Partners in Financial Planning — Q4 2025 13F Holdings

Name: Partners in Financial Planning — 13F Holdings, Q4 2025
Creator: AlphaSMO
License: https://www.sec.gov/forms

CIK: 0002054264

Total reported value

$602.9M

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Full holdings list this quarter

#	Ticker	Issuer	Asset Subclass	Weight	Weight Change	Shares Change
1	BND	Vanguard Total Bond Market	ETF-Other	12.34%	+0.44%	+1.94%
2	VUG	Vanguard Growth ETF	ETF-Other	11.07%	-1.19%	-3.53%
3	VTV	Vanguard Value ETF	ETF-Other	9.86%	+0.14%	+1.13%
4	BNDX	Vanguard Total Intl Bond ETF	ETF-Other	9.52%	+0.33%	+8.10%
5	VEA	Vanguard Ftse Developed ETF	ETF-Other	8.22%	+0.17%	+0.31%
6	BSV	Vanguard Short-term Bond ETF	ETF-Other	6.21%	—	+1.81%
7	VBR	Vanguard Small-cap Value ETF	ETF-Other	3.64%	+0.03%	+1.39%
8	VBK	Vanguard Small-cap Grwth ETF	ETF-Other	3.38%	-0.03%	-0.44%
9	VWO	Vanguard Ftse Emerging Marke	ETF-Emerging Markets	2.80%	—	+0.92%
10	VSS	Vanguard Ftse All Wo X-us Sc	ETF-Other	2.59%	-0.03%	+0.68%
11	VNQ	Vanguard Real Estate ETF	ETF-Other	2.33%	-0.01%	+0.22%
12	SPDW	Ste Str Spdr Pt Dw EU ETF	ETF-Other	2.18%	+0.02%	+1.35%
13	VTI	Vanguard Total Stock Mkt ETF	ETF-Other	2.02%	-0.15%	-0.36%
14	VTEB	Vanguard Tax-exempt Bond ETF	ETF-Other	1.96%	—	+2.28%
15	SUB	Ishares Short-term National	ETF-Other	1.81%	—	+2.33%
16	VCIT	Vanguard Int-term Corporate	ETF-Corp Bonds	1.33%	+0.01%	+5.50%
17	VOO	Vanguard S&p 500 ETF	ETF-Large Cap & Growth	1.12%	-0.04%	-0.33%
18	MUB	Ishares National Muni Bond E	ETF-Other	1.01%	+0.12%	+10.56%
19	SPYG	Ss Spdr P S&p 500 Growth ETF	ETF-Large Cap & Growth	0.78%	-0.08%	+0.35%
20	VO	Vanguard Mid-cap ETF	ETF-Other	0.70%	—	+0.35%
21	SPYV	Ss Spdr P S&p 500 Value ETF	ETF-Large Cap & Growth	0.67%	—	-10.47%
22	SCZ	Ishares Msci Eafe Small-cap	ETF-Other	0.66%	—	-1.11%
23	VXF	Vanguard Extended Market ETF	ETF-Other	0.56%	—	-0.71%
24	SPEM	State Street Sp Ptf Em ETF	ETF-Other	0.54%	+0.01%	-0.51%
25	IAGG	Ishares Intl Aggregate Bond	ETF-Other	0.50%	+0.01%	+1.88%
26	VFMF	Vanguard US Multifactor ETF	ETF-Other	0.50%	—	-1.36%
27	SLYV	Ss Spdr S&p 600 Sc Val ETF	ETF-Other	0.48%	+0.02%	+0.45%
28	VV	Vanguard Large-cap ETF	ETF-Other	0.46%	-0.03%	-2.29%
29	NSC	Norfolk Southern CORP	Stock-Industrials	0.46%	—	-0.07%
30	SPAB	Ss Spdr P Agg Bond ETF	ETF-Other	0.45%	—	+0.70%
31	VEU	Vanguard Ftse All-world Ex-u	ETF-Other	0.34%	—	-5.74%
32	AAPL	Apple INC	Stock-Tech	0.30%	-0.04%	+0.20%
33	SLYG	Ss Spdr S&p 600 Sc Gr ETF	ETF-Other	0.30%	—	+0.88%
34	VB	Vanguard Small-cap ETF	ETF-Other	0.29%	—	-1.61%
35	IWF	Ishares Russell 1000 Growth	ETF-Other	0.27%	-0.04%	-13.77%
36	XOM	Exxon Mobil CORP	Stock-Energy	0.26%	+0.10%	-4.33%
37	SPTS	Ss Spdr P St Term Tsy ETF	ETF-Other	0.25%	—	+5.24%
38	BIV	Vanguard Intermediate-term B	ETF-Other	0.24%	—	+0.37%
39	VXUS	Vanguard Total Intl Stock	ETF-Other	0.24%	—	-0.10%
40	TSLA	Tesla INC	Stock-Consumer Disc	0.23%	-0.04%	—
41	VNQI	Vanguard Glbl Ex-us Real Est	ETF-Other	0.23%	—	+2.88%
42	AMZN	Amazon.com INC	Stock-Consumer Disc	0.23%	-0.03%	+0.24%
43	LRGF	Ishares US Equity Factor ETF	ETF-Other	0.23%	—	-0.08%
44	MSFT	Microsoft CORP	Stock-Tech	0.21%	-0.05%	+0.93%
45	STLD	Steel Dynamics INC	Stock-Materials	0.20%	—	—
46	CVX	Chevron CORP	Stock-Energy	0.20%	+0.06%	—
47	DFAT	Dimensional US Target Value	ETF-Other	0.19%	—	+0.22%
48	FERG	Ferguson Enterprises INC	Stock-Industrials	0.19%	—	+1.59%
49	EFA	Ishares Msci Eafe ETF	ETF-Other	0.19%	—	+0.42%
50	EW	Edwards Lifesciences CORP	Stock-Healthcare	0.17%	—	—

1–50 of 115

Holding changes this quarter

Position changes disclosed by Partners in Financial Planning for the quarter ending Q4 2025, including ticker, issuer, weight change, shares change, and action
#	Ticker	Issuer	Weight Change	Shares Change	Action
1	BNDX	Vanguard Total Intl Bond ETF	+0.3%	+8.10%	Add
2	VEA	Vanguard Ftse Developed ETF	+0.2%	+0.31%	Add
3	VTV	Vanguard Value ETF	+0.1%	+1.13%	Add
4	MUB	Ishares National Muni Bond E	+0.1%	+10.56%	Add
5	SPDW	Ste Str Spdr Pt Dw EU ETF	+0.1%	+1.35%	Add
6	VCIT	Vanguard Int-term Corporate	0%	+5.50%	Add
7	VBIL	Vanguard 0-3m T-bill ETF	0%	+99.07%	Add
8	STLD	Steel Dynamics INC	0%	—	Unchanged
9	GOOG	Alphabet Inc-cl C	0%	+1.94%	Add
10	VBR	Vanguard Small-cap Value ETF	0%	+1.39%	Add
11	GOOGL	Alphabet Inc-cl A	0%	+0.57%	Add
12	CAH	Cardinal Health INC	0%	—	Unchanged
13	VTEB	Vanguard Tax-exempt Bond ETF	0%	+2.28%	Add
14	AAPL	Apple INC	0%	+0.20%	Add
15	SPYG	Ss Spdr P S&p 500 Growth ETF	0%	+0.35%	Add
16	NKSH	National Bankshares Inc/va	0%	—	Unchanged
17	EW	Edwards Lifesciences CORP	0%	—	Unchanged
18	SPTS	Ss Spdr P St Term Tsy ETF	0%	+5.24%	Add
19	COF	Capital One Financial CORP	0%	+6.47%	Add
20	AMZN	Amazon.com INC	0%	+0.24%	Add
21	DHR	Danaher CORP	0%	—	Unchanged
22	WMT	Walmart INC	0%	+0.71%	Add
23	JNJ	Johnson & Johnson	0%	—	Unchanged
24	SUB	Ishares Short-term National	—	+2.33%	Add
25	VTI	Vanguard Total Stock Mkt ETF	—	-0.36%	Trim
26	VOO	Vanguard S&p 500 ETF	—	-0.33%	Trim
27	VFMF	Vanguard US Multifactor ETF	—	-1.36%	Trim
28	SLYV	Ss Spdr S&p 600 Sc Val ETF	—	+0.45%	Add
29	STX	Seagate Technology Holdings plc	—	—	Unchanged
30	AOA	Ishares Core 80/20 Aggressiv	—	+22.70%	Add
31	TFC	Truist Financial CORP	—	—	Unchanged
32	VSS	Vanguard Ftse All Wo X-us Sc	0%	+0.68%	Add
33	MSFT	Microsoft CORP	0%	+0.93%	Add
34	VEU	Vanguard Ftse All-world Ex-u	0%	-5.74%	Trim
35	BSV	Vanguard Short-term Bond ETF	0%	+1.81%	Add
36	VBK	Vanguard Small-cap Grwth ETF	0%	-0.44%	Trim
37	NSC	Norfolk Southern CORP	0%	-0.07%	Trim
38	IWF	Ishares Russell 1000 Growth	0%	-13.77%	Trim
39	BND	Vanguard Total Bond Market	-0.1%	+1.94%	Add
40	SPYV	Ss Spdr P S&p 500 Value ETF	-0.1%	-10.47%	Trim
41	VNQ	Vanguard Real Estate ETF	-0.1%	+0.22%	Add
42	VUG	Vanguard Growth ETF	-0.5%	-3.53%	Trim
43	VCRB	Vanguard Core Bond ETF	—	NEW	New buy
44	SLV	Ishares Silver Trust	—	NEW	New buy
45	VOE	Vanguard Mid-cap Value ETF	—	EXIT	Sold out
46	MO	Altria Group INC	—	EXIT	Sold out
47	MDLZ	Mondelez International Inc-a	—	EXIT	Sold out
48	VGIT	Vanguard Intermediate-term T	—	NEW	New buy
49	D	Dominion Energy INC	—	EXIT	Sold out
50	ESGV	Vanguard Esg US Stock ETF	—	NEW	New buy