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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
+4.93%
1 Year Est. Return
+12.72%
3 Year Est. Return
+31.56%
5 Year Est. Return
+23.25%
10 Year Est. Return
–
AUM
$578M
AUM Growth
+$36.2M
Cap. Flow
+$10.2M
Cap. Flow %
1.76%
Top 10 Hldgs %
69.61%
Holding
116
New
9
Increased
46
Reduced
30
Closed
1

Top Buys

Rank Stock Value
1
BND icon
Vanguard Total Bond Market
BND
+$4.83M
2
BNDX icon
Vanguard Total International Bond ETF
BNDX
+$2.76M
3
CVX icon
Chevron
CVX
+$853K
4
VCIT icon
Vanguard Intermediate-Term Corporate Bond ETF
VCIT
+$714K
5
SUB icon
iShares Short-Term National Muni Bond ETF
SUB
+$695K

Top Sells

Rank Stock Value
1
VUG icon
Vanguard Morningstar Growth ETF
VUG
+$1.46M
2
VTEB icon
Vanguard Tax-Exempt Bond Index Fund
VTEB
+$645K
3
HES
Hess
HES
+$623K
4
VEA icon
Vanguard FTSE Developed Markets ETF
VEA
+$206K
5
VTI icon
Vanguard Morningstar Total Stock Market ETF
VTI
+$159K

Sector Composition

Rank Sector Weight
1 Industrials 1.15%
2 Consumer Discretionary 0.74%
3 Technology 0.7%
4 Energy 0.62%
5 Healthcare 0.59%
Name Market Value Portfolio Weight Shares or Principal Change
in Stake 		Capital Flow
BND icon
1
Vanguard Total Bond Market
BND
$161B
$71.8M 12.41%
965,626
+65,598
+7% +$4.83M
VUG icon
2
Vanguard Morningstar Growth ETF
VUG
$230B
$66.6M 11.52%
833,496
-19,158
-2% -$1.46M
VTV icon
3
Vanguard Morningstar Value ETF
VTV
$192B
$56.2M 9.72%
301,476
+926
+0.3% +$168K
BNDX icon
4
Vanguard Total International Bond ETF
BNDX
$83.1B
$53.2M 9.2%
1,076,345
+55,944
+5% +$2.76M
VEA icon
5
Vanguard FTSE Developed Markets ETF
VEA
$237B
$46.4M 8.03%
775,066
-3,528
-0.5% -$206K
BSV icon
6
Vanguard Short-Term Bond ETF
BSV
$45.6B
$36.1M 6.24%
457,164
+8,300
+2% +$653K
VBR icon
7
Vanguard Morningstar Small-Cap Value ETF
VBR
$38.1B
$20.9M 3.62%
100,216
-357
-0.4% -$73K
VBK icon
8
Vanguard Morningstar Small-Cap Growth ETF
VBK
$24.6B
$19.7M 3.41%
66,338
-230
-0.3% -$66.4K
VWO icon
9
Vanguard FTSE Emerging Markets ETF
VWO
$126B
$16.5M 2.85%
304,473
-1,432
-0.5% -$73.8K
VSS icon
10
Vanguard FTSE All-World ex-US Small-Cap Index Fund
VSS
$11.9B
$15.1M 2.61%
105,931
-1,121
-1% -$155K
VNQ icon
11
Vanguard Real Estate ETF
VNQ
$39.1B
$14.2M 2.46%
155,388
+2,057
+1% +$187K
SPDW icon
12
State Street SPDR Portfolio Developed World ex-US ETF
SPDW
$41.7B
$12.3M 2.12%
286,527
-287
-0.1% -$11.9K
VTI icon
13
Vanguard Morningstar Total Stock Market ETF
VTI
$691B
$11.7M 2.02%
35,665
-504
-1% -$159K
VTEB icon
14
Vanguard Tax-Exempt Bond Index Fund
VTEB
$46B
$11.3M 1.95%
225,063
-13,129
-6% -$645K
SUB icon
15
iShares Short-Term National Muni Bond ETF
SUB
$11.4B
$10.5M 1.81%
97,955
+6,504
+7% +$695K
VCIT icon
16
Vanguard Intermediate-Term Corporate Bond ETF
VCIT
$67.8B
$7.48M 1.29%
88,946
+8,582
+11% +$714K
VOO icon
17
Vanguard S&P 500 ETF
VOO
$1.03T
$6.5M 1.12%
10,610
-6
-0.1% -$3.54K
MUB icon
18
iShares National Muni Bond ETF
MUB
$45.9B
$5.38M 0.93%
50,484
+5,967
+13% +$624K
SPYG icon
19
State Street SPDR Portfolio S&P 500 Growth ETF
SPYG
$55.4B
$4.47M 0.77%
42,781
-464
-1% -$46.2K
SPYV icon
20
State Street SPDR Portfolio S&P 500 Value ETF
SPYV
$36.5B
$4.32M 0.75%
78,150
+302
+0.4% +$16.3K
VO icon
21
Vanguard Morningstar Mid-Cap ETF
VO
$109B
$4.15M 0.72%
56,452
-780
-1% -$56K
SCZ icon
22
iShares MSCI EAFE Small-Cap ETF
SCZ
$13.6B
$3.91M 0.68%
50,954
-43
-0.1% -$3.22K
VXF icon
23
Vanguard Extended Market ETF
VXF
$31.9B
$3.36M 0.58%
16,029
-138
-0.9% -$27.9K
SPEM icon
24
State Street SPDR Portfolio Emerging Markets ETF
SPEM
$17.7B
$3.22M 0.56%
68,714
-658
-0.9% -$29.3K
IAGG icon
25
iShares Core International Aggregate Bond Fund
IAGG
$11.4B
$2.99M 0.52%
58,343
+778
+1% +$39.8K
1
2 3 4 5

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Partners in Financial Planning's Q3 2025 Portfolio in Review

As of Q3 2025, Partners in Financial Planning held 116 positions worth $578M, up 6.7% from $542M the previous quarter. Its ten largest holdings account for 70% of the portfolio.

Partners in Financial Planning's Q3 2025 filing shows 9 new, 46 increased, 30 reduced and 1 closed positions. Its largest new stake was Vanguard 0-3 Month Treasury Bill ETF: 3,553 shares worth $269K. The largest sale was Vanguard Morningstar Growth ETF, an estimated $1.46M.

By sector, the portfolio is most concentrated in Industrials at 1.2% of assets, up from 1% a quarter earlier, followed by Consumer Discretionary and Technology.

  • Partners in Financial Planning's largest Q3 2025 buy was Vanguard 0-3 Month Treasury Bill ETF: 3,553 shares worth $269K.
  • Partners in Financial Planning added most to Vanguard Total Bond Market in Q3 2025, an estimated $4.83M increase.
  • Partners in Financial Planning's biggest Q3 2025 reduction was Vanguard Morningstar Growth ETF, cutting an estimated $1.46M.
  • Partners in Financial Planning fully exited Hess in Q3 2025, selling an estimated $623K.
  • Partners in Financial Planning's ten largest holdings make up 70% of its $578M portfolio in Q3 2025.
  • Partners in Financial Planning opened 9 new positions and closed 1 in Q3 2025.
  • Partners in Financial Planning's portfolio value rose 6.7% quarter-over-quarter to $578M.

Based on Partners in Financial Planning's 13F filing for Q3 2025, filed 10 Nov 2025.