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FOFP

Fee-Only Financial Planning Portfolio holdings

AUM $166M
1-Year Est. Return 17.65%
This Fund
S&P 500
This Quarter Est. Return
+7.21%
1 Year Est. Return
+17.65%
3 Year Est. Return
+54.63%
5 Year Est. Return
–
10 Year Est. Return
–
AUM
$171M
AUM Growth
+$9.87M
Cap. Flow
-$1.52M
Cap. Flow %
-0.89%
Top 10 Hldgs %
87.02%
Holding
43
New
2
Increased
1
Reduced
18
Closed
1

Top Buys

Rank Stock Value
1
ORCL icon
Oracle
ORCL
+$204K
2
NSC icon
Norfolk Southern
NSC
+$193K
3
VBK icon
Vanguard Small-Cap Growth ETF
VBK
+$2.31K

Top Sells

Rank Stock Value
1
VUG icon
Vanguard Growth ETF
VUG
+$786K
2
VTV icon
Vanguard Value ETF
VTV
+$267K
3
BRK.B icon
Berkshire Hathaway Class B
BRK.B
+$243K
4
VBR icon
Vanguard Small-Cap Value ETF
VBR
+$162K
5
VO icon
Vanguard Mid-Cap ETF
VO
+$136K

Sector Composition

Rank Sector Weight
1 Financials 1.39%
2 Consumer Staples 1.36%
3 Technology 1.17%
4 Utilities 0.77%
5 Industrials 0.61%
Name Market Value Portfolio Weight Shares or Principal Change
in Stake 		Capital Flow
VUG icon
1
Vanguard Growth ETF
VUG
$216B
$52.4M 30.56%
655,212
-10,284
-2% -$786K
VTV icon
2
Vanguard Value ETF
VTV
$189B
$31.6M 18.43%
169,415
-1,473
-0.9% -$267K
VO icon
3
Vanguard Mid-Cap ETF
VO
$106B
$15.1M 8.8%
205,364
-1,896
-0.9% -$136K
VB icon
4
Vanguard Small-Cap ETF
VB
$79.5B
$11.1M 6.5%
43,807
-12
-0% -$2.98K
VBR icon
5
Vanguard Small-Cap Value ETF
VBR
$37.1B
$11M 6.44%
52,884
-791
-1% -$162K
VBK icon
6
Vanguard Small-Cap Growth ETF
VBK
$23.2B
$9M 5.25%
30,247
+8
+0% +$2.31K
VEU icon
7
Vanguard FTSE All-World ex-US ETF
VEU
$65.6B
$7.21M 4.2%
100,955
-889
-0.9% -$61.4K
VOO icon
8
Vanguard S&P 500 ETF
VOO
$968B
$4.78M 2.79%
7,813
– –
VOE icon
9
Vanguard Mid-Cap Value ETF
VOE
$23.7B
$3.95M 2.3%
22,618
-153
-0.7% -$26K
VTI icon
10
Vanguard Total Stock Market ETF
VTI
$654B
$2.99M 1.75%
9,116
-148
-2% -$46.8K
VXF icon
11
Vanguard Extended Market ETF
VXF
$30.3B
$2.34M 1.37%
11,194
– –
VOT icon
12
Vanguard Mid-Cap Growth ETF
VOT
$19B
$2.08M 1.21%
7,078
-72
-1% -$20.8K
BAC icon
13
Bank of America
BAC
$435B
$1.77M 1.03%
34,317
-300
-0.9% -$14.6K
MGK icon
14
Vanguard Mega Cap Growth ETF
MGK
$31.9B
$1.69M 0.99%
21,000
– –
PM icon
15
Philip Morris
PM
$301B
$1.25M 0.73%
7,726
-150
-2% -$25.2K
VEA icon
16
Vanguard FTSE Developed Markets ETF
VEA
$226B
$1.21M 0.71%
20,194
– –
VDE icon
17
Vanguard Energy ETF
VDE
$10.1B
$982K 0.57%
7,800
– –
VV icon
18
Vanguard Large-Cap ETF
VV
$51.9B
$900K 0.53%
2,925
-2
-0.1% -$592
T icon
19
AT&T
T
$165B
$717K 0.42%
25,377
-100
-0.4% -$2.84K
MO icon
20
Altria Group
MO
$122B
$697K 0.41%
10,553
– –
XOM icon
21
ExxonMobil
XOM
$651B
$663K 0.39%
5,881
-136
-2% -$15.1K
AAPL icon
22
Apple
AAPL
$4.89T
$657K 0.38%
2,582
– –
MSFT icon
23
Microsoft
MSFT
$2.84T
$635K 0.37%
1,226
– –
TFC icon
24
Truist Financial
TFC
$63.2B
$617K 0.36%
13,506
-1,865
-12% -$84.1K
GE icon
25
GE Aerospace
GE
$367B
$550K 0.32%
1,829
– –
1
2

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LWP
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LM
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SHC
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TLM
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LF
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Fee-Only Financial Planning's Q3 2025 Portfolio in Review

As of Q3 2025, Fee-Only Financial Planning held 43 positions worth $171M, up 6.1% from $162M the previous quarter. Its ten largest holdings account for 87% of the portfolio.

Fee-Only Financial Planning's Q3 2025 filing shows 2 new, 1 increased, 18 reduced and 1 closed positions. Its largest new stake was Oracle: 800 shares worth $225K. The largest sale was Vanguard Growth ETF, an estimated $786K.

By sector, the portfolio is most concentrated in Financials at 1.4% of assets, down from 1.6% a quarter earlier, followed by Consumer Staples and Technology.

  • Fee-Only Financial Planning's largest Q3 2025 buy was Oracle: 800 shares worth $225K.
  • Fee-Only Financial Planning added most to Vanguard Small-Cap Growth ETF in Q3 2025, an estimated $2.31K increase.
  • Fee-Only Financial Planning's biggest Q3 2025 reduction was Vanguard Growth ETF, cutting an estimated $786K.
  • Fee-Only Financial Planning fully exited Berkshire Hathaway Class B in Q3 2025, selling an estimated $243K.
  • Fee-Only Financial Planning's ten largest holdings make up 87% of its $171M portfolio in Q3 2025.
  • Fee-Only Financial Planning opened 2 new positions and closed 1 in Q3 2025.
  • Fee-Only Financial Planning's portfolio value rose 6.1% quarter-over-quarter to $171M.

Based on Fee-Only Financial Planning's 13F filing for Q3 2025, filed 27 Oct 2025.