Total Wealth Planning, LLC

In its 13F for Q3 2025 (holdings as of September 30, 2025, filed October 17, 2025), Total Wealth Planning, LLC reported 109 stock positions worth $864.2 million. Its top holding was Schwab US Aggregate Bond ETF (SCHZ) at 11.2% of the portfolio, followed by Vanguard Mrngstar GR ETF-Sui (VUG, 8.2%) and Vanguard Mrngstr Val ETF-Aui (VTV, 7.0%). Compared with Q2 2025, it opened 5 new positions, sold out of 1, added to 51 and reduced 38. The biggest buy was iShares Russell 1000 Growth (IWF, shares +15%) and the biggest sale Vanguard Mrngstar GR ETF-Sui (VUG, shares −4%).

Most Recent 13F
Q4 2025
Location
CINCINNATI, OH
CIK
0001762997
Portfolio Value
$864.2M (Q3 2025)
SEC Filing
0001951757-25-001163 ↗ filed Oct 17, 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 Q1 2025 Q2 2025: $791.3M Q2 2025 Q3 2025: $864.2M $864.2M Q3 2025 Q4 2025: $46.7M Q4 2025

Holdings 109 stocks · $864.2M
SCHZ Schwab US Aggregate Bond ETF 11.24% 4,138,120 $97.1M Add +8.7%
VUG Vanguard Mrngstar GR ETF-Sui 8.21% 147,930 $70.9M Reduce -3.8%
VTV Vanguard Mrngstr Val ETF-Aui 6.98% 323,605 $60.3M Add +2.1%
DFEM Dimensional Emrg MRKT Core 6.84% 1,844,234 $59.1M Add +1.4%
VCSH Vanguard S/T Corp. Bond ETF 5.98% 646,376 $51.7M Add +5.4%
DFIV Dimensional International Va 4.70% 881,021 $40.6M Add +3.3%
DFIS Dimensional International SM 4.16% 1,136,870 $36.0M Add +4.9%
DFLV Dim US Large Cap Value ETF 4.03% 1,057,343 $34.8M Add +7.1%
VOE Vngrd Mrngstr MD-Cap Val ETF 3.50% 173,377 $30.3M Add +2.8%
JMEE JPM Sma & Mid Cap En Eq Et-U filed as J P MORGAN EXCHANGE TRADED F 3.49% 475,078 $30.1M Add +7.4%
LLY Eli Lilly & Co. 2.82% 31,948 $24.4M Add +3.0%
VBR Vngrd Mrngst SL-CP Val ETF-U 2.62% 108,675 $22.7M Add +0.9%
BNDX Vanguard Total Intl Bond ETF 2.36% 412,046 $20.4M Add +7.3%
VBK Van Morst SML-Cap Gro-Usd Inc. 2.36% 68,433 $20.4M Add +0.7%
VOT Vngrd Mrngstr MC GRW ETF-Usd 2.21% 64,943 $19.1M Reduce -0.3%
DFGR Dim Global Real Estate ETF 1.94% 614,754 $16.8M Add +7.9%
DFSV Dimensional US Small Cap Val 1.88% 510,370 $16.3M Add +2.4%
IWF iShares Russell 1000 Growth 1.74% 32,115 $15.0M Add +14.9%
AVUV Avantis US Small Cap Value 1.47% 127,351 $12.7M Add +11.9%
SCHG Schwab US Large-Cap Growth 1.05% 283,590 $9.0M Reduce -5.4%
SCHV Schwab US Large-Cap Value 1.04% 309,704 $9.0M Reduce -0.9%
AVEM Avantis Emerging Markets Eq 0.97% 112,051 $8.4M Reduce -6.6%
MDYV SS SPDR S&P 400 MC Val ETF 0.96% 99,704 $8.3M Reduce -2.3%
GLD SPDR Gold Shares 0.88% 21,457 $7.6M Add +14.4%
VNQI Vanguard GLBL Ex-US Real Est 0.81% 146,340 $7.0M Reduce -1.0%
IGSB iShares 1-5Y Inv Grade Corp. 0.76% 124,194 $6.6M Reduce -1.4%
SCZ iShares MSCI Eafe Small-Cap 0.74% 83,839 $6.4M Add +6.6%
IWD iShares Russell 1000 Value E 0.73% 30,910 $6.3M Add +29.8%
VNQ Vanguard Real Estate ETF 0.71% 67,310 $6.2M Reduce -0.4%
IVW iShares S&P 500 Growth ETF 0.63% 45,284 $5.5M Reduce -7.1%
AVLV Avantis US Large Cap Value 0.60% 72,020 $5.2M Reduce -1.5%
DFUV Dimensional US Marketwide Va 0.59% 113,917 $5.1M Reduce -2.0%
IGF iShares Global Infrastructur 0.58% 81,891 $5.0M Add +1.4%
MDYG SS SPDR S&P 400 MC GR ETF 0.56% 52,395 $4.8M Reduce -2.8%
BND Vanguard Total Bond Market 0.53% 61,183 $4.6M Add +9.3%
IJT iShares S&P Small-Cap 600 GR 0.49% 29,901 $4.2M Add +23.8%
SCHD Schwab US DVD Equity ETF 0.44% 138,351 $3.8M Add +13.2%
AVIV Avantis Intl LRG Cap Val ETF 0.43% 55,473 $3.7M Reduce -2.2%
PG The Procter & Gamble Co. 0.42% 23,628 $3.6M Add +8.4%
DFAT Dimensional US Target Value 0.41% 61,587 $3.6M Reduce -0.7%
SLYV SS SPDR S&P 600 SC Val ETF 0.40% 39,271 $3.5M Reduce -4.3%
IEFA iShares Core MSCI Eafe ETF 0.33% 32,569 $2.8M Add +29.0%
JPM JPMorgan Chase & Co. 0.33% 8,960 $2.8M Add +0.7%
EMXC iShares MSCI Emr MRK Ex Chna 0.33% 41,693 $2.8M Add +21.8%
VTIP Vanguard Short-Term Tips 0.30% 52,002 $2.6M Reduce -4.0%
EFG iShares MSCI Eafe Growth ETF 0.29% 22,198 $2.5M Add +3.1%
SPSB SS SPDR P St C Corp. ETF 0.24% 69,515 $2.1M Add +1.0%
DFAE Dimensional Emerging Core Eq 0.23% 62,925 $2.0M Reduce -7.3%
IVE iShares S&P 500 Value ETF 0.22% 9,043 $1.9M Reduce -0.4%
IWN iShares Russell 2000 Value E 0.20% 9,725 $1.7M Reduce -0.3%
CVX Chevron Corp. 0.20% 10,966 $1.7M Add +0.3%
SLYG SS SPDR S&P 600 SC GR ETF 0.19% 17,695 $1.7M Reduce -1.7%
VTI VG Morningstar TS MKT ETF-US 0.19% 5,038 $1.7M Add +17.6%
AAPL Apple Inc. 0.19% 6,404 $1.6M Add +22.4%
IWO iShares Russell 2000 Growth 0.18% 4,968 $1.6M Add +5.8%
DFAI Dimensional International Co. 0.16% 37,005 $1.3M Reduce -3.6%
RWO State Street SPDR Dow Jones 0.14% 26,088 $1.2M Reduce -2.3%
IAGG iShares Intl Aggregate Bond 0.14% 23,040 $1.2M Add +0.4%
TSLA Tesla Inc. 0.12% 2,333 $1.0M Add +19.0%
AGG iShares Core U.S. Aggregate 0.11% 9,746 $977K Add +5.1%
DFIP Dimensional Inflation-Protec 0.11% 22,389 $946K Add +4.1%
QQQ Invesco QQQ Trust Series 1 0.11% 1,563 $939K Reduce -1.1%
IJS iShares S&P Small-Cap 600 Va 0.11% 8,399 $929K Add +6.4%
DFAS Dimensional US Small Cap ETF 0.10% 13,183 $903K Reduce -0.1%
VT Vanguard Tot World STK ETF 0.09% 5,847 $806K Reduce -15.8%
IJR iShares Core S&P Small-Cap E 0.09% 6,764 $804K Add +7.8%
SUB iShares Short-Term National 0.09% 7,462 $797K Reduce -4.2%
MSFT Microsoft Corp. 0.09% 1,490 $772K Add +25.3%
ISRG Intuitive Surgical Inc. 0.09% 1,723 $771K New
IJJ iShares S&P Mid-Cap 400 Valu 0.07% 4,830 $627K No change
NVDA Nvidia Corp. 0.07% 3,147 $587K Add +41.4%
VWO Vanguard Ftse Emerging Marke 0.07% 10,605 $575K Add +4.0%
VIG Vanguard Dividend Apprec ETF 0.07% 2,647 $571K Add +3.9%
NOC Northrop Grumman Corp. 0.06% 887 $540K No change
DFAW Dimensional World Eqty ETF 0.06% 7,465 $536K Reduce -23.9%
BSV Vanguard Short-Term Bond ETF 0.06% 6,788 $536K Add +15.3%
IWS iShares Russell Mid-Cap Valu 0.06% 3,819 $533K Reduce -0.9%
VEA Vanguard Ftse Developed ETF 0.06% 8,896 $533K Reduce -1.0%
REET iShares Global REIT ETF 0.06% 20,324 $519K Reduce -0.2%
IWP iShares Russell Mid-Cap Grow 0.06% 3,608 $514K Reduce -10.8%
ITOT iShares Core S&P Total U.S. 0.06% 3,296 $480K No change
AMZN Amazon.com Inc. 0.06% 2,165 $475K Add +50.0%
IVV iShares Core S&P 500 ETF 0.05% 693 $464K No change
UCON First Trust Smith Unconstrai 0.05% 17,605 $443K No change
SPY SS SPDR S&P 500 ETF Trust-US 0.05% 620 $413K Reduce -5.3%
DFAU Dimensional US Core Equity M 0.05% 9,004 $412K Reduce -9.3%
IJK iShares S&P Mid-Cap 400 Grow 0.05% 4,134 $396K Add +0.0%
XOM Exxon Mobil Corp. 0.04% 3,421 $386K No change
UL Unilever PLC 0.04% 5,793 $343K No change
DFAX Dimensional World Ex US Core 0.04% 10,486 $329K No change
VB Vanguard Most SM-Cap ETF-Usd 0.04% 1,291 $328K Reduce -3.8%
JNJ Johnson & Johnson 0.04% 1,759 $326K Reduce -13.2%
SPTM SS SPDR P S&P 1500 Comp ETF 0.04% 3,879 $313K New
MMM 3M Co. 0.04% 2,000 $310K No change
BRK.B Berkshire Hathaway Inc. Class B 0.04% 606 $305K Add +8.8%
TJX TJX Companies Inc. filed as TJX COS INC NEW 0.04% 2,101 $304K Add +6.7%
PM Philip Morris International 0.03% 1,700 $276K No change
VOO Vanguard S&P 500 ETF 0.03% 449 $275K New
CINF Cincinnati Financial Corp. 0.03% 1,731 $274K No change
SCHM Schwab US Mid Cap ETF 0.03% 9,106 $270K Reduce -10.2%
DLS Wisdomtree Intl S/C DVD Fund 0.03% 3,276 $260K No change
NFLX Netflix Inc. 0.03% 216 $259K Add +3.9%
VO Vngrd Mrngstr MD-Cap ETF-Usd 0.03% 857 $252K Add +4.1%
EFA iShares MSCI Eafe ETF 0.03% 2,552 $238K No change
META Meta Platforms Inc. Class A 0.03% 317 $233K New
EFV iShares MSCI Eafe Value ETF 0.03% 3,401 $231K No change
AVGO Broadcom Inc. 0.02% 645 $213K New
ICLN iShares Global Clean Energy 0.02% 11,533 $179K Reduce -18.6%
UEC Uranium Energy Corp. 0.02% 10,000 $133K No change

Portfolio Sells Q2 2025 → Q3 2025
VUG Vanguard Mrngstar GR ETF-Sui Reduce -3.8% 8.21% −0.31
VOT Vngrd Mrngstr MC GRW ETF-Usd Reduce -0.3% 2.21% −0.13
IGSB iShares 1-5Y Inv Grade Corp. Reduce -1.4% 0.76% −0.08
AVEM Avantis Emerging Markets Eq Reduce -6.6% 0.97% −0.07
MDYV SS SPDR S&P 400 MC Val ETF Reduce -2.3% 0.96% −0.06
SCHG Schwab US Large-Cap Growth Reduce -5.4% 1.05% −0.06
VNQI Vanguard GLBL Ex-US Real Est Reduce -1.0% 0.81% −0.05
SCHV Schwab US Large-Cap Value Reduce -0.9% 1.04% −0.05
VNQ Vanguard Real Estate ETF Reduce -0.4% 0.71% −0.05
IVW iShares S&P 500 Growth ETF Reduce -7.1% 0.63% −0.05
VTIP Vanguard Short-Term Tips Reduce -4.0% 0.30% −0.04
MDYG SS SPDR S&P 400 MC GR ETF Reduce -2.8% 0.56% −0.04
DFUV Dimensional US Marketwide Va Reduce -2.0% 0.59% −0.03
AVLV Avantis US Large Cap Value Reduce -1.5% 0.60% −0.03
CMI Cummins Inc. Sold out 0.00% −0.03
DFAW Dimensional World Eqty ETF Reduce -23.9% 0.06% −0.02
VT Vanguard Tot World STK ETF Reduce -15.8% 0.09% −0.02
DFAE Dimensional Emerging Core Eq Reduce -7.3% 0.23% −0.02
AVIV Avantis Intl LRG Cap Val ETF Reduce -2.2% 0.43% −0.01
SUB iShares Short-Term National Reduce -4.2% 0.09% −0.01
DFAI Dimensional International Co. Reduce -3.6% 0.16% −0.01
IWP iShares Russell Mid-Cap Grow Reduce -10.8% 0.06% −0.01
SLYV SS SPDR S&P 600 SC Val ETF Reduce -4.3% 0.40% −0.01
RWO State Street SPDR Dow Jones Reduce -2.3% 0.14% −0.01
SLYG SS SPDR S&P 600 SC GR ETF Reduce -1.7% 0.19% −0.01
IVE iShares S&P 500 Value ETF Reduce -0.4% 0.22% −0.01
DFAT Dimensional US Target Value Reduce -0.7% 0.41% −0.01
DFAU Dimensional US Core Equity M Reduce -9.3% 0.05% −0.01
SCHM Schwab US Mid Cap ETF Reduce -10.2% 0.03% −0.00
REET iShares Global REIT ETF Reduce -0.2% 0.06% −0.00
SPY SS SPDR S&P 500 ETF Trust-US Reduce -5.3% 0.05% −0.00
VEA Vanguard Ftse Developed ETF Reduce -1.0% 0.06% −0.00
ICLN iShares Global Clean Energy Reduce -18.6% 0.02% −0.00
IWS iShares Russell Mid-Cap Valu Reduce -0.9% 0.06% −0.00
VB Vanguard Most SM-Cap ETF-Usd Reduce -3.8% 0.04% −0.00
DFAS Dimensional US Small Cap ETF Reduce -0.1% 0.10% −0.00
QQQ Invesco QQQ Trust Series 1 Reduce -1.1% 0.11% −0.00
JNJ Johnson & Johnson Reduce -13.2% 0.04% −0.00
IWN iShares Russell 2000 Value E Reduce -0.3% 0.20% +0.00

Portfolio Buys Q2 2025 → Q3 2025
IWF iShares Russell 1000 Growth Add +14.9% 1.74% +0.24
JMEE JPM Sma & Mid Cap En Eq Et-U Add +7.4% 3.49% +0.18
GLD SPDR Gold Shares Add +14.4% 0.88% +0.16
AVUV Avantis US Small Cap Value Add +11.9% 1.47% +0.16
DFLV Dim US Large Cap Value ETF Add +7.1% 4.03% +0.16
IWD iShares Russell 1000 Value E Add +29.8% 0.73% +0.14
ISRG Intuitive Surgical Inc. New 0.09% +0.09
DFIV Dimensional International Va Add +3.3% 4.70% +0.09
IJT iShares S&P Small-Cap 600 GR Add +23.8% 0.49% +0.08
DFIS Dimensional International SM Add +4.9% 4.16% +0.07
IEFA iShares Core MSCI Eafe ETF Add +29.0% 0.33% +0.06
SCHZ Schwab US Aggregate Bond ETF Add +8.7% 11.24% +0.05
AAPL Apple Inc. Add +22.4% 0.19% +0.05
EMXC iShares MSCI Emr MRK Ex Chna Add +21.8% 0.33% +0.05
TSLA Tesla Inc. Add +19.0% 0.12% +0.04
SPTM SS SPDR P S&P 1500 Comp ETF New 0.04% +0.04
VOO Vanguard S&P 500 ETF New 0.03% +0.03
SCHD Schwab US DVD Equity ETF Add +13.2% 0.44% +0.03
META Meta Platforms Inc. Class A New 0.03% +0.03
VTI VG Morningstar TS MKT ETF-US Add +17.6% 0.19% +0.03
DFSV Dimensional US Small Cap Val Add +2.4% 1.88% +0.03
AVGO Broadcom Inc. New 0.02% +0.02
NVDA Nvidia Corp. Add +41.4% 0.07% +0.02
DFEM Dimensional Emrg MRKT Core Add +1.4% 6.84% +0.02
SCZ iShares MSCI Eafe Small-Cap Add +6.6% 0.74% +0.02
AMZN Amazon.com Inc. Add +50.0% 0.06% +0.01
MSFT Microsoft Corp. Add +25.3% 0.09% +0.01
IWO iShares Russell 2000 Growth Add +5.8% 0.18% +0.01
DFGR Dim Global Real Estate ETF Add +7.9% 1.94% +0.01
IJS iShares S&P Small-Cap 600 Va Add +6.4% 0.11% +0.01
IJR iShares Core S&P Small-Cap E Add +7.8% 0.09% +0.01
BND Vanguard Total Bond Market Add +9.3% 0.53% +0.01
TJX TJX Companies Inc. Add +6.7% 0.04% +0.00
BSV Vanguard Short-Term Bond ETF Add +15.3% 0.06% +0.00
VWO Vanguard Ftse Emerging Marke Add +4.0% 0.07% +0.00
BRK.B Berkshire Hathaway Inc. Class B Add +8.8% 0.04% +0.00
JPM JPMorgan Chase & Co. Add +0.7% 0.33% +0.00
VIG Vanguard Dividend Apprec ETF Add +3.9% 0.07% +0.00
VO Vngrd Mrngstr MD-Cap ETF-Usd Add +4.1% 0.03% 0.00
CVX Chevron Corp. Add +0.3% 0.20% −0.00
IJK iShares S&P Mid-Cap 400 Grow Add +0.0% 0.05% −0.00
VOE Vngrd Mrngstr MD-Cap Val ETF Add +2.8% 3.50% −0.00
AGG iShares Core U.S. Aggregate Add +5.1% 0.11% −0.00
DFIP Dimensional Inflation-Protec Add +4.1% 0.11% −0.00
NFLX Netflix Inc. Add +3.9% 0.03% −0.01
IAGG iShares Intl Aggregate Bond Add +0.4% 0.14% −0.01
EFG iShares MSCI Eafe Growth ETF Add +3.1% 0.29% −0.01
PG The Procter & Gamble Co. Add +8.4% 0.42% −0.02
SPSB SS SPDR P St C Corp. ETF Add +1.0% 0.24% −0.02
VBK Van Morst SML-Cap Gro-Usd Inc. Add +0.7% 2.36% −0.02

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