# Townsend Financial Planning, LLC

> Institutional holdings reported to the SEC as of Q2 2026 on Form 13F. CIK 2110688. Source: https://holderbook.com/funds/2110688-townsend-financial-planning-llc/

- Reported value: $114.7M
- Positions: 30
- Weight of the ten largest: 86.5%
- Filed: 2026-08-06

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/) | $29.9M | 39,864 | 26.0% | 3 |
| ISHARES TR | [IJH](https://holderbook.com/stocks/IJH/) | $13.2M | 171,071 | 11.5% | 3 |
| ISHARES TR | [AGG](https://holderbook.com/stocks/AGG/) | $13.1M | 132,713 | 11.5% | 3 |
| ISHARES TR | [IJR](https://holderbook.com/stocks/IJR/) | $8.2M | 55,330 | 7.2% | 3 |
| ISHARES TR | [IUSV](https://holderbook.com/stocks/IUSV/) | $7.3M | 66,032 | 6.3% | 3 |
| ISHARES TR | [ISTB](https://holderbook.com/stocks/ISTB/) | $6.8M | 140,081 | 5.9% | 3 |
| ISHARES TR | [LQD](https://holderbook.com/stocks/LQD/) | $6.2M | 56,686 | 5.4% | 3 |
| ISHARES TR | [IXUS](https://holderbook.com/stocks/IXUS/) | $5.7M | 60,239 | 5.0% | 3 |
| FIDELITY COVINGTON TRUST | [FREL](https://holderbook.com/stocks/FREL/) | $5.0M | 171,682 | 4.4% | 3 |
| ISHARES TR | [SLQD](https://holderbook.com/stocks/SLQD/) | $3.8M | 75,379 | 3.3% | 3 |
| FIDELITY COVINGTON TRUST | [FENI](https://holderbook.com/stocks/FENI/) | $2.2M | 54,973 | 1.9% | 2 |
| ISHARES TR | [TIP](https://holderbook.com/stocks/TIP/) | $2.1M | 19,472 | 1.9% | 3 |
| FIDELITY COVINGTON TRUST | [FMDE](https://holderbook.com/stocks/FMDE/) | $1.3M | 30,871 | 1.1% | 3 |
| VANGUARD WORLD FD | [ESGV](https://holderbook.com/stocks/ESGV/) | $1.2M | 9,231 | 1.1% | 3 |
| FIDELITY COVINGTON TRUST | [FDHY](https://holderbook.com/stocks/FDHY/) | $999.0K | 20,375 | 0.9% | 2 |
| FIDELITY COVINGTON TRUST | [FESM](https://holderbook.com/stocks/FESM/) | $915.9K | 18,966 | 0.8% | 2 |
| ISHARES TR | [STIP](https://holderbook.com/stocks/STIP/) | $841.6K | 8,238 | 0.7% | 3 |
| APPLE INC | [AAPL](https://holderbook.com/stocks/AAPL/) | $820.0K | 2,834 | 0.7% | 3 |
| NUSHARES ETF TR | [NUBD](https://holderbook.com/stocks/NUBD/) | $646.7K | 29,214 | 0.6% | 3 |
| ISHARES GOLD TRUST MICRO | [IAUM](https://holderbook.com/stocks/IAUM/) | $599.1K | 14,975 | 0.5% | 3 |
| ISHARES TR | [SUSB](https://holderbook.com/stocks/SUSB/) | $593.6K | 23,755 | 0.5% | 3 |
| ISHARES TR | [ITOT](https://holderbook.com/stocks/ITOT/) | $525.2K | 3,197 | 0.5% | 3 |
| VANGUARD BD INDEX FDS | [BSV](https://holderbook.com/stocks/BSV/) | $520.9K | 6,686 | 0.5% | 3 |
| VANGUARD WORLD FD | [VCEB](https://holderbook.com/stocks/VCEB/) | $465.9K | 7,424 | 0.4% | 3 |
| VANGUARD BD INDEX FDS | [BIV](https://holderbook.com/stocks/BIV/) | $450.1K | 5,868 | 0.4% | 3 |
| ISHARES TR | [IJJ](https://holderbook.com/stocks/IJJ/) | $337.7K | 2,286 | 0.3% | 3 |
| VANGUARD WORLD FD | [VSGX](https://holderbook.com/stocks/VSGX/) | $326.1K | 3,960 | 0.3% | 3 |
| ISHARES TR | [EAGG](https://holderbook.com/stocks/EAGG/) | $241.9K | 5,102 | 0.2% | 3 |
| JANUS DETROIT STR TR | [JAAA](https://holderbook.com/stocks/JAAA/) | $223.0K | 4,416 | 0.2% | 1 |
| VANGUARD INDEX FDS | [VNQ](https://holderbook.com/stocks/VNQ/) | $222.9K | 2,312 | 0.2% | 3 |

## 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 | +8.7% | +14.8% | -6.1% | 100% |
| Q1 2026 | -0.9% | -4.6% | +3.7% | 100% |

## Quarter by quarter

| Quarter | Value | Positions |
|---|---|---|
| Q2 2026 | $114.7M | 30 |
| Q1 2026 | $103.3M | 29 |
| Q4 2025 | $99.9M | 26 |