# Financial Plan, Inc.

> Institutional holdings reported to the SEC as of Q2 2026 on Form 13F. CIK 2107584. Source: https://holderbook.com/funds/2107584-financial-plan-inc/

- Reported value: $1.1B
- Positions: 95
- Weight of the ten largest: 72.6%
- Filed: 2026-08-14

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 |
|---|---|---|---|---|---|
| AMERICAN CENTY ETF TR | [AVUS](https://holderbook.com/stocks/AVUS/) | $182.9M | 1,428,195 | 17.4% | 3 |
| DIMENSIONAL ETF TRUST | [DFAC](https://holderbook.com/stocks/DFAC/) | $164.3M | 3,704,312 | 15.6% | 3 |
| AMERICAN CENTY ETF TR | [AVDE](https://holderbook.com/stocks/AVDE/) | $107.8M | 1,209,058 | 10.2% | 3 |
| DIMENSIONAL ETF TRUST | [DFIC](https://holderbook.com/stocks/DFIC/) | $60.2M | 1,614,612 | 5.7% | 3 |
| DIMENSIONAL ETF TRUST | [DFSD](https://holderbook.com/stocks/DFSD/) | $49.6M | 1,038,034 | 4.7% | 3 |
| AMERICAN CENTY ETF TR | [AVEM](https://holderbook.com/stocks/AVEM/) | $49.3M | 511,267 | 4.7% | 3 |
| AMERICAN CENTY ETF TR | [AVSF](https://holderbook.com/stocks/AVSF/) | $43.2M | 926,710 | 4.1% | 3 |
| VANGUARD MALVERN FDS | [VTIP](https://holderbook.com/stocks/VTIP/) | $39.0M | 776,767 | 3.7% | 3 |
| AMERICAN CENTY ETF TR | [AVRE](https://holderbook.com/stocks/AVRE/) | $37.8M | 797,049 | 3.6% | 3 |
| DIMENSIONAL ETF TRUST | [DFEM](https://holderbook.com/stocks/DFEM/) | $31.0M | 763,903 | 2.9% | 3 |
| SPDR SERIES TRUST | [SPMB](https://holderbook.com/stocks/SPMB/) | $30.2M | 1,354,741 | 2.9% | 3 |
| DIMENSIONAL ETF TRUST | [DUSB](https://holderbook.com/stocks/DUSB/) | $29.8M | 587,139 | 2.8% | 3 |
| DIMENSIONAL ETF TRUST | [DFGR](https://holderbook.com/stocks/DFGR/) | $29.1M | 1,006,202 | 2.8% | 3 |
| DIMENSIONAL ETF TRUST | [DFAX](https://holderbook.com/stocks/DFAX/) | $26.5M | 718,310 | 2.5% | 3 |
| DIMENSIONAL ETF TRUST | [DFCF](https://holderbook.com/stocks/DFCF/) | $24.4M | 576,998 | 2.3% | 3 |
| ISHARES TR | [STIP](https://holderbook.com/stocks/STIP/) | $10.7M | 104,859 | 1.0% | 3 |
| DIMENSIONAL ETF TRUST | [DFIP](https://holderbook.com/stocks/DFIP/) | $9.5M | 231,318 | 0.9% | 3 |
| VANGUARD SCOTTSDALE FDS | [VCSH](https://holderbook.com/stocks/VCSH/) | $7.9M | 99,573 | 0.7% | 3 |
| AMERICAN CENTY ETF TR | [AVIG](https://holderbook.com/stocks/AVIG/) | $7.1M | 172,083 | 0.7% | 3 |
| VANGUARD SCOTTSDALE FDS | [VGSH](https://holderbook.com/stocks/VGSH/) | $6.6M | 113,466 | 0.6% | 3 |
| APPLE INC | [AAPL](https://holderbook.com/stocks/AAPL/) | $6.1M | 21,053 | 0.6% | 3 |
| AMERICAN CENTY ETF TR | [AVUV](https://holderbook.com/stocks/AVUV/) | $6.1M | 48,709 | 0.6% | 3 |
| CATERPILLAR INC | [CAT](https://holderbook.com/stocks/CAT/) | $5.9M | 5,511 | 0.6% | 3 |
| VANGUARD BD INDEX FDS | [BSV](https://holderbook.com/stocks/BSV/) | $5.6M | 71,969 | 0.5% | 3 |
| ISHARES TR | [SHV](https://holderbook.com/stocks/SHV/) | $5.1M | 46,426 | 0.5% | 3 |
| VANGUARD SCOTTSDALE FDS | [VMBS](https://holderbook.com/stocks/VMBS/) | $4.9M | 103,640 | 0.5% | 2 |
| MICROSOFT CORP | [MSFT](https://holderbook.com/stocks/MSFT/) | $4.6M | 12,363 | 0.4% | 3 |
| ISHARES TR | [SUB](https://holderbook.com/stocks/SUB/) | $4.5M | 42,464 | 0.4% | 3 |
| SPDR SERIES TRUST | [SPSB](https://holderbook.com/stocks/SPSB/) | $3.9M | 130,057 | 0.4% | 3 |
| VANGUARD INTL EQUITY INDEX F | [VT](https://holderbook.com/stocks/VT/) | $3.6M | 22,679 | 0.3% | 3 |
| DIMENSIONAL ETF TRUST | [DFAI](https://holderbook.com/stocks/DFAI/) | $3.5M | 85,267 | 0.3% | 3 |
| SPDR GOLD TR | [GLD](https://holderbook.com/stocks/GLD/) | $3.4M | 9,258 | 0.3% | 3 |
| VANGUARD MUN BD FDS | [VTEB](https://holderbook.com/stocks/VTEB/) | $2.7M | 53,422 | 0.3% | 3 |
| VANGUARD INDEX FDS | [VTI](https://holderbook.com/stocks/VTI/) | $2.5M | 6,734 | 0.2% | 3 |
| ISHARES TR | [REET](https://holderbook.com/stocks/REET/) | $2.5M | 88,787 | 0.2% | 3 |
| ISHARES SILVER TR | [SLV](https://holderbook.com/stocks/SLV/) | $2.1M | 40,008 | 0.2% | 3 |
| AMERICAN CENTY ETF TR | [AVDV](https://holderbook.com/stocks/AVDV/) | $2.0M | 18,949 | 0.2% | 3 |
| BANK OF NY MELLON CORP | [BNY](https://holderbook.com/stocks/BNY/) | $1.8M | 12,107 | 0.2% | 3 |
| DIMENSIONAL ETF TRUST | [DFAU](https://holderbook.com/stocks/DFAU/) | $1.6M | 31,772 | 0.2% | 3 |
| BERKSHIRE HATHAWAY INC DEL | [BRKA](https://holderbook.com/stocks/BRKA/) | $1.5M | 2 | 0.1% | 3 |
| TESLA INC | [TSLA](https://holderbook.com/stocks/TSLA/) | $1.5M | 3,488 | 0.1% | 3 |
| AMERICAN CENTY ETF TR | [AVGE](https://holderbook.com/stocks/AVGE/) | $1.4M | 14,323 | 0.1% | 3 |
| COSTCO WHOLESALE CORPORATION | [COST](https://holderbook.com/stocks/COST/) | $1.4M | 1,457 | 0.1% | 3 |
| NVIDIA CORPORATION | [NVDA](https://holderbook.com/stocks/NVDA/) | $1.3M | 6,725 | 0.1% | 3 |
| DIMENSIONAL ETF TRUST | [DFSU](https://holderbook.com/stocks/DFSU/) | $1.3M | 27,901 | 0.1% | 3 |
| ISHARES TR | [IWF](https://holderbook.com/stocks/IWF/) | $1.3M | 10,360 | 0.1% | 3 |
| AMERICAN CENTY ETF TR | [AVSU](https://holderbook.com/stocks/AVSU/) | $1.3M | 14,249 | 0.1% | 3 |
| DIMENSIONAL ETF TRUST | [DFUS](https://holderbook.com/stocks/DFUS/) | $1.3M | 15,393 | 0.1% | 3 |
| SPDR SERIES TRUST | [SPTM](https://holderbook.com/stocks/SPTM/) | $1.3M | 13,842 | 0.1% | 3 |
| DIMENSIONAL ETF TRUST | [DFNM](https://holderbook.com/stocks/DFNM/) | $1.2M | 24,574 | 0.1% | 3 |
| DIMENSIONAL ETF TRUST | [DFSV](https://holderbook.com/stocks/DFSV/) | $1.1M | 28,878 | 0.1% | 3 |
| CORNING INC | [GLW](https://holderbook.com/stocks/GLW/) | $1.0M | 4,003 | 0.1% | 3 |
| DIMENSIONAL ETF TRUST | [DXUV](https://holderbook.com/stocks/DXUV/) | $910.5K | 13,692 | 0.1% | 3 |
| BOEING CO | [BA](https://holderbook.com/stocks/BA/) | $806.6K | 3,726 | 0.1% | 3 |
| SPDR SERIES TRUST | [SPAB](https://holderbook.com/stocks/SPAB/) | $772.9K | 30,285 | 0.1% | 3 |
| ALPHABET INC | [GOOG](https://holderbook.com/stocks/GOOG/) | $731.0K | 2,069 | 0.1% | 3 |
| AMERICAN CENTY ETF TR | [AVSD](https://holderbook.com/stocks/AVSD/) | $715.1K | 8,952 | 0.1% | 3 |
| MATRIX SVC CO | [MTRX](https://holderbook.com/stocks/MTRX/) | $652.3K | 47,615 | 0.1% | 3 |
| TRIMBLE INC | [TRMB](https://holderbook.com/stocks/TRMB/) | $639.8K | 12,500 | 0.1% | 3 |
| BROADCOM INC | [AVGO](https://holderbook.com/stocks/AVGO/) | $595.7K | 1,577 | 0.1% | 3 |
| DIMENSIONAL ETF TRUST | [DFSI](https://holderbook.com/stocks/DFSI/) | $582.9K | 12,925 | 0.1% | 3 |
| AMERICAN CENTY ETF TR | [AVMU](https://holderbook.com/stocks/AVMU/) | $546.4K | 11,730 | 0.1% | 3 |
| AMAZON COM INC | [AMZN](https://holderbook.com/stocks/AMZN/) | $531.7K | 2,231 | 0.1% | 3 |
| AMERICAN CENTY ETF TR | [AVLV](https://holderbook.com/stocks/AVLV/) | $514.7K | 5,643 | 0.0% | 3 |
| VANGUARD INDEX FDS | [VOO](https://holderbook.com/stocks/VOO/) | $513.0K | 747 | 0.0% | 3 |
| VANGUARD WORLD FD | [VGT](https://holderbook.com/stocks/VGT/) | $504.9K | 4,224 | 0.0% | 3 |
| VANGUARD INDEX FDS | [VO](https://holderbook.com/stocks/VO/) | $471.8K | 5,856 | 0.0% | 2 |
| TRI CONTL CORP | [TY](https://holderbook.com/stocks/TY/) | $450.6K | 13,091 | 0.0% | 3 |
| JOHNSON & JOHNSON | [JNJ](https://holderbook.com/stocks/JNJ/) | $439.7K | 1,731 | 0.0% | 3 |
| ISHARES TR | [MBB](https://holderbook.com/stocks/MBB/) | $439.4K | 4,649 | 0.0% | 3 |
| ISHARES U S ETF TR | [MEAR](https://holderbook.com/stocks/MEAR/) | $392.8K | 7,797 | 0.0% | 3 |
| ISHARES TR | [IVV](https://holderbook.com/stocks/IVV/) | $387.9K | 518 | 0.0% | 3 |
| VANGUARD WELLINGTON FD | [VTES](https://holderbook.com/stocks/VTES/) | $382.7K | 3,778 | 0.0% | 3 |
| ISHARES TR | [IEFA](https://holderbook.com/stocks/IEFA/) | $373.9K | 3,872 | 0.0% | 2 |
| DIMENSIONAL ETF TRUST | [DFSB](https://holderbook.com/stocks/DFSB/) | $359.7K | 6,902 | 0.0% | 3 |
| SPDR INDEX SHS FDS | [SPDW](https://holderbook.com/stocks/SPDW/) | $355.1K | 7,047 | 0.0% | 3 |
| ABBVIE INC | [ABBV](https://holderbook.com/stocks/ABBV/) | $343.2K | 1,364 | 0.0% | 3 |
| SPDR INDEX SHS FDS | [SPEM](https://holderbook.com/stocks/SPEM/) | $338.5K | 6,537 | 0.0% | 3 |
| ALPHABET INC | [GOOGL](https://holderbook.com/stocks/GOOGL/) | $327.7K | 917 | 0.0% | 1 |
| VANGUARD BD INDEX FDS | [VUSB](https://holderbook.com/stocks/VUSB/) | $323.9K | 6,508 | 0.0% | 1 |
| ABBOTT LABORATORIES | [ABT](https://holderbook.com/stocks/ABT/) | $323.9K | 3,570 | 0.0% | 3 |
| QUALCOMM INC | [QCOM](https://holderbook.com/stocks/QCOM/) | $321.9K | 1,742 | 0.0% | 1 |
| ISHARES TR | [SUSB](https://holderbook.com/stocks/SUSB/) | $307.5K | 12,305 | 0.0% | 3 |
| DIMENSIONAL ETF TRUST | [DFSE](https://holderbook.com/stocks/DFSE/) | $286.1K | 5,853 | 0.0% | 2 |
| CISCO SYS INC | [CSCO](https://holderbook.com/stocks/CSCO/) | $285.4K | 2,430 | 0.0% | 1 |
| EXXON MOBIL CORP | [XOMXXXX](https://holderbook.com/stocks/XOMXXXX/) | $270.3K | 1,977 | 0.0% | 3 |
| BANK OF AMER CORP | [BACPRL](https://holderbook.com/stocks/BACPRL/) | $267.2K | 213 | 0.0% | 3 |
| US BANCORP | [USB](https://holderbook.com/stocks/USB/) | $261.9K | 4,336 | 0.0% | 3 |
| AMERICAN CENTY ETF TR | [AVSE](https://holderbook.com/stocks/AVSE/) | $259.1K | 3,166 | 0.0% | 3 |
| ISHARES TR | [IWB](https://holderbook.com/stocks/IWB/) | $214.2K | 523 | 0.0% | 1 |
| MORGAN STANLEY | [MS](https://holderbook.com/stocks/MS/) | $207.4K | 992 | 0.0% | 1 |
| CHEVRON CORPORATION | [CVX](https://holderbook.com/stocks/CVX/) | $203.6K | 1,228 | 0.0% | 2 |
| VANGUARD INDEX FDS | [VB](https://holderbook.com/stocks/VB/) | $202.8K | 669 | 0.0% | 1 |
| GAMCO GLOBAL GOLD NAT RES & | [GGN](https://holderbook.com/stocks/GGN/) | $121.1K | 25,027 | 0.0% | 3 |
| CALLAN JMB INC | [CJMB](https://holderbook.com/stocks/CJMB/) | $10.9K | 13,500 | 0.0% | 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 | +8.2% | +14.8% | -6.6% | 100% |
| Q1 2026 | +0.5% | -4.6% | +5.1% | 100% |

## Quarter by quarter

| Quarter | Value | Positions |
|---|---|---|
| Q2 2026 | $1.1B | 95 |
| Q1 2026 | $932.9M | 94 |
| Q4 2025 | $871.1M | 94 |