Investments & Financial Planning, LLC
In its 13F for Q4 2025 (holdings as of December 31, 2025, filed February 23, 2026), Investments & Financial Planning, LLC reported 37 stock positions worth $186.3 million. Its top holding was Vanguard Most SM-Cap ETF-Usd (VB) at 20.7% of the portfolio, followed by SS SPDR P S&P 500 Growth ETF (SPYG, 20.6%) and iShares Core S&P Midcap ETF (IJH, 14.3%). Compared with Q3 2025, it opened 1 new position, sold out of 1, added to 8 and reduced 22. The biggest buy was Vanguard S/T Corp. Bond ETF (VCSH, shares +57%) and the biggest sale Vngrd Mrngstr MD-Cap ETF-Usd (VO, shares −2%).
- Most Recent 13F
- Q2 2026
- Location
- LEXINGTON, KY
- CIK
- 0001909307
- Portfolio Value
- $186.3M (Q4 2025)
- SEC Filing
- 0001909307-26-000002 ↗ filed Feb 23, 2026
Holdings Value
Holdings 37 stocks · $186.3M
| VB Vanguard Most SM-Cap ETF-Usd | 20.73% | 149,742 | $38.6M | Reduce -2.0% |
| SPYG SS SPDR P S&P 500 Growth ETF | 20.58% | 359,459 | $38.4M | Reduce -2.8% |
| IJH iShares Core S&P Midcap ETF | 14.34% | 404,791 | $26.7M | Reduce -0.6% |
| VO Vngrd Mrngstr MD-Cap ETF-Usd | 8.92% | 57,285 | $16.6M | Reduce -2.3% |
| CGGR Cap Group Growth Equity | 5.97% | 250,356 | $11.1M | Reduce -5.7% |
| VCSH Vanguard S/T Corp. Bond ETF | 5.83% | 136,284 | $10.9M | Add +57.3% |
| URTH iShares MSCI World ETF | 5.42% | 54,335 | $10.1M | Reduce -1.1% |
| VT Vanguard Tot World STK ETF | 4.10% | 54,138 | $7.6M | Reduce -10.0% |
| NVDA Nvidia Corp. | 2.43% | 24,280 | $4.5M | Add +0.2% |
| BIV Vanguard Intermediate-Term B | 1.92% | 45,926 | $3.6M | Add +4.3% |
| SHYG iShares 0-5 YR HY Corp. Bond | 1.37% | 59,389 | $2.5M | Add +12.7% |
| TSLA Tesla Inc. | 1.34% | 5,557 | $2.5M | No change |
| VUG Vanguard Mrngstar GR ETF-Sui | 0.94% | 3,583 | $1.7M | Reduce -9.4% |
| MUB iShares National Muni Bond E | 0.51% | 8,879 | $951K | Add +5.1% |
| BNDX Vanguard Total Intl Bond ETF | 0.51% | 19,515 | $943K | Reduce -14.8% |
| VTV Vanguard Mrngstr Val ETF-Aui | 0.49% | 4,736 | $904K | Reduce -37.2% |
| SPYM Ste STR SPDR PT S&P 500 ETF | 0.44% | 10,335 | $829K | Reduce -9.9% |
| AAPL Apple Inc. | 0.43% | 2,976 | $809K | No change |
| SPYV SS SPDR P S&P 500 Value ETF | 0.31% | 10,234 | $581K | Reduce -10.2% |
| VWOB Vanguard Emerg MKTS Gov BND | 0.30% | 8,312 | $560K | Reduce -25.2% |
| SCHV Schwab US Large-Cap Value | 0.28% | 17,612 | $522K | Add +26.9% |
| VOE Vngrd Mrngstr MD-Cap Val ETF | 0.26% | 2,682 | $476K | Reduce -0.5% |
| SPAB SS SPDR P Agg Bond ETF | 0.25% | 18,133 | $467K | Add +10.7% |
| AMZN Amazon.com Inc. | 0.23% | 1,859 | $429K | Reduce -2.6% |
| SUB iShares Short-Term National | 0.23% | 3,957 | $422K | Reduce -0.8% |
| LQD Ishr Ibx Usd Invgd CB ETF-Ui | 0.23% | 3,817 | $421K | Reduce -11.6% |
| SPDW Ste STR SPDR PT DW Eu ETF | 0.22% | 9,043 | $402K | Reduce -6.8% |
| VBR Vngrd Mrngst SL-CP Val ETF-U | 0.21% | 1,847 | $391K | Reduce -1.6% |
| SCHG Schwab US Large-Cap Growth | 0.21% | 11,886 | $388K | Add +28.0% |
| MSFT Microsoft Corp. | 0.16% | 633 | $306K | No change |
| BA The Boeing Co. | 0.14% | 1,191 | $259K | No change |
| SCHW Schwab (charles) Corp. | 0.13% | 2,500 | $250K | Reduce -1.9% |
| JNK SS SPDR BB High Yield Bond | 0.12% | 2,287 | $222K | Reduce -7.6% |
| GOOGL Alphabet Inc. Class A | 0.12% | 707 | $221K | New |
| DIS The Walt Disney Co. filed as DISNEY WALT CO | 0.12% | 1,931 | $220K | No change |
| UNH Unitedhealth Group Inc. | 0.11% | 642 | $212K | No change |
| SPEM State Street SP PTF Em ETF | 0.11% | 4,355 | $204K | Reduce -4.4% |
Portfolio Sells Q3 2025 → Q4 2025
| VO Vngrd Mrngstr MD-Cap ETF-Usd | Reduce -2.3% | 8.92% | −0.38 |
| VT Vanguard Tot World STK ETF | Reduce -10.0% | 4.10% | −0.38 |
| CGGR Cap Group Growth Equity | Reduce -5.7% | 5.97% | −0.33 |
| SPYG SS SPDR P S&P 500 Growth ETF | Reduce -2.8% | 20.58% | −0.30 |
| VTV Vanguard Mrngstr Val ETF-Aui | Reduce -37.2% | 0.49% | −0.27 |
| VB Vanguard Most SM-Cap ETF-Usd | Reduce -2.0% | 20.73% | −0.26 |
| VIG Vanguard Dividend Apprec ETF | Sold out | 0.00% | −0.23 |
| BNDX Vanguard Total Intl Bond ETF | Reduce -14.8% | 0.51% | −0.11 |
| VWOB Vanguard Emerg MKTS Gov BND | Reduce -25.2% | 0.30% | −0.10 |
| VUG Vanguard Mrngstar GR ETF-Sui | Reduce -9.4% | 0.94% | −0.09 |
| SPYM Ste STR SPDR PT S&P 500 ETF | Reduce -9.9% | 0.44% | −0.04 |
| LQD Ishr Ibx Usd Invgd CB ETF-Ui | Reduce -11.6% | 0.23% | −0.03 |
| SPYV SS SPDR P S&P 500 Value ETF | Reduce -10.2% | 0.31% | −0.03 |
| IJH iShares Core S&P Midcap ETF | Reduce -0.6% | 14.34% | −0.02 |
| JNK SS SPDR BB High Yield Bond | Reduce -7.6% | 0.12% | −0.01 |
| SPDW Ste STR SPDR PT DW Eu ETF | Reduce -6.8% | 0.22% | −0.01 |
| SPEM State Street SP PTF Em ETF | Reduce -4.4% | 0.11% | −0.01 |
| SUB iShares Short-Term National | Reduce -0.8% | 0.23% | −0.00 |
| VBR Vngrd Mrngst SL-CP Val ETF-U | Reduce -1.6% | 0.21% | −0.00 |
| VOE Vngrd Mrngstr MD-Cap Val ETF | Reduce -0.5% | 0.26% | +0.00 |
| SCHW Schwab (charles) Corp. | Reduce -1.9% | 0.13% | +0.00 |
| AMZN Amazon.com Inc. | Reduce -2.6% | 0.23% | +0.00 |
| URTH iShares MSCI World ETF | Reduce -1.1% | 5.42% | +0.03 |
Portfolio Buys Q3 2025 → Q4 2025
| VCSH Vanguard S/T Corp. Bond ETF | Add +57.3% | 5.83% | +2.09 |
| SHYG iShares 0-5 YR HY Corp. Bond | Add +12.7% | 1.37% | +0.13 |
| GOOGL Alphabet Inc. Class A | New | 0.12% | +0.12 |
| BIV Vanguard Intermediate-Term B | Add +4.3% | 1.92% | +0.06 |
| SCHV Schwab US Large-Cap Value | Add +26.9% | 0.28% | +0.06 |
| SCHG Schwab US Large-Cap Growth | Add +28.0% | 0.21% | +0.05 |
| MUB iShares National Muni Bond E | Add +5.1% | 0.51% | +0.02 |
| SPAB SS SPDR P Agg Bond ETF | Add +10.7% | 0.25% | +0.02 |
| NVDA Nvidia Corp. | Add +0.2% | 2.43% | −0.01 |
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 |