Planning Directions Inc.
In its 13F for Q3 2025 (holdings as of September 30, 2025, filed November 13, 2025), Planning Directions Inc. reported 93 stock positions worth $191.6 million. Its top holding was Schwab US DVD Equity ETF (SCHD) at 19.4% of the portfolio, followed by Vanguard Short-Term Bond ETF (BSV, 7.9%) and Vanguard Dividend Apprec ETF (VIG, 7.6%). Compared with Q2 2025, it opened 8 new positions, added to 43 and reduced 32. The biggest buy was a new position in iShares SH Dba ETF Usd (NEAR) and the biggest sale Vanguard Short-Term Bond ETF (BSV, shares −1%).
- Most Recent 13F
- Q2 2026
- Location
- GLEN MILLS, PA
- CIK
- 0000821103
- Portfolio Value
- $191.6M (Q3 2025)
- SEC Filing
- 0000821103-25-000002 ↗ filed Nov 13, 2025
Holdings Value
Holdings 93 stocks · $191.6M
| SCHD Schwab US DVD Equity ETF | 19.40% | 1,361,756 | $37.2M | Add +4.2% |
| BSV Vanguard Short-Term Bond ETF | 7.94% | 192,874 | $15.2M | Reduce -0.7% |
| VIG Vanguard Dividend Apprec ETF | 7.62% | 67,664 | $14.6M | Reduce -0.7% |
| UITB Victoryshares Core Intermedi | 5.99% | 241,373 | $11.5M | Add +6.2% |
| AAPL Apple Inc. | 5.72% | 43,052 | $11.0M | Reduce -0.3% |
| IJR iShares Core S&P Small-Cap E | 3.30% | 53,204 | $6.3M | Add +1.8% |
| MGV Vngrd Mrgstr MG CP VL ETF-Ui | 3.15% | 43,821 | $6.0M | Reduce -6.6% |
| FLDR Fidelity Low Durat Fact ETF | 3.12% | 118,993 | $6.0M | Add +3.4% |
| VT Vanguard Tot World STK ETF | 2.94% | 40,900 | $5.6M | Add +2.5% |
| VOT Vngrd Mrngstr MC GRW ETF-Usd | 2.92% | 19,058 | $5.6M | Reduce -0.3% |
| VUG Vanguard Mrngstar GR ETF-Sui | 2.90% | 11,572 | $5.5M | Reduce -5.3% |
| VCSH Vanguard S/T Corp. Bond ETF | 2.83% | 67,735 | $5.4M | Add +2.6% |
| SHYG iShares 0-5 YR HY Corp. Bond | 2.41% | 106,752 | $4.6M | Add +27.1% |
| JEPI JPMorgan Equity Premium Inco | 1.67% | 55,900 | $3.2M | Reduce -1.3% |
| NVDA Nvidia Corp. | 1.52% | 15,585 | $2.9M | Reduce -2.4% |
| IUSG iShares Core S&P U.S. Growth | 1.45% | 16,912 | $2.8M | Reduce -2.0% |
| SDY SS SPDR S&P Dividend ETF | 1.38% | 18,927 | $2.7M | Reduce -5.5% |
| JEPQ JPM Nasdaq Equity Premium filed as J P MORGAN EXCHANGE TRADED F | 1.36% | 45,283 | $2.6M | Add +12.7% |
| VO Vngrd Mrngstr MD-Cap ETF-Usd | 1.24% | 8,058 | $2.4M | Add +2.0% |
| VTV Vanguard Mrngstr Val ETF-Aui | 0.87% | 8,962 | $1.7M | Reduce -2.1% |
| MSFT Microsoft Corp. | 0.79% | 2,932 | $1.5M | Add +2.6% |
| VOO Vanguard S&P 500 ETF | 0.77% | 2,399 | $1.5M | Add +0.3% |
| AMZN Amazon.com Inc. | 0.77% | 6,679 | $1.5M | Reduce -1.3% |
| VOE Vngrd Mrngstr MD-Cap Val ETF | 0.72% | 7,876 | $1.4M | Reduce -1.8% |
| VBR Vngrd Mrngst SL-CP Val ETF-U | 0.72% | 6,582 | $1.4M | Reduce -7.3% |
| ACWV iShares MSCI Global Min Vol | 0.71% | 11,317 | $1.4M | No change |
| XLP SS Consumer Staples Sel Sect | 0.66% | 16,105 | $1.3M | Reduce -2.9% |
| JIRE JPMorgan Int Res Enh Eqty | 0.64% | 16,652 | $1.2M | Add +37.3% |
| COIN Coinbase Global Inc. Class A | 0.60% | 3,428 | $1.2M | No change |
| IYJ iShares U.S. Industrials ETF | 0.55% | 7,252 | $1.1M | Reduce -1.9% |
| JMUB JPMorgan Municipal ETF | 0.52% | 19,710 | $995K | Add +0.2% |
| NEAR iShares SH Dba ETF Usd Inc. | 0.49% | 18,392 | $943K | New |
| VTEB Vanguard Tax-Exempt Bond ETF | 0.48% | 18,344 | $918K | Add +0.8% |
| VHT Vanguard Health Care ETF | 0.46% | 3,421 | $888K | Reduce -14.5% |
| VB Vanguard Most SM-Cap ETF-Usd | 0.42% | 3,145 | $800K | Add +0.9% |
| XAR SS SPDR S&P Aerospace Def | 0.39% | 3,152 | $741K | Add +0.2% |
| IYH iShares U.S. Healthcare ETF | 0.38% | 12,546 | $737K | Reduce -6.0% |
| RSPS Invesco S&P 500 Equal Weight | 0.38% | 24,672 | $721K | Reduce -0.6% |
| AMAT Applied Materials Inc. | 0.35% | 3,248 | $665K | Add +0.3% |
| CRMD Cormedix Inc. | 0.30% | 50,000 | $582K | No change |
| WMT Walmart Inc. | 0.30% | 5,587 | $576K | Add +3.9% |
| CEG Constellation Energy | 0.27% | 1,566 | $515K | Add +3.6% |
| MCD McDonald's Corp. | 0.27% | 1,675 | $509K | Reduce -8.8% |
| FVD First Trust Value Line DVD | 0.27% | 10,989 | $508K | Reduce -2.2% |
| XLU St Sr Utl SL SE SPDR ETF-Usd | 0.26% | 5,797 | $506K | Reduce -4.1% |
| IYW iShares Ustechnology ETF | 0.25% | 2,488 | $487K | Add +5.7% |
| VXUS Vanguard Total Intl Stock | 0.25% | 6,450 | $474K | Add +0.5% |
| XOM Exxon Mobil Corp. | 0.25% | 4,202 | $474K | Reduce -1.3% |
| USMV iShares MSCI USA Min Vol Fac | 0.24% | 4,809 | $458K | Add +4.9% |
| IYC iShares US Consumer Discreti | 0.23% | 4,237 | $444K | Add +0.1% |
| PANW Palo Alto Networks Inc. | 0.23% | 2,170 | $442K | No change |
| HD Home Depot Inc. | 0.23% | 1,064 | $431K | Reduce -9.2% |
| GOOGL Alphabet Inc. Class A | 0.22% | 1,699 | $413K | Reduce -2.7% |
| VBK Van Morst SML-Cap Gro-Usd Inc. | 0.21% | 1,350 | $402K | Reduce -7.8% |
| VCIT Vanguard Int-Term Corporate | 0.20% | 4,626 | $389K | Add +65.4% |
| SCHA Schwab US Small-Cap ETF | 0.20% | 13,895 | $388K | Add +0.2% |
| PAVE Global X US Infrastructure | 0.20% | 8,011 | $382K | Add +0.1% |
| PLTR Palantir Technologies Inc. Class A | 0.20% | 2,050 | $374K | Add +3.8% |
| IVV iShares Core S&P 500 ETF | 0.19% | 558 | $373K | Reduce -8.7% |
| DELL Dell Technologies -C | 0.19% | 2,584 | $366K | Add +2.3% |
| MGK Vngrd Mrgstr MG CP GR ETF-Ui | 0.19% | 898 | $361K | Reduce -0.8% |
| VUSB Vanguard Ultra Short Bond Et | 0.19% | 7,149 | $357K | Reduce -3.8% |
| SPY SS SPDR S&P 500 ETF Trust-US | 0.18% | 513 | $342K | No change |
| WSFS WSFS Financial Corp. | 0.17% | 6,176 | $333K | Add +0.3% |
| DE Deere & Co. | 0.17% | 712 | $325K | Add +0.4% |
| IWS iShares Russell Mid-Cap Valu | 0.17% | 2,282 | $319K | Add +26.0% |
| BA The Boeing Co. | 0.16% | 1,455 | $314K | No change |
| LOW Lowe's Cos Inc. | 0.16% | 1,200 | $302K | Add +0.4% |
| IBM Intl Business Machines Corp. filed as INTERNATIONAL BUSINESS MACHS | 0.15% | 1,045 | $295K | Add +13.8% |
| VYM Vanguard High DVD Yield ETF | 0.15% | 2,084 | $294K | Add +23.2% |
| VIGI Vanguard Int Div App Indx FD | 0.15% | 3,198 | $286K | Add +9.3% |
| COST Costco Wholesale Corp. | 0.15% | 309 | $286K | Add +0.3% |
| ITOT iShares Core S&P Total U.S. | 0.14% | 1,893 | $276K | Reduce -0.9% |
| PEP Pepsico Inc. | 0.14% | 1,956 | $275K | Reduce -5.4% |
| NSC Norfolk Southern Corp. | 0.14% | 895 | $269K | Add +0.5% |
| BRK.B Berkshire Hathaway Inc. Class B | 0.14% | 524 | $263K | No change |
| BX Blackstone Inc. | 0.13% | 1,500 | $256K | Add +0.5% |
| ITA iShares U.S. Aerospace & Def | 0.13% | 1,188 | $249K | New |
| PG The Procter & Gamble Co. | 0.13% | 1,600 | $246K | Add +0.4% |
| DGRO iShares Core Dividend Growth | 0.13% | 3,532 | $240K | Add +8.4% |
| EFAV iShares MSCI Eafe Min Vol Fa | 0.12% | 2,806 | $238K | No change |
| HCA HCA Healthcare Inc. | 0.12% | 558 | $238K | Reduce -4.1% |
| BIV Vanguard Intermediate-Term B | 0.12% | 2,962 | $231K | New |
| VWO Vanguard Ftse Emerging Marke | 0.12% | 4,238 | $230K | Add +0.6% |
| NEE Nextera Energy Inc. | 0.12% | 3,010 | $227K | Add +0.7% |
| CAT Caterpillar Inc. | 0.12% | 470 | $224K | New |
| META Meta Platforms Inc. Class A | 0.12% | 302 | $222K | No change |
| JPM JPMorgan Chase & Co. | 0.12% | 701 | $221K | Add +0.4% |
| MA Mastercard Inc. Class A | 0.11% | 370 | $211K | No change |
| FDVV Fidelity High Dividend ETF | 0.11% | 3,702 | $206K | New |
| FIGB Fidelity Invest GRD BND ETF | 0.11% | 4,690 | $204K | New |
| AXP American Express Co. | 0.11% | 610 | $202K | New |
| AGNC AGNC Investment Corp. | 0.06% | 12,248 | $120K | New |
Portfolio Sells Q2 2025 → Q3 2025
| BSV Vanguard Short-Term Bond ETF | Reduce -0.7% | 7.94% | −0.66 |
| MGV Vngrd Mrgstr MG CP VL ETF-Ui | Reduce -6.6% | 3.15% | −0.31 |
| VIG Vanguard Dividend Apprec ETF | Reduce -0.7% | 7.62% | −0.23 |
| JEPI JPMorgan Equity Premium Inco | Reduce -1.3% | 1.67% | −0.15 |
| SDY SS SPDR S&P Dividend ETF | Reduce -5.5% | 1.38% | −0.15 |
| VOT Vngrd Mrngstr MC GRW ETF-Usd | Reduce -0.3% | 2.92% | −0.14 |
| VUG Vanguard Mrngstar GR ETF-Sui | Reduce -5.3% | 2.90% | −0.12 |
| XLP SS Consumer Staples Sel Sect | Reduce -2.9% | 0.66% | −0.10 |
| VHT Vanguard Health Care ETF | Reduce -14.5% | 0.46% | −0.10 |
| AMZN Amazon.com Inc. | Reduce -1.3% | 0.77% | −0.07 |
| VBR Vngrd Mrngst SL-CP Val ETF-U | Reduce -7.3% | 0.72% | −0.06 |
| RSPS Invesco S&P 500 Equal Weight | Reduce -0.6% | 0.38% | −0.04 |
| IYJ iShares U.S. Industrials ETF | Reduce -1.9% | 0.55% | −0.04 |
| IYH iShares U.S. Healthcare ETF | Reduce -6.0% | 0.38% | −0.04 |
| VTV Vanguard Mrngstr Val ETF-Aui | Reduce -2.1% | 0.87% | −0.04 |
| MCD McDonald's Corp. | Reduce -8.8% | 0.27% | −0.04 |
| VOE Vngrd Mrngstr MD-Cap Val ETF | Reduce -1.8% | 0.72% | −0.02 |
| VUSB Vanguard Ultra Short Bond Et | Reduce -3.8% | 0.19% | −0.02 |
| VBK Van Morst SML-Cap Gro-Usd Inc. | Reduce -7.8% | 0.21% | −0.02 |
| IVV iShares Core S&P 500 ETF | Reduce -8.7% | 0.19% | −0.02 |
| FVD First Trust Value Line DVD | Reduce -2.2% | 0.27% | −0.02 |
| HD Home Depot Inc. | Reduce -9.2% | 0.23% | −0.02 |
| XLU St Sr Utl SL SE SPDR ETF-Usd | Reduce -4.1% | 0.26% | −0.01 |
| XOM Exxon Mobil Corp. | Reduce -1.3% | 0.25% | −0.01 |
| PEP Pepsico Inc. | Reduce -5.4% | 0.14% | −0.01 |
| IUSG iShares Core S&P U.S. Growth | Reduce -2.0% | 1.45% | −0.01 |
| HCA HCA Healthcare Inc. | Reduce -4.1% | 0.12% | −0.00 |
| ITOT iShares Core S&P Total U.S. | Reduce -0.9% | 0.14% | −0.00 |
| MGK Vngrd Mrgstr MG CP GR ETF-Ui | Reduce -0.8% | 0.19% | +0.00 |
| GOOGL Alphabet Inc. Class A | Reduce -2.7% | 0.22% | +0.04 |
| NVDA Nvidia Corp. | Reduce -2.4% | 1.52% | +0.10 |
| AAPL Apple Inc. | Reduce -0.3% | 5.72% | +0.73 |
Portfolio Buys Q2 2025 → Q3 2025
| NEAR iShares SH Dba ETF Usd Inc. | New | 0.49% | +0.49 |
| SHYG iShares 0-5 YR HY Corp. Bond | Add +27.1% | 2.41% | +0.37 |
| JIRE JPMorgan Int Res Enh Eqty | Add +37.3% | 0.64% | +0.16 |
| ITA iShares U.S. Aerospace & Def | New | 0.13% | +0.13 |
| JEPQ JPM Nasdaq Equity Premium | Add +12.7% | 1.36% | +0.13 |
| BIV Vanguard Intermediate-Term B | New | 0.12% | +0.12 |
| CAT Caterpillar Inc. | New | 0.12% | +0.12 |
| FDVV Fidelity High Dividend ETF | New | 0.11% | +0.11 |
| FIGB Fidelity Invest GRD BND ETF | New | 0.11% | +0.11 |
| AXP American Express Co. | New | 0.11% | +0.11 |
| IJR iShares Core S&P Small-Cap E | Add +1.8% | 3.30% | +0.08 |
| VCIT Vanguard Int-Term Corporate | Add +65.4% | 0.20% | +0.07 |
| AGNC AGNC Investment Corp. | New | 0.06% | +0.06 |
| VT Vanguard Tot World STK ETF | Add +2.5% | 2.94% | +0.05 |
| PLTR Palantir Technologies Inc. Class A | Add +3.8% | 0.20% | +0.04 |
| IWS iShares Russell Mid-Cap Valu | Add +26.0% | 0.17% | +0.03 |
| VYM Vanguard High DVD Yield ETF | Add +23.2% | 0.15% | +0.03 |
| IYW iShares Ustechnology ETF | Add +5.7% | 0.25% | +0.02 |
| DELL Dell Technologies -C | Add +2.3% | 0.19% | +0.02 |
| AMAT Applied Materials Inc. | Add +0.3% | 0.35% | +0.01 |
| XAR SS SPDR S&P Aerospace Def | Add +0.2% | 0.39% | +0.01 |
| NSC Norfolk Southern Corp. | Add +0.5% | 0.14% | +0.01 |
| DGRO iShares Core Dividend Growth | Add +8.4% | 0.13% | +0.01 |
| LOW Lowe's Cos Inc. | Add +0.4% | 0.16% | +0.01 |
| BX Blackstone Inc. | Add +0.5% | 0.13% | +0.01 |
| SCHA Schwab US Small-Cap ETF | Add +0.2% | 0.20% | +0.00 |
| WMT Walmart Inc. | Add +3.9% | 0.30% | +0.00 |
| PAVE Global X US Infrastructure | Add +0.1% | 0.20% | +0.00 |
| VWO Vanguard Ftse Emerging Marke | Add +0.6% | 0.12% | +0.00 |
| VOO Vanguard S&P 500 ETF | Add +0.3% | 0.77% | +0.00 |
| NEE Nextera Energy Inc. | Add +0.7% | 0.12% | +0.00 |
| VB Vanguard Most SM-Cap ETF-Usd | Add +0.9% | 0.42% | +0.00 |
| IBM Intl Business Machines Corp. | Add +13.8% | 0.15% | +0.00 |
| JPM JPMorgan Chase & Co. | Add +0.4% | 0.12% | +0.00 |
| VIGI Vanguard Int Div App Indx FD | Add +9.3% | 0.15% | +0.00 |
| VXUS Vanguard Total Intl Stock | Add +0.5% | 0.25% | −0.00 |
| USMV iShares MSCI USA Min Vol Fac | Add +4.9% | 0.24% | −0.00 |
| CEG Constellation Energy | Add +3.6% | 0.27% | −0.01 |
| IYC iShares US Consumer Discreti | Add +0.1% | 0.23% | −0.01 |
| MSFT Microsoft Corp. | Add +2.6% | 0.79% | −0.01 |
| VO Vngrd Mrngstr MD-Cap ETF-Usd | Add +2.0% | 1.24% | −0.01 |
| PG The Procter & Gamble Co. | Add +0.4% | 0.13% | −0.01 |
| WSFS WSFS Financial Corp. | Add +0.3% | 0.17% | −0.02 |
| COST Costco Wholesale Corp. | Add +0.3% | 0.15% | −0.02 |
| VTEB Vanguard Tax-Exempt Bond ETF | Add +0.8% | 0.48% | −0.02 |
| JMUB JPMorgan Municipal ETF | Add +0.2% | 0.52% | −0.03 |
| DE Deere & Co. | Add +0.4% | 0.17% | −0.03 |
| UITB Victoryshares Core Intermedi | Add +6.2% | 5.99% | −0.04 |
| SCHD Schwab US DVD Equity ETF | Add +4.2% | 19.40% | −0.09 |
| FLDR Fidelity Low Durat Fact ETF | Add +3.4% | 3.12% | −0.13 |
All Filings
| Quarter | Positions | 13F Reported Value | Top Holdings |
|---|---|---|---|
| Q2 2026 | 110 | $215.9M | IVE, VIG, JPIE, SCHD, UITB |
| Q1 2026 | 106 | $197.6M | IVE, SCHD, VIG, UITB, AAPL |
| Q4 2025 | 101 | $198.4M | SCHD, BSV, VIG, UITB, AAPL |
| Q3 2025 | 93 | $191.6M | SCHD, BSV, VIG, UITB, AAPL |
| Q2 2025 | 85 | $177.7M | SCHD, BSV, VIG, UITB, AAPL |
| Q1 2025 | 117 | $233.9M | SCHD, BSV, VIG, UITB, AAPL |
| Q4 2024 | 77 | $172.3M | SCHD, BSV, VIG, AAPL, UITB |
| Q3 2024 | 81 | $167.9M | SCHD, BSV, VIG, AAPL, UITB |
| Q2 2024 | 71 | $146.8M | SCHD, BSV, VIG, AAPL, MGV |
| Q1 2024 | 76 | $143.9M | SCHD, BSV, VIG, AAPL, MGV |