Institutional Manager · CIK 0000821103

PLANNING DIRECTIONS INC

GLEN MILLS, PA · File #028-18748

Latest AUM

$198.4M

Positions

101

Top-10 Concentration

67.2%

Filings

Portfolio Value Over Time

2024-03

2024-06

2024-09

2024-12

2025-03

2025-06

2025-09

2025-12

Biggest QoQ Changes

Ranked by conviction flow (share change × current price) so mark-to-market moves don't dominate. Price effect column shows how much of the $ change was just the stock moving.

Action	Issuer	Ticker / CUSIP	Δ Shares	Flow ($)	Price Effect
ADD	VICTORY PORTFOLIOS II	92647N527	+39,451	+$1.9M	-$39,914
ADD	VANGUARD BD INDEX FDS	921937827	+19,669	+$1.6M	-$19,288
ADD	ISHARES TR	46434V407	+22,496	+$964,401	-$45,935
ADD	ISHARES TR	464287804	+6,434	+$773,239	+$71,819
ADD	ISHARES U S ETF TR	46431W507	+13,878	+$709,160	-$3,298
NEW	COHERENT CORP	COHR	+2,800	+$516,796	$0
REDUCE	SCHWAB STRATEGIC TR	808524797	-17,096	-$468,943	+$177,019
REDUCE	VANGUARD INDEX FDS	922908736	-911	-$444,423	+$95,320
NEW	VICTORY PORTFOLIOS II	92647N535	+6,935	+$352,572	$0
REDUCE	CORMEDIX INC	CRMD	-30,000	-$348,900	$0

Sector Allocation

Technology

8.7%$17.4M

Financials

1.2%$2.5M

Consumer Discretionary

1.1%$2.3M

0.4%$850,237

0.4%$802,917

0.3%$602,197

0.3%$505,969

0.2%$492,944

Communication Services

0.1%$238,979

Filing History

Jan 21, 202613F HOLDINGS REPORTQ/E Dec 2025101 pos · $198.4M
Nov 13, 202513F HOLDINGS REPORTQ/E Sep 202593 pos · $191.6M
Aug 1, 202513F HOLDINGS REPORTQ/E Jun 202585 pos · $177.7M
Apr 30, 202513F HOLDINGS REPORTQ/E Mar 2025117 pos · $233.9M
Feb 6, 202513F HOLDINGS REPORTQ/E Dec 202477 pos · $172.3M
Nov 7, 202413F HOLDINGS REPORTQ/E Sep 202481 pos · $167.9M
Aug 9, 202413F HOLDINGS REPORTQ/E Jun 202471 pos · $146.8M
May 9, 202413F HOLDINGS REPORTQ/E Mar 202476 pos · $143.9M
Oct 27, 202313F HOLDINGS REPORTQ/E Dec 202365 pos · $130,647

Top 20 Holdings — Dec 2025

#	Issuer	Ticker	Shares	Value	% of Portfolio
1	SCHWAB STRATEGIC TR	808524797	1,344,660	$36.9M	20.05%
2	VANGUARD BD INDEX FDS	921937827	212,543	$16.8M	9.10%
3	VANGUARD SPECIALIZED FUNDS	921908844	68,060	$15.0M	8.13%
4	VICTORY PORTFOLIOS II	92647N527	280,824	$13.3M	7.23%
5	APPLE INC	AAPL	42,613	$11.6M	6.30%
6	ISHARES TR	464287804	59,638	$7.2M	3.90%
7	VANGUARD WORLD FD	921910840	43,187	$6.1M	3.31%
8	FIDELITY MERRIMACK STR TR	316188408	113,546	$5.7M	3.10%
9	VANGUARD INTL EQUITY INDEX F	922042742	39,977	$5.6M	3.07%
10	VANGUARD INDEX FDS	922908538	20,135	$5.6M	3.06%
11	ISHARES TR	46434V407	129,248	$5.5M	3.01%
12	VANGUARD INDEX FDS	922908736	10,661	$5.2M	2.83%
13	VANGUARD SCOTTSDALE FDS	92206C409	64,013	$5.1M	2.77%
14	J P MORGAN EXCHANGE TRADED F	46641Q332	56,136	$3.2M	1.75%
15	NVIDIA CORPORATION	NVDA	15,481	$2.9M	1.57%
16	J P MORGAN EXCHANGE TRADED F	46654Q203	45,467	$2.6M	1.44%
17	ISHARES TR	464287671	14,994	$2.5M	1.37%
18	SPDR SERIES TRUST	78464A763	17,991	$2.5M	1.36%
19	VANGUARD INDEX FDS	922908629	7,137	$2.1M	1.13%
20	VANGUARD INDEX FDS	922908744	9,177	$1.8M	0.95%