Pearl Planning LLC

In its 13F for Q2 2026 (holdings as of June 30, 2026, filed July 21, 2026), Pearl Planning LLC reported 58 stock positions worth $217.4 million. Its top holding was Vanguard S&P 500 ETF (VOO) at 14.4% of the portfolio, followed by Avantis International Equity (AVDE, 10.7%) and JPMorgan Income ETF (JPIE, 8.3%). Compared with Q1 2026, it opened 6 new positions, added to 27 and reduced 17. The biggest buy was Vanguard S&P 500 ETF (VOO, shares +6%) and the biggest sale Alpha Architect 1-3 MNTH Box (BOXX, shares −22%).

Most Recent 13F
Q2 2026
Location
DEXTER, MI
CIK
0002100519
Portfolio Value
$217.4M (Q2 2026)
SEC Filing
0002100519-26-000004 ↗ filed Jul 21, 2026

Holdings Value

0$50.0M$100.0M$150.0M$200.0M$250.0M Q4 2025: $163.5M Q4 2025 Q1 2026: $187.1M Q1 2026 Q2 2026: $217.4M $217.4M Q2 2026

Holdings 58 stocks · $217.4M
VOO Vanguard S&P 500 ETF 14.36% 45,453 $31.2M Add +6.4%
AVDE Avantis International Equity 10.74% 261,773 $23.4M Add +13.3%
JPIE JPMorgan Income ETF 8.29% 391,356 $18.0M Add +9.3%
FBND Fidelity Total Bond ETF 8.07% 385,581 $17.5M Add +9.8%
VTV Vanguard Mrngstr Val ETF-Aui 7.05% 70,334 $15.3M Reduce -3.9%
VO Vngrd Mrngstr MD-Cap ETF-Usd 6.79% 183,166 $14.8M Add +3.7%
FRDM Freedom 100 Emeging MRKT ETF 5.67% 169,045 $12.3M Reduce -4.1%
DGRO iShares Core Dividend Growth 3.96% 113,556 $8.6M Add +6.6%
AVUV Avantis US Small Cap Value 3.83% 66,705 $8.3M Add +2.1%
ESGV Vanguard ESG US Stock ETF 3.69% 60,619 $8.0M Add +3.4%
QQQM Invesco Nasdaq 100 ETF 3.15% 22,592 $6.8M Add +7.1%
TMSL T.rowe PRC Small-Mid Cap ETF 2.47% 122,457 $5.4M Add +2.0%
BOXX Alpha Architect 1-3 MNTH Box 2.11% 39,213 $4.6M Reduce -21.6%
QQQ Invesco QQQ Trust Series 1 1.66% 4,898 $3.6M Reduce -1.8%
BSV Vanguard Short-Term Bond ETF 1.66% 46,281 $3.6M Add +17.0%
VCEB Vanguard ESG US Corp. Bond 1.60% 55,415 $3.5M Add +33.5%
QQMG Invesco ESG Nasdaq 100 1.47% 62,588 $3.2M Add +9.9%
BIL SS SPDR BB 1-3M T-Bill ETF 1.37% 32,596 $3.0M Reduce -3.3%
ESML iShares ESG Aware MSCI USA S 1.20% 46,809 $2.6M Add +8.1%
MUB iShares National Muni Bond E 0.85% 17,146 $1.8M Add +0.1%
BND Vanguard Total Bond Market 0.79% 23,389 $1.7M Reduce -15.4%
IDMO Invesco S&P International DE 0.70% 25,372 $1.5M Add +51.0%
QUAL iShares MSCI USA Quality Fac 0.53% 5,202 $1.1M Reduce -8.4%
BIV Vanguard Intermediate-Term B 0.50% 14,191 $1.1M Reduce -5.8%
VB Vanguard Most SM-Cap ETF-Usd 0.48% 3,445 $1.0M Add +0.1%
IVV iShares Core S&P 500 ETF 0.46% 1,348 $1.0M Reduce -0.3%
VEA Vanguard Ftse Developed ETF 0.40% 12,329 $878K Add +2.1%
AVSC Avantis US Small Cap Equity 0.38% 11,305 $829K No change
XMHQ Invesco S&P Midcap Qual ETF 0.36% 6,907 $780K Add +1.9%
AGG iShares Core U.S. Aggregate 0.34% 7,459 $738K Add +0.4%
IJH iShares Core S&P Midcap ETF 0.33% 9,423 $727K Reduce -7.5%
AAPL Apple Inc. 0.33% 2,486 $719K Add +0.6%
IBM Intl Business Machines Corp. filed as INTERNATIONAL BUSINESS MACHS 0.33% 2,554 $718K Reduce -7.3%
IWF iShares Russell 1000 Growth 0.32% 5,673 $704K No change
IEFA iShares Core MSCI Eafe ETF 0.25% 5,569 $538K Reduce -0.3%
ILCV iShares Morningstar Value Et 0.25% 5,279 $534K No change
ORCL Oracle Corp. 0.20% 2,983 $437K Reduce -1.3%
MSFT Microsoft Corp. 0.20% 1,145 $427K Add +5.5%
XLK SS Technology Select Sector 0.20% 2,232 $425K No change
VOTE TCW Transform 500 ETF 0.19% 4,761 $420K No change
RSG Republic Services Inc. 0.18% 1,863 $397K Reduce -0.3%
META Meta Platforms Inc. Class A 0.18% 700 $394K Reduce -4.4%
NVDA Nvidia Corp. 0.17% 1,884 $377K Add +13.2%
VBR Vngrd Mrngst SL-CP Val ETF-U 0.17% 1,483 $360K Reduce -0.5%
FEOE First Eagle Overseas Eq ETF 0.15% 6,306 $337K No change
ISTB iShares Core 1-5 Year Usd Bo 0.15% 6,883 $332K No change
GOOGL Alphabet Inc. Class A 0.14% 848 $303K Add +17.0%
AMZN Amazon.com Inc. 0.14% 1,261 $301K Add +17.9%
MU Micron Technology Inc. 0.14% 260 $300K New
VTI VG Morningstar TS MKT ETF-US 0.14% 800 $296K Reduce -1.0%
ESGU iShares ESG Aware MSCI USA 0.13% 1,732 $283K No change
JPM JPMorgan Chase & Co. 0.12% 818 $268K Add +1.1%
MTUM iShares MSCI USA Momentum Fa 0.12% 772 $265K New
AVGO Broadcom Inc. 0.12% 691 $261K Add +2.5%
AVSD Avantis Reps Intern Equi ETF 0.11% 2,986 $239K New
SHE SS SPDR MSCI U Gend Div ETF 0.10% 1,466 $226K New
GOOG Alphabet Inc. Class C 0.10% 639 $226K New
TXN Texas Instruments Inc. 0.10% 720 $215K New

Portfolio Sells Q1 2026 → Q2 2026
BOXX Alpha Architect 1-3 MNTH Box Reduce -21.6% 2.11% −1.00
VTV Vanguard Mrngstr Val ETF-Aui Reduce -3.9% 7.05% −0.63
BND Vanguard Total Bond Market Reduce -15.4% 0.79% −0.30
BIL SS SPDR BB 1-3M T-Bill ETF Reduce -3.3% 1.37% −0.28
BIV Vanguard Intermediate-Term B Reduce -5.8% 0.50% −0.12
QUAL iShares MSCI USA Quality Fac Reduce -8.4% 0.53% −0.06
META Meta Platforms Inc. Class A Reduce -4.4% 0.18% −0.04
ORCL Oracle Corp. Reduce -1.3% 0.20% −0.04
RSG Republic Services Inc. Reduce -0.3% 0.18% −0.04
IJH iShares Core S&P Midcap ETF Reduce -7.5% 0.33% −0.03
IBM Intl Business Machines Corp. Reduce -7.3% 0.33% −0.03
IEFA iShares Core MSCI Eafe ETF Reduce -0.3% 0.25% −0.02
IVV iShares Core S&P 500 ETF Reduce -0.3% 0.46% −0.01
VBR Vngrd Mrngst SL-CP Val ETF-U Reduce -0.5% 0.17% −0.01
VTI VG Morningstar TS MKT ETF-US Reduce -1.0% 0.14% −0.00
QQQ Invesco QQQ Trust Series 1 Reduce -1.8% 1.66% +0.12
FRDM Freedom 100 Emeging MRKT ETF Reduce -4.1% 5.67% +0.52

Portfolio Buys Q1 2026 → Q2 2026
VOO Vanguard S&P 500 ETF Add +6.4% 14.36% +0.71
QQQM Invesco Nasdaq 100 ETF Add +7.1% 3.15% +0.47
QQMG Invesco ESG Nasdaq 100 Add +9.9% 1.47% +0.27
AVDE Avantis International Equity Add +13.3% 10.74% +0.26
IDMO Invesco S&P International DE Add +51.0% 0.70% +0.21
VCEB Vanguard ESG US Corp. Bond Add +33.5% 1.60% +0.21
ESGV Vanguard ESG US Stock ETF Add +3.4% 3.69% +0.17
MU Micron Technology Inc. New 0.14% +0.14
MTUM iShares MSCI USA Momentum Fa New 0.12% +0.12
TMSL T.rowe PRC Small-Mid Cap ETF Add +2.0% 2.47% +0.12
ESML iShares ESG Aware MSCI USA S Add +8.1% 1.20% +0.12
AVSD Avantis Reps Intern Equi ETF New 0.11% +0.11
SHE SS SPDR MSCI U Gend Div ETF New 0.10% +0.10
GOOG Alphabet Inc. Class C New 0.10% +0.10
TXN Texas Instruments Inc. New 0.10% +0.10
GOOGL Alphabet Inc. Class A Add +17.0% 0.14% +0.03
AMZN Amazon.com Inc. Add +17.9% 0.14% +0.02
NVDA Nvidia Corp. Add +13.2% 0.17% +0.02
VO Vngrd Mrngstr MD-Cap ETF-Usd Add +3.7% 6.79% +0.01
AVGO Broadcom Inc. Add +2.5% 0.12% +0.01
BSV Vanguard Short-Term Bond ETF Add +17.0% 1.66% +0.00
VB Vanguard Most SM-Cap ETF-Usd Add +0.1% 0.48% −0.00
JPM JPMorgan Chase & Co. Add +1.1% 0.12% −0.00
AAPL Apple Inc. Add +0.6% 0.33% −0.00
VEA Vanguard Ftse Developed ETF Add +2.1% 0.40% −0.01
XMHQ Invesco S&P Midcap Qual ETF Add +1.9% 0.36% −0.02
MSFT Microsoft Corp. Add +5.5% 0.20% −0.02
AVUV Avantis US Small Cap Value Add +2.1% 3.83% −0.03
DGRO iShares Core Dividend Growth Add +6.6% 3.96% −0.04
AGG iShares Core U.S. Aggregate Add +0.4% 0.34% −0.05
MUB iShares National Muni Bond E Add +0.1% 0.85% −0.12
FBND Fidelity Total Bond ETF Add +9.8% 8.07% −0.50
JPIE JPMorgan Income ETF Add +9.3% 8.29% −0.53

All Filings

QuarterPositions13F Reported ValueTop Holdings
Q2 2026 58$217.4MVOO, AVDE, JPIE, FBND, VTV
Q1 2026 52$187.1MVOO, AVDE, JPIE, FBND, VTV
Q4 2025 52$163.5MVOO, AVDE, BND, VTV, VO