Data as of Q4 2025 (Dec 31, 2025)

PLANNING DIRECTIONS INC

•CIK: 821103•Filing: Q4 2025

**PLANNING DIRECTIONS INC** manages $198M across a diversified portfolio of 101 positions. The fund exhibits a clear focus on income-generating and quality equity exposure, evidenced by top holdings including SCHD at $36.9M and VIG at $15.0M. Significant allocations are also maintained in core holdings such as BSV ($16.8M) and AAPL ($11.6M). This structure suggests a disciplined, value-oriented approach targeting stable yield and established market leaders.

Total AUM
$198.4M
QoQ Performance
+3.6%
Positions
61
Top 10 Concentration
62.3%
Latest Filing
Q4 2025

Top Holdings Allocation

SCHD
BSV
VIG
UITB
AAPL
SCHD18.6%
BSV8.4%
VIG7.5%
UITB6.7%
AAPL5.8%
IJR3.6%
MGV3.1%
FLDR2.9%

📈 Biggest Buys

UITB
VICTORY PORTFOLIOS II
+16.3%
6.7% of portfolio
BSV
VANGUARD BD INDEX FDS
+10.2%
8.4% of portfolio
SHYG
ISHARES TR
+21.1%
2.8% of portfolio
IJR
ISHARES TR
+12.1%
3.6% of portfolio
NEAR
ISHARES U S ETF TR
+75.5%
0.8% of portfolio

📉 Biggest Sells

SCHD
SCHWAB STRATEGIC TR
-1.3%
18.6% of portfolio
VUG
VANGUARD INDEX FDS
-7.9%
2.6% of portfolio
CRMD
CORMEDIX INC
-60.0%
0.1% of portfolio
IUSG
ISHARES TR
-11.3%
1.3% of portfolio
VCSH
VANGUARD SCOTTSDALE FDS
-5.5%
2.6% of portfolio

Sector Breakdown

Other87.3%
Technology8.7%
Consumer1.8%
ETF1.1%
Industrial0.5%
Energy0.3%
Financial0.2%
Utilities0.1%

🚪 Exited Positionssold since Q3 2025

MA
MASTERCARD INCORPORATED
SOLD
$210.5K
AXP
AMERICAN EXPRESS CO
SOLD
$202.5K

Changes from Q3 2025

NEW10 new positions
↑44 increased
↓41 decreased

Historical Filings

Q4 2025Q3 2025Q2 2025Q1 2025Q4 2024Q3 2024Q2 2024Q1 2024Q4 2023

📌 Top Holdings

SCHD18.6%
SCHWAB STRATEGIC TR
$36.9M
BSV8.4%
VANGUARD BD INDEX FDS
$16.8M
VIG7.5%
VANGUARD SPECIALIZED FUNDS
$15.0M
UITB6.7%
VICTORY PORTFOLIOS II
$13.3M
AAPL5.8%
APPLE INC
$11.6M

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