PEARL PLANNING LLC

PrivateCIK: 2100519

Location

DEXTER, MI

Positions

$187.10M

Total AUM (reported)

2.11M

Total Shares

Allocation by class

S&P 500 ETF SHS$25.53M13.6%

INTL EQT ETF$19.61M10.5%

INCOME ETF$16.50M8.8%

TOTAL BD ETF$16.02M8.6%

VALUE ETF$14.36M7.7%

MID CAP ETF$12.68M6.8%

FREEDOM 100 EM$9.63M5.1%

Portfolio Concentration

Top 3$61.64M32.9%

4–10$73.97M39.5%

11–25$39.13M20.9%

Rest$12.37M6.6%

Top 3 weight

32.9%

Top 10 weight

72.5%

Voting Authority Distribution

Total shares with voting rights: 2.11M

Sole

Full voting authority

330.57K

% of voting shares15.7%

Shared

Joint voting authority

0.00

% of voting shares0.0%

None

No voting authority

1.78M

% of voting shares84.3%

Investment Discretion (by position count)

Sole52

Shared0

Other0

Dominant voting typeNone · 84.3% of voting shares

Institutional Holdings52

Rows:

VANGUARD INDEX FDS

SOLE

S&P 500 ETF SHS

Shares42.72K

TypeSH

Market value$25.53M

13.64%

Sole

5.17K

Shared

0.00

None

37.56K

AMERICAN CENTY ETF TR

SOLE

INTL EQT ETF

Shares231.12K

TypeSH

Market value$19.61M

10.48%

Sole

32.46K

Shared

0.00

None

198.66K

J P MORGAN EXCHANGE TRADED F

SOLE

INCOME ETF

Shares358.15K

TypeSH

Market value$16.50M

8.82%

Sole

65.64K

Shared

0.00

None

292.50K

FIDELITY MERRIMACK STR TR

SOLE

TOTAL BD ETF

Shares351.18K

TypeSH

Market value$16.02M

8.56%

Sole

63.89K

Shared

0.00

None

287.29K

VANGUARD INDEX FDS

SOLE

VALUE ETF

Shares73.20K

TypeSH

Market value$14.36M

7.68%

Sole

9.28K

Shared

0.00

None

63.91K

VANGUARD INDEX FDS

SOLE

MID CAP ETF

Shares44.15K

TypeSH

Market value$12.68M

6.78%

Sole

6.17K

Shared

0.00

None

37.98K

EA SERIES TRUST

SOLE

FREEDOM 100 EM

Shares176.26K

TypeSH

Market value$9.63M

5.15%

Sole

22.31K

Shared

0.00

None

153.95K

ISHARES TR

SOLE

CORE DIV GRWTH

Shares106.53K

TypeSH

Market value$7.48M

4.00%

Sole

16.17K

Shared

0.00

None

90.36K

AMERICAN CENTY ETF TR

SOLE

US SML CP VALU

Shares65.34K

TypeSH

Market value$7.22M

3.86%

Sole

9.17K

Shared

0.00

None

56.17K

VANGUARD WORLD FD

SOLE

ESG US STK ETF

Shares58.63K

TypeSH

Market value$6.58M

3.52%

Sole

7.45K

Shared

0.00

None

51.17K

EA SERIES TRUST

SOLE

ALPHA ARCH 1-3

Shares50.01K

TypeSH

Market value$5.82M

3.11%

Sole

23.57K

Shared

0.00

None

26.43K

INVESCO EXCH TRADED FD TR II

SOLE

NASDAQ 100 ETF

Shares21.09K

TypeSH

Market value$5.01M

2.68%

Sole

2.92K

Shared

0.00

None

18.16K

T ROWE PRICE ETF INC

SOLE

SMALL MID CAP

Shares120.08K

TypeSH

Market value$4.40M

2.35%

Sole

19.63K

Shared

0.00

None

100.45K

VANGUARD BD INDEX FDS

SOLE

SHORT TRM BOND

Shares39.55K

TypeSH

Market value$3.10M

1.66%

Sole

10.28K

Shared

0.00

None

29.27K

SPDR SERIES TRUST

SOLE

STATE STREET SPD

Shares33.71K

TypeSH

Market value$3.09M

1.65%

Sole

2.75K

Shared

0.00

None

30.95K

INVESCO QQQ TR

SOLE

UNIT SER 1

Shares4.99K

TypeSH

Market value$2.88M

1.54%

Sole

451.00

Shared

0.00

None

4.54K

VANGUARD WORLD FD

SOLE

ESG US CORP BD

Shares41.50K

TypeSH

Market value$2.61M

1.39%

Sole

6.05K

Shared

0.00

None

35.46K

INVESCO EXCH TRADED FD TR II

SOLE

ESG NASDAQ 100

Shares56.94K

TypeSH

Market value$2.25M

1.20%

Sole

5.75K

Shared

0.00

None

51.19K

VANGUARD BD INDEX FDS

SOLE

TOTAL BND MRKT

Shares27.66K

TypeSH

Market value$2.04M

1.09%

Sole

1.18K

Shared

0.00

None

26.49K

ISHARES TR

SOLE

ESG AWARE MSCI

Shares43.30K

TypeSH

Market value$2.04M

1.09%

Sole

2.39K

Shared

0.00

None

40.91K

ISHARES TR

SOLE

NATIONAL MUN ETF

Shares17.13K

TypeSH

Market value$1.82M

0.97%

Sole

1.22K

Shared

0.00

None

15.92K

VANGUARD BD INDEX FDS

SOLE

INTERMED TERM

Shares15.07K

TypeSH

Market value$1.16M

0.62%

Sole

4.54K

Shared

0.00

None

10.53K

ISHARES TR

SOLE

MSCI USA QLT FCT

Shares5.68K

TypeSH

Market value$1.09M

0.58%

Sole

97.00

Shared

0.00

None

5.58K

INVESCO EXCH TRADED FD TR II

SOLE

S&P INTL MOMNT

Shares16.81K

TypeSH

Market value$921.8K

0.49%

Sole

4.09K

Shared

0.00

None

12.72K

VANGUARD INDEX FDS

SOLE

SMALL CP ETF

Shares3.44K

TypeSH

Market value$901.5K

0.48%

Sole

280.00

Shared

0.00

None

3.16K

Issuer	Class	Shares	Type	Value / Portfolio %	Voting — Sole	None
VANGUARD INDEX FDSSOLE	S&P 500 ETF SHS	42.72K	SH	$25.53M 13.64%	5.17K	37.56K
AMERICAN CENTY ETF TRSOLE	INTL EQT ETF	231.12K	SH	$19.61M 10.48%	32.46K	198.66K
J P MORGAN EXCHANGE TRADED FSOLE	INCOME ETF	358.15K	SH	$16.50M 8.82%	65.64K	292.50K
FIDELITY MERRIMACK STR TRSOLE	TOTAL BD ETF	351.18K	SH	$16.02M 8.56%	63.89K	287.29K
VANGUARD INDEX FDSSOLE	VALUE ETF	73.20K	SH	$14.36M 7.68%	9.28K	63.91K
VANGUARD INDEX FDSSOLE	MID CAP ETF	44.15K	SH	$12.68M 6.78%	6.17K	37.98K
EA SERIES TRUSTSOLE	FREEDOM 100 EM	176.26K	SH	$9.63M 5.15%	22.31K	153.95K
ISHARES TRSOLE	CORE DIV GRWTH	106.53K	SH	$7.48M 4.00%	16.17K	90.36K
AMERICAN CENTY ETF TRSOLE	US SML CP VALU	65.34K	SH	$7.22M 3.86%	9.17K	56.17K
VANGUARD WORLD FDSOLE	ESG US STK ETF	58.63K	SH	$6.58M 3.52%	7.45K	51.17K
EA SERIES TRUSTSOLE	ALPHA ARCH 1-3	50.01K	SH	$5.82M 3.11%	23.57K	26.43K
INVESCO EXCH TRADED FD TR IISOLE	NASDAQ 100 ETF	21.09K	SH	$5.01M 2.68%	2.92K	18.16K
T ROWE PRICE ETF INCSOLE	SMALL MID CAP	120.08K	SH	$4.40M 2.35%	19.63K	100.45K
VANGUARD BD INDEX FDSSOLE	SHORT TRM BOND	39.55K	SH	$3.10M 1.66%	10.28K	29.27K
SPDR SERIES TRUSTSOLE	STATE STREET SPD	33.71K	SH	$3.09M 1.65%	2.75K	30.95K
INVESCO QQQ TRSOLE	UNIT SER 1	4.99K	SH	$2.88M 1.54%	451.00	4.54K
VANGUARD WORLD FDSOLE	ESG US CORP BD	41.50K	SH	$2.61M 1.39%	6.05K	35.46K
INVESCO EXCH TRADED FD TR IISOLE	ESG NASDAQ 100	56.94K	SH	$2.25M 1.20%	5.75K	51.19K
VANGUARD BD INDEX FDSSOLE	TOTAL BND MRKT	27.66K	SH	$2.04M 1.09%	1.18K	26.49K
ISHARES TRSOLE	ESG AWARE MSCI	43.30K	SH	$2.04M 1.09%	2.39K	40.91K
ISHARES TRSOLE	NATIONAL MUN ETF	17.13K	SH	$1.82M 0.97%	1.22K	15.92K
VANGUARD BD INDEX FDSSOLE	INTERMED TERM	15.07K	SH	$1.16M 0.62%	4.54K	10.53K
ISHARES TRSOLE	MSCI USA QLT FCT	5.68K	SH	$1.09M 0.58%	97.00	5.58K
INVESCO EXCH TRADED FD TR IISOLE	S&P INTL MOMNT	16.81K	SH	$921.8K 0.49%	4.09K	12.72K
VANGUARD INDEX FDSSOLE	SMALL CP ETF	3.44K	SH	$901.5K 0.48%	280.00	3.16K

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