13F HOLDINGS REPORT

Sterling Financial Planning, Inc.

Quarter ended Q3 2025 · Filed October 24, 2025 · Accession 0001844278-25-000002

Total Value

$317.1M

Positions

116

Other Managers

Confidential Omitted

View on SEC.gov

Holdings (116)

#	Issuer	Ticker / CUSIP	Shares	Value	% of Filing
1	ISHARES GOLD TR	IAU	273,359	$19.9M	6.27%
2	ISHARES TR	464287705	147,868	$19.2M	6.05%
3	ISHARES TR	464287309	148,099	$17.9M	5.64%
4	ISHARES TR	464287887	124,178	$17.6M	5.54%
5	ISHARES TR	464287606	180,213	$17.3M	5.45%
6	DIMENSIONAL ETF TRUST	25434V807	316,690	$14.6M	4.61%
7	SCHWAB STRATEGIC TR	808524771	423,993	$11.2M	3.52%
8	VANGUARD WHITEHALL FDS	921946406	76,746	$10.8M	3.41%
9	DIMENSIONAL ETF TRUST	25434V781	294,935	$10.5M	3.32%
10	DIMENSIONAL ETF TRUST	25434V815	280,173	$8.9M	2.81%
11	ISHARES TR	464287879	79,243	$8.8M	2.76%
12	VANGUARD BD INDEX FDS	921937819	109,556	$8.6M	2.70%
13	ISHARES TR	464287200	12,620	$8.4M	2.66%
14	INNOVATOR ETFS TRUST	INHD	267,275	$8.4M	2.64%
15	DIMENSIONAL ETF TRUST	25434V856	139,163	$5.9M	1.85%
16	DIMENSIONAL ETF TRUST	25434V740	178,056	$5.7M	1.79%
17	DIMENSIONAL ETF TRUST	25434V658	206,621	$5.6M	1.78%
18	ISHARES TR	464287408	23,140	$4.8M	1.51%
19	ISHARES TR	464287507	71,142	$4.6M	1.46%
20	ISHARES TR	464288885	40,711	$4.6M	1.46%
21	SPDR GOLD TR	GLD	12,419	$4.4M	1.39%
22	INVESCO QQQ TR	IVZ	7,208	$4.3M	1.36%
23	ISHARES TR	46429B267	181,895	$4.2M	1.33%
24	VANGUARD BD INDEX FDS	921937827	50,770	$4.0M	1.26%
25	APPLE INC	AAPL	15,578	$4.0M	1.25%
26	VANGUARD INDEX FDS	922908512	20,555	$3.6M	1.13%
27	VANGUARD SCOTTSDALE FDS	92206C409	41,805	$3.3M	1.05%
28	VANGUARD MUN BD FDS	922907746	64,624	$3.2M	1.02%
29	VANGUARD INDEX FDS	922908538	10,722	$3.2M	0.99%
30	VANGUARD WELLINGTON FD	921935870	30,144	$3.1M	0.97%
31	ISHARES TR	464288448	82,534	$3.0M	0.95%
32	VANGUARD INDEX FDS	922908553	30,992	$2.8M	0.89%
33	SCHWAB STRATEGIC TR	808524748	57,766	$2.6M	0.81%
34	VANGUARD INDEX FDS	922908595	8,164	$2.4M	0.77%
35	VANGUARD INDEX FDS	922908611	11,464	$2.4M	0.75%
36	VANGUARD MALVERN FDS	922020805	46,232	$2.3M	0.74%
37	VANGUARD CHARLOTTE FDS	92203J407	47,212	$2.3M	0.74%
38	WISDOMTREE TR	WT	39,875	$2.3M	0.72%
39	JOHNSON & JOHNSON	JNJ	10,315	$1.9M	0.60%
40	VANGUARD TAX-MANAGED FDS	921943858	30,022	$1.8M	0.57%
41	MICROSOFT CORP	MSFT	3,414	$1.8M	0.56%
42	ISHARES TR	464288414	16,502	$1.8M	0.55%
43	SPDR S&P 500 ETF TR	SPY	2,513	$1.7M	0.53%
44	ISHARES TR	464287176	14,404	$1.6M	0.51%
45	INVESCO EXCHANGE TRADED FD T	IVZ	32,636	$1.5M	0.47%
46	EXXON MOBIL CORP	XOM	13,070	$1.5M	0.46%
47	ISHARES TR	464288273	18,137	$1.4M	0.44%
48	ISHARES TR	464287804	11,286	$1.3M	0.42%
49	BERKSHIRE HATHAWAY INC DEL	BRK-A	2,282	$1.1M	0.36%
50	DIMENSIONAL ETF TRUST	25434V823	46,497	$1.1M	0.35%
51	SELECTIVE INS GROUP INC	816300107	11,418	$925,657	0.29%
52	DIMENSIONAL ETF TRUST	25434V666	26,816	$882,246	0.28%
53	RTX CORPORATION	RTX	5,242	$877,144	0.28%
54	VANGUARD INDEX FDS	922908736	1,732	$830,448	0.26%
55	REALTY INCOME CORP	O	12,791	$777,586	0.25%
56	DIMENSIONAL ETF TRUST	25434V401	10,645	$771,153	0.24%
57	META PLATFORMS INC	META	1,018	$747,616	0.24%
58	INNOVATOR ETFS TRUST	INHD	15,757	$721,592	0.23%
59	INTERNATIONAL BUSINESS MACHS	INTR	2,415	$681,317	0.21%
60	3M CO	MMM	4,367	$677,743	0.21%
61	ALPHABET INC	GOOG	2,751	$668,768	0.21%
62	VANGUARD SPECIALIZED FUNDS	921908844	2,963	$639,444	0.20%
63	JPMORGAN CHASE & CO.	VYLD	1,986	$626,444	0.20%
64	INVESCO EXCHANGE TRADED FD T	IVZ	13,310	$604,557	0.19%
65	ELI LILLY & CO	LLY	784	$598,405	0.19%
66	INVESCO EXCHANGE TRADED FD T	IVZ	3,099	$587,876	0.19%
67	VANGUARD INDEX FDS	922908629	1,872	$549,744	0.17%
68	SPDR SERIES TRUST	78464A839	6,521	$543,914	0.17%
69	VANGUARD BD INDEX FDS	921937835	7,294	$542,455	0.17%
70	COSTCO WHSL CORP NEW	22160K105	583	$539,975	0.17%
71	AMAZON COM INC	AMZN	2,457	$539,483	0.17%
72	SCHWAB STRATEGIC TR	808524706	15,650	$522,257	0.16%
73	PROVIDENT FINL SVCS INC	74386T105	26,039	$502,032	0.16%
74	PEPSICO INC	PEP	3,172	$445,471	0.14%
75	PROCTER AND GAMBLE CO	742718109	2,872	$441,283	0.14%
76	ALPHABET INC	GOOG	1,780	$433,519	0.14%
77	ISHARES TR	464288281	4,168	$396,728	0.13%
78	DEERE & CO	DE	837	$382,727	0.12%
79	GENERAL DYNAMICS CORP	GD	1,116	$380,466	0.12%
80	DIMENSIONAL ETF TRUST	25434V773	11,562	$365,692	0.12%
81	VANGUARD INTL EQUITY INDEX F	922042858	6,482	$351,215	0.11%
82	ISHARES TR	46432F339	1,790	$348,165	0.11%
83	HOME DEPOT INC	HD	855	$346,291	0.11%
84	NVIDIA CORPORATION	NVDA	1,839	$343,190	0.11%
85	CHEVRON CORP NEW	CVX	2,128	$330,426	0.10%
86	TESLA INC	TSLA	738	$328,203	0.10%
87	COHEN & STEERS ETF TRUST	19249U104	11,957	$311,480	0.10%
88	INNOVATOR ETFS TRUST	INHD	7,913	$311,036	0.10%
89	ABBVIE INC	ABBV	1,322	$306,096	0.10%
90	CARRIER GLOBAL CORPORATION	CARR	5,027	$300,112	0.09%
91	LOWES COS INC	548661107	1,174	$295,038	0.09%
92	INNOVATOR ETFS TRUST	INHD	7,745	$293,244	0.09%
93	MCDONALDS CORP	MCD	964	$292,924	0.09%
94	VANGUARD INDEX FDS	922908769	860	$282,260	0.09%
95	GE AEROSPACE	369604301	930	$279,789	0.09%
96	ORACLE CORP	ORCL-PD	994	$279,553	0.09%
97	VERIZON COMMUNICATIONS INC	VZ	6,340	$278,626	0.09%
98	PUBLIC SVC ENTERPRISE GRP IN	744573106	3,331	$277,978	0.09%
99	GUINNESS ATKINSON FDS	402031835	8,876	$276,266	0.09%
100	ISHARES TR	464287168	1,922	$273,072	0.09%
101	INVESCO EXCH TRADED FD TR II	IVZ	8,060	$271,205	0.09%
102	MERCK & CO INC	MRK	3,014	$252,965	0.08%
103	BECTON DICKINSON & CO	BDX	1,347	$252,078	0.08%
104	CALAMOS ETF TR	12811T803	9,447	$251,149	0.08%
105	SCHWAB STRATEGIC TR	808524102	9,669	$248,589	0.08%
106	VANGUARD SCOTTSDALE FDS	92206C714	2,762	$246,867	0.08%
107	EVERSOURCE ENERGY	ES	3,452	$245,575	0.08%
108	SPDR SERIES TRUST	78464A821	2,645	$242,146	0.08%
109	ENTERPRISE PRODS PARTNERS L	293792107	7,476	$233,764	0.07%
110	OTIS WORLDWIDE CORP	OTIS	2,513	$229,764	0.07%
111	ISHARES TR	464288810	3,628	$217,980	0.07%
112	ISHARES TR	464287622	589	$215,268	0.07%
113	CALAMOS ETF TR	12811T886	8,018	$214,197	0.07%
114	CALAMOS ETF TR	12811T787	8,446	$208,406	0.07%
115	PRUDENTIAL FINL INC	PUKPF	1,989	$206,351	0.07%
116	BLACKROCK ENHANCED EQUITY DI	BLK	13,831	$126,000	0.04%