STERLING FINANCIAL PLANNING, INC.

Filed: 7/28/2025ACC: 0001085146-25-004184

📋 What this filing means

STERLING FINANCIAL PLANNING, INC. filed this quarterly 13F‑HR report disclosing 116 equity positions with a total reported market value of $299.34M. This filing provides a transparent view of the manager's long equity holdings as of the quarter end.

116

Positions

$299.34M

Total AUM (reported)

4.74M

Total Shares

Allocation by class

COM$21.66M7.2%

S&P MC 400VL ETF$18.10M6.0%

ISHARES NEW$17.44M5.8%

S&P 500 GRWT ETF$17.12M5.7%

S&P SML 600 GWT$16.47M5.5%

S&P MC 400GR ETF$16.22M5.4%

INTERNATNAL VAL$13.77M4.6%

Portfolio Concentration

Top 3$52.66M17.6%

4–10$85.11M28.4%

11–25$80.95M27.0%

Rest$80.61M26.9%

Top 3 weight

17.6%

Top 10 weight

46.0%

Voting Authority Distribution

Total shares with voting rights: 4.74M

Sole

Full voting authority

11.20K

% of voting shares0.2%

Shared

Joint voting authority

0.00

% of voting shares0.0%

None

No voting authority

4.72M

% of voting shares99.8%

Investment Discretion (by position count)

Sole116

Shared0

Other0

Dominant voting typeNone · 99.8% of voting shares

Institutional Holdings116

Rows:

ISHARES TR

SOLE

S&P MC 400VL ETF

Shares146.42K

TypeSH

Market value$18.10M

6.05%

Sole

44.00

Shared

0.00

None

146.38K

ISHARES GOLD TR

SOLE

ISHARES NEW

Shares279.69K

TypeSH

Market value$17.44M

5.83%

Sole

916.00

Shared

0.00

None

278.77K

ISHARES TR

SOLE

S&P 500 GRWT ETF

Shares155.54K

TypeSH

Market value$17.12M

5.72%

Sole

165.00

Shared

0.00

None

155.38K

ISHARES TR

SOLE

S&P SML 600 GWT

Shares123.79K

TypeSH

Market value$16.47M

5.50%

Sole

0.00

Shared

0.00

None

123.79K

ISHARES TR

SOLE

S&P MC 400GR ETF

Shares178.23K

TypeSH

Market value$16.22M

5.42%

Sole

0.00

Shared

0.00

None

178.23K

DIMENSIONAL ETF TRUST

SOLE

INTERNATNAL VAL

Shares321.41K

TypeSH

Market value$13.77M

4.60%

Sole

711.00

Shared

0.00

None

320.70K

SCHWAB STRATEGIC TR

SOLE

FUNDAMENTAL US L

Shares434.12K

TypeSH

Market value$10.65M

3.56%

Sole

0.00

Shared

0.00

None

434.12K

VANGUARD WHITEHALL FDS

SOLE

HIGH DIV YLD

Shares75.19K

TypeSH

Market value$10.02M

3.35%

Sole

161.00

Shared

0.00

None

75.03K

DIMENSIONAL ETF TRUST

SOLE

INTL SMALL CAP V

Shares298.11K

TypeSH

Market value$9.81M

3.28%

Sole

1.89K

Shared

0.00

None

296.22K

DIMENSIONAL ETF TRUST

SOLE

US SMALL CAP VAL

Shares277.71K

TypeSH

Market value$8.17M

2.73%

Sole

189.00

Shared

0.00

None

277.52K

VANGUARD BD INDEX FDS

SOLE

INTERMED TERM

Shares105.28K

TypeSH

Market value$8.14M

2.72%

Sole

116.00

Shared

0.00

None

105.16K

ISHARES TR

SOLE

SP SMCP600VL ETF

Shares80.65K

TypeSH

Market value$8.02M

2.68%

Sole

0.00

Shared

0.00

None

80.65K

INNOVATOR ETFS TRUST

SOLE

US EQT ACC 9 BFR

Shares261.72K

TypeSH

Market value$7.89M

2.64%

Sole

1.99K

Shared

0.00

None

259.73K

ISHARES TR

SOLE

CORE S&P500 ETF

Shares12.60K

TypeSH

Market value$7.82M

2.61%

Sole

18.00

Shared

0.00

None

12.58K

DIMENSIONAL ETF TRUST

SOLE

EMERGING MKTS VA

Shares185.64K

TypeSH

Market value$5.57M

1.86%

Sole

60.00

Shared

0.00

None

185.58K

DIMENSIONAL ETF TRUST

SOLE

INFLATION PROTE

Shares132.60K

TypeSH

Market value$5.54M

1.85%

Sole

0.00

Shared

0.00

None

132.60K

DIMENSIONAL ETF TRUST

SOLE

GLOBAL REAL EST

Shares202.57K

TypeSH

Market value$5.43M

1.82%

Sole

2.24K

Shared

0.00

None

200.33K

ISHARES TR

SOLE

EAFE GRWTH ETF

Shares41.76K

TypeSH

Market value$4.68M

1.56%

Sole

10.00

Shared

0.00

None

41.75K

ISHARES TR

SOLE

S&P 500 VAL ETF

Shares23.27K

TypeSH

Market value$4.55M

1.52%

Sole

262.00

Shared

0.00

None

23.01K

ISHARES TR

SOLE

CORE S&P MCP ETF

Shares71.50K

TypeSH

Market value$4.43M

1.48%

Sole

0.00

Shared

0.00

None

71.50K

ISHARES TR

SOLE

US TREAS BD ETF

Shares178.92K

TypeSH

Market value$4.11M

1.37%

Sole

53.00

Shared

0.00

None

178.87K

SPDR GOLD TR

SOLE

GOLD SHS

Shares12.90K

TypeSH

Market value$3.93M

1.31%

Sole

9.00

Shared

0.00

None

12.89K

INVESCO QQQ TR

SOLE

UNIT SER 1

Shares6.84K

TypeSH

Market value$3.77M

1.26%

Sole

0.00

Shared

0.00

None

6.84K

VANGUARD BD INDEX FDS

SOLE

SHORT TRM BOND

Shares47.11K

TypeSH

Market value$3.71M

1.24%

Sole

13.00

Shared

0.00

None

47.09K

VANGUARD INDEX FDS

SOLE

MCAP VL IDXVIP

Shares20.33K

TypeSH

Market value$3.34M

1.12%

Sole

0.00

Shared

0.00

None

20.33K

Issuer	Class	Shares	Type	Value / Portfolio %	Voting — Sole	None
ISHARES TRSOLE	S&P MC 400VL ETF	146.42K	SH	$18.10M 6.05%	44.00	146.38K
ISHARES GOLD TRSOLE	ISHARES NEW	279.69K	SH	$17.44M 5.83%	916.00	278.77K
ISHARES TRSOLE	S&P 500 GRWT ETF	155.54K	SH	$17.12M 5.72%	165.00	155.38K
ISHARES TRSOLE	S&P SML 600 GWT	123.79K	SH	$16.47M 5.50%	0.00	123.79K
ISHARES TRSOLE	S&P MC 400GR ETF	178.23K	SH	$16.22M 5.42%	0.00	178.23K
DIMENSIONAL ETF TRUSTSOLE	INTERNATNAL VAL	321.41K	SH	$13.77M 4.60%	711.00	320.70K
SCHWAB STRATEGIC TRSOLE	FUNDAMENTAL US L	434.12K	SH	$10.65M 3.56%	0.00	434.12K
VANGUARD WHITEHALL FDSSOLE	HIGH DIV YLD	75.19K	SH	$10.02M 3.35%	161.00	75.03K
DIMENSIONAL ETF TRUSTSOLE	INTL SMALL CAP V	298.11K	SH	$9.81M 3.28%	1.89K	296.22K
DIMENSIONAL ETF TRUSTSOLE	US SMALL CAP VAL	277.71K	SH	$8.17M 2.73%	189.00	277.52K
VANGUARD BD INDEX FDSSOLE	INTERMED TERM	105.28K	SH	$8.14M 2.72%	116.00	105.16K
ISHARES TRSOLE	SP SMCP600VL ETF	80.65K	SH	$8.02M 2.68%	0.00	80.65K
INNOVATOR ETFS TRUSTSOLE	US EQT ACC 9 BFR	261.72K	SH	$7.89M 2.64%	1.99K	259.73K
ISHARES TRSOLE	CORE S&P500 ETF	12.60K	SH	$7.82M 2.61%	18.00	12.58K
DIMENSIONAL ETF TRUSTSOLE	EMERGING MKTS VA	185.64K	SH	$5.57M 1.86%	60.00	185.58K
DIMENSIONAL ETF TRUSTSOLE	INFLATION PROTE	132.60K	SH	$5.54M 1.85%	0.00	132.60K
DIMENSIONAL ETF TRUSTSOLE	GLOBAL REAL EST	202.57K	SH	$5.43M 1.82%	2.24K	200.33K
ISHARES TRSOLE	EAFE GRWTH ETF	41.76K	SH	$4.68M 1.56%	10.00	41.75K
ISHARES TRSOLE	S&P 500 VAL ETF	23.27K	SH	$4.55M 1.52%	262.00	23.01K
ISHARES TRSOLE	CORE S&P MCP ETF	71.50K	SH	$4.43M 1.48%	0.00	71.50K
ISHARES TRSOLE	US TREAS BD ETF	178.92K	SH	$4.11M 1.37%	53.00	178.87K
SPDR GOLD TRSOLE	GOLD SHS	12.90K	SH	$3.93M 1.31%	9.00	12.89K
INVESCO QQQ TRSOLE	UNIT SER 1	6.84K	SH	$3.77M 1.26%	0.00	6.84K
VANGUARD BD INDEX FDSSOLE	SHORT TRM BOND	47.11K	SH	$3.71M 1.24%	13.00	47.09K
VANGUARD INDEX FDSSOLE	MCAP VL IDXVIP	20.33K	SH	$3.34M 1.12%	0.00	20.33K

Page 1 of 5

…