Sterling Financial Planning, Inc.

Registered adviser

CIK

1844278

Location

SPARTA, NJ

Portfolio Value

Small $359,811,138

Diversification

Moderately concentrated

Filing Date

Global Rank

#4,651 / 8,827 ▼ 132 · as of Jun 2026

Top Industry

Consumer Electronics 19.6%

Period ended 38 days ago

Filed Oct 28, 2026 · 10d

24 quarters · since Dec 2020

Regulatory profile

From Form ADV, the SEC filer profile, 13D/13G type codes and N-CEN, never from the name.

Holder type

Registered adviser

Form ADV roster, Nov 1, 2026

Form ADV adviser

CRD 108664

Roster of Nov 1, 2026

Regulatory AUM

$760,762,843

Main clients

Individuals and high net worth (98% of AUM)

Form ADV history

Monthly rosters from Dec 2019; each row is a run with the same figures, newest first.

Rosters	Regulatory AUM	Main clients
Apr 2026 to Nov 2026	$760,762,843	Individuals and high net worth (98%)
Apr 2025 to Mar 2026	$671,921,507	Individuals and high net worth (98%)
Apr 2024 to Mar 2025	$623,209,769	Individuals and high net worth (98%)
May 2023 to Mar 2024	$549,105,901	Individuals and high net worth (98%)
Apr 2023	$549,105,901	Individuals and high net worth (98%)
Apr 2022 to Mar 2023	$621,696,758	Individuals and high net worth (97%)

3 earlier changes not shown.

Portfolio style

Measured from the filed 13F common-share book for Jun 30, 2026, the newest measured quarter, never from the firm's own description.

Style

Concentrated

The top 10 positions are 82.5% of the book (60%+)

Turnover

Low turnover

5.6% over the last four quarters (under 30%)

Horizon

Long horizon

Value-weighted holding period 20.7 quarters (12+)

Closest benchmark: every 13F filer's combined book, active share 83.8%; sector active share 79.0% against the combined 13F book's sector weights.

Over time 23 measured quarters

How the bands are measured

Style bands measure the filed 13F common-share book each closed quarter, tested in this order. Unknown: under $10,000,000 of valued equity or 5 stocks. Index-like (100+ stocks): active share of 20% or less against the closest benchmark, which is the S&P 500, S&P MidCap 400, S&P SmallCap 600, Russell 1000, Russell 2000, Nasdaq-100 or Dow Jones Industrial Average (weighted by an index-tracking fund's reported holdings or the index's constituents nearest the quarter end, over the names resolved to companies, and only when those are 90%+ of its weight) or every 13F filer's combined book, or index series holding 80%+ of the registered fund assets it advises (N-CEN) and equal to 50%+ of its book. Systematic-like: 500+ stocks, 100%+ annual turnover and a top 10 weight of 25% or less. Concentrated: a top 10 weight of 60%+ or 12 or fewer effective positions. Diversified active: none of these. Turnover is the smaller of buys and sells over average equity value, summed over four quarters: low under 30%, high 100%+. Horizon is the value-weighted number of quarters each position has been held: short under 4, long 12+.

Clone Performance

Build a hypothetical price-return history from this filer's public 13F holdings.

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Portfolio Concentration

124 tracked positions · as of Sep 30, 2026 · Δ vs Jun 30, 2026

Top Position

36.5%

−0.8 pts

Top 5

69.8%

+0.7 pts

Top 10

83.6%

+1.1 pts

HHI

1,812

Moderately concentrated−22

Portfolio Trend

24 quarters · across all stocks

Sector Breakdown

As of Sep 30, 2026

Sector	% Portfolio	Value	Positions
Unclassified	91.6%	$329,558,891	78
Technology	2.7%	$9,582,269	8
Healthcare	1.3%	$4,533,716	5
Industrials	1.0%	$3,644,420	8
Financial Services	1.0%	$3,530,515	7
Energy	0.7%	$2,497,663	3
Communication Services	0.7%	$2,478,677	4
Consumer Cyclical	0.4%	$1,526,481	5
Consumer Defensive	0.4%	$1,314,044	3
Real Estate	0.2%	$699,818	1
Utilities	0.1%	$444,644	2

Last Quarter's Activity

Export CSV

Sep 30, 2026 vs Jun 30, 2026

Added To

Positions the filer increased

25 positions

Ticker	Company	Δ Shares	Shares	Value
DFIP	Dimensional Inflation-Protected Securities Portfolio ETF	+18,542	198,252	$7,743,723
IJJ	iShares S&P Mid-Cap 400 Value ETF	+10,670	167,200	$23,025,112
DFGR	Dimensional Global Real Estate ETF	+8,471	255,734	$6,917,604
BIV	Vanguard Bond Index Funds	+8,065	161,978	$11,801,717
IAU	Ishares Gold Trust	+5,837	239,515	$18,706,121
VTIP	VANGUARD SHORT-TERM INFLATION-PROTECTED SECURITIES INDEX FUND	+4,970	66,081	$3,252,506
DISV	Dimensional International Small Cap Value ETF	+4,470	307,396	$13,307,172
BSV	VANGUARD SHORT-TERM BOND INDEX FUND	+4,371	66,170	$5,055,388
XBJA		+4,345	292,995	$10,170,618
VTEB	VANGUARD TAX-EXEMPT BOND INDEX FUND	+4,236	83,213	$3,940,967
BNDX	Vanguard Total International Bond ETF	+3,658	65,554	$3,072,515
VCSH	VANGUARD SHORT-TERM CORPORATE BOND INDEX FUND	+2,520	64,504	$4,982,934
AAPL	Apple Inc.	+1,722	17,846	$5,943,074
DFEV	Dimensional Emerging Markets Value ETF	+1,562	174,796	$7,411,350
CSRE	Cohen & Steers Real Estate Active ETF	+1,541	19,634	$524,227
GOVT	iShares U.S. Treasury Bond ETF	+1,262	199,493	$4,362,911
IJK	iShares S&P Mid-Cap 400 Growth ETF	+1,123	183,776	$20,143,687
DFIV	Dimensional International Value ETF	+749	311,045	$17,374,973
VYM	VANGUARD HIGH DIVIDEND YIELD INDEX FUND	+742	83,774	$13,001,724
DFLV	Dimensional US Large Cap Value ETF	+695	29,755	$1,195,258
—		+330	39,624	$0
EFG	iShares MSCI EAFE Growth ETF	+216	40,191	$4,816,087
VNQ	VANGUARD REAL ESTATE INDEX FUND	+156	31,384	$2,812,947
DFUS	Dimensional U.S. Equity Market ETF	+152	10,507	$872,396
GLD	Spdr Gold Trust	+87	10,375	$3,951,215
No positions match the current search.

Trimmed

Positions the filer reduced

25 positions

Ticker	Company	Δ Shares	Shares	Value
FNDX	Schwab Fundamental U.S. Large Company ETF	−2,962	415,377	$13,071,914
IJS	iShares S&P Small-Cap 600 Value ETF	−2,541	70,802	$9,069,736
TIP	iShares TIPS Bond ETF	−2,295	12,210	$1,270,328
FNDC	Schwab Fundamental International Small Equity ETF	−1,781	47,195	$2,351,726
PRF	Victory Portfolios II	−1,714	27,602	$0
VTES	VANGUARD SHORT-TERM TAX-EXEMPT BOND ETF	−1,366	33,282	$3,281,605
DFSV	Dimensional US Small Cap Value ETF	−1,158	290,843	$10,897,887
MUB	iShares National Muni Bond ETF	−1,042	16,052	$1,622,857
IJT	iShares S&P Small-Cap 600 Growth ETF	−899	127,113	$20,380,027
IVW	iShares S&P 500 Growth ETF	−890	147,339	$20,960,446
IDV	iShares International Select Dividend ETF	−883	70,752	$2,985,026
IJH	iShares Core S&P Mid-Cap ETF	−773	65,998	$4,748,556
IVV	iShares Core S&P 500 ETF	−743	11,539	$8,837,143
VO	VANGUARD MID-CAP INDEX FUND	−670	6,820	$534,824
VEA	Vanguard FTSE Developed Markets ETF	−648	27,887	$1,969,101
PRFZ	Invesco RAFI US 1500 Small-Mid ETF	−595	11,458	$599,597
JNJ	Johnson & Johnson	−479	9,174	$2,428,724
VUG	VANGUARD GROWTH INDEX FUND	−439	10,033	$904,073
DFAR	Dimensional US Real Estate ETF	−434	49,443	$1,194,542
VBR	VANGUARD SMALL-CAP VALUE INDEX FUND	−327	10,058	$2,323,699
VBK	VANGUARD SMALL-CAP GROWTH INDEX FUND	−251	8,229	$2,780,003
BND	VANGUARD TOTAL BOND MARKET INDEX FUND	−198	3,009	$211,081
VZ	Verizon Communications Inc	−168	6,172	$283,109
DVY	iShares Select Dividend ETF	−150	2,452	$372,875
GE	General Electric Co	−147	925	$288,868
No positions match the current search.

New Positions

Positions the filer opened this quarter

4 positions

Ticker	Company	Shares	Value
IWF	iShares Russell 1000 Growth ETF	1,934	$242,252
VDE	VANGUARD ENERGY INDEX FUND	1,304	$224,496
PRU	Prudential Financial Inc	1,841	$209,100
AMD	Advanced Micro Devices Inc	338	$206,774
No positions match the current search.

Sold Out

Positions the filer fully exited

3 positions

Ticker	Company	Shares	Value
GLW	Corning Inc	833	$212,773
RCL	Royal Caribbean Cruises Ltd	668	$212,110
SDY	State Street(R) SPDR(R) S&P(R) Dividend ETF	1,323	$201,334
No positions match the current search.

Portfolio Positions

Compact Export CSV View 13F filing

124 tracked positions · $359,811,138 total · filing declares 124 positions · $364,798,931 · as of Sep 30, 2026

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

Showing 1–50 of 124 positions by value · page 1 of 3

Ticker	Company	Type	Shares	Δ Shares	Value (USD)	% Δ Value	% of Portfolio
IJJ	iShares S&P Mid-Cap 400 Value ETF	Added	167,200	+10,670	$23,025,112	−0.4%	6.40%
IVW	iShares S&P 500 Growth ETF	Reduced	147,339	-890	$20,960,446	+2.8%	5.83%
IJT	iShares S&P Small-Cap 600 Growth ETF	Reduced	127,113	-899	$20,380,027	−10.9%	5.66%
IJK	iShares S&P Mid-Cap 400 Growth ETF	Added	183,776	+1,123	$20,143,687	−6.1%	5.60%
IAU	Ishares Gold Trust	Added	239,515	+5,837	$18,706,121	+6.0%	5.20%
DFIV	Dimensional International Value ETF	Added	311,045	+749	$17,374,973	+3.7%	4.83%
DISV	Dimensional International Small Cap Value ETF	Added	307,396	+4,470	$13,307,172	+9.5%	3.70%
FNDX	Schwab Fundamental U.S. Large Company ETF	Reduced	415,377	-2,962	$13,071,914	+0.5%	3.63%
VYM	VANGUARD HIGH DIVIDEND YIELD INDEX FUND	Added	83,774	+742	$13,001,724	−0.9%	3.61%
BIV	Vanguard Bond Index Funds	Added	161,978	+8,065	$11,801,717	−0.0%	3.28%
DFSV	Dimensional US Small Cap Value ETF	Reduced	290,843	-1,158	$10,897,887	−3.8%	3.03%
XBJA		Added	292,995	+4,345	$10,170,618	+4.2%	2.83%
IJS	iShares S&P Small-Cap 600 Value ETF	Reduced	70,802	-2,541	$9,069,736	−9.5%	2.52%
IVV	iShares Core S&P 500 ETF	Reduced	11,539	-743	$8,837,143	−3.9%	2.46%
DFIP	Dimensional Inflation-Protected Securities Portfolio ETF	Added	198,252	+18,542	$7,743,723	+4.4%	2.15%
DFEV	Dimensional Emerging Markets Value ETF	Added	174,796	+1,562	$7,411,350	+0.3%	2.06%
DFGR	Dimensional Global Real Estate ETF	Added	255,734	+8,471	$6,917,604	−3.4%	1.92%
AAPL	Apple Inc. Technology	Added	17,846	+1,722	$5,943,074	+27.4%	1.65%
BSV	VANGUARD SHORT-TERM BOND INDEX FUND	Added	66,170	+4,371	$5,055,388	+5.0%	1.41%
QQQ	Invesco Qqq Trust, Series 1	Added	6,805	+37	$5,034,134	+1.0%	1.40%
VCSH	VANGUARD SHORT-TERM CORPORATE BOND INDEX FUND	Added	64,504	+2,520	$4,982,934	+1.7%	1.38%
IVE	iShares S&P 500 Value ETF	Reduced	21,534	-145	$4,915,781	−0.1%	1.37%
EFG	iShares MSCI EAFE Growth ETF	Added	40,191	+216	$4,816,087	−3.2%	1.34%
IJH	iShares Core S&P Mid-Cap ETF	Reduced	65,998	-773	$4,748,556	−7.8%	1.32%
GOVT	iShares U.S. Treasury Bond ETF	Added	199,493	+1,262	$4,362,911	−3.4%	1.21%
VOE	VANGUARD MID-CAP VALUE INDEX FUND	Reduced	21,533	-53	$4,210,347	−1.3%	1.17%
GLD	Spdr Gold Trust	Added	10,375	+87	$3,951,215	+4.3%	1.10%
VTEB	VANGUARD TAX-EXEMPT BOND INDEX FUND	Added	83,213	+4,236	$3,940,967	−1.3%	1.10%
VOT	VANGUARD MID-CAP GROWTH INDEX FUND	Added	11,551	+37	$3,374,047	−4.3%	0.94%
VTES	VANGUARD SHORT-TERM TAX-EXEMPT BOND ETF	Reduced	33,282	-1,366	$3,281,605	−6.5%	0.91%
VTIP	VANGUARD SHORT-TERM INFLATION-PROTECTED SECURITIES INDEX FUND	Added	66,081	+4,970	$3,252,506	+6.0%	0.90%
BNDX	Vanguard Total International Bond ETF	Added	65,554	+3,658	$3,072,515	+2.5%	0.85%
IDV	iShares International Select Dividend ETF	Reduced	70,752	-883	$2,985,026	+0.6%	0.83%
VNQ	VANGUARD REAL ESTATE INDEX FUND	Added	31,384	+156	$2,812,947	−6.6%	0.78%
VBK	VANGUARD SMALL-CAP GROWTH INDEX FUND	Reduced	8,229	-251	$2,780,003	−10.4%	0.77%
JNJ	Johnson & Johnson Healthcare	Reduced	9,174	-479	$2,428,724	−0.9%	0.67%
FNDC	Schwab Fundamental International Small Equity ETF	Reduced	47,195	-1,781	$2,351,726	−1.1%	0.65%
VBR	VANGUARD SMALL-CAP VALUE INDEX FUND	Reduced	10,058	-327	$2,323,699	−7.9%	0.65%
SPY	Spdr S&P 500 ETF Trust	Reduced	2,586	-12	$1,972,161	+1.7%	0.55%
VEA	Vanguard FTSE Developed Markets ETF	Reduced	27,887	-648	$1,969,101	−3.1%	0.55%
XOM	ExxonMobil Holdings Corp Energy	Reduced	11,383	-61	$1,852,583	+18.4%	0.51%
MSFT	Microsoft Corp Technology	Reduced	3,195	-81	$1,638,715	+34.1%	0.46%
MUB	iShares National Muni Bond ETF	Reduced	16,052	-1,042	$1,622,857	−11.8%	0.45%
IJR	iShares Core S&P Small-Cap ETF	Reduced	10,652	-54	$1,449,098	−8.7%	0.40%
SCZ	iShares MSCI EAFE Small-Cap ETF	Added	16,070	+73	$1,356,629	+3.1%	0.38%
TIP	iShares TIPS Bond ETF	Reduced	12,210	-2,295	$1,270,328	−20.0%	0.35%
DFLV	Dimensional US Large Cap Value ETF	Added	29,755	+695	$1,195,258	+4.0%	0.33%
DFAR	Dimensional US Real Estate ETF	Reduced	49,443	-434	$1,194,542	−8.4%	0.33%
BRK-B	Berkshire Hathaway Inc Financial Services	Added	2,159	+8	$1,075,074	−0.1%	0.30%
RTX	RTX Corp Industrials	Held	5,242	0	$973,177	−2.2%	0.27%

Showing the top 50 of 124 positions. Create a free account to see every position, past quarters, search, filters and CSV export.

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.