Total Wealth Planning, LLC

In its 13F for Q3 2024 (holdings as of September 30, 2024, filed October 10, 2024), Total Wealth Planning, LLC reported 90 stock positions worth $640.8 million. Its top holding was Schwab US Aggregate Bond ETF (SCHZ) at 12.4% of the portfolio, followed by Vanguard Mrngstar GR ETF-Sui (VUG, 8.5%) and Vanguard Mrngstr Val ETF-Aui (VTV, 8.2%). Compared with Q2 2024, it opened 3 new positions, sold out of 2, added to 25 and reduced 47. The biggest buy was Schwab US Aggregate Bond ETF (SCHZ, shares +16%) and the biggest sale Vanguard S/T Corp. Bond ETF (VCSH, shares −9%).

Most Recent 13F
Q4 2025
Location
CINCINNATI, OH
CIK
0001762997
Portfolio Value
$640.8M (Q3 2024)
SEC Filing
0001951757-24-001008 ↗ filed Oct 10, 2024

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 $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 Q4 2025

Holdings 90 stocks · $640.8M
SCHZ Schwab US Aggregate Bond ETF 12.38% 1,669,016 $79.3M Add +16.5%
VUG Vanguard Mrngstar GR ETF-Sui 8.47% 141,449 $54.3M Add +2.8%
VTV Vanguard Mrngstr Val ETF-Aui 8.16% 299,384 $52.3M Add +1.8%
VCSH Vanguard S/T Corp. Bond ETF 7.62% 614,553 $48.8M Reduce -8.9%
DFEM Dimensional Emrg MRKT Core 6.76% 1,538,586 $43.3M Add +7.8%
DFIV Dimensional International Va 4.32% 727,283 $27.7M Add +6.3%
VOE Vngrd Mrngstr MD-Cap Val ETF 4.16% 159,127 $26.7M Add +1.5%
DFIS Dimensional International SM 3.98% 951,768 $25.5M Add +7.3%
DFLV Dim US Large Cap Value ETF 3.54% 735,909 $22.7M Add +8.8%
ICLN iShares Global Clean Energy 3.46% 1,510,039 $22.2M Add +1.5%
VBR Vngrd Mrngst SL-CP Val ETF-U 3.08% 98,297 $19.7M Add +1.9%
VBK Van Morst SML-Cap Gro-Usd Inc. 2.65% 63,424 $17.0M Add +3.0%
BNDX Vanguard Total Intl Bond ETF 2.64% 336,733 $16.9M Add +3.3%
VOT Vngrd Mrngstr MC GRW ETF-Usd 2.41% 63,373 $15.4M Add +2.6%
DFGR Dim Global Real Estate ETF 1.91% 425,148 $12.3M Add +14.2%
DFSV Dimensional US Small Cap Val 1.71% 355,041 $10.9M Add +7.6%
SCHV Schwab US Large-Cap Value 1.33% 106,238 $8.5M Reduce -2.7%
SCHG Schwab US Large-Cap Growth 1.27% 78,288 $8.2M Reduce -2.2%
IGSB iShares 1-5Y Inv Grade Corp. 1.24% 150,544 $7.9M Reduce -17.0%
AVEM Avantis Emerging Markets Eq 1.24% 122,569 $7.9M Reduce -4.2%
MDYV SS SPDR S&P 400 MC Val ETF 1.21% 97,318 $7.7M Reduce -2.6%
VNQ Vanguard Real Estate ETF 1.07% 70,503 $6.9M Reduce -4.7%
VNQI Vanguard GLBL Ex-US Real Est 0.95% 130,097 $6.1M Reduce -6.7%
DFUV Dimensional US Marketwide Va 0.83% 128,246 $5.3M Reduce -2.5%
MDYG SS SPDR S&P 400 MC GR ETF 0.79% 57,841 $5.1M Reduce -2.5%
IVW iShares S&P 500 Growth ETF 0.78% 52,505 $5.0M Reduce -4.0%
IGF iShares Global Infrastructur 0.75% 88,201 $4.8M Reduce -4.1%
AVLV Avantis US Large Cap Value 0.63% 61,791 $4.1M Reduce -3.2%
PG The Procter & Gamble Co. 0.61% 22,701 $3.9M Add +7.2%
DFAT Dimensional US Target Value 0.58% 66,956 $3.7M Reduce -0.7%
SCZ iShares MSCI Eafe Small-Cap 0.58% 54,454 $3.7M Reduce -2.5%
AVIV Avantis Intl LRG Cap Val ETF 0.56% 63,950 $3.6M Reduce -3.6%
SLYV SS SPDR S&P 600 SC Val ETF 0.55% 40,887 $3.5M Reduce -4.0%
BND Vanguard Total Bond Market 0.55% 47,186 $3.5M Reduce -0.3%
VTIP Vanguard Short-Term Tips 0.52% 67,618 $3.3M Reduce -7.3%
IWF iShares Russell 1000 Growth 0.44% 7,460 $2.8M Reduce -7.0%
SPSB SS SPDR P St C Corp. ETF 0.37% 77,419 $2.3M Reduce -11.8%
IVE iShares S&P 500 Value ETF 0.32% 10,278 $2.0M Reduce -4.3%
DFAE Dimensional Emerging Core Eq 0.30% 69,624 $1.9M Reduce -0.4%
VT Vanguard Tot World STK ETF 0.28% 14,926 $1.8M Reduce -11.2%
AVUV Avantis US Small Cap Value 0.25% 16,861 $1.6M Reduce -3.1%
RWO State Street SPDR Dow Jones 0.25% 33,904 $1.6M Reduce -9.1%
IWO iShares Russell 2000 Growth 0.24% 5,349 $1.5M Reduce -2.6%
EFG iShares MSCI Eafe Growth ETF 0.23% 13,522 $1.5M Reduce -9.9%
DFAI Dimensional International Co. 0.22% 43,790 $1.4M Reduce -3.2%
AGG iShares Core U.S. Aggregate 0.20% 12,901 $1.3M No change
IAGG iShares Intl Aggregate Bond 0.19% 23,558 $1.2M Reduce -5.7%
AAPL Apple Inc. 0.19% 5,233 $1.2M Reduce -0.3%
SLYG SS SPDR S&P 600 SC GR ETF 0.18% 12,723 $1.2M Reduce -1.9%
CVX Chevron Corp. 0.18% 7,985 $1.2M Add +57.8%
SUB iShares Short-Term National 0.18% 10,950 $1.2M No change
DFIP Dimensional Inflation-Protec 0.17% 25,676 $1.1M Reduce -10.3%
QQQ Invesco QQQ Trust Series 1 0.12% 1,610 $786K No change
IJR iShares Core S&P Small-Cap E 0.12% 6,441 $753K Reduce -0.3%
BSCO Invesco Bulletshares 2024 CB 0.11% 33,637 $710K No change
IVV iShares Core S&P 500 ETF 0.10% 1,088 $628K Reduce -6.5%
NOC Northrop Grumman Corp. 0.10% 1,154 $609K New
IJJ iShares S&P Mid-Cap 400 Valu 0.09% 4,830 $597K Reduce -2.1%
IJT iShares S&P Small-Cap 600 GR 0.09% 4,084 $570K Reduce -3.1%
VWO Vanguard Ftse Emerging Marke 0.09% 11,881 $568K Reduce -2.4%
BSV Vanguard Short-Term Bond ETF 0.09% 7,016 $552K Add +0.0%
TSLA Tesla Inc. 0.09% 2,091 $547K No change
DFAU Dimensional US Core Equity M 0.09% 13,768 $546K Add +0.0%
IWP iShares Russell Mid-Cap Grow 0.08% 4,591 $538K Add +0.0%
VIG Vanguard Dividend Apprec ETF 0.08% 2,639 $523K No change
IWS iShares Russell Mid-Cap Valu 0.08% 3,906 $517K Reduce -3.1%
VEA Vanguard Ftse Developed ETF 0.07% 8,114 $428K Reduce -1.5%
AMZN Amazon.com Inc. 0.07% 2,241 $418K Add +33.2%
UCON First Trust Smith Unconstrai 0.06% 16,400 $412K No change
EFA iShares MSCI Eafe ETF 0.06% 4,731 $396K No change
IJK iShares S&P Mid-Cap 400 Grow 0.06% 4,160 $382K Add +0.1%
IWN iShares Russell 2000 Value E 0.06% 2,268 $378K Reduce -4.1%
SPY SS SPDR S&P 500 ETF Trust-US 0.06% 642 $368K Reduce -44.6%
VV Vngrd Mrgstr LRG-Cap ETF-Usd 0.06% 1,396 $368K No change
DFAW Dimensional World Eqty ETF 0.05% 5,515 $350K Reduce -30.0%
IEFA iShares Core MSCI Eafe ETF 0.05% 4,173 $326K Reduce -3.0%
DFAX Dimensional World Ex US Core 0.05% 11,982 $324K Reduce -0.0%
VB Vanguard Most SM-Cap ETF-Usd 0.05% 1,341 $318K No change
SCHM Schwab US Mid Cap ETF 0.05% 3,821 $317K Add +0.1%
JNJ Johnson & Johnson 0.05% 1,915 $310K No change
IWD iShares Russell 1000 Value E 0.05% 1,635 $310K No change
DLS Wisdomtree Intl S/C DVD Fund 0.04% 4,103 $283K No change
NVDA Nvidia Corp. 0.04% 2,275 $276K Add +3.5%
XOM Exxon Mobil Corp. 0.04% 2,340 $274K No change
EFV iShares MSCI Eafe Value ETF 0.04% 4,675 $269K Reduce -22.8%
GUNR NT Mstar GLBL NR ETF 0.04% 6,224 $257K Reduce -5.5%
CINF Cincinnati Financial Corp. 0.04% 1,793 $244K No change
F Ford Motor Co. filed as FORD MTR CO 0.03% 20,991 $222K Add +1.4%
VTI VG Morningstar TS MKT ETF-US 0.03% 713 $202K New
GE General Electric filed as GE AEROSPACE 0.03% 1,064 $201K New

Portfolio Sells Q2 2024 → Q3 2024
VCSH Vanguard S/T Corp. Bond ETF Reduce -8.9% 7.62% −1.00
IGSB iShares 1-5Y Inv Grade Corp. Reduce -17.0% 1.24% −0.30
SCHG Schwab US Large-Cap Growth Reduce -2.2% 1.27% −0.10
AVEM Avantis Emerging Markets Eq Reduce -4.2% 1.24% −0.09
IVW iShares S&P 500 Growth ETF Reduce -4.0% 0.78% −0.08
MDYG SS SPDR S&P 400 MC GR ETF Reduce -2.5% 0.79% −0.08
MDYV SS SPDR S&P 400 MC Val ETF Reduce -2.6% 1.21% −0.07
SPSB SS SPDR P St C Corp. ETF Reduce -11.8% 0.37% −0.06
IWF iShares Russell 1000 Growth Reduce -7.0% 0.44% −0.06
VTIP Vanguard Short-Term Tips Reduce -7.3% 0.52% −0.06
DFUV Dimensional US Marketwide Va Reduce -2.5% 0.83% −0.06
AVLV Avantis US Large Cap Value Reduce -3.2% 0.63% −0.05
SCHV Schwab US Large-Cap Value Reduce -2.7% 1.33% −0.05
SPY SS SPDR S&P 500 ETF Trust-US Reduce -44.6% 0.06% −0.05
SLYV SS SPDR S&P 600 SC Val ETF Reduce -4.0% 0.55% −0.05
VT Vanguard Tot World STK ETF Reduce -11.2% 0.28% −0.04
DFAT Dimensional US Target Value Reduce -0.7% 0.58% −0.04
HUM Humana Inc. Sold out 0.00% −0.04
VNQI Vanguard GLBL Ex-US Real Est Reduce -6.7% 0.95% −0.03
EFG iShares MSCI Eafe Growth ETF Reduce -9.9% 0.23% −0.03
AVIV Avantis Intl LRG Cap Val ETF Reduce -3.6% 0.56% −0.03
AVUV Avantis US Small Cap Value Reduce -3.1% 0.25% −0.03
DFAW Dimensional World Eqty ETF Reduce -30.0% 0.05% −0.03
DFIP Dimensional Inflation-Protec Reduce -10.3% 0.17% −0.02
IWO iShares Russell 2000 Growth Reduce -2.6% 0.24% −0.02
RWO State Street SPDR Dow Jones Reduce -9.1% 0.25% −0.02
IVE iShares S&P 500 Value ETF Reduce -4.3% 0.32% −0.02
SCZ iShares MSCI Eafe Small-Cap Reduce -2.5% 0.58% −0.02
IAGG iShares Intl Aggregate Bond Reduce -5.7% 0.19% −0.02
SLYG SS SPDR S&P 600 SC GR ETF Reduce -1.9% 0.18% −0.02
BND Vanguard Total Bond Market Reduce -0.3% 0.55% −0.01
EFV iShares MSCI Eafe Value ETF Reduce -22.8% 0.04% −0.01
DFAI Dimensional International Co. Reduce -3.2% 0.22% −0.01
AAPL Apple Inc. Reduce -0.3% 0.19% −0.01
UEC Uranium Energy Corp. Sold out 0.00% −0.01
IVV iShares Core S&P 500 ETF Reduce -6.5% 0.10% −0.01
VNQ Vanguard Real Estate ETF Reduce -4.7% 1.07% −0.01
DFAE Dimensional Emerging Core Eq Reduce -0.4% 0.30% −0.01
IJT iShares S&P Small-Cap 600 GR Reduce -3.1% 0.09% −0.01
IWN iShares Russell 2000 Value E Reduce -4.1% 0.06% −0.01
IJR iShares Core S&P Small-Cap E Reduce -0.3% 0.12% −0.01
IJJ iShares S&P Mid-Cap 400 Valu Reduce -2.1% 0.09% −0.00
GUNR NT Mstar GLBL NR ETF Reduce -5.5% 0.04% −0.00
IWS iShares Russell Mid-Cap Valu Reduce -3.1% 0.08% −0.00
VEA Vanguard Ftse Developed ETF Reduce -1.5% 0.07% −0.00
IEFA iShares Core MSCI Eafe ETF Reduce -3.0% 0.05% −0.00
IGF iShares Global Infrastructur Reduce -4.1% 0.75% −0.00
VWO Vanguard Ftse Emerging Marke Reduce -2.4% 0.09% −0.00
DFAX Dimensional World Ex US Core Reduce -0.0% 0.05% −0.00

Portfolio Buys Q2 2024 → Q3 2024
SCHZ Schwab US Aggregate Bond ETF Add +16.5% 12.38% +1.52
DFGR Dim Global Real Estate ETF Add +14.2% 1.91% +0.30
DFEM Dimensional Emrg MRKT Core Add +7.8% 6.76% +0.29
DFIS Dimensional International SM Add +7.3% 3.98% +0.22
DFLV Dim US Large Cap Value ETF Add +8.8% 3.54% +0.18
DFIV Dimensional International Va Add +6.3% 4.32% +0.13
VOE Vngrd Mrngstr MD-Cap Val ETF Add +1.5% 4.16% +0.10
NOC Northrop Grumman Corp. New 0.10% +0.10
VTV Vanguard Mrngstr Val ETF-Aui Add +1.8% 8.16% +0.09
CVX Chevron Corp. Add +57.8% 0.18% +0.05
PG The Procter & Gamble Co. Add +7.2% 0.61% +0.03
VTI VG Morningstar TS MKT ETF-US New 0.03% +0.03
GE General Electric New 0.03% +0.03
ICLN iShares Global Clean Energy Add +1.5% 3.46% +0.02
DFSV Dimensional US Small Cap Val Add +7.6% 1.71% +0.02
AMZN Amazon.com Inc. Add +33.2% 0.07% +0.01
BNDX Vanguard Total Intl Bond ETF Add +3.3% 2.64% +0.01
SCHM Schwab US Mid Cap ETF Add +0.1% 0.05% −0.00
NVDA Nvidia Corp. Add +3.5% 0.04% −0.00
BSV Vanguard Short-Term Bond ETF Add +0.0% 0.09% −0.00
IWP iShares Russell Mid-Cap Grow Add +0.0% 0.08% −0.00
DFAU Dimensional US Core Equity M Add +0.0% 0.09% −0.00
IJK iShares S&P Mid-Cap 400 Grow Add +0.1% 0.06% −0.00
F Ford Motor Co. Add +1.4% 0.03% −0.01
VOT Vngrd Mrngstr MC GRW ETF-Usd Add +2.6% 2.41% −0.02
VBR Vngrd Mrngst SL-CP Val ETF-U Add +1.9% 3.08% −0.02
VBK Van Morst SML-Cap Gro-Usd Inc. Add +3.0% 2.65% −0.06
VUG Vanguard Mrngstar GR ETF-Sui Add +2.8% 8.47% −0.26

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