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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
IAU icon
1
iShares Gold Trust
IAU
$62.4B
$20.9M 6.31%
257,929
-15,430
-6% -$1.21M
IJJ icon
2
iShares S&P Mid-Cap 400 Value ETF
IJJ
$8.82B
$20.1M 6.07%
152,975
+5,107
+3% +$665K
IJT icon
3
iShares S&P Small-Cap 600 Growth ETF
IJT
$8.23B
$18.2M 5.48%
128,848
+4,670
+4% +$661K
IVW icon
4
iShares S&P 500 Growth ETF
IVW
$73.1B
$18M 5.42%
145,862
-2,237
-2% -$274K
IJK icon
5
iShares S&P Mid-Cap 400 Growth ETF
IJK
$10.8B
$17.8M 5.37%
183,811
+3,598
+2% +$346K
DFIV icon
6
Dimensional International Value ETF
DFIV
$20.6B
$15.9M 4.8%
318,899
+2,209
+0.7% +$105K
FNDX icon
7
Schwab Fundamental US Large Company Index ETF
FNDX
$26.3B
$11.8M 3.55%
432,500
+8,507
+2% +$228K
VYM icon
8
Vanguard High Dividend Yield ETF
VYM
$80B
$11.3M 3.42%
79,046
+2,300
+3% +$327K
DISV icon
9
Dimensional International Small Cap Value ETF
DISV
$4.78B
$11.3M 3.4%
296,858
+1,923
+0.7% +$69.7K
BIV icon
10
Vanguard Intermediate-Term Bond ETF
BIV
$29.1B
$10.1M 3.04%
129,501
+19,945
+18% +$1.56M
DFSV
11
Dimensional US Small Cap Value ETF
DFSV
$8.11B
$9.43M 2.84%
286,687
+6,514
+2% +$210K
IJS icon
12
iShares S&P Small-Cap 600 Value ETF
IJS
$8.15B
$8.99M 2.71%
79,066
-177
-0.2% -$19.8K
XBJA icon
13
Innovator US Equity Accelerated 9 Buffer ETF January
XBJA
$88.1M
$8.79M 2.65%
274,850
+7,575
+3% +$239K
IVV icon
14
iShares Core S&P 500 ETF
IVV
$881B
$8.56M 2.58%
12,501
-119
-0.9% -$80.8K
DFIP icon
15
Dimensional Inflation-Protected Securities ETF
DFIP
$1.12B
$6.43M 1.94%
154,691
+15,528
+11% +$653K
DFEV icon
16
Dimensional Emerging Markets Value ETF
DFEV
$1.89B
$6.07M 1.83%
179,951
+1,895
+1% +$62.5K
DFGR icon
17
Dimensional Global Real Estate ETF
DFGR
$3.84B
$5.8M 1.75%
219,379
+12,758
+6% +$344K
IVE icon
18
iShares S&P 500 Value ETF
IVE
$48.8B
$4.87M 1.47%
22,961
-179
-0.8% -$37.5K
IJH icon
19
iShares Core S&P Mid-Cap ETF
IJH
$122B
$4.67M 1.41%
70,811
-331
-0.5% -$21.7K
EFG icon
20
iShares MSCI EAFE Growth ETF
EFG
$16.4B
$4.65M 1.4%
40,778
+67
+0.2% +$7.68K
GLD icon
21
SPDR Gold Trust
GLD
$130B
$4.64M 1.4%
11,718
-701
-6% -$268K
GOVT icon
22
iShares US Treasury Bond ETF
GOVT
$43.7B
$4.34M 1.31%
188,307
+6,412
+4% +$148K
QQQ icon
23
Invesco QQQ Trust
QQQ
$466B
$4.32M 1.3%
7,032
-176
-2% -$108K
AAPL icon
24
Apple
AAPL
$4.9T
$4.31M 1.3%
15,848
+270
+2% +$72.5K
BSV icon
25
Vanguard Short-Term Bond ETF
BSV
$44.7B
$4.15M 1.25%
52,664
+1,894
+4% +$149K
1
2 3 4 5

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SWM
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FIM
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GJWM
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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.