Sterling Financial Planning, Inc. Portfolio Holdings

Sterling Financial Planning, Inc.

$306 Million
Q3 2025

Sterling Financial Planning, Inc. has filed its 13F form on October 23, 2025 for Q3 2025 where it was disclosed a total value porftolio of $306 Million distributed in 116 stocks.

Among their holdings, we can observe that their the top five positions include companies like: Ishares Gold Trust with a value of $19.9M, Ishares S&P Midcap 400 Value E with a value of $19.2M, Ishares S&P 500 Growth ETF with a value of $17.9M, Ishares S&P Small Cap 600 Grow with a value of $17.6M, and Ishares S&P Midcap 400 Growth with a value of $17.3M.

Examining the 13F form we can see an increase of $16.7M in the current position value, from $289M to 306M.

Below you can find more details about Sterling Financial Planning, Inc. portfolio as well as his latest detailed transactions.

Portfolio value $306 Million

ETFs: $280 Million

Technology: $7.04 Million

Financial Services: $3.53 Million

Healthcare: $3.32 Million

Industrials: $3.12 Million

Communication Services: $2.13 Million

Energy: $2.04 Million

Consumer Cyclical: $1.8 Million

Other: $2.73 Million

Stock Holdings Table

Stock	Market Cap.	Holding Value (Reported)	# of Shares.	Last Trade
IAU Ishares Gold Trust ETFs	$63.9B	$19.9 Million 6.5% of portfolio	273,359	Q3 2025 Reduced 2.26%
IJJ Ishares S&P Midcap 400 Value E ETFs	$0	$19.2 Million 6.27% of portfolio	147,868	Q3 2025 Added 0.99%
IVW Ishares S&P 500 Growth ETF ETFs	$0	$17.9 Million 5.84% of portfolio	148,099	Q3 2025 Reduced 4.78%
IJT Ishares S&P Small Cap 600 Grow ETFs	$0	$17.6 Million 5.74% of portfolio	124,178	Q3 2025 Added 0.31%
IJK Ishares S&P Midcap 400 Growth ETFs	$0	$17.3 Million 5.64% of portfolio	180,213	Q3 2025 Added 1.11%
DFIV Dimensional ETF Tr ETFs	$0	$14.6 Million 4.77% of portfolio	316,690	Q3 2025 Reduced 1.47%
FNDX Schwab Fundamental U S Large C ETFs	$0	$11.2 Million 3.64% of portfolio	423,993	Q3 2025 Reduced 2.33%
VYM Vanguard Whitehall Fds (Vangua ETFs	$0	$10.8 Million 3.53% of portfolio	76,746	Q3 2025 Added 2.06%
DISV Dimensional ETF Tr Dimensional ETFs	$0	$10.5 Million 3.44% of portfolio	294,935	Q3 2025 Reduced 1.07%
DFSV Dimensional ETF Tr Dimensional ETFs	$0	$8.92 Million 2.91% of portfolio	280,173	Q3 2025 Added 0.89%
IJS Ishares S&P Smallcap 600 Value ETFs	$0	$8.76 Million 2.86% of portfolio	79,243	Q3 2025 Reduced 1.74%
BIV Vanguard Bd Index Fd Inc Inter ETFs	$0	$8.56 Million 2.79% of portfolio	109,556	Q3 2025 Added 4.07%
IVV Ishares Core S&P 500 ETF ETFs	$0	$8.45 Million 2.76% of portfolio	12,620	Q3 2025 Added 0.19%
XBJA Innovator Etfs Tr Us Equity Ac ETFs	$0	$8.36 Million 2.73% of portfolio	267,275	Q3 2025 Added 2.12%
DFIP Dimensional ETF Tr Inflation P ETFs	$0	$5.88 Million 1.92% of portfolio	139,163	Q3 2025 Added 4.95%
DFEV Dimensional ETF Tr Emerging Mk ETFs	$0	$5.68 Million 1.85% of portfolio	178,056	Q3 2025 Reduced 4.09%
IVE Ishares S&P 500 Value ETF ETFs	$0	$4.78 Million 1.56% of portfolio	23,140	Q3 2025 Reduced 0.57%
IJH Ishares Core S&P Mid Cap ETF ETFs	$0	$4.64 Million 1.52% of portfolio	71,142	Q3 2025 Reduced 0.51%
EFG Msci Eafe Growth ETF ETFs	$0	$4.64 Million 1.51% of portfolio	40,711	Q3 2025 Reduced 2.52%
GLD Spdr Gold Trust ETFs	$127B	$4.41 Million 1.44% of portfolio	12,419	Q3 2025 Reduced 3.76%
QQQ Invesco Qqq Trust, Series 1 ETFs	$0	$4.33 Million 1.41% of portfolio	7,208	Q3 2025 Added 5.33%
GOVT Ishares U.S. Treasury Bond ETF ETFs	$0	$4.21 Million 1.37% of portfolio	181,895	Q3 2025 Added 1.66%
BSV Vanguard Bd Index Fd Inc Short ETFs	$0	$4.01 Million 1.31% of portfolio	50,770	Q3 2025 Added 7.78%
AAPL Apple Inc. Technology	$4.35T	$3.97 Million 1.3% of portfolio	15,578	Q3 2025 Reduced 0.21%
VOE Vanguard Mid Cap Value Index F ETFs	$0	$3.59 Million 1.17% of portfolio	20,555	Q3 2025 Added 1.11%
VCSH Vanguard Sht Term Corp Bd ETF ETFs	$0	$3.34 Million 1.09% of portfolio	41,805	Q3 2025 Added 16.72%
VTEB Vanguard Mun Bd Fds Tax Exempt ETFs	$0	$3.24 Million 1.06% of portfolio	64,624	Q3 2025 Added 2.69%
VOT Vanguard Mid Cap Growth Index ETFs	$0	$3.15 Million 1.03% of portfolio	10,722	Q3 2025 Reduced 2.73%
IDV Ishares Tr ETFs	$0	$3.02 Million 0.99% of portfolio	82,534	Q3 2025 Reduced 5.47%
VNQ Vanguard Specialized Funds Van ETFs	$0	$2.83 Million 0.93% of portfolio	30,992	Q3 2025 Reduced 4.04%
FNDC Schwab Fundamental Intl Small ETFs	$0	$2.57 Million 0.84% of portfolio	57,766	Q3 2025 Reduced 7.61%
VBK Vanguard Small Cap Growth ETF ETFs	$0	$2.43 Million 0.79% of portfolio	8,164	Q3 2025 Reduced 1.38%
VBR Vanguard Small Cap Value ETF ETFs	$0	$2.39 Million 0.78% of portfolio	11,464	Q3 2025 Reduced 2.46%
VTIP Vanguard Sht Trm Inflt Prot Fd ETFs	$0	$2.34 Million 0.76% of portfolio	46,232	Q3 2025 Added 5.11%
BNDX Vanguard Total International B ETFs	$0	$2.34 Million 0.76% of portfolio	47,212	Q3 2025 Added 6.75%
DGS Wisdomtree Emerging Markets Sm ETFs	$0	$2.28 Million 0.74% of portfolio	39,875	Q3 2025 Reduced 0.55%
JNJ Johnson & Johnson Healthcare	$494B	$1.91 Million 0.62% of portfolio	10,315	Q3 2025 Reduced 16.09%
VEA Vanguard Ftse Developed Market ETFs	$0	$1.8 Million 0.59% of portfolio	30,022	Q3 2025 Reduced 3.87%
MSFT Microsoft Corp Technology	$3.86T	$1.77 Million 0.58% of portfolio	3,414	Q3 2025 Reduced 5.06%
MUB Ishares National Muni Bond ETF ETFs	$0	$1.76 Million 0.57% of portfolio	16,502	Q3 2025 Reduced 4.49%
SPY Spdr S&P 500 ETF Trust ETFs	$0	$1.67 Million 0.55% of portfolio	2,513	Q3 2025 Reduced 4.12%
TIP Ishares Tr Tips Bd ETF ETFs	$0	$1.6 Million 0.52% of portfolio	14,404	Q3 2025 Reduced 7.46%
XOM Exxon Mobil Corp Energy	$477B	$1.47 Million 0.48% of portfolio	13,070	Q3 2025 Added 0.22%
PRF Invesco Exchange Traded Fd Tr ETFs	$0	$1.48 Million 0.48% of portfolio	32,636	Q3 2025 Reduced 3.58%
SCZ Ishares Tr Msci Eafe Small Cap ETFs	$0	$1.39 Million 0.45% of portfolio	18,137	Q3 2025 Reduced 6.62%
IJR Ishares Core S&P Sm Cap ETF ETFs	$0	$1.34 Million 0.44% of portfolio	11,286	Q3 2025 Reduced 0.71%
BRK-B Berkshire Hathaway Inc Class B Financial Services	$621B	$1.15 Million 0.37% of portfolio	2,282	Q2 2025 Reduced 5.07%
DFAR Dimensional ETF Tr Dimensional ETFs	$0	$1.11 Million 0.36% of portfolio	46,497	Q3 2025 Added 0.26%
SIGI Selective Insurance Group Inc Financial Services	$4.55B	$925,000 0.3% of portfolio	11,418	Q1 2025 Reduced 9.51%
RTX Raytheon Technologies Corp Industrials	$262B	$877,000 0.29% of portfolio	5,242	Q3 2025 Reduced 58.58%

Summary

Portfolio
No. of Stocks 116
Current Value $306 Million
Prior Value $289 Million
Filing
Period Q3 2025
Filing Date October 23, 2025
Form Type 13F-HR
Activity in Q3 2025
New Purchases 2 stocks
Additional Purchases 37 stocks
Sold out of 0 stocks
Reduced holdings in 56 stocks

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Sterling Financial Planning, Inc. Portfolio Holdings