AI Portfolio Summary
In 2026 Q1, Pearl Planning LLC maintained a portfolio of 54 distinct positions. The most significant new addition to the portfolio was J P MORGAN EXCHANGE , which now represents 8.82% of the total fund value. They heavily accumulated shares in VANGUARD INDEX FDS, increasing their position by 4.6%. The fund also reduced its exposure to VANGUARD BD INDEX FD by 86.1%.
Total Positions
54
Quarter
2026 Q1
Top Holding
VOO (13.6%)
Top 10 Concentration
72.5%
Turnover Rate
23.4%
Sector HHI
0.18
Items per page:
Showing 1-50 of 54
| Stock | History | Sector / Type | Port % | Prev % | Rank / Prev | Conviction | Change | % Change | Influence | Shares | Mkt Value | Avg Cost | Price Held | 1st Owned | Source | Source Date | Date Reported |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
|
VOO
VANGUARD INDEX ...
|
ETF | 13.64% | 15.67% |
#1
Prev: #1
|
6.5 | 1,867 | 4.6% |
P
S
|
42,723 | $25,529,282 | 2025 Q4 | 13F Filing | 2026-03-31 | 2026-04-30 | |||
|
AVDE
AMERICAN CENTY ...
|
Bond/Debt | 10.48% | 10.45% |
#2
Prev: #2
|
7.5 | 23,457 | 11.3% |
P
S
|
231,116 | $19,607,860 | 2025 Q4 | 13F Filing | 2026-03-31 | 2026-04-30 | |||
|
JPIE
J P MORGAN EXCH...
|
ETF | 8.82% | — |
#3
Prev: #—
|
8.0 | 358,146 | no change |
NEW
|
358,146 | $16,499,779 | 2026 Q1 | 13F Filing | 2026-03-31 | 2026-04-30 | |||
|
FBND
FIDELITY MERRIM...
|
ETF | 8.56% | — |
#4
Prev: #—
|
7.4 | 351,175 | no change |
NEW
|
351,175 | $16,020,589 | 2026 Q1 | 13F Filing | 2026-03-31 | 2026-04-30 | |||
|
VTV
VANGUARD INDEX ...
|
ETF | 7.68% | 8.55% |
#5
1
Prev: #4
|
4.1 | 9 | 0.0% |
P
S
|
73,197 | $14,361,261 | 2025 Q4 | 13F Filing | 2026-03-31 | 2026-04-30 | |||
|
VO
VANGUARD INDEX ...
|
ETF | 6.78% | 7.41% |
#6
1
Prev: #5
|
4.7 | 2,379 | 5.7% |
P
S
|
44,153 | $12,679,800 | 2025 Q4 | 13F Filing | 2026-03-31 | 2026-04-30 | |||
|
FRDM
EA SERIES TRUST
|
ETF | 5.15% | 5.75% |
#7
1
Prev: #6
|
2.6 | -7,176 | -3.9% |
P
S
|
176,261 | $9,632,645 | 2025 Q4 | 13F Filing | 2026-03-31 | 2026-04-30 | |||
|
DGRO
ISHARES TR
|
Warrant | 4.00% | 4.32% |
#8
1
Prev: #7
|
2.1 | 4,881 | 4.8% |
P
S
|
106,525 | $7,475,947 | 2025 Q4 | 13F Filing | 2026-03-31 | 2026-04-30 | |||
|
AVUV
AMERICAN CENTY ...
|
ETF | 3.86% | 3.98% |
#9
Prev: #9
|
2.0 | 1,546 | 2.4% |
P
S
|
65,339 | $7,217,982 | 2025 Q4 | 13F Filing | 2026-03-31 | 2026-04-30 | |||
|
ESGV
VANGUARD WORLD ...
|
ETF | 3.52% | 4.21% |
#10
2
Prev: #8
|
1.9 | 1,668 | 2.9% |
P
S
|
58,628 | $6,582,162 | 2025 Q4 | 13F Filing | 2026-03-31 | 2026-04-30 | |||
|
BOXX
EA SERIES TRUST
|
Unknown | 3.11% | 3.46% |
#11
1
Prev: #10
|
1.7 | 843 | 1.7% |
P
S
|
50,006 | $5,815,198 | 2025 Q4 | 13F Filing | 2026-03-31 | 2026-04-30 | |||
|
QQQM
INVESCO EXCH TR...
|
ETF | 2.68% | 3.12% |
#12
1
Prev: #11
|
1.6 | 899 | 4.5% |
P
S
|
21,086 | $5,010,360 | 2025 Q4 | 13F Filing | 2026-03-31 | 2026-04-30 | |||
|
TMSL
T ROWE PRICE ET...
|
ETF | 2.35% | 2.52% |
#13
1
Prev: #12
|
1.4 | 5,303 | 4.6% |
P
S
|
120,078 | $4,403,262 | 2025 Q4 | 13F Filing | 2026-03-31 | 2026-04-30 | |||
|
BSV
VANGUARD BD IND...
|
Bond/Debt | 1.66% | 1.58% |
#14
1
Prev: #15
|
3.2 | 6,773 | 20.7% |
P
S
|
39,551 | $3,101,202 | 2025 Q4 | 13F Filing | 2026-03-31 | 2026-04-30 | |||
|
BIL
SPDR SERIES TRU...
|
ETF | 1.65% | 1.93% |
#15
2
Prev: #13
|
1.2 | -855 | -2.5% |
P
S
|
33,709 | $3,089,053 | 2025 Q4 | 13F Filing | 2026-03-31 | 2026-04-30 | |||
|
QQQ
INVESCO QQQ TR
|
ETF | 1.54% | 1.88% |
#16
2
Prev: #14
|
1.1 | -14 | -0.3% |
P
S
|
4,990 | $2,880,324 | 2025 Q4 | 13F Filing | 2026-03-31 | 2026-04-30 | |||
|
VCEB
VANGUARD WORLD ...
|
ETF | 1.39% | 1.41% |
#17
1
Prev: #16
|
2.6 | 5,307 | 14.7% |
P
S
|
41,504 | $2,607,703 | 2025 Q4 | 13F Filing | 2026-03-31 | 2026-04-30 | |||
|
QQMG
INVESCO EXCH TR...
|
Unknown | 1.20% | 1.37% |
#18
1
Prev: #17
|
2.5 | 4,105 | 7.8% |
P
S
|
56,942 | $2,252,461 | 2025 Q4 | 13F Filing | 2026-03-31 | 2026-04-30 | |||
|
BND
VANGUARD BD IND...
|
ETF | 1.09% | 8.99% |
#19
16
Prev: #3
|
0.4 | -170,743 | -86.1% |
P
S
|
27,663 | $2,037,132 | 2025 Q4 | 13F Filing | 2026-03-31 | 2026-04-30 | |||
|
ESML
ISHARES TR
|
ETF | 1.09% | 1.18% |
#20
2
Prev: #18
|
0.9 | 1,348 | 3.2% |
P
S
|
43,298 | $2,035,863 | 2025 Q4 | 13F Filing | 2026-03-31 | 2026-04-30 | |||
|
MUB
ISHARES TR
|
ETF | 0.97% | 1.14% |
#21
2
Prev: #19
|
0.9 | -214 | -1.2% |
P
S
|
17,134 | $1,818,774 | 2025 Q4 | 13F Filing | 2026-03-31 | 2026-04-30 | |||
|
BIV
VANGUARD BD IND...
|
Bond/Debt | 0.62% | 0.72% |
#22
1
Prev: #21
|
1.2 | no change | no change |
P
S
|
15,069 | $1,163,017 | 2025 Q4 | 13F Filing | 2026-03-31 | 2026-04-30 | |||
|
QUAL
ISHARES TR
|
ETF | 0.58% | 0.74% |
#23
3
Prev: #20
|
0.7 | -379 | -6.3% |
P
S
|
5,678 | $1,089,097 | 2025 Q4 | 13F Filing | 2026-03-31 | 2026-04-30 | |||
|
IDMO
INVESCO EXCH TR...
|
Bond/Debt | 0.49% | 0.54% |
#24
1
Prev: #25
|
2.2 | 886 | 5.6% |
P
S
|
16,808 | $921,771 | 2025 Q4 | 13F Filing | 2026-03-31 | 2026-04-30 | |||
|
VB
VANGUARD INDEX ...
|
ETF | 0.48% | 0.54% |
#25
1
Prev: #24
|
0.7 | -4 | -0.1% |
P
S
|
3,442 | $901,529 | 2025 Q4 | 13F Filing | 2026-03-31 | 2026-04-30 | |||
|
IVV
ISHARES TR
|
ETF | 0.47% | 0.57% |
#26
3
Prev: #23
|
0.7 | -1 | -0.1% |
P
S
|
1,352 | $883,292 | 2025 Q4 | 13F Filing | 2026-03-31 | 2026-04-30 | |||
|
VEA
VANGUARD TAX-MA...
|
ETF | 0.41% | 0.46% |
#27
1
Prev: #28
|
0.7 | -1 | -0.0% |
P
S
|
12,077 | $773,925 | 2025 Q4 | 13F Filing | 2026-03-31 | 2026-04-30 | |||
|
AGG
ISHARES TR
|
ETF | 0.39% | 0.46% |
#28
1
Prev: #27
|
0.7 | -177 | -2.3% |
P
S
|
7,427 | $737,278 | 2025 Q4 | 13F Filing | 2026-03-31 | 2026-04-30 | |||
|
AVSC
AMERICAN CENTY ...
|
Bond/Debt | 0.38% | 0.39% |
#29
3
Prev: #32
|
0.7 | 387 | 3.5% |
P
S
|
11,305 | $704,302 | 2025 Q4 | 13F Filing | 2026-03-31 | 2026-04-30 | |||
|
XMHQ
INVESCO EXCHANG...
|
ETF | 0.37% | 0.60% |
#30
8
Prev: #22
|
0.1 | -2,724 | -28.7% |
P
S
|
6,780 | $700,821 | 2025 Q4 | 13F Filing | 2026-03-31 | 2026-04-30 | |||
|
IJH
ISHARES TR
|
ETF | 0.37% | 0.42% |
#31
2
Prev: #29
|
0.6 | -134 | -1.3% |
P
S
|
10,188 | $687,996 | 2025 Q4 | 13F Filing | 2026-03-31 | 2026-04-30 | |||
|
IBM
INTERNATIONAL B...
|
Technology | 0.36% | 0.54% |
#32
6
Prev: #26
|
0.6 | -223 | -7.5% |
P
S
|
2,754 | $667,542 | 2025 Q4 | 13F Filing | 2026-03-31 | 2026-04-30 | |||
|
AAPL
APPLE INC
|
Technology | 0.34% | 0.41% |
#33
2
Prev: #31
|
0.6 | 22 | 0.9% |
P
S
|
2,471 | $627,115 | 2025 Q4 | 13F Filing | 2026-03-31 | 2026-04-30 | |||
|
IWF
ISHARES TR
|
ETF | 0.32% | 0.41% |
#34
4
Prev: #30
|
1.1 | no change | no change |
P
S
|
1,418 | $604,712 | 2025 Q4 | 13F Filing | 2026-03-31 | 2026-04-30 | |||
|
IEFA
ISHARES TR
|
ETF | 0.27% | 0.31% |
#35
1
Prev: #36
|
1.1 | no change | no change |
P
S
|
5,587 | $505,791 | 2025 Q4 | 13F Filing | 2026-03-31 | 2026-04-30 | |||
|
ILCV
ISHARES TR
|
ETF | 0.26% | 0.30% |
#36
1
Prev: #37
|
1.1 | no change | no change |
P
S
|
5,279 | $491,686 | 2025 Q4 | 13F Filing | 2026-03-31 | 2026-04-30 | |||
|
ORCL
ORACLE CORP
|
Technology | 0.24% | 0.36% |
#37
4
Prev: #33
|
0.6 | -33 | -1.1% |
P
S
|
3,023 | $444,714 | 2025 Q4 | 13F Filing | 2026-03-31 | 2026-04-30 | |||
|
META
META PLATFORMS ...
|
Communication Services | 0.22% | 0.33% |
#38
4
Prev: #34
|
0.6 | -94 | -11.4% |
P
S
|
732 | $418,799 | 2025 Q4 | 13F Filing | 2026-03-31 | 2026-04-30 | |||
|
RSG
REPUBLIC SVCS I...
|
Industrials | 0.22% | 0.24% |
#39
1
Prev: #38
|
1.1 | no change | no change |
P
S
|
1,869 | $409,348 | 2025 Q4 | 13F Filing | 2026-03-31 | 2026-04-30 | |||
|
MSFT
MICROSOFT CORP
|
Technology | 0.21% | 0.33% |
#40
5
Prev: #35
|
0.6 | -27 | -2.4% |
P
S
|
1,085 | $401,634 | 2025 Q4 | 13F Filing | 2026-03-31 | 2026-04-30 | |||
|
VOTE
TCW ETF TRUST
|
ETF | 0.19% | 0.23% |
#41
2
Prev: #39
|
1.1 | no change | no change |
P
S
|
4,761 | $363,280 | 2025 Q4 | 13F Filing | 2026-03-31 | 2026-04-30 | |||
|
ISTB
ISHARES TR
|
ETF | 0.18% | 0.21% |
#42
2
Prev: #40
|
1.1 | no change | no change |
P
S
|
6,883 | $333,550 | 2025 Q4 | 13F Filing | 2026-03-31 | 2026-04-30 | |||
|
VBR
VANGUARD INDEX ...
|
ETF | 0.17% | 0.19% |
#43
1
Prev: #42
|
1.1 | no change | no change |
P
S
|
1,490 | $323,703 | 2025 Q4 | 13F Filing | 2026-03-31 | 2026-04-30 | |||
|
FEOE
RBB FUND TRUST
|
Unknown | 0.17% | 0.19% |
#44
Prev: #44
|
1.1 | no change | no change |
P
S
|
6,306 | $318,201 | 2025 Q4 | 13F Filing | 2026-03-31 | 2026-04-30 | |||
|
XLK
SELECT SECTOR S...
|
Unknown | 0.16% | 0.20% |
#45
4
Prev: #41
|
1.1 | no change | no change |
P
S
|
2,232 | $296,633 | 2025 Q4 | 13F Filing | 2026-03-31 | 2026-04-30 | |||
|
NVDA
NVIDIA CORPORAT...
|
Technology | 0.16% | 0.19% |
#46
3
Prev: #43
|
0.6 | -1 | -0.1% |
P
S
|
1,664 | $290,202 | 2025 Q4 | 13F Filing | 2026-03-31 | 2026-04-30 | |||
|
VTI
VANGUARD INDEX ...
|
ETF | 0.14% | 0.17% |
#47
2
Prev: #45
|
0.6 | -20 | -2.4% |
P
S
|
808 | $259,271 | 2025 Q4 | 13F Filing | 2026-03-31 | 2026-04-30 | |||
|
ESGU
ISHARES TR
|
ETF | 0.13% | 0.16% |
#48
Prev: #48
|
1.1 | no change | no change |
P
S
|
1,732 | $244,939 | 2025 Q4 | 13F Filing | 2026-03-31 | 2026-04-30 | |||
|
JPM
JPMORGAN CHASE ...
|
Financial Services | 0.13% | 0.16% |
#49
2
Prev: #47
|
1.1 | no change | no change |
P
S
|
809 | $237,975 | 2025 Q4 | 13F Filing | 2026-03-31 | 2026-04-30 | |||
|
AMZN
AMAZON COM INC
|
Consumer Cyclical | 0.12% | 0.16% |
#50
4
Prev: #46
|
0.5 | -91 | -7.8% |
P
S
|
1,070 | $222,849 | 2025 Q4 | 13F Filing | 2026-03-31 | 2026-04-30 |
Showing 1-50 of 54 holdings