Prosperity Planning, Inc.

13F filer, CIK 1843292, NORTH KANSAS CITY, MO

Prosperity Planning, Inc. reported $312,037,057 across 103 holdings for the quarter ended 2024-12-31, in a 13F-HR filed 2025-01-17. Its ten largest share positions make up 50.63% of the portfolio.

Filed 2025-01-17 (acceptance time not in the bulk data set), ingested 2026-10-07 18:25:55 UTC13F-HR 0001085146-25-000300

Period: 2024-12-31
Reported value: $312M
Holdings: 103
Top 10 weight: 50.63%
New: 2
Sold out: 3

Largest buys vs the previous quarter

Security	Shares change	Approx. value
AVLCadded	+23,367	$1.58M
AVMVadded	+21,196	$1.38M
AVLVadded	+15,769	$1.05M
AVUVadded	+7,781	$751K
AVIVadded	+13,879	$720K

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

Security	Shares change	Approx. value
IVEreduced	-8,827	-$1.68M
VBRreduced	-8,082	-$1.6M
VOEreduced	-7,382	-$1.19M
IVLUreduced	-16,271	-$441K
IWNreduced	-2,255	-$370K

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 2024

Share positions as resolved from 13F-HR 0001085146-25-000300, largest first. % of portfolio is the value over $312,037,057, the sum of the share positions whose value is usable for ratios (method).

Security	Shares	Value	% of portfolio	Change	Timeline
VUGVANGUARD INDEX FDS	45,034	$18.5M	5.92%	-404	Timeline
EFAISHARES TR	237,922	$18M	5.77%	+6,721	Timeline
DFAXDIMENSIONAL ETF TRUST	604,898	$15M	4.82%	-2,986	Timeline
IVEISHARES TR	64,027	$12.2M	3.92%	-8,827	Timeline
IGSBISHARES TR	225,973	$11.7M	3.74%	+12,194	Timeline
AVDVAMERICAN CENTY ETF TR	165,137	$10.7M	3.44%	+6,297	Timeline
VBRVANGUARD INDEX FDS	50,744	$10.1M	3.22%	-8,082	Timeline
VOEVANGUARD INDEX FDS	57,084	$9.23M	2.96%	-7,382	Timeline
VOTVANGUARD INDEX FDS	31,324	$7.95M	2.55%	-742	Timeline
AVEMAMERICAN CENTY ETF TR	122,308	$7.19M	2.3%	+3,106	Timeline
CBRECBRE GROUP INC	41,107	$5.4M	1.73%	0	Timeline
VBKVANGUARD INDEX FDS	18,194	$5.1M	1.63%	-418	Timeline
AVLCAMERICAN CENTY ETF TR	71,298	$4.82M	1.54%	+23,367	Timeline
AVUVAMERICAN CENTY ETF TR	47,882	$4.62M	1.48%	+7,781	Timeline
AVMVAMERICAN CENTY ETF TR	69,213	$4.52M	1.45%	+21,196	Timeline
IVLUISHARES TR	160,060	$4.34M	1.39%	-16,271	Timeline
AVUSAMERICAN CENTY ETF TR	40,765	$3.95M	1.27%	+500	Timeline
USRTISHARES TR	66,475	$3.81M	1.22%	+707	Timeline
VTVVANGUARD INDEX FDS	22,496	$3.81M	1.22%	-551	Timeline
IWNISHARES TR	19,869	$3.26M	1.05%	-2,255	Timeline
DFACDIMENSIONAL ETF TRUST	91,903	$3.18M	1.02%	-2,915	Timeline
AVLVAMERICAN CENTY ETF TR	44,918	$3M	0.96%	+15,769	Timeline
IJJISHARES TR	23,721	$2.96M	0.95%	-2,184	Timeline
SPYSTATE STR SPDR S&P 500 ETF T	4,730	$2.77M	0.89%	-137	Timeline
IVWISHARES TR	26,010	$2.64M	0.85%	-213	Timeline
AAPLAPPLE INC	10,349	$2.59M	0.83%	-25	Timeline
ITOTISHARES TR	17,415	$2.24M	0.72%	-511	Timeline
SCZISHARES TR	34,160	$2.08M	0.67%	+1,443	Timeline
BRK-BBERKSHIRE HATHAWAY INC DEL	4,503	$2.04M	0.65%	+6	Timeline
AVIVAMERICAN CENTY ETF TR	34,723	$1.8M	0.58%	+13,879	Timeline
IWDISHARES TR	9,148	$1.69M	0.54%	-248	Timeline
VNQIVANGUARD INTL EQUITY INDEX F	41,660	$1.65M	0.53%	+856	Timeline
DISVDIMENSIONAL ETF TRUST	52,897	$1.41M	0.45%	-983	Timeline
AVDEAMERICAN CENTY ETF TR	21,551	$1.32M	0.42%	+3,571	Timeline
EEMISHARES TR	30,132	$1.26M	0.4%	+32	Timeline
VEAVANGUARD TAX-MANAGED FDS	25,238	$1.21M	0.39%	+568	Timeline
VMBSVANGUARD SCOTTSDALE FDS	24,914	$1.13M	0.36%	+12	Timeline
OREALTY INCOME CORP	20,266	$1.08M	0.35%	0	Timeline
VTIVANGUARD INDEX FDS	3,681	$1.07M	0.34%	-111	Timeline
SPYGSPDR SERIES TRUST	10,878	$956K	0.31%	-1,230	Timeline
IWOISHARES TR	3,291	$947K	0.3%	-206	Timeline
IVVISHARES TR	1,608	$947K	0.3%	-43	Timeline
IWVISHARES TR	2,823	$944K	0.3%	0	Timeline
MDYSTATE STR SPDR S&P MIDCAP 40	1,643	$936K	0.3%	-164	Timeline
IWFISHARES TR	2,301	$924K	0.3%	0	Timeline
DFIVDIMENSIONAL ETF TRUST	23,172	$822K	0.26%	-181	Timeline
IWSISHARES TR	6,225	$805K	0.26%	-75	Timeline
NWLNEWELL BRANDS INC	79,911	$796K	0.26%	0	Timeline
TYLTYLER TECHNOLOGIES INC	1,334	$769K	0.25%	0	Timeline
VWOVANGUARD INTL EQUITY INDEX F	16,616	$732K	0.23%	+177	Timeline
IJKISHARES TR	7,029	$639K	0.2%	-51	Timeline
IJHISHARES TR	8,908	$555K	0.18%	-134	Timeline
COMTISHARES U S ETF TR	21,885	$554K	0.18%	+2,035	Timeline
VXUSVANGUARD STAR FDS	9,047	$533K	0.17%	-1,654	Timeline
EFVISHARES TR	8,315	$436K	0.14%	+229	Timeline
VSSVANGUARD INTL EQUITY INDEX F	3,643	$417K	0.13%	+28	Timeline
VVVANGUARD INDEX FDS	1,497	$404K	0.13%	-59	Timeline
DFAEDIMENSIONAL ETF TRUST	14,924	$379K	0.12%	-809	Timeline
IWMISHARES TR	1,598	$353K	0.11%	-46	Timeline
DIASTATE STR SPDR DOW JONES IND	812	$346K	0.11%	+2	Timeline
IWPISHARES TR	2,677	$339K	0.11%	-155	Timeline
VNQVANGUARD INDEX FDS	3,608	$321K	0.1%	0	Timeline
IJTISHARES TR	2,330	$315K	0.1%	+7	Timeline
VOVANGUARD INDEX FDS	1,181	$312K	0.1%	-19	Timeline
INDAISHARES TR	5,858	$308K	0.1%	0	Timeline
VTVANGUARD INTL EQUITY INDEX F	2,570	$302K	0.1%	+27	Timeline
IDXXIDEXX LABS INC	700	$289K	0.09%	0	Timeline
IFGLISHARES TR	14,641	$283K	0.09%	+983	Timeline
QUALISHARES TR	1,506	$268K	0.09%	-32	Timeline
VYMVANGUARD WHITEHALL FDS	1,960	$250K	0.08%	-271	Timeline
LOWLOWES COS INC	986	$243K	0.08%	0	Timeline
FBTCFIDELITY WISE ORIGIN BITCOIN	2,900	$237K	0.08%	new	Timeline
DYNFBLACKROCK ETF TRUST	4,451	$228K	0.07%	-278	Timeline
IEFAISHARES TR	3,016	$212K	0.07%	0	Timeline
AMCAMC ENTMT HLDGS INC	42,933	$171K	0.05%	0	Timeline
ICCCIMMUCELL CORP	16,000	$82.4K	0.03%	0	Timeline

Principal amounts

Notes and convertibles filed as a face amount (PRN). A face amount is never added to a share count (H6).

Security	Type	Amount	Value	Change
ISTBISHARES TR CORE 1 5 YR USD	principal	792,445	$37.9M	+47,752
VTIPVANGUARD MALVERN FDS SHS	principal	280,736	$13.6M	+12,460
GNMAISHARES TR GNMA BOND ETF	principal	240,650	$10.3M	+15,002
BSVVANGUARD BD INDEX FDS SHS	principal	71,045	$5.49M	-975
SUBISHARES TR ETF	principal	29,698	$3.13M	+2,466
MUBISHARES TR NATIONAL MUN ETF	principal	27,853	$2.97M	+353
AGGISHARES TR SHS	principal	27,857	$2.7M	+257
BNDVANGUARD BD INDEX FDS SHS	principal	34,065	$2.45M	+193
IAGGISHARES TR CORE INTL AGGR	principal	37,197	$1.86M	+209
STIPISHARES TR SHS	principal	16,413	$1.65M	-362
SGOVISHARES TR SHS	principal	14,878	$1.49M	+1,805
TIPISHARES TR SHS	principal	11,892	$1.27M	-1,610
SHMSPDR SERIES TRUST ST NUVE TERM ETF	principal	22,284	$1.06M	0
VTEBVANGUARD MUN BD FDS ETF	principal	17,337	$869K	0
VCSHVANGUARD SCOTTSDALE FDS COM	principal	11,070	$864K	0
LQDISHARES TR SHS	principal	6,177	$660K	0
IBDTISHARES TR ETF	principal	26,317	$655K	0
IUSBISHARES TR SHS	principal	13,094	$592K	-2,034
ISHARES TRISHARES TR IBONDS DEC25 ETF	principal	15,867	$397K	0
IBDRISHARES TR SHS	principal	16,452	$396K	0
IBDSISHARES TR ETF	principal	16,452	$394K	0
IBDUISHARES TR ETF	principal	14,243	$325K	0
IBDVISHARES TR IBONDS DEC 2030	principal	15,174	$324K	0
IBTIISHARES TR IBONDS 28 TRM TS	principal	13,392	$293K	0
IBTJISHARES TR IBONDS 29 TRM TS	principal	12,005	$256K	0
IBTKISHARES TR IBOND DEC 2030	principal	13,320	$256K	0
ISHARES TRISHARES TR IBONDS 25 TRM TS	principal	9,704	$226K	new

Sold out in Q4 2024

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

Security	Shares before	Value before	Type
ISHARES TRISHARES TR	10,252	$246K	principal
SPIPSPDR SERIES TRUST	7,826	$206K	shares
FIVAFIDELITY COVINGTON TRUST	7,744	$206K	shares

How Q4 2024 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).

Filing	Role	Amendment	Filed	Accepted	Ingested
13F-HR 0001085146-25-000300	base		2025-01-17	acceptance time not in the bulk data set	2026-10-07 18:25:55 UTC