Filed: 11/13/2025ACC: 0000821103-25-000002
📋 What this filing means
PLANNING DIRECTIONS INC filed this quarterly 13F‑HR report disclosing 93 equity positions with a total reported market value of $191.58M. This filing provides a transparent view of the manager's long equity holdings as of the quarter end.
93
Positions
$191.58M
Total AUM (reported)
2.94M
Total Shares
Allocation by class
US DIVIDEND EQ$37.18M19.4%
COM$25.18M13.1%
SHORT TRM BOND$15.22M7.9%
DIV APP ETF$14.60M7.6%
CORE INTERMEDIAT$11.47M6.0%
CORE S&P SCP ETF$6.32M3.3%
MEGA CAP VAL ETF$6.04M3.2%
Portfolio Concentration
Top 3$67.00M35.0%
4–10$52.00M27.1%
11–25$40.97M21.4%
Rest$31.62M16.5%
Top 3 weight
35.0%
Top 10 weight
62.1%
Voting Authority Distribution
Total shares with voting rights: 2.94M
Sole
Full voting authority
2.94M
shares
% of voting shares100.0%
Shared
Joint voting authority
0.00
shares
% of voting shares0.0%
None
No voting authority
0.00
shares
% of voting shares0.0%
Investment Discretion (by position count)
Sole93
Shared0
Other0
Dominant voting typeSole · 100.0% of voting shares
Institutional Holdings93
Rows:
SCHWAB STRATEGIC TR
SOLEShares1.36M
TypeSH
Market value$37.18M
19.40%
Sole
1.36M
Shared
0.00
None
0.00
VANGUARD BD INDEX FDS
SOLEShares192.87K
TypeSH
Market value$15.22M
7.94%
Sole
192.87K
Shared
0.00
None
0.00
VANGUARD SPECIALIZED FUNDS
SOLEShares67.66K
TypeSH
Market value$14.60M
7.62%
Sole
67.66K
Shared
0.00
None
0.00
VICTORY PORTFOLIOS II
SOLEShares241.37K
TypeSH
Market value$11.47M
5.99%
Sole
241.37K
Shared
0.00
None
0.00
APPLE INC
SOLEShares43.05K
TypeSH
Market value$10.96M
5.72%
Sole
43.05K
Shared
0.00
None
0.00
ISHARES TR
SOLEShares53.20K
TypeSH
Market value$6.32M
3.30%
Sole
53.20K
Shared
0.00
None
0.00
VANGUARD WORLD FD
SOLEShares43.82K
TypeSH
Market value$6.04M
3.15%
Sole
43.82K
Shared
0.00
None
0.00
FIDELITY MERRIMACK STR TR
SOLEShares118.99K
TypeSH
Market value$5.97M
3.12%
Sole
118.99K
Shared
0.00
None
0.00
VANGUARD INTL EQUITY INDEX F
SOLEShares40.90K
TypeSH
Market value$5.64M
2.94%
Sole
40.90K
Shared
0.00
None
0.00
VANGUARD INDEX FDS
SOLEShares19.06K
TypeSH
Market value$5.60M
2.92%
Sole
19.06K
Shared
0.00
None
0.00
VANGUARD INDEX FDS
SOLEShares11.57K
TypeSH
Market value$5.55M
2.90%
Sole
11.57K
Shared
0.00
None
0.00
VANGUARD SCOTTSDALE FDS
SOLEShares67.73K
TypeSH
Market value$5.41M
2.83%
Sole
67.73K
Shared
0.00
None
0.00
ISHARES TR
SOLEShares106.75K
TypeSH
Market value$4.62M
2.41%
Sole
106.75K
Shared
0.00
None
0.00
J P MORGAN EXCHANGE TRADED F
SOLEShares55.90K
TypeSH
Market value$3.19M
1.67%
Sole
55.90K
Shared
0.00
None
0.00
NVIDIA CORPORATION
SOLEShares15.59K
TypeSH
Market value$2.91M
1.52%
Sole
15.59K
Shared
0.00
None
0.00
ISHARES TR
SOLEShares16.91K
TypeSH
Market value$2.78M
1.45%
Sole
16.91K
Shared
0.00
None
0.00
SPDR SERIES TRUST
SOLEShares18.93K
TypeSH
Market value$2.65M
1.38%
Sole
18.93K
Shared
0.00
None
0.00
J P MORGAN EXCHANGE TRADED F
SOLEShares45.28K
TypeSH
Market value$2.60M
1.36%
Sole
45.28K
Shared
0.00
None
0.00
VANGUARD INDEX FDS
SOLEShares8.06K
TypeSH
Market value$2.37M
1.24%
Sole
8.06K
Shared
0.00
None
0.00
VANGUARD INDEX FDS
SOLEShares8.96K
TypeSH
Market value$1.67M
0.87%
Sole
8.96K
Shared
0.00
None
0.00
MICROSOFT CORP
SOLEShares2.93K
TypeSH
Market value$1.52M
0.79%
Sole
2.93K
Shared
0.00
None
0.00
VANGUARD INDEX FDS
SOLEShares2.40K
TypeSH
Market value$1.47M
0.77%
Sole
2.40K
Shared
0.00
None
0.00
AMAZON COM INC
SOLEShares6.68K
TypeSH
Market value$1.47M
0.77%
Sole
6.68K
Shared
0.00
None
0.00
VANGUARD INDEX FDS
SOLEShares7.88K
TypeSH
Market value$1.38M
0.72%
Sole
7.88K
Shared
0.00
None
0.00
VANGUARD INDEX FDS
SOLEShares6.58K
TypeSH
Market value$1.37M
0.72%
Sole
6.58K
Shared
0.00
None
0.00
| Issuer | Class | Shares | Type | Value / Portfolio % | Voting — Sole | Shared | None |
|---|---|---|---|---|---|---|---|
SCHWAB STRATEGIC TRSOLE | US DIVIDEND EQ | 1.36M | SH | $37.18M 19.40% | 1.36M | 0.00 | 0.00 |
VANGUARD BD INDEX FDSSOLE | SHORT TRM BOND | 192.87K | SH | $15.22M 7.94% | 192.87K | 0.00 | 0.00 |
VANGUARD SPECIALIZED FUNDSSOLE | DIV APP ETF | 67.66K | SH | $14.60M 7.62% | 67.66K | 0.00 | 0.00 |
VICTORY PORTFOLIOS IISOLE | CORE INTERMEDIAT | 241.37K | SH | $11.47M 5.99% | 241.37K | 0.00 | 0.00 |
APPLE INCSOLE | COM | 43.05K | SH | $10.96M 5.72% | 43.05K | 0.00 | 0.00 |
ISHARES TRSOLE | CORE S&P SCP ETF | 53.20K | SH | $6.32M 3.30% | 53.20K | 0.00 | 0.00 |
VANGUARD WORLD FDSOLE | MEGA CAP VAL ETF | 43.82K | SH | $6.04M 3.15% | 43.82K | 0.00 | 0.00 |
FIDELITY MERRIMACK STR TRSOLE | LOW DURTIN ETF | 118.99K | SH | $5.97M 3.12% | 118.99K | 0.00 | 0.00 |
VANGUARD INTL EQUITY INDEX FSOLE | TT WRLD ST ETF | 40.90K | SH | $5.64M 2.94% | 40.90K | 0.00 | 0.00 |
VANGUARD INDEX FDSSOLE | MCAP GR IDXVIP | 19.06K | SH | $5.60M 2.92% | 19.06K | 0.00 | 0.00 |
VANGUARD INDEX FDSSOLE | GROWTH ETF | 11.57K | SH | $5.55M 2.90% | 11.57K | 0.00 | 0.00 |
VANGUARD SCOTTSDALE FDSSOLE | SHRT TRM CORP BD | 67.73K | SH | $5.41M 2.83% | 67.73K | 0.00 | 0.00 |
ISHARES TRSOLE | 0-5YR HI YL CP | 106.75K | SH | $4.62M 2.41% | 106.75K | 0.00 | 0.00 |
J P MORGAN EXCHANGE TRADED FSOLE | EQUITY PREMIUM | 55.90K | SH | $3.19M 1.67% | 55.90K | 0.00 | 0.00 |
NVIDIA CORPORATIONSOLE | COM | 15.59K | SH | $2.91M 1.52% | 15.59K | 0.00 | 0.00 |
ISHARES TRSOLE | CORE S&P US GWT | 16.91K | SH | $2.78M 1.45% | 16.91K | 0.00 | 0.00 |
SPDR SERIES TRUSTSOLE | S&P DIVID ETF | 18.93K | SH | $2.65M 1.38% | 18.93K | 0.00 | 0.00 |
J P MORGAN EXCHANGE TRADED FSOLE | NASDAQ EQT PREM | 45.28K | SH | $2.60M 1.36% | 45.28K | 0.00 | 0.00 |
VANGUARD INDEX FDSSOLE | MID CAP ETF | 8.06K | SH | $2.37M 1.24% | 8.06K | 0.00 | 0.00 |
VANGUARD INDEX FDSSOLE | VALUE ETF | 8.96K | SH | $1.67M 0.87% | 8.96K | 0.00 | 0.00 |
MICROSOFT CORPSOLE | COM | 2.93K | SH | $1.52M 0.79% | 2.93K | 0.00 | 0.00 |
VANGUARD INDEX FDSSOLE | S&P 500 ETF SHS | 2.40K | SH | $1.47M 0.77% | 2.40K | 0.00 | 0.00 |
AMAZON COM INCSOLE | COM | 6.68K | SH | $1.47M 0.77% | 6.68K | 0.00 | 0.00 |
VANGUARD INDEX FDSSOLE | MCAP VL IDXVIP | 7.88K | SH | $1.38M 0.72% | 7.88K | 0.00 | 0.00 |
VANGUARD INDEX FDSSOLE | SM CP VAL ETF | 6.58K | SH | $1.37M 0.72% | 6.58K | 0.00 | 0.00 |
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