AI Portfolio Summary
In 2025 Q4, Sterling Financial Planning, Inc. maintained a portfolio of 121 distinct positions. They heavily accumulated shares in ISHARES TR, increasing their position by 3.5%. The fund also reduced its exposure to INVESCO EXCHANGE TRA by 6.6%.
Total Positions
121
Quarter
2025 Q4
Top Holding
IAU (6.3%)
Top 10 Concentration
46.8%
Turnover Rate
23.4%
Sector HHI
0.18
Items per page:
Showing 1-50 of 121
| 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 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
|
IAU
ISHARES GOLD TR
|
ETF | 6.31% | 6.27% |
#1
Prev: #1
|
5.0 | -15,430 | -5.6% |
P
S
|
257,929 | $20,936,108 | 2020 Q4 | 13F Filing | 2025-12-31 | 2026-02-14 (Est.) | |||
|
IJJ
ISHARES TR
|
ETF | 6.07% | 6.05% |
#2
Prev: #2
|
4.4 | 5,107 | 3.5% |
P
S
|
152,975 | $20,129,963 | 2020 Q4 | 13F Filing | 2025-12-31 | 2026-02-14 (Est.) | |||
|
IJT
ISHARES TR
|
Warrant | 5.48% | 5.54% |
#3
1
Prev: #4
|
3.7 | 4,670 | 3.8% |
P
S
|
128,848 | $18,188,127 | 2020 Q4 | 13F Filing | 2025-12-31 | 2026-02-14 (Est.) | |||
|
IVW
ISHARES TR
|
Warrant | 5.42% | 5.64% |
#4
1
Prev: #3
|
3.2 | -2,237 | -1.5% |
P
S
|
145,862 | $17,978,947 | 2020 Q4 | 13F Filing | 2025-12-31 | 2026-02-14 (Est.) | |||
|
IJK
ISHARES TR
|
ETF | 5.37% | 5.45% |
#5
Prev: #5
|
3.1 | 3,598 | 2.0% |
P
S
|
183,811 | $17,807,615 | 2020 Q4 | 13F Filing | 2025-12-31 | 2026-02-14 (Est.) | |||
|
DFIV
DIMENSIONAL ETF...
|
Bond/Debt | 4.80% | 4.61% |
#6
Prev: #6
|
2.4 | 2,209 | 0.7% |
P
S
|
318,899 | $15,913,060 | 2022 Q2 | 13F Filing | 2025-12-31 | 2026-02-14 (Est.) | |||
|
FNDX
SCHWAB STRATEGI...
|
Bond/Debt | 3.55% | 3.52% |
#7
Prev: #7
|
1.9 | 8,507 | 2.0% |
P
S
|
432,500 | $11,768,313 | 2020 Q4 | 13F Filing | 2025-12-31 | 2026-02-14 (Est.) | |||
|
VYM
VANGUARD WHITEH...
|
ETF | 3.42% | 3.41% |
#8
Prev: #8
|
1.9 | 2,300 | 3.0% |
P
S
|
79,046 | $11,344,621 | 2020 Q4 | 13F Filing | 2025-12-31 | 2026-02-14 (Est.) | |||
|
DISV
DIMENSIONAL ETF...
|
Bond/Debt | 3.40% | 3.32% |
#9
Prev: #9
|
1.9 | 1,923 | 0.7% |
P
S
|
296,858 | $11,280,616 | 2022 Q2 | 13F Filing | 2025-12-31 | 2026-02-14 (Est.) | |||
|
BIV
VANGUARD BD IND...
|
Bond/Debt | 3.04% | 2.70% |
#10
2
Prev: #12
|
3.2 | 19,945 | 18.2% |
P
S
|
129,501 | $10,085,572 | 2020 Q4 | 13F Filing | 2025-12-31 | 2026-02-14 (Est.) | |||
|
DFSV
DIMENSIONAL ETF...
|
ETF | 2.84% | 2.81% |
#11
1
Prev: #10
|
1.6 | 6,514 | 2.3% |
P
S
|
286,687 | $9,429,151 | 2022 Q2 | 13F Filing | 2025-12-31 | 2026-02-14 (Est.) | |||
|
IJS
ISHARES TR
|
ETF | 2.71% | 2.76% |
#12
1
Prev: #11
|
1.6 | -177 | -0.2% |
P
S
|
79,066 | $8,991,416 | 2020 Q4 | 13F Filing | 2025-12-31 | 2026-02-14 (Est.) | |||
|
XBJA
INNOVATOR ETFS ...
|
ETF | 2.65% | 2.64% |
#13
1
Prev: #14
|
1.6 | 7,575 | 2.8% |
P
S
|
274,850 | $8,787,022 | 2022 Q1 | 13F Filing | 2025-12-31 | 2026-02-14 (Est.) | |||
|
IVV
ISHARES TR
|
ETF | 2.58% | 2.66% |
#14
1
Prev: #13
|
1.5 | -119 | -0.9% |
P
S
|
12,501 | $8,562,218 | 2020 Q4 | 13F Filing | 2025-12-31 | 2026-02-14 (Est.) | |||
|
DFIP
DIMENSIONAL ETF...
|
ETF | 1.94% | 1.85% |
#15
Prev: #15
|
2.8 | 15,528 | 11.2% |
P
S
|
154,691 | $6,428,199 | 2022 Q2 | 13F Filing | 2025-12-31 | 2026-02-14 (Est.) | |||
|
DFEV
DIMENSIONAL ETF...
|
ETF | 1.83% | 1.79% |
#16
Prev: #16
|
1.2 | 1,895 | 1.1% |
P
S
|
179,951 | $6,071,556 | 2022 Q3 | 13F Filing | 2025-12-31 | 2026-02-14 (Est.) | |||
|
DFGR
DIMENSIONAL ETF...
|
ETF | 1.75% | 1.78% |
#17
Prev: #17
|
2.7 | 12,758 | 6.2% |
P
S
|
219,379 | $5,795,991 | 2023 Q1 | 13F Filing | 2025-12-31 | 2026-02-14 (Est.) | |||
|
IVE
ISHARES TR
|
ETF | 1.47% | 1.51% |
#18
Prev: #18
|
1.1 | -179 | -0.8% |
P
S
|
22,961 | $4,869,416 | 2020 Q4 | 13F Filing | 2025-12-31 | 2026-02-14 (Est.) | |||
|
IJH
ISHARES TR
|
ETF | 1.41% | 1.46% |
#19
Prev: #19
|
1.1 | -331 | -0.5% |
P
S
|
70,811 | $4,673,495 | 2020 Q4 | 13F Filing | 2025-12-31 | 2026-02-14 (Est.) | |||
|
EFG
ISHARES TR
|
Warrant | 1.40% | 1.46% |
#20
Prev: #20
|
1.1 | 67 | 0.2% |
P
S
|
40,778 | $4,645,439 | 2020 Q4 | 13F Filing | 2025-12-31 | 2026-02-14 (Est.) | |||
|
GLD
SPDR GOLD TR
|
ETF | 1.40% | 1.39% |
#21
Prev: #21
|
1.1 | -701 | -5.6% |
P
S
|
11,718 | $4,644,089 | 2020 Q4 | 13F Filing | 2025-12-31 | 2026-02-14 (Est.) | |||
|
GOVT
ISHARES TR
|
ETF | 1.31% | 1.33% |
#22
1
Prev: #23
|
1.0 | 6,412 | 3.5% |
P
S
|
188,307 | $4,335,772 | 2021 Q1 | 13F Filing | 2025-12-31 | 2026-02-14 (Est.) | |||
|
QQQ
INVESCO QQQ TR
|
ETF | 1.30% | 1.36% |
#23
1
Prev: #22
|
1.0 | -176 | -2.4% |
P
S
|
7,032 | $4,320,012 | 2020 Q4 | 13F Filing | 2025-12-31 | 2026-02-14 (Est.) | |||
|
AAPL
APPLE INC
|
Technology | 1.30% | 1.25% |
#24
1
Prev: #25
|
1.0 | 270 | 1.7% |
P
S
|
15,848 | $4,308,339 | 2020 Q4 | 13F Filing | 2025-12-31 | 2026-02-14 (Est.) | |||
|
BSV
VANGUARD BD IND...
|
Bond/Debt | 1.25% | 1.26% |
#25
1
Prev: #24
|
1.0 | 1,894 | 3.7% |
P
S
|
52,664 | $4,150,453 | 2020 Q4 | 13F Filing | 2025-12-31 | 2026-02-14 (Est.) | |||
|
VTEB
VANGUARD MUN BD...
|
ETF | 1.12% | 1.02% |
#26
2
Prev: #28
|
2.4 | 9,473 | 14.7% |
P
S
|
74,097 | $3,726,329 | 2023 Q3 | 13F Filing | 2025-12-31 | 2026-02-14 (Est.) | |||
|
VCSH
VANGUARD SCOTTS...
|
ETF | 1.12% | 1.05% |
#27
Prev: #27
|
2.4 | 4,723 | 11.3% |
P
S
|
46,528 | $3,709,679 | 2021 Q1 | 13F Filing | 2025-12-31 | 2026-02-14 (Est.) | |||
|
VOE
VANGUARD INDEX ...
|
ETF | 1.11% | 1.13% |
#28
2
Prev: #26
|
0.9 | 189 | 0.9% |
P
S
|
20,744 | $3,679,354 | 2020 Q4 | 13F Filing | 2025-12-31 | 2026-02-14 (Est.) | |||
|
VTES
VANGUARD WELLIN...
|
ETF | 0.97% | 0.97% |
#29
1
Prev: #30
|
2.4 | 1,666 | 5.5% |
P
S
|
31,810 | $3,231,151 | 2023 Q2 | 13F Filing | 2025-12-31 | 2026-02-14 (Est.) | |||
|
IDV
ISHARES TR
|
Bond/Debt | 0.96% | 0.95% |
#30
1
Prev: #31
|
0.9 | -1,718 | -2.1% |
P
S
|
80,816 | $3,188,211 | 2020 Q4 | 13F Filing | 2025-12-31 | 2026-02-14 (Est.) | |||
|
VOT
VANGUARD INDEX ...
|
ETF | 0.95% | 0.99% |
#31
2
Prev: #29
|
2.4 | 573 | 5.3% |
P
S
|
11,295 | $3,153,014 | 2020 Q4 | 13F Filing | 2025-12-31 | 2026-02-14 (Est.) | |||
|
VNQ
VANGUARD INDEX ...
|
ETF | 0.84% | 0.89% |
#32
Prev: #32
|
0.8 | 339 | 1.1% |
P
S
|
31,331 | $2,772,483 | 2020 Q4 | 13F Filing | 2025-12-31 | 2026-02-14 (Est.) | |||
|
FNDC
SCHWAB STRATEGI...
|
Bond/Debt | 0.77% | 0.81% |
#33
Prev: #33
|
0.8 | -338 | -0.6% |
P
S
|
57,428 | $2,558,400 | 2020 Q4 | 13F Filing | 2025-12-31 | 2026-02-14 (Est.) | |||
|
VTIP
VANGUARD MALVER...
|
ETF | 0.76% | 0.74% |
#34
2
Prev: #36
|
2.3 | 4,586 | 9.9% |
P
S
|
50,818 | $2,513,477 | 2022 Q4 | 13F Filing | 2025-12-31 | 2026-02-14 (Est.) | |||
|
BNDX
VANGUARD CHARLO...
|
Bond/Debt | 0.76% | 0.74% |
#35
2
Prev: #37
|
2.3 | 4,734 | 10.0% |
P
S
|
51,946 | $2,510,012 | 2020 Q4 | 13F Filing | 2025-12-31 | 2026-02-14 (Est.) | |||
|
VBK
VANGUARD INDEX ...
|
ETF | 0.75% | 0.77% |
#36
2
Prev: #34
|
0.8 | 95 | 1.2% |
P
S
|
8,259 | $2,495,115 | 2020 Q4 | 13F Filing | 2025-12-31 | 2026-02-14 (Est.) | |||
|
VBR
VANGUARD INDEX ...
|
ETF | 0.73% | 0.75% |
#37
2
Prev: #35
|
0.8 | -2 | -0.0% |
P
S
|
11,462 | $2,427,435 | 2020 Q4 | 13F Filing | 2025-12-31 | 2026-02-14 (Est.) | |||
|
DGS
WISDOMTREE TR
|
ETF | 0.69% | 0.72% |
#38
Prev: #38
|
0.8 | 10 | 0.0% |
P
S
|
39,885 | $2,283,022 | 2020 Q4 | 13F Filing | 2025-12-31 | 2026-02-14 (Est.) | |||
|
JNJ
JOHNSON & JOHNS...
|
Healthcare | 0.64% | 0.60% |
#39
Prev: #39
|
0.8 | -47 | -0.5% |
P
S
|
10,268 | $2,124,963 | 2020 Q4 | 13F Filing | 2025-12-31 | 2026-02-14 (Est.) | |||
|
VEA
VANGUARD TAX-MA...
|
ETF | 0.56% | 0.57% |
#40
Prev: #40
|
0.7 | -460 | -1.5% |
P
S
|
29,562 | $1,846,761 | 2020 Q4 | 13F Filing | 2025-12-31 | 2026-02-14 (Est.) | |||
|
SPY
SPDR S&P 500 ET...
|
ETF | 0.54% | 0.53% |
#41
2
Prev: #43
|
0.7 | 116 | 4.6% |
P
S
|
2,629 | $1,792,996 | 2020 Q4 | 13F Filing | 2025-12-31 | 2026-02-14 (Est.) | |||
|
MUB
ISHARES TR
|
ETF | 0.53% | 0.55% |
#42
Prev: #42
|
0.7 | -148 | -0.9% |
P
S
|
16,354 | $1,751,727 | 2021 Q2 | 13F Filing | 2025-12-31 | 2026-02-14 (Est.) | |||
|
MSFT
MICROSOFT CORP
|
Technology | 0.50% | 0.56% |
#43
2
Prev: #41
|
0.7 | -14 | -0.4% |
P
S
|
3,400 | $1,644,402 | 2020 Q4 | 13F Filing | 2025-12-31 | 2026-02-14 (Est.) | |||
|
TIP
ISHARES TR
|
ETF | 0.49% | 0.51% |
#44
Prev: #44
|
0.7 | 463 | 3.2% |
P
S
|
14,867 | $1,634,035 | 2021 Q1 | 13F Filing | 2025-12-31 | 2026-02-14 (Est.) | |||
|
XOM
EXXON MOBIL COR...
|
Energy | 0.47% | 0.46% |
#45
1
Prev: #46
|
0.7 | -60 | -0.5% |
P
S
|
13,010 | $1,565,601 | 2020 Q4 | 13F Filing | 2025-12-31 | 2026-02-14 (Est.) | |||
|
PRF
INVESCO EXCHANG...
|
ETF | 0.43% | 0.47% |
#46
1
Prev: #45
|
0.7 | -2,164 | -6.6% |
P
S
|
30,472 | $1,429,742 | 2020 Q4 | 13F Filing | 2025-12-31 | 2026-02-14 (Est.) | |||
|
SCZ
ISHARES TR
|
ETF | 0.41% | 0.44% |
#47
Prev: #47
|
0.7 | -474 | -2.6% |
P
S
|
17,663 | $1,369,439 | 2021 Q1 | 13F Filing | 2025-12-31 | 2026-02-14 (Est.) | |||
|
IJR
ISHARES TR
|
ETF | 0.41% | 0.42% |
#48
Prev: #48
|
0.7 | -54 | -0.5% |
P
S
|
11,232 | $1,349,899 | 2020 Q4 | 13F Filing | 2025-12-31 | 2026-02-14 (Est.) | |||
|
BRK/B
BERKSHIRE HATHA...
|
Financial Services | 0.35% | 0.36% |
#49
Prev: #49
|
1.1 | no change | no change |
P
S
|
2,282 | $1,147,047 | 2020 Q4 | 13F Filing | 2025-12-31 | 2026-02-14 (Est.) | |||
|
DFAR
DIMENSIONAL ETF...
|
ETF | 0.33% | 0.35% |
#50
Prev: #50
|
0.6 | 1,229 | 2.6% |
P
S
|
47,726 | $1,092,985 | 2022 Q4 | 13F Filing | 2025-12-31 | 2026-02-14 (Est.) |
Showing 1-50 of 121 holdings