Obsidian Personal Planning Solutions LLC

In its 13F for Q4 2024 (holdings as of December 31, 2024, filed February 14, 2025), Obsidian Personal Planning Solutions LLC reported 105 stock positions worth $207.3 million. Its top holding was SS SPDR P Int C Corp. ETF (SPIB) at 11.9% of the portfolio, followed by Vanguard Mrngstr Val ETF-Aui (VTV, 8.2%) and iShares Core S&P Small-Cap E (IJR, 7.5%). Compared with Q3 2024, it opened 6 new positions, sold out of 2, added to 38 and reduced 25. The biggest buy was Cap Group Growth Equity (CGGR, shares +6%) and the biggest sale Schwab US DVD Equity ETF (SCHD, shares −65%).

Most Recent 13F
Q3 2025
Location
ROCKVILLE, MD
CIK
0001909128
Portfolio Value
$207.3M (Q4 2024)
SEC Filing
0001986152-25-000024 ↗ filed Feb 14, 2025

Holdings Value

0$100.0M$200.0M$300.0M Q1 2024: $152.3M Q1 2024 Q2 2024: $163.8M Q2 2024 Q3 2024: $191.3M Q3 2024 Q4 2024: $207.3M $207.3M Q4 2024 Q1 2025: $223.9M Q1 2025 Q2 2025: $247.1M Q2 2025 Q3 2025: $288.0M Q3 2025

Holdings 105 stocks · $207.3M
SPIB SS SPDR P Int C Corp. ETF 11.89% 748,091 $24.6M Add +3.5%
VTV Vanguard Mrngstr Val ETF-Aui 8.21% 96,312 $17.0M Add +4.7%
IJR iShares Core S&P Small-Cap E 7.50% 131,278 $15.5M Add +8.6%
SPDW Ste STR SPDR PT DW Eu ETF 4.20% 244,235 $8.7M Add +7.6%
SPYG SS SPDR P S&P 500 Growth ETF 4.16% 95,484 $8.6M Add +4.7%
VMBS Vanguard Mortgage-Backed Sec 4.09% 186,101 $8.5M Add +8.7%
CGGR Cap Group Growth Equity 4.00% 210,771 $8.3M Add +5.8%
XMLV Invesco S&P Midcap Low Volat 3.72% 124,478 $7.7M Add +3.3%
FLOT iShares Floating Rate Bond E 3.53% 143,056 $7.3M Add +5.1%
EFG iShares MSCI Eafe Growth ETF 3.52% 71,743 $7.3M Add +9.0%
CIBR First Trust Nasdaq Cybersecu 3.44% 105,465 $7.1M Add +3.9%
SCHD Schwab US DVD Equity ETF 3.27% 243,742 $6.8M Reduce -64.9%
XAR SS SPDR S&P Aerospace Def 3.08% 36,341 $6.4M Add +4.5%
SPEM State Street SP PTF Em ETF 2.67% 142,746 $5.5M Add +6.5%
PRF Invesco Rafi US 1000 ETF 2.61% 128,609 $5.4M Add +3.5%
MDYG SS SPDR S&P 400 MC GR ETF 2.44% 56,167 $5.1M Add +9.3%
RSPM Invesco S&P 500 Equal Weight 2.30% 139,321 $4.8M Add +0.8%
AAPL Apple Inc. 2.01% 17,652 $4.2M Reduce -1.6%
XLB SS Materials Select Sector 1.69% 39,337 $3.5M Add +7.5%
JMUB JPMorgan Municipal ETF 1.62% 66,771 $3.4M Add +6.6%
MEAR Ishrs Short Mat Muni Act ETF 1.59% 65,621 $3.3M Add +4.5%
VUG Vanguard Mrngstar GR ETF-Sui 1.27% 6,297 $2.6M Reduce -3.8%
MSFT Microsoft Corp. 1.02% 5,087 $2.1M Reduce -4.1%
VEA Vanguard Ftse Developed ETF 0.75% 31,003 $1.5M Reduce -1.9%
IBM Intl Business Machines Corp. filed as INTERNATIONAL BUSINESS MACHS 0.75% 6,047 $1.5M Add +1.1%
AMZN Amazon.com Inc. 0.60% 5,220 $1.2M Add +7.4%
COST Costco Wholesale Corp. 0.50% 1,062 $1.0M Reduce -4.2%
PEP Pepsico Inc. 0.41% 5,591 $842K Add +0.0%
VWO Vanguard Ftse Emerging Marke 0.40% 18,774 $834K Reduce -0.9%
VOO Vanguard S&P 500 ETF 0.40% 1,503 $832K Add +95.7%
BRK.B Berkshire Hathaway Inc. Class B 0.34% 1,524 $714K Add +0.5%
JPM JPMorgan Chase & Co. 0.33% 2,540 $679K Reduce -1.6%
META Meta Platforms Inc. Class A 0.33% 985 $679K Reduce -0.1%
GOOGL Alphabet Inc. Class A 0.32% 3,250 $663K Add +0.7%
V Visa Inc. Class A 0.29% 1,763 $602K Add +0.7%
CAT Caterpillar Inc. 0.29% 1,620 $602K Add +4.7%
MAR Marriott International Class A 0.28% 2,019 $587K Add +2.2%
XLK SS Technology Select Sector 0.28% 2,470 $570K No change
UNP Union Pacific Corp. 0.26% 2,165 $537K No change
TXN Texas Instruments Inc. 0.25% 2,790 $515K No change
IWR iShares Russell Mid-Cap ETF 0.25% 5,585 $514K New
RTX RTX Corp. 0.25% 3,952 $510K No change
MCD McDonald's Corp. 0.24% 1,694 $489K Reduce -0.9%
IVV iShares Core S&P 500 ETF 0.23% 801 $484K Add +23.4%
VYM Vanguard High DVD Yield ETF 0.23% 3,614 $478K No change
HON Honeywell International Inc. 0.23% 2,126 $476K Reduce -6.2%
GOOG Alphabet Inc. Class C 0.21% 2,162 $445K Reduce -1.1%
BX Blackstone Inc. 0.21% 2,500 $443K No change
DHR Danaher Corp. 0.21% 1,953 $435K Reduce -4.2%
BAC Bank of America Corp. filed as BANK AMERICA CORP 0.21% 9,264 $429K Reduce -0.1%
CAMT Camtek Ltd. 0.20% 4,377 $414K No change
VB Vanguard Most SM-Cap ETF-Usd 0.20% 1,647 $411K Reduce -0.8%
VOT Vngrd Mrngstr MC GRW ETF-Usd 0.19% 1,494 $404K No change
CGDV Cap Group Dividend Value filed as CAPITAL GROUP DIVIDEND VALUE 0.18% 10,175 $374K Add +10.4%
VBR Vngrd Mrngst SL-CP Val ETF-U 0.17% 1,748 $359K No change
PG The Procter & Gamble Co. 0.17% 2,080 $345K Reduce -32.4%
JNJ Johnson & Johnson 0.16% 2,232 $340K No change
DGRW Wisdomtree U.S. Quality Divi 0.16% 4,037 $336K No change
VO Vngrd Mrngstr MD-Cap ETF-Usd 0.16% 1,211 $334K No change
AXP American Express Co. 0.16% 1,046 $332K Reduce -0.1%
ABBV Abbvie Inc. 0.16% 1,755 $323K Reduce -2.2%
WM Waste Management Inc. 0.15% 1,450 $319K No change
MINT PIMCO Enhanced Short Maturit 0.15% 3,086 $311K No change
AFL Aflac Inc. 0.15% 2,848 $306K Add +0.1%
AVGO Broadcom Inc. 0.14% 1,303 $288K Add +1.1%
HD Home Depot Inc. 0.14% 696 $287K Reduce -0.4%
CSCO Cisco Systems Inc. 0.14% 4,706 $285K No change
VBK Van Morst SML-Cap Gro-Usd Inc. 0.13% 953 $278K No change
ITA iShares U.S. Aerospace & Def 0.13% 1,761 $276K No change
MRK Merck & Co. Inc. 0.13% 2,763 $273K Add +4.5%
MA Mastercard Inc. Class A 0.13% 484 $269K Add +12.6%
T AT&T Inc. 0.13% 11,217 $266K Add +3.0%
XLC SS Comm Select Sector SPDR 0.13% 2,584 $265K No change
CSX CSX Corp. 0.13% 7,911 $260K No change
XLU St Sr Utl SL SE SPDR ETF-Usd 0.12% 3,275 $255K No change
VOOV Vanguard S&P 500 Value ETF 0.12% 1,342 $255K Add +14.2%
DE Deere & Co. 0.12% 532 $254K No change
VXUS Vanguard Total Intl Stock 0.12% 4,159 $253K No change
BNY Bank of New York Mellon Corp. filed as BANK NEW YORK MELLON CORP 0.12% 2,946 $253K Reduce -0.5%
DTD Wisdomtree US Total Dividend 0.12% 3,217 $252K No change
NVDA Nvidia Corp. 0.12% 2,098 $252K Add +7.2%
DFS Discover Financial Services 0.12% 1,241 $250K New
MCK McKesson Corp. 0.12% 414 $246K No change
MUB iShares National Muni Bond E 0.12% 2,310 $246K No change
YUM Yum! Brands Inc. 0.12% 1,881 $245K No change
TMUS T-Mobile US Inc. 0.12% 1,052 $245K Reduce -0.1%
DDWM Wisdomtree DY Inter Eq FD-US 0.12% 6,825 $244K No change
DUK Duke Energy Corp. 0.12% 2,154 $241K No change
VOOG Vanguard S&P 500 Growth ETF 0.11% 615 $231K No change
IVE iShares S&P 500 Value ETF 0.11% 1,161 $228K No change
SHW The Sherwin-Williams Co. 0.11% 631 $226K No change
VZ Verizon Communications Inc. 0.11% 5,716 $225K Reduce -5.8%
TJX TJX Companies Inc. filed as TJX COS INC NEW 0.11% 1,782 $222K Reduce -0.2%
SPSB SS SPDR P St C Corp. ETF 0.11% 7,375 $221K New
WMT Walmart Inc. 0.11% 2,235 $219K New
PGR Progressive Corp. 0.10% 883 $218K No change
COR Cencora Inc. 0.10% 854 $217K New
LRCX Lam Research Corp. 0.10% 2,668 $216K New
AGGY Wisdomtree Yield Enhanced US 0.10% 4,924 $211K No change
LIN Linde PLC 0.10% 473 $211K No change
ESGU iShares ESG Aware MSCI USA 0.10% 1,562 $207K Reduce -3.3%
AON Aon PLC Class A 0.10% 555 $206K No change
CVX Chevron Corp. 0.10% 1,376 $205K Reduce -16.6%
VCSH Vanguard S/T Corp. Bond ETF 0.10% 2,601 $204K No change
BSV Vanguard Short-Term Bond ETF 0.10% 2,614 $203K Add +1.2%

Portfolio Sells Q3 2024 → Q4 2024
SCHD Schwab US DVD Equity ETF Reduce -64.9% 3.27% −0.15
AMAT Applied Materials Inc. Sold out 0.00% −0.12
AAPL Apple Inc. Reduce -1.6% 2.01% −0.11
MSFT Microsoft Corp. Reduce -4.1% 1.02% −0.11
LMT Lockheed Martin Corp. Sold out 0.00% −0.10
PG The Procter & Gamble Co. Reduce -32.4% 0.17% −0.10
VEA Vanguard Ftse Developed ETF Reduce -1.9% 0.75% −0.08
VWO Vanguard Ftse Emerging Marke Reduce -0.9% 0.40% −0.06
DHR Danaher Corp. Reduce -4.2% 0.21% −0.05
VUG Vanguard Mrngstar GR ETF-Sui Reduce -3.8% 1.27% −0.04
ABBV Abbvie Inc. Reduce -2.2% 0.16% −0.04
CVX Chevron Corp. Reduce -16.6% 0.10% −0.03
MCD McDonald's Corp. Reduce -0.9% 0.24% −0.03
VZ Verizon Communications Inc. Reduce -5.8% 0.11% −0.02
HON Honeywell International Inc. Reduce -6.2% 0.23% −0.01
VB Vanguard Most SM-Cap ETF-Usd Reduce -0.8% 0.20% −0.01
HD Home Depot Inc. Reduce -0.4% 0.14% −0.01
ESGU iShares ESG Aware MSCI USA Reduce -3.3% 0.10% −0.01
COST Costco Wholesale Corp. Reduce -4.2% 0.50% −0.00
TMUS T-Mobile US Inc. Reduce -0.1% 0.12% −0.00
TJX TJX Companies Inc. Reduce -0.2% 0.11% +0.00
BAC Bank of America Corp. Reduce -0.1% 0.21% +0.00
BNY Bank of New York Mellon Corp. Reduce -0.5% 0.12% +0.01
AXP American Express Co. Reduce -0.1% 0.16% +0.01
GOOG Alphabet Inc. Class C Reduce -1.1% 0.21% +0.02
JPM JPMorgan Chase & Co. Reduce -1.6% 0.33% +0.03
META Meta Platforms Inc. Class A Reduce -0.1% 0.33% +0.04

Portfolio Buys Q3 2024 → Q4 2024
CGGR Cap Group Growth Equity Add +5.8% 4.00% +0.37
IJR iShares Core S&P Small-Cap E Add +8.6% 7.50% +0.30
XAR SS SPDR S&P Aerospace Def Add +4.5% 3.08% +0.28
CIBR First Trust Nasdaq Cybersecu Add +3.9% 3.44% +0.25
IWR iShares Russell Mid-Cap ETF New 0.25% +0.25
SPYG SS SPDR P S&P 500 Growth ETF Add +4.7% 4.16% +0.23
VOO Vanguard S&P 500 ETF Add +95.7% 0.40% +0.19
AMZN Amazon.com Inc. Add +7.4% 0.60% +0.13
DFS Discover Financial Services New 0.12% +0.12
MDYG SS SPDR S&P 400 MC GR ETF Add +9.3% 2.44% +0.11
SPSB SS SPDR P St C Corp. ETF New 0.11% +0.11
WMT Walmart Inc. New 0.11% +0.11
COR Cencora Inc. New 0.10% +0.10
LRCX Lam Research Corp. New 0.10% +0.10
IBM Intl Business Machines Corp. Add +1.1% 0.75% +0.10
EFG iShares MSCI Eafe Growth ETF Add +9.0% 3.52% +0.05
IVV iShares Core S&P 500 ETF Add +23.4% 0.23% +0.04
GOOGL Alphabet Inc. Class A Add +0.7% 0.32% +0.03
V Visa Inc. Class A Add +0.7% 0.29% +0.03
AVGO Broadcom Inc. Add +1.1% 0.14% +0.02
MA Mastercard Inc. Class A Add +12.6% 0.13% +0.02
MAR Marriott International Class A Add +2.2% 0.28% +0.01
VOOV Vanguard S&P 500 Value ETF Add +14.2% 0.12% +0.01
CGDV Cap Group Dividend Value Add +10.4% 0.18% +0.01
T AT&T Inc. Add +3.0% 0.13% +0.00
VMBS Vanguard Mortgage-Backed Sec Add +8.7% 4.09% −0.01
BSV Vanguard Short-Term Bond ETF Add +1.2% 0.10% −0.01
AFL Aflac Inc. Add +0.1% 0.15% −0.01
PRF Invesco Rafi US 1000 ETF Add +3.5% 2.61% −0.01
MRK Merck & Co. Inc. Add +4.5% 0.13% −0.01
BRK.B Berkshire Hathaway Inc. Class B Add +0.5% 0.34% −0.01
CAT Caterpillar Inc. Add +4.7% 0.29% −0.01
NVDA Nvidia Corp. Add +7.2% 0.12% −0.01
JMUB JPMorgan Municipal ETF Add +6.6% 1.62% −0.03
SPDW Ste STR SPDR PT DW Eu ETF Add +7.6% 4.20% −0.04
MEAR Ishrs Short Mat Muni Act ETF Add +4.5% 1.59% −0.06
VTV Vanguard Mrngstr Val ETF-Aui Add +4.7% 8.21% −0.07
PEP Pepsico Inc. Add +0.0% 0.41% −0.08
XLB SS Materials Select Sector Add +7.5% 1.69% −0.10
FLOT iShares Floating Rate Bond E Add +5.1% 3.53% −0.10
XMLV Invesco S&P Midcap Low Volat Add +3.3% 3.72% −0.13
SPEM State Street SP PTF Em ETF Add +6.5% 2.67% −0.15
RSPM Invesco S&P 500 Equal Weight Add +0.8% 2.30% −0.34
SPIB SS SPDR P Int C Corp. ETF Add +3.5% 11.89% −0.60

All Filings

QuarterPositions13F Reported ValueTop Holdings
Q3 2025 119$288.0MIBTH, SPIB, IJR, VTV, JPIE
Q2 2025 113$247.1MSPIB, IJR, VTV, JPIE, SCHD
Q1 2025 105$223.9MSPIB, IJR, VTV, JPIE, SCHD
Q4 2024 105$207.3MSPIB, VTV, IJR, SPDW, SPYG
Q3 2024 101$191.3MSPIB, VTV, IJR, SPDW, VMBS
Q2 2024 97$163.8MVTV, IJR, SPSB, SPIB, SPDW
Q1 2024 99$152.3MVTV, IJR, SPSB, SPIB, SPDW