Pearl Planning LLC — 13F Holdings

2026 Q3  ·  64 Positions

2026 Q3 Portfolio Activity

In 2026 Q3, Pearl Planning LLC maintained a portfolio of 64 distinct positions. The most significant new addition was BLACKROCK ETF TRUST II, now representing 3.02% of the total fund value. They heavily accumulated shares in AMERICAN CENTY ETF TR, increasing the position by 28.0%. The fund also reduced its exposure to VANGUARD INDEX FDS by 28.1%.
Position History hover any row below to update
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Pearl Planning LLC AUM $241M
Fund Overview SEC EDGAR
PCA Score Concentration Risk
Risk ENB
To Excel To CSV
Total Positions
64
Quarter
2026 Q3
Top Holding
VOO (14.4%)
Top 10 Concentration
69.1%
Turnover Rate
23.4%
Sector HHI
0.18
Items per page:
Showing 1-50 of 64
Stock History Sector / Type Port % Prev % Rank / Prev Conviction
Freshness
Change % Change Influence Shares Mkt Value Avg Cost Price Held 1st Owned Source Source Date Date Reported
VOO
VANGUARD INDEX ...
ETF 14.38% 14.36% #1
Prev: #1
8.0
—
3,997 8.8%
P
S
49,450 $34,657,257
$630.60 +9.3%
$700.86 -1.6%
2025 Q4 13F Filing 2026-09-30 2026-10-13
AVDE
AMERICAN CENTY ...
Bond/Debt 12.52% 10.74% #2
Prev: #2
8.0
—
73,199 28.0%
P
S
334,972 $30,184,322 2025 Q4 13F Filing 2026-09-30 2026-10-13
JPIE
J P MORGAN EXCH...
ETF 7.79% 8.29% #3
Prev: #3
6.1
—
27,136 6.9%
P
S
418,492 $18,786,119 2026 Q1 13F Filing 2026-09-30 2026-10-13
FBND
FIDELITY MERRIM...
ETF 7.48% 8.07% #4
Prev: #4
5.5
—
30,794 8.0%
P
S
416,375 $18,029,050 2026 Q1 13F Filing 2026-09-30 2026-10-13
VO
VANGUARD INDEX ...
ETF 6.12% 6.79% #5 1
Prev: #6
3.4
—
4,943 2.7%
P
S
188,109 $14,751,499 2025 Q4 13F Filing 2026-09-30 2026-10-13
FRDM
EA SERIES TRUST
ETF 4.84% 5.67% #6 1
Prev: #7
2.4
—
-2,246 -1.3%
P
S
166,799 $11,669,290 2025 Q4 13F Filing 2026-09-30 2026-10-13
VTV
VANGUARD INDEX ...
ETF 4.53% 7.05% #7 2
Prev: #5
1.8
—
-19,782 -28.1%
P
S
50,552 $10,923,174 2025 Q4 13F Filing 2026-09-30 2026-10-13
ESGV
VANGUARD WORLD ...
ETF 4.11% 3.69% #8 2
Prev: #10
4.1
—
12,497 20.6%
P
S
73,116 $9,909,358 2025 Q4 13F Filing 2026-09-30 2026-10-13
DGRO
ISHARES TR
Warrant 4.04% 3.96% #9 1
Prev: #8
3.6
—
15,510 13.7%
P
S
129,066 $9,730,321 2025 Q4 13F Filing 2026-09-30 2026-10-13
QQQM
INVESCO EXCH TR...
ETF 3.34% 3.15% #10 1
Prev: #11
3.3
—
3,799 16.8%
P
S
26,391 $8,039,632 2025 Q4 13F Filing 2026-09-30 2026-10-13
AVUV
AMERICAN CENTY ...
ETF 3.31% 3.83% #11 2
Prev: #9
1.8
—
967 1.4%
P
S
67,672 $7,969,775 2025 Q4 13F Filing 2026-09-30 2026-10-13
SHYM
BLACKROCK ETF T...
ETF 3.02% — #12
Prev: #—
4.7
—
340,940 —
NEW
 340,940 $7,287,592 2026 Q3 13F Filing 2026-09-30 2026-10-13
TAXE
T ROWE PRICE EX...
Bond/Debt 2.96% — #13
Prev: #—
4.7
—
147,274 —
NEW
 147,274 $7,130,420 2026 Q3 13F Filing 2026-09-30 2026-10-13
TMSL
T ROWE PRICE EX...
Unknown 2.08% 2.47% #14 2
Prev: #12
1.3
—
764 0.6%
P
S
123,221 $5,015,076 2025 Q4 13F Filing 2026-09-30 2026-10-13
BOXX
EA SERIES TRUST
Unknown 1.80% 2.11% #15 2
Prev: #13
1.2
—
-2,635 -6.7%
P
S
36,578 $4,330,469 2025 Q4 13F Filing 2026-09-30 2026-10-13
BSV
VANGUARD BD IND...
Bond/Debt 1.74% 1.66% #16 1
Prev: #15
2.7
—
8,464 18.3%
P
S
54,745 $4,182,497 2025 Q4 13F Filing 2026-09-30 2026-10-13
QQQ
INVESCO QQQ TR
ETF 1.70% 1.66% #17 3
Prev: #14
2.7
—
655 13.4%
P
S
5,553 $4,108,194 2025 Q4 13F Filing 2026-09-30 2026-10-13
QQMG
INVESCO EXCH TR...
Unknown 1.59% 1.47% #18 1
Prev: #17
2.6
—
11,134 17.8%
P
S
73,722 $3,821,385 2025 Q4 13F Filing 2026-09-30 2026-10-13
VCEB
VANGUARD WORLD ...
ETF 1.30% 1.60% #19 3
Prev: #16
1.0
—
-2,665 -4.8%
P
S
52,750 $3,142,822 2025 Q4 13F Filing 2026-09-30 2026-10-13
ESML
ISHARES TR
ETF 1.07% 1.20% #20 1
Prev: #19
2.4
—
2,841 6.1%
P
S
49,650 $2,581,789 2025 Q4 13F Filing 2026-09-30 2026-10-13
BIL
SPDR SERIES TRU...
ETF 1.07% 1.37% #21 3
Prev: #18
0.9
—
-4,482 -13.8%
P
S
28,114 $2,576,397 2025 Q4 13F Filing 2026-09-30 2026-10-13
IDMO
INVESCO EXCH TR...
Bond/Debt 0.64% 0.70% #22
Prev: #22
0.8
—
-288 -1.1%
P
S
25,084 $1,531,154 2025 Q4 13F Filing 2026-09-30 2026-10-13
IVV
ISHARES TR
ETF 0.43% 0.46% #23 3
Prev: #26
0.7
—
-2 -0.1%
P
S
1,346 $1,031,012 2025 Q4 13F Filing 2026-09-30 2026-10-13
JCPB
J P MORGAN EXCH...
ETF 0.42% — #24
Prev: #—
3.7
—
22,850 —
NEW
 22,850 $1,023,203 2026 Q3 13F Filing 2026-09-30 2026-10-13
AAPL
APPLE INC
Technology 0.42% 0.33% #25 7
Prev: #32
2.7
—
518 20.8%
P
S
3,004 $1,000,479 2025 Q4 13F Filing 2026-09-30 2026-10-13
VB
VANGUARD INDEX ...
ETF 0.40% 0.48% #26 1
Prev: #25
0.7
—
-38 -1.1%
P
S
3,407 $969,259 2025 Q4 13F Filing 2026-09-30 2026-10-13
QUAL
ISHARES TR
ETF 0.40% 0.53% #27 4
Prev: #23
0.7
—
-846 -16.3%
P
S
4,356 $968,077 2025 Q4 13F Filing 2026-09-30 2026-10-13
VEA
VANGUARD TAX-MA...
ETF 0.36% 0.40% #28 1
Prev: #27
0.6
—
-63 -0.5%
P
S
12,266 $866,121 2025 Q4 13F Filing 2026-09-30 2026-10-13
VCRB
VANGUARD MALVER...
ETF 0.34% — #29
Prev: #—
3.6
—
11,236 —
NEW
 11,236 $827,194 2026 Q3 13F Filing 2026-09-30 2026-10-13
AMZN
AMAZON COM INC
Consumer Cyclical 0.34% 0.14% #30 18
Prev: #48
3.1
—
1,981 157.1%
P
S
3,242 $807,767 2025 Q4 13F Filing 2026-09-30 2026-10-13
NVDA
NVIDIA CORPORAT...
Technology 0.32% 0.17% #31 12
Prev: #43
3.1
—
1,546 82.1%
P
S
3,430 $783,351 2025 Q4 13F Filing 2026-09-30 2026-10-13
MSFT
MICROSOFT CORP
Technology 0.32% 0.20% #32 6
Prev: #38
2.6
—
356 31.1%
P
S
1,501 $769,865 2025 Q4 13F Filing 2026-09-30 2026-10-13
AVSC
AMERICAN CENTY ...
ETF 0.32% 0.38% #33 5
Prev: #28
0.6
—
-300 -2.7%
P
S
11,005 $760,886 2025 Q4 13F Filing 2026-09-30 2026-10-13
IWF
ISHARES TR
ETF 0.29% 0.32% #34
Prev: #34
1.1
—
no change no change
P
S
5,673 $710,565 2025 Q4 13F Filing 2026-09-30 2026-10-13
XMHQ
INVESCO EXCHANG...
ETF 0.28% 0.36% #35 6
Prev: #29
0.6
—
-776 -11.2%
P
S
6,131 $684,493 2025 Q4 13F Filing 2026-09-30 2026-10-13
IJH
ISHARES TR
ETF 0.27% 0.33% #36 5
Prev: #31
0.6
—
-232 -2.5%
P
S
9,191 $661,297 2025 Q4 13F Filing 2026-09-30 2026-10-13
TSLA
TESLA INC
Consumer Cyclical 0.26% — #37
Prev: #—
3.6
—
1,750 —
NEW
 1,750 $620,761 2026 Q3 13F Filing 2026-09-30 2026-10-13
ILCV
ISHARES TR
ETF 0.23% 0.25% #38 2
Prev: #36
0.6
—
38 0.7%
P
S
5,317 $560,093 2025 Q4 13F Filing 2026-09-30 2026-10-13
IEFA
ISHARES TR
ETF 0.23% 0.25% #39 4
Prev: #35
0.6
—
200 3.6%
P
S
5,769 $558,901 2025 Q4 13F Filing 2026-09-30 2026-10-13
META
META PLATFORMS ...
Communication Services 0.22% 0.18% #40 2
Prev: #42
0.6
—
16 2.3%
P
S
716 $519,200 2025 Q4 13F Filing 2026-09-30 2026-10-13
BND
VANGUARD BD IND...
ETF 0.19% 0.79% #41 20
Prev: #21
0.1
—
-16,736 -71.6%
P
S
6,653 $466,685 2025 Q4 13F Filing 2026-09-30 2026-10-13
XLK
SELECT SECTOR S...
ETF 0.18% 0.20% #42 3
Prev: #39
1.1
—
no change no change
P
S
2,232 $436,914 2025 Q4 13F Filing 2026-09-30 2026-10-13
BIV
VANGUARD BD IND...
Bond/Debt 0.18% 0.50% #43 19
Prev: #24
0.1
—
-8,257 -58.2%
P
S
5,934 $432,351 2025 Q4 13F Filing 2026-09-30 2026-10-13
VOTE
TCW ETF TRUST
ETF 0.18% 0.19% #44 4
Prev: #40
1.1
—
no change no change
P
S
4,761 $428,784 2025 Q4 13F Filing 2026-09-30 2026-10-13
GOOGL
ALPHABET INC
Communication Services 0.17% 0.14% #45 2
Prev: #47
2.6
—
364 42.9%
P
S
1,212 $417,110 2025 Q4 13F Filing 2026-09-30 2026-10-13
RSG
REPUBLIC SVCS I...
Industrials 0.16% 0.18% #46 5
Prev: #41
1.1
—
no change no change
P
S
1,863 $390,988 2025 Q4 13F Filing 2026-09-30 2026-10-13
ORCL
ORACLE CORP
Technology 0.16% 0.20% #47 10
Prev: #37
0.6
—
-202 -6.8%
P
S
2,781 $381,841 2025 Q4 13F Filing 2026-09-30 2026-10-13
FEOE
RBB FUND TRUST
ETF 0.14% 0.15% #48 3
Prev: #45
1.1
—
no change no change
P
S
6,306 $339,074 2025 Q4 13F Filing 2026-09-30 2026-10-13
VTI
VANGUARD INDEX ...
ETF 0.14% 0.14% #49 1
Prev: #50
2.1
—
73 9.1%
P
S
873 $326,778 2025 Q4 13F Filing 2026-09-30 2026-10-13
ESGU
ISHARES TR
ETF 0.12% 0.13% #50 1
Prev: #51
1.0
—
no change no change
P
S
1,732 $288,898 2025 Q4 13F Filing 2026-09-30 2026-10-13
Showing 1-50 of 64 holdings

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