PLANNING DIRECTIONS INC

Filed: 8/1/2025ACC: 0001085146-25-004445

📋 What this filing means

PLANNING DIRECTIONS INC filed this quarterly 13F‑HR report disclosing 85 equity positions with a total reported market value of $177.66M. This filing provides a transparent view of the manager's long equity holdings as of the quarter end.

Positions

$177.66M

Total AUM (reported)

2.79M

Total Shares

Allocation by class

US DIVIDEND EQ$34.64M19.5%

COM$21.84M12.3%

SHORT TRM BOND$15.29M8.6%

DIV APP ETF$13.95M7.9%

CORE INTERMEDIAT$10.70M6.0%

MEGA CAP VAL ETF$6.16M3.5%

LOW DURTIN ETF$5.76M3.2%

Portfolio Concentration

Top 3$63.88M36.0%

4–10$47.99M27.0%

11–25$38.07M21.4%

Rest$27.73M15.6%

Top 3 weight

36.0%

Top 10 weight

63.0%

Voting Authority Distribution

Total shares with voting rights: 2.79M

Sole

Full voting authority

2.79M

% 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)

Sole85

Shared0

Other0

Dominant voting typeSole · 100.0% of voting shares

Institutional Holdings85

Rows:

SCHWAB STRATEGIC TR

SOLE

US DIVIDEND EQ

Shares1.31M

TypeSH

Market value$34.64M

19.50%

Sole

1.31M

Shared

0.00

None

0.00

VANGUARD BD INDEX FDS

SOLE

SHORT TRM BOND

Shares194.29K

TypeSH

Market value$15.29M

8.61%

Sole

194.29K

Shared

0.00

None

0.00

VANGUARD SPECIALIZED FUNDS

SOLE

DIV APP ETF

Shares68.16K

TypeSH

Market value$13.95M

7.85%

Sole

68.16K

Shared

0.00

None

0.00

VICTORY PORTFOLIOS II

SOLE

CORE INTERMEDIAT

Shares227.34K

TypeSH

Market value$10.70M

6.02%

Sole

227.34K

Shared

0.00

None

0.00

APPLE INC

SOLE

COM

Shares43.19K

TypeSH

Market value$8.86M

4.99%

Sole

43.19K

Shared

0.00

None

0.00

VANGUARD WORLD FD

SOLE

MEGA CAP VAL ETF

Shares46.92K

TypeSH

Market value$6.16M

3.46%

Sole

46.92K

Shared

0.00

None

0.00

FIDELITY MERRIMACK STR TR

SOLE

LOW DURTIN ETF

Shares115.08K

TypeSH

Market value$5.76M

3.24%

Sole

115.08K

Shared

0.00

None

0.00

ISHARES TR

SOLE

CORE S&P SCP ETF

Shares52.29K

TypeSH

Market value$5.71M

3.22%

Sole

52.29K

Shared

0.00

None

0.00

VANGUARD INDEX FDS

SOLE

MCAP GR IDXVIP

Shares19.12K

TypeSH

Market value$5.44M

3.06%

Sole

19.12K

Shared

0.00

None

0.00

VANGUARD INDEX FDS

SOLE

GROWTH ETF

Shares12.22K

TypeSH

Market value$5.36M

3.02%

Sole

12.22K

Shared

0.00

None

0.00

VANGUARD SCOTTSDALE FDS

SOLE

SHRT TRM CORP BD

Shares66.03K

TypeSH

Market value$5.25M

2.95%

Sole

66.03K

Shared

0.00

None

0.00

VANGUARD INTL EQUITY INDEX F

SOLE

TT WRLD ST ETF

Shares39.91K

TypeSH

Market value$5.13M

2.89%

Sole

39.91K

Shared

0.00

None

0.00

ISHARES TR

SOLE

0-5YR HI YL CP

Shares84.02K

TypeSH

Market value$3.62M

2.04%

Sole

84.02K

Shared

0.00

None

0.00

J P MORGAN EXCHANGE TRADED F

SOLE

EQUITY PREMIUM

Shares56.65K

TypeSH

Market value$3.22M

1.81%

Sole

56.65K

Shared

0.00

None

0.00

SPDR SERIES TRUST

SOLE

S&P DIVID ETF

Shares20.02K

TypeSH

Market value$2.72M

1.53%

Sole

20.02K

Shared

0.00

None

0.00

ISHARES TR

SOLE

CORE S&P US GWT

Shares17.26K

TypeSH

Market value$2.60M

1.46%

Sole

17.26K

Shared

0.00

None

0.00

NVIDIA CORPORATION

SOLE

COM

Shares15.96K

TypeSH

Market value$2.52M

1.42%

Sole

15.96K

Shared

0.00

None

0.00

VANGUARD INDEX FDS

SOLE

MID CAP ETF

Shares7.90K

TypeSH

Market value$2.21M

1.24%

Sole

7.90K

Shared

0.00

None

0.00

J P MORGAN EXCHANGE TRADED F

SOLE

NASDAQ EQT PREM

Shares40.18K

TypeSH

Market value$2.19M

1.23%

Sole

40.18K

Shared

0.00

None

0.00

VANGUARD INDEX FDS

SOLE

VALUE ETF

Shares9.16K

TypeSH

Market value$1.62M

0.91%

Sole

9.16K

Shared

0.00

None

0.00

AMAZON COM INC

SOLE

COM

Shares6.77K

TypeSH

Market value$1.48M

0.84%

Sole

6.77K

Shared

0.00

None

0.00

MICROSOFT CORP

SOLE

COM

Shares2.86K

TypeSH

Market value$1.42M

0.80%

Sole

2.86K

Shared

0.00

None

0.00

VANGUARD INDEX FDS

SOLE

SM CP VAL ETF

Shares7.10K

TypeSH

Market value$1.38M

0.78%

Sole

7.10K

Shared

0.00

None

0.00

VANGUARD INDEX FDS

SOLE

S&P 500 ETF SHS

Shares2.39K

TypeSH

Market value$1.36M

0.76%

Sole

2.39K

Shared

0.00

None

0.00

SELECT SECTOR SPDR TR

SOLE

SBI CONS STPLS

Shares16.58K

TypeSH

Market value$1.34M

0.76%

Sole

16.58K

Shared

0.00

None

0.00

Issuer	Class	Shares	Type	Value / Portfolio %	Voting — Sole
SCHWAB STRATEGIC TRSOLE	US DIVIDEND EQ	1.31M	SH	$34.64M 19.50%	1.31M
VANGUARD BD INDEX FDSSOLE	SHORT TRM BOND	194.29K	SH	$15.29M 8.61%	194.29K
VANGUARD SPECIALIZED FUNDSSOLE	DIV APP ETF	68.16K	SH	$13.95M 7.85%	68.16K
VICTORY PORTFOLIOS IISOLE	CORE INTERMEDIAT	227.34K	SH	$10.70M 6.02%	227.34K
APPLE INCSOLE	COM	43.19K	SH	$8.86M 4.99%	43.19K
VANGUARD WORLD FDSOLE	MEGA CAP VAL ETF	46.92K	SH	$6.16M 3.46%	46.92K
FIDELITY MERRIMACK STR TRSOLE	LOW DURTIN ETF	115.08K	SH	$5.76M 3.24%	115.08K
ISHARES TRSOLE	CORE S&P SCP ETF	52.29K	SH	$5.71M 3.22%	52.29K
VANGUARD INDEX FDSSOLE	MCAP GR IDXVIP	19.12K	SH	$5.44M 3.06%	19.12K
VANGUARD INDEX FDSSOLE	GROWTH ETF	12.22K	SH	$5.36M 3.02%	12.22K
VANGUARD SCOTTSDALE FDSSOLE	SHRT TRM CORP BD	66.03K	SH	$5.25M 2.95%	66.03K
VANGUARD INTL EQUITY INDEX FSOLE	TT WRLD ST ETF	39.91K	SH	$5.13M 2.89%	39.91K
ISHARES TRSOLE	0-5YR HI YL CP	84.02K	SH	$3.62M 2.04%	84.02K
J P MORGAN EXCHANGE TRADED FSOLE	EQUITY PREMIUM	56.65K	SH	$3.22M 1.81%	56.65K
SPDR SERIES TRUSTSOLE	S&P DIVID ETF	20.02K	SH	$2.72M 1.53%	20.02K
ISHARES TRSOLE	CORE S&P US GWT	17.26K	SH	$2.60M 1.46%	17.26K
NVIDIA CORPORATIONSOLE	COM	15.96K	SH	$2.52M 1.42%	15.96K
VANGUARD INDEX FDSSOLE	MID CAP ETF	7.90K	SH	$2.21M 1.24%	7.90K
J P MORGAN EXCHANGE TRADED FSOLE	NASDAQ EQT PREM	40.18K	SH	$2.19M 1.23%	40.18K
VANGUARD INDEX FDSSOLE	VALUE ETF	9.16K	SH	$1.62M 0.91%	9.16K
AMAZON COM INCSOLE	COM	6.77K	SH	$1.48M 0.84%	6.77K
MICROSOFT CORPSOLE	COM	2.86K	SH	$1.42M 0.80%	2.86K
VANGUARD INDEX FDSSOLE	SM CP VAL ETF	7.10K	SH	$1.38M 0.78%	7.10K
VANGUARD INDEX FDSSOLE	S&P 500 ETF SHS	2.39K	SH	$1.36M 0.76%	2.39K
SELECT SECTOR SPDR TRSOLE	SBI CONS STPLS	16.58K	SH	$1.34M 0.76%	16.58K

Page 1 of 4