Partners in Financial Planning

In its 13F for Q1 2024 (holdings as of March 31, 2024, filed February 26, 2025), Partners in Financial Planning reported 103 stock positions worth $449.3 million. Its top holding was Vanguard Mrngstar GR ETF-Sui (VUG) at 11.3% of the portfolio, followed by Vanguard Total Bond Market (BND, 10.9%) and Vanguard Mrngstr Val ETF-Aui (VTV, 10.3%). Compared with Q4 2023, it opened 3 new positions, sold out of 3, added to 42 and reduced 27. The biggest buy was Vanguard Mrngstr Val ETF-Aui (VTV, shares +1%) and the biggest sale Vanguard Intermediate-Term B (BIV, shares −38%).

Most Recent 13F
Q2 2026
Location
SALEM, VA
CIK
0002054264
Portfolio Value
$449.3M (Q1 2024)
SEC Filing
0002054264-25-000005 ↗ filed Feb 26, 2025

Holdings Value

0$200.0M$400.0M$600.0M$800.0M Q1 2024: $449.3M $449.3M Q1 2024 Q2 2024: $460.1M Q2 2024 Q3 2024: $495.7M Q3 2024 Q4 2024: $490.2M Q4 2024 Q1 2025: $497.6M Q1 2025 Q2 2025: $542.3M Q2 2025 Q3 2025: $578.5M Q3 2025 Q4 2025: $590.6M Q4 2025 Q1 2026: $602.9M Q1 2026 Q2 2026: $659.5M Q2 2026

Holdings 103 stocks · $449.3M
VUG Vanguard Mrngstar GR ETF-Sui 11.30% 147,496 $50.8M Reduce -1.0%
BND Vanguard Total Bond Market 10.92% 675,775 $49.1M Add +2.6%
VTV Vanguard Mrngstr Val ETF-Aui 10.34% 285,177 $46.4M Add +0.7%
BNDX Vanguard Total Intl Bond ETF 8.99% 820,805 $40.4M Add +1.7%
VEA Vanguard Ftse Developed ETF 8.17% 731,539 $36.7M Add +1.7%
BSV Vanguard Short-Term Bond ETF 6.28% 367,883 $28.2M Add +7.2%
VBR Vngrd Mrngst SL-CP Val ETF-U 3.90% 91,406 $17.5M Add +0.4%
VBK Van Morst SML-Cap Gro-Usd Inc. 3.73% 64,283 $16.8M Add +0.1%
VNQ Vanguard Real Estate ETF 2.92% 151,555 $13.1M Add +0.7%
VWO Vanguard Ftse Emerging Marke 2.61% 280,489 $11.7M Reduce -1.8%
VSS Vanguard Ftse All Wo X-US SC 2.56% 98,601 $11.5M Reduce -2.8%
VTEB Vanguard Tax-Exempt Bond ETF 2.48% 220,043 $11.1M Add +2.9%
SUB iShares Short-Term National 1.92% 82,242 $8.6M Add +2.9%
VTI VG Morningstar TS MKT ETF-US 1.87% 32,324 $8.4M Reduce -2.9%
SPDW Ste STR SPDR PT DW Eu ETF 1.85% 231,348 $8.3M Reduce -1.2%
VOO Vanguard S&P 500 ETF 1.34% 12,533 $6.0M Add +1.3%
VCIT Vanguard Int-Term Corporate 0.93% 51,676 $4.2M Add +46.4%
VO Vngrd Mrngstr MD-Cap ETF-Usd 0.81% 14,520 $3.6M Add +0.1%
MUB iShares National Muni Bond E 0.79% 32,994 $3.6M Reduce -0.3%
VXF Vanguard Extended Market ETF 0.68% 17,544 $3.1M Reduce -1.3%
SPYV SS SPDR P S&P 500 Value ETF 0.67% 60,312 $3.0M Reduce -0.1%
SCZ iShares MSCI Eafe Small-Cap 0.67% 47,696 $3.0M Reduce -3.3%
NSC Norfolk Southern Corp. 0.66% 11,678 $3.0M Add +38.6%
VFMF Vanguard US Multifactor ETF 0.59% 21,046 $2.7M Reduce -8.6%
SPYG SS SPDR P S&P 500 Growth ETF 0.59% 36,348 $2.7M Reduce -0.6%
SPEM State Street SP PTF Em ETF 0.51% 62,901 $2.3M Add +6.8%
SPAB SS SPDR P Agg Bond ETF 0.44% 77,675 $2.0M Reduce -0.3%
SLYV SS SPDR S&P 600 SC Val ETF 0.43% 23,464 $1.9M Reduce -1.6%
IAGG iShares Intl Aggregate Bond 0.41% 36,717 $1.8M No change
VV Vngrd Mrgstr LRG-Cap ETF-Usd 0.39% 7,390 $1.8M Add +0.2%
LRGF iShares US Equity Factor ETF 0.37% 31,219 $1.7M Add +0.3%
SPTS SS SPDR P St Term TSY ETF 0.37% 56,751 $1.6M Add +0.0%
VB Vanguard Most SM-Cap ETF-Usd 0.35% 6,961 $1.6M Add +2.8%
XOM Exxon Mobil Corp. 0.33% 12,566 $1.5M No change
FERG Ferguson Enterprises Inc. 0.32% 6,656 $1.5M No change
VNQI Vanguard GLBL Ex-US Real Est 0.31% 32,762 $1.4M Reduce -3.5%
BIV Vanguard Intermediate-Term B 0.31% 18,263 $1.4M Reduce -37.9%
VEU Vanguard Ftse All-World Ex-U 0.30% 23,154 $1.4M Add +0.1%
AAPL Apple Inc. 0.29% 7,583 $1.3M Reduce -1.3%
IWF iShares Russell 1000 Growth 0.29% 3,840 $1.3M No change
EMXC iShares MSCI Emr MRK Ex Chna 0.26% 20,370 $1.2M Add +8.5%
STLD Steel Dynamics Inc. 0.25% 7,674 $1.1M Reduce -4.9%
SLYG SS SPDR S&P 600 SC GR ETF 0.25% 12,864 $1.1M Reduce -5.4%
EW Edwards Lifesciences Corp. 0.25% 11,584 $1.1M No change
AMZN Amazon.com Inc. 0.24% 6,078 $1.1M Reduce -3.2%
VXUS Vanguard Total Intl Stock 0.24% 17,516 $1.1M Add +1.2%
DFAT Dimensional US Target Value 0.23% 18,847 $1.0M Add +0.1%
GE General Electric 0.21% 5,454 $957K Add +0.0%
EFA iShares MSCI Eafe ETF 0.20% 11,129 $889K No change
NKE Nike Inc. Class B 0.20% 9,437 $887K Reduce -7.4%
MSFT Microsoft Corp. 0.19% 2,013 $847K Add +24.8%
DFAX Dimensional World Ex US Core 0.17% 30,024 $764K Add +0.1%
IWD iShares Russell 1000 Value E 0.17% 4,149 $743K No change
BRK.B Berkshire Hathaway Inc. Class B 0.16% 1,667 $701K Add +6.4%
HES Hess Corp. 0.15% 4,496 $686K No change
DFAC Dimensional US Core Equity 2 0.15% 21,451 $685K Reduce -0.0%
IVV iShares Core S&P 500 ETF 0.14% 1,214 $638K No change
LOW Lowe's Cos Inc. 0.13% 2,348 $598K Reduce -4.1%
CSX CSX Corp. 0.13% 16,116 $597K No change
TFC Truist Financial Corp. 0.12% 13,611 $531K No change
IEFA iShares Core MSCI Eafe ETF 0.11% 6,874 $510K No change
CVS CVS Health Corp. 0.11% 6,256 $499K No change
NKSH National Bankshares Inc. 0.11% 14,882 $497K No change
PG The Procter & Gamble Co. 0.11% 2,967 $481K Add +12.3%
DHR Danaher Corp. 0.10% 1,875 $468K No change
UDR Udr Inc. 0.10% 12,368 $463K No change
MCD McDonald's Corp. 0.10% 1,587 $448K Reduce -1.6%
JNJ Johnson & Johnson 0.10% 2,825 $447K Add +6.1%
IVW iShares S&P 500 Growth ETF 0.10% 5,228 $441K Add +16.2%
TPL Texas Pacific Land Corp. 0.09% 714 $413K No change
IWS iShares Russell Mid-Cap Valu 0.09% 3,238 $406K No change
GOOGL Alphabet Inc. Class A 0.09% 2,626 $396K Add +2.9%
GOOG Alphabet Inc. Class C 0.09% 2,577 $392K Add +0.7%
IWP iShares Russell Mid-Cap Grow 0.09% 3,403 $388K No change
WMT Walmart Inc. 0.08% 6,108 $368K No change
VOT Vngrd Mrngstr MC GRW ETF-Usd 0.08% 1,492 $352K No change
IJH iShares Core S&P Midcap ETF 0.08% 5,728 $348K Add +38.5%
IVE iShares S&P 500 Value ETF 0.08% 1,844 $345K Add +43.8%
DFIV Dimensional International Va 0.08% 9,291 $341K Add +24.6%
IJR iShares Core S&P Small-Cap E 0.07% 3,046 $337K Add +36.8%
AGG iShares Core U.S. Aggregate 0.07% 3,436 $337K New
CVX Chevron Corp. 0.07% 2,124 $335K No change
SPY SS SPDR S&P 500 ETF Trust-US 0.07% 614 $321K Add +0.2%
META Meta Platforms Inc. Class A 0.07% 658 $320K Reduce -3.7%
SCHZ Schwab US Aggregate Bond ETF 0.07% 6,710 $309K Reduce -5.6%
IWR iShares Russell Mid-Cap ETF 0.07% 3,547 $298K Add +0.2%
UNP Union Pacific Corp. 0.07% 1,200 $295K No change
PFE Pfizer Inc. 0.06% 9,750 $271K Add +0.1%
MDLZ Mondelez International Inc. Class A 0.06% 3,835 $268K No change
IWV iShares Russell 3000 ETF 0.06% 891 $267K No change
COF Capital One Financial Corp. 0.06% 1,686 $251K No change
ABT Abbott Laboratories 0.06% 2,200 $250K No change
PEP Pepsico Inc. 0.05% 1,399 $245K No change
VGK Vanguard Ftse Europe ETF 0.05% 3,611 $243K Add +0.3%
CAH Cardinal Health Inc. 0.05% 2,163 $242K No change
PM Philip Morris International 0.05% 2,515 $230K No change
ABBV Abbvie Inc. 0.05% 1,228 $224K New
CARE Carter Bankshares Inc. 0.05% 17,543 $222K Reduce -21.3%
DIA SS SPDR Dow Jones Indus Avg filed as SPDR DOW JONES INDL AVERAGE 0.05% 554 $220K Add +0.4%
EEM iShares MSCI Emerging Market 0.05% 5,345 $220K No change

Show all 103 holdings

Portfolio Sells Q4 2023 → Q1 2024
BIV Vanguard Intermediate-Term B Reduce -37.9% 0.31% −0.22
VSS Vanguard Ftse All Wo X-US SC Reduce -2.8% 2.56% −0.17
VWO Vanguard Ftse Emerging Marke Reduce -1.8% 2.61% −0.15
VTIP Vanguard Short-Term Tips Sold out 0.00% −0.08
TSLA Tesla Inc. Sold out 0.00% −0.07
QQQ Invesco QQQ Trust Series 1 Sold out 0.00% −0.07
NKE Nike Inc. Class B Reduce -7.4% 0.20% −0.06
AAPL Apple Inc. Reduce -1.3% 0.29% −0.06
MUB iShares National Muni Bond E Reduce -0.3% 0.79% −0.05
SCZ iShares MSCI Eafe Small-Cap Reduce -3.3% 0.67% −0.04
SLYV SS SPDR S&P 600 SC Val ETF Reduce -1.6% 0.43% −0.03
VNQI Vanguard GLBL Ex-US Real Est Reduce -3.5% 0.31% −0.03
SPAB SS SPDR P Agg Bond ETF Reduce -0.3% 0.44% −0.03
CARE Carter Bankshares Inc. Reduce -21.3% 0.05% −0.03
VFMF Vanguard US Multifactor ETF Reduce -8.6% 0.59% −0.03
SPDW Ste STR SPDR PT DW Eu ETF Reduce -1.2% 1.85% −0.02
SLYG SS SPDR S&P 600 SC GR ETF Reduce -5.4% 0.25% −0.02
MCD McDonald's Corp. Reduce -1.6% 0.10% −0.01
SCHZ Schwab US Aggregate Bond ETF Reduce -5.6% 0.07% −0.01
IEMG iShares Core MSCI Emerging Reduce -0.7% 0.05% −0.00
VXF Vanguard Extended Market ETF Reduce -1.3% 0.68% −0.00
LOW Lowe's Cos Inc. Reduce -4.1% 0.13% +0.01
DFAC Dimensional US Core Equity 2 Reduce -0.0% 0.15% +0.01
SPYV SS SPDR P S&P 500 Value ETF Reduce -0.1% 0.67% +0.01
META Meta Platforms Inc. Class A Reduce -3.7% 0.07% +0.01
VTI VG Morningstar TS MKT ETF-US Reduce -2.9% 1.87% +0.02
AMZN Amazon.com Inc. Reduce -3.2% 0.24% +0.02
STLD Steel Dynamics Inc. Reduce -4.9% 0.25% +0.03
SPYG SS SPDR P S&P 500 Growth ETF Reduce -0.6% 0.59% +0.03
VUG Vanguard Mrngstar GR ETF-Sui Reduce -1.0% 11.30% +0.43

Portfolio Buys Q4 2023 → Q1 2024
VTV Vanguard Mrngstr Val ETF-Aui Add +0.7% 10.34% +0.40
VCIT Vanguard Int-Term Corporate Add +46.4% 0.93% +0.25
NSC Norfolk Southern Corp. Add +38.6% 0.66% +0.19
VBK Van Morst SML-Cap Gro-Usd Inc. Add +0.1% 3.73% +0.09
VEA Vanguard Ftse Developed ETF Add +1.7% 8.17% +0.08
AGG iShares Core U.S. Aggregate New 0.07% +0.07
VOO Vanguard S&P 500 ETF Add +1.3% 1.34% +0.07
BSV Vanguard Short-Term Bond ETF Add +7.2% 6.28% +0.07
VBR Vngrd Mrngst SL-CP Val ETF-U Add +0.4% 3.90% +0.06
ABBV Abbvie Inc. New 0.05% +0.05
GE General Electric Add +0.0% 0.21% +0.05
MSFT Microsoft Corp. Add +24.8% 0.19% +0.05
IWN iShares Russell 2000 Value E New 0.04% +0.04
BRK.B Berkshire Hathaway Inc. Class B Add +6.4% 0.16% +0.02
IVE iShares S&P 500 Value ETF Add +43.8% 0.08% +0.02
IJH iShares Core S&P Midcap ETF Add +38.5% 0.08% +0.02
LRGF iShares US Equity Factor ETF Add +0.3% 0.37% +0.02
IVW iShares S&P 500 Growth ETF Add +16.2% 0.10% +0.02
IJR iShares Core S&P Small-Cap E Add +36.8% 0.07% +0.02
SPEM State Street SP PTF Em ETF Add +6.8% 0.51% +0.02
EMXC iShares MSCI Emr MRK Ex Chna Add +8.5% 0.26% +0.02
VV Vngrd Mrgstr LRG-Cap ETF-Usd Add +0.2% 0.39% +0.02
PG The Procter & Gamble Co. Add +12.3% 0.11% +0.02
DFIV Dimensional International Va Add +24.6% 0.08% +0.02
VB Vanguard Most SM-Cap ETF-Usd Add +2.8% 0.35% +0.02
VO Vngrd Mrngstr MD-Cap ETF-Usd Add +0.1% 0.81% +0.01
GOOGL Alphabet Inc. Class A Add +2.9% 0.09% +0.00
SPY SS SPDR S&P 500 ETF Trust-US Add +0.2% 0.07% +0.00
GOOG Alphabet Inc. Class C Add +0.7% 0.09% +0.00
IWR iShares Russell Mid-Cap ETF Add +0.2% 0.07% +0.00
JNJ Johnson & Johnson Add +6.1% 0.10% +0.00
DIA SS SPDR Dow Jones Indus Avg Add +0.4% 0.05% +0.00
VXUS Vanguard Total Intl Stock Add +1.2% 0.24% −0.00
VGK Vanguard Ftse Europe ETF Add +0.3% 0.05% −0.00
DFAX Dimensional World Ex US Core Add +0.1% 0.17% −0.00
VEU Vanguard Ftse All-World Ex-U Add +0.1% 0.30% −0.00
DFAT Dimensional US Target Value Add +0.1% 0.23% −0.00
UNH Unitedhealth Group Inc. Add +5.3% 0.05% −0.00
PFE Pfizer Inc. Add +0.1% 0.06% −0.01
SPTS SS SPDR P St Term TSY ETF Add +0.0% 0.37% −0.02
SUB iShares Short-Term National Add +2.9% 1.92% −0.06
VTEB Vanguard Tax-Exempt Bond ETF Add +2.9% 2.48% −0.08
VNQ Vanguard Real Estate ETF Add +0.7% 2.92% −0.21
BNDX Vanguard Total Intl Bond ETF Add +1.7% 8.99% −0.37
BND Vanguard Total Bond Market Add +2.6% 10.92% −0.44

All Filings

QuarterPositions13F Reported ValueTop Holdings
Q2 2026 131$659.5MBND, VUG, VTV, BNDX, VEA
Q1 2026 122$602.9MBND, VTV, VUG, BNDX, VEA
Q4 2025 115$590.6MBND, VUG, VTV, BNDX, VEA
Q3 2025 115$578.5MBND, VUG, VTV, BNDX, VEA
Q2 2025 107$542.3MBND, VUG, VTV, BNDX, VEA
Q1 2025 101$497.6MBND, VUG, VTV, BNDX, VEA
Q4 2024 107$490.2MBND, VUG, VTV, BNDX, VEA
Q3 2024 107$495.7MBND, VUG, VTV, BNDX, VEA
Q2 2024 104$460.1MVUG, BND, VTV, BNDX, VEA
Q1 2024 103$449.3MVUG, BND, VTV, BNDX, VEA