Q3 2026 13F · SEC CIK 1954044

Fee-Only Financial Planning, L.C.

Wealth managerFiled 2026-10-23 for Q3 2026. Open the filing ↗ · All SEC filings ↗

Reported 13F value: $182.3M
Reported positions: 43
Top holdings a year, 3 yrs: +17.7%
Assets under management: $404.4M

Fee-Only Financial Planning, L.C. is a wealth manager that reported 43 positions worth $182.3M in its Q3 2026 13F, filed 2026-10-23. Its largest holdings were Vanguard Index Fds (VUG, 30.7%), Vanguard Index Fds (VTV, 18.4%), Vanguard Index Fds (VO, 8.5%). A portfolio copying its top holdings returned 17.7% a year over the last 3 years, against 18.8% for the S&P 500.

Fee-Only Financial Planning, L.C. holdings all 43 positions.

Weights are shares of the filer's total reported 13F value, compared with Q2 2026. Share changes may reflect splits; weight changes also reflect price moves. A 13F shows long US-listed positions only, up to 135 days after the fact.

Fee-Only Financial Planning, L.C. 13F holdings
Stock	% of 13F value	Q2 2026	Shares	Share change	Reported value
VUGVanguard Index Fds	30.7%	29.1%	621,210	-1.3%	$56.0M
VTVVanguard Index Fds	18.4%	18.8%	155,669	-3.1%	$33.6M
VOVanguard Index Fds	8.5%	8.6%	196,983	-1.6%	$15.4M
VBVanguard Index Fds	6.5%	6.9%	41,876	-2.0%	$11.9M
VBRVanguard Index Fds	6.4%	6.8%	50,822	-2.0%	$11.7M
VBKVanguard Index Fds	5.4%	5.8%	28,953	-1.9%	$9.8M
VEUVanguard Intl Equity Index F	4.4%	4.5%	97,745	-1.5%	$8.1M
VOOVanguard Index Fds	2.6%	2.5%	6,770	-2.0%	$4.7M
VOEVanguard Index Fds	2.4%	2.4%	22,342	-0.9%	$4.4M
VTIVanguard Index Fds	1.8%	1.8%	8,925	+0.1%	$3.3M
VXFVanguard Index Fds	1.3%	1.4%	10,066	-4.3%	$2.3M
VOTVanguard Index Fds	1.1%	1.2%	7,045	-0.7%	$2.1M
BACBank of Amer Corp	1.0%	1.0%	34,317	+0.0%	$1.9M
MGKVanguard World Fd	1.0%	1.0%	19,930	-2.8%	$1.8M
PMPhilip Morris Intl Inc	0.8%	0.7%	7,666	+0.0%	$1.5M
VEAVanguard Ftse Developed Markets Index Fu	0.7%	0.7%	18,894	+0.0%	$1.3M
VDEVanguard World Fd	0.6%	0.5%	6,000	-6.3%	$1.0M
VVVanguard Index Fds	0.5%	0.5%	2,705	-5.1%	$952K
AAPLApple Inc	0.5%	0.4%	2,777	+0.0%	$925K
XOMExxonmobil Holdings Corp	0.4%	New	4,872	—	$793K
MOAltria Group Inc	0.4%	0.4%	10,303	+0.0%	$694K
TFCTruist Finl Corp	0.4%	0.4%	13,951	-2.2%	$646K
TAt&t Inc	0.3%	0.3%	25,277	-0.4%	$617K
MSFTMicrosoft Corp	0.3%	0.2%	1,178	+0.0%	$604K
AEPAmerican Elec Pwr Co Inc	0.3%	0.3%	4,669	+0.0%	$554K
GEGe Aerospace	0.3%	0.3%	1,512	+0.0%	$472K
SOSouthern Co	0.3%	0.3%	5,518	+0.0%	$457K
VWOVanguard Intl Equity Index F	0.2%	0.2%	7,640	+0.0%	$453K
GEVGe Vernova Inc	0.2%	0.3%	414	+0.0%	$394K
MDLZMondelez International	0.2%	0.2%	5,941	+0.0%	$344K
ADBEAdobe Inc	0.2%	0.2%	1,405	+0.0%	$337K
WBDWarner Bros Discovery Inc	0.2%	0.1%	9,945	+0.0%	$308K
FENYFidelity Covington Trust	0.2%	0.1%	8,500	-4.9%	$288K
AZOAutozone Inc	0.2%	0.2%	100	+0.0%	$283K
SCZIshares Tr	0.2%	0.1%	3,350	+0.0%	$283K
JNJJohnson & Johnson	0.2%	0.1%	1,050	+0.0%	$278K
RDVYFirst Tr Exchange Traded Fd	0.2%	0.2%	3,535	-14.5%	$277K
IJKIshares S&p Mid Cap 400 Growth	0.1%	0.2%	2,460	+0.0%	$270K
DDominion Energy Inc	0.1%	0.2%	3,960	-7.6%	$240K
QQQInvesco Qqq Tr	0.1%	0.1%	315	+0.0%	$233K
VXUSVanguard Star Fds	0.1%	0.1%	2,631	+0.0%	$224K
IJTIshares Tr	0.1%	0.1%	1,320	+0.0%	$212K
IJSIshares Tr	0.1%	0.1%	1,600	+0.0%	$205K

What Fee-Only Financial Planning, L.C. bought and sold in Q3 2026, against Q2 2026.

New positions

XOM Exxonmobil Holdings Corp0.4% of 13F

Added to

No position grew by more than 5%.

Reduced

RDVY First Tr Exchange Traded Fd-14.5% shares
D Dominion Energy Inc-7.6% shares
VDE Vanguard World Fd-6.3% shares
VV Vanguard Index Fds-5.1% shares

Sold out

Share counts compared with the Q2 2026 13F; a split also changes share counts.

How the holdings did against the S&P 500.

1 year: +21.5% /yr; S&P 500 +20.1%
3 years: +17.7% /yr; S&P 500 +18.8%
5 years: —

A portfolio of the filer's 20 largest 13F positions, weighted by value, bought the trading day after each 13F was filed and held until the next one was: what copying this filer could have earned. 13Fs show long US-listed positions only, so this is an estimate of the stock picks, not the fund's reported returns.

Reported 13F value by quarter.

13F value by quarter
Quarter	13F value	Positions
Q3 2026	$182.3M	43
Q2 2026	$186.6M	45
Q1 2026	$165.7M	43
Q4 2025	$171.5M	42
Q3 2025	$171.4M	42
Q2 2025	$161.5M	41
Q1 2025	$146.5M	41
Q4 2024	$154.8M	40
Q3 2024	$156.1M	40
Q2 2024	$148.5M	40
Q1 2024	$148.2M	41
Q4 2023	$138.5M	41

Questions about Fee-Only Financial Planning, L.C.'s portfolio

What stocks does Fee-Only Financial Planning, L.C. own?

Fee-Only Financial Planning, L.C.'s latest 13F, for Q3 2026 and filed Oct 23, 2026, lists 43 positions worth $182.3M. The largest are Vanguard Index Fds (VUG) at 30.7%, Vanguard Index Fds (VTV) at 18.4%, Vanguard Index Fds (VO) at 8.5%, Vanguard Index Fds (VB) at 6.5% and Vanguard Index Fds (VBR) at 6.4%.

What did Fee-Only Financial Planning, L.C. buy last quarter?

In Q3 2026, Fee-Only Financial Planning, L.C. added a new position in Exxonmobil Holdings Corp (XOM), compared with its Q2 2026 filing.

What did Fee-Only Financial Planning, L.C. sell last quarter?

In Q3 2026, Fee-Only Financial Planning, L.C. sold all of Exxon Mobil Corp (XOM), sold all of Ishares Tr (IJJ), sold all of Norfolk Southn Corporation (NSC), First Tr Exchange Traded Fd (RDVY) (-14.5% shares), Dominion Energy Inc (D) (-7.6% shares) and Vanguard World Fd (VDE) (-6.3% shares), compared with its Q2 2026 filing.

How has Fee-Only Financial Planning, L.C.'s portfolio performed?

A portfolio copying Fee-Only Financial Planning, L.C.'s 20 largest 13F holdings each quarter, from the day each filing was public, returned +17.7% a year over the last 3 years, against +18.8% for the S&P 500. Over 1 year: +21.5% against +20.1%.

When is Fee-Only Financial Planning, L.C.'s next 13F filing due?

13F filings are due 45 days after each quarter ends. Fee-Only Financial Planning, L.C.'s filing for the quarter ending Dec 31, 2026 is due by Feb 14, 2027; this page updates the day after it is published.

How much money does Fee-Only Financial Planning, L.C. manage?

Fee-Only Financial Planning, L.C. reported $404.4M of regulatory assets under management on its latest SEC Form ADV. Its 13F, which covers only US-listed stocks and options, totals $182.3M.