Sterling Financial Planning, Inc.

13F filer, CIK 1844278, SPARTA, NJ

Sterling Financial Planning, Inc. reported $271,216,228 across 108 holdings for the quarter ended 2024-09-30, in a 13F-HR filed 2024-10-31. Its ten largest share positions make up 46.1% of the portfolio.

Filed 2024-10-31 (acceptance time not in the bulk data set), ingested 2026-10-07 18:26:56 UTC13F-HR 0001085146-24-005252

Period: 2024-09-30
Reported value: $271M
Holdings: 108
Top 10 weight: 46.1%
New: 3
Sold out: 1

Largest buys vs the previous quarter

Security	Shares change	Approx. value
DFIVadded	+30,760	$1.17M
DISVadded	+27,727	$806K
DFSVadded	+23,359	$719K
DFIPadded	+14,625	$618K
IJJadded	+4,938	$610K

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
IDVreduced	-7,902	-$239K
LAM RESEARCH CORPexited	-222	-$236K
IVWreduced	-1,968	-$188K
BDXreduced	-683	-$165K
IJSreduced	-1,251	-$135K

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 2024

Share positions as resolved from 13F-HR 0001085146-24-005252, largest first. % of portfolio is the value over $271,216,228, the sum of the share positions whose value is usable for ratios (method).

Security	Shares	Value	% of portfolio	Change	Timeline
IJJISHARES TR	136,739	$16.9M	6.23%	+4,938	Timeline
IAUISHARES GOLD TR	329,906	$16.4M	6.05%	+544	Timeline
IJTISHARES TR	113,280	$15.8M	5.83%	+3,365	Timeline
IJKISHARES TR	164,099	$15.1M	5.56%	+4,342	Timeline
IVWISHARES TR	155,573	$14.9M	5.49%	-1,968	Timeline
DFIVDIMENSIONAL ETF TRUST	289,058	$11M	4.06%	+30,760	Timeline
FNDXSCHWAB STRATEGIC TR	135,810	$9.75M	3.59%	-307	Timeline
VYMVANGUARD WHITEHALL FDS	69,394	$8.9M	3.28%	+990	Timeline
IJSISHARES TR	81,962	$8.82M	3.25%	-1,251	Timeline
BIVVANGUARD BD INDEX FDS	95,277	$7.47M	2.75%	+4,684	Timeline
DISVDIMENSIONAL ETF TRUST	248,411	$7.22M	2.66%	+27,727	Timeline
IVVISHARES TR	12,435	$7.17M	2.64%	-72	Timeline
XBJAINNOVATOR ETFS TRUST	222,056	$6.29M	2.32%	+13,059	Timeline
DFSVDIMENSIONAL ETF TRUST	195,126	$6.01M	2.22%	+23,359	Timeline
DFGRDIMENSIONAL ETF TRUST	165,911	$4.79M	1.77%	+14,634	Timeline
IVEISHARES TR	24,012	$4.73M	1.75%	-127	Timeline
EFGISHARES TR	41,751	$4.49M	1.66%	+1,392	Timeline
IJHISHARES TR	72,089	$4.49M	1.66%	-1,186	Timeline
DFEVDIMENSIONAL ETF TRUST	152,253	$4.33M	1.6%	+18,470	Timeline
DFIPDIMENSIONAL ETF TRUST	101,303	$4.28M	1.58%	+14,625	Timeline
GLDSPDR GOLD TR	15,148	$3.68M	1.36%	-272	Timeline
GOVTISHARES TR	156,601	$3.67M	1.35%	+8,055	Timeline
AAPLAPPLE INC	15,067	$3.51M	1.29%	-237	Timeline
BSVVANGUARD BD INDEX FDS	43,911	$3.46M	1.27%	+2,467	Timeline
QQQINVESCO QQQ TR	6,781	$3.31M	1.22%	-62	Timeline
VOEVANGUARD INDEX FDS	19,650	$3.29M	1.21%	+31	Timeline
VNQVANGUARD INDEX FDS	31,671	$3.09M	1.14%	-176	Timeline
IDVISHARES TR	94,282	$2.85M	1.05%	-7,902	Timeline
VTEBVANGUARD MUN BD FDS	50,963	$2.61M	0.96%	+2,892	Timeline
FNDCSCHWAB STRATEGIC TR	67,531	$2.58M	0.95%	-1,788	Timeline
VBRVANGUARD INDEX FDS	12,208	$2.45M	0.9%	-119	Timeline
VOTVANGUARD INDEX FDS	9,225	$2.25M	0.83%	-84	Timeline
VBKVANGUARD INDEX FDS	8,228	$2.2M	0.81%	-75	Timeline
DGSWISDOMTREE TR	39,862	$2.14M	0.79%	+739	Timeline
VCSHVANGUARD SCOTTSDALE FDS	26,905	$2.14M	0.79%	+2,634	Timeline
VTESVANGUARD WELLINGTON FD	20,785	$2.11M	0.78%	+1,715	Timeline
MUBISHARES TR	17,423	$1.89M	0.7%	-195	Timeline
VTIPVANGUARD MALVERN FDS	37,603	$1.85M	0.68%	+2,454	Timeline
BNDXVANGUARD CHARLOTTE FDS	34,573	$1.74M	0.64%	+4,270	Timeline
VEAVANGUARD TAX-MANAGED FDS	32,166	$1.7M	0.63%	-1,794	Timeline
TIPISHARES TR	14,655	$1.62M	0.6%	-33	Timeline
SPYSTATE STR SPDR S&P 500 ETF T	2,712	$1.56M	0.57%	-8	Timeline
PRFINVESCO EXCHANGE TRADED FD T	36,640	$1.49M	0.55%	-3	Timeline
MSFTMICROSOFT CORP	3,418	$1.47M	0.54%	+106	Timeline
JNJJOHNSON & JOHNSON	9,071	$1.47M	0.54%	-152	Timeline
SCZISHARES TR	21,051	$1.43M	0.53%	-226	Timeline
IJRISHARES TR	11,700	$1.37M	0.5%	-372	Timeline
SIGISELECTIVE INS GROUP INC	12,618	$1.18M	0.43%	0	Timeline
COSTCOSTCO WHOLESALE CORPORATION	1,214	$1.08M	0.4%	0	Timeline
DFARDIMENSIONAL ETF TRUST	41,119	$1.05M	0.39%	-913	Timeline
BRK-BBERKSHIRE HATHAWAY INC DEL	2,186	$1.01M	0.37%	-110	Timeline
XOMEXXON MOBIL CORP	8,222	$964K	0.36%	-453	Timeline
METAMETA PLATFORMS INC	1,577	$903K	0.33%	+20	Timeline
BDXBECTON DICKINSON & CO	3,264	$787K	0.29%	-683	Timeline
PFSPROVIDENT FINL SVCS INC	42,034	$780K	0.29%	-2	Timeline
VUGVANGUARD INDEX FDS	2,007	$771K	0.28%	+20	Timeline
LLYELI LILLY & CO	805	$713K	0.26%	-39	Timeline
PJANINNOVATOR ETFS TRUST	16,661	$688K	0.25%	0	Timeline
DFLVDIMENSIONAL ETF TRUST	20,672	$637K	0.23%	+10,552	Timeline
MMM3M CO	4,612	$631K	0.23%	-37	Timeline
RTXRTX CORPORATION	5,157	$625K	0.23%	0	Timeline
VIGVANGUARD SPECIALIZED FUNDS	3,127	$619K	0.23%	-118	Timeline
OREALTY INCOME CORP	9,480	$601K	0.22%	0	Timeline
PRFZINVESCO EXCHANGE TRADED FD T	14,371	$597K	0.22%	-288	Timeline
MCDMCDONALDS CORP	1,951	$594K	0.22%	0	Timeline
PGPROCTER & GAMBLE CO	3,376	$585K	0.22%	-146	Timeline
AMZNAMAZON COM INC	3,091	$576K	0.21%	+63	Timeline
DFUSDIMENSIONAL ETF TRUST	9,173	$571K	0.21%	+753	Timeline
RSPINVESCO EXCHANGE TRADED FD T	3,165	$567K	0.21%	-51	Timeline
BNDVANGUARD BD INDEX FDS	7,084	$532K	0.2%	0	Timeline
SCHESCHWAB STRATEGIC TR	18,041	$526K	0.19%	-1,118	Timeline
HDHOME DEPOT INC	1,290	$523K	0.19%	-82	Timeline
MDYVSPDR SERIES TRUST	6,534	$519K	0.19%	+10	Timeline
VOVANGUARD INDEX FDS	1,874	$494K	0.18%	-30	Timeline
IBMINTERNATIONAL BUSINESS MACHS	2,166	$479K	0.18%	-34	Timeline
PEPPEPSICO INC	2,685	$457K	0.17%	-141	Timeline
GOOGLALPHABET INC	2,719	$451K	0.17%	0	Timeline
DEDEERE & CO	1,055	$440K	0.16%	0	Timeline
ABBVABBVIE INC	2,102	$415K	0.15%	0	Timeline
JPMJPMORGAN CHASE & CO	1,956	$412K	0.15%	0	Timeline
EMBISHARES TR	4,357	$408K	0.15%	+10	Timeline
CARRCARRIER GLOBAL CORPORATION	5,000	$402K	0.15%	0	Timeline
DFISDIMENSIONAL ETF TRUST	13,080	$351K	0.13%	-36	Timeline
GDGENERAL DYNAMICS CORP	1,097	$332K	0.12%	+4	Timeline
CATCATERPILLAR INC	841	$329K	0.12%	0	Timeline
LOWLOWES COS INC	1,174	$318K	0.12%	0	Timeline
GOOGALPHABET INC	1,891	$316K	0.12%	0	Timeline
UPSUNITED PARCEL SVCS INC	2,203	$300K	0.11%	-396	Timeline
VWOVANGUARD INTL EQUITY INDEX F	6,159	$295K	0.11%	+11	Timeline
IHIISHARES TR	4,948	$293K	0.11%	+3	Timeline
UAUGINNOVATOR ETFS TRUST	8,357	$293K	0.11%	-89	Timeline
DIVSGUINNESS ATKINSON FDS	9,376	$283K	0.1%	0	Timeline
QUALISHARES TR	1,532	$275K	0.1%	-13	Timeline
DVYISHARES TR	2,017	$272K	0.1%	-148	Timeline
VVISA INC	968	$266K	0.1%	-59	Timeline
OTISOTIS WORLDWIDE CORP	2,500	$260K	0.1%	0	Timeline
XBAPINNOVATOR ETFS TRUST	7,745	$258K	0.1%	-263	Timeline
IDHQINVESCO EXCH TRADED FD TR II	7,727	$245K	0.09%	0	Timeline
BILSPDR SERIES TRUST	2,666	$245K	0.09%	-66	Timeline
MRKMERCK & CO INC	2,104	$239K	0.09%	0	Timeline
CVXCHEVRON CORPORATION	1,604	$236K	0.09%	0	Timeline
ESEVERSOURCE ENERGY	3,452	$235K	0.09%	new	Timeline
CPSJCALAMOS ETF TR	9,447	$233K	0.09%	new	Timeline
MDYGSPDR SERIES TRUST	2,626	$230K	0.08%	-189	Timeline
VONVVANGUARD SCOTTSDALE FDS	2,710	$226K	0.08%	+28	Timeline
VZVERIZON COMMUNICATIONS INC	4,964	$223K	0.08%	0	Timeline
SCHBSCHWAB STRATEGIC TR	3,183	$212K	0.08%	new	Timeline
BDJBLACKROCK ENHANCED EQUITY DI	13,831	$120K	0.04%	0	Timeline

Sold out in Q3 2024

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

Security	Shares before	Value before	Type
LAM RESEARCH CORPLAM RESEARCH CORP	222	$236K	shares

How Q3 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 0001085146-24-005252	base		2024-10-31	acceptance time not in the bulk data set	2026-10-07 18:26:56 UTC