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

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 Q3 2025 Q4 2025: $331.8M $331.8M Q4 2025 Q1 2026: $337.3M Q1 2026 Q2 2026: $367.7M Q2 2026

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
CARR Carrier Global Corp. 0.08% 5,027 $266K No change
VZ Verizon Communications Inc. 0.08% 6,340 $258K No change
VONV Vanguard Russell 1000 Value 0.08% 2,777 $256K Add +0.5%
SCHB Schwab US Broad Market ETF 0.08% 9,699 $254K Add +0.3%
CPSJ Calamos S&P 500 Sap ETF July 0.08% 9,447 $254K No change
LRCX Lam Research Corp. 0.07% 1,435 $246K New
MDYG SS SPDR S&P 400 MC GR ETF 0.07% 2,645 $244K No change
EPD Enterprise Products Partners 0.07% 7,537 $242K Add +0.8%
ES Eversource Energy 0.07% 3,452 $232K No change
IHI iShares U.S. Medical Devices 0.07% 3,630 $226K Add +0.1%
IWB iShares Russell 1000 ETF 0.07% 589 $220K No change
OTIS Otis Worldwide Corp. 0.07% 2,513 $220K No change
CPST Calamos S&P 500 Alt Sept 0.07% 8,018 $217K No change
BDX Becton Dickinson and Co. 0.07% 1,116 $217K Reduce -17.1%
VOO Vanguard S&P 500 ETF 0.06% 339 $213K New
CAT Caterpillar Inc. 0.06% 371 $213K New
RCL Royal Caribbean Cruises Ltd. 0.06% 750 $209K New
CSCO Cisco Systems Inc. 0.06% 2,705 $208K New
PRU Prudential Financial Inc. 0.06% 1,832 $207K Reduce -7.9%
BDJ BlackRock Enhanced Eqty DVD 0.04% 13,831 $131K 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

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