PARTNERS IN FINANCIAL PLANNING

Filed: 2/26/2025ACC: 0002054264-25-000004

📋 What this filing means

PARTNERS IN FINANCIAL PLANNING filed this quarterly 13F‑HR report disclosing 104 equity positions with a total reported market value of $460.12M. This filing provides a transparent view of the manager's long equity holdings as of the quarter end.

104

Positions

$460.12M

Total AUM (reported)

5.55M

Total Shares

Allocation by class

GROWTH ETF$54.90M11.9%

TOTAL BND MRKT$52.47M11.4%

VALUE ETF$46.76M10.2%

TOTAL INT BD ETF$42.48M9.2%

VAN FTSE DEV MKT$36.94M8.0%

SHORT TRM BOND$30.26M6.6%

COM$18.57M4.0%

Portfolio Concentration

Top 3$154.13M33.5%

4–10$167.49M36.4%

11–25$82.85M18.0%

Rest$55.65M12.1%

Top 3 weight

33.5%

Top 10 weight

69.9%

Voting Authority Distribution

Total shares with voting rights: 5.55M

Sole

Full voting authority

0.00

% of voting shares0.0%

Shared

Joint voting authority

0.00

% of voting shares0.0%

None

No voting authority

5.55M

% of voting shares100.0%

Investment Discretion (by position count)

Sole104

Shared0

Other0

Dominant voting typeNone · 100.0% of voting shares

Institutional Holdings104

Rows:

VANGUARD INDEX FDS

SOLE

GROWTH ETF

Shares146.78K

TypeSH

Market value$54.90M

11.93%

Sole

0.00

Shared

0.00

None

146.78K

VANGUARD BD INDEX FDS

SOLE

TOTAL BND MRKT

Shares728.22K

TypeSH

Market value$52.47M

11.40%

Sole

0.00

Shared

0.00

None

728.22K

VANGUARD INDEX FDS

SOLE

VALUE ETF

Shares291.52K

TypeSH

Market value$46.76M

10.16%

Sole

0.00

Shared

0.00

None

291.52K

VANGUARD CHARLOTTE FDS

SOLE

TOTAL INT BD ETF

Shares872.75K

TypeSH

Market value$42.48M

9.23%

Sole

0.00

Shared

0.00

None

872.75K

VANGUARD TAX-MANAGED FDS

SOLE

VAN FTSE DEV MKT

Shares747.47K

TypeSH

Market value$36.94M

8.03%

Sole

0.00

Shared

0.00

None

747.47K

VANGUARD BD INDEX FDS

SOLE

SHORT TRM BOND

Shares394.52K

TypeSH

Market value$30.26M

6.58%

Sole

0.00

Shared

0.00

None

394.52K

VANGUARD INDEX FDS

SOLE

SM CP VAL ETF

Shares91.47K

TypeSH

Market value$16.69M

3.63%

Sole

0.00

Shared

0.00

None

91.47K

VANGUARD INDEX FDS

SOLE

SML CP GRW ETF

Shares64.16K

TypeSH

Market value$16.05M

3.49%

Sole

0.00

Shared

0.00

None

64.16K

VANGUARD INDEX FDS

SOLE

REAL ESTATE ETF

Shares153.10K

TypeSH

Market value$12.82M

2.79%

Sole

0.00

Shared

0.00

None

153.10K

VANGUARD INTL EQUITY INDEX F

SOLE

FTSE EMR MKT ETF

Shares279.87K

TypeSH

Market value$12.25M

2.66%

Sole

0.00

Shared

0.00

None

279.87K

VANGUARD INTL EQUITY INDEX F

SOLE

FTSE SMCAP ETF

Shares99.48K

TypeSH

Market value$11.69M

2.54%

Sole

0.00

Shared

0.00

None

99.48K

VANGUARD MUN BD FDS

SOLE

TAX EXEMPT BD

Shares217.57K

TypeSH

Market value$10.90M

2.37%

Sole

0.00

Shared

0.00

None

217.57K

VANGUARD INDEX FDS

SOLE

TOTAL STK MKT

Shares32.95K

TypeSH

Market value$8.82M

1.92%

Sole

0.00

Shared

0.00

None

32.95K

ISHARES TR

SOLE

SHRT NAT MUN ETF

Shares81.54K

TypeSH

Market value$8.53M

1.85%

Sole

0.00

Shared

0.00

None

81.54K

SPDR INDEX SHS FDS

SOLE

PORTFOLIO DEVLPD

Shares232.48K

TypeSH

Market value$8.16M

1.77%

Sole

0.00

Shared

0.00

None

232.48K

VANGUARD INDEX FDS

SOLE

S&P 500 ETF SHS

Shares11.62K

TypeSH

Market value$5.81M

1.26%

Sole

0.00

Shared

0.00

None

11.62K

VANGUARD SCOTTSDALE FDS

SOLE

INT-TERM CORP

Shares62.23K

TypeSH

Market value$4.97M

1.08%

Sole

0.00

Shared

0.00

None

62.23K

ISHARES TR

SOLE

NATIONAL MUN ETF

Shares35.66K

TypeSH

Market value$3.80M

0.83%

Sole

0.00

Shared

0.00

None

35.66K

VANGUARD INDEX FDS

SOLE

MID CAP ETF

Shares14.50K

TypeSH

Market value$3.51M

0.76%

Sole

0.00

Shared

0.00

None

14.50K

SPDR SER TR

SOLE

PRTFLO S&P500 VL

Shares60.41K

TypeSH

Market value$2.94M

0.64%

Sole

0.00

Shared

0.00

None

60.41K

VANGUARD INDEX FDS

SOLE

EXTEND MKT ETF

Shares17.40K

TypeSH

Market value$2.94M

0.64%

Sole

0.00

Shared

0.00

None

17.40K

ISHARES TR

SOLE

EAFE SML CP ETF

Shares47.54K

TypeSH

Market value$2.93M

0.64%

Sole

0.00

Shared

0.00

None

47.54K

SPDR SER TR

SOLE

PRTFLO S&P500 GW

Shares34.36K

TypeSH

Market value$2.75M

0.60%

Sole

0.00

Shared

0.00

None

34.36K

VANGUARD WELLINGTON FD

SOLE

US MULTIFACTOR

Shares21.22K

TypeSH

Market value$2.60M

0.56%

Sole

0.00

Shared

0.00

None

21.22K

NORFOLK SOUTHN CORP

SOLE

COM

Shares11.66K

TypeSH

Market value$2.50M

0.54%

Sole

0.00

Shared

0.00

None

11.66K

Issuer	Class	Shares	Type	Value / Portfolio %	None
VANGUARD INDEX FDSSOLE	GROWTH ETF	146.78K	SH	$54.90M 11.93%	146.78K
VANGUARD BD INDEX FDSSOLE	TOTAL BND MRKT	728.22K	SH	$52.47M 11.40%	728.22K
VANGUARD INDEX FDSSOLE	VALUE ETF	291.52K	SH	$46.76M 10.16%	291.52K
VANGUARD CHARLOTTE FDSSOLE	TOTAL INT BD ETF	872.75K	SH	$42.48M 9.23%	872.75K
VANGUARD TAX-MANAGED FDSSOLE	VAN FTSE DEV MKT	747.47K	SH	$36.94M 8.03%	747.47K
VANGUARD BD INDEX FDSSOLE	SHORT TRM BOND	394.52K	SH	$30.26M 6.58%	394.52K
VANGUARD INDEX FDSSOLE	SM CP VAL ETF	91.47K	SH	$16.69M 3.63%	91.47K
VANGUARD INDEX FDSSOLE	SML CP GRW ETF	64.16K	SH	$16.05M 3.49%	64.16K
VANGUARD INDEX FDSSOLE	REAL ESTATE ETF	153.10K	SH	$12.82M 2.79%	153.10K
VANGUARD INTL EQUITY INDEX FSOLE	FTSE EMR MKT ETF	279.87K	SH	$12.25M 2.66%	279.87K
VANGUARD INTL EQUITY INDEX FSOLE	FTSE SMCAP ETF	99.48K	SH	$11.69M 2.54%	99.48K
VANGUARD MUN BD FDSSOLE	TAX EXEMPT BD	217.57K	SH	$10.90M 2.37%	217.57K
VANGUARD INDEX FDSSOLE	TOTAL STK MKT	32.95K	SH	$8.82M 1.92%	32.95K
ISHARES TRSOLE	SHRT NAT MUN ETF	81.54K	SH	$8.53M 1.85%	81.54K
SPDR INDEX SHS FDSSOLE	PORTFOLIO DEVLPD	232.48K	SH	$8.16M 1.77%	232.48K
VANGUARD INDEX FDSSOLE	S&P 500 ETF SHS	11.62K	SH	$5.81M 1.26%	11.62K
VANGUARD SCOTTSDALE FDSSOLE	INT-TERM CORP	62.23K	SH	$4.97M 1.08%	62.23K
ISHARES TRSOLE	NATIONAL MUN ETF	35.66K	SH	$3.80M 0.83%	35.66K
VANGUARD INDEX FDSSOLE	MID CAP ETF	14.50K	SH	$3.51M 0.76%	14.50K
SPDR SER TRSOLE	PRTFLO S&P500 VL	60.41K	SH	$2.94M 0.64%	60.41K
VANGUARD INDEX FDSSOLE	EXTEND MKT ETF	17.40K	SH	$2.94M 0.64%	17.40K
ISHARES TRSOLE	EAFE SML CP ETF	47.54K	SH	$2.93M 0.64%	47.54K
SPDR SER TRSOLE	PRTFLO S&P500 GW	34.36K	SH	$2.75M 0.60%	34.36K
VANGUARD WELLINGTON FDSOLE	US MULTIFACTOR	21.22K	SH	$2.60M 0.56%	21.22K
NORFOLK SOUTHN CORPSOLE	COM	11.66K	SH	$2.50M 0.54%	11.66K

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