CIK: 0002054264
Total reported value
$602.9M
Reporting period: 2026-03-31 · Number of holdings: 122
Partners in Financial Planning disclosed 122 holdings in its latest 13F filing for the period ending 2026-03-31, with total reported value of $602.9M and a quarterly turnover rate of 5.3%.
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Partners in Financial Planning's disclosed holdings carry a Herfindahl concentration index of 0.064 — mathematically equivalent to about 16 equally-sized positions, well below its 122 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 2.61), 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
+1.7% -$5.8M
Add BND
+6.3% $4.2M
Add BNDX
+6.3% $3.2M
Add VEA
+1.5% $2.0M
Trim VTI
-1.2% -$653.2K
Add VTV
+0.8% $2.0M
| # | Ticker | Issuer | Asset Subclass | Weight | Weight Change | Shares Change | 4Q Trend |
|---|---|---|---|---|---|---|---|
| 1 | BND | Vanguard Total Bond Market | ETF-Other | 12.78% | +0.44% | +6.32% | |
| 2 | VTV | Vanguard Value ETF | ETF-Other | 10.00% | +0.14% | +0.76% | |
| 3 | VUG | Vanguard Growth ETF | ETF-Other | 9.88% | -1.19% | +1.74% | |
| 4 | BNDX | Vanguard Total Intl Bond ETF | ETF-Other | 9.85% | +0.33% | +6.28% | |
| 5 | VEA | Vanguard Ftse Developed ETF | ETF-Other | 8.39% | +0.17% | +1.54% | |
| 6 | BSV | Vanguard Short-term Bond ETF | ETF-Other | 6.21% | — | +2.57% | |
| 7 | VBR | Vanguard Small-cap Value ETF | ETF-Other | 3.67% | +0.03% | +0.28% | |
| 8 | VBK | Vanguard Small-cap Grwth ETF | ETF-Other | 3.35% | -0.03% | +1.19% | |
| 9 | VWO | Vanguard Ftse Emerging Marke | ETF-Emerging Markets | 2.74% | — | -0.46% | |
| 10 | VSS | Vanguard Ftse All Wo X-us Sc | ETF-Other | 2.56% | -0.03% | -0.87% | |
| 11 | VNQ | Vanguard Real Estate ETF | ETF-Other | 2.32% | -0.01% | +1.15% | |
| 12 | SPDW | Ste Str Spdr Pt Dw EU ETF | ETF-Other | 2.20% | +0.02% | -0.15% | |
| 13 | VTEB | Vanguard Tax-exempt Bond ETF | ETF-Other | 1.96% | — | +2.79% | |
| 14 | VTI | Vanguard Total Stock Mkt ETF | ETF-Other | 1.87% | -0.15% | -1.22% | |
| 15 | SUB | Ishares Short-term National | ETF-Other | 1.81% | — | +1.96% | |
| 16 | VCIT | Vanguard Int-term Corporate | ETF-Corp Bonds | 1.34% | +0.01% | +3.77% | |
| 17 | MUB | Ishares National Muni Bond E | ETF-Other | 1.13% | +0.12% | +15.29% | |
| 18 | VOO | Vanguard S&p 500 ETF | ETF-Large Cap & Growth | 1.08% | -0.04% | +3.25% | |
| 19 | SPYG | Ss Spdr P S&p 500 Growth ETF | ETF-Large Cap & Growth | 0.70% | -0.08% | -0.24% | |
| 20 | VO | Vanguard Mid-cap ETF | ETF-Other | 0.67% | — | -0.58% | |
| 21 | SPYV | Ss Spdr P S&p 500 Value ETF | ETF-Large Cap & Growth | 0.66% | — | +0.28% | |
| 22 | SCZ | Ishares Msci Eafe Small-cap | ETF-Other | 0.65% | — | -1.07% | |
| 23 | SPEM | State Street Sp Ptf Em ETF | ETF-Other | 0.55% | +0.01% | +4.23% | |
| 24 | VXF | Vanguard Extended Market ETF | ETF-Other | 0.55% | — | +0.35% | |
| 25 | IAGG | Ishares Intl Aggregate Bond | ETF-Other | 0.51% | +0.01% | +4.31% | |
| 26 | SLYV | Ss Spdr S&p 600 Sc Val ETF | ETF-Other | 0.50% | +0.02% | +1.06% | |
| 27 | VFMF | Vanguard US Multifactor ETF | ETF-Other | 0.50% | — | -1.60% | |
| 28 | SPAB | Ss Spdr P Agg Bond ETF | ETF-Other | 0.45% | — | +2.84% | |
| 29 | NSC | Norfolk Southern CORP | Stock-Industrials | 0.45% | — | — | |
| 30 | VV | Vanguard Large-cap ETF | ETF-Other | 0.43% | -0.03% | +0.38% | |
| 31 | XOM | Exxon Mobil CORP | Stock-Energy | 0.36% | +0.10% | — | |
| 32 | VEU | Vanguard Ftse All-world Ex-u | ETF-Other | 0.33% | — | -1.29% | |
| 33 | SLYG | Ss Spdr S&p 600 Sc Gr ETF | ETF-Other | 0.30% | — | +0.10% | |
| 34 | VB | Vanguard Small-cap ETF | ETF-Other | 0.29% | — | +0.19% | |
| 35 | CVX | Chevron CORP | Stock-Energy | 0.26% | +0.06% | — | |
| 36 | AAPL | Apple INC | Stock-Tech | 0.26% | -0.04% | -6.04% | |
| 37 | SPTS | Ss Spdr P St Term Tsy ETF | ETF-Other | 0.24% | — | -1.33% | |
| 38 | VXUS | Vanguard Total Intl Stock | ETF-Other | 0.24% | — | +0.08% | |
| 39 | IWF | Ishares Russell 1000 Growth | ETF-Other | 0.23% | -0.04% | — | |
| 40 | BIV | Vanguard Intermediate-term B | ETF-Other | 0.23% | — | +0.10% | |
| 41 | VNQI | Vanguard Glbl Ex-us Real Est | ETF-Other | 0.22% | — | -0.81% | |
| 42 | LRGF | Ishares US Equity Factor ETF | ETF-Other | 0.21% | — | -1.37% | |
| 43 | DFAT | Dimensional US Target Value | ETF-Other | 0.20% | — | +0.16% | |
| 44 | STLD | Steel Dynamics INC | Stock-Materials | 0.20% | — | -4.85% | |
| 45 | AMZN | Amazon.com INC | Stock-Consumer Disc | 0.20% | -0.03% | -3.45% | |
| 46 | FERG | Ferguson Enterprises INC | Stock-Industrials | 0.19% | — | — | |
| 47 | TSLA | Tesla INC | Stock-Consumer Disc | 0.19% | -0.04% | +0.16% | |
| 48 | EFA | Ishares Msci Eafe ETF | ETF-Other | 0.18% | — | -4.08% | |
| 49 | TPL | Texas Pacific Land CORP | Stock-Energy | 0.17% | +0.07% | — | |
| 50 | MSFT | Microsoft CORP | Stock-Tech | 0.16% | -0.05% | +1.16% |
Performance for Q3 2026
+1.9%
Performance Last 4 Quarters
+14%
Based on 81% of reported portfolio value with available pricing
| Period | Holdings | Total value | Stability | Top holdings |
|---|---|---|---|---|
| 2026-03-31 | 122 | $602.9M | 5 | |
| 2025-12-31 | 115 | $590.6M | 3 | |
| 2025-09-30 | 115 | $578.5M | 15 | |
| 2025-06-30 | 107 | $542.3M | 0 | |
| 2025-03-31 | 101 | $497.6M | 28 | |
| 2024-12-31 | 107 | $490.2M | 0 | |
| 2024-09-30 | 107 | $495.7M | 0 | |
| 2024-06-30 | 104 | $460.1M | 0 | |
| 2024-03-31 | 103 | $449.3M | 0 | |
| 2023-12-31 | 103 | $426.0M | 0 | |
| 2023-09-30 | 96 | $388.5M | 11 | |
| 2023-06-30 | 94 | $392.7M | — | |
| 2023-03-31 | 93 | $380.0M | — | |
| 2022-12-31 | 90 | $361.3M | 11 | |
| 2022-09-30 | 90 | $350.1M | 13 | |
| 2022-06-30 | 94 | $314.6M | 6 | |
| 2022-03-31 | 90 | $317.8M | 6 | |
| 2021-12-31 | 92 | $326.8M | 5 | |
| 2021-09-30 | 95 | $320.4M | 4 | |
| 2021-06-30 | 92 | $319.5M | — |
Partners in Financial Planning's most significant position changes for 2026-03-31: New buy: Dimensional National Muni Bd (DFNM); New buy: Schwab Fndmntl US Lrg Co ETF (FNDX); New buy: Ishares Msci International Q (IQLT); New buy: Dimensional International Co (DFAI); New buy: Altria Group INC (MO).
| Period | Filed | Type | EDGAR |
|---|---|---|---|
| 2026-03-31 | 2026-05-11 | 13F-HR | View on EDGAR |
| 2025-12-31 | 2026-02-02 | 13F-HR | View on EDGAR |
| 2025-09-30 | 2025-11-10 | 13F-HR | View on EDGAR |
| 2025-06-30 | 2025-08-04 | 13F-HR | View on EDGAR |
| 2025-03-31 | 2025-04-30 | 13F-HR | View on EDGAR |
| 2024-12-31 | 2025-02-12 | 13F-HR | View on EDGAR |
| 2024-09-30 | 2025-02-26 | 13F-HR | View on EDGAR |
| 2024-06-30 | 2025-02-26 | 13F-HR | View on EDGAR |
| 2024-03-31 | 2025-02-26 | 13F-HR | View on EDGAR |
| 2023-12-31 | 2025-02-26 | 13F-HR | View on EDGAR |
| 2023-09-30 | 2025-03-04 | 13F-HR | View on EDGAR |
| 2023-06-30 | 2025-02-26 | 13F-HR | View on EDGAR |
| 2023-03-31 | 2025-02-26 | 13F-HR | View on EDGAR |
| 2022-12-31 | 2025-05-05 | 13F-HR | View on EDGAR |
| 2022-09-30 | 2025-05-05 | 13F-HR | View on EDGAR |
| 2022-06-30 | 2025-05-05 | 13F-HR | View on EDGAR |
| 2022-03-31 | 2025-05-05 | 13F-HR | View on EDGAR |
| 2021-12-31 | 2025-05-05 | 13F-HR | View on EDGAR |
| 2021-09-30 | 2025-05-05 | 13F-HR | View on EDGAR |
| 2021-06-30 | 2025-05-05 | 13F-HR | View on EDGAR |
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