Pearl Planning LLC

In its 13F for Q1 2026 (holdings as of March 31, 2026, filed April 30, 2026), Pearl Planning LLC reported 52 stock positions worth $187.1 million. Its top holding was Vanguard S&P 500 ETF (VOO) at 13.6% of the portfolio, followed by Avantis International Equity (AVDE, 10.5%) and JPMorgan Income ETF (JPIE, 8.8%). Compared with Q4 2025, it opened 2 new positions, sold out of 2, added to 18 and reduced 20. The biggest buy was a new position in JPMorgan Income ETF (JPIE) and the biggest sale Vanguard Total Bond Market (BND, shares −86%).

Most Recent 13F
Q2 2026
Location
DEXTER, MI
CIK
0002100519
Portfolio Value
$187.1M (Q1 2026)
SEC Filing
0002100519-26-000003 ↗ filed Apr 30, 2026

Holdings Value

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

Holdings 52 stocks · $187.1M
VOO Vanguard S&P 500 ETF 13.64% 42,723 $25.5M Add +4.6%
AVDE Avantis International Equity 10.48% 231,116 $19.6M Add +11.3%
JPIE JPMorgan Income ETF 8.82% 358,146 $16.5M New
FBND Fidelity Total Bond ETF 8.56% 351,175 $16.0M New
VTV Vanguard Mrngstr Val ETF-Aui 7.68% 73,197 $14.4M Add +0.0%
VO Vngrd Mrngstr MD-Cap ETF-Usd 6.78% 44,153 $12.7M Add +5.7%
FRDM Freedom 100 Emeging MRKT ETF 5.15% 176,261 $9.6M Reduce -3.9%
DGRO iShares Core Dividend Growth 4.00% 106,525 $7.5M Add +4.8%
AVUV Avantis US Small Cap Value 3.86% 65,339 $7.2M Add +2.4%
ESGV Vanguard ESG US Stock ETF 3.52% 58,628 $6.6M Add +2.9%
BOXX Alpha Architect 1-3 MNTH Box 3.11% 50,006 $5.8M Add +1.7%
QQQM Invesco Nasdaq 100 ETF 2.68% 21,086 $5.0M Add +4.5%
TMSL T.rowe PRC Small-Mid Cap ETF 2.35% 120,078 $4.4M Add +4.6%
BSV Vanguard Short-Term Bond ETF 1.66% 39,551 $3.1M Add +20.7%
BIL SS SPDR BB 1-3M T-Bill ETF 1.65% 33,709 $3.1M Reduce -2.5%
QQQ Invesco QQQ Trust Series 1 1.54% 4,990 $2.9M Reduce -0.3%
VCEB Vanguard ESG US Corp. Bond 1.39% 41,504 $2.6M Add +14.7%
QQMG Invesco ESG Nasdaq 100 1.20% 56,942 $2.3M Add +7.8%
BND Vanguard Total Bond Market 1.09% 27,663 $2.0M Reduce -86.1%
ESML iShares ESG Aware MSCI USA S 1.09% 43,298 $2.0M Add +3.2%
MUB iShares National Muni Bond E 0.97% 17,134 $1.8M Reduce -1.2%
BIV Vanguard Intermediate-Term B 0.62% 15,069 $1.2M No change
QUAL iShares MSCI USA Quality Fac 0.58% 5,678 $1.1M Reduce -6.3%
IDMO Invesco S&P International DE 0.49% 16,808 $922K Add +5.6%
VB Vanguard Most SM-Cap ETF-Usd 0.48% 3,442 $902K Reduce -0.1%
IVV iShares Core S&P 500 ETF 0.47% 1,352 $883K Reduce -0.1%
VEA Vanguard Ftse Developed ETF 0.41% 12,077 $774K Reduce -0.0%
AGG iShares Core U.S. Aggregate 0.39% 7,427 $737K Reduce -2.3%
AVSC Avantis US Small Cap Equity 0.38% 11,305 $704K Add +3.5%
XMHQ Invesco S&P Midcap Qual ETF 0.37% 6,780 $701K Reduce -28.7%
IJH iShares Core S&P Midcap ETF 0.37% 10,188 $688K Reduce -1.3%
IBM Intl Business Machines Corp. filed as INTERNATIONAL BUSINESS MACHS 0.36% 2,754 $668K Reduce -7.5%
AAPL Apple Inc. 0.34% 2,471 $627K Add +0.9%
IWF iShares Russell 1000 Growth 0.32% 1,418 $605K No change
IEFA iShares Core MSCI Eafe ETF 0.27% 5,587 $506K No change
ILCV iShares Morningstar Value Et 0.26% 5,279 $492K No change
ORCL Oracle Corp. 0.24% 3,023 $445K Reduce -1.1%
META Meta Platforms Inc. Class A 0.22% 732 $419K Reduce -11.4%
RSG Republic Services Inc. 0.22% 1,869 $409K No change
MSFT Microsoft Corp. 0.21% 1,085 $402K Reduce -2.4%
VOTE TCW Transform 500 ETF 0.19% 4,761 $363K No change
ISTB iShares Core 1-5 Year Usd Bo 0.18% 6,883 $334K No change
VBR Vngrd Mrngst SL-CP Val ETF-U 0.17% 1,490 $324K No change
FEOE First Eagle Overseas Eq ETF 0.17% 6,306 $318K No change
XLK SS Technology Select Sector 0.16% 2,232 $297K No change
NVDA Nvidia Corp. 0.16% 1,664 $290K Reduce -0.1%
VTI VG Morningstar TS MKT ETF-US 0.14% 808 $259K Reduce -2.4%
ESGU iShares ESG Aware MSCI USA 0.13% 1,732 $245K No change
JPM JPMorgan Chase & Co. 0.13% 809 $238K No change
AMZN Amazon.com Inc. 0.12% 1,070 $223K Reduce -7.8%
AVGO Broadcom Inc. 0.11% 674 $209K Add +1.7%
GOOGL Alphabet Inc. Class A 0.11% 725 $208K Reduce -2.7%

Portfolio Sells Q4 2025 → Q1 2026
BND Vanguard Total Bond Market Reduce -86.1% 1.09% −7.90
FRDM Freedom 100 Emeging MRKT ETF Reduce -3.9% 5.15% −0.60
QQQ Invesco QQQ Trust Series 1 Reduce -0.3% 1.54% −0.34
BIL SS SPDR BB 1-3M T-Bill ETF Reduce -2.5% 1.65% −0.28
XMHQ Invesco S&P Midcap Qual ETF Reduce -28.7% 0.37% −0.22
IBM Intl Business Machines Corp. Reduce -7.5% 0.36% −0.18
MUB iShares National Muni Bond E Reduce -1.2% 0.97% −0.16
QUAL iShares MSCI USA Quality Fac Reduce -6.3% 0.58% −0.15
TXN Texas Instruments Inc. Sold out 0.00% −0.14
ORCL Oracle Corp. Reduce -1.1% 0.24% −0.13
GOOG Alphabet Inc. Class C Sold out 0.00% −0.13
MSFT Microsoft Corp. Reduce -2.4% 0.21% −0.11
META Meta Platforms Inc. Class A Reduce -11.4% 0.22% −0.11
IVV iShares Core S&P 500 ETF Reduce -0.1% 0.47% −0.09
AGG iShares Core U.S. Aggregate Reduce -2.3% 0.39% −0.07
VB Vanguard Most SM-Cap ETF-Usd Reduce -0.1% 0.48% −0.06
IJH iShares Core S&P Midcap ETF Reduce -1.3% 0.37% −0.05
VEA Vanguard Ftse Developed ETF Reduce -0.0% 0.41% −0.05
AMZN Amazon.com Inc. Reduce -7.8% 0.12% −0.04
NVDA Nvidia Corp. Reduce -0.1% 0.16% −0.03
GOOGL Alphabet Inc. Class A Reduce -2.7% 0.11% −0.03
VTI VG Morningstar TS MKT ETF-US Reduce -2.4% 0.14% −0.03

Portfolio Buys Q4 2025 → Q1 2026
JPIE JPMorgan Income ETF New 8.82% +8.82
FBND Fidelity Total Bond ETF New 8.56% +8.56
BSV Vanguard Short-Term Bond ETF Add +20.7% 1.66% +0.08
AVDE Avantis International Equity Add +11.3% 10.48% +0.03
VCEB Vanguard ESG US Corp. Bond Add +14.7% 1.39% −0.01
AVSC Avantis US Small Cap Equity Add +3.5% 0.38% −0.02
AVGO Broadcom Inc. Add +1.7% 0.11% −0.03
IDMO Invesco S&P International DE Add +5.6% 0.49% −0.05
AAPL Apple Inc. Add +0.9% 0.34% −0.07
ESML iShares ESG Aware MSCI USA S Add +3.2% 1.09% −0.09
AVUV Avantis US Small Cap Value Add +2.4% 3.86% −0.12
QQMG Invesco ESG Nasdaq 100 Add +7.8% 1.20% −0.17
TMSL T.rowe PRC Small-Mid Cap ETF Add +4.6% 2.35% −0.17
DGRO iShares Core Dividend Growth Add +4.8% 4.00% −0.32
BOXX Alpha Architect 1-3 MNTH Box Add +1.7% 3.11% −0.35
QQQM Invesco Nasdaq 100 ETF Add +4.5% 2.68% −0.44
VO Vngrd Mrngstr MD-Cap ETF-Usd Add +5.7% 6.78% −0.64
ESGV Vanguard ESG US Stock ETF Add +2.9% 3.52% −0.70
VTV Vanguard Mrngstr Val ETF-Aui Add +0.0% 7.68% −0.87
VOO Vanguard S&P 500 ETF Add +4.6% 13.64% −2.03

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