Investments & Financial Planning, LLC
In its 13F for Q3 2025 (holdings as of September 30, 2025, filed November 13, 2025), Investments & Financial Planning, LLC reported 37 stock positions worth $185.1 million. Its top holding was Vanguard Most SM-Cap ETF-Usd (VB) at 21.0% of the portfolio, followed by SS SPDR P S&P 500 Growth ETF (SPYG, 20.9%) and iShares Core S&P Midcap ETF (IJH, 14.4%). Compared with Q2 2025, it added to 17 and reduced 15. The biggest buy was Nvidia (NVDA, shares +0%) and the biggest sale Vanguard Most SM-Cap ETF-Usd (VB, shares −2%).
- Most Recent 13F
- Q2 2026
- Location
- LEXINGTON, KY
- CIK
- 0001909307
- Portfolio Value
- $185.1M (Q3 2025)
- SEC Filing
- 0001909307-25-000013 ↗ filed Nov 13, 2025
Holdings Value
Holdings 37 stocks · $185.1M
| VB Vanguard Most SM-Cap ETF-Usd | 20.99% | 152,767 | $38.8M | Reduce -2.4% |
| SPYG SS SPDR P S&P 500 Growth ETF | 20.88% | 369,859 | $38.7M | Reduce -1.1% |
| IJH iShares Core S&P Midcap ETF | 14.36% | 407,297 | $26.6M | Add +0.6% |
| VO Vngrd Mrngstr MD-Cap ETF-Usd | 9.30% | 58,627 | $17.2M | Reduce -0.3% |
| CGGR Cap Group Growth Equity | 6.30% | 265,510 | $11.7M | Add +0.9% |
| URTH iShares MSCI World ETF | 5.39% | 54,938 | $10.0M | Add +0.8% |
| VT Vanguard Tot World STK ETF | 4.48% | 60,161 | $8.3M | Reduce -3.0% |
| VCSH Vanguard S/T Corp. Bond ETF | 3.74% | 86,633 | $6.9M | Add +2.5% |
| NVDA Nvidia Corp. | 2.44% | 24,236 | $4.5M | Add +0.1% |
| BIV Vanguard Intermediate-Term B | 1.86% | 44,025 | $3.4M | Add +6.6% |
| TSLA Tesla Inc. | 1.34% | 5,557 | $2.5M | No change |
| SHYG iShares 0-5 YR HY Corp. Bond | 1.23% | 52,684 | $2.3M | Add +16.8% |
| VUG Vanguard Mrngstar GR ETF-Sui | 1.03% | 3,957 | $1.9M | Reduce -0.1% |
| VTV Vanguard Mrngstr Val ETF-Aui | 0.76% | 7,546 | $1.4M | Add +0.6% |
| BNDX Vanguard Total Intl Bond ETF | 0.61% | 22,897 | $1.1M | Reduce -21.6% |
| MUB iShares National Muni Bond E | 0.49% | 8,449 | $900K | Add +17.4% |
| SPYM Ste STR SPDR PT S&P 500 ETF | 0.49% | 11,470 | $899K | Reduce -6.7% |
| AAPL Apple Inc. | 0.41% | 2,976 | $758K | Add +0.0% |
| VWOB Vanguard Emerg MKTS Gov BND | 0.40% | 11,118 | $744K | Reduce -22.8% |
| SPYV SS SPDR P S&P 500 Value ETF | 0.34% | 11,402 | $631K | Reduce -5.0% |
| LQD Ishr Ibx Usd Invgd CB ETF-Ui | 0.26% | 4,316 | $481K | Add +1.0% |
| VOE Vngrd Mrngstr MD-Cap Val ETF | 0.25% | 2,694 | $470K | Reduce -4.0% |
| SUB iShares Short-Term National | 0.23% | 3,990 | $426K | Add +49.9% |
| SPAB SS SPDR P Agg Bond ETF | 0.23% | 16,385 | $424K | Reduce -5.8% |
| AMZN Amazon.com Inc. | 0.23% | 1,909 | $419K | No change |
| VIG Vanguard Dividend Apprec ETF | 0.23% | 1,942 | $419K | Add +0.1% |
| SPDW Ste STR SPDR PT DW Eu ETF | 0.22% | 9,705 | $415K | Reduce -16.1% |
| SCHV Schwab US Large-Cap Value | 0.22% | 13,874 | $404K | Add +6.6% |
| VBR Vngrd Mrngst SL-CP Val ETF-U | 0.21% | 1,876 | $392K | Reduce -3.6% |
| MSFT Microsoft Corp. | 0.18% | 633 | $328K | No change |
| SCHG Schwab US Large-Cap Growth | 0.16% | 9,285 | $296K | Reduce -0.8% |
| BA The Boeing Co. | 0.14% | 1,191 | $257K | No change |
| SCHW Schwab (charles) Corp. | 0.13% | 2,549 | $243K | Add +0.0% |
| JNK SS SPDR BB High Yield Bond | 0.13% | 2,475 | $243K | Add +0.8% |
| UNH Unitedhealth Group Inc. | 0.12% | 642 | $222K | No change |
| DIS The Walt Disney Co. filed as DISNEY WALT CO | 0.12% | 1,931 | $221K | Add +0.3% |
| SPEM State Street SP PTF Em ETF | 0.12% | 4,555 | $213K | Reduce -6.5% |
Portfolio Sells Q2 2025 → Q3 2025
| VB Vanguard Most SM-Cap ETF-Usd | Reduce -2.4% | 20.99% | −0.37 |
| BNDX Vanguard Total Intl Bond ETF | Reduce -21.6% | 0.61% | −0.22 |
| VO Vngrd Mrngstr MD-Cap ETF-Usd | Reduce -0.3% | 9.30% | −0.17 |
| VWOB Vanguard Emerg MKTS Gov BND | Reduce -22.8% | 0.40% | −0.14 |
| VT Vanguard Tot World STK ETF | Reduce -3.0% | 4.48% | −0.11 |
| SPDW Ste STR SPDR PT DW Eu ETF | Reduce -16.1% | 0.22% | −0.05 |
| SPYM Ste STR SPDR PT S&P 500 ETF | Reduce -6.7% | 0.49% | −0.03 |
| SPAB SS SPDR P Agg Bond ETF | Reduce -5.8% | 0.23% | −0.03 |
| SPYV SS SPDR P S&P 500 Value ETF | Reduce -5.0% | 0.34% | −0.02 |
| VOE Vngrd Mrngstr MD-Cap Val ETF | Reduce -4.0% | 0.25% | −0.01 |
| VBR Vngrd Mrngst SL-CP Val ETF-U | Reduce -3.6% | 0.21% | −0.01 |
| SPEM State Street SP PTF Em ETF | Reduce -6.5% | 0.12% | −0.00 |
| SCHG Schwab US Large-Cap Growth | Reduce -0.8% | 0.16% | +0.00 |
| VUG Vanguard Mrngstar GR ETF-Sui | Reduce -0.1% | 1.03% | +0.02 |
| SPYG SS SPDR P S&P 500 Growth ETF | Reduce -1.1% | 20.88% | +0.35 |
Portfolio Buys Q2 2025 → Q3 2025
| NVDA Nvidia Corp. | Add +0.1% | 2.44% | +0.24 |
| CGGR Cap Group Growth Equity | Add +0.9% | 6.30% | +0.14 |
| SHYG iShares 0-5 YR HY Corp. Bond | Add +16.8% | 1.23% | +0.11 |
| URTH iShares MSCI World ETF | Add +0.8% | 5.39% | +0.07 |
| SUB iShares Short-Term National | Add +49.9% | 0.23% | +0.07 |
| AAPL Apple Inc. | Add +0.0% | 0.41% | +0.06 |
| MUB iShares National Muni Bond E | Add +17.4% | 0.49% | +0.05 |
| BIV Vanguard Intermediate-Term B | Add +6.6% | 1.86% | +0.02 |
| SCHV Schwab US Large-Cap Value | Add +6.6% | 0.22% | +0.01 |
| SCHW Schwab (charles) Corp. | Add +0.0% | 0.13% | −0.00 |
| VIG Vanguard Dividend Apprec ETF | Add +0.1% | 0.23% | −0.00 |
| VTV Vanguard Mrngstr Val ETF-Aui | Add +0.6% | 0.76% | −0.00 |
| JNK SS SPDR BB High Yield Bond | Add +0.8% | 0.13% | −0.01 |
| LQD Ishr Ibx Usd Invgd CB ETF-Ui | Add +1.0% | 0.26% | −0.01 |
| DIS The Walt Disney Co. | Add +0.3% | 0.12% | −0.02 |
| IJH iShares Core S&P Midcap ETF | Add +0.6% | 14.36% | −0.11 |
| VCSH Vanguard S/T Corp. Bond ETF | Add +2.5% | 3.74% | −0.13 |
All Filings
| Quarter | Positions | 13F Reported Value | Top Holdings |
|---|---|---|---|
| Q2 2026 | 40 | $211.2M | VB, SPYG, IJH, VO, CGGR |
| Q1 2026 | 36 | $183.7M | VB, SPYG, IJH, VO, VCSH |
| Q4 2025 | 37 | $186.3M | VB, SPYG, IJH, VO, CGGR |
| Q3 2025 | 37 | $185.1M | VB, SPYG, IJH, VO, CGGR |
| Q2 2025 | 37 | $173.6M | VB, SPYG, IJH, VO, CGGR |
| Q1 2025 | 34 | $154.0M | VB, SPYG, IJH, VO, CGGR |
| Q4 2024 | 33 | $162.2M | VB, SPYG, IJH, VO, CGGR |
| Q3 2024 | 33 | $157.9M | VB, SPYG, IJH, VO, CGGR |
| Q2 2024 | 33 | $148.9M | VB, SPYG, IJH, VO, CGGR |
| Q1 2024 | 33 | $145.9M | VB, SPYG, IJH, VO, CGGR |