PARTNERS IN FINANCIAL PLANNING

Filed: 2/26/2025ACC: 0002054264-25-000005

📋 What this filing means

PARTNERS IN FINANCIAL PLANNING filed this quarterly 13F‑HR report disclosing 103 equity positions with a total reported market value of $449.35M. This filing provides a transparent view of the manager's long equity holdings as of the quarter end.

103

Positions

$449.35M

Total AUM (reported)

5.39M

Total Shares

Allocation by class

GROWTH ETF$50.77M11.3%

TOTAL BND MRKT$49.08M10.9%

VALUE ETF$46.44M10.3%

TOTAL INT BD ETF$40.38M9.0%

VAN FTSE DEV MKT$36.70M8.2%

SHORT TRM BOND$28.21M6.3%

COM$18.97M4.2%

Portfolio Concentration

Top 3$146.29M32.6%

4–10$164.40M36.6%

11–25$82.75M18.4%

Rest$55.90M12.4%

Top 3 weight

32.6%

Top 10 weight

69.1%

Voting Authority Distribution

Total shares with voting rights: 5.39M

Sole

Full voting authority

0.00

% of voting shares0.0%

Shared

Joint voting authority

0.00

% of voting shares0.0%

None

No voting authority

5.39M

% of voting shares100.0%

Investment Discretion (by position count)

Sole103

Shared0

Other0

Dominant voting typeNone · 100.0% of voting shares

Institutional Holdings103

Rows:

VANGUARD INDEX FDS

SOLE

GROWTH ETF

Shares147.50K

TypeSH

Market value$50.77M

11.30%

Sole

0.00

Shared

0.00

None

147.50K

VANGUARD BD INDEX FDS

SOLE

TOTAL BND MRKT

Shares675.77K

TypeSH

Market value$49.08M

10.92%

Sole

0.00

Shared

0.00

None

675.77K

VANGUARD INDEX FDS

SOLE

VALUE ETF

Shares285.18K

TypeSH

Market value$46.44M

10.34%

Sole

0.00

Shared

0.00

None

285.18K

VANGUARD CHARLOTTE FDS

SOLE

TOTAL INT BD ETF

Shares820.80K

TypeSH

Market value$40.38M

8.99%

Sole

0.00

Shared

0.00

None

820.80K

VANGUARD TAX-MANAGED FDS

SOLE

VAN FTSE DEV MKT

Shares731.54K

TypeSH

Market value$36.70M

8.17%

Sole

0.00

Shared

0.00

None

731.54K

VANGUARD BD INDEX FDS

SOLE

SHORT TRM BOND

Shares367.88K

TypeSH

Market value$28.21M

6.28%

Sole

0.00

Shared

0.00

None

367.88K

VANGUARD INDEX FDS

SOLE

SM CP VAL ETF

Shares91.41K

TypeSH

Market value$17.54M

3.90%

Sole

0.00

Shared

0.00

None

91.41K

VANGUARD INDEX FDS

SOLE

SML CP GRW ETF

Shares64.28K

TypeSH

Market value$16.76M

3.73%

Sole

0.00

Shared

0.00

None

64.28K

VANGUARD INDEX FDS

SOLE

REAL ESTATE ETF

Shares151.56K

TypeSH

Market value$13.11M

2.92%

Sole

0.00

Shared

0.00

None

151.56K

VANGUARD INTL EQUITY INDEX F

SOLE

FTSE EMR MKT ETF

Shares280.49K

TypeSH

Market value$11.72M

2.61%

Sole

0.00

Shared

0.00

None

280.49K

VANGUARD INTL EQUITY INDEX F

SOLE

FTSE SMCAP ETF

Shares98.60K

TypeSH

Market value$11.52M

2.56%

Sole

0.00

Shared

0.00

None

98.60K

VANGUARD MUN BD FDS

SOLE

TAX EXEMPT BD

Shares220.04K

TypeSH

Market value$11.13M

2.48%

Sole

0.00

Shared

0.00

None

220.04K

ISHARES TR

SOLE

SHRT NAT MUN ETF

Shares82.24K

TypeSH

Market value$8.61M

1.92%

Sole

0.00

Shared

0.00

None

82.24K

VANGUARD INDEX FDS

SOLE

TOTAL STK MKT

Shares32.32K

TypeSH

Market value$8.40M

1.87%

Sole

0.00

Shared

0.00

None

32.32K

SPDR INDEX SHS FDS

SOLE

PORTFOLIO DEVLPD

Shares231.35K

TypeSH

Market value$8.29M

1.85%

Sole

0.00

Shared

0.00

None

231.35K

VANGUARD INDEX FDS

SOLE

S&P 500 ETF SHS

Shares12.53K

TypeSH

Market value$6.02M

1.34%

Sole

0.00

Shared

0.00

None

12.53K

VANGUARD SCOTTSDALE FDS

SOLE

INT-TERM CORP

Shares51.68K

TypeSH

Market value$4.16M

0.93%

Sole

0.00

Shared

0.00

None

51.68K

VANGUARD INDEX FDS

SOLE

MID CAP ETF

Shares14.52K

TypeSH

Market value$3.63M

0.81%

Sole

0.00

Shared

0.00

None

14.52K

ISHARES TR

SOLE

NATIONAL MUN ETF

Shares32.99K

TypeSH

Market value$3.55M

0.79%

Sole

0.00

Shared

0.00

None

32.99K

VANGUARD INDEX FDS

SOLE

EXTEND MKT ETF

Shares17.54K

TypeSH

Market value$3.07M

0.68%

Sole

0.00

Shared

0.00

None

17.54K

SPDR SER TR

SOLE

PRTFLO S&P500 VL

Shares60.31K

TypeSH

Market value$3.02M

0.67%

Sole

0.00

Shared

0.00

None

60.31K

ISHARES TR

SOLE

EAFE SML CP ETF

Shares47.70K

TypeSH

Market value$3.02M

0.67%

Sole

0.00

Shared

0.00

None

47.70K

NORFOLK SOUTHN CORP

SOLE

COM

Shares11.68K

TypeSH

Market value$2.98M

0.66%

Sole

0.00

Shared

0.00

None

11.68K

VANGUARD WELLINGTON FD

SOLE

US MULTIFACTOR

Shares21.05K

TypeSH

Market value$2.67M

0.59%

Sole

0.00

Shared

0.00

None

21.05K

SPDR SER TR

SOLE

PRTFLO S&P500 GW

Shares36.35K

TypeSH

Market value$2.66M

0.59%

Sole

0.00

Shared

0.00

None

36.35K

Issuer	Class	Shares	Type	Value / Portfolio %	None
VANGUARD INDEX FDSSOLE	GROWTH ETF	147.50K	SH	$50.77M 11.30%	147.50K
VANGUARD BD INDEX FDSSOLE	TOTAL BND MRKT	675.77K	SH	$49.08M 10.92%	675.77K
VANGUARD INDEX FDSSOLE	VALUE ETF	285.18K	SH	$46.44M 10.34%	285.18K
VANGUARD CHARLOTTE FDSSOLE	TOTAL INT BD ETF	820.80K	SH	$40.38M 8.99%	820.80K
VANGUARD TAX-MANAGED FDSSOLE	VAN FTSE DEV MKT	731.54K	SH	$36.70M 8.17%	731.54K
VANGUARD BD INDEX FDSSOLE	SHORT TRM BOND	367.88K	SH	$28.21M 6.28%	367.88K
VANGUARD INDEX FDSSOLE	SM CP VAL ETF	91.41K	SH	$17.54M 3.90%	91.41K
VANGUARD INDEX FDSSOLE	SML CP GRW ETF	64.28K	SH	$16.76M 3.73%	64.28K
VANGUARD INDEX FDSSOLE	REAL ESTATE ETF	151.56K	SH	$13.11M 2.92%	151.56K
VANGUARD INTL EQUITY INDEX FSOLE	FTSE EMR MKT ETF	280.49K	SH	$11.72M 2.61%	280.49K
VANGUARD INTL EQUITY INDEX FSOLE	FTSE SMCAP ETF	98.60K	SH	$11.52M 2.56%	98.60K
VANGUARD MUN BD FDSSOLE	TAX EXEMPT BD	220.04K	SH	$11.13M 2.48%	220.04K
ISHARES TRSOLE	SHRT NAT MUN ETF	82.24K	SH	$8.61M 1.92%	82.24K
VANGUARD INDEX FDSSOLE	TOTAL STK MKT	32.32K	SH	$8.40M 1.87%	32.32K
SPDR INDEX SHS FDSSOLE	PORTFOLIO DEVLPD	231.35K	SH	$8.29M 1.85%	231.35K
VANGUARD INDEX FDSSOLE	S&P 500 ETF SHS	12.53K	SH	$6.02M 1.34%	12.53K
VANGUARD SCOTTSDALE FDSSOLE	INT-TERM CORP	51.68K	SH	$4.16M 0.93%	51.68K
VANGUARD INDEX FDSSOLE	MID CAP ETF	14.52K	SH	$3.63M 0.81%	14.52K
ISHARES TRSOLE	NATIONAL MUN ETF	32.99K	SH	$3.55M 0.79%	32.99K
VANGUARD INDEX FDSSOLE	EXTEND MKT ETF	17.54K	SH	$3.07M 0.68%	17.54K
SPDR SER TRSOLE	PRTFLO S&P500 VL	60.31K	SH	$3.02M 0.67%	60.31K
ISHARES TRSOLE	EAFE SML CP ETF	47.70K	SH	$3.02M 0.67%	47.70K
NORFOLK SOUTHN CORPSOLE	COM	11.68K	SH	$2.98M 0.66%	11.68K
VANGUARD WELLINGTON FDSOLE	US MULTIFACTOR	21.05K	SH	$2.67M 0.59%	21.05K
SPDR SER TRSOLE	PRTFLO S&P500 GW	36.35K	SH	$2.66M 0.59%	36.35K

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