Q3 2026 13F · SEC CIK 2100519

Pearl Planning LLC

Wealth managerFiled 2026-10-13 for Q3 2026. Open the filing ↗ · All SEC filings ↗

Reported 13F value: $241.0M
Reported positions: 61
Holdings vs S&P 500, 3 yrs: —
Assets under management: $329.2M

Pearl Planning LLC is a wealth manager that reported 61 positions worth $241.0M in its Q3 2026 13F, filed 2026-10-13. Its largest holdings were Vanguard Index Fds (VOO, 14.4%), Avantis International Equity ETF (AVDE, 12.5%), Jpmorgan Income ETF (JPIE, 7.8%).

Pearl Planning LLC holdings largest 50 of 61 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.

Pearl Planning LLC 13F holdings
Stock	% of 13F value	Q2 2026	Shares	Share change	Reported value
VOOVanguard Index Fds	14.4%	14.4%	49,450	+8.8%	$34.7M
AVDEAvantis International Equity ETF	12.5%	10.7%	334,972	+28.0%	$30.2M
JPIEJpmorgan Income ETF	7.8%	8.3%	418,492	+6.9%	$18.8M
FBNDFidelity Merrimack Str Tr	7.5%	8.1%	416,375	+8.0%	$18.0M
VOVanguard Index Fds	6.1%	6.8%	188,109	+2.7%	$14.8M
FRDMEa Series Trust	4.8%	5.7%	166,799	-1.3%	$11.7M
VTVVanguard Index Fds	4.5%	7.0%	50,552	-28.1%	$10.9M
ESGVVanguard World Fd	4.1%	3.7%	73,116	+20.6%	$9.9M
DGROIshares Tr	4.0%	4.0%	129,066	+13.7%	$9.7M
QQQMInvesco Exch Traded Fd Tr II	3.3%	3.1%	26,391	+16.8%	$8.0M
AVUVAmerican Centy ETF Tr	3.3%	3.8%	67,672	+1.4%	$8.0M
HYMUBlackrock ETF Trust II	3.0%	—	340,940	—	$7.3M
TAXET Rowe Price Exchange-Traded	3.0%	—	147,274	—	$7.1M
TMSLT Rowe Price Exchange-Traded	2.1%	2.5%	123,221	+0.6%	$5.0M
BOXXEa Series Trust	1.8%	2.1%	36,578	-6.7%	$4.3M
BSVVanguard Bd Index Fds	1.7%	1.7%	54,745	+18.3%	$4.2M
QQQInvesco Qqq Tr	1.7%	1.7%	5,553	+13.4%	$4.1M
QQMGInvesco Exch Traded Fd Tr II	1.6%	1.5%	73,722	+17.8%	$3.8M
VCEBVanguard Esg U.s. Corporate Bond ETF	1.3%	1.6%	52,750	-4.8%	$3.1M
ESMLIshares Tr	1.1%	1.2%	49,650	+6.1%	$2.6M
BILSpdr Series Trust	1.1%	1.4%	28,114	-13.8%	$2.6M
IDMOInvesco Exch Traded Fd Tr II	0.6%	0.7%	25,084	-1.1%	$1.5M
IVVIshares Tr	0.4%	0.5%	1,346	-0.1%	$1.0M
JCPBJ P Morgan Exchange Traded F	0.4%	—	22,850	—	$1.0M
AAPLApple Inc	0.4%	0.3%	3,004	+20.8%	$1.0M
VBVanguard Index Fds	0.4%	0.5%	3,407	-1.1%	$969K
QUALIshares Tr	0.4%	0.5%	4,356	-16.3%	$968K
VEAVanguard Ftse Developed Markets Index Fu	0.4%	0.4%	12,266	-0.5%	$866K
VCRBVanguard Malvern Fds	0.3%	—	11,236	—	$827K
AMZNAmazon Com Inc	0.3%	0.1%	3,242	+157.1%	$808K
NVDANvidia Corporation	0.3%	0.2%	3,430	+82.1%	$783K
MSFTMicrosoft Corp	0.3%	0.2%	1,501	+31.1%	$770K
AVSCAmerican Centy ETF Tr	0.3%	0.4%	11,005	-2.7%	$761K
IWFIshares Tr	0.3%	0.3%	5,673	+0.0%	$711K
XMHQInvesco Exchange Traded Fd T	0.3%	0.4%	6,131	-11.2%	$684K
IJHIshares Tr	0.3%	0.3%	9,191	-2.5%	$661K
TSLATesla Inc	0.3%	—	1,750	—	$621K
JKFIshares Tr	0.2%	0.2%	5,317	+0.7%	$560K
IEFAIshares Tr	0.2%	0.2%	5,769	+3.6%	$559K
METAMeta Platforms Inc	0.2%	0.2%	716	+2.3%	$519K
BNDVanguard Bd Index Fds	0.2%	0.8%	6,653	-71.6%	$467K
XLKSelect Sector Spdr Tr	0.2%	0.2%	2,232	+0.0%	$437K
BIVVanguard Bd Index Fds	0.2%	0.5%	5,934	-58.2%	$432K
VOTETcw ETF Trust	0.2%	0.2%	4,761	+0.0%	$429K
GOOGLAlphabet Inc	0.2%	0.1%	1,212	+42.9%	$417K
RSGRepublic Svcs Inc	0.2%	0.2%	1,863	+0.0%	$391K
ORCLOracle Corp	0.2%	0.2%	2,781	-6.8%	$382K
FEOERbb Fund Trust	0.1%	0.2%	6,306	+0.0%	$339K
VTIVanguard Index Fds	0.1%	0.1%	873	+9.1%	$327K
ESGUIshares Tr	0.1%	—	1,732	—	$289K

What Pearl Planning LLC bought and sold in Q3 2026, against Q2 2026.

New positions

Q2 2026's filing was too long to tell new positions apart.

Share counts compared with the Q2 2026 13F; a split also changes share counts. The latest filing lists more than 50 positions, so a position that left the top 50 may still be held.

How the holdings did against the S&P 500.

1 year: —
3 years: —
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	$241.0M	61
Q2 2026	$217.4M	58
Q1 2026	$187.1M	52
Q4 2025	$163.5M	52

Questions about Pearl Planning LLC's portfolio

What stocks does Pearl Planning LLC own?

Pearl Planning LLC's latest 13F, for Q3 2026 and filed Oct 13, 2026, lists 61 positions worth $241.0M. The largest are Vanguard Index Fds (VOO) at 14.4%, Avantis International Equity ETF (AVDE) at 12.5%, Jpmorgan Income ETF (JPIE) at 7.8%, Fidelity Merrimack Str Tr (FBND) at 7.5% and Vanguard Index Fds (VO) at 6.1%.

What did Pearl Planning LLC buy last quarter?

In Q3 2026, Pearl Planning LLC added Amazon Com Inc (AMZN) (+157.1% shares), Nvidia Corporation (NVDA) (+82.1% shares) and Alphabet Inc (GOOGL) (+42.9% shares), compared with its Q2 2026 filing.

What did Pearl Planning LLC sell last quarter?

In Q3 2026, Pearl Planning LLC cut from its top 50 Ishares Tr (MUB), cut from its top 50 Ishares Tr (AGG), cut from its top 50 International Business Machs (IBM), cut from its top 50 Vanguard Index Fds (VBR), cut from its top 50 Ishares Tr (ISTB), Vanguard Bd Index Fds (BND) (-71.6% shares), Vanguard Bd Index Fds (BIV) (-58.2% shares) and Vanguard Index Fds (VTV) (-28.1% shares), compared with its Q2 2026 filing.

When is Pearl Planning LLC's next 13F filing due?

13F filings are due 45 days after each quarter ends. Pearl Planning LLC'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 Pearl Planning LLC manage?

Pearl Planning LLC reported $329.2M of regulatory assets under management on its latest SEC Form ADV. Its 13F, which covers only US-listed stocks and options, totals $241.0M.