Pearl Planning LLC
•CIK: 2100519•Filing: Q4 2025
**Pearl Planning LLC** manages $164M across a diversified portfolio of 52 positions. The strategy shows significant allocation to broad market indices, highlighted by the top holding in VOO at $25.6M. Notable concentrations include substantial exposure to sector and factor plays, with AVDE ($17.1M), BND ($14.7M), and VTV ($14.0M) anchoring the core holdings. This structure suggests a systematic, multi-asset approach targeting market breadth and factor exposure.
Total AUM
$163.5M
QoQ Performance
N/A
Positions
27
Top 10 Concentration
72.8%
Latest Filing
Q4 2025
Top Holdings Allocation
VOO
AVDE
BND
VTV
VO
FRDM
VOO15.7%
AVDE10.5%
BND9.0%
VTV8.5%
VO7.4%
FRDM5.8%
DGRO4.3%
ESGV4.2%
📈 Biggest Buys
📉 Biggest Sells
No reductions this quarter
Sector Breakdown
Other80.7%
ETF16.2%
Technology2.7%
Consumer0.2%
Financial0.2%