Skip to content
Disclosery

Investments & Financial Planning, LLC

Follow

13F filer, CIK 1909307, LEXINGTON, KY

Investments & Financial Planning, LLC reported $185,104,513 across 37 holdings for the quarter ended 2025-09-30, in a 13F-HR filed 2025-11-13. Its ten largest share positions make up 89.74% of the portfolio.

Filed (acceptance time not in the bulk data set), ingested 13F-HR 0001909307-25-000013

Period
2025-09-30
Reported value
$185M
Holdings
37
Top 10 weight
89.74%
New
0
Sold out
0

Largest buys vs the previous quarter

SecurityShares changeApprox. value
SHYGadded+7,591$329K
BIVadded+2,729$213K
VCSHadded+2,095$167K
IJHadded+2,338$153K
SUBadded+1,329$142K

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
VBreduced-3,704-$942K
SPYGreduced-4,169-$436K
BNDXreduced-6,310-$312K
VTreduced-1,848-$255K
VWOBreduced-3,282-$220K

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, Q3 2025

Share positions as resolved from 13F-HR 0001909307-25-000013, largest first. % of portfolio is the value over $185,104,513, the sum of the share positions whose value is usable for ratios (method).

SecurityHistorySharesValue% of portfolioChangeLatest eventTimeline
VBVANGUARD INDEX FDSQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2023Q4: restricted; 2024Q1: restricted; 2024Q2: restricted; 2024Q3: 153,063 shares; 2024Q4: 152,058 shares; 2025Q1: 152,823 shares; 2025Q2: 156,471 shares; 2025Q3: 152,767 shares 152,767$38.8M20.99%-3,704Timeline
SPYGSPDR SERIES TRUSTQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2023Q4: restricted; 2024Q1: restricted; 2024Q2: restricted; 2024Q3: 381,274 shares; 2024Q4: 373,020 shares; 2025Q1: 369,339 shares; 2025Q2: 374,028 shares; 2025Q3: 369,859 shares 369,859$38.7M20.88%-4,169Timeline
IJHISHARES TRQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2023Q4: restricted; 2024Q1: restricted; 2024Q2: restricted; 2024Q3: 395,142 shares; 2024Q4: 396,889 shares; 2025Q1: 396,879 shares; 2025Q2: 404,959 shares; 2025Q3: 407,297 shares 407,297$26.6M14.36%+2,338Timeline
VOVANGUARD INDEX FDSQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2023Q4: restricted; 2024Q1: restricted; 2024Q2: restricted; 2024Q3: 55,878 shares; 2024Q4: 56,484 shares; 2025Q1: 57,416 shares; 2025Q2: 58,805 shares; 2025Q3: 58,627 shares 58,627$17.2M9.3%-178Timeline
CGGRCAPITAL GROUP GROWTH ETFQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2023Q4: restricted; 2024Q1: restricted; 2024Q2: restricted; 2024Q3: 232,143 shares; 2024Q4: 240,713 shares; 2025Q1: 248,817 shares; 2025Q2: 263,134 shares; 2025Q3: 265,510 shares 265,510$11.7M6.3%+2,376Timeline
URTHISHARES INCQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2023Q4: restricted; 2024Q1: restricted; 2024Q2: restricted; 2024Q3: 47,563 shares; 2024Q4: 49,609 shares; 2025Q1: 51,215 shares; 2025Q2: 54,495 shares; 2025Q3: 54,938 shares 54,938$9.97M5.39%+443Timeline
VTVANGUARD INTL EQUITY INDEX FQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2023Q4: restricted; 2024Q1: restricted; 2024Q2: restricted; 2024Q3: 62,019 shares; 2024Q4: 62,072 shares; 2025Q1: 62,106 shares; 2025Q2: 62,009 shares; 2025Q3: 60,161 shares 60,161$8.29M4.48%-1,848Timeline
VCSHVANGUARD SCOTTSDALE FDSQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2023Q4: restricted; 2024Q1: restricted; 2024Q2: restricted; 2024Q3: 90,324 shares; 2024Q4: 92,314 shares; 2025Q1: 90,627 shares; 2025Q2: 84,538 shares; 2025Q3: 86,633 shares 86,633$6.92M3.74%+2,095Timeline
NVDANVIDIA CORPORATIONQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2023Q4: restricted; 2024Q1: restricted; 2024Q2: restricted; 2024Q3: 23,032 shares; 2024Q4: 23,032 shares; 2025Q1: 24,037 shares; 2025Q2: 24,219 shares; 2025Q3: 24,236 shares 24,236$4.52M2.44%+17Timeline
BIVVANGUARD BD INDEX FDSQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2023Q4: restricted; 2024Q1: restricted; 2024Q2: restricted; 2024Q3: 30,516 shares; 2024Q4: 35,977 shares; 2025Q1: 40,071 shares; 2025Q2: 41,296 shares; 2025Q3: 44,025 shares 44,025$3.44M1.86%+2,729Timeline
TSLATESLA INCQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2023Q4: restricted; 2024Q1: restricted; 2024Q2: restricted; 2024Q3: 5,506 shares; 2024Q4: 5,511 shares; 2025Q1: 5,557 shares; 2025Q2: 5,557 shares; 2025Q3: 5,557 shares 5,557$2.47M1.34%0Timeline
SHYGISHARES TRQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2023Q4: restricted; 2024Q1: restricted; 2024Q2: restricted; 2024Q3: 22,779 shares; 2024Q4: 34,044 shares; 2025Q1: 42,689 shares; 2025Q2: 45,093 shares; 2025Q3: 52,684 shares 52,684$2.28M1.23%+7,591Timeline
VUGVANGUARD INDEX FDSQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2023Q4: restricted; 2024Q1: restricted; 2024Q2: restricted; 2024Q3: 4,074 shares; 2024Q4: 4,027 shares; 2025Q1: 3,975 shares; 2025Q2: 3,962 shares; 2025Q3: 3,957 shares 3,957$1.9M1.03%-5Timeline
VTVVANGUARD INDEX FDSQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2023Q4: restricted; 2024Q1: restricted; 2024Q2: restricted; 2024Q3: 7,543 shares; 2024Q4: 7,578 shares; 2025Q1: 7,616 shares; 2025Q2: 7,504 shares; 2025Q3: 7,546 shares 7,546$1.41M0.76%+42Timeline
BNDXVANGUARD CHARLOTTE FDSQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2023Q4: restricted; 2024Q1: restricted; 2024Q2: restricted; 2024Q3: 39,260 shares; 2024Q4: 35,366 shares; 2025Q1: 31,638 shares; 2025Q2: 29,207 shares; 2025Q3: 22,897 shares 22,897$1.13M0.61%-6,310Timeline
MUBISHARES TRQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2023Q4: restricted; 2024Q1: restricted; 2024Q2: restricted; 2024Q3: 6,658 shares; 2024Q4: 6,674 shares; 2025Q1: 7,315 shares; 2025Q2: 7,197 shares; 2025Q3: 8,449 shares 8,449$900K0.49%+1,252Timeline
SPYMSPDR SERIES TRUSTQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2023Q4: restricted; 2024Q1: restricted; 2024Q2: restricted; 2024Q3: 12,678 shares; 2024Q4: 12,459 shares; 2025Q1: 12,340 shares; 2025Q2: 12,295 shares; 2025Q3: 11,470 shares 11,470$899K0.49%-825Timeline
AAPLAPPLE INCQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2023Q4: restricted; 2024Q1: restricted; 2024Q2: restricted; 2024Q3: 2,973 shares; 2024Q4: 2,975 shares; 2025Q1: 2,975 shares; 2025Q2: 2,975 shares; 2025Q3: 2,976 shares 2,976$758K0.41%+1Timeline
VWOBVANGUARD WHITEHALL FDSQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2023Q4: restricted; 2024Q1: restricted; 2024Q2: restricted; 2024Q3: 10,009 shares; 2024Q4: 11,820 shares; 2025Q1: 13,914 shares; 2025Q2: 14,400 shares; 2025Q3: 11,118 shares 11,118$744K0.4%-3,282Timeline
SPYVSPDR SERIES TRUSTQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2023Q4: restricted; 2024Q1: restricted; 2024Q2: restricted; 2024Q3: 10,872 shares; 2024Q4: 11,222 shares; 2025Q1: 11,956 shares; 2025Q2: 12,001 shares; 2025Q3: 11,402 shares 11,402$631K0.34%-599Timeline
LQDISHARES TRQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2023Q4: restricted; 2024Q1: restricted; 2024Q2: restricted; 2024Q3: 4,377 shares; 2024Q4: 4,365 shares; 2025Q1: 4,326 shares; 2025Q2: 4,275 shares; 2025Q3: 4,316 shares 4,316$481K0.26%+41Timeline
VOEVANGUARD INDEX FDSQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2023Q4: restricted; 2024Q1: restricted; 2024Q2: restricted; 2024Q3: 2,778 shares; 2024Q4: 2,787 shares; 2025Q1: 2,799 shares; 2025Q2: 2,807 shares; 2025Q3: 2,694 shares 2,694$470K0.25%-113Timeline
SUBISHARES TRQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2023Q4: restricted; 2024Q1: restricted; 2024Q2: restricted; 2024Q3: 2,655 shares; 2024Q4: 2,569 shares; 2025Q1: 3,069 shares; 2025Q2: 2,661 shares; 2025Q3: 3,990 shares 3,990$426K0.23%+1,329Timeline
SPABSPDR SERIES TRUSTQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2023Q4: restricted; 2024Q1: restricted; 2024Q2: restricted; 2024Q3: 18,649 shares; 2024Q4: 18,022 shares; 2025Q1: 17,628 shares; 2025Q2: 17,385 shares; 2025Q3: 16,385 shares 16,385$424K0.23%-1,000Timeline
AMZNAMAZON COM INCQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2023Q4: restricted; 2024Q1: restricted; 2024Q2: restricted; 2024Q3: 1,884 shares; 2024Q4: 1,884 shares; 2025Q1: 1,884 shares; 2025Q2: 1,909 shares; 2025Q3: 1,909 shares 1,909$419K0.23%0Timeline
VIGVANGUARD SPECIALIZED FUNDSQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2023Q4: restricted; 2024Q1: restricted; 2024Q2: restricted; 2024Q3: 1,864 shares; 2024Q4: 1,821 shares; 2025Q1: 1,778 shares; 2025Q2: 1,941 shares; 2025Q3: 1,942 shares 1,942$419K0.23%+1Timeline
SPDWSPDR INDEX SHS FDSQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2023Q4: restricted; 2024Q1: restricted; 2024Q2: restricted; 2024Q3: 10,814 shares; 2024Q4: 10,543 shares; 2025Q1: 11,601 shares; 2025Q2: 11,565 shares; 2025Q3: 9,705 shares 9,705$415K0.22%-1,860Timeline
SCHVSCHWAB STRATEGIC TRQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2023Q4: restricted; 2024Q1: restricted; 2024Q2: restricted; 2024Q3: 3,407 shares; 2024Q4: 10,180 shares; 2025Q1: 12,995 shares; 2025Q2: 13,019 shares; 2025Q3: 13,874 shares 13,874$404K0.22%+855Timeline
VBRVANGUARD INDEX FDSQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2023Q4: restricted; 2024Q1: restricted; 2024Q2: restricted; 2024Q3: 1,892 shares; 2024Q4: 1,898 shares; 2025Q1: 1,922 shares; 2025Q2: 1,946 shares; 2025Q3: 1,876 shares 1,876$392K0.21%-70Timeline
MSFTMICROSOFT CORPQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2023Q4: restricted; 2024Q1: restricted; 2024Q2: restricted; 2024Q3: 586 shares; 2024Q4: not reported; 2025Q1: 632 shares; 2025Q2: 633 shares; 2025Q3: 633 shares 633$328K0.18%0Timeline
SCHGSCHWAB STRATEGIC TRQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2023Q4: restricted; 2024Q1: restricted; 2024Q2: restricted; 2024Q3: 2,364 shares; 2024Q4: 9,457 shares; 2025Q1: 9,458 shares; 2025Q2: 9,359 shares; 2025Q3: 9,285 shares 9,285$296K0.16%-74Timeline
BABOEING COQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2023Q4: restricted; 2024Q1: restricted; 2024Q2: restricted; 2024Q3: not reported; 2024Q4: 1,191 shares; 2025Q1: 1,191 shares; 2025Q2: 1,191 shares; 2025Q3: 1,191 shares 1,191$257K0.14%0Timeline
SCHWCHARLES SCHWAB CORP (THE)Quarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2023Q4: restricted; 2024Q1: restricted; 2024Q2: restricted; 2024Q3: not reported; 2024Q4: not reported; 2025Q1: not reported; 2025Q2: 2,548 shares; 2025Q3: 2,549 shares 2,549$243K0.13%+1Timeline
JNKSPDR SERIES TRUSTQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2023Q4: restricted; 2024Q1: restricted; 2024Q2: restricted; 2024Q3: 2,772 shares; 2024Q4: 2,547 shares; 2025Q1: 2,546 shares; 2025Q2: 2,456 shares; 2025Q3: 2,475 shares 2,475$243K0.13%+19Timeline
UNHUNITEDHEALTH GROUP INCQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2023Q4: restricted; 2024Q1: restricted; 2024Q2: restricted; 2024Q3: not reported; 2024Q4: not reported; 2025Q1: 428 shares; 2025Q2: 642 shares; 2025Q3: 642 shares 642$222K0.12%0Timeline
DISDISNEY WALT COQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2023Q4: restricted; 2024Q1: restricted; 2024Q2: restricted; 2024Q3: not reported; 2024Q4: 1,996 shares; 2025Q1: not reported; 2025Q2: 1,926 shares; 2025Q3: 1,931 shares 1,931$221K0.12%+5Timeline
SPEMSPDR INDEX SHS FDSQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2023Q4: restricted; 2024Q1: restricted; 2024Q2: restricted; 2024Q3: 5,174 shares; 2024Q4: not reported; 2025Q1: not reported; 2025Q2: 4,870 shares; 2025Q3: 4,555 shares 4,555$213K0.12%-315Timeline

How Q3 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 0001909307-25-000013 base2025-11-13acceptance time not in the bulk data set