Q3 2026 13F · SEC CIK 1937021

Cypress Financial Planning LLC

Wealth managerFiled 2026-10-09 for Q3 2026. Open the filing ↗ · All SEC filings ↗

Reported 13F value: $370.8M
Reported positions: 101
Top holdings a year, 3 yrs: +11.1%
Assets under management: $490.4M

Cypress Financial Planning LLC is a wealth manager that reported 101 positions worth $370.8M in its Q3 2026 13F, filed 2026-10-09. Its largest holdings were Ishares Tr (IVV, 11.4%), Vanguard Scottsdale Fds (VCSH, 9.3%), Vanguard Ftse Developed Markets Index Fu (VEA, 9.3%). A portfolio copying its top holdings returned 11.1% a year over the last 3 years, against 20.4% for the S&P 500.

Cypress Financial Planning LLC holdings largest 50 of 101 positions.

Weights are shares of the filer's total reported 13F value, compared with Q2 2026. Share changes may reflect splits; weight changes also reflect price moves. A 13F shows long US-listed positions only, up to 135 days after the fact.

Cypress Financial Planning LLC 13F holdings
Stock	% of 13F value	Q2 2026	Shares	Share change	Reported value
IVVIshares Tr	11.4%	10.1%	55,415	+0.6%	$42.4M
VCSHVanguard Scottsdale Fds	9.3%	9.0%	447,489	-3.3%	$34.6M
VEAVanguard Ftse Developed Markets Index Fu	9.3%	8.6%	486,271	-0.8%	$34.3M
VXFVanguard Index Fds	7.6%	7.3%	121,883	+1.0%	$28.2M
VGITVanguard Scottsdale Fds	6.7%	9.5%	441,394	-32.7%	$25.0M
JMBSJanus Detroit Str Tr	5.6%	4.6%	493,861	+18.9%	$20.9M
DGROIshares Tr	5.0%	5.0%	243,711	-8.7%	$18.4M
VNQVanguard Index Fds	4.9%	4.7%	204,464	+3.5%	$18.3M
VCITVanguard Scottsdale Fds	4.3%	9.8%	205,708	-57.5%	$16.1M
IEFAIshares Tr	3.5%	2.9%	134,444	+9.4%	$13.0M
RSPInvesco Exchange Traded Fd T	3.5%	—	61,719	—	$12.8M
VWOVanguard Intl Equity Index F	3.1%	2.8%	195,168	+0.5%	$11.6M
VIGVanguard Specialized Funds	2.3%	2.2%	35,802	-3.6%	$8.4M
SPYState Str Spdr S&p 500 ETF T	2.1%	2.0%	10,252	-8.5%	$7.8M
MSMorgan Stanley	1.9%	2.4%	37,654	-21.0%	$7.1M
IEMGIshares Inc	1.4%	1.2%	66,073	+8.3%	$5.4M
COFCapital One Finl Corp	1.2%	1.1%	22,722	+0.1%	$4.4M
SCHGSchwab Strategic Tr	1.0%	0.8%	101,248	-0.7%	$3.6M
SCHVSchwab Strategic Tr	0.9%	0.9%	105,203	-2.5%	$3.5M
AAPLApple Inc	0.9%	0.7%	9,705	-7.8%	$3.2M
VTIVanguard Index Fds	0.6%	0.4%	5,929	+35.4%	$2.2M
IJRIshares Tr	0.6%	0.6%	15,936	-3.8%	$2.2M
VUGVanguard Index Fds	0.6%	0.5%	22,752	-1.0%	$2.1M
BRK-BBerkshire Hathaway Inc Del	0.4%	0.5%	3,327	-10.0%	$1.7M
LMTLockheed Martin Corp	0.4%	0.4%	3,246	-2.4%	$1.7M
AMZNAmazon Com Inc	0.4%	0.4%	6,484	-3.8%	$1.6M
DFCFDimensional ETF Trust	0.4%	0.4%	36,393	-0.4%	$1.5M
DFSDDimensional Short-Duration Fixed Income	0.4%	0.3%	30,020	+4.8%	$1.4M
DGCBDimensional ETF Trust	0.4%	0.3%	26,555	+4.9%	$1.4M
SHMSpdr Series Trust	0.3%	0.3%	25,604	+11.4%	$1.2M
DECPPgim Rock ETF Tr	0.3%	0.3%	33,695	-8.1%	$1.1M
VGKVanguard Ftse Europe ETF	0.3%	0.3%	12,721	-0.5%	$1.1M
FEBPPgim Rock ETF Tr	0.2%	0.2%	26,374	+1.4%	$922K
AVUVAmerican Centy ETF Tr	0.2%	0.2%	7,759	-0.9%	$914K
IEFIshares Tr	0.2%	0.4%	10,068	-35.2%	$899K
IWFIshares Tr	0.2%	0.2%	7,108	+0.0%	$890K
EFAIshares Tr	0.2%	0.2%	8,484	-0.3%	$881K
NVDANvidia Corporation	0.2%	0.2%	3,806	-5.7%	$869K
VTVVanguard Index Fds	0.2%	0.2%	4,004	+0.0%	$865K
MUBIshares Tr	0.2%	0.4%	8,489	-38.6%	$858K
AVDVAmerican Centy ETF Tr	0.2%	0.2%	7,810	+1.5%	$854K
JCIJohnson Controls Internation	0.2%	0.2%	5,135	+0.0%	$763K
MRCPPgim Rock ETF Tr	0.2%	0.2%	21,451	-10.3%	$756K
JPMJpmorgan Chase & Co	0.2%	0.2%	2,273	-13.1%	$752K
GOOGAlphabet Inc	0.2%	0.2%	2,198	+1.3%	$749K
MSFTMicrosoft Corp	0.2%	—	1,450	—	$744K
VVisa Inc	0.2%	0.2%	1,998	+0.0%	$718K
VTEBVanguard Mun Bd Fds	0.2%	—	14,949	—	$708K
SPDWSpdr Index Shs Fds	0.2%	—	13,588	—	$682K
NFLXNetflix Inc.	0.2%	0.2%	9,781	+0.7%	$681K

What Cypress Financial Planning LLC bought and sold in Q3 2026, against Q2 2026.

New positions

Q2 2026's filing was too long to tell new positions apart.

Added to

VTI Vanguard Index Fds+35.4% shares
JMBS Janus Detroit Str Tr+18.9% shares
SHM Spdr Series Trust+11.4% shares
IEFA Ishares Tr+9.4% shares
IEMG Ishares Inc+8.3% shares

Reduced

VCIT Vanguard Scottsdale Fds-57.5% shares
MUB Ishares Tr-38.6% shares
IEF Ishares Tr-35.2% shares
VGIT Vanguard Scottsdale Fds-32.7% shares
MS Morgan Stanley-21.0% shares
JPM Jpmorgan Chase & Co-13.1% shares
MRCP Pgim Rock ETF Tr-10.3% shares
BRK-B Berkshire Hathaway Inc Del-10.0% shares

Left the top 50

Share counts compared with the Q2 2026 13F; a split also changes share counts. The latest filing lists more than 50 positions, so a position that left the top 50 may still be held.

How the holdings did against the S&P 500.

1 year: +11.6% /yr; S&P 500 +20.1%
3 years: +11.1% /yr; S&P 500 +20.4%
5 years: +7.6% /yr; S&P 500 +15.9%

A portfolio of the filer's 20 largest 13F positions, weighted by value, bought the trading day after each 13F was filed and held until the next one was: what copying this filer could have earned. 13Fs show long US-listed positions only, so this is an estimate of the stock picks, not the fund's reported returns.

Reported 13F value by quarter.

13F value by quarter
Quarter	13F value	Positions
Q3 2026	$370.8M	101
Q2 2026	$408.2M	106
Q1 2026	$358.8M	99
Q4 2025	$357.7M	102
Q3 2025	$325.7M	86
Q2 2025	$304.4M	80
Q1 2025	$277.2M	79
Q4 2024	$272.5M	79
Q3 2024	$270.5M	76
Q2 2024	$239.0M	68
Q1 2024	$218.4M	66
Q4 2023	$110.2M	42

Questions about Cypress Financial Planning LLC's portfolio

What stocks does Cypress Financial Planning LLC own?

Cypress Financial Planning LLC's latest 13F, for Q3 2026 and filed Oct 9, 2026, lists 101 positions worth $370.8M. The largest are Ishares Tr (IVV) at 11.4%, Vanguard Scottsdale Fds (VCSH) at 9.3%, Vanguard Ftse Developed Markets Index Fu (VEA) at 9.3%, Vanguard Index Fds (VXF) at 7.6% and Vanguard Scottsdale Fds (VGIT) at 6.7%.

What did Cypress Financial Planning LLC buy last quarter?

In Q3 2026, Cypress Financial Planning LLC added Vanguard Index Fds (VTI) (+35.4% shares), Janus Detroit Str Tr (JMBS) (+18.9% shares) and Spdr Series Trust (SHM) (+11.4% shares), compared with its Q2 2026 filing.

What did Cypress Financial Planning LLC sell last quarter?

In Q3 2026, Cypress Financial Planning LLC cut from its top 50 Invesco Qqq Tr (QQQ), cut from its top 50 Spdr Series Trust (TFI), cut from its top 50 Ishares Tr (LQD), cut from its top 50 Schwab Strategic Tr (SCHX), Vanguard Scottsdale Fds (VCIT) (-57.5% shares), Ishares Tr (MUB) (-38.6% shares) and Ishares Tr (IEF) (-35.2% shares), compared with its Q2 2026 filing.

How has Cypress Financial Planning LLC's portfolio performed?

A portfolio copying Cypress Financial Planning LLC's 20 largest 13F holdings each quarter, from the day each filing was public, returned +11.1% a year over the last 3 years, against +20.4% for the S&P 500. Over 1 year: +11.6% against +20.1%. Over 5 years: +7.6% a year against +15.9%.

When is Cypress Financial Planning LLC's next 13F filing due?

13F filings are due 45 days after each quarter ends. Cypress Financial Planning LLC's filing for the quarter ending Dec 31, 2026 is due by Feb 14, 2027; this page updates the day after it is published.

How much money does Cypress Financial Planning LLC manage?

Cypress Financial Planning LLC reported $490.4M of regulatory assets under management on its latest SEC Form ADV. Its 13F, which covers only US-listed stocks and options, totals $370.8M.