Partners in Financial Planning

In its 13F for Q3 2024 (holdings as of September 30, 2024, filed February 26, 2025), Partners in Financial Planning reported 107 stock positions worth $495.7 million. Its top holding was Vanguard Total Bond Market (BND) at 12.1% of the portfolio, followed by Vanguard Mrngstar GR ETF-Sui (VUG, 11.2%) and Vanguard Mrngstr Val ETF-Aui (VTV, 10.2%). Compared with Q2 2024, it opened 6 new positions, sold out of 3, added to 33 and reduced 37. The biggest buy was Vanguard Total Bond Market (BND, shares +10%) and the biggest sale Vanguard Mrngstar GR ETF-Sui (VUG, shares −1%).

Most Recent 13F
Q2 2026
Location
SALEM, VA
CIK
0002054264
Portfolio Value
$495.7M (Q3 2024)
SEC Filing
0002054264-25-000003 ↗ 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 Q2 2024 Q3 2024: $495.7M $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 107 stocks · $495.7M
BND Vanguard Total Bond Market 12.09% 798,122 $59.9M Add +9.6%
VUG Vanguard Mrngstar GR ETF-Sui 11.24% 145,090 $55.7M Reduce -1.1%
VTV Vanguard Mrngstr Val ETF-Aui 10.21% 289,875 $50.6M Reduce -0.6%
BNDX Vanguard Total Intl Bond ETF 9.17% 904,049 $45.5M Add +3.6%
VEA Vanguard Ftse Developed ETF 7.99% 750,270 $39.6M Add +0.4%
BSV Vanguard Short-Term Bond ETF 6.58% 414,288 $32.6M Add +5.0%
VBR Vngrd Mrngst SL-CP Val ETF-U 3.75% 92,698 $18.6M Add +1.3%
VBK Van Morst SML-Cap Gro-Usd Inc. 3.43% 63,675 $17.0M Reduce -0.8%
VNQ Vanguard Real Estate ETF 3.02% 153,764 $15.0M Add +0.4%
VWO Vanguard Ftse Emerging Marke 2.82% 292,176 $14.0M Add +4.4%
VSS Vanguard Ftse All Wo X-US SC 2.55% 100,223 $12.6M Add +0.8%
VTEB Vanguard Tax-Exempt Bond ETF 2.29% 221,818 $11.3M Add +1.9%
VTI VG Morningstar TS MKT ETF-US 2.04% 35,636 $10.1M Add +8.1%
SUB iShares Short-Term National 1.85% 86,422 $9.2M Add +6.0%
SPDW Ste STR SPDR PT DW Eu ETF 1.67% 220,558 $8.3M Reduce -5.1%
VOO Vanguard S&P 500 ETF 1.14% 10,743 $5.7M Reduce -7.5%
VCIT Vanguard Int-Term Corporate 1.09% 64,495 $5.4M Add +3.6%
MUB iShares National Muni Bond E 0.76% 34,842 $3.8M Reduce -2.3%
VO Vngrd Mrngstr MD-Cap ETF-Usd 0.76% 14,226 $3.8M Reduce -1.9%
SCZ iShares MSCI Eafe Small-Cap 0.65% 47,524 $3.2M Reduce -0.0%
SPYV SS SPDR P S&P 500 Value ETF 0.64% 60,462 $3.2M Add +0.1%
VXF Vanguard Extended Market ETF 0.62% 16,881 $3.1M Reduce -3.0%
VFMF Vanguard US Multifactor ETF 0.55% 21,096 $2.8M Reduce -0.6%
SPYG SS SPDR P S&P 500 Growth ETF 0.55% 32,609 $2.7M Reduce -5.1%
SPEM State Street SP PTF Em ETF 0.52% 62,896 $2.6M Reduce -1.5%
NSC Norfolk Southern Corp. 0.50% 10,028 $2.5M Reduce -14.0%
IAGG iShares Intl Aggregate Bond 0.50% 48,014 $2.5M Reduce -0.3%
VV Vngrd Mrgstr LRG-Cap ETF-Usd 0.47% 8,826 $2.3M Add +19.4%
SLYV SS SPDR S&P 600 SC Val ETF 0.44% 24,885 $2.2M Add +0.3%
SPAB SS SPDR P Agg Bond ETF 0.42% 79,620 $2.1M Add +3.6%
VB Vanguard Most SM-Cap ETF-Usd 0.33% 6,950 $1.6M Add +0.2%
VEU Vanguard Ftse All-World Ex-U 0.33% 25,996 $1.6M Add +11.3%
AAPL Apple Inc. 0.32% 6,782 $1.6M Reduce -0.0%
VNQI Vanguard GLBL Ex-US Real Est 0.30% 32,155 $1.5M Reduce -2.2%
XOM Exxon Mobil Corp. 0.30% 12,670 $1.5M No change
BIV Vanguard Intermediate-Term B 0.29% 18,544 $1.5M Add +1.1%
IWF iShares Russell 1000 Growth 0.29% 3,840 $1.4M No change
SPTS SS SPDR P St Term TSY ETF 0.29% 48,136 $1.4M Reduce -0.8%
FERG Ferguson Enterprises Inc. 0.27% 6,656 $1.3M No change
LRGF iShares US Equity Factor ETF 0.26% 22,209 $1.3M Reduce -1.0%
EMXC iShares MSCI Emr MRK Ex Chna 0.24% 19,729 $1.2M Reduce -4.3%
VXUS Vanguard Total Intl Stock 0.24% 18,231 $1.2M Reduce -0.3%
AMZN Amazon.com Inc. 0.23% 6,132 $1.1M No change
SLYG SS SPDR S&P 600 SC GR ETF 0.23% 11,984 $1.1M Reduce -6.2%
DFAT Dimensional US Target Value 0.21% 18,926 $1.1M Add +0.2%
MSFT Microsoft Corp. 0.20% 2,327 $1.0M Add +14.3%
STLD Steel Dynamics Inc. 0.19% 7,504 $946K No change
EFA iShares MSCI Eafe ETF 0.19% 11,139 $932K Reduce -0.2%
IWD iShares Russell 1000 Value E 0.16% 4,149 $787K No change
NKE Nike Inc. Class B 0.16% 8,871 $784K Reduce -5.1%
BRK.B Berkshire Hathaway Inc. Class B 0.15% 1,667 $767K No change
EW Edwards Lifesciences Corp. 0.15% 11,584 $764K No change
GE General Electric filed as GE AEROSPACE 0.15% 4,036 $761K Reduce -26.1%
DFAX Dimensional World Ex US Core 0.15% 26,898 $727K Reduce -5.0%
DFAC Dimensional US Core Equity 2 0.14% 20,610 $707K Reduce -1.6%
IVV iShares Core S&P 500 ETF 0.14% 1,214 $700K No change
PG The Procter & Gamble Co. 0.13% 3,678 $637K Add +3.0%
LOW Lowe's Cos Inc. 0.13% 2,348 $636K No change
TPL Texas Pacific Land Corp. 0.13% 714 $632K No change
HES Hess Corp. 0.12% 4,496 $611K No change
TFC Truist Financial Corp. 0.12% 13,680 $585K Add +0.3%
UDR Udr Inc. 0.11% 12,368 $561K No change
CSX CSX Corp. 0.11% 15,816 $546K Reduce -1.9%
IEFA iShares Core MSCI Eafe ETF 0.11% 6,946 $542K No change
DHR Danaher Corp. 0.11% 1,886 $524K Add +0.6%
WMT Walmart Inc. 0.10% 6,108 $493K No change
MCD McDonald's Corp. 0.10% 1,612 $491K Add +1.6%
IVW iShares S&P 500 Growth ETF 0.09% 4,791 $459K Reduce -3.9%
JNJ Johnson & Johnson 0.09% 2,825 $458K No change
GOOGL Alphabet Inc. Class A 0.09% 2,683 $445K No change
NKSH National Bankshares Inc. 0.09% 14,580 $436K Add +1.6%
GOOG Alphabet Inc. Class C 0.09% 2,578 $431K No change
IWP iShares Russell Mid-Cap Grow 0.08% 3,403 $399K No change
CVS CVS Health Corp. 0.08% 6,143 $386K Reduce -1.8%
IWS iShares Russell Mid-Cap Valu 0.08% 2,909 $385K No change
META Meta Platforms Inc. Class A 0.08% 658 $377K No change
DFIV Dimensional International Va 0.07% 9,405 $358K Add +0.3%
IJH iShares Core S&P Midcap ETF 0.07% 5,743 $358K Add +0.2%
IJR iShares Core S&P Small-Cap E 0.07% 3,049 $357K Add +0.1%
SPY SS SPDR S&P 500 ETF Trust-US 0.07% 616 $354K Add +0.2%
AGG iShares Core U.S. Aggregate 0.07% 3,436 $348K No change
IVE iShares S&P 500 Value ETF 0.07% 1,744 $344K Reduce -1.3%
VOT Vngrd Mrngstr MC GRW ETF-Usd 0.07% 1,375 $335K Reduce -2.0%
SCHZ Schwab US Aggregate Bond ETF 0.07% 6,900 $328K Reduce -3.9%
CVX Chevron Corp. 0.06% 2,124 $313K No change
PM Philip Morris International 0.06% 2,515 $305K No change
UNP Union Pacific Corp. 0.06% 1,200 $296K No change
IWV iShares Russell 3000 ETF 0.06% 891 $291K No change
MDLZ Mondelez International Inc. Class A 0.06% 3,835 $283K No change
PFE Pfizer Inc. 0.06% 9,761 $282K Add +0.1%
CARE Carter Bankshares Inc. 0.05% 15,653 $272K Reduce -10.8%
ABT Abbott Laboratories 0.05% 2,288 $261K Add +4.0%
ABBV Abbvie Inc. 0.05% 1,316 $260K Add +7.2%
GEV GE Vernova Inc. 0.05% 1,002 $255K Reduce -26.2%
UNH Unitedhealth Group Inc. 0.05% 421 $246K No change
EEM iShares MSCI Emerging Market 0.05% 5,345 $245K No change
IEMG iShares Core MSCI Emerging 0.05% 4,264 $245K Reduce -2.7%
CAH Cardinal Health Inc. 0.05% 2,163 $239K No change
PEP Pepsico Inc. 0.05% 1,399 $238K No change
ICF iShares Select U.S. REIT ETF 0.05% 3,446 $227K New

Show all 107 holdings

Portfolio Sells Q2 2024 → Q3 2024
VUG Vanguard Mrngstar GR ETF-Sui Reduce -1.1% 11.24% −0.69
VOO Vanguard S&P 500 ETF Reduce -7.5% 1.14% −0.12
SPDW Ste STR SPDR PT DW Eu ETF Reduce -5.1% 1.67% −0.10
IWR iShares Russell Mid-Cap ETF Sold out 0.00% −0.06
MUB iShares National Muni Bond E Reduce -2.3% 0.76% −0.06
VBK Van Morst SML-Cap Gro-Usd Inc. Reduce -0.8% 3.43% −0.05
VGK Vanguard Ftse Europe ETF Sold out 0.00% −0.05
SPYG SS SPDR P S&P 500 Growth ETF Reduce -5.1% 0.55% −0.05
VTIP Vanguard Short-Term Tips Sold out 0.00% −0.04
NSC Norfolk Southern Corp. Reduce -14.0% 0.50% −0.04
GE General Electric Reduce -26.1% 0.15% −0.04
EMXC iShares MSCI Emr MRK Ex Chna Reduce -4.3% 0.24% −0.02
IAGG iShares Intl Aggregate Bond Reduce -0.3% 0.50% −0.02
SPTS SS SPDR P St Term TSY ETF Reduce -0.8% 0.29% −0.02
VXF Vanguard Extended Market ETF Reduce -3.0% 0.62% −0.02
SLYG SS SPDR S&P 600 SC GR ETF Reduce -6.2% 0.23% −0.01
DFAX Dimensional World Ex US Core Reduce -5.0% 0.15% −0.01
VFMF Vanguard US Multifactor ETF Reduce -0.6% 0.55% −0.01
LRGF iShares US Equity Factor ETF Reduce -1.0% 0.26% −0.01
IVW iShares S&P 500 Growth ETF Reduce -3.9% 0.09% −0.01
CSX CSX Corp. Reduce -1.9% 0.11% −0.01
VO Vngrd Mrngstr MD-Cap ETF-Usd Reduce -1.9% 0.76% −0.01
COF Capital One Financial Corp. Reduce -10.4% 0.05% −0.01
SCHZ Schwab US Aggregate Bond ETF Reduce -3.9% 0.07% −0.01
DFAC Dimensional US Core Equity 2 Reduce -1.6% 0.14% −0.00
CARE Carter Bankshares Inc. Reduce -10.8% 0.05% −0.00
VOT Vngrd Mrngstr MC GRW ETF-Usd Reduce -2.0% 0.07% −0.00
CVS CVS Health Corp. Reduce -1.8% 0.08% −0.00
EFA iShares MSCI Eafe ETF Reduce -0.2% 0.19% −0.00
DIA SS SPDR Dow Jones Indus Avg Reduce -4.9% 0.05% −0.00
IEMG iShares Core MSCI Emerging Reduce -2.7% 0.05% −0.00
VXUS Vanguard Total Intl Stock Reduce -0.3% 0.24% −0.00
IVE iShares S&P 500 Value ETF Reduce -1.3% 0.07% −0.00
SPEM State Street SP PTF Em ETF Reduce -1.5% 0.52% +0.00
GEV GE Vernova Inc. Reduce -26.2% 0.05% +0.00
NKE Nike Inc. Class B Reduce -5.1% 0.16% +0.01
AAPL Apple Inc. Reduce -0.0% 0.32% +0.01
SCZ iShares MSCI Eafe Small-Cap Reduce -0.0% 0.65% +0.01
VNQI Vanguard GLBL Ex-US Real Est Reduce -2.2% 0.30% +0.01
VTV Vanguard Mrngstr Val ETF-Aui Reduce -0.6% 10.21% +0.05

Portfolio Buys Q2 2024 → Q3 2024
BND Vanguard Total Bond Market Add +9.6% 12.09% +0.69
VNQ Vanguard Real Estate ETF Add +0.4% 3.02% +0.23
VWO Vanguard Ftse Emerging Marke Add +4.4% 2.82% +0.16
VBR Vngrd Mrngst SL-CP Val ETF-U Add +1.3% 3.75% +0.13
VTI VG Morningstar TS MKT ETF-US Add +8.1% 2.04% +0.12
VV Vngrd Mrgstr LRG-Cap ETF-Usd Add +19.4% 0.47% +0.07
ICF iShares Select U.S. REIT ETF New 0.05% +0.05
AUB Atlantic Union Bankshares Co. New 0.04% +0.04
SO The Southern Co. New 0.04% +0.04
IWN iShares Russell 2000 Value E New 0.04% +0.04
AVGO Broadcom Inc. New 0.04% +0.04
WMB Williams Cos Inc. New 0.04% +0.04
VEU Vanguard Ftse All-World Ex-U Add +11.3% 0.33% +0.03
SLYV SS SPDR S&P 600 SC Val ETF Add +0.3% 0.44% +0.01
MCD McDonald's Corp. Add +1.6% 0.10% +0.01
VCIT Vanguard Int-Term Corporate Add +3.6% 1.09% +0.01
VSS Vanguard Ftse All Wo X-US SC Add +0.8% 2.55% +0.01
ABBV Abbvie Inc. Add +7.2% 0.05% +0.01
SPYV SS SPDR P S&P 500 Value ETF Add +0.1% 0.64% +0.00
MSFT Microsoft Corp. Add +14.3% 0.20% +0.00
DHR Danaher Corp. Add +0.6% 0.11% +0.00
VB Vanguard Most SM-Cap ETF-Usd Add +0.2% 0.33% +0.00
ABT Abbott Laboratories Add +4.0% 0.05% +0.00
TFC Truist Financial Corp. Add +0.3% 0.12% +0.00
IJR iShares Core S&P Small-Cap E Add +0.1% 0.07% +0.00
PG The Procter & Gamble Co. Add +3.0% 0.13% +0.00
SPAB SS SPDR P Agg Bond ETF Add +3.6% 0.42% +0.00
BSV Vanguard Short-Term Bond ETF Add +5.0% 6.58% +0.00
NKSH National Bankshares Inc. Add +1.6% 0.09% −0.00
DFAT Dimensional US Target Value Add +0.2% 0.21% −0.00
IJH iShares Core S&P Midcap ETF Add +0.2% 0.07% −0.00
DFIV Dimensional International Va Add +0.3% 0.07% −0.00
SUB iShares Short-Term National Add +6.0% 1.85% −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
BIV Vanguard Intermediate-Term B Add +1.1% 0.29% −0.01
VEA Vanguard Ftse Developed ETF Add +0.4% 7.99% −0.04
BNDX Vanguard Total Intl Bond ETF Add +3.6% 9.17% −0.06
VTEB Vanguard Tax-Exempt Bond ETF Add +1.9% 2.29% −0.08

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