Sterling Financial Planning, Inc.: 13F Holdings & AI Insights

CIK: 0001844278

Diversified strategyMomentum followerLong-term holder

Total reported value

$337.3M

Reporting period: 2026-03-31 · Number of holdings: 117

Sterling Financial Planning, Inc. disclosed 117 holdings in its latest 13F filing for the period ending 2026-03-31, with total reported value of $337.3M and a quarterly turnover rate of 5.7%.

Browse other institutions with $100M to $1B AUM Browse other institutions starting with "S"

Personality snowflake

Concentration: 12.07
Portfolio Stability: 5.73
Momentum/Contrarian: 100
Sector conviction: 42.32
Diversification: 100
Sizing Uniformity: 84.02

Sterling Financial Planning, Inc.'s disclosed holdings carry a Herfindahl concentration index of 0.030 — mathematically equivalent to about 33 equally-sized positions, well below its 117 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 1.60), 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 8% 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.

Recent moves

Trim IVW
+1.9%　-$1.2M
Add BIV
+10.7%　$980.3K
Add VCSH
+19.5%　$697.8K
Add XOM
-0.3%　$634.8K
Trim IVV
-0.8%　-$461.7K
Add DFSV
+1.1%　$728.1K

Holdings Map

New buyAddUnchangedTrim

Top 10 holdings by weight

Full holdings list this quarter

#	Ticker	Issuer	Asset Subclass	Weight	Weight Change	Shares Change
1	IAU	Ishares Gold Trust	ETF-Commodities	6.15%	-0.16%	-8.78%
2	IJJ	Ishares S&p Mid-cap 400 Valu	ETF-Other	6.05%	-0.02%	+0.59%
3	IJT	Ishares S&p Small-cap 600 Gr	ETF-Other	5.57%	+0.09%	+0.78%
4	IJK	Ishares S&p Mid-cap 400 Grow	ETF-Other	5.53%	+0.16%	+0.90%
5	IVW	Ishares S&p 500 Growth ETF	ETF-Large Cap & Growth	4.99%	-0.43%	+1.95%
6	DFIV	Dimensional International Va	ETF-Other	4.82%	+0.02%	-3.38%
7	VYM	Vanguard High Dvd Yield ETF	ETF-Other	3.58%	+0.16%	+3.00%
8	FNDX	Schwab Fndmntl US Lrg Co ETF	ETF-Other	3.50%	—	-1.91%
9	DISV	Dimensional International Sm	ETF-Other	3.47%	+0.07%	-0.16%
10	BIV	Vanguard Intermediate-term B	ETF-Other	3.28%	+0.24%	+10.71%
11	DFSV	Dimensional US Small Cap Val	ETF-Small Cap	3.01%	+0.17%	+1.11%
12	IJS	Ishares S&p Small-cap 600 Va	ETF-Other	2.69%	-0.02%	-2.98%
13	XBJA	Innovator US Eq Ac 9 Buff-j	ETF-Other	2.64%	-0.01%	+3.67%
14	IVV	Ishares Core S&p 500 ETF	ETF-Large Cap & Growth	2.40%	-0.18%	-0.80%
15	DFIP	Dimensional Inflation-protec	ETF-Other	2.11%	+0.17%	+10.38%
16	DFEV	Dimensional Emrg Mrkt Val	ETF-Other	1.88%	+0.05%	-1.65%
17	DFGR	Dim Global Real Estate ETF	ETF-Other	1.85%	+0.10%	+7.24%
18	IVE	Ishares S&p 500 Value ETF	ETF-Large Cap & Growth	1.43%	—	-0.45%
19	IJH	Ishares Core S&p Midcap ETF	ETF-Other	1.38%	—	-2.60%
20	BSV	Vanguard Short-term Bond ETF	ETF-Other	1.36%	+0.11%	+11.33%
21	GLD	Spdr Gold Shares	ETF-Commodities	1.36%	—	-9.02%
22	EFG	Ishares Msci Eafe Growth ETF	ETF-Other	1.34%	-0.06%	-0.21%
23	VCSH	Vanguard S/t CORP Bond ETF	ETF-Corp Bonds	1.31%	+0.19%	+19.50%
24	GOVT	Ishares US Treasury Bond ETF	ETF-Gov Bonds	1.31%	—	+2.07%
25	QQQ	Invesco Qqq Trust Series 1	ETF-Tech	1.19%	-0.11%	-0.90%
26	VOE	Vanguard Mid-cap Value ETF	ETF-Other	1.19%	+0.08%	+5.05%
27	AAPL	Apple INC	Stock-Tech	1.18%	-0.12%	-1.09%
28	VTEB	Vanguard Tax-exempt Bond ETF	ETF-Other	1.15%	+0.03%	+4.51%
29	VTES	Vanguard Sh Term Tax-ex Bond	ETF-Other	0.99%	+0.02%	+3.67%
30	IDV	Ishares International Select	ETF-Other	0.95%	—	-6.69%
31	VOT	Vanguard Mid-cap Growth ETF	ETF-Other	0.86%	-0.09%	+0.06%
32	BNDX	Vanguard Total Intl Bond ETF	ETF-Other	0.85%	+0.09%	+14.39%
33	VNQ	Vanguard Real Estate ETF	ETF-Other	0.84%	—	+1.87%
34	VTIP	Vanguard Short-term Tips	ETF-Other	0.83%	+0.07%	+10.34%
35	VBK	Vanguard Small-cap Grwth ETF	ETF-Other	0.76%	—	+2.91%
36	FNDC	Schwab Fndmnt Intl Sm Eq ETF	ETF-Other	0.73%	-0.04%	-7.47%
37	DGS	Wisdomtree Em Small Cap	ETF-Small Cap	0.71%	+0.02%	-0.67%
38	JNJ	Johnson & Johnson	Stock-Healthcare	0.70%	+0.06%	-5.30%
39	VBR	Vanguard Small-cap Value ETF	ETF-Other	0.67%	-0.06%	-9.16%
40	XOM	Exxon Mobil CORP	Stock-Energy	0.65%	+0.18%	-0.31%
41	VEA	Vanguard Ftse Developed ETF	ETF-Other	0.55%	—	-2.43%
42	MUB	Ishares National Muni Bond E	ETF-Other	0.51%	—	-0.03%
43	SPY	Ss Spdr S&p 500 ETF Trust-us	ETF-Large Cap & Growth	0.50%	-0.04%	-1.26%
44	TIP	Ishares Tips Bond ETF	ETF-Other	0.47%	—	-3.98%
45	PRF	Invesco Rafi US 1000 ETF	ETF-Other	0.43%	—	+0.02%
46	IJR	Ishares Core S&p Small-cap E	ETF-Small Cap	0.41%	—	-0.94%
47	SCZ	Ishares Msci Eafe Small-cap	ETF-Other	0.38%	—	-6.25%
48	MSFT	Microsoft CORP	Stock-Tech	0.36%	-0.14%	-3.68%
49	DFAR	Dimensional US Real Est ETF	ETF-Other	0.35%	+0.02%	+5.16%
50	BRK-B	Berkshire Hathaway Inc-cl B	Stock-Other	0.32%	—	—

1–50 of 117

Portfolio Performance

Performance for Q3 2026

+1.7%

Performance Last 4 Quarters

+21.5%

Based on 61% of reported portfolio value with available pricing

Stdev: +10.4%
Beta: +0.64
Alpha: +3%
Max Drawdown: -5.9%
Annualized Perf: +15.2%
Batting Avg vs S&P: +47.2%
Sortino: +2.78
Stutzer: +0.41
Treynor: +0.23
Sterling: +1.01
Calmar: +2.58
Information Ratio: -0.48
Tracking Error: +7.8%
Stdev Down: +5.3%
Winning Months %: +66.7%
Losing Months %: +33.3%
Best 12 Months: +27.7%
Worst 12 Months: +8.8%
Efficiency Ratio: +0.55
Sharpe: +1.42
Stdev Sectors: +6.4%
Skewness: -0.28
Kurtosis: -0.65
Upside Potential: +4.4

Reported value over time

Sector allocation

Sector allocation over time

Quarterly history

Period	Holdings	Total value	Stability	Top holdings
2026-03-31	117	$337.3M	6	1IAU 2IJJ 3IJT Top holdings2026-03-31 1.IAU 2.IJJ 3.IJT 4.IJK 5.IVW 6.DFIV 7.VYM 8.FNDX 9.DISV 10.BIV
2025-12-31	120	$331.8M	5	1IAU 2IJJ 3IJT Top holdings2025-12-31 1.IAU 2.IJJ 3.IJT 4.IVW 5.IJK 6.DFIV 7.FNDX 8.VYM 9.DISV 10.BIV
2025-09-30	116	$317.1M	15	1IAU 2IJJ 3IVW Top holdings2025-09-30 1.IAU 2.IJJ 3.IVW 4.IJT 5.IJK 6.DFIV 7.FNDX 8.VYM 9.DISV 10.DFSV
2025-06-30	116	$299.3M	0	1IJJ 2IAU 3IVW Top holdings2025-06-30 1.IJJ 2.IAU 3.IVW 4.IJT 5.IJK 6.DFIV 7.FNDX 8.VYM 9.DISV 10.DFSV
2025-03-31	109	$275.7M	100	1IAU 2IJJ 3IJT Top holdings2025-03-31 1.IAU 2.IJJ 3.IJT 4.IJK 5.IVW 6.DFIV 7.FNDX 8.VYM 9.DISV 10.IJS
2024-12-31	108	$271.8M	0	1IJJ 2IAU 3IVW Top holdings2024-12-31 1.IJJ 2.IAU 3.IVW 4.IJT 5.IJK 6.DFIV 7.FNDX 8.VYM 9.IJS 10.IVV
2024-09-30	108	$271.2M	0	1IJJ 2IAU 3IJT Top holdings2024-09-30 1.IJJ 2.IAU 3.IJT 4.IJK 5.IVW 6.DFIV 7.FNDX 8.VYM 9.IJS 10.BIV
2024-06-30	106	$246.5M	0	1IJJ 2IVW 3IAU Top holdings2024-06-30 1.IJJ 2.IVW 3.IAU 4.IJT 5.IJK 6.DFIV 7.FNDX 8.VYM 9.IJS 10.IVV
2024-03-31	105	$246.8M	0	1IJJ 2IAU 3IJK Top holdings2024-03-31 1.IJJ 2.IAU 3.IJK 4.IJT 5.IVW 6.FNDX 7.DFIV 8.IJS 9.VYM 10.IVV
2023-12-31	102	$231.0M	0	1IJJ 2IJT 3IAU Top holdings2023-12-31 1.IJJ 2.IJT 3.IAU 4.IVW 5.IJK 6.IJS 7.FNDX 8.DFIV 9.VYM 10.IVV
2023-09-30	93	$195.2M	0	1IJJ 2IAU 3IVW Top holdings2023-09-30 1.IJJ 2.IAU 3.IVW 4.IJT 5.IJK 6.IJS 7.FNDX 8.VYM 9.DFIV 10.IVV
2023-06-30	98	$201.8M	0	1IJJ 2IAU 3IVW Top holdings2023-06-30 1.IJJ 2.IAU 3.IVW 4.IJK 5.IJT 6.IJS 7.FNDX 8.VYM 9.DFIV 10.IVV
2023-03-31	95	$184.2M	0	1IAU 2IJJ 3IJK Top holdings2023-03-31 1.IAU 2.IJJ 3.IJK 4.IJT 5.IVW 6.IJS 7.FNDX 8.VYM 9.IVV 10.DFIV
2022-12-31	90	$167.6M	0	1IAU 2IJJ 3IJT Top holdings2022-12-31 1.IAU 2.IJJ 3.IJT 4.IJK 5.IJS 6.IVW 7.FNDX 8.VYM 9.IJH 10.IVV
2022-09-30	83	$142.6M	0	1IAU 2IJJ 3IJT Top holdings2022-09-30 1.IAU 2.IJJ 3.IJT 4.IJK 5.IVW 6.IJS 7.FNDX 8.IJH 9.IVV 10.VYM
2022-06-30	89	$142.3M	0	1IJJ 2IAU 3IJK Top holdings2022-06-30 1.IJJ 2.IAU 3.IJK 4.IJT 5.IVW 6.IJS 7.FNDX 8.IJH 9.IVV 10.IDV
2022-03-31	95	$158.8M	0	1IJJ 2IAU 3IVW Top holdings2022-03-31 1.IJJ 2.IAU 3.IVW 4.IJK 5.IJT 6.IJS 7.FNDX 8.IJH 9.IVV 10.IDV
2021-12-31	95	$159.9M	0	1IJJ 2IVW 3IJK Top holdings2021-12-31 1.IJJ 2.IVW 3.IJK 4.IJT 5.IJS 6.IAU 7.IJH 8.FNDX 9.IVV 10.VEA
2021-09-30	428	$157.1M	0	1IJJ 2IJK 3IVW Top holdings2021-09-30 1.IJJ 2.IJK 3.IVW 4.IJT 5.IJS 6.IAU 7.IJH 8.FNDX 9.IVV 10.VEA
2021-06-30	402	$154.0M	100	1IJJ 2IJK 3IVW Top holdings2021-06-30 1.IJJ 2.IJK 3.IVW 4.IJT 5.IJS 6.IAU 7.IJH 8.FNDX 9.IVV 10.VEA
2021-03-31	383	$140.2M	15	1IJJ 2IJK 3IJT Top holdings2021-03-31 1.IJJ 2.IJK 3.IJT 4.IVW 5.IJS 6.IJH 7.IAUUSD 8.FNDX 9.IVV 10.VEA
2020-12-31	360	$124.2M	—	1IJK 2IJJ 3IVW Top holdings2020-12-31 1.IJK 2.IJJ 3.IVW 4.IJT 5.IJH 6.IJS 7.FNDX 8.IVV 9.VEA 10.IAUUSD

Holding changes this quarter

Sterling Financial Planning, Inc.'s most significant position changes for 2026-03-31: New buy: Abbott Laboratories (ABT); Sold out: Guinness Atkinson Dvd Bl-usd (DIVS); New buy: Vanguard Energy ETF (VDE); Sold out: Ishares U.s. Medical Devices (IHI); Sold out: Otis Worldwide CORP (OTIS).

Position changes disclosed by Sterling Financial Planning, Inc. for the quarter ending 2026-03-31, including ticker, issuer, weight change, shares change, and action
#	Ticker	Issuer	Weight Change	Shares Change	Action
1	BIV	Vanguard Intermediate-term B	+0.2%	+10.71%	Add
2	VCSH	Vanguard S/t CORP Bond ETF	+0.2%	+19.50%	Add
3	XOM	Exxon Mobil CORP	+0.2%	-0.31%	Trim
4	DFSV	Dimensional US Small Cap Val	+0.2%	+1.11%	Add
5	DFIP	Dimensional Inflation-protec	+0.2%	+10.38%	Add
6	IJK	Ishares S&p Mid-cap 400 Grow	+0.2%	+0.90%	Add
7	VYM	Vanguard High Dvd Yield ETF	+0.2%	+3.00%	Add
8	BSV	Vanguard Short-term Bond ETF	+0.1%	+11.33%	Add
9	DFGR	Dim Global Real Estate ETF	+0.1%	+7.24%	Add
10	IJT	Ishares S&p Small-cap 600 Gr	+0.1%	+0.78%	Add
11	BNDX	Vanguard Total Intl Bond ETF	+0.1%	+14.39%	Add
12	VOE	Vanguard Mid-cap Value ETF	+0.1%	+5.05%	Add
13	DISV	Dimensional International Sm	+0.1%	-0.16%	Trim
14	VTIP	Vanguard Short-term Tips	+0.1%	+10.34%	Add
15	JNJ	Johnson & Johnson	+0.1%	-5.30%	Trim
16	CPSY	Calamos S&p 500 Sap ETF Jan	+0.1%	+44.58%	Add
17	DFEV	Dimensional Emrg Mrkt Val	+0.1%	-1.65%	Trim
18	COST	Costco Wholesale CORP	+0.1%	+21.86%	Add
19	VTEB	Vanguard Tax-exempt Bond ETF	0%	+4.51%	Add
20	DFIV	Dimensional International Va	0%	-3.38%	Trim
21	VTES	Vanguard Sh Term Tax-ex Bond	0%	+3.67%	Add
22	DGS	Wisdomtree Em Small Cap	0%	-0.67%	Trim
23	DFAR	Dimensional US Real Est ETF	0%	+5.16%	Add
24	XBJA	Innovator US Eq Ac 9 Buff-j	0%	+3.67%	Add
25	IJJ	Ishares S&p Mid-cap 400 Valu	0%	+0.59%	Add
26	IJS	Ishares S&p Small-cap 600 Va	0%	-2.98%	Trim
27	IBM	Intl Business Machines CORP	0%	—	Unchanged
28	LLY	Eli Lilly & Co	0%	—	Unchanged
29	SPY	Ss Spdr S&p 500 ETF Trust-us	0%	-1.26%	Trim
30	FNDC	Schwab Fndmnt Intl Sm Eq ETF	0%	-7.47%	Trim
31	SIGI	Selective Insurance Group	-0.1%	-4.87%	Trim
32	VBR	Vanguard Small-cap Value ETF	-0.1%	-9.16%	Trim
33	EFG	Ishares Msci Eafe Growth ETF	-0.1%	-0.21%	Trim
34	VOT	Vanguard Mid-cap Growth ETF	-0.1%	+0.06%	Add
35	QQQ	Invesco Qqq Trust Series 1	-0.1%	-0.90%	Trim
36	BND	Vanguard Total Bond Market	-0.1%	-63.36%	Trim
37	AAPL	Apple INC	-0.1%	-1.09%	Trim
38	MSFT	Microsoft CORP	-0.1%	-3.68%	Trim
39	IAU	Ishares Gold Trust	-0.2%	-8.78%	Trim
40	IVV	Ishares Core S&p 500 ETF	-0.2%	-0.80%	Trim
41	IVW	Ishares S&p 500 Growth ETF	-0.4%	+1.95%	Add
42	ABT	Abbott Laboratories	—	NEW	New buy
43	DIVS	Guinness Atkinson Dvd Bl-usd	—	EXIT	Sold out
44	VDE	Vanguard Energy ETF	—	NEW	New buy
45	IHI	Ishares U.s. Medical Devices	—	EXIT	Sold out
46	OTIS	Otis Worldwide CORP	—	EXIT	Sold out
47	BDX	Becton Dickinson And Co	—	EXIT	Sold out
48	RCL	Royal Caribbean Cruises Ltd.	—	EXIT	Sold out
49	PRU	Prudential Financial INC	—	EXIT	Sold out
50	UFEB	Innovator U.s. Equity Ultra	—	NEW	New buy

Filing History

Period	Filed	Type	EDGAR
2026-03-31	2026-05-06	13F-HR	View on EDGAR
2025-12-31	2026-01-27	13F-HR	View on EDGAR
2025-09-30	2025-10-24	13F-HR	View on EDGAR
2025-06-30	2025-07-28	13F-HR	View on EDGAR
2025-03-31	2025-04-29	13F-HR	View on EDGAR
2024-12-31	2025-02-03	13F-HR	View on EDGAR
2024-09-30	2024-10-31	13F-HR	View on EDGAR
2024-06-30	2024-07-30	13F-HR	View on EDGAR
2024-03-31	2024-05-06	13F-HR	View on EDGAR
2023-12-31	2024-01-31	13F-HR	View on EDGAR
2023-09-30	2023-11-06	13F-HR	View on EDGAR
2023-06-30	2023-07-28	13F-HR	View on EDGAR
2023-03-31	2023-05-04	13F-HR	View on EDGAR
2022-12-31	2023-02-07	13F-HR	View on EDGAR
2022-09-30	2022-11-02	13F-HR	View on EDGAR
2022-06-30	2022-07-27	13F-HR	View on EDGAR
2022-03-31	2022-05-10	13F-HR	View on EDGAR
2021-12-31	2022-02-02	13F-HR	View on EDGAR
2021-09-30	2021-10-28	13F-HR	View on EDGAR
2021-06-30	2021-08-02	13F-HR	View on EDGAR
2021-03-31	2021-04-28	13F-HR	View on EDGAR
2020-12-31	2021-02-10	13F-HR	View on EDGAR

FAQ

What is Sterling Financial Planning, Inc. and what type of investor is it?

Sterling Financial Planning, Inc. is a investment manager that files SEC Form 13F quarterly, disclosing its U.S. public equity holdings to regulators. As of the most recent reporting period (2026-03-31), the firm manages a tracked equity portfolio valued at approximately $337.3M, spread across 117 disclosed positions.

What are Sterling Financial Planning, Inc.'s largest equity positions?

Based on the latest 13F filing, Sterling Financial Planning, Inc.'s top holdings by market value are: 1. Ishares Gold Trust (IAU) — $20.7M (6.2%) 2. Ishares S&p Mid-cap 400 Valu (IJJ) — $20.4M (6.0%) 3. Ishares S&p Small-cap 600 Gr (IJT) — $18.8M (5.6%) 4. Ishares S&p Mid-cap 400 Grow (IJK) — $18.7M (5.5%) 5. Ishares S&p 500 Growth ETF (IVW) — $16.8M (5.0%)

What changes did Sterling Financial Planning, Inc. make in its most recent portfolio filing?

In the latest reported quarter, Sterling Financial Planning, Inc. made 48 notable position adjustments: 3 new positions were initiated, 21 existing holdings were added to, 18 positions were partially reduced, and 6 were completely exited. The largest of these moves: New buy: Abbott Laboratories (ABT); Sold out: Guinness Atkinson Dvd Bl-usd (DIVS); New buy: Vanguard Energy ETF (VDE); Sold out: Ishares U.s. Medical Devices (IHI); Sold out: Otis Worldwide CORP (OTIS)

What sectors does Sterling Financial Planning, Inc. focus on?

Sterling Financial Planning, Inc. is concentrated in the following sectors based on its current disclosed equity portfolio: • Information Technology: 24.8% • Health Care: 16.1% • Industrials: 12.7% • Energy: 11.2% • Financials: 9.6% • Communication Services: 8.4%

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Sterling Financial Planning, Inc.: 13F Holdings & AI Insights

CIK: 0001844278

Diversified strategyMomentum followerLong-term holder

Total reported value

$337.3M

Reporting period: 2026-03-31 · Number of holdings: 117

Sterling Financial Planning, Inc. disclosed 117 holdings in its latest 13F filing for the period ending 2026-03-31, with total reported value of $337.3M and a quarterly turnover rate of 5.7%.

Browse other institutions with $100M to $1B AUM Browse other institutions starting with "S"

Personality snowflake

Concentration: 12.07
Portfolio Stability: 5.73
Momentum/Contrarian: 100
Sector conviction: 42.32
Diversification: 100
Sizing Uniformity: 84.02

Position sizes vary widely across the portfolio (a coefficient of variation of 1.60), 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.

Recent moves

Trim IVW
+1.9%　-$1.2M
Add BIV
+10.7%　$980.3K
Add VCSH
+19.5%　$697.8K
Add XOM
-0.3%　$634.8K
Trim IVV
-0.8%　-$461.7K
Add DFSV
+1.1%　$728.1K

Holdings Map

New buyAddUnchangedTrim

Top 10 holdings by weight

Full holdings list this quarter

#	Ticker	Issuer	Asset Subclass	Weight	Weight Change	Shares Change
1	IAU	Ishares Gold Trust	ETF-Commodities	6.15%	-0.16%	-8.78%
2	IJJ	Ishares S&p Mid-cap 400 Valu	ETF-Other	6.05%	-0.02%	+0.59%
3	IJT	Ishares S&p Small-cap 600 Gr	ETF-Other	5.57%	+0.09%	+0.78%
4	IJK	Ishares S&p Mid-cap 400 Grow	ETF-Other	5.53%	+0.16%	+0.90%
5	IVW	Ishares S&p 500 Growth ETF	ETF-Large Cap & Growth	4.99%	-0.43%	+1.95%
6	DFIV	Dimensional International Va	ETF-Other	4.82%	+0.02%	-3.38%
7	VYM	Vanguard High Dvd Yield ETF	ETF-Other	3.58%	+0.16%	+3.00%
8	FNDX	Schwab Fndmntl US Lrg Co ETF	ETF-Other	3.50%	—	-1.91%
9	DISV	Dimensional International Sm	ETF-Other	3.47%	+0.07%	-0.16%
10	BIV	Vanguard Intermediate-term B	ETF-Other	3.28%	+0.24%	+10.71%
11	DFSV	Dimensional US Small Cap Val	ETF-Small Cap	3.01%	+0.17%	+1.11%
12	IJS	Ishares S&p Small-cap 600 Va	ETF-Other	2.69%	-0.02%	-2.98%
13	XBJA	Innovator US Eq Ac 9 Buff-j	ETF-Other	2.64%	-0.01%	+3.67%
14	IVV	Ishares Core S&p 500 ETF	ETF-Large Cap & Growth	2.40%	-0.18%	-0.80%
15	DFIP	Dimensional Inflation-protec	ETF-Other	2.11%	+0.17%	+10.38%
16	DFEV	Dimensional Emrg Mrkt Val	ETF-Other	1.88%	+0.05%	-1.65%
17	DFGR	Dim Global Real Estate ETF	ETF-Other	1.85%	+0.10%	+7.24%
18	IVE	Ishares S&p 500 Value ETF	ETF-Large Cap & Growth	1.43%	—	-0.45%
19	IJH	Ishares Core S&p Midcap ETF	ETF-Other	1.38%	—	-2.60%
20	BSV	Vanguard Short-term Bond ETF	ETF-Other	1.36%	+0.11%	+11.33%
21	GLD	Spdr Gold Shares	ETF-Commodities	1.36%	—	-9.02%
22	EFG	Ishares Msci Eafe Growth ETF	ETF-Other	1.34%	-0.06%	-0.21%
23	VCSH	Vanguard S/t CORP Bond ETF	ETF-Corp Bonds	1.31%	+0.19%	+19.50%
24	GOVT	Ishares US Treasury Bond ETF	ETF-Gov Bonds	1.31%	—	+2.07%
25	QQQ	Invesco Qqq Trust Series 1	ETF-Tech	1.19%	-0.11%	-0.90%
26	VOE	Vanguard Mid-cap Value ETF	ETF-Other	1.19%	+0.08%	+5.05%
27	AAPL	Apple INC	Stock-Tech	1.18%	-0.12%	-1.09%
28	VTEB	Vanguard Tax-exempt Bond ETF	ETF-Other	1.15%	+0.03%	+4.51%
29	VTES	Vanguard Sh Term Tax-ex Bond	ETF-Other	0.99%	+0.02%	+3.67%
30	IDV	Ishares International Select	ETF-Other	0.95%	—	-6.69%
31	VOT	Vanguard Mid-cap Growth ETF	ETF-Other	0.86%	-0.09%	+0.06%
32	BNDX	Vanguard Total Intl Bond ETF	ETF-Other	0.85%	+0.09%	+14.39%
33	VNQ	Vanguard Real Estate ETF	ETF-Other	0.84%	—	+1.87%
34	VTIP	Vanguard Short-term Tips	ETF-Other	0.83%	+0.07%	+10.34%
35	VBK	Vanguard Small-cap Grwth ETF	ETF-Other	0.76%	—	+2.91%
36	FNDC	Schwab Fndmnt Intl Sm Eq ETF	ETF-Other	0.73%	-0.04%	-7.47%
37	DGS	Wisdomtree Em Small Cap	ETF-Small Cap	0.71%	+0.02%	-0.67%
38	JNJ	Johnson & Johnson	Stock-Healthcare	0.70%	+0.06%	-5.30%
39	VBR	Vanguard Small-cap Value ETF	ETF-Other	0.67%	-0.06%	-9.16%
40	XOM	Exxon Mobil CORP	Stock-Energy	0.65%	+0.18%	-0.31%
41	VEA	Vanguard Ftse Developed ETF	ETF-Other	0.55%	—	-2.43%
42	MUB	Ishares National Muni Bond E	ETF-Other	0.51%	—	-0.03%
43	SPY	Ss Spdr S&p 500 ETF Trust-us	ETF-Large Cap & Growth	0.50%	-0.04%	-1.26%
44	TIP	Ishares Tips Bond ETF	ETF-Other	0.47%	—	-3.98%
45	PRF	Invesco Rafi US 1000 ETF	ETF-Other	0.43%	—	+0.02%
46	IJR	Ishares Core S&p Small-cap E	ETF-Small Cap	0.41%	—	-0.94%
47	SCZ	Ishares Msci Eafe Small-cap	ETF-Other	0.38%	—	-6.25%
48	MSFT	Microsoft CORP	Stock-Tech	0.36%	-0.14%	-3.68%
49	DFAR	Dimensional US Real Est ETF	ETF-Other	0.35%	+0.02%	+5.16%
50	BRK-B	Berkshire Hathaway Inc-cl B	Stock-Other	0.32%	—	—

1–50 of 117

Portfolio Performance

Performance for Q3 2026

+1.7%

Performance Last 4 Quarters

+21.5%

Based on 61% of reported portfolio value with available pricing

Stdev: +10.4%
Beta: +0.64
Alpha: +3%
Max Drawdown: -5.9%
Annualized Perf: +15.2%
Batting Avg vs S&P: +47.2%
Sortino: +2.78
Stutzer: +0.41
Treynor: +0.23
Sterling: +1.01
Calmar: +2.58
Information Ratio: -0.48
Tracking Error: +7.8%
Stdev Down: +5.3%
Winning Months %: +66.7%
Losing Months %: +33.3%
Best 12 Months: +27.7%
Worst 12 Months: +8.8%
Efficiency Ratio: +0.55
Sharpe: +1.42
Stdev Sectors: +6.4%
Skewness: -0.28
Kurtosis: -0.65
Upside Potential: +4.4

Reported value over time

Sector allocation

Sector allocation over time

Quarterly history

Period	Holdings	Total value	Stability	Top holdings
2026-03-31	117	$337.3M	6	1IAU 2IJJ 3IJT Top holdings2026-03-31 1.IAU 2.IJJ 3.IJT 4.IJK 5.IVW 6.DFIV 7.VYM 8.FNDX 9.DISV 10.BIV
2025-12-31	120	$331.8M	5	1IAU 2IJJ 3IJT Top holdings2025-12-31 1.IAU 2.IJJ 3.IJT 4.IVW 5.IJK 6.DFIV 7.FNDX 8.VYM 9.DISV 10.BIV
2025-09-30	116	$317.1M	15	1IAU 2IJJ 3IVW Top holdings2025-09-30 1.IAU 2.IJJ 3.IVW 4.IJT 5.IJK 6.DFIV 7.FNDX 8.VYM 9.DISV 10.DFSV
2025-06-30	116	$299.3M	0	1IJJ 2IAU 3IVW Top holdings2025-06-30 1.IJJ 2.IAU 3.IVW 4.IJT 5.IJK 6.DFIV 7.FNDX 8.VYM 9.DISV 10.DFSV
2025-03-31	109	$275.7M	100	1IAU 2IJJ 3IJT Top holdings2025-03-31 1.IAU 2.IJJ 3.IJT 4.IJK 5.IVW 6.DFIV 7.FNDX 8.VYM 9.DISV 10.IJS
2024-12-31	108	$271.8M	0	1IJJ 2IAU 3IVW Top holdings2024-12-31 1.IJJ 2.IAU 3.IVW 4.IJT 5.IJK 6.DFIV 7.FNDX 8.VYM 9.IJS 10.IVV
2024-09-30	108	$271.2M	0	1IJJ 2IAU 3IJT Top holdings2024-09-30 1.IJJ 2.IAU 3.IJT 4.IJK 5.IVW 6.DFIV 7.FNDX 8.VYM 9.IJS 10.BIV
2024-06-30	106	$246.5M	0	1IJJ 2IVW 3IAU Top holdings2024-06-30 1.IJJ 2.IVW 3.IAU 4.IJT 5.IJK 6.DFIV 7.FNDX 8.VYM 9.IJS 10.IVV
2024-03-31	105	$246.8M	0	1IJJ 2IAU 3IJK Top holdings2024-03-31 1.IJJ 2.IAU 3.IJK 4.IJT 5.IVW 6.FNDX 7.DFIV 8.IJS 9.VYM 10.IVV
2023-12-31	102	$231.0M	0	1IJJ 2IJT 3IAU Top holdings2023-12-31 1.IJJ 2.IJT 3.IAU 4.IVW 5.IJK 6.IJS 7.FNDX 8.DFIV 9.VYM 10.IVV
2023-09-30	93	$195.2M	0	1IJJ 2IAU 3IVW Top holdings2023-09-30 1.IJJ 2.IAU 3.IVW 4.IJT 5.IJK 6.IJS 7.FNDX 8.VYM 9.DFIV 10.IVV
2023-06-30	98	$201.8M	0	1IJJ 2IAU 3IVW Top holdings2023-06-30 1.IJJ 2.IAU 3.IVW 4.IJK 5.IJT 6.IJS 7.FNDX 8.VYM 9.DFIV 10.IVV
2023-03-31	95	$184.2M	0	1IAU 2IJJ 3IJK Top holdings2023-03-31 1.IAU 2.IJJ 3.IJK 4.IJT 5.IVW 6.IJS 7.FNDX 8.VYM 9.IVV 10.DFIV
2022-12-31	90	$167.6M	0	1IAU 2IJJ 3IJT Top holdings2022-12-31 1.IAU 2.IJJ 3.IJT 4.IJK 5.IJS 6.IVW 7.FNDX 8.VYM 9.IJH 10.IVV
2022-09-30	83	$142.6M	0	1IAU 2IJJ 3IJT Top holdings2022-09-30 1.IAU 2.IJJ 3.IJT 4.IJK 5.IVW 6.IJS 7.FNDX 8.IJH 9.IVV 10.VYM
2022-06-30	89	$142.3M	0	1IJJ 2IAU 3IJK Top holdings2022-06-30 1.IJJ 2.IAU 3.IJK 4.IJT 5.IVW 6.IJS 7.FNDX 8.IJH 9.IVV 10.IDV
2022-03-31	95	$158.8M	0	1IJJ 2IAU 3IVW Top holdings2022-03-31 1.IJJ 2.IAU 3.IVW 4.IJK 5.IJT 6.IJS 7.FNDX 8.IJH 9.IVV 10.IDV
2021-12-31	95	$159.9M	0	1IJJ 2IVW 3IJK Top holdings2021-12-31 1.IJJ 2.IVW 3.IJK 4.IJT 5.IJS 6.IAU 7.IJH 8.FNDX 9.IVV 10.VEA
2021-09-30	428	$157.1M	0	1IJJ 2IJK 3IVW Top holdings2021-09-30 1.IJJ 2.IJK 3.IVW 4.IJT 5.IJS 6.IAU 7.IJH 8.FNDX 9.IVV 10.VEA
2021-06-30	402	$154.0M	100	1IJJ 2IJK 3IVW Top holdings2021-06-30 1.IJJ 2.IJK 3.IVW 4.IJT 5.IJS 6.IAU 7.IJH 8.FNDX 9.IVV 10.VEA
2021-03-31	383	$140.2M	15	1IJJ 2IJK 3IJT Top holdings2021-03-31 1.IJJ 2.IJK 3.IJT 4.IVW 5.IJS 6.IJH 7.IAUUSD 8.FNDX 9.IVV 10.VEA
2020-12-31	360	$124.2M	—	1IJK 2IJJ 3IVW Top holdings2020-12-31 1.IJK 2.IJJ 3.IVW 4.IJT 5.IJH 6.IJS 7.FNDX 8.IVV 9.VEA 10.IAUUSD

Holding changes this quarter

Position changes disclosed by Sterling Financial Planning, Inc. for the quarter ending 2026-03-31, including ticker, issuer, weight change, shares change, and action
#	Ticker	Issuer	Weight Change	Shares Change	Action
1	BIV	Vanguard Intermediate-term B	+0.2%	+10.71%	Add
2	VCSH	Vanguard S/t CORP Bond ETF	+0.2%	+19.50%	Add
3	XOM	Exxon Mobil CORP	+0.2%	-0.31%	Trim
4	DFSV	Dimensional US Small Cap Val	+0.2%	+1.11%	Add
5	DFIP	Dimensional Inflation-protec	+0.2%	+10.38%	Add
6	IJK	Ishares S&p Mid-cap 400 Grow	+0.2%	+0.90%	Add
7	VYM	Vanguard High Dvd Yield ETF	+0.2%	+3.00%	Add
8	BSV	Vanguard Short-term Bond ETF	+0.1%	+11.33%	Add
9	DFGR	Dim Global Real Estate ETF	+0.1%	+7.24%	Add
10	IJT	Ishares S&p Small-cap 600 Gr	+0.1%	+0.78%	Add
11	BNDX	Vanguard Total Intl Bond ETF	+0.1%	+14.39%	Add
12	VOE	Vanguard Mid-cap Value ETF	+0.1%	+5.05%	Add
13	DISV	Dimensional International Sm	+0.1%	-0.16%	Trim
14	VTIP	Vanguard Short-term Tips	+0.1%	+10.34%	Add
15	JNJ	Johnson & Johnson	+0.1%	-5.30%	Trim
16	CPSY	Calamos S&p 500 Sap ETF Jan	+0.1%	+44.58%	Add
17	DFEV	Dimensional Emrg Mrkt Val	+0.1%	-1.65%	Trim
18	COST	Costco Wholesale CORP	+0.1%	+21.86%	Add
19	VTEB	Vanguard Tax-exempt Bond ETF	0%	+4.51%	Add
20	DFIV	Dimensional International Va	0%	-3.38%	Trim
21	VTES	Vanguard Sh Term Tax-ex Bond	0%	+3.67%	Add
22	DGS	Wisdomtree Em Small Cap	0%	-0.67%	Trim
23	DFAR	Dimensional US Real Est ETF	0%	+5.16%	Add
24	XBJA	Innovator US Eq Ac 9 Buff-j	0%	+3.67%	Add
25	IJJ	Ishares S&p Mid-cap 400 Valu	0%	+0.59%	Add
26	IJS	Ishares S&p Small-cap 600 Va	0%	-2.98%	Trim
27	IBM	Intl Business Machines CORP	0%	—	Unchanged
28	LLY	Eli Lilly & Co	0%	—	Unchanged
29	SPY	Ss Spdr S&p 500 ETF Trust-us	0%	-1.26%	Trim
30	FNDC	Schwab Fndmnt Intl Sm Eq ETF	0%	-7.47%	Trim
31	SIGI	Selective Insurance Group	-0.1%	-4.87%	Trim
32	VBR	Vanguard Small-cap Value ETF	-0.1%	-9.16%	Trim
33	EFG	Ishares Msci Eafe Growth ETF	-0.1%	-0.21%	Trim
34	VOT	Vanguard Mid-cap Growth ETF	-0.1%	+0.06%	Add
35	QQQ	Invesco Qqq Trust Series 1	-0.1%	-0.90%	Trim
36	BND	Vanguard Total Bond Market	-0.1%	-63.36%	Trim
37	AAPL	Apple INC	-0.1%	-1.09%	Trim
38	MSFT	Microsoft CORP	-0.1%	-3.68%	Trim
39	IAU	Ishares Gold Trust	-0.2%	-8.78%	Trim
40	IVV	Ishares Core S&p 500 ETF	-0.2%	-0.80%	Trim
41	IVW	Ishares S&p 500 Growth ETF	-0.4%	+1.95%	Add
42	ABT	Abbott Laboratories	—	NEW	New buy
43	DIVS	Guinness Atkinson Dvd Bl-usd	—	EXIT	Sold out
44	VDE	Vanguard Energy ETF	—	NEW	New buy
45	IHI	Ishares U.s. Medical Devices	—	EXIT	Sold out
46	OTIS	Otis Worldwide CORP	—	EXIT	Sold out
47	BDX	Becton Dickinson And Co	—	EXIT	Sold out
48	RCL	Royal Caribbean Cruises Ltd.	—	EXIT	Sold out
49	PRU	Prudential Financial INC	—	EXIT	Sold out
50	UFEB	Innovator U.s. Equity Ultra	—	NEW	New buy

Filing History

Period	Filed	Type	EDGAR
2026-03-31	2026-05-06	13F-HR	View on EDGAR
2025-12-31	2026-01-27	13F-HR	View on EDGAR
2025-09-30	2025-10-24	13F-HR	View on EDGAR
2025-06-30	2025-07-28	13F-HR	View on EDGAR
2025-03-31	2025-04-29	13F-HR	View on EDGAR
2024-12-31	2025-02-03	13F-HR	View on EDGAR
2024-09-30	2024-10-31	13F-HR	View on EDGAR
2024-06-30	2024-07-30	13F-HR	View on EDGAR
2024-03-31	2024-05-06	13F-HR	View on EDGAR
2023-12-31	2024-01-31	13F-HR	View on EDGAR
2023-09-30	2023-11-06	13F-HR	View on EDGAR
2023-06-30	2023-07-28	13F-HR	View on EDGAR
2023-03-31	2023-05-04	13F-HR	View on EDGAR
2022-12-31	2023-02-07	13F-HR	View on EDGAR
2022-09-30	2022-11-02	13F-HR	View on EDGAR
2022-06-30	2022-07-27	13F-HR	View on EDGAR
2022-03-31	2022-05-10	13F-HR	View on EDGAR
2021-12-31	2022-02-02	13F-HR	View on EDGAR
2021-09-30	2021-10-28	13F-HR	View on EDGAR
2021-06-30	2021-08-02	13F-HR	View on EDGAR
2021-03-31	2021-04-28	13F-HR	View on EDGAR
2020-12-31	2021-02-10	13F-HR	View on EDGAR