13F HOLDINGS REPORT

Sterling Financial Planning, Inc.

Quarter ended Q2 2025 · Filed July 28, 2025 · Accession 0001085146-25-004184

Total Value

$299.3M

Positions

116

Other Managers

Confidential Omitted

View on SEC.gov

Holdings (116)

#	Issuer	Ticker / CUSIP	Shares	Value	% of Filing
1	ISHARES TR	464287705	146,424	$18.1M	6.05%
2	ISHARES GOLD TR	IAU	279,688	$17.4M	5.83%
3	ISHARES TR	464287309	155,540	$17.1M	5.72%
4	ISHARES TR	464287887	123,791	$16.5M	5.50%
5	ISHARES TR	464287606	178,234	$16.2M	5.42%
6	DIMENSIONAL ETF TRUST	25434V807	321,412	$13.8M	4.60%
7	SCHWAB STRATEGIC TR	808524771	434,117	$10.7M	3.56%
8	VANGUARD WHITEHALL FDS	921946406	75,194	$10.0M	3.35%
9	DIMENSIONAL ETF TRUST	25434V781	298,114	$9.8M	3.28%
10	DIMENSIONAL ETF TRUST	25434V815	277,710	$8.2M	2.73%
11	VANGUARD BD INDEX FDS	921937819	105,275	$8.1M	2.72%
12	ISHARES TR	464287879	80,647	$8.0M	2.68%
13	INNOVATOR ETFS TRUST	INHD	261,717	$7.9M	2.64%
14	ISHARES TR	464287200	12,596	$7.8M	2.61%
15	DIMENSIONAL ETF TRUST	25434V740	185,640	$5.6M	1.86%
16	DIMENSIONAL ETF TRUST	25434V856	132,599	$5.5M	1.85%
17	DIMENSIONAL ETF TRUST	25434V658	202,568	$5.4M	1.82%
18	ISHARES TR	464288885	41,762	$4.7M	1.56%
19	ISHARES TR	464287408	23,272	$4.5M	1.52%
20	ISHARES TR	464287507	71,504	$4.4M	1.48%
21	ISHARES TR	46429B267	178,923	$4.1M	1.37%
22	SPDR GOLD TR	GLD	12,904	$3.9M	1.31%
23	INVESCO QQQ TR	IVZ	6,843	$3.8M	1.26%
24	VANGUARD BD INDEX FDS	921937827	47,106	$3.7M	1.24%
25	VANGUARD INDEX FDS	922908512	20,329	$3.3M	1.12%
26	APPLE INC	AAPL	15,611	$3.2M	1.07%
27	VANGUARD INDEX FDS	922908538	11,023	$3.1M	1.05%
28	VANGUARD MUN BD FDS	922907746	62,933	$3.1M	1.03%
29	ISHARES TR	464288448	87,308	$3.0M	1.01%
30	VANGUARD WELLINGTON FD	921935870	29,326	$3.0M	0.99%
31	VANGUARD INDEX FDS	922908553	32,296	$2.9M	0.96%
32	VANGUARD SCOTTSDALE FDS	92206C409	35,817	$2.8M	0.95%
33	SCHWAB STRATEGIC TR	808524748	62,524	$2.6M	0.88%
34	VANGUARD INDEX FDS	922908595	8,278	$2.3M	0.77%
35	VANGUARD INDEX FDS	922908611	11,753	$2.3M	0.77%
36	WISDOMTREE TR	WT	40,095	$2.2M	0.74%
37	VANGUARD MALVERN FDS	922020805	43,985	$2.2M	0.74%
38	VANGUARD CHARLOTTE FDS	92203J407	44,228	$2.2M	0.73%
39	JOHNSON & JOHNSON	JNJ	12,293	$1.9M	0.63%
40	ISHARES TR	464288414	17,278	$1.8M	0.60%
41	MICROSOFT CORP	MSFT	3,596	$1.8M	0.60%
42	VANGUARD TAX-MANAGED FDS	921943858	31,231	$1.8M	0.59%
43	ISHARES TR	464287176	15,566	$1.7M	0.57%
44	SPDR S&P 500 ETF TR	SPY	2,621	$1.6M	0.54%
45	INVESCO EXCHANGE TRADED FD T	IVZ	33,849	$1.4M	0.48%
46	ISHARES TR	464288273	19,422	$1.4M	0.47%
47	EXXON MOBIL CORP	XOM	13,041	$1.4M	0.47%
48	ISHARES TR	464287804	11,367	$1.2M	0.42%
49	BERKSHIRE HATHAWAY INC DEL	BRK-A	2,282	$1.1M	0.37%
50	DIMENSIONAL ETF TRUST	25434V823	46,375	$1.1M	0.36%
51	RTX CORPORATION	RTX	12,657	$995,376	0.33%
52	SELECTIVE INS GROUP INC	816300107	11,418	$989,370	0.33%
53	DIMENSIONAL ETF TRUST	25434V666	31,344	$972,291	0.32%
54	VANGUARD INDEX FDS	922908736	1,793	$786,270	0.26%
55	META PLATFORMS INC	META	1,052	$776,395	0.26%
56	REALTY INCOME CORP	O	12,775	$735,952	0.25%
57	INTERNATIONAL BUSINESS MACHS	INTR	2,483	$731,993	0.24%
58	DIMENSIONAL ETF TRUST	25434V401	10,698	$717,006	0.24%
59	INNOVATOR ETFS TRUST	INHD	16,260	$716,253	0.24%
60	COSTCO WHSL CORP NEW	22160K105	712	$705,138	0.24%
61	3M CO	MMM	4,367	$664,761	0.22%
62	VANGUARD SPECIALIZED FUNDS	921908844	3,116	$637,730	0.21%
63	ELI LILLY & CO	LLY	784	$611,337	0.20%
64	JPMORGAN CHASE & CO.	VYLD	2,018	$585,038	0.20%
65	VANGUARD BD INDEX FDS	921937835	7,884	$580,499	0.19%
66	INVESCO EXCHANGE TRADED FD T	IVZ	3,126	$568,115	0.19%
67	INVESCO EXCHANGE TRADED FD T	IVZ	13,917	$565,986	0.19%
68	VANGUARD INDEX FDS	922908629	1,906	$533,377	0.18%
69	AMAZON COM INC	AMZN	2,407	$528,072	0.18%
70	SPDR SERIES TRUST	78464A839	6,519	$517,829	0.17%
71	ALPHABET INC	GOOG	2,774	$488,862	0.16%
72	SCHWAB STRATEGIC TR	808524706	16,208	$488,499	0.16%
73	PROVIDENT FINL SVCS INC	74386T105	26,544	$465,316	0.16%
74	PROCTER AND GAMBLE CO	742718109	2,872	$457,567	0.15%
75	DEERE & CO	DE	842	$428,149	0.14%
76	PEPSICO INC	PEP	3,170	$418,556	0.14%
77	ISHARES TR	464288281	4,157	$384,983	0.13%
78	CARRIER GLOBAL CORPORATION	CARR	5,027	$367,926	0.12%
79	DIMENSIONAL ETF TRUST	25434V773	11,677	$348,446	0.12%
80	ALPHABET INC	GOOG	1,880	$333,493	0.11%
81	ISHARES TR	46432F339	1,818	$332,316	0.11%
82	CALAMOS ETF TR	12811T787	13,451	$324,856	0.11%
83	GENERAL DYNAMICS CORP	GD	1,111	$324,153	0.11%
84	HOME DEPOT INC	HD	853	$312,617	0.10%
85	VANGUARD INTL EQUITY INDEX F	922042858	6,264	$309,832	0.10%
86	NVIDIA CORPORATION	NVDA	1,930	$304,970	0.10%
87	CHEVRON CORP NEW	CVX	2,127	$304,524	0.10%
88	INNOVATOR ETFS TRUST	INHD	8,103	$303,243	0.10%
89	ORACLE CORP	ORCL-PD	1,387	$303,240	0.10%
90	MCDONALDS CORP	MCD	1,000	$292,140	0.10%
91	INNOVATOR ETFS TRUST	INHD	7,745	$284,551	0.10%
92	ROYAL CARIBBEAN GROUP	V7780T103	900	$281,826	0.09%
93	PUBLIC SVC ENTERPRISE GRP IN	744573106	3,331	$280,376	0.09%
94	VERIZON COMMUNICATIONS INC	VZ	6,340	$274,316	0.09%
95	GUINNESS ATKINSON FDS	402031835	8,876	$273,248	0.09%
96	INVESCO EXCH TRADED FD TR II	IVZ	7,926	$261,386	0.09%
97	LOWES COS INC	548661107	1,174	$260,475	0.09%
98	ISHARES TR	464287168	1,922	$255,219	0.09%
99	ABBVIE INC	ABBV	1,352	$250,958	0.08%
100	OTIS WORLDWIDE CORP	OTIS	2,513	$248,837	0.08%
101	CALAMOS ETF TR	12811T803	9,447	$246,283	0.08%
102	GE AEROSPACE	369604301	930	$239,395	0.08%
103	MERCK & CO INC	MRK	3,014	$238,588	0.08%
104	BECTON DICKINSON & CO	BDX	1,372	$236,368	0.08%
105	TESLA INC	TSLA	738	$234,433	0.08%
106	VANGUARD SCOTTSDALE FDS	92206C714	2,750	$234,307	0.08%
107	SCHWAB STRATEGIC TR	808524102	9,641	$229,745	0.08%
108	SPDR SERIES TRUST	78464A821	2,644	$229,706	0.08%
109	ISHARES TR	464288810	3,626	$227,144	0.08%
110	EVERSOURCE ENERGY	ES	3,452	$219,616	0.07%
111	LAM RESEARCH CORP	LRCX	2,220	$216,095	0.07%
112	PRUDENTIAL FINL INC	PUKPF	1,987	$213,498	0.07%
113	VANGUARD INDEX FDS	922908769	694	$210,949	0.07%
114	CALAMOS ETF TR	12811T886	8,018	$209,367	0.07%
115	ISHARES TR	464287622	589	$200,007	0.07%
116	BLACKROCK ENHANCED EQUITY DI	BLK	13,831	$122,958	0.04%