PARTNERS IN FINANCIAL PLANNING

Filed: 2/2/2026ACC: 0002054264-26-000001

📋 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 $590.60M. This filing provides a transparent view of the manager's long equity holdings as of the quarter end.

115

Positions

$590.60M

Total AUM (reported)

6.51M

Total Shares

Allocation by class

TOTAL BND MRKT$72.91M12.3%

GROWTH ETF$65.38M11.1%

VALUE ETF$58.23M9.9%

TOTAL INT BD ETF$56.22M9.5%

VAN FTSE DEV MKT$48.57M8.2%

SHORT TRM BOND$36.68M6.2%

COM$25.33M4.3%

Portfolio Concentration

Top 3$196.52M33.3%

4–10$214.75M36.4%

11–25$107.41M18.2%

Rest$71.93M12.2%

Top 3 weight

33.3%

Top 10 weight

69.6%

Voting Authority Distribution

Total shares with voting rights: 6.51M

Sole

Full voting authority

0.00

% of voting shares0.0%

Shared

Joint voting authority

0.00

% of voting shares0.0%

None

No voting authority

6.51M

% 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

Shares984.32K

TypeSH

Market value$72.91M

12.34%

Sole

0.00

Shared

0.00

None

984.32K

VANGUARD INDEX FDS

SOLE

GROWTH ETF

Shares134.02K

TypeSH

Market value$65.38M

11.07%

Sole

0.00

Shared

0.00

None

134.02K

VANGUARD INDEX FDS

SOLE

VALUE ETF

Shares304.88K

TypeSH

Market value$58.23M

9.86%

Sole

0.00

Shared

0.00

None

304.88K

VANGUARD CHARLOTTE FDS

SOLE

TOTAL INT BD ETF

Shares1.16M

TypeSH

Market value$56.22M

9.52%

Sole

0.00

Shared

0.00

None

1.16M

VANGUARD TAX-MANAGED FDS

SOLE

VAN FTSE DEV MKT

Shares777.47K

TypeSH

Market value$48.57M

8.22%

Sole

0.00

Shared

0.00

None

777.47K

VANGUARD BD INDEX FDS

SOLE

SHORT TRM BOND

Shares465.43K

TypeSH

Market value$36.68M

6.21%

Sole

0.00

Shared

0.00

None

465.43K

VANGUARD INDEX FDS

SOLE

SM CP VAL ETF

Shares101.61K

TypeSH

Market value$21.52M

3.64%

Sole

0.00

Shared

0.00

None

101.61K

VANGUARD INDEX FDS

SOLE

SML CP GRW ETF

Shares66.05K

TypeSH

Market value$19.95M

3.38%

Sole

0.00

Shared

0.00

None

66.05K

VANGUARD INTL EQUITY INDEX F

SOLE

FTSE EMR MKT ETF

Shares307.26K

TypeSH

Market value$16.52M

2.80%

Sole

0.00

Shared

0.00

None

307.26K

VANGUARD INTL EQUITY INDEX F

SOLE

FTSE SMCAP ETF

Shares106.66K

TypeSH

Market value$15.29M

2.59%

Sole

0.00

Shared

0.00

None

106.66K

VANGUARD INDEX FDS

SOLE

REAL ESTATE ETF

Shares155.74K

TypeSH

Market value$13.78M

2.33%

Sole

0.00

Shared

0.00

None

155.74K

SPDR INDEX SHS FDS

SOLE

PORTFOLIO DEVLPD

Shares290.41K

TypeSH

Market value$12.90M

2.18%

Sole

0.00

Shared

0.00

None

290.41K

VANGUARD INDEX FDS

SOLE

TOTAL STK MKT

Shares35.53K

TypeSH

Market value$11.91M

2.02%

Sole

0.00

Shared

0.00

None

35.53K

VANGUARD MUN BD FDS

SOLE

TAX EXEMPT BD

Shares230.19K

TypeSH

Market value$11.58M

1.96%

Sole

0.00

Shared

0.00

None

230.19K

ISHARES TR

SOLE

SHRT NAT MUN ETF

Shares100.24K

TypeSH

Market value$10.70M

1.81%

Sole

0.00

Shared

0.00

None

100.24K

VANGUARD SCOTTSDALE FDS

SOLE

INT-TERM CORP

Shares93.83K

TypeSH

Market value$7.86M

1.33%

Sole

0.00

Shared

0.00

None

93.83K

VANGUARD INDEX FDS

SOLE

S&P 500 ETF SHS

Shares10.57K

TypeSH

Market value$6.63M

1.12%

Sole

0.00

Shared

0.00

None

10.57K

ISHARES TR

SOLE

NATIONAL MUN ETF

Shares55.81K

TypeSH

Market value$5.98M

1.01%

Sole

0.00

Shared

0.00

None

55.81K

SPDR SER TR

SOLE

PRTFLO S&P500 GW

Shares42.93K

TypeSH

Market value$4.58M

0.78%

Sole

0.00

Shared

0.00

None

42.93K

VANGUARD INDEX FDS

SOLE

MID CAP ETF

Shares14.16K

TypeSH

Market value$4.11M

0.70%

Sole

0.00

Shared

0.00

None

14.16K

SPDR SER TR

SOLE

PRTFLO S&P500 VL

Shares69.97K

TypeSH

Market value$3.97M

0.67%

Sole

0.00

Shared

0.00

None

69.97K

ISHARES TR

SOLE

EAFE SML CP ETF

Shares50.39K

TypeSH

Market value$3.91M

0.66%

Sole

0.00

Shared

0.00

None

50.39K

VANGUARD INDEX FDS

SOLE

EXTEND MKT ETF

Shares15.91K

TypeSH

Market value$3.33M

0.56%

Sole

0.00

Shared

0.00

None

15.91K

SPDR INDEX SHS FDS

SOLE

PORTFOLIO EMG MK

Shares68.37K

TypeSH

Market value$3.20M

0.54%

Sole

0.00

Shared

0.00

None

68.37K

ISHARES TR

SOLE

CORE INTL AGGR

Shares59.44K

TypeSH

Market value$2.97M

0.50%

Sole

0.00

Shared

0.00

None

59.44K

Issuer	Class	Shares	Type	Value / Portfolio %	None
VANGUARD BD INDEX FDSSOLE	TOTAL BND MRKT	984.32K	SH	$72.91M 12.34%	984.32K
VANGUARD INDEX FDSSOLE	GROWTH ETF	134.02K	SH	$65.38M 11.07%	134.02K
VANGUARD INDEX FDSSOLE	VALUE ETF	304.88K	SH	$58.23M 9.86%	304.88K
VANGUARD CHARLOTTE FDSSOLE	TOTAL INT BD ETF	1.16M	SH	$56.22M 9.52%	1.16M
VANGUARD TAX-MANAGED FDSSOLE	VAN FTSE DEV MKT	777.47K	SH	$48.57M 8.22%	777.47K
VANGUARD BD INDEX FDSSOLE	SHORT TRM BOND	465.43K	SH	$36.68M 6.21%	465.43K
VANGUARD INDEX FDSSOLE	SM CP VAL ETF	101.61K	SH	$21.52M 3.64%	101.61K
VANGUARD INDEX FDSSOLE	SML CP GRW ETF	66.05K	SH	$19.95M 3.38%	66.05K
VANGUARD INTL EQUITY INDEX FSOLE	FTSE EMR MKT ETF	307.26K	SH	$16.52M 2.80%	307.26K
VANGUARD INTL EQUITY INDEX FSOLE	FTSE SMCAP ETF	106.66K	SH	$15.29M 2.59%	106.66K
VANGUARD INDEX FDSSOLE	REAL ESTATE ETF	155.74K	SH	$13.78M 2.33%	155.74K
SPDR INDEX SHS FDSSOLE	PORTFOLIO DEVLPD	290.41K	SH	$12.90M 2.18%	290.41K
VANGUARD INDEX FDSSOLE	TOTAL STK MKT	35.53K	SH	$11.91M 2.02%	35.53K
VANGUARD MUN BD FDSSOLE	TAX EXEMPT BD	230.19K	SH	$11.58M 1.96%	230.19K
ISHARES TRSOLE	SHRT NAT MUN ETF	100.24K	SH	$10.70M 1.81%	100.24K
VANGUARD SCOTTSDALE FDSSOLE	INT-TERM CORP	93.83K	SH	$7.86M 1.33%	93.83K
VANGUARD INDEX FDSSOLE	S&P 500 ETF SHS	10.57K	SH	$6.63M 1.12%	10.57K
ISHARES TRSOLE	NATIONAL MUN ETF	55.81K	SH	$5.98M 1.01%	55.81K
SPDR SER TRSOLE	PRTFLO S&P500 GW	42.93K	SH	$4.58M 0.78%	42.93K
VANGUARD INDEX FDSSOLE	MID CAP ETF	14.16K	SH	$4.11M 0.70%	14.16K
SPDR SER TRSOLE	PRTFLO S&P500 VL	69.97K	SH	$3.97M 0.67%	69.97K
ISHARES TRSOLE	EAFE SML CP ETF	50.39K	SH	$3.91M 0.66%	50.39K
VANGUARD INDEX FDSSOLE	EXTEND MKT ETF	15.91K	SH	$3.33M 0.56%	15.91K
SPDR INDEX SHS FDSSOLE	PORTFOLIO EMG MK	68.37K	SH	$3.20M 0.54%	68.37K
ISHARES TRSOLE	CORE INTL AGGR	59.44K	SH	$2.97M 0.50%	59.44K

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