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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
+6.86%
1 Year Est. Return
+19.27%
3 Year Est. Return
+46.75%
5 Year Est. Return
+48.15%
10 Year Est. Return
–
AUM
$317M
AUM Growth
+$17.8M
Cap. Flow
-$2.9M
Cap. Flow %
-0.91%
Top 10 Hldgs %
46.61%
Holding
118
New
2
Increased
37
Reduced
56
Closed
2

Top Buys

Rank Stock Value
1
VCSH icon
Vanguard Short-Term Corporate Bond ETF
VCSH
+$476K
2
BIV icon
Vanguard Intermediate-Term Bond ETF
BIV
+$331K
3
CSRE
Cohen & Steers Real Estate Active ETF
CSRE
+$310K
4
BSV icon
Vanguard Short-Term Bond ETF
BSV
+$288K
5
DFIP icon
Dimensional Inflation-Protected Securities ETF
DFIP
+$276K

Top Sells

Rank Stock Value
1
RTX icon
RTX Corp
RTX
+$1.15M
2
IVW icon
iShares S&P 500 Growth ETF
IVW
+$856K
3
IAU icon
iShares Gold Trust
IAU
+$413K
4
JNJ icon
Johnson & Johnson
JNJ
+$339K
5
RCL icon
Royal Caribbean
RCL
+$282K

Sector Composition

Rank Sector Weight
1 Technology 2.22%
2 Financials 1.07%
3 Healthcare 1.05%
4 Industrials 0.99%
5 Communication Services 0.67%
Name Market Value Portfolio Weight Shares or Principal Change
in Stake 		Capital Flow
SIGI icon
51
Selective Insurance
SIGI
$5.74B
$926K 0.29%
11,418
– –
DFLV icon
52
Dimensional US Large Cap Value ETF
DFLV
$6.87B
$882K 0.28%
26,816
-4,528
-14% -$145K
RTX icon
53
RTX Corp
RTX
$298B
$877K 0.28%
5,242
-7,415
-59% -$1.15M
VUG icon
54
Vanguard Morningstar Growth ETF
VUG
$229B
$830K 0.26%
10,392
-366
-3% -$28K
O icon
55
Realty Income
O
$58.4B
$778K 0.25%
12,791
+16
+0.1% +$932
DFUS
56
Dimensional US Equity ETF
DFUS
$21.5B
$771K 0.24%
10,645
-53
-0.5% -$3.69K
META icon
57
Meta Platforms (Facebook)
META
$1.5T
$748K 0.24%
1,018
-34
-3% -$25.3K
PJAN icon
58
Innovator US Equity Power Buffer ETF January
PJAN
$1.45B
$722K 0.23%
15,757
-503
-3% -$22.6K
IBM icon
59
IBM
IBM
$220B
$681K 0.21%
2,415
-68
-3% -$17.8K
MMM icon
60
3M
MMM
$92.9B
$678K 0.21%
4,367
– –
GOOGL icon
61
Alphabet (Google) Class A
GOOGL
$4.4T
$669K 0.21%
2,751
-23
-0.8% -$4.82K
VIG icon
62
Vanguard Dividend Appreciation ETF
VIG
$114B
$639K 0.2%
2,963
-153
-5% -$32.1K
JPM icon
63
JPMorgan Chase
JPM
$947B
$626K 0.2%
1,986
-32
-2% -$9.52K
PRFZ icon
64
Invesco FTSE RAFI US 1500 Small-Mid ETF
PRFZ
$2.86B
$605K 0.19%
13,310
-607
-4% -$26.3K
LLY icon
65
Eli Lilly
LLY
$1.05T
$598K 0.19%
784
– –
RSP icon
66
Invesco S&P 500 Equal Weight ETF
RSP
$98.9B
$588K 0.19%
3,099
-27
-0.9% -$5.03K
VO icon
67
Vanguard Morningstar Mid-Cap ETF
VO
$108B
$550K 0.17%
7,488
-136
-2% -$9.77K
MDYV icon
68
State Street SPDR S&P 400 Mid Cap Value ETF
MDYV
$2.82B
$544K 0.17%
6,521
+2
+0% +$165
BND icon
69
Vanguard Total Bond Market
BND
$157B
$542K 0.17%
7,294
-590
-7% -$43.4K
COST icon
70
Costco
COST
$420B
$540K 0.17%
583
-129
-18% -$124K
AMZN icon
71
Amazon
AMZN
$2.95T
$539K 0.17%
2,457
+50
+2% +$11.3K
SCHE icon
72
Schwab Emerging Markets Equity ETF
SCHE
$12.8B
$522K 0.16%
15,650
-558
-3% -$17.6K
PFS icon
73
Provident Financial Services
PFS
$3.26B
$502K 0.16%
26,039
-505
-2% -$9.63K
PEP icon
74
PepsiCo
PEP
$188B
$445K 0.14%
3,172
+2
+0.1% +$286
PG icon
75
Procter & Gamble
PG
$341B
$441K 0.14%
2,872
– –
1 2
3
4 5

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SIC
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SC
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SG
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BCM
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CWM
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Sterling Financial Planning's Q3 2025 Portfolio in Review

As of Q3 2025, Sterling Financial Planning held 118 positions worth $317M, up 5.9% from $299M the previous quarter. Its ten largest holdings account for 47% of the portfolio.

Trading was light in Q3 2025: portfolio turnover was 3.4%. Sterling Financial Planning opened 2 new positions and exited 2, leaving the 118-position portfolio largely intact.

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

  • Sterling Financial Planning's largest Q3 2025 buy was Cohen & Steers Real Estate Active ETF: 11,957 shares worth $311K.
  • Sterling Financial Planning added most to Vanguard Short-Term Corporate Bond ETF in Q3 2025, an estimated $476K increase.
  • Sterling Financial Planning's biggest Q3 2025 reduction was RTX Corp, cutting an estimated $1.15M.
  • Sterling Financial Planning fully exited Royal Caribbean in Q3 2025, selling an estimated $282K.
  • Sterling Financial Planning's ten largest holdings make up 47% of its $317M portfolio in Q3 2025.
  • Sterling Financial Planning opened 2 new positions and closed 2 in Q3 2025.
  • Sterling Financial Planning's portfolio value rose 5.9% quarter-over-quarter to $317M.

Based on Sterling Financial Planning's 13F filing for Q3 2025, filed 24 Oct 2025.