Sterling Financial Planning, Inc.

CIK

1844278

Location

SPARTA, NJ

Portfolio Value

Micro $77,924,405

Diversification

Diversified

Filing Date

Global Rank

#6,349 / 8,517 ▲ 245

Top Industry

Consumer Electronics 15.9%

3Y Alpha vs SPY

-0.3%

Period ended 46 days ago

Filed Aug 11, 2026 · 4d

23 quarters · since Dec 2020

Clone Performance

Aug 2023–Aug 2026 · vs SPY

Hypothetical growth of buying every stock this filer reported holding, rebalancing on each filing and indexed to the same start. Option positions cannot be bought this way and are left out.

Cloned portfolio

+73.3%

SPY

+75.3%

Annualised alpha

-0.5%

Max drawdown

−9.7%

Estimate. 13F holdings are quarter-lagged, so the clone rebalances about 45 days after each period end — when the filing becomes public — and it excludes option and short positions. Returns use comparable raw closes and exclude dividends; a captured split can shorten the simulated window. It tracks 100% of reported value on average across 13 quarters. Past performance does not predict future results.

Portfolio Concentration

54 tracked positions · as of Jun 30, 2026 · Δ vs Mar 31, 2026

Top Position

22.6%

−4.5 pts

Top 5

55.0%

−3.1 pts

Top 10

70.4%

−3.0 pts

HHI

919

Diversified−192

Portfolio Trend

23 quarters · across all stocks

Sector Breakdown

As of Jun 30, 2026

Sector	% Portfolio	Value	Positions
Unclassified	62.3%	$48,559,757	10
Technology	10.5%	$8,168,328	8
Healthcare	5.8%	$4,505,958	5
Industrials	5.2%	$4,051,714	8
Financial Services	4.5%	$3,505,749	5
Communication Services	3.0%	$2,366,240	3
Energy	2.8%	$2,165,792	3
Consumer Cyclical	2.5%	$1,914,307	6
Consumer Defensive	1.8%	$1,372,492	3
Real Estate	1.0%	$795,628	1
Utilities	0.7%	$518,440	2

Last Quarter's Activity

Export CSV

Jun 30, 2026 vs Mar 31, 2026

Added To

Positions the filer increased

16 positions

Ticker	Company	Δ Shares	Shares	Value
BIV	Vanguard Intermediate-Term Bond ETF	+10,536	153,913	$11,805,127
BNDX	Vanguard Total International Bond ETF	+2,477	61,896	$2,997,623
AAPL	Apple Inc.	+449	16,124	$4,665,640
JPM	Jpmorgan Chase & Co	+357	2,343	$766,934
NVDA	Nvidia Corp	+254	2,157	$431,594
MRK	Merck & Co., Inc.	+232	3,246	$417,111
GE	General Electric Co	+147	1,072	$400,638
ABBV	AbbVie Inc.	+100	1,389	$349,527
EPD	Enterprise Products Partners L.P.	+23	7,615	$279,927
O	Realty Income Corp	+17	12,841	$795,628
GD	General Dynamics Corp	+4	1,128	$399,582
HD	Home Depot, Inc.	+2	862	$304,010
SPY	Spdr S&P 500 ETF Trust	+2	2,598	$1,940,108
PEP	Pepsico Inc	+2	3,178	$430,301
MSFT	Microsoft Corp	+1	3,276	$1,222,013
MCD	Mcdonalds Corp	+1	896	$242,197
No positions match the current search.

Trimmed

Positions the filer reduced

22 positions

Ticker	Company	Δ Shares	Shares	Value
IAU	Ishares Gold Trust	−1,611	233,678	$17,645,025
PFS	Provident Financial Services Inc	−1,537	20,152	$476,393
XOM	ExxonMobil Holdings Corp	−1,526	11,444	$1,564,623
ABT	Abbott Laboratories	−453	3,921	$355,791
VIG	Vanguard Dividend Appreciation ETF	−381	2,505	$592,733
GLD	Spdr Gold Trust	−373	10,288	$3,789,893
PG	PROCTER & GAMBLE Co	−340	2,470	$362,200
DGS	WisdomTree Emerging Markets SmallCap Dividend Fund	−322	39,294	$2,542,714
VEA	Vanguard FTSE Developed Markets ETF	−309	28,535	$2,033,118
QQQ	Invesco Qqq Trust, Series 1	−201	6,768	$4,983,955
BRK-B	Berkshire Hathaway Inc	−131	2,151	$1,076,338
AMZN	Amazon Com Inc	−122	2,561	$610,388
GOOGL	Alphabet Inc.	−119	4,264	$1,517,054
CSCO	Cisco Systems, Inc.	−80	2,625	$308,332
JNJ	Johnson & Johnson	−71	9,653	$2,451,572
CVX	Chevron Corp	−53	1,938	$321,242
DE	Deere & Co	−40	822	$521,419
CAT	Caterpillar Inc	−24	327	$348,222
COST	Costco Wholesale Corp /New	−21	620	$579,991
PEG	Public Service Enterprise Group Inc	−17	3,314	$268,964
META	Meta Platforms, Inc.	−15	1,031	$580,751
TSLA	Tesla, Inc.	−8	687	$288,952
No positions match the current search.

New Positions

Positions the filer opened this quarter

5 positions

Ticker	Company	Shares	Value
GEV	GE Vernova Inc.	265	$311,337
INTC	Intel Corp	1,700	$237,371
VB	Vanguard Morningstar Small-Cap ETF	757	$229,461
GLW	Corning Inc /Ny	833	$212,773
RCL	Royal Caribbean Cruises Ltd	668	$212,110
No positions match the current search.

Sold Out

Positions the filer fully exited

No qualifying positions this quarter.

Portfolio Positions

Compact Export CSV View 13F filing

54 tracked positions · $77,924,405 total · filing declares 123 positions · $367,666,179 · as of Jun 30, 2026

All sectors Communication Services Consumer Cyclical Consumer Defensive Energy Financial Services Healthcare Industrials Real Estate Technology Utilities

Showing 1–50 of 54 positions by value · page 1 of 2

Ticker	Company	Type	Shares	Δ Shares	Value (USD)	% Δ Value	% of Portfolio
IAU	Ishares Gold Trust	Reduced	233,678	-1,611	$17,645,025	−14.9%	22.64%
BIV	Vanguard Intermediate-Term Bond ETF	Added	153,913	+10,536	$11,805,127	+6.7%	15.15%
QQQ	Invesco Qqq Trust, Series 1	Reduced	6,768	-201	$4,983,955	+23.9%	6.40%
AAPL	Apple Inc. Technology	Added	16,124	+449	$4,665,640	+17.3%	5.99%
GLD	Spdr Gold Trust	Reduced	10,288	-373	$3,789,893	−17.4%	4.86%
BNDX	Vanguard Total International Bond ETF	Added	61,896	+2,477	$2,997,623	+5.0%	3.85%
DGS	WisdomTree Emerging Markets SmallCap Dividend Fund	Reduced	39,294	-322	$2,542,714	+6.8%	3.26%
JNJ	Johnson & Johnson Healthcare	Reduced	9,653	-71	$2,451,572	+3.1%	3.15%
VEA	Vanguard FTSE Developed Markets ETF	Reduced	28,535	-309	$2,033,118	+10.0%	2.61%
SPY	Spdr S&P 500 ETF Trust	Added	2,598	+2	$1,940,108	+14.9%	2.49%
XOM	ExxonMobil Holdings Corp Energy	Reduced	11,444	-1,526	$1,564,623	−28.9%	2.01%
GOOGL	Alphabet Inc. Communication Services	Reduced	4,264	-119	$1,517,054	+20.5%	1.95%
MSFT	Microsoft Corp Technology	Added	3,276	+1	$1,222,013	+0.8%	1.57%
BRK-B	Berkshire Hathaway Inc Financial Services	Reduced	2,151	-131	$1,076,338	−1.6%	1.38%
SIGI	Selective Insurance Group Inc Financial Services	Held	10,862	0	$1,053,722	+28.7%	1.35%
RTX	RTX Corp Industrials	Held	5,242	0	$994,564	−1.6%	1.28%
LLY	ELI LILLY & Co Healthcare	Held	777	0	$931,957	+30.4%	1.20%
O	Realty Income Corp Real Estate	Added	12,841	+17	$795,628	+1.4%	1.02%
JPM	Jpmorgan Chase & Co Financial Services	Added	2,343	+357	$766,934	+31.3%	0.98%
MMM	3M Co Industrials	Held	4,368	0	$707,222	+11.5%	0.91%
LRCX	Lam Research Corp Technology	Held	1,435	0	$621,828	+102.8%	0.80%
AMZN	Amazon Com Inc Consumer Cyclical	Reduced	2,561	-122	$610,388	+9.2%	0.78%
VIG	Vanguard Dividend Appreciation ETF	Reduced	2,505	-381	$592,733	−4.5%	0.76%
META	Meta Platforms, Inc. Communication Services	Reduced	1,031	-15	$580,751	−3.0%	0.75%
COST	Costco Wholesale Corp /New Consumer Defensive	Reduced	620	-21	$579,991	−9.2%	0.74%
DE	Deere & Co Industrials	Reduced	822	-40	$521,419	+7.4%	0.67%
PFS	Provident Financial Services Inc Financial Services	Reduced	20,152	-1,537	$476,393	+3.8%	0.61%
IBM	International Business Machines Corp Technology	Held	1,667	0	$468,777	+16.0%	0.60%
NVDA	Nvidia Corp Technology	Added	2,157	+254	$431,594	+30.0%	0.55%
PEP	Pepsico Inc Consumer Defensive	Added	3,178	+2	$430,301	−12.8%	0.55%
MRK	Merck & Co., Inc. Healthcare	Added	3,246	+232	$417,111	+15.0%	0.54%
GE	General Electric Co Industrials	Added	1,072	+147	$400,638	+52.6%	0.51%
GD	General Dynamics Corp Industrials	Added	1,128	+4	$399,582	+3.6%	0.51%
CARR	CARRIER GLOBAL Corp Industrials	Held	5,027	0	$368,730	+30.3%	0.47%
PG	PROCTER & GAMBLE Co Consumer Defensive	Reduced	2,470	-340	$362,200	−10.8%	0.46%
ABT	Abbott Laboratories Healthcare	Reduced	3,921	-453	$355,791	−20.8%	0.46%
ABBV	AbbVie Inc. Healthcare	Added	1,389	+100	$349,527	+24.7%	0.45%
CAT	Caterpillar Inc Industrials	Reduced	327	-24	$348,222	+40.0%	0.45%
CVX	Chevron Corp Energy	Reduced	1,938	-53	$321,242	−22.0%	0.41%
GEV	GE Vernova Inc. Industrials	NEW	265	NEW	$311,337	NEW	0.40%
CSCO	Cisco Systems, Inc. Technology	Reduced	2,625	-80	$308,332	+46.9%	0.40%
HD	Home Depot, Inc. Consumer Cyclical	Added	862	+2	$304,010	+7.5%	0.39%
TSLA	Tesla, Inc. Consumer Cyclical	Reduced	687	-8	$288,952	+11.8%	0.37%
EPD	Enterprise Products Partners L.P. Energy	Added	7,615	+23	$279,927	−2.6%	0.36%
PEG	Public Service Enterprise Group Inc Utilities	Reduced	3,314	-17	$268,964	−0.3%	0.35%
VZ	Verizon Communications Inc Communication Services	Held	6,340	0	$268,435	−15.7%	0.34%
LOW	Lowes Companies Inc Consumer Cyclical	Held	1,164	0	$256,650	−6.7%	0.33%
ES	Eversource Energy Utilities	Held	3,452	0	$249,476	+4.3%	0.32%
MCD	Mcdonalds Corp Consumer Cyclical	Added	896	+1	$242,197	−12.9%	0.31%
INTC	Intel Corp Technology	NEW	1,700	NEW	$237,371	NEW	0.30%

Covers the securities this platform tracks: U.S.-listed common stock and the put/call positions reported on it. A 13F can also report security types outside that coverage — preferred shares, bonds, warrants, untracked share classes — so the filing's own declared total can exceed the figures above. The source filing is linked at the top of this table.