Pearl Planning LLC — 13F Holdings & Portfolio
CIK 2100519 · latest 13F-HR filed 2026-07-21
Pearl Planning LLC manages $217.4M in 13F-reported U.S. long-equity assets across 58 reported positions as of its 2026-06-30 13F-HR filing. Its largest disclosed positions are VOO (14.36%), AVDE (10.74%), JPIE (8.29%). Quarter over quarter (versus its 2026-03-31 filing) the fund opened 6 new positions, exited 0, added to 41, and trimmed 4.
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.
SUITE 201
DEXTER, MI 48130
$217.4M
Long-equity book
58
Distinct positions
2026-06-30
Filed 2026-07-21
+6 / −0 / ↑41 / ↓4
vs 2026-03-31
| Name | Title / Status | Ownership | Type |
|---|
Top Adds (vs prior quarter)
- VANGUARD INDEX FDS$5.7M +22.3%
- AMERICAN CENTY ETF TR$3.7M +19.1%
- EA SERIES TRUST$2.7M +27.9%
- VANGUARD INDEX FDS$2.1M +16.4%
- INVESCO EXCH TRADED FD TR II$1.8M +36.6%
Top Trims
- EA SERIES TRUST-$1.2M -21.0%
- VANGUARD BD INDEX FDS-$320.1K -15.7%
- VANGUARD BD INDEX FDS-$74.6K -6.4%
- META PLATFORMS INC-$24.5K -5.9%
New Positions
- MICRON TECHNOLOGY INC$300.2K
- ISHARES TR$264.7K
- AMERICAN CENTY ETF TR$238.5K
- SPDR SERIES TRUST$226.4K
- ALPHABET INC$225.8K
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 | $31.2M | 14.36% | 45,453 | SH |
| 2 | AMERICAN CENTY ETF TR | AVDE | 025072703 | $23.4M | 10.74% | 261,773 | SH |
| 3 | J P MORGAN EXCHANGE TRADED F | JPIE | 46641Q159 | $18.0M | 8.29% | 391,356 | SH |
| 4 | FIDELITY MERRIMACK STR TR | FBND | 316188309 | $17.5M | 8.07% | 385,581 | SH |
| 5 | VANGUARD INDEX FDS | VTV | 922908744 | $15.3M | 7.05% | 70,334 | SH |
| 6 | VANGUARD INDEX FDS | VO | 922908629 | $14.8M | 6.79% | 183,166 | SH |
| 7 | EA SERIES TRUST | FRDM | 02072L607 | $12.3M | 5.67% | 169,045 | SH |
| 8 | ISHARES TR | DGRO | 46434V621 | $8.6M | 3.96% | 113,556 | SH |
| 9 | AMERICAN CENTY ETF TR | AVUV | 025072877 | $8.3M | 3.83% | 66,705 | SH |
| 10 | VANGUARD WORLD FD | ESGV | 921910733 | $8.0M | 3.69% | 60,619 | SH |
| 11 | INVESCO EXCH TRADED FD TR II | QQQM | 46138G649 | $6.8M | 3.15% | 22,592 | SH |
| 12 | T ROWE PRICE EXCHANGE-TRADED | TMSL | 87283Q826 | $5.4M | 2.47% | 122,457 | SH |
| 13 | EA SERIES TRUST | BOXX | 02072L565 | $4.6M | 2.11% | 39,213 | SH |
| 14 | INVESCO QQQ TR | QQQ | 46090E103 | $3.6M | 1.66% | 4,898 | SH |
| 15 | VANGUARD BD INDEX FDS | BSV | 921937827 | $3.6M | 1.66% | 46,281 | SH |
| 16 | VANGUARD WORLD FD | VCEB | 921910691 | $3.5M | 1.60% | 55,415 | SH |
| 17 | INVESCO EXCH TRADED FD TR II | QQMG | 46138G540 | $3.2M | 1.47% | 62,588 | SH |
| 18 | SPDR SERIES TRUST | BIL | 78468R663 | $3.0M | 1.37% | 32,596 | SH |
| 19 | ISHARES TR | ESML | 46435U663 | $2.6M | 1.20% | 46,809 | SH |
| 20 | ISHARES TR | MUB | 464288414 | $1.8M | 0.85% | 17,146 | SH |
| 21 | VANGUARD BD INDEX FDS | BND | 921937835 | $1.7M | 0.79% | 23,389 | SH |
| 22 | INVESCO EXCH TRADED FD TR II | IDMO | 46138E222 | $1.5M | 0.70% | 25,372 | SH |
| 23 | ISHARES TR | QUAL | 46432F339 | $1.1M | 0.53% | 5,202 | SH |
| 24 | VANGUARD BD INDEX FDS | BIV | 921937819 | $1.1M | 0.50% | 14,191 | SH |
| 25 | VANGUARD INDEX FDS | VB | 922908751 | $1.0M | 0.48% | 3,445 | SH |
| 26 | ISHARES TR | IVV | 464287200 | $1.0M | 0.46% | 1,348 | SH |
| 27 | VANGUARD TAX-MANAGED FDS | VEA | 921943858 | $878.4K | 0.40% | 12,329 | SH |
| 28 | AMERICAN CENTY ETF TR | AVSC | 025072323 | $829.1K | 0.38% | 11,305 | SH |
| 29 | INVESCO EXCHANGE TRADED FD T | XMHQ | 46137V472 | $779.7K | 0.36% | 6,907 | SH |
| 30 | ISHARES TR | AGG | 464287226 | $738.3K | 0.34% | 7,459 | SH |
| 31 | ISHARES TR | IJH | 464287507 | $726.6K | 0.33% | 9,423 | SH |
| 32 | APPLE INC | AAPL | 037833100 | $719.4K | 0.33% | 2,486 | SH |
| 33 | INTERNATIONAL BUSINESS MACHS | IBM | 459200101 | $718.2K | 0.33% | 2,554 | SH |
| 34 | ISHARES TR | IWF | 464287614 | $704.4K | 0.32% | 5,673 | SH |
| 35 | ISHARES TR | IEFA | 46432F842 | $537.9K | 0.25% | 5,569 | SH |
| 36 | ISHARES TR | ILCV | 464288109 | $534.4K | 0.25% | 5,279 | SH |
| 37 | ORACLE CORP | ORCL | 68389X105 | $437.2K | 0.20% | 2,983 | SH |
| 38 | MICROSOFT CORP | MSFT | 594918104 | $427.1K | 0.20% | 1,145 | SH |
| 39 | SELECT SECTOR SPDR TR | XLK | 81369Y803 | $425.2K | 0.20% | 2,232 | SH |
| 40 | TCW ETF TRUST | VOTE | 29287L106 | $419.8K | 0.19% | 4,761 | SH |
| 41 | REPUBLIC SVCS INC | RSG | 760759100 | $397.0K | 0.18% | 1,863 | SH |
| 42 | META PLATFORMS INC | META | 30303M102 | $394.3K | 0.18% | 700 | SH |
| 43 | NVIDIA CORPORATION | NVDA | 67066G104 | $377.0K | 0.17% | 1,884 | SH |
| 44 | VANGUARD INDEX FDS | VBR | 922908611 | $360.4K | 0.17% | 1,483 | SH |
| 45 | RBB FUND TRUST | FEOE | 75526L878 | $336.7K | 0.15% | 6,306 | SH |
| 46 | ISHARES TR | ISTB | 46432F859 | $332.1K | 0.15% | 6,883 | SH |
| 47 | ALPHABET INC | GOOGL | 02079K305 | $303.1K | 0.14% | 848 | SH |
| 48 | AMAZON COM INC | AMZN | 023135106 | $300.6K | 0.14% | 1,261 | SH |
| 49 | MICRON TECHNOLOGY INC | MU | 595112103 | $300.2K | 0.14% | 260 | SH |
| 50 | VANGUARD INDEX FDS | VTI | 922908769 | $296.1K | 0.14% | 800 | SH |
| Period | Filed | AUM | Holdings | Accession |
|---|---|---|---|---|
| 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 |