13F HOLDINGS REPORT

PLANNING DIRECTIONS INC

Quarter ended Q4 2025 · Filed January 21, 2026 · Accession 0000821103-26-000001

Total Value

$198.4M

Positions

101

Other Managers

Confidential Omitted

View on SEC.gov

Holdings (101)

#	Issuer	Ticker / CUSIP	Shares	Value	% of Filing
1	SCHWAB STRATEGIC TR	808524797	1,344,660	$36.9M	18.59%
2	VANGUARD BD INDEX FDS	921937827	212,543	$16.8M	8.44%
3	VANGUARD SPECIALIZED FUNDS	921908844	68,060	$15.0M	7.54%
4	VICTORY PORTFOLIOS II	92647N527	280,824	$13.3M	6.70%
5	APPLE INC	AAPL	42,613	$11.6M	5.84%
6	ISHARES TR	464287804	59,638	$7.2M	3.61%
7	VANGUARD WORLD FD	921910840	43,187	$6.1M	3.07%
8	FIDELITY MERRIMACK STR TR	316188408	113,546	$5.7M	2.87%
9	VANGUARD INTL EQUITY INDEX F	922042742	39,977	$5.6M	2.84%
10	VANGUARD INDEX FDS	922908538	20,135	$5.6M	2.83%
11	ISHARES TR	46434V407	129,248	$5.5M	2.79%
12	VANGUARD INDEX FDS	922908736	10,661	$5.2M	2.62%
13	VANGUARD SCOTTSDALE FDS	92206C409	64,013	$5.1M	2.57%
14	J P MORGAN EXCHANGE TRADED F	46641Q332	56,136	$3.2M	1.62%
15	NVIDIA CORPORATION	NVDA	15,481	$2.9M	1.45%
16	J P MORGAN EXCHANGE TRADED F	46654Q203	45,467	$2.6M	1.33%
17	ISHARES TR	464287671	14,994	$2.5M	1.27%
18	SPDR SERIES TRUST	78464A763	17,991	$2.5M	1.26%
19	VANGUARD INDEX FDS	922908629	7,137	$2.1M	1.04%
20	VANGUARD INDEX FDS	922908744	9,177	$1.8M	0.88%
21	ISHARES U S ETF TR	46431W507	32,270	$1.6M	0.83%
22	AMAZON COM INC	AMZN	6,589	$1.5M	0.77%
23	VANGUARD INDEX FDS	922908363	2,363	$1.5M	0.75%
24	MICROSOFT CORP	MSFT	2,885	$1.4M	0.70%
25	VANGUARD INDEX FDS	922908611	6,570	$1.4M	0.70%
26	ISHARES INC	464286525	11,406	$1.4M	0.68%
27	J P MORGAN EXCHANGE TRADED F	46641Q134	17,473	$1.3M	0.66%
28	VANGUARD INDEX FDS	922908512	7,123	$1.3M	0.64%
29	SELECT SECTOR SPDR TR	81369Y308	15,681	$1.2M	0.61%
30	ISHARES TR	464287754	6,940	$1.0M	0.52%
31	J P MORGAN EXCHANGE TRADED F	46641Q647	19,889	$1.0M	0.51%
32	VANGUARD MUN BD FDS	922907746	18,551	$932,937	0.47%
33	VANGUARD WORLD FD	92204A504	3,070	$883,692	0.45%
34	APPLIED MATLS INC	038222105	3,253	$835,902	0.42%
35	CONSTELLATION ENERGY CORP	CEG	2,273	$802,917	0.40%
36	COINBASE GLOBAL INC	COIN	3,428	$775,208	0.39%
37	VANGUARD INDEX FDS	922908751	2,956	$762,451	0.38%
38	SPDR SERIES TRUST	78464A631	3,147	$759,124	0.38%
39	INVESCO EXCHANGE TRADED FD T	IVZ	23,102	$670,526	0.34%
40	ISHARES TR	464287762	10,004	$651,235	0.33%
41	WALMART INC	WMT	5,587	$622,463	0.31%
42	ALPHABET INC	GOOG	1,735	$543,093	0.27%
43	VANGUARD SCOTTSDALE FDS	92206C870	6,393	$535,425	0.27%
44	SELECT SECTOR SPDR TR	81369Y886	12,464	$532,074	0.27%
45	ISHARES TR	464287721	2,611	$521,361	0.26%
46	COHERENT CORP	COHR	2,800	$516,796	0.26%
47	EXXON MOBIL CORP	XOM	4,204	$505,969	0.25%
48	VANGUARD STAR FDS	921909768	6,152	$464,081	0.23%
49	ISHARES TR	46429B697	4,822	$454,060	0.23%
50	SPDR S&P 500 ETF TR	SPY	662	$451,431	0.23%
51	MCDONALDS CORP	MCD	1,407	$430,007	0.22%
52	FIRST TR EXCHANGE-TRADED FD	33734H106	9,030	$416,093	0.21%
53	ISHARES TR	464287580	3,978	$410,248	0.21%
54	VANGUARD INDEX FDS	922908595	1,332	$402,270	0.20%
55	PALO ALTO NETWORKS INC	PANW	2,170	$399,714	0.20%
56	SCHWAB STRATEGIC TR	808524607	13,293	$378,598	0.19%
57	ISHARES TR	464288760	1,752	$376,081	0.19%
58	VANGUARD WORLD FD	921910816	891	$367,613	0.19%
59	VANGUARD BD INDEX FDS	92203C303	7,279	$362,764	0.18%
60	ISHARES TR	464287473	2,544	$358,776	0.18%
61	VICTORY PORTFOLIOS II	92647N535	6,935	$352,572	0.18%
62	WSFS FINL CORP	929328102	6,195	$342,239	0.17%
63	GLOBAL X FDS	37954Y673	7,027	$335,817	0.17%
64	DEERE & CO	DE	714	$332,466	0.17%
65	HOME DEPOT INC	HD	949	$326,688	0.16%
66	BOEING CO	BA-PA	1,455	$315,993	0.16%
67	INTERNATIONAL BUSINESS MACHS	INTR	1,050	$311,068	0.16%
68	DELL TECHNOLOGIES INC	DELL	2,438	$306,938	0.15%
69	VANGUARD WHITEHALL FDS	921946406	2,062	$296,004	0.15%
70	VANGUARD BD INDEX FDS	921937819	3,752	$292,168	0.15%
71	FIDELITY COVINGTON TRUST	316092840	5,103	$289,286	0.15%
72	COSTCO WHSL CORP NEW	22160K105	334	$288,229	0.15%
73	LOWES COS INC	548661107	1,191	$287,333	0.14%
74	FIDELITY MERRIMACK STR TR	316188606	6,578	$285,674	0.14%
75	ISHARES TR	464287150	1,899	$282,346	0.14%
76	VANGUARD INTL EQUITY INDEX F	922042858	5,082	$273,222	0.14%
77	CATERPILLAR INC	CAT	471	$269,731	0.14%
78	ISHARES TR	464287200	389	$266,633	0.13%
79	BERKSHIRE HATHAWAY INC DEL	BRK-A	524	$263,389	0.13%
80	PALANTIR TECHNOLOGIES INC	PLTR	1,475	$262,181	0.13%
81	HCA HEALTHCARE INC	HCA	558	$260,344	0.13%
82	NORFOLK SOUTHN CORP	655844108	899	$259,657	0.13%
83	ISHARES TR	46434V621	3,551	$246,539	0.12%
84	NEXTERA ENERGY INC	NEE-PW	3,059	$245,577	0.12%
85	ISHARES TR	46429B689	2,839	$244,864	0.12%
86	VANGUARD WHITEHALL FDS	921946810	2,653	$242,646	0.12%
87	META PLATFORMS INC	META	362	$238,979	0.12%
88	VANGUARD WORLD FD	92204A702	315	$237,173	0.12%
89	CORMEDIX INC	CRMD	20,000	$232,600	0.12%
90	PROCTER AND GAMBLE CO	742718109	1,608	$230,442	0.12%
91	ROUNDHILL ETF TRUST	77926X858	4,248	$229,012	0.12%
92	PEPSICO INC	PEP	1,587	$227,774	0.11%
93	JPMORGAN CHASE & CO.	VYLD	705	$227,094	0.11%
94	INVESCO EXCHANGE TRADED FD T	IVZ	2,894	$216,419	0.11%
95	T ROWE PRICE ETF INC	87283Q701	4,330	$215,828	0.11%
96	J P MORGAN EXCHANGE TRADED F	46654Q773	4,103	$214,736	0.11%
97	ACNB CORP	ACNB	4,433	$214,336	0.11%
98	BLACKSTONE INC	BX	1,382	$212,960	0.11%
99	ALPHABET INC	GOOG	665	$208,624	0.11%
100	AGNC INVT CORP	00123Q104	12,469	$133,664	0.07%
101	CAPITAL SOUTHWEST CORP	CSWC	50,000	$49,702	0.03%