Fee-Only Financial Planning, L.C.

Registered adviser

CIK

1954044

Location

OKATIE, SC

Portfolio Value

Small $180,002,813

Diversification

Highly concentrated

Filing Date

Global Rank

#6,724 / 8,827 ▼ 18 · as of Jun 2026

Top Industry

Tobacco 19.1%

Period ended 38 days ago

Filed Oct 23, 2026 · 15d

16 quarters · since Dec 2022

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 108365

Roster of Nov 1, 2026

Regulatory AUM

$404,368,224

Main clients

Individuals and high net worth (100% 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
Mar 2026 to Nov 2026	$404,368,224	Individuals and high net worth (100%)
Mar 2025 to Feb 2026	$370,158,732	Individuals and high net worth (100%)
Apr 2024 to Feb 2025	$347,703,986	Individuals and high net worth (100%)
May 2023 to Mar 2024	$307,748,548	Individuals and high net worth (100%)
Apr 2023	$307,748,548	Individuals and high net worth (100%)
Feb 2022 to Mar 2023	$364,429,769	Individuals and high net worth (100%)

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 95.9% of the book (60%+)

Turnover

Low turnover

1.5% over the last four quarters (under 30%)

Horizon

Long horizon

Value-weighted holding period 14.8 quarters (12+)

Closest benchmark: every 13F filer's combined book, active share 93.5%; sector active share 81.0% against the combined 13F book's sector weights.

Over time 15 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.

View clone backtest

Portfolio Concentration

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

Top Position

85.5%

+1.2 pts

Top 5

93.7%

+0.8 pts

Top 10

96.4%

+0.5 pts

HHI

7,345

Highly concentrated+201

Portfolio Trend

16 quarters · across all stocks

Sector Breakdown

As of Sep 30, 2026

Sector	% Portfolio	Value	Positions
Unclassified	93.7%	$168,727,651	25
Financial Services	1.4%	$2,513,805	2
Consumer Defensive	1.4%	$2,500,138	3
Technology	1.0%	$1,866,107	3
Utilities	0.7%	$1,250,976	3
Communication Services	0.5%	$924,555	2
Industrials	0.5%	$865,684	2
Energy	0.4%	$792,918	1
Consumer Cyclical	0.2%	$283,002	1
Healthcare	0.2%	$277,977	1

Last Quarter's Activity

Export CSV

Sep 30, 2026 vs Jun 30, 2026

Added To

Positions the filer increased

1 positions

Ticker	Company	Δ Shares	Shares	Value	Open
VTI	VANGUARD TOTAL STOCK MARKET INDEX FUND	+5	8,925	$3,340,092
No positions match the current search.

Trimmed

Positions the filer reduced

20 positions

Ticker	Company	Δ Shares	Shares	Value
VUG	VANGUARD GROWTH INDEX FUND	−8,289	621,210	$55,977,233
VTV	VANGUARD VALUE INDEX FUND	−5,040	155,669	$33,636,957
VO	VANGUARD MID-CAP INDEX FUND	−3,209	196,983	$15,447,406
VEU	Vanguard International Equity Index Funds	−1,474	97,745	$8,109,902
VBR	VANGUARD SMALL-CAP VALUE INDEX FUND	−1,036	50,822	$11,741,406
VB	Vanguard Index Funds	−857	41,876	$11,913,303
RDVY	First Trust Rising Dividend Achievers ETF	−600	3,535	$276,755
MGK	VANGUARD MEGA CAP GROWTH INDEX FUND	−570	19,930	$1,846,514
VBK	VANGUARD SMALL-CAP GROWTH INDEX FUND	−570	28,953	$9,781,191
—		−454	10,066	$0
FENY	Fidelity MSCI Energy Index ETF	−440	8,500	$288,150
VDE	VANGUARD ENERGY INDEX FUND	−400	6,000	$1,032,960
D	Dominion Energy, Inc	−325	3,960	$239,659
TFC	Truist Financial Corp	−317	13,951	$645,931
XOM	ExxonMobil Holdings Corp	−300	4,872	$792,918
VOE	VANGUARD MID-CAP VALUE INDEX FUND	−200	22,342	$4,368,531
VV	VANGUARD LARGE-CAP INDEX FUND	−145	2,705	$951,754
VOO	VANGUARD 500 INDEX FUND	−138	6,770	$4,744,822
T	At&T Inc.	−100	25,277	$616,758
VOT	VANGUARD MID-CAP GROWTH INDEX FUND	−48	7,045	$2,057,844
No positions match the current search.

New Positions

Positions the filer opened this quarter

No qualifying positions this quarter.

Sold Out

Positions the filer fully exited

2 positions

Ticker	Company	Shares	Value
IJJ	iShares S&P Mid-Cap 400 Value ETF	1,440	$212,731
NSC	Norfolk Southern Corp	645	$202,910
No positions match the current search.

Portfolio Positions

Compact Export CSV View 13F filing

43 tracked positions · $180,002,813 total · filing declares 43 positions · $182,334,401 · as of Sep 30, 2026

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

Ticker	Company	Type	Shares	Δ Shares	Value (USD)	% Δ Value	% of Portfolio
VUG	VANGUARD GROWTH INDEX FUND	Reduced	621,210	-8,289	$55,977,233	+3.2%	31.10%
VTV	VANGUARD VALUE INDEX FUND	Reduced	155,669	-5,040	$33,636,957	−4.0%	18.69%
VO	VANGUARD MID-CAP INDEX FUND	Reduced	196,983	-3,209	$15,447,406	−4.2%	8.58%
VB	Vanguard Index Funds	Reduced	41,876	-857	$11,913,303	−8.0%	6.62%
VBR	VANGUARD SMALL-CAP VALUE INDEX FUND	Reduced	50,822	-1,036	$11,741,406	−6.8%	6.52%
VBK	VANGUARD SMALL-CAP GROWTH INDEX FUND	Reduced	28,953	-570	$9,781,191	−9.4%	5.43%
VEU	Vanguard International Equity Index Funds	Reduced	97,745	-1,474	$8,109,902	−2.4%	4.51%
VOO	VANGUARD 500 INDEX FUND	Reduced	6,770	-138	$4,744,822	+0.0%	2.64%
VOE	VANGUARD MID-CAP VALUE INDEX FUND	Reduced	22,342	-200	$4,368,531	−1.9%	2.43%
VTI	VANGUARD TOTAL STOCK MARKET INDEX FUND	Added	8,925	+5	$3,340,092	+1.2%	1.86%
VOT	VANGUARD MID-CAP GROWTH INDEX FUND	Reduced	7,045	-48	$2,057,844	−5.3%	1.14%
BAC	Bank Of America Corp Financial Services	Held	34,317	0	$1,867,874	−4.5%	1.04%
MGK	VANGUARD MEGA CAP GROWTH INDEX FUND	Reduced	19,930	-570	$1,846,514	+2.5%	1.03%
PM	Philip Morris International Inc. Consumer Defensive	Held	7,666	0	$1,462,826	+5.5%	0.81%
VEA	Vanguard FTSE Developed Markets ETF	Held	18,894	0	$1,334,105	−0.9%	0.74%
VDE	VANGUARD ENERGY INDEX FUND	Reduced	6,000	-400	$1,032,960	+7.5%	0.57%
VV	VANGUARD LARGE-CAP INDEX FUND	Reduced	2,705	-145	$951,754	−2.9%	0.53%
AAPL	Apple Inc. Technology	Held	2,777	0	$924,796	+15.1%	0.51%
XOM	ExxonMobil Holdings Corp Energy	Reduced	4,872	-300	$792,918	+12.1%	0.44%
MO	Altria Group, Inc. Consumer Defensive	Held	10,303	0	$693,804	−6.4%	0.39%
TFC	Truist Financial Corp Financial Services	Reduced	13,951	-317	$645,931	−9.1%	0.36%
T	At&T Inc. Communication Services	Reduced	25,277	-100	$616,758	+17.4%	0.34%
MSFT	Microsoft Corp Technology	Held	1,178	0	$604,196	+37.5%	0.34%
AEP	American Electric Power Co Inc Utilities	Held	4,669	0	$553,930	−13.3%	0.31%
GE	General Electric Co Industrials	Held	1,512	0	$472,182	−16.4%	0.26%
SO	Southern Co Utilities	Held	5,518	0	$457,387	−13.4%	0.25%
VWO	VANGUARD EMERGING MARKETS STOCK INDEX FUND	Held	7,640	0	$453,128	−0.6%	0.25%
GEV	GE Vernova Inc. Industrials	Held	414	0	$393,502	−19.1%	0.22%
MDLZ	Mondelez International, Inc. Consumer Defensive	Held	5,941	0	$343,508	−0.0%	0.19%
ADBE	Adobe Inc. Technology	Held	1,405	0	$337,115	+17.0%	0.19%
		Held	9,945	0	$307,797	+16.1%	0.17%
FENY	Fidelity MSCI Energy Index ETF	Reduced	8,500	-440	$288,150	+9.0%	0.16%
AZO	Autozone Inc Consumer Cyclical	Held	100	0	$283,002	−11.4%	0.16%
SCZ	iShares MSCI EAFE Small-Cap ETF	Held	3,350	0	$282,807	+2.6%	0.16%
JNJ	Johnson & Johnson Healthcare	Held	1,050	0	$277,977	+4.2%	0.15%
RDVY	First Trust Rising Dividend Achievers ETF	Reduced	3,535	-600	$276,755	−17.4%	0.15%
IJK	iShares S&P Mid-Cap 400 Growth ETF	Held	2,460	0	$269,640	−6.7%	0.15%
D	Dominion Energy, Inc Utilities	Reduced	3,960	-325	$239,659	−18.1%	0.13%
QQQ	Invesco Qqq Trust, Series 1	Held	315	0	$233,027	+0.5%	0.13%
VXUS	Vanguard Total International Stock ETF	Held	2,631	0	$223,529	−0.6%	0.12%
IJT	iShares S&P Small-Cap 600 Growth ETF	Held	1,320	0	$211,635	−10.2%	0.12%
IJS	iShares S&P Small-Cap 600 Value ETF	Held	1,600	0	$204,960	−6.3%	0.11%
		Reduced	10,066	-454	$0	−100.0%	0.00%

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.