Sterling Financial Planning, Inc.

Name: Sterling Financial Planning, Inc. 13F holdings, Q1 2024
Creator: Sterling Financial Planning, Inc.
Published: 2024-05-06

Q2 2026Q1 2026Q4 2025Q3 2025Q2 2025Q1 2025Q4 2024Q3 2024Q2 2024

In its 13F for Q1 2024 (holdings as of March 31, 2024, filed May 6, 2024), Sterling Financial Planning, Inc. reported 105 stock positions worth $246.8 million. Its top holding was iShares S&P Mid-Cap 400 Valu (IJJ) at 6.2% of the portfolio, followed by iShares Gold Trust (IAU, 5.9%) and iShares S&P Mid-Cap 400 Grow (IJK, 5.9%). Compared with Q4 2023, it opened 6 new positions, sold out of 3, added to 26 and reduced 60. The biggest buy was Innovator US Eq Ac 9 Buff-J (XBJA, shares +21%) and the biggest sale iShares S&P Small-Cap 600 Va (IJS, shares −2%).

Most Recent 13F: Q2 2026
Location: SPARTA, NJ
CIK: 0001844278
Portfolio Value: $246.8M (Q1 2024)
SEC Filing: 0001085146-24-002264 ↗ filed May 6, 2024

Holdings Value

Holdings 105 stocks · $246.8M


IJJ iShares S&P Mid-Cap 400 Valu	6.21%	129,620	$15.3M	Add +1.4%
IAU iShares Gold Trust	5.92%	348,104	$14.6M	Add +0.7%
IJK iShares S&P Mid-Cap 400 Grow	5.87%	158,735	$14.5M	Reduce -0.2%
IJT iShares S&P Small-Cap 600 GR	5.75%	108,464	$14.2M	Add +0.2%
IVW iShares S&P 500 Growth ETF	5.62%	164,244	$13.9M	Reduce -4.9%
FNDX Schwab Fndmntl US LRG Co. ETF	3.73%	136,566	$9.2M	Reduce -1.7%
DFIV Dimensional International Va	3.58%	240,400	$8.8M	Add +6.0%
IJS iShares S&P Small-Cap 600 Va	3.51%	84,390	$8.7M	Reduce -2.5%
VYM Vanguard High DVD Yield ETF	3.26%	66,580	$8.1M	Add +0.5%
IVV iShares Core S&P 500 ETF	2.76%	12,969	$6.8M	Reduce -1.8%
BIV Vanguard Intermediate-Term B	2.49%	81,572	$6.2M	Add +18.5%
DISV Dimensional International SM	2.14%	194,449	$5.3M	Add +12.5%
XBJA Innovator US Eq Ac 9 Buff-J	2.07%	189,597	$5.1M	Add +21.2%
IJH iShares Core S&P Midcap ETF	1.93%	78,384	$4.8M	Reduce -4.5%
DFSV Dimensional US Small Cap Val	1.87%	153,557	$4.6M	Add +8.3%
IVE iShares S&P 500 Value ETF	1.87%	24,733	$4.6M	Reduce -0.7%
EFG iShares MSCI Eafe Growth ETF	1.62%	38,478	$4.0M	Reduce -0.8%
DFIP Dimensional Inflation-Protec	1.60%	95,528	$3.9M	Add +21.6%
GOVT iShares US Treasury Bond ETF	1.42%	153,825	$3.5M	Reduce -2.1%
BSV Vanguard Short-Term Bond ETF	1.34%	43,145	$3.3M	Add +3.7%
VOE Vngrd Mrngstr MD-Cap Val ETF	1.32%	20,902	$3.3M	Reduce -1.3%
GLD SPDR Gold Shares	1.31%	15,776	$3.2M	Reduce -1.6%
IDV iShares International Select	1.31%	115,390	$3.2M	Reduce -5.0%
DFEV Dimensional Emrg MRKT Val	1.24%	117,605	$3.1M	Add +15.0%
DFGR Dim Global Real Estate ETF	1.20%	115,719	$3.0M	Add +33.1%
VNQ Vanguard Real Estate ETF	1.17%	33,371	$2.9M	Reduce -2.1%
MUB iShares National Muni Bond E	1.16%	26,700	$2.9M	Reduce -4.0%
QQQ Invesco QQQ Trust Series 1	1.16%	6,421	$2.9M	Reduce -4.7%
AAPL Apple Inc.	1.06%	15,210	$2.6M	Reduce -1.8%
FNDC Schwab Fndmnt Intl SM Eq ETF	1.01%	70,239	$2.5M	Reduce -3.4%
VBR Vngrd Mrngst SL-CP Val ETF-U	1.00%	12,836	$2.5M	Reduce -1.6%
VBK Van Morst SML-Cap Gro-Usd Inc.	0.96%	9,045	$2.4M	Reduce -3.0%
VTEB Vanguard Tax-Exempt Bond ETF	0.91%	44,526	$2.3M	Add +15.9%
VOT Vngrd Mrngstr MC GRW ETF-Usd	0.91%	9,537	$2.2M	Reduce -3.6%
VTES Vanguard SH Term Tax-Ex Bond	0.89%	21,691	$2.2M	Add +24.2%
DGS Wisdomtree Em Small Cap	0.78%	38,085	$1.9M	Add +2.9%
VEA Vanguard Ftse Developed ETF	0.72%	35,326	$1.8M	Reduce -16.6%
JNJ Johnson & Johnson	0.65%	10,116	$1.6M	Reduce -2.6%
VCSH Vanguard S/T Corp. Bond ETF	0.65%	20,682	$1.6M	Add +4.4%
TIP iShares Tips Bond ETF	0.63%	14,464	$1.6M	Reduce -17.8%
VTIP Vanguard Short-Term Tips	0.63%	32,357	$1.5M	Add +10.8%
SCZ iShares MSCI Eafe Small-Cap	0.61%	23,891	$1.5M	Reduce -0.9%
SIGI Selective Insurance Group	0.58%	13,138	$1.4M	No change
PRF Invesco Rafi US 1000 ETF	0.57%	36,653	$1.4M	Reduce -7.2%
SPY SS SPDR S&P 500 ETF Trust-US	0.57%	2,694	$1.4M	Reduce -1.5%
MSFT Microsoft Corp.	0.56%	3,312	$1.4M	Reduce -1.8%
IJR iShares Core S&P Small-Cap E	0.55%	12,272	$1.4M	Reduce -3.8%
BNDX Vanguard Total Intl Bond ETF	0.55%	27,348	$1.3M	Reduce -0.0%
XOM Exxon Mobil Corp.	0.51%	10,723	$1.2M	Reduce -3.7%
BND Vanguard Total Bond Market	0.44%	15,015	$1.1M	Reduce -23.7%
BDX Becton Dickinson and Co.	0.40%	3,965	$981K	Reduce -2.8%
BRK.B Berkshire Hathaway Inc. Class B	0.40%	2,328	$979K	Reduce -9.7%
COST Costco Wholesale Corp.	0.36%	1,214	$889K	Add +32.8%
DFAR Dimensional US Real Est ETF	0.36%	39,414	$882K	Reduce -22.0%
META Meta Platforms Inc. Class A	0.31%	1,557	$756K	Reduce -4.9%
LBAI Lakeland Bancorp Inc.	0.30%	61,770	$747K	Reduce -2.1%
DE Deere & Co.	0.28%	1,655	$680K	Reduce -8.3%
LLY Eli Lilly & Co.	0.27%	863	$671K	Add +0.7%
PJAN Innovator U.S. Equity Power	0.26%	16,661	$652K	Reduce -0.3%
PRFZ Inv Rafi US 1500 SM-Usd Inc.	0.26%	16,391	$644K	Reduce -17.8%
VIG Vanguard Dividend Apprec ETF	0.25%	3,355	$613K	Reduce -2.4%
VUG Vanguard Mrngstar GR ETF-Sui	0.24%	1,712	$589K	Reduce -5.4%
PG The Procter & Gamble Co.	0.23%	3,522	$571K	Reduce -0.3%
MCD McDonald's Corp.	0.22%	1,951	$550K	Reduce -4.5%
RSP Invesco S&P 500 Equal Weight	0.22%	3,228	$547K	Reduce -0.3%
AMZN Amazon.com Inc.	0.22%	3,018	$544K	Reduce -14.9%
HD Home Depot Inc.	0.21%	1,370	$525K	Reduce -2.8%
O Realty Income Corp.	0.21%	9,480	$513K	Add +20.3%
PEP Pepsico Inc.	0.20%	2,880	$504K	Reduce -2.0%
RTX RTX Corp.	0.20%	5,157	$503K	No change
MDYV SS SPDR S&P 400 MC Val ETF	0.20%	6,569	$499K	Reduce -5.1%
SCHE Schwab Emrg Mrkts Eqty ETF	0.20%	19,155	$484K	Reduce -3.1%
VO Vngrd Mrngstr MD-Cap ETF-Usd	0.20%	1,933	$483K	Reduce -5.2%
GOOGL Alphabet Inc. Class A	0.18%	2,877	$434K	Reduce -20.3%
IBM Intl Business Machines Corp. filed as INTERNATIONAL BUSINESS MACHS	0.17%	2,200	$420K	Reduce -6.5%
VWO Vanguard Ftse Emerging Marke	0.17%	10,032	$419K	Add +0.0%
JPM JPMorgan Chase & Co.	0.16%	2,006	$402K	Add +53.6%
EMB iShares JP Morgan Usd Emergi	0.16%	4,337	$389K	Reduce -2.6%
UPS United Parcel Service Class B	0.16%	2,599	$386K	Reduce -12.6%
ABBV Abbvie Inc.	0.16%	2,102	$383K	Reduce -4.1%
QUAL iShares MSCI USA Quality Fac	0.15%	2,244	$369K	Reduce -12.1%
DFIS Dimensional International SM	0.13%	13,109	$329K	Reduce -0.9%
MMM 3M Co.	0.13%	3,022	$321K	New
CAT Caterpillar Inc.	0.12%	841	$308K	No change
GD General Dynamics Corp.	0.12%	1,089	$308K	Add +0.4%
GOOG Alphabet Inc. Class C	0.12%	1,991	$303K	Reduce -4.8%
LOW Lowe's Cos Inc.	0.12%	1,189	$303K	No change
CARR Carrier Global Corp.	0.12%	5,000	$291K	No change
IHI iShares U.S. Medical Devices	0.12%	4,943	$290K	Add +0.0%
V Visa Inc. Class A	0.12%	1,027	$287K	New
MRK Merck & Co. Inc.	0.11%	2,104	$278K	No change
UAUG Innovator U.S. Equity Ultra	0.11%	8,446	$276K	No change
MDYG SS SPDR S&P 400 MC GR ETF	0.11%	3,121	$272K	No change
DVY iShares Select Dividend ETF	0.11%	2,165	$267K	No change
DIVS Guinness Atkinson DVD BL-Usd	0.10%	9,376	$256K	Reduce -3.8%
CVX Chevron Corp.	0.10%	1,604	$253K	Reduce -0.5%
BIL SS SPDR BB 1-3M T-Bill ETF	0.10%	2,732	$251K	No change
OTIS Otis Worldwide Corp.	0.10%	2,500	$248K	No change
DFUS Dimensional US Eq MKT ETF	0.10%	4,165	$237K	New
IDHQ Invesco S&P International DE	0.09%	7,551	$232K	Add +1.3%
LRCX Lam Research Corp.	0.09%	222	$216K	New
VONV Vanguard Russell 1000 Value	0.09%	2,682	$211K	New
VZ Verizon Communications Inc.	0.08%	4,964	$208K	New
ES Eversource Energy	0.08%	3,452	$206K	No change
BDJ BlackRock Enhanced Eqty DVD	0.05%	13,831	$114K	No change

Portfolio Sells Q4 2023 → Q1 2024


IJS iShares S&P Small-Cap 600 Va	Reduce -2.5%	3.51%	−0.35
AAPL Apple Inc.	Reduce -1.8%	1.06%	−0.23
TIP iShares Tips Bond ETF	Reduce -17.8%	0.63%	−0.19
BND Vanguard Total Bond Market	Reduce -23.7%	0.44%	−0.18
VEA Vanguard Ftse Developed ETF	Reduce -16.6%	0.72%	−0.16
IDV iShares International Select	Reduce -5.0%	1.31%	−0.16
GOVT iShares US Treasury Bond ETF	Reduce -2.1%	1.42%	−0.15
MUB iShares National Muni Bond E	Reduce -4.0%	1.16%	−0.14
DFAR Dimensional US Real Est ETF	Reduce -22.0%	0.36%	−0.14
VNQ Vanguard Real Estate ETF	Reduce -2.1%	1.17%	−0.13
WBS Webster Financial Corp.	Sold out	0.00%	−0.11
LBAI Lakeland Bancorp Inc.	Reduce -2.1%	0.30%	−0.10
ADP Automatic Data Processing	Sold out	0.00%	−0.10
TD Toronto-Dominion Bank	Sold out	0.00%	−0.09
FNDC Schwab Fndmnt Intl SM Eq ETF	Reduce -3.4%	1.01%	−0.09
PRFZ Inv Rafi US 1500 SM-Usd Inc.	Reduce -17.8%	0.26%	−0.06
JNJ Johnson & Johnson	Reduce -2.6%	0.65%	−0.06
IJR iShares Core S&P Small-Cap E	Reduce -3.8%	0.55%	−0.05
UPS United Parcel Service Class B	Reduce -12.6%	0.16%	−0.05
GOOGL Alphabet Inc. Class A	Reduce -20.3%	0.18%	−0.04
IJH iShares Core S&P Midcap ETF	Reduce -4.5%	1.93%	−0.04
BNDX Vanguard Total Intl Bond ETF	Reduce -0.0%	0.55%	−0.04
MCD McDonald's Corp.	Reduce -4.5%	0.22%	−0.04
QQQ Invesco QQQ Trust Series 1	Reduce -4.7%	1.16%	−0.04
DE Deere & Co.	Reduce -8.3%	0.28%	−0.04
BDX Becton Dickinson and Co.	Reduce -2.8%	0.40%	−0.03
SCZ iShares MSCI Eafe Small-Cap	Reduce -0.9%	0.61%	−0.03
PRF Invesco Rafi US 1000 ETF	Reduce -7.2%	0.57%	−0.03
VOT Vngrd Mrngstr MC GRW ETF-Usd	Reduce -3.6%	0.91%	−0.03
VBK Van Morst SML-Cap Gro-Usd Inc.	Reduce -3.0%	0.96%	−0.02
VBR Vngrd Mrngst SL-CP Val ETF-U	Reduce -1.6%	1.00%	−0.02
MDYV SS SPDR S&P 400 MC Val ETF	Reduce -5.1%	0.20%	−0.02
SCHE Schwab Emrg Mrkts Eqty ETF	Reduce -3.1%	0.20%	−0.02
EMB iShares JP Morgan Usd Emergi	Reduce -2.6%	0.16%	−0.01
QUAL iShares MSCI USA Quality Fac	Reduce -12.1%	0.15%	−0.01
AMZN Amazon.com Inc.	Reduce -14.9%	0.22%	−0.01
GLD SPDR Gold Shares	Reduce -1.6%	1.31%	−0.01
PEP Pepsico Inc.	Reduce -2.0%	0.20%	−0.01
VO Vngrd Mrngstr MD-Cap ETF-Usd	Reduce -5.2%	0.20%	−0.01
VOE Vngrd Mrngstr MD-Cap Val ETF	Reduce -1.3%	1.32%	−0.01
EFG iShares MSCI Eafe Growth ETF	Reduce -0.8%	1.62%	−0.01
DIVS Guinness Atkinson DVD BL-Usd	Reduce -3.8%	0.10%	−0.01
DFIS Dimensional International SM	Reduce -0.9%	0.13%	−0.01
PJAN Innovator U.S. Equity Power	Reduce -0.3%	0.26%	−0.01
VIG Vanguard Dividend Apprec ETF	Reduce -2.4%	0.25%	−0.01
VUG Vanguard Mrngstar GR ETF-Sui	Reduce -5.4%	0.24%	−0.00
GOOG Alphabet Inc. Class C	Reduce -4.8%	0.12%	−0.00
IVE iShares S&P 500 Value ETF	Reduce -0.7%	1.87%	−0.00
BRK.B Berkshire Hathaway Inc. Class B	Reduce -9.7%	0.40%	−0.00
CVX Chevron Corp.	Reduce -0.5%	0.10%	−0.00

Portfolio Buys Q4 2023 → Q1 2024


XBJA Innovator US Eq Ac 9 Buff-J	Add +21.2%	2.07%	+0.33
DFGR Dim Global Real Estate ETF	Add +33.1%	1.20%	+0.22
BIV Vanguard Intermediate-Term B	Add +18.5%	2.49%	+0.22
DISV Dimensional International SM	Add +12.5%	2.14%	+0.21
DFIV Dimensional International Va	Add +6.0%	3.58%	+0.20
DFIP Dimensional Inflation-Protec	Add +21.6%	1.60%	+0.19
MMM 3M Co.	New	0.13%	+0.13
DFEV Dimensional Emrg MRKT Val	Add +15.0%	1.24%	+0.12
VTES Vanguard SH Term Tax-Ex Bond	Add +24.2%	0.89%	+0.12
V Visa Inc. Class A	New	0.12%	+0.12
COST Costco Wholesale Corp.	Add +32.8%	0.36%	+0.10
DFUS Dimensional US Eq MKT ETF	New	0.10%	+0.10
LRCX Lam Research Corp.	New	0.09%	+0.09
DFSV Dimensional US Small Cap Val	Add +8.3%	1.87%	+0.09
VONV Vanguard Russell 1000 Value	New	0.09%	+0.09
VZ Verizon Communications Inc.	New	0.08%	+0.08
IAU iShares Gold Trust	Add +0.7%	5.92%	+0.08
JPM JPMorgan Chase & Co.	Add +53.6%	0.16%	+0.07
VTEB Vanguard Tax-Exempt Bond ETF	Add +15.9%	0.91%	+0.06
VYM Vanguard High DVD Yield ETF	Add +0.5%	3.26%	+0.06
LLY Eli Lilly & Co.	Add +0.7%	0.27%	+0.06
VTIP Vanguard Short-Term Tips	Add +10.8%	0.63%	+0.03
O Realty Income Corp.	Add +20.3%	0.21%	+0.01
GD General Dynamics Corp.	Add +0.4%	0.12%	+0.00
IHI iShares U.S. Medical Devices	Add +0.0%	0.12%	+0.00
IDHQ Invesco S&P International DE	Add +1.3%	0.09%	+0.00
VWO Vanguard Ftse Emerging Marke	Add +0.0%	0.17%	−0.01
DGS Wisdomtree Em Small Cap	Add +2.9%	0.78%	−0.02
VCSH Vanguard S/T Corp. Bond ETF	Add +4.4%	0.65%	−0.02
BSV Vanguard Short-Term Bond ETF	Add +3.7%	1.34%	−0.05
IJJ iShares S&P Mid-Cap 400 Valu	Add +1.4%	6.21%	−0.10
IJT iShares S&P Small-Cap 600 GR	Add +0.2%	5.75%	−0.12

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