Planned Solutions, Inc.

In its 13F for Q3 2025 (holdings as of September 30, 2025, filed October 23, 2025), Planned Solutions, Inc. reported 137 stock positions worth $288.2 million. Its top holding was Vaneck Morningstar Wide Moat (MOAT) at 10.3% of the portfolio, followed by Schwab Fndmntl US LRG Co. ETF (FNDX, 9.7%) and iShares Core S&P Total U.S. (ITOT, 9.0%). Compared with Q2 2025, it opened 15 new positions, added to 58 and reduced 24. The biggest buy was iShares Core S&P Total U.S. (ITOT, shares +9%) and the biggest sale Vaneck Morningstar Wide Moat (MOAT, shares −2%).

Most Recent 13F
Q2 2026
Location
FOLSOM, CA
CIK
0001831332
Portfolio Value
$288.2M (Q3 2025)
SEC Filing
0001831332-25-000007 ↗ filed Oct 23, 2025

Holdings Value

0$100.0M$200.0M$300.0M$400.0M Q1 2024: $203.8M Q1 2024 Q2 2024: $203.5M Q2 2024 Q3 2024: $245.7M Q3 2024 Q4 2024: $244.6M Q4 2024 Q1 2025: $243.8M Q1 2025 Q2 2025: $260.4M Q2 2025 Q3 2025: $288.2M $288.2M Q3 2025 Q4 2025: $309.3M Q4 2025 Q1 2026: $303.0M Q1 2026 Q2 2026: $347.6M Q2 2026

Holdings 137 stocks · $288.2M
MOAT Vaneck Morningstar Wide Moat 10.27% 298,684 $29.6M Reduce -1.7%
FNDX Schwab Fndmntl US LRG Co. ETF 9.71% 1,063,885 $28.0M Add +0.2%
ITOT iShares Core S&P Total U.S. 9.04% 178,907 $26.1M Add +9.3%
JPIE JPMorgan Income ETF 8.01% 497,668 $23.1M Add +5.1%
GARP iShares MSCI USA Quality Gar 5.26% 230,784 $15.1M Add +2.0%
IVW iShares S&P 500 Growth ETF 4.72% 112,685 $13.6M Add +6.2%
QQQ Invesco QQQ Trust Series 1 4.48% 21,513 $12.9M Reduce -3.3%
IEFA iShares Core MSCI Eafe ETF 3.12% 102,984 $9.0M Add +10.4%
HELO JPMorgan Hedged Equity ETF 2.47% 109,511 $7.1M Add +3.6%
JVAL JPMorgan US Value Factor ETF 2.43% 147,163 $7.0M Reduce -3.6%
MINT PIMCO Enhanced Short Maturit 2.34% 67,004 $6.7M Add +1.8%
AVUV Avantis US Small Cap Value 2.34% 67,671 $6.7M Reduce -1.3%
IVVB iShares Large Cap Deep Quart 2.12% 187,028 $6.1M Add +0.4%
VBIL Vanguard 0-3M T-Bill ETF 1.81% 68,990 $5.2M Add +4.4%
AAPL Apple Inc. 1.74% 19,718 $5.0M Add +5.0%
BIV Vanguard Intermediate-Term B 1.68% 61,864 $4.8M Reduce -3.0%
NVDA Nvidia Corp. 1.53% 23,638 $4.4M Add +16.3%
ESTC Elastic NV 1.32% 44,870 $3.8M No change
RSST Return Stacked US SM FTR ETF 1.21% 131,580 $3.5M Add +0.4%
SCHB Schwab US Broad Market ETF 1.07% 119,538 $3.1M Add +1.3%
MSFT Microsoft Corp. 1.02% 5,680 $2.9M Add +14.2%
SGOV iShares 0-3 Month Treasury B 0.96% 27,551 $2.8M Add +27.1%
ITW Illinois Tool Works 0.73% 8,097 $2.1M No change
LLY Eli Lilly & Co. 0.58% 2,190 $1.7M Reduce -9.3%
IWM iShares Russell 2000 ETF 0.52% 6,216 $1.5M Add +0.2%
SPGP Invesco S&P 500 Garp ETF 0.51% 12,921 $1.5M Add +7.3%
META Meta Platforms Inc. Class A 0.51% 1,983 $1.5M No change
DVY iShares Select Dividend ETF 0.50% 10,224 $1.5M Add +5.7%
SCHF Schwab Intl Equity ETF 0.50% 62,197 $1.4M Add +1.5%
GOOG Alphabet Inc. Class C 0.49% 5,808 $1.4M Add +38.5%
IVV iShares Core S&P 500 ETF 0.48% 2,078 $1.4M Add +31.0%
MTUM iShares MSCI USA Momentum Fa 0.45% 5,108 $1.3M Add +0.0%
LRGF iShares US Equity Factor ETF 0.45% 18,846 $1.3M Reduce -1.8%
SCHA Schwab US Small-Cap ETF 0.45% 46,478 $1.3M Reduce -0.1%
IBM Intl Business Machines Corp. filed as INTERNATIONAL BUSINESS MACHS 0.38% 3,858 $1.1M Add +2.7%
POWR iShares US Power Infrastruct 0.33% 38,212 $959K Add +1.4%
BRK.B Berkshire Hathaway Inc. Class B 0.33% 1,902 $956K Add +10.0%
NFLX Netflix Inc. 0.33% 794 $952K Add +0.9%
GNMA iShares Gnma Bond ETF 0.30% 19,225 $853K Add +12.8%
SCHD Schwab US DVD Equity ETF 0.29% 30,838 $842K Add +22.2%
AXON Axon Enterprise Inc. 0.29% 1,171 $840K No change
SCHO Schwab Short-Term US Treas 0.28% 32,501 $793K Reduce -0.7%
JNJ Johnson & Johnson 0.27% 4,266 $791K Add +2.8%
ANET Arista Networks Inc. 0.27% 5,260 $766K No change
IDV iShares International Select 0.26% 20,735 $758K Add +2.4%
TIP iShares Tips Bond ETF 0.26% 6,707 $746K No change
JPM JPMorgan Chase & Co. 0.26% 2,343 $739K Reduce -0.6%
IJH iShares Core S&P Midcap ETF 0.25% 10,994 $717K Add +0.2%
VEA Vanguard Ftse Developed ETF 0.24% 11,487 $688K Reduce -6.2%
VTV Vanguard Mrngstr Val ETF-Aui 0.23% 3,592 $670K No change
AGG iShares Core U.S. Aggregate 0.23% 6,511 $653K Add +3.5%
PG The Procter & Gamble Co. 0.23% 4,237 $651K Add +2.3%
VUG Vanguard Mrngstar GR ETF-Sui 0.22% 1,349 $647K Reduce -17.0%
QQQM Invesco Nasdaq 100 ETF 0.21% 2,483 $614K Reduce -13.3%
MCD McDonald's Corp. 0.21% 2,015 $612K No change
VIG Vanguard Dividend Apprec ETF 0.20% 2,638 $569K Add +2.6%
GCAL Dynamic California Muni ETF 0.20% 11,206 $568K Add +41.3%
WMT Walmart Inc. 0.19% 5,429 $560K Add +0.0%
V Visa Inc. Class A 0.19% 1,567 $535K No change
BAC Bank of America Corp. filed as BANK AMERICA CORP 0.18% 10,307 $532K No change
JAAA Janus Henderson Aaa Clo ETF 0.18% 10,461 $531K Add +19.7%
CVX Chevron Corp. 0.18% 3,383 $525K Add +5.0%
MOTI Vaneck Mstar Int Moat ETF 0.18% 14,007 $519K No change
GOOGL Alphabet Inc. Class A 0.18% 2,124 $516K New
SPY SS SPDR S&P 500 ETF Trust-US 0.18% 774 $516K Reduce -7.6%
MRK Merck & Co. Inc. 0.17% 5,840 $490K Add +0.1%
XOM Exxon Mobil Corp. 0.17% 4,287 $483K Add +4.3%
GS Goldman Sachs Group Inc. 0.17% 600 $478K No change
COST Costco Wholesale Corp. 0.16% 499 $462K Add +2.0%
INTU Intuit Inc. 0.16% 672 $459K No change
CAT Caterpillar Inc. 0.16% 940 $449K Add +46.0%
PHM Pultegroup Inc. 0.15% 3,375 $446K Reduce -4.0%
LQD Ishr Ibx Usd Invgd CB ETF-Ui 0.15% 3,942 $439K No change
ABT Abbott Laboratories 0.15% 3,270 $438K Add +2.8%
TSLA Tesla Inc. 0.15% 967 $430K No change
AMZN Amazon.com Inc. 0.15% 1,913 $420K Add +38.9%
WELL Welltower Inc. 0.14% 2,307 $411K No change
CSCO Cisco Systems Inc. 0.14% 5,984 $409K Add +3.6%
DHI D.R. Horton Inc. 0.14% 2,414 $409K No change
QCOM Qualcomm Inc. 0.13% 2,287 $380K Add +8.5%
SRLN SS Blackstone Sr Loan ETF 0.13% 9,131 $380K Add +2.8%
SCHE Schwab Emrg Mrkts Eqty ETF 0.13% 11,351 $379K Reduce -3.5%
WFC Wells Fargo & Co. 0.13% 4,458 $374K Add +35.5%
RPV Invesco S&P 500 Pure Value E 0.13% 3,734 $371K No change
CALM Cal-Maine Foods Inc. 0.13% 3,870 $364K Reduce -4.7%
GRMN Garmin Ltd. 0.13% 1,474 $363K Reduce -4.8%
MCK McKesson Corp. 0.12% 463 $358K No change
GILD Gilead Sciences Inc. 0.12% 3,157 $350K No change
IYY iShares Dow Jones U.S. ETF 0.12% 2,106 $342K No change
SNA Snap-on Inc. 0.12% 975 $338K Add +2.6%
AMAT Applied Materials Inc. 0.11% 1,592 $326K Add +0.1%
ORCL Oracle Corp. 0.11% 1,150 $323K Add +21.1%
NUE Nucor Corp. 0.11% 2,381 $322K Reduce -0.5%
VEU Vanguard Ftse All-World Ex-U 0.11% 4,492 $321K No change
CINF Cincinnati Financial Corp. 0.11% 2,002 $317K Add +3.1%
CEG Constellation Energy 0.11% 961 $316K New
CF CF Industries Holdings Inc. filed as CF INDS HLDGS INC 0.11% 3,493 $313K Add +3.0%
PSA Public Storage 0.11% 1,050 $303K Add +10.9%
AEM Agnico Eagle Mines Ltd. 0.10% 1,688 $285K No change
VTR Ventas Inc. 0.10% 3,977 $278K No change

Show all 137 holdings

Options reported separately and not counted above: ITW puts ($2.6M).

Portfolio Sells Q2 2025 → Q3 2025
MOAT Vaneck Morningstar Wide Moat Reduce -1.7% 10.27% −0.67
QQQ Invesco QQQ Trust Series 1 Reduce -3.3% 4.48% −0.23
BIV Vanguard Intermediate-Term B Reduce -3.0% 1.68% −0.22
JVAL JPMorgan US Value Factor ETF Reduce -3.6% 2.43% −0.17
LLY Eli Lilly & Co. Reduce -9.3% 0.58% −0.14
AVUV Avantis US Small Cap Value Reduce -1.3% 2.34% −0.06
VUG Vanguard Mrngstar GR ETF-Sui Reduce -17.0% 0.22% −0.05
QQQM Invesco Nasdaq 100 ETF Reduce -13.3% 0.21% −0.04
SCHO Schwab Short-Term US Treas Reduce -0.7% 0.28% −0.03
VEA Vanguard Ftse Developed ETF Reduce -6.2% 0.24% −0.03
CALM Cal-Maine Foods Inc. Reduce -4.7% 0.13% −0.03
LRGF iShares US Equity Factor ETF Reduce -1.8% 0.45% −0.02
SPY SS SPDR S&P 500 ETF Trust-US Reduce -7.6% 0.18% −0.02
CB Chubb Ltd. Reduce -4.1% 0.09% −0.02
SNY Sanofi-ADR Reduce -7.1% 0.07% −0.02
NUE Nucor Corp. Reduce -0.5% 0.11% −0.01
AEP American Electric Power Reduce -6.5% 0.07% −0.01
RF Regions Financial Corp. Reduce -7.9% 0.09% −0.01
JPM JPMorgan Chase & Co. Reduce -0.6% 0.26% −0.01
SCHE Schwab Emrg Mrkts Eqty ETF Reduce -3.5% 0.13% −0.00
PKG Packaging Corp. of America Reduce -8.4% 0.08% −0.00
SCHA Schwab US Small-Cap ETF Reduce -0.1% 0.45% −0.00
GRMN Garmin Ltd. Reduce -4.8% 0.13% +0.00
PHM Pultegroup Inc. Reduce -4.0% 0.15% +0.01

Portfolio Buys Q2 2025 → Q3 2025
ITOT iShares Core S&P Total U.S. Add +9.3% 9.04% +0.55
NVDA Nvidia Corp. Add +16.3% 1.53% +0.30
AAPL Apple Inc. Add +5.0% 1.74% +0.26
IVW iShares S&P 500 Growth ETF Add +6.2% 4.72% +0.23
GOOG Alphabet Inc. Class C Add +38.5% 0.49% +0.21
GOOGL Alphabet Inc. Class A New 0.18% +0.18
IEFA iShares Core MSCI Eafe ETF Add +10.4% 3.12% +0.13
SGOV iShares 0-3 Month Treasury B Add +27.1% 0.96% +0.12
CEG Constellation Energy New 0.11% +0.11
IVV iShares Core S&P 500 ETF Add +31.0% 0.48% +0.10
SHEL Shell PLC-ADR New 0.10% +0.10
SHV iShares 0-1 Year Treasury Bo New 0.09% +0.09
EIX Edison International New 0.09% +0.09
TSM Taiwan Semiconductor-SP ADR New 0.08% +0.08
IWN iShares Russell 2000 Value E New 0.08% +0.08
LRCX Lam Research Corp. New 0.08% +0.08
T AT&T Inc. New 0.08% +0.08
EXC Exelon Corp. New 0.08% +0.08
INTC Intel Corp. New 0.08% +0.08
STLD Steel Dynamics Inc. New 0.08% +0.08
NEU Newmarket Corp. New 0.07% +0.07
WSM Williams-Sonoma Inc. New 0.07% +0.07
MSFT Microsoft Corp. Add +14.2% 1.02% +0.07
FSK FS KKR Capital Corp. New 0.07% +0.07
CAT Caterpillar Inc. Add +46.0% 0.16% +0.06
GCAL Dynamic California Muni ETF Add +41.3% 0.20% +0.05
SCHD Schwab US DVD Equity ETF Add +22.2% 0.29% +0.04
RSST Return Stacked US SM FTR ETF Add +0.4% 1.21% +0.03
ORCL Oracle Corp. Add +21.1% 0.11% +0.03
JNJ Johnson & Johnson Add +2.8% 0.27% +0.03
AMZN Amazon.com Inc. Add +38.9% 0.15% +0.03
WFC Wells Fargo & Co. Add +35.5% 0.13% +0.03
JAAA Janus Henderson Aaa Clo ETF Add +19.7% 0.18% +0.01
SPGP Invesco S&P 500 Garp ETF Add +7.3% 0.51% +0.01
DVY iShares Select Dividend ETF Add +5.7% 0.50% +0.01
GARP iShares MSCI USA Quality Gar Add +2.0% 5.26% +0.01
BRK.B Berkshire Hathaway Inc. Class B Add +10.0% 0.33% +0.01
GNMA iShares Gnma Bond ETF Add +12.8% 0.30% +0.01
IWM iShares Russell 2000 ETF Add +0.2% 0.52% +0.01
CVX Chevron Corp. Add +5.0% 0.18% +0.01
SNA Snap-on Inc. Add +2.6% 0.12% +0.00
QCOM Qualcomm Inc. Add +8.5% 0.13% +0.00
HSY The Hershey Co. Add +0.1% 0.09% +0.00
AMAT Applied Materials Inc. Add +0.1% 0.11% +0.00
PNC PNC Financial Services Group Add +4.1% 0.08% +0.00
CINF Cincinnati Financial Corp. Add +3.1% 0.11% −0.00
PSA Public Storage Add +10.9% 0.11% −0.00
XOM Exxon Mobil Corp. Add +4.3% 0.17% −0.00
VCTR Victory Capital Holding - A Add +3.4% 0.08% −0.00
VIG Vanguard Dividend Apprec ETF Add +2.6% 0.20% −0.00

All Filings

QuarterPositions13F Reported ValueTop Holdings
Q2 2026 154$347.6MITOT, FNDX, MOAT, JPIE, GARP
Q1 2026 138$303.0MITOT, FNDX, MOAT, JPIE, GARP
Q4 2025 138$309.3MITOT, MOAT, FNDX, JPIE, GARP
Q3 2025 137$288.2MMOAT, FNDX, ITOT, JPIE, GARP
Q2 2025 122$260.4MMOAT, FNDX, ITOT, JPIE, GARP
Q1 2025 112$243.8MMOAT, FNDX, JPIE, ITOT, QQQ
Q4 2024 110$244.6MMOAT, FNDX, JPIE, ITOT, QQQ
Q3 2024 657$245.7MMOAT, FNDX, ITOT, JPIE, BIV
Q2 2024 102$203.5MMOAT, FNDX, ITOT, JPIE, BIV
Q1 2024 101$203.8MMOAT, FNDX, ITOT, JPIE, BIV