ESSENTIAL PLANNING, LLC.

Filed: 10/21/2026ACC: 0001949824-26-000005

📋 What this filing means

ESSENTIAL PLANNING, LLC. filed this quarterly 13F‑HR report disclosing 88 equity positions with a total reported market value of $365.45M. This filing provides a transparent view of the manager's long equity holdings as of the quarter end.

Positions

$365.45M

Total AUM (reported)

5.89M

Total Shares

Allocation by class

US CORE EQT MKT$53.18M14.6%

TOTAL BND MRKT$45.47M12.4%

MRNGSTR TTL STK$27.73M7.6%

SHOR DUR FIX ETF$19.82M5.4%

JPMORGAM LTD DUR$19.77M5.4%

INTL CORE EQT MK$19.60M5.4%

U.S. CORE EQTY 1$16.74M4.6%

Portfolio Concentration

Top 3$126.38M34.6%

4–10$119.60M32.7%

11–25$81.69M22.4%

Rest$37.78M10.3%

Top 3 weight

34.6%

Top 10 weight

67.3%

Voting Authority Distribution

Total shares with voting rights: 5.89M

Sole

Full voting authority

5.89M

% 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)

Sole88

Shared0

Other0

Dominant voting typeSole · 100.0% of voting shares

Institutional Holdings88

Rows:

DIMENSIONAL ETF TRUST

SOLE

US CORE EQT MKT

Shares1.02M

TypeSH

Market value$53.18M

14.55%

Sole

1.02M

Shared

0.00

None

0.00

VANGUARD BD INDEX FDS

SOLE

TOTAL BND MRKT

Shares648.22K

TypeSH

Market value$45.47M

12.44%

Sole

648.22K

Shared

0.00

None

0.00

VANGUARD INDEX FDS

SOLE

MRNGSTR TTL STK

Shares74.11K

TypeSH

Market value$27.73M

7.59%

Sole

74.11K

Shared

0.00

None

0.00

DIMENSIONAL ETF TRUST

SOLE

SHOR DUR FIX ETF

Shares426.56K

TypeSH

Market value$19.82M

5.42%

Sole

426.56K

Shared

0.00

None

0.00

J P MORGAN EXCHANGE TRADED F

SOLE

JPMORGAM LTD DUR

Shares384.49K

TypeSH

Market value$19.77M

5.41%

Sole

384.49K

Shared

0.00

None

0.00

DIMENSIONAL ETF TRUST

SOLE

INTL CORE EQT MK

Shares473.17K

TypeSH

Market value$19.60M

5.36%

Sole

473.17K

Shared

0.00

None

0.00

DFA INVT DIMENSIONS GROUP IN

SOLE

U.S. CORE EQTY 1

Shares202.46K

TypeSH

Market value$16.74M

4.58%

Sole

202.46K

Shared

0.00

None

0.00

STATE STR SPDR S&P 500 ETF T

SOLE

TR UNIT

Shares20.13K

TypeSH

Market value$15.35M

4.20%

Sole

20.13K

Shared

0.00

None

0.00

DIMENSIONAL ETF TRUST

SOLE

US COR EQU 2 ETF

Shares331.94K

TypeSH

Market value$14.75M

4.04%

Sole

331.94K

Shared

0.00

None

0.00

DIMENSIONAL ETF TRUST

SOLE

CORE FIXE IN ETF

Shares338.20K

TypeSH

Market value$13.57M

3.71%

Sole

338.20K

Shared

0.00

None

0.00

DIMENSIONAL ETF TRUST

SOLE

EMGR CRE EQT MNG

Shares226.29K

TypeSH

Market value$8.90M

2.43%

Sole

226.29K

Shared

0.00

None

0.00

FIDELITY MERRIMACK STR TR

SOLE

TOTAL BD ETF

Shares204.78K

TypeSH

Market value$8.87M

2.43%

Sole

204.78K

Shared

0.00

None

0.00

VANGUARD BD INDEX FDS

SOLE

SHORT TRM BOND

Shares109.56K

TypeSH

Market value$8.37M

2.29%

Sole

109.56K

Shared

0.00

None

0.00

VANGUARD TAX-MANAGED FDS

SOLE

VAN FTSE DEV MKT

Shares103.55K

TypeSH

Market value$7.31M

2.00%

Sole

103.55K

Shared

0.00

None

0.00

DIMENSIONAL ETF TRUST

SOLE

INTL CORE EQUITY

Shares190.74K

TypeSH

Market value$7.17M

1.96%

Sole

190.74K

Shared

0.00

None

0.00

ISHARES TR

SOLE

CORE S&P500 ETF

Shares8.73K

TypeSH

Market value$6.69M

1.83%

Sole

8.73K

Shared

0.00

None

0.00

VANGUARD MALVERN FDS

SOLE

STRM INFPROIDX

Shares113.41K

TypeSH

Market value$5.58M

1.53%

Sole

113.41K

Shared

0.00

None

0.00

VANGUARD INDEX FDS

SOLE

MRNGSTR SM CP GR

Shares14.85K

TypeSH

Market value$5.02M

1.37%

Sole

14.85K

Shared

0.00

None

0.00

ISHARES TR

SOLE

MBS ETF

Shares46.88K

TypeSH

Market value$4.20M

1.15%

Sole

46.88K

Shared

0.00

None

0.00

PIMCO ETF TR

SOLE

ENHAN SHRT MA AC

Shares39.24K

TypeSH

Market value$3.95M

1.08%

Sole

39.24K

Shared

0.00

None

0.00

FIDELITY COVINGTON TRUST

SOLE

MSCI RL EST ETF

Shares136.21K

TypeSH

Market value$3.70M

1.01%

Sole

136.21K

Shared

0.00

None

0.00

ISHARES INC

SOLE

CORE MSCI EMKT

Shares39.73K

TypeSH

Market value$3.22M

0.88%

Sole

39.73K

Shared

0.00

None

0.00

DIMENSIONAL ETF TRUST

SOLE

EMERGING MKTS CO

Shares80.78K

TypeSH

Market value$3.21M

0.88%

Sole

80.78K

Shared

0.00

None

0.00

PIMCO ETF TR

SOLE

ACTIVE BD ETF

Shares36.68K

TypeSH

Market value$3.19M

0.87%

Sole

36.68K

Shared

0.00

None

0.00

MICROSOFT CORP

SOLE

COM

Shares4.50K

TypeSH

Market value$2.31M

0.63%

Sole

4.50K

Shared

0.00

None

0.00

Issuer	Class	Shares	Type	Value / Portfolio %	Voting — Sole
DIMENSIONAL ETF TRUSTSOLE	US CORE EQT MKT	1.02M	SH	$53.18M 14.55%	1.02M
VANGUARD BD INDEX FDSSOLE	TOTAL BND MRKT	648.22K	SH	$45.47M 12.44%	648.22K
VANGUARD INDEX FDSSOLE	MRNGSTR TTL STK	74.11K	SH	$27.73M 7.59%	74.11K
DIMENSIONAL ETF TRUSTSOLE	SHOR DUR FIX ETF	426.56K	SH	$19.82M 5.42%	426.56K
J P MORGAN EXCHANGE TRADED FSOLE	JPMORGAM LTD DUR	384.49K	SH	$19.77M 5.41%	384.49K
DIMENSIONAL ETF TRUSTSOLE	INTL CORE EQT MK	473.17K	SH	$19.60M 5.36%	473.17K
DFA INVT DIMENSIONS GROUP INSOLE	U.S. CORE EQTY 1	202.46K	SH	$16.74M 4.58%	202.46K
STATE STR SPDR S&P 500 ETF TSOLE	TR UNIT	20.13K	SH	$15.35M 4.20%	20.13K
DIMENSIONAL ETF TRUSTSOLE	US COR EQU 2 ETF	331.94K	SH	$14.75M 4.04%	331.94K
DIMENSIONAL ETF TRUSTSOLE	CORE FIXE IN ETF	338.20K	SH	$13.57M 3.71%	338.20K
DIMENSIONAL ETF TRUSTSOLE	EMGR CRE EQT MNG	226.29K	SH	$8.90M 2.43%	226.29K
FIDELITY MERRIMACK STR TRSOLE	TOTAL BD ETF	204.78K	SH	$8.87M 2.43%	204.78K
VANGUARD BD INDEX FDSSOLE	SHORT TRM BOND	109.56K	SH	$8.37M 2.29%	109.56K
VANGUARD TAX-MANAGED FDSSOLE	VAN FTSE DEV MKT	103.55K	SH	$7.31M 2.00%	103.55K
DIMENSIONAL ETF TRUSTSOLE	INTL CORE EQUITY	190.74K	SH	$7.17M 1.96%	190.74K
ISHARES TRSOLE	CORE S&P500 ETF	8.73K	SH	$6.69M 1.83%	8.73K
VANGUARD MALVERN FDSSOLE	STRM INFPROIDX	113.41K	SH	$5.58M 1.53%	113.41K
VANGUARD INDEX FDSSOLE	MRNGSTR SM CP GR	14.85K	SH	$5.02M 1.37%	14.85K
ISHARES TRSOLE	MBS ETF	46.88K	SH	$4.20M 1.15%	46.88K
PIMCO ETF TRSOLE	ENHAN SHRT MA AC	39.24K	SH	$3.95M 1.08%	39.24K
FIDELITY COVINGTON TRUSTSOLE	MSCI RL EST ETF	136.21K	SH	$3.70M 1.01%	136.21K
ISHARES INCSOLE	CORE MSCI EMKT	39.73K	SH	$3.22M 0.88%	39.73K
DIMENSIONAL ETF TRUSTSOLE	EMERGING MKTS CO	80.78K	SH	$3.21M 0.88%	80.78K
PIMCO ETF TRSOLE	ACTIVE BD ETF	36.68K	SH	$3.19M 0.87%	36.68K
MICROSOFT CORPSOLE	COM	4.50K	SH	$2.31M 0.63%	4.50K

Page 1 of 4