Sterling Financial Planning, Inc.
In its 13F for Q1 2026 (holdings as of March 31, 2026, filed May 6, 2026), Sterling Financial Planning, Inc. reported 117 stock positions worth $337.3 million. Its top holding was iShares Gold Trust (IAU) at 6.2% of the portfolio, followed by iShares S&P Mid-Cap 400 Valu (IJJ, 6.0%) and iShares S&P Small-Cap 600 GR (IJT, 5.6%). Compared with Q4 2025, it opened 3 new positions, sold out of 6, added to 43 and reduced 46. The biggest buy was Vanguard Intermediate-Term B (BIV, shares +11%) and the biggest sale iShares Core S&P 500 ETF (IVV, shares −1%).
- Most Recent 13F
- Q2 2026
- Location
- SPARTA, NJ
- CIK
- 0001844278
- Portfolio Value
- $337.3M (Q1 2026)
- SEC Filing
- 0001844278-26-000003 ↗ filed May 6, 2026
Holdings Value
Holdings 117 stocks · $337.3M
| IAU iShares Gold Trust | 6.15% | 235,289 | $20.7M | Reduce -8.8% |
| IJJ iShares S&P Mid-Cap 400 Valu | 6.05% | 153,885 | $20.4M | Add +0.6% |
| IJT iShares S&P Small-Cap 600 GR | 5.57% | 129,856 | $18.8M | Add +0.8% |
| IJK iShares S&P Mid-Cap 400 Grow | 5.53% | 185,467 | $18.7M | Add +0.9% |
| IVW iShares S&P 500 Growth ETF | 4.99% | 148,706 | $16.8M | Add +1.9% |
| DFIV Dimensional International Va | 4.82% | 308,128 | $16.3M | Reduce -3.4% |
| VYM Vanguard High DVD Yield ETF | 3.58% | 81,419 | $12.1M | Add +3.0% |
| FNDX Schwab Fndmntl US LRG Co. ETF | 3.50% | 424,251 | $11.8M | Reduce -1.9% |
| DISV Dimensional International SM | 3.47% | 296,369 | $11.7M | Reduce -0.2% |
| BIV Vanguard Intermediate-Term B | 3.28% | 143,377 | $11.1M | Add +10.7% |
| DFSV Dimensional US Small Cap Val | 3.01% | 289,877 | $10.2M | Add +1.1% |
| IJS iShares S&P Small-Cap 600 Va | 2.69% | 76,707 | $9.1M | Reduce -3.0% |
| XBJA Innovator US Eq Ac 9 Buff-J | 2.64% | 284,947 | $8.9M | Add +3.7% |
| IVV iShares Core S&P 500 ETF | 2.40% | 12,401 | $8.1M | Reduce -0.8% |
| DFIP Dimensional Inflation-Protec | 2.11% | 170,748 | $7.1M | Add +10.4% |
| DFEV Dimensional Emrg MRKT Val | 1.88% | 176,980 | $6.3M | Reduce -1.6% |
| DFGR Dim Global Real Estate ETF | 1.85% | 235,258 | $6.3M | Add +7.2% |
| IVE iShares S&P 500 Value ETF | 1.43% | 22,858 | $4.8M | Reduce -0.5% |
| IJH iShares Core S&P Midcap ETF | 1.38% | 68,967 | $4.7M | Reduce -2.6% |
| BSV Vanguard Short-Term Bond ETF | 1.36% | 58,630 | $4.6M | Add +11.3% |
| GLD SPDR Gold Shares | 1.36% | 10,661 | $4.6M | Reduce -9.0% |
| EFG iShares MSCI Eafe Growth ETF | 1.34% | 40,694 | $4.5M | Reduce -0.2% |
| VCSH Vanguard S/T Corp. Bond ETF | 1.31% | 55,601 | $4.4M | Add +19.5% |
| GOVT iShares US Treasury Bond ETF | 1.31% | 192,211 | $4.4M | Add +2.1% |
| QQQ Invesco QQQ Trust Series 1 | 1.19% | 6,969 | $4.0M | Reduce -0.9% |
| VOE Vngrd Mrngstr MD-Cap Val ETF | 1.19% | 21,791 | $4.0M | Add +5.0% |
| AAPL Apple Inc. | 1.18% | 15,675 | $4.0M | Reduce -1.1% |
| VTEB Vanguard Tax-Exempt Bond ETF | 1.15% | 77,439 | $3.9M | Add +4.5% |
| VTES Vanguard SH Term Tax-Ex Bond | 0.99% | 32,976 | $3.3M | Add +3.7% |
| IDV iShares International Select | 0.95% | 75,408 | $3.2M | Reduce -6.7% |
| VOT Vngrd Mrngstr MC GRW ETF-Usd | 0.86% | 11,302 | $2.9M | Add +0.1% |
| BNDX Vanguard Total Intl Bond ETF | 0.85% | 59,419 | $2.9M | Add +14.4% |
| VNQ Vanguard Real Estate ETF | 0.84% | 31,916 | $2.8M | Add +1.9% |
| VTIP Vanguard Short-Term Tips | 0.83% | 56,072 | $2.8M | Add +10.3% |
| VBK Van Morst SML-Cap Gro-Usd Inc. | 0.76% | 8,499 | $2.6M | Add +2.9% |
| FNDC Schwab Fndmnt Intl SM Eq ETF | 0.73% | 53,136 | $2.5M | Reduce -7.5% |
| DGS Wisdomtree Em Small Cap | 0.71% | 39,616 | $2.4M | Reduce -0.7% |
| JNJ Johnson & Johnson | 0.70% | 9,724 | $2.4M | Reduce -5.3% |
| VBR Vngrd Mrngst SL-CP Val ETF-U | 0.67% | 10,412 | $2.3M | Reduce -9.2% |
| XOM Exxon Mobil Corp. | 0.65% | 12,970 | $2.2M | Reduce -0.3% |
| VEA Vanguard Ftse Developed ETF | 0.55% | 28,844 | $1.8M | Reduce -2.4% |
| MUB iShares National Muni Bond E | 0.51% | 16,349 | $1.7M | Reduce -0.0% |
| SPY SS SPDR S&P 500 ETF Trust-US | 0.50% | 2,596 | $1.7M | Reduce -1.3% |
| TIP iShares Tips Bond ETF | 0.47% | 14,276 | $1.6M | Reduce -4.0% |
| PRF Invesco Rafi US 1000 ETF | 0.43% | 30,479 | $1.4M | Add +0.0% |
| IJR iShares Core S&P Small-Cap E | 0.41% | 11,126 | $1.4M | Reduce -0.9% |
| SCZ iShares MSCI Eafe Small-Cap | 0.39% | 16,559 | $1.3M | Reduce -6.3% |
| MSFT Microsoft Corp. | 0.36% | 3,275 | $1.2M | Reduce -3.7% |
| DFAR Dimensional US Real Est ETF | 0.35% | 50,188 | $1.2M | Add +5.2% |
| BRK.B Berkshire Hathaway Inc. Class B | 0.32% | 2,282 | $1.1M | No change |
| DFLV Dim US Large Cap Value ETF | 0.30% | 28,375 | $1.0M | Add +4.6% |
| RTX RTX Corp. | 0.30% | 5,242 | $1.0M | No change |
| SIGI Selective Insurance Group | 0.24% | 10,862 | $819K | Reduce -4.9% |
| O Realty Income Corp. | 0.23% | 12,824 | $785K | Add +0.1% |
| VUG Vanguard Mrngstar GR ETF-Sui | 0.23% | 1,777 | $776K | Add +2.2% |
| GOOGL Alphabet Inc. Class A | 0.23% | 2,657 | $764K | Reduce -1.9% |
| DFUS Dimensional US Eq MKT ETF | 0.22% | 10,421 | $739K | Add +0.1% |
| LLY Eli Lilly & Co. | 0.21% | 777 | $715K | No change |
| PJAN Innovator U.S. Equity Power | 0.20% | 14,962 | $690K | Add +0.2% |
| COST Costco Wholesale Corp. | 0.19% | 641 | $639K | Add +21.9% |
| MMM 3M Co. | 0.19% | 4,368 | $634K | No change |
| CPSY Calamos S&P 500 Sap ETF Jan | 0.19% | 24,970 | $625K | Add +44.6% |
| VIG Vanguard Dividend Apprec ETF | 0.18% | 2,886 | $621K | No change |
| META Meta Platforms Inc. Class A | 0.18% | 1,046 | $599K | Add +3.8% |
| RSP Invesco S&P 500 Equal Weight | 0.17% | 3,066 | $588K | Reduce -0.7% |
| JPM JPMorgan Chase & Co. | 0.17% | 1,986 | $584K | No change |
| AMZN Amazon.com Inc. | 0.17% | 2,683 | $559K | Add +2.1% |
| PRFZ Inv Rafi US 1500 SM-Usd Inc. | 0.16% | 12,122 | $556K | Reduce -7.5% |
| MDYV SS SPDR S&P 400 MC Val ETF | 0.16% | 6,494 | $553K | Reduce -0.3% |
| VO Vngrd Mrngstr MD-Cap ETF-Usd | 0.16% | 1,912 | $549K | Add +2.1% |
| GOOG Alphabet Inc. Class C | 0.15% | 1,726 | $495K | Reduce -3.0% |
| SCHE Schwab Emrg Mrkts Eqty ETF | 0.15% | 15,020 | $495K | Reduce -1.4% |
| PEP Pepsico Inc. | 0.15% | 3,176 | $493K | Add +0.1% |
| DE Deere & Co. | 0.14% | 862 | $486K | Reduce -1.8% |
| PFS Provident Financial Services | 0.14% | 21,689 | $459K | Reduce -13.7% |
| ABT Abbott Laboratories | 0.13% | 4,374 | $449K | New |
| CSRE C&S Real Estate Active ETF | 0.12% | 15,934 | $419K | Add +7.3% |
| CVX Chevron Corp. | 0.12% | 1,991 | $412K | Reduce -6.5% |
| PG The Procter & Gamble Co. | 0.12% | 2,810 | $406K | Reduce -2.2% |
| IBM Intl Business Machines Corp. filed as INTERNATIONAL BUSINESS MACHS | 0.12% | 1,667 | $404K | No change |
| GD General Dynamics Corp. | 0.11% | 1,124 | $386K | Add +0.4% |
| DFIS Dimensional International SM | 0.11% | 10,788 | $363K | Reduce -6.9% |
| MRK Merck & Co. Inc. | 0.11% | 3,014 | $363K | No change |
| EMB iShares JP Morgan Usd Emergi | 0.11% | 3,812 | $358K | Add +0.2% |
| VWO Vanguard Ftse Emerging Marke | 0.10% | 6,351 | $343K | Reduce -3.2% |
| NVDA Nvidia Corp. | 0.10% | 1,903 | $332K | No change |
| VZ Verizon Communications Inc. | 0.09% | 6,340 | $318K | No change |
| LRCX Lam Research Corp. | 0.09% | 1,435 | $307K | No change |
| UAUG Innovator U.S. Equity Ultra | 0.09% | 7,735 | $304K | No change |
| QUAL iShares MSCI USA Quality Fac | 0.09% | 1,583 | $304K | Add +0.1% |
| XBAP Innovator US Eqy Accel 9 Buf | 0.09% | 7,732 | $303K | No change |
| DVY iShares Select Dividend ETF | 0.09% | 1,922 | $291K | No change |
| EPD Enterprise Products Partners | 0.09% | 7,592 | $287K | Add +0.7% |
| CARR Carrier Global Corp. | 0.08% | 5,027 | $283K | No change |
| HD Home Depot Inc. | 0.08% | 860 | $283K | Add +0.3% |
| IDHQ Invesco S&P International DE | 0.08% | 7,932 | $281K | Reduce -3.1% |
| ABBV Abbvie Inc. | 0.08% | 1,289 | $280K | No change |
| VTI VG Morningstar TS MKT ETF-US | 0.08% | 872 | $280K | Add +1.3% |
| MCD McDonald's Corp. | 0.08% | 895 | $278K | Reduce -5.3% |
| LOW Lowe's Cos Inc. | 0.08% | 1,164 | $275K | No change |
Portfolio Sells Q4 2025 → Q1 2026
| IVV iShares Core S&P 500 ETF | Reduce -0.8% | 2.40% | −0.18 |
| IAU iShares Gold Trust | Reduce -8.8% | 6.15% | −0.16 |
| MSFT Microsoft Corp. | Reduce -3.7% | 0.36% | −0.14 |
| AAPL Apple Inc. | Reduce -1.1% | 1.18% | −0.12 |
| BND Vanguard Total Bond Market | Reduce -63.4% | 0.06% | −0.11 |
| QQQ Invesco QQQ Trust Series 1 | Reduce -0.9% | 1.19% | −0.11 |
| DIVS Guinness Atkinson DVD BL-Usd | Sold out | 0.00% | −0.08 |
| IHI iShares U.S. Medical Devices | Sold out | 0.00% | −0.07 |
| OTIS Otis Worldwide Corp. | Sold out | 0.00% | −0.07 |
| BDX Becton Dickinson and Co. | Sold out | 0.00% | −0.07 |
| RCL Royal Caribbean Cruises Ltd. | Sold out | 0.00% | −0.06 |
| PRU Prudential Financial Inc. | Sold out | 0.00% | −0.06 |
| VBR Vngrd Mrngst SL-CP Val ETF-U | Reduce -9.2% | 0.67% | −0.06 |
| EFG iShares MSCI Eafe Growth ETF | Reduce -0.2% | 1.34% | −0.06 |
| SIGI Selective Insurance Group | Reduce -4.9% | 0.24% | −0.05 |
| FNDX Schwab Fndmntl US LRG Co. ETF | Reduce -1.9% | 3.50% | −0.04 |
| FNDC Schwab Fndmnt Intl SM Eq ETF | Reduce -7.5% | 0.73% | −0.04 |
| SPY SS SPDR S&P 500 ETF Trust-US | Reduce -1.3% | 0.50% | −0.04 |
| GLD SPDR Gold Shares | Reduce -9.0% | 1.36% | −0.04 |
| IVE iShares S&P 500 Value ETF | Reduce -0.5% | 1.43% | −0.04 |
| GOOGL Alphabet Inc. Class A | Reduce -1.9% | 0.23% | −0.03 |
| SCZ iShares MSCI Eafe Small-Cap | Reduce -6.3% | 0.39% | −0.03 |
| IJH iShares Core S&P Midcap ETF | Reduce -2.6% | 1.38% | −0.03 |
| TIP iShares Tips Bond ETF | Reduce -4.0% | 0.47% | −0.03 |
| TSLA Tesla Inc. | Reduce -5.2% | 0.08% | −0.02 |
| GOOG Alphabet Inc. Class C | Reduce -3.0% | 0.15% | −0.02 |
| PRFZ Inv Rafi US 1500 SM-Usd Inc. | Reduce -7.5% | 0.16% | −0.02 |
| IJS iShares S&P Small-Cap 600 Va | Reduce -3.0% | 2.69% | −0.02 |
| PFS Provident Financial Services | Reduce -13.7% | 0.14% | −0.01 |
| MUB iShares National Muni Bond E | Reduce -0.0% | 0.51% | −0.01 |
| IDV iShares International Select | Reduce -6.7% | 0.95% | −0.01 |
| VEA Vanguard Ftse Developed ETF | Reduce -2.4% | 0.55% | −0.01 |
| DFIS Dimensional International SM | Reduce -6.9% | 0.11% | −0.01 |
| MCD McDonald's Corp. | Reduce -5.3% | 0.08% | −0.00 |
| VWO Vanguard Ftse Emerging Marke | Reduce -3.2% | 0.10% | −0.00 |
| VOO Vanguard S&P 500 ETF | Reduce -0.6% | 0.06% | −0.00 |
| RSP Invesco S&P 500 Equal Weight | Reduce -0.7% | 0.17% | −0.00 |
| PG The Procter & Gamble Co. | Reduce -2.2% | 0.12% | −0.00 |
| IDHQ Invesco S&P International DE | Reduce -3.1% | 0.08% | −0.00 |
| SCHE Schwab Emrg Mrkts Eqty ETF | Reduce -1.4% | 0.15% | −0.00 |
| MDYV SS SPDR S&P 400 MC Val ETF | Reduce -0.3% | 0.16% | −0.00 |
| MDYG SS SPDR S&P 400 MC GR ETF | Reduce -0.4% | 0.07% | +0.00 |
| IJR iShares Core S&P Small-Cap E | Reduce -0.9% | 0.41% | +0.00 |
| CAT Caterpillar Inc. | Reduce -5.4% | 0.07% | +0.01 |
| DGS Wisdomtree Em Small Cap | Reduce -0.7% | 0.71% | +0.02 |
| DE Deere & Co. | Reduce -1.8% | 0.14% | +0.02 |
| CVX Chevron Corp. | Reduce -6.5% | 0.12% | +0.02 |
| DFIV Dimensional International Va | Reduce -3.4% | 4.82% | +0.03 |
| DFEV Dimensional Emrg MRKT Val | Reduce -1.6% | 1.88% | +0.05 |
| JNJ Johnson & Johnson | Reduce -5.3% | 0.70% | +0.06 |
Portfolio Buys Q4 2025 → Q1 2026
| BIV Vanguard Intermediate-Term B | Add +10.7% | 3.28% | +0.24 |
| VCSH Vanguard S/T Corp. Bond ETF | Add +19.5% | 1.31% | +0.19 |
| DFIP Dimensional Inflation-Protec | Add +10.4% | 2.11% | +0.17 |
| DFSV Dimensional US Small Cap Val | Add +1.1% | 3.01% | +0.17 |
| IJK iShares S&P Mid-Cap 400 Grow | Add +0.9% | 5.53% | +0.17 |
| VYM Vanguard High DVD Yield ETF | Add +3.0% | 3.58% | +0.16 |
| ABT Abbott Laboratories | New | 0.13% | +0.13 |
| BSV Vanguard Short-Term Bond ETF | Add +11.3% | 1.36% | +0.11 |
| DFGR Dim Global Real Estate ETF | Add +7.2% | 1.85% | +0.11 |
| IJT iShares S&P Small-Cap 600 GR | Add +0.8% | 5.57% | +0.09 |
| BNDX Vanguard Total Intl Bond ETF | Add +14.4% | 0.85% | +0.09 |
| VOE Vngrd Mrngstr MD-Cap Val ETF | Add +5.0% | 1.19% | +0.08 |
| VTIP Vanguard Short-Term Tips | Add +10.3% | 0.83% | +0.07 |
| VDE Vanguard Energy ETF | New | 0.07% | +0.07 |
| UFEB Innovator U.S. Equity Ultra | New | 0.06% | +0.06 |
| CPSY Calamos S&P 500 Sap ETF Jan | Add +44.6% | 0.19% | +0.05 |
| COST Costco Wholesale Corp. | Add +21.9% | 0.19% | +0.05 |
| DFAR Dimensional US Real Est ETF | Add +5.2% | 0.35% | +0.02 |
| VTEB Vanguard Tax-Exempt Bond ETF | Add +4.5% | 1.15% | +0.02 |
| DFLV Dim US Large Cap Value ETF | Add +4.6% | 0.30% | +0.02 |
| VTES Vanguard SH Term Tax-Ex Bond | Add +3.7% | 0.99% | +0.02 |
| O Realty Income Corp. | Add +0.1% | 0.23% | +0.01 |
| EPD Enterprise Products Partners | Add +0.7% | 0.09% | +0.01 |
| CSRE C&S Real Estate Active ETF | Add +7.3% | 0.12% | +0.01 |
| VBK Van Morst SML-Cap Gro-Usd Inc. | Add +2.9% | 0.76% | +0.01 |
| PEP Pepsico Inc. | Add +0.1% | 0.15% | +0.01 |
| VNQ Vanguard Real Estate ETF | Add +1.9% | 0.84% | +0.00 |
| GD General Dynamics Corp. | Add +0.4% | 0.11% | +0.00 |
| VONV Vanguard Russell 1000 Value | Add +0.4% | 0.08% | +0.00 |
| GOVT iShares US Treasury Bond ETF | Add +2.1% | 1.31% | −0.00 |
| VO Vngrd Mrngstr MD-Cap ETF-Usd | Add +2.1% | 0.16% | −0.00 |
| PRF Invesco Rafi US 1000 ETF | Add +0.0% | 0.43% | −0.00 |
| VTI VG Morningstar TS MKT ETF-US | Add +1.3% | 0.08% | −0.00 |
| EMB iShares JP Morgan Usd Emergi | Add +0.2% | 0.11% | −0.00 |
| SCHB Schwab US Broad Market ETF | Add +0.3% | 0.07% | −0.00 |
| QUAL iShares MSCI USA Quality Fac | Add +0.1% | 0.09% | −0.00 |
| HD Home Depot Inc. | Add +0.3% | 0.08% | −0.01 |
| XBJA Innovator US Eq Ac 9 Buff-J | Add +3.7% | 2.64% | −0.01 |
| PJAN Innovator U.S. Equity Power | Add +0.2% | 0.20% | −0.01 |
| DFUS Dimensional US Eq MKT ETF | Add +0.1% | 0.22% | −0.01 |
| AMZN Amazon.com Inc. | Add +2.1% | 0.17% | −0.02 |
| IJJ iShares S&P Mid-Cap 400 Valu | Add +0.6% | 6.05% | −0.02 |
| META Meta Platforms Inc. Class A | Add +3.8% | 0.18% | −0.02 |
| VUG Vanguard Mrngstar GR ETF-Sui | Add +2.2% | 0.23% | −0.03 |
| VOT Vngrd Mrngstr MC GRW ETF-Usd | Add +0.1% | 0.86% | −0.09 |
| IVW iShares S&P 500 Growth ETF | Add +1.9% | 4.99% | −0.43 |
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 |