Sterling Financial Planning, Inc.
In its 13F for Q2 2026 (holdings as of June 30, 2026, filed August 11, 2026), Sterling Financial Planning, Inc. reported 123 stock positions worth $367.7 million. Its top holding was iShares S&P Mid-Cap 400 Valu (IJJ) at 6.3% of the portfolio, followed by iShares S&P Small-Cap 600 GR (IJT, 6.2%) and iShares S&P Mid-Cap 400 Grow (IJK, 5.8%). Compared with Q1 2026, it opened 8 new positions, sold out of 2, added to 46 and reduced 52. The biggest buy was iShares S&P Mid-Cap 400 Valu (IJJ, shares +2%) and the biggest sale iShares Gold Trust (IAU, shares −1%).
- Most Recent 13F
- Q2 2026
- Location
- SPARTA, NJ
- CIK
- 0001844278
- Portfolio Value
- $367.7M (Q2 2026)
- SEC Filing
- 0001844278-26-000004 ↗ filed Aug 11, 2026
Holdings Value
Holdings 123 stocks · $367.7M
| IJJ iShares S&P Mid-Cap 400 Valu | 6.29% | 156,530 | $23.1M | Add +1.7% |
| IJT iShares S&P Small-Cap 600 GR | 6.22% | 128,012 | $22.9M | Reduce -1.4% |
| IJK iShares S&P Mid-Cap 400 Grow | 5.84% | 182,653 | $21.5M | Reduce -1.5% |
| IVW iShares S&P 500 Growth ETF | 5.54% | 148,229 | $20.4M | Reduce -0.3% |
| IAU iShares Gold Trust | 4.80% | 233,678 | $17.6M | Reduce -0.7% |
| DFIV Dimensional International Va | 4.56% | 310,296 | $16.8M | Add +0.7% |
| VYM Vanguard High DVD Yield ETF | 3.57% | 83,032 | $13.1M | Add +2.0% |
| FNDX Schwab Fndmntl US LRG Co. ETF | 3.54% | 418,339 | $13.0M | Reduce -1.4% |
| DISV Dimensional International SM | 3.31% | 302,926 | $12.2M | Add +2.2% |
| BIV Vanguard Intermediate-Term B | 3.21% | 153,913 | $11.8M | Add +7.3% |
| DFSV Dimensional US Small Cap Val | 3.08% | 292,001 | $11.3M | Add +0.7% |
| IJS iShares S&P Small-Cap 600 Va | 2.73% | 73,343 | $10.0M | Reduce -4.4% |
| XBJA Innovator US Eq Ac 9 Buff-J | 2.65% | 288,650 | $9.8M | Add +1.3% |
| IVV iShares Core S&P 500 ETF | 2.50% | 12,282 | $9.2M | Reduce -1.0% |
| DFIP Dimensional Inflation-Protec | 2.02% | 179,710 | $7.4M | Add +5.3% |
| DFEV Dimensional Emrg MRKT Val | 2.01% | 173,234 | $7.4M | Reduce -2.1% |
| DFGR Dim Global Real Estate ETF | 1.95% | 247,263 | $7.2M | Add +5.1% |
| IJH iShares Core S&P Midcap ETF | 1.40% | 66,771 | $5.1M | Reduce -3.2% |
| QQQ Invesco QQQ Trust Series 1 | 1.36% | 6,768 | $5.0M | Reduce -2.9% |
| EFG iShares MSCI Eafe Growth ETF | 1.35% | 39,975 | $5.0M | Reduce -1.8% |
| IVE iShares S&P 500 Value ETF | 1.34% | 21,679 | $4.9M | Reduce -5.2% |
| VCSH Vanguard S/T Corp. Bond ETF | 1.33% | 61,984 | $4.9M | Add +11.5% |
| BSV Vanguard Short-Term Bond ETF | 1.31% | 61,799 | $4.8M | Add +5.4% |
| AAPL Apple Inc. | 1.27% | 16,124 | $4.7M | Add +2.9% |
| GOVT iShares US Treasury Bond ETF | 1.23% | 198,231 | $4.5M | Add +3.1% |
| VOE Vngrd Mrngstr MD-Cap Val ETF | 1.16% | 21,586 | $4.3M | Reduce -0.9% |
| VTEB Vanguard Tax-Exempt Bond ETF | 1.09% | 78,977 | $4.0M | Add +2.0% |
| GLD SPDR Gold Shares | 1.03% | 10,288 | $3.8M | Reduce -3.5% |
| VOT Vngrd Mrngstr MC GRW ETF-Usd | 0.96% | 11,514 | $3.5M | Add +1.9% |
| VTES Vanguard SH Term Tax-Ex Bond | 0.95% | 34,648 | $3.5M | Add +5.1% |
| VBK Van Morst SML-Cap Gro-Usd Inc. | 0.84% | 8,480 | $3.1M | Reduce -0.2% |
| VTIP Vanguard Short-Term Tips | 0.83% | 61,111 | $3.1M | Add +9.0% |
| VNQ Vanguard Real Estate ETF | 0.82% | 31,228 | $3.0M | Reduce -2.2% |
| BNDX Vanguard Total Intl Bond ETF | 0.82% | 61,896 | $3.0M | Add +4.2% |
| IDV iShares International Select | 0.81% | 71,635 | $3.0M | Reduce -5.0% |
| DGS Wisdomtree Em Small Cap | 0.69% | 39,294 | $2.5M | Reduce -0.8% |
| VBR Vngrd Mrngst SL-CP Val ETF-U | 0.69% | 10,385 | $2.5M | Reduce -0.3% |
| JNJ Johnson & Johnson | 0.67% | 9,653 | $2.5M | Reduce -0.7% |
| FNDC Schwab Fndmnt Intl SM Eq ETF | 0.65% | 48,976 | $2.4M | Reduce -7.8% |
| VEA Vanguard Ftse Developed ETF | 0.55% | 28,535 | $2.0M | Reduce -1.1% |
| SPY SS SPDR S&P 500 ETF Trust-US | 0.53% | 2,598 | $1.9M | Add +0.1% |
| MUB iShares National Muni Bond E | 0.50% | 17,094 | $1.8M | Add +4.6% |
| IJR iShares Core S&P Small-Cap E | 0.43% | 10,706 | $1.6M | Reduce -3.8% |
| TIP iShares Tips Bond ETF | 0.43% | 14,505 | $1.6M | Add +1.6% |
| PRF Invesco Rafi US 1000 ETF | 0.43% | 29,316 | $1.6M | Reduce -3.8% |
| XOM Exxon Mobil Corp. | 0.43% | 11,444 | $1.6M | Reduce -11.8% |
| SCZ iShares MSCI Eafe Small-Cap | 0.36% | 15,997 | $1.3M | Reduce -3.4% |
| DFAR Dimensional US Real Est ETF | 0.35% | 49,877 | $1.3M | Reduce -0.6% |
| MSFT Microsoft Corp. | 0.33% | 3,276 | $1.2M | Add +0.0% |
| DFLV Dim US Large Cap Value ETF | 0.31% | 29,060 | $1.1M | Add +2.4% |
| BRK.B Berkshire Hathaway Inc. Class B | 0.29% | 2,151 | $1.1M | Reduce -5.7% |
| SIGI Selective Insurance Group | 0.29% | 10,862 | $1.1M | No change |
| RTX RTX Corp. | 0.27% | 5,242 | $995K | No change |
| LLY Eli Lilly & Co. | 0.25% | 777 | $932K | No change |
| GOOGL Alphabet Inc. Class A | 0.25% | 2,588 | $925K | Reduce -2.6% |
| VUG Vanguard Mrngstar GR ETF-Sui | 0.25% | 10,472 | $902K | Reduce -1.8% |
| DFUS Dimensional US Eq MKT ETF | 0.23% | 10,355 | $848K | Reduce -0.6% |
| O Realty Income Corp. | 0.22% | 12,841 | $796K | Add +0.1% |
| JPM JPMorgan Chase & Co. | 0.21% | 2,343 | $767K | Add +18.0% |
| PJAN Innovator U.S. Equity Power | 0.20% | 14,962 | $740K | No change |
| MMM 3M Co. | 0.19% | 4,368 | $707K | No change |
| PRFZ Inv Rafi US 1500 SM-Usd Inc. | 0.18% | 12,053 | $672K | Reduce -0.6% |
| RSP Invesco S&P 500 Equal Weight | 0.17% | 3,018 | $642K | Reduce -1.6% |
| CPSY Calamos S&P 500 Sap ETF Jan | 0.17% | 24,970 | $642K | No change |
| MDYV SS SPDR S&P 400 MC Val ETF | 0.17% | 6,616 | $628K | Add +1.9% |
| LRCX Lam Research Corp. | 0.17% | 1,435 | $622K | No change |
| AMZN Amazon.com Inc. | 0.17% | 2,561 | $610K | Reduce -4.5% |
| VO Vngrd Mrngstr MD-Cap ETF-Usd | 0.16% | 7,490 | $603K | Reduce -2.1% |
| VIG Vanguard Dividend Apprec ETF | 0.16% | 2,505 | $593K | Reduce -13.2% |
| GOOG Alphabet Inc. Class C | 0.16% | 1,676 | $592K | Reduce -2.9% |
| META Meta Platforms Inc. Class A | 0.16% | 1,031 | $581K | Reduce -1.4% |
| COST Costco Wholesale Corp. | 0.16% | 620 | $580K | Reduce -3.3% |
| DE Deere & Co. | 0.14% | 822 | $521K | Reduce -4.6% |
| CSRE C&S Real Estate Active ETF | 0.14% | 18,093 | $513K | Add +13.6% |
| SCHE Schwab Emrg Mrkts Eqty ETF | 0.13% | 13,381 | $485K | Reduce -10.9% |
| PFS Provident Financial Services | 0.13% | 20,152 | $476K | Reduce -7.1% |
| IBM Intl Business Machines Corp. filed as INTERNATIONAL BUSINESS MACHS | 0.13% | 1,667 | $469K | No change |
| NVDA Nvidia Corp. | 0.12% | 2,157 | $432K | Add +13.3% |
| PEP Pepsico Inc. | 0.12% | 3,178 | $430K | Add +0.1% |
| MRK Merck & Co. Inc. | 0.11% | 3,246 | $417K | Add +7.7% |
| DVY iShares Select Dividend ETF | 0.11% | 2,602 | $407K | Add +35.4% |
| GE General Electric filed as GE AEROSPACE | 0.11% | 1,072 | $401K | Add +15.9% |
| GD General Dynamics Corp. | 0.11% | 1,128 | $399K | Add +0.4% |
| VWO Vanguard Ftse Emerging Marke | 0.10% | 6,387 | $381K | Add +0.6% |
| DFIS Dimensional International SM | 0.10% | 10,763 | $377K | Reduce -0.2% |
| EMB iShares JP Morgan Usd Emergi | 0.10% | 3,825 | $369K | Add +0.3% |
| CARR Carrier Global Corp. | 0.10% | 5,027 | $369K | No change |
| PG The Procter & Gamble Co. | 0.10% | 2,470 | $362K | Reduce -12.1% |
| ABT Abbott Laboratories | 0.10% | 3,921 | $356K | Reduce -10.4% |
| IDHQ Invesco S&P International DE | 0.10% | 8,109 | $354K | Add +2.2% |
| ABBV Abbvie Inc. | 0.10% | 1,389 | $350K | Add +7.8% |
| CAT Caterpillar Inc. | 0.09% | 327 | $348K | Reduce -6.8% |
| QUAL iShares MSCI USA Quality Fac | 0.09% | 1,583 | $347K | No change |
| UAUG Innovator U.S. Equity Ultra | 0.09% | 7,809 | $329K | Add +1.0% |
| VTI VG Morningstar TS MKT ETF-US | 0.09% | 876 | $324K | Add +0.5% |
| CVX Chevron Corp. | 0.09% | 1,938 | $321K | Reduce -2.7% |
| XBAP Innovator US Eqy Accel 9 Buf | 0.09% | 7,634 | $320K | Reduce -1.3% |
| GEV GE Vernova Inc. | 0.08% | 265 | $311K | New |
| CSCO Cisco Systems Inc. | 0.08% | 2,625 | $308K | Reduce -3.0% |
| HD Home Depot Inc. | 0.08% | 862 | $304K | Add +0.2% |
Portfolio Sells Q1 2026 → Q2 2026
| IAU iShares Gold Trust | Reduce -0.7% | 4.80% | −1.35 |
| GLD SPDR Gold Shares | Reduce -3.5% | 1.03% | −0.33 |
| XOM Exxon Mobil Corp. | Reduce -11.8% | 0.43% | −0.23 |
| IDV iShares International Select | Reduce -5.0% | 0.81% | −0.14 |
| IVE iShares S&P 500 Value ETF | Reduce -5.2% | 1.34% | −0.09 |
| FNDC Schwab Fndmnt Intl SM Eq ETF | Reduce -7.8% | 0.65% | −0.08 |
| VDE Vanguard Energy ETF | Sold out | 0.00% | −0.07 |
| UFEB Innovator U.S. Equity Ultra | Sold out | 0.00% | −0.06 |
| JNJ Johnson & Johnson | Reduce -0.7% | 0.67% | −0.04 |
| ABT Abbott Laboratories | Reduce -10.4% | 0.10% | −0.04 |
| CVX Chevron Corp. | Reduce -2.7% | 0.09% | −0.03 |
| COST Costco Wholesale Corp. | Reduce -3.3% | 0.16% | −0.03 |
| BRK.B Berkshire Hathaway Inc. Class B | Reduce -5.7% | 0.29% | −0.03 |
| VOE Vngrd Mrngstr MD-Cap Val ETF | Reduce -0.9% | 1.16% | −0.03 |
| SCZ iShares MSCI Eafe Small-Cap | Reduce -3.4% | 0.36% | −0.03 |
| VIG Vanguard Dividend Apprec ETF | Reduce -13.2% | 0.16% | −0.02 |
| PG The Procter & Gamble Co. | Reduce -12.1% | 0.10% | −0.02 |
| VNQ Vanguard Real Estate ETF | Reduce -2.2% | 0.82% | −0.02 |
| META Meta Platforms Inc. Class A | Reduce -1.4% | 0.16% | −0.02 |
| SCHE Schwab Emrg Mrkts Eqty ETF | Reduce -10.9% | 0.13% | −0.01 |
| DGS Wisdomtree Em Small Cap | Reduce -0.8% | 0.69% | −0.01 |
| PEG Public Service Enterprise GP | Reduce -0.5% | 0.07% | −0.01 |
| PFS Provident Financial Services | Reduce -7.1% | 0.13% | −0.01 |
| DFIS Dimensional International SM | Reduce -0.2% | 0.10% | −0.01 |
| XBAP Innovator US Eqy Accel 9 Buf | Reduce -1.3% | 0.09% | −0.00 |
| DE Deere & Co. | Reduce -4.6% | 0.14% | −0.00 |
| RSP Invesco S&P 500 Equal Weight | Reduce -1.6% | 0.17% | +0.00 |
| AMZN Amazon.com Inc. | Reduce -4.5% | 0.17% | +0.00 |
| PRF Invesco Rafi US 1000 ETF | Reduce -3.8% | 0.43% | +0.00 |
| VO Vngrd Mrngstr MD-Cap ETF-Usd | Reduce -2.1% | 0.16% | +0.00 |
| VOO Vanguard S&P 500 ETF | Reduce -2.7% | 0.06% | +0.00 |
| TSLA Tesla Inc. | Reduce -1.1% | 0.08% | +0.00 |
| DFAR Dimensional US Real Est ETF | Reduce -0.6% | 0.35% | +0.00 |
| VEA Vanguard Ftse Developed ETF | Reduce -1.1% | 0.55% | +0.01 |
| EFG iShares MSCI Eafe Growth ETF | Reduce -1.8% | 1.35% | +0.01 |
| DFUS Dimensional US Eq MKT ETF | Reduce -0.6% | 0.23% | +0.01 |
| GOOG Alphabet Inc. Class C | Reduce -2.9% | 0.16% | +0.01 |
| VUG Vanguard Mrngstar GR ETF-Sui | Reduce -1.8% | 0.25% | +0.02 |
| VBR Vngrd Mrngst SL-CP Val ETF-U | Reduce -0.3% | 0.69% | +0.02 |
| PRFZ Inv Rafi US 1500 SM-Usd Inc. | Reduce -0.6% | 0.18% | +0.02 |
| IJH iShares Core S&P Midcap ETF | Reduce -3.2% | 1.40% | +0.02 |
| CAT Caterpillar Inc. | Reduce -6.8% | 0.09% | +0.02 |
| CSCO Cisco Systems Inc. | Reduce -3.0% | 0.08% | +0.02 |
| IJR iShares Core S&P Small-Cap E | Reduce -3.8% | 0.43% | +0.02 |
| GOOGL Alphabet Inc. Class A | Reduce -2.6% | 0.25% | +0.03 |
| IJS iShares S&P Small-Cap 600 Va | Reduce -4.4% | 2.73% | +0.03 |
| FNDX Schwab Fndmntl US LRG Co. ETF | Reduce -1.4% | 3.54% | +0.04 |
| VBK Van Morst SML-Cap Gro-Usd Inc. | Reduce -0.2% | 0.84% | +0.08 |
| IVV iShares Core S&P 500 ETF | Reduce -1.0% | 2.50% | +0.10 |
| DFEV Dimensional Emrg MRKT Val | Reduce -2.1% | 2.01% | +0.13 |
Portfolio Buys Q1 2026 → Q2 2026
| IJJ iShares S&P Mid-Cap 400 Valu | Add +1.7% | 6.29% | +0.24 |
| VOT Vngrd Mrngstr MC GRW ETF-Usd | Add +1.9% | 0.96% | +0.10 |
| DFGR Dim Global Real Estate ETF | Add +5.1% | 1.95% | +0.09 |
| AAPL Apple Inc. | Add +2.9% | 1.27% | +0.09 |
| GEV GE Vernova Inc. | New | 0.08% | +0.08 |
| DFSV Dimensional US Small Cap Val | Add +0.7% | 3.08% | +0.07 |
| INTC Intel Corp. | New | 0.06% | +0.06 |
| VB Vanguard Most SM-Cap ETF-Usd | New | 0.06% | +0.06 |
| DFAT Dimensional US Target Value | New | 0.06% | +0.06 |
| EEM iShares MSCI Emerging Market | New | 0.06% | +0.06 |
| GLW Corning Inc. | New | 0.06% | +0.06 |
| RCL Royal Caribbean Cruises Ltd. | New | 0.06% | +0.06 |
| SDY SS SPDR S&P Dividend ETF | New | 0.05% | +0.05 |
| JPM JPMorgan Chase & Co. | Add +18.0% | 0.21% | +0.04 |
| GE General Electric | Add +15.9% | 0.11% | +0.03 |
| SPY SS SPDR S&P 500 ETF Trust-US | Add +0.1% | 0.53% | +0.03 |
| VCSH Vanguard S/T Corp. Bond ETF | Add +11.5% | 1.33% | +0.03 |
| DVY iShares Select Dividend ETF | Add +35.4% | 0.11% | +0.02 |
| NVDA Nvidia Corp. | Add +13.3% | 0.12% | +0.02 |
| CSRE C&S Real Estate Active ETF | Add +13.6% | 0.14% | +0.02 |
| IDHQ Invesco S&P International DE | Add +2.2% | 0.10% | +0.01 |
| DFLV Dim US Large Cap Value ETF | Add +2.4% | 0.31% | +0.01 |
| ABBV Abbvie Inc. | Add +7.8% | 0.10% | +0.01 |
| XBJA Innovator US Eq Ac 9 Buff-J | Add +1.3% | 2.65% | +0.01 |
| MDYV SS SPDR S&P 400 MC Val ETF | Add +1.9% | 0.17% | +0.01 |
| MRK Merck & Co. Inc. | Add +7.7% | 0.11% | +0.01 |
| MDYG SS SPDR S&P 400 MC GR ETF | Add +0.0% | 0.08% | +0.01 |
| VTI VG Morningstar TS MKT ETF-US | Add +0.5% | 0.09% | +0.01 |
| SCHB Schwab US Broad Market ETF | Add +0.3% | 0.08% | +0.00 |
| VTIP Vanguard Short-Term Tips | Add +9.0% | 0.83% | +0.00 |
| VONV Vanguard Russell 1000 Value | Add +0.4% | 0.08% | +0.00 |
| VWO Vanguard Ftse Emerging Marke | Add +0.6% | 0.10% | +0.00 |
| BND Vanguard Total Bond Market | Add +11.2% | 0.06% | +0.00 |
| UAUG Innovator U.S. Equity Ultra | Add +1.0% | 0.09% | −0.00 |
| HD Home Depot Inc. | Add +0.2% | 0.08% | −0.00 |
| GD General Dynamics Corp. | Add +0.4% | 0.11% | −0.01 |
| EMB iShares JP Morgan Usd Emergi | Add +0.3% | 0.10% | −0.01 |
| VYM Vanguard High DVD Yield ETF | Add +2.0% | 3.57% | −0.01 |
| EPD Enterprise Products Partners | Add +0.3% | 0.08% | −0.01 |
| MUB iShares National Muni Bond E | Add +4.6% | 0.50% | −0.01 |
| O Realty Income Corp. | Add +0.1% | 0.22% | −0.02 |
| MCD McDonald's Corp. | Add +0.1% | 0.07% | −0.02 |
| MSFT Microsoft Corp. | Add +0.0% | 0.33% | −0.03 |
| PEP Pepsico Inc. | Add +0.1% | 0.12% | −0.03 |
| BNDX Vanguard Total Intl Bond ETF | Add +4.2% | 0.82% | −0.03 |
| VTES Vanguard SH Term Tax-Ex Bond | Add +5.1% | 0.95% | −0.03 |
| TIP iShares Tips Bond ETF | Add +1.6% | 0.43% | −0.04 |
| BSV Vanguard Short-Term Bond ETF | Add +5.4% | 1.31% | −0.05 |
| VTEB Vanguard Tax-Exempt Bond ETF | Add +2.0% | 1.09% | −0.06 |
| BIV Vanguard Intermediate-Term B | Add +7.3% | 3.21% | −0.07 |
All Filings
| Quarter | Positions | 13F Reported Value | Top Holdings |
|---|---|---|---|
| Q2 2026 | 123 | $367.7M | IJJ, IJT, IJK, IVW, IAU |
| Q1 2026 | 117 | $337.3M | IAU, IJJ, IJT, IJK, IVW |
| Q4 2025 | 120 | $331.8M | IAU, IJJ, IJT, IVW, IJK |
| Q3 2025 | 116 | $317.1M | IAU, IJJ, IVW, IJT, IJK |
| Q2 2025 | 116 | $299.3M | IJJ, IAU, IVW, IJT, IJK |
| Q1 2025 | 109 | $275.7M | IAU, IJJ, IJT, IJK, IVW |
| Q4 2024 | 108 | $271.8M | IJJ, IAU, IVW, IJT, IJK |
| Q3 2024 | 108 | $271.2M | IJJ, IAU, IJT, IJK, IVW |
| Q2 2024 | 106 | $246.5M | IJJ, IVW, IAU, IJT, IJK |
| Q1 2024 | 105 | $246.8M | IJJ, IAU, IJK, IJT, IVW |