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Pearl Planning Portfolio holdings

AUM $217M
This Fund
S&P 500
This Quarter Est. Return
-0.45%
1 Year Est. Return
–
3 Year Est. Return
–
5 Year Est. Return
–
10 Year Est. Return
–
AUM
$187M
AUM Growth
+$23.6M
Cap. Flow
+$24.9M
Cap. Flow %
13.33%
Top 10 Hldgs %
72.48%
Holding
54
New
2
Increased
18
Reduced
20
Closed
2
Avg Time Held
1 quarter
Top 10 Avg Time Held
0.8 quarters
Top 20 Avg Time Held
0.9 quarters

Top Buys

Rank Stock Value
1
JPIE icon
JPMorgan Income ETF
JPIE
+$16.6M
2
FBND icon
Fidelity Total Bond ETF
FBND
+$16.2M
3
AVDE icon
Avantis International Equity ETF
AVDE
+$2.04M
4
VOO icon
Vanguard S&P 500 ETF
VOO
+$1.17M
5
VO icon
Vanguard Morningstar Mid-Cap ETF
VO
+$707K

Top Sells

Rank Stock Value
1
BND icon
Vanguard Total Bond Market
BND
+$12.7M
2
FRDM icon
Freedom 100 Emerging Markets ETF
FRDM
+$411K
3
XMHQ icon
Invesco S&P MidCap Quality ETF
XMHQ
+$289K
4
TXN icon
Texas Instruments
TXN
+$230K
5
GOOG icon
Alphabet (Google) Class C
GOOG
+$206K

Sector Composition

Rank Sector Weight
1 Miscellaneous 97.79%
2 Technology 1.41%
3 Communication Services 0.34%
4 Industrials 0.22%
5 Financials 0.13%
Name Market Value Portfolio Weight Shares or Principal Change
in Stake 		Capital Flow Held Since
VOO icon
1
Vanguard S&P 500 ETF
VOO
$1.06T
$25.5M 13.64%
42,723
+1,867
+5% +$1.17M
2025 Q4
1 quarter
AVDE icon
2
Avantis International Equity ETF
AVDE
$19B
$19.6M 10.48%
231,116
+23,457
+11% +$2.04M
2025 Q4
1 quarter
JPIE icon
3
JPMorgan Income ETF
JPIE
$10.9B
$16.5M 8.82%
+358,146
New +$16.6M
2026 Q1
0 quarters
FBND icon
4
Fidelity Total Bond ETF
FBND
$28B
$16M 8.56%
+351,175
New +$16.2M
2026 Q1
0 quarters
VTV icon
5
Vanguard Morningstar Value ETF
VTV
$189B
$14.4M 7.68%
73,197
+9
+0% +$1.8K
2025 Q4
1 quarter
VO icon
6
Vanguard Morningstar Mid-Cap ETF
VO
$106B
$12.7M 6.78%
176,612
+9,516
+6% +$707K
2025 Q4
1 quarter
FRDM icon
7
Freedom 100 Emerging Markets ETF
FRDM
$3.5B
$9.63M 5.15%
176,261
-7,176
-4% -$411K
2025 Q4
1 quarter
DGRO icon
8
iShares Core Dividend Growth ETF
DGRO
$43B
$7.48M 4%
106,525
+4,881
+5% +$350K
2025 Q4
1 quarter
AVUV icon
9
Avantis US Small Cap Value ETF
AVUV
$30.9B
$7.22M 3.86%
65,339
+1,546
+2% +$170K
2025 Q4
1 quarter
ESGV icon
10
Vanguard ESG US Stock ETF
ESGV
$13.7B
$6.58M 3.52%
58,628
+1,668
+3% +$198K
2025 Q4
1 quarter
BOXX icon
11
Alpha Architect 1-3 Month Box ETF
BOXX
$14.6B
$5.82M 3.11%
50,006
+843
+2% +$97.5K
2025 Q4
1 quarter
QQQM icon
12
Invesco NASDAQ 100 ETF
QQQM
$112B
$5.01M 2.68%
21,086
+899
+4% +$225K
2025 Q4
1 quarter
TMSL icon
13
T. Rowe Price Small-Mid Cap ETF
TMSL
$3.03B
$4.4M 2.35%
120,078
+5,303
+5% +$201K
2025 Q4
1 quarter
BSV icon
14
Vanguard Short-Term Bond ETF
BSV
$46B
$3.1M 1.66%
39,551
+6,773
+21% +$533K
2025 Q4
1 quarter
BIL icon
15
State Street SPDR Bloomberg 1-3 Month T-Bill ETF
BIL
$49.9B
$3.09M 1.65%
33,709
-855
-2% -$78.2K
2025 Q4
1 quarter
QQQ icon
16
Invesco QQQ Trust
QQQ
$507B
$2.88M 1.54%
4,990
-14
-0.3% -$8.51K
2025 Q4
1 quarter
VCEB icon
17
Vanguard ESG US Corporate Bond ETF
VCEB
$1.17B
$2.61M 1.39%
41,504
+5,307
+15% +$337K
2025 Q4
1 quarter
QQMG icon
18
Invesco ESG NASDAQ 100 ETF
QQMG
$220M
$2.25M 1.2%
56,942
+4,105
+8% +$171K
2025 Q4
1 quarter
BND icon
19
Vanguard Total Bond Market
BND
$159B
$2.04M 1.09%
27,663
-170,743
-86% -$12.7M
2025 Q4
1 quarter
ESML icon
20
iShares ESG Aware MSCI USA Small-Cap ETF
ESML
$2.76B
$2.04M 1.09%
43,298
+1,348
+3% +$65.4K
2025 Q4
1 quarter
MUB icon
21
iShares National Muni Bond ETF
MUB
$47.4B
$1.82M 0.97%
17,134
-214
-1% -$23K
2025 Q4
1 quarter
BIV icon
22
Vanguard Intermediate-Term Bond ETF
BIV
$28.1B
$1.16M 0.62%
15,069
– –
2025 Q4
1 quarter
QUAL icon
23
iShares MSCI USA Quality Factor ETF
QUAL
$48.8B
$1.09M 0.58%
5,678
-379
-6% -$76K
2025 Q4
1 quarter
IDMO icon
24
Invesco S&P International Developed Momentum ETF
IDMO
$4.24B
$922K 0.49%
16,808
+886
+6% +$50.7K
2025 Q4
1 quarter
VB icon
25
Vanguard Morningstar Small-Cap ETF
VB
$78.1B
$902K 0.48%
3,442
-4
-0.1% -$1.08K
2025 Q4
1 quarter
1
2 3

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WWM
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CWM
Carolina Wealth Management Greenville, North Carolina $217M AUM
CA
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RFM
RPD Fund Management New York $218M AUM 48.33% 1-Year Est. Return
ECM
English Capital Management Bloomfield Hills, Michigan $217M AUM 37.8% 1-Year Est. Return
TCM
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Pearl Planning's Q1 2026 Portfolio in Review

As of Q1 2026, Pearl Planning held 54 positions worth $187M, up 14% from $164M the previous quarter. Its ten largest holdings account for 72% of the portfolio.

Pearl Planning deployed $24.9M of net new capital in Q1 2026, opening 2 new positions and adding to 18 existing holdings. Its largest new stake was JPMorgan Income ETF: 358,146 shares worth $16.5M.

By sector, the portfolio is most concentrated in Miscellaneous at 98% of assets, up from 97% a quarter earlier, followed by Technology and Communication Services.

On the sell side, the largest reduction was Vanguard Total Bond Market, an estimated $12.7M trimmed.

  • Pearl Planning's largest Q1 2026 buy was JPMorgan Income ETF: 358,146 shares worth $16.5M.
  • Pearl Planning added most to Avantis International Equity ETF in Q1 2026, an estimated $2.04M increase.
  • Pearl Planning's biggest Q1 2026 reduction was Vanguard Total Bond Market, cutting an estimated $12.7M.
  • Pearl Planning fully exited Texas Instruments in Q1 2026, selling an estimated $230K.
  • Pearl Planning's ten largest holdings make up 72% of its $187M portfolio in Q1 2026.
  • Pearl Planning opened 2 new positions and closed 2 in Q1 2026.
  • Pearl Planning's portfolio value rose 14% quarter-over-quarter to $187M.

Based on Pearl Planning's 13F filing for Q1 2026, filed 30 Apr 2026.