CIK: 0001954044
Total reported value
$165.7M
Reporting period: 2026-03-31 · Number of holdings: 43
Fee-Only Financial Planning, L.C. disclosed 43 holdings in its latest 13F filing for the period ending 2026-03-31, with total reported value of $165.7M and a quarterly turnover rate of 6.4%.
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Fee-Only Financial Planning, L.C.'s disclosed holdings carry a Herfindahl concentration index of 0.141 — mathematically equivalent to about 7 equally-sized positions, well below its 43 actual disclosed holdings. That gap points to a strategy built around a small core of high-conviction bets rather than broad diversification.
Position sizes vary widely across the portfolio (a coefficient of variation of 2.27), with a handful of outsized bets alongside many smaller positions.
No strong tilt toward either adding to existing winners or initiating outsized new positions was observed in the latest reported quarter.
Sector classification currently covers about 5% of this portfolio's disclosed value; the remainder includes holdings (e.g. unmapped tickers, options, or other security types) not yet covered by our sector mapping.
Trim VUG
-0.9% -$5.9M
Add VTV
-1.3% $428.9K
Add VBR
-0.3% $250.2K
Trim VOO
-10.7% -$721.7K
Add VB
-1.3% $23.4K
Add VEU
-0.2% $137.2K
| # | Ticker | Issuer | Asset Subclass | Weight | Weight Change | Shares Change | 4Q Trend |
|---|---|---|---|---|---|---|---|
| 1 | VUG | Vanguard Growth ETF | ETF-Other | 27.97% | -2.46% | -0.87% | |
| 2 | VTV | Vanguard Value ETF | ETF-Other | 19.47% | +0.92% | -1.34% | |
| 3 | VO | Vanguard Mid-cap ETF | ETF-Other | 8.75% | +0.18% | -0.42% | |
| 4 | VBR | Vanguard Small-cap Value ETF | ETF-Other | 6.89% | +0.38% | -0.33% | |
| 5 | VB | Vanguard Small-cap ETF | ETF-Other | 6.80% | +0.25% | -1.31% | |
| 6 | VBK | Vanguard Small-cap Grwth ETF | ETF-Other | 5.44% | +0.15% | -0.60% | |
| 7 | VEU | Vanguard Ftse All-world Ex-u | ETF-Other | 4.54% | +0.23% | -0.23% | |
| 8 | VOE | Vanguard Mid-cap Value ETF | ETF-Other | 2.51% | +0.18% | +0.04% | |
| 9 | VOO | Vanguard S&p 500 ETF | ETF-Large Cap & Growth | 2.49% | -0.34% | -10.67% | |
| 10 | VTI | Vanguard Total Stock Mkt ETF | ETF-Other | 1.73% | -0.06% | -2.44% | |
| 11 | VXF | Vanguard Extended Market ETF | ETF-Other | 1.31% | -0.05% | -6.02% | |
| 12 | VOT | Vanguard Mid-cap Growth ETF | ETF-Other | 1.10% | -0.05% | — | |
| 13 | BAC | Bank Of America CORP | Stock-Financials | 1.01% | -0.09% | — | |
| 14 | MGK | Vanguard Mega Cap Growth ETF | ETF-Other | 0.91% | -0.10% | -2.38% | |
| 15 | VEA | Vanguard Ftse Developed ETF | ETF-Other | 0.78% | +0.04% | — | |
| 16 | PM | Philip Morris International | Stock-Consumer Staples | 0.77% | +0.05% | -0.78% | |
| 17 | VDE | Vanguard Energy ETF | ETF-Other | 0.73% | +0.16% | -10.26% | |
| 18 | XOM | Exxon Mobil CORP | Stock-Energy | 0.54% | +0.14% | -8.68% | |
| 19 | VV | Vanguard Large-cap ETF | ETF-Other | 0.53% | -0.01% | — | |
| 20 | AAPL | Apple INC | Stock-Tech | 0.45% | +0.04% | +12.59% | |
| 21 | T | At&t INC | Stock-Comm Services | 0.44% | +0.07% | — | |
| 22 | MO | Altria Group INC | Stock-Consumer Staples | 0.41% | +0.06% | -2.37% | |
| 23 | AEP | American Electric Power | Stock-Utilities | 0.38% | +0.06% | — | |
| 24 | TFC | Truist Financial CORP | Stock-Financials | 0.37% | -0.02% | — | |
| 25 | SO | Southern Co/the | Stock-Utilities | 0.34% | +0.05% | +3.86% | |
| 26 | GE | General Electric | Stock-Industrials | 0.27% | -0.03% | -6.02% | |
| 27 | MSFT | Microsoft CORP | Stock-Tech | 0.26% | -0.07% | +1.64% | |
| 28 | VWO | Vanguard Ftse Emerging Marke | ETF-Emerging Markets | 0.25% | +0.01% | — | |
| 29 | GEV | GE Vernova INC | Stock-Industrials | 0.23% | +0.06% | -4.41% | |
| 30 | MDLZ | Mondelez International Inc-a | Stock-Consumer Staples | 0.21% | +0.02% | — | |
| 31 | ADBE | Adobe INC | Stock-Tech | 0.21% | -0.08% | — | |
| 32 | AZO | Autozone INC | Stock-Consumer Disc | 0.20% | -0.01% | -3.85% | |
| 33 | FENY | Fidelity Msci Energy Index | ETF-Large Cap & Growth | 0.19% | +0.02% | -21.37% | |
| 34 | VNQ | Vanguard Real Estate ETF | ETF-Other | 0.18% | — | -5.58% | |
| 35 | RDVY | First Trust Rising Dividend | ETF-Other | 0.17% | — | — | |
| 36 | WBD | Warner Bros Discovery INC | Stock-Comm Services | 0.16% | -0.01% | — | |
| 37 | D | Dominion Energy INC | Stock-Utilities | 0.16% | +0.02% | +8.00% | |
| 38 | SCZ | Ishares Msci Eafe Small-cap | ETF-Other | 0.16% | +0.01% | — | |
| 39 | IJK | Ishares S&p Mid-cap 400 Grow | ETF-Other | 0.16% | +0.02% | — | |
| 40 | JNJ | Johnson & Johnson | Stock-Healthcare | 0.15% | +0.02% | — | |
| 41 | CMCSA | Comcast Corp-class A | Stock-Comm Services | 0.14% | — | — | |
| 42 | ED | Consolidated Edison INC | Stock-Utilities | 0.13% | +0.13% | NEW | |
| 43 | VXUS | Vanguard Total Intl Stock | ETF-Other | 0.12% | +0.12% | NEW |
Performance for Q3 2026
+4.1%
Performance Last 4 Quarters
+22.1%
Based on 88% of reported portfolio value with available pricing
| Period | Holdings | Total value | Stability | Top holdings |
|---|---|---|---|---|
| 2026-03-31 | 43 | $165.7M | 6 | |
| 2025-12-31 | 42 | $171.5M | 2 | |
| 2025-09-30 | 42 | $171.4M | 16 | |
| 2025-06-30 | 41 | $161.5M | 0 | |
| 2025-03-31 | 41 | $146.5M | 0 | |
| 2024-12-31 | 40 | $154.8M | 0 | |
| 2024-09-30 | 40 | $156.1M | 0 | |
| 2024-06-30 | 40 | $148.5M | 0 | |
| 2024-03-31 | 41 | $148.2M | 0 | |
| 2023-12-31 | 41 | $138.5M | 0 | |
| 2023-09-30 | 40 | $124.1M | 0 | |
| 2023-06-30 | 43 | $131.0M | — | |
| 2023-03-31 | 42 | $123.1M | — | |
| 2022-12-31 | 40 | $119.4M | 0 |
Fee-Only Financial Planning, L.C.'s most significant position changes for 2026-03-31: New buy: Consolidated Edison INC (ED); New buy: Vanguard Total Intl Stock (VXUS); Sold out: Fubotv INC (FUBOGBP); Trim: Vanguard Growth ETF (VUG) — shares -0.87%; Trim: Vanguard Value ETF (VTV) — shares -1.34%.
| # | Ticker | Issuer | Weight Change | Shares Change | Action |
|---|---|---|---|---|---|
| 1 | VTV | Vanguard Value ETF | +0.9% | -1.34% | Trim |
| 2 | VBR | Vanguard Small-cap Value ETF | +0.4% | -0.33% | Trim |
| 3 | VB | Vanguard Small-cap ETF | +0.3% | -1.31% | Trim |
| 4 | VEU | Vanguard Ftse All-world Ex-u | +0.2% | -0.23% | Trim |
| 5 | VO | Vanguard Mid-cap ETF | +0.2% | -0.42% | Trim |
| 6 | VOE | Vanguard Mid-cap Value ETF | +0.2% | +0.04% | Add |
| 7 | VDE | Vanguard Energy ETF | +0.2% | -10.26% | Trim |
| 8 | VBK | Vanguard Small-cap Grwth ETF | +0.2% | -0.60% | Trim |
| 9 | XOM | Exxon Mobil CORP | +0.1% | -8.68% | Trim |
| 10 | T | At&t INC | +0.1% | — | Unchanged |
| 11 | GEV | GE Vernova INC | +0.1% | -4.41% | Trim |
| 12 | AEP | American Electric Power | +0.1% | — | Unchanged |
| 13 | MO | Altria Group INC | +0.1% | -2.37% | Trim |
| 14 | SO | Southern Co/the | +0.1% | +3.86% | Add |
| 15 | PM | Philip Morris International | +0.1% | -0.78% | Trim |
| 16 | AAPL | Apple INC | 0% | +12.59% | Add |
| 17 | VEA | Vanguard Ftse Developed ETF | 0% | — | Unchanged |
| 18 | JNJ | Johnson & Johnson | 0% | — | Unchanged |
| 19 | D | Dominion Energy INC | 0% | +8.00% | Add |
| 20 | FENY | Fidelity Msci Energy Index | 0% | -21.37% | Trim |
| 21 | MDLZ | Mondelez International Inc-a | 0% | — | Unchanged |
| 22 | IJK | Ishares S&p Mid-cap 400 Grow | 0% | — | Unchanged |
| 23 | SCZ | Ishares Msci Eafe Small-cap | 0% | — | Unchanged |
| 24 | VWO | Vanguard Ftse Emerging Marke | 0% | — | Unchanged |
| 25 | VNQ | Vanguard Real Estate ETF | — | -5.58% | Trim |
| 26 | CMCSA | Comcast Corp-class A | — | — | Unchanged |
| 27 | RDVY | First Trust Rising Dividend | — | — | Unchanged |
| 28 | VV | Vanguard Large-cap ETF | 0% | — | Unchanged |
| 29 | AZO | Autozone INC | 0% | -3.85% | Trim |
| 30 | WBD | Warner Bros Discovery INC | 0% | — | Unchanged |
| 31 | TFC | Truist Financial CORP | 0% | — | Unchanged |
| 32 | GE | General Electric | 0% | -6.02% | Trim |
| 33 | VXF | Vanguard Extended Market ETF | -0.1% | -6.02% | Trim |
| 34 | VOT | Vanguard Mid-cap Growth ETF | -0.1% | — | Unchanged |
| 35 | VTI | Vanguard Total Stock Mkt ETF | -0.1% | -2.44% | Trim |
| 36 | MSFT | Microsoft CORP | -0.1% | +1.64% | Add |
| 37 | ADBE | Adobe INC | -0.1% | — | Unchanged |
| 38 | BAC | Bank Of America CORP | -0.1% | — | Unchanged |
| 39 | MGK | Vanguard Mega Cap Growth ETF | -0.1% | -2.38% | Trim |
| 40 | VOO | Vanguard S&p 500 ETF | -0.3% | -10.67% | Trim |
| 41 | VUG | Vanguard Growth ETF | -2.5% | -0.87% | Trim |
| 42 | ED | Consolidated Edison INC | — | NEW | New buy |
| 43 | VXUS | Vanguard Total Intl Stock | — | NEW | New buy |
| 44 | FUBOGBP | Fubotv INC | — | EXIT | Sold out |
| Period | Filed | Type | EDGAR |
|---|---|---|---|
| 2026-03-31 | 2026-04-29 | 13F-HR | View on EDGAR |
| 2025-12-31 | 2026-01-26 | 13F-HR | View on EDGAR |
| 2025-09-30 | 2025-10-27 | 13F-HR | View on EDGAR |
| 2025-06-30 | 2025-07-17 | 13F-HR | View on EDGAR |
| 2025-03-31 | 2025-05-02 | 13F-HR | View on EDGAR |
| 2024-12-31 | 2025-02-05 | 13F-HR | View on EDGAR |
| 2024-09-30 | 2024-11-04 | 13F-HR | View on EDGAR |
| 2024-06-30 | 2024-08-05 | 13F-HR | View on EDGAR |
| 2024-03-31 | 2024-04-25 | 13F-HR | View on EDGAR |
| 2023-12-31 | 2024-02-06 | 13F-HR | View on EDGAR |
| 2023-09-30 | 2024-04-23 | Amendment | View on EDGAR |
| 2023-09-30 | 2023-10-26 | 13F-HR | View on EDGAR |
| 2023-06-30 | 2024-04-23 | Amendment | View on EDGAR |
| 2023-06-30 | 2023-08-07 | 13F-HR | View on EDGAR |
| 2023-03-31 | 2024-04-23 | Amendment | View on EDGAR |
| 2023-03-31 | 2023-04-28 | 13F-HR | View on EDGAR |
| 2022-12-31 | 2023-02-03 | 13F-HR | View on EDGAR |
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