Pearl Planning LLC
In its 13F for Q4 2025 (holdings as of December 31, 2025, filed February 3, 2026), Pearl Planning LLC reported 52 stock positions worth $163.5 million. Its top holding was Vanguard S&P 500 ETF (VOO) at 15.7% of the portfolio, followed by Avantis International Equity (AVDE, 10.5%) and Vanguard Total Bond Market (BND, 9.0%).
- Most Recent 13F
- Q2 2026
- Location
- DEXTER, MI
- CIK
- 0002100519
- Portfolio Value
- $163.5M (Q4 2025)
- SEC Filing
- 0002100519-26-000001 ↗ filed Feb 3, 2026
Holdings Value
Holdings 52 stocks · $163.5M
| VOO Vanguard S&P 500 ETF | 15.67% | 40,856 | $25.6M | — |
| AVDE Avantis International Equity | 10.45% | 207,659 | $17.1M | — |
| BND Vanguard Total Bond Market | 8.99% | 198,406 | $14.7M | — |
| VTV Vanguard Mrngstr Val ETF-Aui | 8.55% | 73,188 | $14.0M | — |
| VO Vngrd Mrngstr MD-Cap ETF-Usd | 7.41% | 41,774 | $12.1M | — |
| FRDM Freedom 100 Emeging MRKT ETF | 5.75% | 183,437 | $9.4M | — |
| DGRO iShares Core Dividend Growth | 4.32% | 101,644 | $7.1M | — |
| ESGV Vanguard ESG US Stock ETF | 4.21% | 56,960 | $6.9M | — |
| AVUV Avantis US Small Cap Value | 3.98% | 63,793 | $6.5M | — |
| BOXX Alpha Architect 1-3 MNTH Box | 3.46% | 49,163 | $5.7M | — |
| QQQM Invesco Nasdaq 100 ETF | 3.12% | 20,187 | $5.1M | — |
| TMSL T.rowe PRC Small-Mid Cap ETF | 2.52% | 114,775 | $4.1M | — |
| BIL SS SPDR BB 1-3M T-Bill ETF | 1.93% | 34,564 | $3.2M | — |
| QQQ Invesco QQQ Trust Series 1 | 1.88% | 5,004 | $3.1M | — |
| BSV Vanguard Short-Term Bond ETF | 1.58% | 32,778 | $2.6M | — |
| VCEB Vanguard ESG US Corp. Bond | 1.41% | 36,197 | $2.3M | — |
| QQMG Invesco ESG Nasdaq 100 | 1.37% | 52,837 | $2.2M | — |
| ESML iShares ESG Aware MSCI USA S | 1.18% | 41,950 | $1.9M | — |
| MUB iShares National Muni Bond E | 1.14% | 17,348 | $1.9M | — |
| QUAL iShares MSCI USA Quality Fac | 0.74% | 6,057 | $1.2M | — |
| BIV Vanguard Intermediate-Term B | 0.72% | 15,069 | $1.2M | — |
| XMHQ Invesco S&P Midcap Qual ETF | 0.60% | 9,504 | $973K | — |
| IVV iShares Core S&P 500 ETF | 0.57% | 1,353 | $927K | — |
| VB Vanguard Most SM-Cap ETF-Usd | 0.54% | 3,446 | $889K | — |
| IDMO Invesco S&P International DE | 0.54% | 15,922 | $885K | — |
| IBM Intl Business Machines Corp. filed as INTERNATIONAL BUSINESS MACHS | 0.54% | 2,977 | $882K | — |
| AGG iShares Core U.S. Aggregate | 0.46% | 7,604 | $759K | — |
| VEA Vanguard Ftse Developed ETF | 0.46% | 12,078 | $755K | — |
| IJH iShares Core S&P Midcap ETF | 0.42% | 10,322 | $681K | — |
| IWF iShares Russell 1000 Growth | 0.41% | 1,418 | $671K | — |
| AAPL Apple Inc. | 0.41% | 2,449 | $666K | — |
| AVSC Avantis US Small Cap Equity | 0.39% | 10,918 | $641K | — |
| ORCL Oracle Corp. | 0.36% | 3,056 | $596K | — |
| META Meta Platforms Inc. Class A | 0.33% | 826 | $545K | — |
| MSFT Microsoft Corp. | 0.33% | 1,112 | $538K | — |
| IEFA iShares Core MSCI Eafe ETF | 0.31% | 5,587 | $500K | — |
| ILCV iShares Morningstar Value Et | 0.30% | 5,279 | $498K | — |
| RSG Republic Services Inc. | 0.24% | 1,869 | $396K | — |
| VOTE TCW Transform 500 ETF | 0.23% | 4,761 | $382K | — |
| ISTB iShares Core 1-5 Year Usd Bo | 0.21% | 6,883 | $336K | — |
| XLK SS Technology Select Sector | 0.20% | 2,232 | $321K | — |
| VBR Vngrd Mrngst SL-CP Val ETF-U | 0.19% | 1,490 | $316K | — |
| NVDA Nvidia Corp. | 0.19% | 1,665 | $311K | — |
| FEOE First Eagle Overseas Eq ETF | 0.19% | 6,306 | $305K | — |
| VTI VG Morningstar TS MKT ETF-US | 0.17% | 828 | $278K | — |
| AMZN Amazon.com Inc. | 0.16% | 1,161 | $268K | — |
| JPM JPMorgan Chase & Co. | 0.16% | 809 | $261K | — |
| ESGU iShares ESG Aware MSCI USA | 0.16% | 1,732 | $258K | — |
| GOOGL Alphabet Inc. Class A | 0.14% | 745 | $233K | — |
| TXN Texas Instruments Inc. | 0.14% | 1,326 | $230K | — |
| AVGO Broadcom Inc. | 0.14% | 663 | $229K | — |
| GOOG Alphabet Inc. Class C | 0.13% | 657 | $206K | — |
Portfolio Sells Q4 2025
No earlier filing to compare with.
Portfolio Buys Q4 2025
No earlier filing to compare with.