Pearl Planning LLC holds a focused book of 58 stocks worth $217.4M as of Q2 2026 (disclosed Jul 21, 2026, a ~45-day 13F lag). This quarter they opened Micron Technology Inc and trimmed Vanguard Value ETF. Their largest long position is Vanguard S&P 500 ETF at 14% of the equity book. Cloning the disclosed picks since 2026 would be +4% (+9.0%/yr). That is a simulation of the disclosed long book, not audited returns.
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curl -H "Authorization: Bearer YOUR_API_KEY" \ "https://arkolith.com/api/v1/funds/2100519/holdings"
Use Arkolith to show Pearl Planning LLC's latest holdings, largest changes, and filing provenance.
The reported book (valued from quarter-end) returned +6.4%, a 2.2-point gap that is the cost of the ~45-day 13F disclosure lag a real follower can't avoid.
Growth of $10,000 cloning Pearl Planning LLC's disclosed long 13F book, rebalanced on each filing date (so it reflects the ~45-day reporting lag, no look-ahead), total-return basis (dividends reinvested), derived from end-of-day prices. “Their reported book” values the same picks from quarter-end, before they were public. S&P 500 is SPY total return over the same window. Excludes shorts, cash, options and non-13F holdings. Not investment advice.
Top-heavy: focused book
Share of the disclosed book in its largest positions. A higher top-5 share means a more concentrated, higher-conviction portfolio.
2% mapped to company sectors
Direct operating-company sectors from our SIC-based security master. ETF/fund and unclassified holdings stay visible separately; this is not ETF look-through exposure.
Estimated $ traded · quarter-end prices, no cost basis
Other tracked managers holding the same core names as Pearl Planning LLC
| Manager / fund | Shared names | Their $ in those |
|---|---|---|
| MORGAN STANLEY | 58 / 58 | $462.0B |
| LPL Financial LLC | 58 / 58 | $84.3B |
| COMMONWEALTH EQUITY SERVICES, LLC | 58 / 58 | $19.2B |
| OSAIC HOLDINGS, INC. | 58 / 58 | $16.6B |
| CWM, LLC | 58 / 58 | $6.8B |
| ENVESTNET ASSET MANAGEMENT INC | 57 / 58 | $103.9B |
| Kestra Advisory Services, LLC | 57 / 58 | $7.7B |
| JPMORGAN CHASE & CO | 56 / 58 | $403.1B |
Ranked by how many of Pearl Planning LLC's top 58 disclosed names each fund also holds: a cross-fund conviction signal from the latest 13F of every tracked manager.
Bars show each stock's share of the portfolio. Click a row for its position history.
| # | Security | Value | Shares | % Port | Last move | History |
|---|---|---|---|---|---|---|
| 1 | Vanguard Index FDS S&P 500 ETF SHS | $31.2M | 45.5K | 14.4% | ▲+6.4% Added · +3K sh | |
| 2 | American Centy ETF TR INTL EQT ETF | $23.4M | 261.8K | 10.7% | ▲+13% Added · +31K sh | |
| 3 | J P Morgan Exchange Traded F INCOME ETF | $18.0M | 391.4K | 8.3% | ▲+9.3% Added · +33K sh | |
| 4 | Fidelity Merrimack STR TR TOTAL BD ETF | $17.5M | 385.6K | 8.1% | ▲+9.8% Added · +34K sh | |
| 5 | Vanguard Index FDS VALUE ETF | $15.3M | 70.3K | 7.0% | ▼−3.9% Reduced · −3K sh | |
| 6 | Vanguard Index FDS MID CAP ETF | $14.8M | 183.2K | 6.8% | ▲+315% Added · +139K sh | |
| 7 | Ea Series Trust FREEDOM 100 EM | $12.3M | 169.0K | 5.7% | ▼−4.1% Reduced · −7K sh | |
| 8 | Ishares TR CORE DIV GRWTH | $8.6M | 113.6K | 4.0% | ▲+6.6% Added · +7K sh | |
| 9 | American Centy ETF TR US SML CP VALU | $8.3M | 66.7K | 3.8% | ▲+2.1% Added · +1K sh | |
| 10 | Vanguard World FD ESG US STK ETF | $8.0M | 60.6K | 3.7% | ▲+3.4% Added · +2K sh | |
| 11 | Invesco Exch Traded FD TR II NASDAQ 100 ETF | $6.8M | 22.6K | 3.1% | ▲+7.1% Added · +2K sh | |
| 12 | T Rowe Price Exchange-Traded SMALL MID CAP | $5.4M | 122.5K | 2.5% | ▲+2.0% Added · +2K sh | |
| 13 | Ea Series Trust ALPHA ARCH 1-3 | $4.6M | 39.2K | 2.1% | ▼−22% Reduced · −11K sh | |
| 14 | Invesco QQQ TR UNIT SER 1 | $3.6M | 4.9K | 1.7% | ▼−1.8% Reduced · −92 sh | |
| 15 | Vanguard BD Index FDS SHORT TRM BOND | $3.6M | 46.3K | 1.7% | ▲+17% Added · +7K sh | |
| 16 | Vanguard World FD ESG US CORP BD | $3.5M | 55.4K | 1.6% | ▲+34% Added · +14K sh | |
| 17 | Invesco Exch Traded FD TR II ESG NASDAQ 100 | $3.2M | 62.6K | 1.5% | ▲+9.9% Added · +6K sh | |
| 18 | SPDR Series Trust ST STR BLO 1 ETF | $3.0M | 32.6K | 1.4% | ▼−3.3% Reduced · −1K sh | |
| 19 | Ishares TR ESG AWARE MSCI | $2.6M | 46.8K | 1.2% | ▲+8.1% Added · +4K sh | |
| 20 | Ishares TR NATIONAL MUN ETF | $1.8M | 17.1K | 0.8% | ▲+0.1% Added · +12 sh | |
| 21 | Vanguard BD Index FDS TOTAL BND MRKT | $1.7M | 23.4K | 0.8% | ▼−15% Reduced · −4K sh | |
| 22 | Invesco Exch Traded FD TR II S&P INTL MOMNT | $1.5M | 25.4K | 0.7% | ▲+51% Added · +9K sh | |
| 23 | Ishares TR MSCI USA QLT FCT | $1.1M | 5.2K | 0.5% | ▼−8.4% Reduced · −476 sh | |
| 24 | Vanguard BD Index FDS INTERMED TERM | $1.1M | 14.2K | 0.5% | ▼−5.8% Reduced · −878 sh | |
| 25 | Vanguard Index FDS SMALL CP ETF | $1.0M | 3.4K | 0.5% | ▲+0.1% Added · +3 sh | |
| 26 | Ishares TR CORE S&P500 ETF | $1.0M | 1.3K | 0.5% | ▼−0.3% Reduced · −4 sh | |
| 27 | Vanguard Tax-Managed FDS VAN FTSE DEV MKT | $878K | 12.3K | 0.4% | ▲+2.1% Added · +252 sh | |
| 28 | American Centy ETF TR AVAN US SMAL ETF | $829K | 11.3K | 0.4% | —Held | |
| 29 | Invesco Exchange Traded FD T S&P MDCP QUALITY | $780K | 6.9K | 0.4% | ▲+1.9% Added · +127 sh | |
| 30 | Ishares TR CORE US AGGBD ET | $738K | 7.5K | 0.3% | ▲+0.4% Added · +32 sh | |
| 31 | Ishares TR CORE S&P MCP ETF | $727K | 9.4K | 0.3% | ▼−7.5% Reduced · −765 sh | |
| 32 | Apple Inc COM | $719K | 2.5K | 0.3% | ▲+0.6% Added · +15 sh | |
| 33 | International Business Machs COM | $718K | 2.6K | 0.3% | ▼−7.3% Reduced · −200 sh | |
| 34 | Ishares TR RUS 1000 GRW ETF | $704K | 5.7K | 0.3% | ▲+300% Added · +4K sh | |
| 35 | Ishares TR CORE MSCI EAFE | $538K | 5.6K | 0.2% | ▼−0.3% Reduced · −18 sh | |
| 36 | Ishares TR MORNINGSTAR VALU | $534K | 5.3K | 0.2% | —Held | |
| 37 | Oracle Corp COM | $437K | 3.0K | 0.2% | ▼−1.3% Reduced · −40 sh | |
| 38 | Microsoft Corp COM | $427K | 1.1K | 0.2% | ▲+5.5% Added · +60 sh | |
| 39 | Select Sector SPDR TR ST STR TECHN ETF | $425K | 2.2K | 0.2% | —Held | |
| 40 | TCW ETF Trust TRANSFRM 500 ETF | $420K | 4.8K | 0.2% | —Held | |
| 41 | Republic Svcs Inc COM | $397K | 1.9K | 0.2% | ▼−0.3% Reduced · −6 sh | |
| 42 | Meta Platforms Inc CL A | $394K | 700 | 0.2% | ▼−4.4% Reduced · −32 sh | |
| 43 | Nvidia Corporation COM | $377K | 1.9K | 0.2% | ▲+13% Added · +220 sh | |
| 44 | Vanguard Index FDS SM CP VAL ETF | $360K | 1.5K | 0.2% | ▼−0.5% Reduced · −7 sh | |
| 45 | RBB Fund Trust FIRS EAGL OV ETF | $337K | 6.3K | 0.2% | —Held | |
| 46 | Ishares TR CORE 1 5 YR USD | $332K | 6.9K | 0.2% | —Held | |
| 47 | Alphabet Inc CAP STK CL A | $303K | 848 | 0.1% | ▲+17% Added · +123 sh | |
| 48 | Amazon Com Inc COM | $301K | 1.3K | 0.1% | ▲+18% Added · +191 sh | |
| 49 | Micron Technology Inc COM | $300K | 260 | 0.1% | ▲New New position | |
| 50 | Vanguard Index FDS TOTAL STK MKT | $296K | 800 | 0.1% | ▼−1.0% Reduced · −8 sh |
As-of date vs the date the SEC received each filing
Holdings from SEC EDGAR 13F-HR filings, updated quarterly ~45 days after quarter-end. Public domain. The book and weighting are long equity only; disclosed put/call options are listed separately and excluded from those totals. The performance line is a simulation of the disclosed long book, not an audited return.