15 |
| GE VERNOVA INC | [GEV](https://holderbook.com/stocks/GEV/) | $1.2M | 985 | 0.2% | 9 |
| ISHARES TR | [IVV](https://holderbook.com/stocks/IVV/) | $1.1M | 1,417 | 0.2% | 21 |
| EDWARDS LIFESCIENCES CORP | [EW](https://holderbook.com/stocks/EW/) | $1.0M | 11,584 | 0.2% | 21 |
| ISHARES TR | [EFA](https://holderbook.com/stocks/EFA/) | $1.0M | 9,845 | 0.2% | 21 |
| GE AEROSPACE | [GE](https://holderbook.com/stocks/GE/) | $1.0M | 2,716 | 0.2% | 21 |
| ISHARES TR | [IWD](https://holderbook.com/stocks/IWD/) | $1.0M | 4,170 | 0.2% | 17 |
| MICROSOFT CORP | [MSFT](https://holderbook.com/stocks/MSFT/) | $978.3K | 2,623 | 0.1% | 21 |
| ALPHABET INC | [GOOG](https://holderbook.com/stocks/GOOG/) | $966.7K | 2,736 | 0.1% | 21 |
| TEXAS PACIFIC LAND CORPORATI | [TPL](https://holderbook.com/stocks/TPL/) | $937.4K | 2,142 | 0.1% | 21 |
| DIMENSIONAL ETF TRUST | [DFAX](https://holderbook.com/stocks/DFAX/) | $925.2K | 25,113 | 0.1% | 20 |
| DIMENSIONAL ETF TRUST | [DFNM](https://holderbook.com/stocks/DFNM/) | $923.8K | 19,112 | 0.1% | 2 |
| DIMENSIONAL ETF TRUST | [DFAC](https://holderbook.com/stocks/DFAC/) | $920.1K | 20,741 | 0.1% | 21 |
| CORNING INC | [GLW](https://holderbook.com/stocks/GLW/) | $919.8K | 3,601 | 0.1% | 4 |
| ISHARES TR | [IEFA](https://holderbook.com/stocks/IEFA/) | $895.0K | 9,267 | 0.1% | 17 |
| TRUIST FINL CORP | [TFC](https://holderbook.com/stocks/TFC/) | $851.7K | 17,096 | 0.1% | 21 |
| VANGUARD INSTL INDEX FD | [VBIL](https://holderbook.com/stocks/VBIL/) | $851.4K | 11,250 | 0.1% | 4 |
| ALPHABET INC | [GOOGL](https://holderbook.com/stocks/GOOGL/) | $839.5K | 2,349 | 0.1% | 21 |
| BERKSHIRE HATHAWAY INC DEL | [BRKB](https://holderbook.com/stocks/BRKB/) | $837.7K | 1,674 | 0.1% | 21 |
| NATIONAL BANKSHARES INC VA | [NKSH](https://holderbook.com/stocks/NKSH/) | $778.6K | 21,431 | 0.1% | 21 |
| CSX CORP | [CSX](https://holderbook.com/stocks/CSX/) | $751.7K | 15,816 | 0.1% | 21 |
| PHILIP MORRIS INTL INC | [PM](https://holderbook.com/stocks/PM/) | $735.6K | 4,066 | 0.1% | 21 |
| WALMART INC | [WMT](https://holderbook.com/stocks/WMT/) | $722.3K | 6,377 | 0.1% | 21 |
| DIMENSIONAL ETF TRUST | [DFAE](https://holderbook.com/stocks/DFAE/) | $719.3K | 17,889 | 0.1% | 5 |
| JOHNSON & JOHNSON | [JNJ](https://holderbook.com/stocks/JNJ/) | $677.3K | 2,667 | 0.1% | 21 |
| CVS HEALTH CORP | [CVS](https://holderbook.com/stocks/CVS/) | $609.1K | 5,888 | 0.1% | 21 |
| PROCTER & GAMBLE CO | [PG](https://holderbook.com/stocks/PG/) | $602.1K | 4,106 | 0.1% | 21 |
| ISHARES TR | [AGG](https://holderbook.com/stocks/AGG/) | $567.2K | 5,730 | 0.1% | 10 |
| DIMENSIONAL ETF TRUST | [DFSV](https://holderbook.com/stocks/DFSV/) | $559.1K | 14,413 | 0.1% | 5 |
| LOWES COS INC | [LOW](https://holderbook.com/stocks/LOW/) | $529.1K | 2,400 | 0.1% | 21 |
| INVESCO EXCHANGE TRADED FD T | [RSP](https://holderbook.com/stocks/RSP/) | $516.0K | 2,425 | 0.1% | 1 |
| CARDINAL HEALTH INC | [CAH](https://holderbook.com/stocks/CAH/) | $513.8K | 2,163 | 0.1% | 11 |
| UDR INC | [UDR](https://holderbook.com/stocks/UDR/) | $493.7K | 12,368 | 0.1% | 21 |
| ISHARES TR | [IVW](https://holderbook.com/stocks/IVW/) | $482.7K | 3,510 | 0.1% | 21 |
| ISHARES TR | [IWS](https://holderbook.com/stocks/IWS/) | $480.4K | 2,919 | 0.1% | 21 |
| DIMENSIONAL ETF TRUST | [DFIV](https://holderbook.com/stocks/DFIV/) | $476.4K | 8,819 | 0.1% | 20 |
| ISHARES TR | [IWP](https://holderbook.com/stocks/IWP/) | $469.3K | 3,205 | 0.1% | 21 |
| DIMENSIONAL ETF TRUST | [DFIS](https://holderbook.com/stocks/DFIS/) | $448.2K | 12,793 | 0.1% | 5 |
| ISHARES TR | [IJH](https://holderbook.com/stocks/IJH/) | $435.5K | 5,648 | 0.1% | 13 |
| SCHWAB STRATEGIC TR | [FNDX](https://holderbook.com/stocks/FNDX/) | $429.9K | 13,823 | 0.1% | 2 |
| ISHARES TR | [IJR](https://holderbook.com/stocks/IJR/) | $428.7K | 2,890 | 0.1% | 21 |
| BROADCOM INC | [AVGO](https://holderbook.com/stocks/AVGO/) | $423.5K | 1,121 | 0.1% | 8 |
| CARTER BANKSHARES INC | [CARE](https://holderbook.com/stocks/CARE/) | $418.3K | 12,299 | 0.1% | 21 |
| VANGUARD INDEX FDS | [VOT](https://holderbook.com/stocks/VOT/) | $403.3K | 1,317 | 0.1% | 21 |
| MCDONALDS CORP | [MCD](https://holderbook.com/stocks/MCD/) | $381.7K | 1,412 | 0.1% | 21 |
| VANGUARD MALVERN FDS | [VCRB](https://holderbook.com/stocks/VCRB/) | $379.3K | 4,911 | 0.1% | 3 |
| DANAHER CORP DEL | [DHR](https://holderbook.com/stocks/DHR/) | $372.4K | 1,954 | 0.1% | 21 |
| ISHARES TR | [EEM](https://holderbook.com/stocks/EEM/) | $356.0K | 5,204 | 0.1% | 21 |
| META PLATFORMS INC | [META](https://holderbook.com/stocks/META/) | $353.2K | 627 | 0.1% | 11 |
| ISHARES TR | [IQLT](https://holderbook.com/stocks/IQLT/) | $351.6K | 7,096 | 0.1% | 2 |
| DIMENSIONAL ETF TRUST | [DFAI](https://holderbook.com/stocks/DFAI/) | $338.0K | 8,193 | 0.1% | 2 |
| ABBVIE INC | [ABBV](https://holderbook.com/stocks/ABBV/) | $331.4K | 1,317 | 0.1% | 10 |

## 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 | +8.1% | +14.8% | -6.7% | 100% |
| Q1 2026 | -0.7% | -4.6% | +3.9% | 100% |
| Q4 2025 | +1.0% | +2.4% | -1.4% | 100% |
| Q3 2025 | +4.8% | +7.8% | -3.0% | 100% |
| Q2 2025 | +6.2% | +10.5% | -4.3% | 100% |
| Q1 2025 | -0.9% | -4.6% | +3.6% | 100% |
| Q4 2024 | -2.3% | +2.1% | -4.4% | 100% |
| Q3 2024 | +5.8% | +5.4% | +0.4% | 100% |

## Quarter by quarter

| Quarter | Value | Positions |
|---|---|---|
| Q2 2026 | $659.5M | 131 |
| Q1 2026 | $602.9M | 122 |
| Q4 2025 | $590.6M | 115 |
| Q3 2025 | $578.5M | 115 |
| Q2 2025 | $542.3M | 107 |
| Q1 2025 | $497.6M | 101 |
| Q4 2024 | $490.2M | 107 |
| Q3 2024 | $495.7M | 107 |
| Q2 2024 | $460.1M | 104 |
| Q1 2024 | $449.3M | 103 |
| Q4 2023 | $426.0M | 103 |
| Q3 2023 | $388.5M | 96 |