Sterling Financial Planning, Inc.

In its 13F for Q2 2026 (holdings as of June 30, 2026, filed August 11, 2026), Sterling Financial Planning, Inc. reported 123 stock positions worth $367.7 million. Its top holding was iShares S&P Mid-Cap 400 Valu (IJJ) at 6.3% of the portfolio, followed by iShares S&P Small-Cap 600 GR (IJT, 6.2%) and iShares S&P Mid-Cap 400 Grow (IJK, 5.8%). Compared with Q1 2026, it opened 8 new positions, sold out of 2, added to 46 and reduced 52. The biggest buy was iShares S&P Mid-Cap 400 Valu (IJJ, shares +2%) and the biggest sale iShares Gold Trust (IAU, shares −1%).

Most Recent 13F
Q2 2026
Location
SPARTA, NJ
CIK
0001844278
Portfolio Value
$367.7M (Q2 2026)
SEC Filing
0001844278-26-000004 ↗ filed Aug 11, 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 Q1 2026 Q2 2026: $367.7M $367.7M Q2 2026

Holdings 123 stocks · $367.7M
IJJ iShares S&P Mid-Cap 400 Valu 6.29% 156,530 $23.1M Add +1.7%
IJT iShares S&P Small-Cap 600 GR 6.22% 128,012 $22.9M Reduce -1.4%
IJK iShares S&P Mid-Cap 400 Grow 5.84% 182,653 $21.5M Reduce -1.5%
IVW iShares S&P 500 Growth ETF 5.54% 148,229 $20.4M Reduce -0.3%
IAU iShares Gold Trust 4.80% 233,678 $17.6M Reduce -0.7%
DFIV Dimensional International Va 4.56% 310,296 $16.8M Add +0.7%
VYM Vanguard High DVD Yield ETF 3.57% 83,032 $13.1M Add +2.0%
FNDX Schwab Fndmntl US LRG Co. ETF 3.54% 418,339 $13.0M Reduce -1.4%
DISV Dimensional International SM 3.31% 302,926 $12.2M Add +2.2%
BIV Vanguard Intermediate-Term B 3.21% 153,913 $11.8M Add +7.3%
DFSV Dimensional US Small Cap Val 3.08% 292,001 $11.3M Add +0.7%
IJS iShares S&P Small-Cap 600 Va 2.73% 73,343 $10.0M Reduce -4.4%
XBJA Innovator US Eq Ac 9 Buff-J 2.65% 288,650 $9.8M Add +1.3%
IVV iShares Core S&P 500 ETF 2.50% 12,282 $9.2M Reduce -1.0%
DFIP Dimensional Inflation-Protec 2.02% 179,710 $7.4M Add +5.3%
DFEV Dimensional Emrg MRKT Val 2.01% 173,234 $7.4M Reduce -2.1%
DFGR Dim Global Real Estate ETF 1.95% 247,263 $7.2M Add +5.1%
IJH iShares Core S&P Midcap ETF 1.40% 66,771 $5.1M Reduce -3.2%
QQQ Invesco QQQ Trust Series 1 1.36% 6,768 $5.0M Reduce -2.9%
EFG iShares MSCI Eafe Growth ETF 1.35% 39,975 $5.0M Reduce -1.8%
IVE iShares S&P 500 Value ETF 1.34% 21,679 $4.9M Reduce -5.2%
VCSH Vanguard S/T Corp. Bond ETF 1.33% 61,984 $4.9M Add +11.5%
BSV Vanguard Short-Term Bond ETF 1.31% 61,799 $4.8M Add +5.4%
AAPL Apple Inc. 1.27% 16,124 $4.7M Add +2.9%
GOVT iShares US Treasury Bond ETF 1.23% 198,231 $4.5M Add +3.1%
VOE Vngrd Mrngstr MD-Cap Val ETF 1.16% 21,586 $4.3M Reduce -0.9%
VTEB Vanguard Tax-Exempt Bond ETF 1.09% 78,977 $4.0M Add +2.0%
GLD SPDR Gold Shares 1.03% 10,288 $3.8M Reduce -3.5%
VOT Vngrd Mrngstr MC GRW ETF-Usd 0.96% 11,514 $3.5M Add +1.9%
VTES Vanguard SH Term Tax-Ex Bond 0.95% 34,648 $3.5M Add +5.1%
VBK Van Morst SML-Cap Gro-Usd Inc. 0.84% 8,480 $3.1M Reduce -0.2%
VTIP Vanguard Short-Term Tips 0.83% 61,111 $3.1M Add +9.0%
VNQ Vanguard Real Estate ETF 0.82% 31,228 $3.0M Reduce -2.2%
BNDX Vanguard Total Intl Bond ETF 0.82% 61,896 $3.0M Add +4.2%
IDV iShares International Select 0.81% 71,635 $3.0M Reduce -5.0%
DGS Wisdomtree Em Small Cap 0.69% 39,294 $2.5M Reduce -0.8%
VBR Vngrd Mrngst SL-CP Val ETF-U 0.69% 10,385 $2.5M Reduce -0.3%
JNJ Johnson & Johnson 0.67% 9,653 $2.5M Reduce -0.7%
FNDC Schwab Fndmnt Intl SM Eq ETF 0.65% 48,976 $2.4M Reduce -7.8%
VEA Vanguard Ftse Developed ETF 0.55% 28,535 $2.0M Reduce -1.1%
SPY SS SPDR S&P 500 ETF Trust-US 0.53% 2,598 $1.9M Add +0.1%
MUB iShares National Muni Bond E 0.50% 17,094 $1.8M Add +4.6%
IJR iShares Core S&P Small-Cap E 0.43% 10,706 $1.6M Reduce -3.8%
TIP iShares Tips Bond ETF 0.43% 14,505 $1.6M Add +1.6%
PRF Invesco Rafi US 1000 ETF 0.43% 29,316 $1.6M Reduce -3.8%
XOM Exxon Mobil Corp. 0.43% 11,444 $1.6M Reduce -11.8%
SCZ iShares MSCI Eafe Small-Cap 0.36% 15,997 $1.3M Reduce -3.4%
DFAR Dimensional US Real Est ETF 0.35% 49,877 $1.3M Reduce -0.6%
MSFT Microsoft Corp. 0.33% 3,276 $1.2M Add +0.0%
DFLV Dim US Large Cap Value ETF 0.31% 29,060 $1.1M Add +2.4%
BRK.B Berkshire Hathaway Inc. Class B 0.29% 2,151 $1.1M Reduce -5.7%
SIGI Selective Insurance Group 0.29% 10,862 $1.1M No change
RTX RTX Corp. 0.27% 5,242 $995K No change
LLY Eli Lilly & Co. 0.25% 777 $932K No change
GOOGL Alphabet Inc. Class A 0.25% 2,588 $925K Reduce -2.6%
VUG Vanguard Mrngstar GR ETF-Sui 0.25% 10,472 $902K Reduce -1.8%
DFUS Dimensional US Eq MKT ETF 0.23% 10,355 $848K Reduce -0.6%
O Realty Income Corp. 0.22% 12,841 $796K Add +0.1%
JPM JPMorgan Chase & Co. 0.21% 2,343 $767K Add +18.0%
PJAN Innovator U.S. Equity Power 0.20% 14,962 $740K No change
MMM 3M Co. 0.19% 4,368 $707K No change
PRFZ Inv Rafi US 1500 SM-Usd Inc. 0.18% 12,053 $672K Reduce -0.6%
RSP Invesco S&P 500 Equal Weight 0.17% 3,018 $642K Reduce -1.6%
CPSY Calamos S&P 500 Sap ETF Jan 0.17% 24,970 $642K No change
MDYV SS SPDR S&P 400 MC Val ETF 0.17% 6,616 $628K Add +1.9%
LRCX Lam Research Corp. 0.17% 1,435 $622K No change
AMZN Amazon.com Inc. 0.17% 2,561 $610K Reduce -4.5%
VO Vngrd Mrngstr MD-Cap ETF-Usd 0.16% 7,490 $603K Reduce -2.1%
VIG Vanguard Dividend Apprec ETF 0.16% 2,505 $593K Reduce -13.2%
GOOG Alphabet Inc. Class C 0.16% 1,676 $592K Reduce -2.9%
META Meta Platforms Inc. Class A 0.16% 1,031 $581K Reduce -1.4%
COST Costco Wholesale Corp. 0.16% 620 $580K Reduce -3.3%
DE Deere & Co. 0.14% 822 $521K Reduce -4.6%
CSRE C&S Real Estate Active ETF 0.14% 18,093 $513K Add +13.6%
SCHE Schwab Emrg Mrkts Eqty ETF 0.13% 13,381 $485K Reduce -10.9%
PFS Provident Financial Services 0.13% 20,152 $476K Reduce -7.1%
IBM Intl Business Machines Corp. filed as INTERNATIONAL BUSINESS MACHS 0.13% 1,667 $469K No change
NVDA Nvidia Corp. 0.12% 2,157 $432K Add +13.3%
PEP Pepsico Inc. 0.12% 3,178 $430K Add +0.1%
MRK Merck & Co. Inc. 0.11% 3,246 $417K Add +7.7%
DVY iShares Select Dividend ETF 0.11% 2,602 $407K Add +35.4%
GE General Electric filed as GE AEROSPACE 0.11% 1,072 $401K Add +15.9%
GD General Dynamics Corp. 0.11% 1,128 $399K Add +0.4%
VWO Vanguard Ftse Emerging Marke 0.10% 6,387 $381K Add +0.6%
DFIS Dimensional International SM 0.10% 10,763 $377K Reduce -0.2%
EMB iShares JP Morgan Usd Emergi 0.10% 3,825 $369K Add +0.3%
CARR Carrier Global Corp. 0.10% 5,027 $369K No change
PG The Procter & Gamble Co. 0.10% 2,470 $362K Reduce -12.1%
ABT Abbott Laboratories 0.10% 3,921 $356K Reduce -10.4%
IDHQ Invesco S&P International DE 0.10% 8,109 $354K Add +2.2%
ABBV Abbvie Inc. 0.10% 1,389 $350K Add +7.8%
CAT Caterpillar Inc. 0.09% 327 $348K Reduce -6.8%
QUAL iShares MSCI USA Quality Fac 0.09% 1,583 $347K No change
UAUG Innovator U.S. Equity Ultra 0.09% 7,809 $329K Add +1.0%
VTI VG Morningstar TS MKT ETF-US 0.09% 876 $324K Add +0.5%
CVX Chevron Corp. 0.09% 1,938 $321K Reduce -2.7%
XBAP Innovator US Eqy Accel 9 Buf 0.09% 7,634 $320K Reduce -1.3%
GEV GE Vernova Inc. 0.08% 265 $311K New
CSCO Cisco Systems Inc. 0.08% 2,625 $308K Reduce -3.0%
HD Home Depot Inc. 0.08% 862 $304K Add +0.2%
VONV Vanguard Russell 1000 Value 0.08% 2,800 $298K Add +0.4%
MDYG SS SPDR S&P 400 MC GR ETF 0.08% 2,636 $295K Add +0.0%
TSLA Tesla Inc. 0.08% 687 $289K Reduce -1.1%
SCHB Schwab US Broad Market ETF 0.08% 9,752 $282K Add +0.3%
EPD Enterprise Products Partners 0.08% 7,615 $280K Add +0.3%
PEG Public Service Enterprise GP 0.07% 3,314 $269K Reduce -0.5%
VZ Verizon Communications Inc. 0.07% 6,340 $268K No change
CPSJ Calamos S&P 500 Sap ETF July 0.07% 9,447 $261K No change
LOW Lowe's Cos Inc. 0.07% 1,164 $257K No change
ES Eversource Energy 0.07% 3,452 $249K No change
MCD McDonald's Corp. 0.07% 896 $242K Add +0.1%
IWB iShares Russell 1000 ETF 0.07% 589 $241K No change
INTC Intel Corp. 0.06% 1,700 $237K New
BND Vanguard Total Bond Market 0.06% 3,207 $235K Add +11.2%
VB Vanguard Most SM-Cap ETF-Usd 0.06% 757 $230K New
VOO Vanguard S&P 500 ETF 0.06% 328 $225K Reduce -2.7%
DFAT Dimensional US Target Value 0.06% 3,194 $223K New
CPST Calamos S&P 500 Alt Sept 0.06% 8,018 $223K No change
EEM iShares MSCI Emerging Market 0.06% 3,184 $218K New
GLW Corning Inc. 0.06% 833 $213K New
RCL Royal Caribbean Cruises Ltd. 0.06% 668 $212K New
SDY SS SPDR S&P Dividend ETF 0.05% 1,323 $201K New
BDJ BlackRock Enhanced Eqty DVD 0.04% 13,831 $132K No change

Portfolio Sells Q1 2026 → Q2 2026
IAU iShares Gold Trust Reduce -0.7% 4.80% −1.35
GLD SPDR Gold Shares Reduce -3.5% 1.03% −0.33
XOM Exxon Mobil Corp. Reduce -11.8% 0.43% −0.23
IDV iShares International Select Reduce -5.0% 0.81% −0.14
IVE iShares S&P 500 Value ETF Reduce -5.2% 1.34% −0.09
FNDC Schwab Fndmnt Intl SM Eq ETF Reduce -7.8% 0.65% −0.08
VDE Vanguard Energy ETF Sold out 0.00% −0.07
UFEB Innovator U.S. Equity Ultra Sold out 0.00% −0.06
JNJ Johnson & Johnson Reduce -0.7% 0.67% −0.04
ABT Abbott Laboratories Reduce -10.4% 0.10% −0.04
CVX Chevron Corp. Reduce -2.7% 0.09% −0.03
COST Costco Wholesale Corp. Reduce -3.3% 0.16% −0.03
BRK.B Berkshire Hathaway Inc. Class B Reduce -5.7% 0.29% −0.03
VOE Vngrd Mrngstr MD-Cap Val ETF Reduce -0.9% 1.16% −0.03
SCZ iShares MSCI Eafe Small-Cap Reduce -3.4% 0.36% −0.03
VIG Vanguard Dividend Apprec ETF Reduce -13.2% 0.16% −0.02
PG The Procter & Gamble Co. Reduce -12.1% 0.10% −0.02
VNQ Vanguard Real Estate ETF Reduce -2.2% 0.82% −0.02
META Meta Platforms Inc. Class A Reduce -1.4% 0.16% −0.02
SCHE Schwab Emrg Mrkts Eqty ETF Reduce -10.9% 0.13% −0.01
DGS Wisdomtree Em Small Cap Reduce -0.8% 0.69% −0.01
PEG Public Service Enterprise GP Reduce -0.5% 0.07% −0.01
PFS Provident Financial Services Reduce -7.1% 0.13% −0.01
DFIS Dimensional International SM Reduce -0.2% 0.10% −0.01
XBAP Innovator US Eqy Accel 9 Buf Reduce -1.3% 0.09% −0.00
DE Deere & Co. Reduce -4.6% 0.14% −0.00
RSP Invesco S&P 500 Equal Weight Reduce -1.6% 0.17% +0.00
AMZN Amazon.com Inc. Reduce -4.5% 0.17% +0.00
PRF Invesco Rafi US 1000 ETF Reduce -3.8% 0.43% +0.00
VO Vngrd Mrngstr MD-Cap ETF-Usd Reduce -2.1% 0.16% +0.00
VOO Vanguard S&P 500 ETF Reduce -2.7% 0.06% +0.00
TSLA Tesla Inc. Reduce -1.1% 0.08% +0.00
DFAR Dimensional US Real Est ETF Reduce -0.6% 0.35% +0.00
VEA Vanguard Ftse Developed ETF Reduce -1.1% 0.55% +0.01
EFG iShares MSCI Eafe Growth ETF Reduce -1.8% 1.35% +0.01
DFUS Dimensional US Eq MKT ETF Reduce -0.6% 0.23% +0.01
GOOG Alphabet Inc. Class C Reduce -2.9% 0.16% +0.01
VUG Vanguard Mrngstar GR ETF-Sui Reduce -1.8% 0.25% +0.02
VBR Vngrd Mrngst SL-CP Val ETF-U Reduce -0.3% 0.69% +0.02
PRFZ Inv Rafi US 1500 SM-Usd Inc. Reduce -0.6% 0.18% +0.02
IJH iShares Core S&P Midcap ETF Reduce -3.2% 1.40% +0.02
CAT Caterpillar Inc. Reduce -6.8% 0.09% +0.02
CSCO Cisco Systems Inc. Reduce -3.0% 0.08% +0.02
IJR iShares Core S&P Small-Cap E Reduce -3.8% 0.43% +0.02
GOOGL Alphabet Inc. Class A Reduce -2.6% 0.25% +0.03
IJS iShares S&P Small-Cap 600 Va Reduce -4.4% 2.73% +0.03
FNDX Schwab Fndmntl US LRG Co. ETF Reduce -1.4% 3.54% +0.04
VBK Van Morst SML-Cap Gro-Usd Inc. Reduce -0.2% 0.84% +0.08
IVV iShares Core S&P 500 ETF Reduce -1.0% 2.50% +0.10
DFEV Dimensional Emrg MRKT Val Reduce -2.1% 2.01% +0.13

Portfolio Buys Q1 2026 → Q2 2026
IJJ iShares S&P Mid-Cap 400 Valu Add +1.7% 6.29% +0.24
VOT Vngrd Mrngstr MC GRW ETF-Usd Add +1.9% 0.96% +0.10
DFGR Dim Global Real Estate ETF Add +5.1% 1.95% +0.09
AAPL Apple Inc. Add +2.9% 1.27% +0.09
GEV GE Vernova Inc. New 0.08% +0.08
DFSV Dimensional US Small Cap Val Add +0.7% 3.08% +0.07
INTC Intel Corp. New 0.06% +0.06
VB Vanguard Most SM-Cap ETF-Usd New 0.06% +0.06
DFAT Dimensional US Target Value New 0.06% +0.06
EEM iShares MSCI Emerging Market New 0.06% +0.06
GLW Corning Inc. New 0.06% +0.06
RCL Royal Caribbean Cruises Ltd. New 0.06% +0.06
SDY SS SPDR S&P Dividend ETF New 0.05% +0.05
JPM JPMorgan Chase & Co. Add +18.0% 0.21% +0.04
GE General Electric Add +15.9% 0.11% +0.03
SPY SS SPDR S&P 500 ETF Trust-US Add +0.1% 0.53% +0.03
VCSH Vanguard S/T Corp. Bond ETF Add +11.5% 1.33% +0.03
DVY iShares Select Dividend ETF Add +35.4% 0.11% +0.02
NVDA Nvidia Corp. Add +13.3% 0.12% +0.02
CSRE C&S Real Estate Active ETF Add +13.6% 0.14% +0.02
IDHQ Invesco S&P International DE Add +2.2% 0.10% +0.01
DFLV Dim US Large Cap Value ETF Add +2.4% 0.31% +0.01
ABBV Abbvie Inc. Add +7.8% 0.10% +0.01
XBJA Innovator US Eq Ac 9 Buff-J Add +1.3% 2.65% +0.01
MDYV SS SPDR S&P 400 MC Val ETF Add +1.9% 0.17% +0.01
MRK Merck & Co. Inc. Add +7.7% 0.11% +0.01
MDYG SS SPDR S&P 400 MC GR ETF Add +0.0% 0.08% +0.01
VTI VG Morningstar TS MKT ETF-US Add +0.5% 0.09% +0.01
SCHB Schwab US Broad Market ETF Add +0.3% 0.08% +0.00
VTIP Vanguard Short-Term Tips Add +9.0% 0.83% +0.00
VONV Vanguard Russell 1000 Value Add +0.4% 0.08% +0.00
VWO Vanguard Ftse Emerging Marke Add +0.6% 0.10% +0.00
BND Vanguard Total Bond Market Add +11.2% 0.06% +0.00
UAUG Innovator U.S. Equity Ultra Add +1.0% 0.09% −0.00
HD Home Depot Inc. Add +0.2% 0.08% −0.00
GD General Dynamics Corp. Add +0.4% 0.11% −0.01
EMB iShares JP Morgan Usd Emergi Add +0.3% 0.10% −0.01
VYM Vanguard High DVD Yield ETF Add +2.0% 3.57% −0.01
EPD Enterprise Products Partners Add +0.3% 0.08% −0.01
MUB iShares National Muni Bond E Add +4.6% 0.50% −0.01
O Realty Income Corp. Add +0.1% 0.22% −0.02
MCD McDonald's Corp. Add +0.1% 0.07% −0.02
MSFT Microsoft Corp. Add +0.0% 0.33% −0.03
PEP Pepsico Inc. Add +0.1% 0.12% −0.03
BNDX Vanguard Total Intl Bond ETF Add +4.2% 0.82% −0.03
VTES Vanguard SH Term Tax-Ex Bond Add +5.1% 0.95% −0.03
TIP iShares Tips Bond ETF Add +1.6% 0.43% −0.04
BSV Vanguard Short-Term Bond ETF Add +5.4% 1.31% −0.05
VTEB Vanguard Tax-Exempt Bond ETF Add +2.0% 1.09% −0.06
BIV Vanguard Intermediate-Term B Add +7.3% 3.21% −0.07

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