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Pearl Planning Portfolio holdings

AUM $217M
This Fund
S&P 500
This Quarter Est. Return
+2.42%
1 Year Est. Return
–
3 Year Est. Return
–
5 Year Est. Return
–
10 Year Est. Return
–
AUM
$164M
AUM Growth
–
Cap. Flow
+$162M
Cap. Flow %
98.94%
Top 10 Hldgs %
72.8%
Holding
52
New
52
Increased
–
Reduced
–
Closed
–

Top Buys

Rank Stock Value
1
VOO icon
Vanguard S&P 500 ETF
VOO
+$25.4M
2
AVDE icon
Avantis International Equity ETF
AVDE
+$16.7M
3
BND icon
Vanguard Total Bond Market
BND
+$14.8M
4
VTV icon
Vanguard Morningstar Value ETF
VTV
+$13.8M
5
VO icon
Vanguard Morningstar Mid-Cap ETF
VO
+$12.2M

Top Sells

No sells this quarter

Sector Composition

Rank Sector Weight
1 Technology 2.11%
2 Communication Services 0.6%
3 Industrials 0.24%
4 Consumer Discretionary 0.16%
5 Financials 0.16%
Name Market Value Portfolio Weight Shares or Principal Change
in Stake 		Capital Flow
IBM icon
26
IBM
IBM
$221B
$882K 0.54%
+2,977
New +$892K
AGG icon
27
iShares Core US Aggregate Bond ETF
AGG
$139B
$759K 0.46%
+7,604
New +$763K
VEA icon
28
Vanguard FTSE Developed Markets ETF
VEA
$240B
$755K 0.46%
+12,078
New +$740K
IJH icon
29
iShares Core S&P Mid-Cap ETF
IJH
$125B
$681K 0.42%
+10,322
New +$676K
IWF icon
30
iShares Russell 1000 Growth ETF
IWF
$125B
$671K 0.41%
+5,672
New +$672K
AAPL icon
31
Apple
AAPL
$4.52T
$666K 0.41%
+2,449
New +$657K
AVSC icon
32
Avantis US Small Cap Equity ETF
AVSC
$3.18B
$641K 0.39%
+10,918
New +$633K
ORCL icon
33
Oracle
ORCL
$417B
$596K 0.36%
+3,056
New +$728K
META icon
34
Meta Platforms (Facebook)
META
$1.45T
$545K 0.33%
+826
New +$552K
MSFT icon
35
Microsoft
MSFT
$3.65T
$538K 0.33%
+1,112
New +$557K
IEFA icon
36
iShares Core MSCI EAFE ETF
IEFA
$196B
$500K 0.31%
+5,587
New +$494K
ILCV icon
37
iShares Morningstar Value ETF
ILCV
$1.36B
$498K 0.3%
+5,279
New +$488K
RSG icon
38
Republic Services
RSG
$67.7B
$396K 0.24%
+1,869
New +$402K
VOTE icon
39
TCW Transform 500 ETF
VOTE
$1.13B
$382K 0.23%
+4,761
New +$379K
ISTB icon
40
iShares Core 1-5 Year USD Bond ETF
ISTB
$5.09B
$336K 0.21%
+6,883
New +$336K
XLK icon
41
State Street Technology Select Sector SPDR ETF
XLK
$119B
$321K 0.2%
+2,232
New +$322K
VBR icon
42
Vanguard Morningstar Small-Cap Value ETF
VBR
$37.8B
$316K 0.19%
+1,490
New +$312K
NVDA icon
43
NVIDIA
NVDA
$5.16T
$311K 0.19%
+1,665
New +$310K
FEOE
44
First Eagle Overseas Equity ETF
FEOE
$1.8B
$305K 0.19%
+6,306
New +$298K
VTI icon
45
Vanguard Morningstar Total Stock Market ETF
VTI
$685B
$278K 0.17%
+828
New +$275K
AMZN icon
46
Amazon
AMZN
$2.82T
$268K 0.16%
+1,161
New +$266K
JPM icon
47
JPMorgan Chase
JPM
$948B
$261K 0.16%
+809
New +$250K
ESGU icon
48
iShares ESG Aware MSCI USA ETF
ESGU
$18.2B
$258K 0.16%
+1,732
New +$256K
GOOGL icon
49
Alphabet (Google) Class A
GOOGL
$4.24T
$233K 0.14%
+745
New +$213K
TXN icon
50
Texas Instruments
TXN
$237B
$230K 0.14%
+1,326
New +$227K
1
2
3

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RFM
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Pearl Planning's Q4 2025 Portfolio in Review

Q4 2025 is the first quarter with a 13F filing on record for Pearl Planning, which disclosed 52 positions worth $164M. Its ten largest holdings account for 73% of the portfolio.

Its largest position is Vanguard S&P 500 ETF: 40,856 shares worth $25.6M.

By sector, the portfolio is most concentrated in Technology at 2.1% of assets, followed by Communication Services and Industrials.

  • Pearl Planning's largest Q4 2025 buy was Vanguard S&P 500 ETF: 40,856 shares worth $25.6M.
  • Pearl Planning's ten largest holdings make up 73% of its $164M portfolio in Q4 2025.
  • Pearl Planning disclosed 52 positions in Q4 2025, its first 13F filing on record.

Based on Pearl Planning's 13F filing for Q4 2025, filed 3 Feb 2026.