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Sterling Financial Planning, Inc. — 13F Holdings & Portfolio

CIK 1844278 · latest 13F-HR filed 2026-08-11

Backtest portfolio

Sterling Financial Planning, Inc. manages $367.7M in 13F-reported U.S. long-equity assets across 123 reported positions as of its 2026-06-30 13F-HR filing. Its largest disclosed positions are IJJ (6.29%), IJT (6.22%), IJK (5.84%). Quarter over quarter (versus its 2026-03-31 filing) the fund opened 8 new positions, exited 2, added to 74, and trimmed 12.

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.

Filer Information
Address
60 BLUE HERON ROAD, SUITE 201
SPARTA, NJ 07871
Phone
(973) 729-1234
Filing Manager
Sterling Financial Planning, Inc.
SPARTA, NJ
Signatory
Nicholas Nicolette
President and CCO
Loading holdings…
AUM

$367.7M

Long-equity book

Holdings

123

Distinct positions

Period

2026-06-30

Filed 2026-08-11

Q/Q Activity

+8 / −2 / ↑74 / ↓12

vs 2026-03-31

Firm Profile & Key People
Name Title / Status Ownership Type

Top Adds (vs prior quarter)

  • ISHARES TR$4.1M +21.7%
  • ISHARES TR$3.6M +21.2%
  • ISHARES TR$2.8M +15.0%
  • ISHARES TR$2.7M +13.4%
  • SCHWAB STRATEGIC TR$1.2M +10.1%
Show all 74 →

Top Trims

  • ISHARES GOLD TR-$3.1M -14.9%
  • SPDR GOLD TR-$797.4K -17.4%
  • EXXON MOBIL CORP-$635.9K -28.9%
  • ISHARES TR-$241.6K -7.5%
  • ABBOTT LABORATORIES-$93.3K -20.8%
Show all 12 →

New Positions

  • GE VERNOVA INC$311.3K
  • INTEL CORP$237.3K
  • VANGUARD INDEX FDS$229.5K
  • DIMENSIONAL ETF TRUST$223.3K
  • ISHARES TR$217.8K
Show all 8 →

Exited Positions

  • VANGUARD WORLD FD$225.6K
  • INNOVATOR ETFS TRUST$205.2K
Show all 2 →
All Holdings

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 IJJ 464287705 $23.1M 6.29% 156,530 SH
2 ISHARES TR IJT 464287887 $22.9M 6.22% 128,012 SH
3 ISHARES TR IJK 464287606 $21.5M 5.84% 182,653 SH
4 ISHARES TR IVW 464287309 $20.4M 5.54% 148,229 SH
5 ISHARES GOLD TR IAU 464285204 $17.6M 4.80% 233,678 SH
6 DIMENSIONAL ETF TRUST DFIV 25434V807 $16.8M 4.56% 310,296 SH
7 VANGUARD WHITEHALL FDS VYM 921946406 $13.1M 3.57% 83,032 SH
8 SCHWAB STRATEGIC TR FNDX 808524771 $13.0M 3.54% 418,339 SH
9 DIMENSIONAL ETF TRUST DISV 25434V781 $12.2M 3.31% 302,926 SH
10 VANGUARD BD INDEX FDS BIV 921937819 $11.8M 3.21% 153,913 SH
11 DIMENSIONAL ETF TRUST DFSV 25434V815 $11.3M 3.08% 292,001 SH
12 ISHARES TR IJS 464287879 $10.0M 2.73% 73,343 SH
13 INNOVATOR ETFS TRUST XBJA 45783Y780 $9.8M 2.65% 288,650 SH
14 ISHARES TR IVV 464287200 $9.2M 2.50% 12,282 SH
15 DIMENSIONAL ETF TRUST DFIP 25434V856 $7.4M 2.02% 179,710 SH
16 DIMENSIONAL ETF TRUST DFEV 25434V740 $7.4M 2.01% 173,234 SH
17 DIMENSIONAL ETF TRUST DFGR 25434V658 $7.2M 1.95% 247,263 SH
18 ISHARES TR IJH 464287507 $5.1M 1.40% 66,771 SH
19 INVESCO QQQ TR QQQ 46090E103 $5.0M 1.36% 6,768 SH
20 ISHARES TR EFG 464288885 $5.0M 1.35% 39,975 SH
21 ISHARES TR IVE 464287408 $4.9M 1.34% 21,679 SH
22 VANGUARD SCOTTSDALE FDS VCSH 92206C409 $4.9M 1.33% 61,984 SH
23 VANGUARD BD INDEX FDS BSV 921937827 $4.8M 1.31% 61,799 SH
24 APPLE INC AAPL 037833100 $4.7M 1.27% 16,124 SH
25 ISHARES TR GOVT 46429B267 $4.5M 1.23% 198,231 SH
26 VANGUARD INDEX FDS VOE 922908512 $4.3M 1.16% 21,586 SH
27 VANGUARD MUN BD FDS VTEB 922907746 $4.0M 1.09% 78,977 SH
28 SPDR GOLD TR GLD 78463V107 $3.8M 1.03% 10,288 SH
29 VANGUARD INDEX FDS VOT 922908538 $3.5M 0.96% 11,514 SH
30 VANGUARD WELLINGTON FD VTES 921935870 $3.5M 0.95% 34,648 SH
31 VANGUARD INDEX FDS VBK 922908595 $3.1M 0.84% 8,480 SH
32 VANGUARD MALVERN FDS VTIP 922020805 $3.1M 0.83% 61,111 SH
33 VANGUARD INDEX FDS VNQ 922908553 $3.0M 0.82% 31,228 SH
34 VANGUARD CHARLOTTE FDS BNDX 92203J407 $3.0M 0.82% 61,896 SH
35 ISHARES TR IDV 464288448 $3.0M 0.81% 71,635 SH
36 WISDOMTREE TR DGS 97717W281 $2.5M 0.69% 39,294 SH
37 VANGUARD INDEX FDS VBR 922908611 $2.5M 0.69% 10,385 SH
38 JOHNSON & JOHNSON JNJ 478160104 $2.5M 0.67% 9,653 SH
39 SCHWAB STRATEGIC TR FNDC 808524748 $2.4M 0.65% 48,976 SH
40 VANGUARD TAX-MANAGED FDS VEA 921943858 $2.0M 0.55% 28,535 SH
41 STATE STR SPDR S&P 500 ETF T SPY 78462F103 $1.9M 0.53% 2,598 SH
42 ISHARES TR MUB 464288414 $1.8M 0.50% 17,094 SH
43 ISHARES TR IJR 464287804 $1.6M 0.43% 10,706 SH
44 ISHARES TR TIP 464287176 $1.6M 0.43% 14,505 SH
45 INVESCO EXCHANGE TRADED FD T PRF 46137V613 $1.6M 0.43% 29,316 SH
46 EXXON MOBIL CORP XOM 30231G102 $1.6M 0.43% 11,444 SH
47 ISHARES TR SCZ 464288273 $1.3M 0.36% 15,997 SH
48 DIMENSIONAL ETF TRUST DFAR 25434V823 $1.3M 0.35% 49,877 SH
49 MICROSOFT CORP MSFT 594918104 $1.2M 0.33% 3,276 SH
50 DIMENSIONAL ETF TRUST DFLV 25434V666 $1.1M 0.31% 29,060 SH
Filing History
Period Filed AUM Holdings Accession
2026-06-30 2026-08-11 $367.7M 123 0001844278-26-000004
2026-03-31 2026-05-06 $337.3M 117 0001844278-26-000003
2025-12-31 2026-01-27 $331.8M 120 0001844278-26-000001