Institutional Manager · CIK 0002100519
Pearl Planning LLC
DEXTER, MI · File #028-26059
Latest AUM
$163.5M
Positions
52
Top-10 Concentration
73.0%
Filings
1
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 |
|---|---|---|---|---|---|
| NEW | VANGUARD INDEX FDS | 922908363 | +40,856 | +$25.6M | $0 |
| NEW | AMERICAN CENTY ETF TR | 025072703 | +207,659 | +$17.1M | $0 |
| NEW | VANGUARD BD INDEX FDS | 921937835 | +198,406 | +$14.7M | $0 |
| NEW | VANGUARD INDEX FDS | 922908744 | +73,188 | +$14.0M | $0 |
| NEW | VANGUARD INDEX FDS | 922908629 | +41,774 | +$12.1M | $0 |
| NEW | EA SERIES TRUST | 02072L607 | +183,437 | +$9.4M | $0 |
| NEW | ISHARES TR | 46434V621 | +101,644 | +$7.1M | $0 |
| NEW | VANGUARD WORLD FD | 921910733 | +56,960 | +$6.9M | $0 |
| NEW | AMERICAN CENTY ETF TR | 025072877 | +63,793 | +$6.5M | $0 |
| NEW | EA SERIES TRUST | 02072L565 | +49,163 | +$5.7M | $0 |
Sector Allocation
Filing History
- 13F HOLDINGS REPORTQ/E Dec 202552 pos · $163.5M
Top 20 Holdings — Dec 2025
| # | Issuer | Ticker | Shares | Value | % of Portfolio |
|---|---|---|---|---|---|
| 1 | VANGUARD INDEX FDS | 922908363 | 40,856 | $25.6M | 15.71% |
| 2 | AMERICAN CENTY ETF TR | 025072703 | 207,659 | $17.1M | 10.48% |
| 3 | VANGUARD BD INDEX FDS | 921937835 | 198,406 | $14.7M | 9.01% |
| 4 | VANGUARD INDEX FDS | 922908744 | 73,188 | $14.0M | 8.57% |
| 5 | VANGUARD INDEX FDS | 922908629 | 41,774 | $12.1M | 7.43% |
| 6 | EA SERIES TRUST | 02072L607 | 183,437 | $9.4M | 5.77% |
| 7 | ISHARES TR | 46434V621 | 101,644 | $7.1M | 4.33% |
| 8 | VANGUARD WORLD FD | 921910733 | 56,960 | $6.9M | 4.22% |
| 9 | AMERICAN CENTY ETF TR | 025072877 | 63,793 | $6.5M | 3.99% |
| 10 | EA SERIES TRUST | 02072L565 | 49,163 | $5.7M | 3.47% |
| 11 | INVESCO EXCH TRADED FD TR II | IVZ | 20,187 | $5.1M | 3.13% |
| 12 | T ROWE PRICE ETF INC | 87283Q826 | 114,775 | $4.1M | 2.53% |
| 13 | SPDR SERIES TRUST | 78468R663 | 34,564 | $3.2M | 1.94% |
| 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% |