Sterling Financial Planning, Inc.
In its 13F for Q3 2025 (holdings as of September 30, 2025, filed October 24, 2025), Sterling Financial Planning, Inc. reported 116 stock positions worth $317.1 million. Its top holding was iShares Gold Trust (IAU) at 6.3% of the portfolio, followed by iShares S&P Mid-Cap 400 Valu (IJJ, 6.0%) and iShares S&P 500 Growth ETF (IVW, 5.6%). Compared with Q2 2025, it opened 2 new positions, sold out of 2, added to 37 and reduced 56. The biggest buy was Invesco QQQ Trust Series 1 (QQQ, shares +5%) and the biggest sale iShares MSCI Eafe Growth ETF (EFG, shares −3%).
- Most Recent 13F
- Q2 2026
- Location
- SPARTA, NJ
- CIK
- 0001844278
- Portfolio Value
- $317.1M (Q3 2025)
- SEC Filing
- 0001844278-25-000002 ↗ filed Oct 24, 2025
Holdings Value
Holdings 116 stocks · $317.1M
| IAU iShares Gold Trust | 6.27% | 273,359 | $19.9M | Reduce -2.3% |
| IJJ iShares S&P Mid-Cap 400 Valu | 6.05% | 147,868 | $19.2M | Add +1.0% |
| IVW iShares S&P 500 Growth ETF | 5.64% | 148,099 | $17.9M | Reduce -4.8% |
| IJT iShares S&P Small-Cap 600 GR | 5.54% | 124,178 | $17.6M | Add +0.3% |
| IJK iShares S&P Mid-Cap 400 Grow | 5.45% | 180,213 | $17.3M | Add +1.1% |
| DFIV Dimensional International Va | 4.61% | 316,690 | $14.6M | Reduce -1.5% |
| FNDX Schwab Fndmntl US LRG Co. ETF | 3.52% | 423,993 | $11.2M | Reduce -2.3% |
| VYM Vanguard High DVD Yield ETF | 3.41% | 76,746 | $10.8M | Add +2.1% |
| DISV Dimensional International SM | 3.32% | 294,935 | $10.5M | Reduce -1.1% |
| DFSV Dimensional US Small Cap Val | 2.81% | 280,173 | $8.9M | Add +0.9% |
| IJS iShares S&P Small-Cap 600 Va | 2.76% | 79,243 | $8.8M | Reduce -1.7% |
| BIV Vanguard Intermediate-Term B | 2.70% | 109,556 | $8.6M | Add +4.1% |
| IVV iShares Core S&P 500 ETF | 2.66% | 12,620 | $8.4M | Add +0.2% |
| XBJA Innovator US Eq Ac 9 Buff-J | 2.64% | 267,275 | $8.4M | Add +2.1% |
| DFIP Dimensional Inflation-Protec | 1.85% | 139,163 | $5.9M | Add +5.0% |
| DFEV Dimensional Emrg MRKT Val | 1.79% | 178,056 | $5.7M | Reduce -4.1% |
| DFGR Dim Global Real Estate ETF | 1.78% | 206,621 | $5.6M | Add +2.0% |
| IVE iShares S&P 500 Value ETF | 1.51% | 23,140 | $4.8M | Reduce -0.6% |
| IJH iShares Core S&P Midcap ETF | 1.46% | 71,142 | $4.6M | Reduce -0.5% |
| EFG iShares MSCI Eafe Growth ETF | 1.46% | 40,711 | $4.6M | Reduce -2.5% |
| GLD SPDR Gold Shares | 1.39% | 12,419 | $4.4M | Reduce -3.8% |
| QQQ Invesco QQQ Trust Series 1 | 1.36% | 7,208 | $4.3M | Add +5.3% |
| GOVT iShares US Treasury Bond ETF | 1.33% | 181,895 | $4.2M | Add +1.7% |
| BSV Vanguard Short-Term Bond ETF | 1.26% | 50,770 | $4.0M | Add +7.8% |
| AAPL Apple Inc. | 1.25% | 15,578 | $4.0M | Reduce -0.2% |
| VOE Vngrd Mrngstr MD-Cap Val ETF | 1.13% | 20,555 | $3.6M | Add +1.1% |
| VCSH Vanguard S/T Corp. Bond ETF | 1.05% | 41,805 | $3.3M | Add +16.7% |
| VTEB Vanguard Tax-Exempt Bond ETF | 1.02% | 64,624 | $3.2M | Add +2.7% |
| VOT Vngrd Mrngstr MC GRW ETF-Usd | 0.99% | 10,722 | $3.2M | Reduce -2.7% |
| VTES Vanguard SH Term Tax-Ex Bond | 0.97% | 30,144 | $3.1M | Add +2.8% |
| IDV iShares International Select | 0.95% | 82,534 | $3.0M | Reduce -5.5% |
| VNQ Vanguard Real Estate ETF | 0.89% | 30,992 | $2.8M | Reduce -4.0% |
| FNDC Schwab Fndmnt Intl SM Eq ETF | 0.81% | 57,766 | $2.6M | Reduce -7.6% |
| VBK Van Morst SML-Cap Gro-Usd Inc. | 0.77% | 8,164 | $2.4M | Reduce -1.4% |
| VBR Vngrd Mrngst SL-CP Val ETF-U | 0.75% | 11,464 | $2.4M | Reduce -2.5% |
| VTIP Vanguard Short-Term Tips | 0.74% | 46,232 | $2.3M | Add +5.1% |
| BNDX Vanguard Total Intl Bond ETF | 0.74% | 47,212 | $2.3M | Add +6.8% |
| DGS Wisdomtree Em Small Cap | 0.72% | 39,875 | $2.3M | Reduce -0.6% |
| JNJ Johnson & Johnson | 0.60% | 10,315 | $1.9M | Reduce -16.1% |
| VEA Vanguard Ftse Developed ETF | 0.57% | 30,022 | $1.8M | Reduce -3.9% |
| MSFT Microsoft Corp. | 0.56% | 3,414 | $1.8M | Reduce -5.1% |
| MUB iShares National Muni Bond E | 0.55% | 16,502 | $1.8M | Reduce -4.5% |
| SPY SS SPDR S&P 500 ETF Trust-US | 0.53% | 2,513 | $1.7M | Reduce -4.1% |
| TIP iShares Tips Bond ETF | 0.51% | 14,404 | $1.6M | Reduce -7.5% |
| PRF Invesco Rafi US 1000 ETF | 0.47% | 32,636 | $1.5M | Reduce -3.6% |
| XOM Exxon Mobil Corp. | 0.46% | 13,070 | $1.5M | Add +0.2% |
| SCZ iShares MSCI Eafe Small-Cap | 0.44% | 18,137 | $1.4M | Reduce -6.6% |
| IJR iShares Core S&P Small-Cap E | 0.42% | 11,286 | $1.3M | Reduce -0.7% |
| BRK.B Berkshire Hathaway Inc. Class B | 0.36% | 2,282 | $1.1M | No change |
| DFAR Dimensional US Real Est ETF | 0.35% | 46,497 | $1.1M | Add +0.3% |
| SIGI Selective Insurance Group | 0.29% | 11,418 | $926K | No change |
| DFLV Dim US Large Cap Value ETF | 0.28% | 26,816 | $882K | Reduce -14.4% |
| RTX RTX Corp. | 0.28% | 5,242 | $877K | Reduce -58.6% |
| VUG Vanguard Mrngstar GR ETF-Sui | 0.26% | 1,732 | $830K | Reduce -3.4% |
| O Realty Income Corp. | 0.25% | 12,791 | $778K | Add +0.1% |
| DFUS Dimensional US Eq MKT ETF | 0.24% | 10,645 | $771K | Reduce -0.5% |
| META Meta Platforms Inc. Class A | 0.24% | 1,018 | $748K | Reduce -3.2% |
| PJAN Innovator U.S. Equity Power | 0.23% | 15,757 | $722K | Reduce -3.1% |
| IBM Intl Business Machines Corp. filed as INTERNATIONAL BUSINESS MACHS | 0.21% | 2,415 | $681K | Reduce -2.7% |
| MMM 3M Co. | 0.21% | 4,367 | $678K | No change |
| GOOGL Alphabet Inc. Class A | 0.21% | 2,751 | $669K | Reduce -0.8% |
| VIG Vanguard Dividend Apprec ETF | 0.20% | 2,963 | $639K | Reduce -4.9% |
| JPM JPMorgan Chase & Co. | 0.20% | 1,986 | $626K | Reduce -1.6% |
| PRFZ Inv Rafi US 1500 SM-Usd Inc. | 0.19% | 13,310 | $605K | Reduce -4.4% |
| LLY Eli Lilly & Co. | 0.19% | 784 | $598K | No change |
| RSP Invesco S&P 500 Equal Weight | 0.19% | 3,099 | $588K | Reduce -0.9% |
| VO Vngrd Mrngstr MD-Cap ETF-Usd | 0.17% | 1,872 | $550K | Reduce -1.8% |
| MDYV SS SPDR S&P 400 MC Val ETF | 0.17% | 6,521 | $544K | Add +0.0% |
| BND Vanguard Total Bond Market | 0.17% | 7,294 | $542K | Reduce -7.5% |
| COST Costco Wholesale Corp. | 0.17% | 583 | $540K | Reduce -18.1% |
| AMZN Amazon.com Inc. | 0.17% | 2,457 | $539K | Add +2.1% |
| SCHE Schwab Emrg Mrkts Eqty ETF | 0.16% | 15,650 | $522K | Reduce -3.4% |
| PFS Provident Financial Services | 0.16% | 26,039 | $502K | Reduce -1.9% |
| PEP Pepsico Inc. | 0.14% | 3,172 | $445K | Add +0.1% |
| PG The Procter & Gamble Co. | 0.14% | 2,872 | $441K | No change |
| GOOG Alphabet Inc. Class C | 0.14% | 1,780 | $434K | Reduce -5.3% |
| EMB iShares JP Morgan Usd Emergi | 0.13% | 4,168 | $397K | Add +0.3% |
| DE Deere & Co. | 0.12% | 837 | $383K | Reduce -0.6% |
| GD General Dynamics Corp. | 0.12% | 1,116 | $380K | Add +0.5% |
| DFIS Dimensional International SM | 0.12% | 11,562 | $366K | Reduce -1.0% |
| VWO Vanguard Ftse Emerging Marke | 0.11% | 6,482 | $351K | Add +3.5% |
| QUAL iShares MSCI USA Quality Fac | 0.11% | 1,790 | $348K | Reduce -1.5% |
| HD Home Depot Inc. | 0.11% | 855 | $346K | Add +0.2% |
| NVDA Nvidia Corp. | 0.11% | 1,839 | $343K | Reduce -4.7% |
| CVX Chevron Corp. | 0.10% | 2,128 | $330K | Add +0.1% |
| TSLA Tesla Inc. | 0.10% | 738 | $328K | No change |
| CSRE C&S Real Estate Active ETF | 0.10% | 11,957 | $311K | New |
| UAUG Innovator U.S. Equity Ultra | 0.10% | 7,913 | $311K | Reduce -2.3% |
| ABBV Abbvie Inc. | 0.10% | 1,322 | $306K | Reduce -2.2% |
| CARR Carrier Global Corp. | 0.09% | 5,027 | $300K | No change |
| LOW Lowe's Cos Inc. | 0.09% | 1,174 | $295K | No change |
| XBAP Innovator US Eqy Accel 9 Buf | 0.09% | 7,745 | $293K | No change |
| MCD McDonald's Corp. | 0.09% | 964 | $293K | Reduce -3.6% |
| VTI VG Morningstar TS MKT ETF-US | 0.09% | 860 | $282K | Add +23.9% |
| GE General Electric filed as GE AEROSPACE | 0.09% | 930 | $280K | No change |
| ORCL Oracle Corp. | 0.09% | 994 | $280K | Reduce -28.3% |
| VZ Verizon Communications Inc. | 0.09% | 6,340 | $279K | No change |
| PEG Public Service Enterprise GP | 0.09% | 3,331 | $278K | No change |
| DIVS Guinness Atkinson DVD BL-Usd | 0.09% | 8,876 | $276K | No change |
| DVY iShares Select Dividend ETF | 0.09% | 1,922 | $273K | No change |
Portfolio Sells Q2 2025 → Q3 2025
| EFG iShares MSCI Eafe Growth ETF | Reduce -2.5% | 1.46% | −0.10 |
| RCL Royal Caribbean Cruises Ltd. | Sold out | 0.00% | −0.09 |
| IVW iShares S&P 500 Growth ETF | Reduce -4.8% | 5.64% | −0.08 |
| LRCX Lam Research Corp. | Sold out | 0.00% | −0.07 |
| DFEV Dimensional Emrg MRKT Val | Reduce -4.1% | 1.79% | −0.07 |
| FNDC Schwab Fndmnt Intl SM Eq ETF | Reduce -7.6% | 0.81% | −0.07 |
| VNQ Vanguard Real Estate ETF | Reduce -4.0% | 0.89% | −0.07 |
| TIP iShares Tips Bond ETF | Reduce -7.5% | 0.51% | −0.07 |
| COST Costco Wholesale Corp. | Reduce -18.1% | 0.17% | −0.07 |
| RTX RTX Corp. | Reduce -58.6% | 0.28% | −0.06 |
| IDV iShares International Select | Reduce -5.5% | 0.95% | −0.06 |
| VOT Vngrd Mrngstr MC GRW ETF-Usd | Reduce -2.7% | 0.99% | −0.05 |
| MUB iShares National Muni Bond E | Reduce -4.5% | 0.55% | −0.05 |
| DFLV Dim US Large Cap Value ETF | Reduce -14.4% | 0.28% | −0.05 |
| CPSY Calamos S&P 500 Sap ETF Jan | Reduce -37.2% | 0.07% | −0.04 |
| FNDX Schwab Fndmntl US LRG Co. ETF | Reduce -2.3% | 3.52% | −0.04 |
| MSFT Microsoft Corp. | Reduce -5.1% | 0.56% | −0.04 |
| SCZ iShares MSCI Eafe Small-Cap | Reduce -6.6% | 0.44% | −0.03 |
| IBM Intl Business Machines Corp. | Reduce -2.7% | 0.21% | −0.03 |
| VEA Vanguard Ftse Developed ETF | Reduce -3.9% | 0.57% | −0.03 |
| JNJ Johnson & Johnson | Reduce -16.1% | 0.60% | −0.02 |
| META Meta Platforms Inc. Class A | Reduce -3.2% | 0.24% | −0.02 |
| BND Vanguard Total Bond Market | Reduce -7.5% | 0.17% | −0.02 |
| DE Deere & Co. | Reduce -0.6% | 0.12% | −0.02 |
| DGS Wisdomtree Em Small Cap | Reduce -0.6% | 0.72% | −0.02 |
| IJH iShares Core S&P Midcap ETF | Reduce -0.5% | 1.46% | −0.02 |
| ORCL Oracle Corp. | Reduce -28.3% | 0.09% | −0.01 |
| SPY SS SPDR S&P 500 ETF Trust-US | Reduce -4.1% | 0.53% | −0.01 |
| PRF Invesco Rafi US 1000 ETF | Reduce -3.6% | 0.47% | −0.01 |
| IVE iShares S&P 500 Value ETF | Reduce -0.6% | 1.51% | −0.01 |
| PJAN Innovator U.S. Equity Power | Reduce -3.1% | 0.23% | −0.01 |
| VIG Vanguard Dividend Apprec ETF | Reduce -4.9% | 0.20% | −0.01 |
| VBR Vngrd Mrngst SL-CP Val ETF-U | Reduce -2.5% | 0.75% | −0.01 |
| MCD McDonald's Corp. | Reduce -3.6% | 0.09% | −0.01 |
| VO Vngrd Mrngstr MD-Cap ETF-Usd | Reduce -1.8% | 0.17% | −0.00 |
| RSP Invesco S&P 500 Equal Weight | Reduce -0.9% | 0.19% | −0.00 |
| UAUG Innovator U.S. Equity Ultra | Reduce -2.3% | 0.10% | −0.00 |
| QUAL iShares MSCI USA Quality Fac | Reduce -1.5% | 0.11% | −0.00 |
| DFIS Dimensional International SM | Reduce -1.0% | 0.12% | −0.00 |
| VUG Vanguard Mrngstar GR ETF-Sui | Reduce -3.4% | 0.26% | −0.00 |
| VBK Van Morst SML-Cap Gro-Usd Inc. | Reduce -1.4% | 0.77% | +0.00 |
| BDX Becton Dickinson and Co. | Reduce -1.8% | 0.08% | +0.00 |
| SCHE Schwab Emrg Mrkts Eqty ETF | Reduce -3.4% | 0.16% | +0.00 |
| PRFZ Inv Rafi US 1500 SM-Usd Inc. | Reduce -4.4% | 0.19% | +0.00 |
| JPM JPMorgan Chase & Co. | Reduce -1.6% | 0.20% | +0.00 |
| PFS Provident Financial Services | Reduce -1.9% | 0.16% | +0.00 |
| DFUS Dimensional US Eq MKT ETF | Reduce -0.5% | 0.24% | +0.00 |
| NVDA Nvidia Corp. | Reduce -4.7% | 0.11% | +0.01 |
| DFIV Dimensional International Va | Reduce -1.5% | 4.61% | +0.01 |
| IJR iShares Core S&P Small-Cap E | Reduce -0.7% | 0.42% | +0.01 |
Portfolio Buys Q2 2025 → Q3 2025
| QQQ Invesco QQQ Trust Series 1 | Add +5.3% | 1.36% | +0.10 |
| VCSH Vanguard S/T Corp. Bond ETF | Add +16.7% | 1.05% | +0.10 |
| CSRE C&S Real Estate Active ETF | New | 0.10% | +0.10 |
| DFSV Dimensional US Small Cap Val | Add +0.9% | 2.81% | +0.08 |
| EPD Enterprise Products Partners | New | 0.07% | +0.07 |
| VYM Vanguard High DVD Yield ETF | Add +2.1% | 3.41% | +0.06 |
| IVV iShares Core S&P 500 ETF | Add +0.2% | 2.66% | +0.05 |
| IJT iShares S&P Small-Cap 600 GR | Add +0.3% | 5.54% | +0.04 |
| IJK iShares S&P Mid-Cap 400 Grow | Add +1.1% | 5.45% | +0.03 |
| BSV Vanguard Short-Term Bond ETF | Add +7.8% | 1.26% | +0.02 |
| VTI VG Morningstar TS MKT ETF-US | Add +23.9% | 0.09% | +0.02 |
| VOE Vngrd Mrngstr MD-Cap Val ETF | Add +1.1% | 1.13% | +0.01 |
| GD General Dynamics Corp. | Add +0.5% | 0.12% | +0.01 |
| VWO Vanguard Ftse Emerging Marke | Add +3.5% | 0.11% | +0.01 |
| HD Home Depot Inc. | Add +0.2% | 0.11% | +0.00 |
| BNDX Vanguard Total Intl Bond ETF | Add +6.8% | 0.74% | +0.00 |
| IJJ iShares S&P Mid-Cap 400 Valu | Add +1.0% | 6.05% | +0.00 |
| CVX Chevron Corp. | Add +0.1% | 0.10% | +0.00 |
| XBJA Innovator US Eq Ac 9 Buff-J | Add +2.1% | 2.64% | +0.00 |
| SCHB Schwab US Broad Market ETF | Add +0.3% | 0.08% | +0.00 |
| DFIP Dimensional Inflation-Protec | Add +5.0% | 1.85% | +0.00 |
| PEP Pepsico Inc. | Add +0.1% | 0.14% | +0.00 |
| MDYG SS SPDR S&P 400 MC GR ETF | Add +0.0% | 0.08% | −0.00 |
| VONV Vanguard Russell 1000 Value | Add +0.4% | 0.08% | −0.00 |
| VTIP Vanguard Short-Term Tips | Add +5.1% | 0.74% | −0.00 |
| O Realty Income Corp. | Add +0.1% | 0.25% | −0.00 |
| MDYV SS SPDR S&P 400 MC Val ETF | Add +0.0% | 0.17% | −0.00 |
| IDHQ Invesco S&P International DE | Add +1.7% | 0.09% | −0.00 |
| EMB iShares JP Morgan Usd Emergi | Add +0.3% | 0.13% | −0.00 |
| XOM Exxon Mobil Corp. | Add +0.2% | 0.46% | −0.01 |
| AMZN Amazon.com Inc. | Add +2.1% | 0.17% | −0.01 |
| PRU Prudential Financial Inc. | Add +0.1% | 0.07% | −0.01 |
| IHI iShares U.S. Medical Devices | Add +0.1% | 0.07% | −0.01 |
| VTEB Vanguard Tax-Exempt Bond ETF | Add +2.7% | 1.02% | −0.01 |
| DFAR Dimensional US Real Est ETF | Add +0.3% | 0.35% | −0.01 |
| VTES Vanguard SH Term Tax-Ex Bond | Add +2.8% | 0.97% | −0.02 |
| BIV Vanguard Intermediate-Term B | Add +4.1% | 2.70% | −0.02 |
| DFGR Dim Global Real Estate ETF | Add +2.0% | 1.78% | −0.04 |
| GOVT iShares US Treasury Bond ETF | Add +1.7% | 1.33% | −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 |