Arkolith/Funds/Sterling Financial Planning, Inc.

Sterling Financial Planning, Inc.

CIK 1844278Wealth platform
Holdings as of Jun 30, 2026·disclosed Aug 11, 2026·~42-day 13F lag·13F-HR
Active Filer

Sterling Financial Planning, Inc. holds a diversified book of 123 reported positions worth $367.7M as of Q2 2026 (disclosed Aug 11, 2026, a ~42-day 13F lag). This quarter they opened Ge Vernova Inc and trimmed Ishares S&P Small-Cap 600 GR. Their largest long position is Ishares S&P Mid-Cap 400 Valu at 6% of the reported non-option book. Cloning the disclosed picks since 2025 would be +12% (+13.5%/yr). That is a simulation of the disclosed long book, not audited returns.

Sterling Financial Planning, Inc. is a wealth platform: this book aggregates client accounts across many advisers.

Growth of $10,000: cloning the disclosed book

If you'd copied them
+11.9%
+13.5%/yr · since Oct '25
Their reported book
+13.4%
held from quarter-end
S&P 500
+13.7%
same window
$9K$10K$10K$11K$12KOct '25Dec '25Mar '26May '26Jul '26Sep '26
Sterling Financial Planning, Inc. (copied at disclosure) S&P 500

The reported book (valued from quarter-end) returned +13.4%, a 1.5-point gap that is the cost of the ~42-day 13F disclosure lag a real follower can't avoid.

Growth of $10,000 cloning Sterling Financial Planning, Inc.'s disclosed long 13F book, rebalanced on each filing date (so it reflects each quarter's actual reporting lag, ~42 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.

How much sits in the biggest positions

Top-heavy: diversified book

Top 5 holdings
29%
Top 10 holdings
47%
Top 20 holdings
68%

Share of the disclosed book in its largest positions. A higher top-5 share means a more concentrated, higher-conviction portfolio.

Where the money is, by sector

14% mapped to company sectors

ETFs / funds
86%
Financials
7%
Information Technology
3%
Health Care
1%
Industrials
1%
Consumer Discretionary
1%
Energy
1%

+6 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.

Biggest moves: latest quarter

Estimated $ traded · quarter-end prices (an exit at the prior quarter-end), no cost basis

Bought
Trimmed / exited

Funds with the most overlap

Other tracked managers holding the same core names as Sterling Financial Planning, Inc.

Manager / fundShared namesTheir $ in those
Donor Advised Charitable Giving, Inc.10 / 80$4.4B
Hoffman, Alan N Investment Management9 / 80$161.9M
Swiss Re Ltd22 / 80$1.0B
Greenbrier Partners Capital Management, LLC8 / 80$1.2B
Stephenson & Company, Inc.21 / 80$186.9M
LTG Capital LLC14 / 80$127.0M
United American Securities Inc. (d/b/a UAS Asset Management)9 / 80$393.3M
Consolidated Portfolio Review Corp18 / 80$996.1M

Ranked by the share of each fund's own book sitting in the names it shares with Sterling Financial Planning, Inc.: 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.

Holdings: largest first

Bars show each position's share of the portfolio. Click a row for its position history.

123 positions
#SecurityValueShares% PortLast moveHistory
1Ishares TR
S&P MC 400VL ETF
$23.1M156.5K
6.3%
+1.7%
Added · +3K sh
2Ishares TR
S&P SML 600 GWT
$22.9M128.0K
6.2%
−1.4%
Reduced · −2K sh
3Ishares TR
S&P MC 400GR ETF
$21.5M182.7K
5.8%
−1.5%
Reduced · −3K sh
4Ishares TR
S&P 500 GRWT ETF
$20.4M148.2K
5.5%
−0.3%
Reduced · −477 sh
5Ishares Gold TR
ISHARES NEW
$17.6M233.7K
4.8%
−0.7%
Reduced · −2K sh
6Dimensional ETF Trust
INTERNATNAL VAL
$16.8M310.3K
4.6%
+0.7%
Added · +2K sh
7Vanguard Whitehall FDS
HIGH DIV YLD
$13.1M83.0K
3.6%
+2.0%
Added · +2K sh
8Schwab Strategic TR
FUNDAMENTAL US L
$13.0M418.3K
3.5%
−1.4%
Reduced · −6K sh
9Dimensional ETF Trust
INTL SMALL CAP V
$12.2M302.9K
3.3%
+2.2%
Added · +7K sh
10Vanguard BD Index FDS
INTERMED TERM
$11.8M153.9K
3.2%
+7.3%
Added · +11K sh
11Dimensional ETF Trust
US SMALL CAP ETF
$11.3M292.0K
3.1%
+0.7%
Added · +2K sh
12Ishares TR
SP SMCP600VL ETF
$10.0M73.3K
2.7%
−4.4%
Reduced · −3K sh
13Innovator Etfs Trust
US EQT ACC 9 BFR
$9.8M288.6K
2.7%
+1.3%
Added · +4K sh
14Ishares TR
CORE S&P500 ETF
$9.2M12.3K
2.5%
−0.9%
Reduced · −119 sh
15Dimensional ETF Trust
INFLATION PROTE
$7.4M179.7K
2.0%
+5.2%
Added · +9K sh
16Dimensional ETF Trust
EMERGING MKTS VA
$7.4M173.2K
2.0%
−2.1%
Reduced · −4K sh
17Dimensional ETF Trust
GLOBAL REAL EST
$7.2M247.3K
1.9%
+5.1%
Added · +12K sh
18Ishares TR
CORE S&P MCP ETF
$5.1M66.8K
1.4%
−3.2%
Reduced · −2K sh
19Invesco QQQ TR
UNIT SER 1
$5.0M6.8K
1.4%
−2.9%
Reduced · −201 sh
20Ishares TR
EAFE GRWTH ETF
$5.0M40.0K
1.4%
−1.8%
Reduced · −719 sh
21Ishares TR
S&P 500 VAL ETF
$4.9M21.7K
1.3%
−5.2%
Reduced · −1K sh
22Vanguard Scottsdale FDS
SHRT TRM CORP BD
$4.9M62.0K
1.3%
+11%
Added · +6K sh
23Vanguard BD Index FDS
SHORT TRM BOND
$4.8M61.8K
1.3%
+5.4%
Added · +3K sh
24Apple Inc
COM
$4.7M16.1K
1.3%
+2.9%
Added · +449 sh
25Ishares TR
US TREAS BD ETF
$4.5M198.2K
1.2%
+3.1%
Added · +6K sh
26Vanguard Index FDS
MCAP VL IDXVIP
$4.3M21.6K
1.2%
−0.9%
Reduced · −205 sh
27Vanguard Mun BD FDS
TAX EXEMPT BD
$4.0M79.0K
1.1%
+2.0%
Added · +2K sh
28SPDR Gold TR
GOLD SHS
$3.8M10.3K
1.0%
−3.5%
Reduced · −373 sh
29Vanguard Index FDS
MCAP GR IDXVIP
$3.5M11.5K
1.0%
+1.9%
Added · +212 sh
30Vanguard Wellington FD
SHORT TRM TAX EX
$3.5M34.6K
1.0%
+5.1%
Added · +2K sh
31Vanguard Index FDS
SML CP GRW ETF
$3.1M8.5K
0.8%
−0.2%
Reduced · −19 sh
32Vanguard Malvern FDS
STRM INFPROIDX
$3.1M61.1K
0.8%
+9.0%
Added · +5K sh
33Vanguard Index FDS
REAL ESTATE ETF
$3.0M31.2K
0.8%
−2.1%
Reduced · −688 sh
34Vanguard Charlotte FDS
TOTAL INT BD ETF
$3.0M61.9K
0.8%
+4.2%
Added · +2K sh
35Ishares TR
INTL SEL DIV ETF
$3.0M71.6K
0.8%
−5.0%
Reduced · −4K sh
36Wisdomtree TR
EMG MKTS SMCAP
$2.5M39.3K
0.7%
−0.8%
Reduced · −322 sh
37Vanguard Index FDS
SM CP VAL ETF
$2.5M10.4K
0.7%
−0.3%
Reduced · −27 sh
38Johnson & Johnson
COM
$2.5M9.7K
0.7%
−0.7%
Reduced · −71 sh
39Schwab Strategic TR
FUNDAMENTAL INTL
$2.4M49.0K
0.6%
−7.8%
Reduced · −4K sh
40Vanguard Tax-Managed FDS
VAN FTSE DEV MKT
$2.0M28.5K
0.6%
−1.1%
Reduced · −309 sh
41State STR SPDR S&P 500 ETF T
TR UNIT
$1.9M2.6K
0.5%
+0.1%
Added · +2 sh
42Ishares TR
NATIONAL MUN ETF
$1.8M17.1K
0.5%
+4.5%
Added · +745 sh
43Ishares TR
CORE S&P SCP ETF
$1.6M10.7K
0.4%
−3.8%
Reduced · −420 sh
44Ishares TR
TIPS BD ETF
$1.6M14.5K
0.4%
+1.6%
Added · +229 sh
45Invesco Exchange Traded FD T
RAFI US 1000 ETF
$1.6M29.3K
0.4%
−3.8%
Reduced · −1K sh
46Exxon Mobil Corp
COM
$1.6M11.4K
0.4%
−12%
Reduced · −2K sh
47Ishares TR
EAFE SML CP ETF
$1.3M16.0K
0.4%
−3.4%
Reduced · −562 sh
48Dimensional ETF Trust
US REAL ESTA ETF
$1.3M49.9K
0.4%
−0.6%
Reduced · −311 sh
49Microsoft Corp
COM
$1.2M3.3K
0.3%
~0%
Added · +1 sh
50Dimensional ETF Trust
US LARG VALU ETF
$1.1M29.1K
0.3%
+2.4%
Added · +685 sh
Showing 50 of 123 positions
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Filing history

As-of date vs the date the SEC received each filing

$367.7M · Q2 2026Q3 2025 · $317.1MQ2 2026 · $367.7M

Reported 13F total per quarter. Raw filing totals can include option notional.

QuarterAs ofFiledLagPositionsValueForm
Q2 2026Jun 30, 2026Aug 11, 202642d123$367.7M13F-HR
Q1 2026Mar 31, 2026May 6, 202636d117$337.3M13F-HR
Q4 2025Dec 31, 2025Jan 27, 202627d120$331.8M13F-HR
Q3 2025Sep 30, 2025Oct 24, 202524d116$317.1M13F-HR

Data source

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.