Q3 2026 13F · SEC CIK 1844278

Sterling Financial Planning, Inc.

Wealth managerFiled 2026-10-28 for Q3 2026. Open the filing ↗ · All SEC filings ↗

Reported 13F value: $364.8M
Reported positions: 124
Top holdings a year, 3 yrs: +17.2%
Assets under management: $760.8M

Sterling Financial Planning, Inc. is a wealth manager that reported 124 positions worth $364.8M in its Q3 2026 13F, filed 2026-10-28. Its largest holdings were Ishares Tr (IJJ, 6.3%), Ishares Tr (IVW, 5.7%), Ishares Tr (IJT, 5.6%). A portfolio copying its top holdings returned 17.2% a year over the last 3 years, against 20.4% for the S&P 500.

Sterling Financial Planning, Inc. holdings largest 50 of 124 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.

Sterling Financial Planning, Inc. 13F holdings
Stock	% of 13F value	Q2 2026	Shares	Share change	Reported value
IJJIshares Tr	6.3%	6.3%	167,200	+6.8%	$23.0M
IVWIshares Tr	5.7%	5.5%	147,339	-0.6%	$21.0M
IJTIshares Tr	5.6%	6.2%	127,113	-0.7%	$20.4M
IJKIshares S&p Mid Cap 400 Growth	5.5%	5.8%	183,776	+0.6%	$20.1M
IAUIshares Gold Tr	5.1%	4.8%	239,515	+2.5%	$18.7M
DFIVDimensional ETF Trust	4.8%	4.6%	311,045	+0.2%	$17.4M
DISVDimensional ETF Trust	3.6%	3.3%	307,396	+1.5%	$13.3M
FNDXSchwab Strategic Tr	3.6%	3.5%	415,377	-0.7%	$13.1M
VYMVanguard Whitehall Fds	3.6%	3.6%	83,774	+0.9%	$13.0M
BIVVanguard Bd Index Fds	3.2%	3.2%	161,978	+5.2%	$11.8M
DFSVDfa Invt Dimensions Group in	3.0%	—	290,843	—	$10.9M
XBJAInnovator U.s. Equity Accelerated 9 Buff	2.8%	2.7%	292,995	+1.5%	$10.2M
IJSIshares Tr	2.5%	2.7%	70,802	-3.5%	$9.1M
IVVIshares Tr	2.4%	2.5%	11,539	-6.0%	$8.8M
DFIPDimensional ETF Trust	2.1%	2.0%	198,252	+10.3%	$7.7M
DFEVDimensional ETF Trust	2.0%	2.0%	174,796	+0.9%	$7.4M
DFGRDimensional ETF Trust	1.9%	1.9%	255,734	+3.4%	$6.9M
AAPLApple Inc	1.6%	1.3%	17,846	+10.7%	$5.9M
BSVVanguard Bd Index Fds	1.4%	1.3%	66,170	+7.1%	$5.1M
QQQInvesco Qqq Tr	1.4%	1.4%	6,805	+0.5%	$5.0M
VCSHVanguard Scottsdale Fds	1.4%	1.3%	64,504	+4.1%	$5.0M
IVEIshares Tr	1.3%	1.3%	21,534	-0.7%	$4.9M
EFGIshares Tr	1.3%	1.4%	40,191	+0.5%	$4.8M
IJHIshares Tr	1.3%	1.4%	65,998	-1.2%	$4.7M
GOVTIshares Tr	1.2%	1.2%	199,493	+0.6%	$4.4M
VOEVanguard Index Fds	1.2%	1.2%	21,533	-0.2%	$4.2M
GLDSpdr Gold Tr	1.1%	1.0%	10,375	+0.8%	$4.0M
VTEBVanguard Mun Bd Fds	1.1%	1.1%	83,213	+5.4%	$3.9M
VOTVanguard Index Fds	0.9%	1.0%	11,551	+0.3%	$3.4M
VTESVanguard Wellington Fd	0.9%	1.0%	33,282	-3.9%	$3.3M
VTIPVanguard Malvern Fds	0.9%	0.8%	66,081	+8.1%	$3.3M
BNDXVanguard Charlotte Fds	0.8%	0.8%	65,554	+5.9%	$3.1M
IDVIshares Tr	0.8%	0.8%	70,752	-1.2%	$3.0M
VNQVanguard Index Fds	0.8%	0.8%	31,384	+0.5%	$2.8M
VBKVanguard Index Fds	0.8%	0.8%	8,229	-3.0%	$2.8M
DGSWisdomtree Tr	0.7%	0.7%	39,624	+0.8%	$2.5M
JNJJohnson & Johnson	0.7%	0.7%	9,174	-5.0%	$2.4M
FNDCSchwab Strategic Tr	0.6%	0.6%	47,195	-3.6%	$2.4M
VBRVanguard Index Fds	0.6%	0.7%	10,058	-3.1%	$2.3M
SPYState Str Spdr S&p 500 ETF T	0.5%	0.5%	2,586	-0.5%	$2.0M
VEAVanguard Ftse Developed Markets Index Fu	0.5%	0.6%	27,887	-2.3%	$2.0M
XOMExxonmobil Holdings Corp	0.5%	—	11,383	—	$1.9M
MSFTMicrosoft Corp	0.4%	0.3%	3,195	-2.5%	$1.6M
MUBIshares Tr	0.4%	0.5%	16,052	-6.1%	$1.6M
PRFInvesco Exchange Traded Fd T	0.4%	0.4%	27,602	-5.8%	$1.5M
IJRIshares Tr	0.4%	0.4%	10,652	-0.5%	$1.4M
SCZIshares Tr	0.4%	0.4%	16,070	+0.5%	$1.4M
TIPIshares Tr	0.3%	0.4%	12,210	-15.8%	$1.3M
DFLVDimensional ETF Trust	0.3%	0.3%	29,755	+2.4%	$1.2M
DFARDfa Invt Dimensions Group in	0.3%	—	49,443	—	$1.2M

What Sterling Financial Planning, Inc. bought and sold in Q3 2026, against Q2 2026.

New positions

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

Added to

Reduced

TIP Ishares Tr-15.8% shares
MUB Ishares Tr-6.1% shares
IVV Ishares Tr-6.0% shares
PRF Invesco Exchange Traded Fd T-5.8% shares

Left the top 50

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: +23.1% /yr; S&P 500 +20.1%
3 years: +17.2% /yr; S&P 500 +20.4%
5 years: +9.0% /yr; S&P 500 +11.6%

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	$364.8M	124
Q2 2026	$367.7M	123
Q1 2026	$337.3M	117
Q4 2025	$331.8M	120
Q3 2025	$317.1M	116
Q2 2025	$299.3M	116
Q1 2025	$275.7M	109
Q4 2024	$271.8M	108
Q3 2024	$271.2M	108
Q2 2024	$246.5M	106
Q1 2024	$246.8M	105
Q4 2023	$231.0M	102

Questions about Sterling Financial Planning, Inc.'s portfolio

What stocks does Sterling Financial Planning, Inc. own?

Sterling Financial Planning, Inc.'s latest 13F, for Q3 2026 and filed Oct 28, 2026, lists 124 positions worth $364.8M. The largest are Ishares Tr (IJJ) at 6.3%, Ishares Tr (IVW) at 5.7%, Ishares Tr (IJT) at 5.6%, Ishares S&p Mid Cap 400 Growth (IJK) at 5.5% and Ishares Gold Tr (IAU) at 5.1%.

What did Sterling Financial Planning, Inc. buy last quarter?

In Q3 2026, Sterling Financial Planning, Inc. added Apple Inc (AAPL) (+10.7% shares), Dimensional ETF Trust (DFIP) (+10.3% shares) and Vanguard Malvern Fds (VTIP) (+8.1% shares), compared with its Q2 2026 filing.

What did Sterling Financial Planning, Inc. sell last quarter?

In Q3 2026, Sterling Financial Planning, Inc. cut from its top 50 Dimensional US Small Cap (DFSV), cut from its top 50 Exxon Mobil Corp (XOM), cut from its top 50 Dimensional US Real (DFAR), Ishares Tr (TIP) (-15.8% shares), Ishares Tr (MUB) (-6.1% shares) and Ishares Tr (IVV) (-6.0% shares), compared with its Q2 2026 filing.

How has Sterling Financial Planning, Inc.'s portfolio performed?

A portfolio copying Sterling Financial Planning, Inc.'s 20 largest 13F holdings each quarter, from the day each filing was public, returned +17.2% a year over the last 3 years, against +20.4% for the S&P 500. Over 1 year: +23.1% against +20.1%. Over 5 years: +9.0% a year against +11.6%.

When is Sterling Financial Planning, Inc.'s next 13F filing due?

13F filings are due 45 days after each quarter ends. Sterling Financial Planning, Inc.'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 Sterling Financial Planning, Inc. manage?

Sterling Financial Planning, Inc. reported $760.8M of regulatory assets under management on its latest SEC Form ADV. Its 13F, which covers only US-listed stocks and options, totals $364.8M.