1y return+20.4%S&P 500 +20.9%
3y return+49.3%S&P 500 +68.5%
5y return+43.7%S&P 500 +74.5%
These returns are for its stock picks as disclosed on Form 13F: last quarter's holdings, valued at this quarter's prices. They miss trades within each quarter, short positions, options, bonds, cash and fees, so they aren't the returns its clients got.
$100 invested in its stock picks
Since December 31, 2020: $164 against $200 in the S&P 500.2
Sterling Financial Planning, Inc.S&P 500 (SPY)
Top holdings
At the end of June 30, 2026. Change is in shares since the quarter before.2
| Stock | Value | Share of portfolio | Change |
|---|---|---|---|
| IJJIshares Tr | $23.1M | 6.3% | +1.7% |
| IJTIshares Tr | $22.9M | 6.2% | −1.4% |
| IJKIshares Tr | $21.5M | 5.8% | −1.5% |
| IVWIshares Tr | $20.4M | 5.5% | |
| IAUIshares Gold Tr | $17.6M | 4.8% | |
| DFIVDimensional Etf Trust | $16.8M | 4.6% | |
| VYMVanguard Whitehall Fds | $13.1M | 3.6% | +2.0% |
| FNDXSchwab Strategic Tr | $13.0M | 3.5% | −1.4% |
| DISVDimensional Etf Trust | $12.2M | 3.3% | +2.2% |
| BIVVanguard Bd Index Fds | $11.8M | 3.2% | +7.3% |
| Dimensional Etf TrustCUSIP 25434V815 | $11.3M | 3.1% | |
| IJSIshares Tr | $10.0M | 2.7% | −4.4% |
| XBJAInnovator Etfs Trust | $9.8M | 2.7% | +1.3% |
| IVVIshares Tr | $9.2M | 2.5% | |
| DFIPDimensional Etf Trust | $7.4M | 2.0% | +5.2% |
| DFEVDimensional Etf Trust | $7.4M | 2.0% | −2.1% |
| DFGRDimensional Etf Trust | $7.2M | 1.9% | +5.1% |
| IJHIshares Tr | $5.1M | 1.4% | −3.2% |
| QQQInvesco Qqq Tr | $5.0M | 1.4% | −2.9% |
| EFGIshares Tr | $5.0M | 1.4% | −1.8% |
| IVEIshares Tr | $4.9M | 1.3% | −5.2% |
| VCSHVanguard Scottsdale Fds | $4.9M | 1.3% | +11.5% |
| BSVVanguard Bd Index Fds | $4.8M | 1.3% | +5.4% |
| AAPLApple Inc | $4.7M | 1.3% | +2.9% |
| GOVTIshares Tr | $4.5M | 1.2% | +3.1% |
Best picks still held
How each current holding has done since the quarter it first appeared in its filings (up to six years back).
| Stock | Held since | Return since | Now worth |
|---|---|---|---|
| QQQInvesco Qqq Tr | December 31, 2020 | +134.7% | $5.0M |
| IAUIshares Gold Tr | June 30, 2021 | +124.0% | $17.6M |
| AAPLApple Inc | December 31, 2020 | +118.1% | $4.7M |
| IVWIshares Tr | December 31, 2020 | +115.5% | $20.4M |
| DFEVDimensional Etf Trust | September 30, 2022 | +107.8% | $7.4M |
| GLDSpdr Gold Tr | December 31, 2020 | +106.5% | $3.8M |
| FNDXSchwab Strategic Tr | December 31, 2020 | +106.0% | $13.0M |
| IVVIshares Tr | December 31, 2020 | +99.5% | $9.2M |
| DISVDimensional Etf Trust | June 30, 2022 | +90.6% | $12.2M |
| DFIVDimensional Etf Trust | June 30, 2022 | +87.0% | $16.8M |
Sold off last quarter
- VDEVanguard World Fd was $226K
- UFEBInnovator Etfs Trust was $205K
Quarter by quarter
| Quarter | Its picks | S&P 500 |
|---|---|---|
| June 30, 2026 | +8.3% | +14.8% |
| March 31, 2026 | +1.5% | −4.6% |
| December 31, 2025 | +2.7% | +2.4% |
| September 30, 2025 | +6.7% | +7.8% |
| June 30, 2025 | +6.1% | +10.5% |
| March 31, 2025 | −0.3% | −4.6% |
| December 31, 2024 | −1.8% | +2.1% |
| September 30, 2024 | +7.1% | +5.4% |
| June 30, 2024 | −0.2% | +4.0% |
| March 31, 2024 | +5.6% | +10.0% |
| December 31, 2023 | +9.9% | +11.2% |
| September 30, 2023 | −3.8% | −3.6% |
| June 30, 2023 | +3.1% | +8.3% |
| March 31, 2023 | +4.2% | +7.0% |
| December 31, 2022 | +8.9% | +7.1% |
| September 30, 2022 | −5.9% | −5.3% |
| June 30, 2022 | −13.8% | −16.5% |
| March 31, 2022 | −3.6% | −4.9% |
| December 31, 2021 | +7.0% | +10.7% |
| September 30, 2021 | −1.6% | +0.3% |
Sources
Every number on this page points here. Each one links to the public record.
- 1SEC EDGAR: Sterling Financial Planning, Inc. Form 13F filingshttps://www.sec.gov/cgi-bin/browse-edgar?action=getcompany&CIK=1844278&type=13F-HR&dateb=&owner=include&count=40CIK 1844278
- 2SEC: 13F for the quarter ended June 30, 2026https://www.sec.gov/Archives/edgar/data/1844278/000184427826000004/Filed August 11, 2026 · accession 0001844278-26-000004