Total Wealth Planning, LLC

In its 13F for Q1 2025 (holdings as of March 31, 2025, filed April 15, 2025), Total Wealth Planning, LLC reported 91 stock positions worth $653.7 million. Its top holding was Schwab US Aggregate Bond ETF (SCHZ) at 13.3% of the portfolio, followed by Vanguard Mrngstr Val ETF-Aui (VTV, 8.0%) and Vanguard Mrngstar GR ETF-Sui (VUG, 8.0%). Compared with Q4 2024, it opened 1 new position, sold out of 3, added to 26 and reduced 54. The biggest buy was Schwab US Aggregate Bond ETF (SCHZ, shares +5%) and the biggest sale Schwab US Large-Cap Growth (SCHG, shares −5%).

Most Recent 13F
Q4 2025
Location
CINCINNATI, OH
CIK
0001762997
Portfolio Value
$653.7M (Q1 2025)
SEC Filing
0001951757-25-000369 ↗ filed Apr 15, 2025

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 $653.7M Q1 2025 Q2 2025: $791.3M Q2 2025 Q3 2025: $864.2M Q3 2025 Q4 2025: $46.7M Q4 2025

Holdings 91 stocks · $653.7M
SCHZ Schwab US Aggregate Bond ETF 13.28% 3,747,793 $86.8M Add +5.0%
VTV Vanguard Mrngstr Val ETF-Aui 8.05% 304,494 $52.6M Add +2.0%
VUG Vanguard Mrngstar GR ETF-Sui 7.96% 140,293 $52.0M Add +1.6%
VCSH Vanguard S/T Corp. Bond ETF 7.57% 626,767 $49.5M Add +1.0%
DFEM Dimensional Emrg MRKT Core 7.08% 1,748,539 $46.3M Add +6.4%
DFIV Dimensional International Va 5.05% 839,021 $33.0M Add +4.2%
DFIS Dimensional International SM 4.23% 1,070,693 $27.7M Add +5.6%
DFLV Dim US Large Cap Value ETF 4.12% 881,072 $26.9M Add +7.7%
VOE Vngrd Mrngstr MD-Cap Val ETF 4.02% 163,750 $26.3M Add +2.3%
JMEE JPM Sma & Mid Cap En Eq Et-U filed as J P MORGAN EXCHANGE TRADED F 3.40% 396,884 $22.2M Add +18.3%
BNDX Vanguard Total Intl Bond ETF 2.84% 380,117 $18.6M Add +2.6%
VBR Vngrd Mrngst SL-CP Val ETF-U 2.83% 99,312 $18.5M Add +2.4%
VBK Van Morst SML-Cap Gro-Usd Inc. 2.48% 64,442 $16.2M Add +0.9%
VOT Vngrd Mrngstr MC GRW ETF-Usd 2.39% 63,860 $15.6M Reduce -0.2%
DFGR Dim Global Real Estate ETF 2.16% 536,792 $14.1M Add +11.0%
DFSV Dimensional US Small Cap Val 1.76% 408,451 $11.5M Add +7.1%
SCHV Schwab US Large-Cap Value 1.16% 285,238 $7.6M Reduce -2.5%
SCHG Schwab US Large-Cap Growth 1.14% 298,478 $7.5M Reduce -4.7%
MDYV SS SPDR S&P 400 MC Val ETF 1.13% 95,523 $7.4M Reduce -2.3%
IGSB iShares 1-5Y Inv Grade Corp. 1.11% 138,616 $7.3M Reduce -3.3%
AVEM Avantis Emerging Markets Eq 1.06% 115,578 $7.0M Reduce -2.8%
VNQ Vanguard Real Estate ETF 0.95% 68,709 $6.2M Reduce -0.5%
VNQI Vanguard GLBL Ex-US Real Est 0.86% 139,142 $5.6M Add +1.1%
DFUV Dimensional US Marketwide Va 0.76% 120,268 $5.0M Reduce -3.0%
IVW iShares S&P 500 Growth ETF 0.70% 49,372 $4.6M Reduce -4.0%
IGF iShares Global Infrastructur 0.69% 82,386 $4.5M Reduce -3.1%
MDYG SS SPDR S&P 400 MC GR ETF 0.66% 54,187 $4.3M Reduce -1.9%
BND Vanguard Total Bond Market 0.65% 57,617 $4.2M Add +5.1%
AVLV Avantis US Large Cap Value 0.59% 59,183 $3.9M Reduce -1.4%
PG The Procter & Gamble Co. 0.56% 21,380 $3.6M Reduce -2.3%
AVIV Avantis Intl LRG Cap Val ETF 0.50% 58,113 $3.3M Reduce -6.7%
DFAT Dimensional US Target Value 0.50% 63,874 $3.3M Reduce -2.7%
SCZ iShares MSCI Eafe Small-Cap 0.50% 51,030 $3.2M Reduce -5.1%
VTIP Vanguard Short-Term Tips 0.49% 64,745 $3.2M Reduce -5.0%
SLYV SS SPDR S&P 600 SC Val ETF 0.46% 38,203 $3.0M Reduce -2.4%
IWF iShares Russell 1000 Growth 0.39% 7,052 $2.5M Reduce -3.0%
SPSB SS SPDR P St C Corp. ETF 0.35% 76,343 $2.3M Reduce -1.6%
EFG iShares MSCI Eafe Growth ETF 0.32% 20,616 $2.1M Reduce -3.6%
CVX Chevron Corp. 0.28% 11,053 $1.8M Reduce -0.1%
DFAE Dimensional Emerging Core Eq 0.27% 69,243 $1.8M Reduce -0.6%
IVE iShares S&P 500 Value ETF 0.27% 9,094 $1.7M Reduce -11.2%
AVUV Avantis US Small Cap Value 0.22% 16,267 $1.4M Reduce -0.8%
VT Vanguard Tot World STK ETF 0.20% 11,422 $1.3M Reduce -17.6%
DFAI Dimensional International Co. 0.20% 41,920 $1.3M Reduce -4.3%
RWO State Street SPDR Dow Jones 0.20% 29,315 $1.3M Reduce -11.7%
AGG iShares Core U.S. Aggregate 0.19% 12,805 $1.3M Reduce -1.0%
IWO iShares Russell 2000 Growth 0.19% 4,914 $1.3M Reduce -5.1%
DFIP Dimensional Inflation-Protec 0.19% 29,592 $1.2M Add +2.4%
IAGG iShares Intl Aggregate Bond 0.18% 23,394 $1.2M Reduce -0.4%
SLYG SS SPDR S&P 600 SC GR ETF 0.18% 13,862 $1.2M Reduce -2.3%
AAPL Apple Inc. 0.17% 5,139 $1.1M Reduce -11.8%
SUB iShares Short-Term National 0.14% 8,371 $884K Add +0.7%
QQQ Invesco QQQ Trust Series 1 0.12% 1,610 $755K No change
DFAS Dimensional US Small Cap ETF 0.11% 12,503 $747K Reduce -4.0%
DFAW Dimensional World Eqty ETF 0.10% 10,987 $673K Add +19.5%
IJR iShares Core S&P Small-Cap E 0.10% 6,418 $671K Reduce -0.6%
IVV iShares Core S&P 500 ETF 0.09% 1,088 $611K No change
IJJ iShares S&P Mid-Cap 400 Valu 0.09% 4,830 $578K No change
BSV Vanguard Short-Term Bond ETF 0.08% 7,027 $550K Add +0.0%
IWP iShares Russell Mid-Cap Grow 0.08% 4,490 $528K Reduce -1.6%
TSLA Tesla Inc. 0.08% 1,987 $515K Add +2.9%
REET iShares Global REIT ETF 0.08% 20,884 $507K Reduce -6.8%
VWO Vanguard Ftse Emerging Marke 0.08% 11,186 $506K Reduce -5.4%
VIG Vanguard Dividend Apprec ETF 0.08% 2,548 $494K Reduce -4.9%
DFAU Dimensional US Core Equity M 0.07% 12,681 $487K Reduce -2.9%
IJT iShares S&P Small-Cap 600 GR 0.07% 3,707 $462K Reduce -3.6%
NOC Northrop Grumman Corp. 0.07% 887 $454K Reduce -23.1%
IWS iShares Russell Mid-Cap Valu 0.07% 3,562 $449K Reduce -3.3%
MSFT Microsoft Corp. 0.06% 1,108 $416K Reduce -4.1%
UCON First Trust Smith Unconstrai 0.06% 16,400 $406K No change
VEA Vanguard Ftse Developed ETF 0.06% 7,614 $387K Reduce -1.0%
IJK iShares S&P Mid-Cap 400 Grow 0.05% 4,132 $344K Add +0.0%
IWN iShares Russell 2000 Value E 0.05% 2,268 $342K No change
JNJ Johnson & Johnson 0.05% 1,994 $331K Reduce -0.5%
IEFA iShares Core MSCI Eafe ETF 0.05% 4,173 $316K No change
IWD iShares Russell 1000 Value E 0.05% 1,635 $308K No change
SPY SS SPDR S&P 500 ETF Trust-US 0.05% 548 $307K Reduce -4.2%
VV Vngrd Mrgstr LRG-Cap ETF-Usd 0.05% 1,167 $300K No change
VB Vanguard Most SM-Cap ETF-Usd 0.05% 1,336 $296K Reduce -1.8%
SCHM Schwab US Mid Cap ETF 0.04% 10,980 $288K Reduce -1.5%
AMZN Amazon.com Inc. 0.04% 1,503 $286K Reduce -9.3%
EFV iShares MSCI Eafe Value ETF 0.04% 4,675 $276K No change
DFAX Dimensional World Ex US Core 0.04% 10,486 $275K Reduce -12.5%
XOM Exxon Mobil Corp. 0.04% 2,294 $273K Add +0.4%
CINF Cincinnati Financial Corp. 0.04% 1,754 $259K Add +13.4%
NVDA Nvidia Corp. 0.04% 2,388 $259K Add +7.7%
DLS Wisdomtree Intl S/C DVD Fund 0.04% 3,669 $242K Reduce -5.6%
BRK.B Berkshire Hathaway Inc. Class B 0.03% 428 $228K New
EFA iShares MSCI Eafe ETF 0.03% 2,549 $208K Reduce -27.7%
ICLN iShares Global Clean Energy 0.03% 15,616 $178K Reduce -18.4%
UEC Uranium Energy Corp. 0.01% 10,000 $48K No change

Portfolio Sells Q4 2024 → Q1 2025
SCHG Schwab US Large-Cap Growth Reduce -4.7% 1.14% −0.22
VOT Vngrd Mrngstr MC GRW ETF-Usd Reduce -0.2% 2.39% −0.14
IVW iShares S&P 500 Growth ETF Reduce -4.0% 0.70% −0.11
MDYV SS SPDR S&P 400 MC Val ETF Reduce -2.3% 1.13% −0.10
MDYG SS SPDR S&P 400 MC GR ETF Reduce -1.9% 0.66% −0.09
SLYV SS SPDR S&P 600 SC Val ETF Reduce -2.4% 0.46% −0.07
DFAT Dimensional US Target Value Reduce -2.7% 0.50% −0.07
IWF iShares Russell 1000 Growth Reduce -3.0% 0.39% −0.07
AAPL Apple Inc. Reduce -11.8% 0.17% −0.05
VT Vanguard Tot World STK ETF Reduce -17.6% 0.20% −0.05
IGSB iShares 1-5Y Inv Grade Corp. Reduce -3.3% 1.11% −0.04
IWO iShares Russell 2000 Growth Reduce -5.1% 0.19% −0.04
IVE iShares S&P 500 Value ETF Reduce -11.2% 0.27% −0.04
GUNR NT Mstar GLBL NR ETF Sold out 0.00% −0.04
AVLV Avantis US Large Cap Value Reduce -1.4% 0.59% −0.03
F Ford Motor Co. Sold out 0.00% −0.03
VTI VG Morningstar TS MKT ETF-US Sold out 0.00% −0.03
DFUV Dimensional US Marketwide Va Reduce -3.0% 0.76% −0.03
AVUV Avantis US Small Cap Value Reduce -0.8% 0.22% −0.03
SCHV Schwab US Large-Cap Value Reduce -2.5% 1.16% −0.03
RWO State Street SPDR Dow Jones Reduce -11.7% 0.20% −0.03
AVEM Avantis Emerging Markets Eq Reduce -2.8% 1.06% −0.03
SLYG SS SPDR S&P 600 SC GR ETF Reduce -2.3% 0.18% −0.02
VTIP Vanguard Short-Term Tips Reduce -5.0% 0.49% −0.02
DFAS Dimensional US Small Cap ETF Reduce -4.0% 0.11% −0.02
NOC Northrop Grumman Corp. Reduce -23.1% 0.07% −0.01
PG The Procter & Gamble Co. Reduce -2.3% 0.56% −0.01
IJR iShares Core S&P Small-Cap E Reduce -0.6% 0.10% −0.01
AMZN Amazon.com Inc. Reduce -9.3% 0.04% −0.01
SCZ iShares MSCI Eafe Small-Cap Reduce -5.1% 0.50% −0.01
MSFT Microsoft Corp. Reduce -4.1% 0.06% −0.01
IJT iShares S&P Small-Cap 600 GR Reduce -3.6% 0.07% −0.01
EFA iShares MSCI Eafe ETF Reduce -27.7% 0.03% −0.01
IWP iShares Russell Mid-Cap Grow Reduce -1.6% 0.08% −0.01
SPSB SS SPDR P St C Corp. ETF Reduce -1.6% 0.35% −0.01
DFAU Dimensional US Core Equity M Reduce -2.9% 0.07% −0.01
EFG iShares MSCI Eafe Growth ETF Reduce -3.6% 0.32% −0.01
VNQ Vanguard Real Estate ETF Reduce -0.5% 0.95% −0.01
ICLN iShares Global Clean Energy Reduce -18.4% 0.03% −0.01
REET iShares Global REIT ETF Reduce -6.8% 0.08% −0.01
VIG Vanguard Dividend Apprec ETF Reduce -4.9% 0.08% −0.01
IWS iShares Russell Mid-Cap Valu Reduce -3.3% 0.07% −0.01
VB Vanguard Most SM-Cap ETF-Usd Reduce -1.8% 0.05% −0.01
SPY SS SPDR S&P 500 ETF Trust-US Reduce -4.2% 0.05% −0.01
DFAX Dimensional World Ex US Core Reduce -12.5% 0.04% −0.00
SCHM Schwab US Mid Cap ETF Reduce -1.5% 0.04% −0.00
IAGG iShares Intl Aggregate Bond Reduce -0.4% 0.18% −0.00
VWO Vanguard Ftse Emerging Marke Reduce -5.4% 0.08% −0.00
IGF iShares Global Infrastructur Reduce -3.1% 0.69% −0.00
AGG iShares Core U.S. Aggregate Reduce -1.0% 0.19% −0.00

Portfolio Buys Q4 2024 → Q1 2025
SCHZ Schwab US Aggregate Bond ETF Add +5.0% 13.28% +0.66
DFIV Dimensional International Va Add +4.2% 5.05% +0.60
DFEM Dimensional Emrg MRKT Core Add +6.4% 7.08% +0.38
DFIS Dimensional International SM Add +5.6% 4.23% +0.35
DFLV Dim US Large Cap Value ETF Add +7.7% 4.12% +0.29
JMEE JPM Sma & Mid Cap En Eq Et-U Add +18.3% 3.40% +0.24
DFGR Dim Global Real Estate ETF Add +11.0% 2.16% +0.23
VTV Vanguard Mrngstr Val ETF-Aui Add +2.0% 8.05% +0.17
BRK.B Berkshire Hathaway Inc. Class B New 0.03% +0.03
BND Vanguard Total Bond Market Add +5.1% 0.65% +0.03
VCSH Vanguard S/T Corp. Bond ETF Add +1.0% 7.57% +0.03
DFAW Dimensional World Eqty ETF Add +19.5% 0.10% +0.01
VNQI Vanguard GLBL Ex-US Real Est Add +1.1% 0.86% +0.01
BNDX Vanguard Total Intl Bond ETF Add +2.6% 2.84% +0.01
DFIP Dimensional Inflation-Protec Add +2.4% 0.19% +0.01
CINF Cincinnati Financial Corp. Add +13.4% 0.04% +0.01
XOM Exxon Mobil Corp. Add +0.4% 0.04% +0.00
BSV Vanguard Short-Term Bond ETF Add +0.0% 0.08% −0.00
SUB iShares Short-Term National Add +0.7% 0.14% −0.00
IJK iShares S&P Mid-Cap 400 Grow Add +0.0% 0.05% −0.01
NVDA Nvidia Corp. Add +7.7% 0.04% −0.01
VOE Vngrd Mrngstr MD-Cap Val ETF Add +2.3% 4.02% −0.01
TSLA Tesla Inc. Add +2.9% 0.08% −0.04
DFSV Dimensional US Small Cap Val Add +7.1% 1.76% −0.07
VBR Vngrd Mrngst SL-CP Val ETF-U Add +2.4% 2.83% −0.16
VBK Van Morst SML-Cap Gro-Usd Inc. Add +0.9% 2.48% −0.30
VUG Vanguard Mrngstar GR ETF-Sui Add +1.6% 7.96% −0.87

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