13F HOLDINGS REPORT

XY Planning Network, Inc.

Quarter ended Q4 2025 · Filed January 26, 2026 · Accession 0001754960-26-000116

Total Value

$573.8M

Positions

248

Other Managers

Confidential Omitted

View on SEC.gov

Holdings (248)

#	Issuer	Ticker / CUSIP	Shares	Value	% of Filing
1	VANGUARD INDEX FDS	922908769	114,709	$38.5M	6.70%
2	DIMENSIONAL ETF TRUST	25434V708	917,707	$36.3M	6.33%
3	VANGUARD INDEX FDS	922908363	40,432	$25.4M	4.42%
4	DIMENSIONAL ETF TRUST	25434V799	478,664	$16.5M	2.87%
5	VANGUARD TAX-MANAGED FDS	921943858	251,855	$15.7M	2.74%
6	VANGUARD SCOTTSDALE FDS	92206C870	186,690	$15.6M	2.72%
7	DIMENSIONAL ETF TRUST	25434V872	268,242	$11.4M	1.99%
8	VANGUARD STAR FDS	921909768	138,955	$10.5M	1.83%
9	SPDR S&P 500 ETF TR	SPY	14,610	$10.0M	1.74%
10	VANGUARD CHARLOTTE FDS	92203J407	203,212	$9.8M	1.71%
11	PIMCO ETF TR	72201R866	187,252	$9.8M	1.71%
12	SPDR SERIES TRUST	78464A847	167,277	$9.7M	1.69%
13	VANGUARD INTL EQUITY INDEX F	922042858	152,745	$8.2M	1.43%
14	DIMENSIONAL ETF TRUST	25434V658	310,046	$8.2M	1.43%
15	DIMENSIONAL ETF TRUST	25434V732	239,806	$7.9M	1.38%
16	DIMENSIONAL ETF TRUST	25434V401	106,107	$7.9M	1.37%
17	VANGUARD MALVERN FDS	922020805	143,100	$7.1M	1.23%
18	DIMENSIONAL ETF TRUST	25434V625	96,059	$7.1M	1.23%
19	VANGUARD INDEX FDS	922908736	14,346	$7.0M	1.22%
20	APPLE INC	AAPL	25,550	$6.9M	1.21%
21	ISHARES TR	464287200	10,021	$6.9M	1.20%
22	NVIDIA CORPORATION	NVDA	35,735	$6.7M	1.16%
23	INVESCO EXCHANGE TRADED FD T	IVZ	58,488	$6.0M	1.04%
24	AMERICAN CENTY ETF TR	025072802	63,728	$6.0M	1.04%
25	VANGUARD SCOTTSDALE FDS	92206C102	97,506	$5.7M	1.00%
26	SPDR SERIES TRUST	78464A672	188,809	$5.4M	0.95%
27	VANGUARD SCOTTSDALE FDS	92206C409	63,865	$5.1M	0.89%
28	SPDR SERIES TRUST	78468R853	105,459	$4.9M	0.86%
29	DIMENSIONAL ETF TRUST	25434V815	141,075	$4.6M	0.81%
30	SCHWAB STRATEGIC TR	808524839	198,341	$4.6M	0.81%
31	DIMENSIONAL ETF TRUST	25434V880	134,294	$4.4M	0.77%
32	TWO RDS SHARED TR	90214Q733	233,715	$4.0M	0.69%
33	VANGUARD INTL EQUITY INDEX F	922042742	27,941	$3.9M	0.69%
34	BLACKROCK ETF TRUST	BLK	61,222	$3.7M	0.65%
35	TIMOTHY PLAN	887432334	106,984	$3.7M	0.65%
36	DIMENSIONAL ETF TRUST	25434V864	74,951	$3.6M	0.63%
37	INVESCO EXCHANGE TRADED FD T	IVZ	47,251	$3.5M	0.62%
38	SPDR SERIES TRUST	78464A409	32,440	$3.5M	0.60%
39	SPDR SERIES TRUST	78464A854	41,795	$3.4M	0.58%
40	ISHARES TR	464287408	14,819	$3.1M	0.55%
41	FIDELITY MERRIMACK STR TR	316188309	65,969	$3.0M	0.53%
42	CME GROUP INC	CME	11,112	$3.0M	0.53%
43	DIMENSIONAL ETF TRUST	25434V609	50,770	$3.0M	0.53%
44	ISHARES TR	46434V647	120,869	$3.0M	0.53%
45	ISHARES TR	464287309	24,142	$3.0M	0.52%
46	ISHARES TR	46436E718	29,218	$2.9M	0.51%
47	DIMENSIONAL ETF TRUST	25434V831	77,012	$2.9M	0.51%
48	WISDOMTREE TR	WT	19,921	$2.9M	0.50%
49	NORTHERN LTS FD TR IV	NTRSO	11,131	$2.8M	0.48%
50	ISHARES TR	464287689	6,990	$2.7M	0.47%
51	VANGUARD INDEX FDS	922908744	13,983	$2.7M	0.47%
52	VANGUARD BD INDEX FDS	92203C303	51,465	$2.6M	0.45%
53	SCHWAB STRATEGIC TR	808524805	105,123	$2.5M	0.44%
54	ISHARES TR	464287150	16,494	$2.5M	0.43%
55	SCHWAB STRATEGIC TR	808524797	89,258	$2.4M	0.43%
56	AMERICAN CENTY ETF TR	025072877	23,869	$2.4M	0.42%
57	ANGEL OAK FUNDS TRUST	03463K752	46,993	$2.4M	0.42%
58	ISHARES INC	46434G764	32,041	$2.3M	0.41%
59	SCHWAB STRATEGIC TR	808524862	93,634	$2.3M	0.40%
60	VANECK ETF TRUST	92189F643	21,650	$2.2M	0.39%
61	DIMENSIONAL ETF TRUST	25434V781	58,971	$2.2M	0.39%
62	ISHARES TR	464288877	30,946	$2.2M	0.39%
63	ISHARES TR	464287663	21,542	$2.2M	0.38%
64	NUSHARES ETF TR	NU	49,271	$2.2M	0.38%
65	AMERICAN CENTY ETF TR	025072885	19,434	$2.2M	0.38%
66	INVESCO QQQ TR	IVZ	3,530	$2.2M	0.38%
67	ISHARES TR	46432F339	10,796	$2.1M	0.37%
68	ISHARES TR	46429B697	22,742	$2.1M	0.37%
69	ISHARES TR	46429B655	41,926	$2.1M	0.37%
70	TWO RDS SHARED TR	90214Q766	220,753	$2.1M	0.36%
71	DIMENSIONAL ETF TRUST	25434V716	46,884	$2.0M	0.35%
72	TIMOTHY PLAN	887432342	47,767	$2.0M	0.35%
73	INVESCO EXCHANGE TRADED FD T	IVZ	33,263	$2.0M	0.34%
74	ISHARES TR	46434V613	41,818	$1.9M	0.34%
75	ISHARES INC	46434G103	28,931	$1.9M	0.34%
76	DIMENSIONAL ETF TRUST	25434V583	35,768	$1.9M	0.34%
77	ISHARES INC	46434G863	43,352	$1.9M	0.33%
78	ALPHABET INC	GOOG	5,844	$1.8M	0.32%
79	ISHARES TR	46436E759	24,019	$1.8M	0.31%
80	ISHARES INC	464286525	15,191	$1.8M	0.31%
81	NUSHARES ETF TR	NU	18,207	$1.8M	0.31%
82	AMERICAN CENTY ETF TR	025072604	22,985	$1.8M	0.31%
83	PACER FDS TR	69374H105	30,909	$1.7M	0.30%
84	AMAZON COM INC	AMZN	7,391	$1.7M	0.30%
85	INVESCO EXCH TRD SLF IDX FD	IVZ	80,317	$1.7M	0.29%
86	DIMENSIONAL ETF TRUST	25434V591	32,661	$1.7M	0.29%
87	ISHARES TR	464288414	15,195	$1.6M	0.28%
88	INVESCO EXCH TRD SLF IDX FD	IVZ	81,922	$1.6M	0.28%
89	ISHARES INC	464286681	15,463	$1.6M	0.28%
90	INVESCO EXCH TRD SLF IDX FD	IVZ	80,600	$1.6M	0.27%
91	DIMENSIONAL ETF TRUST	25434V724	33,370	$1.6M	0.27%
92	WISDOMTREE TR	WT	31,768	$1.5M	0.27%
93	WISDOMTREE TR	WT	30,450	$1.5M	0.27%
94	BERKSHIRE HATHAWAY INC DEL	BRK-A	2	$1.5M	0.26%
95	BROADCOM INC	AVGO	4,361	$1.5M	0.26%
96	DIMENSIONAL ETF TRUST	25434V203	39,474	$1.5M	0.26%
97	DIMENSIONAL ETF TRUST	25434V849	30,636	$1.5M	0.26%
98	MICROSOFT CORP	MSFT	3,034	$1.5M	0.26%
99	INVESCO EXCH TRD SLF IDX FD	IVZ	75,480	$1.4M	0.25%
100	SCHWAB STRATEGIC TR	808524607	48,109	$1.4M	0.24%
101	ALPHABET INC	GOOG	4,317	$1.4M	0.24%
102	DIMENSIONAL ETF TRUST	25434V104	28,701	$1.3M	0.23%
103	ISHARES TR	46429B747	12,613	$1.3M	0.23%
104	BONDBLOXX ETF TRUST	09789C812	27,916	$1.3M	0.22%
105	ISHARES TR	46432F859	25,960	$1.3M	0.22%
106	VANGUARD MALVERN FDS	922020755	16,177	$1.3M	0.22%
107	SPDR INDEX SHS FDS	78463X475	16,195	$1.2M	0.22%
108	BERKSHIRE HATHAWAY INC DEL	BRK-A	2,462	$1.2M	0.22%
109	BLACKROCK ETF TRUST	BLK	36,418	$1.2M	0.21%
110	ISHARES TR	46435U853	32,385	$1.2M	0.21%
111	EA SERIES TRUST	02072L102	24,346	$1.2M	0.21%
112	EA SERIES TRUST	02072L409	18,071	$1.2M	0.21%
113	BLACKROCK ETF TRUST	BLK	29,812	$1.1M	0.20%
114	DIMENSIONAL ETF TRUST	25434V500	16,477	$1.1M	0.20%
115	ISHARES TR	464287507	17,230	$1.1M	0.20%
116	CBOE GLOBAL MKTS INC	12503M108	4,428	$1.1M	0.19%
117	EA SERIES TRUST	02072L631	48,023	$1.1M	0.19%
118	ISHARES TR	464287804	8,998	$1.1M	0.19%
119	DIMENSIONAL ETF TRUST	25434V856	24,527	$1.0M	0.18%
120	ISHARES TR	46435G516	10,703	$1.0M	0.18%
121	INVESCO EXCHANGE TRADED FD T	IVZ	5,277	$1.0M	0.18%
122	BLACKROCK ETF TRUST II	BLK	18,804	$992,287	0.17%
123	ISHARES TR	464288646	18,711	$989,429	0.17%
124	INVESCO EXCH TRADED FD TR II	IVZ	7,997	$954,202	0.17%
125	INVESCO EXCH TRD SLF IDX FD	IVZ	56,366	$953,707	0.17%
126	ISHARES TR	46435G425	6,340	$944,533	0.16%
127	WALMART INC	WMT	8,182	$911,543	0.16%
128	ISHARES TR	464288588	9,539	$908,304	0.16%
129	VANGUARD INDEX FDS	922908512	5,082	$901,419	0.16%
130	JPMORGAN CHASE & CO.	VYLD	2,674	$861,489	0.15%
131	WISDOMTREE TR	WT	13,755	$847,583	0.15%
132	ISHARES TR	46435G433	19,426	$841,749	0.15%
133	SPDR SERIES TRUST	78464A821	8,983	$830,299	0.14%
134	SELECT SECTOR SPDR TR	81369Y209	5,335	$825,882	0.14%
135	ISHARES TR	464287457	9,936	$822,900	0.14%
136	VANGUARD INDEX FDS	922908595	2,702	$816,301	0.14%
137	NUSHARES ETF TR	NU	18,096	$815,259	0.14%
138	VANGUARD INDEX FDS	922908637	2,418	$761,240	0.13%
139	J P MORGAN EXCHANGE TRADED F	46641Q332	13,118	$750,874	0.13%
140	DIMENSIONAL ETF TRUST	25434V807	14,919	$744,458	0.13%
141	DUKE ENERGY CORP NEW	DUKB	6,293	$737,621	0.13%
142	VISA INC	V	2,053	$719,916	0.13%
143	WORLD GOLD TR	GLDW	8,340	$711,986	0.12%
144	SPDR SERIES TRUST	78468R663	7,756	$708,747	0.12%
145	VANGUARD WHITEHALL FDS	921946406	4,750	$681,720	0.12%
146	NORTHERN LTS FD TR IV	NTRSO	14,982	$676,153	0.12%
147	ISHARES TR	464287440	6,850	$658,663	0.11%
148	SPDR INDEX SHS FDS	78463X509	14,031	$656,791	0.11%
149	VANGUARD INDEX FDS	922908611	2,995	$634,310	0.11%
150	ISHARES TR	46435G672	12,572	$628,726	0.11%
151	J P MORGAN EXCHANGE TRADED F	46641Q837	12,426	$628,619	0.11%
152	WISDOMTREE TR	WT	6,712	$626,230	0.11%
153	EA SERIES TRUST	02072L300	16,375	$624,215	0.11%
154	ISHARES TR	46435U440	12,873	$617,085	0.11%
155	ISHARES TR	46432F842	6,853	$613,031	0.11%
156	CATERPILLAR INC	CAT	1,068	$611,825	0.11%
157	COSTCO WHSL CORP NEW	22160K105	690	$595,336	0.10%
158	EA SERIES TRUST	02072L201	18,756	$590,011	0.10%
159	ALTRIA GROUP INC	MO	10,204	$588,369	0.10%
160	DIMENSIONAL ETF TRUST	25434V690	13,379	$573,228	0.10%
161	WISDOMTREE TR	WT	14,607	$569,965	0.10%
162	EXXON MOBIL CORP	XOM	4,639	$558,291	0.10%
163	SSGA ACTIVE ETF TR	78467V103	17,710	$556,980	0.10%
164	SCHWAB STRATEGIC TR	808524854	22,207	$556,963	0.10%
165	J P MORGAN EXCHANGE TRADED F	46641Q670	11,641	$551,201	0.10%
166	META PLATFORMS INC	META	828	$546,783	0.10%
167	PROCTER AND GAMBLE CO	742718109	3,725	$533,830	0.09%
168	EA SERIES TRUST	02072L516	5,902	$529,861	0.09%
169	SPDR SERIES TRUST	78468R101	17,738	$519,369	0.09%
170	EA SERIES TRUST	02072L607	9,946	$509,946	0.09%
171	VANGUARD WORLD FD	921910691	7,987	$508,219	0.09%
172	JOHNSON & JOHNSON	JNJ	2,451	$507,145	0.09%
173	PIMCO ETF TR	72201R775	5,359	$498,780	0.09%
174	SCHWAB STRATEGIC TR	808524300	15,071	$491,616	0.09%
175	ISHARES TR	464287101	1,404	$481,585	0.08%
176	UNITEDHEALTH GROUP INC	UNH	1,433	$472,987	0.08%
177	PHILIP MORRIS INTL INC	718172109	2,929	$469,866	0.08%
178	TESLA INC	TSLA	1,044	$469,508	0.08%
179	VANGUARD WORLD FD	92204A702	619	$466,715	0.08%
180	SCHWAB STRATEGIC TR	808524847	22,040	$460,405	0.08%
181	GLOBAL X FDS	37960A529	6,946	$450,031	0.08%
182	MCDONALDS CORP	MCD	1,445	$441,635	0.08%
183	WASTE MGMT INC DEL	94106L109	1,937	$425,578	0.07%
184	EA SERIES TRUST	02072Q358	8,501	$419,355	0.07%
185	ISHARES TR	464287622	1,073	$400,697	0.07%
186	HOME DEPOT INC	HD	1,147	$394,587	0.07%
187	ISHARES TR	464287481	2,843	$389,320	0.07%
188	ISHARES TR	464287721	1,934	$386,181	0.07%
189	VANGUARD SCOTTSDALE FDS	92206C706	6,193	$371,133	0.06%
190	DIMENSIONAL ETF TRUST	25434V567	6,759	$366,593	0.06%
191	DIMENSIONAL ETF TRUST	25434V674	7,053	$365,345	0.06%
192	DIMENSIONAL ETF TRUST	25434V302	11,112	$361,923	0.06%
193	WISDOMTREE TR	WT	17,109	$361,847	0.06%
194	ISHARES U S ETF TR	46431W507	7,048	$360,153	0.06%
195	ISHARES TR	464288448	8,822	$348,028	0.06%
196	FIRST TR EXCHNG TRADED FD VI	33740U661	8,396	$347,013	0.06%
197	VANGUARD BD INDEX FDS	921937819	4,426	$344,674	0.06%
198	ISHARES TR	464287473	2,440	$344,162	0.06%
199	VANGUARD INDEX FDS	922908751	1,330	$343,074	0.06%
200	T ROWE PRICE ETF INC	87283Q305	7,428	$341,781	0.06%
201	AMERICAN CENTY ETF TR	025072372	5,855	$341,405	0.06%
202	ISHARES TR	46435G193	14,343	$335,397	0.06%
203	DIMENSIONAL ETF TRUST	25434V617	4,441	$328,549	0.06%
204	ISHARES TR	464288158	3,066	$327,151	0.06%
205	ORACLE CORP	ORCL-PD	1,663	$324,135	0.06%
206	EA SERIES TRUST	02072L565	2,813	$323,776	0.06%
207	INVESCO EXCH TRD SLF IDX FD	IVZ	19,317	$322,500	0.06%
208	FIDELITY COVINGTON TRUST	316092808	1,435	$322,401	0.06%
209	SPDR S&P MIDCAP 400 ETF TR	MDY	534	$322,152	0.06%
210	ISHARES TR	464288281	3,344	$321,960	0.06%
211	AMERICAN EXPRESS CO	AXP	869	$321,487	0.06%
212	MORGAN STANLEY	MS-PQ	1,808	$320,974	0.06%
213	ISHARES TR	464287465	3,338	$320,548	0.06%
214	VANECK ETF TRUST	92189F106	3,717	$318,807	0.06%
215	ISHARES TR	464289438	1,146	$317,373	0.06%
216	SPDR GOLD TR	GLD	784	$310,707	0.05%
217	JANUS DETROIT STR TR	47103U845	6,095	$308,285	0.05%
218	VANGUARD SPECIALIZED FUNDS	921908844	1,391	$305,714	0.05%
219	ISHARES TR	464287226	3,045	$304,099	0.05%
220	ABBVIE INC	ABBV	1,330	$303,820	0.05%
221	SCHWAB STRATEGIC TR	808524508	9,903	$297,769	0.05%
222	SPDR SERIES TRUST	78464A300	3,235	$294,270	0.05%
223	VANGUARD CALIF TAX FREE FDS	922021605	2,923	$293,060	0.05%
224	ISHARES GOLD TR	IAU	3,603	$292,456	0.05%
225	SPDR SERIES TRUST	78464A805	3,418	$281,985	0.05%
226	VANGUARD BD INDEX FDS	921937835	3,765	$278,892	0.05%
227	AMERICAN CENTY ETF TR	025072174	3,785	$278,273	0.05%
228	INNOVATOR ETFS TRUST	INHD	6,349	$274,658	0.05%
229	ISHARES TR	464288653	2,675	$271,967	0.05%
230	VANGUARD BD INDEX FDS	921937827	3,417	$269,294	0.05%
231	SSGA ACTIVE TR	78470P200	5,612	$265,335	0.05%
232	DIMENSIONAL ETF TRUST	25434V575	5,029	$264,701	0.05%
233	VANGUARD WHITEHALL FDS	921946885	3,803	$256,436	0.04%
234	ELI LILLY & CO	LLY	237	$254,699	0.04%
235	COCA COLA CO	KO	3,533	$246,992	0.04%
236	ISHARES TR	46432F396	949	$237,544	0.04%
237	VANGUARD INDEX FDS	922908553	2,593	$229,415	0.04%
238	DIMENSIONAL ETF TRUST	25434V765	7,232	$229,001	0.04%
239	ISHARES BITCOIN TRUST ETF	IBIT	4,607	$228,738	0.04%
240	J P MORGAN EXCHANGE TRADED F	46641Q159	4,858	$224,898	0.04%
241	DIMENSIONAL ETF TRUST	25434V682	5,421	$224,844	0.04%
242	SELECT SECTOR SPDR TR	81369Y308	2,764	$214,691	0.04%
243	MCKESSON CORP	MCK	261	$214,261	0.04%
244	SPDR SERIES TRUST	78464A284	8,421	$210,011	0.04%
245	NETFLIX INC	NFLX	2,232	$209,272	0.04%
246	FIFTH THIRD BANCORP	FITBM	4,464	$208,960	0.04%
247	AMPLIFY ETF TR	032108888	6,400	$207,808	0.04%
248	SPDR INDEX SHS FDS	78463X152	2,992	$202,947	0.04%