FINANCIAL PLAN, INC.

Filed: 1/28/2026ACC: 0002107584-26-000001

📋 What this filing means

FINANCIAL PLAN, INC. filed this quarterly 13F‑HR report disclosing 94 equity positions with a total reported market value of $871.07M. This filing provides a transparent view of the manager's long equity holdings as of the quarter end.

Positions

$871.07M

Total AUM (reported)

17.04M

Total Shares

Allocation by class

US EQT ETF$149.30M17.1%

US CORE EQUITY 2$132.11M15.2%

INTL EQT ETF$93.45M10.7%

INTL CORE EQUITY$48.57M5.6%

ULTRASHORT FIXED$45.36M5.2%

SHORT DURATION F$37.41M4.3%

AVANTIS EMGMKT$36.44M4.2%

Portfolio Concentration

Top 3$374.86M43.0%

4–10$258.10M29.6%

11–25$174.55M20.0%

Rest$63.56M7.3%

Top 3 weight

43.0%

Top 10 weight

72.7%

Voting Authority Distribution

Total shares with voting rights: 17.04M

Sole

Full voting authority

729.63K

% of voting shares4.3%

Shared

Joint voting authority

0.00

% of voting shares0.0%

None

No voting authority

16.31M

% of voting shares95.7%

Investment Discretion (by position count)

Sole94

Shared0

Other0

Dominant voting typeNone · 95.7% of voting shares

Institutional Holdings94

Rows:

AMERICAN CENTY ETF TR

SOLE

US EQT ETF

Shares1.34M

TypeSH

Market value$149.30M

17.14%

Sole

33.66K

Shared

0.00

None

1.30M

DIMENSIONAL ETF TRUST

SOLE

US CORE EQUITY 2

Shares3.34M

TypeSH

Market value$132.11M

15.17%

Sole

53.76K

Shared

0.00

None

3.28M

AMERICAN CENTY ETF TR

SOLE

INTL EQT ETF

Shares1.14M

TypeSH

Market value$93.45M

10.73%

Sole

22.01K

Shared

0.00

None

1.11M

DIMENSIONAL ETF TRUST

SOLE

INTL CORE EQUITY

Shares1.41M

TypeSH

Market value$48.57M

5.58%

Sole

29.59K

Shared

0.00

None

1.38M

DIMENSIONAL ETF TRUST

SOLE

ULTRASHORT FIXED

Shares895.49K

TypeSH

Market value$45.36M

5.21%

Sole

351.95K

Shared

0.00

None

543.54K

DIMENSIONAL ETF TRUST

SOLE

SHORT DURATION F

Shares780.21K

TypeSH

Market value$37.41M

4.29%

Sole

32.65K

Shared

0.00

None

747.56K

AMERICAN CENTY ETF TR

SOLE

AVANTIS EMGMKT

Shares473.11K

TypeSH

Market value$36.44M

4.18%

Sole

Shared

0.00

None

467.11K

AMERICAN CENTY ETF TR

SOLE

AVANTIS SHFXDINC

Shares740.49K

TypeSH

Market value$34.87M

4.00%

Sole

24.42K

Shared

0.00

None

716.07K

VANGUARD MALVERN FDS

SOLE

STRM INFPROIDX

Shares592.38K

TypeSH

Market value$29.30M

3.36%

Sole

17.62K

Shared

0.00

None

574.76K

AMERICAN CENTY ETF TR

SOLE

REAL ESTATE ETF

Shares600.85K

TypeSH

Market value$26.16M

3.00%

Sole

19.06K

Shared

0.00

None

581.79K

DIMENSIONAL ETF TRUST

SOLE

WORLD EX US CORE

Shares738.61K

TypeSH

Market value$24.17M

2.78%

Sole

0.00

Shared

0.00

None

738.61K

SPDR SERIES TRUST

SOLE

STATE STREET SPD

Shares1.04M

TypeSH

Market value$23.26M

2.67%

Sole

45.02K

Shared

0.00

None

992.84K

DIMENSIONAL ETF TRUST

SOLE

GLOBAL REAL EST

Shares851.35K

TypeSH

Market value$22.49M

2.58%

Sole

25.38K

Shared

0.00

None

825.97K

DIMENSIONAL ETF TRUST

SOLE

EMERGING MKTS CO

Shares667.42K

TypeSH

Market value$22.08M

2.53%

Sole

24.49K

Shared

0.00

None

642.93K

DIMENSIONAL ETF TRUST

SOLE

CORE FIXED INCOM

Shares451K

TypeSH

Market value$19.19M

2.20%

Sole

18.58K

Shared

0.00

None

432.42K

ISHARES TR

SOLE

0-5 YR TIPS ETF

Shares97.69K

TypeSH

Market value$10.00M

1.15%

Sole

855.00

Shared

0.00

None

96.84K

APPLE INC

SOLE

COM

Shares29.70K

TypeSH

Market value$8.07M

0.93%

Sole

1.25K

Shared

0.00

None

28.45K

VANGUARD SCOTTSDALE FDS

SOLE

SHRT TRM CORP BD

Shares92.26K

TypeSH

Market value$7.36M

0.84%

Sole

0.00

Shared

0.00

None

92.26K

VANGUARD SCOTTSDALE FDS

SOLE

SHORT TERM TREAS

Shares115.97K

TypeSH

Market value$6.81M

0.78%

Sole

0.00

Shared

0.00

None

115.97K

DIMENSIONAL ETF TRUST

SOLE

INFLATION PROTE

Shares146.87K

TypeSH

Market value$6.10M

0.70%

Sole

6.87K

Shared

0.00

None

140K

VANGUARD BD INDEX FDS

SOLE

SHORT TRM BOND

Shares76.73K

TypeSH

Market value$6.05M

0.69%

Sole

0.00

Shared

0.00

None

76.73K

MICROSOFT CORP

SOLE

COM

Shares11.38K

TypeSH

Market value$5.50M

0.63%

Sole

0.00

Shared

0.00

None

11.38K

AMERICAN CENTY ETF TR

SOLE

AVANTIS CORE FI

Shares112.98K

TypeSH

Market value$4.74M

0.54%

Sole

0.00

Shared

0.00

None

112.98K

AMERICAN CENTY ETF TR

SOLE

US SML CP VALU

Shares43.87K

TypeSH

Market value$4.47M

0.51%

Sole

2.84K

Shared

0.00

None

41.03K

SPDR SERIES TRUST

SOLE

STATE STREET SPD

Shares140.43K

TypeSH

Market value$4.24M

0.49%

Sole

0.00

Shared

0.00

None

140.43K

Issuer	Class	Shares	Type	Value / Portfolio %	Voting — Sole	None
AMERICAN CENTY ETF TRSOLE	US EQT ETF	1.34M	SH	$149.30M 17.14%	33.66K	1.30M
DIMENSIONAL ETF TRUSTSOLE	US CORE EQUITY 2	3.34M	SH	$132.11M 15.17%	53.76K	3.28M
AMERICAN CENTY ETF TRSOLE	INTL EQT ETF	1.14M	SH	$93.45M 10.73%	22.01K	1.11M
DIMENSIONAL ETF TRUSTSOLE	INTL CORE EQUITY	1.41M	SH	$48.57M 5.58%	29.59K	1.38M
DIMENSIONAL ETF TRUSTSOLE	ULTRASHORT FIXED	895.49K	SH	$45.36M 5.21%	351.95K	543.54K
DIMENSIONAL ETF TRUSTSOLE	SHORT DURATION F	780.21K	SH	$37.41M 4.29%	32.65K	747.56K
AMERICAN CENTY ETF TRSOLE	AVANTIS EMGMKT	473.11K	SH	$36.44M 4.18%	6K	467.11K
AMERICAN CENTY ETF TRSOLE	AVANTIS SHFXDINC	740.49K	SH	$34.87M 4.00%	24.42K	716.07K
VANGUARD MALVERN FDSSOLE	STRM INFPROIDX	592.38K	SH	$29.30M 3.36%	17.62K	574.76K
AMERICAN CENTY ETF TRSOLE	REAL ESTATE ETF	600.85K	SH	$26.16M 3.00%	19.06K	581.79K
DIMENSIONAL ETF TRUSTSOLE	WORLD EX US CORE	738.61K	SH	$24.17M 2.78%	0.00	738.61K
SPDR SERIES TRUSTSOLE	STATE STREET SPD	1.04M	SH	$23.26M 2.67%	45.02K	992.84K
DIMENSIONAL ETF TRUSTSOLE	GLOBAL REAL EST	851.35K	SH	$22.49M 2.58%	25.38K	825.97K
DIMENSIONAL ETF TRUSTSOLE	EMERGING MKTS CO	667.42K	SH	$22.08M 2.53%	24.49K	642.93K
DIMENSIONAL ETF TRUSTSOLE	CORE FIXED INCOM	451K	SH	$19.19M 2.20%	18.58K	432.42K
ISHARES TRSOLE	0-5 YR TIPS ETF	97.69K	SH	$10.00M 1.15%	855.00	96.84K
APPLE INCSOLE	COM	29.70K	SH	$8.07M 0.93%	1.25K	28.45K
VANGUARD SCOTTSDALE FDSSOLE	SHRT TRM CORP BD	92.26K	SH	$7.36M 0.84%	0.00	92.26K
VANGUARD SCOTTSDALE FDSSOLE	SHORT TERM TREAS	115.97K	SH	$6.81M 0.78%	0.00	115.97K
DIMENSIONAL ETF TRUSTSOLE	INFLATION PROTE	146.87K	SH	$6.10M 0.70%	6.87K	140K
VANGUARD BD INDEX FDSSOLE	SHORT TRM BOND	76.73K	SH	$6.05M 0.69%	0.00	76.73K
MICROSOFT CORPSOLE	COM	11.38K	SH	$5.50M 0.63%	0.00	11.38K
AMERICAN CENTY ETF TRSOLE	AVANTIS CORE FI	112.98K	SH	$4.74M 0.54%	0.00	112.98K
AMERICAN CENTY ETF TRSOLE	US SML CP VALU	43.87K	SH	$4.47M 0.51%	2.84K	41.03K
SPDR SERIES TRUSTSOLE	STATE STREET SPD	140.43K	SH	$4.24M 0.49%	0.00	140.43K

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