Cypress Financial Planning LLC
In its 13F for Q4 2025 (holdings as of December 31, 2025, filed January 14, 2026), Cypress Financial Planning LLC reported 102 stock positions worth $357.7 million. Its top holding was Vanguard Int-Term Corporate (VCIT) at 10.4% of the portfolio, followed by iShares Core S&P 500 ETF (IVV, 9.8%) and Vanguard Intermediate-Term T (VGIT, 9.7%). Compared with Q3 2025, it opened 18 new positions, sold out of 2, added to 43 and reduced 35. The biggest buy was Vanguard Intermediate-Term T (VGIT, shares +26%) and the biggest sale SS Financial Select Sector (XLF, shares −96%).
- Most Recent 13F
- Q2 2026
- Location
- HADDON HEIGHTS, NJ
- CIK
- 0001937021
- Portfolio Value
- $357.7M (Q4 2025)
- SEC Filing
- 0001937021-26-000001 ↗ filed Jan 14, 2026
Holdings Value
Holdings 102 stocks · $357.7M
| VCIT Vanguard Int-Term Corporate | 10.37% | 441,834 | $37.1M | Add +3.0% |
| IVV iShares Core S&P 500 ETF | 9.85% | 51,050 | $35.2M | Add +0.5% |
| VGIT Vanguard Intermediate-Term T | 9.70% | 578,081 | $34.7M | Add +25.6% |
| VCSH Vanguard S/T Corp. Bond ETF | 9.51% | 426,252 | $34.0M | Add +25.2% |
| VEA Vanguard Ftse Developed ETF | 8.47% | 482,694 | $30.3M | Add +6.7% |
| VXF Vanguard Extended Market ETF | 6.65% | 112,660 | $23.8M | Add +0.4% |
| DGRO iShares Core Dividend Growth | 4.80% | 245,493 | $17.2M | Add +25.3% |
| VNQ Vanguard Real Estate ETF | 4.76% | 190,871 | $17.0M | Reduce -26.3% |
| ANGL Vaneck Fallen Angel High YLD | 3.84% | 467,398 | $13.7M | Add +6.3% |
| VWO Vanguard Ftse Emerging Marke | 2.83% | 187,889 | $10.1M | Add +4.4% |
| IEFA iShares Core MSCI Eafe ETF | 2.80% | 111,464 | $10.0M | Add +4.5% |
| VIG Vanguard Dividend Apprec ETF | 2.33% | 37,668 | $8.3M | Add +0.2% |
| SPY SS SPDR S&P 500 ETF Trust-US | 2.04% | 10,636 | $7.3M | Add +10.0% |
| MS Morgan Stanley | 1.89% | 37,721 | $6.8M | Add +0.0% |
| COF Capital One Financial Corp. | 1.55% | 22,703 | $5.5M | Reduce -0.4% |
| IEMG iShares Core MSCI Emerging | 1.09% | 57,698 | $3.9M | Add +5.2% |
| SCHG Schwab US Large-Cap Growth | 0.91% | 99,854 | $3.3M | New |
| SCHV Schwab US Large-Cap Value | 0.91% | 109,891 | $3.3M | New |
| AAPL Apple Inc. | 0.84% | 10,953 | $3.0M | Add +23.6% |
| LMT Lockheed Martin Corp. | 0.55% | 4,021 | $2.0M | Reduce -1.8% |
| IJR iShares Core S&P Small-Cap E | 0.55% | 16,081 | $2.0M | Reduce -1.7% |
| BRK.B Berkshire Hathaway Inc. Class B | 0.53% | 3,775 | $1.9M | Add +0.3% |
| VUG Vanguard Mrngstar GR ETF-Sui | 0.51% | 3,717 | $1.8M | Add +50.3% |
| AMZN Amazon.com Inc. | 0.45% | 6,847 | $1.6M | Add +0.3% |
| SJNK SS SPDR BB St Hi Yield ETF | 0.44% | 62,616 | $1.6M | Add +9.0% |
| IEF iShares 7-10 Year Treasury B | 0.42% | 15,533 | $1.5M | Reduce -1.2% |
| DFCF Dimensional Core Fixed Inc. | 0.38% | 31,758 | $1.4M | New |
| MUB iShares National Muni Bond E | 0.37% | 12,221 | $1.3M | Add +41.5% |
| DFSD Dimensional Short Duration | 0.36% | 27,163 | $1.3M | New |
| DGCB Dimensional Global Credit | 0.36% | 23,814 | $1.3M | New |
| VGK Vanguard Ftse Europe ETF | 0.30% | 12,898 | $1.1M | No change |
| LQD Ishr Ibx Usd Invgd CB ETF-Ui | 0.28% | 9,026 | $999K | Add +10.4% |
| DECP Pgim S&P 500 Buffer 12-Dec | 0.27% | 31,671 | $969K | New |
| PSEP Innovator U.S. Equity Power | 0.27% | 21,931 | $961K | Reduce -3.9% |
| SHM SS SPDR N Ice St Muni ETF | 0.26% | 19,595 | $940K | Add +1.0% |
| NFLX Netflix Inc. | 0.26% | 9,731 | $913K | Reduce -4.8% |
| EFA iShares MSCI Eafe ETF | 0.25% | 9,128 | $880K | Reduce -0.9% |
| DISV Dimensional International SM | 0.24% | 22,798 | $866K | New |
| IWF iShares Russell 1000 Growth | 0.24% | 1,777 | $848K | No change |
| DFAS Dimensional US Small Cap ETF | 0.23% | 12,006 | $836K | New |
| VTI VG Morningstar TS MKT ETF-US | 0.22% | 2,327 | $786K | Reduce -2.4% |
| JPM JPMorgan Chase & Co. | 0.21% | 2,305 | $745K | Add +59.1% |
| TFI SS SPDR N Ice Muni Bond ETF | 0.21% | 16,279 | $744K | Reduce -13.6% |
| SCHX Schwab US Large-Cap ETF | 0.21% | 27,140 | $736K | Reduce -10.8% |
| VTV Vanguard Mrngstr Val ETF-Aui | 0.20% | 3,677 | $704K | Add +208.0% |
| V Visa Inc. Class A | 0.19% | 1,966 | $690K | New |
| MSFT Microsoft Corp. | 0.19% | 1,404 | $685K | Add +0.9% |
| GOOG Alphabet Inc. Class C | 0.19% | 2,170 | $683K | Add +0.7% |
| HYD Vaneck High Yield Muni ETF | 0.18% | 12,811 | $655K | Reduce -12.5% |
| VTEB Vanguard Tax-Exempt Bond ETF | 0.18% | 12,569 | $632K | New |
| SPDW Ste STR SPDR PT DW Eu ETF | 0.17% | 13,995 | $623K | Add +54.7% |
| JCI Johnson Controls Internation | 0.17% | 5,134 | $621K | Add +0.1% |
| SPIB SS SPDR P Int C Corp. ETF | 0.17% | 18,018 | $610K | Add +81.9% |
| NVDA Nvidia Corp. | 0.17% | 3,214 | $603K | Reduce -18.4% |
| DUSB Dimension Ultrashort Fi ETF | 0.17% | 11,778 | $597K | Add +75.0% |
| SPYM Ste STR SPDR PT S&P 500 ETF | 0.16% | 7,167 | $579K | Reduce -2.6% |
| IJS iShares S&P Small-Cap 600 Va | 0.15% | 4,772 | $548K | Add +0.0% |
| PJUL Innovator U.S. Equity Power | 0.14% | 10,793 | $503K | Reduce -8.1% |
| VOO Vanguard S&P 500 ETF | 0.14% | 789 | $499K | Reduce -7.2% |
| IWM iShares Russell 2000 ETF | 0.14% | 1,999 | $496K | Reduce -0.9% |
| VB Vanguard Most SM-Cap ETF-Usd | 0.13% | 1,832 | $476K | Add +20.7% |
| USEW Cambria US Ew ETF | 0.13% | 9,073 | $461K | New |
| IDEC Inno Int Dev Power Buff Dec | 0.13% | 14,219 | $460K | Add +16.8% |
| MCD McDonald's Corp. | 0.12% | 1,417 | $433K | New |
| ISEP Innovator Intl Dev Eq Power | 0.12% | 13,179 | $430K | Reduce -1.6% |
| PAUG Innovator U.S. Equity Power | 0.12% | 9,778 | $424K | Reduce -34.1% |
| PFEB Innovator U.S. Equity Power | 0.12% | 10,224 | $417K | Reduce -8.1% |
| PNOV Innovator U.S. Equity Power | 0.12% | 9,878 | $415K | Add +6.1% |
| IOCT Innovator Int Dev Power Buff | 0.11% | 11,538 | $404K | Reduce -0.6% |
| QCOM Qualcomm Inc. | 0.11% | 2,189 | $380K | Add +0.2% |
| HEFA Isha Curr Hedged MSCI Eafe | 0.10% | 8,995 | $374K | Reduce -0.4% |
| PEP Pepsico Inc. | 0.10% | 2,599 | $373K | New |
| SHOP Shopify Inc. Class A | 0.10% | 2,215 | $363K | No change |
| UAN CVR Partners LP | 0.10% | 3,500 | $344K | No change |
| AMT American Tower Corp. | 0.10% | 1,939 | $343K | Add +0.1% |
| INOV Inno Int Dev Power Buff Nov | 0.09% | 9,798 | $339K | New |
| POCT Innovator U.S. Equity Power | 0.09% | 7,672 | $338K | Reduce -32.3% |
| IBM Intl Business Machines Corp. filed as INTERNATIONAL BUSINESS MACHS | 0.09% | 1,102 | $333K | Add +0.3% |
| TSLA Tesla Inc. | 0.09% | 730 | $332K | Add +1.8% |
| IYR iShares US Real Estate ETF | 0.09% | 3,497 | $331K | Reduce -42.4% |
| XLF SS Financial Select Sector | 0.09% | 5,876 | $324K | Reduce -96.3% |
| DFEV Dimensional Emrg MRKT Val | 0.09% | 9,159 | $309K | New |
| IJUL Innovator International Deve | 0.09% | 9,212 | $309K | Reduce -18.4% |
| IDEV iShares Core MSCI Dev MKTS | 0.08% | 3,627 | $299K | New |
| PDEC Innovator U.S. Equity Power | 0.08% | 6,837 | $298K | Reduce -49.4% |
| UNH Unitedhealth Group Inc. | 0.08% | 896 | $298K | Add +3.8% |
| XOM Exxon Mobil Corp. | 0.08% | 2,442 | $295K | Add +37.5% |
| ABBV Abbvie Inc. | 0.08% | 1,268 | $291K | Add +0.7% |
| EA Electronic Arts Inc. | 0.08% | 1,404 | $287K | Add +0.4% |
| PMAY Innovator U.S. Equity Power | 0.08% | 7,216 | $286K | Reduce -0.3% |
| PBNV Pgim S&P 500 Buffer 20-Nov | 0.07% | 8,938 | $263K | New |
| SPSB SS SPDR P St C Corp. ETF | 0.07% | 8,689 | $262K | Add +19.9% |
| SCHH Schwab US REIT ETF | 0.07% | 11,979 | $252K | Reduce -11.0% |
| VBK Van Morst SML-Cap Gro-Usd Inc. | 0.07% | 825 | $251K | New |
| SPSM SS SPDR P S&P 600 Small Cap | 0.07% | 5,119 | $243K | Reduce -2.4% |
| PLTR Palantir Technologies Inc. Class A | 0.06% | 1,261 | $228K | No change |
| AVGO Broadcom Inc. | 0.06% | 640 | $224K | Reduce -12.8% |
| IJUN Innov Intl Dev PB ETF - June | 0.06% | 7,609 | $223K | No change |
| JNK SS SPDR BB High Yield Bond | 0.06% | 2,271 | $221K | Reduce -4.5% |
| PG The Procter & Gamble Co. | 0.06% | 1,521 | $219K | Reduce -11.8% |
Options reported separately and not counted above: QQQ puts ($2.0M), MS puts ($1.8M), SPY puts ($755K).
Portfolio Sells Q3 2025 → Q4 2025
| XLF SS Financial Select Sector | Reduce -96.3% | 0.09% | −2.55 |
| VNQ Vanguard Real Estate ETF | Reduce -26.3% | 4.76% | −2.51 |
| NFLX Netflix Inc. | Reduce -4.8% | 0.26% | −0.12 |
| PDEC Innovator U.S. Equity Power | Reduce -49.4% | 0.08% | −0.09 |
| IYR iShares US Real Estate ETF | Reduce -42.4% | 0.09% | −0.09 |
| VZ Verizon Communications Inc. | Sold out | 0.00% | −0.08 |
| LMT Lockheed Martin Corp. | Reduce -1.8% | 0.55% | −0.08 |
| PAUG Innovator U.S. Equity Power | Reduce -34.1% | 0.12% | −0.07 |
| PAPR Innovator U.S. Equity Power | Sold out | 0.00% | −0.07 |
| NVDA Nvidia Corp. | Reduce -18.4% | 0.17% | −0.06 |
| TFI SS SPDR N Ice Muni Bond ETF | Reduce -13.6% | 0.21% | −0.06 |
| POCT Innovator U.S. Equity Power | Reduce -32.3% | 0.09% | −0.06 |
| IJR iShares Core S&P Small-Cap E | Reduce -1.7% | 0.55% | −0.05 |
| IEF iShares 7-10 Year Treasury B | Reduce -1.2% | 0.42% | −0.05 |
| BJAN Innovator U.S. Equity Buffer | Reduce -41.3% | 0.06% | −0.05 |
| HYD Vaneck High Yield Muni ETF | Reduce -12.5% | 0.18% | −0.05 |
| SCHX Schwab US Large-Cap ETF | Reduce -10.8% | 0.21% | −0.04 |
| PSEP Innovator U.S. Equity Power | Reduce -3.9% | 0.27% | −0.03 |
| IJUL Innovator International Deve | Reduce -18.4% | 0.09% | −0.03 |
| PJUL Innovator U.S. Equity Power | Reduce -8.1% | 0.14% | −0.02 |
| VOO Vanguard S&P 500 ETF | Reduce -7.2% | 0.14% | −0.02 |
| VTI VG Morningstar TS MKT ETF-US | Reduce -2.4% | 0.22% | −0.02 |
| PG The Procter & Gamble Co. | Reduce -11.8% | 0.06% | −0.02 |
| PFEB Innovator U.S. Equity Power | Reduce -8.1% | 0.12% | −0.02 |
| SCHH Schwab US REIT ETF | Reduce -11.0% | 0.07% | −0.02 |
| EFA iShares MSCI Eafe ETF | Reduce -0.9% | 0.25% | −0.02 |
| SPYM Ste STR SPDR PT S&P 500 ETF | Reduce -2.6% | 0.16% | −0.02 |
| PMAR Innovator U.S. Equity Power | Reduce -13.0% | 0.06% | −0.01 |
| AVGO Broadcom Inc. | Reduce -12.8% | 0.06% | −0.01 |
| IWM iShares Russell 2000 ETF | Reduce -0.9% | 0.14% | −0.01 |
| ISEP Innovator Intl Dev Eq Power | Reduce -1.6% | 0.12% | −0.01 |
| JNK SS SPDR BB High Yield Bond | Reduce -4.5% | 0.06% | −0.01 |
| IOCT Innovator Int Dev Power Buff | Reduce -0.6% | 0.11% | −0.01 |
| SPSM SS SPDR P S&P 600 Small Cap | Reduce -2.4% | 0.07% | −0.01 |
| PMAY Innovator U.S. Equity Power | Reduce -0.3% | 0.08% | −0.01 |
| HEFA Isha Curr Hedged MSCI Eafe | Reduce -0.4% | 0.10% | −0.01 |
| COF Capital One Financial Corp. | Reduce -0.4% | 1.55% | +0.06 |
Portfolio Buys Q3 2025 → Q4 2025
| VGIT Vanguard Intermediate-Term T | Add +25.6% | 9.70% | +1.22 |
| VCSH Vanguard S/T Corp. Bond ETF | Add +25.2% | 9.51% | +1.15 |
| SCHG Schwab US Large-Cap Growth | New | 0.91% | +0.91 |
| SCHV Schwab US Large-Cap Value | New | 0.91% | +0.91 |
| DGRO iShares Core Dividend Growth | Add +25.3% | 4.80% | +0.70 |
| DFCF Dimensional Core Fixed Inc. | New | 0.38% | +0.38 |
| DFSD Dimensional Short Duration | New | 0.36% | +0.36 |
| DGCB Dimensional Global Credit | New | 0.36% | +0.36 |
| DECP Pgim S&P 500 Buffer 12-Dec | New | 0.27% | +0.27 |
| DISV Dimensional International SM | New | 0.24% | +0.24 |
| DFAS Dimensional US Small Cap ETF | New | 0.23% | +0.23 |
| V Visa Inc. Class A | New | 0.19% | +0.19 |
| VTEB Vanguard Tax-Exempt Bond ETF | New | 0.18% | +0.18 |
| VEA Vanguard Ftse Developed ETF | Add +6.7% | 8.47% | +0.15 |
| VUG Vanguard Mrngstar GR ETF-Sui | Add +50.3% | 0.51% | +0.15 |
| AAPL Apple Inc. | Add +23.6% | 0.84% | +0.14 |
| USEW Cambria US Ew ETF | New | 0.13% | +0.13 |
| VTV Vanguard Mrngstr Val ETF-Aui | Add +208.0% | 0.20% | +0.13 |
| MCD McDonald's Corp. | New | 0.12% | +0.12 |
| PEP Pepsico Inc. | New | 0.10% | +0.10 |
| INOV Inno Int Dev Power Buff Nov | New | 0.09% | +0.09 |
| DFEV Dimensional Emrg MRKT Val | New | 0.09% | +0.09 |
| MUB iShares National Muni Bond E | Add +41.5% | 0.37% | +0.08 |
| IDEV iShares Core MSCI Dev MKTS | New | 0.08% | +0.08 |
| PBNV Pgim S&P 500 Buffer 20-Nov | New | 0.07% | +0.07 |
| VBK Van Morst SML-Cap Gro-Usd Inc. | New | 0.07% | +0.07 |
| JPM JPMorgan Chase & Co. | Add +59.1% | 0.21% | +0.07 |
| SPIB SS SPDR P Int C Corp. ETF | Add +81.9% | 0.17% | +0.07 |
| SPY SS SPDR S&P 500 ETF Trust-US | Add +10.0% | 2.04% | +0.06 |
| DUSB Dimension Ultrashort Fi ETF | Add +75.0% | 0.17% | +0.06 |
| SPDW Ste STR SPDR PT DW Eu ETF | Add +54.7% | 0.17% | +0.06 |
| MS Morgan Stanley | Add +0.0% | 1.89% | +0.05 |
| GOOG Alphabet Inc. Class C | Add +0.7% | 0.19% | +0.03 |
| XOM Exxon Mobil Corp. | Add +37.5% | 0.08% | +0.02 |
| VB Vanguard Most SM-Cap ETF-Usd | Add +20.7% | 0.13% | +0.01 |
| IDEC Inno Int Dev Power Buff Dec | Add +16.8% | 0.13% | +0.01 |
| SPSB SS SPDR P St C Corp. ETF | Add +19.9% | 0.07% | +0.01 |
| JCI Johnson Controls Internation | Add +0.1% | 0.17% | +0.00 |
| LQD Ishr Ibx Usd Invgd CB ETF-Ui | Add +10.4% | 0.28% | −0.00 |
| PNOV Innovator U.S. Equity Power | Add +6.1% | 0.12% | −0.00 |
| IBM Intl Business Machines Corp. | Add +0.3% | 0.09% | −0.00 |
| TSLA Tesla Inc. | Add +1.8% | 0.09% | −0.01 |
| QCOM Qualcomm Inc. | Add +0.2% | 0.11% | −0.01 |
| EA Electronic Arts Inc. | Add +0.4% | 0.08% | −0.01 |
| ABBV Abbvie Inc. | Add +0.7% | 0.08% | −0.01 |
| SJNK SS SPDR BB St Hi Yield ETF | Add +9.0% | 0.44% | −0.01 |
| UNH Unitedhealth Group Inc. | Add +3.8% | 0.08% | −0.01 |
| IJS iShares S&P Small-Cap 600 Va | Add +0.0% | 0.15% | −0.01 |
| AMZN Amazon.com Inc. | Add +0.3% | 0.45% | −0.01 |
| AMT American Tower Corp. | Add +0.1% | 0.10% | −0.02 |
Options Activity Q3 2025 → Q4 2025
| QQQ Invesco QQQ Trust Series 1 | put | Reduce -99.0% | 32 | $2.0M |
| MS Morgan Stanley | put | New | 100 | $1.8M |
| SPY SS SPDR S&P 500 ETF Trust-US | put | Reduce -97.3% | 11 | $755K |
| SPY SS SPDR S&P 500 ETF Trust-US | call | Sold out | 200 | $133Kbefore exit |
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 |