Pearl Planning LLC holds a focused book of 58 reported positions worth $217.4M as of Q2 2026 (disclosed Jul 21, 2026, a ~21-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 reported non-option book. Cloning the disclosed picks since 2026 would be +7% (+11.6%/yr). That is a simulation of the disclosed long book, not audited returns.
The reported book (valued from quarter-end) returned +9.0%, a 2.3-point gap that is the cost of the ~21-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 each quarter's actual reporting lag, ~21 days for the latest filing, with 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
+4 sectors below the cut, 1% together
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 (an exit at the prior quarter-end), no cost basis
Other tracked managers holding the same core names as Pearl Planning LLC
| Manager / fund | Shared names | Their $ in those |
|---|---|---|
| Innovator Capital Management, LLC | 8 / 58 | $2.9B |
| Shanda Asset Management Holdings Ltd | 5 / 58 | $2.1B |
| Donor Advised Charitable Giving, Inc. | 10 / 58 | $4.4B |
| Swiss Re Ltd | 16 / 58 | $1.0B |
| United Services Automobile Association | 5 / 58 | $1.1B |
| Hoffman, Alan N Investment Management | 7 / 58 | $153.6M |
| Constellation Investments, Inc. | 8 / 58 | $2.7B |
| Kearns & Associates LLC | 13 / 58 | $177.8M |
Ranked by the share of each fund's own book sitting in the names it shares with Pearl Planning LLC: only funds sharing at least a tenth of the book qualify. Index giants, bank custody books and market makers are excluded. They hold everything, so their overlap says nothing.
Bars show each position'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 |
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Use Arkolith to show Pearl Planning LLC's latest holdings, largest changes, and filing provenance.
As-of date vs the date the SEC received each filing
Reported 13F total per quarter. Raw filing totals can include option notional.
Holdings from SEC EDGAR 13F-HR filings, updated quarterly, filed up to 45 days after quarter-end. Public domain. Book totals and portfolio weights cover reported non-option positions, which can include notes and warrants. 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.