Cypress Financial Planning LLC
In its 13F for Q3 2025 (holdings as of September 30, 2025, filed October 9, 2025), Cypress Financial Planning LLC reported 86 stock positions worth $325.7 million. Its top holding was Vanguard Int-Term Corporate (VCIT) at 11.1% of the portfolio, followed by iShares Core S&P 500 ETF (IVV, 10.4%) and Vanguard Intermediate-Term T (VGIT, 8.5%). Compared with Q2 2025, it opened 6 new positions, added to 41 and reduced 31. The biggest buy was a new position in Dimension Ultrashort Fi ETF (DUSB) and the biggest sale iShares Core S&P 500 ETF (IVV, shares −2%).
- Most Recent 13F
- Q2 2026
- Location
- HADDON HEIGHTS, NJ
- CIK
- 0001937021
- Portfolio Value
- $325.7M (Q3 2025)
- SEC Filing
- 0001085146-25-005871 ↗ filed Oct 9, 2025
Holdings Value
Holdings 86 stocks · $325.7M
| VCIT Vanguard Int-Term Corporate | 11.08% | 428,989 | $36.1M | Add +3.7% |
| IVV iShares Core S&P 500 ETF | 10.44% | 50,816 | $34.0M | Reduce -1.9% |
| VGIT Vanguard Intermediate-Term T | 8.48% | 460,231 | $27.6M | Add +6.4% |
| VCSH Vanguard S/T Corp. Bond ETF | 8.36% | 340,579 | $27.2M | Add +7.0% |
| VEA Vanguard Ftse Developed ETF | 8.32% | 452,539 | $27.1M | Add +1.2% |
| VNQ Vanguard Real Estate ETF | 7.27% | 259,011 | $23.7M | Add +3.4% |
| VXF Vanguard Extended Market ETF | 7.21% | 112,236 | $23.5M | Reduce -1.2% |
| DGRO iShares Core Dividend Growth | 4.10% | 196,008 | $13.3M | Add +0.4% |
| ANGL Vaneck Fallen Angel High YLD | 4.01% | 439,541 | $13.1M | Add +6.9% |
| VWO Vanguard Ftse Emerging Marke | 2.99% | 179,988 | $9.8M | Reduce -0.7% |
| IEFA iShares Core MSCI Eafe ETF | 2.86% | 106,685 | $9.3M | Add +3.8% |
| XLF SS Financial Select Sector | 2.64% | 159,921 | $8.6M | Add +1.6% |
| VIG Vanguard Dividend Apprec ETF | 2.49% | 37,585 | $8.1M | Reduce -2.0% |
| SPY SS SPDR S&P 500 ETF Trust-US | 1.98% | 9,667 | $6.4M | Reduce -2.2% |
| MS Morgan Stanley | 1.84% | 37,717 | $6.0M | Add +0.0% |
| COF Capital One Financial Corp. | 1.49% | 22,803 | $4.8M | Add +0.0% |
| IEMG iShares Core MSCI Emerging | 1.11% | 54,849 | $3.6M | Add +1.8% |
| AAPL Apple Inc. | 0.69% | 8,858 | $2.3M | Add +0.4% |
| LMT Lockheed Martin Corp. | 0.63% | 4,093 | $2.0M | Reduce -0.1% |
| IJR iShares Core S&P Small-Cap E | 0.60% | 16,365 | $1.9M | Reduce -1.3% |
| BRK.B Berkshire Hathaway Inc. Class B | 0.58% | 3,765 | $1.9M | Add +0.2% |
| IEF iShares 7-10 Year Treasury B | 0.47% | 15,727 | $1.5M | No change |
| AMZN Amazon.com Inc. | 0.46% | 6,826 | $1.5M | Reduce -1.1% |
| SJNK SS SPDR BB St Hi Yield ETF | 0.45% | 57,454 | $1.5M | Add +8.2% |
| NFLX Netflix Inc. | 0.38% | 1,022 | $1.2M | Add +0.1% |
| VUG Vanguard Mrngstar GR ETF-Sui | 0.36% | 2,473 | $1.2M | Reduce -10.1% |
| VGK Vanguard Ftse Europe ETF | 0.32% | 12,898 | $1.0M | Reduce -0.1% |
| PSEP Innovator U.S. Equity Power | 0.30% | 22,829 | $981K | Reduce -2.0% |
| SHM SS SPDR N Ice St Muni ETF | 0.29% | 19,394 | $935K | Add +14.1% |
| MUB iShares National Muni Bond E | 0.28% | 8,634 | $919K | Add +7.8% |
| LQD Ishr Ibx Usd Invgd CB ETF-Ui | 0.28% | 8,173 | $911K | Add +1.9% |
| EFA iShares MSCI Eafe ETF | 0.26% | 9,210 | $860K | Reduce -2.5% |
| TFI SS SPDR N Ice Muni Bond ETF | 0.26% | 18,836 | $858K | Add +8.9% |
| IWF iShares Russell 1000 Growth | 0.26% | 1,777 | $832K | Reduce -1.2% |
| SCHX Schwab US Large-Cap ETF | 0.25% | 30,432 | $802K | Reduce -4.3% |
| VTI VG Morningstar TS MKT ETF-US | 0.24% | 2,384 | $782K | Reduce -0.0% |
| HYD Vaneck High Yield Muni ETF | 0.23% | 14,636 | $745K | Add +11.9% |
| NVDA Nvidia Corp. | 0.23% | 3,940 | $735K | Add +2.1% |
| MSFT Microsoft Corp. | 0.22% | 1,391 | $721K | Add +2.0% |
| PAUG Innovator U.S. Equity Power | 0.19% | 14,849 | $631K | Add +3.8% |
| IYR iShares US Real Estate ETF | 0.18% | 6,075 | $590K | No change |
| SPYM Ste STR SPDR PT S&P 500 ETF | 0.18% | 7,361 | $577K | Add +12.7% |
| PDEC Innovator U.S. Equity Power | 0.17% | 13,515 | $568K | Reduce -4.3% |
| JCI Johnson Controls Internation | 0.17% | 5,130 | $564K | Add +0.0% |
| PJUL Innovator U.S. Equity Power | 0.16% | 11,748 | $536K | Add +7.4% |
| IJS iShares S&P Small-Cap 600 Va | 0.16% | 4,771 | $528K | Reduce -1.9% |
| GOOG Alphabet Inc. Class C | 0.16% | 2,156 | $525K | Reduce -4.6% |
| VOO Vanguard S&P 500 ETF | 0.16% | 850 | $521K | Add +1.4% |
| POCT Innovator U.S. Equity Power | 0.15% | 11,329 | $488K | Reduce -5.9% |
| IWM iShares Russell 2000 ETF | 0.15% | 2,017 | $488K | Reduce -4.7% |
| JPM JPMorgan Chase & Co. | 0.14% | 1,449 | $457K | Add +0.6% |
| PFEB Innovator U.S. Equity Power | 0.14% | 11,123 | $441K | Reduce -1.2% |
| ISEP Innovator Intl Dev Eq Power | 0.13% | 13,399 | $427K | Add +15.3% |
| IOCT Innovator Int Dev Power Buff | 0.12% | 11,609 | $397K | Reduce -0.4% |
| SPDW Ste STR SPDR PT DW Eu ETF | 0.12% | 9,047 | $387K | Add +1.5% |
| VB Vanguard Most SM-Cap ETF-Usd | 0.12% | 1,518 | $386K | Reduce -3.2% |
| PNOV Innovator U.S. Equity Power | 0.12% | 9,310 | $382K | Reduce -0.1% |
| IDEC Inno Int Dev Power Buff Dec | 0.12% | 12,171 | $378K | No change |
| AMT American Tower Corp. | 0.11% | 1,937 | $373K | Add +0.1% |
| IJUL Innovator International Deve | 0.11% | 11,289 | $369K | Reduce -0.3% |
| QCOM Qualcomm Inc. | 0.11% | 2,185 | $364K | Add +0.2% |
| HEFA Isha Curr Hedged MSCI Eafe | 0.11% | 9,029 | $358K | Add +0.3% |
| DUSB Dimension Ultrashort Fi ETF | 0.10% | 6,732 | $342K | New |
| SPIB SS SPDR P Int C Corp. ETF | 0.10% | 9,907 | $336K | Add +0.1% |
| BJAN Innovator U.S. Equity Buffer | 0.10% | 6,316 | $335K | Reduce -1.7% |
| SHOP Shopify Inc. Class A | 0.10% | 2,215 | $329K | Reduce -11.5% |
| TSLA Tesla Inc. | 0.10% | 717 | $319K | Reduce -27.6% |
| UAN CVR Partners LP | 0.10% | 3,500 | $315K | No change |
| IBM Intl Business Machines Corp. filed as INTERNATIONAL BUSINESS MACHS | 0.10% | 1,099 | $310K | Add +0.3% |
| UNH Unitedhealth Group Inc. | 0.09% | 863 | $298K | New |
| ABBV Abbvie Inc. | 0.09% | 1,259 | $291K | Add +0.9% |
| SCHH Schwab US REIT ETF | 0.09% | 13,454 | $290K | Add +5.0% |
| EA Electronic Arts Inc. | 0.09% | 1,399 | $282K | No change |
| PMAY Innovator U.S. Equity Power | 0.09% | 7,236 | $281K | Reduce -0.5% |
| VZ Verizon Communications Inc. | 0.08% | 6,038 | $265K | New |
| PG The Procter & Gamble Co. | 0.08% | 1,724 | $265K | Add +1.2% |
| SPSM SS SPDR P S&P 600 Small Cap | 0.07% | 5,245 | $243K | Add +0.6% |
| AVGO Broadcom Inc. | 0.07% | 734 | $242K | New |
| PMAR Innovator U.S. Equity Power | 0.07% | 5,361 | $235K | No change |
| JNK SS SPDR BB High Yield Bond | 0.07% | 2,379 | $233K | Reduce -9.2% |
| PLTR Palantir Technologies Inc. Class A | 0.07% | 1,261 | $230K | New |
| VTV Vanguard Mrngstr Val ETF-Aui | 0.07% | 1,194 | $223K | Reduce -1.7% |
| PAPR Innovator U.S. Equity Power | 0.07% | 5,785 | $222K | No change |
| SPSB SS SPDR P St C Corp. ETF | 0.07% | 7,245 | $219K | Add +1.9% |
| IJUN Innov Intl Dev PB ETF - June | 0.07% | 7,609 | $216K | No change |
| XOM Exxon Mobil Corp. | 0.06% | 1,776 | $200K | New |
Options reported separately and not counted above: QQQ puts ($1.9M), SPY puts ($266K), SPY calls ($133K).
Portfolio Sells Q2 2025 → Q3 2025
| IVV iShares Core S&P 500 ETF | Reduce -1.9% | 10.44% | −0.13 |
| VIG Vanguard Dividend Apprec ETF | Reduce -2.0% | 2.49% | −0.09 |
| AMZN Amazon.com Inc. | Reduce -1.1% | 0.46% | −0.04 |
| VUG Vanguard Mrngstar GR ETF-Sui | Reduce -10.1% | 0.36% | −0.03 |
| SPY SS SPDR S&P 500 ETF Trust-US | Reduce -2.2% | 1.98% | −0.03 |
| POCT Innovator U.S. Equity Power | Reduce -5.9% | 0.15% | −0.01 |
| EFA iShares MSCI Eafe ETF | Reduce -2.5% | 0.26% | −0.01 |
| VGK Vanguard Ftse Europe ETF | Reduce -0.1% | 0.32% | −0.01 |
| JNK SS SPDR BB High Yield Bond | Reduce -9.2% | 0.07% | −0.01 |
| PSEP Innovator U.S. Equity Power | Reduce -2.0% | 0.30% | −0.01 |
| PDEC Innovator U.S. Equity Power | Reduce -4.3% | 0.17% | −0.01 |
| SCHX Schwab US Large-Cap ETF | Reduce -4.3% | 0.25% | −0.01 |
| IJUL Innovator International Deve | Reduce -0.3% | 0.11% | −0.01 |
| TSLA Tesla Inc. | Reduce -27.6% | 0.10% | −0.01 |
| PFEB Innovator U.S. Equity Power | Reduce -1.2% | 0.14% | −0.01 |
| IOCT Innovator Int Dev Power Buff | Reduce -0.4% | 0.12% | −0.00 |
| PMAY Innovator U.S. Equity Power | Reduce -0.5% | 0.09% | −0.00 |
| PNOV Innovator U.S. Equity Power | Reduce -0.1% | 0.12% | −0.00 |
| VB Vanguard Most SM-Cap ETF-Usd | Reduce -3.2% | 0.12% | −0.00 |
| BJAN Innovator U.S. Equity Buffer | Reduce -1.7% | 0.10% | −0.00 |
| VTV Vanguard Mrngstr Val ETF-Aui | Reduce -1.7% | 0.07% | −0.00 |
| IWM iShares Russell 2000 ETF | Reduce -4.7% | 0.15% | −0.00 |
| IJR iShares Core S&P Small-Cap E | Reduce -1.3% | 0.60% | +0.00 |
| VTI VG Morningstar TS MKT ETF-US | Reduce -0.0% | 0.24% | +0.00 |
| IJS iShares S&P Small-Cap 600 Va | Reduce -1.9% | 0.16% | +0.00 |
| LMT Lockheed Martin Corp. | Reduce -0.1% | 0.63% | +0.00 |
| IWF iShares Russell 1000 Growth | Reduce -1.2% | 0.26% | +0.00 |
| SHOP Shopify Inc. Class A | Reduce -11.5% | 0.10% | +0.01 |
| VXF Vanguard Extended Market ETF | Reduce -1.2% | 7.21% | +0.02 |
| GOOG Alphabet Inc. Class C | Reduce -4.6% | 0.16% | +0.03 |
| VWO Vanguard Ftse Emerging Marke | Reduce -0.7% | 2.99% | +0.05 |
Portfolio Buys Q2 2025 → Q3 2025
| DUSB Dimension Ultrashort Fi ETF | New | 0.10% | +0.10 |
| AAPL Apple Inc. | Add +0.4% | 0.69% | +0.10 |
| MS Morgan Stanley | Add +0.0% | 1.84% | +0.10 |
| UNH Unitedhealth Group Inc. | New | 0.09% | +0.09 |
| VZ Verizon Communications Inc. | New | 0.08% | +0.08 |
| AVGO Broadcom Inc. | New | 0.07% | +0.07 |
| PLTR Palantir Technologies Inc. Class A | New | 0.07% | +0.07 |
| XOM Exxon Mobil Corp. | New | 0.06% | +0.06 |
| ANGL Vaneck Fallen Angel High YLD | Add +6.9% | 4.01% | +0.06 |
| IEMG iShares Core MSCI Emerging | Add +1.8% | 1.11% | +0.05 |
| VCSH Vanguard S/T Corp. Bond ETF | Add +7.0% | 8.36% | +0.05 |
| IEFA iShares Core MSCI Eafe ETF | Add +3.8% | 2.86% | +0.04 |
| NVDA Nvidia Corp. | Add +2.1% | 0.23% | +0.03 |
| SPYM Ste STR SPDR PT S&P 500 ETF | Add +12.7% | 0.18% | +0.02 |
| SHM SS SPDR N Ice St Muni ETF | Add +14.1% | 0.29% | +0.02 |
| ABBV Abbvie Inc. | Add +0.9% | 0.09% | +0.01 |
| ISEP Innovator Intl Dev Eq Power | Add +15.3% | 0.13% | +0.01 |
| HYD Vaneck High Yield Muni ETF | Add +11.9% | 0.23% | +0.01 |
| TFI SS SPDR N Ice Muni Bond ETF | Add +8.9% | 0.26% | +0.01 |
| MUB iShares National Muni Bond E | Add +7.8% | 0.28% | +0.01 |
| SJNK SS SPDR BB St Hi Yield ETF | Add +8.2% | 0.45% | +0.01 |
| PJUL Innovator U.S. Equity Power | Add +7.4% | 0.16% | +0.01 |
| PAUG Innovator U.S. Equity Power | Add +3.8% | 0.19% | +0.00 |
| VOO Vanguard S&P 500 ETF | Add +1.4% | 0.16% | +0.00 |
| JPM JPMorgan Chase & Co. | Add +0.6% | 0.14% | +0.00 |
| SPSM SS SPDR P S&P 600 Small Cap | Add +0.6% | 0.07% | +0.00 |
| SPDW Ste STR SPDR PT DW Eu ETF | Add +1.5% | 0.12% | +0.00 |
| SCHH Schwab US REIT ETF | Add +5.0% | 0.09% | 0.00 |
| MSFT Microsoft Corp. | Add +2.0% | 0.22% | −0.00 |
| HEFA Isha Curr Hedged MSCI Eafe | Add +0.3% | 0.11% | −0.00 |
| QCOM Qualcomm Inc. | Add +0.2% | 0.11% | −0.00 |
| SPSB SS SPDR P St C Corp. ETF | Add +1.9% | 0.07% | −0.00 |
| DGRO iShares Core Dividend Growth | Add +0.4% | 4.10% | −0.00 |
| JCI Johnson Controls Internation | Add +0.0% | 0.17% | −0.00 |
| SPIB SS SPDR P Int C Corp. ETF | Add +0.1% | 0.10% | −0.01 |
| PG The Procter & Gamble Co. | Add +1.2% | 0.08% | −0.01 |
| LQD Ishr Ibx Usd Invgd CB ETF-Ui | Add +1.9% | 0.28% | −0.01 |
| IBM Intl Business Machines Corp. | Add +0.3% | 0.10% | −0.01 |
| VGIT Vanguard Intermediate-Term T | Add +6.4% | 8.48% | −0.02 |
| BRK.B Berkshire Hathaway Inc. Class B | Add +0.2% | 0.58% | −0.02 |
| AMT American Tower Corp. | Add +0.1% | 0.11% | −0.03 |
| VEA Vanguard Ftse Developed ETF | Add +1.2% | 8.32% | −0.05 |
| XLF SS Financial Select Sector | Add +1.6% | 2.64% | −0.06 |
| VNQ Vanguard Real Estate ETF | Add +3.4% | 7.27% | −0.06 |
| NFLX Netflix Inc. | Add +0.1% | 0.38% | −0.07 |
| COF Capital One Financial Corp. | Add +0.0% | 1.49% | −0.11 |
| VCIT Vanguard Int-Term Corporate | Add +3.7% | 11.08% | −0.19 |
Options Activity Q2 2025 → Q3 2025
| SPY SS SPDR S&P 500 ETF Trust-US | put | Reduce -20.0% | 400 | $266K |
| SPY SS SPDR S&P 500 ETF Trust-US | call | New | 200 | $133K |
Calls and puts are listed by the shares they cover; their value is not part of the stock holdings above.
All Filings
| Quarter | Positions | 13F Reported Value | Top Holdings |
|---|---|---|---|
| Q2 2026 | 106 | $408.2M | IVV, VCIT, VGIT, VCSH, VEA |
| Q1 2026 | 99 | $358.8M | VCIT, VGIT, VCSH, IVV, VEA |
| Q4 2025 | 102 | $357.7M | VCIT, IVV, VGIT, VCSH, VEA |
| Q3 2025 | 86 | $325.7M | VCIT, IVV, VGIT, VCSH, VEA |
| Q2 2025 | 80 | $304.4M | VCIT, IVV, VGIT, VEA, VCSH |
| Q1 2025 | 79 | $277.2M | VCIT, IVV, VGIT, VCSH, VEA |
| Q4 2024 | 79 | $272.5M | IVV, VCIT, VGIT, VCSH, VEA |
| Q3 2024 | 76 | $270.5M | VCIT, IVV, VGIT, VEA, VCSH |
| Q2 2024 | 68 | $239.0M | IVV, VCIT, VEA, VGIT, VCSH |
| Q1 2024 | 66 | $218.4M | VCIT, IVV, VEA, VCSH, VXF |