13F HOLDINGS REPORT
Pearl Planning LLC
Quarter ended Q4 2025 · Filed February 3, 2026 · Accession 0002100519-26-000001
Total Value
$163.5M
Positions
52
Other Managers
0
Confidential Omitted
No
Holdings (52)
| # | Issuer | Ticker / CUSIP | Shares | Value | % of Filing |
|---|---|---|---|---|---|
| 1 | VANGUARD INDEX FDS | 922908363 | 40,856 | $25.6M | 15.67% |
| 2 | AMERICAN CENTY ETF TR | 025072703 | 207,659 | $17.1M | 10.45% |
| 3 | VANGUARD BD INDEX FDS | 921937835 | 198,406 | $14.7M | 8.99% |
| 4 | VANGUARD INDEX FDS | 922908744 | 73,188 | $14.0M | 8.55% |
| 5 | VANGUARD INDEX FDS | 922908629 | 41,774 | $12.1M | 7.41% |
| 6 | EA SERIES TRUST | 02072L607 | 183,437 | $9.4M | 5.75% |
| 7 | ISHARES TR | 46434V621 | 101,644 | $7.1M | 4.32% |
| 8 | VANGUARD WORLD FD | 921910733 | 56,960 | $6.9M | 4.21% |
| 9 | AMERICAN CENTY ETF TR | 025072877 | 63,793 | $6.5M | 3.98% |
| 10 | EA SERIES TRUST | 02072L565 | 49,163 | $5.7M | 3.46% |
| 11 | INVESCO EXCH TRADED FD TR II | IVZ | 20,187 | $5.1M | 3.12% |
| 12 | T ROWE PRICE ETF INC | 87283Q826 | 114,775 | $4.1M | 2.52% |
| 13 | SPDR SERIES TRUST | 78468R663 | 34,564 | $3.2M | 1.93% |
| 14 | INVESCO QQQ TR | IVZ | 5,004 | $3.1M | 1.88% |
| 15 | VANGUARD BD INDEX FDS | 921937827 | 32,778 | $2.6M | 1.58% |
| 16 | VANGUARD WORLD FD | 921910691 | 36,197 | $2.3M | 1.41% |
| 17 | INVESCO EXCH TRADED FD TR II | IVZ | 52,837 | $2.2M | 1.37% |
| 18 | ISHARES TR | 46435U663 | 41,950 | $1.9M | 1.18% |
| 19 | ISHARES TR | 464288414 | 17,348 | $1.9M | 1.14% |
| 20 | ISHARES TR | 46432F339 | 6,057 | $1.2M | 0.74% |
| 21 | VANGUARD BD INDEX FDS | 921937819 | 15,069 | $1.2M | 0.72% |
| 22 | INVESCO EXCHANGE TRADED FD T | IVZ | 9,504 | $973,447 | 0.60% |
| 23 | ISHARES TR | 464287200 | 1,353 | $926,883 | 0.57% |
| 24 | VANGUARD INDEX FDS | 922908751 | 3,446 | $888,896 | 0.54% |
| 25 | INVESCO EXCH TRADED FD TR II | IVZ | 15,922 | $884,763 | 0.54% |
| 26 | INTERNATIONAL BUSINESS MACHS | INTR | 2,977 | $881,817 | 0.54% |
| 27 | ISHARES TR | 464287226 | 7,604 | $759,488 | 0.46% |
| 28 | VANGUARD TAX-MANAGED FDS | 921943858 | 12,078 | $754,524 | 0.46% |
| 29 | ISHARES TR | 464287507 | 10,322 | $681,252 | 0.42% |
| 30 | ISHARES TR | 464287614 | 1,418 | $671,225 | 0.41% |
| 31 | APPLE INC | AAPL | 2,449 | $665,785 | 0.41% |
| 32 | AMERICAN CENTY ETF TR | 025072323 | 10,918 | $641,323 | 0.39% |
| 33 | ORACLE CORP | ORCL-PD | 3,056 | $595,645 | 0.36% |
| 34 | META PLATFORMS INC | META | 826 | $545,234 | 0.33% |
| 35 | MICROSOFT CORP | MSFT | 1,112 | $537,785 | 0.33% |
| 36 | ISHARES TR | 46432F842 | 5,587 | $499,813 | 0.31% |
| 37 | ISHARES TR | 464288109 | 5,279 | $498,126 | 0.30% |
| 38 | REPUBLIC SVCS INC | 760759100 | 1,869 | $396,097 | 0.24% |
| 39 | TCW ETF TRUST | 29287L106 | 4,761 | $381,958 | 0.23% |
| 40 | ISHARES TR | 46432F859 | 6,883 | $335,546 | 0.21% |
| 41 | SELECT SECTOR SPDR TR | 81369Y803 | 2,232 | $321,341 | 0.20% |
| 42 | VANGUARD INDEX FDS | 922908611 | 1,490 | $315,567 | 0.19% |
| 43 | NVIDIA CORPORATION | NVDA | 1,665 | $310,523 | 0.19% |
| 44 | RBB FUND TRUST | 75526L878 | 6,306 | $304,958 | 0.19% |
| 45 | VANGUARD INDEX FDS | 922908769 | 828 | $277,663 | 0.17% |
| 46 | AMAZON COM INC | AMZN | 1,161 | $267,982 | 0.16% |
| 47 | JPMORGAN CHASE & CO. | VYLD | 809 | $260,676 | 0.16% |
| 48 | ISHARES TR | 46435G425 | 1,732 | $258,033 | 0.16% |
| 49 | ALPHABET INC | GOOG | 745 | $233,185 | 0.14% |
| 50 | TEXAS INSTRS INC | 882508104 | 1,326 | $230,048 | 0.14% |
| 51 | BROADCOM INC | AVGO | 663 | $229,464 | 0.14% |
| 52 | ALPHABET INC | GOOG | 657 | $206,167 | 0.13% |