Sterling Financial Planning, Inc.
In its 13F for Q3 2024 (holdings as of September 30, 2024, filed October 31, 2024), Sterling Financial Planning, Inc. reported 108 stock positions worth $271.2 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, 6.0%) and iShares S&P Small-Cap 600 GR (IJT, 5.8%). Compared with Q2 2024, it opened 3 new positions, sold out of 1, added to 35 and reduced 48. The biggest buy was Dimensional International Va (DFIV, shares +12%) and the biggest sale iShares S&P 500 Growth ETF (IVW, shares −1%).
- Most Recent 13F
- Q2 2026
- Location
- SPARTA, NJ
- CIK
- 0001844278
- Portfolio Value
- $271.2M (Q3 2024)
- SEC Filing
- 0001085146-24-005252 ↗ filed Oct 31, 2024
Holdings Value
Holdings 108 stocks · $271.2M
| IJJ iShares S&P Mid-Cap 400 Valu | 6.23% | 136,739 | $16.9M | Add +3.8% |
| IAU iShares Gold Trust | 6.05% | 329,906 | $16.4M | Add +0.2% |
| IJT iShares S&P Small-Cap 600 GR | 5.83% | 113,280 | $15.8M | Add +3.1% |
| IJK iShares S&P Mid-Cap 400 Grow | 5.56% | 164,099 | $15.1M | Add +2.7% |
| IVW iShares S&P 500 Growth ETF | 5.49% | 155,573 | $14.9M | Reduce -1.3% |
| DFIV Dimensional International Va | 4.06% | 289,058 | $11.0M | Add +11.9% |
| FNDX Schwab Fndmntl US LRG Co. ETF | 3.59% | 135,810 | $9.7M | Reduce -0.2% |
| VYM Vanguard High DVD Yield ETF | 3.28% | 69,394 | $8.9M | Add +1.4% |
| IJS iShares S&P Small-Cap 600 Va | 3.25% | 81,962 | $8.8M | Reduce -1.5% |
| BIV Vanguard Intermediate-Term B | 2.75% | 95,277 | $7.5M | Add +5.2% |
| DISV Dimensional International SM | 2.66% | 248,411 | $7.2M | Add +12.6% |
| IVV iShares Core S&P 500 ETF | 2.64% | 12,435 | $7.2M | Reduce -0.6% |
| XBJA Innovator US Eq Ac 9 Buff-J | 2.32% | 222,056 | $6.3M | Add +6.3% |
| DFSV Dimensional US Small Cap Val | 2.22% | 195,126 | $6.0M | Add +13.6% |
| DFGR Dim Global Real Estate ETF | 1.77% | 165,911 | $4.8M | Add +9.7% |
| IVE iShares S&P 500 Value ETF | 1.75% | 24,012 | $4.7M | Reduce -0.5% |
| EFG iShares MSCI Eafe Growth ETF | 1.66% | 41,751 | $4.5M | Add +3.5% |
| IJH iShares Core S&P Midcap ETF | 1.66% | 72,089 | $4.5M | Reduce -1.6% |
| DFEV Dimensional Emrg MRKT Val | 1.60% | 152,253 | $4.3M | Add +13.8% |
| DFIP Dimensional Inflation-Protec | 1.58% | 101,303 | $4.3M | Add +16.9% |
| GLD SPDR Gold Shares | 1.36% | 15,148 | $3.7M | Reduce -1.8% |
| GOVT iShares US Treasury Bond ETF | 1.35% | 156,601 | $3.7M | Add +5.4% |
| AAPL Apple Inc. | 1.29% | 15,067 | $3.5M | Reduce -1.6% |
| BSV Vanguard Short-Term Bond ETF | 1.27% | 43,911 | $3.5M | Add +6.0% |
| QQQ Invesco QQQ Trust Series 1 | 1.22% | 6,781 | $3.3M | Reduce -0.9% |
| VOE Vngrd Mrngstr MD-Cap Val ETF | 1.21% | 19,650 | $3.3M | Add +0.2% |
| VNQ Vanguard Real Estate ETF | 1.14% | 31,671 | $3.1M | Reduce -0.6% |
| IDV iShares International Select | 1.05% | 94,282 | $2.9M | Reduce -7.7% |
| VTEB Vanguard Tax-Exempt Bond ETF | 0.96% | 50,963 | $2.6M | Add +6.0% |
| FNDC Schwab Fndmnt Intl SM Eq ETF | 0.95% | 67,531 | $2.6M | Reduce -2.6% |
| VBR Vngrd Mrngst SL-CP Val ETF-U | 0.90% | 12,208 | $2.5M | Reduce -1.0% |
| VOT Vngrd Mrngstr MC GRW ETF-Usd | 0.83% | 9,225 | $2.2M | Reduce -0.9% |
| VBK Van Morst SML-Cap Gro-Usd Inc. | 0.81% | 8,228 | $2.2M | Reduce -0.9% |
| DGS Wisdomtree Em Small Cap | 0.79% | 39,862 | $2.1M | Add +1.9% |
| VCSH Vanguard S/T Corp. Bond ETF | 0.79% | 26,905 | $2.1M | Add +10.8% |
| VTES Vanguard SH Term Tax-Ex Bond | 0.78% | 20,785 | $2.1M | Add +9.0% |
| MUB iShares National Muni Bond E | 0.70% | 17,423 | $1.9M | Reduce -1.1% |
| VTIP Vanguard Short-Term Tips | 0.68% | 37,603 | $1.9M | Add +7.0% |
| BNDX Vanguard Total Intl Bond ETF | 0.64% | 34,573 | $1.7M | Add +14.1% |
| VEA Vanguard Ftse Developed ETF | 0.63% | 32,166 | $1.7M | Reduce -5.3% |
| TIP iShares Tips Bond ETF | 0.60% | 14,655 | $1.6M | Reduce -0.2% |
| SPY SS SPDR S&P 500 ETF Trust-US | 0.57% | 2,712 | $1.6M | Reduce -0.3% |
| PRF Invesco Rafi US 1000 ETF | 0.55% | 36,640 | $1.5M | Reduce -0.0% |
| MSFT Microsoft Corp. | 0.54% | 3,418 | $1.5M | Add +3.2% |
| JNJ Johnson & Johnson | 0.54% | 9,071 | $1.5M | Reduce -1.6% |
| SCZ iShares MSCI Eafe Small-Cap | 0.53% | 21,051 | $1.4M | Reduce -1.1% |
| IJR iShares Core S&P Small-Cap E | 0.50% | 11,700 | $1.4M | Reduce -3.1% |
| SIGI Selective Insurance Group | 0.43% | 12,618 | $1.2M | No change |
| COST Costco Wholesale Corp. | 0.40% | 1,214 | $1.1M | No change |
| DFAR Dimensional US Real Est ETF | 0.39% | 41,119 | $1.1M | Reduce -2.2% |
| BRK.B Berkshire Hathaway Inc. Class B | 0.37% | 2,186 | $1.0M | Reduce -4.8% |
| XOM Exxon Mobil Corp. | 0.36% | 8,222 | $964K | Reduce -5.2% |
| META Meta Platforms Inc. Class A | 0.33% | 1,577 | $903K | Add +1.3% |
| BDX Becton Dickinson and Co. | 0.29% | 3,264 | $787K | Reduce -17.3% |
| PFS Provident Financial Services | 0.29% | 42,034 | $780K | Reduce 0.0% |
| VUG Vanguard Mrngstar GR ETF-Sui | 0.28% | 2,007 | $771K | Add +1.0% |
| LLY Eli Lilly & Co. | 0.26% | 805 | $713K | Reduce -4.6% |
| PJAN Innovator U.S. Equity Power | 0.25% | 16,661 | $688K | No change |
| DFLV Dim US Large Cap Value ETF | 0.23% | 20,672 | $637K | Add +104.3% |
| MMM 3M Co. | 0.23% | 4,612 | $631K | Reduce -0.8% |
| RTX RTX Corp. | 0.23% | 5,157 | $625K | No change |
| VIG Vanguard Dividend Apprec ETF | 0.23% | 3,127 | $619K | Reduce -3.6% |
| O Realty Income Corp. | 0.22% | 9,480 | $601K | No change |
| PRFZ Inv Rafi US 1500 SM-Usd Inc. | 0.22% | 14,371 | $597K | Reduce -2.0% |
| MCD McDonald's Corp. | 0.22% | 1,951 | $594K | No change |
| PG The Procter & Gamble Co. | 0.22% | 3,376 | $585K | Reduce -4.2% |
| AMZN Amazon.com Inc. | 0.21% | 3,091 | $576K | Add +2.1% |
| DFUS Dimensional US Eq MKT ETF | 0.21% | 9,173 | $571K | Add +8.9% |
| RSP Invesco S&P 500 Equal Weight | 0.21% | 3,165 | $567K | Reduce -1.6% |
| BND Vanguard Total Bond Market | 0.20% | 7,084 | $532K | No change |
| SCHE Schwab Emrg Mrkts Eqty ETF | 0.19% | 18,041 | $526K | Reduce -5.8% |
| HD Home Depot Inc. | 0.19% | 1,290 | $523K | Reduce -6.0% |
| MDYV SS SPDR S&P 400 MC Val ETF | 0.19% | 6,534 | $519K | Add +0.1% |
| VO Vngrd Mrngstr MD-Cap ETF-Usd | 0.18% | 1,874 | $494K | Reduce -1.6% |
| IBM Intl Business Machines Corp. filed as INTERNATIONAL BUSINESS MACHS | 0.18% | 2,166 | $479K | Reduce -1.6% |
| PEP Pepsico Inc. | 0.17% | 2,685 | $457K | Reduce -5.0% |
| GOOGL Alphabet Inc. Class A | 0.17% | 2,719 | $451K | No change |
| DE Deere & Co. | 0.16% | 1,055 | $440K | No change |
| ABBV Abbvie Inc. | 0.15% | 2,102 | $415K | No change |
| JPM JPMorgan Chase & Co. | 0.15% | 1,956 | $412K | No change |
| EMB iShares JP Morgan Usd Emergi | 0.15% | 4,357 | $408K | Add +0.2% |
| CARR Carrier Global Corp. | 0.15% | 5,000 | $402K | No change |
| DFIS Dimensional International SM | 0.13% | 13,080 | $351K | Reduce -0.3% |
| GD General Dynamics Corp. | 0.12% | 1,097 | $332K | Add +0.4% |
| CAT Caterpillar Inc. | 0.12% | 841 | $329K | No change |
| LOW Lowe's Cos Inc. | 0.12% | 1,174 | $318K | No change |
| GOOG Alphabet Inc. Class C | 0.12% | 1,891 | $316K | No change |
| UPS United Parcel Service Class B | 0.11% | 2,203 | $300K | Reduce -15.2% |
| VWO Vanguard Ftse Emerging Marke | 0.11% | 6,159 | $295K | Add +0.2% |
| IHI iShares U.S. Medical Devices | 0.11% | 4,948 | $293K | Add +0.1% |
| UAUG Innovator U.S. Equity Ultra | 0.11% | 8,357 | $293K | Reduce -1.1% |
| DIVS Guinness Atkinson DVD BL-Usd | 0.10% | 9,376 | $283K | No change |
| QUAL iShares MSCI USA Quality Fac | 0.10% | 1,532 | $275K | Reduce -0.8% |
| DVY iShares Select Dividend ETF | 0.10% | 2,017 | $272K | Reduce -6.8% |
| V Visa Inc. Class A | 0.10% | 968 | $266K | Reduce -5.7% |
| OTIS Otis Worldwide Corp. | 0.10% | 2,500 | $260K | No change |
| XBAP Innovator US Eqy Accel 9 Buf | 0.10% | 7,745 | $258K | Reduce -3.3% |
| IDHQ Invesco S&P International DE | 0.09% | 7,727 | $245K | No change |
| BIL SS SPDR BB 1-3M T-Bill ETF | 0.09% | 2,666 | $245K | Reduce -2.4% |
| MRK Merck & Co. Inc. | 0.09% | 2,104 | $239K | No change |
Portfolio Sells Q2 2024 → Q3 2024
| IVW iShares S&P 500 Growth ETF | Reduce -1.3% | 5.49% | −0.42 |
| IVV iShares Core S&P 500 ETF | Reduce -0.6% | 2.64% | −0.13 |
| QQQ Invesco QQQ Trust Series 1 | Reduce -0.9% | 1.22% | −0.11 |
| FNDX Schwab Fndmntl US LRG Co. ETF | Reduce -0.2% | 3.59% | −0.11 |
| IDV iShares International Select | Reduce -7.7% | 1.05% | −0.10 |
| LRCX Lam Research Corp. | Sold out | 0.00% | −0.10 |
| BDX Becton Dickinson and Co. | Reduce -17.3% | 0.29% | −0.08 |
| IJH iShares Core S&P Midcap ETF | Reduce -1.6% | 1.66% | −0.08 |
| MUB iShares National Muni Bond E | Reduce -1.1% | 0.70% | −0.06 |
| VEA Vanguard Ftse Developed ETF | Reduce -5.3% | 0.63% | −0.05 |
| XOM Exxon Mobil Corp. | Reduce -5.2% | 0.36% | −0.05 |
| LLY Eli Lilly & Co. | Reduce -4.6% | 0.26% | −0.05 |
| TIP iShares Tips Bond ETF | Reduce -0.2% | 0.60% | −0.04 |
| VOT Vngrd Mrngstr MC GRW ETF-Usd | Reduce -0.9% | 0.83% | −0.04 |
| IVE iShares S&P 500 Value ETF | Reduce -0.5% | 1.75% | −0.04 |
| UPS United Parcel Service Class B | Reduce -15.2% | 0.11% | −0.03 |
| VBK Van Morst SML-Cap Gro-Usd Inc. | Reduce -0.9% | 0.81% | −0.03 |
| IJS iShares S&P Small-Cap 600 Va | Reduce -1.5% | 3.25% | −0.03 |
| FNDC Schwab Fndmnt Intl SM Eq ETF | Reduce -2.6% | 0.95% | −0.03 |
| SPY SS SPDR S&P 500 ETF Trust-US | Reduce -0.3% | 0.57% | −0.03 |
| PEP Pepsico Inc. | Reduce -5.0% | 0.17% | −0.02 |
| PG The Procter & Gamble Co. | Reduce -4.2% | 0.22% | −0.02 |
| IJR iShares Core S&P Small-Cap E | Reduce -3.1% | 0.50% | −0.02 |
| PRF Invesco Rafi US 1000 ETF | Reduce -0.0% | 0.55% | −0.02 |
| AAPL Apple Inc. | Reduce -1.6% | 1.29% | −0.01 |
| SCHE Schwab Emrg Mrkts Eqty ETF | Reduce -5.8% | 0.19% | −0.01 |
| VIG Vanguard Dividend Apprec ETF | Reduce -3.6% | 0.23% | −0.01 |
| BIL SS SPDR BB 1-3M T-Bill ETF | Reduce -2.4% | 0.09% | −0.01 |
| V Visa Inc. Class A | Reduce -5.7% | 0.10% | −0.01 |
| MDYG SS SPDR S&P 400 MC GR ETF | Reduce -6.7% | 0.08% | −0.01 |
| XBAP Innovator US Eqy Accel 9 Buf | Reduce -3.3% | 0.10% | −0.01 |
| VBR Vngrd Mrngst SL-CP Val ETF-U | Reduce -1.0% | 0.90% | −0.01 |
| BRK.B Berkshire Hathaway Inc. Class B | Reduce -4.8% | 0.37% | −0.01 |
| UAUG Innovator U.S. Equity Ultra | Reduce -1.1% | 0.11% | −0.01 |
| PRFZ Inv Rafi US 1500 SM-Usd Inc. | Reduce -2.0% | 0.22% | −0.01 |
| SCZ iShares MSCI Eafe Small-Cap | Reduce -1.1% | 0.53% | −0.01 |
| DVY iShares Select Dividend ETF | Reduce -6.8% | 0.10% | −0.01 |
| QUAL iShares MSCI USA Quality Fac | Reduce -0.8% | 0.10% | −0.01 |
| RSP Invesco S&P 500 Equal Weight | Reduce -1.6% | 0.21% | −0.01 |
| JNJ Johnson & Johnson | Reduce -1.6% | 0.54% | −0.01 |
| VO Vngrd Mrngstr MD-Cap ETF-Usd | Reduce -1.6% | 0.18% | −0.00 |
| DFIS Dimensional International SM | Reduce -0.3% | 0.13% | −0.00 |
| HD Home Depot Inc. | Reduce -6.0% | 0.19% | +0.00 |
| DFAR Dimensional US Real Est ETF | Reduce -2.2% | 0.39% | +0.01 |
| GLD SPDR Gold Shares | Reduce -1.8% | 1.36% | +0.01 |
| IBM Intl Business Machines Corp. | Reduce -1.6% | 0.18% | +0.02 |
| MMM 3M Co. | Reduce -0.8% | 0.23% | +0.04 |
| PFS Provident Financial Services | Reduce 0.0% | 0.29% | +0.04 |
| VNQ Vanguard Real Estate ETF | Reduce -0.6% | 1.14% | +0.06 |
Portfolio Buys Q2 2024 → Q3 2024
| DFIV Dimensional International Va | Add +11.9% | 4.06% | +0.29 |
| DISV Dimensional International SM | Add +12.6% | 2.66% | +0.25 |
| DFGR Dim Global Real Estate ETF | Add +9.7% | 1.77% | +0.23 |
| DFSV Dimensional US Small Cap Val | Add +13.6% | 2.22% | +0.21 |
| IAU iShares Gold Trust | Add +0.2% | 6.05% | +0.17 |
| IJJ iShares S&P Mid-Cap 400 Valu | Add +3.8% | 6.23% | +0.16 |
| DFIP Dimensional Inflation-Protec | Add +16.9% | 1.58% | +0.14 |
| DFLV Dim US Large Cap Value ETF | Add +104.3% | 0.23% | +0.12 |
| DFEV Dimensional Emrg MRKT Val | Add +13.8% | 1.60% | +0.10 |
| IJT iShares S&P Small-Cap 600 GR | Add +3.1% | 5.83% | +0.10 |
| ES Eversource Energy | New | 0.09% | +0.09 |
| CPSJ Calamos S&P 500 Sap ETF July | New | 0.09% | +0.09 |
| SCHB Schwab US Broad Market ETF | New | 0.08% | +0.08 |
| BNDX Vanguard Total Intl Bond ETF | Add +14.1% | 0.64% | +0.04 |
| VCSH Vanguard S/T Corp. Bond ETF | Add +10.8% | 0.79% | +0.03 |
| VOE Vngrd Mrngstr MD-Cap Val ETF | Add +0.2% | 1.21% | +0.02 |
| META Meta Platforms Inc. Class A | Add +1.3% | 0.33% | +0.01 |
| DFUS Dimensional US Eq MKT ETF | Add +8.9% | 0.21% | +0.01 |
| VTES Vanguard SH Term Tax-Ex Bond | Add +9.0% | 0.78% | +0.00 |
| BIV Vanguard Intermediate-Term B | Add +5.2% | 2.75% | +0.00 |
| VONV Vanguard Russell 1000 Value | Add +1.0% | 0.08% | −0.00 |
| VWO Vanguard Ftse Emerging Marke | Add +0.2% | 0.11% | −0.00 |
| MDYV SS SPDR S&P 400 MC Val ETF | Add +0.1% | 0.19% | −0.00 |
| IHI iShares U.S. Medical Devices | Add +0.1% | 0.11% | −0.00 |
| EMB iShares JP Morgan Usd Emergi | Add +0.2% | 0.15% | −0.01 |
| GD General Dynamics Corp. | Add +0.4% | 0.12% | −0.01 |
| GOVT iShares US Treasury Bond ETF | Add +5.4% | 1.35% | −0.01 |
| VTIP Vanguard Short-Term Tips | Add +7.0% | 0.68% | −0.01 |
| VYM Vanguard High DVD Yield ETF | Add +1.4% | 3.28% | −0.01 |
| BSV Vanguard Short-Term Bond ETF | Add +6.0% | 1.27% | −0.02 |
| VTEB Vanguard Tax-Exempt Bond ETF | Add +6.0% | 0.96% | −0.02 |
| VUG Vanguard Mrngstar GR ETF-Sui | Add +1.0% | 0.28% | −0.02 |
| EFG iShares MSCI Eafe Growth ETF | Add +3.5% | 1.66% | −0.02 |
| AMZN Amazon.com Inc. | Add +2.1% | 0.21% | −0.03 |
| XBJA Innovator US Eq Ac 9 Buff-J | Add +6.3% | 2.32% | −0.03 |
| DGS Wisdomtree Em Small Cap | Add +1.9% | 0.79% | −0.03 |
| MSFT Microsoft Corp. | Add +3.2% | 0.54% | −0.06 |
| IJK iShares S&P Mid-Cap 400 Grow | Add +2.7% | 5.56% | −0.15 |
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 |