STERLING FINANCIAL PLANNING, INC.

Filed: 2/3/2025ACC: 0001085146-25-000679

📋 What this filing means

STERLING FINANCIAL PLANNING, INC. filed this quarterly 13F‑HR report disclosing 108 equity positions with a total reported market value of $271.79M. This filing provides a transparent view of the manager's long equity holdings as of the quarter end.

108

Positions

$271.79M

Total AUM (reported)

4.47M

Total Shares

Allocation by class

COM$19.66M7.2%

S&P MC 400VL ETF$16.89M6.2%

ISHARES NEW$15.57M5.7%

S&P 500 GRWT ETF$15.56M5.7%

S&P SML 600 GWT$15.21M5.6%

S&P MC 400GR ETF$15.12M5.6%

INTERNATNAL VAL$10.01M3.7%

Portfolio Concentration

Top 3$48.02M17.7%

4–10$74.90M27.6%

11–25$72.55M26.7%

Rest$76.33M28.1%

Top 3 weight

17.7%

Top 10 weight

45.2%

Voting Authority Distribution

Total shares with voting rights: 4.47M

Sole

Full voting authority

11.43K

% of voting shares0.3%

Shared

Joint voting authority

0.00

% of voting shares0.0%

None

No voting authority

4.46M

% of voting shares99.7%

Investment Discretion (by position count)

Sole108

Shared0

Other0

Dominant voting typeNone · 99.7% of voting shares

Institutional Holdings108

Rows:

ISHARES TR

SOLE

S&P MC 400VL ETF

Shares135.14K

TypeSH

Market value$16.89M

6.21%

Sole

0.00

Shared

0.00

None

135.14K

ISHARES GOLD TR

SOLE

ISHARES NEW

Shares314.43K

TypeSH

Market value$15.57M

5.73%

Sole

1.21K

Shared

0.00

None

313.22K

ISHARES TR

SOLE

S&P 500 GRWT ETF

Shares153.27K

TypeSH

Market value$15.56M

5.73%

Sole

221.00

Shared

0.00

None

153.05K

ISHARES TR

SOLE

S&P SML 600 GWT

Shares112.38K

TypeSH

Market value$15.21M

5.60%

Sole

0.00

Shared

0.00

None

112.38K

ISHARES TR

SOLE

S&P MC 400GR ETF

Shares166.23K

TypeSH

Market value$15.12M

5.56%

Sole

0.00

Shared

0.00

None

166.23K

DIMENSIONAL ETF TRUST

SOLE

INTERNATNAL VAL

Shares282.22K

TypeSH

Market value$10.01M

3.68%

Sole

697.00

Shared

0.00

None

281.52K

SCHWAB STRATEGIC TR

SOLE

FUNDAMENTAL US L

Shares397.43K

TypeSH

Market value$9.41M

3.46%

Sole

0.00

Shared

0.00

None

397.43K

VANGUARD WHITEHALL FDS

SOLE

HIGH DIV YLD

Shares69.86K

TypeSH

Market value$8.91M

3.28%

Sole

158.00

Shared

0.00

None

69.70K

ISHARES TR

SOLE

SP SMCP600VL ETF

Shares80.97K

TypeSH

Market value$8.79M

3.24%

Sole

0.00

Shared

0.00

None

80.97K

ISHARES TR

SOLE

CORE S&P500 ETF

Shares12.63K

TypeSH

Market value$7.44M

2.74%

Sole

0.00

Shared

0.00

None

12.63K

VANGUARD BD INDEX FDS

SOLE

INTERMED TERM

Shares94.26K

TypeSH

Market value$7.04M

2.59%

Sole

135.00

Shared

0.00

None

94.12K

DIMENSIONAL ETF TRUST

SOLE

INTL SMALL CAP V

Shares254.02K

TypeSH

Market value$6.75M

2.48%

Sole

1.86K

Shared

0.00

None

252.16K

INNOVATOR ETFS TRUST

SOLE

US EQT ACC 9 BFR

Shares230.01K

TypeSH

Market value$6.62M

2.43%

Sole

1.99K

Shared

0.00

None

228.03K

DIMENSIONAL ETF TRUST

SOLE

US SMALL CAP VAL

Shares204.68K

TypeSH

Market value$6.30M

2.32%

Sole

0.00

Shared

0.00

None

204.68K

ISHARES TR

SOLE

US TREAS BD ETF

Shares214.40K

TypeSH

Market value$4.93M

1.81%

Sole

53.00

Shared

0.00

None

214.35K

ISHARES TR

SOLE

CORE S&P MCP ETF

Shares72.73K

TypeSH

Market value$4.53M

1.67%

Sole

0.00

Shared

0.00

None

72.73K

ISHARES TR

SOLE

S&P 500 VAL ETF

Shares23.40K

TypeSH

Market value$4.47M

1.64%

Sole

293.00

Shared

0.00

None

23.11K

DIMENSIONAL ETF TRUST

SOLE

GLOBAL REAL EST

Shares173.38K

TypeSH

Market value$4.43M

1.63%

Sole

2.37K

Shared

0.00

None

171.02K

VANGUARD BD INDEX FDS

SOLE

SHORT TRM BOND

Shares56.57K

TypeSH

Market value$4.37M

1.61%

Sole

13.00

Shared

0.00

None

56.56K

ISHARES TR

SOLE

EAFE GRWTH ETF

Shares42.97K

TypeSH

Market value$4.16M

1.53%

Sole

10.00

Shared

0.00

None

42.96K

DIMENSIONAL ETF TRUST

SOLE

EMERGING MKTS VA

Shares154.64K

TypeSH

Market value$4.05M

1.49%

Sole

60.00

Shared

0.00

None

154.58K

APPLE INC

SOLE

COM

Shares15.95K

TypeSH

Market value$3.99M

1.47%

Sole

0.00

Shared

0.00

None

15.95K

DIMENSIONAL ETF TRUST

SOLE

INFLATION PROTE

Shares96.53K

TypeSH

Market value$3.91M

1.44%

Sole

0.00

Shared

0.00

None

96.53K

SPDR GOLD TR

SOLE

GOLD SHS

Shares14.63K

TypeSH

Market value$3.54M

1.30%

Sole

17.00

Shared

0.00

None

14.61K

VANGUARD CHARLOTTE FDS

SOLE

TOTAL INT BD ETF

Shares70.47K

TypeSH

Market value$3.46M

1.27%

Sole

31.00

Shared

0.00

None

70.44K

Issuer	Class	Shares	Type	Value / Portfolio %	Voting — Sole	None
ISHARES TRSOLE	S&P MC 400VL ETF	135.14K	SH	$16.89M 6.21%	0.00	135.14K
ISHARES GOLD TRSOLE	ISHARES NEW	314.43K	SH	$15.57M 5.73%	1.21K	313.22K
ISHARES TRSOLE	S&P 500 GRWT ETF	153.27K	SH	$15.56M 5.73%	221.00	153.05K
ISHARES TRSOLE	S&P SML 600 GWT	112.38K	SH	$15.21M 5.60%	0.00	112.38K
ISHARES TRSOLE	S&P MC 400GR ETF	166.23K	SH	$15.12M 5.56%	0.00	166.23K
DIMENSIONAL ETF TRUSTSOLE	INTERNATNAL VAL	282.22K	SH	$10.01M 3.68%	697.00	281.52K
SCHWAB STRATEGIC TRSOLE	FUNDAMENTAL US L	397.43K	SH	$9.41M 3.46%	0.00	397.43K
VANGUARD WHITEHALL FDSSOLE	HIGH DIV YLD	69.86K	SH	$8.91M 3.28%	158.00	69.70K
ISHARES TRSOLE	SP SMCP600VL ETF	80.97K	SH	$8.79M 3.24%	0.00	80.97K
ISHARES TRSOLE	CORE S&P500 ETF	12.63K	SH	$7.44M 2.74%	0.00	12.63K
VANGUARD BD INDEX FDSSOLE	INTERMED TERM	94.26K	SH	$7.04M 2.59%	135.00	94.12K
DIMENSIONAL ETF TRUSTSOLE	INTL SMALL CAP V	254.02K	SH	$6.75M 2.48%	1.86K	252.16K
INNOVATOR ETFS TRUSTSOLE	US EQT ACC 9 BFR	230.01K	SH	$6.62M 2.43%	1.99K	228.03K
DIMENSIONAL ETF TRUSTSOLE	US SMALL CAP VAL	204.68K	SH	$6.30M 2.32%	0.00	204.68K
ISHARES TRSOLE	US TREAS BD ETF	214.40K	SH	$4.93M 1.81%	53.00	214.35K
ISHARES TRSOLE	CORE S&P MCP ETF	72.73K	SH	$4.53M 1.67%	0.00	72.73K
ISHARES TRSOLE	S&P 500 VAL ETF	23.40K	SH	$4.47M 1.64%	293.00	23.11K
DIMENSIONAL ETF TRUSTSOLE	GLOBAL REAL EST	173.38K	SH	$4.43M 1.63%	2.37K	171.02K
VANGUARD BD INDEX FDSSOLE	SHORT TRM BOND	56.57K	SH	$4.37M 1.61%	13.00	56.56K
ISHARES TRSOLE	EAFE GRWTH ETF	42.97K	SH	$4.16M 1.53%	10.00	42.96K
DIMENSIONAL ETF TRUSTSOLE	EMERGING MKTS VA	154.64K	SH	$4.05M 1.49%	60.00	154.58K
APPLE INCSOLE	COM	15.95K	SH	$3.99M 1.47%	0.00	15.95K
DIMENSIONAL ETF TRUSTSOLE	INFLATION PROTE	96.53K	SH	$3.91M 1.44%	0.00	96.53K
SPDR GOLD TRSOLE	GOLD SHS	14.63K	SH	$3.54M 1.30%	17.00	14.61K
VANGUARD CHARLOTTE FDSSOLE	TOTAL INT BD ETF	70.47K	SH	$3.46M 1.27%	31.00	70.44K

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