STERLING FINANCIAL PLANNING, INC.

Filed: 10/24/2025ACC: 0001844278-25-000002

📋 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 $317.14M. This filing provides a transparent view of the manager's long equity holdings as of the quarter end.

116

Positions

$317.14M

Total AUM (reported)

4.72M

Total Shares

Allocation by class

COM$22.44M7.1%

ISHARES NEW$19.89M6.3%

S&P MC 400VL ETF$19.18M6.0%

S&P 500 GRWT ETF$17.88M5.6%

S&P SML 600 GWT$17.57M5.5%

S&P MC 400GR ETF$17.28M5.4%

INTERNATNAL VAL$14.61M4.6%

Portfolio Concentration

Top 3$56.95M18.0%

4–10$90.87M28.7%

11–25$86.30M27.2%

Rest$83.01M26.2%

Top 3 weight

18.0%

Top 10 weight

46.6%

Voting Authority Distribution

Total shares with voting rights: 4.72M

Sole

Full voting authority

10.99K

% of voting shares0.2%

Shared

Joint voting authority

0.00

% of voting shares0.0%

None

No voting authority

4.71M

% of voting shares99.8%

Investment Discretion (by position count)

Sole116

Shared0

Other0

Dominant voting typeNone · 99.8% of voting shares

Institutional Holdings116

Rows:

ISHARES GOLD TR

SOLE

ISHARES NEW

Shares273.36K

TypeSH

Market value$19.89M

6.27%

Sole

916.00

Shared

0.00

None

272.44K

ISHARES TR

SOLE

S&P MC 400VL ETF

Shares147.87K

TypeSH

Market value$19.18M

6.05%

Sole

44.00

Shared

0.00

None

147.82K

ISHARES TR

SOLE

S&P 500 GRWT ETF

Shares148.10K

TypeSH

Market value$17.88M

5.64%

Sole

165.00

Shared

0.00

None

147.93K

ISHARES TR

SOLE

S&P SML 600 GWT

Shares124.18K

TypeSH

Market value$17.57M

5.54%

Sole

0.00

Shared

0.00

None

124.18K

ISHARES TR

SOLE

S&P MC 400GR ETF

Shares180.21K

TypeSH

Market value$17.28M

5.45%

Sole

0.00

Shared

0.00

None

180.21K

DIMENSIONAL ETF TRUST

SOLE

INTERNATNAL VAL

Shares316.69K

TypeSH

Market value$14.61M

4.61%

Sole

673.00

Shared

0.00

None

316.02K

SCHWAB STRATEGIC TR

SOLE

FUNDAMENTAL US L

Shares423.99K

TypeSH

Market value$11.15M

3.52%

Sole

0.00

Shared

0.00

None

423.99K

VANGUARD WHITEHALL FDS

SOLE

HIGH DIV YLD

Shares76.75K

TypeSH

Market value$10.82M

3.41%

Sole

162.00

Shared

0.00

None

76.58K

DIMENSIONAL ETF TRUST

SOLE

INTL SMALL CAP V

Shares294.94K

TypeSH

Market value$10.53M

3.32%

Sole

1.83K

Shared

0.00

None

293.11K

DIMENSIONAL ETF TRUST

SOLE

US SMALL CAP VAL

Shares280.17K

TypeSH

Market value$8.92M

2.81%

Sole

190.00

Shared

0.00

None

279.98K

ISHARES TR

SOLE

SP SMCP600VL ETF

Shares79.24K

TypeSH

Market value$8.76M

2.76%

Sole

0.00

Shared

0.00

None

79.24K

VANGUARD BD INDEX FDS

SOLE

INTERMED TERM

Shares109.56K

TypeSH

Market value$8.56M

2.70%

Sole

181.00

Shared

0.00

None

109.38K

ISHARES TR

SOLE

CORE S&P500 ETF

Shares12.62K

TypeSH

Market value$8.45M

2.66%

Sole

18.00

Shared

0.00

None

12.60K

INNOVATOR ETFS TRUST

SOLE

US EQT ACC 9 BFR

Shares267.27K

TypeSH

Market value$8.36M

2.64%

Sole

1.99K

Shared

0.00

None

265.29K

DIMENSIONAL ETF TRUST

SOLE

INFLATION PROTE

Shares139.16K

TypeSH

Market value$5.88M

1.85%

Sole

0.00

Shared

0.00

None

139.16K

DIMENSIONAL ETF TRUST

SOLE

EMERGING MKTS VA

Shares178.06K

TypeSH

Market value$5.68M

1.79%

Sole

51.00

Shared

0.00

None

178K

DIMENSIONAL ETF TRUST

SOLE

GLOBAL REAL EST

Shares206.62K

TypeSH

Market value$5.64M

1.78%

Sole

2.25K

Shared

0.00

None

204.37K

ISHARES TR

SOLE

S&P 500 VAL ETF

Shares23.14K

TypeSH

Market value$4.78M

1.51%

Sole

262.00

Shared

0.00

None

22.88K

ISHARES TR

SOLE

CORE S&P MCP ETF

Shares71.14K

TypeSH

Market value$4.64M

1.46%

Sole

0.00

Shared

0.00

None

71.14K

ISHARES TR

SOLE

EAFE GRWTH ETF

Shares40.71K

TypeSH

Market value$4.64M

1.46%

Sole

5.00

Shared

0.00

None

40.71K

SPDR GOLD TR

SOLE

GOLD SHS

Shares12.42K

TypeSH

Market value$4.41M

1.39%

Sole

3.00

Shared

0.00

None

12.42K

INVESCO QQQ TR

SOLE

UNIT SER 1

Shares7.21K

TypeSH

Market value$4.33M

1.36%

Sole

0.00

Shared

0.00

None

7.21K

ISHARES TR

SOLE

US TREAS BD ETF

Shares181.90K

TypeSH

Market value$4.21M

1.33%

Sole

53.00

Shared

0.00

None

181.84K

VANGUARD BD INDEX FDS

SOLE

SHORT TRM BOND

Shares50.77K

TypeSH

Market value$4.01M

1.26%

Sole

0.00

Shared

0.00

None

50.77K

APPLE INC

SOLE

COM

Shares15.58K

TypeSH

Market value$3.97M

1.25%

Sole

0.00

Shared

0.00

None

15.58K

Issuer	Class	Shares	Type	Value / Portfolio %	Voting — Sole	None
ISHARES GOLD TRSOLE	ISHARES NEW	273.36K	SH	$19.89M 6.27%	916.00	272.44K
ISHARES TRSOLE	S&P MC 400VL ETF	147.87K	SH	$19.18M 6.05%	44.00	147.82K
ISHARES TRSOLE	S&P 500 GRWT ETF	148.10K	SH	$17.88M 5.64%	165.00	147.93K
ISHARES TRSOLE	S&P SML 600 GWT	124.18K	SH	$17.57M 5.54%	0.00	124.18K
ISHARES TRSOLE	S&P MC 400GR ETF	180.21K	SH	$17.28M 5.45%	0.00	180.21K
DIMENSIONAL ETF TRUSTSOLE	INTERNATNAL VAL	316.69K	SH	$14.61M 4.61%	673.00	316.02K
SCHWAB STRATEGIC TRSOLE	FUNDAMENTAL US L	423.99K	SH	$11.15M 3.52%	0.00	423.99K
VANGUARD WHITEHALL FDSSOLE	HIGH DIV YLD	76.75K	SH	$10.82M 3.41%	162.00	76.58K
DIMENSIONAL ETF TRUSTSOLE	INTL SMALL CAP V	294.94K	SH	$10.53M 3.32%	1.83K	293.11K
DIMENSIONAL ETF TRUSTSOLE	US SMALL CAP VAL	280.17K	SH	$8.92M 2.81%	190.00	279.98K
ISHARES TRSOLE	SP SMCP600VL ETF	79.24K	SH	$8.76M 2.76%	0.00	79.24K
VANGUARD BD INDEX FDSSOLE	INTERMED TERM	109.56K	SH	$8.56M 2.70%	181.00	109.38K
ISHARES TRSOLE	CORE S&P500 ETF	12.62K	SH	$8.45M 2.66%	18.00	12.60K
INNOVATOR ETFS TRUSTSOLE	US EQT ACC 9 BFR	267.27K	SH	$8.36M 2.64%	1.99K	265.29K
DIMENSIONAL ETF TRUSTSOLE	INFLATION PROTE	139.16K	SH	$5.88M 1.85%	0.00	139.16K
DIMENSIONAL ETF TRUSTSOLE	EMERGING MKTS VA	178.06K	SH	$5.68M 1.79%	51.00	178K
DIMENSIONAL ETF TRUSTSOLE	GLOBAL REAL EST	206.62K	SH	$5.64M 1.78%	2.25K	204.37K
ISHARES TRSOLE	S&P 500 VAL ETF	23.14K	SH	$4.78M 1.51%	262.00	22.88K
ISHARES TRSOLE	CORE S&P MCP ETF	71.14K	SH	$4.64M 1.46%	0.00	71.14K
ISHARES TRSOLE	EAFE GRWTH ETF	40.71K	SH	$4.64M 1.46%	5.00	40.71K
SPDR GOLD TRSOLE	GOLD SHS	12.42K	SH	$4.41M 1.39%	3.00	12.42K
INVESCO QQQ TRSOLE	UNIT SER 1	7.21K	SH	$4.33M 1.36%	0.00	7.21K
ISHARES TRSOLE	US TREAS BD ETF	181.90K	SH	$4.21M 1.33%	53.00	181.84K
VANGUARD BD INDEX FDSSOLE	SHORT TRM BOND	50.77K	SH	$4.01M 1.26%	0.00	50.77K
APPLE INCSOLE	COM	15.58K	SH	$3.97M 1.25%	0.00	15.58K

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