PARTNERS IN FINANCIAL PLANNING

Filed: 5/5/2025ACC: 0002054264-25-000014

📋 What this filing means

PARTNERS IN FINANCIAL PLANNING filed this quarterly 13F‑HR report disclosing 90 equity positions with a total reported market value of $350.07M. This filing provides a transparent view of the manager's long equity holdings as of the quarter end.

Positions

$350.07M

Total AUM (reported)

4.64M

Total Shares

Allocation by class

TOTAL BND MRKT$42.02M12.0%

VALUE ETF$40.51M11.6%

TOTAL INT BD ETF$37.73M10.8%

GROWTH ETF$35.31M10.1%

VAN FTSE DEV MKT$27.95M8.0%

SHORT TRM BOND$19.97M5.7%

COM$17.23M4.9%

Portfolio Concentration

Top 3$120.25M34.4%

4–10$133.68M38.2%

11–25$56.91M16.3%

Rest$39.23M11.2%

Top 3 weight

34.4%

Top 10 weight

72.5%

Voting Authority Distribution

Total shares with voting rights: 4.64M

Sole

Full voting authority

0.00

% of voting shares0.0%

Shared

Joint voting authority

0.00

% of voting shares0.0%

None

No voting authority

4.64M

% of voting shares100.0%

Investment Discretion (by position count)

Sole90

Shared0

Other0

Dominant voting typeNone · 100.0% of voting shares

Institutional Holdings90

Rows:

VANGUARD BD INDEX FDS

SOLE

TOTAL BND MRKT

Shares585.64K

TypeSH

Market value$42.02M

12.00%

Sole

0.00

Shared

0.00

None

585.64K

VANGUARD INDEX FDS

SOLE

VALUE ETF

Shares284.51K

TypeSH

Market value$40.51M

11.57%

Sole

0.00

Shared

0.00

None

284.51K

VANGUARD CHARLOTTE FDS

SOLE

TOTAL INT BD ETF

Shares777.86K

TypeSH

Market value$37.73M

10.78%

Sole

0.00

Shared

0.00

None

777.86K

VANGUARD INDEX FDS

SOLE

GROWTH ETF

Shares155.98K

TypeSH

Market value$35.31M

10.09%

Sole

0.00

Shared

0.00

None

155.98K

VANGUARD TAX-MANAGED FDS

SOLE

VAN FTSE DEV MKT

Shares663.02K

TypeSH

Market value$27.95M

7.98%

Sole

0.00

Shared

0.00

None

663.02K

VANGUARD BD INDEX FDS

SOLE

SHORT TRM BOND

Shares266.01K

TypeSH

Market value$19.97M

5.71%

Sole

0.00

Shared

0.00

None

266.01K

VANGUARD INDEX FDS

SOLE

SM CP VAL ETF

Shares86.13K

TypeSH

Market value$14.22M

4.06%

Sole

0.00

Shared

0.00

None

86.13K

VANGUARD INDEX FDS

SOLE

SML CP GRW ETF

Shares60.63K

TypeSH

Market value$12.67M

3.62%

Sole

0.00

Shared

0.00

None

60.63K

VANGUARD INDEX FDS

SOLE

REAL ESTATE ETF

Shares138.42K

TypeSH

Market value$11.83M

3.38%

Sole

0.00

Shared

0.00

None

138.42K

VANGUARD INTL EQUITY INDEX F

SOLE

FTSE EMR MKT ETF

Shares301K

TypeSH

Market value$11.73M

3.35%

Sole

0.00

Shared

0.00

None

301K

VANGUARD INTL EQUITY INDEX F

SOLE

FTSE SMCAP ETF

Shares93.69K

TypeSH

Market value$9.74M

2.78%

Sole

0.00

Shared

0.00

None

93.69K

VANGUARD INDEX FDS

SOLE

TOTAL STK MKT

Shares34.86K

TypeSH

Market value$6.92M

1.98%

Sole

0.00

Shared

0.00

None

34.86K

SPDR INDEX SHS FDS

SOLE

PORTFOLIO DEVLPD

Shares186.59K

TypeSH

Market value$5.57M

1.59%

Sole

0.00

Shared

0.00

None

186.59K

VANGUARD INDEX FDS

SOLE

S&P 500 ETF SHS

Shares13.35K

TypeSH

Market value$4.86M

1.39%

Sole

0.00

Shared

0.00

None

13.35K

VANGUARD MUN BD FDS

SOLE

TAX EXEMPT BD

Shares81.15K

TypeSH

Market value$3.99M

1.14%

Sole

0.00

Shared

0.00

None

81.15K

VANGUARD INDEX FDS

SOLE

MID CAP ETF

Shares15.48K

TypeSH

Market value$3.25M

0.93%

Sole

0.00

Shared

0.00

None

15.48K

VANGUARD BD INDEX FDS

SOLE

INTERMED TERM

Shares40.55K

TypeSH

Market value$3.02M

0.86%

Sole

0.00

Shared

0.00

None

40.55K

NORFOLK SOUTHN CORP

SOLE

COM

Shares11.69K

TypeSH

Market value$2.88M

0.82%

Sole

0.00

Shared

0.00

None

11.69K

ISHARES TR

SOLE

EAFE SML CP ETF

Shares49.30K

TypeSH

Market value$2.74M

0.78%

Sole

0.00

Shared

0.00

None

49.30K

VANGUARD INDEX FDS

SOLE

EXTEND MKT ETF

Shares19.11K

TypeSH

Market value$2.66M

0.76%

Sole

0.00

Shared

0.00

None

19.11K

ISHARES TR

SOLE

SHRT NAT MUN ETF

Shares25.43K

TypeSH

Market value$2.64M

0.75%

Sole

0.00

Shared

0.00

None

25.43K

VANGUARD WELLINGTON FD

SOLE

US MULTIFACTOR

Shares24.43K

TypeSH

Market value$2.50M

0.72%

Sole

0.00

Shared

0.00

None

24.43K

SPDR SER TR

SOLE

PRTFLO S&P500 VL

Shares58.16K

TypeSH

Market value$2.30M

0.66%

Sole

0.00

Shared

0.00

None

58.16K

VANGUARD SCOTTSDALE FDS

SOLE

INT-TERM CORP

Shares25.05K

TypeSH

Market value$1.94M

0.55%

Sole

0.00

Shared

0.00

None

25.05K

SPDR SER TR

SOLE

S&P 600 SMCP VAL

Shares24.20K

TypeSH

Market value$1.90M

0.54%

Sole

0.00

Shared

0.00

None

24.20K

Issuer	Class	Shares	Type	Value / Portfolio %	None
VANGUARD BD INDEX FDSSOLE	TOTAL BND MRKT	585.64K	SH	$42.02M 12.00%	585.64K
VANGUARD INDEX FDSSOLE	VALUE ETF	284.51K	SH	$40.51M 11.57%	284.51K
VANGUARD CHARLOTTE FDSSOLE	TOTAL INT BD ETF	777.86K	SH	$37.73M 10.78%	777.86K
VANGUARD INDEX FDSSOLE	GROWTH ETF	155.98K	SH	$35.31M 10.09%	155.98K
VANGUARD TAX-MANAGED FDSSOLE	VAN FTSE DEV MKT	663.02K	SH	$27.95M 7.98%	663.02K
VANGUARD BD INDEX FDSSOLE	SHORT TRM BOND	266.01K	SH	$19.97M 5.71%	266.01K
VANGUARD INDEX FDSSOLE	SM CP VAL ETF	86.13K	SH	$14.22M 4.06%	86.13K
VANGUARD INDEX FDSSOLE	SML CP GRW ETF	60.63K	SH	$12.67M 3.62%	60.63K
VANGUARD INDEX FDSSOLE	REAL ESTATE ETF	138.42K	SH	$11.83M 3.38%	138.42K
VANGUARD INTL EQUITY INDEX FSOLE	FTSE EMR MKT ETF	301K	SH	$11.73M 3.35%	301K
VANGUARD INTL EQUITY INDEX FSOLE	FTSE SMCAP ETF	93.69K	SH	$9.74M 2.78%	93.69K
VANGUARD INDEX FDSSOLE	TOTAL STK MKT	34.86K	SH	$6.92M 1.98%	34.86K
SPDR INDEX SHS FDSSOLE	PORTFOLIO DEVLPD	186.59K	SH	$5.57M 1.59%	186.59K
VANGUARD INDEX FDSSOLE	S&P 500 ETF SHS	13.35K	SH	$4.86M 1.39%	13.35K
VANGUARD MUN BD FDSSOLE	TAX EXEMPT BD	81.15K	SH	$3.99M 1.14%	81.15K
VANGUARD INDEX FDSSOLE	MID CAP ETF	15.48K	SH	$3.25M 0.93%	15.48K
VANGUARD BD INDEX FDSSOLE	INTERMED TERM	40.55K	SH	$3.02M 0.86%	40.55K
NORFOLK SOUTHN CORPSOLE	COM	11.69K	SH	$2.88M 0.82%	11.69K
ISHARES TRSOLE	EAFE SML CP ETF	49.30K	SH	$2.74M 0.78%	49.30K
VANGUARD INDEX FDSSOLE	EXTEND MKT ETF	19.11K	SH	$2.66M 0.76%	19.11K
ISHARES TRSOLE	SHRT NAT MUN ETF	25.43K	SH	$2.64M 0.75%	25.43K
VANGUARD WELLINGTON FDSOLE	US MULTIFACTOR	24.43K	SH	$2.50M 0.72%	24.43K
SPDR SER TRSOLE	PRTFLO S&P500 VL	58.16K	SH	$2.30M 0.66%	58.16K
VANGUARD SCOTTSDALE FDSSOLE	INT-TERM CORP	25.05K	SH	$1.94M 0.55%	25.05K
SPDR SER TRSOLE	S&P 600 SMCP VAL	24.20K	SH	$1.90M 0.54%	24.20K

Page 1 of 4