Essential Planning, LLC.
In its 13F for Q4 2025 (holdings as of December 31, 2025, filed January 15, 2026), Essential Planning, LLC. reported 90 stock positions worth $313.6 million. Its top holding was Dimensional US Core Equity M (DFAU) at 17.4% of the portfolio, followed by Vanguard Total Bond Market (BND, 17.4%) and VG Morningstar TS MKT ETF-US (VTI, 6.7%). Compared with Q3 2025, it opened 7 new positions, sold out of 2, added to 35 and reduced 32. The biggest buy was JPMorgan Ltd. Duration ETF (JPLD, shares +67%) and the biggest sale Vanguard Total Bond Market (BND, shares −4%).
- Most Recent 13F
- Q2 2026
- Location
- PORTSMOUTH, NH
- CIK
- 0001949824
- Portfolio Value
- $313.6M (Q4 2025)
- SEC Filing
- 0001949824-26-000001 ↗ filed Jan 15, 2026
Holdings Value
Holdings 90 stocks · $313.6M
| DFAU Dimensional US Core Equity M | 17.41% | 1,166,386 | $54.6M | Reduce -4.7% |
| BND Vanguard Total Bond Market | 17.39% | 736,279 | $54.5M | Reduce -3.5% |
| VTI VG Morningstar TS MKT ETF-US | 6.74% | 63,036 | $21.1M | Add +9.1% |
| DFAI Dimensional International Co. | 6.21% | 510,887 | $19.5M | Reduce -2.3% |
| DFCF Dimensional Core Fixed Inc. | 3.34% | 246,127 | $10.5M | Add +9.4% |
| LLY Eli Lilly & Co. | 3.33% | 9,724 | $10.4M | No change |
| DFSD Dimensional Short Duration | 3.14% | 205,188 | $9.8M | Add +43.1% |
| JPLD JPMorgan Ltd. Duration ETF | 2.70% | 161,716 | $8.5M | Add +66.8% |
| DFAE Dimensional Emerging Core Eq | 2.54% | 244,098 | $8.0M | Reduce -3.0% |
| DFAC Dimensional US Core Equity 2 | 2.53% | 200,754 | $7.9M | Add +30.1% |
| BSV Vanguard Short-Term Bond ETF | 2.41% | 95,869 | $7.6M | Add +5.2% |
| DCOR Dimensional US Core Eq 1 ETF | 2.38% | 101,515 | $7.5M | Add +42.0% |
| SPY SS SPDR S&P 500 ETF Trust-US | 2.21% | 10,143 | $6.9M | Add +39.8% |
| IVV iShares Core S&P 500 ETF | 2.04% | 9,352 | $6.4M | Add +5.3% |
| VTIP Vanguard Short-Term Tips | 1.82% | 115,356 | $5.7M | Reduce -3.5% |
| MBB iShares MBS ETF | 1.62% | 53,431 | $5.1M | Reduce -5.1% |
| VBK Van Morst SML-Cap Gro-Usd Inc. | 1.56% | 16,203 | $4.9M | Reduce -0.4% |
| FBND Fidelity Total Bond ETF | 1.35% | 91,614 | $4.2M | Add +59.9% |
| BOND PIMCO Active Bond Exchange-T | 1.28% | 43,141 | $4.0M | Reduce -0.7% |
| VEA Vanguard Ftse Developed ETF | 1.20% | 60,308 | $3.8M | Add +37.4% |
| DFIC Dimensional International Co. | 1.20% | 108,912 | $3.8M | Add +38.0% |
| FREL Fidelity MSCI RL Est Indx | 1.15% | 133,781 | $3.6M | Add +1.4% |
| SHY iShares 1-3 Year Treasury Bo | 0.95% | 36,132 | $3.0M | Reduce -10.2% |
| MSFT Microsoft Corp. | 0.77% | 5,013 | $2.4M | Add +10.2% |
| IBTI iShares Ibonds Dec 2028 Term | 0.68% | 95,604 | $2.1M | Add +664.9% |
| MINT PIMCO Enhanced Short Maturit | 0.61% | 19,168 | $1.9M | Add +66.0% |
| AAPL Apple Inc. | 0.60% | 6,910 | $1.9M | Add +0.1% |
| BRK.B Berkshire Hathaway Inc. Class B | 0.55% | 3,441 | $1.7M | No change |
| IEMG iShares Core MSCI Emerging | 0.51% | 23,767 | $1.6M | Add +37.0% |
| DFEM Dimensional Emrg MRKT Core | 0.50% | 47,830 | $1.6M | Add +38.0% |
| IBTG iShares Ibonds Dec 2026 Term | 0.41% | 56,142 | $1.3M | Reduce -1.7% |
| GOOGL Alphabet Inc. Class A | 0.37% | 3,682 | $1.2M | Add +1.8% |
| STPZ PIMCO 1-5 Year US Tips Index | 0.36% | 20,776 | $1.1M | Reduce -0.6% |
| DBND Doubleline Oppor Cor BND-Usd | 0.35% | 23,761 | $1.1M | Reduce -6.7% |
| VMBS Vanguard Mortgage-Backed Sec | 0.34% | 22,877 | $1.1M | Reduce -2.6% |
| WMT Walmart Inc. | 0.31% | 8,848 | $986K | No change |
| IUSB Ishr CR Unvrse Usd BD ETF-Ui | 0.28% | 18,663 | $869K | Reduce -8.4% |
| VXUS Vanguard Total Intl Stock | 0.27% | 11,207 | $846K | Reduce -4.0% |
| EPS Wisdomtree US Large Cap Fund | 0.24% | 10,424 | $739K | Reduce -4.5% |
| IXUS iShares Core Intl Stock ETF | 0.23% | 8,697 | $736K | Add +1.9% |
| VBR Vngrd Mrngst SL-CP Val ETF-U | 0.22% | 3,243 | $687K | Add +224.3% |
| VIG Vanguard Dividend Apprec ETF | 0.21% | 3,053 | $671K | Add +0.1% |
| BNDX Vanguard Total Intl Bond ETF | 0.21% | 13,319 | $644K | Reduce -44.8% |
| VOO Vanguard S&P 500 ETF | 0.19% | 967 | $606K | Reduce -8.1% |
| IBTH iShares Ibonds Dec 2027 Term | 0.19% | 26,143 | $587K | Reduce -3.7% |
| EUSB Ishr ESG Advn Universal BD-$ | 0.19% | 13,301 | $584K | Add +0.1% |
| VWO Vanguard Ftse Emerging Marke | 0.17% | 9,775 | $526K | Add +77.8% |
| VHT Vanguard Health Care ETF | 0.17% | 1,823 | $525K | Reduce -19.7% |
| DFSV Dimensional US Small Cap Val | 0.15% | 14,497 | $477K | Reduce -8.6% |
| AMZN Amazon.com Inc. | 0.15% | 2,013 | $465K | Add +0.3% |
| DUSB Dimension Ultrashort Fi ETF | 0.15% | 9,169 | $464K | Add +66.9% |
| JPM JPMorgan Chase & Co. | 0.14% | 1,399 | $451K | Add +2.4% |
| LOW Lowe's Cos Inc. | 0.14% | 1,833 | $442K | No change |
| VGSH Vanguard Short-Term Treasury | 0.14% | 7,525 | $442K | No change |
| GS Goldman Sachs Group Inc. | 0.14% | 500 | $440K | No change |
| DFUS Dimensional US Eq MKT ETF | 0.14% | 5,862 | $435K | Reduce -10.9% |
| EES Wisdomtree US Smallcap Fund | 0.14% | 7,538 | $429K | Reduce -3.4% |
| DSI iShares ESG MSCI KLD 400 ETF | 0.14% | 3,316 | $427K | Reduce -3.2% |
| ESGV Vanguard ESG US Stock ETF | 0.14% | 3,513 | $425K | Reduce -3.0% |
| VCSH Vanguard S/T Corp. Bond ETF | 0.13% | 5,063 | $404K | Reduce -26.7% |
| VCEB Vanguard ESG US Corp. Bond | 0.13% | 6,335 | $403K | Add +0.2% |
| IDXX Idexx Laboratories Inc. | 0.12% | 559 | $378K | New |
| WDAY Workday Inc. Class A | 0.12% | 1,749 | $376K | No change |
| VTV Vanguard Mrngstr Val ETF-Aui | 0.12% | 1,931 | $369K | New |
| VUSB Vanguard Ultra Short Bond Et | 0.12% | 7,328 | $365K | New |
| ITOT iShares Core S&P Total U.S. | 0.11% | 2,409 | $358K | New |
| DFGR Dim Global Real Estate ETF | 0.11% | 13,439 | $355K | Add +43.4% |
| VB Vanguard Most SM-Cap ETF-Usd | 0.11% | 1,356 | $350K | Reduce -10.0% |
| HON Honeywell International Inc. | 0.11% | 1,768 | $345K | No change |
| IJT iShares S&P Small-Cap 600 GR | 0.11% | 2,429 | $343K | Reduce -11.3% |
| DFIP Dimensional Inflation-Protec | 0.11% | 8,202 | $341K | New |
| NVDA Nvidia Corp. | 0.11% | 1,824 | $340K | Add +0.8% |
| RSP Invesco S&P 500 Equal Weight | 0.11% | 1,765 | $338K | Reduce -11.8% |
| RTX RTX Corp. | 0.10% | 1,747 | $320K | Add +1.2% |
| DTD Wisdomtree US Total Dividend | 0.10% | 3,749 | $318K | Reduce -12.0% |
| DFAX Dimensional World Ex US Core | 0.09% | 8,962 | $293K | Add +0.0% |
| TT Trane Technologies PLC | 0.09% | 738 | $287K | No change |
| DFUV Dimensional US Marketwide Va | 0.09% | 6,152 | $287K | Add +0.3% |
| AGG iShares Core U.S. Aggregate | 0.09% | 2,827 | $282K | Add +23.6% |
| SUB iShares Short-Term National | 0.09% | 2,640 | $282K | No change |
| T AT&T Inc. | 0.09% | 11,127 | $276K | Reduce -5.4% |
| META Meta Platforms Inc. Class A | 0.09% | 418 | $276K | No change |
| VUG Vanguard Mrngstar GR ETF-Sui | 0.09% | 559 | $273K | No change |
| ANET Arista Networks Inc. | 0.08% | 2,000 | $262K | No change |
| VDC Vanguard Consumer Staple ETF | 0.08% | 1,174 | $248K | Reduce -3.1% |
| WFC Wells Fargo & Co. | 0.08% | 2,596 | $242K | No change |
| AVGO Broadcom Inc. | 0.08% | 682 | $236K | No change |
| KO The Coca-Cola Co. | 0.07% | 3,233 | $226K | New |
| COF Capital One Financial Corp. | 0.07% | 858 | $208K | New |
| HYPR Hyperfine Inc. | 0.01% | 42,398 | $42K | No change |
Portfolio Sells Q3 2025 → Q4 2025
| BND Vanguard Total Bond Market | Reduce -3.5% | 17.39% | −2.15 |
| DFAU Dimensional US Core Equity M | Reduce -4.7% | 17.41% | −1.86 |
| IBTF iShares Ibonds Dec 2025 Term | Sold out | 0.00% | −0.69 |
| DFAI Dimensional International Co. | Reduce -2.3% | 6.21% | −0.33 |
| VTIP Vanguard Short-Term Tips | Reduce -3.5% | 1.82% | −0.26 |
| MBB iShares MBS ETF | Reduce -5.1% | 1.62% | −0.22 |
| BNDX Vanguard Total Intl Bond ETF | Reduce -44.8% | 0.21% | −0.21 |
| DFAE Dimensional Emerging Core Eq | Reduce -3.0% | 2.54% | −0.20 |
| SHY iShares 1-3 Year Treasury Bo | Reduce -10.2% | 0.95% | −0.19 |
| BOND PIMCO Active Bond Exchange-T | Reduce -0.7% | 1.28% | −0.12 |
| VBK Van Morst SML-Cap Gro-Usd Inc. | Reduce -0.4% | 1.56% | −0.10 |
| IYC iShares US Consumer Discreti | Sold out | 0.00% | −0.08 |
| VCSH Vanguard S/T Corp. Bond ETF | Reduce -26.7% | 0.13% | −0.06 |
| DBND Doubleline Oppor Cor BND-Usd | Reduce -6.7% | 0.35% | −0.06 |
| IUSB Ishr CR Unvrse Usd BD ETF-Ui | Reduce -8.4% | 0.28% | −0.05 |
| IBTG iShares Ibonds Dec 2026 Term | Reduce -1.7% | 0.41% | −0.04 |
| VMBS Vanguard Mortgage-Backed Sec | Reduce -2.6% | 0.34% | −0.04 |
| VHT Vanguard Health Care ETF | Reduce -19.7% | 0.17% | −0.04 |
| STPZ PIMCO 1-5 Year US Tips Index | Reduce -0.6% | 0.36% | −0.03 |
| VOO Vanguard S&P 500 ETF | Reduce -8.1% | 0.19% | −0.03 |
| T AT&T Inc. | Reduce -5.4% | 0.09% | −0.03 |
| DFUS Dimensional US Eq MKT ETF | Reduce -10.9% | 0.14% | −0.03 |
| VXUS Vanguard Total Intl Stock | Reduce -4.0% | 0.27% | −0.03 |
| IJT iShares S&P Small-Cap 600 GR | Reduce -11.3% | 0.11% | −0.02 |
| EPS Wisdomtree US Large Cap Fund | Reduce -4.5% | 0.24% | −0.02 |
| IBTH iShares Ibonds Dec 2027 Term | Reduce -3.7% | 0.19% | −0.02 |
| RSP Invesco S&P 500 Equal Weight | Reduce -11.8% | 0.11% | −0.02 |
| DFSV Dimensional US Small Cap Val | Reduce -8.6% | 0.15% | −0.02 |
| DTD Wisdomtree US Total Dividend | Reduce -12.0% | 0.10% | −0.02 |
| VB Vanguard Most SM-Cap ETF-Usd | Reduce -10.0% | 0.11% | −0.02 |
| EES Wisdomtree US Smallcap Fund | Reduce -3.4% | 0.14% | −0.01 |
| DSI iShares ESG MSCI KLD 400 ETF | Reduce -3.2% | 0.14% | −0.01 |
| ESGV Vanguard ESG US Stock ETF | Reduce -3.0% | 0.14% | −0.01 |
| VDC Vanguard Consumer Staple ETF | Reduce -3.1% | 0.08% | −0.01 |
Portfolio Buys Q3 2025 → Q4 2025
| JPLD JPMorgan Ltd. Duration ETF | Add +66.8% | 2.70% | +0.95 |
| DFSD Dimensional Short Duration | Add +43.1% | 3.14% | +0.76 |
| DCOR Dimensional US Core Eq 1 ETF | Add +42.0% | 2.38% | +0.61 |
| IBTI iShares Ibonds Dec 2028 Term | Add +664.9% | 0.68% | +0.59 |
| SPY SS SPDR S&P 500 ETF Trust-US | Add +39.8% | 2.21% | +0.54 |
| DFAC Dimensional US Core Equity 2 | Add +30.1% | 2.53% | +0.48 |
| FBND Fidelity Total Bond ETF | Add +59.9% | 1.35% | +0.43 |
| DFIC Dimensional International Co. | Add +38.0% | 1.20% | +0.31 |
| VEA Vanguard Ftse Developed ETF | Add +37.4% | 1.20% | +0.30 |
| MINT PIMCO Enhanced Short Maturit | Add +66.0% | 0.61% | +0.21 |
| VTI VG Morningstar TS MKT ETF-US | Add +9.1% | 6.74% | +0.21 |
| VBR Vngrd Mrngst SL-CP Val ETF-U | Add +224.3% | 0.22% | +0.15 |
| DFEM Dimensional Emrg MRKT Core | Add +38.0% | 0.50% | +0.12 |
| IDXX Idexx Laboratories Inc. | New | 0.12% | +0.12 |
| VTV Vanguard Mrngstr Val ETF-Aui | New | 0.12% | +0.12 |
| VUSB Vanguard Ultra Short Bond Et | New | 0.12% | +0.12 |
| IEMG iShares Core MSCI Emerging | Add +37.0% | 0.51% | +0.12 |
| ITOT iShares Core S&P Total U.S. | New | 0.11% | +0.11 |
| DFIP Dimensional Inflation-Protec | New | 0.11% | +0.11 |
| KO The Coca-Cola Co. | New | 0.07% | +0.07 |
| COF Capital One Financial Corp. | New | 0.07% | +0.07 |
| VWO Vanguard Ftse Emerging Marke | Add +77.8% | 0.17% | +0.07 |
| GOOGL Alphabet Inc. Class A | Add +1.8% | 0.37% | +0.06 |
| DUSB Dimension Ultrashort Fi ETF | Add +66.9% | 0.15% | +0.05 |
| DFCF Dimensional Core Fixed Inc. | Add +9.4% | 3.34% | +0.03 |
| DFGR Dim Global Real Estate ETF | Add +43.4% | 0.11% | +0.03 |
| AGG iShares Core U.S. Aggregate | Add +23.6% | 0.09% | +0.01 |
| RTX RTX Corp. | Add +1.2% | 0.10% | +0.00 |
| DFUV Dimensional US Marketwide Va | Add +0.3% | 0.09% | −0.00 |
| DFAX Dimensional World Ex US Core | Add +0.0% | 0.09% | −0.00 |
| AMZN Amazon.com Inc. | Add +0.3% | 0.15% | −0.00 |
| IVV iShares Core S&P 500 ETF | Add +5.3% | 2.04% | −0.00 |
| JPM JPMorgan Chase & Co. | Add +2.4% | 0.14% | −0.00 |
| AAPL Apple Inc. | Add +0.1% | 0.60% | −0.01 |
| NVDA Nvidia Corp. | Add +0.8% | 0.11% | −0.01 |
| IXUS iShares Core Intl Stock ETF | Add +1.9% | 0.23% | −0.01 |
| VCEB Vanguard ESG US Corp. Bond | Add +0.2% | 0.13% | −0.01 |
| VIG Vanguard Dividend Apprec ETF | Add +0.1% | 0.21% | −0.01 |
| EUSB Ishr ESG Advn Universal BD-$ | Add +0.1% | 0.19% | −0.01 |
| MSFT Microsoft Corp. | Add +10.2% | 0.77% | −0.04 |
| BSV Vanguard Short-Term Bond ETF | Add +5.2% | 2.41% | −0.07 |
| FREL Fidelity MSCI RL Est Indx | Add +1.4% | 1.15% | −0.12 |
All Filings
| Quarter | Positions | 13F Reported Value | Top Holdings |
|---|---|---|---|
| Q2 2026 | 87 | $353.9M | DFAU, BND, VTI, DFAI, DFSD |
| Q1 2026 | 85 | $314.5M | BND, DFAU, VTI, DFAI, DFSD |
| Q4 2025 | 90 | $313.6M | DFAU, BND, VTI, DFAI, DFCF |
| Q3 2025 | 85 | $290.5M | BND, DFAU, DFAI, VTI, DFCF |
| Q2 2025 | 82 | $268.6M | BND, DFAU, DFAI, VTI, DFCF |
| Q1 2025 | 81 | $248.2M | BND, DFAU, DFAI, VTI, DFCF |
| Q4 2024 | 313 | $15.4B | BND, DFAU, DFAI, VTI, LLY |
| Q3 2024 | 83 | $243.8M | BND, DFAU, DFAI, VTI, LLY |
| Q2 2024 | 71 | $227.3M | BND, DFAU, DFAI, VTI, LLY |
| Q1 2024 | 65 | $199.7M | BOND, DFAU, DFAI, VTI, DFCF |