Pearl Planning LLC — 13F Holdings & Portfolio
CIK 2100519 · latest 13F-HR filed 2026-04-30
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
$187.1M
Long-equity book
Holdings
52
Distinct positions
Period
2026-03-31
Filed 2026-04-30
Q/Q Activity
+2 / −2 / ↑8 / ↓18
vs 2025-12-31
Firm Profile & Key People
| Name | Title / Status | Ownership | Type |
|---|
Top Adds (vs prior quarter)
- AMERICAN CENTY ETF TR$2.5M +14.7%
- AMERICAN CENTY ETF TR$712.3K +10.9%
- VANGUARD BD INDEX FDS$518.0K +20.1%
- ISHARES TR$419.8K +5.9%
- VANGUARD WORLD FD$304.5K +13.2%
Top Trims
- VANGUARD BD INDEX FDS-$12.7M -86.1%
- INVESCO EXCHANGE TRADED FD T-$272.6K -28.0%
- INTERNATIONAL BUSINESS MACHS-$214.3K -24.3%
- INVESCO QQQ TR-$193.6K -6.3%
- ORACLE CORP-$150.9K -25.3%
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 | VANGUARD INDEX FDS | VOO | 922908363 | $25.5M | 13.64% | 42,723 | SH |
| 2 | AMERICAN CENTY ETF TR | AVDE | 025072703 | $19.6M | 10.48% | 231,116 | SH |
| 3 | J P MORGAN EXCHANGE TRADED F | JPIE | 46641Q159 | $16.5M | 8.82% | 358,146 | SH |
| 4 | FIDELITY MERRIMACK STR TR | FBND | 316188309 | $16.0M | 8.56% | 351,175 | SH |
| 5 | VANGUARD INDEX FDS | VTV | 922908744 | $14.4M | 7.68% | 73,197 | SH |
| 6 | VANGUARD INDEX FDS | VO | 922908629 | $12.7M | 6.78% | 44,153 | SH |
| 7 | EA SERIES TRUST | FRDM | 02072L607 | $9.6M | 5.15% | 176,261 | SH |
| 8 | ISHARES TR | DGRO | 46434V621 | $7.5M | 4.00% | 106,525 | SH |
| 9 | AMERICAN CENTY ETF TR | AVUV | 025072877 | $7.2M | 3.86% | 65,339 | SH |
| 10 | VANGUARD WORLD FD | ESGV | 921910733 | $6.6M | 3.52% | 58,628 | SH |
| 11 | EA SERIES TRUST | BOXX | 02072L565 | $5.8M | 3.11% | 50,006 | SH |
| 12 | INVESCO EXCH TRADED FD TR II | QQQM | 46138G649 | $5.0M | 2.68% | 21,086 | SH |
| 13 | T ROWE PRICE ETF INC | TMSL | 87283Q826 | $4.4M | 2.35% | 120,078 | SH |
| 14 | VANGUARD BD INDEX FDS | BSV | 921937827 | $3.1M | 1.66% | 39,551 | SH |
| 15 | SPDR SERIES TRUST | BIL | 78468R663 | $3.1M | 1.65% | 33,709 | SH |
| 16 | INVESCO QQQ TR | QQQ | 46090E103 | $2.9M | 1.54% | 4,990 | SH |
| 17 | VANGUARD WORLD FD | VCEB | 921910691 | $2.6M | 1.39% | 41,504 | SH |
| 18 | INVESCO EXCH TRADED FD TR II | QQMG | 46138G540 | $2.3M | 1.20% | 56,942 | SH |
| 19 | VANGUARD BD INDEX FDS | BND | 921937835 | $2.0M | 1.09% | 27,663 | SH |
| 20 | ISHARES TR | ESML | 46435U663 | $2.0M | 1.09% | 43,298 | SH |
| 21 | ISHARES TR | MUB | 464288414 | $1.8M | 0.97% | 17,134 | SH |
| 22 | VANGUARD BD INDEX FDS | BIV | 921937819 | $1.2M | 0.62% | 15,069 | SH |
| 23 | ISHARES TR | QUAL | 46432F339 | $1.1M | 0.58% | 5,678 | SH |
| 24 | INVESCO EXCH TRADED FD TR II | IDMO | 46138E222 | $921.8K | 0.49% | 16,808 | SH |
| 25 | VANGUARD INDEX FDS | VB | 922908751 | $901.5K | 0.48% | 3,442 | SH |
| 26 | ISHARES TR | IVV | 464287200 | $883.3K | 0.47% | 1,352 | SH |
| 27 | VANGUARD TAX-MANAGED FDS | VEA | 921943858 | $773.9K | 0.41% | 12,077 | SH |
| 28 | ISHARES TR | AGG | 464287226 | $737.3K | 0.39% | 7,427 | SH |
| 29 | AMERICAN CENTY ETF TR | AVSC | 025072323 | $704.3K | 0.38% | 11,305 | SH |
| 30 | INVESCO EXCHANGE TRADED FD T | XMHQ | 46137V472 | $700.8K | 0.37% | 6,780 | SH |
| 31 | ISHARES TR | IJH | 464287507 | $688.0K | 0.37% | 10,188 | SH |
| 32 | INTERNATIONAL BUSINESS MACHS | IBM | 459200101 | $667.5K | 0.36% | 2,754 | SH |
| 33 | APPLE INC | AAPL | 037833100 | $627.1K | 0.34% | 2,471 | SH |
| 34 | ISHARES TR | IWF | 464287614 | $604.7K | 0.32% | 1,418 | SH |
| 35 | ISHARES TR | IEFA | 46432F842 | $505.8K | 0.27% | 5,587 | SH |
| 36 | ISHARES TR | ILCV | 464288109 | $491.7K | 0.26% | 5,279 | SH |
| 37 | ORACLE CORP | ORCL | 68389X105 | $444.7K | 0.24% | 3,023 | SH |
| 38 | META PLATFORMS INC | META | 30303M102 | $418.8K | 0.22% | 732 | SH |
| 39 | REPUBLIC SVCS INC | RSG | 760759100 | $409.3K | 0.22% | 1,869 | SH |
| 40 | MICROSOFT CORP | MSFT | 594918104 | $401.6K | 0.21% | 1,085 | SH |
| 41 | TCW ETF TRUST | VOTE | 29287L106 | $363.3K | 0.19% | 4,761 | SH |
| 42 | ISHARES TR | ISTB | 46432F859 | $333.6K | 0.18% | 6,883 | SH |
| 43 | VANGUARD INDEX FDS | VBR | 922908611 | $323.7K | 0.17% | 1,490 | SH |
| 44 | RBB FUND TRUST | FEOE | 75526L878 | $318.2K | 0.17% | 6,306 | SH |
| 45 | SELECT SECTOR SPDR TR | XLK | 81369Y803 | $296.6K | 0.16% | 2,232 | SH |
| 46 | NVIDIA CORPORATION | NVDA | 67066G104 | $290.2K | 0.16% | 1,664 | SH |
| 47 | VANGUARD INDEX FDS | VTI | 922908769 | $259.3K | 0.14% | 808 | SH |
| 48 | ISHARES TR | ESGU | 46435G425 | $244.9K | 0.13% | 1,732 | SH |
| 49 | JPMORGAN CHASE & CO | JPM | 46625H100 | $238.0K | 0.13% | 809 | SH |
| 50 | AMAZON COM INC | AMZN | 023135106 | $222.8K | 0.12% | 1,070 | SH |
Filing History
| Period | Filed | AUM | Holdings | Accession |
|---|---|---|---|---|
| 2026-03-31 | 2026-04-30 | $187.1M | 52 | 0002100519-26-000003 |
| 2025-12-31 | 2026-02-03 | $163.5M | 52 | 0002100519-26-000001 |