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Fee-Only Financial Planning, L.C.

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13F filer, CIK 1954044, OKATIE, SC

Fee-Only Financial Planning, L.C. reported $171,537,735 across 42 holdings for the quarter ended 2025-12-31, in a 13F-HR filed 2026-01-26. Its ten largest share positions make up 87.15% of the portfolio.

Filed (acceptance time not in the bulk data set), ingested 13F-HR 0001954044-26-000001

Period
2025-12-31
Reported value
$172M
Holdings
42
Top 10 weight
87.15%
New
2
Sold out
2

Largest buys vs the previous quarter

SecurityShares changeApprox. value
WBDnew+9,945$287K
JNJnew+1,050$217K
VTIadded+35$11.7K

Ranked by the share change valued at this quarter's implied price (value over shares in the 13F). A position sold out is valued at the previous quarter's price, its last report.

Largest sells vs the previous quarter

SecurityShares changeApprox. value
VUGreduced-2,199-$1.07M
VTVreduced-2,785-$532K
ORCLexited-800-$225K
NSCexited-695-$209K
VOreduced-678-$197K

Ranked by the share change valued at this quarter's implied price (value over shares in the 13F). A position sold out is valued at the previous quarter's price, its last report.

Holdings, Q4 2025

Share positions as resolved from 13F-HR 0001954044-26-000001, largest first. % of portfolio is the value over $171,537,735, the sum of the share positions whose value is usable for ratios (method).

SecurityHistorySharesValue% of portfolioChangeLatest eventTimeline
VUGVANGUARD INDEX FDSQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2024Q1: restricted; 2024Q2: restricted; 2024Q3: 115,025 shares; 2024Q4: 112,803 shares; 2025Q1: 110,352 shares; 2025Q2: 110,916 shares; 2025Q3: 109,202 shares; 2025Q4: 107,003 shares 107,003$52.2M30.43%-2,199Timeline
VTVVANGUARD INDEX FDSQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2024Q1: restricted; 2024Q2: restricted; 2024Q3: 177,066 shares; 2024Q4: 172,901 shares; 2025Q1: 169,985 shares; 2025Q2: 170,888 shares; 2025Q3: 169,415 shares; 2025Q4: 166,630 shares 166,630$31.8M18.55%-2,785Timeline
VOVANGUARD INDEX FDSQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2024Q1: restricted; 2024Q2: restricted; 2024Q3: 52,842 shares; 2024Q4: 52,467 shares; 2025Q1: 51,601 shares; 2025Q2: 51,815 shares; 2025Q3: 51,341 shares; 2025Q4: 50,663 shares 50,663$14.7M8.57%-678Timeline
VBVANGUARD INDEX FDSQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2024Q1: restricted; 2024Q2: restricted; 2024Q3: 43,914 shares; 2024Q4: 43,766 shares; 2025Q1: 43,429 shares; 2025Q2: 43,819 shares; 2025Q3: 43,807 shares; 2025Q4: 43,560 shares 43,560$11.2M6.55%-247Timeline
VBRVANGUARD INDEX FDSQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2024Q1: restricted; 2024Q2: restricted; 2024Q3: 55,372 shares; 2024Q4: 54,012 shares; 2025Q1: 53,656 shares; 2025Q2: 53,675 shares; 2025Q3: 52,884 shares; 2025Q4: 52,710 shares 52,710$11.2M6.51%-174Timeline
VBKVANGUARD INDEX FDSQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2024Q1: restricted; 2024Q2: restricted; 2024Q3: 31,063 shares; 2024Q4: 30,268 shares; 2025Q1: 30,160 shares; 2025Q2: 30,239 shares; 2025Q3: 30,247 shares; 2025Q4: 30,017 shares 30,017$9.07M5.29%-230Timeline
VEUVANGUARD INTL EQUITY INDEX FQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2024Q1: restricted; 2024Q2: restricted; 2024Q3: 104,492 shares; 2024Q4: 101,253 shares; 2025Q1: 100,841 shares; 2025Q2: 101,844 shares; 2025Q3: 100,955 shares; 2025Q4: 100,413 shares 100,413$7.39M4.31%-542Timeline
VOOVANGUARD INDEX FDSQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2024Q1: restricted; 2024Q2: restricted; 2024Q3: 7,646 shares; 2024Q4: 7,463 shares; 2025Q1: 7,463 shares; 2025Q2: 7,813 shares; 2025Q3: 7,813 shares; 2025Q4: 7,733 shares 7,733$4.85M2.83%-80Timeline
VOEVANGUARD INDEX FDSQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2024Q1: restricted; 2024Q2: restricted; 2024Q3: 22,836 shares; 2024Q4: 22,636 shares; 2025Q1: 22,635 shares; 2025Q2: 22,771 shares; 2025Q3: 22,618 shares; 2025Q4: 22,518 shares 22,518$3.99M2.33%-100Timeline
VTIVANGUARD INDEX FDSQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2024Q1: restricted; 2024Q2: restricted; 2024Q3: 9,725 shares; 2024Q4: 9,481 shares; 2025Q1: 9,120 shares; 2025Q2: 9,264 shares; 2025Q3: 9,116 shares; 2025Q4: 9,151 shares 9,151$3.07M1.79%+35Timeline
VXFVANGUARD INDEX FDSQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2024Q1: restricted; 2024Q2: restricted; 2024Q3: 11,307 shares; 2024Q4: 11,254 shares; 2025Q1: 11,194 shares; 2025Q2: 11,194 shares; 2025Q3: 11,194 shares; 2025Q4: 11,194 shares 11,194$2.34M1.36%0Timeline
VOTVANGUARD INDEX FDSQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2024Q1: restricted; 2024Q2: restricted; 2024Q3: 7,060 shares; 2024Q4: 7,060 shares; 2025Q1: 7,155 shares; 2025Q2: 7,150 shares; 2025Q3: 7,078 shares; 2025Q4: 7,063 shares 7,063$1.97M1.15%-15Timeline
BACBANK OF AMER CORPQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2024Q1: restricted; 2024Q2: restricted; 2024Q3: 35,117 shares; 2024Q4: 34,917 shares; 2025Q1: 34,617 shares; 2025Q2: 34,617 shares; 2025Q3: 34,317 shares; 2025Q4: 34,317 shares 34,317$1.89M1.1%0Timeline
MGKVANGUARD WORLD FDQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2024Q1: restricted; 2024Q2: restricted; 2024Q3: 4,200 shares; 2024Q4: 4,200 shares; 2025Q1: 4,200 shares; 2025Q2: 4,200 shares; 2025Q3: 4,200 shares; 2025Q4: 4,200 shares 4,200$1.73M1.01%0Timeline
VEAVANGUARD TAX-MANAGED FDSQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2024Q1: restricted; 2024Q2: restricted; 2024Q3: 20,281 shares; 2024Q4: 20,281 shares; 2025Q1: 19,819 shares; 2025Q2: 20,194 shares; 2025Q3: 20,194 shares; 2025Q4: 20,194 shares 20,194$1.26M0.74%0Timeline
PMPHILIP MORRIS INTL INCQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2024Q1: restricted; 2024Q2: restricted; 2024Q3: 8,876 shares; 2024Q4: 8,876 shares; 2025Q1: 7,876 shares; 2025Q2: 7,876 shares; 2025Q3: 7,726 shares; 2025Q4: 7,726 shares 7,726$1.24M0.72%0Timeline
VDEVANGUARD WORLD FDQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2024Q1: restricted; 2024Q2: restricted; 2024Q3: 7,800 shares; 2024Q4: 7,800 shares; 2025Q1: 7,800 shares; 2025Q2: 7,800 shares; 2025Q3: 7,800 shares; 2025Q4: 7,800 shares 7,800$982K0.57%0Timeline
VVVANGUARD INDEX FDSQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2024Q1: restricted; 2024Q2: restricted; 2024Q3: 3,107 shares; 2024Q4: 2,927 shares; 2025Q1: 2,927 shares; 2025Q2: 2,927 shares; 2025Q3: 2,925 shares; 2025Q4: 2,925 shares 2,925$921K0.54%0Timeline
AAPLAPPLE INCQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2024Q1: restricted; 2024Q2: restricted; 2024Q3: 1,202 shares; 2024Q4: 1,202 shares; 2025Q1: 1,161 shares; 2025Q2: 2,582 shares; 2025Q3: 2,582 shares; 2025Q4: 2,582 shares 2,582$702K0.41%0Timeline
XOMEXXON MOBIL CORPQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2024Q1: restricted; 2024Q2: restricted; 2024Q3: 6,367 shares; 2024Q4: 6,217 shares; 2025Q1: 6,217 shares; 2025Q2: 6,017 shares; 2025Q3: 5,881 shares; 2025Q4: 5,763 shares 5,763$694K0.4%-118Timeline
TFCTRUIST FINL CORPQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2024Q1: restricted; 2024Q2: restricted; 2024Q3: 17,146 shares; 2024Q4: 15,886 shares; 2025Q1: 15,041 shares; 2025Q2: 15,371 shares; 2025Q3: 13,506 shares; 2025Q4: 13,506 shares 13,506$665K0.39%0Timeline
TAT&T INCQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2024Q1: restricted; 2024Q2: restricted; 2024Q3: 25,477 shares; 2024Q4: 25,477 shares; 2025Q1: 25,477 shares; 2025Q2: 25,477 shares; 2025Q3: 25,377 shares; 2025Q4: 25,377 shares 25,377$630K0.37%0Timeline
MOALTRIA GROUP INCQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2024Q1: restricted; 2024Q2: restricted; 2024Q3: 10,553 shares; 2024Q4: 10,553 shares; 2025Q1: 10,553 shares; 2025Q2: 10,553 shares; 2025Q3: 10,553 shares; 2025Q4: 10,553 shares 10,553$608K0.35%0Timeline
MSFTMICROSOFT CORPQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2024Q1: restricted; 2024Q2: restricted; 2024Q3: 1,226 shares; 2024Q4: 1,226 shares; 2025Q1: 1,226 shares; 2025Q2: 1,226 shares; 2025Q3: 1,226 shares; 2025Q4: 1,159 shares 1,159$561K0.33%-67Timeline
AEPAMERICAN ELEC PWR CO INCQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2024Q1: restricted; 2024Q2: restricted; 2024Q3: 4,769 shares; 2024Q4: 4,769 shares; 2025Q1: 4,769 shares; 2025Q2: 4,769 shares; 2025Q3: 4,769 shares; 2025Q4: 4,769 shares 4,769$550K0.32%0Timeline
GEGE AEROSPACEQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2024Q1: restricted; 2024Q2: restricted; 2024Q3: 1,829 shares; 2024Q4: 1,829 shares; 2025Q1: 1,829 shares; 2025Q2: 1,829 shares; 2025Q3: 1,829 shares; 2025Q4: 1,662 shares 1,662$512K0.3%-167Timeline
SOSOUTHERN COQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2024Q1: restricted; 2024Q2: restricted; 2024Q3: 5,650 shares; 2024Q4: 5,650 shares; 2025Q1: 5,650 shares; 2025Q2: 5,650 shares; 2025Q3: 5,650 shares; 2025Q4: 5,650 shares 5,650$493K0.29%0Timeline
ADBEADOBE INCQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2024Q1: restricted; 2024Q2: restricted; 2024Q3: 1,405 shares; 2024Q4: 1,405 shares; 2025Q1: 1,405 shares; 2025Q2: 1,405 shares; 2025Q3: 1,405 shares; 2025Q4: 1,405 shares 1,405$492K0.29%0Timeline
VWOVANGUARD INTL EQUITY INDEX FQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2024Q1: restricted; 2024Q2: restricted; 2024Q3: 8,310 shares; 2024Q4: 8,310 shares; 2025Q1: 7,840 shares; 2025Q2: 7,840 shares; 2025Q3: 7,640 shares; 2025Q4: 7,640 shares 7,640$411K0.24%0Timeline
AZOAUTOZONE INCQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2024Q1: restricted; 2024Q2: restricted; 2024Q3: 113 shares; 2024Q4: 107 shares; 2025Q1: 107 shares; 2025Q2: 107 shares; 2025Q3: 104 shares; 2025Q4: 104 shares 104$353K0.21%0Timeline
MDLZMONDELEZ INTL INCQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2024Q1: restricted; 2024Q2: restricted; 2024Q3: 6,213 shares; 2024Q4: 6,213 shares; 2025Q1: 6,213 shares; 2025Q2: 6,213 shares; 2025Q3: 6,213 shares; 2025Q4: 5,941 shares 5,941$320K0.19%-272Timeline
VNQVANGUARD INDEX FDSQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2024Q1: restricted; 2024Q2: restricted; 2024Q3: 3,986 shares; 2024Q4: 3,586 shares; 2025Q1: 3,586 shares; 2025Q2: 3,586 shares; 2025Q3: 3,586 shares; 2025Q4: 3,586 shares 3,586$317K0.18%0Timeline
GEVGE VERNOVA INCQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2024Q1: restricted; 2024Q2: restricted; 2024Q3: not reported; 2024Q4: not reported; 2025Q1: not reported; 2025Q2: 454 shares; 2025Q3: 454 shares; 2025Q4: 454 shares 454$297K0.17%0Timeline
FENYFIDELITY COVINGTON TRUSTQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2024Q1: restricted; 2024Q2: restricted; 2024Q3: 12,815 shares; 2024Q4: 11,815 shares; 2025Q1: 11,815 shares; 2025Q2: 11,815 shares; 2025Q3: 11,815 shares; 2025Q4: 11,815 shares 11,815$293K0.17%0Timeline
RDVYFIRST TR EXCHANGE TRADED FDQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2024Q1: restricted; 2024Q2: restricted; 2024Q3: 4,635 shares; 2024Q4: 4,435 shares; 2025Q1: 4,235 shares; 2025Q2: 4,235 shares; 2025Q3: 4,135 shares; 2025Q4: 4,135 shares 4,135$287K0.17%0Timeline
WBDWARNER BROS DISCOVERY INCQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2024Q1: restricted; 2024Q2: restricted; 2024Q3: not reported; 2024Q4: not reported; 2025Q1: not reported; 2025Q2: not reported; 2025Q3: not reported; 2025Q4: 9,945 shares 9,945$287K0.17%newTimeline
SCZISHARES TRQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2024Q1: restricted; 2024Q2: restricted; 2024Q3: 3,350 shares; 2024Q4: 3,350 shares; 2025Q1: 3,350 shares; 2025Q2: 3,350 shares; 2025Q3: 3,350 shares; 2025Q4: 3,350 shares 3,350$260K0.15%0Timeline
IJKISHARES TRQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2024Q1: restricted; 2024Q2: restricted; 2024Q3: 2,560 shares; 2024Q4: 2,560 shares; 2025Q1: 2,560 shares; 2025Q2: 2,560 shares; 2025Q3: 2,560 shares; 2025Q4: 2,560 shares 2,560$248K0.14%0Timeline
CMCSACOMCAST CORP NEWQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2024Q1: restricted; 2024Q2: restricted; 2024Q3: 7,969 shares; 2024Q4: 7,969 shares; 2025Q1: 7,969 shares; 2025Q2: 7,969 shares; 2025Q3: 7,969 shares; 2025Q4: 7,969 shares 7,969$238K0.14%0Timeline
DDOMINION ENERGY INCQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2024Q1: restricted; 2024Q2: restricted; 2024Q3: 4,060 shares; 2024Q4: 4,060 shares; 2025Q1: 4,060 shares; 2025Q2: 4,060 shares; 2025Q3: 4,060 shares; 2025Q4: 4,060 shares 4,060$238K0.14%0Timeline
JNJJOHNSON & JOHNSONQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2024Q1: restricted; 2024Q2: restricted; 2024Q3: not reported; 2024Q4: not reported; 2025Q1: not reported; 2025Q2: not reported; 2025Q3: not reported; 2025Q4: 1,050 shares 1,050$217K0.13%newTimeline
FUBOFUBOTV INCQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2024Q1: restricted; 2024Q2: restricted; 2024Q3: not reported; 2024Q4: not reported; 2025Q1: not reported; 2025Q2: 13,140 shares; 2025Q3: 13,140 shares; 2025Q4: 13,140 shares 13,140$33.1K0.02%0Timeline

Sold out in Q4 2025

Positions in the previous quarter's report that this quarter's report no longer lists.

SecurityShares beforeValue beforeType
ORCLORACLE CORP800$225Kshares
NSCNORFOLK SOUTHN CORP695$209Kshares

How Q4 2025 was built

Available 13F filings of this filer for the quarter and their roles: the base report is the latest original or restatement, NEW HOLDINGS amendments filed after it are added (method).

FilingRoleAmendmentFiledAcceptedIngested
13F-HR 0001954044-26-000001 base2026-01-26acceptance time not in the bulk data set