Harbor Asset Planning, Inc.

In its 13F for Q4 2025 (holdings as of December 31, 2025, filed January 26, 2026), Harbor Asset Planning, Inc. reported 441 stock positions worth $117.0 million. Its top holding was Schwab US Large-Cap Growth (SCHG) at 4.5% of the portfolio, followed by VG Morningstar TS MKT ETF-US (VTI, 4.5%) and iShares Core S&P 500 ETF (IVV, 4.1%). Compared with Q3 2025, it opened 34 new positions, sold out of 4, added to 170 and reduced 25. The biggest buy was Fidelity High Dividend ETF (FDVV, shares +441%) and the biggest sale Schwab US DVD Equity ETF (SCHD, shares −75%).

Most Recent 13F
Q2 2026
Location
BELMONT, MA
CIK
0002077050
Portfolio Value
$117.0M (Q4 2025)
SEC Filing
0001398344-26-001149 ↗ filed Jan 26, 2026

Holdings Value

0$50.0M$100.0M$150.0M Q2 2025: $104.7M Q2 2025 Q3 2025: $111.7M Q3 2025 Q4 2025: $117.0M $117.0M Q4 2025 Q1 2026: $118.9M Q1 2026 Q2 2026: $133.2M Q2 2026

Holdings 441 stocks · $117.0M
SCHG Schwab US Large-Cap Growth 4.54% 162,992 $5.3M Add +0.1%
VTI VG Morningstar TS MKT ETF-US 4.53% 15,824 $5.3M Reduce -0.4%
IVV iShares Core S&P 500 ETF 4.06% 6,927 $4.7M Add +0.3%
VTV Vanguard Mrngstr Val ETF-Aui 3.87% 23,720 $4.5M Add +1.8%
RWL Invesco S&P 500 Revenue ETF 3.46% 35,335 $4.0M Add +6.7%
GSIE Goldman Sachs Activebeta Int 3.02% 82,334 $3.5M Add +1.7%
RSPN Invesco S&P 500 Equal Weight 2.53% 52,240 $3.0M Add +5.0%
VGT Vanguard Info Tech ETF 2.32% 3,602 $2.7M Add +0.2%
DFAI Dimensional International Co. 2.31% 70,849 $2.7M Add +3.0%
SMLF iShares US Smallcap Equity F 2.30% 35,915 $2.7M Add +3.9%
SCHX Schwab US Large-Cap ETF 2.20% 95,549 $2.6M Reduce -1.3%
XMHQ Invesco S&P Midcap Qual ETF 2.18% 24,926 $2.6M Add +0.2%
FNCL Fidelity MSCI Financial Indx 1.92% 28,969 $2.3M Add +1.1%
SGOV iShares 0-3 Month Treasury B 1.87% 21,773 $2.2M Reduce -0.7%
DIVO Amplify CWP Enhan Divid ETF 1.85% 48,676 $2.2M Reduce -5.4%
VV Vngrd Mrgstr LRG-Cap ETF-Usd 1.77% 6,594 $2.1M Add +32.6%
XLI SS Industrial Select Sector 1.60% 12,054 $1.9M Add +1.0%
VBK Van Morst SML-Cap Gro-Usd Inc. 1.58% 6,112 $1.8M Reduce -6.3%
FNDX Schwab Fndmntl US LRG Co. ETF 1.57% 67,597 $1.8M Add +0.6%
VHT Vanguard Health Care ETF 1.53% 6,204 $1.8M Add +0.3%
AAPL Apple Inc. 1.25% 5,368 $1.5M Add +0.0%
GOOGL Alphabet Inc. Class A 1.21% 4,505 $1.4M No change
FDVV Fidelity High Dividend ETF 1.10% 22,642 $1.3M Add +441.2%
IWF iShares Russell 1000 Growth 1.09% 2,706 $1.3M Add +1.2%
VUG Vanguard Mrngstar GR ETF-Sui 1.09% 2,610 $1.3M Reduce -0.1%
IWB iShares Russell 1000 ETF 1.08% 3,396 $1.3M Add +0.3%
FMDE Fidelity Enhanced Mid Cap Co. 1.06% 33,956 $1.2M Add +53.2%
MGC Vngrd Mrngstr MG Cap ETF-Usd 1.02% 4,734 $1.2M Add +0.5%
DFUS Dimensional US Eq MKT ETF 1.00% 15,854 $1.2M Reduce -0.5%
FLTR Vaneck Ig Floating Rate ETF 1.00% 45,957 $1.2M Add +37.3%
VYMI Vanguard Int High DVD YLD Inc. 0.99% 12,895 $1.2M Add +2.2%
FLOT iShares Floating Rate Bond E 0.98% 22,542 $1.1M Reduce -4.6%
AVUV Avantis US Small Cap Value 0.97% 11,185 $1.1M Add +2.2%
FNDA Schwab Fndmntl US SM Co. ETF 0.87% 32,308 $1.0M Add +1.9%
COWZ Pacer US Cash Cows 100 ETF 0.80% 15,595 $938K Reduce -1.1%
MSFT Microsoft Corp. 0.80% 1,925 $931K Add +0.3%
IWR iShares Russell Mid-Cap ETF 0.76% 9,179 $884K Add +0.4%
IWD iShares Russell 1000 Value E 0.68% 3,769 $793K Add +0.4%
JEPI JPMorgan Equity Premium Inco 0.67% 13,741 $787K Add +8.8%
PRF Invesco Rafi US 1000 ETF 0.63% 15,618 $733K Add +0.4%
DSI iShares ESG MSCI KLD 400 ETF 0.62% 5,663 $730K Add +0.3%
FELV Fidelity Enh LRG Cap Val ETF 0.61% 20,501 $711K Add +0.4%
QQQ Invesco QQQ Trust Series 1 0.59% 1,116 $686K Add +0.1%
JHMM John Hancock Multi Fact Mid 0.56% 10,026 $656K Reduce -0.4%
IYG iShares U.S. Financial Servi 0.55% 7,036 $649K Add +5.9%
SOXX iShares Semiconductor ETF 0.55% 2,152 $649K Add +4.3%
SPHQ Invesco S&P 500 Quality ETF 0.55% 8,554 $642K Add +0.1%
JMEE JPM Sma & Mid Cap En Eq Et-U filed as J P MORGAN EXCHANGE TRADED F 0.52% 9,459 $609K Add +8.2%
RSPH Invesco S&P 500 Equal Weight 0.52% 18,991 $605K Add +0.1%
SDY SS SPDR S&P Dividend ETF 0.47% 3,970 $552K Add +0.7%
HD Home Depot Inc. 0.47% 1,596 $549K Reduce -14.3%
XLK SS Technology Select Sector 0.46% 3,698 $533K Add +0.2%
ADSK Autodesk Inc. 0.45% 1,782 $527K No change
SCHB Schwab US Broad Market ETF 0.44% 19,711 $517K Add +0.3%
QUAL iShares MSCI USA Quality Fac 0.44% 2,584 $513K Add +0.3%
FELC Fidelity Enh LRG Cap Cor ETF 0.42% 12,919 $493K Add +0.2%
SPLV Invesco S&P 500 Low Volatili 0.40% 6,559 $468K Add +0.5%
AVDE Avantis International Equity 0.39% 5,532 $455K Add +55.6%
VPU Vanguard Utilities ETF 0.38% 2,371 $439K Add +29.4%
ATNI Atn International Inc. 0.36% 18,538 $423K Add +1.8%
XLF SS Financial Select Sector 0.35% 7,512 $411K Add +0.3%
VDC Vanguard Consumer Staple ETF 0.34% 1,869 $395K Add +3.3%
VIG Vanguard Dividend Apprec ETF 0.34% 1,788 $393K Add +0.6%
IJR iShares Core S&P Small-Cap E 0.32% 3,152 $379K Add +0.5%
RSPF Invesco S&P 500 Equal Weight 0.32% 4,733 $372K Reduce -8.9%
BRK.B Berkshire Hathaway Inc. Class B 0.32% 737 $370K No change
VB Vanguard Most SM-Cap ETF-Usd 0.30% 1,337 $345K Reduce -6.6%
SCHD Schwab US DVD Equity ETF 0.29% 12,558 $344K Reduce -74.9%
ESGV Vanguard ESG US Stock ETF 0.29% 2,819 $341K Add +0.2%
VOX Vanguard Communication Servi 0.29% 1,760 $341K Add +3.4%
PAVE Global X US Infrastructure 0.28% 6,832 $327K No change
VBR Vngrd Mrngst SL-CP Val ETF-U 0.26% 1,424 $302K Add +1.0%
DVY iShares Select Dividend ETF 0.26% 2,130 $301K Add +1.1%
FTCS First Trust Capital Strength 0.25% 3,185 $295K No change
IWY iShares Russell Top 200 Grow 0.25% 1,054 $292K Add +0.1%
XLC SS Comm Select Sector SPDR 0.25% 2,441 $287K Add +0.3%
SPY SS SPDR S&P 500 ETF Trust-US 0.24% 404 $276K Add +0.3%
QGRO American Century US Quality 0.22% 2,291 $262K Add +0.0%
AMZN Amazon.com Inc. 0.22% 1,136 $262K No change
VEA Vanguard Ftse Developed ETF 0.21% 4,003 $250K Add +10.7%
FIDU Fidelity MSCI Indust Indx 0.21% 3,026 $250K Add +12.6%
SCHV Schwab US Large-Cap Value 0.21% 8,263 $245K Add +0.6%
VFMF Vanguard US Multifactor ETF 0.21% 1,618 $244K Add +5.2%
PWB Invesco Large Cap Growth ETF 0.21% 1,918 $244K No change
XMMO Invesco S&P Midcap Momentum 0.20% 1,655 $229K Add +0.2%
PHM Pultegroup Inc. 0.19% 1,886 $221K No change
ED Consolidated Edison Inc. 0.19% 2,211 $220K No change
SUSA iShares ESG Optimized MSCI U 0.19% 1,558 $217K Add +0.3%
LLY Eli Lilly & Co. 0.18% 200 $215K No change
AIQ Global X Art Intel & Tech 0.17% 3,871 $197K Add +2.1%
EQWL Invesco S&P 100 Equal Weight 0.17% 1,643 $194K Add +0.5%
JNJ Johnson & Johnson 0.16% 928 $192K No change
DGRW Wisdomtree U.S. Quality Divi 0.16% 2,127 $190K Add +0.4%
FNDB Schwab Fndmntl US BRD Mr ETF 0.16% 6,969 $185K Add +0.5%
FNDF Schwab Fndmn Intl LRG Co. ETF 0.16% 4,037 $183K Reduce -0.2%
NUSC Nuveen ESG Small-Cap ETF 0.15% 4,034 $180K Add +1.0%
DHR Danaher Corp. 0.15% 772 $177K No change
POWR iShares US Power Infrastruct 0.15% 7,506 $177K Add +16.0%
PWV Invesco Large Cap Value ETF 0.15% 2,599 $173K Add +0.4%
ADI Analog Devices Inc. 0.15% 631 $171K No change

Show all 441 holdings

Other holdings (1): bonds, preferreds, convertibles and warrants · $36 (not counted above)
SecurityClassShares / PrincipalValueChange
DSX.WS Diana Shipping Inc.-28 *W EXP 12/14/202 434$36No change

Total filed on the 13F, all lines: $117.0M.

Portfolio Sells Q3 2025 → Q4 2025
SCHD Schwab US DVD Equity ETF Reduce -74.9% 0.29% −0.93
HD Home Depot Inc. Reduce -14.3% 0.47% −0.21
DIVO Amplify CWP Enhan Divid ETF Reduce -5.4% 1.85% −0.20
VBK Van Morst SML-Cap Gro-Usd Inc. Reduce -6.3% 1.58% −0.16
VTI VG Morningstar TS MKT ETF-US Reduce -0.4% 4.53% −0.13
NSP Insperity Inc. Sold out 0.00% −0.13
SGOV iShares 0-3 Month Treasury B Reduce -0.7% 1.87% −0.11
FLOT iShares Floating Rate Bond E Reduce -4.6% 0.98% −0.10
SCHX Schwab US Large-Cap ETF Reduce -1.3% 2.20% −0.08
CALF PCR US SM CP CSH CWS ETF-Usd Reduce -65.5% 0.03% −0.07
VYM Vanguard High DVD Yield ETF Reduce -53.9% 0.05% −0.06
RSPF Invesco S&P 500 Equal Weight Reduce -8.9% 0.32% −0.04
VUG Vanguard Mrngstar GR ETF-Sui Reduce -0.1% 1.09% −0.03
AMSF Amerisafe Inc. Reduce -19.3% 0.07% −0.03
VB Vanguard Most SM-Cap ETF-Usd Reduce -6.6% 0.30% −0.03
DFUS Dimensional US Eq MKT ETF Reduce -0.5% 1.00% −0.03
JHMM John Hancock Multi Fact Mid Reduce -0.4% 0.56% −0.02
ACN Accenture PLC Class A Reduce -16.3% 0.09% −0.01
COWZ Pacer US Cash Cows 100 ETF Reduce -1.1% 0.80% −0.01
VFMO Vanguard US Momentum Factor Reduce -2.8% 0.11% −0.01
LUMN Lumen Technologies Inc. Sold out 0.00% −0.01
IJS iShares S&P Small-Cap 600 Va Reduce -5.2% 0.12% −0.01
IHI iShares U.S. Medical Devices Reduce -5.4% 0.11% −0.01
SPDW Ste STR SPDR PT DW Eu ETF Reduce -4.7% 0.08% −0.00
KARS Kraneshares Electric Vehicle Reduce -5.3% 0.04% −0.00
GSBD Goldman Sachs BDC Inc. Sold out 0.00% −0.00
PSEC Prospect Capital Corp. Sold out 0.00% −0.00
VWO Vanguard Ftse Emerging Marke Reduce -4.1% 0.03% −0.00
FNDF Schwab Fndmn Intl LRG Co. ETF Reduce -0.2% 0.16% +0.00

Portfolio Buys Q3 2025 → Q4 2025
FDVV Fidelity High Dividend ETF Add +441.2% 1.10% +0.89
VV Vngrd Mrgstr LRG-Cap ETF-Usd Add +32.6% 1.77% +0.40
FMDE Fidelity Enhanced Mid Cap Co. Add +53.2% 1.06% +0.34
FLTR Vaneck Ig Floating Rate ETF Add +37.3% 1.00% +0.24
RWL Invesco S&P 500 Revenue ETF Add +6.7% 3.46% +0.18
AVDE Avantis International Equity Add +55.6% 0.39% +0.14
ATNI Atn International Inc. Add +1.8% 0.36% +0.12
VDE Vanguard Energy ETF Add +263.3% 0.13% +0.09
VHT Vanguard Health Care ETF Add +0.3% 1.53% +0.09
DFAI Dimensional International Co. Add +3.0% 2.31% +0.07
VPU Vanguard Utilities ETF Add +29.4% 0.38% +0.06
HEEM iShares Crncy Hedgd MSCI Em New 0.06% +0.06
RSP Invesco S&P 500 Equal Weight New 0.06% +0.06
SOXX iShares Semiconductor ETF Add +4.3% 0.55% +0.05
HEFA Isha Curr Hedged MSCI Eafe Add +467.1% 0.05% +0.04
PPA Invesco Aerospace & Defense New 0.04% +0.04
GSIE Goldman Sachs Activebeta Int Add +1.7% 3.02% +0.04
JPUS JPMorgan Div Ret US Eq ETF New 0.04% +0.04
VGIT Vanguard Intermediate-Term T New 0.04% +0.04
VYMI Vanguard Int High DVD YLD Inc. Add +2.2% 0.99% +0.04
LQDH iShares Int Hedg Corp. BD ETF New 0.04% +0.04
FVAL Fidelity Value Factor ETF New 0.03% +0.03
VOOG Vanguard S&P 500 Growth ETF New 0.03% +0.03
RSPN Invesco S&P 500 Equal Weight Add +5.0% 2.53% +0.03
JGRO JPMorgan Active Growth ETF New 0.03% +0.03
JEPI JPMorgan Equity Premium Inco Add +8.8% 0.67% +0.03
AAPL Apple Inc. Add +0.0% 1.25% +0.02
JMEE JPM Sma & Mid Cap En Eq Et-U Add +8.2% 0.52% +0.02
IYG iShares U.S. Financial Servi Add +5.9% 0.55% +0.02
VEA Vanguard Ftse Developed ETF Add +10.7% 0.21% +0.02
EUSA iShares MSCI USA Equal Weigh Add +47.7% 0.07% +0.02
RSPH Invesco S&P 500 Equal Weight Add +0.1% 0.52% +0.02
JTEK JPMorgan US Tech Leaders New 0.02% +0.02
IVLU iShares MSCI International V New 0.02% +0.02
FIDU Fidelity MSCI Indust Indx Add +12.6% 0.21% +0.02
AKRE Akre Focus ETF New 0.02% +0.02
QYLG Global X Nasdaq 100 Covc GRW New 0.01% +0.01
AVDS Avantis Intl SM Cap Eq ETF New 0.01% +0.01
MGV Vngrd Mrgstr MG CP VL ETF-Ui Add +40.6% 0.05% +0.01
IDV iShares International Select New 0.01% +0.01
PSI Invesco Semiconductors ETF Add +20.7% 0.05% +0.01
JAVA JPMorgan Active Value ETF New 0.01% +0.01
INTC Intel Corp. Add +2.9% 0.14% +0.01
VFMF Vanguard US Multifactor ETF Add +5.2% 0.21% +0.01
FESM Fidelity Enhanced Small Cap Add +18.1% 0.06% +0.01
FTEC Fidelity MSCI Info Tech Indx New 0.01% +0.01
SHY iShares 1-3 Year Treasury Bo New 0.01% +0.01
MU Micron Technology Inc. New 0.01% +0.01
AMD Advanced Micro Devices New 0.01% +0.01
POWR iShares US Power Infrastruct Add +16.0% 0.15% +0.01

All Filings

QuarterPositions13F Reported ValueTop Holdings
Q2 2026 414$133.2MVTI, SCHG, VTV, IVV, RWL
Q1 2026 419$118.9MVTI, SCHG, VTV, IVV, RWL
Q4 2025 441$117.0MSCHG, VTI, IVV, VTV, RWL
Q3 2025 408$111.7MVTI, SCHG, IVV, VTV, RWL
Q2 2025 409$104.7MVTI, SCHG, IVV, VTV, RWL