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Investments & Financial Planning, LLC

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13F filer, CIK 1909307, LEXINGTON, KY

Investments & Financial Planning, LLC reported $186,337,868 across 37 holdings for the quarter ended 2025-12-31, in a 13F-HR filed 2026-02-23. Its ten largest share positions make up 90.24% of the portfolio.

Filed (acceptance time not in the bulk data set), ingested 13F-HR 0001909307-26-000002

Period
2025-12-31
Reported value
$186M
Holdings
37
Top 10 weight
90.24%
New
1
Sold out
1

Largest buys vs the previous quarter

SecurityShares changeApprox. value
VCSHadded+49,651$3.96M
SHYGadded+6,705$287K
GOOGLnew+707$221K
BIVadded+1,901$148K
SCHVadded+3,738$111K

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
SPYGreduced-10,400-$1.11M
VTreduced-6,023-$850K
VBreduced-3,025-$780K
CGGRreduced-15,154-$674K
VTVreduced-2,810-$537K

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 0001909307-26-000002, largest first. % of portfolio is the value over $186,337,868, 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; 2024Q1: restricted; 2024Q2: restricted; 2024Q3: 153,063 shares; 2024Q4: 152,058 shares; 2025Q1: 152,823 shares; 2025Q2: 156,471 shares; 2025Q3: 152,767 shares; 2025Q4: 149,742 shares 149,742$38.6M20.73%-3,025Timeline
SPYGSPDR SERIES TRUSTQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2024Q1: restricted; 2024Q2: restricted; 2024Q3: 381,274 shares; 2024Q4: 373,020 shares; 2025Q1: 369,339 shares; 2025Q2: 374,028 shares; 2025Q3: 369,859 shares; 2025Q4: 359,459 shares 359,459$38.4M20.58%-10,400Timeline
IJHISHARES TRQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2024Q1: restricted; 2024Q2: restricted; 2024Q3: 395,142 shares; 2024Q4: 396,889 shares; 2025Q1: 396,879 shares; 2025Q2: 404,959 shares; 2025Q3: 407,297 shares; 2025Q4: 404,791 shares 404,791$26.7M14.34%-2,506Timeline
VOVANGUARD INDEX FDSQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2024Q1: restricted; 2024Q2: restricted; 2024Q3: 55,878 shares; 2024Q4: 56,484 shares; 2025Q1: 57,416 shares; 2025Q2: 58,805 shares; 2025Q3: 58,627 shares; 2025Q4: 57,285 shares 57,285$16.6M8.92%-1,342Timeline
CGGRCAPITAL GROUP GROWTH ETFQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2024Q1: restricted; 2024Q2: restricted; 2024Q3: 232,143 shares; 2024Q4: 240,713 shares; 2025Q1: 248,817 shares; 2025Q2: 263,134 shares; 2025Q3: 265,510 shares; 2025Q4: 250,356 shares 250,356$11.1M5.97%-15,154Timeline
VCSHVANGUARD SCOTTSDALE FDSQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2024Q1: restricted; 2024Q2: restricted; 2024Q3: 90,324 shares; 2024Q4: 92,314 shares; 2025Q1: 90,627 shares; 2025Q2: 84,538 shares; 2025Q3: 86,633 shares; 2025Q4: 136,284 shares 136,284$10.9M5.83%+49,651Timeline
URTHISHARES INCQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2024Q1: restricted; 2024Q2: restricted; 2024Q3: 47,563 shares; 2024Q4: 49,609 shares; 2025Q1: 51,215 shares; 2025Q2: 54,495 shares; 2025Q3: 54,938 shares; 2025Q4: 54,335 shares 54,335$10.1M5.42%-603Timeline
VTVANGUARD INTL EQUITY INDEX FQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2024Q1: restricted; 2024Q2: restricted; 2024Q3: 62,019 shares; 2024Q4: 62,072 shares; 2025Q1: 62,106 shares; 2025Q2: 62,009 shares; 2025Q3: 60,161 shares; 2025Q4: 54,138 shares 54,138$7.64M4.1%-6,023Timeline
NVDANVIDIA CORPORATIONQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2024Q1: restricted; 2024Q2: restricted; 2024Q3: 23,032 shares; 2024Q4: 23,032 shares; 2025Q1: 24,037 shares; 2025Q2: 24,219 shares; 2025Q3: 24,236 shares; 2025Q4: 24,280 shares 24,280$4.53M2.43%+44Timeline
BIVVANGUARD BD INDEX FDSQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2024Q1: restricted; 2024Q2: restricted; 2024Q3: 30,516 shares; 2024Q4: 35,977 shares; 2025Q1: 40,071 shares; 2025Q2: 41,296 shares; 2025Q3: 44,025 shares; 2025Q4: 45,926 shares 45,926$3.58M1.92%+1,901Timeline
SHYGISHARES TRQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2024Q1: restricted; 2024Q2: restricted; 2024Q3: 22,779 shares; 2024Q4: 34,044 shares; 2025Q1: 42,689 shares; 2025Q2: 45,093 shares; 2025Q3: 52,684 shares; 2025Q4: 59,389 shares 59,389$2.55M1.37%+6,705Timeline
TSLATESLA INCQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2024Q1: restricted; 2024Q2: restricted; 2024Q3: 5,506 shares; 2024Q4: 5,511 shares; 2025Q1: 5,557 shares; 2025Q2: 5,557 shares; 2025Q3: 5,557 shares; 2025Q4: 5,557 shares 5,557$2.5M1.34%0Timeline
VUGVANGUARD INDEX FDSQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2024Q1: restricted; 2024Q2: restricted; 2024Q3: 4,074 shares; 2024Q4: 4,027 shares; 2025Q1: 3,975 shares; 2025Q2: 3,962 shares; 2025Q3: 3,957 shares; 2025Q4: 3,583 shares 3,583$1.75M0.94%-374Timeline
MUBISHARES TRQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2024Q1: restricted; 2024Q2: restricted; 2024Q3: 6,658 shares; 2024Q4: 6,674 shares; 2025Q1: 7,315 shares; 2025Q2: 7,197 shares; 2025Q3: 8,449 shares; 2025Q4: 8,879 shares 8,879$951K0.51%+430Timeline
BNDXVANGUARD CHARLOTTE FDSQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2024Q1: restricted; 2024Q2: restricted; 2024Q3: 39,260 shares; 2024Q4: 35,366 shares; 2025Q1: 31,638 shares; 2025Q2: 29,207 shares; 2025Q3: 22,897 shares; 2025Q4: 19,515 shares 19,515$943K0.51%-3,382Timeline
VTVVANGUARD INDEX FDSQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2024Q1: restricted; 2024Q2: restricted; 2024Q3: 7,543 shares; 2024Q4: 7,578 shares; 2025Q1: 7,616 shares; 2025Q2: 7,504 shares; 2025Q3: 7,546 shares; 2025Q4: 4,736 shares 4,736$904K0.49%-2,810Timeline
SPYMSPDR SERIES TRUSTQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2024Q1: restricted; 2024Q2: restricted; 2024Q3: 12,678 shares; 2024Q4: 12,459 shares; 2025Q1: 12,340 shares; 2025Q2: 12,295 shares; 2025Q3: 11,470 shares; 2025Q4: 10,335 shares 10,335$829K0.44%-1,135Timeline
AAPLAPPLE INCQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2024Q1: restricted; 2024Q2: restricted; 2024Q3: 2,973 shares; 2024Q4: 2,975 shares; 2025Q1: 2,975 shares; 2025Q2: 2,975 shares; 2025Q3: 2,976 shares; 2025Q4: 2,976 shares 2,976$809K0.43%0Timeline
SPYVSPDR SERIES TRUSTQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2024Q1: restricted; 2024Q2: restricted; 2024Q3: 10,872 shares; 2024Q4: 11,222 shares; 2025Q1: 11,956 shares; 2025Q2: 12,001 shares; 2025Q3: 11,402 shares; 2025Q4: 10,234 shares 10,234$581K0.31%-1,168Timeline
VWOBVANGUARD WHITEHALL FDSQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2024Q1: restricted; 2024Q2: restricted; 2024Q3: 10,009 shares; 2024Q4: 11,820 shares; 2025Q1: 13,914 shares; 2025Q2: 14,400 shares; 2025Q3: 11,118 shares; 2025Q4: 8,312 shares 8,312$560K0.3%-2,806Timeline
SCHVSCHWAB STRATEGIC TRQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2024Q1: restricted; 2024Q2: restricted; 2024Q3: 3,407 shares; 2024Q4: 10,180 shares; 2025Q1: 12,995 shares; 2025Q2: 13,019 shares; 2025Q3: 13,874 shares; 2025Q4: 17,612 shares 17,612$522K0.28%+3,738Timeline
VOEVANGUARD INDEX FDSQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2024Q1: restricted; 2024Q2: restricted; 2024Q3: 2,778 shares; 2024Q4: 2,787 shares; 2025Q1: 2,799 shares; 2025Q2: 2,807 shares; 2025Q3: 2,694 shares; 2025Q4: 2,682 shares 2,682$476K0.26%-12Timeline
SPABSPDR SERIES TRUSTQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2024Q1: restricted; 2024Q2: restricted; 2024Q3: 18,649 shares; 2024Q4: 18,022 shares; 2025Q1: 17,628 shares; 2025Q2: 17,385 shares; 2025Q3: 16,385 shares; 2025Q4: 18,133 shares 18,133$467K0.25%+1,748Timeline
AMZNAMAZON COM INCQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2024Q1: restricted; 2024Q2: restricted; 2024Q3: 1,884 shares; 2024Q4: 1,884 shares; 2025Q1: 1,884 shares; 2025Q2: 1,909 shares; 2025Q3: 1,909 shares; 2025Q4: 1,859 shares 1,859$429K0.23%-50Timeline
SUBISHARES TRQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2024Q1: restricted; 2024Q2: restricted; 2024Q3: 2,655 shares; 2024Q4: 2,569 shares; 2025Q1: 3,069 shares; 2025Q2: 2,661 shares; 2025Q3: 3,990 shares; 2025Q4: 3,957 shares 3,957$422K0.23%-33Timeline
LQDISHARES TRQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2024Q1: restricted; 2024Q2: restricted; 2024Q3: 4,377 shares; 2024Q4: 4,365 shares; 2025Q1: 4,326 shares; 2025Q2: 4,275 shares; 2025Q3: 4,316 shares; 2025Q4: 3,817 shares 3,817$421K0.23%-499Timeline
SPDWSPDR INDEX SHS FDSQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2024Q1: restricted; 2024Q2: restricted; 2024Q3: 10,814 shares; 2024Q4: 10,543 shares; 2025Q1: 11,601 shares; 2025Q2: 11,565 shares; 2025Q3: 9,705 shares; 2025Q4: 9,043 shares 9,043$402K0.22%-662Timeline
VBRVANGUARD INDEX FDSQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2024Q1: restricted; 2024Q2: restricted; 2024Q3: 1,892 shares; 2024Q4: 1,898 shares; 2025Q1: 1,922 shares; 2025Q2: 1,946 shares; 2025Q3: 1,876 shares; 2025Q4: 1,847 shares 1,847$391K0.21%-29Timeline
SCHGSCHWAB STRATEGIC TRQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2024Q1: restricted; 2024Q2: restricted; 2024Q3: 2,364 shares; 2024Q4: 9,457 shares; 2025Q1: 9,458 shares; 2025Q2: 9,359 shares; 2025Q3: 9,285 shares; 2025Q4: 11,886 shares 11,886$388K0.21%+2,601Timeline
MSFTMICROSOFT CORPQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2024Q1: restricted; 2024Q2: restricted; 2024Q3: 586 shares; 2024Q4: not reported; 2025Q1: 632 shares; 2025Q2: 633 shares; 2025Q3: 633 shares; 2025Q4: 633 shares 633$306K0.16%0Timeline
BABOEING COQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2024Q1: restricted; 2024Q2: restricted; 2024Q3: not reported; 2024Q4: 1,191 shares; 2025Q1: 1,191 shares; 2025Q2: 1,191 shares; 2025Q3: 1,191 shares; 2025Q4: 1,191 shares 1,191$259K0.14%0Timeline
SCHWCHARLES SCHWAB CORP (THE)Quarterly 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: 2,548 shares; 2025Q3: 2,549 shares; 2025Q4: 2,500 shares 2,500$250K0.13%-49Timeline
JNKSPDR SERIES TRUSTQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2024Q1: restricted; 2024Q2: restricted; 2024Q3: 2,772 shares; 2024Q4: 2,547 shares; 2025Q1: 2,546 shares; 2025Q2: 2,456 shares; 2025Q3: 2,475 shares; 2025Q4: 2,287 shares 2,287$222K0.12%-188Timeline
GOOGLALPHABET 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: 707 shares 707$221K0.12%newTimeline
DISDISNEY WALT COQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2024Q1: restricted; 2024Q2: restricted; 2024Q3: not reported; 2024Q4: 1,996 shares; 2025Q1: not reported; 2025Q2: 1,926 shares; 2025Q3: 1,931 shares; 2025Q4: 1,931 shares 1,931$220K0.12%0Timeline
UNHUNITEDHEALTH GROUP INCQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2024Q1: restricted; 2024Q2: restricted; 2024Q3: not reported; 2024Q4: not reported; 2025Q1: 428 shares; 2025Q2: 642 shares; 2025Q3: 642 shares; 2025Q4: 642 shares 642$212K0.11%0Timeline
SPEMSPDR INDEX SHS FDSQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2024Q1: restricted; 2024Q2: restricted; 2024Q3: 5,174 shares; 2024Q4: not reported; 2025Q1: not reported; 2025Q2: 4,870 shares; 2025Q3: 4,555 shares; 2025Q4: 4,355 shares 4,355$204K0.11%-200Timeline

Sold out in Q4 2025

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

SecurityShares beforeValue beforeType
VIGVANGUARD SPECIALIZED FUNDS1,942$419Kshares

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 0001909307-26-000002 base2026-02-23acceptance time not in the bulk data set