STERLING FINANCIAL PLANNING, INC.

Filed: 4/29/2025ACC: 0001085146-25-002403

📋 What this filing means

STERLING FINANCIAL PLANNING, INC. filed this quarterly 13F‑HR report disclosing 109 equity positions with a total reported market value of $275.74M. This filing provides a transparent view of the manager's long equity holdings as of the quarter end.

109

Positions

$275.74M

Total AUM (reported)

4.59M

Total Shares

Allocation by class

COM$21.38M7.8%

ISHARES NEW$17.93M6.5%

S&P MC 400VL ETF$16.74M6.1%

S&P SML 600 GWT$14.68M5.3%

S&P MC 400GR ETF$14.54M5.3%

S&P 500 GRWT ETF$14.33M5.2%

INTERNATNAL VAL$12.42M4.5%

Portfolio Concentration

Top 3$49.35M17.9%

4–10$76.36M27.7%

11–25$74.66M27.1%

Rest$75.37M27.3%

Top 3 weight

17.9%

Top 10 weight

45.6%

Voting Authority Distribution

Total shares with voting rights: 4.59M

Sole

Full voting authority

11.38K

% of voting shares0.2%

Shared

Joint voting authority

0.00

% of voting shares0.0%

None

No voting authority

4.58M

% of voting shares99.8%

Investment Discretion (by position count)

Sole109

Shared0

Other0

Dominant voting typeNone · 99.8% of voting shares

Institutional Holdings109

Rows:

ISHARES GOLD TR

SOLE

ISHARES NEW

Shares304.03K

TypeSH

Market value$17.93M

6.50%

Sole

1.21K

Shared

0.00

None

302.82K

ISHARES TR

SOLE

S&P MC 400VL ETF

Shares139.79K

TypeSH

Market value$16.74M

6.07%

Sole

0.00

Shared

0.00

None

139.79K

ISHARES TR

SOLE

S&P SML 600 GWT

Shares117.94K

TypeSH

Market value$14.68M

5.33%

Sole

0.00

Shared

0.00

None

117.94K

ISHARES TR

SOLE

S&P MC 400GR ETF

Shares174.55K

TypeSH

Market value$14.54M

5.27%

Sole

0.00

Shared

0.00

None

174.55K

ISHARES TR

SOLE

S&P 500 GRWT ETF

Shares154.38K

TypeSH

Market value$14.33M

5.20%

Sole

221.00

Shared

0.00

None

154.15K

DIMENSIONAL ETF TRUST

SOLE

INTERNATNAL VAL

Shares315.49K

TypeSH

Market value$12.42M

4.50%

Sole

699.00

Shared

0.00

None

314.79K

SCHWAB STRATEGIC TR

SOLE

FUNDAMENTAL US L

Shares408.31K

TypeSH

Market value$9.64M

3.50%

Sole

0.00

Shared

0.00

None

408.31K

VANGUARD WHITEHALL FDS

SOLE

HIGH DIV YLD

Shares71.31K

TypeSH

Market value$9.20M

3.33%

Sole

160.00

Shared

0.00

None

71.14K

DIMENSIONAL ETF TRUST

SOLE

INTL SMALL CAP V

Shares289.72K

TypeSH

Market value$8.44M

3.06%

Sole

1.86K

Shared

0.00

None

287.86K

ISHARES TR

SOLE

SP SMCP600VL ETF

Shares80.08K

TypeSH

Market value$7.81M

2.83%

Sole

0.00

Shared

0.00

None

80.08K

VANGUARD BD INDEX FDS

SOLE

INTERMED TERM

Shares101.43K

TypeSH

Market value$7.77M

2.82%

Sole

115.00

Shared

0.00

None

101.31K

ISHARES TR

SOLE

CORE S&P500 ETF

Shares12.59K

TypeSH

Market value$7.07M

2.57%

Sole

0.00

Shared

0.00

None

12.59K

INNOVATOR ETFS TRUST

SOLE

US EQT ACC 9 BFR

Shares249.94K

TypeSH

Market value$7.06M

2.56%

Sole

1.99K

Shared

0.00

None

247.95K

DIMENSIONAL ETF TRUST

SOLE

US SMALL CAP VAL

Shares232.93K

TypeSH

Market value$6.56M

2.38%

Sole

0.00

Shared

0.00

None

232.93K

DIMENSIONAL ETF TRUST

SOLE

INFLATION PROTE

Shares125.01K

TypeSH

Market value$5.26M

1.91%

Sole

0.00

Shared

0.00

None

125.01K

DIMENSIONAL ETF TRUST

SOLE

GLOBAL REAL EST

Shares187.09K

TypeSH

Market value$4.91M

1.78%

Sole

2.37K

Shared

0.00

None

184.72K

DIMENSIONAL ETF TRUST

SOLE

EMERGING MKTS VA

Shares175.67K

TypeSH

Market value$4.75M

1.72%

Sole

60.00

Shared

0.00

None

175.61K

ISHARES TR

SOLE

S&P 500 VAL ETF

Shares23.38K

TypeSH

Market value$4.46M

1.62%

Sole

293.00

Shared

0.00

None

23.09K

ISHARES TR

SOLE

EAFE GRWTH ETF

Shares41.93K

TypeSH

Market value$4.19M

1.52%

Sole

10.00

Shared

0.00

None

41.92K

ISHARES TR

SOLE

CORE S&P MCP ETF

Shares71.76K

TypeSH

Market value$4.19M

1.52%

Sole

0.00

Shared

0.00

None

71.76K

ISHARES TR

SOLE

US TREAS BD ETF

Shares177.86K

TypeSH

Market value$4.09M

1.48%

Sole

53.00

Shared

0.00

None

177.81K

SPDR GOLD TR

SOLE

GOLD SHS

Shares13.92K

TypeSH

Market value$4.01M

1.45%

Sole

17.00

Shared

0.00

None

13.91K

VANGUARD BD INDEX FDS

SOLE

SHORT TRM BOND

Shares47.33K

TypeSH

Market value$3.70M

1.34%

Sole

13.00

Shared

0.00

None

47.31K

APPLE INC

SOLE

COM

Shares15.61K

TypeSH

Market value$3.47M

1.26%

Sole

0.00

Shared

0.00

None

15.61K

INVESCO QQQ TR

SOLE

UNIT SER 1

Shares6.76K

TypeSH

Market value$3.17M

1.15%

Sole

0.00

Shared

0.00

None

6.76K

Issuer	Class	Shares	Type	Value / Portfolio %	Voting — Sole	None
ISHARES GOLD TRSOLE	ISHARES NEW	304.03K	SH	$17.93M 6.50%	1.21K	302.82K
ISHARES TRSOLE	S&P MC 400VL ETF	139.79K	SH	$16.74M 6.07%	0.00	139.79K
ISHARES TRSOLE	S&P SML 600 GWT	117.94K	SH	$14.68M 5.33%	0.00	117.94K
ISHARES TRSOLE	S&P MC 400GR ETF	174.55K	SH	$14.54M 5.27%	0.00	174.55K
ISHARES TRSOLE	S&P 500 GRWT ETF	154.38K	SH	$14.33M 5.20%	221.00	154.15K
DIMENSIONAL ETF TRUSTSOLE	INTERNATNAL VAL	315.49K	SH	$12.42M 4.50%	699.00	314.79K
SCHWAB STRATEGIC TRSOLE	FUNDAMENTAL US L	408.31K	SH	$9.64M 3.50%	0.00	408.31K
VANGUARD WHITEHALL FDSSOLE	HIGH DIV YLD	71.31K	SH	$9.20M 3.33%	160.00	71.14K
DIMENSIONAL ETF TRUSTSOLE	INTL SMALL CAP V	289.72K	SH	$8.44M 3.06%	1.86K	287.86K
ISHARES TRSOLE	SP SMCP600VL ETF	80.08K	SH	$7.81M 2.83%	0.00	80.08K
VANGUARD BD INDEX FDSSOLE	INTERMED TERM	101.43K	SH	$7.77M 2.82%	115.00	101.31K
ISHARES TRSOLE	CORE S&P500 ETF	12.59K	SH	$7.07M 2.57%	0.00	12.59K
INNOVATOR ETFS TRUSTSOLE	US EQT ACC 9 BFR	249.94K	SH	$7.06M 2.56%	1.99K	247.95K
DIMENSIONAL ETF TRUSTSOLE	US SMALL CAP VAL	232.93K	SH	$6.56M 2.38%	0.00	232.93K
DIMENSIONAL ETF TRUSTSOLE	INFLATION PROTE	125.01K	SH	$5.26M 1.91%	0.00	125.01K
DIMENSIONAL ETF TRUSTSOLE	GLOBAL REAL EST	187.09K	SH	$4.91M 1.78%	2.37K	184.72K
DIMENSIONAL ETF TRUSTSOLE	EMERGING MKTS VA	175.67K	SH	$4.75M 1.72%	60.00	175.61K
ISHARES TRSOLE	S&P 500 VAL ETF	23.38K	SH	$4.46M 1.62%	293.00	23.09K
ISHARES TRSOLE	EAFE GRWTH ETF	41.93K	SH	$4.19M 1.52%	10.00	41.92K
ISHARES TRSOLE	CORE S&P MCP ETF	71.76K	SH	$4.19M 1.52%	0.00	71.76K
ISHARES TRSOLE	US TREAS BD ETF	177.86K	SH	$4.09M 1.48%	53.00	177.81K
SPDR GOLD TRSOLE	GOLD SHS	13.92K	SH	$4.01M 1.45%	17.00	13.91K
VANGUARD BD INDEX FDSSOLE	SHORT TRM BOND	47.33K	SH	$3.70M 1.34%	13.00	47.31K
APPLE INCSOLE	COM	15.61K	SH	$3.47M 1.26%	0.00	15.61K
INVESCO QQQ TRSOLE	UNIT SER 1	6.76K	SH	$3.17M 1.15%	0.00	6.76K

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