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PIFP

Partners in Financial Planning Portfolio holdings

AUM $603M
1-Year Est. Return 12.72%
This Fund
S&P 500
This Quarter Est. Return
+1.06%
1 Year Est. Return
+12.72%
3 Year Est. Return
+31.56%
5 Year Est. Return
+23.25%
10 Year Est. Return
–
AUM
$591M
AUM Growth
+$12.1M
Cap. Flow
+$6.43M
Cap. Flow %
1.09%
Top 10 Hldgs %
69.64%
Holding
119
New
4
Increased
60
Reduced
21
Closed
4

Top Buys

Rank Stock Value
1
BNDX icon
Vanguard Total International Bond ETF
BNDX
+$4.3M
2
BND icon
Vanguard Total Bond Market
BND
+$1.39M
3
BSV icon
Vanguard Short-Term Bond ETF
BSV
+$652K
4
VTV icon
Vanguard Morningstar Value ETF
VTV
+$640K
5
MUB icon
iShares National Muni Bond ETF
MUB
+$571K

Top Sells

Rank Stock Value
1
VUG icon
Vanguard Morningstar Growth ETF
VUG
+$2.38M
2
SPYV icon
State Street SPDR Portfolio S&P 500 Value ETF
SPYV
+$460K
3
IWF icon
iShares Russell 1000 Growth ETF
IWF
+$251K
4
VOE icon
Vanguard Morningstar Mid-Cap Value ETF
VOE
+$236K
5
MO icon
Altria Group
MO
+$225K

Sector Composition

Rank Sector Weight
1 Industrials 1.12%
2 Consumer Discretionary 0.73%
3 Technology 0.71%
4 Healthcare 0.63%
5 Energy 0.6%
Name Market Value Portfolio Weight Shares or Principal Change
in Stake 		Capital Flow
VFMF icon
26
Vanguard US Multifactor ETF
VFMF
$733M
$2.96M 0.5%
19,646
-271
-1% -$39.7K
SLYV icon
27
State Street SPDR S&P 600 Small Cap Value ETF
SLYV
$5.03B
$2.86M 0.48%
31,389
+140
+0.4% +$12.6K
VV icon
28
Vanguard Morningstar Large-Cap ETF
VV
$54.3B
$2.73M 0.46%
8,673
-203
-2% -$63.4K
NSC icon
29
Norfolk Southern
NSC
$75.1B
$2.71M 0.46%
9,376
-7
-0.1% -$2.02K
SPAB icon
30
State Street SPDR Portfolio Aggregate Bond ETF
SPAB
$9.77B
$2.64M 0.45%
102,333
+714
+0.7% +$18.5K
VEU icon
31
Vanguard FTSE All-World ex-US ETF
VEU
$68.5B
$2M 0.34%
27,125
-1,653
-6% -$120K
AAPL icon
32
Apple
AAPL
$4.57T
$1.78M 0.3%
6,541
+13
+0.2% +$3.49K
SLYG icon
33
State Street SPDR S&P 600 Small Cap Growth ETF
SLYG
$5.2B
$1.76M 0.3%
18,671
+163
+0.9% +$15.4K
VB icon
34
Vanguard Morningstar Small-Cap ETF
VB
$82.4B
$1.73M 0.29%
6,702
-110
-2% -$28.2K
IWF icon
35
iShares Russell 1000 Growth ETF
IWF
$128B
$1.57M 0.27%
13,248
-2,116
-14% -$251K
XOM icon
36
ExxonMobil
XOM
$634B
$1.52M 0.26%
12,623
-571
-4% -$66.2K
SPTS icon
37
State Street SPDR Portfolio Short Term Treasury ETF
SPTS
$6.11B
$1.48M 0.25%
50,653
+2,521
+5% +$73.9K
BIV icon
38
Vanguard Intermediate-Term Bond ETF
BIV
$28.9B
$1.41M 0.24%
18,101
+67
+0.4% +$5.24K
VXUS icon
39
Vanguard Total International Stock ETF
VXUS
$160B
$1.4M 0.24%
18,517
-19
-0.1% -$1.42K
TSLA icon
40
Tesla
TSLA
$1.3T
$1.38M 0.23%
3,061
– –
VNQI icon
41
Vanguard Global ex-US Real Estate ETF
VNQI
$3.53B
$1.37M 0.23%
29,976
+838
+3% +$39.6K
AMZN icon
42
Amazon
AMZN
$2.96T
$1.36M 0.23%
5,911
+14
+0.2% +$3.2K
LRGF icon
43
iShares US Equity Factor ETF
LRGF
$3.71B
$1.33M 0.23%
19,180
-15
-0.1% -$1.04K
MSFT icon
44
Microsoft
MSFT
$3.71T
$1.25M 0.21%
2,593
+24
+0.9% +$12K
STLD icon
45
Steel Dynamics
STLD
$37.6B
$1.18M 0.2%
6,970
– –
CVX icon
46
Chevron
CVX
$366B
$1.16M 0.2%
7,633
– –
DFAT icon
47
Dimensional US Targeted Value ETF
DFAT
$14.7B
$1.14M 0.19%
19,107
+42
+0.2% +$2.45K
FERG icon
48
Ferguson
FERG
$49.8B
$1.12M 0.19%
5,033
+79
+2% +$18.9K
EFA icon
49
iShares MSCI EAFE ETF
EFA
$80.2B
$1.12M 0.19%
11,659
+49
+0.4% +$4.65K
EW icon
50
Edwards Lifesciences
EW
$51.7B
$988K 0.17%
11,584
– –
1
2
3 4 5

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Partners in Financial Planning's Q4 2025 Portfolio in Review

As of Q4 2025, Partners in Financial Planning held 119 positions worth $591M, up 2.1% from $578M the previous quarter. Its ten largest holdings account for 70% of the portfolio.

Partners in Financial Planning's Q4 2025 filing shows 4 new, 60 increased, 21 reduced and 4 closed positions. Its largest new stake was Vanguard Core Bond ETF: 4,831 shares worth $376K. The largest sale was Vanguard Morningstar Growth ETF, an estimated $2.38M.

By sector, the portfolio is most concentrated in Industrials at 1.1% of assets, down from 1.2% a quarter earlier, followed by Consumer Discretionary and Technology.

  • Partners in Financial Planning's largest Q4 2025 buy was Vanguard Core Bond ETF: 4,831 shares worth $376K.
  • Partners in Financial Planning added most to Vanguard Total International Bond ETF in Q4 2025, an estimated $4.3M increase.
  • Partners in Financial Planning's biggest Q4 2025 reduction was Vanguard Morningstar Growth ETF, cutting an estimated $2.38M.
  • Partners in Financial Planning fully exited Vanguard Morningstar Mid-Cap Value ETF in Q4 2025, selling an estimated $236K.
  • Partners in Financial Planning's ten largest holdings make up 70% of its $591M portfolio in Q4 2025.
  • Partners in Financial Planning opened 4 new positions and closed 4 in Q4 2025.
  • Partners in Financial Planning's portfolio value rose 2.1% quarter-over-quarter to $591M.

Based on Partners in Financial Planning's 13F filing for Q4 2025, filed 2 Feb 2026.