Pearl Planning LLC Top Holdings and 13F Report (2026) About Pearl Planning LLCInvestment ActivityPearl Planning LLC has $241.05 million in total holdings as of September 30, 2026.Pearl Planning LLC owns shares of 61 different stocks, but just 14 companies or ETFs make up 80% of its holdings.Approximately 15.30% of the portfolio was purchased this quarter.About 4.54% of the portfolio was sold this quarter.This quarter, Pearl Planning LLC has purchased 58 new stocks and bought additional shares in 28 stocks.Pearl Planning LLC sold shares of 18 stocks and completely divested from 3 stocks this quarter.Largest Holdings Vanguard S&P 500 ETF $34,657,257Avantis International Equity ETF $30,184,322JPMorgan Income ETF $18,786,119Fidelity Total Bond ETF $18,029,050Vanguard Mid-Cap ETF $14,751,499 Largest New Holdings this Quarter 092528108 - iShares High Yield Muni Income Active ETF $7,287,592 Holding87283Q818 - T ROWE PRICE EXCHANGE-TRADED $7,130,420 Holding46641Q670 - J P MORGAN EXCHANGE TRADED F $1,023,203 Holding922020748 - VANGUARD MALVERN FDS $827,194 Holding88160R101 - Tesla $620,761 Holding Largest Purchases this Quarter iShares High Yield Muni Income Active ETF 340,940 shares (about $7.29M)T ROWE PRICE EXCHANGE-TRADED 147,274 shares (about $7.13M)Avantis International Equity ETF 73,199 shares (about $6.60M)Vanguard S&P 500 ETF 3,997 shares (about $2.80M)Vanguard ESG U.S. Stock ETF 12,497 shares (about $1.69M) Largest Sales this Quarter Vanguard Value ETF 19,782 shares (about $4.27M)Vanguard Total Bond Market ETF 16,736 shares (about $1.17M)Vanguard Intermediate-Term Bond ETF 8,257 shares (about $601.60K)SPDR Bloomberg 1-3 Month T-Bill ETF 4,482 shares (about $410.74K)Alpha Architect 1-3 Month Box ETF 2,635 shares (about $311.96K) Sector Allocation Over TimeMap of 500 Largest Holdings ofPearl Planning LLC Selling Neutral Buying Latest 13F Holdings and Changes Since Previous Quarterly FilingIssuer NameHoldings ValueApproximate Purchase/SaleChange in SharesShares Held% of PortfolioSectorVOOVanguard S&P 500 ETF$34,657,257$2,801,316 ▲8.8%49,45014.4%ETFAVDEAvantis International Equity ETF$30,184,322$6,595,961 ▲28.0%334,97212.5%ETFJPIEJPMorgan Income ETF$18,786,119$1,218,136 ▲6.9%418,4927.8%ETFFBNDFidelity Total Bond ETF$18,029,050$1,333,381 ▲8.0%416,3757.5%ETFVOVanguard Mid-Cap ETF$14,751,499$387,630 ▲2.7%188,1096.1%ETFFRDMFreedom 100 Emerging Markets ETF$11,669,290$157,131 ▼-1.3%166,7994.8%ETFVTVVanguard Value ETF$10,923,174$4,274,455 ▼-28.1%50,5524.5%ETFESGVVanguard ESG U.S. Stock ETF$9,909,358$1,693,709 ▲20.6%73,1164.1%ETFDGROiShares Core Dividend Growth ETF$9,730,321$1,169,303 ▲13.7%129,0664.0%ETFQQQMInvesco NASDAQ 100 ETF$8,039,632$1,157,310 ▲16.8%26,3913.3%ETFAVUVAvantis U.S. Small Cap Value ETF$7,969,775$113,884 ▲1.4%67,6723.3%ETFHYMUiShares High Yield Muni Income Active ETF$7,287,592$7,287,592 ▲New Holding340,9403.0%ETFT ROWE PRICE EXCHANGE-TRADED$7,130,420$7,130,420 ▲New Holding147,2743.0%INTER MU IN ETFTMSLT. Rowe Price Small-Mid Cap ETF$5,015,076$31,095 ▲0.6%123,2212.1%ETFBOXXAlpha Architect 1-3 Month Box ETF$4,330,469$311,958 ▼-6.7%36,5781.8%ETFBSVVanguard Short-Term Bond ETF$4,182,497$646,646 ▲18.3%54,7451.7%ETFQQQInvesco QQQ$4,108,194$484,579 ▲13.4%5,5531.7%ETFQQMGInvesco ESG NASDAQ 100 ETF$3,821,385$577,132 ▲17.8%73,7221.6%ETFVCEBVanguard ESG U.S. Corporate Bond ETF$3,142,822$158,780 ▼-4.8%52,7501.3%ETFESMLiShares ESG Aware MSCI USA Small-Cap ETF$2,581,789$147,731 ▲6.1%49,6501.1%ETFBILSPDR Bloomberg 1-3 Month T-Bill ETF$2,576,397$410,735 ▼-13.8%28,1141.1%ETFIDMOInvesco S&P International Developed Momentum ETF$1,531,154$17,580 ▼-1.1%25,0840.6%ETFIVViShares Core S&P 500 ETF$1,031,012$1,532 ▼-0.1%1,3460.4%ETFJ P MORGAN EXCHANGE TRADED F$1,023,203$1,023,203 ▲New Holding22,8500.4%CORE PLUS BD ETFAAPLApple$1,000,479$172,519 ▲20.8%3,0040.4%TechnologyVBVanguard Small-Cap ETF$969,259$10,811 ▼-1.1%3,4070.4%ETFQUALiShares MSCI USA Quality Factor ETF$968,077$188,015 ▼-16.3%4,3560.4%ETFVEAVanguard FTSE Developed Markets ETF$866,121$4,449 ▼-0.5%12,2660.4%ETFVANGUARD MALVERN FDS$827,194$827,194 ▲New Holding11,2360.3%CORE BD ETFAMZNAmazon.com$807,767$493,580 ▲157.1%3,2420.3%Consumer DiscretionaryNVDANVIDIA$783,351$353,079 ▲82.1%3,4300.3%TechnologyMSFTMicrosoft$769,865$182,593 ▲31.1%1,5010.3%TechnologyAVSCAvantis U.S. Small Cap Equity ETF$760,886$20,742 ▼-2.7%11,0050.3%ETFIWFiShares Russell 1000 Growth ETF$710,5650.0%5,6730.3%ETFXMHQInvesco S&P MidCap Quality ETF$684,493$86,636 ▼-11.2%6,1310.3%ETFIJHiShares Core S&P Mid-Cap ETF$661,297$16,693 ▼-2.5%9,1910.3%ETFTSLATesla$620,761$620,761 ▲New Holding1,7500.3%Consumer DiscretionaryILCViShares Morningstar Value ETF$560,093$4,003 ▲0.7%5,3170.2%ETFIEFAiShares Core MSCI EAFE ETF$558,901$19,376 ▲3.6%5,7690.2%ETFMETAMeta Platforms$519,200$11,602 ▲2.3%7160.2%Communication ServicesBNDVanguard Total Bond Market ETF$466,685$1,173,973 ▼-71.6%6,6530.2%ETFXLKTechnology Select Sector SPDR Fund$436,9140.0%2,2320.2%ETFBIVVanguard Intermediate-Term Bond ETF$432,351$601,605 ▼-58.2%5,9340.2%ETFTCW ETF TRUST$428,7840.0%4,7610.2%TRANSFRM 500 ETFGOOGLAlphabet$417,110$125,271 ▲42.9%1,2120.2%Communication ServicesRSGRepublic Services$390,9880.0%1,8630.2%IndustrialsORCLOracle$381,841$27,735 ▼-6.8%2,7810.2%TechnologyRBB FUND TRUST$339,0740.0%6,3060.1%FIRS EAGL OV ETFVTIVanguard Total Stock Market ETF$326,778$27,325 ▲9.1%8730.1%ETFESGUiShares ESG Aware MSCI USA ETF$288,8980.0%1,7320.1%ETFMUMicron Technology$282,373$5,328 ▲1.9%2650.1%TechnologyJPMJPMorgan Chase & Co.$271,520$992 ▲0.4%8210.1%FinanceAVGOBroadcom$266,691$23,893 ▲9.8%7590.1%TechnologyVBRVanguard Small-Cap Value ETF$257,136$85,481 ▼-24.9%1,1130.1%ETFMTUMiShares MSCI USA Momentum Factor ETF$244,9860.0%7720.1%ETFISTBiShares Core 1-5 Year USD Bond ETF$239,605$85,617 ▼-26.3%5,0710.1%ETFAVSDAvantis Responsible International Equity ETF$237,8650.0%2,9860.1%ETFSHESPDR MSCI USA Gender Diversity ETF$230,8460.0%1,4660.1%ETFGOOGAlphabet$219,157$1,363 ▲0.6%6430.1%Communication ServicesTXNTexas Instruments$204,490$2,801 ▲1.4%7300.1%TechnologyJNJJohnson & Johnson$201,682$201,682 ▲New Holding7620.1%HealthcareMUBiShares National Muni Bond ETF$0$1,845,253 ▼-100.0%00.0%ETFAGGiShares Core U.S. Aggregate Bond ETF$0$738,292 ▼-100.0%00.0%ETFIBMInternational Business Machines$0$718,153 ▼-100.0%00.0%TechnologyShowing largest 100 holdings. 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