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PP
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
% of AUM
98.94%
Top 10 Holdings %
Top 10 Hldgs %
72.8%
Holding
52
New
52
Increased
–
Reduced
–
Closed
–
Avg Time Held
0
quarters
Top 10 Avg Time Held
0
quarters
Top 20 Avg Time Held
0
quarters
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 | |
|---|---|---|---|---|---|---|---|
|
1
Vanguard S&P 500 ETF
VOO
$1.06T
| $25.6M | 15.67% |
+40,856
| New | +$25.4M |
2025 Q4
0 quarters
|
|
|
2
Avantis International Equity ETF
AVDE
$19B
| $17.1M | 10.45% |
+207,659
| New | +$16.7M |
2025 Q4
0 quarters
|
|
|
3
Vanguard Total Bond Market
BND
$159B
| $14.7M | 8.99% |
+198,406
| New | +$14.8M |
2025 Q4
0 quarters
|
|
|
4
Vanguard Morningstar Value ETF
VTV
$189B
| $14M | 8.55% |
+73,188
| New | +$13.8M |
2025 Q4
0 quarters
|
|
|
5
Vanguard Morningstar Mid-Cap ETF
VO
$106B
| $12.1M | 7.41% |
+167,096
| New | +$12.2M |
2025 Q4
0 quarters
|
|
6
Freedom 100 Emerging Markets ETF
FRDM
$3.5B
| $9.4M | 5.75% |
+183,437
| New | +$8.76M |
2025 Q4
0 quarters
|
|
7
iShares Core Dividend Growth ETF
DGRO
$43B
| $7.06M | 4.32% |
+101,644
| New | +$6.99M |
2025 Q4
0 quarters
|
|
8
Vanguard ESG US Stock ETF
ESGV
$13.7B
| $6.89M | 4.21% |
+56,960
| New | +$6.83M |
2025 Q4
0 quarters
|
|
9
Avantis US Small Cap Value ETF
AVUV
$30.9B
| $6.51M | 3.98% |
+63,793
| New | +$6.38M |
2025 Q4
0 quarters
|
|
10
Alpha Architect 1-3 Month Box ETF
BOXX
$14.6B
| $5.66M | 3.46% |
+49,163
| New | +$5.62M |
2025 Q4
0 quarters
|
|
11
Invesco NASDAQ 100 ETF
QQQM
$112B
| $5.11M | 3.12% |
+20,187
| New | +$5.1M |
2025 Q4
0 quarters
|
|
12
T. Rowe Price Small-Mid Cap ETF
TMSL
$3.03B
| $4.12M | 2.52% |
+114,775
| New | +$4.07M |
2025 Q4
0 quarters
|
|
13
State Street SPDR Bloomberg 1-3 Month T-Bill ETF
BIL
$49.9B
| $3.16M | 1.93% |
+34,564
| New | +$3.16M |
2025 Q4
0 quarters
|
|
14
Invesco QQQ Trust
QQQ
$507B
| $3.07M | 1.88% |
+5,004
| New | +$3.07M |
2025 Q4
0 quarters
|
|
15
Vanguard Short-Term Bond ETF
BSV
$46B
| $2.58M | 1.58% |
+32,778
| New | +$2.59M |
2025 Q4
0 quarters
|
|
16
Vanguard ESG US Corporate Bond ETF
VCEB
$1.17B
| $2.3M | 1.41% |
+36,197
| New | +$2.32M |
2025 Q4
0 quarters
|
|
17
Invesco ESG NASDAQ 100 ETF
QQMG
$220M
| $2.24M | 1.37% |
+52,837
| New | +$2.24M |
2025 Q4
0 quarters
|
|
18
iShares ESG Aware MSCI USA Small-Cap ETF
ESML
$2.76B
| $1.93M | 1.18% |
+41,950
| New | +$1.91M |
2025 Q4
0 quarters
|
|
19
iShares National Muni Bond ETF
MUB
$47.4B
| $1.86M | 1.14% |
+17,348
| New | +$1.86M |
2025 Q4
0 quarters
|
|
20
iShares MSCI USA Quality Factor ETF
QUAL
$48.8B
| $1.2M | 0.74% |
+6,057
| New | +$1.19M |
2025 Q4
0 quarters
|
|
21
Vanguard Intermediate-Term Bond ETF
BIV
$28.1B
| $1.17M | 0.72% |
+15,069
| New | +$1.18M |
2025 Q4
0 quarters
|
|
22
Invesco S&P MidCap Quality ETF
XMHQ
$5.47B
| $973K | 0.6% |
+9,504
| New | +$980K |
2025 Q4
0 quarters
|
|
23
iShares Core S&P 500 ETF
IVV
$899B
| $927K | 0.57% |
+1,353
| New | +$919K |
2025 Q4
0 quarters
|
|
24
Vanguard Morningstar Small-Cap ETF
VB
$78.1B
| $889K | 0.54% |
+3,446
| New | +$883K |
2025 Q4
0 quarters
|
|
25
Invesco S&P International Developed Momentum ETF
IDMO
$4.24B
| $885K | 0.54% |
+15,922
| New | +$865K |
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.