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

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

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
PEG Public Service Enterprise GP 0.08% 3,331 $270K No change
GE General Electric filed as GE AEROSPACE 0.08% 925 $263K No change
VONV Vanguard Russell 1000 Value 0.08% 2,789 $261K Add +0.4%
TSLA Tesla Inc. 0.08% 695 $258K Reduce -5.2%
CPSJ Calamos S&P 500 Sap ETF July 0.08% 9,447 $254K No change
MDYG SS SPDR S&P 400 MC GR ETF 0.07% 2,635 $253K Reduce -0.4%
CAT Caterpillar Inc. 0.07% 351 $249K Reduce -5.4%
SCHB Schwab US Broad Market ETF 0.07% 9,727 $244K Add +0.3%
ES Eversource Energy 0.07% 3,452 $239K No change
VDE Vanguard Energy ETF 0.07% 1,304 $226K New
CPST Calamos S&P 500 Alt Sept 0.06% 8,018 $216K No change
BND Vanguard Total Bond Market 0.06% 2,883 $212K Reduce -63.4%
IWB iShares Russell 1000 ETF 0.06% 589 $210K No change
CSCO Cisco Systems Inc. 0.06% 2,705 $210K No change
UFEB Innovator U.S. Equity Ultra 0.06% 5,653 $205K New
VOO Vanguard S&P 500 ETF 0.06% 337 $201K Reduce -0.6%
BDJ BlackRock Enhanced Eqty DVD 0.04% 13,831 $119K 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

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