13F HOLDINGS REPORT

Sterling Financial Planning, Inc.

Quarter ended Q4 2025 · Filed January 27, 2026 · Accession 0001844278-26-000001

Total Value

$331.8M

Positions

120

Other Managers

Confidential Omitted

View on SEC.gov

Holdings (120)

#	Issuer	Ticker / CUSIP	Shares	Value	% of Filing
1	ISHARES GOLD TR	IAU	257,929	$20.9M	6.31%
2	ISHARES TR	464287705	152,975	$20.1M	6.07%
3	ISHARES TR	464287887	128,848	$18.2M	5.48%
4	ISHARES TR	464287309	145,862	$18.0M	5.42%
5	ISHARES TR	464287606	183,811	$17.8M	5.37%
6	DIMENSIONAL ETF TRUST	25434V807	318,899	$15.9M	4.80%
7	SCHWAB STRATEGIC TR	808524771	432,500	$11.8M	3.55%
8	VANGUARD WHITEHALL FDS	921946406	79,046	$11.3M	3.42%
9	DIMENSIONAL ETF TRUST	25434V781	296,858	$11.3M	3.40%
10	VANGUARD BD INDEX FDS	921937819	129,501	$10.1M	3.04%
11	DIMENSIONAL ETF TRUST	25434V815	286,687	$9.4M	2.84%
12	ISHARES TR	464287879	79,066	$9.0M	2.71%
13	INNOVATOR ETFS TRUST	INHD	274,850	$8.8M	2.65%
14	ISHARES TR	464287200	12,501	$8.6M	2.58%
15	DIMENSIONAL ETF TRUST	25434V856	154,691	$6.4M	1.94%
16	DIMENSIONAL ETF TRUST	25434V740	179,951	$6.1M	1.83%
17	DIMENSIONAL ETF TRUST	25434V658	219,379	$5.8M	1.75%
18	ISHARES TR	464287408	22,961	$4.9M	1.47%
19	ISHARES TR	464287507	70,811	$4.7M	1.41%
20	ISHARES TR	464288885	40,778	$4.6M	1.40%
21	SPDR GOLD TR	GLD	11,718	$4.6M	1.40%
22	ISHARES TR	46429B267	188,307	$4.3M	1.31%
23	INVESCO QQQ TR	IVZ	7,032	$4.3M	1.30%
24	APPLE INC	AAPL	15,848	$4.3M	1.30%
25	VANGUARD BD INDEX FDS	921937827	52,664	$4.2M	1.25%
26	VANGUARD MUN BD FDS	922907746	74,097	$3.7M	1.12%
27	VANGUARD SCOTTSDALE FDS	92206C409	46,528	$3.7M	1.12%
28	VANGUARD INDEX FDS	922908512	20,744	$3.7M	1.11%
29	VANGUARD WELLINGTON FD	921935870	31,810	$3.2M	0.97%
30	ISHARES TR	464288448	80,816	$3.2M	0.96%
31	VANGUARD INDEX FDS	922908538	11,295	$3.2M	0.95%
32	VANGUARD INDEX FDS	922908553	31,331	$2.8M	0.84%
33	SCHWAB STRATEGIC TR	808524748	57,428	$2.6M	0.77%
34	VANGUARD MALVERN FDS	922020805	50,818	$2.5M	0.76%
35	VANGUARD CHARLOTTE FDS	92203J407	51,946	$2.5M	0.76%
36	VANGUARD INDEX FDS	922908595	8,259	$2.5M	0.75%
37	VANGUARD INDEX FDS	922908611	11,462	$2.4M	0.73%
38	WISDOMTREE TR	WT	39,885	$2.3M	0.69%
39	JOHNSON & JOHNSON	JNJ	10,268	$2.1M	0.64%
40	VANGUARD TAX-MANAGED FDS	921943858	29,562	$1.8M	0.56%
41	SPDR S&P 500 ETF TR	SPY	2,629	$1.8M	0.54%
42	ISHARES TR	464288414	16,354	$1.8M	0.53%
43	MICROSOFT CORP	MSFT	3,400	$1.6M	0.50%
44	ISHARES TR	464287176	14,867	$1.6M	0.49%
45	EXXON MOBIL CORP	XOM	13,010	$1.6M	0.47%
46	INVESCO EXCHANGE TRADED FD T	IVZ	30,472	$1.4M	0.43%
47	ISHARES TR	464288273	17,663	$1.4M	0.41%
48	ISHARES TR	464287804	11,232	$1.3M	0.41%
49	BERKSHIRE HATHAWAY INC DEL	BRK-A	2,282	$1.1M	0.35%
50	DIMENSIONAL ETF TRUST	25434V823	47,726	$1.1M	0.33%
51	RTX CORPORATION	RTX	5,242	$961,383	0.29%
52	SELECTIVE INS GROUP INC	816300107	11,418	$955,344	0.29%
53	DIMENSIONAL ETF TRUST	25434V666	27,119	$927,741	0.28%
54	VANGUARD INDEX FDS	922908736	1,738	$848,026	0.26%
55	ALPHABET INC	GOOG	2,707	$847,291	0.26%
56	ELI LILLY & CO	LLY	777	$835,326	0.25%
57	DIMENSIONAL ETF TRUST	25434V401	10,409	$772,020	0.23%
58	REALTY INCOME CORP	O	12,809	$722,016	0.22%
59	INNOVATOR ETFS TRUST	INHD	14,932	$702,100	0.21%
60	3M CO	MMM	4,368	$699,372	0.21%
61	META PLATFORMS INC	META	1,008	$665,500	0.20%
62	JPMORGAN CHASE & CO.	VYLD	1,986	$639,929	0.19%
63	VANGUARD SPECIALIZED FUNDS	921908844	2,886	$634,345	0.19%
64	AMAZON COM INC	AMZN	2,627	$606,364	0.18%
65	INVESCO EXCHANGE TRADED FD T	IVZ	13,106	$601,441	0.18%
66	INVESCO EXCHANGE TRADED FD T	IVZ	3,086	$591,150	0.18%
67	VANGUARD BD INDEX FDS	921937835	7,869	$582,857	0.18%
68	ALPHABET INC	GOOG	1,780	$558,564	0.17%
69	SPDR SERIES TRUST	78464A839	6,511	$551,121	0.17%
70	VANGUARD INDEX FDS	922908629	1,872	$543,417	0.16%
71	SCHWAB STRATEGIC TR	808524706	15,235	$498,959	0.15%
72	PROVIDENT FINL SVCS INC	74386T105	25,139	$496,495	0.15%
73	INTERNATIONAL BUSINESS MACHS	INTR	1,667	$493,677	0.15%
74	PEPSICO INC	PEP	3,172	$455,241	0.14%
75	COSTCO WHSL CORP NEW	22160K105	526	$453,952	0.14%
76	CALAMOS ETF TR	12811T787	17,271	$433,243	0.13%
77	PROCTER AND GAMBLE CO	742718109	2,872	$411,586	0.12%
78	DEERE & CO	DE	878	$408,770	0.12%
79	DIMENSIONAL ETF TRUST	25434V773	11,583	$381,560	0.11%
80	COHEN & STEERS ETF TRUST	19249U104	14,857	$379,062	0.11%
81	GENERAL DYNAMICS CORP	GD	1,120	$376,943	0.11%
82	ISHARES TR	464288281	3,805	$366,329	0.11%
83	NVIDIA CORPORATION	NVDA	1,903	$355,000	0.11%
84	VANGUARD INTL EQUITY INDEX F	922042858	6,558	$352,558	0.11%
85	TESLA INC	TSLA	733	$329,645	0.10%
86	CHEVRON CORP NEW	CVX	2,129	$324,474	0.10%
87	MERCK & CO INC	MRK	3,014	$317,254	0.10%
88	ISHARES TR	46432F339	1,582	$314,309	0.09%
89	INNOVATOR ETFS TRUST	INHD	7,735	$308,781	0.09%
90	INNOVATOR ETFS TRUST	INHD	7,732	$298,992	0.09%
91	HOME DEPOT INC	HD	857	$294,876	0.09%
92	ABBVIE INC	ABBV	1,289	$294,524	0.09%
93	MCDONALDS CORP	MCD	945	$288,799	0.09%
94	VANGUARD INDEX FDS	922908769	861	$288,723	0.09%
95	INVESCO EXCH TRADED FD TR II	IVZ	8,188	$287,793	0.09%
96	GE AEROSPACE	369604301	925	$284,955	0.09%
97	LOWES COS INC	548661107	1,164	$280,710	0.08%
98	GUINNESS ATKINSON FDS	402031835	8,876	$274,498	0.08%
99	ISHARES TR	464287168	1,922	$271,227	0.08%
100	PUBLIC SVC ENTERPRISE GRP IN	744573106	3,331	$267,453	0.08%
101	CARRIER GLOBAL CORPORATION	CARR	5,027	$265,627	0.08%
102	VERIZON COMMUNICATIONS INC	VZ	6,340	$258,213	0.08%
103	VANGUARD SCOTTSDALE FDS	92206C714	2,777	$256,309	0.08%
104	SCHWAB STRATEGIC TR	808524102	9,699	$254,411	0.08%
105	CALAMOS ETF TR	12811T803	9,447	$253,983	0.08%
106	LAM RESEARCH CORP	LRCX	1,435	$245,643	0.07%
107	SPDR SERIES TRUST	78464A821	2,645	$244,493	0.07%
108	ENTERPRISE PRODS PARTNERS L	293792107	7,537	$241,626	0.07%
109	EVERSOURCE ENERGY	ES	3,452	$232,423	0.07%
110	ISHARES TR	464288810	3,630	$225,614	0.07%
111	ISHARES TR	464287622	589	$219,956	0.07%
112	OTIS WORLDWIDE CORP	OTIS	2,513	$219,511	0.07%
113	CALAMOS ETF TR	12811T886	8,018	$216,681	0.07%
114	BECTON DICKINSON & CO	BDX	1,116	$216,643	0.07%
115	VANGUARD INDEX FDS	922908363	339	$212,586	0.06%
116	CATERPILLAR INC	CAT	371	$212,535	0.06%
117	ROYAL CARIBBEAN GROUP	V7780T103	750	$209,190	0.06%
118	CISCO SYS INC	CSCO	2,705	$208,366	0.06%
119	PRUDENTIAL FINL INC	PUKPF	1,832	$206,810	0.06%
120	BLACKROCK ENHANCED EQUITY DI	BLK	13,831	$131,118	0.04%