# PLANNING DIRECTIONS INC

> Institutional holdings reported to the SEC as of Q2 2026 on Form 13F. CIK 821103. Source: https://holderbook.com/funds/821103-planning-directions-inc/

- Reported value: $215.9M
- Positions: 110
- Weight of the ten largest: 56.3%
- 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 |
|---|---|---|---|---|---|
| ISHARES TR | [IVE](https://holderbook.com/stocks/IVE/) | $26.2M | 115,172 | 12.1% | 2 |
| VANGUARD SPECIALIZED FUNDS | [VIG](https://holderbook.com/stocks/VIG/) | $16.1M | 67,945 | 7.4% | 25 |
| J P MORGAN EXCHANGE TRADED F | [JPIE](https://holderbook.com/stocks/JPIE/) | $15.4M | 334,845 | 7.1% | 2 |
| SCHWAB STRATEGIC TR | [SCHD](https://holderbook.com/stocks/SCHD/) | $14.6M | 459,308 | 6.7% | 25 |
| VICTORY PORTFOLIOS II | [UITB](https://holderbook.com/stocks/UITB/) | $14.2M | 303,886 | 6.6% | 9 |
| APPLE INC | [AAPL](https://holderbook.com/stocks/AAPL/) | $9.8M | 33,856 | 4.5% | 31 |
| VANGUARD WORLD FD | [MGV](https://holderbook.com/stocks/MGV/) | $6.8M | 41,638 | 3.2% | 25 |
| VANGUARD INDEX FDS | [VOT](https://holderbook.com/stocks/VOT/) | $6.8M | 22,040 | 3.1% | 25 |
| VANGUARD INTL EQUITY INDEX F | [VT](https://holderbook.com/stocks/VT/) | $6.0M | 38,436 | 2.8% | 20 |
| ISHARES TR | [IJR](https://holderbook.com/stocks/IJR/) | $5.7M | 38,614 | 2.7% | 25 |
| FIDELITY MERRIMACK STR TR | [FLDR](https://holderbook.com/stocks/FLDR/) | $5.5M | 110,473 | 2.6% | 11 |
| VANGUARD INDEX FDS | [VUG](https://holderbook.com/stocks/VUG/) | $5.2M | 60,338 | 2.4% | 25 |
| ISHARES TR | [ISTB](https://holderbook.com/stocks/ISTB/) | $5.1M | 105,786 | 2.4% | 2 |
| VANGUARD BD INDEX FDS | [BSV](https://holderbook.com/stocks/BSV/) | $4.8M | 61,633 | 2.2% | 25 |
| J P MORGAN EXCHANGE TRADED F | [JEPI](https://holderbook.com/stocks/JEPI/) | $3.9M | 69,044 | 1.8% | 11 |
| VANGUARD SCOTTSDALE FDS | [VCSH](https://holderbook.com/stocks/VCSH/) | $3.8M | 48,059 | 1.8% | 25 |
| J P MORGAN EXCHANGE TRADED F | [JEPQ](https://holderbook.com/stocks/JEPQ/) | $3.4M | 55,104 | 1.6% | 10 |
| SPDR SERIES TRUST | [SDY](https://holderbook.com/stocks/SDY/) | $2.8M | 18,714 | 1.3% | 31 |
| ISHARES TR | [IUSG](https://holderbook.com/stocks/IUSG/) | $2.7M | 14,559 | 1.3% | 25 |
| ISHARES U S ETF TR | [NEAR](https://holderbook.com/stocks/NEAR/) | $2.4M | 46,706 | 1.1% | 4 |
| APPLIED MATLS INC | [AMAT](https://holderbook.com/stocks/AMAT/) | $2.4M | 3,259 | 1.1% | 11 |
| NVIDIA CORPORATION | [NVDA](https://holderbook.com/stocks/NVDA/) | $2.1M | 10,565 | 1.0% | 14 |
| VANGUARD INDEX FDS | [VTV](https://holderbook.com/stocks/VTV/) | $2.1M | 9,457 | 1.0% | 21 |
| VANGUARD INDEX FDS | [VO](https://holderbook.com/stocks/VO/) | $1.8M | 21,966 | 0.8% | 25 |
| J P MORGAN EXCHANGE TRADED F | [JIRE](https://holderbook.com/stocks/JIRE/) | $1.6M | 19,116 | 0.7% | 5 |
| ISHARES TR | [SHYG](https://holderbook.com/stocks/SHYG/) | $1.5M | 35,255 | 0.7% | 6 |
| VANGUARD INDEX FDS | [VBR](https://holderbook.com/stocks/VBR/) | $1.5M | 5,999 | 0.7% | 25 |
| ISHARES INC | [ACWV](https://holderbook.com/stocks/ACWV/) | $1.4M | 11,278 | 0.6% | 25 |
| VANGUARD INDEX FDS | [VOE](https://holderbook.com/stocks/VOE/) | $1.3M | 6,635 | 0.6% | 25 |
| AMAZON COM INC | [AMZN](https://holderbook.com/stocks/AMZN/) | $1.3M | 5,477 | 0.6% | 26 |
| SELECT SECTOR SPDR TR | [XLP](https://holderbook.com/stocks/XLP/) | $1.2M | 14,704 | 0.6% | 25 |
| MICROSOFT CORP | [MSFT](https://holderbook.com/stocks/MSFT/) | $1.2M | 3,232 | 0.6% | 31 |
| VANGUARD INDEX FDS | [VOO](https://holderbook.com/stocks/VOO/) | $1.2M | 1,683 | 0.5% | 25 |
| COHERENT CORP | [COHR](https://holderbook.com/stocks/COHR/) | $1.1M | 2,900 | 0.5% | 3 |
| ISHARES TR | [IYJ](https://holderbook.com/stocks/IYJ/) | $1.1M | 6,548 | 0.5% | 25 |
| SPDR SERIES TRUST | [XAR](https://holderbook.com/stocks/XAR/) | $1.1M | 3,706 | 0.5% | 25 |
| DELL TECHNOLOGIES INC | [DELL](https://holderbook.com/stocks/DELL/) | $1.0M | 2,405 | 0.5% | 5 |
| J P MORGAN EXCHANGE TRADED F | [JMUB](https://holderbook.com/stocks/JMUB/) | $1.0M | 20,250 | 0.5% | 8 |
| VANGUARD WORLD FD | [VGT](https://holderbook.com/stocks/VGT/) | $861.5K | 7,208 | 0.4% | 3 |
| ISHARES TR | [ITA](https://holderbook.com/stocks/ITA/) | $811.5K | 3,347 | 0.4% | 4 |
| VANGUARD INDEX FDS | [VB](https://holderbook.com/stocks/VB/) | $785.4K | 2,591 | 0.4% | 31 |
| VANGUARD WORLD FD | [VHT](https://holderbook.com/stocks/VHT/) | $782.9K | 2,618 | 0.4% | 25 |
| VANGUARD SCOTTSDALE FDS | [VCIT](https://holderbook.com/stocks/VCIT/) | $734.0K | 8,881 | 0.3% | 8 |
| PALO ALTO NETWORKS INC | [PANW](https://holderbook.com/stocks/PANW/) | $733.2K | 2,150 | 0.3% | 20 |
| VANGUARD WHITEHALL FDS | [VIGI](https://holderbook.com/stocks/VIGI/) | $725.1K | 7,765 | 0.3% | 5 |
| ISHARES TR | [IWD](https://holderbook.com/stocks/IWD/) | $710.2K | 2,930 | 0.3% | 2 |
| WALMART INC | [WMT](https://holderbook.com/stocks/WMT/) | $670.2K | 5,917 | 0.3% | 21 |
| VANGUARD MUN BD FDS | [VTEB](https://holderbook.com/stocks/VTEB/) | $644.7K | 12,746 | 0.3% | 8 |
| ALPHABET INC | [GOOGL](https://holderbook.com/stocks/GOOGL/) | $609.7K | 1,706 | 0.3% | 12 |
| SELECT SECTOR SPDR TR | [XLU](https://holderbook.com/stocks/XLU/) | $595.3K | 13,130 | 0.3% | 17 |
| EXXON MOBIL CORP | [XOMXXXX](https://holderbook.com/stocks/XOMXXXX/) | $573.9K | 4,198 | 0.3% | 31 |
| ISHARES TR | [IYH](https://holderbook.com/stocks/IYH/) | $559.4K | 8,348 | 0.3% | 25 |
| CONSTELLATION ENERGY CORP | [CEG](https://holderbook.com/stocks/CEG/) | $522.4K | 2,103 | 0.2% | 10 |
| VANGUARD INTL EQUITY INDEX F | [VWO](https://holderbook.com/stocks/VWO/) | $517.7K | 8,673 | 0.2% | 6 |
| COINBASE GLOBAL INC | [COIN](https://holderbook.com/stocks/COIN/) | $515.8K | 3,528 | 0.2% | 8 |
| INVESCO EXCHANGE TRADED FD T | [RSPS](https://holderbook.com/stocks/RSPS/) | $515.3K | 17,188 | 0.2% | 25 |
| CATERPILLAR INC | [CAT](https://holderbook.com/stocks/CAT/) | $503.1K | 472 | 0.2% | 4 |
| WSFS FINL CORP | [WSFS](https://holderbook.com/stocks/WSFS/) | $502.1K | 6,544 | 0.2% | 5 |
| VANGUARD INDEX FDS | [VBK](https://holderbook.com/stocks/VBK/) | $490.5K | 1,341 | 0.2% | 25 |
| VANGUARD STAR FDS | [VXUS](https://holderbook.com/stocks/VXUS/) | $469.2K | 5,488 | 0.2% | 7 |
| STATE STR SPDR S&P 500 ETF T | [SPY](https://holderbook.com/stocks/SPY/) | $467.9K | 627 | 0.2% | 17 |
| ISHARES TR | [IWS](https://holderbook.com/stocks/IWS/) | $459.4K | 2,791 | 0.2% | 6 |
| DEERE & CO | [DE](https://holderbook.com/stocks/DE/) | $455.5K | 718 | 0.2% | 15 |
| ISHARES TR | [IYW](https://holderbook.com/stocks/IYW/) | $450.5K | 1,786 | 0.2% | 10 |
| VANGUARD WORLD FD | [MGK](https://holderbook.com/stocks/MGK/) | $444.8K | 5,060 | 0.2% | 25 |
| SCHWAB STRATEGIC TR | [SCHA](https://holderbook.com/stocks/SCHA/) | $434.0K | 12,011 | 0.2% | 25 |
| ASTERA LABS INC | [ALAB](https://holderbook.com/stocks/ALAB/) | $422.6K | 875 | 0.2% | 1 |
| GLOBAL X FDS | [PAVE](https://holderbook.com/stocks/PAVE/) | $412.0K | 6,992 | 0.2% | 21 |
| ISHARES TR | [IYC](https://holderbook.com/stocks/IYC/) | $403.1K | 3,987 | 0.2% | 31 |
| ISHARES TR | [USMV](https://holderbook.com/stocks/USMV/) | $391.0K | 4,053 | 0.2% | 31 |
| VANGUARD BD INDEX FDS | [VUSB](https://holderbook.com/stocks/VUSB/) | $383.9K | 7,713 | 0.2% | 15 |
| MCDONALDS CORP | [MCD](https://holderbook.com/stocks/MCD/) | $375.5K | 1,389 | 0.2% | 25 |
| BERKSHIRE HATHAWAY INC DEL | [BRKB](https://holderbook.com/stocks/BRKB/) | $372.3K | 744 | 0.2% | 13 |
| J P MORGAN EXCHANGE TRADED F | [JPLD](https://holderbook.com/stocks/JPLD/) | $358.6K | 6,871 | 0.2% | 3 |
| FIDELITY COVINGTON TRUST | [FDVV](https://holderbook.com/stocks/FDVV/) | $353.1K | 5,857 | 0.2% | 4 |
| INVESCO EXCHANGE TRADED FD T | [PPA](https://holderbook.com/stocks/PPA/) | $344.9K | 1,952 | 0.2% | 2 |
| VICTORY PORTFOLIOS II | [USTB](https://holderbook.com/stocks/USTB/) | $342.6K | 6,768 | 0.2% | 3 |
| VANGUARD WHITEHALL FDS | [VYM](https://holderbook.com/stocks/VYM/) | $337.7K | 2,137 | 0.2% | 10 |
| LAM RESEARCH CORP | [LRCX](https://holderbook.com/stocks/LRCX/) | $335.9K | 775 | 0.2% | 1 |
| ROUNDHILL ETF TRUST | [XPAY](https://holderbook.com/stocks/XPAY/) | $324.8K | 6,077 | 0.2% | 3 |
| MARVELL TECHNOLOGY INC | [MRVL](https://holderbook.com/stocks/MRVL/) | $321.7K | 1,080 | 0.1% | 1 |
| VANGUARD BD INDEX FDS | [BIV](https://holderbook.com/stocks/BIV/) | $299.8K | 3,909 | 0.1% | 4 |
| HOME DEPOT INC | [HD](https://holderbook.com/stocks/HD/) | $297.9K | 845 | 0.1% | 25 |
| NEXTERA ENERGY INC | [NEE](https://holderbook.com/stocks/NEE/) | $297.0K | 3,384 | 0.1% | 8 |
| ISHARES TR | [ITOT](https://holderbook.com/stocks/ITOT/) | $295.8K | 1,800 | 0.1% | 31 |
| ISHARES TR | [IJH](https://holderbook.com/stocks/IJH/) | $291.9K | 3,786 | 0.1% | 2 |
| LOAR HOLDINGS INC | [LOAR](https://holderbook.com/stocks/LOAR/) | $287.9K | 3,572 | 0.1% | 2 |
| FIDELITY MERRIMACK STR TR | [FIGB](https://holderbook.com/stocks/FIGB/) | $287.5K | 6,712 | 0.1% | 4 |
| NORFOLK SOUTHN CORP | [NSC](https://holderbook.com/stocks/NSC/) | $285.3K | 907 | 0.1% | 8 |
| ISHARES TR | [IVV](https://holderbook.com/stocks/IVV/) | $278.3K | 372 | 0.1% | 1 |
| FIRST TR EXCHANGE-TRADED FD | [FVD](https://holderbook.com/stocks/FVD/) | $270.2K | 5,609 | 0.1% | 25 |
| LOWES COS INC | [LOW](https://holderbook.com/stocks/LOW/) | $265.0K | 1,202 | 0.1% | 31 |
| ACNB CORP | [ACNB](https://holderbook.com/stocks/ACNB/) | $263.2K | 4,433 | 0.1% | 3 |
| INTERNATIONAL BUSINESS MACHS | [IBM](https://holderbook.com/stocks/IBM/) | $260.7K | 927 | 0.1% | 8 |
| PALANTIR TECHNOLOGIES INC | [PLTR](https://holderbook.com/stocks/PLTR/) | $254.1K | 2,178 | 0.1% | 6 |
| JPMORGAN CHASE & CO | [JPM](https://holderbook.com/stocks/JPM/) | $233.0K | 712 | 0.1% | 6 |
| NUSHARES ETF TR | [NULG](https://holderbook.com/stocks/NULG/) | $227.5K | 1,943 | 0.1% | 1 |
| AMERICAN EXPRESS CO | [AXP](https://holderbook.com/stocks/AXP/) | $227.0K | 671 | 0.1% | 1 |
| PEPSICO INC | [PEP](https://holderbook.com/stocks/PEP/) | $220.1K | 1,626 | 0.1% | 25 |
| HCA HEALTHCARE INC | [HCA](https://holderbook.com/stocks/HCA/) | $217.4K | 558 | 0.1% | 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 | +8.3% | +14.8% | -6.5% | 100% |
| Q1 2026 | +0.9% | -4.6% | +5.5% | 100% |
| Q4 2025 | +0.8% | +2.4% | -1.5% | 100% |
| Q3 2025 | +4.9% | +7.8% | -3.0% | 100% |
| Q2 2025 | +4.1% | +10.5% | -6.4% | 100% |
| Q1 2025 | -1.6% | -4.6% | +2.9% | 100% |
| Q4 2024 | -0.9% | +2.1% | -3.0% | 100% |
| Q3 2024 | +6.5% | +5.4% | +1.1% | 100% |

## Quarter by quarter

| Quarter | Value | Positions |
|---|---|---|
| Q2 2026 | $215.9M | 110 |
| Q1 2026 | $197.6M | 106 |
| Q4 2025 | $198.4M | 101 |
| Q3 2025 | $191.6M | 93 |
| Q2 2025 | $177.7M | 85 |
| Q1 2025 | $233.9M | 117 |
| Q4 2024 | $172.3M | 77 |
| Q3 2024 | $167.9M | 81 |
| Q2 2024 | $146.8M | 71 |
| Q1 2024 | $143.9M | 76 |
| Q4 2023 | $140.2M | 69 |
| Q3 2023 | $130.6M | 65 |