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

0$100.0M$200.0M$300.0M$400.0M Q1 2024: $246.8M Q1 2024 Q2 2024: $246.5M Q2 2024 Q3 2024: $271.2M Q3 2024 Q4 2024: $271.8M Q4 2024 Q1 2025: $275.7M Q1 2025 Q2 2025: $299.3M $299.3M Q2 2025 Q3 2025: $317.1M Q3 2025 Q4 2025: $331.8M Q4 2025 Q1 2026: $337.3M Q1 2026 Q2 2026: $367.7M Q2 2026

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
CPSJ Calamos S&P 500 Sap ETF July 0.08% 9,447 $246K No change
GE General Electric filed as GE AEROSPACE 0.08% 930 $239K New
MRK Merck & Co. Inc. 0.08% 3,014 $239K Reduce -1.8%
BDX Becton Dickinson and Co. 0.08% 1,372 $236K Reduce -46.2%
TSLA Tesla Inc. 0.08% 738 $234K New
VONV Vanguard Russell 1000 Value 0.08% 2,750 $234K Add +0.9%
SCHB Schwab US Broad Market ETF 0.08% 9,641 $230K Add +0.3%
MDYG SS SPDR S&P 400 MC GR ETF 0.08% 2,644 $230K No change
IHI iShares U.S. Medical Devices 0.08% 3,626 $227K Add +0.1%
ES Eversource Energy 0.07% 3,452 $220K No change
LRCX Lam Research Corp. 0.07% 2,220 $216K New
PRU Prudential Financial Inc. 0.07% 1,987 $213K Add +0.1%
VTI VG Morningstar TS MKT ETF-US 0.07% 694 $211K New
CPST Calamos S&P 500 Alt Sept 0.07% 8,018 $209K New
IWB iShares Russell 1000 ETF 0.07% 589 $200K New
BDJ BlackRock Enhanced Eqty DVD 0.04% 13,831 $123K 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

QuarterPositions13F Reported ValueTop Holdings
Q2 2026 123$367.7MIJJ, IJT, IJK, IVW, IAU
Q1 2026 117$337.3MIAU, IJJ, IJT, IJK, IVW
Q4 2025 120$331.8MIAU, IJJ, IJT, IVW, IJK
Q3 2025 116$317.1MIAU, IJJ, IVW, IJT, IJK
Q2 2025 116$299.3MIJJ, IAU, IVW, IJT, IJK
Q1 2025 109$275.7MIAU, IJJ, IJT, IJK, IVW
Q4 2024 108$271.8MIJJ, IAU, IVW, IJT, IJK
Q3 2024 108$271.2MIJJ, IAU, IJT, IJK, IVW
Q2 2024 106$246.5MIJJ, IVW, IAU, IJT, IJK
Q1 2024 105$246.8MIJJ, IAU, IJK, IJT, IVW