PP

Pearl Planning LLC

Diversified strategySector-focusedContrarian

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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Personality snowflake

Concentration
26.47
Portfolio Stability
30.92
Momentum/Contrarian
0
Sector conviction
100
Diversification
100
Sizing Uniformity
84.22

Recent moves

  • 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

Holdings Map

New buyAddUnchangedTrim

Top 10 holdings by weight

Full holdings list this quarter

#TickerIssuerAsset SubclassWeightWeight ChangeShares Change4Q Trend
1VOOVanguard S&p 500 ETFETF-Large Cap & Growth13.64%-2.03%+4.57%
2AVDEAvantis International EquityETF-Other10.48%+0.03%+11.30%
3JPIEJpmorgan Income ETFETF-Other8.82%+8.82%NEW
4FBNDFidelity Total Bond ETFETF-Other8.56%+8.56%NEW
5VTVVanguard Value ETFETF-Other7.68%-0.87%+0.01%
6VOVanguard Mid-cap ETFETF-Other6.78%-0.63%+5.69%
7FRDMFreedom 100 Emeging Mrkt ETFETF-Other5.15%-0.60%-3.91%
8DGROIshares Core Dividend GrowthETF-Other4.00%-0.32%+4.80%
9AVUVAvantis US Small Cap ValueETF-Small Cap3.86%-0.12%+2.42%
10ESGVVanguard Esg US Stock ETFETF-Other3.52%-0.69%+2.93%
11BOXXAlpha Architect 1-3 Mnth BoxETF-Other3.11%-0.35%+1.71%
12QQQMInvesco Nasdaq 100 ETFETF-Tech2.68%-0.44%+4.45%
13TMSLT.rowe Prc Small-mid Cap ETFETF-Other2.35%-0.17%+4.62%
14BSVVanguard Short-term Bond ETFETF-Other1.66%+0.08%+20.66%
15BILSs Spdr Bb 1-3m T-bill ETFETF-Gov Bonds1.65%-0.28%-2.47%
16QQQInvesco Qqq Trust Series 1ETF-Tech1.54%-0.34%-0.28%
17VCEBVanguard Esg US CORP BondETF-Corp Bonds1.39%-0.02%+14.66%
18QQMGInvesco Esg Nasdaq 100ETF-Tech1.20%-0.17%+7.77%
19BNDVanguard Total Bond MarketETF-Other1.09%-7.90%-86.06%
20ESMLIshares Esg Aware Msci USA SETF-Other1.09%-0.09%+3.21%
21MUBIshares National Muni Bond EETF-Other0.97%-0.17%-1.23%
22BIVVanguard Intermediate-term BETF-Other0.62%-0.10%—
23QUALIshares Msci USA Quality FacETF-Other0.58%-0.16%-6.26%
24IDMOInvesco S&p International DeETF-Other0.49%-0.05%+5.56%
25VBVanguard Small-cap ETFETF-Other0.48%-0.06%-0.12%
26IVVIshares Core S&p 500 ETFETF-Large Cap & Growth0.47%-0.10%-0.07%
27VEAVanguard Ftse Developed ETFETF-Other0.41%-0.05%-0.01%
28AGGIshares Core U.s. AggregateETF-Other0.39%-0.07%-2.33%
29AVSCAvantis US Small Cap EquityETF-Small Cap0.38%-0.01%+3.54%
30XMHQInvesco S&p Midcap Qual ETFETF-Other0.37%-0.23%-28.66%
31IJHIshares Core S&p Midcap ETFETF-Other0.37%—-1.30%
32IBMIntl Business Machines CORPStock-Tech0.36%-0.18%-7.49%
33AAPLApple INCStock-Tech0.34%-0.07%+0.90%
34IWFIshares Russell 1000 GrowthETF-Other0.32%-0.09%—
35IEFAIshares Core Msci Eafe ETFETF-Other0.27%——
36ILCVIshares Morningstar Value EtETF-Other0.26%——
37ORCLOracle CORPStock-Tech0.24%-0.12%-1.08%
38METAMeta Platforms Inc-class AStock-Comm Services0.22%-0.11%-11.38%
39RSGRepublic Services INCStock-Industrials0.22%-0.02%—
40MSFTMicrosoft CORPStock-Tech0.21%-0.12%-2.43%
41VOTETcw Transform 500 ETFETF-Other0.19%-0.04%—
42ISTBIshares Core 1-5 Year Usd BoETF-Other0.18%——
43VBRVanguard Small-cap Value ETFETF-Other0.17%-0.02%—
44FEOEFirst Eagle Overseas Eq ETFETF-Other0.17%-0.02%—
45XLKSs Technology Select SectorETF-Tech0.16%-0.04%—
46NVDANvidia CORPStock-Tech0.16%-0.03%-0.06%
47VTIVanguard Total Stock Mkt ETFETF-Other0.14%-0.03%-2.42%
48ESGUIshares Esg Aware Msci USAETF-Other0.13%-0.03%—
49JPMJpmorgan Chase & CoStock-Financials0.13%-0.03%—
50AMZNAmazon.com INCStock-Consumer Disc0.12%-0.04%-7.84%
1–50 of 52

Holding changes this quarter

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%.

Position changes disclosed by Pearl Planning LLC for the quarter ending 2026-03-31, including ticker, issuer, weight change, shares change, and action
#TickerIssuerWeight ChangeShares ChangeAction
1BSVVanguard Short-term Bond ETF+0.1%+20.66%Add
2AVDEAvantis International Equity0%+11.30%Add
3AVSCAvantis US Small Cap Equity0%+3.54%Add
4VCEBVanguard Esg US CORP Bond0%+14.66%Add
5RSGRepublic Services INC0%—Unchanged
6FEOEFirst Eagle Overseas Eq ETF0%—Unchanged
7VBRVanguard Small-cap Value ETF0%—Unchanged
8GOOGLAlphabet Inc-cl A0%-2.68%Trim
9JPMJpmorgan Chase & Co0%—Unchanged
10AVGOBroadcom INC0%+1.66%Add
11NVDANvidia CORP0%-0.06%Trim
12VTIVanguard Total Stock Mkt ETF0%-2.42%Trim
13ESGUIshares Esg Aware Msci USA0%—Unchanged
14AMZNAmazon.com INC0%-7.84%Trim
15XLKSs Technology Select Sector0%—Unchanged
16VOTETcw Transform 500 ETF0%—Unchanged
17IDMOInvesco S&p International De-0.1%+5.56%Add
18VEAVanguard Ftse Developed ETF-0.1%-0.01%Trim
19VBVanguard Small-cap ETF-0.1%-0.12%Trim
20AAPLApple INC-0.1%+0.90%Add
21AGGIshares Core U.s. Aggregate-0.1%-2.33%Trim
22ESMLIshares Esg Aware Msci USA S-0.1%+3.21%Add
23IWFIshares Russell 1000 Growth-0.1%—Unchanged
24IVVIshares Core S&p 500 ETF-0.1%-0.07%Trim
25BIVVanguard Intermediate-term B-0.1%—Unchanged
26METAMeta Platforms Inc-class A-0.1%-11.38%Trim
27AVUVAvantis US Small Cap Value-0.1%+2.42%Add
28ORCLOracle CORP-0.1%-1.08%Trim
29MSFTMicrosoft CORP-0.1%-2.43%Trim
30QUALIshares Msci USA Quality Fac-0.2%-6.26%Trim
31TMSLT.rowe Prc Small-mid Cap ETF-0.2%+4.62%Add
32MUBIshares National Muni Bond E-0.2%-1.23%Trim
33QQMGInvesco Esg Nasdaq 100-0.2%+7.77%Add
34IBMIntl Business Machines CORP-0.2%-7.49%Trim
35XMHQInvesco S&p Midcap Qual ETF-0.2%-28.66%Trim
36BILSs Spdr Bb 1-3m T-bill ETF-0.3%-2.47%Trim
37DGROIshares Core Dividend Growth-0.3%+4.80%Add
38QQQInvesco Qqq Trust Series 1-0.3%-0.28%Trim
39BOXXAlpha Architect 1-3 Mnth Box-0.4%+1.71%Add
40QQQMInvesco Nasdaq 100 ETF-0.4%+4.45%Add
41FRDMFreedom 100 Emeging Mrkt ETF-0.6%-3.91%Trim
42VOVanguard Mid-cap ETF-0.6%+5.69%Add
43ESGVVanguard Esg US Stock ETF-0.7%+2.93%Add
44VTVVanguard Value ETF-0.9%+0.01%Add
45VOOVanguard S&p 500 ETF-2%+4.57%Add
46BNDVanguard Total Bond Market-7.9%-86.06%Trim
47JPIEJpmorgan Income ETF—NEWNew buy
48FBNDFidelity Total Bond ETF—NEWNew buy
49TXNTexas Instruments INC—EXITSold out
50GOOGAlphabet Inc-cl C—EXITSold out

FAQ

What is Pearl Planning LLC and what type of investor is it?
Pearl Planning LLC 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 $187.1M, spread across 52 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) — $25.5M (13.6%) 2. Avantis International Equity (AVDE) — $19.6M (10.5%) 3. Jpmorgan Income ETF (JPIE) — $16.5M (8.8%) 4. Fidelity Total Bond ETF (FBND) — $16.0M (8.6%) 5. Vanguard Value ETF (VTV) — $14.4M (7.7%)
What changes did Pearl Planning LLC make in its most recent portfolio filing?
In the latest reported quarter, Pearl Planning LLC made 41 notable position adjustments: 2 new positions were initiated, 18 existing holdings were added to, 19 positions were partially reduced, and 2 were completely exited. The largest of these moves: 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%
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: 70.8% • Communication Services: 16.8% • Financials: 6.4% • Consumer Discretionary: 6.0%

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