Obsidian Personal Planning Solutions LLC

Diversified strategyMomentum followerQuality / disciplined sizing

Total reported value

$288.0M

Reporting period: 2025-09-30 · Number of holdings: 119

Obsidian Personal Planning Solutions LLC disclosed 119 holdings in its latest 13F filing for the period ending 2025-09-30, with total reported value of $288.0M and a quarterly turnover rate of 25.1%.

Personality snowflake

Concentration: 15.6
Portfolio Stability: 25.12
Momentum/Contrarian: 100
Sector conviction: 68.84
Diversification: 100
Sizing Uniformity: 80.84

Recent moves

Add IBTH
+225.6%　$19.4M
Trim SPIB
+1.2%　$1.2M
Trim JPIE
+3.8%　$1.0M
Trim FLOT
+3.0%　$413.4K
Trim VMBS
+2.6%　$681.7K
Trim VTV
+2.6%　$2.2M

Holdings Map

New buyAddUnchangedTrim

Top 10 holdings by weight

Full holdings list this quarter

#	Ticker	Issuer	Asset Subclass	Weight	Weight Change	Shares Change
1	IBTH	Ishares Ibonds Dec 2027 Term	ETF-Other	9.21%	+6.04%	+225.57%
2	SPIB	Ss Spdr P Int C CORP ETF	ETF-Other	7.86%	-1.71%	+1.22%
3	IJR	Ishares Core S&p Small-cap E	ETF-Small Cap	5.82%	-0.24%	+1.95%
4	VTV	Vanguard Value ETF	ETF-Other	5.40%	-0.58%	+2.61%
5	JPIE	Jpmorgan Income ETF	ETF-Other	4.81%	-0.92%	+3.81%
6	SCHD	Schwab US Dvd Equity ETF	ETF-Other	4.26%	-0.52%	+6.29%
7	SPDW	Ste Str Spdr Pt Dw EU ETF	ETF-Other	4.21%	-0.22%	+3.47%
8	SPYG	Ss Spdr P S&p 500 Growth ETF	ETF-Large Cap & Growth	3.84%	+0.28%	+2.48%
9	EFG	Ishares Msci Eafe Growth ETF	ETF-Other	3.78%	-0.26%	+5.00%
10	CGGR	Cap Group Growth Equity	ETF-Other	3.70%	+0.27%	+4.83%
11	XAR	Ss Spdr S&p Aerospace Def	ETF-Other	3.58%	+0.49%	-0.01%
12	VMBS	Vanguard Mortgage-backed Sec	ETF-Other	3.15%	-0.59%	+2.59%
13	CIBR	First Trust Nasdaq Cybersecu	ETF-Tech	3.06%	-0.20%	+2.00%
14	XMLV	Invesco S&p Midcap Low Volat	ETF-Other	2.75%	-0.52%	+2.59%
15	FLOT	Ishares Floating Rate Bond E	ETF-Other	2.75%	-0.60%	+3.03%
16	MDYG	Ss Spdr S&p 400 Mc Gr ETF	ETF-Other	2.42%	-0.09%	+3.58%
17	SPEM	State Street Sp Ptf Em ETF	ETF-Other	2.22%	-0.06%	+1.28%
18	AAPL	Apple INC	Stock-Tech	1.68%	+0.04%	+0.85%
19	VHT	Vanguard Health Care ETF	ETF-Other	1.67%	-0.24%	+3.03%
20	XLE	Ss Energy Select Sector	ETF-Other	1.58%	-0.04%	+8.55%
21	JMUB	Jpmorgan Municipal ETF	ETF-Other	1.34%	-0.17%	+10.43%
22	XLB	Ss Materials Select Sector	ETF-Other	1.28%	-0.18%	+7.22%
23	MEAR	Ishrs Short Mat Muni Act ETF	ETF-Other	1.20%	—	+3.23%
24	XLF	Ss Financial Select Sector	ETF-Other	1.11%	-0.06%	+8.42%
25	MSFT	Microsoft CORP	Stock-Tech	1.04%	+0.15%	+14.41%
26	VUG	Vanguard Growth ETF	ETF-Other	1.03%	-0.01%	-3.49%
27	RSPM	Invesco S&p 500 Equal Weight	ETF-Large Cap & Growth	0.67%	—	-3.22%
28	VEA	Vanguard Ftse Developed ETF	ETF-Other	0.65%	-0.08%	-0.50%
29	IBM	Intl Business Machines CORP	Stock-Tech	0.63%	-0.01%	—
30	AMZN	Amazon.com INC	Stock-Consumer Disc	0.53%	+0.09%	+5.93%
31	VOO	Vanguard S&p 500 ETF	ETF-Large Cap & Growth	0.53%	+0.18%	-1.67%
32	PRF	Invesco Rafi US 1000 ETF	ETF-Other	0.45%	—	-4.48%
33	CAT	Caterpillar INC	Stock-Industrials	0.34%	+0.12%	-1.22%
34	COST	Costco Wholesale CORP	Stock-Consumer Staples	0.34%	—	—
35	VWO	Vanguard Ftse Emerging Marke	ETF-Emerging Markets	0.33%	—	-1.29%
36	GOOGL	Alphabet Inc-cl A	Stock-Comm Services	0.29%	+0.06%	+5.98%
37	PEP	Pepsico INC	Stock-Consumer Staples	0.28%	—	+1.51%
38	JPM	Jpmorgan Chase & Co	Stock-Financials	0.28%	—	+1.38%
39	XLK	Ss Technology Select Sector	ETF-Tech	0.27%	+0.04%	-0.49%
40	RTX	Rtx CORP	Stock-Industrials	0.27%	+0.05%	+10.96%
41	META	Meta Platforms Inc-class A	Stock-Comm Services	0.25%	—	+3.97%
42	BRK-B	Berkshire Hathaway Inc-cl B	Stock-Other	0.24%	—	-4.52%
43	V	Visa Inc-class A Shares	Stock-Financials	0.22%	—	+4.35%
44	GOOG	Alphabet Inc-cl C	Stock-Comm Services	0.21%	+0.05%	+0.70%
45	VYM	Vanguard High Dvd Yield ETF	ETF-Other	0.20%	—	—
46	MAR	Marriott International -cl A	Stock-Consumer Disc	0.19%	—	+89.61%
47	CSX	Csx CORP	Stock-Industrials	0.19%	—	—
48	BAC	Bank Of America CORP	Stock-Financials	0.18%	—	+9.52%
49	JNJ	Johnson & Johnson	Stock-Healthcare	0.18%	—	+26.10%
50	IVV	Ishares Core S&p 500 ETF	ETF-Large Cap & Growth	0.18%	—	—

1–50 of 119

Portfolio Performance

Performance for Q3 2026

+3.6%

Performance Last 4 Quarters

+16.7%

Based on 62% of reported portfolio value with available pricing

Stdev: +9.3%
Beta: +0.65
Alpha: +0.2%
Max Drawdown: -7%
Annualized Perf: +12.5%
Batting Avg vs S&P: +41.7%
Sortino: +2.56
Stutzer: +0.39
Treynor: +0.19
Sterling: +0.85
Calmar: +1.78
Information Ratio: -1.05
Tracking Error: +5.9%
Stdev Down: +4.8%
Winning Months %: +69.4%
Losing Months %: +30.6%
Best 12 Months: +24.7%
Worst 12 Months: +7.4%
Efficiency Ratio: +0.51
Sharpe: +1.31
Stdev Sectors: +11.5%
Skewness: +0.09
Kurtosis: +0.21
Upside Potential: +4.19

Reported value over time

Sector allocation

Sector allocation over time

Quarterly history

Period	Holdings	Total value	Stability	Top holdings
2025-09-30	119	$288.0M	25	1IBTH 2SPIB 3IJR Top holdings2025-09-30 1.IBTH 2.SPIB 3.IJR 4.VTV 5.JPIE 6.SCHD 7.SPDW 8.SPYG 9.EFG 10.CGGR
2025-06-30	113	$247.1M	0	1SPIB 2IJR 3VTV Top holdings2025-06-30 1.SPIB 2.IJR 3.VTV 4.JPIE 5.SCHD 6.SPDW 7.EFG 8.SPYG 9.CGGR 10.XAR
2025-03-31	105	$223.9M	0	1SPIB 2IJR 3VTV Top holdings2025-03-31 1.SPIB 2.IJR 3.VTV 4.JPIE 5.SCHD 6.SPDW 7.EFG 8.VMBS 9.SPYG 10.CGGR
2024-12-31	105	$207.3M	0	1SPIB 2VTV 3IJR Top holdings2024-12-31 1.SPIB 2.VTV 3.IJR 4.SPDW 5.SPYG 6.VMBS 7.CGGR 8.XMLV 9.FLOT 10.EFG
2024-09-30	101	$191.3M	0	1SPIB 2VTV 3IJR Top holdings2024-09-30 1.SPIB 2.VTV 3.IJR 4.SPDW 5.VMBS 6.SPYG 7.XMLV 8.FLOT 9.CGGR 10.EFG
2024-06-30	97	$163.8M	0	1VTV 2IJR 3SPSB Top holdings2024-06-30 1.VTV 2.IJR 3.SPSB 4.SPIB 5.SPDW 6.SPYG 7.VMBS 8.FLOT 9.XMLV 10.CGGR
2024-03-31	99	$152.3M	0	1VTV 2IJR 3SPSB Top holdings2024-03-31 1.VTV 2.IJR 3.SPSB 4.SPIB 5.SPDW 6.VMBS 7.FLOT 8.XMLV 9.SPYG 10.EFG
2023-12-31	81	$131.4M	0	1SPSB 2VTV 3IJR Top holdings2023-12-31 1.SPSB 2.VTV 3.IJR 4.VTIP 5.SPDW 6.SPYG 7.XMLV 8.EFG 9.FLOT 10.SCHD
2023-09-30	76	$117.1M	0	1SPSB 2VTIP 3VTV Top holdings2023-09-30 1.SPSB 2.VTIP 3.VTV 4.IJR 5.SPDW 6.SPYG 7.FLOT 8.XMLV 9.EFG 10.SCHD
2023-06-30	71	$81.2M	—	1VTV 2IJR 3SPYG Top holdings2023-06-30 1.VTV 2.IJR 3.SPYG 4.SPDW 5.XMLV 6.EFG 7.AAPL 8.SCHD 9.PRF 10.RSPM
2023-03-31	53	$68.6M	0	1VTV 2IJR 3SPDW Top holdings2023-03-31 1.VTV 2.IJR 3.SPDW 4.SPYG 5.XMLV 6.EFG 7.SCHD 8.AAPL 9.PRF 10.RSPM
2022-12-31	40	$62.3M	0	1VTV 2IJR 3XMLV Top holdings2022-12-31 1.VTV 2.IJR 3.XMLV 4.SPDW 5.SPYG 6.SCHD 7.EFG 8.PRF 9.RSPM 10.AAPL
2022-09-30	39	$54.7M	0	1VTV 2IJR 3XMLV Top holdings2022-09-30 1.VTV 2.IJR 3.XMLV 4.SPYG 5.SPDW 6.EFG 7.SCHD 8.RSPM 9.PRF 10.AAPL
2022-06-30	42	$58.7M	0	1VTV 2SPYG 3IJR Top holdings2022-06-30 1.VTV 2.SPYG 3.IJR 4.XMLV 5.SPDW 6.EFG 7.RSPM 8.PRF 9.AAPL 10.VHT

Holding changes this quarter

Obsidian Personal Planning Solutions LLC's most significant position changes for 2025-09-30: New buy: Lam Research CORP (LRCX); New buy: Exxon Mobil CORP (XOM); New buy: Nvidia CORP (NVDA); New buy: Ishares Russell Mid-cap ETF (IWR); New buy: Capital One Financial CORP (COF).

Position changes disclosed by Obsidian Personal Planning Solutions LLC for the quarter ending 2025-09-30, including ticker, issuer, weight change, shares change, and action
#	Ticker	Issuer	Weight Change	Shares Change	Action
1	IBTH	Ishares Ibonds Dec 2027 Term	+6%	+225.57%	Add
2	XAR	Ss Spdr S&p Aerospace Def	+0.5%	-0.01%	Add
3	SPYG	Ss Spdr P S&p 500 Growth ETF	+0.3%	+2.48%	Add
4	CGGR	Cap Group Growth Equity	+0.3%	+4.83%	Add
5	VOO	Vanguard S&p 500 ETF	+0.2%	-1.67%	Add
6	MSFT	Microsoft CORP	+0.2%	+14.41%	Add
7	CAT	Caterpillar INC	+0.1%	-1.22%	Add
8	AMZN	Amazon.com INC	+0.1%	+5.93%	Add
9	GOOGL	Alphabet Inc-cl A	+0.1%	+5.98%	Trim
10	AVGO	Broadcom INC	+0.1%	+2.59%	Add
11	RTX	Rtx CORP	+0.1%	+10.96%	Add
12	GOOG	Alphabet Inc-cl C	+0.1%	+0.70%	Trim
13	AAPL	Apple INC	0%	+0.85%	Add
14	XLK	Ss Technology Select Sector	0%	-0.49%	Add
15	VUG	Vanguard Growth ETF	0%	-3.49%	Trim
16	IBM	Intl Business Machines CORP	0%	—	Trim
17	XLE	Ss Energy Select Sector	0%	+8.55%	Add
18	SPEM	State Street Sp Ptf Em ETF	-0.1%	+1.28%	Add
19	XLF	Ss Financial Select Sector	-0.1%	+8.42%	Add
20	VEA	Vanguard Ftse Developed ETF	-0.1%	-0.50%	Trim
21	MDYG	Ss Spdr S&p 400 Mc Gr ETF	-0.1%	+3.58%	Add
22	JMUB	Jpmorgan Municipal ETF	-0.2%	+10.43%	Add
23	XLB	Ss Materials Select Sector	-0.2%	+7.22%	Add
24	CIBR	First Trust Nasdaq Cybersecu	-0.2%	+2.00%	Add
25	SPDW	Ste Str Spdr Pt Dw EU ETF	-0.2%	+3.47%	Add
26	IJR	Ishares Core S&p Small-cap E	-0.2%	+1.95%	Add
27	VHT	Vanguard Health Care ETF	-0.2%	+3.03%	Add
28	EFG	Ishares Msci Eafe Growth ETF	-0.3%	+5.00%	Add
29	SCHD	Schwab US Dvd Equity ETF	-0.5%	+6.29%	Add
30	XMLV	Invesco S&p Midcap Low Volat	-0.5%	+2.59%	Add
31	VTV	Vanguard Value ETF	-0.6%	+2.61%	Add
32	VMBS	Vanguard Mortgage-backed Sec	-0.6%	+2.59%	Add
33	FLOT	Ishares Floating Rate Bond E	-0.6%	+3.03%	Add
34	JPIE	Jpmorgan Income ETF	-0.9%	+3.81%	Add
35	SPIB	Ss Spdr P Int C CORP ETF	-1.7%	+1.22%	Add
36	LRCX	Lam Research CORP	—	NEW	New buy
37	XOM	Exxon Mobil CORP	—	NEW	New buy
38	NVDA	Nvidia CORP	—	NEW	New buy
39	IWR	Ishares Russell Mid-cap ETF	—	NEW	New buy
40	COF	Capital One Financial CORP	—	NEW	New buy
41	BLK	Blackrock INC	—	NEW	New buy
42	LYFT	Lyft Inc-a	—	NEW	New buy
43	VGT	Vanguard Info Tech ETF	—	NEW	New buy
44	VLO	Valero Energy CORP	—	NEW	New buy
45	PGR	Progressive CORP	—	EXIT	Sold out
46	GLD	Spdr Gold Shares	—	NEW	New buy
47	TFC	Truist Financial CORP	—	NEW	New buy
48	VOE	Vanguard Mid-cap Value ETF	—	NEW	New buy
49	EUAD	Select Stoxx Eur Aer De ETF	—	NEW	New buy
50	DFSEUR	Discover Financial Services	—	EXIT	Sold out

FAQ

What is Obsidian Personal Planning Solutions LLC and what type of investor is it?

Obsidian Personal Planning Solutions 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 (2025-09-30), the firm manages a tracked equity portfolio valued at approximately $288.0M, spread across 119 disclosed positions.

What are Obsidian Personal Planning Solutions LLC's largest equity positions?

Based on the latest 13F filing, Obsidian Personal Planning Solutions LLC's top holdings by market value are: 1. Ishares Ibonds Dec 2027 Term (IBTH) — $26.5M (9.2%) 2. Ss Spdr P Int C CORP ETF (SPIB) — $22.6M (7.9%) 3. Ishares Core S&p Small-cap E (IJR) — $16.8M (5.8%) 4. Vanguard Value ETF (VTV) — $15.6M (5.4%) 5. Jpmorgan Income ETF (JPIE) — $13.9M (4.8%)

What changes did Obsidian Personal Planning Solutions LLC make in its most recent portfolio filing?

In the latest reported quarter, Obsidian Personal Planning Solutions LLC made 50 notable position adjustments: 13 new positions were initiated, 30 existing holdings were added to, 5 positions were partially reduced, and 2 were completely exited. The largest of these moves: New buy: Lam Research CORP (LRCX); New buy: Exxon Mobil CORP (XOM); New buy: Nvidia CORP (NVDA); New buy: Ishares Russell Mid-cap ETF (IWR); New buy: Capital One Financial CORP (COF)

What sectors does Obsidian Personal Planning Solutions LLC focus on?

Obsidian Personal Planning Solutions LLC is concentrated in the following sectors based on its current disclosed equity portfolio: • Information Technology: 41.8% • Financials: 12.9% • Communication Services: 10.1% • Industrials: 10.1% • Consumer Staples: 8.1% • Consumer Discretionary: 8.0%