Sterling Financial Planning, Inc.
In its 13F for Q2 2025 (holdings as of June 30, 2025, filed July 28, 2025), Sterling Financial Planning, Inc. reported 116 stock positions worth $299.3 million. Its top holding was iShares S&P Mid-Cap 400 Valu (IJJ) at 6.0% of the portfolio, followed by iShares Gold Trust (IAU, 5.8%) and iShares S&P 500 Growth ETF (IVW, 5.7%). Compared with Q1 2025, it opened 8 new positions, sold out of 1, added to 49 and reduced 44. The biggest buy was iShares S&P 500 Growth ETF (IVW, shares +1%) and the biggest sale iShares Gold Trust (IAU, shares −8%).
- Most Recent 13F
- Q2 2026
- Location
- SPARTA, NJ
- CIK
- 0001844278
- Portfolio Value
- $299.3M (Q2 2025)
- SEC Filing
- 0001085146-25-004184 ↗ filed Jul 28, 2025
Holdings Value
Holdings 116 stocks · $299.3M
| IJJ iShares S&P Mid-Cap 400 Valu | 6.04% | 146,424 | $18.1M | Add +4.8% |
| IAU iShares Gold Trust | 5.83% | 279,688 | $17.4M | Reduce -8.0% |
| IVW iShares S&P 500 Growth ETF | 5.72% | 155,540 | $17.1M | Add +0.8% |
| IJT iShares S&P Small-Cap 600 GR | 5.50% | 123,791 | $16.5M | Add +5.0% |
| IJK iShares S&P Mid-Cap 400 Grow | 5.42% | 178,234 | $16.2M | Add +2.1% |
| DFIV Dimensional International Va | 4.60% | 321,412 | $13.8M | Add +1.9% |
| FNDX Schwab Fndmntl US LRG Co. ETF | 3.56% | 434,117 | $10.7M | Add +6.3% |
| VYM Vanguard High DVD Yield ETF | 3.35% | 75,194 | $10.0M | Add +5.5% |
| DISV Dimensional International SM | 3.28% | 298,114 | $9.8M | Add +2.9% |
| DFSV Dimensional US Small Cap Val | 2.73% | 277,710 | $8.2M | Add +19.2% |
| BIV Vanguard Intermediate-Term B | 2.72% | 105,275 | $8.1M | Add +3.8% |
| IJS iShares S&P Small-Cap 600 Va | 2.68% | 80,647 | $8.0M | Add +0.7% |
| XBJA Innovator US Eq Ac 9 Buff-J | 2.64% | 261,717 | $7.9M | Add +4.7% |
| IVV iShares Core S&P 500 ETF | 2.61% | 12,596 | $7.8M | Add +0.1% |
| DFEV Dimensional Emrg MRKT Val | 1.86% | 185,640 | $5.6M | Add +5.7% |
| DFIP Dimensional Inflation-Protec | 1.85% | 132,599 | $5.5M | Add +6.1% |
| DFGR Dim Global Real Estate ETF | 1.82% | 202,568 | $5.4M | Add +8.3% |
| EFG iShares MSCI Eafe Growth ETF | 1.56% | 41,762 | $4.7M | Reduce -0.4% |
| IVE iShares S&P 500 Value ETF | 1.52% | 23,272 | $4.5M | Reduce -0.5% |
| IJH iShares Core S&P Midcap ETF | 1.48% | 71,504 | $4.4M | Reduce -0.4% |
| GOVT iShares US Treasury Bond ETF | 1.37% | 178,923 | $4.1M | Add +0.6% |
| GLD SPDR Gold Shares | 1.31% | 12,904 | $3.9M | Reduce -7.3% |
| QQQ Invesco QQQ Trust Series 1 | 1.26% | 6,843 | $3.8M | Add +1.2% |
| BSV Vanguard Short-Term Bond ETF | 1.24% | 47,106 | $3.7M | Reduce -0.5% |
| VOE Vngrd Mrngstr MD-Cap Val ETF | 1.12% | 20,329 | $3.3M | Add +3.4% |
| AAPL Apple Inc. | 1.07% | 15,611 | $3.2M | Reduce -0.0% |
| VOT Vngrd Mrngstr MC GRW ETF-Usd | 1.05% | 11,023 | $3.1M | Add +15.5% |
| VTEB Vanguard Tax-Exempt Bond ETF | 1.03% | 62,933 | $3.1M | Add +0.9% |
| IDV iShares International Select | 1.01% | 87,308 | $3.0M | Reduce -5.6% |
| VTES Vanguard SH Term Tax-Ex Bond | 0.99% | 29,326 | $3.0M | Add +3.2% |
| VNQ Vanguard Real Estate ETF | 0.96% | 32,296 | $2.9M | Reduce -0.0% |
| VCSH Vanguard S/T Corp. Bond ETF | 0.95% | 35,817 | $2.8M | Add +4.2% |
| FNDC Schwab Fndmnt Intl SM Eq ETF | 0.88% | 62,524 | $2.6M | Reduce -3.5% |
| VBK Van Morst SML-Cap Gro-Usd Inc. | 0.77% | 8,278 | $2.3M | Add +2.2% |
| VBR Vngrd Mrngst SL-CP Val ETF-U | 0.77% | 11,753 | $2.3M | Add +0.2% |
| DGS Wisdomtree Em Small Cap | 0.74% | 40,095 | $2.2M | Add +0.3% |
| VTIP Vanguard Short-Term Tips | 0.74% | 43,985 | $2.2M | Add +4.2% |
| BNDX Vanguard Total Intl Bond ETF | 0.73% | 44,228 | $2.2M | Add +3.0% |
| JNJ Johnson & Johnson | 0.63% | 12,293 | $1.9M | Reduce -0.0% |
| MUB iShares National Muni Bond E | 0.60% | 17,278 | $1.8M | Add +0.2% |
| MSFT Microsoft Corp. | 0.60% | 3,596 | $1.8M | Reduce -2.5% |
| VEA Vanguard Ftse Developed ETF | 0.59% | 31,231 | $1.8M | Reduce -4.2% |
| TIP iShares Tips Bond ETF | 0.57% | 15,566 | $1.7M | Reduce -1.9% |
| SPY SS SPDR S&P 500 ETF Trust-US | 0.54% | 2,621 | $1.6M | Reduce -0.1% |
| PRF Invesco Rafi US 1000 ETF | 0.48% | 33,849 | $1.4M | Reduce -0.1% |
| SCZ iShares MSCI Eafe Small-Cap | 0.47% | 19,422 | $1.4M | Reduce -6.5% |
| XOM Exxon Mobil Corp. | 0.47% | 13,041 | $1.4M | Reduce -2.4% |
| IJR iShares Core S&P Small-Cap E | 0.41% | 11,367 | $1.2M | Reduce -0.1% |
| BRK.B Berkshire Hathaway Inc. Class B | 0.37% | 2,282 | $1.1M | Reduce -5.1% |
| DFAR Dimensional US Real Est ETF | 0.36% | 46,375 | $1.1M | Add +5.1% |
| RTX RTX Corp. | 0.33% | 12,657 | $995K | Add +136.2% |
| SIGI Selective Insurance Group | 0.33% | 11,418 | $989K | No change |
| DFLV Dim US Large Cap Value ETF | 0.32% | 31,344 | $972K | Add +25.4% |
| VUG Vanguard Mrngstar GR ETF-Sui | 0.26% | 1,793 | $786K | Reduce -7.0% |
| META Meta Platforms Inc. Class A | 0.26% | 1,052 | $776K | Reduce -1.0% |
| O Realty Income Corp. | 0.25% | 12,775 | $736K | Add +0.1% |
| IBM Intl Business Machines Corp. filed as INTERNATIONAL BUSINESS MACHS | 0.24% | 2,483 | $732K | Reduce -0.0% |
| DFUS Dimensional US Eq MKT ETF | 0.24% | 10,698 | $717K | Add +5.7% |
| PJAN Innovator U.S. Equity Power | 0.24% | 16,260 | $716K | Reduce -0.4% |
| COST Costco Wholesale Corp. | 0.24% | 712 | $705K | Reduce -1.9% |
| MMM 3M Co. | 0.22% | 4,367 | $665K | Add +0.0% |
| VIG Vanguard Dividend Apprec ETF | 0.21% | 3,116 | $638K | No change |
| LLY Eli Lilly & Co. | 0.20% | 784 | $611K | Reduce -1.8% |
| JPM JPMorgan Chase & Co. | 0.20% | 2,018 | $585K | Reduce -5.7% |
| BND Vanguard Total Bond Market | 0.19% | 7,884 | $580K | Reduce -2.5% |
| RSP Invesco S&P 500 Equal Weight | 0.19% | 3,126 | $568K | No change |
| PRFZ Inv Rafi US 1500 SM-Usd Inc. | 0.19% | 13,917 | $566K | Reduce -1.3% |
| VO Vngrd Mrngstr MD-Cap ETF-Usd | 0.18% | 1,906 | $533K | Reduce -0.4% |
| AMZN Amazon.com Inc. | 0.18% | 2,407 | $528K | Add +4.4% |
| MDYV SS SPDR S&P 400 MC Val ETF | 0.17% | 6,519 | $518K | Add +0.0% |
| GOOGL Alphabet Inc. Class A | 0.16% | 2,774 | $489K | Reduce -3.3% |
| SCHE Schwab Emrg Mrkts Eqty ETF | 0.16% | 16,208 | $488K | Reduce -10.1% |
| PFS Provident Financial Services | 0.16% | 26,544 | $465K | Reduce -15.7% |
| PG The Procter & Gamble Co. | 0.15% | 2,872 | $458K | Reduce -12.2% |
| DE Deere & Co. | 0.14% | 842 | $428K | Reduce -4.8% |
| PEP Pepsico Inc. | 0.14% | 3,170 | $419K | Reduce -3.4% |
| EMB iShares JP Morgan Usd Emergi | 0.13% | 4,157 | $385K | Reduce -4.8% |
| CARR Carrier Global Corp. | 0.12% | 5,027 | $368K | No change |
| DFIS Dimensional International SM | 0.12% | 11,677 | $348K | Reduce -13.2% |
| GOOG Alphabet Inc. Class C | 0.11% | 1,880 | $333K | No change |
| QUAL iShares MSCI USA Quality Fac | 0.11% | 1,818 | $332K | Add +0.1% |
| CPSY Calamos S&P 500 Sap ETF Jan | 0.11% | 13,451 | $325K | Add +18.9% |
| GD General Dynamics Corp. | 0.11% | 1,111 | $324K | Add +0.5% |
| HD Home Depot Inc. | 0.10% | 853 | $313K | Reduce -2.9% |
| VWO Vanguard Ftse Emerging Marke | 0.10% | 6,264 | $310K | Add +0.2% |
| NVDA Nvidia Corp. | 0.10% | 1,930 | $305K | Add +4.2% |
| CVX Chevron Corp. | 0.10% | 2,127 | $305K | Add +4.9% |
| UAUG Innovator U.S. Equity Ultra | 0.10% | 8,103 | $303K | No change |
| ORCL Oracle Corp. | 0.10% | 1,387 | $303K | New |
| MCD McDonald's Corp. | 0.10% | 1,000 | $292K | Add +5.3% |
| XBAP Innovator US Eqy Accel 9 Buf | 0.10% | 7,745 | $285K | No change |
| RCL Royal Caribbean Cruises Ltd. | 0.09% | 900 | $282K | New |
| PEG Public Service Enterprise GP | 0.09% | 3,331 | $280K | Reduce -3.1% |
| VZ Verizon Communications Inc. | 0.09% | 6,340 | $274K | Reduce -0.3% |
| DIVS Guinness Atkinson DVD BL-Usd | 0.09% | 8,876 | $273K | No change |
| IDHQ Invesco S&P International DE | 0.09% | 7,926 | $261K | Add +1.7% |
| LOW Lowe's Cos Inc. | 0.09% | 1,174 | $260K | No change |
| DVY iShares Select Dividend ETF | 0.09% | 1,922 | $255K | Reduce -0.6% |
| ABBV Abbvie Inc. | 0.08% | 1,352 | $251K | No change |
| OTIS Otis Worldwide Corp. | 0.08% | 2,513 | $249K | No change |
Portfolio Sells Q1 2025 → Q2 2025
| IAU iShares Gold Trust | Reduce -8.0% | 5.83% | −0.67 |
| AAPL Apple Inc. | Reduce -0.0% | 1.07% | −0.19 |
| GLD SPDR Gold Shares | Reduce -7.3% | 1.31% | −0.14 |
| BDX Becton Dickinson and Co. | Reduce -46.2% | 0.08% | −0.13 |
| JNJ Johnson & Johnson | Reduce -0.0% | 0.63% | −0.11 |
| XOM Exxon Mobil Corp. | Reduce -2.4% | 0.47% | −0.11 |
| BSV Vanguard Short-Term Bond ETF | Reduce -0.5% | 1.24% | −0.11 |
| VNQ Vanguard Real Estate ETF | Reduce -0.0% | 0.96% | −0.10 |
| IVE iShares S&P 500 Value ETF | Reduce -0.5% | 1.52% | −0.10 |
| BRK.B Berkshire Hathaway Inc. Class B | Reduce -5.1% | 0.37% | −0.09 |
| EPD Enterprise Products Partners | Sold out | 0.00% | −0.09 |
| TIP iShares Tips Bond ETF | Reduce -1.9% | 0.57% | −0.07 |
| PG The Procter & Gamble Co. | Reduce -12.2% | 0.15% | −0.05 |
| PFS Provident Financial Services | Reduce -15.7% | 0.16% | −0.04 |
| PEP Pepsico Inc. | Reduce -3.4% | 0.14% | −0.04 |
| IJH iShares Core S&P Midcap ETF | Reduce -0.4% | 1.48% | −0.04 |
| LLY Eli Lilly & Co. | Reduce -1.8% | 0.20% | −0.03 |
| IDV iShares International Select | Reduce -5.6% | 1.01% | −0.03 |
| BND Vanguard Total Bond Market | Reduce -2.5% | 0.19% | −0.02 |
| MRK Merck & Co. Inc. | Reduce -1.8% | 0.08% | −0.02 |
| PRF Invesco Rafi US 1000 ETF | Reduce -0.1% | 0.48% | −0.02 |
| SCHE Schwab Emrg Mrkts Eqty ETF | Reduce -10.1% | 0.16% | −0.02 |
| IJR iShares Core S&P Small-Cap E | Reduce -0.1% | 0.41% | −0.02 |
| EMB iShares JP Morgan Usd Emergi | Reduce -4.8% | 0.13% | −0.01 |
| COST Costco Wholesale Corp. | Reduce -1.9% | 0.24% | −0.01 |
| VZ Verizon Communications Inc. | Reduce -0.3% | 0.09% | −0.01 |
| HD Home Depot Inc. | Reduce -2.9% | 0.10% | −0.01 |
| DFIS Dimensional International SM | Reduce -13.2% | 0.12% | −0.01 |
| PEG Public Service Enterprise GP | Reduce -3.1% | 0.09% | −0.01 |
| DVY iShares Select Dividend ETF | Reduce -0.6% | 0.09% | −0.01 |
| DE Deere & Co. | Reduce -4.8% | 0.14% | −0.01 |
| SCZ iShares MSCI Eafe Small-Cap | Reduce -6.5% | 0.47% | −0.01 |
| PJAN Innovator U.S. Equity Power | Reduce -0.4% | 0.24% | −0.01 |
| VEA Vanguard Ftse Developed ETF | Reduce -4.2% | 0.59% | −0.01 |
| PRFZ Inv Rafi US 1500 SM-Usd Inc. | Reduce -1.3% | 0.19% | −0.00 |
| VO Vngrd Mrngstr MD-Cap ETF-Usd | Reduce -0.4% | 0.18% | −0.00 |
| GOOGL Alphabet Inc. Class A | Reduce -3.3% | 0.16% | +0.00 |
| VUG Vanguard Mrngstar GR ETF-Sui | Reduce -7.0% | 0.26% | +0.00 |
| JPM JPMorgan Chase & Co. | Reduce -5.7% | 0.20% | +0.01 |
| SPY SS SPDR S&P 500 ETF Trust-US | Reduce -0.1% | 0.54% | +0.01 |
| IBM Intl Business Machines Corp. | Reduce -0.0% | 0.24% | +0.02 |
| FNDC Schwab Fndmnt Intl SM Eq ETF | Reduce -3.5% | 0.88% | +0.03 |
| META Meta Platforms Inc. Class A | Reduce -1.0% | 0.26% | +0.04 |
| EFG iShares MSCI Eafe Growth ETF | Reduce -0.4% | 1.56% | +0.04 |
| MSFT Microsoft Corp. | Reduce -2.5% | 0.60% | +0.10 |
Portfolio Buys Q1 2025 → Q2 2025
| IVW iShares S&P 500 Growth ETF | Add +0.8% | 5.72% | +0.52 |
| DFSV Dimensional US Small Cap Val | Add +19.2% | 2.73% | +0.35 |
| DISV Dimensional International SM | Add +2.9% | 3.28% | +0.22 |
| VOT Vngrd Mrngstr MC GRW ETF-Usd | Add +15.5% | 1.05% | +0.20 |
| IJT iShares S&P Small-Cap 600 GR | Add +5.0% | 5.50% | +0.18 |
| IJK iShares S&P Mid-Cap 400 Grow | Add +2.1% | 5.42% | +0.15 |
| DFEV Dimensional Emrg MRKT Val | Add +5.7% | 1.86% | +0.14 |
| QQQ Invesco QQQ Trust Series 1 | Add +1.2% | 1.26% | +0.11 |
| ORCL Oracle Corp. | New | 0.10% | +0.10 |
| DFIV Dimensional International Va | Add +1.9% | 4.60% | +0.10 |
| RCL Royal Caribbean Cruises Ltd. | New | 0.09% | +0.09 |
| GE General Electric | New | 0.08% | +0.08 |
| TSLA Tesla Inc. | New | 0.08% | +0.08 |
| XBJA Innovator US Eq Ac 9 Buff-J | Add +4.7% | 2.64% | +0.08 |
| RTX RTX Corp. | Add +136.2% | 0.33% | +0.08 |
| LRCX Lam Research Corp. | New | 0.07% | +0.07 |
| VTI VG Morningstar TS MKT ETF-US | New | 0.07% | +0.07 |
| CPST Calamos S&P 500 Alt Sept | New | 0.07% | +0.07 |
| IWB iShares Russell 1000 ETF | New | 0.07% | +0.07 |
| FNDX Schwab Fndmntl US LRG Co. ETF | Add +6.3% | 3.56% | +0.06 |
| DFLV Dim US Large Cap Value ETF | Add +25.4% | 0.32% | +0.05 |
| IVV iShares Core S&P 500 ETF | Add +0.1% | 2.61% | +0.05 |
| DGS Wisdomtree Em Small Cap | Add +0.3% | 0.74% | +0.04 |
| DFGR Dim Global Real Estate ETF | Add +8.3% | 1.82% | +0.03 |
| NVDA Nvidia Corp. | Add +4.2% | 0.10% | +0.03 |
| VBK Van Morst SML-Cap Gro-Usd Inc. | Add +2.2% | 0.77% | +0.03 |
| DFUS Dimensional US Eq MKT ETF | Add +5.7% | 0.24% | +0.02 |
| AMZN Amazon.com Inc. | Add +4.4% | 0.18% | +0.02 |
| VYM Vanguard High DVD Yield ETF | Add +5.5% | 3.35% | +0.01 |
| CPSY Calamos S&P 500 Sap ETF Jan | Add +18.9% | 0.11% | +0.01 |
| IDHQ Invesco S&P International DE | Add +1.7% | 0.09% | +0.00 |
| SCHB Schwab US Broad Market ETF | Add +0.3% | 0.08% | +0.00 |
| VWO Vanguard Ftse Emerging Marke | Add +0.2% | 0.10% | +0.00 |
| GD General Dynamics Corp. | Add +0.5% | 0.11% | −0.00 |
| QUAL iShares MSCI USA Quality Fac | Add +0.1% | 0.11% | −0.00 |
| IHI iShares U.S. Medical Devices | Add +0.1% | 0.08% | −0.00 |
| VONV Vanguard Russell 1000 Value | Add +0.9% | 0.08% | −0.00 |
| PRU Prudential Financial Inc. | Add +0.1% | 0.07% | −0.01 |
| MDYV SS SPDR S&P 400 MC Val ETF | Add +0.0% | 0.17% | −0.01 |
| MCD McDonald's Corp. | Add +5.3% | 0.10% | −0.01 |
| MMM 3M Co. | Add +0.0% | 0.22% | −0.01 |
| DFAR Dimensional US Real Est ETF | Add +5.1% | 0.36% | −0.02 |
| CVX Chevron Corp. | Add +4.9% | 0.10% | −0.02 |
| O Realty Income Corp. | Add +0.1% | 0.25% | −0.02 |
| IJJ iShares S&P Mid-Cap 400 Valu | Add +4.8% | 6.04% | −0.02 |
| VTIP Vanguard Short-Term Tips | Add +4.2% | 0.74% | −0.03 |
| VBR Vngrd Mrngst SL-CP Val ETF-U | Add +0.2% | 0.77% | −0.03 |
| VOE Vngrd Mrngstr MD-Cap Val ETF | Add +3.4% | 1.12% | −0.03 |
| BNDX Vanguard Total Intl Bond ETF | Add +3.0% | 0.73% | −0.03 |
| VCSH Vanguard S/T Corp. Bond ETF | Add +4.2% | 0.95% | −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 |