Spectrum Planning & Advisory Services Inc.

In its 13F for Q4 2025 (holdings as of December 31, 2025, filed February 10, 2026), Spectrum Planning & Advisory Services Inc. reported 113 stock positions worth $194.4 million. Its top holding was SS SPDR BB 1-3M T-Bill ETF (BIL) at 7.8% of the portfolio, followed by iShares 0-3 Month Treasury B (SGOV, 6.7%) and JPMorgan Ultra-Short Income (JPST, 6.6%). Compared with Q3 2025, it opened 10 new positions, sold out of 2, added to 64 and reduced 28. The biggest buy was SS SPDR BB 1-3M T-Bill ETF (BIL, shares +159%) and the biggest sale iShares MSCI USA Quality Fac (QUAL, shares −37%).

Most Recent 13F
Q2 2026
Location
SAN DIEGO, CA
CIK
0001725394
Portfolio Value
$194.4M (Q4 2025)
SEC Filing
0001951757-26-000414 ↗ filed Feb 10, 2026

Holdings Value

0$50.0M$100.0M$150.0M$200.0M$250.0M Q2 2024: $103.6M Q2 2024 Q3 2024: $104.0M Q3 2024 Q4 2024: $115.2M Q4 2024 Q1 2025: $120.1M Q1 2025 Q2 2025: $154.6M Q2 2025 Q3 2025: $177.2M Q3 2025 Q4 2025: $194.4M $194.4M Q4 2025 Q1 2026: $202.1M Q1 2026 Q2 2026: $223.5M Q2 2026

Holdings 113 stocks · $194.4M
BIL SS SPDR BB 1-3M T-Bill ETF 7.76% 165,108 $15.1M Add +159.4%
SGOV iShares 0-3 Month Treasury B 6.74% 130,484 $13.1M Add +5.6%
JPST JPMorgan Ultra-Short Income 6.58% 252,878 $12.8M Add +10.5%
DYNF Ishrs US E F R A ETF-Usd Inc. 4.79% 153,118 $9.3M Add +0.6%
IVW iShares S&P 500 Growth ETF 4.31% 67,919 $8.4M Add +8.4%
IEMG iShares Core MSCI Emerging 4.21% 121,613 $8.2M Add +17.3%
BLCV BlackRock ETF Trust 4.11% 213,866 $8.0M Add +38.5%
EFV iShares MSCI Eafe Value ETF 3.92% 106,639 $7.6M Reduce -10.7%
OEF iShares S&P 100 ETF 2.97% 16,816 $5.8M Add +2.2%
SPYM Ste STR SPDR PT S&P 500 ETF 2.96% 71,779 $5.8M Reduce -2.5%
QUAL iShares MSCI USA Quality Fac 2.70% 26,456 $5.3M Reduce -37.0%
BRTR iShares Total Return Act ETF 2.58% 98,942 $5.0M Reduce -7.8%
SPMO Invesco S&P 500 Momentum ETF 1.94% 31,621 $3.8M Add +57.9%
SCHZ Schwab US Aggregate Bond ETF 1.89% 157,527 $3.7M Reduce -5.6%
BINC iShares Flex I A ETF-Usd Inc. 1.75% 64,505 $3.4M Reduce -1.9%
BAI Ishrs AI in and Tech Act ETF 1.68% 98,123 $3.3M Add +4.8%
MSFT Microsoft Corp. 1.57% 6,303 $3.0M Add +0.2%
THRO iShares U.S. Thematic Rotati 1.56% 78,560 $3.0M Add +2.2%
INRO iShares US in Ro Act ETF-Usd 1.52% 91,977 $3.0M Add +0.1%
ICVT iShares Convertible Bond ETF 1.48% 29,127 $2.9M Add +4.1%
SPMB SS SPDR P Mort Back Bond ETF 1.42% 123,279 $2.8M Reduce -1.0%
AMZN Amazon.com Inc. 1.36% 11,483 $2.7M Add +1.2%
IAU iShares Gold Trust 1.31% 31,439 $2.6M Reduce -6.9%
WWD Woodward Inc. 1.31% 8,418 $2.5M No change
TLT iShares 20+ Year Treasury BD 1.19% 26,537 $2.3M Add +36.5%
BRK.B Berkshire Hathaway Inc. Class B 1.08% 4,164 $2.1M Add +5.3%
TLH iShares 10-20 Year Treasury 0.98% 18,796 $1.9M Reduce -24.8%
IUSB Ishr CR Unvrse Usd BD ETF-Ui 0.83% 34,717 $1.6M Reduce -0.7%
BNDX Vanguard Total Intl Bond ETF 0.82% 33,180 $1.6M Reduce -5.7%
SHLD Global X Defense Tech ETF 0.79% 23,697 $1.5M Add +5.7%
NVDA Nvidia Corp. 0.76% 7,903 $1.5M Add +0.1%
AAPL Apple Inc. 0.75% 5,338 $1.5M Add +0.1%
EMXC iShares MSCI Emr MRK Ex Chna 0.73% 19,499 $1.4M Add +1.2%
ALNY Alnylam Pharmaceuticals Inc. 0.69% 3,350 $1.3M No change
EMB iShares JP Morgan Usd Emergi 0.67% 13,486 $1.3M Add +3.2%
IDV iShares International Select 0.65% 32,026 $1.3M Add +12.2%
XLSR SS US Sector Rotation 0.50% 15,620 $973K Reduce -1.3%
SPTS SS SPDR P St Term TSY ETF 0.49% 32,663 $956K Add +4.5%
VGSH Vanguard Short-Term Treasury 0.49% 16,215 $952K Add +4.2%
IVE iShares S&P 500 Value ETF 0.49% 4,457 $945K Add +2.1%
IYW iShares Ustechnology ETF 0.42% 4,070 $813K Reduce -26.9%
VOO Vanguard S&P 500 ETF 0.40% 1,248 $783K No change
GS Goldman Sachs Group Inc. 0.38% 841 $740K Add +1.2%
IGSB iShares 1-5Y Inv Grade Corp. 0.38% 13,896 $735K Add +226.3%
SPDW Ste STR SPDR PT DW Eu ETF 0.37% 16,052 $713K Add +11.3%
GBTC Grayscale Bitcoin Trust ETF 0.36% 10,289 $703K No change
MBB iShares MBS ETF 0.36% 7,344 $699K Add +0.3%
SLV iShares Silver Trust 0.35% 10,584 $682K Reduce -38.8%
LCTU iShares U.S. Carbon Transiti 0.34% 8,902 $660K Reduce -0.4%
SHY iShares 1-3 Year Treasury Bo 0.34% 7,903 $655K New
V Visa Inc. Class A 0.34% 1,864 $654K Add +0.4%
SPEM State Street SP PTF Em ETF 0.32% 13,379 $626K Reduce -2.6%
EFG iShares MSCI Eafe Growth ETF 0.32% 5,398 $615K Reduce -32.2%
XTEN Bondbloxx BBG 10Y US TSY ETF 0.32% 13,290 $614K Add +0.1%
XLG Invesco S&P 500 Top 50 ETF 0.31% 10,264 $608K Add +4.5%
HEFA Isha Curr Hedged MSCI Eafe 0.31% 14,635 $605K Add +1.5%
UNH Unitedhealth Group Inc. 0.30% 1,766 $583K Add +4.9%
META Meta Platforms Inc. Class A 0.30% 878 $580K No change
GLDM SPDR Gold Minishares Trust 0.28% 6,363 $543K Add +1.1%
TSLA Tesla Inc. 0.27% 1,155 $519K No change
GDX Vaneck Gold Miners ETF 0.25% 5,706 $489K New
CAT Caterpillar Inc. 0.25% 853 $489K Reduce -0.3%
SUSC iShares ESG Aware Usd Corpor 0.25% 20,630 $482K Add +1.0%
LQDH iShares Int Hedg Corp. BD ETF 0.24% 4,950 $462K New
HD Home Depot Inc. 0.24% 1,337 $460K Add +3.9%
QQQ Invesco QQQ Trust Series 1 0.23% 735 $452K Add +0.1%
CRM Salesforce Inc. 0.23% 1,702 $451K Add +1.6%
DSI iShares ESG MSCI KLD 400 ETF 0.23% 3,480 $448K Add +0.4%
EAGG iShares ESG Aware US Aggrega 0.22% 8,987 $430K Add +0.6%
DIA SS SPDR Dow Jones Indus Avg filed as SPDR DOW JONES INDL AVERAGE 0.22% 881 $423K Add +9.8%
USXF iShares ESG Advance MSCI USA 0.21% 7,190 $414K Reduce -0.3%
TFLO iShares Treasury Floating Ra 0.21% 8,180 $413K New
VBIL Vanguard 0-3M T-Bill ETF 0.21% 5,304 $400K New
AXP American Express Co. 0.20% 1,072 $397K Reduce -0.2%
BKNG Booking Holdings Inc. 0.20% 73 $392K No change
BA The Boeing Co. 0.19% 1,722 $374K Add +0.9%
MCD McDonald's Corp. 0.19% 1,222 $374K Add +0.7%
COST Costco Wholesale Corp. 0.19% 425 $367K Reduce -1.6%
GOVT iShares US Treasury Bond ETF 0.19% 15,855 $365K Reduce -3.8%
SPSM SS SPDR P S&P 600 Small Cap 0.19% 7,735 $362K Reduce -4.1%
SPY SS SPDR S&P 500 ETF Trust-US 0.18% 527 $359K Reduce -6.2%
ESGU iShares ESG Aware MSCI USA 0.18% 2,382 $355K Add +0.3%
MGK Vngrd Mrgstr MG CP GR ETF-Ui 0.18% 848 $350K Add +0.1%
VTI VG Morningstar TS MKT ETF-US 0.18% 1,029 $345K Reduce -4.1%
JPM JPMorgan Chase & Co. 0.18% 1,069 $344K Add +0.8%
SHW The Sherwin-Williams Co. 0.18% 1,058 $343K Add +1.1%
COMT iShares Gsci Commodity Dynam 0.17% 13,633 $339K Add +8.3%
AMGN Amgen Inc. 0.17% 991 $324K Add +0.6%
SIVR Abrdn Physical Silver Shares 0.16% 4,590 $310K New
TRV The Travelers Cos Inc. 0.16% 1,065 $309K Add +0.2%
IBM Intl Business Machines Corp. filed as INTERNATIONAL BUSINESS MACHS 0.15% 988 $293K Add +0.3%
GOOG Alphabet Inc. Class C 0.15% 906 $284K Reduce -1.0%
PLTR Palantir Technologies Inc. Class A 0.14% 1,585 $282K No change
GOOGL Alphabet Inc. Class A 0.14% 889 $278K Add +0.1%
ETH Grayscale Ethereum Staking M 0.14% 9,689 $272K No change
OUNZ Vaneck Merk Gold ETF 0.14% 6,515 $270K Reduce -67.5%
SPMD SS SPDR P S&P 400 Midcap ETF 0.14% 4,581 $265K Add +0.4%
JNJ Johnson & Johnson 0.14% 1,272 $263K Add +0.2%
LLY Eli Lilly & Co. 0.13% 234 $252K New
PG The Procter & Gamble Co. 0.13% 1,739 $249K Add +2.1%
HON Honeywell International Inc. 0.13% 1,276 $249K Add +0.9%
DIS The Walt Disney Co. filed as DISNEY WALT CO 0.13% 2,144 $244K Add +0.1%
ETHW Bitwise Ethereum ETF 0.12% 11,367 $242K No change
SYSB iShares Systematic Bond ETF 0.12% 2,684 $241K New
MRK Merck & Co. Inc. 0.12% 2,267 $239K New
GE General Electric filed as GE AEROSPACE 0.12% 761 $234K Add +0.1%
VOE Vngrd Mrngstr MD-Cap Val ETF 0.12% 1,321 $234K Add +0.8%
IVV iShares Core S&P 500 ETF 0.12% 334 $229K Reduce -1.5%
EUSB Ishr ESG Advn Universal BD-$ 0.11% 4,953 $217K Add +0.6%
ESGE iShares Inc. iShares ESG Awar 0.11% 4,663 $206K Add +0.3%
BAC Bank of America Corp. filed as BANK AMERICA CORP 0.11% 3,719 $205K New
DMXF iShares ESG Advanc MSCI Eafe 0.10% 2,687 $202K Add +0.1%
BFLY Butterfly Network Inc. 0.05% 23,670 $90K No change

Portfolio Sells Q3 2025 → Q4 2025
QUAL iShares MSCI USA Quality Fac Reduce -37.0% 2.70% −1.91
EFV iShares MSCI Eafe Value ETF Reduce -10.7% 3.92% −0.65
BRTR iShares Total Return Act ETF Reduce -7.8% 2.58% −0.50
TLH iShares 10-20 Year Treasury Reduce -24.8% 0.98% −0.47
SCHZ Schwab US Aggregate Bond ETF Reduce -5.6% 1.89% −0.32
SPYM Ste STR SPDR PT S&P 500 ETF Reduce -2.5% 2.96% −0.29
OUNZ Vaneck Merk Gold ETF Reduce -67.5% 0.14% −0.28
BINC iShares Flex I A ETF-Usd Inc. Reduce -1.9% 1.75% −0.22
IYW iShares Ustechnology ETF Reduce -26.9% 0.42% −0.20
EFG iShares MSCI Eafe Growth ETF Reduce -32.2% 0.32% −0.20
BNDX Vanguard Total Intl Bond ETF Reduce -5.7% 0.82% −0.16
SPMB SS SPDR P Mort Back Bond ETF Reduce -1.0% 1.42% −0.16
STIP iShares 0-5 Year Tips Bond E Sold out 0.00% −0.15
NFLX Netflix Inc. Sold out 0.00% −0.13
IUSB Ishr CR Unvrse Usd BD ETF-Ui Reduce -0.7% 0.83% −0.09
IAU iShares Gold Trust Reduce -6.9% 1.31% −0.08
SLV iShares Silver Trust Reduce -38.8% 0.35% −0.06
SPEM State Street SP PTF Em ETF Reduce -2.6% 0.32% −0.04
COST Costco Wholesale Corp. Reduce -1.6% 0.19% −0.04
XLSR SS US Sector Rotation Reduce -1.3% 0.50% −0.03
GOVT iShares US Treasury Bond ETF Reduce -3.8% 0.19% −0.03
LCTU iShares U.S. Carbon Transiti Reduce -0.4% 0.34% −0.03
SPY SS SPDR S&P 500 ETF Trust-US Reduce -6.2% 0.18% −0.03
SPSM SS SPDR P S&P 600 Small Cap Reduce -4.1% 0.19% −0.02
VTI VG Morningstar TS MKT ETF-US Reduce -4.1% 0.18% −0.02
USXF iShares ESG Advance MSCI USA Reduce -0.3% 0.21% −0.02
IVV iShares Core S&P 500 ETF Reduce -1.5% 0.12% −0.01
AXP American Express Co. Reduce -0.2% 0.20% +0.00
GOOG Alphabet Inc. Class C Reduce -1.0% 0.15% +0.02
CAT Caterpillar Inc. Reduce -0.3% 0.25% +0.02

Portfolio Buys Q3 2025 → Q4 2025
BIL SS SPDR BB 1-3M T-Bill ETF Add +159.4% 7.76% +4.46
BLCV BlackRock ETF Trust Add +38.5% 4.11% +0.98
SPMO Invesco S&P 500 Momentum ETF Add +57.9% 1.94% +0.57
IEMG iShares Core MSCI Emerging Add +17.3% 4.21% +0.35
SHY iShares 1-3 Year Treasury Bo New 0.34% +0.34
GDX Vaneck Gold Miners ETF New 0.25% +0.25
IGSB iShares 1-5Y Inv Grade Corp. Add +226.3% 0.38% +0.25
LQDH iShares Int Hedg Corp. BD ETF New 0.24% +0.24
TFLO iShares Treasury Floating Ra New 0.21% +0.21
TLT iShares 20+ Year Treasury BD Add +36.5% 1.19% +0.21
VBIL Vanguard 0-3M T-Bill ETF New 0.21% +0.21
SIVR Abrdn Physical Silver Shares New 0.16% +0.16
LLY Eli Lilly & Co. New 0.13% +0.13
SYSB iShares Systematic Bond ETF New 0.12% +0.12
MRK Merck & Co. Inc. New 0.12% +0.12
BAC Bank of America Corp. New 0.11% +0.11
IDV iShares International Select Add +12.2% 0.65% +0.06
IVW iShares S&P 500 Growth ETF Add +8.4% 4.31% +0.04
JPST JPMorgan Ultra-Short Income Add +10.5% 6.58% +0.03
GOOGL Alphabet Inc. Class A Add +0.1% 0.14% +0.02
SPDW Ste STR SPDR PT DW Eu ETF Add +11.3% 0.37% +0.02
AMGN Amgen Inc. Add +0.6% 0.17% +0.01
GLDM SPDR Gold Minishares Trust Add +1.1% 0.28% +0.01
DIA SS SPDR Dow Jones Indus Avg Add +9.8% 0.22% +0.01
CRM Salesforce Inc. Add +1.6% 0.23% +0.01
GS Goldman Sachs Group Inc. Add +1.2% 0.38% +0.01
JNJ Johnson & Johnson Add +0.2% 0.14% +0.00
EMXC iShares MSCI Emr MRK Ex Chna Add +1.2% 0.73% −0.01
XLG Invesco S&P 500 Top 50 ETF Add +4.5% 0.31% −0.01
IBM Intl Business Machines Corp. Add +0.3% 0.15% −0.01
ESGE iShares Inc. iShares ESG Awar Add +0.3% 0.11% −0.01
GE General Electric Add +0.1% 0.12% −0.01
VOE Vngrd Mrngstr MD-Cap Val ETF Add +0.8% 0.12% −0.01
TRV The Travelers Cos Inc. Add +0.2% 0.16% −0.01
EUSB Ishr ESG Advn Universal BD-$ Add +0.6% 0.11% −0.01
SPMD SS SPDR P S&P 400 Midcap ETF Add +0.4% 0.14% −0.01
DMXF iShares ESG Advanc MSCI Eafe Add +0.1% 0.10% −0.01
HEFA Isha Curr Hedged MSCI Eafe Add +1.5% 0.31% −0.01
JPM JPMorgan Chase & Co. Add +0.8% 0.18% −0.01
MGK Vngrd Mrgstr MG CP GR ETF-Ui Add +0.1% 0.18% −0.01
ESGU iShares ESG Aware MSCI USA Add +0.3% 0.18% −0.01
DIS The Walt Disney Co. Add +0.1% 0.13% −0.01
BA The Boeing Co. Add +0.9% 0.19% −0.02
DSI iShares ESG MSCI KLD 400 ETF Add +0.4% 0.23% −0.02
MCD McDonald's Corp. Add +0.7% 0.19% −0.02
COMT iShares Gsci Commodity Dynam Add +8.3% 0.17% −0.02
QQQ Invesco QQQ Trust Series 1 Add +0.1% 0.23% −0.02
PG The Procter & Gamble Co. Add +2.1% 0.13% −0.02
AAPL Apple Inc. Add +0.1% 0.75% −0.02
EAGG iShares ESG Aware US Aggrega Add +0.6% 0.22% −0.02

All Filings

QuarterPositions13F Reported ValueTop Holdings
Q2 2026 120$223.5MSPYM, BIL, SGOV, JPST, IVW
Q1 2026 114$202.1MBIL, SGOV, JPST, IVW, DYNF
Q4 2025 113$194.4MBIL, SGOV, JPST, DYNF, IVW
Q3 2025 105$177.2MSGOV, JPST, DYNF, QUAL, EFV
Q2 2025 95$154.6MSGOV, JPST, QUAL, EFV, IVW
Q1 2025 64$120.1MSPYM, IVW, QUAL, DYNF, SCHZ
Q4 2024 61$115.2MSPYM, IVW, DYNF, QUAL, IUSB
Q3 2024 56$104.0MSPYM, IVW, QUAL, DYNF, SCHZ
Q2 2024 54$103.6MSPYM, IUSB, IVW, BIL, QUAL