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Pearl Planning LLC — 13F Holdings & Portfolio

CIK 2100519 · latest 13F-HR filed 2026-10-13

Backtest portfolio

Pearl Planning LLC manages $241.0M in 13F-reported U.S. long-equity assets across 61 reported positions as of its 2026-09-30 13F-HR filing. Its largest disclosed positions are VOO (14.38%), AVDE (12.52%), JPIE (7.79%). Quarter over quarter (versus its 2026-06-30 filing) the fund opened 6 new positions and exited 3; 15 existing positions rose in reported value and 18 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.

Loading holdings…
AUM
$241.0M

Long-equity book

Holdings
61

Distinct positions

Period
2026-09-30

Filed 2026-10-13

Q/Q Activity
+6 / −3 / ↑15 / ↓18

vs 2026-06-30

Portfolio charts

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

Portfolio map

Q3 26
VOO14.4% · +9%AVDE12.5% · +28%JPIE7.8% · +7%FBND7.5% · +8%VO6.1% · +3%FRDM4.8% · -1%VTV4.5% · -28%ESGV4.1% · +21%DGRO4.0% · +14%QQQM3.3% · +17%AVUV3.3% · +1%SHYM3.0% · newTAXE3.0% · newTMSL2.1% · +1%BOXX1.8% · -7%BSV1.7% · +18%QQQ1.7% · +13%QQMG1.6% · +18%VCEB1.3% · -5%ESML1.1% · +6%BIL1.1% · -14%IDMO0.6% · -1%IVV0.4% · -0%JCPB0.4% · newAAPL0.4% · +21%VB0.4% · -1%QUAL0.4% · -16%VEA0.4% · -0%VCRB0.3% · newAMZN0.3% · +157%NVDA0.3% · +82%MSFT0.3% · +31%AVSC0.3% · -3%IWF0.3% · 0%XMHQ0.3% · -11%IJH0.3% · -2%TSLA0.3% · newILCV0.2% · +1%IEFA0.2% · +4%META0.2% · +2%BND0.2% · -72%XLK0.2% · 0%BIV0.2% · -58%VOTE0.2% · 0%GOOGL0.2% · +43%RSG0.2% · 0%ORCL0.2% · -7%FEOE0.1% · 0%VTI0.1% · +9%ESGU0.1% · 0%MU0.1% · +2%JPM0.1% · +0%AVGO0.1% · +10%VBR0.1% · -25%MTUM0.1% · 0%ISTB0.1% · -26%AVSD0.1% · 0%SHE0.1% · 0%GOOG0.1% · +1%TXN0.1% · +1%

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 = 69.1%

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

Firm Profile & Key People

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

Assets Under Management
$329.2M
Discretionary
$329.2M
Employees
7
Accounts
949
Address
8031 MAIN STREET, SUITE 201
DEXTER, MI 48130
Phone
(734) 274-6744
Website
Name Title / Status Ownership Type
JOY, MELISSA, NICOLE ControlPRESIDENT AND CHIEF COMPLIANCE OFFICER
since Aug 2018
75% or moreIndividual

Quarter-over-quarter changes

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

Pearl Planning LLC 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 VANGUARD INDEX FDS VOO 922908363 $34.7M 14.38% 49,450 SH
2 AMERICAN CENTY ETF TR AVDE 025072703 $30.2M 12.52% 334,972 SH
3 J P MORGAN EXCHANGE TRADED F JPIE 46641Q159 $18.8M 7.79% 418,492 SH
4 FIDELITY MERRIMACK STR TR FBND 316188309 $18.0M 7.48% 416,375 SH
5 VANGUARD INDEX FDS VO 922908629 $14.8M 6.12% 188,109 SH
6 EA SERIES TRUST FRDM 02072L607 $11.7M 4.84% 166,799 SH
7 VANGUARD INDEX FDS VTV 922908744 $10.9M 4.53% 50,552 SH
8 VANGUARD WORLD FD ESGV 921910733 $9.9M 4.11% 73,116 SH
9 ISHARES TR DGRO 46434V621 $9.7M 4.04% 129,066 SH
10 INVESCO EXCH TRADED FD TR II QQQM 46138G649 $8.0M 3.34% 26,391 SH
11 AMERICAN CENTY ETF TR AVUV 025072877 $8.0M 3.31% 67,672 SH
12 BLACKROCK ETF TRUST II SHYM 092528108 $7.3M 3.02% 340,940 SH
13 T ROWE PRICE EXCHANGE-TRADED TAXE 87283Q818 $7.1M 2.96% 147,274 SH
14 T ROWE PRICE EXCHANGE-TRADED TMSL 87283Q826 $5.0M 2.08% 123,221 SH
15 EA SERIES TRUST BOXX 02072L565 $4.3M 1.80% 36,578 SH
16 VANGUARD BD INDEX FDS BSV 921937827 $4.2M 1.74% 54,745 SH
17 INVESCO QQQ TR QQQ 46090E103 $4.1M 1.70% 5,553 SH
18 INVESCO EXCH TRADED FD TR II QQMG 46138G540 $3.8M 1.59% 73,722 SH
19 VANGUARD WORLD FD VCEB 921910691 $3.1M 1.30% 52,750 SH
20 ISHARES TR ESML 46435U663 $2.6M 1.07% 49,650 SH
21 SPDR SERIES TRUST BIL 78468R663 $2.6M 1.07% 28,114 SH
22 INVESCO EXCH TRADED FD TR II IDMO 46138E222 $1.5M 0.64% 25,084 SH
23 ISHARES TR IVV 464287200 $1.0M 0.43% 1,346 SH
24 J P MORGAN EXCHANGE TRADED F JCPB 46641Q670 $1.0M 0.42% 22,850 SH
25 APPLE INC AAPL 037833100 $1.0M 0.42% 3,004 SH
26 VANGUARD INDEX FDS VB 922908751 $969.3K 0.40% 3,407 SH
27 ISHARES TR QUAL 46432F339 $968.1K 0.40% 4,356 SH
28 VANGUARD TAX-MANAGED FDS VEA 921943858 $866.1K 0.36% 12,266 SH
29 VANGUARD MALVERN FDS VCRB 922020748 $827.2K 0.34% 11,236 SH
30 AMAZON COM INC AMZN 023135106 $807.8K 0.34% 3,242 SH
31 NVIDIA CORPORATION NVDA 67066G104 $783.4K 0.32% 3,430 SH
32 MICROSOFT CORP MSFT 594918104 $769.9K 0.32% 1,501 SH
33 AMERICAN CENTY ETF TR AVSC 025072323 $760.9K 0.32% 11,005 SH
34 ISHARES TR IWF 464287614 $710.6K 0.29% 5,673 SH
35 INVESCO EXCHANGE TRADED FD T XMHQ 46137V472 $684.5K 0.28% 6,131 SH
36 ISHARES TR IJH 464287507 $661.3K 0.27% 9,191 SH
37 TESLA INC TSLA 88160R101 $620.8K 0.26% 1,750 SH
38 ISHARES TR ILCV 464288109 $560.1K 0.23% 5,317 SH
39 ISHARES TR IEFA 46432F842 $558.9K 0.23% 5,769 SH
40 META PLATFORMS INC META 30303M102 $519.2K 0.22% 716 SH
41 VANGUARD BD INDEX FDS BND 921937835 $466.7K 0.19% 6,653 SH
42 SELECT SECTOR SPDR TR XLK 81369Y803 $436.9K 0.18% 2,232 SH
43 VANGUARD BD INDEX FDS BIV 921937819 $432.4K 0.18% 5,934 SH
44 TCW ETF TRUST VOTE 29287L106 $428.8K 0.18% 4,761 SH
45 ALPHABET INC GOOGL 02079K305 $417.1K 0.17% 1,212 SH
46 REPUBLIC SVCS INC RSG 760759100 $391.0K 0.16% 1,863 SH
47 ORACLE CORP ORCL 68389X105 $381.8K 0.16% 2,781 SH
48 RBB FUND TRUST FEOE 75526L878 $339.1K 0.14% 6,306 SH
49 VANGUARD INDEX FDS VTI 922908769 $326.8K 0.14% 873 SH
50 ISHARES TR ESGU 46435G425 $288.9K 0.12% 1,732 SH
Filing History
Period Filed AUM Holdings Accession
2026-09-30 2026-10-13 $241.0M 61 0002100519-26-000006
2026-06-30 2026-07-21 $217.4M 58 0002100519-26-000004
2026-03-31 2026-04-30 $187.1M 52 0002100519-26-000003
2025-12-31 2026-02-03 $163.5M 52 0002100519-26-000001
Filer Information
Address
8031 MAIN STREET
SUITE 201
DEXTER, MI 48130
Phone
(734) 274-6744
Filing Manager
Pearl Planning LLC
DEXTER, MI
Signatory
Melissa Joy
CCO