Sterling Financial Planning, Inc.

In its 13F for Q2 2024 (holdings as of June 30, 2024, filed July 30, 2024), Sterling Financial Planning, Inc. reported 106 stock positions worth $246.5 million. Its top holding was iShares S&P Mid-Cap 400 Valu (IJJ) at 6.1% of the portfolio, followed by iShares S&P 500 Growth ETF (IVW, 5.9%) and iShares Gold Trust (IAU, 5.9%). Compared with Q1 2024, it opened 3 new positions, sold out of 2, added to 33 and reduced 45. The biggest buy was Dim Global Real Estate ETF (DFGR, shares +31%) and the biggest sale iShares National Muni Bond E (MUB, shares −34%).

Most Recent 13F
Q2 2026
Location
SPARTA, NJ
CIK
0001844278
Portfolio Value
$246.5M (Q2 2024)
SEC Filing
0001085146-24-003349 ↗ filed Jul 30, 2024

Holdings Value

0$100.0M$200.0M$300.0M$400.0M Q1 2024: $246.8M Q1 2024 Q2 2024: $246.5M $246.5M Q2 2024 Q3 2024: $271.2M Q3 2024 Q4 2024: $271.8M Q4 2024 Q1 2025: $275.7M Q1 2025 Q2 2025: $299.3M Q2 2025 Q3 2025: $317.1M Q3 2025 Q4 2025: $331.8M Q4 2025 Q1 2026: $337.3M Q1 2026 Q2 2026: $367.7M Q2 2026

Holdings 106 stocks · $246.5M
IJJ iShares S&P Mid-Cap 400 Valu 6.07% 131,801 $15.0M Add +1.7%
IVW iShares S&P 500 Growth ETF 5.92% 157,541 $14.6M Reduce -4.1%
IAU iShares Gold Trust 5.87% 329,362 $14.5M Reduce -5.4%
IJT iShares S&P Small-Cap 600 GR 5.73% 109,915 $14.1M Add +1.3%
IJK iShares S&P Mid-Cap 400 Grow 5.71% 159,757 $14.1M Add +0.6%
DFIV Dimensional International Va 3.77% 258,298 $9.3M Add +7.5%
FNDX Schwab Fndmntl US LRG Co. ETF 3.70% 136,117 $9.1M Reduce -0.3%
VYM Vanguard High DVD Yield ETF 3.29% 68,404 $8.1M Add +2.7%
IJS iShares S&P Small-Cap 600 Va 3.28% 83,213 $8.1M Reduce -1.4%
IVV iShares Core S&P 500 ETF 2.78% 12,507 $6.8M Reduce -3.6%
BIV Vanguard Intermediate-Term B 2.75% 90,593 $6.8M Add +11.1%
DISV Dimensional International SM 2.41% 220,684 $5.9M Add +13.5%
XBJA Innovator US Eq Ac 9 Buff-J 2.35% 208,997 $5.8M Add +10.2%
DFSV Dimensional US Small Cap Val 2.01% 171,767 $4.9M Add +11.9%
IVE iShares S&P 500 Value ETF 1.78% 24,139 $4.4M Reduce -2.4%
IJH iShares Core S&P Midcap ETF 1.74% 73,275 $4.3M Reduce -6.5%
EFG iShares MSCI Eafe Growth ETF 1.68% 40,359 $4.1M Add +4.9%
DFGR Dim Global Real Estate ETF 1.53% 151,277 $3.8M Add +30.7%
DFEV Dimensional Emrg MRKT Val 1.49% 133,783 $3.7M Add +13.8%
DFIP Dimensional Inflation-Protec 1.44% 86,678 $3.5M Reduce -9.3%
GOVT iShares US Treasury Bond ETF 1.36% 148,546 $3.4M Reduce -3.4%
GLD SPDR Gold Shares 1.35% 15,420 $3.3M Reduce -2.3%
QQQ Invesco QQQ Trust Series 1 1.33% 6,843 $3.3M Add +6.6%
AAPL Apple Inc. 1.31% 15,304 $3.2M Add +0.6%
BSV Vanguard Short-Term Bond ETF 1.29% 41,444 $3.2M Reduce -3.9%
VOE Vngrd Mrngstr MD-Cap Val ETF 1.20% 19,619 $3.0M Reduce -6.1%
IDV iShares International Select 1.15% 102,184 $2.8M Reduce -11.4%
VNQ Vanguard Real Estate ETF 1.08% 31,847 $2.7M Reduce -4.6%
FNDC Schwab Fndmnt Intl SM Eq ETF 0.98% 69,319 $2.4M Reduce -1.3%
VTEB Vanguard Tax-Exempt Bond ETF 0.98% 48,071 $2.4M Add +8.0%
VBR Vngrd Mrngst SL-CP Val ETF-U 0.91% 12,327 $2.2M Reduce -4.0%
VOT Vngrd Mrngstr MC GRW ETF-Usd 0.87% 9,309 $2.1M Reduce -2.4%
VBK Van Morst SML-Cap Gro-Usd Inc. 0.84% 8,303 $2.1M Reduce -8.2%
DGS Wisdomtree Em Small Cap 0.82% 39,123 $2.0M Add +2.7%
VTES Vanguard SH Term Tax-Ex Bond 0.77% 19,070 $1.9M Reduce -12.1%
MUB iShares National Muni Bond E 0.76% 17,618 $1.9M Reduce -34.0%
VCSH Vanguard S/T Corp. Bond ETF 0.76% 24,271 $1.9M Add +17.4%
VTIP Vanguard Short-Term Tips 0.69% 35,149 $1.7M Add +8.6%
VEA Vanguard Ftse Developed ETF 0.68% 33,960 $1.7M Reduce -3.9%
TIP iShares Tips Bond ETF 0.64% 14,688 $1.6M Add +1.6%
MSFT Microsoft Corp. 0.60% 3,312 $1.5M No change
SPY SS SPDR S&P 500 ETF Trust-US 0.60% 2,720 $1.5M Add +1.0%
BNDX Vanguard Total Intl Bond ETF 0.60% 30,303 $1.5M Add +10.8%
PRF Invesco Rafi US 1000 ETF 0.56% 36,643 $1.4M Reduce -0.0%
JNJ Johnson & Johnson 0.55% 9,223 $1.3M Reduce -8.8%
SCZ iShares MSCI Eafe Small-Cap 0.53% 21,277 $1.3M Reduce -10.9%
IJR iShares Core S&P Small-Cap E 0.52% 12,072 $1.3M Reduce -1.6%
SIGI Selective Insurance Group 0.48% 12,618 $1.2M Reduce -4.0%
COST Costco Wholesale Corp. 0.42% 1,214 $1.0M No change
XOM Exxon Mobil Corp. 0.41% 8,675 $999K Reduce -19.1%
BRK.B Berkshire Hathaway Inc. Class B 0.38% 2,296 $934K Reduce -1.4%
DFAR Dimensional US Real Est ETF 0.38% 42,032 $929K Add +6.6%
BDX Becton Dickinson and Co. 0.37% 3,947 $923K Reduce -0.5%
META Meta Platforms Inc. Class A 0.32% 1,557 $785K No change
LLY Eli Lilly & Co. 0.31% 844 $764K Reduce -2.2%
VUG Vanguard Mrngstar GR ETF-Sui 0.30% 1,987 $743K Add +16.1%
PJAN Innovator U.S. Equity Power 0.27% 16,661 $670K No change
PFS Provident Financial Services 0.24% 42,036 $603K New
VIG Vanguard Dividend Apprec ETF 0.24% 3,245 $592K Reduce -3.3%
AMZN Amazon.com Inc. 0.24% 3,028 $585K Add +0.3%
PG The Procter & Gamble Co. 0.24% 3,522 $581K No change
PRFZ Inv Rafi US 1500 SM-Usd Inc. 0.23% 14,659 $559K Reduce -10.6%
RSP Invesco S&P 500 Equal Weight 0.21% 3,216 $528K Reduce -0.4%
RTX RTX Corp. 0.21% 5,157 $518K No change
BND Vanguard Total Bond Market 0.21% 7,084 $510K Reduce -52.8%
SCHE Schwab Emrg Mrkts Eqty ETF 0.21% 19,159 $509K Add +0.0%
O Realty Income Corp. 0.20% 9,480 $501K No change
MCD McDonald's Corp. 0.20% 1,951 $497K No change
DFUS Dimensional US Eq MKT ETF 0.20% 8,420 $496K Add +102.2%
GOOGL Alphabet Inc. Class A 0.20% 2,719 $495K Reduce -5.5%
MDYV SS SPDR S&P 400 MC Val ETF 0.19% 6,524 $476K Reduce -0.7%
MMM 3M Co. 0.19% 4,649 $475K Add +53.8%
HD Home Depot Inc. 0.19% 1,372 $472K Add +0.1%
PEP Pepsico Inc. 0.19% 2,826 $466K Reduce -1.9%
VO Vngrd Mrngstr MD-Cap ETF-Usd 0.19% 1,904 $461K Reduce -1.5%
JPM JPMorgan Chase & Co. 0.16% 1,956 $396K Reduce -2.5%
DE Deere & Co. 0.16% 1,055 $394K Reduce -36.3%
EMB iShares JP Morgan Usd Emergi 0.16% 4,347 $385K Add +0.2%
IBM Intl Business Machines Corp. filed as INTERNATIONAL BUSINESS MACHS 0.15% 2,200 $381K No change
ABBV Abbvie Inc. 0.15% 2,102 $361K No change
UPS United Parcel Service Class B 0.14% 2,599 $356K No change
GOOG Alphabet Inc. Class C 0.14% 1,891 $347K Reduce -5.0%
DFIS Dimensional International SM 0.13% 13,116 $323K Add +0.1%
GD General Dynamics Corp. 0.13% 1,093 $317K Add +0.4%
CARR Carrier Global Corp. 0.13% 5,000 $315K No change
DFLV Dim US Large Cap Value ETF 0.12% 10,120 $293K New
UAUG Innovator U.S. Equity Ultra 0.12% 8,446 $284K No change
CAT Caterpillar Inc. 0.11% 841 $280K No change
IHI iShares U.S. Medical Devices 0.11% 4,945 $277K Add +0.0%
V Visa Inc. Class A 0.11% 1,027 $270K No change
VWO Vanguard Ftse Emerging Marke 0.11% 6,148 $269K Reduce -38.7%
QUAL iShares MSCI USA Quality Fac 0.11% 1,545 $264K Reduce -31.1%
DVY iShares Select Dividend ETF 0.11% 2,165 $262K No change
MRK Merck & Co. Inc. 0.11% 2,104 $260K No change
DIVS Guinness Atkinson DVD BL-Usd 0.11% 9,376 $260K No change
LOW Lowe's Cos Inc. 0.10% 1,174 $259K Reduce -1.3%
XBAP Innovator US Eqy Accel 9 Buf 0.10% 8,008 $259K New
CVX Chevron Corp. 0.10% 1,604 $251K No change
BIL SS SPDR BB 1-3M T-Bill ETF 0.10% 2,732 $251K No change
OTIS Otis Worldwide Corp. 0.10% 2,500 $241K No change
MDYG SS SPDR S&P 400 MC GR ETF 0.10% 2,815 $237K Reduce -9.8%
LRCX Lam Research Corp. 0.10% 222 $236K No change
IDHQ Invesco S&P International DE 0.10% 7,727 $235K Add +2.3%
VONV Vanguard Russell 1000 Value 0.08% 2,682 $205K No change
VZ Verizon Communications Inc. 0.08% 4,964 $205K No change
BDJ BlackRock Enhanced Eqty DVD 0.05% 13,831 $113K No change

Portfolio Sells Q1 2024 → Q2 2024
MUB iShares National Muni Bond E Reduce -34.0% 0.76% −0.40
LBAI Lakeland Bancorp Inc. Sold out 0.00% −0.30
BND Vanguard Total Bond Market Reduce -52.8% 0.21% −0.23
IJS iShares S&P Small-Cap 600 Va Reduce -1.4% 3.28% −0.23
IJH iShares Core S&P Midcap ETF Reduce -6.5% 1.74% −0.19
IDV iShares International Select Reduce -11.4% 1.15% −0.16
DFIP Dimensional Inflation-Protec Reduce -9.3% 1.44% −0.16
VOE Vngrd Mrngstr MD-Cap Val ETF Reduce -6.1% 1.20% −0.12
DE Deere & Co. Reduce -36.3% 0.16% −0.12
VBK Van Morst SML-Cap Gro-Usd Inc. Reduce -8.2% 0.84% −0.11
VTES Vanguard SH Term Tax-Ex Bond Reduce -12.1% 0.77% −0.11
JNJ Johnson & Johnson Reduce -8.8% 0.55% −0.10
SIGI Selective Insurance Group Reduce -4.0% 0.48% −0.10
XOM Exxon Mobil Corp. Reduce -19.1% 0.41% −0.10
IVE iShares S&P 500 Value ETF Reduce -2.4% 1.78% −0.09
VNQ Vanguard Real Estate ETF Reduce -4.6% 1.08% −0.09
VBR Vngrd Mrngst SL-CP Val ETF-U Reduce -4.0% 0.91% −0.08
ES Eversource Energy Sold out 0.00% −0.08
SCZ iShares MSCI Eafe Small-Cap Reduce -10.9% 0.53% −0.08
VWO Vanguard Ftse Emerging Marke Reduce -38.7% 0.11% −0.06
GOVT iShares US Treasury Bond ETF Reduce -3.4% 1.36% −0.06
IAU iShares Gold Trust Reduce -5.4% 5.87% −0.05
BSV Vanguard Short-Term Bond ETF Reduce -3.9% 1.29% −0.05
VOT Vngrd Mrngstr MC GRW ETF-Usd Reduce -2.4% 0.87% −0.04
QUAL iShares MSCI USA Quality Fac Reduce -31.1% 0.11% −0.04
VEA Vanguard Ftse Developed ETF Reduce -3.9% 0.68% −0.04
PRFZ Inv Rafi US 1500 SM-Usd Inc. Reduce -10.6% 0.23% −0.03
FNDC Schwab Fndmnt Intl SM Eq ETF Reduce -1.3% 0.98% −0.03
FNDX Schwab Fndmntl US LRG Co. ETF Reduce -0.3% 3.70% −0.03
IJR iShares Core S&P Small-Cap E Reduce -1.6% 0.52% −0.03
BDX Becton Dickinson and Co. Reduce -0.5% 0.37% −0.02
BRK.B Berkshire Hathaway Inc. Class B Reduce -1.4% 0.38% −0.02
LOW Lowe's Cos Inc. Reduce -1.3% 0.10% −0.02
PEP Pepsico Inc. Reduce -1.9% 0.19% −0.02
MDYG SS SPDR S&P 400 MC GR ETF Reduce -9.8% 0.10% −0.01
MDYV SS SPDR S&P 400 MC Val ETF Reduce -0.7% 0.19% −0.01
VO Vngrd Mrngstr MD-Cap ETF-Usd Reduce -1.5% 0.19% −0.01
VIG Vanguard Dividend Apprec ETF Reduce -3.3% 0.24% −0.01
RSP Invesco S&P 500 Equal Weight Reduce -0.4% 0.21% −0.01
PRF Invesco Rafi US 1000 ETF Reduce -0.0% 0.56% −0.01
JPM JPMorgan Chase & Co. Reduce -2.5% 0.16% −0.00
IVV iShares Core S&P 500 ETF Reduce -3.6% 2.78% +0.01
GOOG Alphabet Inc. Class C Reduce -5.0% 0.14% +0.02
GOOGL Alphabet Inc. Class A Reduce -5.5% 0.20% +0.03
GLD SPDR Gold Shares Reduce -2.3% 1.35% +0.03
LLY Eli Lilly & Co. Reduce -2.2% 0.31% +0.04
IVW iShares S&P 500 Growth ETF Reduce -4.1% 5.92% +0.30

Portfolio Buys Q1 2024 → Q2 2024
DFGR Dim Global Real Estate ETF Add +30.7% 1.53% +0.34
XBJA Innovator US Eq Ac 9 Buff-J Add +10.2% 2.35% +0.27
DISV Dimensional International SM Add +13.5% 2.41% +0.27
BIV Vanguard Intermediate-Term B Add +11.1% 2.75% +0.26
DFEV Dimensional Emrg MRKT Val Add +13.8% 1.49% +0.26
AAPL Apple Inc. Add +0.6% 1.31% +0.25
PFS Provident Financial Services New 0.24% +0.24
DFIV Dimensional International Va Add +7.5% 3.77% +0.19
QQQ Invesco QQQ Trust Series 1 Add +6.6% 1.33% +0.18
DFSV Dimensional US Small Cap Val Add +11.9% 2.01% +0.13
DFLV Dim US Large Cap Value ETF New 0.12% +0.12
VCSH Vanguard S/T Corp. Bond ETF Add +17.4% 0.76% +0.11
DFUS Dimensional US Eq MKT ETF Add +102.2% 0.20% +0.10
XBAP Innovator US Eqy Accel 9 Buf New 0.10% +0.10
VTEB Vanguard Tax-Exempt Bond ETF Add +8.0% 0.98% +0.06
VTIP Vanguard Short-Term Tips Add +8.6% 0.69% +0.06
MMM 3M Co. Add +53.8% 0.19% +0.06
VUG Vanguard Mrngstar GR ETF-Sui Add +16.1% 0.30% +0.06
EFG iShares MSCI Eafe Growth ETF Add +4.9% 1.68% +0.06
BNDX Vanguard Total Intl Bond ETF Add +10.8% 0.60% +0.05
DGS Wisdomtree Em Small Cap Add +2.7% 0.82% +0.03
SPY SS SPDR S&P 500 ETF Trust-US Add +1.0% 0.60% +0.03
VYM Vanguard High DVD Yield ETF Add +2.7% 3.29% +0.03
DFAR Dimensional US Real Est ETF Add +6.6% 0.38% +0.02
AMZN Amazon.com Inc. Add +0.3% 0.24% +0.02
SCHE Schwab Emrg Mrkts Eqty ETF Add +0.0% 0.21% +0.01
TIP iShares Tips Bond ETF Add +1.6% 0.64% +0.01
GD General Dynamics Corp. Add +0.4% 0.13% +0.00
IDHQ Invesco S&P International DE Add +2.3% 0.10% +0.00
EMB iShares JP Morgan Usd Emergi Add +0.2% 0.16% −0.00
DFIS Dimensional International SM Add +0.1% 0.13% −0.00
IHI iShares U.S. Medical Devices Add +0.0% 0.11% −0.00
IJT iShares S&P Small-Cap 600 GR Add +1.3% 5.73% −0.02
HD Home Depot Inc. Add +0.1% 0.19% −0.02
IJJ iShares S&P Mid-Cap 400 Valu Add +1.7% 6.07% −0.14
IJK iShares S&P Mid-Cap 400 Grow Add +0.6% 5.71% −0.16

All Filings

QuarterPositions13F Reported ValueTop Holdings
Q2 2026 123$367.7MIJJ, IJT, IJK, IVW, IAU
Q1 2026 117$337.3MIAU, IJJ, IJT, IJK, IVW
Q4 2025 120$331.8MIAU, IJJ, IJT, IVW, IJK
Q3 2025 116$317.1MIAU, IJJ, IVW, IJT, IJK
Q2 2025 116$299.3MIJJ, IAU, IVW, IJT, IJK
Q1 2025 109$275.7MIAU, IJJ, IJT, IJK, IVW
Q4 2024 108$271.8MIJJ, IAU, IVW, IJT, IJK
Q3 2024 108$271.2MIJJ, IAU, IJT, IJK, IVW
Q2 2024 106$246.5MIJJ, IVW, IAU, IJT, IJK
Q1 2024 105$246.8MIJJ, IAU, IJK, IJT, IVW