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EP

Essential Planning Portfolio holdings

AUM $315M
1-Year Est. Return 11.68%
This Fund
S&P 500
This Quarter Est. Return
+5.42%
1 Year Est. Return
+11.68%
3 Year Est. Return
+32.67%
5 Year Est. Return
–
10 Year Est. Return
–
AUM
$269M
AUM Growth
+$20.4M
Cap. Flow
+$7.6M
Cap. Flow %
2.83%
Top 10 Hldgs %
70.5%
Holding
83
New
2
Increased
37
Reduced
21
Closed
1

Top Buys

1
BND icon
Vanguard Total Bond Market
BND
+$1.23M
2
DCOR icon
Dimensional US Core Equity 1 ETF
DCOR
+$860K
3
SPY icon
State Street SPDR S&P 500 ETF Trust
SPY
+$817K
4
DFAC icon
Dimensional US Core Equity 2 ETF
DFAC
+$772K
5
JPLD icon
JPMorgan Limited Duration Bond ETF
JPLD
+$759K

Top Sells

1
IBTF
iShares iBonds Dec 2025 Term Treasury ETF
IBTF
+$513K
2
NVDA icon
NVIDIA
NVDA
+$498K
3
IBTG icon
iShares iBonds Dec 2026 Term Treasury ETF
IBTG
+$246K
4
DFAR icon
Dimensional US Real Estate ETF
DFAR
+$208K
5
BOND icon
PIMCO Active Bond Exchange-Traded Fund
BOND
+$178K

Sector Composition

1 Healthcare 3.2%
2 Technology 1.75%
3 Financials 0.96%
4 Communication Services 0.48%
5 Industrials 0.37%
Name Market Value Portfolio Weight Shares or Principal Change
in Stake 		Capital Flow
BND icon
1
Vanguard Total Bond Market
BND
$159B
$56.6M 21.06%
768,404
+16,967
+2% +$1.23M
DFAU icon
2
Dimensional US Core Equity Market ETF
DFAU
$12.3B
$53.8M 20.02%
1,269,662
+16,419
+1% +$644K
DFAI
3
Dimensional International Core Equity Market ETF
DFAI
$17B
$18.5M 6.88%
534,800
+8,391
+2% +$275K
VTI icon
4
Vanguard Total Stock Market ETF
VTI
$658B
$16.6M 6.16%
54,460
+772
+1% +$217K
DFCF icon
5
Dimensional Core Fixed Income ETF
DFCF
$10.8B
$9.63M 3.58%
227,808
+9,659
+4% +$403K
LLY icon
6
Eli Lilly
LLY
$1.04T
$8.57M 3.19%
10,997
-22
-0.2% -$17.1K
DFAE icon
7
Dimensional Emerging Core Equity Market ETF
DFAE
$9.14B
$7.41M 2.76%
256,073
+4,670
+2% +$125K
BSV icon
8
Vanguard Short-Term Bond ETF
BSV
$44.7B
$6.83M 2.54%
86,764
+3,565
+4% +$279K
IVV icon
9
iShares Core S&P 500 ETF
IVV
$881B
$5.77M 2.15%
9,287
-90
-1% -$51.7K
VTIP icon
10
Vanguard Short-Term Inflation-Protected Securities Index Fund
VTIP
$19.1B
$5.76M 2.14%
114,552
+2,431
+2% +$121K
MBB icon
11
iShares MBS ETF
MBB
$39.3B
$5.31M 1.98%
56,511
+2,015
+4% +$187K
DFSD
12
Dimensional Short-Duration Fixed Income ETF
DFSD
$7B
$5.28M 1.96%
109,915
+14,791
+16% +$704K
VBK icon
13
Vanguard Small-Cap Growth ETF
VBK
$23.4B
$4.67M 1.74%
16,863
-107
-0.6% -$27.6K
BOND icon
14
PIMCO Active Bond Exchange-Traded Fund
BOND
$8.29B
$4.15M 1.55%
45,069
-1,954
-4% -$178K
DFAC icon
15
Dimensional US Core Equity 2 ETF
DFAC
$47.4B
$3.99M 1.49%
111,426
+23,154
+26% +$772K
FREL icon
16
Fidelity MSCI Real Estate Index ETF
FREL
$1.52B
$3.56M 1.32%
131,503
+2,189
+2% +$58.5K
SHY icon
17
iShares 1-3 Year Treasury Bond ETF
SHY
$25.7B
$3.44M 1.28%
41,547
-737
-2% -$60.8K
DCOR icon
18
Dimensional US Core Equity 1 ETF
DCOR
$3.27B
$3.01M 1.12%
45,014
+13,826
+44% +$860K
SPY icon
19
State Street SPDR S&P 500 ETF Trust
SPY
$774B
$2.86M 1.07%
4,632
+1,430
+45% +$817K
JPLD icon
20
JPMorgan Limited Duration Bond ETF
JPLD
$3.95B
$2.77M 1.03%
53,090
+14,660
+38% +$759K
MSFT icon
21
Microsoft
MSFT
$2.98T
$2.23M 0.83%
4,486
– –
IBTF
22
DELISTED
iShares iBonds Dec 2025 Term Treasury ETF
IBTF
$2.11M 0.79%
90,476
-21,973
-20% -$513K
BRK.B icon
23
Berkshire Hathaway Class B
BRK.B
$1.06T
$1.67M 0.62%
3,441
– –
VEA icon
24
Vanguard FTSE Developed Markets ETF
VEA
$226B
$1.63M 0.61%
28,549
+8,018
+39% +$429K
DFIC icon
25
Dimensional International Core Equity 2 ETF
DFIC
$14.4B
$1.61M 0.6%
51,718
+14,651
+40% +$429K
1
2 3 4

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WIC
Whitegate Investment Counselors Concord, New Hampshire $315M AUM 10.6% 1-Year Est. Return
EWA
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HOWA
Heritage Oak Wealth Advisors Santa Rosa Beach, Florida $315M AUM 38.29% 1-Year Est. Return
TF
Tandem Financial Greenwood Village, Colorado $314M AUM 25.09% 1-Year Est. Return
SL
Sentry LLC Memphis, Tennessee $314M AUM 30.11% 1-Year Est. Return
SAMC
Spectrum Asset Management (California) Newport Beach, California $315M AUM 19.93% 1-Year Est. Return
NTCM
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KHCM
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Essential Planning's Q2 2025 Portfolio in Review

As of Q2 2025, Essential Planning held 83 positions worth $269M, up 8.2% from $248M the previous quarter. Its ten largest holdings account for 71% of the portfolio.

Trading was light in Q2 2025: portfolio turnover was 3.6%. Essential Planning opened 2 new positions and exited 1, leaving the 83-position portfolio largely intact.

By sector, the portfolio is most concentrated in Healthcare at 3.2% of assets, down from 3.7% a quarter earlier, followed by Technology and Financials.

  • Essential Planning's largest Q2 2025 buy was Wells Fargo: 2,596 shares worth $208K.
  • Essential Planning added most to Vanguard Total Bond Market in Q2 2025, an estimated $1.23M increase.
  • Essential Planning's biggest Q2 2025 reduction was iShares iBonds Dec 2025 Term Treasury ETF, cutting an estimated $513K.
  • Essential Planning fully exited Dimensional US Real Estate ETF in Q2 2025, selling an estimated $208K.
  • Essential Planning's ten largest holdings make up 71% of its $269M portfolio in Q2 2025.
  • Essential Planning opened 2 new positions and closed 1 in Q2 2025.
  • Essential Planning's portfolio value rose 8.2% quarter-over-quarter to $269M.

Based on Essential Planning's 13F filing for Q2 2025, filed 14 Aug 2025.