Planned Solutions, Inc.

In its 13F for Q4 2025 (holdings as of December 31, 2025, filed January 28, 2026), Planned Solutions, Inc. reported 138 stock positions worth $309.3 million. Its top holding was iShares Core S&P Total U.S. (ITOT) at 10.4% of the portfolio, followed by Vaneck Morningstar Wide Moat (MOAT, 9.8%) and Schwab Fndmntl US LRG Co. ETF (FNDX, 9.2%). Compared with Q3 2025, it opened 8 new positions, sold out of 7, added to 64 and reduced 27. The biggest buy was iShares Core S&P Total U.S. (ITOT, shares +21%) and the biggest sale Vaneck Morningstar Wide Moat (MOAT, shares −2%).

Most Recent 13F
Q2 2026
Location
FOLSOM, CA
CIK
0001831332
Portfolio Value
$309.3M (Q4 2025)
SEC Filing
0001831332-26-000001 ↗ filed Jan 28, 2026

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 Q3 2025 Q4 2025: $309.3M $309.3M Q4 2025 Q1 2026: $303.0M Q1 2026 Q2 2026: $347.6M Q2 2026

Holdings 138 stocks · $309.3M
ITOT iShares Core S&P Total U.S. 10.40% 216,375 $32.2M Add +20.9%
MOAT Vaneck Morningstar Wide Moat 9.77% 291,739 $30.2M Reduce -2.3%
FNDX Schwab Fndmntl US LRG Co. ETF 9.24% 1,049,879 $28.6M Reduce -1.3%
JPIE JPMorgan Income ETF 7.78% 519,501 $24.0M Add +4.4%
GARP iShares MSCI USA Quality Gar 5.18% 235,258 $16.0M Add +1.9%
IVW iShares S&P 500 Growth ETF 5.09% 127,788 $15.8M Add +13.4%
QQQ Invesco QQQ Trust Series 1 4.33% 21,809 $13.4M Add +1.4%
IEFA iShares Core MSCI Eafe ETF 3.72% 128,512 $11.5M Add +24.8%
AVUV Avantis US Small Cap Value 2.53% 76,637 $7.8M Add +13.3%
HELO JPMorgan Hedged Equity ETF 2.36% 109,853 $7.3M Add +0.3%
JVAL JPMorgan US Value Factor ETF 2.31% 145,416 $7.1M Reduce -1.2%
MINT PIMCO Enhanced Short Maturit 2.19% 67,545 $6.8M Add +0.8%
AAPL Apple Inc. 1.95% 22,206 $6.0M Add +12.6%
IVVB iShares Large Cap Deep Quart 1.95% 182,278 $6.0M Reduce -2.5%
BIV Vanguard Intermediate-Term B 1.61% 63,766 $5.0M Add +3.1%
VBIL Vanguard 0-3M T-Bill ETF 1.60% 65,470 $4.9M Reduce -5.1%
NVDA Nvidia Corp. 1.48% 24,571 $4.6M Add +4.0%
RSST Return Stacked US SM FTR ETF 1.14% 124,806 $3.5M Reduce -5.2%
ESTC Elastic NV 1.09% 44,870 $3.4M No change
SCHB Schwab US Broad Market ETF 1.06% 124,578 $3.3M Add +4.2%
SGOV iShares 0-3 Month Treasury B 0.94% 29,068 $2.9M Add +5.5%
MSFT Microsoft Corp. 0.88% 5,638 $2.7M Reduce -0.7%
CAM AB California Inter Muni ETF filed as AB ACTIVE ETFS INC 0.85% 105,237 $2.6M New
LLY Eli Lilly & Co. 0.73% 2,091 $2.2M Reduce -4.5%
ITW Illinois Tool Works 0.65% 8,105 $2.0M Add +0.1%
GOOG Alphabet Inc. Class C 0.59% 5,826 $1.8M Add +0.3%
IWM iShares Russell 2000 ETF 0.50% 6,233 $1.5M Add +0.3%
SCHF Schwab Intl Equity ETF 0.49% 63,033 $1.5M Add +1.3%
SPGP Invesco S&P 500 Garp ETF 0.47% 12,807 $1.5M Reduce -0.9%
DVY iShares Select Dividend ETF 0.44% 9,716 $1.4M Reduce -5.0%
META Meta Platforms Inc. Class A 0.43% 2,014 $1.3M Add +1.6%
SCHA Schwab US Small-Cap ETF 0.43% 46,496 $1.3M Add +0.0%
IVV iShares Core S&P 500 ETF 0.41% 1,874 $1.3M Reduce -9.8%
MTUM iShares MSCI USA Momentum Fa 0.41% 5,109 $1.3M Add +0.0%
IBM Intl Business Machines Corp. filed as INTERNATIONAL BUSINESS MACHS 0.37% 3,883 $1.2M Add +0.7%
LRGF iShares US Equity Factor ETF 0.36% 16,026 $1.1M Reduce -15.0%
BRK.B Berkshire Hathaway Inc. Class B 0.31% 1,902 $956K No change
CAT Caterpillar Inc. 0.30% 1,615 $925K Add +71.8%
POWR iShares US Power Infrastruct 0.29% 38,209 $899K Reduce -0.0%
JPM JPMorgan Chase & Co. 0.28% 2,733 $881K Add +16.6%
JNJ Johnson & Johnson 0.28% 4,215 $872K Reduce -1.2%
GNMA iShares Gnma Bond ETF 0.26% 17,906 $798K Reduce -6.9%
GCAL Dynamic California Muni ETF 0.26% 15,624 $795K Add +39.4%
MCD McDonald's Corp. 0.26% 2,600 $795K Add +29.0%
IDV iShares International Select 0.25% 19,831 $782K Reduce -4.4%
NFLX Netflix Inc. 0.24% 7,940 $744K No change
TIP iShares Tips Bond ETF 0.24% 6,707 $737K No change
IJH iShares Core S&P Midcap ETF 0.24% 11,033 $728K Add +0.3%
ANET Arista Networks Inc. 0.23% 5,436 $712K Add +3.4%
VEA Vanguard Ftse Developed ETF 0.23% 11,329 $708K Reduce -1.4%
MRK Merck & Co. Inc. 0.23% 6,636 $699K Add +13.6%
VTV Vanguard Mrngstr Val ETF-Aui 0.22% 3,638 $695K Add +1.3%
VUG Vanguard Mrngstar GR ETF-Sui 0.22% 1,397 $682K Add +3.6%
AGG iShares Core U.S. Aggregate 0.22% 6,750 $674K Add +3.7%
GOOGL Alphabet Inc. Class A 0.22% 2,139 $670K Add +0.7%
PG The Procter & Gamble Co. 0.21% 4,569 $655K Add +7.8%
WMT Walmart Inc. 0.20% 5,652 $630K Add +4.1%
SCHO Schwab Short-Term US Treas 0.20% 25,696 $626K Reduce -20.9%
COST Costco Wholesale Corp. 0.20% 724 $624K Add +45.1%
BAC Bank of America Corp. filed as BANK AMERICA CORP 0.20% 11,319 $623K Add +9.8%
CSCO Cisco Systems Inc. 0.20% 8,001 $616K Add +33.7%
AXON Axon Enterprise Inc. 0.20% 1,080 $613K Reduce -7.8%
QQQM Invesco Nasdaq 100 ETF 0.19% 2,332 $590K Reduce -6.1%
VIG Vanguard Dividend Apprec ETF 0.19% 2,639 $580K Add +0.0%
V Visa Inc. Class A 0.18% 1,598 $560K Add +2.0%
CVX Chevron Corp. 0.17% 3,478 $530K Add +2.8%
SPY SS SPDR S&P 500 ETF Trust-US 0.17% 774 $528K No change
GS Goldman Sachs Group Inc. 0.17% 600 $527K No change
XOM Exxon Mobil Corp. 0.17% 4,287 $516K No change
MOTI Vaneck Mstar Int Moat ETF 0.17% 14,007 $514K No change
SCHD Schwab US DVD Equity ETF 0.16% 17,583 $482K Reduce -43.0%
AMZN Amazon.com Inc. 0.15% 2,048 $473K Add +7.1%
WFC Wells Fargo & Co. 0.15% 5,058 $471K Add +13.5%
INTU Intuit Inc. 0.14% 672 $445K No change
TSLA Tesla Inc. 0.14% 980 $441K Add +1.3%
AMGN Amgen Inc. 0.14% 1,328 $435K New
LQD Ishr Ibx Usd Invgd CB ETF-Ui 0.14% 3,942 $434K No change
PHM Pultegroup Inc. 0.14% 3,702 $434K Add +9.7%
MU Micron Technology Inc. 0.14% 1,518 $433K New
WELL Welltower Inc. 0.14% 2,307 $428K No change
ABT Abbott Laboratories 0.14% 3,368 $422K Add +3.0%
AMAT Applied Materials Inc. 0.13% 1,592 $409K No change
QCOM Qualcomm Inc. 0.13% 2,348 $402K Add +2.7%
JAAA Janus Henderson Aaa Clo ETF 0.13% 7,783 $394K Reduce -25.6%
NUE Nucor Corp. 0.13% 2,381 $388K No change
MCK McKesson Corp. 0.12% 463 $380K No change
GILD Gilead Sciences Inc. 0.11% 2,888 $354K Reduce -8.5%
CB Chubb Ltd. 0.11% 1,130 $353K Add +21.5%
IYY iShares Dow Jones U.S. ETF 0.11% 2,106 $349K No change
DHI D.R. Horton Inc. 0.11% 2,414 $348K No change
RPV Invesco S&P 500 Pure Value E 0.11% 3,359 $347K Reduce -10.0%
CINF Cincinnati Financial Corp. 0.11% 2,105 $344K Add +5.1%
SNA Snap-on Inc. 0.11% 990 $341K Add +1.5%
VEU Vanguard Ftse All-World Ex-U 0.11% 4,492 $330K No change
SRLN SS Blackstone Sr Loan ETF 0.10% 7,777 $321K Reduce -14.8%
GRMN Garmin Ltd. 0.10% 1,534 $311K Add +4.1%
CALM Cal-Maine Foods Inc. 0.10% 3,877 $308K Add +0.2%
SYF Synchrony Financial 0.10% 3,690 $308K No change
VTR Ventas Inc. 0.10% 3,977 $308K No change
LRCX Lam Research Corp. 0.10% 1,720 $294K No change

Show all 138 holdings

Options reported separately and not counted above: ITW puts ($2.5M).

Portfolio Sells Q3 2025 → Q4 2025
MOAT Vaneck Morningstar Wide Moat Reduce -2.3% 9.77% −0.50
FNDX Schwab Fndmntl US LRG Co. ETF Reduce -1.3% 9.24% −0.47
VBIL Vanguard 0-3M T-Bill ETF Reduce -5.1% 1.60% −0.21
IVVB iShares Large Cap Deep Quart Reduce -2.5% 1.95% −0.17
MSFT Microsoft Corp. Reduce -0.7% 0.88% −0.14
SCHD Schwab US DVD Equity ETF Reduce -43.0% 0.16% −0.14
JVAL JPMorgan US Value Factor ETF Reduce -1.2% 2.31% −0.12
CEG Constellation Energy Sold out 0.00% −0.11
AXON Axon Enterprise Inc. Reduce -7.8% 0.20% −0.09
LRGF iShares US Equity Factor ETF Reduce -15.0% 0.36% −0.09
SHV iShares 0-1 Year Treasury Bo Sold out 0.00% −0.09
PRDO Perdoceo Education Corp. Sold out 0.00% −0.08
EXC Exelon Corp. Sold out 0.00% −0.08
SCHO Schwab Short-Term US Treas Reduce -20.9% 0.20% −0.07
NEU Newmarket Corp. Sold out 0.00% −0.07
AEP American Electric Power Sold out 0.00% −0.07
WSM Williams-Sonoma Inc. Sold out 0.00% −0.07
IVV iShares Core S&P 500 ETF Reduce -9.8% 0.41% −0.07
RSST Return Stacked US SM FTR ETF Reduce -5.2% 1.14% −0.06
DVY iShares Select Dividend ETF Reduce -5.0% 0.44% −0.06
JAAA Janus Henderson Aaa Clo ETF Reduce -25.6% 0.13% −0.06
SCHE Schwab Emrg Mrkts Eqty ETF Reduce -26.0% 0.09% −0.04
POWR iShares US Power Infrastruct Reduce -0.0% 0.29% −0.04
GNMA iShares Gnma Bond ETF Reduce -6.9% 0.26% −0.04
SPGP Invesco S&P 500 Garp ETF Reduce -0.9% 0.47% −0.04
SRLN SS Blackstone Sr Loan ETF Reduce -14.8% 0.10% −0.03
QQQM Invesco Nasdaq 100 ETF Reduce -6.1% 0.19% −0.02
RPV Invesco S&P 500 Pure Value E Reduce -10.0% 0.11% −0.02
IDV iShares International Select Reduce -4.4% 0.25% −0.01
VEA Vanguard Ftse Developed ETF Reduce -1.4% 0.23% −0.01
INTC Intel Corp. Reduce -12.8% 0.07% −0.01
GILD Gilead Sciences Inc. Reduce -8.5% 0.11% −0.01
JNJ Johnson & Johnson Reduce -1.2% 0.28% +0.01
LLY Eli Lilly & Co. Reduce -4.5% 0.73% +0.15

Portfolio Buys Q3 2025 → Q4 2025
ITOT iShares Core S&P Total U.S. Add +20.9% 10.40% +1.36
CAM AB California Inter Muni ETF New 0.85% +0.85
IEFA iShares Core MSCI Eafe ETF Add +24.8% 3.72% +0.60
IVW iShares S&P 500 Growth ETF Add +13.4% 5.09% +0.37
AAPL Apple Inc. Add +12.6% 1.95% +0.21
AVUV Avantis US Small Cap Value Add +13.3% 2.53% +0.19
CAT Caterpillar Inc. Add +71.8% 0.30% +0.14
AMGN Amgen Inc. New 0.14% +0.14
MU Micron Technology Inc. New 0.14% +0.14
GOOG Alphabet Inc. Class C Add +0.3% 0.59% +0.10
CGGR Cap Group Growth Equity New 0.08% +0.08
TMO Thermo Fisher Scientific Inc. New 0.07% +0.07
MS Morgan Stanley New 0.07% +0.07
COF Capital One Financial Corp. New 0.07% +0.07
GE General Electric New 0.07% +0.07
GCAL Dynamic California Muni ETF Add +39.4% 0.26% +0.06
CSCO Cisco Systems Inc. Add +33.7% 0.20% +0.06
MRK Merck & Co. Inc. Add +13.6% 0.23% +0.06
MCD McDonald's Corp. Add +29.0% 0.26% +0.04
COST Costco Wholesale Corp. Add +45.1% 0.20% +0.04
GOOGL Alphabet Inc. Class A Add +0.7% 0.22% +0.04
JPM JPMorgan Chase & Co. Add +16.6% 0.28% +0.03
CB Chubb Ltd. Add +21.5% 0.11% +0.02
WFC Wells Fargo & Co. Add +13.5% 0.15% +0.02
BAC Bank of America Corp. Add +9.8% 0.20% +0.02
WMT Walmart Inc. Add +4.1% 0.20% +0.01
AMZN Amazon.com Inc. Add +7.1% 0.15% +0.01
CINF Cincinnati Financial Corp. Add +5.1% 0.11% +0.00
PNC PNC Financial Services Group Add +2.4% 0.08% −0.00
QCOM Qualcomm Inc. Add +2.7% 0.13% −0.00
SHEL Shell PLC-ADR Add +1.1% 0.09% −0.00
VCTR Victory Capital Holding - A Add +4.6% 0.07% −0.00
VUG Vanguard Mrngstar GR ETF-Sui Add +3.6% 0.22% −0.00
HSY The Hershey Co. Add +5.3% 0.09% −0.00
V Visa Inc. Class A Add +2.0% 0.18% −0.00
T AT&T Inc. Add +14.1% 0.07% −0.01
IBM Intl Business Machines Corp. Add +0.7% 0.37% −0.01
TSLA Tesla Inc. Add +1.3% 0.14% −0.01
VZ Verizon Communications Inc. Add +7.2% 0.08% −0.01
SNA Snap-on Inc. Add +1.5% 0.11% −0.01
VTV Vanguard Mrngstr Val ETF-Aui Add +1.3% 0.22% −0.01
DUK Duke Energy Corp. Add +1.5% 0.07% −0.01
AGG iShares Core U.S. Aggregate Add +3.7% 0.22% −0.01
SCHB Schwab US Broad Market ETF Add +4.2% 1.06% −0.01
TXN Texas Instruments Inc. Add +1.5% 0.08% −0.01
VIG Vanguard Dividend Apprec ETF Add +0.0% 0.19% −0.01
CVX Chevron Corp. Add +2.8% 0.17% −0.01
SCHF Schwab Intl Equity ETF Add +1.3% 0.49% −0.01
IJH iShares Core S&P Midcap ETF Add +0.3% 0.24% −0.01
PG The Procter & Gamble Co. Add +7.8% 0.21% −0.01

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