Sterling Financial Planning, Inc.

Name: Sterling Financial Planning, Inc. 13F holdings, Q4 2024
Creator: Sterling Financial Planning, Inc.
Published: 2025-02-03

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

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%
VONV Vanguard Russell 1000 Value	0.08%	2,724	$221K	Add +0.5%
IDHQ Invesco S&P International DE	0.08%	7,792	$221K	Add +0.8%
SCHB Schwab US Broad Market ETF	0.08%	9,583	$218K	Add +0.4%
RCL Royal Caribbean Cruises Ltd.	0.08%	935	$216K	New
IHI iShares U.S. Medical Devices	0.08%	3,623	$211K	Reduce -26.8%
ORCL Oracle Corp.	0.08%	1,266	$211K	New
NVDA Nvidia Corp.	0.08%	1,543	$207K	New
BDJ BlackRock Enhanced Eqty DVD	0.04%	13,831	$115K	No change

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