PEARL PLANNING LLC

Filed: 2/3/2026ACC: 0002100519-26-000001

📋 What this filing means

PEARL PLANNING LLC filed this quarterly 13F‑HR report disclosing 52 equity positions with a total reported market value of $163.51M. This filing provides a transparent view of the manager's long equity holdings as of the quarter end.

Positions

$163.51M

Total AUM (reported)

1.52M

Total Shares

Allocation by class

S&P 500 ETF SHS$25.62M15.7%

INTL EQT ETF$17.09M10.5%

TOTAL BND MRKT$14.70M9.0%

VALUE ETF$13.98M8.5%

MID CAP ETF$12.12M7.4%

FREEDOM 100 EM$9.40M5.8%

CORE DIV GRWTH$7.06M4.3%

Portfolio Concentration

Top 3$57.41M35.1%

4–10$61.62M37.7%

11–25$32.42M19.8%

Rest$12.06M7.4%

Top 3 weight

35.1%

Top 10 weight

72.8%

Voting Authority Distribution

Total shares with voting rights: 1.52M

Sole

Full voting authority

167.97K

% of voting shares11.0%

Shared

Joint voting authority

0.00

% of voting shares0.0%

None

No voting authority

1.35M

% of voting shares89.0%

Investment Discretion (by position count)

Sole52

Shared0

Other0

Dominant voting typeNone · 89.0% of voting shares

Institutional Holdings52

Rows:

VANGUARD INDEX FDS

SOLE

S&P 500 ETF SHS

Shares40.86K

TypeSH

Market value$25.62M

15.67%

Sole

2.91K

Shared

0.00

None

37.95K

AMERICAN CENTY ETF TR

SOLE

INTL EQT ETF

Shares207.66K

TypeSH

Market value$17.09M

10.45%

Sole

18.96K

Shared

0.00

None

188.70K

VANGUARD BD INDEX FDS

SOLE

TOTAL BND MRKT

Shares198.41K

TypeSH

Market value$14.70M

8.99%

Sole

22.16K

Shared

0.00

None

176.25K

VANGUARD INDEX FDS

SOLE

VALUE ETF

Shares73.19K

TypeSH

Market value$13.98M

8.55%

Sole

6.57K

Shared

0.00

None

66.62K

VANGUARD INDEX FDS

SOLE

MID CAP ETF

Shares41.77K

TypeSH

Market value$12.12M

7.41%

Sole

4.10K

Shared

0.00

None

37.68K

EA SERIES TRUST

SOLE

FREEDOM 100 EM

Shares183.44K

TypeSH

Market value$9.40M

5.75%

Sole

17.88K

Shared

0.00

None

165.56K

ISHARES TR

SOLE

CORE DIV GRWTH

Shares101.64K

TypeSH

Market value$7.06M

4.32%

Sole

9.61K

Shared

0.00

None

92.04K

VANGUARD WORLD FD

SOLE

ESG US STK ETF

Shares56.96K

TypeSH

Market value$6.89M

4.21%

Sole

6.32K

Shared

0.00

None

50.64K

AMERICAN CENTY ETF TR

SOLE

US SML CP VALU

Shares63.79K

TypeSH

Market value$6.51M

3.98%

Sole

6.76K

Shared

0.00

None

57.03K

EA SERIES TRUST

SOLE

ALPHA ARCH 1-3

Shares49.16K

TypeSH

Market value$5.66M

3.46%

Sole

23.12K

Shared

0.00

None

26.05K

INVESCO EXCH TRADED FD TR II

SOLE

NASDAQ 100 ETF

Shares20.19K

TypeSH

Market value$5.11M

3.12%

Sole

1.74K

Shared

0.00

None

18.45K

T ROWE PRICE ETF INC

SOLE

SMALL MID CAP

Shares114.78K

TypeSH

Market value$4.12M

2.52%

Sole

12.02K

Shared

0.00

None

102.75K

SPDR SERIES TRUST

SOLE

STATE STREET SPD

Shares34.56K

TypeSH

Market value$3.16M

1.93%

Sole

1.91K

Shared

0.00

None

32.66K

INVESCO QQQ TR

SOLE

UNIT SER 1

Shares5K

TypeSH

Market value$3.07M

1.88%

Sole

440.00

Shared

0.00

None

4.56K

VANGUARD BD INDEX FDS

SOLE

SHORT TRM BOND

Shares32.78K

TypeSH

Market value$2.58M

1.58%

Sole

6.15K

Shared

0.00

None

26.62K

VANGUARD WORLD FD

SOLE

ESG US CORP BD

Shares36.20K

TypeSH

Market value$2.30M

1.41%

Sole

5.71K

Shared

0.00

None

30.49K

INVESCO EXCH TRADED FD TR II

SOLE

ESG NASDAQ 100

Shares52.84K

TypeSH

Market value$2.24M

1.37%

Sole

3.66K

Shared

0.00

None

49.18K

ISHARES TR

SOLE

ESG AWARE MSCI

Shares41.95K

TypeSH

Market value$1.93M

1.18%

Sole

234.00

Shared

0.00

None

41.72K

ISHARES TR

SOLE

NATIONAL MUN ETF

Shares17.35K

TypeSH

Market value$1.86M

1.14%

Sole

1.22K

Shared

0.00

None

16.13K

ISHARES TR

SOLE

MSCI USA QLT FCT

Shares6.06K

TypeSH

Market value$1.20M

0.74%

Sole

97.00

Shared

0.00

None

5.96K

VANGUARD BD INDEX FDS

SOLE

INTERMED TERM

Shares15.07K

TypeSH

Market value$1.17M

0.72%

Sole

4.54K

Shared

0.00

None

10.53K

INVESCO EXCHANGE TRADED FD T

SOLE

S&P MDCP QUALITY

Shares9.50K

TypeSH

Market value$973.4K

0.60%

Sole

1.57K

Shared

0.00

None

7.93K

ISHARES TR

SOLE

CORE S&P500 ETF

Shares1.35K

TypeSH

Market value$926.9K

0.57%

Sole

59.00

Shared

0.00

None

1.29K

VANGUARD INDEX FDS

SOLE

SMALL CP ETF

Shares3.45K

TypeSH

Market value$888.9K

0.54%

Sole

280.00

Shared

0.00

None

3.17K

INVESCO EXCH TRADED FD TR II

SOLE

S&P INTL MOMNT

Shares15.92K

TypeSH

Market value$884.8K

0.54%

Sole

4.07K

Shared

0.00

None

11.85K

Issuer	Class	Shares	Type	Value / Portfolio %	Voting — Sole	None
VANGUARD INDEX FDSSOLE	S&P 500 ETF SHS	40.86K	SH	$25.62M 15.67%	2.91K	37.95K
AMERICAN CENTY ETF TRSOLE	INTL EQT ETF	207.66K	SH	$17.09M 10.45%	18.96K	188.70K
VANGUARD BD INDEX FDSSOLE	TOTAL BND MRKT	198.41K	SH	$14.70M 8.99%	22.16K	176.25K
VANGUARD INDEX FDSSOLE	VALUE ETF	73.19K	SH	$13.98M 8.55%	6.57K	66.62K
VANGUARD INDEX FDSSOLE	MID CAP ETF	41.77K	SH	$12.12M 7.41%	4.10K	37.68K
EA SERIES TRUSTSOLE	FREEDOM 100 EM	183.44K	SH	$9.40M 5.75%	17.88K	165.56K
ISHARES TRSOLE	CORE DIV GRWTH	101.64K	SH	$7.06M 4.32%	9.61K	92.04K
VANGUARD WORLD FDSOLE	ESG US STK ETF	56.96K	SH	$6.89M 4.21%	6.32K	50.64K
AMERICAN CENTY ETF TRSOLE	US SML CP VALU	63.79K	SH	$6.51M 3.98%	6.76K	57.03K
EA SERIES TRUSTSOLE	ALPHA ARCH 1-3	49.16K	SH	$5.66M 3.46%	23.12K	26.05K
INVESCO EXCH TRADED FD TR IISOLE	NASDAQ 100 ETF	20.19K	SH	$5.11M 3.12%	1.74K	18.45K
T ROWE PRICE ETF INCSOLE	SMALL MID CAP	114.78K	SH	$4.12M 2.52%	12.02K	102.75K
SPDR SERIES TRUSTSOLE	STATE STREET SPD	34.56K	SH	$3.16M 1.93%	1.91K	32.66K
INVESCO QQQ TRSOLE	UNIT SER 1	5K	SH	$3.07M 1.88%	440.00	4.56K
VANGUARD BD INDEX FDSSOLE	SHORT TRM BOND	32.78K	SH	$2.58M 1.58%	6.15K	26.62K
VANGUARD WORLD FDSOLE	ESG US CORP BD	36.20K	SH	$2.30M 1.41%	5.71K	30.49K
INVESCO EXCH TRADED FD TR IISOLE	ESG NASDAQ 100	52.84K	SH	$2.24M 1.37%	3.66K	49.18K
ISHARES TRSOLE	ESG AWARE MSCI	41.95K	SH	$1.93M 1.18%	234.00	41.72K
ISHARES TRSOLE	NATIONAL MUN ETF	17.35K	SH	$1.86M 1.14%	1.22K	16.13K
ISHARES TRSOLE	MSCI USA QLT FCT	6.06K	SH	$1.20M 0.74%	97.00	5.96K
VANGUARD BD INDEX FDSSOLE	INTERMED TERM	15.07K	SH	$1.17M 0.72%	4.54K	10.53K
INVESCO EXCHANGE TRADED FD TSOLE	S&P MDCP QUALITY	9.50K	SH	$973.4K 0.60%	1.57K	7.93K
ISHARES TRSOLE	CORE S&P500 ETF	1.35K	SH	$926.9K 0.57%	59.00	1.29K
VANGUARD INDEX FDSSOLE	SMALL CP ETF	3.45K	SH	$888.9K 0.54%	280.00	3.17K
INVESCO EXCH TRADED FD TR IISOLE	S&P INTL MOMNT	15.92K	SH	$884.8K 0.54%	4.07K	11.85K

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