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PP
Pearl Planning Portfolio holdings
AUM
$241M
Turnover
14.06%
1-Year Est. Return
12.56%
This Fund
S&P 500
This Quarter
Est. Return
+2.42%
1 Year Est. Return
+12.56%
3 Year Est. Return
–
5 Year Est. Return
–
10 Year Est. Return
–
AUM
$164M
AUM Growth
–
Cap. Flow
+$162M
Cap. Flow
% of AUM
98.94%
Top 10 Holdings %
Top 10 Hldgs %
72.8%
Holding
52
New
52
Increased
–
Reduced
–
Closed
–
Avg Time Held
0
years
Top 10 Avg Time Held
0
years
Top 20 Avg Time Held
0
years
Top Buys
| Rank | Stock | Value |
|---|---|---|
| 1 |
Vanguard S&P 500 ETF
VOO
|
+$25.4M |
| 2 |
Avantis International Equity ETF
AVDE
|
+$16.7M |
| 3 |
Vanguard Total Bond Market
BND
|
+$14.8M |
| 4 |
Vanguard Morningstar Value ETF
VTV
|
+$13.8M |
| 5 |
Vanguard Morningstar Mid-Cap ETF
VO
|
+$12.2M |
Top Sells
No sells this quarter
Sector Composition
| Rank | Sector | Weight |
|---|---|---|
| 1 | Miscellaneous | 96.72% |
| 2 | Technology | 2.11% |
| 3 | Communication Services | 0.6% |
| 4 | Industrials | 0.24% |
| 5 | Consumer Discretionary | 0.16% |
| Name | Market Value | Portfolio Weight | Shares or Principal |
Change in Stake | Capital Flow | Held Since | |
|---|---|---|---|---|---|---|---|
26
IBM
IBM
$221B
| $882K | 0.54% |
+2,977
| New | +$892K |
2025 Q4
0 quarters
|
|
27
iShares Core US Aggregate Bond ETF
AGG
$138B
| $759K | 0.46% |
+7,604
| New | +$763K |
2025 Q4
0 quarters
|
|
28
Vanguard FTSE Developed Markets ETF
VEA
$228B
| $755K | 0.46% |
+12,078
| New | +$740K |
2025 Q4
0 quarters
|
|
29
iShares Core S&P Mid-Cap ETF
IJH
$123B
| $681K | 0.42% |
+10,322
| New | +$676K |
2025 Q4
0 quarters
|
|
30
iShares Russell 1000 Growth ETF
IWF
$127B
| $671K | 0.41% |
+5,672
| New | +$672K |
2025 Q4
0 quarters
|
|
31
Apple
AAPL
$4.99T
| $666K | 0.41% |
+2,449
| New | +$657K |
2025 Q4
0 quarters
|
|
32
Avantis US Small Cap Equity ETF
AVSC
$3.05B
| $641K | 0.39% |
+10,918
| New | +$633K |
2025 Q4
0 quarters
|
|
33
Oracle
ORCL
$408B
| $596K | 0.36% |
+3,056
| New | +$728K |
2025 Q4
0 quarters
|
|
34
Meta Platforms (Facebook)
META
$1.88T
| $545K | 0.33% |
+826
| New | +$552K |
2025 Q4
0 quarters
|
|
35
Microsoft
MSFT
$4.01T
| $538K | 0.33% |
+1,112
| New | +$557K |
2025 Q4
0 quarters
|
|
36
iShares Core MSCI EAFE ETF
IEFA
$190B
| $500K | 0.31% |
+5,587
| New | +$494K |
2025 Q4
0 quarters
|
|
37
iShares Morningstar Value ETF
ILCV
$1.38B
| $498K | 0.3% |
+5,279
| New | +$488K |
2025 Q4
0 quarters
|
|
38
Republic Services
RSG
$70.3B
| $396K | 0.24% |
+1,869
| New | +$402K |
2025 Q4
0 quarters
|
|
39
TCW Transform 500 ETF
VOTE
$1.14B
| $382K | 0.23% |
+4,761
| New | +$379K |
2025 Q4
0 quarters
|
|
40
iShares Core 1-5 Year USD Bond ETF
ISTB
$5.26B
| $336K | 0.21% |
+6,883
| New | +$336K |
2025 Q4
0 quarters
|
|
41
State Street Technology Select Sector SPDR ETF
XLK
$125B
| $321K | 0.2% |
+2,232
| New | +$322K |
2025 Q4
0 quarters
|
|
42
Vanguard Morningstar Small-Cap Value ETF
VBR
$36.1B
| $316K | 0.19% |
+1,490
| New | +$312K |
2025 Q4
0 quarters
|
|
43
NVIDIA
NVDA
$5.25T
| $311K | 0.19% |
+1,665
| New | +$310K |
2025 Q4
0 quarters
|
|
44
First Eagle Overseas Equity ETF
FEOE
$2B
| $305K | 0.19% |
+6,306
| New | +$298K |
2025 Q4
0 quarters
|
|
45
Vanguard Morningstar Total Stock Market ETF
VTI
$697B
| $278K | 0.17% |
+828
| New | +$275K |
2025 Q4
0 quarters
|
|
46
Amazon
AMZN
$2.75T
| $268K | 0.16% |
+1,161
| New | +$266K |
2025 Q4
0 quarters
|
|
47
JPMorgan Chase
JPM
$891B
| $261K | 0.16% |
+809
| New | +$250K |
2025 Q4
0 quarters
|
|
48
iShares ESG Aware MSCI USA ETF
ESGU
$18.1B
| $258K | 0.16% |
+1,732
| New | +$256K |
2025 Q4
0 quarters
|
|
49
Alphabet (Google) Class A
GOOGL
$4.27T
| $233K | 0.14% |
+745
| New | +$213K |
2025 Q4
0 quarters
|
|
50
Texas Instruments
TXN
$255B
| $230K | 0.14% |
+1,326
| New | +$227K |
2025 Q4
0 quarters
|
|
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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 Miscellaneous at 97% of assets, followed by Technology and Communication Services.
- 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.