Basic Stats
Portfolio Value $ 542,290,064
Current Positions 107
Latest Holdings, Performance, AUM (from 13F, 13D)

Partners in Financial Planning has disclosed 107 total holdings in their latest SEC filings. Most recent portfolio value is calculated to be $ 542,290,064 USD. Actual Assets Under Management (AUM) is this value plus cash (which is not disclosed). Partners in Financial Planning’s top holdings are Vanguard Bond Index Funds - Vanguard Total Bond Market ETF (US:BND) , Vanguard Index Funds - Vanguard Growth ETF (US:VUG) , Vanguard Index Funds - Vanguard Value ETF (US:VTV) , Vanguard Charlotte Funds - Vanguard Total International Bond ETF (US:BNDX) , and Vanguard Tax-Managed Funds - Vanguard FTSE Developed Markets ETF (US:VEA) . Partners in Financial Planning’s new positions include Dimensional ETF Trust - Dimensional Emerging Core Equity Market ETF (US:DFAE) , Dimensional ETF Trust - Dimensional International Small Cap ETF (US:DFIS) , Dimensional ETF Trust - Dimensional US Small Cap Value ETF (US:DFSV) , Seagate Technology Holdings plc (US:STX) , and .

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Top Increases This Quarter

We use the change in the portfolio allocation because this is the most meaningful metric. Changes can be due to trades or changes in share prices.

Security Shares
(MM)		 Value
(MM$)		 Portfolio % ΔPortfolio %
0.14 62.30 11.4884 0.7096
0.29 11.61 2.1415 0.5761
0.08 4.07 0.7514 0.2665
0.04 4.12 0.7601 0.2473
0.11 14.39 2.6530 0.1826
0.00 0.97 0.1793 0.1793
0.02 1.64 0.3025 0.1223
0.07 18.44 3.3995 0.1019
0.01 0.42 0.0777 0.0777
0.01 0.37 0.0679 0.0679
Top Decreases This Quarter

We use the change in the portfolio allocation because this is the most meaningful metric. Changes can be due to trades or changes in share prices.

Security Shares
(MM)		 Value
(MM$)		 Portfolio % ΔPortfolio %
0.30 53.12 9.7953 -0.7661
0.90 66.27 12.2202 -0.5540
0.45 35.33 6.5142 -0.2839
0.15 13.65 2.5178 -0.2302
1.02 50.52 9.3160 -0.2207
0.78 44.39 8.1852 -0.1758
0.04 4.65 0.8577 -0.1001
0.08 6.66 1.2288 -0.0906
0.10 19.61 3.6167 -0.0666
0.06 2.94 0.5423 -0.0540
13F and Fund Filings

This form was filed on 2025-08-04 for the reporting period 2025-06-30. Click the link icon to see the full transaction history.

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2022-07-28: Important Note - We have changed the treatment of the Δ Portfolio % column in this table. Previously, we were reporting it as the percent change in the portfolio allocation. We are now reporting it as the raw change in the portfolio allocation (still reported as a percent). In formula terms, we were previously reporting it as 100 * (current allocation - prior allocation ) / prior allocation. We are now reporting it as (current allocation - prior allocation).
Security Type Avg Share Price Shares
(MM)		 ΔShares
(%)		 ΔShares
(%)		 Value
($MM)		 Portfolio
(%)		 ΔPortfolio
(%)
BND / Vanguard Bond Index Funds - Vanguard Total Bond Market ETF 0.90 3.99 66.27 4.25 12.2202 -0.5540
VUG / Vanguard Index Funds - Vanguard Growth ETF 0.14 -1.75 62.30 16.15 11.4884 0.7096
VTV / Vanguard Index Funds - Vanguard Value ETF 0.30 -1.22 53.12 1.07 9.7953 -0.7661
BNDX / Vanguard Charlotte Funds - Vanguard Total International Bond ETF 1.02 4.97 50.52 6.45 9.3160 -0.2207
VEA / Vanguard Tax-Managed Funds - Vanguard FTSE Developed Markets ETF 0.78 -4.88 44.39 6.68 8.1852 -0.1758
BSV / Vanguard Bond Index Funds - Vanguard Short-Term Bond ETF 0.45 3.87 35.33 4.43 6.5142 -0.2839
VBR / Vanguard Index Funds - Vanguard Small-Cap Value ETF 0.10 2.22 19.61 7.01 3.6167 -0.0666
VBK / Vanguard Index Funds - Vanguard Small-Cap Growth ETF 0.07 2.13 18.44 12.35 3.3995 0.1019
VWO / Vanguard International Equity Index Funds - Vanguard FTSE Emerging Markets ETF 0.31 -2.09 15.13 6.99 2.7900 -0.0517
VSS / Vanguard International Equity Index Funds - Vanguard FTSE All-World ex-US Small-Cap ETF 0.11 0.67 14.39 17.03 2.6530 0.1826
VNQ / Vanguard Specialized Funds - Vanguard Real Estate ETF 0.15 1.50 13.65 -0.15 2.5178 -0.2302
VTEB / Vanguard Municipal Bond Funds - Vanguard Tax-Exempt Bond ETF 0.24 9.72 11.68 8.41 2.1536 -0.0112
SPDW / SPDR Index Shares Funds - SPDR Portfolio Developed World ex-US ETF 0.29 34.06 11.61 49.09 2.1415 0.5761
VTI / Vanguard Index Funds - Vanguard Total Stock Market ETF 0.04 0.09 10.99 10.68 2.0271 0.0313
SUB / iShares Trust - iShares Short-Term National Muni Bond ETF 0.09 8.52 9.72 9.27 1.7933 0.0049
VCIT / Vanguard Scottsdale Funds - Vanguard Intermediate-Term Corporate Bond ETF 0.08 0.07 6.66 1.49 1.2288 -0.0906
VOO / Vanguard Index Funds - Vanguard S&P 500 ETF 0.01 -0.13 6.03 10.38 1.1120 0.0142
MUB / iShares Trust - iShares National Muni Bond ETF 0.04 -1.52 4.65 -2.41 0.8577 -0.1001
SPYG / SPDR Series Trust - SPDR Portfolio S&P 500 Growth ETF 0.04 36.18 4.12 61.52 0.7601 0.2473
SPYV / SPDR Series Trust - SPDR Portfolio S&P 500 Value ETF 0.08 64.78 4.07 68.91 0.7514 0.2665
VO / Vanguard Index Funds - Vanguard Mid-Cap ETF 0.01 0.00 4.00 8.19 0.7383 -0.0053
SCZ / iShares Trust - iShares MSCI EAFE Small-Cap ETF 0.05 5.64 3.71 20.76 0.6834 0.0668
VXF / Vanguard Index Funds - Vanguard Extended Market ETF 0.02 0.13 3.12 12.01 0.5745 0.0156
SPEM / SPDR Index Shares Funds - SPDR Portfolio Emerging Markets ETF 0.07 8.18 2.96 17.43 0.5468 0.0394
IAGG / iShares Trust - iShares Core International Aggregate Bond ETF 0.06 -3.02 2.94 -0.91 0.5423 -0.0540
VFMF / Vanguard Wellington Fund - Vanguard U.S. Multifactor ETF 0.02 -2.91 2.69 3.38 0.4965 -0.0269
SPAB / SPDR Series Trust - SPDR Portfolio Aggregate Bond ETF 0.10 22.11 2.56 22.38 0.4720 0.0517
VV / Vanguard Index Funds - Vanguard Large-Cap ETF 0.01 0.00 2.53 10.97 0.4663 0.0085
SLYV / SPDR Series Trust - SPDR S&P 600 Small Cap Value ETF 0.03 19.42 2.48 21.48 0.4579 0.0472
NSC / Norfolk Southern Corporation 0.01 5.13 2.26 13.57 0.4169 0.0170
VEU / Vanguard International Equity Index Funds - Vanguard FTSE All-World ex-US ETF 0.03 0.76 1.95 11.69 0.3594 0.0086
VB / Vanguard Index Funds - Vanguard Small-Cap ETF 0.01 -0.52 1.64 6.27 0.3033 -0.0076
SLYG / SPDR Series Trust - SPDR S&P 600 Small Cap Growth ETF 0.02 71.06 1.64 83.04 0.3025 0.1223
IWF / iShares Trust - iShares Russell 1000 Growth ETF 0.00 0.00 1.63 17.60 0.3007 0.0220
SPTS / SPDR Series Trust - SPDR Portfolio Short Term Treasury ETF 0.05 -4.14 1.40 -3.98 0.2585 -0.0349
BIV / Vanguard Bond Index Funds - Vanguard Intermediate-Term Bond ETF 0.02 0.75 1.39 1.69 0.2560 -0.0182
VNQI / Vanguard International Equity Index Funds - Vanguard Global ex-U.S. Real Estate ETF 0.03 -2.84 1.36 10.80 0.2516 0.0040
XOM / Exxon Mobil Corporation 0.01 0.00 1.36 -9.39 0.2509 -0.0508
AMZN / Amazon.com, Inc. 0.01 0.00 1.35 15.35 0.2481 0.0136
AAPL / Apple Inc. 0.01 0.02 1.34 -7.59 0.2470 -0.0444
VXUS / Vanguard STAR Funds - Vanguard Total International Stock ETF 0.02 1.73 1.32 13.17 0.2441 0.0091
MSFT / Microsoft Corporation 0.00 0.00 1.28 32.47 0.2356 0.0418
LRGF / iShares Trust - iShares U.S. Equity Factor ETF 0.02 -2.82 1.25 7.69 0.2300 -0.0028
FERG / Ferguson Enterprises Inc. 0.00 -33.82 1.08 -10.09 0.1989 -0.0421
DFAT / Dimensional ETF Trust - Dimensional U.S. Targeted Value ETF 0.02 0.12 1.03 5.02 0.1892 -0.0073
EFA / iShares Trust - iShares MSCI EAFE ETF 0.01 0.31 0.99 9.66 0.1823 0.0012
TSLA / Tesla, Inc. 0.00 0.97 0.1793 0.1793
STLD / Steel Dynamics, Inc. 0.01 -4.81 0.91 -2.56 0.1686 -0.0200
EW / Edwards Lifesciences Corporation 0.01 0.00 0.91 7.87 0.1671 -0.0017
IVV / iShares Trust - iShares Core S&P 500 ETF 0.00 0.00 0.88 10.57 0.1622 0.0023
BRK.B / Berkshire Hathaway Inc. 0.00 0.00 0.81 -8.78 0.1495 -0.0291
IWD / iShares Trust - iShares Russell 1000 Value ETF 0.00 0.02 0.81 3.33 0.1487 -0.0082
DFAX / Dimensional ETF Trust - Dimensional World ex U.S. Core Equity 2 ETF 0.03 0.93 0.80 13.19 0.1472 0.0054
TPL / Texas Pacific Land Corporation 0.00 0.00 0.75 -20.30 0.1391 -0.0510
DFAC / Dimensional ETF Trust - Dimensional U.S. Core Equity 2 ETF 0.02 1.53 0.75 10.26 0.1388 0.0017
IEFA / iShares Trust - iShares Core MSCI EAFE ETF 0.01 1.32 0.74 11.92 0.1369 0.0035
GE / General Electric Company 0.00 -32.35 0.66 -13.10 0.1213 -0.0307
PG / The Procter & Gamble Company 0.00 0.15 0.64 -6.29 0.1182 -0.0193
TFC / Truist Financial Corporation 0.01 0.00 0.64 4.43 0.1174 -0.0051
HES / Hess Corporation 0.00 0.00 0.62 -13.37 0.1149 -0.0295
WMT / Walmart Inc. 0.01 0.00 0.61 11.33 0.1124 0.0024
SPY / SPDR S&P 500 ETF 0.00 0.22 0.57 10.74 0.1046 0.0016
NKE / NIKE, Inc. 0.01 0.00 0.57 11.86 0.1045 0.0027
AGG / iShares Trust - iShares Core U.S. Aggregate Bond ETF 0.01 0.27 0.56 0.54 0.1037 -0.0087
LOW / Lowe's Companies, Inc. 0.00 0.04 0.52 -4.75 0.0961 -0.0140
CSX / CSX Corporation 0.02 0.00 0.52 10.97 0.0952 0.0016
UDR / UDR, Inc. 0.01 0.00 0.50 -9.68 0.0931 -0.0191
GEV / GE Vernova Inc. 0.00 -1.28 0.49 71.23 0.0901 0.0327
IWP / iShares Trust - iShares Russell Mid-Cap Growth ETF 0.00 0.00 0.47 18.05 0.0870 0.0067
MCD / McDonald's Corporation 0.00 0.00 0.47 -6.36 0.0869 -0.0143
PM / Philip Morris International Inc. 0.00 0.00 0.46 14.79 0.0845 0.0042
GOOG / Alphabet Inc. 0.00 0.00 0.46 13.40 0.0844 0.0034
META / Meta Platforms, Inc. 0.00 0.00 0.46 28.17 0.0840 0.0125
NKSH / National Bankshares, Inc. 0.02 9.81 0.44 12.11 0.0803 0.0023
GOOG / Alphabet Inc. 0.00 0.66 0.43 14.63 0.0796 0.0040
ABT / Abbott Laboratories 0.00 0.00 0.43 2.40 0.0789 -0.0050
DFAE / Dimensional ETF Trust - Dimensional Emerging Core Equity Market ETF 0.01 0.42 0.0777 0.0777
JNJ / Johnson & Johnson 0.00 -4.44 0.41 -12.02 0.0758 -0.0180
DFIV / Dimensional ETF Trust - Dimensional International Value ETF 0.01 0.85 0.41 9.68 0.0754 0.0005
CVS / CVS Health Corporation 0.01 -0.30 0.41 1.50 0.0749 -0.0055
AVGO / Broadcom Inc. 0.00 0.00 0.40 65.02 0.0741 0.0250
IVW / iShares Trust - iShares S&P 500 Growth ETF 0.00 0.06 0.40 18.62 0.0729 0.0060
VOT / Vanguard Index Funds - Vanguard Mid-Cap Growth ETF 0.00 0.00 0.39 16.02 0.0723 0.0045
IWS / iShares Trust - iShares Russell Mid-Cap Value ETF 0.00 0.03 0.38 4.92 0.0709 -0.0027
DHR / Danaher Corporation 0.00 0.00 0.37 -3.65 0.0683 -0.0089
DFIS / Dimensional ETF Trust - Dimensional International Small Cap ETF 0.01 0.37 0.0679 0.0679
DFSV / Dimensional ETF Trust - Dimensional US Small Cap Value ETF 0.01 0.37 0.0676 0.0676
CAH / Cardinal Health, Inc. 0.00 0.00 0.36 22.22 0.0670 0.0071
IJH / iShares Trust - iShares Core S&P Mid-Cap ETF 0.01 0.13 0.34 6.65 0.0622 -0.0015
COF / Capital One Financial Corporation 0.00 2.25 0.33 21.48 0.0606 0.0062
CVX / Chevron Corporation 0.00 0.00 0.30 -14.37 0.0561 -0.0153
SCHZ / Schwab Strategic Trust - Schwab U.S. Aggregate Bond ETF 0.01 1.03 0.30 1.35 0.0557 -0.0042
UNP / Union Pacific Corporation 0.00 0.00 0.28 -2.47 0.0509 -0.0061
IVE / iShares Trust - iShares S&P 500 Value ETF 0.00 0.29 0.27 2.69 0.0493 -0.0030
EEM / iShares, Inc. - iShares MSCI Emerging Markets ETF 0.01 0.11 0.26 10.73 0.0476 0.0007
WMB / The Williams Companies, Inc. 0.00 0.00 0.25 5.39 0.0469 -0.0017
CARE / Carter Bankshares, Inc. 0.01 0.00 0.25 7.23 0.0465 -0.0008
IJR / iShares Trust - iShares Core S&P Small-Cap ETF 0.00 -19.34 0.25 -15.82 0.0462 -0.0135
ABBV / AbbVie Inc. 0.00 0.00 0.24 -11.27 0.0451 -0.0104
STX / Seagate Technology Holdings plc 0.00 0.23 0.0426 0.0426
RTX / RTX Corporation 0.00 0.00 0.23 10.19 0.0420 0.0005
VOE / Vanguard Index Funds - Vanguard Mid-Cap Value ETF 0.00 0.00 0.22 2.31 0.0409 -0.0026
SO / The Southern Company 0.00 0.00 0.22 0.00 0.0404 -0.0037
IWV / iShares Trust - iShares Russell 3000 ETF 0.00 0.21 0.0395 0.0395
PFE / Pfizer Inc. 0.01 0.00 0.21 -4.59 0.0385 -0.0054
IEMG / iShares, Inc. - iShares Core MSCI Emerging Markets ETF 0.00 0.21 0.0385 0.0385
IWN / iShares Trust - iShares Russell 2000 Value ETF 0.00 0.20 0.0370 0.0370
UNH / UnitedHealth Group Incorporated 0.00 -100.00 0.00 0.0000
ICF / iShares Trust - iShares Select U.S. REIT ETF 0.00 -100.00 0.00 0.0000