Sterling Financial Planning, Inc.

Name: Sterling Financial Planning, Inc. 13F holdings, Q1 2025
Creator: Sterling Financial Planning, Inc.
Published: 2025-04-29

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

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
IDHQ Invesco S&P International DE	0.08%	7,792	$233K	No change
VONV Vanguard Russell 1000 Value	0.08%	2,724	$225K	No change
PRU Prudential Financial Inc.	0.08%	1,985	$222K	New
IHI iShares U.S. Medical Devices	0.08%	3,624	$218K	Add +0.0%
ES Eversource Energy	0.08%	3,452	$214K	New
MDYG SS SPDR S&P 400 MC GR ETF	0.08%	2,644	$210K	Reduce -1.2%
SCHB Schwab US Broad Market ETF	0.08%	9,613	$207K	Add +0.3%
NVDA Nvidia Corp.	0.07%	1,852	$201K	Add +20.0%
BDJ BlackRock Enhanced Eqty DVD	0.04%	13,831	$119K	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