STERLING FINANCIAL PLANNING, INC.

Filed: 1/27/2026ACC: 0001844278-26-000001

📋 What this filing means

STERLING FINANCIAL PLANNING, INC. filed this quarterly 13F‑HR report disclosing 120 equity positions with a total reported market value of $331.81M. This filing provides a transparent view of the manager's long equity holdings as of the quarter end.

120

Positions

$331.81M

Total AUM (reported)

4.84M

Total Shares

Allocation by class

COM$23.31M7.0%

ISHARES NEW$20.94M6.3%

S&P MC 400VL ETF$20.13M6.1%

S&P SML 600 GWT$18.19M5.5%

S&P 500 GRWT ETF$17.98M5.4%

S&P MC 400GR ETF$17.81M5.4%

INTERNATNAL VAL$15.91M4.8%

Portfolio Concentration

Top 3$59.25M17.9%

4–10$96.18M29.0%

11–25$90.01M27.1%

Rest$86.36M26.0%

Top 3 weight

17.9%

Top 10 weight

46.8%

Voting Authority Distribution

Total shares with voting rights: 4.84M

Sole

Full voting authority

10.37K

% of voting shares0.2%

Shared

Joint voting authority

0.00

% of voting shares0.0%

None

No voting authority

4.83M

% of voting shares99.8%

Investment Discretion (by position count)

Sole120

Shared0

Other0

Dominant voting typeNone · 99.8% of voting shares

Institutional Holdings120

Rows:

ISHARES GOLD TR

SOLE

ISHARES NEW

Shares257.93K

TypeSH

Market value$20.94M

6.31%

Sole

823.00

Shared

0.00

None

257.11K

ISHARES TR

SOLE

S&P MC 400VL ETF

Shares152.97K

TypeSH

Market value$20.13M

6.07%

Sole

45.00

Shared

0.00

None

152.93K

ISHARES TR

SOLE

S&P SML 600 GWT

Shares128.85K

TypeSH

Market value$18.19M

5.48%

Sole

0.00

Shared

0.00

None

128.85K

ISHARES TR

SOLE

S&P 500 GRWT ETF

Shares145.86K

TypeSH

Market value$17.98M

5.42%

Sole

116.00

Shared

0.00

None

145.75K

ISHARES TR

SOLE

S&P MC 400GR ETF

Shares183.81K

TypeSH

Market value$17.81M

5.37%

Sole

0.00

Shared

0.00

None

183.81K

DIMENSIONAL ETF TRUST

SOLE

INTERNATNAL VAL

Shares318.90K

TypeSH

Market value$15.91M

4.80%

Sole

662.00

Shared

0.00

None

318.24K

SCHWAB STRATEGIC TR

SOLE

FUNDAMENTAL US L

Shares432.50K

TypeSH

Market value$11.77M

3.55%

Sole

0.00

Shared

0.00

None

432.50K

VANGUARD WHITEHALL FDS

SOLE

HIGH DIV YLD

Shares79.05K

TypeSH

Market value$11.34M

3.42%

Sole

163.00

Shared

0.00

None

78.88K

DIMENSIONAL ETF TRUST

SOLE

INTL SMALL CAP V

Shares296.86K

TypeSH

Market value$11.28M

3.40%

Sole

1.82K

Shared

0.00

None

295.04K

VANGUARD BD INDEX FDS

SOLE

INTERMED TERM

Shares129.50K

TypeSH

Market value$10.09M

3.04%

Sole

184.00

Shared

0.00

None

129.32K

DIMENSIONAL ETF TRUST

SOLE

US SMALL CAP VAL

Shares286.69K

TypeSH

Market value$9.43M

2.84%

Sole

191.00

Shared

0.00

None

286.50K

ISHARES TR

SOLE

SP SMCP600VL ETF

Shares79.07K

TypeSH

Market value$8.99M

2.71%

Sole

0.00

Shared

0.00

None

79.07K

INNOVATOR ETFS TRUST

SOLE

US EQT ACC 9 BFR

Shares274.85K

TypeSH

Market value$8.79M

2.65%

Sole

1.99K

Shared

0.00

None

272.86K

ISHARES TR

SOLE

CORE S&P500 ETF

Shares12.50K

TypeSH

Market value$8.56M

2.58%

Sole

18.00

Shared

0.00

None

12.48K

DIMENSIONAL ETF TRUST

SOLE

INFLATION PROTE

Shares154.69K

TypeSH

Market value$6.43M

1.94%

Sole

0.00

Shared

0.00

None

154.69K

DIMENSIONAL ETF TRUST

SOLE

EMERGING MKTS VA

Shares179.95K

TypeSH

Market value$6.07M

1.83%

Sole

0.00

Shared

0.00

None

179.95K

DIMENSIONAL ETF TRUST

SOLE

GLOBAL REAL EST

Shares219.38K

TypeSH

Market value$5.80M

1.75%

Sole

2.20K

Shared

0.00

None

217.18K

ISHARES TR

SOLE

S&P 500 VAL ETF

Shares22.96K

TypeSH

Market value$4.87M

1.47%

Sole

262.00

Shared

0.00

None

22.70K

ISHARES TR

SOLE

CORE S&P MCP ETF

Shares70.81K

TypeSH

Market value$4.67M

1.41%

Sole

0.00

Shared

0.00

None

70.81K

ISHARES TR

SOLE

EAFE GRWTH ETF

Shares40.78K

TypeSH

Market value$4.65M

1.40%

Sole

0.00

Shared

0.00

None

40.78K

SPDR GOLD TR

SOLE

GOLD SHS

Shares11.72K

TypeSH

Market value$4.64M

1.40%

Sole

0.00

Shared

0.00

None

11.72K

ISHARES TR

SOLE

US TREAS BD ETF

Shares188.31K

TypeSH

Market value$4.34M

1.31%

Sole

0.00

Shared

0.00

None

188.31K

INVESCO QQQ TR

SOLE

UNIT SER 1

Shares7.03K

TypeSH

Market value$4.32M

1.30%

Sole

0.00

Shared

0.00

None

7.03K

APPLE INC

SOLE

COM

Shares15.85K

TypeSH

Market value$4.31M

1.30%

Sole

0.00

Shared

0.00

None

15.85K

VANGUARD BD INDEX FDS

SOLE

SHORT TRM BOND

Shares52.66K

TypeSH

Market value$4.15M

1.25%

Sole

0.00

Shared

0.00

None

52.66K

Issuer	Class	Shares	Type	Value / Portfolio %	Voting — Sole	None
ISHARES GOLD TRSOLE	ISHARES NEW	257.93K	SH	$20.94M 6.31%	823.00	257.11K
ISHARES TRSOLE	S&P MC 400VL ETF	152.97K	SH	$20.13M 6.07%	45.00	152.93K
ISHARES TRSOLE	S&P SML 600 GWT	128.85K	SH	$18.19M 5.48%	0.00	128.85K
ISHARES TRSOLE	S&P 500 GRWT ETF	145.86K	SH	$17.98M 5.42%	116.00	145.75K
ISHARES TRSOLE	S&P MC 400GR ETF	183.81K	SH	$17.81M 5.37%	0.00	183.81K
DIMENSIONAL ETF TRUSTSOLE	INTERNATNAL VAL	318.90K	SH	$15.91M 4.80%	662.00	318.24K
SCHWAB STRATEGIC TRSOLE	FUNDAMENTAL US L	432.50K	SH	$11.77M 3.55%	0.00	432.50K
VANGUARD WHITEHALL FDSSOLE	HIGH DIV YLD	79.05K	SH	$11.34M 3.42%	163.00	78.88K
DIMENSIONAL ETF TRUSTSOLE	INTL SMALL CAP V	296.86K	SH	$11.28M 3.40%	1.82K	295.04K
VANGUARD BD INDEX FDSSOLE	INTERMED TERM	129.50K	SH	$10.09M 3.04%	184.00	129.32K
DIMENSIONAL ETF TRUSTSOLE	US SMALL CAP VAL	286.69K	SH	$9.43M 2.84%	191.00	286.50K
ISHARES TRSOLE	SP SMCP600VL ETF	79.07K	SH	$8.99M 2.71%	0.00	79.07K
INNOVATOR ETFS TRUSTSOLE	US EQT ACC 9 BFR	274.85K	SH	$8.79M 2.65%	1.99K	272.86K
ISHARES TRSOLE	CORE S&P500 ETF	12.50K	SH	$8.56M 2.58%	18.00	12.48K
DIMENSIONAL ETF TRUSTSOLE	INFLATION PROTE	154.69K	SH	$6.43M 1.94%	0.00	154.69K
DIMENSIONAL ETF TRUSTSOLE	EMERGING MKTS VA	179.95K	SH	$6.07M 1.83%	0.00	179.95K
DIMENSIONAL ETF TRUSTSOLE	GLOBAL REAL EST	219.38K	SH	$5.80M 1.75%	2.20K	217.18K
ISHARES TRSOLE	S&P 500 VAL ETF	22.96K	SH	$4.87M 1.47%	262.00	22.70K
ISHARES TRSOLE	CORE S&P MCP ETF	70.81K	SH	$4.67M 1.41%	0.00	70.81K
ISHARES TRSOLE	EAFE GRWTH ETF	40.78K	SH	$4.65M 1.40%	0.00	40.78K
SPDR GOLD TRSOLE	GOLD SHS	11.72K	SH	$4.64M 1.40%	0.00	11.72K
ISHARES TRSOLE	US TREAS BD ETF	188.31K	SH	$4.34M 1.31%	0.00	188.31K
INVESCO QQQ TRSOLE	UNIT SER 1	7.03K	SH	$4.32M 1.30%	0.00	7.03K
APPLE INCSOLE	COM	15.85K	SH	$4.31M 1.30%	0.00	15.85K
VANGUARD BD INDEX FDSSOLE	SHORT TRM BOND	52.66K	SH	$4.15M 1.25%	0.00	52.66K

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