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

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 Q2 2025 Q3 2025: $317.1M $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 · $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
IDHQ Invesco S&P International DE 0.09% 8,060 $271K Add +1.7%
MRK Merck & Co. Inc. 0.08% 3,014 $253K No change
BDX Becton Dickinson and Co. 0.08% 1,347 $252K Reduce -1.8%
CPSJ Calamos S&P 500 Sap ETF July 0.08% 9,447 $251K No change
SCHB Schwab US Broad Market ETF 0.08% 9,669 $249K Add +0.3%
VONV Vanguard Russell 1000 Value 0.08% 2,762 $247K Add +0.4%
ES Eversource Energy 0.08% 3,452 $246K No change
MDYG SS SPDR S&P 400 MC GR ETF 0.08% 2,645 $242K Add +0.0%
EPD Enterprise Products Partners 0.07% 7,476 $234K New
OTIS Otis Worldwide Corp. 0.07% 2,513 $230K No change
IHI iShares U.S. Medical Devices 0.07% 3,628 $218K Add +0.1%
IWB iShares Russell 1000 ETF 0.07% 589 $215K No change
CPST Calamos S&P 500 Alt Sept 0.07% 8,018 $214K No change
CPSY Calamos S&P 500 Sap ETF Jan 0.07% 8,446 $208K Reduce -37.2%
PRU Prudential Financial Inc. 0.07% 1,989 $206K Add +0.1%
BDJ BlackRock Enhanced Eqty DVD 0.04% 13,831 $126K 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

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