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Financial Plan, Inc. — 13F Holdings & Portfolio

CIK 2107584 · latest 13F-HR filed 2026-08-14

Backtest portfolio

Financial Plan, Inc. manages $1.05B in 13F-reported U.S. long-equity assets across 95 reported positions as of its 2026-06-30 13F-HR filing. Its largest disclosed positions are AVUS (17.36%), DFAC (15.59%), AVDE (10.23%). Quarter over quarter (versus its 2026-03-31 filing) the fund opened 8 new positions and exited 7; 64 existing positions rose in reported value and 9 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
$1.05B

Long-equity book

Holdings
95

Distinct positions

Period
2026-06-30

Filed 2026-08-14

Q/Q Activity
+8 / −7 / ↑64 / ↓9

vs 2026-03-31

Portfolio charts

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

Portfolio map

Q2 26
AVUS17.4% · +2%DFAC15.6% · +5%AVDE10.2% · +2%DFIC5.7% · +6%DFSD4.7% · +13%AVEM4.7% · +1%AVSF4.1% · +9%VTIP3.7% · +14%AVRE3.6% · +12%DFEM2.9% · +5%SPMB2.9% · +6%DUSB2.8% · -28%DFGR2.8% · +8%DFAX2.5% · -2%DFCF2.3% · +13%STIP1.0% · +2%DFIP0.9% · +20%VCSH0.7% · +6%AVIG0.7% · +14%VGSH0.6% · -2%AAPL0.6% · -6%AVUV0.6% · +1%CAT0.6% · 0%BSV0.5% · -5%SHV0.5% · +141%VMBS0.5% · +454%MSFT0.4% · +1%SUB0.4% · +28%SPSB0.4% · -9%VT0.3% · -2%DFAI0.3% · -1%GLD0.3% · -8%VTEB0.3% · -2%VTI0.2% · -7%REET0.2% · -3%SLV0.2% · -0%AVDV0.2% · +2%BNY0.2% · -2%DFAU0.2% · -1%BRK.A0.1% · 0%TSLA0.1% · +0%AVGE0.1% · +22%COST0.1% · +6%NVDA0.1% · +1%DFSU0.1% · +15%IWF0.1% · +300%AVSU0.1% · +0%DFUS0.1% · 0%SPTM0.1% · -7%DFNM0.1% · +56%DFSV0.1% · +12%GLW0.1% · +0%DXUV0.1% · +0%BA0.1% · +7%SPAB0.1% · -0%GOOG0.1% · +0%AVSD0.1% · 0%MTRX0.1% · 0%TRMB0.1% · 0%AVGO0.1% · +13%

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

Q1 26 → Q2 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

3 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 = 72.6%

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

Firm Profile & Key People

As of the firm’s regulatory filing dated Mar 16, 2026.

Assets Under Management
$1.60B
Discretionary
$1.60B
Employees
12
Accounts
4,049
Address
11 BELLWETHER WAY, SUITE 301
BELLINGHAM, WA 98225-2956
Phone
(360) 714-1234
Website
Name Title / Status Ownership Type
DICK, DAVID, ALDEN ControlCHIEF COMPLIANCE OFFICER
since Jan 2018
10–25%Individual
TWINING, JAMES, BARBER ControlCHIEF EXECUTIVE OFFICER
since Aug 1997
25–50%Individual
TWINING, NATHAN, JAMES ControlCHIEF TECHNOLOGY OFFICER
since Jan 2015
10–25%Individual
Twining, Gabriel, Aaron ControlCHIEF PERSONNEL OFFICER
since Jan 2020
5–10%Individual
WOLF, WILLIAM, DEVIN ControlCHIEF INVESTMENT OFFICER
since Jan 2015
25–50%Individual
Ownership & leadership changes · 5 filings with changes since Oct 30, 2012

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.

Mar 16, 2026 filing
  • ChangedWOLF, WILLIAM, DEVIN · ownership 10–25% → 25–50%
Jan 6, 2023 filing
  • ChangedTWINING, JAMES, BARBER · ownership 50–75% → 25–50%
  • ChangedTWINING, NATHAN, JAMES · ownership 5–10% → 10–25%
  • ChangedTwining, Gabriel, Aaron · ownership Less than 5% → 5–10%
Mar 28, 2020 filing
  • AddedTwining, Gabriel, Aaron · CHIEF PERSONNEL OFFICER · Less than 5% · control person
Mar 28, 2019 filing
  • ChangedDICK, DAVID, ALDEN · title VICE PRESIDENT → CHIEF COMPLIANCE OFFICER
  • ChangedTWINING, JAMES, BARBER · title CHIEF EXECUTIVE OFFICER / CHIEF COMPLIANCE OFFICER → CHIEF EXECUTIVE OFFICER
Jan 26, 2015 filing
  • AddedTWINING, NATHAN, JAMES · CHIEF TECHNOLOGY OFFICER · 5–10% · control person
  • AddedWOLF, WILLIAM, DEVIN · CHIEF INVESTMENT OFFICER · 10–25% · control person
  • ChangedDICK, DAVID, ALDEN · now a control person
  • ChangedTWINING, JAMES, BARBER · title PRESIDENT/ CHIEF COMPLIANCE OFFICER → CHIEF EXECUTIVE OFFICER / CHIEF COMPLIANCE OFFICER; ownership 75% or more → 50–75%
Oct 30, 2012 filing (earliest on record)
  • ListedDICK, DAVID, ALDEN · VICE PRESIDENT · 10–25%
  • ListedTWINING, JAMES, BARBER · PRESIDENT/ CHIEF COMPLIANCE OFFICER · 75% or more · 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 64 →

Top Trims

Show all 9 →

New Positions

Show all 8 →

Exited Positions

Show all 7 →

Financial Plan, Inc. Holdings (2026-06-30)

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 AMERICAN CENTY ETF TR AVUS 025072885 $182.9M 17.36% 1,428,195 SH
2 DIMENSIONAL ETF TRUST DFAC 25434V708 $164.3M 15.59% 3,704,312 SH
3 AMERICAN CENTY ETF TR AVDE 025072703 $107.8M 10.23% 1,209,058 SH
4 DIMENSIONAL ETF TRUST DFIC 25434V799 $60.2M 5.71% 1,614,612 SH
5 DIMENSIONAL ETF TRUST DFSD 25434V864 $49.6M 4.70% 1,038,034 SH
6 AMERICAN CENTY ETF TR AVEM 025072604 $49.3M 4.68% 511,267 SH
7 AMERICAN CENTY ETF TR AVSF 025072687 $43.2M 4.09% 926,710 SH
8 VANGUARD MALVERN FDS VTIP 922020805 $39.0M 3.70% 776,767 SH
9 AMERICAN CENTY ETF TR AVRE 025072356 $37.8M 3.58% 797,049 SH
10 DIMENSIONAL ETF TRUST DFEM 25434V732 $31.0M 2.95% 763,903 SH
11 SPDR SERIES TRUST SPMB 78464A383 $30.2M 2.87% 1,354,741 SH
12 DIMENSIONAL ETF TRUST DUSB 25434V591 $29.8M 2.83% 587,139 SH
13 DIMENSIONAL ETF TRUST DFGR 25434V658 $29.1M 2.77% 1,006,202 SH
14 DIMENSIONAL ETF TRUST DFAX 25434V880 $26.5M 2.51% 718,310 SH
15 DIMENSIONAL ETF TRUST DFCF 25434V872 $24.4M 2.31% 576,998 SH
16 ISHARES TR STIP 46429B747 $10.7M 1.02% 104,859 SH
17 DIMENSIONAL ETF TRUST DFIP 25434V856 $9.5M 0.91% 231,318 SH
18 VANGUARD SCOTTSDALE FDS VCSH 92206C409 $7.9M 0.75% 99,573 SH
19 AMERICAN CENTY ETF TR AVIG 025072562 $7.1M 0.68% 172,083 SH
20 VANGUARD SCOTTSDALE FDS VGSH 92206C102 $6.6M 0.63% 113,466 SH
21 APPLE INC AAPL 037833100 $6.1M 0.58% 21,053 SH
22 AMERICAN CENTY ETF TR AVUV 025072877 $6.1M 0.58% 48,709 SH
23 CATERPILLAR INC CAT 149123101 $5.9M 0.56% 5,511 SH
24 VANGUARD BD INDEX FDS BSV 921937827 $5.6M 0.53% 71,969 SH
25 ISHARES TR SHV 464288679 $5.1M 0.49% 46,426 SH
26 VANGUARD SCOTTSDALE FDS VMBS 92206C771 $4.9M 0.46% 103,640 SH
27 MICROSOFT CORP MSFT 594918104 $4.6M 0.44% 12,363 SH
28 ISHARES TR SUB 464288158 $4.5M 0.43% 42,464 SH
29 SPDR SERIES TRUST SPSB 78464A474 $3.9M 0.37% 130,057 SH
30 VANGUARD INTL EQUITY INDEX F VT 922042742 $3.6M 0.34% 22,679 SH
31 DIMENSIONAL ETF TRUST DFAI 25434V203 $3.5M 0.33% 85,267 SH
32 SPDR GOLD TR GLD 78463V107 $3.4M 0.32% 9,258 SH
33 VANGUARD MUN BD FDS VTEB 922907746 $2.7M 0.26% 53,422 SH
34 VANGUARD INDEX FDS VTI 922908769 $2.5M 0.24% 6,734 SH
35 ISHARES TR REET 46434V647 $2.5M 0.23% 88,787 SH
36 ISHARES SILVER TR SLV 46428Q109 $2.1M 0.20% 40,008 SH
37 AMERICAN CENTY ETF TR AVDV 025072802 $2.0M 0.19% 18,949 SH
38 BANK OF NY MELLON CORP BNY 064058100 $1.8M 0.17% 12,107 SH
39 DIMENSIONAL ETF TRUST DFAU 25434V104 $1.6M 0.16% 31,772 SH
40 BERKSHIRE HATHAWAY INC DEL BRK.A 084670108 $1.5M 0.14% 2 SH
41 TESLA INC TSLA 88160R101 $1.5M 0.14% 3,488 SH
42 AMERICAN CENTY ETF TR AVGE 025072232 $1.4M 0.13% 14,323 SH
43 COSTCO WHOLESALE CORPORATION COST 22160K105 $1.4M 0.13% 1,457 SH
44 NVIDIA CORPORATION NVDA 67066G104 $1.3M 0.13% 6,725 SH
45 DIMENSIONAL ETF TRUST DFSU 25434V716 $1.3M 0.12% 27,901 SH
46 ISHARES TR IWF 464287614 $1.3M 0.12% 10,360 SH
47 AMERICAN CENTY ETF TR AVSU 025072281 $1.3M 0.12% 14,249 SH
48 DIMENSIONAL ETF TRUST DFUS 25434V401 $1.3M 0.12% 15,393 SH
49 SPDR SERIES TRUST SPTM 78464A805 $1.3M 0.12% 13,842 SH
50 DIMENSIONAL ETF TRUST DFNM 25434V849 $1.2M 0.11% 24,574 SH
Filing History
Period Filed AUM Holdings Accession
2026-06-30 2026-08-14 $1.05B 95 0002107584-26-000004
2026-03-31 2026-04-27 $932.9M 94 0002107584-26-000002
2025-12-31 2026-01-28 $871.1M 94 0002107584-26-000001
Filer Information
Address
11 BELLWETHER WAY, SUITE 301
BELLINGHAM, WA 98225
Phone
(360) 714-1234
Filing Manager
Financial Plan, Inc.
BELLINGHAM, WA
Signatory
David Dick
Principal