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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 %
98.94%
Top 10 Hldgs %
72.8%
Holding
52
New
52
Increased
Reduced
Closed

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
VOO icon
1
Vanguard S&P 500 ETF
VOO
$1.02T
$25.6M 15.67%
+40,856
New +$25.4M
AVDE icon
2
Avantis International Equity ETF
AVDE
$19.2B
$17.1M 10.45%
+207,659
New +$16.7M
BND icon
3
Vanguard Total Bond Market
BND
$162B
$14.7M 8.99%
+198,406
New +$14.8M
VTV icon
4
Vanguard Morningstar Value ETF
VTV
$194B
$14M 8.55%
+73,188
New +$13.8M
VO icon
5
Vanguard Morningstar Mid-Cap ETF
VO
$109B
$12.1M 7.41%
+167,096
New +$12.2M
FRDM icon
6
Freedom 100 Emerging Markets ETF
FRDM
$3.46B
$9.4M 5.75%
+183,437
New +$8.76M
DGRO icon
7
iShares Core Dividend Growth ETF
DGRO
$43.9B
$7.06M 4.32%
+101,644
New +$6.99M
ESGV icon
8
Vanguard ESG US Stock ETF
ESGV
$13.6B
$6.89M 4.21%
+56,960
New +$6.83M
AVUV icon
9
Avantis US Small Cap Value ETF
AVUV
$31.2B
$6.51M 3.98%
+63,793
New +$6.38M
BOXX icon
10
Alpha Architect 1-3 Month Box ETF
BOXX
$14B
$5.66M 3.46%
+49,163
New +$5.62M
QQQM icon
11
Invesco NASDAQ 100 ETF
QQQM
$103B
$5.11M 3.12%
+20,187
New +$5.1M
TMSL icon
12
T. Rowe Price Small-Mid Cap ETF
TMSL
$2.95B
$4.12M 2.52%
+114,775
New +$4.07M
BIL icon
13
State Street SPDR Bloomberg 1-3 Month T-Bill ETF
BIL
$46.7B
$3.16M 1.93%
+34,564
New +$3.16M
QQQ icon
14
Invesco QQQ Trust
QQQ
$486B
$3.07M 1.88%
+5,004
New +$3.07M
BSV icon
15
Vanguard Short-Term Bond ETF
BSV
$45.7B
$2.58M 1.58%
+32,778
New +$2.59M
VCEB icon
16
Vanguard ESG US Corporate Bond ETF
VCEB
$1.15B
$2.3M 1.41%
+36,197
New +$2.32M
QQMG icon
17
Invesco ESG NASDAQ 100 ETF
QQMG
$200M
$2.24M 1.37%
+52,837
New +$2.24M
ESML icon
18
iShares ESG Aware MSCI USA Small-Cap ETF
ESML
$2.9B
$1.93M 1.18%
+41,950
New +$1.91M
MUB icon
19
iShares National Muni Bond ETF
MUB
$45.6B
$1.86M 1.14%
+17,348
New +$1.86M
QUAL icon
20
iShares MSCI USA Quality Factor ETF
QUAL
$47.9B
$1.2M 0.74%
+6,057
New +$1.19M
BIV icon
21
Vanguard Intermediate-Term Bond ETF
BIV
$28.9B
$1.17M 0.72%
+15,069
New +$1.18M
XMHQ icon
22
Invesco S&P MidCap Quality ETF
XMHQ
$5.63B
$973K 0.6%
+9,504
New +$980K
IVV icon
23
iShares Core S&P 500 ETF
IVV
$894B
$927K 0.57%
+1,353
New +$919K
VB icon
24
Vanguard Morningstar Small-Cap ETF
VB
$81.9B
$889K 0.54%
+3,446
New +$883K
IDMO icon
25
Invesco S&P International Developed Momentum ETF
IDMO
$4.37B
$885K 0.54%
+15,922
New +$865K

Similar funds

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.