XY Planning Network, Inc.
In its 13F for Q4 2025 (holdings as of December 31, 2025, filed January 26, 2026), XY Planning Network, Inc. reported 248 stock positions worth $573.8 million. Its top holding was VG Morningstar TS MKT ETF-US (VTI) at 6.7% of the portfolio, followed by Dimensional US Core Equity 2 (DFAC, 6.3%) and Vanguard S&P 500 ETF (VOO, 4.4%). Compared with Q3 2025, it opened 85 new positions, sold out of 10, added to 125 and reduced 34. The biggest buy was Vanguard S&P 500 ETF (VOO, shares +300%) and the biggest sale iShares Core S&P 500 ETF (IVV, shares −23%).
- Most Recent 13F
- Q2 2026
- Location
- BOZEMAN, MT
- CIK
- 0001873438
- Portfolio Value
- $573.8M (Q4 2025)
- SEC Filing
- 0001754960-26-000116 ↗ filed Jan 26, 2026
Holdings Value
Holdings 248 stocks · $573.8M
| VTI VG Morningstar TS MKT ETF-US | 6.70% | 114,709 | $38.5M | Add +66.5% |
| DFAC Dimensional US Core Equity 2 | 6.33% | 917,707 | $36.3M | Add +101.0% |
| VOO Vanguard S&P 500 ETF | 4.42% | 40,432 | $25.4M | Add +299.6% |
| DFIC Dimensional International Co. | 2.87% | 478,664 | $16.5M | Add +165.1% |
| VEA Vanguard Ftse Developed ETF | 2.74% | 251,855 | $15.7M | Add +89.1% |
| VCIT Vanguard Int-Term Corporate | 2.72% | 186,690 | $15.6M | Add +56.4% |
| DFCF Dimensional Core Fixed Inc. | 1.99% | 268,242 | $11.4M | Add +18.0% |
| VXUS Vanguard Total Intl Stock | 1.83% | 138,955 | $10.5M | Add +148.1% |
| SPY SS SPDR S&P 500 ETF Trust-US | 1.74% | 14,610 | $10.0M | Add +21.0% |
| BNDX Vanguard Total Intl Bond ETF | 1.71% | 203,212 | $9.8M | Add +215.7% |
| MUNI PIMCO Intermediate Municipal | 1.71% | 187,252 | $9.8M | Add +30.5% |
| SPMD SS SPDR P S&P 400 Midcap ETF | 1.69% | 167,277 | $9.7M | Add +102.5% |
| VWO Vanguard Ftse Emerging Marke | 1.43% | 152,745 | $8.2M | Add +50.7% |
| DFGR Dim Global Real Estate ETF | 1.43% | 310,046 | $8.2M | Add +63.9% |
| DFEM Dimensional Emrg MRKT Core | 1.38% | 239,806 | $7.9M | Add +123.2% |
| DFUS Dimensional US Eq MKT ETF | 1.37% | 106,107 | $7.9M | Add +58.1% |
| VTIP Vanguard Short-Term Tips | 1.23% | 143,100 | $7.1M | Add +72.5% |
| DCOR Dimensional US Core Eq 1 ETF | 1.23% | 96,059 | $7.1M | Add +628.9% |
| VUG Vanguard Mrngstar GR ETF-Sui | 1.22% | 14,346 | $7.0M | Add +18.8% |
| AAPL Apple Inc. | 1.21% | 25,550 | $6.9M | Add +49.8% |
| IVV iShares Core S&P 500 ETF | 1.20% | 10,021 | $6.9M | Reduce -23.3% |
| NVDA Nvidia Corp. | 1.16% | 35,735 | $6.7M | Add +130.5% |
| XMHQ Invesco S&P Midcap Qual ETF | 1.04% | 58,488 | $6.0M | Add +418.2% |
| AVDV Avantis Intl S/C Value ETF | 1.04% | 63,728 | $6.0M | Add +5.1% |
| VGSH Vanguard Short-Term Treasury | 1.00% | 97,506 | $5.7M | Add +80.9% |
| SPTI SS SPDR P Int Term TSY ETF | 0.95% | 188,809 | $5.4M | Add +668.8% |
| VCSH Vanguard S/T Corp. Bond ETF | 0.89% | 63,865 | $5.1M | Add +84.7% |
| SPSM SS SPDR P S&P 600 Small Cap | 0.86% | 105,459 | $4.9M | Add +241.3% |
| DFSV Dimensional US Small Cap Val | 0.81% | 141,075 | $4.6M | Reduce -1.4% |
| SCHZ Schwab US Aggregate Bond ETF | 0.81% | 198,341 | $4.6M | New |
| DFAX Dimensional World Ex US Core | 0.77% | 134,294 | $4.4M | Reduce -2.3% |
| ANFIELD US EQUITY SECTOR ROT | 0.69% | 233,715 | $4.0M | Reduce -1.3% |
| VT Vanguard Tot World STK ETF | 0.69% | 27,941 | $3.9M | Add +111.1% |
| DYNF Ishrs US E F R A ETF-Usd Inc. | 0.65% | 61,222 | $3.7M | New |
| TPIF Timothy Plan Intl ETF | 0.65% | 106,984 | $3.7M | Add +4.7% |
| DFSD Dimensional Short Duration | 0.63% | 74,951 | $3.6M | Add +8.1% |
| SPHQ Invesco S&P 500 Quality ETF | 0.62% | 47,251 | $3.5M | New |
| SPYG SS SPDR P S&P 500 Growth ETF | 0.60% | 32,440 | $3.5M | New |
| SPYM Ste STR SPDR PT S&P 500 ETF | 0.58% | 41,795 | $3.4M | New |
| IVE iShares S&P 500 Value ETF | 0.55% | 14,819 | $3.1M | Add +988.8% |
| FBND Fidelity Total Bond ETF | 0.53% | 65,969 | $3.0M | New |
| CME Cme Group Inc. | 0.53% | 11,112 | $3.0M | Add +48.7% |
| DFAT Dimensional US Target Value | 0.53% | 50,770 | $3.0M | Reduce -10.7% |
| REET iShares Global REIT ETF | 0.53% | 120,869 | $3.0M | Add +106.1% |
| IVW iShares S&P 500 Growth ETF | 0.52% | 24,142 | $3.0M | New |
| SGOV iShares 0-3 Month Treasury B | 0.51% | 29,218 | $2.9M | Add +83.9% |
| DUHP Dimensional US High Profi Et | 0.51% | 77,012 | $2.9M | Add +761.3% |
| DXJ Wisdomtree Japan Hedged Eq | 0.50% | 19,921 | $2.9M | Reduce -12.8% |
| PTL Inspire 500 ETF | 0.48% | 11,131 | $2.8M | Add +5.5% |
| IWV iShares Russell 3000 ETF | 0.47% | 6,990 | $2.7M | Reduce -18.8% |
| VTV Vanguard Mrngstr Val ETF-Aui | 0.47% | 13,983 | $2.7M | Add +139.1% |
| VUSB Vanguard Ultra Short Bond Et | 0.45% | 51,465 | $2.6M | Add +263.6% |
| SCHF Schwab Intl Equity ETF | 0.44% | 105,123 | $2.5M | Add +595.2% |
| ITOT iShares Core S&P Total U.S. | 0.43% | 16,494 | $2.5M | Add +118.1% |
| SCHD Schwab US DVD Equity ETF | 0.43% | 89,258 | $2.4M | Add +80.1% |
| AVUV Avantis US Small Cap Value | 0.42% | 23,869 | $2.4M | Reduce -3.6% |
| UYLD Angel Oak Ultrashort Income | 0.42% | 46,993 | $2.4M | Add +8.0% |
| EMXC iShares MSCI Emr MRK Ex Chna | 0.41% | 32,041 | $2.3M | Add +22.2% |
| SCHO Schwab Short-Term US Treas | 0.40% | 93,634 | $2.3M | New |
| MOAT Vaneck Morningstar Wide Moat | 0.39% | 21,650 | $2.2M | Reduce -37.6% |
| DISV Dimensional International SM | 0.39% | 58,971 | $2.2M | Reduce -27.4% |
| EFV iShares MSCI Eafe Value ETF | 0.39% | 30,946 | $2.2M | New |
| IUSV iShares Core S&P U.S. Value | 0.39% | 21,542 | $2.2M | Reduce -4.3% |
| NUSC Nuveen ESG Small-Cap ETF | 0.38% | 49,271 | $2.2M | Add +6.8% |
| AVUS Avantis U.S. Equity ETF | 0.38% | 19,434 | $2.2M | Reduce -4.3% |
| QQQ Invesco QQQ Trust Series 1 | 0.38% | 3,530 | $2.2M | Add +1.2% |
| QUAL iShares MSCI USA Quality Fac | 0.37% | 10,796 | $2.1M | New |
| USMV iShares MSCI USA Min Vol Fac | 0.37% | 22,742 | $2.1M | Add +214.7% |
| FLOT iShares Floating Rate Bond E | 0.37% | 41,926 | $2.1M | New |
| TWO RDS SHARED TR | 0.36% | 220,753 | $2.1M | Reduce -15.2% |
| DFSU Dimensional US Sus CORE1 ETF | 0.35% | 46,884 | $2.0M | Add +68.0% |
| TPSC Timothy Plan US Small Cap Co. | 0.35% | 47,767 | $2.0M | Add +7.7% |
| XLG Invesco S&P 500 Top 50 ETF | 0.34% | 33,263 | $2.0M | New |
| IUSB Ishr CR Unvrse Usd BD ETF-Ui | 0.34% | 41,818 | $1.9M | New |
| IEMG iShares Core MSCI Emerging | 0.34% | 28,931 | $1.9M | New |
| DFGP Dimensional GLBL Core PL Fix | 0.34% | 35,768 | $1.9M | Add +41.6% |
| ESGE iShares Inc. iShares ESG Awar | 0.33% | 43,352 | $1.9M | Add +5.6% |
| GOOG Alphabet Inc. Class C | 0.32% | 5,844 | $1.8M | Add +169.9% |
| DMXF iShares ESG Advanc MSCI Eafe | 0.31% | 24,019 | $1.8M | Add +15.3% |
| ACWV iShares MSCI Global Min Vol | 0.31% | 15,191 | $1.8M | Add +0.6% |
| NULG Nuveen ESG LRG-Cap GRW ETF | 0.31% | 18,207 | $1.8M | Add +17.9% |
| AVEM Avantis Emerging Markets Eq | 0.31% | 22,985 | $1.8M | Add +196.8% |
| PTLC Pacer Trendpilot US Large Ca | 0.30% | 30,909 | $1.7M | Add +107.8% |
| AMZN Amazon.com Inc. | 0.30% | 7,391 | $1.7M | Add +12.9% |
| BSCS Invesco Bulletshares 2028 CB | 0.29% | 80,317 | $1.7M | Add +224.0% |
| DUSB Dimension Ultrashort Fi ETF | 0.29% | 32,661 | $1.7M | Reduce -6.2% |
| MUB iShares National Muni Bond E | 0.28% | 15,195 | $1.6M | Add +43.8% |
| BSCR Invesco Bulletshares 2027 CB | 0.28% | 81,922 | $1.6M | Add +175.9% |
| EUSA iShares MSCI USA Equal Weigh | 0.28% | 15,463 | $1.6M | New |
| BSCQ Invesco Bulletshares 2026 CB | 0.28% | 80,600 | $1.6M | Add +152.1% |
| DFUV Dimensional US Marketwide Va | 0.27% | 33,370 | $1.6M | Add +62.1% |
| IHDG Wisdomtree International Hed | 0.27% | 31,768 | $1.5M | New |
| USFR Wisdomtree Floating Rate Tre | 0.27% | 30,450 | $1.5M | Add +22.1% |
| BRK.A Berkshire Hathaway Inc. Class A | 0.26% | 2 | $1.5M | New |
| AVGO Broadcom Inc. | 0.26% | 4,361 | $1.5M | Add +22.8% |
| DFAI Dimensional International Co. | 0.26% | 39,474 | $1.5M | Add +28.5% |
| DFNM Dimensional National Muni BD | 0.26% | 30,636 | $1.5M | Add +73.3% |
| MSFT Microsoft Corp. | 0.26% | 3,034 | $1.5M | Add +73.0% |
| BSCT Invesco Bulletshares 2029 CB | 0.25% | 75,480 | $1.4M | New |
| SCHA Schwab US Small-Cap ETF | 0.24% | 48,109 | $1.4M | Add +0.5% |
Portfolio Sells Q3 2025 → Q4 2025
| IVV iShares Core S&P 500 ETF | Reduce -23.3% | 1.20% | −1.56 |
| ANFIELD US EQUITY SECTOR ROT | Reduce -1.3% | 0.69% | −0.84 |
| MOAT Vaneck Morningstar Wide Moat | Reduce -37.6% | 0.39% | −0.72 |
| DFSV Dimensional US Small Cap Val | Reduce -1.4% | 0.81% | −0.62 |
| DFAX Dimensional World Ex US Core | Reduce -2.3% | 0.77% | −0.61 |
| VGT Vanguard Info Tech ETF | Reduce -79.4% | 0.08% | −0.60 |
| IWV iShares Russell 3000 ETF | Reduce -18.8% | 0.47% | −0.56 |
| DISV Dimensional International SM | Reduce -27.4% | 0.39% | −0.52 |
| DFAT Dimensional US Target Value | Reduce -10.7% | 0.53% | −0.52 |
| TWO RDS SHARED TR | Reduce -15.2% | 0.36% | −0.46 |
| DXJ Wisdomtree Japan Hedged Eq | Reduce -12.8% | 0.50% | −0.39 |
| AVUV Avantis US Small Cap Value | Reduce -3.6% | 0.42% | −0.34 |
| IUSV iShares Core S&P U.S. Value | Reduce -4.3% | 0.39% | −0.34 |
| AVUS Avantis U.S. Equity ETF | Reduce -4.3% | 0.38% | −0.32 |
| DUSB Dimension Ultrashort Fi ETF | Reduce -6.2% | 0.29% | −0.31 |
| IGSB iShares 1-5Y Inv Grade Corp. | Reduce -24.5% | 0.17% | −0.27 |
| STIP iShares 0-5 Year Tips Bond E | Reduce -10.8% | 0.23% | −0.27 |
| IJR iShares Core S&P Small-Cap E | Reduce -20.5% | 0.19% | −0.23 |
| BSCP Invesco Bulletshares 2025 CB | Sold out | 0.00% | −0.22 |
| CBOE Cboe Global Markets Inc. | Reduce -6.6% | 0.19% | −0.18 |
| RLY SS Multi-Asset Real Ret ETF | Reduce -36.7% | 0.10% | −0.18 |
| JPLD JPMorgan Ltd. Duration ETF | Sold out | 0.00% | −0.15 |
| XLV SS Health Care Select Sector | Reduce -12.8% | 0.14% | −0.14 |
| ORCL Oracle Corp. | Reduce -26.8% | 0.06% | −0.11 |
| VV Vngrd Mrgstr LRG-Cap ETF-Usd | Reduce -2.1% | 0.13% | −0.11 |
| BIBL Inspire 100 ETF | Reduce -4.0% | 0.12% | −0.10 |
| SMLF iShares US Smallcap Equity F | Sold out | 0.00% | −0.10 |
| VYM Vanguard High DVD Yield ETF | Reduce -1.1% | 0.12% | −0.10 |
| DFEV Dimensional Emrg MRKT Val | Sold out | 0.00% | −0.10 |
| VONE Vanguard Russell 1000 | Sold out | 0.00% | −0.10 |
| SCHG Schwab US Large-Cap Growth | Reduce -15.2% | 0.09% | −0.09 |
| TGRW T Rowe Price Growth Stock Et | Reduce -23.3% | 0.06% | −0.08 |
| SCHJ Schwab 1-5 YR Corp. BND ETF | Sold out | 0.00% | −0.08 |
| SPSB SS SPDR P St C Corp. ETF | Sold out | 0.00% | −0.07 |
| DFAR Dimensional US Real Est ETF | Sold out | 0.00% | −0.07 |
| SMCI Super Micro Computer Inc. | Sold out | 0.00% | −0.07 |
| VTEB Vanguard Tax-Exempt Bond ETF | Sold out | 0.00% | −0.07 |
| MDY State Street SPDR S&P Midcap | Reduce -12.3% | 0.06% | −0.06 |
| SCHM Schwab US Mid Cap ETF | Reduce -15.1% | 0.05% | −0.06 |
| SUB iShares Short-Term National | Reduce -2.9% | 0.06% | −0.06 |
| AVES Avantis Emerging Markets Val | Reduce -3.6% | 0.06% | −0.05 |
| XLP SS Consumer Staples Sel Sect | Reduce -12.2% | 0.04% | −0.05 |
| SLYV SS SPDR S&P 600 SC Val ETF | Reduce -11.6% | 0.05% | −0.05 |
| IDV iShares International Select | Reduce -1.8% | 0.06% | −0.04 |
Portfolio Buys Q3 2025 → Q4 2025
| VOO Vanguard S&P 500 ETF | Add +299.6% | 4.42% | +2.46 |
| DFIC Dimensional International Co. | Add +165.1% | 2.87% | +0.96 |
| DCOR Dimensional US Core Eq 1 ETF | Add +628.9% | 1.23% | +0.93 |
| SCHZ Schwab US Aggregate Bond ETF | New | 0.81% | +0.81 |
| DFAC Dimensional US Core Equity 2 | Add +101.0% | 6.33% | +0.76 |
| SPTI SS SPDR P Int Term TSY ETF | Add +668.8% | 0.95% | +0.71 |
| XMHQ Invesco S&P Midcap Qual ETF | Add +418.2% | 1.04% | +0.67 |
| DYNF Ishrs US E F R A ETF-Usd Inc. | New | 0.65% | +0.65 |
| BNDX Vanguard Total Intl Bond ETF | Add +215.7% | 1.71% | +0.63 |
| SPHQ Invesco S&P 500 Quality ETF | New | 0.62% | +0.62 |
| SPYG SS SPDR P S&P 500 Growth ETF | New | 0.60% | +0.60 |
| SPYM Ste STR SPDR PT S&P 500 ETF | New | 0.58% | +0.58 |
| FBND Fidelity Total Bond ETF | New | 0.53% | +0.53 |
| IVW iShares S&P 500 Growth ETF | New | 0.52% | +0.52 |
| VXUS Vanguard Total Intl Stock | Add +148.1% | 1.83% | +0.51 |
| IVE iShares S&P 500 Value ETF | Add +988.8% | 0.55% | +0.46 |
| SPSM SS SPDR P S&P 600 Small Cap | Add +241.3% | 0.86% | +0.41 |
| DUHP Dimensional US High Profi Et | Add +761.3% | 0.51% | +0.40 |
| SCHO Schwab Short-Term US Treas | New | 0.40% | +0.40 |
| EFV iShares MSCI Eafe Value ETF | New | 0.39% | +0.39 |
| QUAL iShares MSCI USA Quality Fac | New | 0.37% | +0.37 |
| FLOT iShares Floating Rate Bond E | New | 0.37% | +0.37 |
| XLG Invesco S&P 500 Top 50 ETF | New | 0.34% | +0.34 |
| IUSB Ishr CR Unvrse Usd BD ETF-Ui | New | 0.34% | +0.34 |
| IEMG iShares Core MSCI Emerging | New | 0.34% | +0.34 |
| NVDA Nvidia Corp. | Add +130.5% | 1.16% | +0.33 |
| SCHF Schwab Intl Equity ETF | Add +595.2% | 0.44% | +0.33 |
| DFEM Dimensional Emrg MRKT Core | Add +123.2% | 1.38% | +0.30 |
| EUSA iShares MSCI USA Equal Weigh | New | 0.28% | +0.28 |
| IHDG Wisdomtree International Hed | New | 0.27% | +0.27 |
| BRK.A Berkshire Hathaway Inc. Class A | New | 0.26% | +0.26 |
| BSCT Invesco Bulletshares 2029 CB | New | 0.25% | +0.25 |
| XTEN Bondbloxx BBG 10Y US TSY ETF | New | 0.22% | +0.22 |
| ISTB iShares Core 1-5 Year Usd Bo | New | 0.22% | +0.22 |
| SPGM State Street SPDR Portfolio | New | 0.22% | +0.22 |
| BAI Ishrs AI in and Tech Act ETF | New | 0.21% | +0.21 |
| USHY iShares Broad Usd High Yield | New | 0.21% | +0.21 |
| VUSB Vanguard Ultra Short Bond Et | Add +263.6% | 0.45% | +0.21 |
| THRO iShares U.S. Thematic Rotati | New | 0.20% | +0.20 |
| GOOG Alphabet Inc. Class C | Add +169.9% | 0.32% | +0.19 |
| BINC iShares Flex I A ETF-Usd Inc. | New | 0.17% | +0.17 |
| SPMO Invesco S&P 500 Momentum ETF | New | 0.17% | +0.17 |
| BSCU Invesco Bulletshares 2030 CB | New | 0.17% | +0.17 |
| SPMD SS SPDR P S&P 400 Midcap ETF | Add +102.5% | 1.69% | +0.16 |
| WMT Walmart Inc. | New | 0.16% | +0.16 |
| MBB iShares MBS ETF | New | 0.16% | +0.16 |
| VEA Vanguard Ftse Developed ETF | Add +89.1% | 2.74% | +0.16 |
| GDE Wisdomtree Efficient Gold PL | New | 0.15% | +0.15 |
| SMMV iShares MSCI USA Small-Cap M | New | 0.15% | +0.15 |
| SHY iShares 1-3 Year Treasury Bo | New | 0.14% | +0.14 |
All Filings
| Quarter | Positions | 13F Reported Value | Top Holdings |
|---|---|---|---|
| Q2 2026 | 340 | $797.1M | DFAC, VTI, VOO, VEA, DFIC |
| Q1 2026 | 273 | $626.0M | DFAC, VTI, VOO, DFIC, VEA |
| Q4 2025 | 248 | $573.8M | VTI, DFAC, VOO, DFIC, VEA |
| Q3 2025 | 173 | $293.7M | VTI, DFAC, VCIT, DFCF, IVV |
| Q2 2025 | 173 | $293.7M | VTI, DFAC, VCIT, DFCF, IVV |
| Q1 2025 | 102 | $149.9M | DFAC, DFCF, VCIT, MUNI, DFGR |
| Q4 2024 | 92 | $133.2M | DFAC, DFCF, MUNI, VCIT, DFGR |