Q3 2026 13F · SEC CIK 1949824

Essential Planning, LLC.

Wealth managerFiled 2026-10-21 for Q3 2026. Open the filing ↗ · All SEC filings ↗

Reported 13F value: $365.5M
Reported positions: 88
Top holdings a year, 3 yrs: +10.8%
Assets under management: $524.4M

Essential Planning, LLC. is a wealth manager that reported 88 positions worth $365.5M in its Q3 2026 13F, filed 2026-10-21. Its largest holdings were Dimensional ETF Trust (DFAU, 14.6%), Vanguard Bd Index Fds (BND, 12.4%), Vanguard Index Fds (VTI, 7.6%). A portfolio copying its top holdings returned 10.8% a year over the last 3 years, against 20.4% for the S&P 500.

Essential Planning, LLC. holdings largest 50 of 88 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.

Essential Planning, LLC. 13F holdings
Stock	% of 13F value	Q2 2026	Shares	Share change	Reported value
DFAUDimensional ETF Trust	14.6%	15.7%	1,015,597	-5.7%	$53.2M
BNDVanguard Bd Index Fds	12.4%	14.0%	648,215	-4.2%	$45.5M
VTIVanguard Index Fds	7.6%	7.4%	74,105	+5.0%	$27.7M
DFSDDimensional Short-Duration Fixed Income	5.4%	4.6%	426,557	+26.0%	$19.8M
JPLDJ P Morgan Exchange Traded F	5.4%	4.4%	384,490	+29.5%	$19.8M
DFAIDimensional ETF Trust	5.4%	5.7%	473,165	-2.6%	$19.6M
DCORDfa Invt Dimensions Group in	4.6%	—	202,464	—	$16.7M
SPYState Str Spdr S&p 500 ETF T	4.2%	3.3%	20,127	+29.7%	$15.4M
DFACDimensional ETF Trust	4.0%	3.5%	331,939	+18.6%	$14.8M
DFCFDimensional ETF Trust	3.7%	3.6%	338,202	+11.4%	$13.6M
DFAEDimensional ETF Trust	2.4%	2.6%	226,294	-2.6%	$8.9M
FBNDFidelity Merrimack Str Tr	2.4%	2.1%	204,785	+24.7%	$8.9M
BSVVanguard Bd Index Fds	2.3%	2.4%	109,563	+0.3%	$8.4M
VEAVanguard Ftse Developed Markets Index Fu	2.0%	1.8%	103,548	+17.1%	$7.3M
DFICDimensional ETF Trust	2.0%	1.7%	190,735	+18.7%	$7.2M
IVVIshares Tr	1.8%	1.9%	8,729	-3.7%	$6.7M
VTIPVanguard Malvern Fds	1.5%	1.7%	113,410	-2.7%	$5.6M
VBKVanguard Index Fds	1.4%	1.6%	14,852	-4.4%	$5.0M
MBBIshares Tr	1.1%	1.3%	46,880	-4.6%	$4.2M
MINTPimco Enhanced Short Maturity Active Exc	1.1%	1.0%	39,245	+9.0%	$3.9M
FRELFidelity Covington Trust	1.0%	1.1%	136,212	+0.3%	$3.7M
IEMGIshares Inc	0.9%	0.8%	39,725	+16.5%	$3.2M
DFEMDimensional ETF Trust	0.9%	0.8%	80,776	+17.6%	$3.2M
BONDPimco ETF Tr	0.9%	1.0%	36,677	-8.0%	$3.2M
MSFTMicrosoft Corp	0.6%	0.5%	4,504	-0.4%	$2.3M
AAPLApple Inc	0.6%	0.6%	6,775	-0.2%	$2.3M
SHYIshares Tr	0.6%	0.8%	26,504	-20.5%	$2.2M
IBTIIshares Ibonds Dec 2028 Term Treasury Et	0.6%	0.6%	91,674	+0.2%	$2.0M
BRK-BBerkshire Hathaway Inc Del	0.4%	0.4%	2,787	+0.0%	$1.4M
GOOGLAlphabet Inc	0.4%	0.4%	3,729	+0.0%	$1.3M
IBTGIshares Tr	0.3%	0.4%	54,950	+0.2%	$1.3M
DUSBDimensional Ultrashort Fixed Income ETF	0.3%	0.3%	19,672	-0.5%	$993K
DBNDDoubleline ETF Trust	0.3%	0.3%	21,955	-3.4%	$955K
WMTWalmart Inc	0.2%	0.3%	8,738	+0.0%	$908K
STPZPimco ETF Tr	0.2%	0.3%	17,387	-7.3%	$902K
VMBSVanguard Scottsdale Fds	0.2%	0.3%	20,162	-7.6%	$895K
VUSBVanguard Bd Index Fds	0.2%	0.3%	17,929	-0.5%	$888K
EPSWisdomtree Tr	0.2%	0.2%	9,772	-2.4%	$781K
IUSBIshares Tr	0.2%	0.2%	17,581	+0.0%	$775K
VXUSVanguard Star Fds	0.2%	0.2%	8,910	-4.9%	$757K
DFIPDimensional ETF Trust	0.2%	0.2%	19,257	+0.5%	$752K
IXUSIshares Tr	0.2%	0.2%	7,214	+0.0%	$685K
DFGRDimensional ETF Trust	0.2%	0.2%	25,270	+20.0%	$684K
VBRVanguard Index Fds	0.2%	0.2%	2,801	+0.0%	$647K
VIGVanguard Specialized Funds	0.2%	0.2%	2,670	+0.0%	$623K
VOOVanguard Index Fds	0.2%	0.2%	888	-1.1%	$622K
BNDXVanguard Charlotte Fds	0.2%	0.2%	13,208	+0.0%	$619K
IBTHIshares Tr	0.2%	0.2%	26,018	+0.5%	$581K
VHTVanguard World Fd	0.2%	—	1,819	—	$575K
EUSBIshares Tr	0.1%	0.2%	13,113	-0.5%	$545K

What Essential 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.

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: +12.7% /yr; S&P 500 +20.1%
3 years: +10.8% /yr; S&P 500 +20.4%
5 years: +10.0% /yr; S&P 500 +19.3%

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	$365.5M	88
Q2 2026	$353.9M	87
Q1 2026	$314.5M	85
Q4 2025	$313.6M	90
Q3 2025	$290.5M	85
Q2 2025	$268.6M	82
Q1 2025	$248.2M	81
Q4 2024	$15.4B	313
Q3 2024	$243.8M	83
Q2 2024	$227.3M	71
Q1 2024	$199.7M	65
Q4 2023	$198.1M	64

Questions about Essential Planning, LLC.'s portfolio

What stocks does Essential Planning, LLC. own?

Essential Planning, LLC.'s latest 13F, for Q3 2026 and filed Oct 21, 2026, lists 88 positions worth $365.5M. The largest are Dimensional ETF Trust (DFAU) at 14.6%, Vanguard Bd Index Fds (BND) at 12.4%, Vanguard Index Fds (VTI) at 7.6%, Dimensional Short-Duration Fixed Income (DFSD) at 5.4% and J P Morgan Exchange Traded F (JPLD) at 5.4%.

What did Essential Planning, LLC. buy last quarter?

In Q3 2026, Essential Planning, LLC. added State Str Spdr S&p 500 ETF T (SPY) (+29.7% shares), J P Morgan Exchange Traded F (JPLD) (+29.5% shares) and Dimensional Short-Duration Fixed Income (DFSD) (+26.0% shares), compared with its Q2 2026 filing.

What did Essential Planning, LLC. sell last quarter?

In Q3 2026, Essential Planning, LLC. cut from its top 50 Dimensional US Core Equity 1 ETF (DCOR), cut from its top 50 Eli Lilly & Co (LLY), Ishares Tr (SHY) (-20.5% shares), Pimco ETF Tr (BOND) (-8.0% shares) and Vanguard Scottsdale Fds (VMBS) (-7.6% shares), compared with its Q2 2026 filing.

How has Essential Planning, LLC.'s portfolio performed?

A portfolio copying Essential Planning, LLC.'s 20 largest 13F holdings each quarter, from the day each filing was public, returned +10.8% a year over the last 3 years, against +20.4% for the S&P 500. Over 1 year: +12.7% against +20.1%. Over 5 years: +10.0% a year against +19.3%.

When is Essential Planning, LLC.'s next 13F filing due?

13F filings are due 45 days after each quarter ends. Essential 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 Essential Planning, LLC. manage?

Essential Planning, LLC. reported $524.4M of regulatory assets under management on its latest SEC Form ADV. Its 13F, which covers only US-listed stocks and options, totals $365.5M.