PARTNERS IN FINANCIAL PLANNING

Filed: 5/5/2025ACC: 0002054264-25-000015

📋 What this filing means

PARTNERS IN FINANCIAL PLANNING filed this quarterly 13F‑HR report disclosing 94 equity positions with a total reported market value of $314.59M. This filing provides a transparent view of the manager's long equity holdings as of the quarter end.

Positions

$314.59M

Total AUM (reported)

4.20M

Total Shares

Allocation by class

TOTAL BND MRKT$39.84M12.7%

TOTAL INT BD ETF$36.36M11.6%

VALUE ETF$34.08M10.8%

GROWTH ETF$33.34M10.6%

VAN FTSE DEV MKT$24.96M7.9%

SHORT TRM BOND$18.64M5.9%

COM$17.83M5.7%

Portfolio Concentration

Top 3$110.27M35.1%

4–10$122.79M39.0%

11–25$43.91M14.0%

Rest$37.62M12.0%

Top 3 weight

35.1%

Top 10 weight

74.1%

Voting Authority Distribution

Total shares with voting rights: 4.20M

Sole

Full voting authority

0.00

% of voting shares0.0%

Shared

Joint voting authority

0.00

% of voting shares0.0%

None

No voting authority

4.20M

% of voting shares100.0%

Investment Discretion (by position count)

Sole94

Shared0

Other0

Dominant voting typeNone · 100.0% of voting shares

Institutional Holdings94

Rows:

VANGUARD BD INDEX FDS

SOLE

TOTAL BND MRKT

Shares539.63K

TypeSH

Market value$39.84M

12.66%

Sole

0.00

Shared

0.00

None

539.63K

VANGUARD CHARLOTTE FDS

SOLE

TOTAL INT BD ETF

Shares746.37K

TypeSH

Market value$36.36M

11.56%

Sole

0.00

Shared

0.00

None

746.37K

VANGUARD INDEX FDS

SOLE

VALUE ETF

Shares245.99K

TypeSH

Market value$34.08M

10.83%

Sole

0.00

Shared

0.00

None

245.99K

VANGUARD INDEX FDS

SOLE

GROWTH ETF

Shares134.96K

TypeSH

Market value$33.34M

10.60%

Sole

0.00

Shared

0.00

None

134.96K

VANGUARD TAX-MANAGED FDS

SOLE

VAN FTSE DEV MKT

Shares609.73K

TypeSH

Market value$24.96M

7.93%

Sole

0.00

Shared

0.00

None

609.73K

VANGUARD BD INDEX FDS

SOLE

SHORT TRM BOND

Shares245.04K

TypeSH

Market value$18.64M

5.93%

Sole

0.00

Shared

0.00

None

245.04K

VANGUARD INDEX FDS

SOLE

SML CP GRW ETF

Shares53.76K

TypeSH

Market value$11.99M

3.81%

Sole

0.00

Shared

0.00

None

53.76K

VANGUARD INDEX FDS

SOLE

SM CP VAL ETF

Shares71.67K

TypeSH

Market value$11.75M

3.74%

Sole

0.00

Shared

0.00

None

71.67K

VANGUARD INDEX FDS

SOLE

REAL ESTATE ETF

Shares118.24K

TypeSH

Market value$11.33M

3.60%

Sole

0.00

Shared

0.00

None

118.24K

VANGUARD INTL EQUITY INDEX F

SOLE

FTSE EMR MKT ETF

Shares262.76K

TypeSH

Market value$10.78M

3.43%

Sole

0.00

Shared

0.00

None

262.76K

VANGUARD INTL EQUITY INDEX F

SOLE

FTSE SMCAP ETF

Shares82.50K

TypeSH

Market value$8.69M

2.76%

Sole

0.00

Shared

0.00

None

82.50K

SPDR INDEX SHS FDS

SOLE

PORTFOLIO DEVLPD

Shares143.13K

TypeSH

Market value$4.14M

1.32%

Sole

0.00

Shared

0.00

None

143.13K

VANGUARD INDEX FDS

SOLE

TOTAL STK MKT

Shares17.99K

TypeSH

Market value$3.68M

1.17%

Sole

0.00

Shared

0.00

None

17.99K

VANGUARD MUN BD FDS

SOLE

TAX EXEMPT BD

Shares68.74K

TypeSH

Market value$3.39M

1.08%

Sole

0.00

Shared

0.00

None

68.74K

VANGUARD BD INDEX FDS

SOLE

INTERMED TERM

Shares40.88K

TypeSH

Market value$3.12M

0.99%

Sole

0.00

Shared

0.00

None

40.88K

NORFOLK SOUTHN CORP

SOLE

COM

Shares11.96K

TypeSH

Market value$2.99M

0.95%

Sole

0.00

Shared

0.00

None

11.96K

ISHARES TR

SOLE

EAFE SML CP ETF

Shares48.50K

TypeSH

Market value$2.67M

0.85%

Sole

0.00

Shared

0.00

None

48.50K

VANGUARD INDEX FDS

SOLE

MID CAP ETF

Shares11.93K

TypeSH

Market value$2.59M

0.82%

Sole

0.00

Shared

0.00

None

11.93K

VANGUARD WELLINGTON FD

SOLE

US MULTIFACTOR

Shares24.42K

TypeSH

Market value$2.39M

0.76%

Sole

0.00

Shared

0.00

None

24.42K

SPDR SER TR

SOLE

PRTFLO S&P500 VL

Shares57.99K

TypeSH

Market value$2.26M

0.72%

Sole

0.00

Shared

0.00

None

57.99K

VANGUARD SCOTTSDALE FDS

SOLE

INT-TERM CORP

Shares24.37K

TypeSH

Market value$1.93M

0.61%

Sole

0.00

Shared

0.00

None

24.37K

SPDR SER TR

SOLE

S&P 600 SMCP VAL

Shares24.98K

TypeSH

Market value$1.89M

0.60%

Sole

0.00

Shared

0.00

None

24.98K

VANGUARD INTL EQUITY INDEX F

SOLE

GLB EX US ETF

Shares35.28K

TypeSH

Market value$1.53M

0.49%

Sole

0.00

Shared

0.00

None

35.28K

ISHARES TR

SOLE

U S EQUITY FACTR

Shares32.15K

TypeSH

Market value$1.33M

0.42%

Sole

0.00

Shared

0.00

None

32.15K

SPDR INDEX SHS FDS

SOLE

PORTFOLIO EMG MK

Shares38.10K

TypeSH

Market value$1.31M

0.42%

Sole

0.00

Shared

0.00

None

38.10K

Issuer	Class	Shares	Type	Value / Portfolio %	None
VANGUARD BD INDEX FDSSOLE	TOTAL BND MRKT	539.63K	SH	$39.84M 12.66%	539.63K
VANGUARD CHARLOTTE FDSSOLE	TOTAL INT BD ETF	746.37K	SH	$36.36M 11.56%	746.37K
VANGUARD INDEX FDSSOLE	VALUE ETF	245.99K	SH	$34.08M 10.83%	245.99K
VANGUARD INDEX FDSSOLE	GROWTH ETF	134.96K	SH	$33.34M 10.60%	134.96K
VANGUARD TAX-MANAGED FDSSOLE	VAN FTSE DEV MKT	609.73K	SH	$24.96M 7.93%	609.73K
VANGUARD BD INDEX FDSSOLE	SHORT TRM BOND	245.04K	SH	$18.64M 5.93%	245.04K
VANGUARD INDEX FDSSOLE	SML CP GRW ETF	53.76K	SH	$11.99M 3.81%	53.76K
VANGUARD INDEX FDSSOLE	SM CP VAL ETF	71.67K	SH	$11.75M 3.74%	71.67K
VANGUARD INDEX FDSSOLE	REAL ESTATE ETF	118.24K	SH	$11.33M 3.60%	118.24K
VANGUARD INTL EQUITY INDEX FSOLE	FTSE EMR MKT ETF	262.76K	SH	$10.78M 3.43%	262.76K
VANGUARD INTL EQUITY INDEX FSOLE	FTSE SMCAP ETF	82.50K	SH	$8.69M 2.76%	82.50K
SPDR INDEX SHS FDSSOLE	PORTFOLIO DEVLPD	143.13K	SH	$4.14M 1.32%	143.13K
VANGUARD INDEX FDSSOLE	TOTAL STK MKT	17.99K	SH	$3.68M 1.17%	17.99K
VANGUARD MUN BD FDSSOLE	TAX EXEMPT BD	68.74K	SH	$3.39M 1.08%	68.74K
VANGUARD BD INDEX FDSSOLE	INTERMED TERM	40.88K	SH	$3.12M 0.99%	40.88K
NORFOLK SOUTHN CORPSOLE	COM	11.96K	SH	$2.99M 0.95%	11.96K
ISHARES TRSOLE	EAFE SML CP ETF	48.50K	SH	$2.67M 0.85%	48.50K
VANGUARD INDEX FDSSOLE	MID CAP ETF	11.93K	SH	$2.59M 0.82%	11.93K
VANGUARD WELLINGTON FDSOLE	US MULTIFACTOR	24.42K	SH	$2.39M 0.76%	24.42K
SPDR SER TRSOLE	PRTFLO S&P500 VL	57.99K	SH	$2.26M 0.72%	57.99K
VANGUARD SCOTTSDALE FDSSOLE	INT-TERM CORP	24.37K	SH	$1.93M 0.61%	24.37K
SPDR SER TRSOLE	S&P 600 SMCP VAL	24.98K	SH	$1.89M 0.60%	24.98K
VANGUARD INTL EQUITY INDEX FSOLE	GLB EX US ETF	35.28K	SH	$1.53M 0.49%	35.28K
ISHARES TRSOLE	U S EQUITY FACTR	32.15K	SH	$1.33M 0.42%	32.15K
SPDR INDEX SHS FDSSOLE	PORTFOLIO EMG MK	38.10K	SH	$1.31M 0.42%	38.10K

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