PLANNING DIRECTIONS INC

Filed: 1/21/2026ACC: 0000821103-26-000001

📋 What this filing means

PLANNING DIRECTIONS INC filed this quarterly 13F‑HR report disclosing 101 equity positions with a total reported market value of $198.44M. This filing provides a transparent view of the manager's long equity holdings as of the quarter end.

101

Positions

$198.44M

Total AUM (reported)

3.06M

Total Shares

Allocation by class

US DIVIDEND EQ$36.88M18.6%

COM$26.22M13.2%

SHORT TRM BOND$16.75M8.4%

DIV APP ETF$14.96M7.5%

CORE INTERMEDIAT$13.30M6.7%

CORE S&P SCP ETF$7.17M3.6%

MEGA CAP VAL ETF$6.10M3.1%

Portfolio Concentration

Top 3$68.59M34.6%

4–10$55.11M27.8%

11–25$40.87M20.6%

Rest$33.87M17.1%

Top 3 weight

34.6%

Top 10 weight

62.3%

Voting Authority Distribution

Total shares with voting rights: 3.06M

Sole

Full voting authority

3.06M

% of voting shares100.0%

Shared

Joint voting authority

0.00

% of voting shares0.0%

None

No voting authority

0.00

% of voting shares0.0%

Investment Discretion (by position count)

Sole101

Shared0

Other0

Dominant voting typeSole · 100.0% of voting shares

Institutional Holdings101

Rows:

SCHWAB STRATEGIC TR

SOLE

US DIVIDEND EQ

Shares1.34M

TypeSH

Market value$36.88M

18.59%

Sole

1.34M

Shared

0.00

None

0.00

VANGUARD BD INDEX FDS

SOLE

SHORT TRM BOND

Shares212.54K

TypeSH

Market value$16.75M

8.44%

Sole

212.54K

Shared

0.00

None

0.00

VANGUARD SPECIALIZED FUNDS

SOLE

DIV APP ETF

Shares68.06K

TypeSH

Market value$14.96M

7.54%

Sole

68.06K

Shared

0.00

None

0.00

VICTORY PORTFOLIOS II

SOLE

CORE INTERMEDIAT

Shares280.82K

TypeSH

Market value$13.30M

6.70%

Sole

280.82K

Shared

0.00

None

0.00

APPLE INC

SOLE

COM

Shares42.61K

TypeSH

Market value$11.58M

5.84%

Sole

42.61K

Shared

0.00

None

0.00

ISHARES TR

SOLE

CORE S&P SCP ETF

Shares59.64K

TypeSH

Market value$7.17M

3.61%

Sole

59.64K

Shared

0.00

None

0.00

VANGUARD WORLD FD

SOLE

MEGA CAP VAL ETF

Shares43.19K

TypeSH

Market value$6.10M

3.07%

Sole

43.19K

Shared

0.00

None

0.00

FIDELITY MERRIMACK STR TR

SOLE

LOW DURTIN ETF

Shares113.55K

TypeSH

Market value$5.70M

2.87%

Sole

113.55K

Shared

0.00

None

0.00

VANGUARD INTL EQUITY INDEX F

SOLE

TT WRLD ST ETF

Shares39.98K

TypeSH

Market value$5.64M

2.84%

Sole

39.98K

Shared

0.00

None

0.00

VANGUARD INDEX FDS

SOLE

MCAP GR IDXVIP

Shares20.14K

TypeSH

Market value$5.62M

2.83%

Sole

20.14K

Shared

0.00

None

0.00

ISHARES TR

SOLE

0-5YR HI YL CP

Shares129.25K

TypeSH

Market value$5.54M

2.79%

Sole

129.25K

Shared

0.00

None

0.00

VANGUARD INDEX FDS

SOLE

GROWTH ETF

Shares10.66K

TypeSH

Market value$5.20M

2.62%

Sole

10.66K

Shared

0.00

None

0.00

VANGUARD SCOTTSDALE FDS

SOLE

SHRT TRM CORP BD

Shares64.01K

TypeSH

Market value$5.10M

2.57%

Sole

64.01K

Shared

0.00

None

0.00

J P MORGAN EXCHANGE TRADED F

SOLE

EQUITY PREMIUM

Shares56.14K

TypeSH

Market value$3.21M

1.62%

Sole

56.14K

Shared

0.00

None

0.00

NVIDIA CORPORATION

SOLE

COM

Shares15.48K

TypeSH

Market value$2.89M

1.45%

Sole

15.48K

Shared

0.00

None

0.00

J P MORGAN EXCHANGE TRADED F

SOLE

NASDAQ EQT PREM

Shares45.47K

TypeSH

Market value$2.64M

1.33%

Sole

45.47K

Shared

0.00

None

0.00

ISHARES TR

SOLE

CORE S&P US GWT

Shares14.99K

TypeSH

Market value$2.52M

1.27%

Sole

14.99K

Shared

0.00

None

0.00

SPDR SERIES TRUST

SOLE

STATE STREET SPD

Shares17.99K

TypeSH

Market value$2.50M

1.26%

Sole

17.99K

Shared

0.00

None

0.00

VANGUARD INDEX FDS

SOLE

MID CAP ETF

Shares7.14K

TypeSH

Market value$2.07M

1.04%

Sole

7.14K

Shared

0.00

None

0.00

VANGUARD INDEX FDS

SOLE

VALUE ETF

Shares9.18K

TypeSH

Market value$1.75M

0.88%

Sole

9.18K

Shared

0.00

None

0.00

ISHARES U S ETF TR

SOLE

SHORT DURATION B

Shares32.27K

TypeSH

Market value$1.65M

0.83%

Sole

32.27K

Shared

0.00

None

0.00

AMAZON COM INC

SOLE

COM

Shares6.59K

TypeSH

Market value$1.52M

0.77%

Sole

6.59K

Shared

0.00

None

0.00

VANGUARD INDEX FDS

SOLE

S&P 500 ETF SHS

Shares2.36K

TypeSH

Market value$1.48M

0.75%

Sole

2.36K

Shared

0.00

None

0.00

MICROSOFT CORP

SOLE

COM

Shares2.88K

TypeSH

Market value$1.40M

0.70%

Sole

2.88K

Shared

0.00

None

0.00

VANGUARD INDEX FDS

SOLE

SM CP VAL ETF

Shares6.57K

TypeSH

Market value$1.39M

0.70%

Sole

6.57K

Shared

0.00

None

0.00

Issuer	Class	Shares	Type	Value / Portfolio %	Voting — Sole
SCHWAB STRATEGIC TRSOLE	US DIVIDEND EQ	1.34M	SH	$36.88M 18.59%	1.34M
VANGUARD BD INDEX FDSSOLE	SHORT TRM BOND	212.54K	SH	$16.75M 8.44%	212.54K
VANGUARD SPECIALIZED FUNDSSOLE	DIV APP ETF	68.06K	SH	$14.96M 7.54%	68.06K
VICTORY PORTFOLIOS IISOLE	CORE INTERMEDIAT	280.82K	SH	$13.30M 6.70%	280.82K
APPLE INCSOLE	COM	42.61K	SH	$11.58M 5.84%	42.61K
ISHARES TRSOLE	CORE S&P SCP ETF	59.64K	SH	$7.17M 3.61%	59.64K
VANGUARD WORLD FDSOLE	MEGA CAP VAL ETF	43.19K	SH	$6.10M 3.07%	43.19K
FIDELITY MERRIMACK STR TRSOLE	LOW DURTIN ETF	113.55K	SH	$5.70M 2.87%	113.55K
VANGUARD INTL EQUITY INDEX FSOLE	TT WRLD ST ETF	39.98K	SH	$5.64M 2.84%	39.98K
VANGUARD INDEX FDSSOLE	MCAP GR IDXVIP	20.14K	SH	$5.62M 2.83%	20.14K
ISHARES TRSOLE	0-5YR HI YL CP	129.25K	SH	$5.54M 2.79%	129.25K
VANGUARD INDEX FDSSOLE	GROWTH ETF	10.66K	SH	$5.20M 2.62%	10.66K
VANGUARD SCOTTSDALE FDSSOLE	SHRT TRM CORP BD	64.01K	SH	$5.10M 2.57%	64.01K
J P MORGAN EXCHANGE TRADED FSOLE	EQUITY PREMIUM	56.14K	SH	$3.21M 1.62%	56.14K
NVIDIA CORPORATIONSOLE	COM	15.48K	SH	$2.89M 1.45%	15.48K
J P MORGAN EXCHANGE TRADED FSOLE	NASDAQ EQT PREM	45.47K	SH	$2.64M 1.33%	45.47K
ISHARES TRSOLE	CORE S&P US GWT	14.99K	SH	$2.52M 1.27%	14.99K
SPDR SERIES TRUSTSOLE	STATE STREET SPD	17.99K	SH	$2.50M 1.26%	17.99K
VANGUARD INDEX FDSSOLE	MID CAP ETF	7.14K	SH	$2.07M 1.04%	7.14K
VANGUARD INDEX FDSSOLE	VALUE ETF	9.18K	SH	$1.75M 0.88%	9.18K
ISHARES U S ETF TRSOLE	SHORT DURATION B	32.27K	SH	$1.65M 0.83%	32.27K
AMAZON COM INCSOLE	COM	6.59K	SH	$1.52M 0.77%	6.59K
VANGUARD INDEX FDSSOLE	S&P 500 ETF SHS	2.36K	SH	$1.48M 0.75%	2.36K
MICROSOFT CORPSOLE	COM	2.88K	SH	$1.40M 0.70%	2.88K
VANGUARD INDEX FDSSOLE	SM CP VAL ETF	6.57K	SH	$1.39M 0.70%	6.57K

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