Obsidian Personal Planning Solutions LLC

In its 13F for Q3 2025 (holdings as of September 30, 2025, filed November 13, 2025), Obsidian Personal Planning Solutions LLC reported 119 stock positions worth $288.0 million. Its top holding was iShares Ibonds Dec 2027 Term (IBTH) at 9.2% of the portfolio, followed by SS SPDR P Int C Corp. ETF (SPIB, 7.9%) and iShares Core S&P Small-Cap E (IJR, 5.8%). Compared with Q2 2025, it opened 9 new positions, sold out of 3, added to 47 and reduced 28. The biggest buy was iShares Ibonds Dec 2027 Term (IBTH, shares +226%) and the biggest sale Invesco S&P 500 Equal Weight (RSPM, shares −3%).

Most Recent 13F
Q3 2025
Location
ROCKVILLE, MD
CIK
0001909128
Portfolio Value
$288.0M (Q3 2025)
SEC Filing
0001986152-25-000104 ↗ filed Nov 13, 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 Q4 2024 Q1 2025: $223.9M Q1 2025 Q2 2025: $247.1M Q2 2025 Q3 2025: $288.0M $288.0M Q3 2025

Holdings 119 stocks · $288.0M
IBTH iShares Ibonds Dec 2027 Term 9.21% 1,178,521 $26.5M Add +225.6%
SPIB SS SPDR P Int C Corp. ETF 7.86% 667,870 $22.6M Add +1.2%
IJR iShares Core S&P Small-Cap E 5.83% 142,417 $16.8M Add +1.9%
VTV Vanguard Mrngstr Val ETF-Aui 5.40% 83,774 $15.6M Add +2.6%
JPIE JPMorgan Income ETF 4.81% 298,749 $13.9M Add +3.8%
SCHD Schwab US DVD Equity ETF 4.26% 458,722 $12.3M Add +6.3%
SPDW Ste STR SPDR PT DW Eu ETF 4.21% 278,664 $12.1M Add +3.5%
SPYG SS SPDR P S&P 500 Growth ETF 3.84% 102,330 $11.1M Add +2.5%
EFG iShares MSCI Eafe Growth ETF 3.78% 94,155 $10.9M Add +5.0%
CGGR Cap Group Growth Equity 3.70% 237,737 $10.7M Add +4.8%
XAR SS SPDR S&P Aerospace Def 3.58% 41,467 $10.3M Reduce -0.0%
VMBS Vanguard Mortgage-Backed Sec 3.15% 192,080 $9.1M Add +2.6%
CIBR First Trust Nasdaq Cybersecu 3.06% 114,079 $8.8M Add +2.0%
XMLV Invesco S&P Midcap Low Volat 2.75% 128,079 $7.9M Add +2.6%
FLOT iShares Floating Rate Bond E 2.75% 154,849 $7.9M Add +3.0%
MDYG SS SPDR S&P 400 MC GR ETF 2.42% 76,012 $7.0M Add +3.6%
SPEM State Street SP PTF Em ETF 2.22% 134,409 $6.4M Add +1.3%
AAPL Apple Inc. 1.68% 17,904 $4.8M Add +0.8%
VHT Vanguard Health Care ETF 1.67% 17,744 $4.8M Add +3.0%
XLE SS Energy Select Sector 1.58% 51,751 $4.6M Add +8.6%
JMUB JPMorgan Municipal ETF 1.34% 76,129 $3.9M Add +10.4%
XLB SS Materials Select Sector 1.28% 43,159 $3.7M Add +7.2%
MEAR Ishrs Short Mat Muni Act ETF 1.20% 68,447 $3.5M Add +3.2%
XLF SS Financial Select Sector 1.11% 61,133 $3.2M Add +8.4%
MSFT Microsoft Corp. 1.04% 5,789 $3.0M Add +14.4%
VUG Vanguard Mrngstar GR ETF-Sui 1.03% 5,925 $3.0M Reduce -3.5%
RSPM Invesco S&P 500 Equal Weight 0.67% 60,537 $1.9M Reduce -3.2%
VEA Vanguard Ftse Developed ETF 0.65% 30,750 $1.9M Reduce -0.5%
IBM Intl Business Machines Corp. filed as INTERNATIONAL BUSINESS MACHS 0.63% 5,898 $1.8M No change
AMZN Amazon.com Inc. 0.53% 6,290 $1.5M Add +5.9%
VOO Vanguard S&P 500 ETF 0.53% 2,412 $1.5M Reduce -1.7%
PRF Invesco Rafi US 1000 ETF 0.45% 28,269 $1.3M Reduce -4.5%
CAT Caterpillar Inc. 0.34% 1,705 $984K Reduce -1.2%
COST Costco Wholesale Corp. 0.34% 1,060 $966K No change
VWO Vanguard Ftse Emerging Marke 0.33% 17,475 $961K Reduce -1.3%
GOOGL Alphabet Inc. Class A 0.29% 2,978 $837K Add +6.0%
PEP Pepsico Inc. 0.28% 5,516 $806K Add +1.5%
JPM JPMorgan Chase & Co. 0.28% 2,575 $801K Add +1.4%
XLK SS Technology Select Sector 0.27% 2,618 $787K Reduce -0.5%
RTX RTX Corp. 0.27% 4,385 $783K Add +11.0%
META Meta Platforms Inc. Class A 0.25% 1,126 $730K Add +4.0%
BRK.B Berkshire Hathaway Inc. Class B 0.24% 1,438 $687K Reduce -4.5%
V Visa Inc. Class A 0.22% 1,823 $621K Add +4.3%
GOOG Alphabet Inc. Class C 0.21% 2,146 $605K Add +0.7%
VYM Vanguard High DVD Yield ETF 0.20% 4,179 $587K No change
MAR Marriott International Class A 0.19% 2,135 $556K Add +89.6%
CSX CSX Corp. 0.19% 15,021 $541K No change
BAC Bank of America Corp. filed as BANK AMERICA CORP 0.18% 9,959 $532K Add +9.5%
JNJ Johnson & Johnson 0.18% 2,783 $526K Add +26.1%
IVV iShares Core S&P 500 ETF 0.18% 758 $519K No change
CGDV Cap Group Dividend Value filed as CAPITAL GROUP DIVIDEND VALUE 0.18% 11,924 $509K Add +4.2%
AVGO Broadcom Inc. 0.17% 1,305 $482K Add +2.6%
CAMT Camtek Ltd. 0.17% 3,878 $480K Reduce -3.0%
MCD McDonald's Corp. 0.16% 1,586 $473K Reduce -6.5%
TXN Texas Instruments Inc. 0.16% 2,790 $450K No change
UNP Union Pacific Corp. 0.15% 1,996 $440K Reduce -7.9%
VOT Vngrd Mrngstr MC GRW ETF-Usd 0.15% 1,494 $436K No change
LRCX Lam Research Corp. 0.15% 2,711 $427K Reduce -0.1%
VB Vanguard Most SM-Cap ETF-Usd 0.15% 1,647 $420K No change
XOM Exxon Mobil Corp. 0.14% 3,644 $417K New
DHR Danaher Corp. 0.14% 1,931 $416K Reduce -1.1%
HON Honeywell International Inc. 0.14% 2,054 $414K No change
ABBV Abbvie Inc. 0.14% 1,877 $409K Add +7.4%
VXUS Vanguard Total Intl Stock 0.14% 5,396 $403K No change
ITA iShares U.S. Aerospace & Def 0.13% 1,761 $380K No change
AXP American Express Co. 0.13% 1,045 $377K No change
DGRW Wisdomtree U.S. Quality Divi 0.13% 4,222 $376K No change
BX Blackstone Inc. 0.13% 2,515 $369K Add +0.6%
MA Mastercard Inc. Class A 0.13% 666 $368K Reduce -2.6%
CSCO Cisco Systems Inc. 0.13% 4,955 $362K Add +5.3%
VBR Vngrd Mrngst SL-CP Val ETF-U 0.12% 1,726 $356K Add +0.3%
MCK McKesson Corp. 0.12% 426 $346K Add +2.9%
VO Vngrd Mrngstr MD-Cap ETF-Usd 0.12% 1,177 $342K No change
DTD Wisdomtree US Total Dividend 0.12% 3,978 $332K No change
NVDA Nvidia Corp. 0.11% 1,571 $318K Add +11.5%
BNY Bank of New York Mellon Corp. filed as BANK NEW YORK MELLON CORP 0.11% 2,938 $317K Reduce -0.1%
MINT PIMCO Enhanced Short Maturit 0.11% 3,086 $311K No change
PG The Procter & Gamble Co. 0.11% 2,056 $309K Reduce -0.6%
XLC SS Comm Select Sector SPDR 0.10% 2,584 $297K No change
XLU St Sr Utl SL SE SPDR ETF-Usd 0.10% 3,275 $292K No change
IWR iShares Russell Mid-Cap ETF 0.10% 3,015 $289K No change
COR Cencora Inc. 0.10% 854 $288K No change
WM Waste Management Inc. 0.10% 1,441 $288K No change
T AT&T Inc. 0.10% 11,445 $283K Add +8.6%
COF Capital One Financial Corp. 0.10% 1,275 $281K No change
VOOG Vanguard S&P 500 Growth ETF 0.10% 615 $277K No change
HD Home Depot Inc. 0.09% 710 $270K Add +5.2%
DUK Duke Energy Corp. 0.09% 2,154 $268K No change
VBK Van Morst SML-Cap Gro-Usd Inc. 0.09% 870 $264K Reduce -2.3%
BLK BlackRock Inc. 0.09% 244 $264K New
AFL Aflac Inc. 0.09% 2,440 $262K Reduce -14.4%
LYFT LYFT Inc. Class A 0.09% 12,619 $258K New
IAU iShares Gold Trust 0.09% 3,382 $255K No change
VGT Vanguard Info Tech ETF 0.09% 321 $255K No change
VLO Valero Energy Corp. 0.09% 1,500 $254K No change
DE Deere & Co. 0.09% 532 $246K No change
GLD SPDR Gold Shares 0.09% 665 $245K New
TFC Truist Financial Corp. 0.08% 5,447 $243K New
TJX TJX Companies Inc. filed as TJX COS INC NEW 0.08% 1,734 $243K Reduce -0.1%
AGGY Wisdomtree Yield Enhanced US 0.08% 5,364 $237K No change
VOOV Vanguard S&P 500 Value ETF 0.08% 1,175 $237K Reduce -9.1%
YUM Yum! Brands Inc. 0.08% 1,714 $237K No change
VOE Vngrd Mrngstr MD-Cap Val ETF 0.08% 1,359 $234K No change
MRK Merck & Co. Inc. 0.08% 2,718 $234K Reduce -1.6%
WMT Walmart Inc. 0.08% 2,307 $233K Reduce -6.2%
MUB iShares National Muni Bond E 0.08% 2,168 $233K Reduce -6.2%
EUAD Select Stoxx Eur Aer DE ETF 0.08% 5,234 $232K New
VCSH Vanguard S/T Corp. Bond ETF 0.08% 2,851 $228K Add +9.6%
TMUS T-Mobile US Inc. 0.08% 1,072 $225K Add +2.1%
MARM Ftvestus Max Buff ETF March 0.08% 6,741 $221K No change
DDWM Wisdomtree DY Inter Eq FD-US 0.08% 5,252 $220K Reduce -3.1%
SHW The Sherwin-Williams Co. 0.08% 631 $218K No change
HEDJ Wisdomtree Europe Hedged Equ 0.07% 4,175 $216K No change
AGG iShares Core U.S. Aggregate 0.07% 2,114 $213K New
IVW iShares S&P 500 Growth ETF 0.07% 1,678 $209K New
SHOP Shopify Inc. Class A 0.07% 1,190 $207K New
BSV Vanguard Short-Term Bond ETF 0.07% 2,604 $206K No change
ESGU iShares ESG Aware MSCI USA 0.07% 1,365 $204K Reduce -10.7%
VZ Verizon Communications Inc. 0.07% 5,116 $203K Reduce -10.6%

Portfolio Sells Q2 2025 → Q3 2025
RSPM Invesco S&P 500 Equal Weight Reduce -3.2% 0.67% −0.15
PGR Progressive Corp. Sold out 0.00% −0.10
LIN Linde PLC Sold out 0.00% −0.09
BND Vanguard Total Bond Market Sold out 0.00% −0.08
VUG Vanguard Mrngstar GR ETF-Sui Reduce -3.5% 1.03% −0.06
VEA Vanguard Ftse Developed ETF Reduce -0.5% 0.65% −0.06
PRF Invesco Rafi US 1000 ETF Reduce -4.5% 0.45% −0.06
BRK.B Berkshire Hathaway Inc. Class B Reduce -4.5% 0.24% −0.06
UNP Union Pacific Corp. Reduce -7.9% 0.15% −0.05
VOO Vanguard S&P 500 ETF Reduce -1.7% 0.53% −0.04
MCD McDonald's Corp. Reduce -6.5% 0.16% −0.04
AFL Aflac Inc. Reduce -14.4% 0.09% −0.03
VZ Verizon Communications Inc. Reduce -10.6% 0.07% −0.03
MA Mastercard Inc. Class A Reduce -2.6% 0.13% −0.03
PG The Procter & Gamble Co. Reduce -0.6% 0.11% −0.03
VWO Vanguard Ftse Emerging Marke Reduce -1.3% 0.33% −0.02
MUB iShares National Muni Bond E Reduce -6.2% 0.08% −0.02
VOOV Vanguard S&P 500 Value ETF Reduce -9.1% 0.08% −0.02
WMT Walmart Inc. Reduce -6.2% 0.08% −0.02
ESGU iShares ESG Aware MSCI USA Reduce -10.7% 0.07% −0.01
DHR Danaher Corp. Reduce -1.1% 0.14% −0.01
DDWM Wisdomtree DY Inter Eq FD-US Reduce -3.1% 0.08% −0.01
VBK Van Morst SML-Cap Gro-Usd Inc. Reduce -2.3% 0.09% −0.01
MRK Merck & Co. Inc. Reduce -1.6% 0.08% −0.01
TJX TJX Companies Inc. Reduce -0.1% 0.08% −0.00
BNY Bank of New York Mellon Corp. Reduce -0.1% 0.11% +0.00
XLK SS Technology Select Sector Reduce -0.5% 0.27% +0.00
CAMT Camtek Ltd. Reduce -3.0% 0.17% +0.03
XAR SS SPDR S&P Aerospace Def Reduce -0.0% 3.58% +0.04
LRCX Lam Research Corp. Reduce -0.1% 0.15% +0.04
CAT Caterpillar Inc. Reduce -1.2% 0.34% +0.07

Portfolio Buys Q2 2025 → Q3 2025
IBTH iShares Ibonds Dec 2027 Term Add +225.6% 9.21% +5.92
AAPL Apple Inc. Add +0.8% 1.68% +0.21
XOM Exxon Mobil Corp. New 0.14% +0.14
BLK BlackRock Inc. New 0.09% +0.09
GOOGL Alphabet Inc. Class A Add +6.0% 0.29% +0.09
LYFT LYFT Inc. Class A New 0.09% +0.09
GLD SPDR Gold Shares New 0.09% +0.09
TFC Truist Financial Corp. New 0.08% +0.08
EUAD Select Stoxx Eur Aer DE ETF New 0.08% +0.08
AGG iShares Core U.S. Aggregate New 0.07% +0.07
IVW iShares S&P 500 Growth ETF New 0.07% +0.07
SHOP Shopify Inc. Class A New 0.07% +0.07
MAR Marriott International Class A Add +89.6% 0.19% +0.07
GOOG Alphabet Inc. Class C Add +0.7% 0.21% +0.06
JNJ Johnson & Johnson Add +26.1% 0.18% +0.05
RTX RTX Corp. Add +11.0% 0.27% +0.04
AVGO Broadcom Inc. Add +2.6% 0.17% +0.03
MSFT Microsoft Corp. Add +14.4% 1.04% +0.02
NVDA Nvidia Corp. Add +11.5% 0.11% +0.02
ABBV Abbvie Inc. Add +7.4% 0.14% +0.01
BAC Bank of America Corp. Add +9.5% 0.18% +0.01
AMZN Amazon.com Inc. Add +5.9% 0.53% +0.01
MCK McKesson Corp. Add +2.9% 0.12% −0.00
VCSH Vanguard S/T Corp. Bond ETF Add +9.6% 0.08% −0.00
CGDV Cap Group Dividend Value Add +4.2% 0.18% −0.01
CSCO Cisco Systems Inc. Add +5.3% 0.13% −0.01
HD Home Depot Inc. Add +5.2% 0.09% −0.01
PEP Pepsico Inc. Add +1.5% 0.28% −0.01
VBR Vngrd Mrngst SL-CP Val ETF-U Add +0.3% 0.12% −0.01
SPYG SS SPDR P S&P 500 Growth ETF Add +2.5% 3.84% −0.01
JPM JPMorgan Chase & Co. Add +1.4% 0.28% −0.02
TMUS T-Mobile US Inc. Add +2.1% 0.08% −0.02
BX Blackstone Inc. Add +0.6% 0.13% −0.02
T AT&T Inc. Add +8.6% 0.10% −0.03
CGGR Cap Group Growth Equity Add +4.8% 3.70% −0.03
V Visa Inc. Class A Add +4.3% 0.22% −0.04
JMUB JPMorgan Municipal ETF Add +10.4% 1.34% −0.05
XLE SS Energy Select Sector Add +8.6% 1.58% −0.05
VHT Vanguard Health Care ETF Add +3.0% 1.67% −0.07
META Meta Platforms Inc. Class A Add +4.0% 0.25% −0.07
SPEM State Street SP PTF Em ETF Add +1.3% 2.22% −0.08
XLF SS Financial Select Sector Add +8.4% 1.11% −0.08
XLB SS Materials Select Sector Add +7.2% 1.28% −0.15
MEAR Ishrs Short Mat Muni Act ETF Add +3.2% 1.20% −0.15
MDYG SS SPDR S&P 400 MC GR ETF Add +3.6% 2.42% −0.16
SPDW Ste STR SPDR PT DW Eu ETF Add +3.5% 4.21% −0.20
EFG iShares MSCI Eafe Growth ETF Add +5.0% 3.78% −0.28
IJR iShares Core S&P Small-Cap E Add +1.9% 5.83% −0.35
FLOT iShares Floating Rate Bond E Add +3.0% 2.75% −0.36
CIBR First Trust Nasdaq Cybersecu Add +2.0% 3.06% −0.36

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