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

0$100.0M$200.0M$300.0M$400.0M Q1 2024: $246.8M Q1 2024 Q2 2024: $246.5M Q2 2024 Q3 2024: $271.2M $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 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
CVX Chevron Corp. 0.09% 1,604 $236K No change
ES Eversource Energy 0.09% 3,452 $235K New
CPSJ Calamos S&P 500 Sap ETF July 0.09% 9,447 $233K New
MDYG SS SPDR S&P 400 MC GR ETF 0.08% 2,626 $230K Reduce -6.7%
VONV Vanguard Russell 1000 Value 0.08% 2,710 $226K Add +1.0%
VZ Verizon Communications Inc. 0.08% 4,964 $223K No change
SCHB Schwab US Broad Market ETF 0.08% 3,183 $212K New
BDJ BlackRock Enhanced Eqty DVD 0.04% 13,831 $120K 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

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