Planning Directions Inc.
In its 13F for Q4 2025 (holdings as of December 31, 2025, filed January 21, 2026), Planning Directions Inc. reported 101 stock positions worth $198.4 million. Its top holding was Schwab US DVD Equity ETF (SCHD) at 18.6% of the portfolio, followed by Vanguard Short-Term Bond ETF (BSV, 8.4%) and Vanguard Dividend Apprec ETF (VIG, 7.5%). Compared with Q3 2025, it opened 10 new positions, sold out of 2, added to 44 and reduced 41. The biggest buy was Victoryshares Core Intermedi (UITB, shares +16%) and the biggest sale Schwab US DVD Equity ETF (SCHD, shares −1%).
- Most Recent 13F
- Q2 2026
- Location
- GLEN MILLS, PA
- CIK
- 0000821103
- Portfolio Value
- $198.4M (Q4 2025)
- SEC Filing
- 0000821103-26-000001 ↗ filed Jan 21, 2026
Holdings Value
Holdings 101 stocks · $198.4M
| SCHD Schwab US DVD Equity ETF | 18.59% | 1,344,660 | $36.9M | Reduce -1.3% |
| BSV Vanguard Short-Term Bond ETF | 8.44% | 212,543 | $16.8M | Add +10.2% |
| VIG Vanguard Dividend Apprec ETF | 7.54% | 68,060 | $15.0M | Add +0.6% |
| UITB Victoryshares Core Intermedi | 6.70% | 280,824 | $13.3M | Add +16.3% |
| AAPL Apple Inc. | 5.84% | 42,613 | $11.6M | Reduce -1.0% |
| IJR iShares Core S&P Small-Cap E | 3.61% | 59,638 | $7.2M | Add +12.1% |
| MGV Vngrd Mrgstr MG CP VL ETF-Ui | 3.07% | 43,187 | $6.1M | Reduce -1.4% |
| FLDR Fidelity Low Durat Fact ETF | 2.87% | 113,546 | $5.7M | Reduce -4.6% |
| VT Vanguard Tot World STK ETF | 2.84% | 39,977 | $5.6M | Reduce -2.3% |
| VOT Vngrd Mrngstr MC GRW ETF-Usd | 2.83% | 20,135 | $5.6M | Add +5.7% |
| SHYG iShares 0-5 YR HY Corp. Bond | 2.79% | 129,248 | $5.5M | Add +21.1% |
| VUG Vanguard Mrngstar GR ETF-Sui | 2.62% | 10,661 | $5.2M | Reduce -7.9% |
| VCSH Vanguard S/T Corp. Bond ETF | 2.57% | 64,013 | $5.1M | Reduce -5.5% |
| JEPI JPMorgan Equity Premium Inco | 1.62% | 56,136 | $3.2M | Add +0.4% |
| NVDA Nvidia Corp. | 1.45% | 15,481 | $2.9M | Reduce -0.7% |
| JEPQ JPM Nasdaq Equity Premium filed as J P MORGAN EXCHANGE TRADED F | 1.33% | 45,467 | $2.6M | Add +0.4% |
| IUSG iShares Core S&P U.S. Growth | 1.27% | 14,994 | $2.5M | Reduce -11.3% |
| SDY SS SPDR S&P Dividend ETF | 1.26% | 17,991 | $2.5M | Reduce -5.0% |
| VO Vngrd Mrngstr MD-Cap ETF-Usd | 1.04% | 7,137 | $2.1M | Reduce -11.4% |
| VTV Vanguard Mrngstr Val ETF-Aui | 0.88% | 9,177 | $1.8M | Add +2.4% |
| NEAR iShares SH Dba ETF Usd Inc. | 0.83% | 32,270 | $1.6M | Add +75.5% |
| AMZN Amazon.com Inc. | 0.77% | 6,589 | $1.5M | Reduce -1.4% |
| VOO Vanguard S&P 500 ETF | 0.75% | 2,363 | $1.5M | Reduce -1.5% |
| MSFT Microsoft Corp. | 0.70% | 2,885 | $1.4M | Reduce -1.6% |
| VBR Vngrd Mrngst SL-CP Val ETF-U | 0.70% | 6,570 | $1.4M | Reduce -0.2% |
| ACWV iShares MSCI Global Min Vol | 0.68% | 11,406 | $1.4M | Add +0.8% |
| JIRE JPMorgan Int Res Enh Eqty | 0.66% | 17,473 | $1.3M | Add +4.9% |
| VOE Vngrd Mrngstr MD-Cap Val ETF | 0.64% | 7,123 | $1.3M | Reduce -9.6% |
| XLP SS Consumer Staples Sel Sect | 0.61% | 15,681 | $1.2M | Reduce -2.6% |
| IYJ iShares U.S. Industrials ETF | 0.52% | 6,940 | $1.0M | Reduce -4.3% |
| JMUB JPMorgan Municipal ETF | 0.51% | 19,889 | $1.0M | Add +0.9% |
| VTEB Vanguard Tax-Exempt Bond ETF | 0.47% | 18,551 | $933K | Add +1.1% |
| VHT Vanguard Health Care ETF | 0.45% | 3,070 | $884K | Reduce -10.3% |
| AMAT Applied Materials Inc. | 0.42% | 3,253 | $836K | Add +0.1% |
| CEG Constellation Energy | 0.40% | 2,273 | $803K | Add +45.1% |
| COIN Coinbase Global Inc. Class A | 0.39% | 3,428 | $775K | No change |
| VB Vanguard Most SM-Cap ETF-Usd | 0.38% | 2,956 | $762K | Reduce -6.0% |
| XAR SS SPDR S&P Aerospace Def | 0.38% | 3,147 | $759K | Reduce -0.2% |
| RSPS Invesco S&P 500 Equal Weight | 0.34% | 23,102 | $671K | Reduce -6.4% |
| IYH iShares U.S. Healthcare ETF | 0.33% | 10,004 | $651K | Reduce -20.3% |
| WMT Walmart Inc. | 0.31% | 5,587 | $622K | No change |
| GOOGL Alphabet Inc. Class A | 0.27% | 1,735 | $543K | Add +2.1% |
| VCIT Vanguard Int-Term Corporate | 0.27% | 6,393 | $535K | Add +38.2% |
| XLU St Sr Utl SL SE SPDR ETF-Usd | 0.27% | 12,464 | $532K | Add +7.5% |
| IYW iShares Ustechnology ETF | 0.26% | 2,611 | $521K | Add +4.9% |
| COHR Coherent Corp. | 0.26% | 2,800 | $517K | New |
| XOM Exxon Mobil Corp. | 0.26% | 4,204 | $506K | Add +0.1% |
| VXUS Vanguard Total Intl Stock | 0.23% | 6,152 | $464K | Reduce -4.6% |
| USMV iShares MSCI USA Min Vol Fac | 0.23% | 4,822 | $454K | Add +0.3% |
| SPY SS SPDR S&P 500 ETF Trust-US | 0.23% | 662 | $451K | Add +29.0% |
| MCD McDonald's Corp. | 0.22% | 1,407 | $430K | Reduce -16.0% |
| FVD First Trust Value Line DVD | 0.21% | 9,030 | $416K | Reduce -17.8% |
| IYC iShares US Consumer Discreti | 0.21% | 3,978 | $410K | Reduce -6.1% |
| VBK Van Morst SML-Cap Gro-Usd Inc. | 0.20% | 1,332 | $402K | Reduce -1.3% |
| PANW Palo Alto Networks Inc. | 0.20% | 2,170 | $400K | No change |
| SCHA Schwab US Small-Cap ETF | 0.19% | 13,293 | $379K | Reduce -4.3% |
| ITA iShares U.S. Aerospace & Def | 0.19% | 1,752 | $376K | Add +47.5% |
| MGK Vngrd Mrgstr MG CP GR ETF-Ui | 0.19% | 891 | $368K | Reduce -0.8% |
| VUSB Vanguard Ultra Short Bond Et | 0.18% | 7,279 | $363K | Add +1.8% |
| IWS iShares Russell Mid-Cap Valu | 0.18% | 2,544 | $359K | Add +11.5% |
| USTB Victoryshares Short-Term Bon | 0.18% | 6,935 | $353K | New |
| WSFS WSFS Financial Corp. | 0.17% | 6,195 | $342K | Add +0.3% |
| PAVE Global X US Infrastructure | 0.17% | 7,027 | $336K | Reduce -12.3% |
| DE Deere & Co. | 0.17% | 714 | $332K | Add +0.3% |
| HD Home Depot Inc. | 0.16% | 949 | $327K | Reduce -10.8% |
| BA The Boeing Co. | 0.16% | 1,455 | $316K | No change |
| IBM Intl Business Machines Corp. filed as INTERNATIONAL BUSINESS MACHS | 0.16% | 1,050 | $311K | Add +0.5% |
| DELL Dell Technologies -C | 0.15% | 2,438 | $307K | Reduce -5.7% |
| VYM Vanguard High DVD Yield ETF | 0.15% | 2,062 | $296K | Reduce -1.1% |
| BIV Vanguard Intermediate-Term B | 0.15% | 3,752 | $292K | Add +26.7% |
| FDVV Fidelity High Dividend ETF | 0.15% | 5,103 | $289K | Add +37.8% |
| COST Costco Wholesale Corp. | 0.15% | 334 | $288K | Add +8.1% |
| LOW Lowe's Cos Inc. | 0.14% | 1,191 | $287K | Reduce -0.8% |
| FIGB Fidelity Invest GRD BND ETF | 0.14% | 6,578 | $286K | Add +40.3% |
| ITOT iShares Core S&P Total U.S. | 0.14% | 1,899 | $282K | Add +0.3% |
| VWO Vanguard Ftse Emerging Marke | 0.14% | 5,082 | $273K | Add +19.9% |
| CAT Caterpillar Inc. | 0.14% | 471 | $270K | Add +0.2% |
| IVV iShares Core S&P 500 ETF | 0.13% | 389 | $267K | Reduce -30.3% |
| BRK.B Berkshire Hathaway Inc. Class B | 0.13% | 524 | $263K | No change |
| PLTR Palantir Technologies Inc. Class A | 0.13% | 1,475 | $262K | Reduce -28.1% |
| HCA HCA Healthcare Inc. | 0.13% | 558 | $260K | No change |
| NSC Norfolk Southern Corp. | 0.13% | 899 | $260K | Add +0.5% |
| DGRO iShares Core Dividend Growth | 0.12% | 3,551 | $247K | Add +0.5% |
| NEE Nextera Energy Inc. | 0.12% | 3,059 | $246K | Add +1.6% |
| EFAV iShares MSCI Eafe Min Vol Fa | 0.12% | 2,839 | $245K | Add +1.2% |
| VIGI Vanguard Int Div App Indx FD | 0.12% | 2,653 | $243K | Reduce -17.0% |
| META Meta Platforms Inc. Class A | 0.12% | 362 | $239K | Add +19.9% |
| VGT Vanguard Info Tech ETF | 0.12% | 315 | $237K | New |
| CRMD Cormedix Inc. | 0.12% | 20,000 | $233K | Reduce -60.0% |
| PG The Procter & Gamble Co. | 0.12% | 1,608 | $230K | Add +0.5% |
| XPAY Rodh S&P 500 Tar 20 M Di ETF | 0.12% | 4,248 | $229K | New |
| PEP Pepsico Inc. | 0.11% | 1,587 | $228K | Reduce -18.9% |
| JPM JPMorgan Chase & Co. | 0.11% | 705 | $227K | Add +0.6% |
| RSPU Invesco S&P 500 Equal Weight | 0.11% | 2,894 | $216K | New |
| TBUX T Rowe Price Ultra Short-Ter | 0.11% | 4,330 | $216K | New |
| JPLD JPMorgan Ltd. Duration ETF | 0.11% | 4,103 | $215K | New |
| ACNB Acnb Corp. | 0.11% | 4,433 | $214K | New |
| BX Blackstone Inc. | 0.11% | 1,382 | $213K | Reduce -7.9% |
| GOOG Alphabet Inc. Class C | 0.11% | 665 | $209K | New |
| AGNC AGNC Investment Corp. | 0.07% | 12,469 | $134K | Add +1.8% |
Portfolio Sells Q3 2025 → Q4 2025
| SCHD Schwab US DVD Equity ETF | Reduce -1.3% | 18.59% | −0.82 |
| VUG Vanguard Mrngstar GR ETF-Sui | Reduce -7.9% | 2.62% | −0.28 |
| VCSH Vanguard S/T Corp. Bond ETF | Reduce -5.5% | 2.57% | −0.25 |
| FLDR Fidelity Low Durat Fact ETF | Reduce -4.6% | 2.87% | −0.24 |
| VO Vngrd Mrngstr MD-Cap ETF-Usd | Reduce -11.4% | 1.04% | −0.19 |
| CRMD Cormedix Inc. | Reduce -60.0% | 0.12% | −0.19 |
| IUSG iShares Core S&P U.S. Growth | Reduce -11.3% | 1.27% | −0.18 |
| SDY SS SPDR S&P Dividend ETF | Reduce -5.0% | 1.26% | −0.12 |
| MA Mastercard Inc. Class A | Sold out | 0.00% | −0.11 |
| AXP American Express Co. | Sold out | 0.00% | −0.11 |
| VT Vanguard Tot World STK ETF | Reduce -2.3% | 2.84% | −0.10 |
| MSFT Microsoft Corp. | Reduce -1.6% | 0.70% | −0.09 |
| VOE Vngrd Mrngstr MD-Cap Val ETF | Reduce -9.6% | 0.64% | −0.08 |
| MGV Vngrd Mrgstr MG CP VL ETF-Ui | Reduce -1.4% | 3.07% | −0.08 |
| PLTR Palantir Technologies Inc. Class A | Reduce -28.1% | 0.13% | −0.06 |
| NVDA Nvidia Corp. | Reduce -0.7% | 1.45% | −0.06 |
| IVV iShares Core S&P 500 ETF | Reduce -30.3% | 0.13% | −0.06 |
| HD Home Depot Inc. | Reduce -10.8% | 0.16% | −0.06 |
| IYH iShares U.S. Healthcare ETF | Reduce -20.3% | 0.33% | −0.06 |
| FVD First Trust Value Line DVD | Reduce -17.8% | 0.21% | −0.06 |
| MCD McDonald's Corp. | Reduce -16.0% | 0.22% | −0.05 |
| XLP SS Consumer Staples Sel Sect | Reduce -2.6% | 0.61% | −0.04 |
| RSPS Invesco S&P 500 Equal Weight | Reduce -6.4% | 0.34% | −0.04 |
| DELL Dell Technologies -C | Reduce -5.7% | 0.15% | −0.04 |
| IYJ iShares U.S. Industrials ETF | Reduce -4.3% | 0.52% | −0.03 |
| VB Vanguard Most SM-Cap ETF-Usd | Reduce -6.0% | 0.38% | −0.03 |
| PAVE Global X US Infrastructure | Reduce -12.3% | 0.17% | −0.03 |
| PEP Pepsico Inc. | Reduce -18.9% | 0.11% | −0.03 |
| VIGI Vanguard Int Div App Indx FD | Reduce -17.0% | 0.12% | −0.03 |
| BX Blackstone Inc. | Reduce -7.9% | 0.11% | −0.03 |
| IYC iShares US Consumer Discreti | Reduce -6.1% | 0.21% | −0.03 |
| VOO Vanguard S&P 500 ETF | Reduce -1.5% | 0.75% | −0.02 |
| VHT Vanguard Health Care ETF | Reduce -10.3% | 0.45% | −0.02 |
| VBR Vngrd Mrngst SL-CP Val ETF-U | Reduce -0.2% | 0.70% | −0.02 |
| VXUS Vanguard Total Intl Stock | Reduce -4.6% | 0.23% | −0.01 |
| LOW Lowe's Cos Inc. | Reduce -0.8% | 0.14% | −0.01 |
| SCHA Schwab US Small-Cap ETF | Reduce -4.3% | 0.19% | −0.01 |
| VBK Van Morst SML-Cap Gro-Usd Inc. | Reduce -1.3% | 0.20% | −0.01 |
| VYM Vanguard High DVD Yield ETF | Reduce -1.1% | 0.15% | −0.00 |
| XAR SS SPDR S&P Aerospace Def | Reduce -0.2% | 0.38% | −0.00 |
| MGK Vngrd Mrgstr MG CP GR ETF-Ui | Reduce -0.8% | 0.19% | −0.00 |
| AMZN Amazon.com Inc. | Reduce -1.4% | 0.77% | +0.00 |
| AAPL Apple Inc. | Reduce -1.0% | 5.84% | +0.12 |
Portfolio Buys Q3 2025 → Q4 2025
| UITB Victoryshares Core Intermedi | Add +16.3% | 6.70% | +0.71 |
| BSV Vanguard Short-Term Bond ETF | Add +10.2% | 8.44% | +0.50 |
| SHYG iShares 0-5 YR HY Corp. Bond | Add +21.1% | 2.79% | +0.38 |
| NEAR iShares SH Dba ETF Usd Inc. | Add +75.5% | 0.83% | +0.34 |
| IJR iShares Core S&P Small-Cap E | Add +12.1% | 3.61% | +0.31 |
| COHR Coherent Corp. | New | 0.26% | +0.26 |
| USTB Victoryshares Short-Term Bon | New | 0.18% | +0.18 |
| CEG Constellation Energy | Add +45.1% | 0.40% | +0.14 |
| VGT Vanguard Info Tech ETF | New | 0.12% | +0.12 |
| XPAY Rodh S&P 500 Tar 20 M Di ETF | New | 0.12% | +0.12 |
| RSPU Invesco S&P 500 Equal Weight | New | 0.11% | +0.11 |
| TBUX T Rowe Price Ultra Short-Ter | New | 0.11% | +0.11 |
| JPLD JPMorgan Ltd. Duration ETF | New | 0.11% | +0.11 |
| ACNB Acnb Corp. | New | 0.11% | +0.11 |
| GOOG Alphabet Inc. Class C | New | 0.11% | +0.11 |
| AMAT Applied Materials Inc. | Add +0.1% | 0.42% | +0.07 |
| VCIT Vanguard Int-Term Corporate | Add +38.2% | 0.27% | +0.07 |
| ITA iShares U.S. Aerospace & Def | Add +47.5% | 0.19% | +0.06 |
| GOOGL Alphabet Inc. Class A | Add +2.1% | 0.27% | +0.06 |
| SPY SS SPDR S&P 500 ETF Trust-US | Add +29.0% | 0.23% | +0.05 |
| FDVV Fidelity High Dividend ETF | Add +37.8% | 0.15% | +0.04 |
| FIGB Fidelity Invest GRD BND ETF | Add +40.3% | 0.14% | +0.04 |
| BIV Vanguard Intermediate-Term B | Add +26.7% | 0.15% | +0.03 |
| CAPITAL SOUTHWEST CORP (CSWC 5.125 11/15/29) | New | 0.03% | +0.03 |
| JIRE JPMorgan Int Res Enh Eqty | Add +4.9% | 0.66% | +0.02 |
| CAT Caterpillar Inc. | Add +0.2% | 0.14% | +0.02 |
| VWO Vanguard Ftse Emerging Marke | Add +19.9% | 0.14% | +0.02 |
| IWS iShares Russell Mid-Cap Valu | Add +11.5% | 0.18% | +0.01 |
| VTV Vanguard Mrngstr Val ETF-Aui | Add +2.4% | 0.88% | +0.01 |
| IYW iShares Ustechnology ETF | Add +4.9% | 0.26% | +0.01 |
| XOM Exxon Mobil Corp. | Add +0.1% | 0.26% | +0.01 |
| NEE Nextera Energy Inc. | Add +1.6% | 0.12% | +0.01 |
| AGNC AGNC Investment Corp. | Add +1.8% | 0.07% | +0.00 |
| META Meta Platforms Inc. Class A | Add +19.9% | 0.12% | +0.00 |
| XLU St Sr Utl SL SE SPDR ETF-Usd | Add +7.5% | 0.27% | +0.00 |
| IBM Intl Business Machines Corp. | Add +0.5% | 0.16% | +0.00 |
| EFAV iShares MSCI Eafe Min Vol Fa | Add +1.2% | 0.12% | −0.00 |
| JPM JPMorgan Chase & Co. | Add +0.6% | 0.11% | −0.00 |
| DGRO iShares Core Dividend Growth | Add +0.5% | 0.12% | −0.00 |
| WSFS WSFS Financial Corp. | Add +0.3% | 0.17% | −0.00 |
| ITOT iShares Core S&P Total U.S. | Add +0.3% | 0.14% | −0.00 |
| DE Deere & Co. | Add +0.3% | 0.17% | −0.00 |
| VUSB Vanguard Ultra Short Bond Et | Add +1.8% | 0.18% | −0.00 |
| COST Costco Wholesale Corp. | Add +8.1% | 0.15% | −0.00 |
| VTEB Vanguard Tax-Exempt Bond ETF | Add +1.1% | 0.47% | −0.01 |
| NSC Norfolk Southern Corp. | Add +0.5% | 0.13% | −0.01 |
| USMV iShares MSCI USA Min Vol Fac | Add +0.3% | 0.23% | −0.01 |
| PG The Procter & Gamble Co. | Add +0.5% | 0.12% | −0.01 |
| JMUB JPMorgan Municipal ETF | Add +0.9% | 0.51% | −0.01 |
| ACWV iShares MSCI Global Min Vol | Add +0.8% | 0.68% | −0.03 |
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 |