ESSENTIAL PLANNING, LLC.

Filed: 4/23/2026ACC: 0001949824-26-000002

📋 What this filing means

ESSENTIAL PLANNING, LLC. filed this quarterly 13F‑HR report disclosing 85 equity positions with a total reported market value of $314.51M. This filing provides a transparent view of the manager's long equity holdings as of the quarter end.

Positions

$314.51M

Total AUM (reported)

5.32M

Total Shares

Allocation by class

TOTAL BND MRKT$52.74M16.8%

US CORE EQT MKT$51.09M16.2%

TOTAL STK MKT$21.28M6.8%

INTL CORE EQT MK$19.61M6.2%

SHORT DURATION F$12.62M4.0%

JPMORGAM LTD DUR$11.94M3.8%

CORE FIXED INCOM$11.12M3.5%

Portfolio Concentration

Top 3$125.12M39.8%

4–10$82.51M26.2%

11–25$70.33M22.4%

Rest$36.55M11.6%

Top 3 weight

39.8%

Top 10 weight

66.0%

Voting Authority Distribution

Total shares with voting rights: 5.32M

Sole

Full voting authority

5.32M

% 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)

Sole85

Shared0

Other0

Dominant voting typeSole · 100.0% of voting shares

Institutional Holdings85

Rows:

VANGUARD BD INDEX FDS

SOLE

TOTAL BND MRKT

Shares716.17K

TypeSH

Market value$52.74M

16.77%

Sole

716.17K

Shared

0.00

None

0.00

DIMENSIONAL ETF TRUST

SOLE

US CORE EQT MKT

Shares1.13M

TypeSH

Market value$51.09M

16.25%

Sole

1.13M

Shared

0.00

None

0.00

VANGUARD INDEX FDS

SOLE

TOTAL STK MKT

Shares66.34K

TypeSH

Market value$21.28M

6.77%

Sole

66.34K

Shared

0.00

None

0.00

DIMENSIONAL ETF TRUST

SOLE

INTL CORE EQT MK

Shares503.27K

TypeSH

Market value$19.61M

6.23%

Sole

503.27K

Shared

0.00

None

0.00

DIMENSIONAL ETF TRUST

SOLE

SHORT DURATION F

Shares263.55K

TypeSH

Market value$12.62M

4.01%

Sole

263.55K

Shared

0.00

None

0.00

J P MORGAN EXCHANGE TRADED F

SOLE

JPMORGAM LTD DUR

Shares228.86K

TypeSH

Market value$11.94M

3.80%

Sole

228.86K

Shared

0.00

None

0.00

DIMENSIONAL ETF TRUST

SOLE

CORE FIXED INCOM

Shares263.38K

TypeSH

Market value$11.12M

3.54%

Sole

263.38K

Shared

0.00

None

0.00

DIMENSIONAL ETF TRUST

SOLE

US CORE EQUITY 1

Shares136.33K

TypeSH

Market value$9.83M

3.12%

Sole

136.33K

Shared

0.00

None

0.00

DIMENSIONAL ETF TRUST

SOLE

US CORE EQUITY 2

Shares237.35K

TypeSH

Market value$9.22M

2.93%

Sole

237.35K

Shared

0.00

None

0.00

STATE STR SPDR S&P 500 ETF T

SOLE

TR UNIT

Shares12.57K

TypeSH

Market value$8.17M

2.60%

Sole

12.57K

Shared

0.00

None

0.00

DIMENSIONAL ETF TRUST

SOLE

EMGR CRE EQT MNG

Shares241.14K

TypeSH

Market value$8.16M

2.60%

Sole

241.14K

Shared

0.00

None

0.00

VANGUARD BD INDEX FDS

SOLE

SHORT TRM BOND

Shares103.94K

TypeSH

Market value$8.15M

2.59%

Sole

103.94K

Shared

0.00

None

0.00

ISHARES TR

SOLE

CORE S&P500 ETF

Shares9.18K

TypeSH

Market value$6.00M

1.91%

Sole

9.18K

Shared

0.00

None

0.00

VANGUARD MALVERN FDS

SOLE

STRM INFPROIDX

Shares117.11K

TypeSH

Market value$5.85M

1.86%

Sole

117.11K

Shared

0.00

None

0.00

FIDELITY MERRIMACK STR TR

SOLE

TOTAL BD ETF

Shares119.94K

TypeSH

Market value$5.47M

1.74%

Sole

119.94K

Shared

0.00

None

0.00

ISHARES TR

SOLE

MBS ETF

Shares51.59K

TypeSH

Market value$4.90M

1.56%

Sole

51.59K

Shared

0.00

None

0.00

VANGUARD INDEX FDS

SOLE

SML CP GRW ETF

Shares15.81K

TypeSH

Market value$4.78M

1.52%

Sole

15.81K

Shared

0.00

None

0.00

VANGUARD TAX-MANAGED FDS

SOLE

VAN FTSE DEV MKT

Shares72.21K

TypeSH

Market value$4.63M

1.47%

Sole

72.21K

Shared

0.00

None

0.00

DIMENSIONAL ETF TRUST

SOLE

INTL CORE EQUITY

Shares130.21K

TypeSH

Market value$4.63M

1.47%

Sole

130.21K

Shared

0.00

None

0.00

PIMCO ETF TR

SOLE

ACTIVE BD ETF

Shares42.10K

TypeSH

Market value$3.88M

1.24%

Sole

42.10K

Shared

0.00

None

0.00

FIDELITY COVINGTON TRUST

SOLE

MSCI RL EST ETF

Shares134.92K

TypeSH

Market value$3.63M

1.15%

Sole

134.92K

Shared

0.00

None

0.00

ISHARES TR

SOLE

1 3 YR TREAS BD

Shares34.46K

TypeSH

Market value$2.85M

0.90%

Sole

34.46K

Shared

0.00

None

0.00

PIMCO ETF TR

SOLE

ENHAN SHRT MA AC

Shares27.24K

TypeSH

Market value$2.74M

0.87%

Sole

27.24K

Shared

0.00

None

0.00

ELI LILLY & CO

SOLE

COM

Shares2.84K

TypeSH

Market value$2.61M

0.83%

Sole

2.84K

Shared

0.00

None

0.00

ISHARES TR

SOLE

IBONDS 28 TRM TS

Shares92.25K

TypeSH

Market value$2.06M

0.65%

Sole

92.25K

Shared

0.00

None

0.00

Issuer	Class	Shares	Type	Value / Portfolio %	Voting — Sole
VANGUARD BD INDEX FDSSOLE	TOTAL BND MRKT	716.17K	SH	$52.74M 16.77%	716.17K
DIMENSIONAL ETF TRUSTSOLE	US CORE EQT MKT	1.13M	SH	$51.09M 16.25%	1.13M
VANGUARD INDEX FDSSOLE	TOTAL STK MKT	66.34K	SH	$21.28M 6.77%	66.34K
DIMENSIONAL ETF TRUSTSOLE	INTL CORE EQT MK	503.27K	SH	$19.61M 6.23%	503.27K
DIMENSIONAL ETF TRUSTSOLE	SHORT DURATION F	263.55K	SH	$12.62M 4.01%	263.55K
J P MORGAN EXCHANGE TRADED FSOLE	JPMORGAM LTD DUR	228.86K	SH	$11.94M 3.80%	228.86K
DIMENSIONAL ETF TRUSTSOLE	CORE FIXED INCOM	263.38K	SH	$11.12M 3.54%	263.38K
DIMENSIONAL ETF TRUSTSOLE	US CORE EQUITY 1	136.33K	SH	$9.83M 3.12%	136.33K
DIMENSIONAL ETF TRUSTSOLE	US CORE EQUITY 2	237.35K	SH	$9.22M 2.93%	237.35K
STATE STR SPDR S&P 500 ETF TSOLE	TR UNIT	12.57K	SH	$8.17M 2.60%	12.57K
DIMENSIONAL ETF TRUSTSOLE	EMGR CRE EQT MNG	241.14K	SH	$8.16M 2.60%	241.14K
VANGUARD BD INDEX FDSSOLE	SHORT TRM BOND	103.94K	SH	$8.15M 2.59%	103.94K
ISHARES TRSOLE	CORE S&P500 ETF	9.18K	SH	$6.00M 1.91%	9.18K
VANGUARD MALVERN FDSSOLE	STRM INFPROIDX	117.11K	SH	$5.85M 1.86%	117.11K
FIDELITY MERRIMACK STR TRSOLE	TOTAL BD ETF	119.94K	SH	$5.47M 1.74%	119.94K
ISHARES TRSOLE	MBS ETF	51.59K	SH	$4.90M 1.56%	51.59K
VANGUARD INDEX FDSSOLE	SML CP GRW ETF	15.81K	SH	$4.78M 1.52%	15.81K
VANGUARD TAX-MANAGED FDSSOLE	VAN FTSE DEV MKT	72.21K	SH	$4.63M 1.47%	72.21K
DIMENSIONAL ETF TRUSTSOLE	INTL CORE EQUITY	130.21K	SH	$4.63M 1.47%	130.21K
PIMCO ETF TRSOLE	ACTIVE BD ETF	42.10K	SH	$3.88M 1.24%	42.10K
FIDELITY COVINGTON TRUSTSOLE	MSCI RL EST ETF	134.92K	SH	$3.63M 1.15%	134.92K
ISHARES TRSOLE	1 3 YR TREAS BD	34.46K	SH	$2.85M 0.90%	34.46K
PIMCO ETF TRSOLE	ENHAN SHRT MA AC	27.24K	SH	$2.74M 0.87%	27.24K
ELI LILLY & COSOLE	COM	2.84K	SH	$2.61M 0.83%	2.84K
ISHARES TRSOLE	IBONDS 28 TRM TS	92.25K	SH	$2.06M 0.65%	92.25K

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