PARTNERS IN FINANCIAL PLANNING

Filed: 11/10/2025ACC: 0002054264-25-000023

📋 What this filing means

PARTNERS IN FINANCIAL PLANNING filed this quarterly 13F‑HR report disclosing 115 equity positions with a total reported market value of $578.48M. This filing provides a transparent view of the manager's long equity holdings as of the quarter end.

115

Positions

$578.48M

Total AUM (reported)

6.37M

Total Shares

Allocation by class

TOTAL BND MRKT$71.81M12.4%

GROWTH ETF$66.63M11.5%

VALUE ETF$56.22M9.7%

TOTAL INT BD ETF$53.24M9.2%

VAN FTSE DEV MKT$46.44M8.0%

SHORT TRM BOND$36.07M6.2%

COM$25.05M4.3%

Portfolio Concentration

Top 3$194.66M33.7%

4–10$208.01M36.0%

11–25$105.66M18.3%

Rest$70.14M12.1%

Top 3 weight

33.7%

Top 10 weight

69.6%

Voting Authority Distribution

Total shares with voting rights: 6.37M

Sole

Full voting authority

0.00

% of voting shares0.0%

Shared

Joint voting authority

0.00

% of voting shares0.0%

None

No voting authority

6.37M

% of voting shares100.0%

Investment Discretion (by position count)

Sole115

Shared0

Other0

Dominant voting typeNone · 100.0% of voting shares

Institutional Holdings115

Rows:

VANGUARD BD INDEX FDS

SOLE

TOTAL BND MRKT

Shares965.63K

TypeSH

Market value$71.81M

12.41%

Sole

0.00

Shared

0.00

None

965.63K

VANGUARD INDEX FDS

SOLE

GROWTH ETF

Shares138.92K

TypeSH

Market value$66.63M

11.52%

Sole

0.00

Shared

0.00

None

138.92K

VANGUARD INDEX FDS

SOLE

VALUE ETF

Shares301.48K

TypeSH

Market value$56.22M

9.72%

Sole

0.00

Shared

0.00

None

301.48K

VANGUARD CHARLOTTE FDS

SOLE

TOTAL INT BD ETF

Shares1.08M

TypeSH

Market value$53.24M

9.20%

Sole

0.00

Shared

0.00

None

1.08M

VANGUARD TAX-MANAGED FDS

SOLE

VAN FTSE DEV MKT

Shares775.07K

TypeSH

Market value$46.44M

8.03%

Sole

0.00

Shared

0.00

None

775.07K

VANGUARD BD INDEX FDS

SOLE

SHORT TRM BOND

Shares457.16K

TypeSH

Market value$36.07M

6.24%

Sole

0.00

Shared

0.00

None

457.16K

VANGUARD INDEX FDS

SOLE

SM CP VAL ETF

Shares100.22K

TypeSH

Market value$20.92M

3.62%

Sole

0.00

Shared

0.00

None

100.22K

VANGUARD INDEX FDS

SOLE

SML CP GRW ETF

Shares66.34K

TypeSH

Market value$19.74M

3.41%

Sole

0.00

Shared

0.00

None

66.34K

VANGUARD INTL EQUITY INDEX F

SOLE

FTSE EMR MKT ETF

Shares304.47K

TypeSH

Market value$16.50M

2.85%

Sole

0.00

Shared

0.00

None

304.47K

VANGUARD INTL EQUITY INDEX F

SOLE

FTSE SMCAP ETF

Shares105.93K

TypeSH

Market value$15.10M

2.61%

Sole

0.00

Shared

0.00

None

105.93K

VANGUARD INDEX FDS

SOLE

REAL ESTATE ETF

Shares155.39K

TypeSH

Market value$14.21M

2.46%

Sole

0.00

Shared

0.00

None

155.39K

SPDR INDEX SHS FDS

SOLE

PORTFOLIO DEVLPD

Shares286.53K

TypeSH

Market value$12.26M

2.12%

Sole

0.00

Shared

0.00

None

286.53K

VANGUARD INDEX FDS

SOLE

TOTAL STK MKT

Shares35.66K

TypeSH

Market value$11.70M

2.02%

Sole

0.00

Shared

0.00

None

35.66K

VANGUARD MUN BD FDS

SOLE

TAX EXEMPT BD

Shares225.06K

TypeSH

Market value$11.27M

1.95%

Sole

0.00

Shared

0.00

None

225.06K

ISHARES TR

SOLE

SHRT NAT MUN ETF

Shares97.95K

TypeSH

Market value$10.46M

1.81%

Sole

0.00

Shared

0.00

None

97.95K

VANGUARD SCOTTSDALE FDS

SOLE

INT-TERM CORP

Shares88.95K

TypeSH

Market value$7.48M

1.29%

Sole

0.00

Shared

0.00

None

88.95K

VANGUARD INDEX FDS

SOLE

S&P 500 ETF SHS

Shares10.61K

TypeSH

Market value$6.50M

1.12%

Sole

0.00

Shared

0.00

None

10.61K

ISHARES TR

SOLE

NATIONAL MUN ETF

Shares50.48K

TypeSH

Market value$5.38M

0.93%

Sole

0.00

Shared

0.00

None

50.48K

SPDR SER TR

SOLE

PRTFLO S&P500 GW

Shares42.78K

TypeSH

Market value$4.47M

0.77%

Sole

0.00

Shared

0.00

None

42.78K

SPDR SER TR

SOLE

PRTFLO S&P500 VL

Shares78.15K

TypeSH

Market value$4.32M

0.75%

Sole

0.00

Shared

0.00

None

78.15K

VANGUARD INDEX FDS

SOLE

MID CAP ETF

Shares14.11K

TypeSH

Market value$4.15M

0.72%

Sole

0.00

Shared

0.00

None

14.11K

ISHARES TR

SOLE

EAFE SML CP ETF

Shares50.95K

TypeSH

Market value$3.91M

0.68%

Sole

0.00

Shared

0.00

None

50.95K

VANGUARD INDEX FDS

SOLE

EXTEND MKT ETF

Shares16.03K

TypeSH

Market value$3.36M

0.58%

Sole

0.00

Shared

0.00

None

16.03K

SPDR INDEX SHS FDS

SOLE

PORTFOLIO EMG MK

Shares68.71K

TypeSH

Market value$3.22M

0.56%

Sole

0.00

Shared

0.00

None

68.71K

ISHARES TR

SOLE

CORE INTL AGGR

Shares58.34K

TypeSH

Market value$2.99M

0.52%

Sole

0.00

Shared

0.00

None

58.34K

Issuer	Class	Shares	Type	Value / Portfolio %	None
VANGUARD BD INDEX FDSSOLE	TOTAL BND MRKT	965.63K	SH	$71.81M 12.41%	965.63K
VANGUARD INDEX FDSSOLE	GROWTH ETF	138.92K	SH	$66.63M 11.52%	138.92K
VANGUARD INDEX FDSSOLE	VALUE ETF	301.48K	SH	$56.22M 9.72%	301.48K
VANGUARD CHARLOTTE FDSSOLE	TOTAL INT BD ETF	1.08M	SH	$53.24M 9.20%	1.08M
VANGUARD TAX-MANAGED FDSSOLE	VAN FTSE DEV MKT	775.07K	SH	$46.44M 8.03%	775.07K
VANGUARD BD INDEX FDSSOLE	SHORT TRM BOND	457.16K	SH	$36.07M 6.24%	457.16K
VANGUARD INDEX FDSSOLE	SM CP VAL ETF	100.22K	SH	$20.92M 3.62%	100.22K
VANGUARD INDEX FDSSOLE	SML CP GRW ETF	66.34K	SH	$19.74M 3.41%	66.34K
VANGUARD INTL EQUITY INDEX FSOLE	FTSE EMR MKT ETF	304.47K	SH	$16.50M 2.85%	304.47K
VANGUARD INTL EQUITY INDEX FSOLE	FTSE SMCAP ETF	105.93K	SH	$15.10M 2.61%	105.93K
VANGUARD INDEX FDSSOLE	REAL ESTATE ETF	155.39K	SH	$14.21M 2.46%	155.39K
SPDR INDEX SHS FDSSOLE	PORTFOLIO DEVLPD	286.53K	SH	$12.26M 2.12%	286.53K
VANGUARD INDEX FDSSOLE	TOTAL STK MKT	35.66K	SH	$11.70M 2.02%	35.66K
VANGUARD MUN BD FDSSOLE	TAX EXEMPT BD	225.06K	SH	$11.27M 1.95%	225.06K
ISHARES TRSOLE	SHRT NAT MUN ETF	97.95K	SH	$10.46M 1.81%	97.95K
VANGUARD SCOTTSDALE FDSSOLE	INT-TERM CORP	88.95K	SH	$7.48M 1.29%	88.95K
VANGUARD INDEX FDSSOLE	S&P 500 ETF SHS	10.61K	SH	$6.50M 1.12%	10.61K
ISHARES TRSOLE	NATIONAL MUN ETF	50.48K	SH	$5.38M 0.93%	50.48K
SPDR SER TRSOLE	PRTFLO S&P500 GW	42.78K	SH	$4.47M 0.77%	42.78K
SPDR SER TRSOLE	PRTFLO S&P500 VL	78.15K	SH	$4.32M 0.75%	78.15K
VANGUARD INDEX FDSSOLE	MID CAP ETF	14.11K	SH	$4.15M 0.72%	14.11K
ISHARES TRSOLE	EAFE SML CP ETF	50.95K	SH	$3.91M 0.68%	50.95K
VANGUARD INDEX FDSSOLE	EXTEND MKT ETF	16.03K	SH	$3.36M 0.58%	16.03K
SPDR INDEX SHS FDSSOLE	PORTFOLIO EMG MK	68.71K	SH	$3.22M 0.56%	68.71K
ISHARES TRSOLE	CORE INTL AGGR	58.34K	SH	$2.99M 0.52%	58.34K

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