ESSENTIAL PLANNING, LLC.

Filed: 1/15/2026ACC: 0001949824-26-000001

📋 What this filing means

ESSENTIAL PLANNING, LLC. filed this quarterly 13F‑HR report disclosing 90 equity positions with a total reported market value of $313.56M. This filing provides a transparent view of the manager's long equity holdings as of the quarter end.

Positions

$313.56M

Total AUM (reported)

5.08M

Total Shares

Allocation by class

US CORE EQT MKT$54.59M17.4%

TOTAL BND MRKT$54.54M17.4%

TOTAL STK MKT$21.13M6.7%

COM$20.11M6.4%

INTL CORE EQT MK$19.47M6.2%

CORE FIXED INCOM$10.48M3.3%

SHORT DURATION F$9.84M3.1%

Portfolio Concentration

Top 3$130.26M41.5%

4–10$74.60M23.8%

11–25$70.95M22.6%

Rest$37.76M12.0%

Top 3 weight

41.5%

Top 10 weight

65.3%

Voting Authority Distribution

Total shares with voting rights: 5.08M

Sole

Full voting authority

5.08M

% of voting shares100.0%

Shared

Joint voting authority

0.00

% of voting shares0.0%

None

No voting authority

0.00

% of voting shares0.0%

Investment Discretion (by position count)

Sole90

Shared0

Other0

Dominant voting typeSole · 100.0% of voting shares

Institutional Holdings90

Rows:

DIMENSIONAL ETF TRUST

SOLE

US CORE EQT MKT

Shares1.17M

TypeSH

Market value$54.59M

17.41%

Sole

1.17M

Shared

0.00

None

0.00

VANGUARD BD INDEX FDS

SOLE

TOTAL BND MRKT

Shares736.28K

TypeSH

Market value$54.54M

17.39%

Sole

736.28K

Shared

0.00

None

0.00

VANGUARD INDEX FDS

SOLE

TOTAL STK MKT

Shares63.04K

TypeSH

Market value$21.13M

6.74%

Sole

63.04K

Shared

0.00

None

0.00

DIMENSIONAL ETF TRUST

SOLE

INTL CORE EQT MK

Shares510.89K

TypeSH

Market value$19.47M

6.21%

Sole

510.89K

Shared

0.00

None

0.00

DIMENSIONAL ETF TRUST

SOLE

CORE FIXED INCOM

Shares246.13K

TypeSH

Market value$10.48M

3.34%

Sole

246.13K

Shared

0.00

None

0.00

ELI LILLY & CO

SOLE

COM

Shares9.72K

TypeSH

Market value$10.45M

3.33%

Sole

9.72K

Shared

0.00

None

0.00

DIMENSIONAL ETF TRUST

SOLE

SHORT DURATION F

Shares205.19K

TypeSH

Market value$9.84M

3.14%

Sole

205.19K

Shared

0.00

None

0.00

J P MORGAN EXCHANGE TRADED F

SOLE

JPMORGAM LTD DUR

Shares161.72K

TypeSH

Market value$8.46M

2.70%

Sole

161.72K

Shared

0.00

None

0.00

DIMENSIONAL ETF TRUST

SOLE

EMGR CRE EQT MNG

Shares244.10K

TypeSH

Market value$7.95M

2.54%

Sole

244.10K

Shared

0.00

None

0.00

DIMENSIONAL ETF TRUST

SOLE

US CORE EQUITY 2

Shares200.75K

TypeSH

Market value$7.95M

2.53%

Sole

200.75K

Shared

0.00

None

0.00

VANGUARD BD INDEX FDS

SOLE

SHORT TRM BOND

Shares95.87K

TypeSH

Market value$7.56M

2.41%

Sole

95.87K

Shared

0.00

None

0.00

DIMENSIONAL ETF TRUST

SOLE

US CORE EQUITY 1

Shares101.52K

TypeSH

Market value$7.47M

2.38%

Sole

101.52K

Shared

0.00

None

0.00

SPDR S&P 500 ETF TR

SOLE

TR UNIT

Shares10.14K

TypeSH

Market value$6.92M

2.21%

Sole

10.14K

Shared

0.00

None

0.00

ISHARES TR

SOLE

CORE S&P500 ETF

Shares9.35K

TypeSH

Market value$6.41M

2.04%

Sole

9.35K

Shared

0.00

None

0.00

VANGUARD MALVERN FDS

SOLE

STRM INFPROIDX

Shares115.36K

TypeSH

Market value$5.71M

1.82%

Sole

115.36K

Shared

0.00

None

0.00

ISHARES TR

SOLE

MBS ETF

Shares53.43K

TypeSH

Market value$5.09M

1.62%

Sole

53.43K

Shared

0.00

None

0.00

VANGUARD INDEX FDS

SOLE

SML CP GRW ETF

Shares16.20K

TypeSH

Market value$4.90M

1.56%

Sole

16.20K

Shared

0.00

None

0.00

FIDELITY MERRIMACK STR TR

SOLE

TOTAL BD ETF

Shares91.61K

TypeSH

Market value$4.22M

1.35%

Sole

91.61K

Shared

0.00

None

0.00

PIMCO ETF TR

SOLE

ACTIVE BD ETF

Shares43.14K

TypeSH

Market value$4.02M

1.28%

Sole

43.14K

Shared

0.00

None

0.00

VANGUARD TAX-MANAGED FDS

SOLE

VAN FTSE DEV MKT

Shares60.31K

TypeSH

Market value$3.77M

1.20%

Sole

60.31K

Shared

0.00

None

0.00

DIMENSIONAL ETF TRUST

SOLE

INTL CORE EQUITY

Shares108.91K

TypeSH

Market value$3.75M

1.20%

Sole

108.91K

Shared

0.00

None

0.00

FIDELITY COVINGTON TRUST

SOLE

MSCI RL EST ETF

Shares133.78K

TypeSH

Market value$3.60M

1.15%

Sole

133.78K

Shared

0.00

None

0.00

ISHARES TR

SOLE

1 3 YR TREAS BD

Shares36.13K

TypeSH

Market value$2.99M

0.95%

Sole

36.13K

Shared

0.00

None

0.00

MICROSOFT CORP

SOLE

COM

Shares5.01K

TypeSH

Market value$2.42M

0.77%

Sole

5.01K

Shared

0.00

None

0.00

ISHARES TR

SOLE

IBONDS 28 TRM TS

Shares95.60K

TypeSH

Market value$2.14M

0.68%

Sole

95.60K

Shared

0.00

None

0.00

Issuer	Class	Shares	Type	Value / Portfolio %	Voting — Sole
DIMENSIONAL ETF TRUSTSOLE	US CORE EQT MKT	1.17M	SH	$54.59M 17.41%	1.17M
VANGUARD BD INDEX FDSSOLE	TOTAL BND MRKT	736.28K	SH	$54.54M 17.39%	736.28K
VANGUARD INDEX FDSSOLE	TOTAL STK MKT	63.04K	SH	$21.13M 6.74%	63.04K
DIMENSIONAL ETF TRUSTSOLE	INTL CORE EQT MK	510.89K	SH	$19.47M 6.21%	510.89K
DIMENSIONAL ETF TRUSTSOLE	CORE FIXED INCOM	246.13K	SH	$10.48M 3.34%	246.13K
ELI LILLY & COSOLE	COM	9.72K	SH	$10.45M 3.33%	9.72K
DIMENSIONAL ETF TRUSTSOLE	SHORT DURATION F	205.19K	SH	$9.84M 3.14%	205.19K
J P MORGAN EXCHANGE TRADED FSOLE	JPMORGAM LTD DUR	161.72K	SH	$8.46M 2.70%	161.72K
DIMENSIONAL ETF TRUSTSOLE	EMGR CRE EQT MNG	244.10K	SH	$7.95M 2.54%	244.10K
DIMENSIONAL ETF TRUSTSOLE	US CORE EQUITY 2	200.75K	SH	$7.95M 2.53%	200.75K
VANGUARD BD INDEX FDSSOLE	SHORT TRM BOND	95.87K	SH	$7.56M 2.41%	95.87K
DIMENSIONAL ETF TRUSTSOLE	US CORE EQUITY 1	101.52K	SH	$7.47M 2.38%	101.52K
SPDR S&P 500 ETF TRSOLE	TR UNIT	10.14K	SH	$6.92M 2.21%	10.14K
ISHARES TRSOLE	CORE S&P500 ETF	9.35K	SH	$6.41M 2.04%	9.35K
VANGUARD MALVERN FDSSOLE	STRM INFPROIDX	115.36K	SH	$5.71M 1.82%	115.36K
ISHARES TRSOLE	MBS ETF	53.43K	SH	$5.09M 1.62%	53.43K
VANGUARD INDEX FDSSOLE	SML CP GRW ETF	16.20K	SH	$4.90M 1.56%	16.20K
FIDELITY MERRIMACK STR TRSOLE	TOTAL BD ETF	91.61K	SH	$4.22M 1.35%	91.61K
PIMCO ETF TRSOLE	ACTIVE BD ETF	43.14K	SH	$4.02M 1.28%	43.14K
VANGUARD TAX-MANAGED FDSSOLE	VAN FTSE DEV MKT	60.31K	SH	$3.77M 1.20%	60.31K
DIMENSIONAL ETF TRUSTSOLE	INTL CORE EQUITY	108.91K	SH	$3.75M 1.20%	108.91K
FIDELITY COVINGTON TRUSTSOLE	MSCI RL EST ETF	133.78K	SH	$3.60M 1.15%	133.78K
ISHARES TRSOLE	1 3 YR TREAS BD	36.13K	SH	$2.99M 0.95%	36.13K
MICROSOFT CORPSOLE	COM	5.01K	SH	$2.42M 0.77%	5.01K
ISHARES TRSOLE	IBONDS 28 TRM TS	95.60K	SH	$2.14M 0.68%	95.60K

Page 1 of 4