Total Wealth Planning, LLC

In its 13F for Q4 2025 (holdings as of December 31, 2025, filed February 13, 2026), Total Wealth Planning, LLC reported 39 stock positions worth $46.7 million. Its top holding was Schwab US Aggregate Bond ETF (SCHZ) at 10.8% of the portfolio, followed by Vanguard Mrngstar GR ETF-Sui (VUG, 9.2%) and Vanguard Mrngstr Val ETF-Aui (VTV, 8.2%). Compared with Q3 2025, it sold out of 70 and reduced 38. The biggest sale was an exit from Eli Lilly (LLY).

Most Recent 13F
Q4 2025
Location
CINCINNATI, OH
CIK
0001762997
Portfolio Value
$46.7M (Q4 2025)
SEC Filing
0001951757-26-000432 ↗ filed Feb 13, 2026

Holdings Value

0$200.0M$400.0M$600.0M$800.0M$1.0B Q1 2024: $581.8M Q1 2024 Q2 2024: $609.5M Q2 2024 Q3 2024: $640.8M Q3 2024 Q4 2024: $642.1M Q4 2024 Q1 2025: $653.7M Q1 2025 Q2 2025: $791.3M Q2 2025 Q3 2025: $864.2M Q3 2025 Q4 2025: $46.7M $46.7M Q4 2025

Holdings 39 stocks · $46.7M

SCHZ Schwab US Aggregate Bond ETF 10.83% 216,518 $5.1M Reduce -94.8%
VUG Vanguard Mrngstar GR ETF-Sui 9.23% 8,837 $4.3M Reduce -94.0%
VTV Vanguard Mrngstr Val ETF-Aui 8.25% 20,187 $3.9M Reduce -93.8%
DFEM Dimensional Emrg MRKT Core 7.10% 100,344 $3.3M Reduce -94.6%
VCSH Vanguard S/T Corp. Bond ETF 7.00% 41,054 $3.3M Reduce -93.7%
DFIV Dimensional International Va 4.81% 45,087 $2.2M Reduce -94.9%
BNDX Vanguard Total Intl Bond ETF 4.75% 45,965 $2.2M Reduce -88.8%
DFLV Dim US Large Cap Value ETF 4.73% 64,589 $2.2M Reduce -93.9%
DFIS Dimensional International SM 4.39% 62,215 $2.0M Reduce -94.5%
VOE Vngrd Mrngstr MD-Cap Val ETF 3.75% 9,877 $1.8M Reduce -94.3%
JMEE JPM Sma & Mid Cap En Eq Et-U filed as J P MORGAN EXCHANGE TRADED F 3.48% 25,295 $1.6M Reduce -94.7%
VBK Van Morst SML-Cap Gro-Usd Inc. 2.80% 4,329 $1.3M Reduce -93.7%
VBR Vngrd Mrngst SL-CP Val ETF-U 2.66% 5,862 $1.2M Reduce -94.6%
VOT Vngrd Mrngstr MC GRW ETF-Usd 2.40% 4,016 $1.1M Reduce -93.8%
DFSV Dimensional US Small Cap Val 2.29% 32,598 $1.1M Reduce -93.6%
DFGR Dim Global Real Estate ETF 1.71% 30,217 $798K Reduce -95.1%
SCHG Schwab US Large-Cap Growth 1.60% 22,926 $748K Reduce -91.9%
VNQI Vanguard GLBL Ex-US Real Est 1.58% 16,094 $738K Reduce -89.0%
AVEM Avantis Emerging Markets Eq 1.26% 7,672 $591K Reduce -93.2%
IGSB iShares 1-5Y Inv Grade Corp. 1.16% 10,248 $542K Reduce -91.8%
MDYV SS SPDR S&P 400 MC Val ETF 1.09% 5,992 $507K Reduce -94.0%
IWF iShares Russell 1000 Growth 1.07% 1,055 $499K Reduce -96.7%
BND Vanguard Total Bond Market 1.06% 6,703 $497K Reduce -89.0%
SCHV Schwab US Large-Cap Value 1.02% 16,150 $478K Reduce -94.8%
AVIV Avantis Intl LRG Cap Val ETF 0.99% 6,521 $464K Reduce -88.2%
DFAT Dimensional US Target Value 0.94% 7,381 $439K Reduce -88.0%
BSV Vanguard Short-Term Bond ETF 0.89% 5,266 $415K Reduce -22.4%
VNQ Vanguard Real Estate ETF 0.85% 4,479 $396K Reduce -93.3%
IGF iShares Global Infrastructur 0.79% 6,037 $370K Reduce -92.6%
SCZ iShares MSCI Eafe Small-Cap 0.73% 4,373 $339K Reduce -94.8%
VEA Vanguard Ftse Developed ETF 0.67% 5,047 $315K Reduce -43.3%
IEFA iShares Core MSCI Eafe ETF 0.64% 3,366 $301K Reduce -89.7%
AAPL Apple Inc. 0.60% 1,029 $280K Reduce -83.9%
AVUV Avantis US Small Cap Value 0.58% 2,645 $270K Reduce -97.9%
IVW iShares S&P 500 Growth ETF 0.54% 2,028 $250K Reduce -95.5%
SLYV SS SPDR S&P 600 SC Val ETF 0.53% 2,735 $249K Reduce -93.0%
MDYG SS SPDR S&P 400 MC GR ETF 0.50% 2,547 $235K Reduce -95.1%
EFG iShares MSCI Eafe Growth ETF 0.48% 1,952 $222K Reduce -91.2%
UEC Uranium Energy Corp. 0.25% 10,000 $117K No change

Portfolio Sells Q3 2025 → Q4 2025

LLY Eli Lilly & Co. Sold out 0.00% −2.82
AVUV Avantis US Small Cap Value Reduce -97.9% 0.58% −0.89
GLD SPDR Gold Shares Sold out 0.00% −0.88
IWD iShares Russell 1000 Value E Sold out 0.00% −0.73
IWF iShares Russell 1000 Growth Reduce -96.7% 1.07% −0.67
AVLV Avantis US Large Cap Value Sold out 0.00% −0.60
DFUV Dimensional US Marketwide Va Sold out 0.00% −0.59
IJT iShares S&P Small-Cap 600 GR Sold out 0.00% −0.49
SCHD Schwab US DVD Equity ETF Sold out 0.00% −0.44
PG The Procter & Gamble Co. Sold out 0.00% −0.42
SCHZ Schwab US Aggregate Bond ETF Reduce -94.8% 10.83% −0.41
JPM JPMorgan Chase & Co. Sold out 0.00% −0.33
EMXC iShares MSCI Emr MRK Ex Chna Sold out 0.00% −0.33
VTIP Vanguard Short-Term Tips Sold out 0.00% −0.30
SPSB SS SPDR P St C Corp. ETF Sold out 0.00% −0.24
DFGR Dim Global Real Estate ETF Reduce -95.1% 1.71% −0.23
DFAE Dimensional Emerging Core Eq Sold out 0.00% −0.23
IVE iShares S&P 500 Value ETF Sold out 0.00% −0.22
IWN iShares Russell 2000 Value E Sold out 0.00% −0.20
CVX Chevron Corp. Sold out 0.00% −0.20
SLYG SS SPDR S&P 600 SC GR ETF Sold out 0.00% −0.19
VTI VG Morningstar TS MKT ETF-US Sold out 0.00% −0.19
IWO iShares Russell 2000 Growth Sold out 0.00% −0.18
DFAI Dimensional International Co. Sold out 0.00% −0.16
RWO State Street SPDR Dow Jones Sold out 0.00% −0.14
IAGG iShares Intl Aggregate Bond Sold out 0.00% −0.14
TSLA Tesla Inc. Sold out 0.00% −0.12
AGG iShares Core U.S. Aggregate Sold out 0.00% −0.11
DFIP Dimensional Inflation-Protec Sold out 0.00% −0.11
QQQ Invesco QQQ Trust Series 1 Sold out 0.00% −0.11
IJS iShares S&P Small-Cap 600 Va Sold out 0.00% −0.11
DFAS Dimensional US Small Cap ETF Sold out 0.00% −0.10
IVW iShares S&P 500 Growth ETF Reduce -95.5% 0.54% −0.10
VT Vanguard Tot World STK ETF Sold out 0.00% −0.09
IJR iShares Core S&P Small-Cap E Sold out 0.00% −0.09
SUB iShares Short-Term National Sold out 0.00% −0.09
MSFT Microsoft Corp. Sold out 0.00% −0.09
ISRG Intuitive Surgical Inc. Sold out 0.00% −0.09
IJJ iShares S&P Mid-Cap 400 Valu Sold out 0.00% −0.07
NVDA Nvidia Corp. Sold out 0.00% −0.07
VWO Vanguard Ftse Emerging Marke Sold out 0.00% −0.07
VIG Vanguard Dividend Apprec ETF Sold out 0.00% −0.07
NOC Northrop Grumman Corp. Sold out 0.00% −0.06
DFAW Dimensional World Eqty ETF Sold out 0.00% −0.06
IWS iShares Russell Mid-Cap Valu Sold out 0.00% −0.06
REET iShares Global REIT ETF Sold out 0.00% −0.06
IWP iShares Russell Mid-Cap Grow Sold out 0.00% −0.06
ITOT iShares Core S&P Total U.S. Sold out 0.00% −0.06
AMZN Amazon.com Inc. Sold out 0.00% −0.06
IVV iShares Core S&P 500 ETF Sold out 0.00% −0.05

Portfolio Buys Q3 2025 → Q4 2025

None this quarter.

All Filings

QuarterPositions13F Reported ValueTop Holdings
Q4 2025 39$46.7MSCHZ, VUG, VTV, DFEM, VCSH
Q3 2025 109$864.2MSCHZ, VUG, VTV, DFEM, VCSH
Q2 2025 105$791.3MSCHZ, VUG, VTV, DFEM, VCSH
Q1 2025 91$653.7MSCHZ, VTV, VUG, VCSH, DFEM
Q4 2024 93$642.1MSCHZ, VUG, VTV, VCSH, DFEM
Q3 2024 90$640.8MSCHZ, VUG, VTV, VCSH, DFEM
Q2 2024 89$609.5MSCHZ, VUG, VCSH, VTV, DFEM
Q1 2024 91$581.8MVCSH, SCHZ, VUG, VTV, DFEM