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SFP

Sterling Financial Planning Portfolio holdings

AUM $337M
1-Year Est. Return 19.27%
This Fund
S&P 500
This Quarter Est. Return
+2.85%
1 Year Est. Return
+19.27%
3 Year Est. Return
+46.75%
5 Year Est. Return
+48.15%
10 Year Est. Return
–
AUM
$332M
AUM Growth
+$14.7M
Cap. Flow
+$6.07M
Cap. Flow %
1.83%
Top 10 Hldgs %
46.84%
Holding
121
New
5
Increased
51
Reduced
43
Closed
1

Top Buys

Rank Stock Value
1
BIV icon
Vanguard Intermediate-Term Bond ETF
BIV
+$1.56M
2
IJJ icon
iShares S&P Mid-Cap 400 Value ETF
IJJ
+$665K
3
IJT icon
iShares S&P Small-Cap 600 Growth ETF
IJT
+$661K
4
DFIP icon
Dimensional Inflation-Protected Securities ETF
DFIP
+$653K
5
VTEB icon
Vanguard Tax-Exempt Bond Index Fund
VTEB
+$477K

Top Sells

Rank Stock Value
1
IAU icon
iShares Gold Trust
IAU
+$1.21M
2
ORCL icon
Oracle
ORCL
+$280K
3
IVW icon
iShares S&P 500 Growth ETF
IVW
+$274K
4
GLD icon
SPDR Gold Trust
GLD
+$268K
5
IBM icon
IBM
IBM
+$224K

Sector Composition

Rank Sector Weight
1 Technology 2.19%
2 Healthcare 1.14%
3 Financials 1.04%
4 Industrials 1.03%
5 Communication Services 0.7%
Name Market Value Portfolio Weight Shares or Principal Change
in Stake 		Capital Flow
VTEB icon
26
Vanguard Tax-Exempt Bond Index Fund
VTEB
$45.2B
$3.73M 1.12%
74,097
+9,473
+15% +$477K
VCSH icon
27
Vanguard Short-Term Corporate Bond ETF
VCSH
$44.7B
$3.71M 1.12%
46,528
+4,723
+11% +$377K
VOE icon
28
Vanguard Morningstar Mid-Cap Value ETF
VOE
$24B
$3.68M 1.11%
20,744
+189
+0.9% +$33.1K
VTES icon
29
Vanguard Short-Term Tax-Exempt Bond ETF
VTES
$2.08B
$3.23M 0.97%
31,810
+1,666
+6% +$169K
IDV icon
30
iShares International Select Dividend ETF
IDV
$8.48B
$3.19M 0.96%
80,816
-1,718
-2% -$65.1K
VOT icon
31
Vanguard Morningstar Mid-Cap Growth ETF
VOT
$20B
$3.15M 0.95%
11,295
+573
+5% +$164K
VNQ icon
32
Vanguard Real Estate ETF
VNQ
$39.2B
$2.77M 0.84%
31,331
+339
+1% +$30.5K
FNDC icon
33
Schwab Fundamental International Small Company Index ETF
FNDC
$3.12B
$2.56M 0.77%
57,428
-338
-0.6% -$15K
VTIP icon
34
Vanguard Short-Term Inflation-Protected Securities Index Fund
VTIP
$19.1B
$2.51M 0.76%
50,818
+4,586
+10% +$229K
BNDX icon
35
Vanguard Total International Bond ETF
BNDX
$82.3B
$2.51M 0.76%
51,946
+4,734
+10% +$234K
VBK icon
36
Vanguard Morningstar Small-Cap Growth ETF
VBK
$24.1B
$2.5M 0.75%
8,259
+95
+1% +$28.7K
VBR icon
37
Vanguard Morningstar Small-Cap Value ETF
VBR
$38.1B
$2.43M 0.73%
11,462
-2
-0% -$419
DGS icon
38
WisdomTree Emerging Markets SmallCap Dividend Fund
DGS
$1.75B
$2.28M 0.69%
39,885
+10
+0% +$569
JNJ icon
39
Johnson & Johnson
JNJ
$614B
$2.12M 0.64%
10,268
-47
-0.5% -$9.29K
VEA icon
40
Vanguard FTSE Developed Markets ETF
VEA
$234B
$1.85M 0.56%
29,562
-460
-2% -$28.2K
SPY icon
41
State Street SPDR S&P 500 ETF Trust
SPY
$821B
$1.79M 0.54%
2,629
+116
+5% +$78.4K
MUB icon
42
iShares National Muni Bond ETF
MUB
$45.4B
$1.75M 0.53%
16,354
-148
-0.9% -$15.8K
MSFT icon
43
Microsoft
MSFT
$3.66T
$1.64M 0.5%
3,400
-14
-0.4% -$7.02K
TIP icon
44
iShares TIPS Bond ETF
TIP
$14.5B
$1.63M 0.49%
14,867
+463
+3% +$51.4K
XOM icon
45
ExxonMobil
XOM
$638B
$1.57M 0.47%
13,010
-60
-0.5% -$6.96K
PRF icon
46
Invesco FTSE RAFI US 1000 ETF
PRF
$10B
$1.43M 0.43%
30,472
-2,164
-7% -$99.7K
SCZ icon
47
iShares MSCI EAFE Small-Cap ETF
SCZ
$13.5B
$1.37M 0.41%
17,663
-474
-3% -$36.3K
IJR icon
48
iShares Core S&P Small-Cap ETF
IJR
$113B
$1.35M 0.41%
11,232
-54
-0.5% -$6.46K
BRK.B icon
49
Berkshire Hathaway Class B
BRK.B
$1.12T
$1.15M 0.35%
2,282
– –
DFAR icon
50
Dimensional US Real Estate ETF
DFAR
$1.78B
$1.09M 0.33%
47,726
+1,229
+3% +$28.8K
1
2
3 4 5

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WIM
WIM Investment Management Hong Kong $337M AUM 34.18% 1-Year Est. Return
NL
NKCFO LLC Geneva, Illinois $337M AUM 58.12% 1-Year Est. Return
FIM
Freedom Investment Management Hartford, Connecticut $337M AUM 22.95% 1-Year Est. Return
SIC
Shoker Investment Counsel Oxford, Ohio $337M AUM 24.9% 1-Year Est. Return
SC
Schiavi & Co Wilmington, Delaware $337M AUM 16.69% 1-Year Est. Return
SG
Standard General New York $336M AUM 16.52% 1-Year Est. Return
BCM
Brightline Capital Management Miami, Florida $338M AUM 197.95% 1-Year Est. Return
LFP
Leeward Financial Partners Bellevue, Washington $336M AUM 20.94% 1-Year Est. Return

Sterling Financial Planning's Q4 2025 Portfolio in Review

As of Q4 2025, Sterling Financial Planning held 121 positions worth $332M, up 4.6% from $317M the previous quarter. Its ten largest holdings account for 47% of the portfolio.

Trading was light in Q4 2025: portfolio turnover was 5%. Sterling Financial Planning opened 5 new positions and exited 1, leaving the 121-position portfolio largely intact.

By sector, the portfolio is most concentrated in Technology at 2.2% of assets, down from 2.2% a quarter earlier, followed by Healthcare and Financials.

  • Sterling Financial Planning's largest Q4 2025 buy was Lam Research: 1,435 shares worth $246K.
  • Sterling Financial Planning added most to Vanguard Intermediate-Term Bond ETF in Q4 2025, an estimated $1.56M increase.
  • Sterling Financial Planning's biggest Q4 2025 reduction was iShares Gold Trust, cutting an estimated $1.21M.
  • Sterling Financial Planning fully exited Oracle in Q4 2025, selling an estimated $280K.
  • Sterling Financial Planning's ten largest holdings make up 47% of its $332M portfolio in Q4 2025.
  • Sterling Financial Planning opened 5 new positions and closed 1 in Q4 2025.
  • Sterling Financial Planning's portfolio value rose 4.6% quarter-over-quarter to $332M.

Based on Sterling Financial Planning's 13F filing for Q4 2025, filed 27 Jan 2026.