PP
Pearl Planning LLC Investment Portfolio (Q3 2026) — 13F Stock Holdings
Pearl Planning LLCCIK: 0002100519
Diversified strategySector-focusedMomentum follower
Total reported value
$241.0M
Reporting period: 2026-09-30 · Number of holdings: 61
Pearl Planning LLC disclosed 61 holdings in its latest 13F filing for the period ending 2026-09-30, with total reported value of $241.0M and a quarterly turnover rate of 21.5%.
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Personality snowflake
- Concentration
- 26.3
- Portfolio Stability
- 21.49
- Momentum
- 100
- Sector conviction
- 100
- Diversification
- 100
- Sizing Uniformity
- 82.5
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 61 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 1.75), 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 3% 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.
Source and citation information
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Recent moves
View source Form 13F filing on SEC.govNew buy SHYM
New buy TAXE
Trim VTV
-28.1% -$4.4M
Add AVDE
+28.0% $6.8M
Sold out MUB
Trim FRDM
-1.3% -$654.1K
Holdings Map
New buyAddUnchangedTrim
Top 10 holdings by weight
Full holdings list this quarter
| # | Ticker | Issuer | Asset Subclass | Weight | Weight Change | Shares Change | 4Q Trend |
|---|---|---|---|---|---|---|---|
| 1 | VOO | Vanguard S&p 500 ETF | ETF-Large Cap & Growth | 14.38% | +0.02% | +8.79% | |
| 2 | AVDE | Avantis International Equity | ETF-Other | 12.52% | +1.78% | +27.96% | |
| 3 | JPIE | Jpmorgan Income ETF | ETF-Other | 7.79% | -0.50% | +6.93% | |
| 4 | FBND | Fidelity Total Bond ETF | ETF-Other | 7.48% | -0.59% | +7.99% | |
| 5 | VO | Vanguard Mid-cap ETF | ETF-Other | 6.12% | -0.67% | +2.70% | |
| 6 | FRDM | Freedom 100 Emeging Mrkt ETF | ETF-Other | 4.84% | -0.83% | -1.33% | |
| 7 | VTV | Vanguard Value ETF | ETF-Other | 4.53% | -2.52% | -28.13% | |
| 8 | ESGV | Vanguard Esg US Stock ETF | ETF-Other | 4.11% | +0.42% | +20.62% | |
| 9 | DGRO | Ishares Core Dividend Growth | ETF-Other | 4.04% | +0.08% | +13.66% | |
| 10 | QQQM | Invesco Nasdaq 100 ETF | ETF-Tech | 3.34% | +0.19% | +16.82% | |
| 11 | AVUV | Avantis US Small Cap Value | ETF-Small Cap | 3.31% | -0.52% | +1.45% | |
| 12 | SHYM | Ishares Short Duration High | ETF-Other | 3.02% | +3.02% | NEW | |
| 13 | TAXE | T Rowe Price Intermed Munp B | ETF-Other | 2.96% | +2.96% | NEW | |
| 14 | TMSL | T.rowe Prc Small-mid Cap ETF | ETF-Other | 2.08% | -0.39% | +0.62% | |
| 15 | BOXX | Alpha Architect 1-3 Mnth Box | ETF-Other | 1.80% | -0.31% | -6.72% | |
| 16 | BSV | Vanguard Short-term Bond ETF | ETF-Other | 1.74% | +0.08% | +18.29% | |
| 17 | QQQ | Invesco Qqq Trust Series 1 | ETF-Tech | 1.70% | +0.04% | +13.37% | |
| 18 | QQMG | Invesco Esg Nasdaq 100 | ETF-Tech | 1.59% | +0.12% | +17.79% | |
| 19 | VCEB | Vanguard Esg US CORP Bond | ETF-Corp Bonds | 1.30% | -0.30% | -4.81% | |
| 20 | ESML | Ishares Esg Aware Msci USA S | ETF-Other | 1.07% | -0.13% | +6.07% | |
| 21 | BIL | Ss Spdr Bb 1-3m T-bill ETF | ETF-Gov Bonds | 1.07% | -0.30% | -13.75% | |
| 22 | IDMO | Invesco S&p International De | ETF-Other | 0.64% | -0.06% | -1.14% | |
| 23 | IVV | Ishares Core S&p 500 ETF | ETF-Large Cap & Growth | 0.43% | -0.03% | -0.15% | |
| 24 | JCPB | Jpmorgan Core Plus Bond ETF | ETF-Other | 0.42% | +0.42% | NEW | |
| 25 | AAPL | Apple Inc | Stock-Tech | 0.42% | +0.09% | +20.84% | |
| 26 | VB | Vanguard Small-cap ETF | ETF-Other | 0.40% | -0.08% | -1.10% | |
| 27 | QUAL | Ishares Msci USA Quality Fac | ETF-Other | 0.40% | -0.12% | -16.26% | |
| 28 | VEA | Vanguard Ftse Developed ETF | ETF-Other | 0.36% | -0.04% | -0.51% | |
| 29 | VCRB | Vanguard Core Bond ETF | ETF-Other | 0.34% | +0.34% | NEW | |
| 30 | AMZN | Amazon.com Inc | Stock-Consumer Disc | 0.34% | +0.20% | +157.10% | |
| 31 | NVDA | Nvidia CORP | Stock-Tech | 0.32% | +0.15% | +82.06% | |
| 32 | MSFT | Microsoft CORP | Stock-Tech | 0.32% | +0.12% | +31.09% | |
| 33 | AVSC | Avantis US Small Cap Equity | ETF-Small Cap | 0.32% | -0.06% | -2.65% | |
| 34 | IWF | Ishares Russell 1000 Growth | ETF-Other | 0.29% | -0.03% | — | |
| 35 | XMHQ | Invesco S&p Midcap Qual ETF | ETF-Other | 0.28% | -0.08% | -11.23% | |
| 36 | IJH | Ishares Core S&p Midcap ETF | ETF-Other | 0.27% | -0.06% | -2.46% | |
| 37 | TSLA | Tesla Inc | Stock-Consumer Disc | 0.26% | +0.26% | NEW | |
| 38 | ILCV | Ishares Morningstar Value Et | ETF-Other | 0.23% | -0.02% | +0.72% | |
| 39 | IEFA | Ishares Core Msci Eafe ETF | ETF-Other | 0.23% | -0.02% | +3.59% | |
| 40 | META | Meta Platforms Inc-class A | Stock-Comm Services | 0.22% | +0.04% | +2.29% | |
| 41 | BND | Vanguard Total Bond Market | ETF-Other | 0.19% | -0.60% | -71.56% | |
| 42 | XLK | Ss Technology Select Sector | ETF-Tech | 0.18% | -0.02% | — | |
| 43 | BIV | Vanguard Intermediate-term B | ETF-Other | 0.18% | -0.32% | -58.18% | |
| 44 | VOTE | Tcw Transform 500 ETF | ETF-Other | 0.18% | -0.01% | — | |
| 45 | GOOGL | Alphabet Inc-cl A | Stock-Comm Services | 0.17% | +0.03% | +42.92% | |
| 46 | RSG | Republic Services Inc | Stock-Industrials | 0.16% | -0.02% | — | |
| 47 | ORCL | Oracle CORP | Stock-Tech | 0.16% | -0.04% | -6.77% | |
| 48 | FEOE | First Eagle Overseas Eq ETF | ETF-Other | 0.14% | -0.01% | — | |
| 49 | VTI | Vanguard Total Stock Mkt ETF | ETF-Other | 0.14% | — | +9.13% | |
| 50 | ESGU | Ishares Esg Aware Msci USA | ETF-Other | 0.12% | -0.01% | — |
1–50 of 61
Portfolio Performance
Performance for Q4 2026
+1.3%
Performance Last 4 Quarters
+7.3%
- Stdev
- +13.3%
- Beta
- +0.81
- Alpha
- -5.9%
- Max Drawdown
- -1.8%
- Annualized Perf
- +11.2%
- Batting Avg vs S&P
- +12.5%
- Sortino
- +1.72
- Stutzer
- +0.27
- Treynor
- +0.14
- Sterling
- —
- Calmar
- +6.35
- Information Ratio
- -2.39
- Tracking Error
- +4.2%
- Stdev Down
- +6.6%
- Winning Months %
- +62.5%
- Losing Months %
- +37.5%
- Best 12 Months
- —
- Worst 12 Months
- —
- Efficiency Ratio
- +0.32
- Sharpe
- +0.86
- Stdev Sectors
- +16.9%
- Skewness
- +0.23
- Kurtosis
- -0.5
- Upside Potential
- +3.48
Reported value over time
Sector allocation
Sector allocation over time
Quarterly history
Holding changes this quarter
Pearl Planning LLC's most significant position changes for 2026-09-30: New buy: Ishares Short Duration High (SHYM); New buy: T Rowe Price Intermed Munp B (TAXE); Sold out: Ishares National Muni Bond E (MUB); New buy: Jpmorgan Core Plus Bond ETF (JCPB); New buy: Vanguard Core Bond ETF (VCRB).
1–50 of 64
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Data Source Notice: AlphaSMO is the web's most authoritative 13F / Inside Trader database. Institutional holdings and insider trades presented here are precisely computed to deliver accurate portfolio reporting.
Filing History
FAQ
What is Pearl Planning LLC and what type of investor is it?
Pearl Planning LLC is an investment manager that files SEC Form 13F quarterly, disclosing its U.S. public equity holdings to regulators. As of the most recent reporting period (2026-09-30), the firm manages a tracked equity portfolio valued at approximately $241.0M, spread across 61 disclosed positions.
What are Pearl Planning LLC's largest equity positions?
Based on the latest 13F filing, Pearl Planning LLC's top holdings by market value are:
1. Vanguard S&p 500 ETF (VOO) — $34.7M (14.4%)
2. Avantis International Equity (AVDE) — $30.2M (12.5%)
3. Jpmorgan Income ETF (JPIE) — $18.8M (7.8%)
4. Fidelity Total Bond ETF (FBND) — $18.0M (7.5%)
5. Vanguard Mid-cap ETF (VO) — $14.8M (6.1%)
What changes did Pearl Planning LLC make in its most recent portfolio filing?
In the latest reported quarter, Pearl Planning LLC made 55 notable position adjustments: 6 new positions were initiated, 28 existing holdings were added to, 18 positions were partially reduced, and 3 were completely exited. The largest of these moves: New buy: Ishares Short Duration High (SHYM); New buy: T Rowe Price Intermed Munp B (TAXE); Sold out: Ishares National Muni Bond E (MUB); New buy: Jpmorgan Core Plus Bond ETF (JCPB); New buy: Vanguard Core Bond ETF (VCRB)
What sectors does Pearl Planning LLC focus on?
Pearl Planning LLC is concentrated in the following sectors based on its current disclosed equity portfolio:
• Information Technology: 51.7%
• Consumer Discretionary: 20.0%
• Communication Services: 16.2%
• Industrials: 5.5%
• Financials: 3.8%
• Health Care: 2.8%
Investment Profile
Pearl Planning LLC returned an annualized 11.2% over the trailing 8 months — underperforming the S&P 500 by 5.9 points — based on a reconstructed track record of its disclosed 13F positions, with a beta of 0.81 (less volatile than the market) and a 13% quarterly batting average against the index.
Its portfolio is broadly diversified and moderately active, with 51.7% of the portfolio concentrated in Information Technology.
Its turnover score has risen from 0 to 21 over the past 3 quarters — a shift toward more active trading.
It has added to its AVDE position over the past two quarters (+$10.6M, now $30.2M), while trimming BND over the same stretch (-$1.6M, still holding $466.7K).
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Developer Access
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