# PDS Planning, Inc

> Institutional holdings reported to the SEC as of Q2 2026 on Form 13F. CIK 838618. Source: https://holderbook.com/funds/838618-pds-planning-inc/

- Reported value: $1.7B
- Positions: 609
- Weight of the ten largest: 43.8%
- Filed: 2026-08-05

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 TAX-MANAGED FDS | [VEA](https://holderbook.com/stocks/VEA/) | $126.8M | 1,779,207 | 7.3% | 31 |
| ISHARES TR | [IVV](https://holderbook.com/stocks/IVV/) | $117.9M | 157,386 | 6.8% | 31 |
| ISHARES TR | [AGG](https://holderbook.com/stocks/AGG/) | $87.1M | 880,458 | 5.0% | 31 |
| VANGUARD INDEX FDS | [VO](https://holderbook.com/stocks/VO/) | $77.5M | 962,079 | 4.5% | 29 |
| AMERICAN CENTY ETF TR | [AVUV](https://holderbook.com/stocks/AVUV/) | $76.7M | 614,951 | 4.4% | 8 |
| VANGUARD SPECIALIZED FUNDS | [VIG](https://holderbook.com/stocks/VIG/) | $69.4M | 293,378 | 4.0% | 31 |
| VANGUARD INTL EQUITY INDEX F | [VWO](https://holderbook.com/stocks/VWO/) | $63.8M | 1,068,327 | 3.7% | 31 |
| VANGUARD CHARLOTTE FDS | [BNDX](https://holderbook.com/stocks/BNDX/) | $50.1M | 1,034,989 | 2.9% | 28 |
| ISHARES TR | [REET](https://holderbook.com/stocks/REET/) | $45.4M | 1,642,967 | 2.6% | 25 |
| ISHARES TR | [IGSB](https://holderbook.com/stocks/IGSB/) | $42.0M | 801,548 | 2.4% | 31 |
| APPLE INC | [AAPL](https://holderbook.com/stocks/AAPL/) | $39.4M | 136,287 | 2.3% | 31 |
| NVIDIA CORPORATION | [NVDA](https://holderbook.com/stocks/NVDA/) | $36.1M | 180,460 | 2.1% | 24 |
| VANGUARD BD INDEX FDS | [BSV](https://holderbook.com/stocks/BSV/) | $35.1M | 450,644 | 2.0% | 26 |
| ABBVIE INC | [ABBV](https://holderbook.com/stocks/ABBV/) | $27.4M | 108,761 | 1.6% | 31 |
| VANGUARD INDEX FDS | [VBR](https://holderbook.com/stocks/VBR/) | $23.8M | 97,954 | 1.4% | 31 |
| MICROSOFT CORP | [MSFT](https://holderbook.com/stocks/MSFT/) | $20.0M | 53,615 | 1.2% | 31 |
| ISHARES TR | [IEFA](https://holderbook.com/stocks/IEFA/) | $18.2M | 188,300 | 1.1% | 25 |
| ISHARES TR | [IJH](https://holderbook.com/stocks/IJH/) | $17.6M | 228,661 | 1.0% | 22 |
| ISHARES INC | [IEMG](https://holderbook.com/stocks/IEMG/) | $17.0M | 204,734 | 1.0% | 25 |
| VANGUARD BD INDEX FDS | [BND](https://holderbook.com/stocks/BND/) | $16.9M | 230,885 | 1.0% | 21 |
| ALPHABET INC | [GOOG](https://holderbook.com/stocks/GOOG/) | $16.8M | 47,495 | 1.0% | 26 |
| AMAZON COM INC | [AMZN](https://holderbook.com/stocks/AMZN/) | $16.5M | 69,133 | 1.0% | 31 |
| JPMORGAN CHASE & CO | [JPM](https://holderbook.com/stocks/JPM/) | $16.2M | 49,614 | 0.9% | 31 |
| ISHARES TR | [MUB](https://holderbook.com/stocks/MUB/) | $16.0M | 148,686 | 0.9% | 31 |
| ALPHABET INC | [GOOGL](https://holderbook.com/stocks/GOOGL/) | $15.9M | 44,471 | 0.9% | 27 |
| VANGUARD INDEX FDS | [VB](https://holderbook.com/stocks/VB/) | $15.8M | 52,128 | 0.9% | 28 |
| BERKSHIRE HATHAWAY INC DEL | [BRKB](https://holderbook.com/stocks/BRKB/) | $15.4M | 30,747 | 0.9% | 31 |
| BERKSHIRE HATHAWAY INC DEL | [BRKA](https://holderbook.com/stocks/BRKA/) | $15.0M | 20 | 0.9% | 6 |
| VANGUARD MUN BD FDS | [VTEB](https://holderbook.com/stocks/VTEB/) | $13.9M | 275,456 | 0.8% | 26 |
| VANGUARD INDEX FDS | [VTI](https://holderbook.com/stocks/VTI/) | $12.9M | 34,991 | 0.7% | 31 |
| ISHARES TR | [IAGG](https://holderbook.com/stocks/IAGG/) | $12.8M | 252,280 | 0.7% | 19 |
| ISHARES TR | [SUB](https://holderbook.com/stocks/SUB/) | $12.3M | 115,118 | 0.7% | 31 |
| BROADCOM INC | [AVGO](https://holderbook.com/stocks/AVGO/) | $10.6M | 27,930 | 0.6% | 22 |
| TAIWAN SEMICONDUCTOR MANUFAC | [TSM](https://holderbook.com/stocks/TSM/) | $10.4M | 21,749 | 0.6% | 25 |
| ABBOTT LABORATORIES | [ABT](https://holderbook.com/stocks/ABT/) | $9.9M | 109,606 | 0.6% | 31 |
| VANGUARD INTL EQUITY INDEX F | [VT](https://holderbook.com/stocks/VT/) | $9.8M | 62,272 | 0.6% | 31 |
| VANGUARD INTL EQUITY INDEX F | [VEU](https://holderbook.com/stocks/VEU/) | $9.3M | 111,098 | 0.5% | 31 |
| ELI LILLY & CO | [LLY](https://holderbook.com/stocks/LLY/) | $9.1M | 7,599 | 0.5% | 29 |
| VANGUARD INDEX FDS | [VOO](https://holderbook.com/stocks/VOO/) | $7.8M | 11,364 | 0.5% | 25 |
| META PLATFORMS INC | [META](https://holderbook.com/stocks/META/) | $7.1M | 12,542 | 0.4% | 31 |
| MICRON TECHNOLOGY INC | [MU](https://holderbook.com/stocks/MU/) | $7.1M | 6,120 | 0.4% | 13 |
| TESLA INC | [TSLA](https://holderbook.com/stocks/TSLA/) | $6.9M | 16,395 | 0.4% | 25 |
| J P MORGAN EXCHANGE TRADED F | [JMST](https://holderbook.com/stocks/JMST/) | $6.7M | 131,459 | 0.4% | 18 |
| VANECK MERK GOLD ETF | [OUNZ](https://holderbook.com/stocks/OUNZ/) | $6.5M | 167,778 | 0.4% | 25 |
| VANGUARD INDEX FDS | [VNQ](https://holderbook.com/stocks/VNQ/) | $6.4M | 66,024 | 0.4% | 25 |
| VANGUARD WHITEHALL FDS | [VIGI](https://holderbook.com/stocks/VIGI/) | $5.7M | 60,684 | 0.3% | 26 |
| VANGUARD INDEX FDS | [VV](https://holderbook.com/stocks/VV/) | $5.6M | 16,309 | 0.3% | 16 |
| PROCTER & GAMBLE CO | [PG](https://holderbook.com/stocks/PG/) | $5.5M | 37,838 | 0.3% | 31 |
| STATE STR SPDR S&P 500 ETF T | [SPY](https://holderbook.com/stocks/SPY/) | $5.5M | 7,364 | 0.3% | 31 |
| ADVANCED MICRO DEVICES INC | [AMD](https://holderbook.com/stocks/AMD/) | $5.4M | 9,301 | 0.3% | 14 |
| COCA COLA CO | [KO](https://holderbook.com/stocks/KO/) | $5.4M | 66,367 | 0.3% | 31 |
| JOHNSON & JOHNSON | [JNJ](https://holderbook.com/stocks/JNJ/) | $4.9M | 19,261 | 0.3% | 31 |
| DIMENSIONAL ETF TRUST | [DFAC](https://holderbook.com/stocks/DFAC/) | $4.8M | 108,432 | 0.3% | 8 |
| VISA INC | [V](https://holderbook.com/stocks/V/) | $4.3M | 12,513 | 0.2% | 29 |
| DEERE & CO | [DE](https://holderbook.com/stocks/DE/) | $3.9M | 6,212 | 0.2% | 31 |
| COSTCO WHOLESALE CORPORATION | [COST](https://holderbook.com/stocks/COST/) | $3.8M | 4,086 | 0.2% | 25 |
| APPLIED MATLS INC | [AMAT](https://holderbook.com/stocks/AMAT/) | $3.8M | 5,220 | 0.2% | 15 |
| ASML HLDG NV | [ASML](https://holderbook.com/stocks/ASML/) | $3.7M | 1,856 | 0.2% | 23 |
| WALMART INC | [WMT](https://holderbook.com/stocks/WMT/) | $3.7M | 32,479 | 0.2% | 25 |
| UNITED PARCEL SVCS INC | [UPS](https://holderbook.com/stocks/UPS/) | $3.7M | 33,969 | 0.2% | 31 |
| CINCINNATI FINL CORP | [CINF](https://holderbook.com/stocks/CINF/) | $3.6M | 19,286 | 0.2% | 31 |
| LAM RESEARCH CORP | [LRCX](https://holderbook.com/stocks/LRCX/) | $3.5M | 7,995 | 0.2% | 7 |
| EXXON MOBIL CORP | [XOMXXXX](https://holderbook.com/stocks/XOMXXXX/) | $3.4M | 25,071 | 0.2% | 31 |
| CISCO SYS INC | [CSCO](https://holderbook.com/stocks/CSCO/) | $3.4M | 29,089 | 0.2% | 31 |
| CATERPILLAR INC | [CAT](https://holderbook.com/stocks/CAT/) | $3.2M | 3,032 | 0.2% | 22 |
| MASTERCARD INCORPORATED | [MA](https://holderbook.com/stocks/MA/) | $3.2M | 6,236 | 0.2% | 25 |
| GE AEROSPACE | [GE](https://holderbook.com/stocks/GE/) | $3.2M | 8,502 | 0.2% | 15 |
| INTEL CORP | [INTC](https://holderbook.com/stocks/INTC/) | $3.1M | 22,424 | 0.2% | 31 |
| ORACLE CORP | [ORCL](https://holderbook.com/stocks/ORCL/) | $3.0M | 20,362 | 0.2% | 31 |
| J P MORGAN EXCHANGE TRADED F | [JEPQ](https://holderbook.com/stocks/JEPQ/) | $2.8M | 45,203 | 0.2% | 11 |
| EATON CORP PLC | [ETN](https://holderbook.com/stocks/ETN/) | $2.8M | 6,458 | 0.2% | 31 |
| CORNING INC | [GLW](https://holderbook.com/stocks/GLW/) | $2.7M | 10,596 | 0.2% | 9 |
| AMPHENOL CORP | [APH](https://holderbook.com/stocks/APH/) | $2.7M | 15,246 | 0.2% | 15 |
| HOME DEPOT INC | [HD](https://holderbook.com/stocks/HD/) | $2.6M | 7,300 | 0.1% | 30 |
| VANGUARD INDEX FDS | [VTV](https://holderbook.com/stocks/VTV/) | $2.5M | 11,604 | 0.1% | 22 |
| KLA CORP | [KLAC](https://holderbook.com/stocks/KLAC/) | $2.4M | 8,088 | 0.1% | 13 |
| GE VERNOVA INC | [GEV](https://holderbook.com/stocks/GEV/) | $2.4M | 2,076 | 0.1% | 9 |
| SANDISK CORP | [SNDK](https://holderbook.com/stocks/SNDK/) | $2.4M | 1,058 | 0.1% | 4 |
| SCHWAB STRATEGIC TR | [SCHB](https://holderbook.com/stocks/SCHB/) | $2.4M | 82,474 | 0.1% | 23 |
| ENACT HLDGS INC | [ACT](https://holderbook.com/stocks/ACT/) | $2.4M | 52,051 | 0.1% | 4 |
| MERCK & CO INC | [MRK](https://holderbook.com/stocks/MRK/) | $2.3M | 17,830 | 0.1% | 31 |
| WORLD GOLD TR | [GLDM](https://holderbook.com/stocks/GLDM/) | $2.3M | 28,787 | 0.1% | 18 |
| SPDR SERIES TRUST | [SDY](https://holderbook.com/stocks/SDY/) | $2.3M | 15,003 | 0.1% | 31 |
| HUNTINGTON BANCSHARES INC | [HBAN](https://holderbook.com/stocks/HBAN/) | $2.2M | 126,637 | 0.1% | 31 |
| UNITEDHEALTH GROUP INC | [UNH](https://holderbook.com/stocks/UNH/) | $2.2M | 5,369 | 0.1% | 27 |
| J P MORGAN EXCHANGE TRADED F | [JCPB](https://holderbook.com/stocks/JCPB/) | $2.2M | 46,553 | 0.1% | 4 |
| VANGUARD INTL EQUITY INDEX F | [VSS](https://holderbook.com/stocks/VSS/) | $2.1M | 13,819 | 0.1% | 31 |
| CHEVRON CORPORATION | [CVX](https://holderbook.com/stocks/CVX/) | $2.1M | 12,434 | 0.1% | 31 |
| TEXAS INSTRS INC | [TXN](https://holderbook.com/stocks/TXN/) | $2.0M | 6,661 | 0.1% | 25 |
| ASE TECHNOLOGY HLDG CO LTD | [ASX](https://holderbook.com/stocks/ASX/) | $2.0M | 43,540 | 0.1% | 23 |
| J P MORGAN EXCHANGE TRADED F | [JEPI](https://holderbook.com/stocks/JEPI/) | $2.0M | 34,622 | 0.1% | 12 |
| INTERNATIONAL BUSINESS MACHS | [IBM](https://holderbook.com/stocks/IBM/) | $1.9M | 6,911 | 0.1% | 31 |
| UNITED MICROELECTRONICS CORP | [UMC](https://holderbook.com/stocks/UMC/) | $1.9M | 69,876 | 0.1% | 30 |
| SERVICENOW INC | [NOW](https://holderbook.com/stocks/NOW/) | $1.9M | 18,902 | 0.1% | 15 |
| CROWDSTRIKE HLDGS INC | [CRWD](https://holderbook.com/stocks/CRWD/) | $1.9M | 2,459 | 0.1% | 11 |
| VANGUARD WORLD FD | [VGT](https://holderbook.com/stocks/VGT/) | $1.9M | 15,606 | 0.1% | 26 |
| LINDE PLC | [LIN](https://holderbook.com/stocks/LIN/) | $1.8M | 3,556 | 0.1% | 14 |
| CARDINAL HEALTH INC | [CAH](https://holderbook.com/stocks/CAH/) | $1.8M | 7,563 | 0.1% | 23 |
| BANK OF AMER CORP | [BAC](https://holderbook.com/stocks/BAC/) | $1.8M | 31,074 | 0.1% | 24 |
| ISHARES TR | [ISTB](https://holderbook.com/stocks/ISTB/) | $1.8M | 36,499 | 0.1% | 30 |

## 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 | +10.1% | +14.8% | -4.7% | 100% |
| Q1 2026 | -1.4% | -4.6% | +3.2% | 100% |
| Q4 2025 | +1.5% | +2.4% | -0.9% | 100% |
| Q3 2025 | +5.9% | +7.8% | -1.9% | 100% |
| Q2 2025 | +6.7% | +10.5% | -3.8% | 100% |
| Q1 2025 | -0.8% | -4.6% | +3.7% | 100% |
| Q4 2024 | -2.0% | +2.1% | -4.1% | 100% |
| Q3 2024 | +6.4% | +5.4% | +1.0% | 100% |

## Quarter by quarter

| Quarter | Value | Positions |
|---|---|---|
| Q2 2026 | $1.7B | 609 |
| Q1 2026 | $1.5B | 561 |
| Q4 2025 | $1.5B | 553 |
| Q3 2025 | $1.4B | 540 |
| Q2 2025 | $1.3B | 516 |
| Q1 2025 | $1.2B | 476 |
| Q4 2024 | $1.1B | 444 |
| Q3 2024 | $1.1B | 443 |
| Q2 2024 | $991.2M | 396 |
| Q1 2024 | $951.8M | 397 |
| Q4 2023 | $878.0M | 365 |
| Q3 2023 | $773.0M | 338 |