Financial Plan, Inc.

In its 13F for Q2 2026 (holdings as of June 30, 2026, filed August 14, 2026), Financial Plan, Inc. reported 94 stock positions worth $1.1 billion. Its top holding was Avantis U.S. Equity ETF (AVUS) at 17.4% of the portfolio, followed by Dimensional US Core Equity 2 (DFAC, 15.6%) and Avantis International Equity (AVDE, 10.2%). Compared with Q1 2026, it opened 8 new positions, sold out of 7, added to 51 and reduced 20. The biggest buy was Dimensional US Core Equity 2 (DFAC, shares +5%) and the biggest sale Dimension Ultrashort Fi ETF (DUSB, shares −28%).

Most Recent 13F
Q2 2026
Location
BELLINGHAM, WA
CIK
0002107584
Portfolio Value
$1.1B (Q2 2026)
SEC Filing
0002107584-26-000004 ↗ filed Aug 14, 2026

Holdings Value

0$500.0M$1.0B$1.5B Q4 2025: $870.8M Q4 2025 Q1 2026: $932.7M Q1 2026 Q2 2026: $1.1B $1.1B Q2 2026

Holdings 94 stocks · $1.1B
AVUS Avantis U.S. Equity ETF 17.36% 1,428,195 $182.9M Add +2.5%
DFAC Dimensional US Core Equity 2 15.59% 3,704,312 $164.3M Add +4.7%
AVDE Avantis International Equity 10.23% 1,209,058 $107.8M Add +1.9%
DFIC Dimensional International Co. 5.71% 1,614,612 $60.2M Add +6.5%
DFSD Dimensional Short Duration 4.70% 1,038,034 $49.6M Add +13.2%
AVEM Avantis Emerging Markets Eq 4.68% 511,267 $49.3M Add +1.0%
AVSF Avantis Short-Term Fixed Inc. 4.10% 926,710 $43.2M Add +8.9%
VTIP Vanguard Short-Term Tips 3.70% 776,767 $39.0M Add +14.2%
AVRE Avantis Real Estate ETF 3.58% 797,049 $37.8M Add +11.9%
DFEM Dimensional Emrg MRKT Core 2.95% 763,903 $31.0M Add +4.6%
SPMB SS SPDR P Mort Back Bond ETF 2.87% 1,354,741 $30.2M Add +6.5%
DUSB Dimension Ultrashort Fi ETF 2.83% 587,139 $29.8M Reduce -28.2%
DFGR Dim Global Real Estate ETF 2.77% 1,006,202 $29.1M Add +8.5%
DFAX Dimensional World Ex US Core 2.51% 718,310 $26.5M Reduce -1.8%
DFCF Dimensional Core Fixed Inc. 2.31% 576,998 $24.4M Add +13.4%
STIP iShares 0-5 Year Tips Bond E 1.02% 104,859 $10.7M Add +2.5%
DFIP Dimensional Inflation-Protec 0.91% 231,318 $9.5M Add +19.6%
VCSH Vanguard S/T Corp. Bond ETF 0.75% 99,573 $7.9M Add +6.0%
AVIG Avantis Core Fixed Income 0.68% 172,083 $7.1M Add +13.6%
VGSH Vanguard Short-Term Treasury 0.63% 113,466 $6.6M Reduce -2.0%
AAPL Apple Inc. 0.58% 21,053 $6.1M Reduce -6.3%
AVUV Avantis US Small Cap Value 0.58% 48,709 $6.1M Add +0.7%
CAT Caterpillar Inc. 0.56% 5,511 $5.9M No change
BSV Vanguard Short-Term Bond ETF 0.53% 71,969 $5.6M Reduce -4.9%
SHV iShares 0-1 Year Treasury Bo 0.49% 46,426 $5.1M Add +140.9%
VMBS Vanguard Mortgage-Backed Sec 0.46% 103,640 $4.9M Add +454.1%
MSFT Microsoft Corp. 0.44% 12,363 $4.6M Add +1.4%
SUB iShares Short-Term National 0.43% 42,464 $4.5M Add +28.3%
SPSB SS SPDR P St C Corp. ETF 0.37% 130,057 $3.9M Reduce -8.7%
VT Vanguard Tot World STK ETF 0.34% 22,679 $3.6M Reduce -1.9%
DFAI Dimensional International Co. 0.33% 85,267 $3.5M Reduce -1.0%
GLD SPDR Gold Shares 0.32% 9,258 $3.4M Reduce -8.0%
VTEB Vanguard Tax-Exempt Bond ETF 0.26% 53,422 $2.7M Reduce -2.5%
VTI VG Morningstar TS MKT ETF-US 0.24% 6,734 $2.5M Reduce -6.6%
REET iShares Global REIT ETF 0.23% 88,787 $2.5M Reduce -3.1%
SLV iShares Silver Trust 0.20% 40,008 $2.1M Reduce -0.0%
AVDV Avantis Intl S/C Value ETF 0.19% 18,949 $2.0M Add +1.6%
BNY Bank of New York Mellon Corp. 0.17% 12,107 $1.8M Reduce -1.6%
DFAU Dimensional US Core Equity M 0.16% 31,772 $1.6M Reduce -0.8%
BRK.A Berkshire Hathaway Inc. Class A 0.14% 2 $1.5M No change
TSLA Tesla Inc. 0.14% 3,488 $1.5M Add +0.4%
AVGE Avantis All Eqty Mrkts ETF 0.13% 14,323 $1.4M Add +22.1%
COST Costco Wholesale Corp. 0.13% 1,457 $1.4M Add +5.5%
NVDA Nvidia Corp. 0.13% 6,725 $1.3M Add +0.7%
DFSU Dimensional US Sus CORE1 ETF 0.12% 27,901 $1.3M Add +14.7%
IWF iShares Russell 1000 Growth 0.12% 10,360 $1.3M No change
AVSU Avantis Resp US Equity ETF 0.12% 14,249 $1.3M Add +0.3%
DFUS Dimensional US Eq MKT ETF 0.12% 15,393 $1.3M No change
SPTM SS SPDR P S&P 1500 Comp ETF 0.12% 13,842 $1.3M Reduce -7.4%
DFNM Dimensional National Muni BD 0.11% 24,574 $1.2M Add +56.0%
DFSV Dimensional US Small Cap Val 0.11% 28,878 $1.1M Add +11.9%
GLW Corning Inc. 0.10% 4,003 $1.0M Add +0.1%
DXUV Dimensional US Vtor Eqty ETF 0.09% 13,692 $911K Add +0.2%
BA The Boeing Co. 0.08% 3,726 $807K Add +7.0%
SPAB SS SPDR P Agg Bond ETF 0.07% 30,285 $773K Reduce -0.5%
GOOG Alphabet Inc. Class C 0.07% 2,069 $731K Add +0.2%
AVSD Avantis Reps Intern Equi ETF 0.07% 8,952 $715K No change
MTRX Matrix Service Co. 0.06% 47,615 $652K No change
TRMB Trimble Inc. 0.06% 12,500 $640K No change
AVGO Broadcom Inc. 0.06% 1,577 $596K Add +13.4%
DFSI Dimensional Int Sus COR1 ETF 0.06% 12,925 $583K Add +15.4%
AVMU Avantis Core Municipal Fixed 0.05% 11,730 $546K Add +1.1%
AMZN Amazon.com Inc. 0.05% 2,231 $532K Add +14.2%
AVLV Avantis US Large Cap Value 0.05% 5,643 $515K No change
VOO Vanguard S&P 500 ETF 0.05% 747 $513K Add +19.1%
VGT Vanguard Info Tech ETF 0.05% 4,224 $505K No change
VO Vngrd Mrngstr MD-Cap ETF-Usd 0.04% 5,856 $472K No change
TY Tri-Continental Corp. 0.04% 13,091 $451K Add +18.9%
JNJ Johnson & Johnson 0.04% 1,731 $440K Add +14.8%
MBB iShares MBS ETF 0.04% 4,649 $439K Add +13.7%
MEAR Ishrs Short Mat Muni Act ETF 0.04% 7,797 $393K Add +6.8%
IVV iShares Core S&P 500 ETF 0.04% 518 $388K Reduce -0.6%
VTES Vanguard SH Term Tax-Ex Bond 0.04% 3,778 $383K Add +35.8%
IEFA iShares Core MSCI Eafe ETF 0.04% 3,872 $374K Add +21.0%
DFSB Dim GLB Sustain Fix Inc. ETF 0.03% 6,902 $360K No change
SPDW Ste STR SPDR PT DW Eu ETF 0.03% 7,047 $355K Reduce -5.2%
ABBV Abbvie Inc. 0.03% 1,364 $343K Add +12.1%
SPEM State Street SP PTF Em ETF 0.03% 6,537 $338K Reduce -2.7%
GOOGL Alphabet Inc. Class A 0.03% 917 $328K New
VUSB Vanguard Ultra Short Bond Et 0.03% 6,508 $324K New
ABT Abbott Laboratories 0.03% 3,570 $324K No change
QCOM Qualcomm Inc. 0.03% 1,742 $322K New
SUSB iShares ESG Aware 1-5 Year U 0.03% 12,305 $308K No change
DFSE Dimensional Em Sus CORE1 ETF 0.03% 5,853 $286K Add +9.6%
CSCO Cisco Systems Inc. 0.03% 2,430 $285K New
XOM Exxon Mobil Corp. 0.03% 1,977 $270K Add +0.7%
USB US Bancorp 0.02% 4,336 $262K Add +9.5%
AVSE Avantis Resp Emerg MKTS Eq-E 0.02% 3,166 $259K No change
IWB iShares Russell 1000 ETF 0.02% 523 $214K New
MS Morgan Stanley 0.02% 992 $207K New
CVX Chevron Corp. 0.02% 1,228 $204K Add +21.9%
VB Vanguard Most SM-Cap ETF-Usd 0.02% 669 $203K New
GGN Gamco GLBL Gold NTRL Res Inc. 0.01% 25,027 $121K No change
CJMB Callan JMB Inc. 0.00% 13,500 $11K New
Other holdings (1): bonds, preferreds, convertibles and warrants · $267K (not counted above)
SecurityClassShares / PrincipalValueChange
BANK OF AMERICA CORP (BAC 7.25 PERP L) 7.25%CNV PFD L 213$267KNo change

Total filed on the 13F, all lines: $1.1B.

Portfolio Sells Q1 2026 → Q2 2026
DUSB Dimension Ultrashort Fi ETF Reduce -28.2% 2.83% −1.62
DFAX Dimensional World Ex US Core Reduce -1.8% 2.51% −0.15
GLD SPDR Gold Shares Reduce -8.0% 0.32% −0.14
BSV Vanguard Short-Term Bond ETF Reduce -4.9% 0.53% −0.10
VGSH Vanguard Short-Term Treasury Reduce -2.0% 0.63% −0.10
SLV iShares Silver Trust Reduce -0.0% 0.20% −0.09
SPSB SS SPDR P St C Corp. ETF Reduce -8.7% 0.37% −0.09
VTEB Vanguard Tax-Exempt Bond ETF Reduce -2.5% 0.26% −0.04
MCD McDonald's Corp. Sold out 0.00% −0.03
AAPL Apple Inc. Reduce -6.3% 0.58% −0.03
BP BP PLC-Spons ADR Sold out 0.00% −0.03
DFAI Dimensional International Co. Reduce -1.0% 0.33% −0.03
REET iShares Global REIT ETF Reduce -3.1% 0.23% −0.01
VTI VG Morningstar TS MKT ETF-US Reduce -6.6% 0.24% −0.01
SPAB SS SPDR P Agg Bond ETF Reduce -0.5% 0.07% −0.01
SPTM SS SPDR P S&P 1500 Comp ETF Reduce -7.4% 0.12% −0.01
VT Vanguard Tot World STK ETF Reduce -1.9% 0.34% −0.00
WAFU Wah Fu Education & Technolog Sold out 0.00% −0.00
SPDW Ste STR SPDR PT DW Eu ETF Reduce -5.2% 0.03% −0.00
ITP IT Tech Packaging Inc. Sold out 0.00% −0.00
SNTG Sentage Holdings Inc. Sold out 0.00% −0.00
SPEM State Street SP PTF Em ETF Reduce -2.7% 0.03% −0.00
SMTK Smartkem Inc. Sold out 0.00% −0.00
HUB CYBER SECURITY LTD Sold out 0.00% −0.00
IVV iShares Core S&P 500 ETF Reduce -0.6% 0.04% +0.00
DFAU Dimensional US Core Equity M Reduce -0.8% 0.16% +0.00
BNY Bank of New York Mellon Corp. Reduce -1.6% 0.17% +0.01

Portfolio Buys Q1 2026 → Q2 2026
DFAC Dimensional US Core Equity 2 Add +4.7% 15.59% +0.86
AVUS Avantis U.S. Equity ETF Add +2.5% 17.36% +0.74
VMBS Vanguard Mortgage-Backed Sec Add +454.1% 0.46% +0.37
AVEM Avantis Emerging Markets Eq Add +1.0% 4.68% +0.31
SHV iShares 0-1 Year Treasury Bo Add +140.9% 0.49% +0.26
DFEM Dimensional Emrg MRKT Core Add +4.6% 2.95% +0.24
AVRE Avantis Real Estate ETF Add +11.9% 3.58% +0.22
DFGR Dim Global Real Estate ETF Add +8.5% 2.77% +0.12
VTIP Vanguard Short-Term Tips Add +14.2% 3.70% +0.06
SUB iShares Short-Term National Add +28.3% 0.43% +0.05
DFIP Dimensional Inflation-Protec Add +19.6% 0.91% +0.04
GLW Corning Inc. Add +0.1% 0.10% +0.04
DFNM Dimensional National Muni BD Add +56.0% 0.11% +0.03
GOOGL Alphabet Inc. Class A New 0.03% +0.03
VUSB Vanguard Ultra Short Bond Et New 0.03% +0.03
QCOM Qualcomm Inc. New 0.03% +0.03
CSCO Cisco Systems Inc. New 0.03% +0.03
AVGE Avantis All Eqty Mrkts ETF Add +22.1% 0.13% +0.02
IWB iShares Russell 1000 ETF New 0.02% +0.02
MS Morgan Stanley New 0.02% +0.02
VB Vanguard Most SM-Cap ETF-Usd New 0.02% +0.02
DFSU Dimensional US Sus CORE1 ETF Add +14.7% 0.12% +0.02
AVGO Broadcom Inc. Add +13.4% 0.06% +0.01
DFSV Dimensional US Small Cap Val Add +11.9% 0.11% +0.01
DFCF Dimensional Core Fixed Inc. Add +13.4% 2.31% +0.01
VOO Vanguard S&P 500 ETF Add +19.1% 0.05% +0.01
AVSU Avantis Resp US Equity ETF Add +0.3% 0.12% +0.01
AMZN Amazon.com Inc. Add +14.2% 0.05% +0.01
VTES Vanguard SH Term Tax-Ex Bond Add +35.8% 0.04% +0.01
GOOG Alphabet Inc. Class C Add +0.2% 0.07% +0.01
TY Tri-Continental Corp. Add +18.9% 0.04% +0.01
DFSI Dimensional Int Sus COR1 ETF Add +15.4% 0.06% +0.00
IEFA iShares Core MSCI Eafe ETF Add +21.0% 0.04% +0.00
ABBV Abbvie Inc. Add +12.1% 0.03% +0.00
AVUV Avantis US Small Cap Value Add +0.7% 0.58% +0.00
DFSE Dimensional Em Sus CORE1 ETF Add +9.6% 0.03% +0.00
NVDA Nvidia Corp. Add +0.7% 0.13% +0.00
USB US Bancorp Add +9.5% 0.02% +0.00
BA The Boeing Co. Add +7.0% 0.08% +0.00
JNJ Johnson & Johnson Add +14.8% 0.04% +0.00
AVIG Avantis Core Fixed Income Add +13.6% 0.68% +0.00
CJMB Callan JMB Inc. New 0.00% +0.00
TSLA Tesla Inc. Add +0.4% 0.14% +0.00
MBB iShares MBS ETF Add +13.7% 0.04% +0.00
DXUV Dimensional US Vtor Eqty ETF Add +0.2% 0.09% −0.00
MEAR Ishrs Short Mat Muni Act ETF Add +6.8% 0.04% −0.00
CVX Chevron Corp. Add +21.9% 0.02% −0.00
DFSD Dimensional Short Duration Add +13.2% 4.70% −0.00
AVMU Avantis Core Municipal Fixed Add +1.1% 0.05% −0.01
XOM Exxon Mobil Corp. Add +0.7% 0.03% −0.01

All Filings

QuarterPositions13F Reported ValueTop Holdings
Q2 2026 94$1.1BAVUS, DFAC, AVDE, DFIC, DFSD
Q1 2026 93$932.7MAVUS, DFAC, AVDE, DFIC, DFSD
Q4 2025 93$870.8MAVUS, DFAC, AVDE, DFIC, DUSB