STERLING FINANCIAL PLANNING, INC.

Filed: 5/6/2026ACC: 0001844278-26-000003

📋 What this filing means

STERLING FINANCIAL PLANNING, INC. filed this quarterly 13F‑HR report disclosing 117 equity positions with a total reported market value of $337.26M. This filing provides a transparent view of the manager's long equity holdings as of the quarter end.

117

Positions

$337.26M

Total AUM (reported)

4.87M

Total Shares

Allocation by class

COM$23.05M6.8%

ISHARES NEW$20.74M6.2%

S&P MC 400VL ETF$20.39M6.0%

S&P SML 600 GWT$18.79M5.6%

S&P MC 400GR ETF$18.66M5.5%

S&P 500 GRWT ETF$16.82M5.0%

INTERNATNAL VAL$16.26M4.8%

Portfolio Concentration

Top 3$59.92M17.8%

4–10$98.37M29.2%

11–25$92.00M27.3%

Rest$86.97M25.8%

Top 3 weight

17.8%

Top 10 weight

46.9%

Voting Authority Distribution

Total shares with voting rights: 4.87M

Sole

Full voting authority

10.39K

% of voting shares0.2%

Shared

Joint voting authority

0.00

% of voting shares0.0%

None

No voting authority

4.86M

% of voting shares99.8%

Investment Discretion (by position count)

Sole117

Shared0

Other0

Dominant voting typeNone · 99.8% of voting shares

Institutional Holdings117

Rows:

ISHARES GOLD TR

SOLE

ISHARES NEW

Shares235.29K

TypeSH

Market value$20.74M

6.15%

Sole

683.00

Shared

0.00

None

234.61K

ISHARES TR

SOLE

S&P MC 400VL ETF

Shares153.88K

TypeSH

Market value$20.39M

6.05%

Sole

218.00

Shared

0.00

None

153.67K

ISHARES TR

SOLE

S&P SML 600 GWT

Shares129.86K

TypeSH

Market value$18.79M

5.57%

Sole

0.00

Shared

0.00

None

129.86K

ISHARES TR

SOLE

S&P MC 400GR ETF

Shares185.47K

TypeSH

Market value$18.66M

5.53%

Sole

0.00

Shared

0.00

None

185.47K

ISHARES TR

SOLE

S&P 500 GRWT ETF

Shares148.71K

TypeSH

Market value$16.82M

4.99%

Sole

117.00

Shared

0.00

None

148.59K

DIMENSIONAL ETF TRUST

SOLE

INTERNATNAL VAL

Shares308.13K

TypeSH

Market value$16.26M

4.82%

Sole

586.00

Shared

0.00

None

307.54K

VANGUARD WHITEHALL FDS

SOLE

HIGH DIV YLD

Shares81.42K

TypeSH

Market value$12.06M

3.58%

Sole

164.00

Shared

0.00

None

81.26K

SCHWAB STRATEGIC TR

SOLE

FUNDAMENTAL US L

Shares424.25K

TypeSH

Market value$11.82M

3.50%

Sole

0.00

Shared

0.00

None

424.25K

DIMENSIONAL ETF TRUST

SOLE

INTL SMALL CAP V

Shares296.37K

TypeSH

Market value$11.69M

3.47%

Sole

1.82K

Shared

0.00

None

294.55K

VANGUARD BD INDEX FDS

SOLE

INTERMED TERM

Shares143.38K

TypeSH

Market value$11.07M

3.28%

Sole

274.00

Shared

0.00

None

143.10K

DIMENSIONAL ETF TRUST

SOLE

US SMALL CAP VAL

Shares289.88K

TypeSH

Market value$10.16M

3.01%

Sole

191.00

Shared

0.00

None

289.69K

ISHARES TR

SOLE

SP SMCP600VL ETF

Shares76.71K

TypeSH

Market value$9.09M

2.69%

Sole

0.00

Shared

0.00

None

76.71K

INNOVATOR ETFS TRUST

SOLE

US EQT ACC 9 BFR

Shares284.95K

TypeSH

Market value$8.91M

2.64%

Sole

1.99K

Shared

0.00

None

282.96K

ISHARES TR

SOLE

CORE S&P500 ETF

Shares12.40K

TypeSH

Market value$8.10M

2.40%

Sole

18.00

Shared

0.00

None

12.38K

DIMENSIONAL ETF TRUST

SOLE

INFLATION PROTE

Shares170.75K

TypeSH

Market value$7.12M

2.11%

Sole

0.00

Shared

0.00

None

170.75K

DIMENSIONAL ETF TRUST

SOLE

EMERGING MKTS VA

Shares176.98K

TypeSH

Market value$6.33M

1.88%

Sole

0.00

Shared

0.00

None

176.98K

DIMENSIONAL ETF TRUST

SOLE

GLOBAL REAL EST

Shares235.26K

TypeSH

Market value$6.25M

1.85%

Sole

2.21K

Shared

0.00

None

233.05K

ISHARES TR

SOLE

S&P 500 VAL ETF

Shares22.86K

TypeSH

Market value$4.83M

1.43%

Sole

221.00

Shared

0.00

None

22.64K

ISHARES TR

SOLE

CORE S&P MCP ETF

Shares68.97K

TypeSH

Market value$4.66M

1.38%

Sole

0.00

Shared

0.00

None

68.97K

VANGUARD BD INDEX FDS

SOLE

SHORT TRM BOND

Shares58.63K

TypeSH

Market value$4.60M

1.36%

Sole

0.00

Shared

0.00

None

58.63K

SPDR GOLD TR

SOLE

GOLD SHS

Shares10.66K

TypeSH

Market value$4.59M

1.36%

Sole

0.00

Shared

0.00

None

10.66K

ISHARES TR

SOLE

EAFE GRWTH ETF

Shares40.69K

TypeSH

Market value$4.53M

1.34%

Sole

0.00

Shared

0.00

None

40.69K

VANGUARD SCOTTSDALE FDS

SOLE

SHRT TRM CORP BD

Shares55.60K

TypeSH

Market value$4.41M

1.31%

Sole

0.00

Shared

0.00

None

55.60K

ISHARES TR

SOLE

US TREAS BD ETF

Shares192.21K

TypeSH

Market value$4.40M

1.31%

Sole

0.00

Shared

0.00

None

192.21K

INVESCO QQQ TR

SOLE

UNIT SER 1

Shares6.97K

TypeSH

Market value$4.02M

1.19%

Sole

0.00

Shared

0.00

None

6.97K

Issuer	Class	Shares	Type	Value / Portfolio %	Voting — Sole	None
ISHARES GOLD TRSOLE	ISHARES NEW	235.29K	SH	$20.74M 6.15%	683.00	234.61K
ISHARES TRSOLE	S&P MC 400VL ETF	153.88K	SH	$20.39M 6.05%	218.00	153.67K
ISHARES TRSOLE	S&P SML 600 GWT	129.86K	SH	$18.79M 5.57%	0.00	129.86K
ISHARES TRSOLE	S&P MC 400GR ETF	185.47K	SH	$18.66M 5.53%	0.00	185.47K
ISHARES TRSOLE	S&P 500 GRWT ETF	148.71K	SH	$16.82M 4.99%	117.00	148.59K
DIMENSIONAL ETF TRUSTSOLE	INTERNATNAL VAL	308.13K	SH	$16.26M 4.82%	586.00	307.54K
VANGUARD WHITEHALL FDSSOLE	HIGH DIV YLD	81.42K	SH	$12.06M 3.58%	164.00	81.26K
SCHWAB STRATEGIC TRSOLE	FUNDAMENTAL US L	424.25K	SH	$11.82M 3.50%	0.00	424.25K
DIMENSIONAL ETF TRUSTSOLE	INTL SMALL CAP V	296.37K	SH	$11.69M 3.47%	1.82K	294.55K
VANGUARD BD INDEX FDSSOLE	INTERMED TERM	143.38K	SH	$11.07M 3.28%	274.00	143.10K
DIMENSIONAL ETF TRUSTSOLE	US SMALL CAP VAL	289.88K	SH	$10.16M 3.01%	191.00	289.69K
ISHARES TRSOLE	SP SMCP600VL ETF	76.71K	SH	$9.09M 2.69%	0.00	76.71K
INNOVATOR ETFS TRUSTSOLE	US EQT ACC 9 BFR	284.95K	SH	$8.91M 2.64%	1.99K	282.96K
ISHARES TRSOLE	CORE S&P500 ETF	12.40K	SH	$8.10M 2.40%	18.00	12.38K
DIMENSIONAL ETF TRUSTSOLE	INFLATION PROTE	170.75K	SH	$7.12M 2.11%	0.00	170.75K
DIMENSIONAL ETF TRUSTSOLE	EMERGING MKTS VA	176.98K	SH	$6.33M 1.88%	0.00	176.98K
DIMENSIONAL ETF TRUSTSOLE	GLOBAL REAL EST	235.26K	SH	$6.25M 1.85%	2.21K	233.05K
ISHARES TRSOLE	S&P 500 VAL ETF	22.86K	SH	$4.83M 1.43%	221.00	22.64K
ISHARES TRSOLE	CORE S&P MCP ETF	68.97K	SH	$4.66M 1.38%	0.00	68.97K
VANGUARD BD INDEX FDSSOLE	SHORT TRM BOND	58.63K	SH	$4.60M 1.36%	0.00	58.63K
SPDR GOLD TRSOLE	GOLD SHS	10.66K	SH	$4.59M 1.36%	0.00	10.66K
ISHARES TRSOLE	EAFE GRWTH ETF	40.69K	SH	$4.53M 1.34%	0.00	40.69K
VANGUARD SCOTTSDALE FDSSOLE	SHRT TRM CORP BD	55.60K	SH	$4.41M 1.31%	0.00	55.60K
ISHARES TRSOLE	US TREAS BD ETF	192.21K	SH	$4.40M 1.31%	0.00	192.21K
INVESCO QQQ TRSOLE	UNIT SER 1	6.97K	SH	$4.02M 1.19%	0.00	6.97K

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