Essential Planning, LLC.

In its 13F for Q3 2025 (holdings as of September 30, 2025, filed October 28, 2025), Essential Planning, LLC. reported 85 stock positions worth $290.5 million. Its top holding was Vanguard Total Bond Market (BND) at 19.5% of the portfolio, followed by Dimensional US Core Equity M (DFAU, 19.3%) and Dimensional International (DFAI, 6.5%). Compared with Q2 2025, it opened 3 new positions, added to 31 and reduced 31. The biggest buy was JPMorgan Ltd. Duration ETF (JPLD, shares +83%) and the biggest sale Vanguard Total Bond Market (BND, shares −1%).

Most Recent 13F
Q2 2026
Location
PORTSMOUTH, NH
CIK
0001949824
Portfolio Value
$290.5M (Q3 2025)
SEC Filing
0001949824-25-000003 ↗ filed Oct 28, 2025

Holdings Value

0$5.0B$10.0B$15.0B$20.0B Q1 2024: $199.7M Q1 2024 Q2 2024: $227.3M Q2 2024 Q3 2024: $243.8M Q3 2024 Q4 2024: $15.4B Q4 2024 Q1 2025: $248.2M Q1 2025 Q2 2025: $268.6M Q2 2025 Q3 2025: $290.5M $290.5M Q3 2025 Q4 2025: $313.6M Q4 2025 Q1 2026: $314.5M Q1 2026 Q2 2026: $353.9M Q2 2026

Holdings 85 stocks · $290.5M
BND Vanguard Total Bond Market 19.54% 763,229 $56.8M Reduce -0.7%
DFAU Dimensional US Core Equity M 19.27% 1,223,276 $56.0M Reduce -3.6%
DFAI Dimensional International Co. 6.54% 522,645 $19.0M Reduce -2.3%
VTI VG Morningstar TS MKT ETF-US 6.53% 57,796 $19.0M Add +6.1%
DFCF Dimensional Core Fixed Inc. 3.31% 224,911 $9.6M Reduce -1.3%
DFAE Dimensional Emerging Core Eq 2.73% 251,772 $7.9M Reduce -1.7%
LLY Eli Lilly & Co. 2.55% 9,724 $7.4M Reduce -11.6%
BSV Vanguard Short-Term Bond ETF 2.48% 91,134 $7.2M Add +5.0%
DFSD Dimensional Short Duration 2.38% 143,426 $6.9M Add +30.5%
VTIP Vanguard Short-Term Tips 2.08% 119,501 $6.1M Add +4.3%
DFAC Dimensional US Core Equity 2 2.05% 154,359 $6.0M Add +38.5%
IVV iShares Core S&P 500 ETF 2.05% 8,882 $5.9M Reduce -4.4%
MBB iShares MBS ETF 1.84% 56,319 $5.4M Reduce -0.3%
DCOR Dimensional US Core Eq 1 ETF 1.77% 71,515 $5.1M Add +58.9%
JPLD JPMorgan Ltd. Duration ETF 1.75% 96,960 $5.1M Add +82.6%
VBK Van Morst SML-Cap Gro-Usd Inc. 1.67% 16,261 $4.8M Reduce -3.6%
SPY SS SPDR S&P 500 ETF Trust-US 1.66% 7,258 $4.8M Add +56.7%
BOND PIMCO Active Bond Exchange-T 1.40% 43,438 $4.1M Reduce -3.6%
FREL Fidelity MSCI RL Est Indx 1.26% 131,973 $3.7M Add +0.4%
SHY iShares 1-3 Year Treasury Bo 1.15% 40,237 $3.3M Reduce -3.1%
FBND Fidelity Total Bond ETF 0.91% 57,285 $2.6M Add +68.3%
VEA Vanguard Ftse Developed ETF 0.91% 43,878 $2.6M Add +53.7%
DFIC Dimensional International Co. 0.89% 78,951 $2.6M Add +52.7%
MSFT Microsoft Corp. 0.81% 4,548 $2.4M Add +1.4%
IBTF iShares Ibonds Dec 2025 Term 0.69% 85,373 $2.0M Reduce -5.6%
AAPL Apple Inc. 0.60% 6,901 $1.8M Reduce -1.4%
BRK.B Berkshire Hathaway Inc. Class B 0.60% 3,441 $1.7M No change
IBTG iShares Ibonds Dec 2026 Term 0.45% 57,110 $1.3M Reduce -7.4%
BNDX Vanguard Total Intl Bond ETF 0.41% 24,110 $1.2M Add +88.2%
DBND Doubleline Oppor Cor BND-Usd 0.41% 25,467 $1.2M Add +0.1%
MINT PIMCO Enhanced Short Maturit 0.40% 11,545 $1.2M Add +17.0%
IEMG iShares Core MSCI Emerging 0.39% 17,347 $1.1M Add +53.9%
STPZ PIMCO 1-5 Year US Tips Index 0.39% 20,908 $1.1M Reduce -12.9%
DFEM Dimensional Emrg MRKT Core 0.38% 34,654 $1.1M Add +54.5%
VMBS Vanguard Mortgage-Backed Sec 0.38% 23,493 $1.1M Reduce -10.7%
IUSB Ishr CR Unvrse Usd BD ETF-Ui 0.33% 20,384 $952K No change
WMT Walmart Inc. 0.31% 8,848 $912K No change
GOOGL Alphabet Inc. Class A 0.30% 3,618 $879K Add +0.0%
VXUS Vanguard Total Intl Stock 0.30% 11,670 $857K Reduce -6.2%
EPS Wisdomtree US Large Cap Fund 0.26% 10,915 $752K Add +0.0%
IXUS iShares Core Intl Stock ETF 0.24% 8,539 $705K No change
VIG Vanguard Dividend Apprec ETF 0.23% 3,051 $658K Reduce -2.4%
VOO Vanguard S&P 500 ETF 0.22% 1,052 $644K Add +0.1%
IBTH iShares Ibonds Dec 2027 Term 0.21% 27,156 $612K Reduce -14.6%
VHT Vanguard Health Care ETF 0.20% 2,270 $589K Reduce -2.2%
EUSB Ishr ESG Advn Universal BD-$ 0.20% 13,288 $584K Add +0.1%
VCSH Vanguard S/T Corp. Bond ETF 0.19% 6,911 $552K Reduce -11.6%
DFSV Dimensional US Small Cap Val 0.17% 15,854 $505K No change
DFUS Dimensional US Eq MKT ETF 0.16% 6,583 $477K No change
LOW Lowe's Cos Inc. 0.16% 1,833 $461K Reduce -16.0%
VGSH Vanguard Short-Term Treasury 0.15% 7,525 $443K Reduce -2.4%
AMZN Amazon.com Inc. 0.15% 2,006 $441K Add +7.5%
EES Wisdomtree US Smallcap Fund 0.15% 7,804 $436K Add +0.0%
DSI iShares ESG MSCI KLD 400 ETF 0.15% 3,426 $431K Reduce -3.1%
JPM JPMorgan Chase & Co. 0.15% 1,366 $431K Add +11.2%
ESGV Vanguard ESG US Stock ETF 0.15% 3,623 $429K Reduce -0.5%
WDAY Workday Inc. Class A 0.14% 1,749 $421K No change
VCEB Vanguard ESG US Corp. Bond 0.14% 6,325 $406K Reduce -2.7%
GS Goldman Sachs Group Inc. 0.14% 500 $398K No change
IJT iShares S&P Small-Cap 600 GR 0.13% 2,740 $388K No change
VB Vanguard Most SM-Cap ETF-Usd 0.13% 1,506 $383K No change
RSP Invesco S&P 500 Equal Weight 0.13% 2,000 $379K No change
HON Honeywell International Inc. 0.13% 1,768 $372K No change
DTD Wisdomtree US Total Dividend 0.12% 4,259 $358K Add +0.0%
NVDA Nvidia Corp. 0.12% 1,809 $338K Reduce -30.8%
T AT&T Inc. 0.11% 11,767 $332K Reduce -0.4%
TT Trane Technologies PLC 0.11% 738 $311K No change
META Meta Platforms Inc. Class A 0.11% 418 $307K No change
VWO Vanguard Ftse Emerging Marke 0.10% 5,499 $298K Reduce -3.6%
ANET Arista Networks Inc. 0.10% 2,000 $291K No change
RTX RTX Corp. 0.10% 1,726 $289K Reduce -3.6%
SUB iShares Short-Term National 0.10% 2,640 $282K No change
DFAX Dimensional World Ex US Core 0.10% 8,959 $281K Add +0.0%
IBTI iShares Ibonds Dec 2028 Term 0.10% 12,499 $280K Add +0.6%
DUSB Dimension Ultrashort Fi ETF 0.10% 5,494 $279K Add +33.3%
DFUV Dimensional US Marketwide Va 0.09% 6,131 $274K Add +0.4%
VUG Vanguard Mrngstar GR ETF-Sui 0.09% 559 $268K Reduce -7.8%
VDC Vanguard Consumer Staple ETF 0.09% 1,211 $259K No change
DFGR Dim Global Real Estate ETF 0.09% 9,369 $256K New
AGG iShares Core U.S. Aggregate 0.08% 2,287 $229K Add +0.1%
IYC iShares US Consumer Discreti 0.08% 2,160 $226K No change
AVGO Broadcom Inc. 0.08% 682 $225K New
WFC Wells Fargo & Co. 0.07% 2,596 $218K No change
VBR Vngrd Mrngst SL-CP Val ETF-U 0.07% 1,000 $209K New
HYPR Hyperfine Inc. 0.02% 42,398 $61K No change

Portfolio Sells Q2 2025 → Q3 2025
BND Vanguard Total Bond Market Reduce -0.7% 19.54% −1.52
DFAU Dimensional US Core Equity M Reduce -3.6% 19.27% −0.75
LLY Eli Lilly & Co. Reduce -11.6% 2.55% −0.64
DFAI Dimensional International Co. Reduce -2.3% 6.54% −0.34
DFCF Dimensional Core Fixed Inc. Reduce -1.3% 3.31% −0.27
BOND PIMCO Active Bond Exchange-T Reduce -3.6% 1.40% −0.15
SHY iShares 1-3 Year Treasury Bo Reduce -3.1% 1.15% −0.13
MBB iShares MBS ETF Reduce -0.3% 1.84% −0.13
IVV iShares Core S&P 500 ETF Reduce -4.4% 2.05% −0.10
IBTF iShares Ibonds Dec 2025 Term Reduce -5.6% 0.69% −0.10
STPZ PIMCO 1-5 Year US Tips Index Reduce -12.9% 0.39% −0.09
IBTG iShares Ibonds Dec 2026 Term Reduce -7.4% 0.45% −0.08
VMBS Vanguard Mortgage-Backed Sec Reduce -10.7% 0.38% −0.07
VBK Van Morst SML-Cap Gro-Usd Inc. Reduce -3.6% 1.67% −0.07
IBTH iShares Ibonds Dec 2027 Term Reduce -14.6% 0.21% −0.06
VCSH Vanguard S/T Corp. Bond ETF Reduce -11.6% 0.19% −0.04
NVDA Nvidia Corp. Reduce -30.8% 0.12% −0.04
DFAE Dimensional Emerging Core Eq Reduce -1.7% 2.73% −0.03
VXUS Vanguard Total Intl Stock Reduce -6.2% 0.30% −0.02
LOW Lowe's Cos Inc. Reduce -16.0% 0.16% −0.02
VGSH Vanguard Short-Term Treasury Reduce -2.4% 0.15% −0.02
VCEB Vanguard ESG US Corp. Bond Reduce -2.7% 0.14% −0.01
T AT&T Inc. Reduce -0.4% 0.11% −0.01
VIG Vanguard Dividend Apprec ETF Reduce -2.4% 0.23% −0.01
VHT Vanguard Health Care ETF Reduce -2.2% 0.20% −0.01
VUG Vanguard Mrngstar GR ETF-Sui Reduce -7.8% 0.09% −0.01
DSI iShares ESG MSCI KLD 400 ETF Reduce -3.1% 0.15% −0.00
VWO Vanguard Ftse Emerging Marke Reduce -3.6% 0.10% −0.00
ESGV Vanguard ESG US Stock ETF Reduce -0.5% 0.15% −0.00
RTX RTX Corp. Reduce -3.6% 0.10% +0.00
AAPL Apple Inc. Reduce -1.4% 0.60% +0.07

Portfolio Buys Q2 2025 → Q3 2025
JPLD JPMorgan Ltd. Duration ETF Add +82.6% 1.75% +0.72
DCOR Dimensional US Core Eq 1 ETF Add +58.9% 1.77% +0.65
SPY SS SPDR S&P 500 ETF Trust-US Add +56.7% 1.66% +0.60
DFAC Dimensional US Core Equity 2 Add +38.5% 2.05% +0.56
DFSD Dimensional Short Duration Add +30.5% 2.38% +0.41
VTI VG Morningstar TS MKT ETF-US Add +6.1% 6.53% +0.37
FBND Fidelity Total Bond ETF Add +68.3% 0.91% +0.33
VEA Vanguard Ftse Developed ETF Add +53.7% 0.91% +0.30
DFIC Dimensional International Co. Add +52.7% 0.89% +0.29
BNDX Vanguard Total Intl Bond ETF Add +88.2% 0.41% +0.17
IEMG iShares Core MSCI Emerging Add +53.9% 0.39% +0.14
DFEM Dimensional Emrg MRKT Core Add +54.5% 0.38% +0.13
DFGR Dim Global Real Estate ETF New 0.09% +0.09
AVGO Broadcom Inc. New 0.08% +0.08
VBR Vngrd Mrngst SL-CP Val ETF-U New 0.07% +0.07
GOOGL Alphabet Inc. Class A Add +0.0% 0.30% +0.07
MINT PIMCO Enhanced Short Maturit Add +17.0% 0.40% +0.03
DUSB Dimension Ultrashort Fi ETF Add +33.3% 0.10% +0.02
JPM JPMorgan Chase & Co. Add +11.2% 0.15% +0.02
EES Wisdomtree US Smallcap Fund Add +0.0% 0.15% +0.00
VOO Vanguard S&P 500 ETF Add +0.1% 0.22% −0.00
AMZN Amazon.com Inc. Add +7.5% 0.15% −0.00
EPS Wisdomtree US Large Cap Fund Add +0.0% 0.26% −0.00
DFAX Dimensional World Ex US Core Add +0.0% 0.10% −0.00
DFUV Dimensional US Marketwide Va Add +0.4% 0.09% −0.00
DTD Wisdomtree US Total Dividend Add +0.0% 0.12% −0.00
AGG iShares Core U.S. Aggregate Add +0.1% 0.08% −0.01
IBTI iShares Ibonds Dec 2028 Term Add +0.6% 0.10% −0.01
EUSB Ishr ESG Advn Universal BD-$ Add +0.1% 0.20% −0.01
MSFT Microsoft Corp. Add +1.4% 0.81% −0.02
DBND Doubleline Oppor Cor BND-Usd Add +0.1% 0.41% −0.03
FREL Fidelity MSCI RL Est Indx Add +0.4% 1.26% −0.06
VTIP Vanguard Short-Term Tips Add +4.3% 2.08% −0.06
BSV Vanguard Short-Term Bond ETF Add +5.0% 2.48% −0.07

All Filings

QuarterPositions13F Reported ValueTop Holdings
Q2 2026 87$353.9MDFAU, BND, VTI, DFAI, DFSD
Q1 2026 85$314.5MBND, DFAU, VTI, DFAI, DFSD
Q4 2025 90$313.6MDFAU, BND, VTI, DFAI, DFCF
Q3 2025 85$290.5MBND, DFAU, DFAI, VTI, DFCF
Q2 2025 82$268.6MBND, DFAU, DFAI, VTI, DFCF
Q1 2025 81$248.2MBND, DFAU, DFAI, VTI, DFCF
Q4 2024 313$15.4BBND, DFAU, DFAI, VTI, LLY
Q3 2024 83$243.8MBND, DFAU, DFAI, VTI, LLY
Q2 2024 71$227.3MBND, DFAU, DFAI, VTI, LLY
Q1 2024 65$199.7MBOND, DFAU, DFAI, VTI, DFCF