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Prosperity Planning, Inc. — 13F Holdings & Portfolio

CIK 1843292 · latest 13F-HR filed 2026-10-09

Backtest portfolio

Prosperity Planning, Inc. manages $450.7M in 13F-reported U.S. long-equity assets across 119 reported positions as of its 2026-09-30 13F-HR filing. Its largest disclosed positions are ISTB (12.20%), VUG (6.07%), EFA (6.01%). Quarter over quarter (versus its 2026-06-30 filing) the fund opened 8 new positions and exited 6; 29 existing positions rose in reported value and 25 fell.

AUM is the long-equity portion reported on Form 13F-HR. Excludes short positions, cash, foreign holdings, and non-13F assets. For informational purposes only — not investment advice.

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AUM
$450.7M

Long-equity book

Holdings
119

Distinct positions

Period
2026-09-30

Filed 2026-10-09

Q/Q Activity
+8 / −6 / ↑29 / ↓25

vs 2026-06-30

Portfolio charts

Latest quarter's book, what changed, and how the portfolio has evolved across filings.

Portfolio map

Q3 26
ISTB12.2% · +6%VUG6.1% · +3%EFA6.0% · +2%AVDV4.7% · +4%VTIP4.5% · +7%IGSB3.9% · +8%DFAX3.7% · -4%GNMA3.4% · +8%AVLC3.3% · +7%AVEM3.0% · +4%AVMV2.9% · +10%IVE2.6% · -2%AVUV2.3% · +6%VOT2.3% · +3%VBR2.0% · -3%AVLV2.0% · +7%VOE2.0% · -2%AVUS1.6% · +2%VBK1.4% · +0%BSV1.3% · +10%MUB1.3% · +143%AVIV1.2% · +9%IVLU1.1% · -3%CBRE1.1% · 0%USRT1.1% · +1%SPY0.9% · -6%AAPL0.9% · +1%SUB0.9% · -1%VTV0.8% · -2%IWN0.8% · -2%AGG0.8% · +11%IJJ0.7% · -2%DFAC0.7% · -3%IVW0.6% · -2%AVDE0.6% · +4%BND0.6% · +10%SGOV0.6% · -8%SCZ0.6% · -2%IAGG0.5% · +3%VNQI0.5% · +3%EEM0.5% · -2%BRK.B0.5% · +2%ITOT0.4% · -1%IWD0.4% · -3%VEA0.4% · -0%TIP0.4% · +1%O0.3% · -0%DISV0.3% · -1%STIP0.3% · -0%VCIT0.3% · +107%IVV0.3% · +8%VTEB0.3% · +6%VMBS0.3% · -0%SPYG0.2% · -6%IWF0.2% · 0%DFIV0.2% · -1%IWO0.2% · -1%VTI0.2% · -10%VWO0.2% · -0%IWS0.2% · -2%

Box size = position value; colour = change in share count vs the prior quarter (green added, red trimmed, blue new). Rows split across managers or share classes are combined. Click a box for the stock.

Sector mix

% of 13F value

Sectors from each company's SIC code; funds and ETFs grouped separately.

Biggest buys and sells

Q2 26 → Q3 26

Estimated from the change in shares held × the quarter-end price, so price moves alone don't count as buying. New and exited positions are included.

13F assets and positions

4 quarters

Total reported 13F value (bars) and number of positions (line) each quarter. Value changes include market moves.

Top positions over time

reported value

The eight largest current positions, valued at each quarter end.

Concentration

top 10 = 50.8%

Cumulative share of the portfolio held in the largest N positions.

Firm Profile & Key People

As of the firm’s regulatory filing dated Sep 21, 2026.

Assets Under Management
$543.2M
Discretionary
$533.6M
Employees
13
Accounts
1,432
Address
1920 BUCHANAN STREET
NORTH KANSAS CITY, MO 64116
Phone
(816) 587-7526
Website
Name Title / Status Ownership Type
BORUM, KENNETH, AUSTIN ControlPARTNER
since Aug 2018
10–25%Individual
NOBLE, RYAN, KENT ControlPARTNER, PRESIDENT, CHIEF COMPLIANCE OFFICER
since Aug 2018
25–50%Individual
RICHEY, LUCINDA, LYNN ControlPARTNER
since Aug 2018
10–25%Individual
Reiter, Daniel, Scott ControlPARTNER, VICE PRESIDENT
since Jan 2019
25–50%Individual
Ownership & leadership changes · 5 filings with changes since Aug 7, 2018

From the firm’s regulatory filings, newest first. Dates are filing dates: a filing that no longer lists someone does not say when they left.

Jun 3, 2025 filing
  • ChangedBORUM, KENNETH, AUSTIN · title VICE PRESIDENT, PARTNER → PARTNER
  • ChangedNOBLE, RYAN, KENT · title PARTNER, CHIEF COMPLIANCE OFFICER → PARTNER, PRESIDENT, CHIEF COMPLIANCE OFFICER
  • ChangedRICHEY, LUCINDA, LYNN · title PRESIDENT, PARTNER → PARTNER
  • ChangedReiter, Daniel, Scott · title PARTNER → PARTNER, VICE PRESIDENT
Sep 10, 2024 filing
  • ChangedNOBLE, RYAN, KENT · title PARTNER → PARTNER, CHIEF COMPLIANCE OFFICER
  • ChangedRICHEY, LUCINDA, LYNN · title PRESIDENT, PARTNER, CHIEF COMPLIANCE OFFICER → PRESIDENT, PARTNER
Mar 13, 2024 filing
  • ChangedRICHEY, LUCINDA, LYNN · ownership 50–75% → 10–25%
  • ChangedReiter, Daniel, Scott · ownership 10–25% → 25–50%
Jan 8, 2020 filing
  • ChangedReiter, Daniel, Scott · ownership 5–10% → 10–25%
Mar 28, 2019 filing
  • AddedReiter, Daniel, Scott · PARTNER · 5–10% · control person
  • ChangedBORUM, KENNETH, AUSTIN · ownership 25–50% → 10–25%
Aug 7, 2018 filing (earliest on record)
  • ListedBORUM, KENNETH, AUSTIN · VICE PRESIDENT, PARTNER · 25–50% · control person
  • ListedNOBLE, RYAN, KENT · PARTNER · 25–50% · control person
  • ListedRICHEY, LUCINDA, LYNN · PRESIDENT, PARTNER, CHIEF COMPLIANCE OFFICER · 50–75% · control person

Quarter-over-quarter changes

Changes in reported position value vs the prior 13F, so price moves count too, not just shares bought or sold.

Top Adds (vs prior quarter)

Show all 29 →

Top Trims

Show all 25 →

New Positions

Show all 8 →

Exited Positions

Show all 6 →

Prosperity Planning, Inc. Holdings (2026-09-30)

Rows tagged Call or Put are options positions, not stock. Per SEC Form 13F-HR, Value shows the notional value of the underlying (shares covered × underlying price), not the option premium. Shares is the number of underlying shares covered (divide by 100 for contract count).

# Issuer Symbol CUSIP Value Weight Shares Type
1 ISHARES TR ISTB 46432F859 $55.0M 12.20% 1,164,033 PRN
2 VANGUARD INDEX FDS VUG 922908736 $27.4M 6.07% 303,709 SH
3 ISHARES TR EFA 464287465 $27.1M 6.01% 260,791 SH
4 AMERICAN CENTY ETF TR AVDV 025072802 $21.1M 4.68% 192,661 SH
5 VANGUARD MALVERN FDS VTIP 922020805 $20.3M 4.50% 412,206 PRN
6 ISHARES TR IGSB 464288646 $17.5M 3.88% 341,590 SH
7 DIMENSIONAL ETF TRUST DFAX 25434V880 $16.8M 3.74% 454,810 SH
8 ISHARES TR GNMA 46429B333 $15.3M 3.40% 366,502 PRN
9 AMERICAN CENTY ETF TR AVLC 025072158 $14.7M 3.25% 162,333 SH
10 AMERICAN CENTY ETF TR AVEM 025072604 $13.7M 3.04% 145,726 SH
11 AMERICAN CENTY ETF TR AVMV 025072133 $13.1M 2.92% 172,244 SH
12 ISHARES TR IVE 464287408 $11.9M 2.63% 51,963 SH
13 AMERICAN CENTY ETF TR AVUV 025072877 $10.4M 2.31% 88,253 SH
14 VANGUARD INDEX FDS VOT 922908538 $10.3M 2.28% 35,186 SH
15 VANGUARD INDEX FDS VBR 922908611 $9.2M 2.04% 39,813 SH
16 AMERICAN CENTY ETF TR AVLV 025072349 $8.9M 1.97% 98,051 SH
17 VANGUARD INDEX FDS VOE 922908512 $8.8M 1.96% 45,199 SH
18 AMERICAN CENTY ETF TR AVUS 025072885 $7.4M 1.65% 57,950 SH
19 VANGUARD INDEX FDS VBK 922908595 $6.4M 1.41% 18,855 SH
20 VANGUARD BD INDEX FDS BSV 921937827 $5.9M 1.30% 76,648 PRN
21 ISHARES TR MUB 464288414 $5.9M 1.30% 57,885 PRN
22 AMERICAN CENTY ETF TR AVIV 025072364 $5.6M 1.24% 70,115 SH
23 ISHARES TR IVLU 46435G409 $5.1M 1.13% 118,289 SH
24 CBRE GROUP INC CBRE 12504L109 $4.9M 1.10% 38,501 SH
25 ISHARES TR USRT 464288521 $4.8M 1.07% 78,362 SH
26 STATE STR SPDR S&P 500 ETF T SPY 78462F103 $4.2M 0.94% 5,557 SH
27 APPLE INC AAPL 037833100 $3.9M 0.87% 11,740 SH
28 ISHARES TR SUB 464288158 $3.9M 0.87% 37,317 PRN
29 VANGUARD INDEX FDS VTV 922908744 $3.8M 0.83% 17,402 SH
30 ISHARES TR IWN 464287630 $3.7M 0.82% 17,655 SH
31 ISHARES TR AGG 464287226 $3.4M 0.75% 35,950 PRN
32 ISHARES TR IJJ 464287705 $3.2M 0.70% 22,889 SH
33 DIMENSIONAL ETF TRUST DFAC 25434V708 $3.1M 0.70% 70,625 SH
34 ISHARES TR IVW 464287309 $2.8M 0.61% 19,452 SH
35 AMERICAN CENTY ETF TR AVDE 025072703 $2.7M 0.59% 29,547 SH
36 VANGUARD BD INDEX FDS BND 921937835 $2.6M 0.59% 37,665 PRN
37 ISHARES TR SGOV 46436E718 $2.6M 0.58% 26,103 PRN
38 ISHARES TR SCZ 464288273 $2.5M 0.55% 29,606 SH
39 ISHARES TR IAGG 46435G672 $2.2M 0.48% 44,033 PRN
40 VANGUARD INTL EQUITY INDEX F VNQI 922042676 $2.2M 0.48% 50,935 SH
41 ISHARES TR EEM 464287234 $2.1M 0.46% 31,170 SH
42 BERKSHIRE HATHAWAY INC DEL BRK.B 084670702 $2.1M 0.46% 4,136 SH
43 ISHARES TR ITOT 464287150 $1.8M 0.41% 11,030 SH
44 ISHARES TR IWD 464287598 $1.7M 0.39% 7,019 SH
45 VANGUARD TAX-MANAGED FDS VEA 921943858 $1.7M 0.37% 23,678 SH
46 ISHARES TR TIP 464287176 $1.6M 0.36% 15,508 PRN
47 REALTY INCOME CORP O 756109104 $1.6M 0.35% 28,749 SH
48 DIMENSIONAL ETF TRUST DISV 25434V781 $1.5M 0.34% 35,678 SH
49 ISHARES TR STIP 46429B747 $1.5M 0.34% 15,475 PRN
50 VANGUARD SCOTTSDALE FDS VCIT 92206C870 $1.5M 0.33% 18,782 PRN
Filing History
Period Filed AUM Holdings Accession
2026-09-30 2026-10-09 $450.7M 119 0001085146-26-000827
2026-06-30 2026-07-10 $436.3M 117 0001843292-26-000004
2026-03-31 2026-04-10 $394.7M 110 0001843292-26-000002
2025-12-31 2026-01-14 $382.3M 108 0001843292-26-000001
Filer Information
Address
1920 BUCHANAN STREET
NORTH KANSAS CITY, MO 64116
Phone
(816) 587-7526
Filing Manager
Prosperity Planning, Inc.
NORTH KANSAS CITY, MO
Signatory
Ryan Noble
CCO