# Pearl Planning LLC

> Institutional holdings reported to the SEC as of Q2 2026 on Form 13F. CIK 2100519. Source: https://holderbook.com/funds/2100519-pearl-planning-llc/

- Reported value: $217.4M
- Positions: 58
- Weight of the ten largest: 72.4%
- Filed: 2026-07-21

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 INDEX FDS | [VOO](https://holderbook.com/stocks/VOO/) | $31.2M | 45,453 | 14.4% | 3 |
| AMERICAN CENTY ETF TR | [AVDE](https://holderbook.com/stocks/AVDE/) | $23.4M | 261,773 | 10.7% | 3 |
| J P MORGAN EXCHANGE TRADED F | [JPIE](https://holderbook.com/stocks/JPIE/) | $18.0M | 391,356 | 8.3% | 2 |
| FIDELITY MERRIMACK STR TR | [FBND](https://holderbook.com/stocks/FBND/) | $17.5M | 385,581 | 8.1% | 2 |
| VANGUARD INDEX FDS | [VTV](https://holderbook.com/stocks/VTV/) | $15.3M | 70,334 | 7.0% | 3 |
| VANGUARD INDEX FDS | [VO](https://holderbook.com/stocks/VO/) | $14.8M | 183,166 | 6.8% | 3 |
| EA SERIES TRUST | [FRDM](https://holderbook.com/stocks/FRDM/) | $12.3M | 169,045 | 5.7% | 3 |
| ISHARES TR | [DGRO](https://holderbook.com/stocks/DGRO/) | $8.6M | 113,556 | 4.0% | 3 |
| AMERICAN CENTY ETF TR | [AVUV](https://holderbook.com/stocks/AVUV/) | $8.3M | 66,705 | 3.8% | 3 |
| VANGUARD WORLD FD | [ESGV](https://holderbook.com/stocks/ESGV/) | $8.0M | 60,619 | 3.7% | 3 |
| INVESCO EXCH TRADED FD TR II | [QQQM](https://holderbook.com/stocks/QQQM/) | $6.8M | 22,592 | 3.1% | 3 |
| T ROWE PRICE EXCHANGE-TRADED | [TMSL](https://holderbook.com/stocks/TMSL/) | $5.4M | 122,457 | 2.5% | 3 |
| EA SERIES TRUST | [BOXX](https://holderbook.com/stocks/BOXX/) | $4.6M | 39,213 | 2.1% | 3 |
| INVESCO QQQ TR | [QQQ](https://holderbook.com/stocks/QQQ/) | $3.6M | 4,898 | 1.7% | 3 |
| VANGUARD BD INDEX FDS | [BSV](https://holderbook.com/stocks/BSV/) | $3.6M | 46,281 | 1.7% | 3 |
| VANGUARD WORLD FD | [VCEB](https://holderbook.com/stocks/VCEB/) | $3.5M | 55,415 | 1.6% | 3 |
| INVESCO EXCH TRADED FD TR II | [QQMG](https://holderbook.com/stocks/QQMG/) | $3.2M | 62,588 | 1.5% | 3 |
| SPDR SERIES TRUST | [BIL](https://holderbook.com/stocks/BIL/) | $3.0M | 32,596 | 1.4% | 3 |
| ISHARES TR | [ESML](https://holderbook.com/stocks/ESML/) | $2.6M | 46,809 | 1.2% | 3 |
| ISHARES TR | [MUB](https://holderbook.com/stocks/MUB/) | $1.8M | 17,146 | 0.8% | 3 |
| VANGUARD BD INDEX FDS | [BND](https://holderbook.com/stocks/BND/) | $1.7M | 23,389 | 0.8% | 3 |
| INVESCO EXCH TRADED FD TR II | [IDMO](https://holderbook.com/stocks/IDMO/) | $1.5M | 25,372 | 0.7% | 3 |
| ISHARES TR | [QUAL](https://holderbook.com/stocks/QUAL/) | $1.1M | 5,202 | 0.5% | 3 |
| VANGUARD BD INDEX FDS | [BIV](https://holderbook.com/stocks/BIV/) | $1.1M | 14,191 | 0.5% | 3 |
| VANGUARD INDEX FDS | [VB](https://holderbook.com/stocks/VB/) | $1.0M | 3,445 | 0.5% | 3 |
| ISHARES TR | [IVV](https://holderbook.com/stocks/IVV/) | $1.0M | 1,348 | 0.5% | 3 |
| VANGUARD TAX-MANAGED FDS | [VEA](https://holderbook.com/stocks/VEA/) | $878.4K | 12,329 | 0.4% | 3 |
| AMERICAN CENTY ETF TR | [AVSC](https://holderbook.com/stocks/AVSC/) | $829.1K | 11,305 | 0.4% | 3 |
| INVESCO EXCHANGE TRADED FD T | [XMHQ](https://holderbook.com/stocks/XMHQ/) | $779.7K | 6,907 | 0.4% | 3 |
| ISHARES TR | [AGG](https://holderbook.com/stocks/AGG/) | $738.3K | 7,459 | 0.3% | 3 |
| ISHARES TR | [IJH](https://holderbook.com/stocks/IJH/) | $726.6K | 9,423 | 0.3% | 3 |
| APPLE INC | [AAPL](https://holderbook.com/stocks/AAPL/) | $719.4K | 2,486 | 0.3% | 3 |
| INTERNATIONAL BUSINESS MACHS | [IBM](https://holderbook.com/stocks/IBM/) | $718.2K | 2,554 | 0.3% | 3 |
| ISHARES TR | [IWF](https://holderbook.com/stocks/IWF/) | $704.4K | 5,673 | 0.3% | 3 |
| ISHARES TR | [IEFA](https://holderbook.com/stocks/IEFA/) | $537.9K | 5,569 | 0.2% | 3 |
| ISHARES TR | [ILCV](https://holderbook.com/stocks/ILCV/) | $534.4K | 5,279 | 0.2% | 3 |
| ORACLE CORP | [ORCL](https://holderbook.com/stocks/ORCL/) | $437.2K | 2,983 | 0.2% | 3 |
| MICROSOFT CORP | [MSFT](https://holderbook.com/stocks/MSFT/) | $427.1K | 1,145 | 0.2% | 3 |
| SELECT SECTOR SPDR TR | [XLK](https://holderbook.com/stocks/XLK/) | $425.2K | 2,232 | 0.2% | 3 |
| TCW ETF TRUST | [VOTE](https://holderbook.com/stocks/VOTE/) | $419.8K | 4,761 | 0.2% | 3 |
| REPUBLIC SVCS INC | [RSG](https://holderbook.com/stocks/RSG/) | $397.0K | 1,863 | 0.2% | 3 |
| META PLATFORMS INC | [META](https://holderbook.com/stocks/META/) | $394.3K | 700 | 0.2% | 3 |
| NVIDIA CORPORATION | [NVDA](https://holderbook.com/stocks/NVDA/) | $377.0K | 1,884 | 0.2% | 3 |
| VANGUARD INDEX FDS | [VBR](https://holderbook.com/stocks/VBR/) | $360.4K | 1,483 | 0.2% | 3 |
| RBB FUND TRUST | [FEOE](https://holderbook.com/stocks/FEOE/) | $336.7K | 6,306 | 0.2% | 3 |
| ISHARES TR | [ISTB](https://holderbook.com/stocks/ISTB/) | $332.1K | 6,883 | 0.2% | 3 |
| ALPHABET INC | [GOOGL](https://holderbook.com/stocks/GOOGL/) | $303.1K | 848 | 0.1% | 3 |
| AMAZON COM INC | [AMZN](https://holderbook.com/stocks/AMZN/) | $300.6K | 1,261 | 0.1% | 3 |
| MICRON TECHNOLOGY INC | [MU](https://holderbook.com/stocks/MU/) | $300.2K | 260 | 0.1% | 1 |
| VANGUARD INDEX FDS | [VTI](https://holderbook.com/stocks/VTI/) | $296.1K | 800 | 0.1% | 3 |
| ISHARES TR | [ESGU](https://holderbook.com/stocks/ESGU/) | $283.5K | 1,732 | 0.1% | 3 |
| JPMORGAN CHASE & CO | [JPM](https://holderbook.com/stocks/JPM/) | $267.6K | 818 | 0.1% | 3 |
| ISHARES TR | [MTUM](https://holderbook.com/stocks/MTUM/) | $264.7K | 772 | 0.1% | 1 |
| BROADCOM INC | [AVGO](https://holderbook.com/stocks/AVGO/) | $261.1K | 691 | 0.1% | 3 |
| AMERICAN CENTY ETF TR | [AVSD](https://holderbook.com/stocks/AVSD/) | $238.5K | 2,986 | 0.1% | 1 |
| SPDR SERIES TRUST | [SHE](https://holderbook.com/stocks/SHE/) | $226.4K | 1,466 | 0.1% | 1 |
| ALPHABET INC | [GOOG](https://holderbook.com/stocks/GOOG/) | $225.8K | 639 | 0.1% | 1 |
| TEXAS INSTRS INC | [TXN](https://holderbook.com/stocks/TXN/) | $214.6K | 720 | 0.1% | 1 |

## 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 | +10.5% | +14.8% | -4.3% | 100% |
| Q1 2026 | -0.6% | -4.6% | +4.0% | 100% |

## Quarter by quarter

| Quarter | Value | Positions |
|---|---|---|
| Q2 2026 | $217.4M | 58 |
| Q1 2026 | $187.1M | 52 |
| Q4 2025 | $163.5M | 52 |