13F HOLDINGS REPORT

Sterling Financial Planning, Inc.

Quarter ended Q1 2025 · Filed April 29, 2025 · Accession 0001085146-25-002403

Total Value

$275.7M

Positions

109

Other Managers

Confidential Omitted

View on SEC.gov

Holdings (109)

#	Issuer	Ticker / CUSIP	Shares	Value	% of Filing
1	ISHARES GOLD TR	IAU	304,027	$17.9M	6.50%
2	ISHARES TR	464287705	139,790	$16.7M	6.07%
3	ISHARES TR	464287887	117,936	$14.7M	5.33%
4	ISHARES TR	464287606	174,554	$14.5M	5.27%
5	ISHARES TR	464287309	154,375	$14.3M	5.20%
6	DIMENSIONAL ETF TRUST	25434V807	315,493	$12.4M	4.50%
7	SCHWAB STRATEGIC TR	808524771	408,307	$9.6M	3.50%
8	VANGUARD WHITEHALL FDS	921946406	71,305	$9.2M	3.33%
9	DIMENSIONAL ETF TRUST	25434V781	289,717	$8.4M	3.06%
10	ISHARES TR	464287879	80,080	$7.8M	2.83%
11	VANGUARD BD INDEX FDS	921937819	101,426	$7.8M	2.82%
12	ISHARES TR	464287200	12,587	$7.1M	2.57%
13	INNOVATOR ETFS TRUST	INHD	249,942	$7.1M	2.56%
14	DIMENSIONAL ETF TRUST	25434V815	232,928	$6.6M	2.38%
15	DIMENSIONAL ETF TRUST	25434V856	125,011	$5.3M	1.91%
16	DIMENSIONAL ETF TRUST	25434V658	187,091	$4.9M	1.78%
17	DIMENSIONAL ETF TRUST	25434V740	175,669	$4.8M	1.72%
18	ISHARES TR	464287408	23,384	$4.5M	1.62%
19	ISHARES TR	464288885	41,934	$4.2M	1.52%
20	ISHARES TR	464287507	71,761	$4.2M	1.52%
21	ISHARES TR	46429B267	177,861	$4.1M	1.48%
22	SPDR GOLD TR	GLD	13,923	$4.0M	1.45%
23	VANGUARD BD INDEX FDS	921937827	47,328	$3.7M	1.34%
24	APPLE INC	AAPL	15,612	$3.5M	1.26%
25	INVESCO QQQ TR	IVZ	6,760	$3.2M	1.15%
26	VANGUARD INDEX FDS	922908512	19,655	$3.2M	1.14%
27	VANGUARD MUN BD FDS	922907746	62,394	$3.1M	1.12%
28	VANGUARD INDEX FDS	922908553	32,302	$2.9M	1.06%
29	ISHARES TR	464288448	92,480	$2.9M	1.04%
30	VANGUARD WELLINGTON FD	921935870	28,424	$2.9M	1.04%
31	VANGUARD SCOTTSDALE FDS	92206C409	34,376	$2.7M	0.98%
32	SCHWAB STRATEGIC TR	808524748	64,819	$2.3M	0.85%
33	VANGUARD INDEX FDS	922908538	9,547	$2.3M	0.85%
34	VANGUARD INDEX FDS	922908611	11,729	$2.2M	0.79%
35	VANGUARD MALVERN FDS	922020805	42,196	$2.1M	0.76%
36	VANGUARD CHARLOTTE FDS	92203J407	42,919	$2.1M	0.76%
37	VANGUARD INDEX FDS	922908595	8,103	$2.0M	0.74%
38	JOHNSON & JOHNSON	JNJ	12,295	$2.0M	0.74%
39	WISDOMTREE TR	WT	39,954	$1.9M	0.70%
40	ISHARES TR	464288414	17,243	$1.8M	0.66%
41	ISHARES TR	464287176	15,876	$1.8M	0.64%
42	VANGUARD TAX-MANAGED FDS	921943858	32,599	$1.7M	0.60%
43	EXXON MOBIL CORP	XOM	13,355	$1.6M	0.58%
44	SPDR S&P 500 ETF TR	SPY	2,623	$1.5M	0.53%
45	MICROSOFT CORP	MSFT	3,688	$1.4M	0.50%
46	INVESCO EXCHANGE TRADED FD T	IVZ	33,870	$1.4M	0.50%
47	ISHARES TR	464288273	20,772	$1.3M	0.48%
48	BERKSHIRE HATHAWAY INC DEL	BRK-A	2,404	$1.3M	0.46%
49	ISHARES TR	464287804	11,380	$1.2M	0.43%
50	DIMENSIONAL ETF TRUST	25434V823	44,137	$1.0M	0.38%
51	SELECTIVE INS GROUP INC	816300107	11,418	$1.0M	0.38%
52	DIMENSIONAL ETF TRUST	25434V666	24,989	$763,914	0.28%
53	REALTY INCOME CORP	O	12,758	$740,074	0.27%
54	VANGUARD INDEX FDS	922908736	1,927	$714,755	0.26%
55	RTX CORPORATION	RTX	5,359	$709,853	0.26%
56	COSTCO WHSL CORP NEW	22160K105	726	$686,874	0.25%
57	INNOVATOR ETFS TRUST	INHD	16,323	$676,915	0.25%
58	ELI LILLY & CO	LLY	798	$659,212	0.24%
59	3M CO	MMM	4,366	$641,120	0.23%
60	INTERNATIONAL BUSINESS MACHS	INTR	2,484	$617,710	0.22%
61	META PLATFORMS INC	META	1,063	$612,457	0.22%
62	DIMENSIONAL ETF TRUST	25434V401	10,123	$612,260	0.22%
63	VANGUARD SPECIALIZED FUNDS	921908844	3,116	$604,452	0.22%
64	VANGUARD BD INDEX FDS	921937835	8,086	$593,917	0.22%
65	BECTON DICKINSON & CO	BDX	2,552	$584,480	0.21%
66	PROCTER AND GAMBLE CO	742718109	3,270	$557,273	0.20%
67	INVESCO EXCHANGE TRADED FD T	IVZ	3,126	$541,513	0.20%
68	PROVIDENT FINL SVCS INC	74386T105	31,474	$540,409	0.20%
69	INVESCO EXCHANGE TRADED FD T	IVZ	14,106	$534,062	0.19%
70	JPMORGAN CHASE & CO.	VYLD	2,139	$524,697	0.19%
71	SPDR SER TR	78464A839	6,517	$502,170	0.18%
72	SCHWAB STRATEGIC TR	808524706	18,023	$496,883	0.18%
73	VANGUARD INDEX FDS	922908629	1,914	$495,018	0.18%
74	PEPSICO INC	PEP	3,282	$492,065	0.18%
75	ALPHABET INC	GOOG	2,870	$443,817	0.16%
76	AMAZON COM INC	AMZN	2,306	$438,740	0.16%
77	DEERE & CO	DE	884	$414,905	0.15%
78	ISHARES TR	464288281	4,369	$395,821	0.14%
79	DIMENSIONAL ETF TRUST	25434V773	13,452	$347,610	0.13%
80	CHEVRON CORP NEW	CVX	2,027	$339,048	0.12%
81	HOME DEPOT INC	HD	878	$321,882	0.12%
82	CARRIER GLOBAL CORPORATION	CARR	5,027	$318,712	0.12%
83	ISHARES TR	46432F339	1,817	$310,581	0.11%
84	GENERAL DYNAMICS CORP	GD	1,106	$301,608	0.11%
85	MCDONALDS CORP	MCD	950	$296,714	0.11%
86	ALPHABET INC	GOOG	1,880	$293,712	0.11%
87	VERIZON COMMUNICATIONS INC	VZ	6,362	$288,580	0.10%
88	ABBVIE INC	ABBV	1,352	$283,271	0.10%
89	PUBLIC SVC ENTERPRISE GRP IN	744573106	3,439	$283,003	0.10%
90	VANGUARD INTL EQUITY INDEX F	922042858	6,249	$282,844	0.10%
91	INNOVATOR ETFS TRUST	INHD	8,103	$280,526	0.10%
92	MERCK & CO INC	MRK	3,068	$275,384	0.10%
93	LOWES COS INC	548661107	1,174	$273,812	0.10%
94	INNOVATOR ETFS TRUST	INHD	7,745	$270,378	0.10%
95	CALAMOS ETF TR	12811T787	11,317	$264,716	0.10%
96	ISHARES TR	464287168	1,934	$259,675	0.09%
97	OTIS WORLDWIDE CORP	OTIS	2,513	$259,342	0.09%
98	GUINNESS ATKINSON FDS	402031835	8,876	$259,185	0.09%
99	ENTERPRISE PRODS PARTNERS L	293792107	7,356	$251,151	0.09%
100	CALAMOS ETF TR	12811T803	9,447	$234,413	0.09%
101	INVESCO EXCH TRADED FD TR II	IVZ	7,792	$233,280	0.08%
102	VANGUARD SCOTTSDALE FDS	92206C714	2,724	$224,847	0.08%
103	PRUDENTIAL FINL INC	PUKPF	1,985	$221,706	0.08%
104	ISHARES TR	464288810	3,624	$218,152	0.08%
105	EVERSOURCE ENERGY	ES	3,452	$214,404	0.08%
106	SPDR SER TR	78464A821	2,644	$210,069	0.08%
107	SCHWAB STRATEGIC TR	808524102	9,613	$206,958	0.08%
108	NVIDIA CORPORATION	NVDA	1,852	$200,742	0.07%
109	BLACKROCK ENHANCED EQUITY DI	BLK	13,831	$118,947	0.04%