Sterling Financial Planning, Inc.
In its 13F for Q1 2025 (holdings as of March 31, 2025, filed April 29, 2025), Sterling Financial Planning, Inc. reported 109 stock positions worth $275.7 million. Its top holding was iShares Gold Trust (IAU) at 6.5% of the portfolio, followed by iShares S&P Mid-Cap 400 Valu (IJJ, 6.1%) and iShares S&P Small-Cap 600 GR (IJT, 5.3%). Compared with Q4 2024, it opened 6 new positions, sold out of 5, added to 51 and reduced 39. The biggest buy was Dimensional International Va (DFIV, shares +12%) and the biggest sale Vanguard Total Intl Bond ETF (BNDX, shares −39%).
- Most Recent 13F
- Q2 2026
- Location
- SPARTA, NJ
- CIK
- 0001844278
- Portfolio Value
- $275.7M (Q1 2025)
- SEC Filing
- 0001085146-25-002403 ↗ filed Apr 29, 2025
Holdings Value
Holdings 109 stocks · $275.7M
| IAU iShares Gold Trust | 6.50% | 304,027 | $17.9M | Reduce -3.3% |
| IJJ iShares S&P Mid-Cap 400 Valu | 6.07% | 139,790 | $16.7M | Add +3.4% |
| IJT iShares S&P Small-Cap 600 GR | 5.33% | 117,936 | $14.7M | Add +5.0% |
| IJK iShares S&P Mid-Cap 400 Grow | 5.27% | 174,554 | $14.5M | Add +5.0% |
| IVW iShares S&P 500 Growth ETF | 5.20% | 154,375 | $14.3M | Add +0.7% |
| DFIV Dimensional International Va | 4.50% | 315,493 | $12.4M | Add +11.8% |
| FNDX Schwab Fndmntl US LRG Co. ETF | 3.50% | 408,307 | $9.6M | Add +2.7% |
| VYM Vanguard High DVD Yield ETF | 3.33% | 71,305 | $9.2M | Add +2.1% |
| DISV Dimensional International SM | 3.06% | 289,717 | $8.4M | Add +14.1% |
| IJS iShares S&P Small-Cap 600 Va | 2.83% | 80,080 | $7.8M | Reduce -1.1% |
| BIV Vanguard Intermediate-Term B | 2.82% | 101,426 | $7.8M | Add +7.6% |
| IVV iShares Core S&P 500 ETF | 2.57% | 12,587 | $7.1M | Reduce -0.3% |
| XBJA Innovator US Eq Ac 9 Buff-J | 2.56% | 249,942 | $7.1M | Add +8.7% |
| DFSV Dimensional US Small Cap Val | 2.38% | 232,928 | $6.6M | Add +13.8% |
| DFIP Dimensional Inflation-Protec | 1.91% | 125,011 | $5.3M | Add +29.5% |
| DFGR Dim Global Real Estate ETF | 1.78% | 187,091 | $4.9M | Add +7.9% |
| DFEV Dimensional Emrg MRKT Val | 1.72% | 175,669 | $4.8M | Add +13.6% |
| IVE iShares S&P 500 Value ETF | 1.62% | 23,384 | $4.5M | Reduce -0.1% |
| EFG iShares MSCI Eafe Growth ETF | 1.52% | 41,934 | $4.2M | Reduce -2.4% |
| IJH iShares Core S&P Midcap ETF | 1.52% | 71,761 | $4.2M | Reduce -1.3% |
| GOVT iShares US Treasury Bond ETF | 1.48% | 177,861 | $4.1M | Reduce -17.0% |
| GLD SPDR Gold Shares | 1.45% | 13,923 | $4.0M | Reduce -4.8% |
| BSV Vanguard Short-Term Bond ETF | 1.34% | 47,328 | $3.7M | Reduce -16.3% |
| AAPL Apple Inc. | 1.26% | 15,612 | $3.5M | Reduce -2.1% |
| QQQ Invesco QQQ Trust Series 1 | 1.15% | 6,760 | $3.2M | Add +1.8% |
| VOE Vngrd Mrngstr MD-Cap Val ETF | 1.14% | 19,655 | $3.2M | Reduce -0.1% |
| VTEB Vanguard Tax-Exempt Bond ETF | 1.12% | 62,394 | $3.1M | Reduce -0.1% |
| VNQ Vanguard Real Estate ETF | 1.06% | 32,302 | $2.9M | Reduce -2.7% |
| IDV iShares International Select | 1.04% | 92,480 | $2.9M | Reduce -23.3% |
| VTES Vanguard SH Term Tax-Ex Bond | 1.04% | 28,424 | $2.9M | Add +10.8% |
| VCSH Vanguard S/T Corp. Bond ETF | 0.98% | 34,376 | $2.7M | Add +25.0% |
| FNDC Schwab Fndmnt Intl SM Eq ETF | 0.85% | 64,819 | $2.3M | Reduce -15.8% |
| VOT Vngrd Mrngstr MC GRW ETF-Usd | 0.85% | 9,547 | $2.3M | Add +4.1% |
| VBR Vngrd Mrngst SL-CP Val ETF-U | 0.79% | 11,729 | $2.2M | Add +0.0% |
| VTIP Vanguard Short-Term Tips | 0.76% | 42,196 | $2.1M | Add +12.1% |
| BNDX Vanguard Total Intl Bond ETF | 0.76% | 42,919 | $2.1M | Reduce -39.1% |
| VBK Van Morst SML-Cap Gro-Usd Inc. | 0.74% | 8,103 | $2.0M | Reduce -1.0% |
| JNJ Johnson & Johnson | 0.74% | 12,295 | $2.0M | Add +47.6% |
| DGS Wisdomtree Em Small Cap | 0.70% | 39,954 | $1.9M | Reduce -0.8% |
| MUB iShares National Muni Bond E | 0.66% | 17,243 | $1.8M | Reduce -25.8% |
| TIP iShares Tips Bond ETF | 0.64% | 15,876 | $1.8M | Reduce -36.5% |
| VEA Vanguard Ftse Developed ETF | 0.60% | 32,599 | $1.7M | Add +2.3% |
| XOM Exxon Mobil Corp. | 0.58% | 13,355 | $1.6M | Add +53.3% |
| SPY SS SPDR S&P 500 ETF Trust-US | 0.53% | 2,623 | $1.5M | No change |
| MSFT Microsoft Corp. | 0.50% | 3,688 | $1.4M | Reduce -0.7% |
| PRF Invesco Rafi US 1000 ETF | 0.50% | 33,870 | $1.4M | Reduce -2.6% |
| SCZ iShares MSCI Eafe Small-Cap | 0.48% | 20,772 | $1.3M | Reduce -1.7% |
| BRK.B Berkshire Hathaway Inc. Class B | 0.46% | 2,404 | $1.3M | Add +10.0% |
| IJR iShares Core S&P Small-Cap E | 0.43% | 11,380 | $1.2M | Add +1.7% |
| DFAR Dimensional US Real Est ETF | 0.38% | 44,137 | $1.0M | Add +7.2% |
| SIGI Selective Insurance Group | 0.38% | 11,418 | $1.0M | Reduce -9.5% |
| DFLV Dim US Large Cap Value ETF | 0.28% | 24,989 | $764K | Add +14.4% |
| O Realty Income Corp. | 0.27% | 12,758 | $740K | Add +34.6% |
| VUG Vanguard Mrngstar GR ETF-Sui | 0.26% | 1,927 | $715K | Reduce -1.2% |
| RTX RTX Corp. | 0.26% | 5,359 | $710K | Add +3.4% |
| COST Costco Wholesale Corp. | 0.25% | 726 | $687K | Add +2.0% |
| PJAN Innovator U.S. Equity Power | 0.25% | 16,323 | $677K | Reduce -1.7% |
| LLY Eli Lilly & Co. | 0.24% | 798 | $659K | Add +4.2% |
| MMM 3M Co. | 0.23% | 4,366 | $641K | Reduce -5.3% |
| IBM Intl Business Machines Corp. filed as INTERNATIONAL BUSINESS MACHS | 0.22% | 2,484 | $618K | Add +13.7% |
| META Meta Platforms Inc. Class A | 0.22% | 1,063 | $612K | Add +1.1% |
| DFUS Dimensional US Eq MKT ETF | 0.22% | 10,123 | $612K | Add +12.0% |
| VIG Vanguard Dividend Apprec ETF | 0.22% | 3,116 | $604K | Add +1.8% |
| BND Vanguard Total Bond Market | 0.22% | 8,086 | $594K | Add +0.2% |
| BDX Becton Dickinson and Co. | 0.21% | 2,552 | $584K | Add +0.0% |
| PG The Procter & Gamble Co. | 0.20% | 3,270 | $557K | Reduce -2.9% |
| RSP Invesco S&P 500 Equal Weight | 0.20% | 3,126 | $542K | Reduce -1.2% |
| PFS Provident Financial Services | 0.20% | 31,474 | $540K | Reduce -17.3% |
| PRFZ Inv Rafi US 1500 SM-Usd Inc. | 0.19% | 14,106 | $534K | Reduce -0.8% |
| JPM JPMorgan Chase & Co. | 0.19% | 2,139 | $525K | Add +3.4% |
| MDYV SS SPDR S&P 400 MC Val ETF | 0.18% | 6,517 | $502K | Add +0.0% |
| SCHE Schwab Emrg Mrkts Eqty ETF | 0.18% | 18,023 | $497K | Reduce -30.6% |
| VO Vngrd Mrngstr MD-Cap ETF-Usd | 0.18% | 1,914 | $495K | Add +2.9% |
| PEP Pepsico Inc. | 0.18% | 3,282 | $492K | Add +3.2% |
| GOOGL Alphabet Inc. Class A | 0.16% | 2,870 | $444K | Add +3.7% |
| AMZN Amazon.com Inc. | 0.16% | 2,306 | $439K | Add +7.4% |
| DE Deere & Co. | 0.15% | 884 | $415K | Reduce -11.1% |
| EMB iShares JP Morgan Usd Emergi | 0.14% | 4,369 | $396K | Add +0.2% |
| DFIS Dimensional International SM | 0.13% | 13,452 | $348K | Add +2.8% |
| CVX Chevron Corp. | 0.12% | 2,027 | $339K | Add +8.6% |
| HD Home Depot Inc. | 0.12% | 878 | $322K | Reduce -3.2% |
| CARR Carrier Global Corp. | 0.12% | 5,027 | $319K | No change |
| QUAL iShares MSCI USA Quality Fac | 0.11% | 1,817 | $311K | Add +8.0% |
| GD General Dynamics Corp. | 0.11% | 1,106 | $302K | Add +0.4% |
| MCD McDonald's Corp. | 0.11% | 950 | $297K | Reduce -7.1% |
| GOOG Alphabet Inc. Class C | 0.11% | 1,880 | $294K | Reduce -3.1% |
| VZ Verizon Communications Inc. | 0.10% | 6,362 | $289K | New |
| ABBV Abbvie Inc. | 0.10% | 1,352 | $283K | No change |
| PEG Public Service Enterprise GP | 0.10% | 3,439 | $283K | New |
| VWO Vanguard Ftse Emerging Marke | 0.10% | 6,249 | $283K | No change |
| UAUG Innovator U.S. Equity Ultra | 0.10% | 8,103 | $281K | Reduce -3.0% |
| MRK Merck & Co. Inc. | 0.10% | 3,068 | $275K | Reduce -0.4% |
| LOW Lowe's Cos Inc. | 0.10% | 1,174 | $274K | No change |
| XBAP Innovator US Eqy Accel 9 Buf | 0.10% | 7,745 | $270K | No change |
| CPSY Calamos S&P 500 Sap ETF Jan | 0.10% | 11,317 | $265K | New |
| DVY iShares Select Dividend ETF | 0.09% | 1,934 | $260K | No change |
| OTIS Otis Worldwide Corp. | 0.09% | 2,513 | $259K | No change |
| DIVS Guinness Atkinson DVD BL-Usd | 0.09% | 8,876 | $259K | No change |
| EPD Enterprise Products Partners | 0.09% | 7,356 | $251K | New |
| CPSJ Calamos S&P 500 Sap ETF July | 0.09% | 9,447 | $234K | No change |
Portfolio Sells Q4 2024 → Q1 2025
| BNDX Vanguard Total Intl Bond ETF | Reduce -39.1% | 0.76% | −0.51 |
| IJS iShares S&P Small-Cap 600 Va | Reduce -1.1% | 2.83% | −0.40 |
| TIP iShares Tips Bond ETF | Reduce -36.5% | 0.64% | −0.34 |
| GOVT iShares US Treasury Bond ETF | Reduce -17.0% | 1.48% | −0.33 |
| BSV Vanguard Short-Term Bond ETF | Reduce -16.3% | 1.34% | −0.26 |
| MUB iShares National Muni Bond E | Reduce -25.8% | 0.66% | −0.25 |
| AAPL Apple Inc. | Reduce -2.1% | 1.26% | −0.21 |
| IDV iShares International Select | Reduce -23.3% | 1.04% | −0.17 |
| IVV iShares Core S&P 500 ETF | Reduce -0.3% | 2.57% | −0.17 |
| IJH iShares Core S&P Midcap ETF | Reduce -1.3% | 1.52% | −0.15 |
| FNDC Schwab Fndmnt Intl SM Eq ETF | Reduce -15.8% | 0.85% | −0.12 |
| VBK Van Morst SML-Cap Gro-Usd Inc. | Reduce -1.0% | 0.74% | −0.10 |
| UPS United Parcel Service Class B | Sold out | 0.00% | −0.10 |
| TSLA Tesla Inc. | Sold out | 0.00% | −0.09 |
| BIL SS SPDR BB 1-3M T-Bill ETF | Sold out | 0.00% | −0.09 |
| RCL Royal Caribbean Cruises Ltd. | Sold out | 0.00% | −0.08 |
| ORCL Oracle Corp. | Sold out | 0.00% | −0.08 |
| SCHE Schwab Emrg Mrkts Eqty ETF | Reduce -30.6% | 0.18% | −0.07 |
| MSFT Microsoft Corp. | Reduce -0.7% | 0.50% | −0.07 |
| PFS Provident Financial Services | Reduce -17.3% | 0.20% | −0.07 |
| SIGI Selective Insurance Group | Reduce -9.5% | 0.38% | −0.06 |
| VUG Vanguard Mrngstar GR ETF-Sui | Reduce -1.2% | 0.26% | −0.04 |
| GOOG Alphabet Inc. Class C | Reduce -3.1% | 0.11% | −0.03 |
| VTEB Vanguard Tax-Exempt Bond ETF | Reduce -0.1% | 1.12% | −0.03 |
| VNQ Vanguard Real Estate ETF | Reduce -2.7% | 1.06% | −0.03 |
| IVE iShares S&P 500 Value ETF | Reduce -0.1% | 1.62% | −0.03 |
| VOE Vngrd Mrngstr MD-Cap Val ETF | Reduce -0.1% | 1.14% | −0.03 |
| DGS Wisdomtree Em Small Cap | Reduce -0.8% | 0.70% | −0.02 |
| PRFZ Inv Rafi US 1500 SM-Usd Inc. | Reduce -0.8% | 0.19% | −0.02 |
| PRF Invesco Rafi US 1000 ETF | Reduce -2.6% | 0.50% | −0.02 |
| HD Home Depot Inc. | Reduce -3.2% | 0.12% | −0.01 |
| MRK Merck & Co. Inc. | Reduce -0.4% | 0.10% | −0.01 |
| PJAN Innovator U.S. Equity Power | Reduce -1.7% | 0.25% | −0.01 |
| EFG iShares MSCI Eafe Growth ETF | Reduce -2.4% | 1.52% | −0.01 |
| MDYG SS SPDR S&P 400 MC GR ETF | Reduce -1.2% | 0.08% | −0.01 |
| RSP Invesco S&P 500 Equal Weight | Reduce -1.2% | 0.20% | −0.01 |
| UAUG Innovator U.S. Equity Ultra | Reduce -3.0% | 0.10% | −0.01 |
| PG The Procter & Gamble Co. | Reduce -2.9% | 0.20% | −0.01 |
| DE Deere & Co. | Reduce -11.1% | 0.15% | −0.00 |
| MCD McDonald's Corp. | Reduce -7.1% | 0.11% | −0.00 |
| SCZ iShares MSCI Eafe Small-Cap | Reduce -1.7% | 0.48% | +0.01 |
| MMM 3M Co. | Reduce -5.3% | 0.23% | +0.01 |
| GLD SPDR Gold Shares | Reduce -4.8% | 1.45% | +0.15 |
| IAU iShares Gold Trust | Reduce -3.3% | 6.50% | +0.77 |
Portfolio Buys Q4 2024 → Q1 2025
| DFIV Dimensional International Va | Add +11.8% | 4.50% | +0.82 |
| DISV Dimensional International SM | Add +14.1% | 3.06% | +0.58 |
| DFIP Dimensional Inflation-Protec | Add +29.5% | 1.91% | +0.47 |
| JNJ Johnson & Johnson | Add +47.6% | 0.74% | +0.30 |
| DFEV Dimensional Emrg MRKT Val | Add +13.6% | 1.72% | +0.23 |
| XOM Exxon Mobil Corp. | Add +53.3% | 0.58% | +0.23 |
| BIV Vanguard Intermediate-Term B | Add +7.6% | 2.82% | +0.22 |
| VCSH Vanguard S/T Corp. Bond ETF | Add +25.0% | 0.98% | +0.19 |
| DFGR Dim Global Real Estate ETF | Add +7.9% | 1.78% | +0.15 |
| XBJA Innovator US Eq Ac 9 Buff-J | Add +8.7% | 2.56% | +0.12 |
| VZ Verizon Communications Inc. | New | 0.10% | +0.10 |
| PEG Public Service Enterprise GP | New | 0.10% | +0.10 |
| BRK.B Berkshire Hathaway Inc. Class B | Add +10.0% | 0.46% | +0.10 |
| CPSY Calamos S&P 500 Sap ETF Jan | New | 0.10% | +0.10 |
| VTIP Vanguard Short-Term Tips | Add +12.1% | 0.76% | +0.09 |
| EPD Enterprise Products Partners | New | 0.09% | +0.09 |
| VTES Vanguard SH Term Tax-Ex Bond | Add +10.8% | 1.04% | +0.09 |
| O Realty Income Corp. | Add +34.6% | 0.27% | +0.08 |
| PRU Prudential Financial Inc. | New | 0.08% | +0.08 |
| ES Eversource Energy | New | 0.08% | +0.08 |
| DFSV Dimensional US Small Cap Val | Add +13.8% | 2.38% | +0.06 |
| VYM Vanguard High DVD Yield ETF | Add +2.1% | 3.33% | +0.06 |
| IBM Intl Business Machines Corp. | Add +13.7% | 0.22% | +0.05 |
| VEA Vanguard Ftse Developed ETF | Add +2.3% | 0.60% | +0.04 |
| RTX RTX Corp. | Add +3.4% | 0.26% | +0.04 |
| DFLV Dim US Large Cap Value ETF | Add +14.4% | 0.28% | +0.04 |
| FNDX Schwab Fndmntl US LRG Co. ETF | Add +2.7% | 3.50% | +0.03 |
| DFAR Dimensional US Real Est ETF | Add +7.2% | 0.38% | +0.03 |
| CVX Chevron Corp. | Add +8.6% | 0.12% | +0.02 |
| LLY Eli Lilly & Co. | Add +4.2% | 0.24% | +0.02 |
| DFUS Dimensional US Eq MKT ETF | Add +12.0% | 0.22% | +0.01 |
| COST Costco Wholesale Corp. | Add +2.0% | 0.25% | +0.01 |
| DFIS Dimensional International SM | Add +2.8% | 0.13% | +0.01 |
| JPM JPMorgan Chase & Co. | Add +3.4% | 0.19% | +0.01 |
| GD General Dynamics Corp. | Add +0.4% | 0.11% | +0.00 |
| QUAL iShares MSCI USA Quality Fac | Add +8.0% | 0.11% | +0.00 |
| BND Vanguard Total Bond Market | Add +0.2% | 0.22% | +0.00 |
| IHI iShares U.S. Medical Devices | Add +0.0% | 0.08% | +0.00 |
| EMB iShares JP Morgan Usd Emergi | Add +0.2% | 0.14% | +0.00 |
| PEP Pepsico Inc. | Add +3.2% | 0.18% | +0.00 |
| BDX Becton Dickinson and Co. | Add +0.0% | 0.21% | −0.00 |
| VO Vngrd Mrngstr MD-Cap ETF-Usd | Add +2.9% | 0.18% | −0.00 |
| VIG Vanguard Dividend Apprec ETF | Add +1.8% | 0.22% | −0.00 |
| NVDA Nvidia Corp. | Add +20.0% | 0.07% | −0.00 |
| META Meta Platforms Inc. Class A | Add +1.1% | 0.22% | −0.00 |
| SCHB Schwab US Broad Market ETF | Add +0.3% | 0.08% | −0.01 |
| VOT Vngrd Mrngstr MC GRW ETF-Usd | Add +4.1% | 0.85% | −0.01 |
| MDYV SS SPDR S&P 400 MC Val ETF | Add +0.0% | 0.18% | −0.01 |
| AMZN Amazon.com Inc. | Add +7.4% | 0.16% | −0.01 |
| GOOGL Alphabet Inc. Class A | Add +3.7% | 0.16% | −0.03 |
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 |