Data as of Q4 2025 (Dec 31, 2025)·Next filing deadline: May 15, 2026

Sterling Financial Planning, Inc.

•CIK: 1844278•Filing: Q4 2025

**Sterling Financial Planning, Inc.** manages $332M across a diversified portfolio of 120 positions. The fund exhibits a notable allocation toward commodity and fixed-income exposure, highlighted by top holdings including IAU* ($20.9M) and IJJ ($20.1M). Significant weightings are also observed in thematic and sector-specific ETFs, such as IJT ($18.2M) and IVW ($18.0M). This structure suggests a tactical approach balancing broad market exposure with targeted asset class plays.

Total AUM

$331.8M

QoQ Performance

+4.6%

Positions

69

Top 10 Concentration

46.8%

Latest Filing

Q4 2025

Top Holdings Allocation

IAU*

IJJ

IJT

IVW

IJK

IAU*6.3%

IJJ6.1%

IJT5.5%

IVW5.4%

IJK5.4%

DFIV4.8%

FNDX3.5%

VYM3.4%

📈 Biggest Buys

VANGUARD BD INDEX FDS

+18.2%

3.0% of portfolio

ISHARES TR

+3.5%

6.1% of portfolio

ISHARES TR

+3.8%

5.5% of portfolio

DIMENSIONAL ETF TRUST

+11.2%

1.9% of portfolio

VANGUARD MUN BD FDS

+14.7%

1.1% of portfolio

📉 Biggest Sells

ISHARES GOLD TR

-5.6%

6.3% of portfolio

SPDR GOLD TR

-5.6%

1.4% of portfolio

ISHARES TR

-1.5%

5.4% of portfolio

INTERNATIONAL BUSINESS MACHS

-31.0%

0.1% of portfolio

INVESCO QQQ TR

-2.4%

1.3% of portfolio

Sector Breakdown

Other89.8%

ETF3.2%

Technology2.8%

Healthcare1.1%

Industrial0.8%

Consumer0.7%

Financial0.7%

Energy0.5%

🚪 Exited Positionssold since Q3 2025

ORACLE CORP

SOLD

$279.6K

Changes from Q3 2025

NEW5 new positions

↑51 increased

↓43 decreased

Historical Filings

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

📌 Top Holdings

ISHARES GOLD TR

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