Partners in Financial Planning

In its 13F for Q2 2024 (holdings as of June 30, 2024, filed February 26, 2025), Partners in Financial Planning reported 104 stock positions worth $460.1 million. Its top holding was Vanguard Mrngstar GR ETF-Sui (VUG) at 11.9% of the portfolio, followed by Vanguard Total Bond Market (BND, 11.4%) and Vanguard Mrngstr Val ETF-Aui (VTV, 10.2%). Compared with Q1 2024, it opened 1 new position, sold out of 1, added to 43 and reduced 27. The biggest buy was Vanguard Total Bond Market (BND, shares +8%) and the biggest sale Van Morst SML-Cap Gro-Usd (VBK, shares −0%).

Most Recent 13F
Q2 2026
Location
SALEM, VA
CIK
0002054264
Portfolio Value
$460.1M (Q2 2024)
SEC Filing
0002054264-25-000004 ↗ filed Feb 26, 2025

Holdings Value

0$200.0M$400.0M$600.0M$800.0M Q1 2024: $449.3M Q1 2024 Q2 2024: $460.1M $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 104 stocks · $460.1M
VUG Vanguard Mrngstar GR ETF-Sui 11.93% 146,784 $54.9M Reduce -0.5%
BND Vanguard Total Bond Market 11.40% 728,220 $52.5M Add +7.8%
VTV Vanguard Mrngstr Val ETF-Aui 10.16% 291,520 $46.8M Add +2.2%
BNDX Vanguard Total Intl Bond ETF 9.23% 872,749 $42.5M Add +6.3%
VEA Vanguard Ftse Developed ETF 8.03% 747,466 $36.9M Add +2.2%
BSV Vanguard Short-Term Bond ETF 6.58% 394,525 $30.3M Add +7.2%
VBR Vngrd Mrngst SL-CP Val ETF-U 3.63% 91,468 $16.7M Add +0.1%
VBK Van Morst SML-Cap Gro-Usd Inc. 3.49% 64,162 $16.0M Reduce -0.2%
VNQ Vanguard Real Estate ETF 2.79% 153,099 $12.8M Add +1.0%
VWO Vanguard Ftse Emerging Marke 2.66% 279,869 $12.2M Reduce -0.2%
VSS Vanguard Ftse All Wo X-US SC 2.54% 99,476 $11.7M Add +0.9%
VTEB Vanguard Tax-Exempt Bond ETF 2.37% 217,573 $10.9M Reduce -1.1%
VTI VG Morningstar TS MKT ETF-US 1.92% 32,954 $8.8M Add +1.9%
SUB iShares Short-Term National 1.85% 81,541 $8.5M Reduce -0.8%
SPDW Ste STR SPDR PT DW Eu ETF 1.77% 232,481 $8.2M Add +0.5%
VOO Vanguard S&P 500 ETF 1.26% 11,615 $5.8M Reduce -7.3%
VCIT Vanguard Int-Term Corporate 1.08% 62,232 $5.0M Add +20.4%
MUB iShares National Muni Bond E 0.83% 35,658 $3.8M Add +8.1%
VO Vngrd Mrngstr MD-Cap ETF-Usd 0.76% 14,499 $3.5M Reduce -0.1%
SPYV SS SPDR P S&P 500 Value ETF 0.64% 60,411 $2.9M Add +0.2%
VXF Vanguard Extended Market ETF 0.64% 17,401 $2.9M Reduce -0.8%
SCZ iShares MSCI Eafe Small-Cap 0.64% 47,544 $2.9M Reduce -0.3%
SPYG SS SPDR P S&P 500 Growth ETF 0.60% 34,359 $2.8M Reduce -5.5%
VFMF Vanguard US Multifactor ETF 0.56% 21,216 $2.6M Add +0.8%
NSC Norfolk Southern Corp. 0.54% 11,661 $2.5M Reduce -0.1%
SPEM State Street SP PTF Em ETF 0.52% 63,868 $2.4M Add +1.5%
IAGG iShares Intl Aggregate Bond 0.52% 48,135 $2.4M Add +31.1%
SLYV SS SPDR S&P 600 SC Val ETF 0.42% 24,811 $1.9M Add +5.7%
SPAB SS SPDR P Agg Bond ETF 0.42% 76,885 $1.9M Reduce -1.0%
VV Vngrd Mrgstr LRG-Cap ETF-Usd 0.40% 7,390 $1.8M No change
VB Vanguard Most SM-Cap ETF-Usd 0.33% 6,938 $1.5M Reduce -0.3%
XOM Exxon Mobil Corp. 0.32% 12,670 $1.5M Add +0.8%
AAPL Apple Inc. 0.31% 6,783 $1.4M Reduce -10.6%
SPTS SS SPDR P St Term TSY ETF 0.30% 48,513 $1.4M Reduce -14.5%
IWF iShares Russell 1000 Growth 0.30% 3,840 $1.4M No change
BIV Vanguard Intermediate-Term B 0.30% 18,339 $1.4M Add +0.4%
VEU Vanguard Ftse All-World Ex-U 0.30% 23,358 $1.4M Add +0.9%
VNQI Vanguard GLBL Ex-US Real Est 0.29% 32,880 $1.3M Add +0.4%
FERG Ferguson Enterprises Inc. 0.28% 6,656 $1.3M No change
LRGF iShares US Equity Factor ETF 0.27% 22,440 $1.2M Reduce -28.1%
EMXC iShares MSCI Emr MRK Ex Chna 0.27% 20,619 $1.2M Add +1.2%
AMZN Amazon.com Inc. 0.26% 6,132 $1.2M Add +0.9%
VXUS Vanguard Total Intl Stock 0.24% 18,282 $1.1M Add +4.4%
SLYG SS SPDR S&P 600 SC GR ETF 0.24% 12,778 $1.1M Reduce -0.7%
EW Edwards Lifesciences Corp. 0.23% 11,584 $1.1M No change
DFAT Dimensional US Target Value 0.21% 18,889 $980K Add +0.2%
STLD Steel Dynamics Inc. 0.21% 7,504 $972K Reduce -2.2%
MSFT Microsoft Corp. 0.20% 2,036 $910K Add +1.1%
EFA iShares MSCI Eafe ETF 0.19% 11,164 $874K Add +0.3%
GE General Electric filed as GE AEROSPACE 0.19% 5,458 $868K Add +0.1%
IWD iShares Russell 1000 Value E 0.16% 4,149 $724K No change
DFAX Dimensional World Ex US Core 0.16% 28,321 $720K Reduce -5.7%
NKE Nike Inc. Class B 0.15% 9,347 $704K Reduce -0.9%
BRK.B Berkshire Hathaway Inc. Class B 0.15% 1,667 $678K No change
DFAC Dimensional US Core Equity 2 0.15% 20,947 $675K Reduce -2.4%
IVV iShares Core S&P 500 ETF 0.14% 1,214 $664K No change
HES Hess Corp. 0.14% 4,496 $663K No change
PG The Procter & Gamble Co. 0.13% 3,570 $589K Add +20.3%
CSX CSX Corp. 0.12% 16,116 $539K No change
TFC Truist Financial Corp. 0.12% 13,641 $530K Add +0.2%
TPL Texas Pacific Land Corp. 0.11% 714 $524K No change
LOW Lowe's Cos Inc. 0.11% 2,348 $518K No change
UDR Udr Inc. 0.11% 12,368 $509K No change
IEFA iShares Core MSCI Eafe ETF 0.11% 6,946 $505K Add +1.1%
GOOGL Alphabet Inc. Class A 0.11% 2,683 $489K Add +2.2%
GOOG Alphabet Inc. Class C 0.10% 2,578 $473K Add +0.0%
DHR Danaher Corp. 0.10% 1,875 $468K No change
IVW iShares S&P 500 Growth ETF 0.10% 4,983 $461K Reduce -4.7%
WMT Walmart Inc. 0.09% 6,108 $414K No change
JNJ Johnson & Johnson 0.09% 2,825 $413K No change
NKSH National Bankshares Inc. 0.09% 14,352 $406K Reduce -3.6%
MCD McDonald's Corp. 0.09% 1,587 $405K No change
IWP iShares Russell Mid-Cap Grow 0.08% 3,403 $376K No change
CVS CVS Health Corp. 0.08% 6,256 $369K No change
IWS iShares Russell Mid-Cap Valu 0.08% 2,909 $351K Reduce -10.2%
DFIV Dimensional International Va 0.07% 9,377 $337K Add +0.9%
IJH iShares Core S&P Midcap ETF 0.07% 5,734 $336K Add +0.1%
SPY SS SPDR S&P 500 ETF Trust-US 0.07% 615 $334K Add +0.2%
AGG iShares Core U.S. Aggregate 0.07% 3,436 $334K No change
CVX Chevron Corp. 0.07% 2,124 $332K No change
META Meta Platforms Inc. Class A 0.07% 658 $332K No change
SCHZ Schwab US Aggregate Bond ETF 0.07% 7,178 $327K Add +7.0%
IJR iShares Core S&P Small-Cap E 0.07% 3,047 $325K Add +0.0%
VOT Vngrd Mrngstr MC GRW ETF-Usd 0.07% 1,403 $322K Reduce -6.0%
IVE iShares S&P 500 Value ETF 0.07% 1,766 $321K Reduce -4.2%
IWR iShares Russell Mid-Cap ETF 0.06% 3,554 $288K Add +0.2%
IWV iShares Russell 3000 ETF 0.06% 891 $275K No change
PFE Pfizer Inc. 0.06% 9,756 $273K Add +0.1%
UNP Union Pacific Corp. 0.06% 1,200 $272K No change
CARE Carter Bankshares Inc. 0.06% 17,543 $265K No change
PM Philip Morris International 0.06% 2,515 $255K No change
MDLZ Mondelez International Inc. Class A 0.05% 3,835 $251K No change
VGK Vanguard Ftse Europe ETF 0.05% 3,637 $243K Add +0.7%
IEMG iShares Core MSCI Emerging 0.05% 4,381 $235K Add +5.9%
COF Capital One Financial Corp. 0.05% 1,686 $233K No change
GEV GE Vernova Inc. 0.05% 1,357 $233K Reduce -0.5%
PEP Pepsico Inc. 0.05% 1,399 $231K No change
ABT Abbott Laboratories 0.05% 2,200 $229K No change
EEM iShares MSCI Emerging Market 0.05% 5,345 $228K No change
DIA SS SPDR Dow Jones Indus Avg filed as SPDR DOW JONES INDL AVERAGE 0.05% 556 $218K Add +0.4%
UNH Unitedhealth Group Inc. 0.05% 421 $214K No change
CAH Cardinal Health Inc. 0.05% 2,163 $213K No change
ABBV Abbvie Inc. 0.05% 1,228 $211K No change
VTIP Vanguard Short-Term Tips 0.04% 4,148 $201K New

Portfolio Sells Q1 2024 → Q2 2024
VBK Van Morst SML-Cap Gro-Usd Inc. Reduce -0.2% 3.49% −0.24
NSC Norfolk Southern Corp. Reduce -0.1% 0.54% −0.12
VTEB Vanguard Tax-Exempt Bond ETF Reduce -1.1% 2.37% −0.11
LRGF iShares US Equity Factor ETF Reduce -28.1% 0.27% −0.10
VOO Vanguard S&P 500 ETF Reduce -7.3% 1.26% −0.08
SUB iShares Short-Term National Reduce -0.8% 1.85% −0.06
SPTS SS SPDR P St Term TSY ETF Reduce -14.5% 0.30% −0.06
VXF Vanguard Extended Market ETF Reduce -0.8% 0.64% −0.05
IWN iShares Russell 2000 Value E Sold out 0.00% −0.04
VO Vngrd Mrngstr MD-Cap ETF-Usd Reduce -0.1% 0.76% −0.04
NKE Nike Inc. Class B Reduce -0.9% 0.15% −0.04
STLD Steel Dynamics Inc. Reduce -2.2% 0.21% −0.04
SCZ iShares MSCI Eafe Small-Cap Reduce -0.3% 0.64% −0.04
VB Vanguard Most SM-Cap ETF-Usd Reduce -0.3% 0.33% −0.03
NKSH National Bankshares Inc. Reduce -3.6% 0.09% −0.02
SPAB SS SPDR P Agg Bond ETF Reduce -1.0% 0.42% −0.02
IWS iShares Russell Mid-Cap Valu Reduce -10.2% 0.08% −0.01
DFAX Dimensional World Ex US Core Reduce -5.7% 0.16% −0.01
SLYG SS SPDR S&P 600 SC GR ETF Reduce -0.7% 0.24% −0.01
VOT Vngrd Mrngstr MC GRW ETF-Usd Reduce -6.0% 0.07% −0.01
IVE iShares S&P 500 Value ETF Reduce -4.2% 0.07% −0.01
DFAC Dimensional US Core Equity 2 Reduce -2.4% 0.15% −0.01
GEV GE Vernova Inc. Reduce -0.5% 0.05% −0.00
IVW iShares S&P 500 Growth ETF Reduce -4.7% 0.10% +0.00
SPYG SS SPDR P S&P 500 Growth ETF Reduce -5.5% 0.60% +0.01
AAPL Apple Inc. Reduce -10.6% 0.31% +0.02
VWO Vanguard Ftse Emerging Marke Reduce -0.2% 2.66% +0.05
VUG Vanguard Mrngstar GR ETF-Sui Reduce -0.5% 11.93% +0.63

Portfolio Buys Q1 2024 → Q2 2024
BND Vanguard Total Bond Market Add +7.8% 11.40% +0.48
BSV Vanguard Short-Term Bond ETF Add +7.2% 6.58% +0.30
BNDX Vanguard Total Intl Bond ETF Add +6.3% 9.23% +0.25
VCIT Vanguard Int-Term Corporate Add +20.4% 1.08% +0.16
IAGG iShares Intl Aggregate Bond Add +31.1% 0.52% +0.11
VTI VG Morningstar TS MKT ETF-US Add +1.9% 1.92% +0.05
VTIP Vanguard Short-Term Tips New 0.04% +0.04
MUB iShares National Muni Bond E Add +8.1% 0.83% +0.04
PG The Procter & Gamble Co. Add +20.3% 0.13% +0.02
GOOGL Alphabet Inc. Class A Add +2.2% 0.11% +0.02
SPEM State Street SP PTF Em ETF Add +1.5% 0.52% +0.02
GOOG Alphabet Inc. Class C Add +0.0% 0.10% +0.02
AMZN Amazon.com Inc. Add +0.9% 0.26% +0.01
MSFT Microsoft Corp. Add +1.1% 0.20% +0.01
VXUS Vanguard Total Intl Stock Add +4.4% 0.24% +0.00
EMXC iShares MSCI Emr MRK Ex Chna Add +1.2% 0.27% +0.00
IEMG iShares Core MSCI Emerging Add +5.9% 0.05% +0.00
SCHZ Schwab US Aggregate Bond ETF Add +7.0% 0.07% +0.00
SPY SS SPDR S&P 500 ETF Trust-US Add +0.2% 0.07% +0.00
PFE Pfizer Inc. Add +0.1% 0.06% −0.00
VGK Vanguard Ftse Europe ETF Add +0.7% 0.05% −0.00
DIA SS SPDR Dow Jones Indus Avg Add +0.4% 0.05% −0.00
DFIV Dimensional International Va Add +0.9% 0.07% −0.00
TFC Truist Financial Corp. Add +0.2% 0.12% −0.00
IWR iShares Russell Mid-Cap ETF Add +0.2% 0.06% −0.00
IEFA iShares Core MSCI Eafe ETF Add +1.1% 0.11% −0.00
IJR iShares Core S&P Small-Cap E Add +0.0% 0.07% −0.00
IJH iShares Core S&P Midcap ETF Add +0.1% 0.07% −0.00
VEU Vanguard Ftse All-World Ex-U Add +0.9% 0.30% −0.00
EFA iShares MSCI Eafe ETF Add +0.3% 0.19% −0.01
BIV Vanguard Intermediate-Term B Add +0.4% 0.30% −0.01
XOM Exxon Mobil Corp. Add +0.8% 0.32% −0.01
SLYV SS SPDR S&P 600 SC Val ETF Add +5.7% 0.42% −0.01
DFAT Dimensional US Target Value Add +0.2% 0.21% −0.02
VNQI Vanguard GLBL Ex-US Real Est Add +0.4% 0.29% −0.02
VSS Vanguard Ftse All Wo X-US SC Add +0.9% 2.54% −0.02
GE General Electric Add +0.1% 0.19% −0.02
VFMF Vanguard US Multifactor ETF Add +0.8% 0.56% −0.03
SPYV SS SPDR P S&P 500 Value ETF Add +0.2% 0.64% −0.03
SPDW Ste STR SPDR PT DW Eu ETF Add +0.5% 1.77% −0.07
VNQ Vanguard Real Estate ETF Add +1.0% 2.79% −0.13
VEA Vanguard Ftse Developed ETF Add +2.2% 8.03% −0.14
VTV Vanguard Mrngstr Val ETF-Aui Add +2.2% 10.16% −0.17
VBR Vngrd Mrngst SL-CP Val ETF-U Add +0.1% 3.63% −0.27

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