CIK: 0001909307
Total reported value
$183.7M
Reporting period: 2026-03-31 · Number of holdings: 36
Investments & Financial Planning, LLC disclosed 36 holdings in its latest 13F filing for the period ending 2026-03-31, with total reported value of $183.7M and a quarterly turnover rate of 5.4%.
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Investments & Financial Planning, LLC's disclosed holdings carry a Herfindahl concentration index of 0.126 — mathematically equivalent to about 8 equally-sized positions, well below its 36 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 1.91), 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 3.6 percentage-point tilt) — a pattern consistent with a momentum-following approach.
Sector classification currently covers about 5% 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 SPYG
+1.5% -$2.6M
Add IJH
+0.4% $718.7K
Add VB
-0.7% $329.2K
Trim CGGR
+2.2% -$853.4K
Add BIV
+17.7% $595.0K
Add SHYG
+20.5% $480.6K
| # | Ticker | Issuer | Asset Subclass | Weight | Weight Change | Shares Change | 4Q Trend |
|---|---|---|---|---|---|---|---|
| 1 | VB | Vanguard Small-cap ETF | ETF-Other | 21.21% | +0.48% | -0.68% | |
| 2 | SPYG | Ss Spdr P S&p 500 Growth ETF | ETF-Large Cap & Growth | 19.45% | -1.13% | +1.51% | |
| 3 | IJH | Ishares Core S&p Midcap ETF | ETF-Other | 14.94% | +0.60% | +0.36% | |
| 4 | VO | Vanguard Mid-cap ETF | ETF-Other | 9.05% | +0.13% | +1.01% | |
| 5 | VCSH | Vanguard S/t CORP Bond ETF | ETF-Corp Bonds | 5.87% | +0.04% | -0.27% | |
| 6 | CGGR | Cap Group Growth Equity | ETF-Other | 5.60% | -0.37% | +2.17% | |
| 7 | URTH | Ishares Msci World ETF | ETF-Other | 5.47% | +0.05% | +2.79% | |
| 8 | VT | Vanguard Tot World Stk ETF | ETF-Other | 4.02% | -0.08% | -1.35% | |
| 9 | NVDA | Nvidia CORP | Stock-Tech | 2.36% | -0.07% | +2.17% | |
| 10 | BIV | Vanguard Intermediate-term B | ETF-Other | 2.27% | +0.35% | +17.69% | |
| 11 | SHYG | Ishares 0-5 Yr Hy CORP Bond | ETF-Corp Bonds | 1.65% | +0.28% | +20.45% | |
| 12 | TSLA | Tesla INC | Stock-Consumer Disc | 1.13% | -0.21% | +0.45% | |
| 13 | VUG | Vanguard Growth ETF | ETF-Other | 0.85% | -0.09% | -0.39% | |
| 14 | MUB | Ishares National Muni Bond E | ETF-Other | 0.52% | +0.01% | +1.94% | |
| 15 | VTV | Vanguard Value ETF | ETF-Other | 0.49% | — | -2.34% | |
| 16 | SPYM | Ste Str Spdr Pt S&p 500 ETF | ETF-Large Cap & Growth | 0.41% | -0.03% | -5.64% | |
| 17 | BNDX | Vanguard Total Intl Bond ETF | ETF-Other | 0.38% | -0.13% | -24.60% | |
| 18 | MSFT | Microsoft CORP | Stock-Tech | 0.36% | +0.20% | +185.94% | |
| 19 | SYBT | Stock Yards Bancorp INC | Stock-Other | 0.36% | +0.36% | NEW | |
| 20 | AAPL | Apple INC | Stock-Tech | 0.33% | -0.10% | -20.23% | |
| 21 | SCHV | Schwab US Large-cap Value | ETF-Other | 0.32% | +0.04% | +9.11% | |
| 22 | SPYV | Ss Spdr P S&p 500 Value ETF | ETF-Large Cap & Growth | 0.31% | — | -0.17% | |
| 23 | VOE | Vanguard Mid-cap Value ETF | ETF-Other | 0.27% | +0.01% | -0.67% | |
| 24 | SPAB | Ss Spdr P Agg Bond ETF | ETF-Other | 0.25% | — | -1.83% | |
| 25 | AMZN | Amazon.com INC | Stock-Consumer Disc | 0.24% | +0.01% | +11.51% | |
| 26 | SUB | Ishares Short-term National | ETF-Other | 0.23% | — | +0.18% | |
| 27 | VBR | Vanguard Small-cap Value ETF | ETF-Other | 0.22% | +0.01% | -0.43% | |
| 28 | VWOB | Vanguard Emerg Mkts Gov Bnd | ETF-Other | 0.22% | -0.08% | -27.05% | |
| 29 | SCHG | Schwab US Large-cap Growth | ETF-Other | 0.21% | — | +12.66% | |
| 30 | SPDW | Ste Str Spdr Pt Dw EU ETF | ETF-Other | 0.21% | -0.01% | -6.06% | |
| 31 | LQD | Ishr Ibx Usd Invgd Cb Etf-ui | ETF-Corp Bonds | 0.20% | -0.03% | -9.88% | |
| 32 | VEA | Vanguard Ftse Developed ETF | ETF-Other | 0.14% | +0.14% | NEW | |
| 33 | SCHW | Schwab (charles) CORP | Stock-Financials | 0.13% | — | +0.44% | |
| 34 | JNK | Ss Spdr Bb High Yield Bond | ETF-High Yield | 0.12% | — | +0.35% | |
| 35 | BA | Boeing Co/the | Stock-Industrials | 0.11% | -0.03% | -11.34% | |
| 36 | ASML | ASML Holding N.V. | Stock-Tech | 0.11% | +0.11% | NEW |
Performance for Q3 2026
+3.4%
Performance Last 4 Quarters
+18.2%
Based on 71% of reported portfolio value with available pricing
| Period | Holdings | Total value | Stability | Top holdings |
|---|---|---|---|---|
| 2026-03-31 | 36 | $183.7M | 5 | |
| 2025-12-31 | 37 | $186.3M | 5 | |
| 2025-09-30 | 37 | $185.1M | 18 | |
| 2025-06-30 | 37 | $173.6M | 0 | |
| 2025-03-31 | 34 | $154.0M | 0 | |
| 2024-12-31 | 33 | $162.2M | 0 | |
| 2024-09-30 | 33 | $157.9M | 0 | |
| 2024-06-30 | 33 | $148.9M | 0 | |
| 2024-03-31 | 33 | $145.9M | 0 | |
| 2023-12-31 | 32 | $133.5M | 0 | |
| 2023-09-30 | 33 | $112.2M | 0 | |
| 2023-06-30 | 35 | $115.5M | 0 | |
| 2023-03-31 | 36 | $109.0M | 0 | |
| 2022-12-31 | 36 | $102.1M | 0 | |
| 2022-06-30 | 34 | $97.1M | 0 | |
| 2022-03-31 | 33 | $114.4M | 0 | |
| 2021-12-31 | 32 | $111.4M | 0 |
Investments & Financial Planning, LLC's most significant position changes for 2026-03-31: New buy: Stock Yards Bancorp INC (SYBT); New buy: Vanguard Ftse Developed ETF (VEA); Sold out: Alphabet Inc-cl A (GOOGL); Sold out: Walt Disney Co/the (DIS); Sold out: Unitedhealth Group INC (UNH).
| # | Ticker | Issuer | Weight Change | Shares Change | Action |
|---|---|---|---|---|---|
| 1 | IJH | Ishares Core S&p Midcap ETF | +0.6% | +0.36% | Add |
| 2 | VB | Vanguard Small-cap ETF | +0.5% | -0.68% | Trim |
| 3 | BIV | Vanguard Intermediate-term B | +0.4% | +17.69% | Add |
| 4 | SHYG | Ishares 0-5 Yr Hy CORP Bond | +0.3% | +20.45% | Add |
| 5 | MSFT | Microsoft CORP | +0.2% | +185.94% | Add |
| 6 | VO | Vanguard Mid-cap ETF | +0.1% | +1.01% | Add |
| 7 | URTH | Ishares Msci World ETF | +0.1% | +2.79% | Add |
| 8 | VCSH | Vanguard S/t CORP Bond ETF | 0% | -0.27% | Trim |
| 9 | SCHV | Schwab US Large-cap Value | 0% | +9.11% | Add |
| 10 | VOE | Vanguard Mid-cap Value ETF | 0% | -0.67% | Trim |
| 11 | MUB | Ishares National Muni Bond E | 0% | +1.94% | Add |
| 12 | VBR | Vanguard Small-cap Value ETF | 0% | -0.43% | Trim |
| 13 | AMZN | Amazon.com INC | 0% | +11.51% | Add |
| 14 | SCHW | Schwab (charles) CORP | — | +0.44% | Add |
| 15 | SPAB | Ss Spdr P Agg Bond ETF | — | -1.83% | Trim |
| 16 | SPYV | Ss Spdr P S&p 500 Value ETF | — | -0.17% | Trim |
| 17 | VTV | Vanguard Value ETF | — | -2.34% | Trim |
| 18 | JNK | Ss Spdr Bb High Yield Bond | — | +0.35% | Add |
| 19 | SCHG | Schwab US Large-cap Growth | — | +12.66% | Add |
| 20 | SUB | Ishares Short-term National | — | +0.18% | Add |
| 21 | SPDW | Ste Str Spdr Pt Dw EU ETF | 0% | -6.06% | Trim |
| 22 | SPYM | Ste Str Spdr Pt S&p 500 ETF | 0% | -5.64% | Trim |
| 23 | BA | Boeing Co/the | 0% | -11.34% | Trim |
| 24 | LQD | Ishr Ibx Usd Invgd Cb Etf-ui | 0% | -9.88% | Trim |
| 25 | NVDA | Nvidia CORP | -0.1% | +2.17% | Add |
| 26 | VT | Vanguard Tot World Stk ETF | -0.1% | -1.35% | Trim |
| 27 | VWOB | Vanguard Emerg Mkts Gov Bnd | -0.1% | -27.05% | Trim |
| 28 | VUG | Vanguard Growth ETF | -0.1% | -0.39% | Trim |
| 29 | AAPL | Apple INC | -0.1% | -20.23% | Trim |
| 30 | BNDX | Vanguard Total Intl Bond ETF | -0.1% | -24.60% | Trim |
| 31 | TSLA | Tesla INC | -0.2% | +0.45% | Add |
| 32 | CGGR | Cap Group Growth Equity | -0.4% | +2.17% | Add |
| 33 | SPYG | Ss Spdr P S&p 500 Growth ETF | -1.1% | +1.51% | Add |
| 34 | SYBT | Stock Yards Bancorp INC | — | NEW | New buy |
| 35 | VEA | Vanguard Ftse Developed ETF | — | NEW | New buy |
| 36 | GOOGL | Alphabet Inc-cl A | — | EXIT | Sold out |
| 37 | DIS | Walt Disney Co/the | — | EXIT | Sold out |
| 38 | UNH | Unitedhealth Group INC | — | EXIT | Sold out |
| 39 | ASML | ASML Holding N.V. | — | NEW | New buy |
| 40 | SPEM | State Street Sp Ptf Em ETF | — | EXIT | Sold out |
| Period | Filed | Type | EDGAR |
|---|---|---|---|
| 2026-03-31 | 2026-05-11 | 13F-HR | View on EDGAR |
| 2025-12-31 | 2026-02-23 | 13F-HR | View on EDGAR |
| 2025-09-30 | 2025-11-13 | 13F-HR | View on EDGAR |
| 2025-06-30 | 2025-08-12 | 13F-HR | View on EDGAR |
| 2025-03-31 | 2025-04-30 | 13F-HR | View on EDGAR |
| 2024-12-31 | 2025-01-28 | 13F-HR | View on EDGAR |
| 2024-09-30 | 2024-10-15 | 13F-HR | View on EDGAR |
| 2024-06-30 | 2024-07-18 | 13F-HR | View on EDGAR |
| 2024-03-31 | 2024-05-03 | 13F-HR | View on EDGAR |
| 2023-12-31 | 2024-01-18 | 13F-HR | View on EDGAR |
| 2023-09-30 | 2023-10-18 | 13F-HR | View on EDGAR |
| 2023-06-30 | 2023-07-18 | 13F-HR | View on EDGAR |
| 2023-03-31 | 2023-05-02 | 13F-HR | View on EDGAR |
| 2022-12-31 | 2023-03-01 | 13F-HR | View on EDGAR |
| 2022-06-30 | 2022-08-11 | 13F-HR | View on EDGAR |
| 2022-03-31 | 2022-05-09 | 13F-HR | View on EDGAR |
| 2021-12-31 | 2022-02-11 | 13F-HR | View on EDGAR |
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