Partners in Financial Planning

In its 13F for Q4 2024 (holdings as of December 31, 2024, filed February 12, 2025), Partners in Financial Planning reported 107 stock positions worth $490.2 million. Its top holding was Vanguard Total Bond Market (BND) at 12.5% of the portfolio, followed by Vanguard Mrngstar GR ETF-Sui (VUG, 12.0%) and Vanguard Mrngstr Val ETF-Aui (VTV, 10.2%). Compared with Q3 2024, it opened 2 new positions, sold out of 2, added to 37 and reduced 37. The biggest buy was Vanguard Total Bond Market (BND, shares +7%) and the biggest sale Vanguard Real Estate ETF (VNQ, shares −4%).

Most Recent 13F
Q2 2026
Location
SALEM, VA
CIK
0002054264
Portfolio Value
$490.2M (Q4 2024)
SEC Filing
0002054264-25-000002 ↗ filed Feb 12, 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 Q3 2024 Q4 2024: $490.2M $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 · $490.2M
BND Vanguard Total Bond Market 12.52% 853,864 $61.4M Add +7.0%
VUG Vanguard Mrngstar GR ETF-Sui 12.02% 143,602 $58.9M Reduce -1.0%
VTV Vanguard Mrngstr Val ETF-Aui 10.17% 294,554 $49.9M Add +1.6%
BNDX Vanguard Total Intl Bond ETF 9.41% 940,126 $46.1M Add +4.0%
VEA Vanguard Ftse Developed ETF 7.45% 764,163 $36.5M Add +1.9%
BSV Vanguard Short-Term Bond ETF 6.62% 420,233 $32.5M Add +1.4%
VBR Vngrd Mrngst SL-CP Val ETF-U 3.79% 93,677 $18.6M Add +1.1%
VBK Van Morst SML-Cap Gro-Usd Inc. 3.61% 63,212 $17.7M Reduce -0.7%
VWO Vanguard Ftse Emerging Marke 2.69% 298,956 $13.2M Add +2.3%
VNQ Vanguard Real Estate ETF 2.69% 147,789 $13.2M Reduce -3.9%
VSS Vanguard Ftse All Wo X-US SC 2.38% 102,045 $11.7M Add +1.8%
VTEB Vanguard Tax-Exempt Bond ETF 2.14% 208,982 $10.5M Reduce -5.8%
VTI VG Morningstar TS MKT ETF-US 2.13% 35,977 $10.4M Add +1.0%
SUB iShares Short-Term National 1.83% 84,962 $9.0M Reduce -1.7%
SPDW Ste STR SPDR PT DW Eu ETF 1.50% 215,265 $7.3M Reduce -2.4%
VOO Vanguard S&P 500 ETF 1.17% 10,617 $5.7M Reduce -1.2%
VCIT Vanguard Int-Term Corporate 1.11% 68,050 $5.5M Add +5.5%
MUB iShares National Muni Bond E 0.77% 35,518 $3.8M Add +1.9%
VO Vngrd Mrngstr MD-Cap ETF-Usd 0.77% 14,260 $3.8M Add +0.2%
VXF Vanguard Extended Market ETF 0.65% 16,832 $3.2M Reduce -0.3%
SCZ iShares MSCI Eafe Small-Cap 0.60% 48,264 $2.9M Add +1.6%
SPYG SS SPDR P S&P 500 Growth ETF 0.58% 32,559 $2.9M Reduce -0.1%
VFMF Vanguard US Multifactor ETF 0.56% 20,903 $2.7M Reduce -0.9%
IAGG iShares Intl Aggregate Bond 0.55% 53,580 $2.7M Add +11.6%
SPEM State Street SP PTF Em ETF 0.50% 64,126 $2.5M Add +2.0%
SPYV SS SPDR P S&P 500 Value ETF 0.49% 47,116 $2.4M Reduce -22.1%
VV Vngrd Mrgstr LRG-Cap ETF-Usd 0.49% 8,850 $2.4M Add +0.3%
SPAB SS SPDR P Agg Bond ETF 0.48% 93,263 $2.3M Add +17.1%
SLYV SS SPDR S&P 600 SC Val ETF 0.45% 25,544 $2.2M Add +2.6%
NSC Norfolk Southern Corp. 0.40% 8,402 $2.0M Reduce -16.2%
VEU Vanguard Ftse All-World Ex-U 0.34% 29,330 $1.7M Add +12.8%
VB Vanguard Most SM-Cap ETF-Usd 0.34% 6,966 $1.7M Add +0.2%
AAPL Apple Inc. 0.33% 6,527 $1.6M Reduce -3.8%
IWF iShares Russell 1000 Growth 0.31% 3,840 $1.5M No change
SPTS SS SPDR P St Term TSY ETF 0.30% 50,946 $1.5M Add +5.8%
BIV Vanguard Intermediate-Term B 0.29% 18,773 $1.4M Add +1.2%
XOM Exxon Mobil Corp. 0.28% 12,551 $1.4M Reduce -0.9%
AMZN Amazon.com Inc. 0.27% 6,132 $1.3M No change
VNQI Vanguard GLBL Ex-US Real Est 0.25% 31,328 $1.2M Reduce -2.6%
LRGF iShares US Equity Factor ETF 0.25% 20,477 $1.2M Reduce -7.8%
FERG Ferguson Enterprises Inc. 0.23% 6,566 $1.1M Reduce -1.4%
VXUS Vanguard Total Intl Stock 0.22% 18,634 $1.1M Add +2.2%
DFAT Dimensional US Target Value 0.22% 18,961 $1.1M Add +0.2%
SLYG SS SPDR S&P 600 SC GR ETF 0.20% 10,890 $984K Reduce -9.1%
MSFT Microsoft Corp. 0.19% 2,219 $935K Reduce -4.6%
EW Edwards Lifesciences Corp. 0.17% 11,584 $858K No change
STLD Steel Dynamics Inc. 0.17% 7,504 $856K No change
EFA iShares MSCI Eafe ETF 0.17% 11,166 $844K Add +0.2%
IVV iShares Core S&P 500 ETF 0.17% 1,416 $833K Add +16.6%
TPL Texas Pacific Land Corp. 0.16% 714 $790K No change
IWD iShares Russell 1000 Value E 0.16% 4,149 $768K No change
BRK.B Berkshire Hathaway Inc. Class B 0.15% 1,669 $757K Add +0.1%
DFAC Dimensional US Core Equity 2 0.15% 20,642 $714K Add +0.2%
NKE Nike Inc. Class B 0.14% 8,871 $671K No change
DFAX Dimensional World Ex US Core 0.14% 26,869 $668K Reduce -0.1%
IEFA iShares Core MSCI Eafe ETF 0.13% 8,777 $617K Add +26.4%
HES Hess Corp. 0.12% 4,496 $598K No change
TFC Truist Financial Corp. 0.12% 13,680 $593K No change
PG The Procter & Gamble Co. 0.12% 3,487 $585K Reduce -5.2%
LOW Lowe's Cos Inc. 0.12% 2,348 $579K No change
GE General Electric filed as GE AEROSPACE 0.12% 3,382 $564K Reduce -16.2%
WMT Walmart Inc. 0.11% 6,108 $552K No change
AGG iShares Core U.S. Aggregate 0.11% 5,666 $549K Add +64.9%
SPY SS SPDR S&P 500 ETF Trust-US 0.11% 922 $540K Add +49.7%
UDR Udr Inc. 0.11% 12,368 $537K No change
EMXC iShares MSCI Emr MRK Ex Chna 0.11% 9,525 $528K Reduce -51.7%
CSX CSX Corp. 0.10% 15,816 $510K No change
GOOG Alphabet Inc. Class C 0.10% 2,579 $491K Add +0.0%
MCD McDonald's Corp. 0.10% 1,612 $467K No change
GOOGL Alphabet Inc. Class A 0.09% 2,432 $460K Reduce -9.4%
DHR Danaher Corp. 0.09% 1,886 $433K No change
IWP iShares Russell Mid-Cap Grow 0.09% 3,403 $431K No change
NKSH National Bankshares Inc. 0.09% 14,580 $419K No change
JNJ Johnson & Johnson 0.08% 2,815 $407K Reduce -0.3%
IVW iShares S&P 500 Growth ETF 0.08% 3,840 $390K Reduce -19.9%
IWS iShares Russell Mid-Cap Valu 0.08% 2,909 $376K No change
META Meta Platforms Inc. Class A 0.07% 617 $361K Reduce -6.2%
VOT Vngrd Mrngstr MC GRW ETF-Usd 0.07% 1,376 $349K Add +0.1%
IJH iShares Core S&P Midcap ETF 0.07% 5,422 $338K Reduce -5.6%
AVGO Broadcom Inc. 0.07% 1,457 $338K Add +21.4%
DFIV Dimensional International Va 0.07% 9,446 $335K Add +0.4%
IJR iShares Core S&P Small-Cap E 0.07% 2,853 $329K Reduce -6.4%
CVX Chevron Corp. 0.06% 2,124 $308K No change
TSLA Tesla Inc. 0.06% 750 $303K New
PM Philip Morris International 0.06% 2,515 $303K No change
SCHZ Schwab US Aggregate Bond ETF 0.06% 13,282 $301K Reduce -3.8%
IWV iShares Russell 3000 ETF 0.06% 891 $298K No change
GEV GE Vernova Inc. 0.06% 838 $276K Reduce -16.4%
UNP Union Pacific Corp. 0.06% 1,200 $274K No change
COF Capital One Financial Corp. 0.06% 1,511 $269K No change
IVE iShares S&P 500 Value ETF 0.05% 1,396 $267K Reduce -19.9%
CVS CVS Health Corp. 0.05% 5,905 $265K Reduce -3.9%
ABT Abbott Laboratories 0.05% 2,288 $259K No change
CARE Carter Bankshares Inc. 0.05% 14,547 $256K Reduce -7.1%
CAH Cardinal Health Inc. 0.05% 2,163 $256K No change
PFE Pfizer Inc. 0.05% 8,835 $234K Reduce -9.5%
ABBV Abbvie Inc. 0.05% 1,316 $234K No change
MDLZ Mondelez International Inc. Class A 0.05% 3,835 $229K No change
AUB Atlantic Union Bankshares Co. 0.05% 6,000 $227K Add +1.3%
EEM iShares MSCI Emerging Market 0.05% 5,345 $224K No change

Show all 107 holdings

Portfolio Sells Q3 2024 → Q4 2024
VNQ Vanguard Real Estate ETF Reduce -3.9% 2.69% −0.34
SPDW Ste STR SPDR PT DW Eu ETF Reduce -2.4% 1.50% −0.17
SPYV SS SPDR P S&P 500 Value ETF Reduce -22.1% 0.49% −0.15
VTEB Vanguard Tax-Exempt Bond ETF Reduce -5.8% 2.14% −0.15
EMXC iShares MSCI Emr MRK Ex Chna Reduce -51.7% 0.11% −0.14
NSC Norfolk Southern Corp. Reduce -16.2% 0.40% −0.10
VNQI Vanguard GLBL Ex-US Real Est Reduce -2.6% 0.25% −0.05
IEMG iShares Core MSCI Emerging Sold out 0.00% −0.05
SO The Southern Co. Sold out 0.00% −0.04
GE General Electric Reduce -16.2% 0.12% −0.04
FERG Ferguson Enterprises Inc. Reduce -1.4% 0.23% −0.03
SLYG SS SPDR S&P 600 SC GR ETF Reduce -9.1% 0.20% −0.02
XOM Exxon Mobil Corp. Reduce -0.9% 0.28% −0.02
CVS CVS Health Corp. Reduce -3.9% 0.05% −0.02
SUB iShares Short-Term National Reduce -1.7% 1.83% −0.02
IVE iShares S&P 500 Value ETF Reduce -19.9% 0.05% −0.01
IVW iShares S&P 500 Growth ETF Reduce -19.9% 0.08% −0.01
MSFT Microsoft Corp. Reduce -4.6% 0.19% −0.01
LRGF iShares US Equity Factor ETF Reduce -7.8% 0.25% −0.01
DFAX Dimensional World Ex US Core Reduce -0.1% 0.14% −0.01
JNJ Johnson & Johnson Reduce -0.3% 0.08% −0.01
PG The Procter & Gamble Co. Reduce -5.2% 0.12% −0.01
PFE Pfizer Inc. Reduce -9.5% 0.05% −0.01
IJR iShares Core S&P Small-Cap E Reduce -6.4% 0.07% −0.00
SCHZ Schwab US Aggregate Bond ETF Reduce -3.8% 0.06% −0.00
IJH iShares Core S&P Midcap ETF Reduce -5.6% 0.07% −0.00
DIA SS SPDR Dow Jones Indus Avg Reduce -8.3% 0.04% −0.00
CARE Carter Bankshares Inc. Reduce -7.1% 0.05% −0.00
META Meta Platforms Inc. Class A Reduce -6.2% 0.07% −0.00
VFMF Vanguard US Multifactor ETF Reduce -0.9% 0.56% +0.00
WMB Williams Cos Inc. Reduce -9.3% 0.04% +0.00
GOOGL Alphabet Inc. Class A Reduce -9.4% 0.09% +0.00
GEV GE Vernova Inc. Reduce -16.4% 0.06% +0.00
AAPL Apple Inc. Reduce -3.8% 0.33% +0.01
VOO Vanguard S&P 500 ETF Reduce -1.2% 1.17% +0.02
VXF Vanguard Extended Market ETF Reduce -0.3% 0.65% +0.03
SPYG SS SPDR P S&P 500 Growth ETF Reduce -0.1% 0.58% +0.04
VBK Van Morst SML-Cap Gro-Usd Inc. Reduce -0.7% 3.61% +0.18
VUG Vanguard Mrngstar GR ETF-Sui Reduce -1.0% 12.02% +0.78

Portfolio Buys Q3 2024 → Q4 2024
BND Vanguard Total Bond Market Add +7.0% 12.52% +0.43
BNDX Vanguard Total Intl Bond ETF Add +4.0% 9.41% +0.24
VTI VG Morningstar TS MKT ETF-US Add +1.0% 2.13% +0.09
TSLA Tesla Inc. New 0.06% +0.06
SPAB SS SPDR P Agg Bond ETF Add +17.1% 0.48% +0.06
BSV Vanguard Short-Term Bond ETF Add +1.4% 6.62% +0.05
VOE Vngrd Mrngstr MD-Cap Val ETF New 0.04% +0.04
IAGG iShares Intl Aggregate Bond Add +11.6% 0.55% +0.04
AGG iShares Core U.S. Aggregate Add +64.9% 0.11% +0.04
SPY SS SPDR S&P 500 ETF Trust-US Add +49.7% 0.11% +0.04
VBR Vngrd Mrngst SL-CP Val ETF-U Add +1.1% 3.79% +0.03
IVV iShares Core S&P 500 ETF Add +16.6% 0.17% +0.03
AVGO Broadcom Inc. Add +21.4% 0.07% +0.03
VCIT Vanguard Int-Term Corporate Add +5.5% 1.11% +0.02
SLYV SS SPDR S&P 600 SC Val ETF Add +2.6% 0.45% +0.02
VV Vngrd Mrgstr LRG-Cap ETF-Usd Add +0.3% 0.49% +0.02
IEFA iShares Core MSCI Eafe ETF Add +26.4% 0.13% +0.02
SPTS SS SPDR P St Term TSY ETF Add +5.8% 0.30% +0.02
GOOG Alphabet Inc. Class C Add +0.0% 0.10% +0.01
VEU Vanguard Ftse All-World Ex-U Add +12.8% 0.34% +0.01
VO Vngrd Mrngstr MD-Cap ETF-Usd Add +0.2% 0.77% +0.01
VB Vanguard Most SM-Cap ETF-Usd Add +0.2% 0.34% +0.01
MUB iShares National Muni Bond E Add +1.9% 0.77% +0.01
VOT Vngrd Mrngstr MC GRW ETF-Usd Add +0.1% 0.07% +0.00
DFAC Dimensional US Core Equity 2 Add +0.2% 0.15% +0.00
DFAT Dimensional US Target Value Add +0.2% 0.22% +0.00
AUB Atlantic Union Bankshares Co. Add +1.3% 0.05% +0.00
IWN iShares Russell 2000 Value E Add +0.1% 0.04% −0.00
BRK.B Berkshire Hathaway Inc. Class B Add +0.1% 0.15% −0.00
DFIV Dimensional International Va Add +0.4% 0.07% −0.00
BIV Vanguard Intermediate-Term B Add +1.2% 0.29% −0.01
VXUS Vanguard Total Intl Stock Add +2.2% 0.22% −0.01
EFA iShares MSCI Eafe ETF Add +0.2% 0.17% −0.02
SPEM State Street SP PTF Em ETF Add +2.0% 0.50% −0.02
VTV Vanguard Mrngstr Val ETF-Aui Add +1.6% 10.17% −0.04
SCZ iShares MSCI Eafe Small-Cap Add +1.6% 0.60% −0.05
VWO Vanguard Ftse Emerging Marke Add +2.3% 2.69% −0.14
VSS Vanguard Ftse All Wo X-US SC Add +1.8% 2.38% −0.16
VEA Vanguard Ftse Developed ETF Add +1.9% 7.45% −0.54

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