CIK: 0002110687
Total reported value
$103.6M
Reporting period: 2026-03-31 · Number of holdings: 20
Reality Financial Planning Services, LLC disclosed 20 holdings in its latest 13F filing for the period ending 2026-03-31, with total reported value of $103.6M and a quarterly turnover rate of 5.6%.
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Reality Financial Planning Services, LLC's disclosed holdings carry a Herfindahl concentration index of 0.125 — mathematically equivalent to about 8 equally-sized positions, well below its 20 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 1.26), with a handful of outsized bets alongside many smaller positions.
Recent activity leans toward adding more aggressively to already-large existing positions than to newly initiated ones (a 2.5 percentage-point tilt) — a pattern consistent with a momentum-following approach.
Sector classification currently covers about 1% 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 VTI
-1.6% -$1.4M
Add USFR
+11.3% $728.3K
Add VYM
-0.3% $481.7K
Trim IVV
-2.6% -$646.5K
Add VPU
+8.2% $516.5K
Trim QQQ
-3.4% -$322.6K
| # | Ticker | Issuer | Asset Subclass | Weight | Weight Change | Shares Change | 4Q Trend |
|---|---|---|---|---|---|---|---|
| 1 | VTI | Vanguard Total Stock Mkt ETF | ETF-Other | 21.54% | -1.15% | -1.58% | |
| 2 | VYM | Vanguard High Dvd Yield ETF | ETF-Other | 16.81% | +0.59% | -0.34% | |
| 3 | VIG | Vanguard Dividend Apprec ETF | ETF-Other | 16.67% | -0.25% | -0.03% | |
| 4 | IVV | Ishares Core S&p 500 ETF | ETF-Large Cap & Growth | 8.11% | -0.56% | -2.63% | |
| 5 | BND | Vanguard Total Bond Market | ETF-Other | 7.42% | -0.09% | -1.39% | |
| 6 | USFR | Wisdomtree Floating Rate Tre | ETF-Other | 6.92% | +0.75% | +11.26% | |
| 7 | VPU | Vanguard Utilities ETF | ETF-Other | 3.64% | +0.52% | +8.21% | |
| 8 | USMV | Ishares Msci USA Min Vol Fac | ETF-Other | 3.35% | +0.20% | +6.89% | |
| 9 | VOO | Vanguard S&p 500 ETF | ETF-Large Cap & Growth | 3.08% | -0.15% | -0.58% | |
| 10 | QQQ | Invesco Qqq Trust Series 1 | ETF-Tech | 3.07% | -0.29% | -3.37% | |
| 11 | VXUS | Vanguard Total Intl Stock | ETF-Other | 2.73% | +0.23% | +5.90% | |
| 12 | SCHO | Schwab Short-term US Treas | ETF-Other | 1.57% | +0.20% | +14.25% | |
| 13 | SDY | Ss Spdr S&p Dividend ETF | ETF-Other | 1.03% | +0.01% | -4.34% | |
| 14 | VNQ | Vanguard Real Estate ETF | ETF-Other | 0.93% | -0.05% | -5.64% | |
| 15 | DVY | Ishares Select Dividend ETF | ETF-Other | 0.92% | +0.07% | — | |
| 16 | MUNI | Pimco Intermediate Municipal | ETF-Other | 0.68% | +0.11% | +20.46% | |
| 17 | QQQM | Invesco Nasdaq 100 ETF | ETF-Tech | 0.68% | -0.03% | +1.19% | |
| 18 | AAPL | Apple INC | Stock-Tech | 0.32% | -0.02% | — | |
| 19 | JPM | Jpmorgan Chase & Co | Stock-Financials | 0.31% | -0.03% | — | |
| 20 | MSFT | Microsoft CORP | Stock-Tech | 0.21% | -0.07% | -1.49% |
Performance for Q3 2026
—
Performance Last 4 Quarters
—
Based on 0 months of available history
Based on 43% of reported portfolio value with available pricing
Reality Financial Planning Services, LLC's most significant position changes for 2026-03-31: Trim: Vanguard Total Stock Mkt ETF (VTI) — shares -1.58%; Add: Wisdomtree Floating Rate Tre (USFR) — shares +11.26%; Trim: Vanguard High Dvd Yield ETF (VYM) — shares -0.34%; Trim: Ishares Core S&p 500 ETF (IVV) — shares -2.63%; Add: Vanguard Utilities ETF (VPU) — shares +8.21%.
| # | Ticker | Issuer | Weight Change | Shares Change | Action |
|---|---|---|---|---|---|
| 1 | USFR | Wisdomtree Floating Rate Tre | +0.8% | +11.26% | Add |
| 2 | VYM | Vanguard High Dvd Yield ETF | +0.6% | -0.34% | Trim |
| 3 | VPU | Vanguard Utilities ETF | +0.5% | +8.21% | Add |
| 4 | VXUS | Vanguard Total Intl Stock | +0.2% | +5.90% | Add |
| 5 | SCHO | Schwab Short-term US Treas | +0.2% | +14.25% | Add |
| 6 | USMV | Ishares Msci USA Min Vol Fac | +0.2% | +6.89% | Add |
| 7 | MUNI | Pimco Intermediate Municipal | +0.1% | +20.46% | Add |
| 8 | DVY | Ishares Select Dividend ETF | +0.1% | — | Unchanged |
| 9 | SDY | Ss Spdr S&p Dividend ETF | 0% | -4.34% | Trim |
| 10 | AAPL | Apple INC | 0% | — | Unchanged |
| 11 | QQQM | Invesco Nasdaq 100 ETF | 0% | +1.19% | Add |
| 12 | JPM | Jpmorgan Chase & Co | 0% | — | Unchanged |
| 13 | VNQ | Vanguard Real Estate ETF | -0.1% | -5.64% | Trim |
| 14 | MSFT | Microsoft CORP | -0.1% | -1.49% | Trim |
| 15 | BND | Vanguard Total Bond Market | -0.1% | -1.39% | Trim |
| 16 | VOO | Vanguard S&p 500 ETF | -0.2% | -0.58% | Trim |
| 17 | VIG | Vanguard Dividend Apprec ETF | -0.3% | -0.03% | Trim |
| 18 | QQQ | Invesco Qqq Trust Series 1 | -0.3% | -3.37% | Trim |
| 19 | IVV | Ishares Core S&p 500 ETF | -0.6% | -2.63% | Trim |
| 20 | VTI | Vanguard Total Stock Mkt ETF | -1.2% | -1.58% | Trim |
| Period | Filed | Type | EDGAR |
|---|---|---|---|
| 2026-03-31 | 2026-04-24 | 13F-HR | View on EDGAR |
| 2025-12-31 | 2026-02-12 | 13F-HR | View on EDGAR |
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