Sterling Financial Planning, Inc.
In its 13F for Q4 2025 (holdings as of December 31, 2025, filed January 27, 2026), Sterling Financial Planning, Inc. reported 120 stock positions worth $331.8 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, 6.1%) and iShares S&P Small-Cap 600 GR (IJT, 5.5%). Compared with Q3 2025, it opened 5 new positions, sold out of 1, added to 51 and reduced 43. The biggest buy was Vanguard Intermediate-Term B (BIV, shares +18%) and the biggest sale iShares S&P 500 Growth ETF (IVW, shares −2%).
- Most Recent 13F
- Q2 2026
- Location
- SPARTA, NJ
- CIK
- 0001844278
- Portfolio Value
- $331.8M (Q4 2025)
- SEC Filing
- 0001844278-26-000001 ↗ filed Jan 27, 2026
Holdings Value
Holdings 120 stocks · $331.8M
| IAU iShares Gold Trust | 6.31% | 257,929 | $20.9M | Reduce -5.6% |
| IJJ iShares S&P Mid-Cap 400 Valu | 6.07% | 152,975 | $20.1M | Add +3.5% |
| IJT iShares S&P Small-Cap 600 GR | 5.48% | 128,848 | $18.2M | Add +3.8% |
| IVW iShares S&P 500 Growth ETF | 5.42% | 145,862 | $18.0M | Reduce -1.5% |
| IJK iShares S&P Mid-Cap 400 Grow | 5.37% | 183,811 | $17.8M | Add +2.0% |
| DFIV Dimensional International Va | 4.80% | 318,899 | $15.9M | Add +0.7% |
| FNDX Schwab Fndmntl US LRG Co. ETF | 3.55% | 432,500 | $11.8M | Add +2.0% |
| VYM Vanguard High DVD Yield ETF | 3.42% | 79,046 | $11.3M | Add +3.0% |
| DISV Dimensional International SM | 3.40% | 296,858 | $11.3M | Add +0.7% |
| BIV Vanguard Intermediate-Term B | 3.04% | 129,501 | $10.1M | Add +18.2% |
| DFSV Dimensional US Small Cap Val | 2.84% | 286,687 | $9.4M | Add +2.3% |
| IJS iShares S&P Small-Cap 600 Va | 2.71% | 79,066 | $9.0M | Reduce -0.2% |
| XBJA Innovator US Eq Ac 9 Buff-J | 2.65% | 274,850 | $8.8M | Add +2.8% |
| IVV iShares Core S&P 500 ETF | 2.58% | 12,501 | $8.6M | Reduce -0.9% |
| DFIP Dimensional Inflation-Protec | 1.94% | 154,691 | $6.4M | Add +11.2% |
| DFEV Dimensional Emrg MRKT Val | 1.83% | 179,951 | $6.1M | Add +1.1% |
| DFGR Dim Global Real Estate ETF | 1.75% | 219,379 | $5.8M | Add +6.2% |
| IVE iShares S&P 500 Value ETF | 1.47% | 22,961 | $4.9M | Reduce -0.8% |
| IJH iShares Core S&P Midcap ETF | 1.41% | 70,811 | $4.7M | Reduce -0.5% |
| EFG iShares MSCI Eafe Growth ETF | 1.40% | 40,778 | $4.6M | Add +0.2% |
| GLD SPDR Gold Shares | 1.40% | 11,718 | $4.6M | Reduce -5.6% |
| GOVT iShares US Treasury Bond ETF | 1.31% | 188,307 | $4.3M | Add +3.5% |
| QQQ Invesco QQQ Trust Series 1 | 1.30% | 7,032 | $4.3M | Reduce -2.4% |
| AAPL Apple Inc. | 1.30% | 15,848 | $4.3M | Add +1.7% |
| BSV Vanguard Short-Term Bond ETF | 1.25% | 52,664 | $4.2M | Add +3.7% |
| VTEB Vanguard Tax-Exempt Bond ETF | 1.12% | 74,097 | $3.7M | Add +14.7% |
| VCSH Vanguard S/T Corp. Bond ETF | 1.12% | 46,528 | $3.7M | Add +11.3% |
| VOE Vngrd Mrngstr MD-Cap Val ETF | 1.11% | 20,744 | $3.7M | Add +0.9% |
| VTES Vanguard SH Term Tax-Ex Bond | 0.97% | 31,810 | $3.2M | Add +5.5% |
| IDV iShares International Select | 0.96% | 80,816 | $3.2M | Reduce -2.1% |
| VOT Vngrd Mrngstr MC GRW ETF-Usd | 0.95% | 11,295 | $3.2M | Add +5.3% |
| VNQ Vanguard Real Estate ETF | 0.84% | 31,331 | $2.8M | Add +1.1% |
| FNDC Schwab Fndmnt Intl SM Eq ETF | 0.77% | 57,428 | $2.6M | Reduce -0.6% |
| VTIP Vanguard Short-Term Tips | 0.76% | 50,818 | $2.5M | Add +9.9% |
| BNDX Vanguard Total Intl Bond ETF | 0.76% | 51,946 | $2.5M | Add +10.0% |
| VBK Van Morst SML-Cap Gro-Usd Inc. | 0.75% | 8,259 | $2.5M | Add +1.2% |
| VBR Vngrd Mrngst SL-CP Val ETF-U | 0.73% | 11,462 | $2.4M | Reduce -0.0% |
| DGS Wisdomtree Em Small Cap | 0.69% | 39,885 | $2.3M | Add +0.0% |
| JNJ Johnson & Johnson | 0.64% | 10,268 | $2.1M | Reduce -0.5% |
| VEA Vanguard Ftse Developed ETF | 0.56% | 29,562 | $1.8M | Reduce -1.5% |
| SPY SS SPDR S&P 500 ETF Trust-US | 0.54% | 2,629 | $1.8M | Add +4.6% |
| MUB iShares National Muni Bond E | 0.53% | 16,354 | $1.8M | Reduce -0.9% |
| MSFT Microsoft Corp. | 0.50% | 3,400 | $1.6M | Reduce -0.4% |
| TIP iShares Tips Bond ETF | 0.49% | 14,867 | $1.6M | Add +3.2% |
| XOM Exxon Mobil Corp. | 0.47% | 13,010 | $1.6M | Reduce -0.5% |
| PRF Invesco Rafi US 1000 ETF | 0.43% | 30,472 | $1.4M | Reduce -6.6% |
| SCZ iShares MSCI Eafe Small-Cap | 0.41% | 17,663 | $1.4M | Reduce -2.6% |
| IJR iShares Core S&P Small-Cap E | 0.41% | 11,232 | $1.3M | Reduce -0.5% |
| BRK.B Berkshire Hathaway Inc. Class B | 0.35% | 2,282 | $1.1M | No change |
| DFAR Dimensional US Real Est ETF | 0.33% | 47,726 | $1.1M | Add +2.6% |
| RTX RTX Corp. | 0.29% | 5,242 | $961K | No change |
| SIGI Selective Insurance Group | 0.29% | 11,418 | $955K | No change |
| DFLV Dim US Large Cap Value ETF | 0.28% | 27,119 | $928K | Add +1.1% |
| VUG Vanguard Mrngstar GR ETF-Sui | 0.26% | 1,738 | $848K | Add +0.3% |
| GOOGL Alphabet Inc. Class A | 0.26% | 2,707 | $847K | Reduce -1.6% |
| LLY Eli Lilly & Co. | 0.25% | 777 | $835K | Reduce -0.9% |
| DFUS Dimensional US Eq MKT ETF | 0.23% | 10,409 | $772K | Reduce -2.2% |
| O Realty Income Corp. | 0.22% | 12,809 | $722K | Add +0.1% |
| PJAN Innovator U.S. Equity Power | 0.21% | 14,932 | $702K | Reduce -5.2% |
| MMM 3M Co. | 0.21% | 4,368 | $699K | Add +0.0% |
| META Meta Platforms Inc. Class A | 0.20% | 1,008 | $666K | Reduce -1.0% |
| JPM JPMorgan Chase & Co. | 0.19% | 1,986 | $640K | No change |
| VIG Vanguard Dividend Apprec ETF | 0.19% | 2,886 | $634K | Reduce -2.6% |
| AMZN Amazon.com Inc. | 0.18% | 2,627 | $606K | Add +6.9% |
| PRFZ Inv Rafi US 1500 SM-Usd Inc. | 0.18% | 13,106 | $601K | Reduce -1.5% |
| RSP Invesco S&P 500 Equal Weight | 0.18% | 3,086 | $591K | Reduce -0.4% |
| BND Vanguard Total Bond Market | 0.18% | 7,869 | $583K | Add +7.9% |
| GOOG Alphabet Inc. Class C | 0.17% | 1,780 | $559K | No change |
| MDYV SS SPDR S&P 400 MC Val ETF | 0.17% | 6,511 | $551K | Reduce -0.1% |
| VO Vngrd Mrngstr MD-Cap ETF-Usd | 0.16% | 1,872 | $543K | No change |
| SCHE Schwab Emrg Mrkts Eqty ETF | 0.15% | 15,235 | $499K | Reduce -2.6% |
| PFS Provident Financial Services | 0.15% | 25,139 | $496K | Reduce -3.5% |
| IBM Intl Business Machines Corp. filed as INTERNATIONAL BUSINESS MACHS | 0.15% | 1,667 | $494K | Reduce -31.0% |
| PEP Pepsico Inc. | 0.14% | 3,172 | $455K | No change |
| COST Costco Wholesale Corp. | 0.14% | 526 | $454K | Reduce -9.8% |
| CPSY Calamos S&P 500 Sap ETF Jan | 0.13% | 17,271 | $433K | Add +104.5% |
| PG The Procter & Gamble Co. | 0.12% | 2,872 | $412K | No change |
| DE Deere & Co. | 0.12% | 878 | $409K | Add +4.9% |
| DFIS Dimensional International SM | 0.12% | 11,583 | $382K | Add +0.2% |
| CSRE C&S Real Estate Active ETF | 0.11% | 14,857 | $379K | Add +24.3% |
| GD General Dynamics Corp. | 0.11% | 1,120 | $377K | Add +0.4% |
| EMB iShares JP Morgan Usd Emergi | 0.11% | 3,805 | $366K | Reduce -8.7% |
| NVDA Nvidia Corp. | 0.11% | 1,903 | $355K | Add +3.5% |
| VWO Vanguard Ftse Emerging Marke | 0.11% | 6,558 | $353K | Add +1.2% |
| TSLA Tesla Inc. | 0.10% | 733 | $330K | Reduce -0.7% |
| CVX Chevron Corp. | 0.10% | 2,129 | $324K | Add +0.1% |
| MRK Merck & Co. Inc. | 0.10% | 3,014 | $317K | No change |
| QUAL iShares MSCI USA Quality Fac | 0.09% | 1,582 | $314K | Reduce -11.6% |
| UAUG Innovator U.S. Equity Ultra | 0.09% | 7,735 | $309K | Reduce -2.3% |
| XBAP Innovator US Eqy Accel 9 Buf | 0.09% | 7,732 | $299K | Reduce -0.2% |
| HD Home Depot Inc. | 0.09% | 857 | $295K | Add +0.2% |
| ABBV Abbvie Inc. | 0.09% | 1,289 | $295K | Reduce -2.5% |
| MCD McDonald's Corp. | 0.09% | 945 | $289K | Reduce -2.0% |
| VTI VG Morningstar TS MKT ETF-US | 0.09% | 861 | $289K | Add +0.1% |
| IDHQ Invesco S&P International DE | 0.09% | 8,188 | $288K | Add +1.6% |
| GE General Electric filed as GE AEROSPACE | 0.09% | 925 | $285K | Reduce -0.5% |
| LOW Lowe's Cos Inc. | 0.08% | 1,164 | $281K | Reduce -0.8% |
| DIVS Guinness Atkinson DVD BL-Usd | 0.08% | 8,876 | $274K | No change |
| DVY iShares Select Dividend ETF | 0.08% | 1,922 | $271K | No change |
| PEG Public Service Enterprise GP | 0.08% | 3,331 | $267K | No change |
Portfolio Sells Q3 2025 → Q4 2025
| IVW iShares S&P 500 Growth ETF | Reduce -1.5% | 5.42% | −0.22 |
| ORCL Oracle Corp. | Sold out | 0.00% | −0.09 |
| IVV iShares Core S&P 500 ETF | Reduce -0.9% | 2.58% | −0.08 |
| IBM Intl Business Machines Corp. | Reduce -31.0% | 0.15% | −0.07 |
| QQQ Invesco QQQ Trust Series 1 | Reduce -2.4% | 1.30% | −0.06 |
| MSFT Microsoft Corp. | Reduce -0.4% | 0.50% | −0.06 |
| IJH iShares Core S&P Midcap ETF | Reduce -0.5% | 1.41% | −0.06 |
| IJS iShares S&P Small-Cap 600 Va | Reduce -0.2% | 2.71% | −0.05 |
| FNDC Schwab Fndmnt Intl SM Eq ETF | Reduce -0.6% | 0.77% | −0.04 |
| IVE iShares S&P 500 Value ETF | Reduce -0.8% | 1.47% | −0.04 |
| META Meta Platforms Inc. Class A | Reduce -1.0% | 0.20% | −0.04 |
| PRF Invesco Rafi US 1000 ETF | Reduce -6.6% | 0.43% | −0.03 |
| COST Costco Wholesale Corp. | Reduce -9.8% | 0.14% | −0.03 |
| MUB iShares National Muni Bond E | Reduce -0.9% | 0.53% | −0.03 |
| SCZ iShares MSCI Eafe Small-Cap | Reduce -2.6% | 0.41% | −0.03 |
| VBR Vngrd Mrngst SL-CP Val ETF-U | Reduce -0.0% | 0.73% | −0.02 |
| IJR iShares Core S&P Small-Cap E | Reduce -0.5% | 0.41% | −0.02 |
| PJAN Innovator U.S. Equity Power | Reduce -5.2% | 0.21% | −0.02 |
| QUAL iShares MSCI USA Quality Fac | Reduce -11.6% | 0.09% | −0.02 |
| EMB iShares JP Morgan Usd Emergi | Reduce -8.7% | 0.11% | −0.01 |
| SCHE Schwab Emrg Mrkts Eqty ETF | Reduce -2.6% | 0.15% | −0.01 |
| BDX Becton Dickinson and Co. | Reduce -17.1% | 0.07% | −0.01 |
| VEA Vanguard Ftse Developed ETF | Reduce -1.5% | 0.56% | −0.01 |
| DFUS Dimensional US Eq MKT ETF | Reduce -2.2% | 0.23% | −0.01 |
| VIG Vanguard Dividend Apprec ETF | Reduce -2.6% | 0.19% | −0.01 |
| PRFZ Inv Rafi US 1500 SM-Usd Inc. | Reduce -1.5% | 0.18% | −0.01 |
| PFS Provident Financial Services | Reduce -3.5% | 0.15% | −0.01 |
| LOW Lowe's Cos Inc. | Reduce -0.8% | 0.08% | −0.01 |
| ABBV Abbvie Inc. | Reduce -2.5% | 0.09% | −0.01 |
| RSP Invesco S&P 500 Equal Weight | Reduce -0.4% | 0.18% | −0.01 |
| MDYV SS SPDR S&P 400 MC Val ETF | Reduce -0.1% | 0.17% | −0.01 |
| MCD McDonald's Corp. | Reduce -2.0% | 0.09% | −0.01 |
| UAUG Innovator U.S. Equity Ultra | Reduce -2.3% | 0.09% | −0.01 |
| TSLA Tesla Inc. | Reduce -0.7% | 0.10% | −0.00 |
| PRU Prudential Financial Inc. | Reduce -7.9% | 0.06% | −0.00 |
| XBAP Innovator US Eqy Accel 9 Buf | Reduce -0.2% | 0.09% | −0.00 |
| GE General Electric | Reduce -0.5% | 0.09% | −0.00 |
| XOM Exxon Mobil Corp. | Reduce -0.5% | 0.47% | +0.01 |
| GLD SPDR Gold Shares | Reduce -5.6% | 1.40% | +0.01 |
| IDV iShares International Select | Reduce -2.1% | 0.96% | +0.01 |
| IAU iShares Gold Trust | Reduce -5.6% | 6.31% | +0.04 |
| JNJ Johnson & Johnson | Reduce -0.5% | 0.64% | +0.04 |
| GOOGL Alphabet Inc. Class A | Reduce -1.6% | 0.26% | +0.04 |
| LLY Eli Lilly & Co. | Reduce -0.9% | 0.25% | +0.06 |
Portfolio Buys Q3 2025 → Q4 2025
| BIV Vanguard Intermediate-Term B | Add +18.2% | 3.04% | +0.34 |
| DFIV Dimensional International Va | Add +0.7% | 4.80% | +0.19 |
| VTEB Vanguard Tax-Exempt Bond ETF | Add +14.7% | 1.12% | +0.10 |
| DFIP Dimensional Inflation-Protec | Add +11.2% | 1.94% | +0.08 |
| DISV Dimensional International SM | Add +0.7% | 3.40% | +0.08 |
| LRCX Lam Research Corp. | New | 0.07% | +0.07 |
| CPSY Calamos S&P 500 Sap ETF Jan | Add +104.5% | 0.13% | +0.06 |
| VCSH Vanguard S/T Corp. Bond ETF | Add +11.3% | 1.12% | +0.06 |
| CAT Caterpillar Inc. | New | 0.06% | +0.06 |
| VOO Vanguard S&P 500 ETF | New | 0.06% | +0.06 |
| RCL Royal Caribbean Cruises Ltd. | New | 0.06% | +0.06 |
| CSCO Cisco Systems Inc. | New | 0.06% | +0.06 |
| AAPL Apple Inc. | Add +1.7% | 1.30% | +0.05 |
| DFEV Dimensional Emrg MRKT Val | Add +1.1% | 1.83% | +0.04 |
| FNDX Schwab Fndmntl US LRG Co. ETF | Add +2.0% | 3.55% | +0.03 |
| DFSV Dimensional US Small Cap Val | Add +2.3% | 2.84% | +0.03 |
| BNDX Vanguard Total Intl Bond ETF | Add +10.0% | 0.76% | +0.02 |
| VTIP Vanguard Short-Term Tips | Add +9.9% | 0.76% | +0.02 |
| IJJ iShares S&P Mid-Cap 400 Valu | Add +3.5% | 6.07% | +0.02 |
| CSRE C&S Real Estate Active ETF | Add +24.3% | 0.11% | +0.02 |
| AMZN Amazon.com Inc. | Add +6.9% | 0.18% | +0.01 |
| SPY SS SPDR S&P 500 ETF Trust-US | Add +4.6% | 0.54% | +0.01 |
| XBJA Innovator US Eq Ac 9 Buff-J | Add +2.8% | 2.65% | +0.01 |
| VYM Vanguard High DVD Yield ETF | Add +3.0% | 3.42% | +0.01 |
| VTES Vanguard SH Term Tax-Ex Bond | Add +5.5% | 0.97% | +0.01 |
| BND Vanguard Total Bond Market | Add +7.9% | 0.18% | +0.00 |
| DE Deere & Co. | Add +4.9% | 0.12% | +0.00 |
| DFLV Dim US Large Cap Value ETF | Add +1.1% | 0.28% | +0.00 |
| IDHQ Invesco S&P International DE | Add +1.6% | 0.09% | +0.00 |
| DFIS Dimensional International SM | Add +0.2% | 0.12% | −0.00 |
| VONV Vanguard Russell 1000 Value | Add +0.5% | 0.08% | −0.00 |
| IHI iShares U.S. Medical Devices | Add +0.1% | 0.07% | −0.00 |
| EPD Enterprise Products Partners | Add +0.8% | 0.07% | −0.00 |
| NVDA Nvidia Corp. | Add +3.5% | 0.11% | −0.00 |
| SCHB Schwab US Broad Market ETF | Add +0.3% | 0.08% | −0.00 |
| VTI VG Morningstar TS MKT ETF-US | Add +0.1% | 0.09% | −0.00 |
| MMM 3M Co. | Add +0.0% | 0.21% | −0.00 |
| VWO Vanguard Ftse Emerging Marke | Add +1.2% | 0.11% | −0.00 |
| VUG Vanguard Mrngstar GR ETF-Sui | Add +0.3% | 0.26% | −0.01 |
| CVX Chevron Corp. | Add +0.1% | 0.10% | −0.01 |
| GD General Dynamics Corp. | Add +0.4% | 0.11% | −0.01 |
| BSV Vanguard Short-Term Bond ETF | Add +3.7% | 1.25% | −0.01 |
| TIP iShares Tips Bond ETF | Add +3.2% | 0.49% | −0.01 |
| VBK Van Morst SML-Cap Gro-Usd Inc. | Add +1.2% | 0.75% | −0.01 |
| GOVT iShares US Treasury Bond ETF | Add +3.5% | 1.31% | −0.02 |
| DFAR Dimensional US Real Est ETF | Add +2.6% | 0.33% | −0.02 |
| HD Home Depot Inc. | Add +0.2% | 0.09% | −0.02 |
| VOE Vngrd Mrngstr MD-Cap Val ETF | Add +0.9% | 1.11% | −0.02 |
| O Realty Income Corp. | Add +0.1% | 0.22% | −0.03 |
| DGS Wisdomtree Em Small Cap | Add +0.0% | 0.69% | −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 |