Sterling Financial Planning, Inc.
CIK 0001844278
Annualised vol
1.106506%
Beta
0.054181
HHI
303.562223
Top-10 weight
46.872803%
VaR 95%
0.098169%
VaR 99%
0.209229%
Max drawdown
2.00268%
Matched value
6.301069%
Returns of reported holdings
Loading returns…
Position changes vs prior quarter
What the latest 13F shows bought and sold against the quarter before, by share count.
| Ticker | Change | Shares now | Shares before | Share change % | Value now ($) |
|---|---|---|---|---|---|
| AAPL | ADDED | 16,124 | 15,675 | 2.86% | 4,665,576 |
| JNJ | REDUCED | 9,653 | 9,724 | -0.73% | 2,451,572 |
| GOOGL | REDUCED | 4,264 | 4,383 | -2.72% | 1,517,122 |
| MSFT | ADDED | 3,276 | 3,275 | 0.03% | 1,221,830 |
| RTX | UNCHANGED | 5,242 | 5,242 | 0.0% | 994,565 |
| LLY | UNCHANGED | 777 | 777 | 0.0% | 932,292 |
| O | ADDED | 12,841 | 12,824 | 0.13% | 795,611 |
| JPM | ADDED | 2,343 | 1,986 | 17.98% | 766,934 |
| MMM | UNCHANGED | 4,368 | 4,368 | 0.0% | 707,279 |
| LRCX | UNCHANGED | 1,435 | 1,435 | 0.0% | 621,829 |
| AMZN | REDUCED | 2,561 | 2,683 | -4.55% | 610,389 |
| META | REDUCED | 1,031 | 1,046 | -1.43% | 580,560 |
| COST | REDUCED | 620 | 641 | -3.28% | 580,386 |
| DE | REDUCED | 822 | 862 | -4.64% | 521,419 |
| CNS | ADDED | 18,093 | 15,934 | 13.55% | 513,479 |
| NVDA | ADDED | 2,157 | 1,903 | 13.35% | 431,615 |
| PEP | ADDED | 3,178 | 3,176 | 0.06% | 430,330 |
| MRK | ADDED | 3,246 | 3,014 | 7.7% | 417,133 |
| GD | ADDED | 1,128 | 1,124 | 0.36% | 399,472 |
| CARR | UNCHANGED | 5,027 | 5,027 | 0.0% | 368,730 |
| PG | REDUCED | 2,470 | 2,810 | -12.1% | 362,201 |
| ABT | REDUCED | 3,921 | 4,374 | -10.36% | 355,792 |
| ABBV | ADDED | 1,389 | 1,289 | 7.76% | 349,528 |
| CAT | REDUCED | 327 | 351 | -6.84% | 348,222 |
| CVX | REDUCED | 1,938 | 1,991 | -2.66% | 321,270 |
| GEV | NEW | 265 | - | - | 311,340 |
| HD | ADDED | 862 | 860 | 0.23% | 304,050 |
| TSLA | REDUCED | 687 | 695 | -1.15% | 288,952 |
| VZ | UNCHANGED | 6,340 | 6,340 | 0.0% | 268,420 |
| ES | UNCHANGED | 3,452 | 3,452 | 0.0% | 249,476 |
| MCD | ADDED | 896 | 895 | 0.11% | 242,189 |
| INTC | NEW | 1,700 | - | - | 237,338 |
Holdings (latest quarter)
| Ticker | Change | Issuer | Class | CUSIP | Value ($) | Weight % | Shares |
|---|---|---|---|---|---|---|---|
| - | ISHARES TR | S&P MC 400VL ETF | 464287705 | 23,124,138 | 6.29 | 156530.0 | |
| - | ISHARES TR | S&P SML 600 GWT | 464287887 | 22,863,020 | 6.22 | 128012.0 | |
| - | ISHARES TR | S&P MC 400GR ETF | 464287606 | 21,461,713 | 5.84 | 182653.0 | |
| - | ISHARES TR | S&P 500 GRWT ETF | 464287309 | 20,385,919 | 5.54 | 148229.0 | |
| - | ISHARES GOLD TR | ISHARES NEW | 464285204 | 17,645,010 | 4.8 | 233678.0 | |
| - | DIMENSIONAL ETF TRUST | INTERNATNAL VAL | 25434V807 | 16,762,172 | 4.56 | 310296.0 | |
| - | VANGUARD WHITEHALL FDS | HIGH DIV YLD | 921946406 | 13,121,580 | 3.57 | 83032.0 | |
| - | SCHWAB STRATEGIC TR | FUNDAMENTAL US L | 808524771 | 13,010,357 | 3.54 | 418339.0 | |
| - | DIMENSIONAL ETF TRUST | INTL SMALL CAP V | 25434V781 | 12,156,408 | 3.31 | 302926.0 | |
| - | VANGUARD BD INDEX FDS | INTERMED TERM | 921937819 | 11,805,125 | 3.21 | 153913.0 | |
| - | DIMENSIONAL ETF TRUST | US SMALL CAP ETF | 25434V815 | 11,326,720 | 3.08 | 292001.0 | |
| - | ISHARES TR | SP SMCP600VL ETF | 464287879 | 10,024,475 | 2.73 | 73343.0 | |
| - | INNOVATOR ETFS TRUST | US EQT ACC 9 BFR | 45783Y780 | 9,757,817 | 2.65 | 288650.0 | |
| - | ISHARES TR | CORE S&P500 ETF | 464287200 | 9,198,200 | 2.5 | 12282.0 | |
| - | DIMENSIONAL ETF TRUST | INFLATION PROTE | 25434V856 | 7,413,956 | 2.02 | 179710.0 | |
| - | DIMENSIONAL ETF TRUST | EMERGING MKTS VA | 25434V740 | 7,391,412 | 2.01 | 173234.0 | |
| - | DIMENSIONAL ETF TRUST | GLOBAL REAL EST | 25434V658 | 7,163,223 | 1.95 | 247263.0 | |
| - | ISHARES TR | CORE S&P MCP ETF | 464287507 | 5,148,695 | 1.4 | 66771.0 | |
| - | INVESCO QQQ TR | UNIT SER 1 | 46090E103 | 4,983,806 | 1.36 | 6768.0 | |
| - | ISHARES TR | EAFE GRWTH ETF | 464288885 | 4,973,705 | 1.35 | 39975.0 | |
| - | ISHARES TR | S&P 500 VAL ETF | 464287408 | 4,922,331 | 1.34 | 21679.0 | |
| - | VANGUARD SCOTTSDALE FDS | SHRT TRM CORP BD | 92206C409 | 4,898,579 | 1.33 | 61984.0 | |
| - | VANGUARD BD INDEX FDS | SHORT TRM BOND | 921937827 | 4,814,725 | 1.31 | 61799.0 | |
| AAPL | ADDED | APPLE INC | COM | 037833100 | 4,665,576 | 1.27 | 16124.0 |
| - | ISHARES TR | US TREAS BD ETF | 46429B267 | 4,515,694 | 1.23 | 198231.0 | |
| - | VANGUARD INDEX FDS | MCAP VL IDXVIP | 922908512 | 4,265,347 | 1.16 | 21586.0 | |
| - | VANGUARD MUN BD FDS | TAX EXEMPT BD | 922907746 | 3,994,651 | 1.09 | 78977.0 | |
| - | SPDR GOLD TR | GOLD SHS | 78463V107 | 3,790,013 | 1.03 | 10288.0 | |
| - | VANGUARD INDEX FDS | MCAP GR IDXVIP | 922908538 | 3,526,625 | 0.96 | 11514.0 | |
| - | VANGUARD WELLINGTON FD | SHORT TRM TAX EX | 921935870 | 3,510,160 | 0.95 | 34648.0 | |
| - | VANGUARD INDEX FDS | SML CP GRW ETF | 922908595 | 3,101,257 | 0.84 | 8480.0 | |
| - | VANGUARD MALVERN FDS | STRM INFPROIDX | 922020805 | 3,069,595 | 0.83 | 61111.0 | |
| - | VANGUARD INDEX FDS | REAL ESTATE ETF | 922908553 | 3,011,343 | 0.82 | 31228.0 | |
| - | VANGUARD CHARLOTTE FDS | TOTAL INT BD ETF | 92203J407 | 2,997,647 | 0.82 | 61896.0 | |
| - | ISHARES TR | INTL SEL DIV ETF | 464288448 | 2,967,823 | 0.81 | 71635.0 | |
| - | WISDOMTREE TR | EMG MKTS SMCAP | 97717W281 | 2,542,693 | 0.69 | 39294.0 | |
| - | VANGUARD INDEX FDS | SM CP VAL ETF | 922908611 | 2,523,409 | 0.69 | 10385.0 | |
| JNJ | REDUCED | JOHNSON & JOHNSON | COM | 478160104 | 2,451,572 | 0.67 | 9653.0 |
| - | SCHWAB STRATEGIC TR | FUNDAMENTAL INTL | 808524748 | 2,378,255 | 0.65 | 48976.0 | |
| - | VANGUARD TAX-MANAGED FDS | VAN FTSE DEV MKT | 921943858 | 2,033,135 | 0.55 | 28535.0 | |
| - | STATE STR SPDR S&P 500 ETF T | TR UNIT | 78462F103 | 1,940,181 | 0.53 | 2598.0 | |
| - | ISHARES TR | NATIONAL MUN ETF | 464288414 | 1,839,705 | 0.5 | 17094.0 | |
| - | ISHARES TR | CORE S&P SCP ETF | 464287804 | 1,587,869 | 0.43 | 10706.0 | |
| - | ISHARES TR | TIPS BD ETF | 464287176 | 1,587,264 | 0.43 | 14505.0 | |
| - | INVESCO EXCHANGE TRADED FD T | RAFI US 1000 ETF | 46137V613 | 1,583,929 | 0.43 | 29316.0 | |
| - | EXXON MOBIL CORP | COM | 30231G102 | 1,564,559 | 0.43 | 11444.0 | |
| - | ISHARES TR | EAFE SML CP ETF | 464288273 | 1,316,050 | 0.36 | 15997.0 | |
| - | DIMENSIONAL ETF TRUST | US REAL ESTA ETF | 25434V823 | 1,304,771 | 0.35 | 49877.0 | |
| MSFT | ADDED | MICROSOFT CORP | COM | 594918104 | 1,221,830 | 0.33 | 3276.0 |
| - | DIMENSIONAL ETF TRUST | US LARG VALU ETF | 25434V666 | 1,149,032 | 0.31 | 29060.0 | |
| - | BERKSHIRE HATHAWAY INC DEL | CL B NEW | 084670702 | 1,076,339 | 0.29 | 2151.0 | |
| - | SELECTIVE INS GROUP INC | COM | 816300107 | 1,053,723 | 0.29 | 10862.0 | |
| RTX | UNCHANGED | RTX CORPORATION | COM | 75513E101 | 994,565 | 0.27 | 5242.0 |
| LLY | UNCHANGED | ELI LILLY & CO | COM | 532457108 | 932,292 | 0.25 | 777.0 |
| GOOGL | REDUCED | ALPHABET INC | CAP STK CL A | 02079K305 | 924,874 | 0.25 | 2588.0 |
| - | VANGUARD INDEX FDS | GROWTH ETF | 922908736 | 902,027 | 0.25 | 10472.0 | |
| - | DIMENSIONAL ETF TRUST | US EQUI MARK ETF | 25434V401 | 848,477 | 0.23 | 10355.0 | |
| O | ADDED | REALTY INCOME CORP | COM | 756109104 | 795,611 | 0.22 | 12841.0 |
| JPM | ADDED | JPMORGAN CHASE & CO | COM | 46625H100 | 766,934 | 0.21 | 2343.0 |
| - | INNOVATOR ETFS TRUST | US EQTY PWR BUF | 45782C508 | 740,467 | 0.2 | 14962.0 | |
| MMM | UNCHANGED | 3M CO | COM | 88579Y101 | 707,279 | 0.19 | 4368.0 |
| - | INVESCO EXCHANGE TRADED FD T | RAFI US 1500 | 46137V597 | 672,223 | 0.18 | 12053.0 | |
| - | INVESCO EXCHANGE TRADED FD T | S&P500 EQL WGT | 46137V357 | 642,135 | 0.17 | 3018.0 | |
| - | CALAMOS ETF TR | S&P 500 STRUCT | 12811T787 | 641,729 | 0.17 | 24970.0 | |
| - | SPDR SERIES TRUST | ST STR SP400VAL | 78464A839 | 627,507 | 0.17 | 6616.0 | |
| LRCX | UNCHANGED | LAM RESEARCH CORP | COM NEW | 512807306 | 621,829 | 0.17 | 1435.0 |
| AMZN | REDUCED | AMAZON COM INC | COM | 023135106 | 610,389 | 0.17 | 2561.0 |
| - | VANGUARD INDEX FDS | MID CAP ETF | 922908629 | 603,491 | 0.16 | 7490.0 | |
| - | VANGUARD SPECIALIZED FUNDS | DIV APP ETF | 921908844 | 592,797 | 0.16 | 2505.0 | |
| GOOGL | REDUCED | ALPHABET INC | CAP STK CL C | 02079K107 | 592,248 | 0.16 | 1676.0 |
| META | REDUCED | META PLATFORMS INC | CL A | 30303M102 | 580,560 | 0.16 | 1031.0 |
| COST | REDUCED | COSTCO WHOLESALE CORPORATION | COM | 22160K105 | 580,386 | 0.16 | 620.0 |
| DE | REDUCED | DEERE & CO | COM | 244199105 | 521,419 | 0.14 | 822.0 |
| CNS | ADDED | COHEN & STEERS ETF TRUST | REAL EST ACT ETF | 19249U104 | 513,479 | 0.14 | 18093.0 |
| - | SCHWAB STRATEGIC TR | EMRG MKTEQ ETF | 808524706 | 485,185 | 0.13 | 13381.0 | |
| - | PROVIDENT FINL SVCS INC | COM | 74386T105 | 476,393 | 0.13 | 20152.0 | |
| - | INTERNATIONAL BUSINESS MACHS | COM | 459200101 | 468,678 | 0.13 | 1667.0 | |
| NVDA | ADDED | NVIDIA CORPORATION | COM | 67066G104 | 431,615 | 0.12 | 2157.0 |
| PEP | ADDED | PEPSICO INC | COM | 713448108 | 430,330 | 0.12 | 3178.0 |
| MRK | ADDED | MERCK & CO INC | COM | 58933Y105 | 417,133 | 0.11 | 3246.0 |
| - | ISHARES TR | SELECT DIVID ETF | 464287168 | 406,644 | 0.11 | 2602.0 | |
| - | GE AEROSPACE | COM NEW | 369604301 | 400,671 | 0.11 | 1072.0 | |
| GD | ADDED | GENERAL DYNAMICS CORP | COM | 369550108 | 399,472 | 0.11 | 1128.0 |
| - | VANGUARD INTL EQUITY INDEX F | FTSE EMR MKT ETF | 922042858 | 381,227 | 0.1 | 6387.0 | |
| - | DIMENSIONAL ETF TRUST | INTL SMALL CAP E | 25434V773 | 377,010 | 0.1 | 10763.0 | |
| - | ISHARES TR | JPMORGAN USD EMG | 464288281 | 368,841 | 0.1 | 3825.0 | |
| CARR | UNCHANGED | CARRIER GLOBAL CORPORATION | COM | 14448C104 | 368,730 | 0.1 | 5027.0 |
| PG | REDUCED | PROCTER & GAMBLE CO | COM | 742718109 | 362,201 | 0.1 | 2470.0 |
| ABT | REDUCED | ABBOTT LABORATORIES | COM | 002824100 | 355,792 | 0.1 | 3921.0 |
| - | INVESCO EXCH TRADED FD TR II | S&P INTL QULTY | 46138E214 | 354,426 | 0.1 | 8109.0 | |
| ABBV | ADDED | ABBVIE INC | COM | 00287Y109 | 349,528 | 0.1 | 1389.0 |
| CAT | REDUCED | CATERPILLAR INC | COM | 149123101 | 348,222 | 0.09 | 327.0 |
| - | ISHARES TR | MSCI USA QLT FCT | 46432F339 | 347,357 | 0.09 | 1583.0 | |
| - | INNOVATOR ETFS TRUST | US EQT ULTRA BF | 45782C672 | 328,640 | 0.09 | 7809.0 | |
| - | VANGUARD INDEX FDS | TOTAL STK MKT | 922908769 | 324,241 | 0.09 | 876.0 | |
| CVX | REDUCED | CHEVRON CORPORATION | COM | 166764100 | 321,270 | 0.09 | 1938.0 |
| - | INNOVATOR ETFS TRUST | US EQUITY ACCELE | 45783Y301 | 320,219 | 0.09 | 7634.0 | |
| GEV | NEW | GE VERNOVA INC | COM | 36828A101 | 311,340 | 0.08 | 265.0 |
| - | CISCO SYS INC | COM | 17275R102 | 308,333 | 0.08 | 2625.0 | |
| HD | ADDED | HOME DEPOT INC | COM | 437076102 | 304,050 | 0.08 | 862.0 |
| - | VANGUARD SCOTTSDALE FDS | VNG RUS1000VAL | 92206C714 | 297,663 | 0.08 | 2800.0 | |
| - | SPDR SERIES TRUST | ST STR SP400GRW | 78464A821 | 295,449 | 0.08 | 2636.0 | |
| TSLA | REDUCED | TESLA INC | COM | 88160R101 | 288,952 | 0.08 | 687.0 |
| - | SCHWAB STRATEGIC TR | US BRD MKT ETF | 808524102 | 282,423 | 0.08 | 9752.0 | |
| - | ENTERPRISE PRODS PARTNERS L | COM | 293792107 | 279,913 | 0.08 | 7615.0 | |
| - | PUBLIC SVC ENTERPRISE GROUP | COM | 744573106 | 268,938 | 0.07 | 3314.0 | |
| VZ | UNCHANGED | VERIZON COMMUNICATIONS INC | COM | 92343V104 | 268,420 | 0.07 | 6340.0 |
| - | CALAMOS ETF TR | S&P 500 STR JULY | 12811T803 | 261,351 | 0.07 | 9447.0 | |
| - | LOWES COS INC | COM | 548661107 | 256,650 | 0.07 | 1164.0 | |
| ES | UNCHANGED | EVERSOURCE ENERGY | COM | 30040W108 | 249,476 | 0.07 | 3452.0 |
| MCD | ADDED | MCDONALDS CORP | COM | 580135101 | 242,189 | 0.07 | 896.0 |
| - | ISHARES TR | RUS 1000 ETF | 464287622 | 241,196 | 0.07 | 589.0 | |
| INTC | NEW | INTEL CORP | COM | 458140100 | 237,338 | 0.06 | 1700.0 |
| - | VANGUARD BD INDEX FDS | TOTAL BND MRKT | 921937835 | 235,426 | 0.06 | 3207.0 | |
| - | VANGUARD INDEX FDS | SMALL CP ETF | 922908751 | 229,501 | 0.06 | 757.0 | |
| - | VANGUARD INDEX FDS | S&P 500 ETF SHS | 922908363 | 225,248 | 0.06 | 328.0 | |
| - | DIMENSIONAL ETF TRUST | US TARGETED VLU | 25434V609 | 223,271 | 0.06 | 3194.0 | |
| - | CALAMOS ETF TR | S&P 500 STR SEPT | 12811T886 | 222,981 | 0.06 | 8018.0 | |
| - | ISHARES TR | MSCI EMG MKT ETF | 464287234 | 217,794 | 0.06 | 3184.0 | |
| - | CORNING INC | COM | 219350105 | 212,773 | 0.06 | 833.0 | |
| - | ROYAL CARIBBEAN GROUP | COM | V7780T103 | 212,110 | 0.06 | 668.0 | |
| - | SPDR SERIES TRUST | ST STR SP DIV | 78464A763 | 201,355 | 0.05 | 1323.0 | |
| - | BLACKROCK ENHANCED EQUITY DI | COM | 09251A104 | 132,363 | 0.04 | 13831.0 |
Quarterly portfolios
| Period | Filed | Value ($) | Positions | Vol % | Beta | Max DD % |
|---|---|---|---|---|---|---|
| 2026-06-30 | 2026-08-11 | 367,666,179 | 123 | 1.106506 | 0.054181 | 2.00268 |
| 2026-03-31 | 2026-05-06 | 337,262,733 | 117 | 1.053018 | 0.051343 | 1.978388 |
| 2025-12-31 | 2026-01-27 | 331,810,222 | 120 | 1.086302 | 0.05317 | 1.985281 |
| 2025-09-30 | 2025-10-24 | 317,136,210 | 116 | 1.062168 | 0.051999 | 1.946878 |
| 2025-03-31 | 2025-04-29 | 275,735,022 | 109 | 1.03109 | 0.049411 | 1.947833 |
| 2024-12-31 | 2025-02-03 | 271,792,307 | 108 | 1.103388 | 0.053834 | 1.918327 |