CIK: 0002100519
Total reported value
$187.1M
Reporting period: 2026-03-31 · Number of holdings: 52
Pearl Planning LLC disclosed 52 holdings in its latest 13F filing for the period ending 2026-03-31, with total reported value of $187.1M and a quarterly turnover rate of 30.9%.
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Pearl Planning LLC's disclosed holdings carry a Herfindahl concentration index of 0.066 — mathematically equivalent to about 15 equally-sized positions, well below its 52 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 1.58), with a handful of outsized bets alongside many smaller positions.
Recent activity leans toward initiating meaningfully larger new positions than it adds to existing ones (a 4.8 percentage-point tilt) — a pattern consistent with a more contrarian, new-idea-driven approach.
Sector classification currently covers about 2% 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 BND
-86.1% -$12.7M
Trim VOO
+4.6% -$92.6K
Trim VTV
+0.0% $383.0K
Trim ESGV
+2.9% -$307.8K
Trim VO
+5.7% $556.1K
Trim FRDM
-3.9% $227.8K
| # | Ticker | Issuer | Asset Subclass | Weight | Weight Change | Shares Change | 4Q Trend |
|---|---|---|---|---|---|---|---|
| 1 | VOO | Vanguard S&p 500 ETF | ETF-Large Cap & Growth | 13.64% | -2.03% | +4.57% | |
| 2 | AVDE | Avantis International Equity | ETF-Other | 10.48% | +0.03% | +11.30% | |
| 3 | JPIE | Jpmorgan Income ETF | ETF-Other | 8.82% | +8.82% | NEW | |
| 4 | FBND | Fidelity Total Bond ETF | ETF-Other | 8.56% | +8.56% | NEW | |
| 5 | VTV | Vanguard Value ETF | ETF-Other | 7.68% | -0.87% | +0.01% | |
| 6 | VO | Vanguard Mid-cap ETF | ETF-Other | 6.78% | -0.63% | +5.69% | |
| 7 | FRDM | Freedom 100 Emeging Mrkt ETF | ETF-Other | 5.15% | -0.60% | -3.91% | |
| 8 | DGRO | Ishares Core Dividend Growth | ETF-Other | 4.00% | -0.32% | +4.80% | |
| 9 | AVUV | Avantis US Small Cap Value | ETF-Small Cap | 3.86% | -0.12% | +2.42% | |
| 10 | ESGV | Vanguard Esg US Stock ETF | ETF-Other | 3.52% | -0.69% | +2.93% | |
| 11 | BOXX | Alpha Architect 1-3 Mnth Box | ETF-Other | 3.11% | -0.35% | +1.71% | |
| 12 | QQQM | Invesco Nasdaq 100 ETF | ETF-Tech | 2.68% | -0.44% | +4.45% | |
| 13 | TMSL | T.rowe Prc Small-mid Cap ETF | ETF-Other | 2.35% | -0.17% | +4.62% | |
| 14 | BSV | Vanguard Short-term Bond ETF | ETF-Other | 1.66% | +0.08% | +20.66% | |
| 15 | BIL | Ss Spdr Bb 1-3m T-bill ETF | ETF-Gov Bonds | 1.65% | -0.28% | -2.47% | |
| 16 | QQQ | Invesco Qqq Trust Series 1 | ETF-Tech | 1.54% | -0.34% | -0.28% | |
| 17 | VCEB | Vanguard Esg US CORP Bond | ETF-Corp Bonds | 1.39% | -0.02% | +14.66% | |
| 18 | QQMG | Invesco Esg Nasdaq 100 | ETF-Tech | 1.20% | -0.17% | +7.77% | |
| 19 | BND | Vanguard Total Bond Market | ETF-Other | 1.09% | -7.90% | -86.06% | |
| 20 | ESML | Ishares Esg Aware Msci USA S | ETF-Other | 1.09% | -0.09% | +3.21% | |
| 21 | MUB | Ishares National Muni Bond E | ETF-Other | 0.97% | -0.17% | -1.23% | |
| 22 | BIV | Vanguard Intermediate-term B | ETF-Other | 0.62% | -0.10% | — | |
| 23 | QUAL | Ishares Msci USA Quality Fac | ETF-Other | 0.58% | -0.16% | -6.26% | |
| 24 | IDMO | Invesco S&p International De | ETF-Other | 0.49% | -0.05% | +5.56% | |
| 25 | VB | Vanguard Small-cap ETF | ETF-Other | 0.48% | -0.06% | -0.12% | |
| 26 | IVV | Ishares Core S&p 500 ETF | ETF-Large Cap & Growth | 0.47% | -0.10% | -0.07% | |
| 27 | VEA | Vanguard Ftse Developed ETF | ETF-Other | 0.41% | -0.05% | -0.01% | |
| 28 | AGG | Ishares Core U.s. Aggregate | ETF-Other | 0.39% | -0.07% | -2.33% | |
| 29 | AVSC | Avantis US Small Cap Equity | ETF-Small Cap | 0.38% | -0.01% | +3.54% | |
| 30 | XMHQ | Invesco S&p Midcap Qual ETF | ETF-Other | 0.37% | -0.23% | -28.66% | |
| 31 | IJH | Ishares Core S&p Midcap ETF | ETF-Other | 0.37% | — | -1.30% | |
| 32 | IBM | Intl Business Machines CORP | Stock-Tech | 0.36% | -0.18% | -7.49% | |
| 33 | AAPL | Apple INC | Stock-Tech | 0.34% | -0.07% | +0.90% | |
| 34 | IWF | Ishares Russell 1000 Growth | ETF-Other | 0.32% | -0.09% | — | |
| 35 | IEFA | Ishares Core Msci Eafe ETF | ETF-Other | 0.27% | — | — | |
| 36 | ILCV | Ishares Morningstar Value Et | ETF-Other | 0.26% | — | — | |
| 37 | ORCL | Oracle CORP | Stock-Tech | 0.24% | -0.12% | -1.08% | |
| 38 | META | Meta Platforms Inc-class A | Stock-Comm Services | 0.22% | -0.11% | -11.38% | |
| 39 | RSG | Republic Services INC | Stock-Industrials | 0.22% | -0.02% | — | |
| 40 | MSFT | Microsoft CORP | Stock-Tech | 0.21% | -0.12% | -2.43% | |
| 41 | VOTE | Tcw Transform 500 ETF | ETF-Other | 0.19% | -0.04% | — | |
| 42 | ISTB | Ishares Core 1-5 Year Usd Bo | ETF-Other | 0.18% | — | — | |
| 43 | VBR | Vanguard Small-cap Value ETF | ETF-Other | 0.17% | -0.02% | — | |
| 44 | FEOE | First Eagle Overseas Eq ETF | ETF-Other | 0.17% | -0.02% | — | |
| 45 | XLK | Ss Technology Select Sector | ETF-Tech | 0.16% | -0.04% | — | |
| 46 | NVDA | Nvidia CORP | Stock-Tech | 0.16% | -0.03% | -0.06% | |
| 47 | VTI | Vanguard Total Stock Mkt ETF | ETF-Other | 0.14% | -0.03% | -2.42% | |
| 48 | ESGU | Ishares Esg Aware Msci USA | ETF-Other | 0.13% | -0.03% | — | |
| 49 | JPM | Jpmorgan Chase & Co | Stock-Financials | 0.13% | -0.03% | — | |
| 50 | AMZN | Amazon.com INC | Stock-Consumer Disc | 0.12% | -0.04% | -7.84% |
Performance for Q3 2026
+3.3%
Performance Last 4 Quarters
+5.5%
Based on 5 months of available history
Pearl Planning LLC's most significant position changes for 2026-03-31: New buy: Jpmorgan Income ETF (JPIE); New buy: Fidelity Total Bond ETF (FBND); Sold out: Texas Instruments INC (TXN); Sold out: Alphabet Inc-cl C (GOOG); Trim: Vanguard Total Bond Market (BND) — shares -86.06%.
| Period | Filed | Type | EDGAR |
|---|---|---|---|
| 2026-03-31 | 2026-04-30 | 13F-HR | View on EDGAR |
| 2025-12-31 | 2026-02-03 | 13F-HR | View on EDGAR |
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