PARTNERS IN FINANCIAL PLANNING

Filed: 5/5/2025ACC: 0002054264-25-000016

📋 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 $317.81M. This filing provides a transparent view of the manager's long equity holdings as of the quarter end.

Positions

$317.81M

Total AUM (reported)

3.95M

Total Shares

Allocation by class

TOTAL BND MRKT$40.88M12.9%

TOTAL INT BD ETF$38.35M12.1%

VALUE ETF$34.58M10.9%

GROWTH ETF$33.47M10.5%

VAN FTSE DEV MKT$24.82M7.8%

COM$18.57M5.8%

SHORT TRM BOND$18.52M5.8%

Portfolio Concentration

Top 3$113.81M35.8%

4–10$123.98M39.0%

11–25$44.76M14.1%

Rest$35.25M11.1%

Top 3 weight

35.8%

Top 10 weight

74.8%

Voting Authority Distribution

Total shares with voting rights: 3.95M

Sole

Full voting authority

0.00

% of voting shares0.0%

Shared

Joint voting authority

0.00

% of voting shares0.0%

None

No voting authority

3.95M

% 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

Shares535.78K

TypeSH

Market value$40.88M

12.86%

Sole

0.00

Shared

0.00

None

535.78K

VANGUARD CHARLOTTE FDS

SOLE

TOTAL INT BD ETF

Shares751.56K

TypeSH

Market value$38.35M

12.07%

Sole

0.00

Shared

0.00

None

751.56K

VANGUARD INDEX FDS

SOLE

VALUE ETF

Shares238K

TypeSH

Market value$34.58M

10.88%

Sole

0.00

Shared

0.00

None

238K

VANGUARD INDEX FDS

SOLE

GROWTH ETF

Shares128.93K

TypeSH

Market value$33.47M

10.53%

Sole

0.00

Shared

0.00

None

128.93K

VANGUARD TAX-MANAGED FDS

SOLE

VAN FTSE DEV MKT

Shares540.22K

TypeSH

Market value$24.82M

7.81%

Sole

0.00

Shared

0.00

None

540.22K

VANGUARD BD INDEX FDS

SOLE

SHORT TRM BOND

Shares240.54K

TypeSH

Market value$18.52M

5.83%

Sole

0.00

Shared

0.00

None

240.54K

VANGUARD INDEX FDS

SOLE

REAL ESTATE ETF

Shares115.90K

TypeSH

Market value$12.72M

4.00%

Sole

0.00

Shared

0.00

None

115.90K

VANGUARD INDEX FDS

SOLE

SM CP VAL ETF

Shares70.87K

TypeSH

Market value$12.08M

3.80%

Sole

0.00

Shared

0.00

None

70.87K

VANGUARD INDEX FDS

SOLE

SML CP GRW ETF

Shares51K

TypeSH

Market value$11.70M

3.68%

Sole

0.00

Shared

0.00

None

51K

VANGUARD INTL EQUITY INDEX F

SOLE

FTSE EMR MKT ETF

Shares244.95K

TypeSH

Market value$10.68M

3.36%

Sole

0.00

Shared

0.00

None

244.95K

VANGUARD INTL EQUITY INDEX F

SOLE

FTSE SMCAP ETF

Shares79.76K

TypeSH

Market value$9.43M

2.97%

Sole

0.00

Shared

0.00

None

79.76K

SPDR INDEX SHS FDS

SOLE

PORTFOLIO DEVLPD

Shares136.26K

TypeSH

Market value$4.46M

1.40%

Sole

0.00

Shared

0.00

None

136.26K

VANGUARD INDEX FDS

SOLE

TOTAL STK MKT

Shares18.41K

TypeSH

Market value$3.94M

1.24%

Sole

0.00

Shared

0.00

None

18.41K

VANGUARD BD INDEX FDS

SOLE

INTERMED TERM

Shares40.51K

TypeSH

Market value$3.19M

1.00%

Sole

0.00

Shared

0.00

None

40.51K

NORFOLK SOUTHN CORP

SOLE

COM

Shares12K

TypeSH

Market value$3.10M

0.98%

Sole

0.00

Shared

0.00

None

12K

ISHARES TR

SOLE

EAFE SML CP ETF

Shares45.75K

TypeSH

Market value$2.91M

0.92%

Sole

0.00

Shared

0.00

None

45.75K

VANGUARD INDEX FDS

SOLE

MID CAP ETF

Shares11.87K

TypeSH

Market value$2.69M

0.85%

Sole

0.00

Shared

0.00

None

11.87K

VANGUARD WELLINGTON FD

SOLE

US MULTIFACTOR

Shares24.40K

TypeSH

Market value$2.45M

0.77%

Sole

0.00

Shared

0.00

None

24.40K

SPDR SER TR

SOLE

PRTFLO S&P500 VL

Shares58.49K

TypeSH

Market value$2.40M

0.75%

Sole

0.00

Shared

0.00

None

58.49K

SPDR SER TR

SOLE

S&P 600 SMCP VAL

Shares28.72K

TypeSH

Market value$2.33M

0.73%

Sole

0.00

Shared

0.00

None

28.72K

VANGUARD SCOTTSDALE FDS

SOLE

INT-TERM CORP

Shares23.89K

TypeSH

Market value$1.96M

0.62%

Sole

0.00

Shared

0.00

None

23.89K

VANGUARD INTL EQUITY INDEX F

SOLE

GLB EX US ETF

Shares36.37K

TypeSH

Market value$1.81M

0.57%

Sole

0.00

Shared

0.00

None

36.37K

ISHARES TR

SOLE

U S EQUITY FACTR

Shares32.28K

TypeSH

Market value$1.39M

0.44%

Sole

0.00

Shared

0.00

None

32.28K

EDWARDS LIFESCIENCES CORP

SOLE

COM

Shares11.58K

TypeSH

Market value$1.37M

0.43%

Sole

0.00

Shared

0.00

None

11.58K

NIKE INC

SOLE

CL B

Shares10.39K

TypeSH

Market value$1.34M

0.42%

Sole

0.00

Shared

0.00

None

10.39K

Issuer	Class	Shares	Type	Value / Portfolio %	None
VANGUARD BD INDEX FDSSOLE	TOTAL BND MRKT	535.78K	SH	$40.88M 12.86%	535.78K
VANGUARD CHARLOTTE FDSSOLE	TOTAL INT BD ETF	751.56K	SH	$38.35M 12.07%	751.56K
VANGUARD INDEX FDSSOLE	VALUE ETF	238K	SH	$34.58M 10.88%	238K
VANGUARD INDEX FDSSOLE	GROWTH ETF	128.93K	SH	$33.47M 10.53%	128.93K
VANGUARD TAX-MANAGED FDSSOLE	VAN FTSE DEV MKT	540.22K	SH	$24.82M 7.81%	540.22K
VANGUARD BD INDEX FDSSOLE	SHORT TRM BOND	240.54K	SH	$18.52M 5.83%	240.54K
VANGUARD INDEX FDSSOLE	REAL ESTATE ETF	115.90K	SH	$12.72M 4.00%	115.90K
VANGUARD INDEX FDSSOLE	SM CP VAL ETF	70.87K	SH	$12.08M 3.80%	70.87K
VANGUARD INDEX FDSSOLE	SML CP GRW ETF	51K	SH	$11.70M 3.68%	51K
VANGUARD INTL EQUITY INDEX FSOLE	FTSE EMR MKT ETF	244.95K	SH	$10.68M 3.36%	244.95K
VANGUARD INTL EQUITY INDEX FSOLE	FTSE SMCAP ETF	79.76K	SH	$9.43M 2.97%	79.76K
SPDR INDEX SHS FDSSOLE	PORTFOLIO DEVLPD	136.26K	SH	$4.46M 1.40%	136.26K
VANGUARD INDEX FDSSOLE	TOTAL STK MKT	18.41K	SH	$3.94M 1.24%	18.41K
VANGUARD BD INDEX FDSSOLE	INTERMED TERM	40.51K	SH	$3.19M 1.00%	40.51K
NORFOLK SOUTHN CORPSOLE	COM	12K	SH	$3.10M 0.98%	12K
ISHARES TRSOLE	EAFE SML CP ETF	45.75K	SH	$2.91M 0.92%	45.75K
VANGUARD INDEX FDSSOLE	MID CAP ETF	11.87K	SH	$2.69M 0.85%	11.87K
VANGUARD WELLINGTON FDSOLE	US MULTIFACTOR	24.40K	SH	$2.45M 0.77%	24.40K
SPDR SER TRSOLE	PRTFLO S&P500 VL	58.49K	SH	$2.40M 0.75%	58.49K
SPDR SER TRSOLE	S&P 600 SMCP VAL	28.72K	SH	$2.33M 0.73%	28.72K
VANGUARD SCOTTSDALE FDSSOLE	INT-TERM CORP	23.89K	SH	$1.96M 0.62%	23.89K
VANGUARD INTL EQUITY INDEX FSOLE	GLB EX US ETF	36.37K	SH	$1.81M 0.57%	36.37K
ISHARES TRSOLE	U S EQUITY FACTR	32.28K	SH	$1.39M 0.44%	32.28K
EDWARDS LIFESCIENCES CORPSOLE	COM	11.58K	SH	$1.37M 0.43%	11.58K
NIKE INCSOLE	CL B	10.39K	SH	$1.34M 0.42%	10.39K

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