Q2 2026 13F · SEC CIK 1844278

Sterling Financial Planning, Inc.

Wealth managerFiled 2026-08-11 for Q2 2026. Open the filing ↗ · All SEC filings ↗

Reported 13F value: $367.7M
Reported positions: 123
Top holdings a year, 3 yrs: +17.2%
Assets under management: $760.8M

Sterling Financial Planning, Inc. is a wealth manager that reported 123 positions worth $367.7M in its Q2 2026 13F, filed 2026-08-11. Its largest holdings were iShares S&P Midcap 400 Value (IJJ, 6.3%), Ishares Tr (IJT, 6.2%), Ishares S&p Mid-Cap 400 Growth ETF (IJK, 5.8%). A portfolio copying its top holdings returned 17.2% a year over the last 3 years, against 20.4% for the S&P 500.

Sterling Financial Planning, Inc. holdings largest 50 of 123 positions.

Weights are shares of the filer's total reported 13F value, compared with Q1 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.

Sterling Financial Planning, Inc. 13F holdings
Stock	% of 13F value	Q1 2026	Shares	Share change	Reported value
IJJiShares S&P Midcap 400 Value	6.3%	6.0%	156,530	+1.7%	$23.1M
IJTIshares Tr	6.2%	5.6%	128,012	-1.4%	$22.9M
IJKIshares S&p Mid-Cap 400 Growth ETF	5.8%	5.5%	182,653	-1.5%	$21.5M
IVWIshares	5.5%	5.0%	148,229	-0.3%	$20.4M
IAUIshares Gold Trust	4.8%	6.2%	233,678	-0.7%	$17.6M
DFIVDimensional ETF Trust	4.6%	4.8%	310,296	+0.7%	$16.8M
VYMVym	3.6%	3.6%	83,032	+2.0%	$13.1M
FNDXSchwab Strategic Tr	3.5%	3.5%	418,339	-1.4%	$13.0M
DISVDimensional ETF Trust	3.3%	3.5%	302,926	+2.2%	$12.2M
BIVVanguard Bd Index Fds	3.2%	3.3%	153,913	+7.3%	$11.8M
DFSVDfa U.s. Small Cap Value ETF	3.1%	3.0%	292,001	+0.7%	$11.3M
IJSIShares S&P Small Cap 600 Value	2.7%	2.7%	73,343	-4.4%	$10.0M
XBJAInnovator U.s. Equity Accelerated 9 Buff	2.7%	2.6%	288,650	+1.3%	$9.8M
IVVIshares Core S&p 500 ETF	2.5%	2.4%	12,282	-1.0%	$9.2M
DFIPDimensional ETF Trust	2.0%	2.1%	179,710	+5.2%	$7.4M
DFEVDimensional Emerging Markets Value ETF	2.0%	1.9%	173,234	-2.1%	$7.4M
DFGRDimensional ETF Trust	1.9%	1.9%	247,263	+5.1%	$7.2M
IJHIshares Tr	1.4%	1.4%	66,771	-3.2%	$5.1M
QQQInvesco Qqq Tr	1.4%	1.2%	6,768	-2.9%	$5.0M
EFGIshares Tr	1.4%	1.3%	39,975	-1.8%	$5.0M
IVEIshares S&p 500 Value ETF	1.3%	1.4%	21,679	-5.2%	$4.9M
VCSHVanguard Scottsdale Fds	1.3%	1.3%	61,984	+11.5%	$4.9M
BSVVanguard Bd Index Fds Vanguard Short Ter	1.3%	1.4%	61,799	+5.4%	$4.8M
AAPLApple Inc	1.3%	1.2%	16,124	+2.9%	$4.7M
GOVTIshares Tr	1.2%	1.3%	198,231	+3.1%	$4.5M
VOEVanguard Index Fds	1.2%	1.2%	21,586	-0.9%	$4.3M
VTEBVanguard Tx Ex Bd	1.1%	1.1%	78,977	+2.0%	$4.0M
GLDSpdr Gold Shares	1.0%	1.4%	10,288	-3.5%	$3.8M
VOTVanguard Index Fds	1.0%	0.9%	11,514	+1.9%	$3.5M
VTESVanguard Wellington Fd	1.0%	1.0%	34,648	+5.1%	$3.5M
VBKVanguard Small Cap Growth ETF	0.8%	0.8%	8,480	-0.2%	$3.1M
VTIPVanguard Malvern Fds	0.8%	0.8%	61,111	+9.0%	$3.1M
VNQVanguard Real Estate ETF	0.8%	0.8%	31,228	-2.2%	$3.0M
BNDXVanguard Charlotte Fds	0.8%	0.8%	61,896	+4.2%	$3.0M
IDVIshares Tr	0.8%	1.0%	71,635	-5.0%	$3.0M
DGSWisdomtree Tr	0.7%	0.7%	39,294	-0.8%	$2.5M
VBRVanguard Small Cap Value ETF	0.7%	0.7%	10,385	-0.3%	$2.5M
JNJJohnson & Johnson	0.7%	0.7%	9,653	-0.7%	$2.5M
FNDCSchwab Strategic Tr	0.6%	0.7%	48,976	-7.8%	$2.4M
VEAVanguard Tax-Managed Fds	0.6%	0.5%	28,535	-1.1%	$2.0M
SPYSpdr S&p 500 ETF Tr	0.5%	0.5%	2,598	+0.1%	$1.9M
MUBIshares National Muni Bond ETF	0.5%	0.5%	17,094	+4.6%	$1.8M
IJRIshares Core S&p Small Cap ETF	0.4%	0.4%	10,706	-3.8%	$1.6M
TIPiShares TIPS Bond ETF	0.4%	0.5%	14,505	+1.6%	$1.6M
PRFInvesco Exchange Traded Fd T	0.4%	0.4%	29,316	-3.8%	$1.6M
XOMExxon Mobil Corp	0.4%	0.7%	11,444	-11.8%	$1.6M
SCZIshares Msci Eafe Small Cap	0.4%	0.4%	15,997	-3.4%	$1.3M
DFARDimensional ETF Trust	0.4%	0.4%	49,877	-0.6%	$1.3M
MSFTMicrosoft Corp	0.3%	0.4%	3,276	+0.0%	$1.2M
DFLVDimensional ETF Trust	0.3%	—	29,060	—	$1.1M

What Sterling Financial Planning, Inc. bought and sold in Q2 2026, against Q1 2026.

New positions

Q1 2026's filing was too long to tell new positions apart.

Share counts compared with the Q1 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: +23.1% /yr; S&P 500 +20.1%
3 years: +17.2% /yr; S&P 500 +20.4%
5 years: +9.0% /yr; S&P 500 +11.6%

A portfolio of the filer's 20 largest 13F positions, weighted by value and rebuilt each quarter on the day the filing became public. 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
Q2 2026	$367.7M	123
Q1 2026	$337.3M	117
Q4 2025	$331.8M	120
Q3 2025	$317.1M	116
Q2 2025	$299.3M	116
Q1 2025	$275.7M	109
Q4 2024	$271.8M	108
Q3 2024	$271.2M	108
Q2 2024	$246.5M	106
Q1 2024	$246.8M	105
Q4 2023	$231.0M	102
Q3 2023	$195.2M	93

Questions about Sterling Financial Planning, Inc.'s portfolio

What stocks does Sterling Financial Planning, Inc. own?

Sterling Financial Planning, Inc.'s latest 13F, for Q2 2026 and filed Aug 11, 2026, lists 123 positions worth $367.7M. The largest are iShares S&P Midcap 400 Value (IJJ) at 6.3%, Ishares Tr (IJT) at 6.2%, Ishares S&p Mid-Cap 400 Growth ETF (IJK) at 5.8%, Ishares (IVW) at 5.5% and Ishares Gold Trust (IAU) at 4.8%.

What did Sterling Financial Planning, Inc. buy last quarter?

In Q2 2026, Sterling Financial Planning, Inc. added Vanguard Scottsdale Fds (VCSH) (+11.5% shares), Vanguard Malvern Fds (VTIP) (+9.0% shares) and Vanguard Bd Index Fds (BIV) (+7.3% shares), compared with its Q1 2026 filing.

What did Sterling Financial Planning, Inc. sell last quarter?

In Q2 2026, Sterling Financial Planning, Inc. cut from its top 50 Berkshire Hathaway Inc Del (BRK-B), Exxon Mobil Corp (XOM) (-11.8% shares), Schwab Strategic Tr (FNDC) (-7.8% shares) and Ishares S&p 500 Value ETF (IVE) (-5.2% shares), compared with its Q1 2026 filing.

How has Sterling Financial Planning, Inc.'s portfolio performed?

A portfolio copying Sterling Financial Planning, Inc.'s 20 largest 13F holdings each quarter, from the day each filing was public, returned +17.2% a year over the last 3 years, against +20.4% for the S&P 500. Over 1 year: +23.1% against +20.1%. Over 5 years: +9.0% a year against +11.6%.

When is Sterling Financial Planning, Inc.'s next 13F filing due?

13F filings are due 45 days after each quarter ends. Sterling Financial Planning, Inc.'s filing for the quarter ending Sep 30, 2026 is due by Nov 14, 2026; this page updates the day after it is published.

How much money does Sterling Financial Planning, Inc. manage?

Sterling Financial Planning, Inc. reported $760.8M of regulatory assets under management on its latest SEC Form ADV. Its 13F, which covers only US-listed stocks and options, totals $367.7M.