Sterling Financial Planning, Inc.
In its 13F for Q4 2024 (holdings as of December 31, 2024, filed February 3, 2025), Sterling Financial Planning, Inc. reported 108 stock positions worth $271.8 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, 5.7%) and iShares S&P 500 Growth ETF (IVW, 5.7%). Compared with Q3 2024, it opened 4 new positions, sold out of 4, added to 51 and reduced 42. The biggest buy was Vanguard Total Intl Bond ETF (BNDX, shares +104%) and the biggest sale Dimensional International Va (DFIV, shares −2%).
- Most Recent 13F
- Q2 2026
- Location
- SPARTA, NJ
- CIK
- 0001844278
- Portfolio Value
- $271.8M (Q4 2024)
- SEC Filing
- 0001085146-25-000679 ↗ filed Feb 3, 2025
Holdings Value
Holdings 108 stocks · $271.8M
| IJJ iShares S&P Mid-Cap 400 Valu | 6.21% | 135,140 | $16.9M | Reduce -1.2% |
| IAU iShares Gold Trust | 5.73% | 314,431 | $15.6M | Reduce -4.7% |
| IVW iShares S&P 500 Growth ETF | 5.73% | 153,268 | $15.6M | Reduce -1.5% |
| IJT iShares S&P Small-Cap 600 GR | 5.60% | 112,378 | $15.2M | Reduce -0.8% |
| IJK iShares S&P Mid-Cap 400 Grow | 5.56% | 166,230 | $15.1M | Add +1.3% |
| DFIV Dimensional International Va | 3.68% | 282,218 | $10.0M | Reduce -2.4% |
| FNDX Schwab Fndmntl US LRG Co. ETF | 3.46% | 397,427 | $9.4M | Reduce -2.5% |
| VYM Vanguard High DVD Yield ETF | 3.28% | 69,863 | $8.9M | Add +0.7% |
| IJS iShares S&P Small-Cap 600 Va | 3.24% | 80,970 | $8.8M | Reduce -1.2% |
| IVV iShares Core S&P 500 ETF | 2.74% | 12,630 | $7.4M | Add +1.6% |
| BIV Vanguard Intermediate-Term B | 2.59% | 94,257 | $7.0M | Reduce -1.1% |
| DISV Dimensional International SM | 2.48% | 254,023 | $6.7M | Add +2.3% |
| XBJA Innovator US Eq Ac 9 Buff-J | 2.43% | 230,013 | $6.6M | Add +3.6% |
| DFSV Dimensional US Small Cap Val | 2.32% | 204,677 | $6.3M | Add +4.9% |
| GOVT iShares US Treasury Bond ETF | 1.81% | 214,403 | $4.9M | Add +36.9% |
| IJH iShares Core S&P Midcap ETF | 1.67% | 72,732 | $4.5M | Add +0.9% |
| IVE iShares S&P 500 Value ETF | 1.64% | 23,399 | $4.5M | Reduce -2.5% |
| DFGR Dim Global Real Estate ETF | 1.63% | 173,385 | $4.4M | Add +4.5% |
| BSV Vanguard Short-Term Bond ETF | 1.61% | 56,572 | $4.4M | Add +28.8% |
| EFG iShares MSCI Eafe Growth ETF | 1.53% | 42,971 | $4.2M | Add +2.9% |
| DFEV Dimensional Emrg MRKT Val | 1.49% | 154,639 | $4.1M | Add +1.6% |
| AAPL Apple Inc. | 1.47% | 15,950 | $4.0M | Add +5.9% |
| DFIP Dimensional Inflation-Protec | 1.44% | 96,527 | $3.9M | Reduce -4.7% |
| GLD SPDR Gold Shares | 1.30% | 14,629 | $3.5M | Reduce -3.4% |
| BNDX Vanguard Total Intl Bond ETF | 1.27% | 70,472 | $3.5M | Add +103.8% |
| QQQ Invesco QQQ Trust Series 1 | 1.25% | 6,643 | $3.4M | Reduce -2.0% |
| IDV iShares International Select | 1.21% | 120,540 | $3.3M | Add +27.9% |
| VOE Vngrd Mrngstr MD-Cap Val ETF | 1.17% | 19,677 | $3.2M | Add +0.1% |
| VTEB Vanguard Tax-Exempt Bond ETF | 1.15% | 62,472 | $3.1M | Add +22.6% |
| VNQ Vanguard Real Estate ETF | 1.09% | 33,193 | $3.0M | Add +4.8% |
| TIP iShares Tips Bond ETF | 0.98% | 25,000 | $2.7M | Add +70.6% |
| FNDC Schwab Fndmnt Intl SM Eq ETF | 0.97% | 76,976 | $2.6M | Add +14.0% |
| VTES Vanguard SH Term Tax-Ex Bond | 0.95% | 25,649 | $2.6M | Add +23.4% |
| MUB iShares National Muni Bond E | 0.91% | 23,239 | $2.5M | Add +33.4% |
| VOT Vngrd Mrngstr MC GRW ETF-Usd | 0.86% | 9,173 | $2.3M | Reduce -0.6% |
| VBR Vngrd Mrngst SL-CP Val ETF-U | 0.85% | 11,724 | $2.3M | Reduce -4.0% |
| VBK Van Morst SML-Cap Gro-Usd Inc. | 0.84% | 8,185 | $2.3M | Reduce -0.5% |
| VCSH Vanguard S/T Corp. Bond ETF | 0.79% | 27,505 | $2.1M | Add +2.2% |
| DGS Wisdomtree Em Small Cap | 0.72% | 40,257 | $2.0M | Add +1.0% |
| VTIP Vanguard Short-Term Tips | 0.67% | 37,636 | $1.8M | Add +0.1% |
| MSFT Microsoft Corp. | 0.58% | 3,714 | $1.6M | Add +8.7% |
| SPY SS SPDR S&P 500 ETF Trust-US | 0.57% | 2,623 | $1.5M | Reduce -3.3% |
| VEA Vanguard Ftse Developed ETF | 0.56% | 31,881 | $1.5M | Reduce -0.9% |
| PRF Invesco Rafi US 1000 ETF | 0.52% | 34,788 | $1.4M | Reduce -5.0% |
| IJR iShares Core S&P Small-Cap E | 0.47% | 11,188 | $1.3M | Reduce -4.4% |
| SCZ iShares MSCI Eafe Small-Cap | 0.47% | 21,126 | $1.3M | Add +0.4% |
| JNJ Johnson & Johnson | 0.44% | 8,329 | $1.2M | Reduce -8.2% |
| SIGI Selective Insurance Group | 0.43% | 12,618 | $1.2M | No change |
| BRK.B Berkshire Hathaway Inc. Class B | 0.36% | 2,186 | $991K | No change |
| DFAR Dimensional US Real Est ETF | 0.35% | 41,167 | $958K | Add +0.1% |
| XOM Exxon Mobil Corp. | 0.34% | 8,713 | $937K | Add +6.0% |
| VUG Vanguard Mrngstar GR ETF-Sui | 0.29% | 1,951 | $801K | Reduce -2.8% |
| PFS Provident Financial Services | 0.26% | 38,073 | $718K | Reduce -9.4% |
| PJAN Innovator U.S. Equity Power | 0.26% | 16,600 | $701K | Reduce -0.4% |
| SCHE Schwab Emrg Mrkts Eqty ETF | 0.25% | 25,950 | $691K | Add +43.8% |
| DFLV Dim US Large Cap Value ETF | 0.24% | 21,836 | $656K | Add +5.6% |
| COST Costco Wholesale Corp. | 0.24% | 712 | $653K | Reduce -41.4% |
| META Meta Platforms Inc. Class A | 0.23% | 1,052 | $616K | Reduce -33.3% |
| RTX RTX Corp. | 0.22% | 5,184 | $600K | Add +0.5% |
| VIG Vanguard Dividend Apprec ETF | 0.22% | 3,062 | $600K | Reduce -2.1% |
| MMM 3M Co. | 0.22% | 4,610 | $595K | Reduce -0.0% |
| PRFZ Inv Rafi US 1500 SM-Usd Inc. | 0.22% | 14,219 | $592K | Reduce -1.1% |
| LLY Eli Lilly & Co. | 0.22% | 766 | $591K | Reduce -4.8% |
| BND Vanguard Total Bond Market | 0.21% | 8,067 | $580K | Add +13.9% |
| BDX Becton Dickinson and Co. | 0.21% | 2,551 | $579K | Reduce -21.8% |
| DFUS Dimensional US Eq MKT ETF | 0.21% | 9,036 | $576K | Reduce -1.5% |
| PG The Procter & Gamble Co. | 0.21% | 3,367 | $564K | Reduce -0.3% |
| RSP Invesco S&P 500 Equal Weight | 0.20% | 3,165 | $555K | No change |
| GOOGL Alphabet Inc. Class A | 0.19% | 2,767 | $524K | Add +1.8% |
| MDYV SS SPDR S&P 400 MC Val ETF | 0.19% | 6,516 | $523K | Reduce -0.3% |
| O Realty Income Corp. | 0.19% | 9,480 | $506K | No change |
| JPM JPMorgan Chase & Co. | 0.18% | 2,068 | $496K | Add +5.7% |
| VO Vngrd Mrngstr MD-Cap ETF-Usd | 0.18% | 1,860 | $491K | Reduce -0.8% |
| PEP Pepsico Inc. | 0.18% | 3,181 | $484K | Add +18.5% |
| IBM Intl Business Machines Corp. filed as INTERNATIONAL BUSINESS MACHS | 0.18% | 2,184 | $480K | Add +0.8% |
| AMZN Amazon.com Inc. | 0.17% | 2,148 | $471K | Reduce -30.5% |
| DE Deere & Co. | 0.15% | 994 | $421K | Reduce -5.8% |
| EMB iShares JP Morgan Usd Emergi | 0.14% | 4,362 | $388K | Add +0.1% |
| GOOG Alphabet Inc. Class C | 0.14% | 1,941 | $370K | Add +2.6% |
| HD Home Depot Inc. | 0.13% | 907 | $353K | Reduce -29.7% |
| CARR Carrier Global Corp. | 0.13% | 5,027 | $343K | Add +0.5% |
| DFIS Dimensional International SM | 0.12% | 13,084 | $321K | Add +0.0% |
| MRK Merck & Co. Inc. | 0.11% | 3,079 | $306K | Add +46.3% |
| QUAL iShares MSCI USA Quality Fac | 0.11% | 1,683 | $300K | Add +9.9% |
| UAUG Innovator U.S. Equity Ultra | 0.11% | 8,357 | $297K | No change |
| MCD McDonald's Corp. | 0.11% | 1,023 | $297K | Reduce -47.6% |
| GD General Dynamics Corp. | 0.11% | 1,102 | $290K | Add +0.5% |
| LOW Lowe's Cos Inc. | 0.11% | 1,174 | $290K | No change |
| UPS United Parcel Service Class B | 0.10% | 2,203 | $278K | No change |
| VWO Vanguard Ftse Emerging Marke | 0.10% | 6,249 | $275K | Add +1.5% |
| CVX Chevron Corp. | 0.10% | 1,866 | $270K | Add +16.3% |
| XBAP Innovator US Eqy Accel 9 Buf | 0.10% | 7,745 | $264K | No change |
| DVY iShares Select Dividend ETF | 0.09% | 1,934 | $254K | Reduce -4.1% |
| DIVS Guinness Atkinson DVD BL-Usd | 0.09% | 8,876 | $252K | Reduce -5.3% |
| TSLA Tesla Inc. | 0.09% | 623 | $252K | New |
| BIL SS SPDR BB 1-3M T-Bill ETF | 0.09% | 2,666 | $244K | No change |
| ABBV Abbvie Inc. | 0.09% | 1,352 | $240K | Reduce -35.7% |
| CPSJ Calamos S&P 500 Sap ETF July | 0.09% | 9,447 | $236K | No change |
| OTIS Otis Worldwide Corp. | 0.09% | 2,513 | $233K | Add +0.5% |
| MDYG SS SPDR S&P 400 MC GR ETF | 0.09% | 2,676 | $233K | Add +1.9% |
Portfolio Sells Q3 2024 → Q4 2024
| DFIV Dimensional International Va | Reduce -2.4% | 3.68% | −0.37 |
| IAU iShares Gold Trust | Reduce -4.7% | 5.73% | −0.32 |
| IJT iShares S&P Small-Cap 600 GR | Reduce -0.8% | 5.60% | −0.23 |
| BIV Vanguard Intermediate-Term B | Reduce -1.1% | 2.59% | −0.16 |
| COST Costco Wholesale Corp. | Reduce -41.4% | 0.24% | −0.16 |
| DFIP Dimensional Inflation-Protec | Reduce -4.7% | 1.44% | −0.14 |
| FNDX Schwab Fndmntl US LRG Co. ETF | Reduce -2.5% | 3.46% | −0.13 |
| CAT Caterpillar Inc. | Sold out | 0.00% | −0.12 |
| MCD McDonald's Corp. | Reduce -47.6% | 0.11% | −0.11 |
| META Meta Platforms Inc. Class A | Reduce -33.3% | 0.23% | −0.11 |
| IVE iShares S&P 500 Value ETF | Reduce -2.5% | 1.64% | −0.10 |
| JNJ Johnson & Johnson | Reduce -8.2% | 0.44% | −0.10 |
| V Visa Inc. Class A | Sold out | 0.00% | −0.10 |
| ES Eversource Energy | Sold out | 0.00% | −0.09 |
| VZ Verizon Communications Inc. | Sold out | 0.00% | −0.08 |
| BDX Becton Dickinson and Co. | Reduce -21.8% | 0.21% | −0.08 |
| VEA Vanguard Ftse Developed ETF | Reduce -0.9% | 0.56% | −0.07 |
| ABBV Abbvie Inc. | Reduce -35.7% | 0.09% | −0.06 |
| HD Home Depot Inc. | Reduce -29.7% | 0.13% | −0.06 |
| GLD SPDR Gold Shares | Reduce -3.4% | 1.30% | −0.05 |
| VBR Vngrd Mrngst SL-CP Val ETF-U | Reduce -4.0% | 0.85% | −0.05 |
| LLY Eli Lilly & Co. | Reduce -4.8% | 0.22% | −0.05 |
| AMZN Amazon.com Inc. | Reduce -30.5% | 0.17% | −0.04 |
| PRF Invesco Rafi US 1000 ETF | Reduce -5.0% | 0.52% | −0.03 |
| IJR iShares Core S&P Small-Cap E | Reduce -4.4% | 0.47% | −0.03 |
| IHI iShares U.S. Medical Devices | Reduce -26.8% | 0.08% | −0.03 |
| PFS Provident Financial Services | Reduce -9.4% | 0.26% | −0.02 |
| IJJ iShares S&P Mid-Cap 400 Valu | Reduce -1.2% | 6.21% | −0.02 |
| IJS iShares S&P Small-Cap 600 Va | Reduce -1.2% | 3.24% | −0.02 |
| MMM 3M Co. | Reduce -0.0% | 0.22% | −0.01 |
| DIVS Guinness Atkinson DVD BL-Usd | Reduce -5.3% | 0.09% | −0.01 |
| SPY SS SPDR S&P 500 ETF Trust-US | Reduce -3.3% | 0.57% | −0.01 |
| PG The Procter & Gamble Co. | Reduce -0.3% | 0.21% | −0.01 |
| VIG Vanguard Dividend Apprec ETF | Reduce -2.1% | 0.22% | −0.01 |
| DE Deere & Co. | Reduce -5.8% | 0.15% | −0.01 |
| DVY iShares Select Dividend ETF | Reduce -4.1% | 0.09% | −0.01 |
| PRFZ Inv Rafi US 1500 SM-Usd Inc. | Reduce -1.1% | 0.22% | −0.00 |
| VO Vngrd Mrngstr MD-Cap ETF-Usd | Reduce -0.8% | 0.18% | −0.00 |
| MDYV SS SPDR S&P 400 MC Val ETF | Reduce -0.3% | 0.19% | +0.00 |
| DFUS Dimensional US Eq MKT ETF | Reduce -1.5% | 0.21% | +0.00 |
| PJAN Innovator U.S. Equity Power | Reduce -0.4% | 0.26% | +0.00 |
| VUG Vanguard Mrngstar GR ETF-Sui | Reduce -2.8% | 0.29% | +0.01 |
| VOT Vngrd Mrngstr MC GRW ETF-Usd | Reduce -0.6% | 0.86% | +0.03 |
| QQQ Invesco QQQ Trust Series 1 | Reduce -2.0% | 1.25% | +0.03 |
| VBK Van Morst SML-Cap Gro-Usd Inc. | Reduce -0.5% | 0.84% | +0.03 |
| IVW iShares S&P 500 Growth ETF | Reduce -1.5% | 5.73% | +0.23 |
Portfolio Buys Q3 2024 → Q4 2024
| BNDX Vanguard Total Intl Bond ETF | Add +103.8% | 1.27% | +0.63 |
| GOVT iShares US Treasury Bond ETF | Add +36.9% | 1.81% | +0.46 |
| TIP iShares Tips Bond ETF | Add +70.6% | 0.98% | +0.38 |
| BSV Vanguard Short-Term Bond ETF | Add +28.8% | 1.61% | +0.33 |
| MUB iShares National Muni Bond E | Add +33.4% | 0.91% | +0.21 |
| VTEB Vanguard Tax-Exempt Bond ETF | Add +22.6% | 1.15% | +0.19 |
| AAPL Apple Inc. | Add +5.9% | 1.47% | +0.18 |
| VTES Vanguard SH Term Tax-Ex Bond | Add +23.4% | 0.95% | +0.17 |
| IDV iShares International Select | Add +27.9% | 1.21% | +0.16 |
| XBJA Innovator US Eq Ac 9 Buff-J | Add +3.6% | 2.43% | +0.11 |
| DFSV Dimensional US Small Cap Val | Add +4.9% | 2.32% | +0.10 |
| TSLA Tesla Inc. | New | 0.09% | +0.09 |
| IVV iShares Core S&P 500 ETF | Add +1.6% | 2.74% | +0.09 |
| RCL Royal Caribbean Cruises Ltd. | New | 0.08% | +0.08 |
| ORCL Oracle Corp. | New | 0.08% | +0.08 |
| NVDA Nvidia Corp. | New | 0.08% | +0.08 |
| SCHE Schwab Emrg Mrkts Eqty ETF | Add +43.8% | 0.25% | +0.06 |
| MSFT Microsoft Corp. | Add +8.7% | 0.58% | +0.03 |
| JPM JPMorgan Chase & Co. | Add +5.7% | 0.18% | +0.03 |
| GOOGL Alphabet Inc. Class A | Add +1.8% | 0.19% | +0.03 |
| MRK Merck & Co. Inc. | Add +46.3% | 0.11% | +0.02 |
| GOOG Alphabet Inc. Class C | Add +2.6% | 0.14% | +0.02 |
| BND Vanguard Total Bond Market | Add +13.9% | 0.21% | +0.02 |
| FNDC Schwab Fndmnt Intl SM Eq ETF | Add +14.0% | 0.97% | +0.02 |
| CVX Chevron Corp. | Add +16.3% | 0.10% | +0.01 |
| IJH iShares Core S&P Midcap ETF | Add +0.9% | 1.67% | +0.01 |
| PEP Pepsico Inc. | Add +18.5% | 0.18% | +0.01 |
| QUAL iShares MSCI USA Quality Fac | Add +9.9% | 0.11% | +0.01 |
| DFLV Dim US Large Cap Value ETF | Add +5.6% | 0.24% | +0.01 |
| SCHB Schwab US Broad Market ETF | Add +0.4% | 0.08% | +0.00 |
| VCSH Vanguard S/T Corp. Bond ETF | Add +2.2% | 0.79% | +0.00 |
| MDYG SS SPDR S&P 400 MC GR ETF | Add +1.9% | 0.09% | +0.00 |
| IBM Intl Business Machines Corp. | Add +0.8% | 0.18% | +0.00 |
| VYM Vanguard High DVD Yield ETF | Add +0.7% | 3.28% | −0.00 |
| IJK iShares S&P Mid-Cap 400 Grow | Add +1.3% | 5.56% | −0.00 |
| VONV Vanguard Russell 1000 Value | Add +0.5% | 0.08% | −0.00 |
| VWO Vanguard Ftse Emerging Marke | Add +1.5% | 0.10% | −0.01 |
| EMB iShares JP Morgan Usd Emergi | Add +0.1% | 0.14% | −0.01 |
| IDHQ Invesco S&P International DE | Add +0.8% | 0.08% | −0.01 |
| RTX RTX Corp. | Add +0.5% | 0.22% | −0.01 |
| OTIS Otis Worldwide Corp. | Add +0.5% | 0.09% | −0.01 |
| XOM Exxon Mobil Corp. | Add +6.0% | 0.34% | −0.01 |
| DFIS Dimensional International SM | Add +0.0% | 0.12% | −0.01 |
| VTIP Vanguard Short-Term Tips | Add +0.1% | 0.67% | −0.01 |
| GD General Dynamics Corp. | Add +0.5% | 0.11% | −0.02 |
| CARR Carrier Global Corp. | Add +0.5% | 0.13% | −0.02 |
| DFAR Dimensional US Real Est ETF | Add +0.1% | 0.35% | −0.04 |
| VOE Vngrd Mrngstr MD-Cap Val ETF | Add +0.1% | 1.17% | −0.04 |
| VNQ Vanguard Real Estate ETF | Add +4.8% | 1.09% | −0.05 |
| SCZ iShares MSCI Eafe Small-Cap | Add +0.4% | 0.47% | −0.05 |
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 |