Pearl Planning LLC

CIK

2100519

Location

DEXTER, MI

Portfolio Value

Small $210,407,728

Diversification

Moderately concentrated

Filing Date

Global Rank

#6,106 / 8,807 ▲ 182 · as of Jun 2026

Top Industry

Asset Management 34.9%

Period ended 20 days ago

Filed Oct 13, 2026 · 7d

4 quarters · since Dec 2025

Regulatory profile

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

Holder type

Unknown

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 93.1% of the book (60%+)

Turnover

Turnover unknown

It needs four straight quarters of measured turnover

Horizon

Short horizon

Value-weighted holding period 2.8 quarters (under 4)

Closest benchmark: every 13F filer's combined book, active share 93.7%; sector active share 82.8% against the combined 13F book's sector weights.

Over time 3 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

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

Top Position

29.4%

+0.4 pts

Top 5

73.6%

+4.3 pts

Top 10

93.4%

+0.3 pts

HHI

1,529

Moderately concentrated+113

Portfolio Trend

4 quarters · across all stocks

Sector Breakdown

As of Sep 30, 2026

Sector	% Portfolio	Value	Positions
Unclassified	94.8%	$199,449,238	43
Financial Services	1.9%	$4,093,064	4
Technology	1.8%	$3,688,700	7
Consumer Cyclical	0.7%	$1,428,661	2
Communication Services	0.5%	$1,155,347	3
Industrials	0.2%	$390,987	1
Healthcare	0.1%	$201,731	1

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
AVDE	Avantis International Equity ETF	+73,199	334,972	$30,184,326
FBND	Fidelity Total Bond ETF	+30,794	416,375	$18,029,037
JPIE	JPMorgan Income ETF	+27,136	418,492	$18,786,105
DGRO	iShares Core Dividend Growth ETF	+15,510	129,066	$0
ESGV	VANGUARD ESG U.S. STOCK ETF	+12,497	73,116	$9,909,411
QQMG		+11,134	73,722	$3,821,453
BSV	VANGUARD SHORT-TERM BOND INDEX FUND	+8,464	54,745	$4,182,518
VO	VANGUARD MID-CAP INDEX FUND	+4,943	188,109	$14,751,507
VOO	VANGUARD 500 INDEX FUND	+3,997	49,450	$34,657,527
QQQM	Invesco Ltd.	+3,799	26,391	$0
ESML	iShares ESG Aware MSCI USA Small-Cap ETF	+2,841	49,650	$0
AMZN	Amazon Com Inc	+1,981	3,242	$807,744
NVDA	Nvidia Corp	+1,546	3,430	$783,343
AVUV	Avantis U.S. Small Cap Value ETF	+967	67,672	$7,969,731
TMSL	T. Rowe Price Small-Mid Cap ETF	+764	123,221	$5,015,094
QQQ	Invesco Qqq Trust, Series 1	+655	5,553	$4,107,942
AAPL	Apple Inc.	+518	3,004	$1,000,392
GOOGL	Alphabet Inc.	+364	1,212	$417,024
MSFT	Microsoft Corp	+356	1,501	$769,862
IEFA	iShares Core MSCI EAFE ETF	+200	5,769	$0
VTI	VANGUARD TOTAL STOCK MARKET INDEX FUND	+73	873	$326,711
AVGO	Broadcom Inc.	+68	759	$266,553
ILCV	iShares Morningstar Value ETF	+38	5,317	$0
META	Meta Platforms, Inc.	+16	716	$519,228
TXN	Texas Instruments Inc	+10	730	$204,465
No positions match the current search.

Trimmed

Positions the filer reduced

18 positions

Ticker	Company	Δ Shares	Shares	Value
VTV	VANGUARD VALUE INDEX FUND	−19,782	50,552	$10,923,276
BND	VANGUARD TOTAL BOND MARKET INDEX FUND	−16,736	6,653	$466,707
BIV	Vanguard Bond Index Funds	−8,257	5,934	$432,351
—		−4,482	28,114	$0
VCEB	VANGUARD ESG U.S. CORPORATE BOND ETF	−2,665	52,750	$3,142,845
BOXX	Alpha Architect 1-3 Month Box ETF	−2,635	36,578	$4,330,469
FRDM	Freedom 100 Emerging Markets ETF	−2,246	166,799	$11,669,258
ISTB	iShares Core 1-5 Year USD Bond ETF	−1,812	5,071	$0
QUAL	iShares MSCI USA Quality Factor ETF	−846	4,356	$0
XMHQ	Victory Portfolios II	−776	6,131	$0
VBR	VANGUARD SMALL-CAP VALUE INDEX FUND	−370	1,113	$257,136
AVSC	Avantis U.S. Small Cap Equity ETF	−300	11,005	$760,885
IDMO	Invesco Ltd.	−288	25,084	$0
IJH	iShares Core S&P Mid-Cap ETF	−232	9,191	$0
ORCL	Oracle Corp	−202	2,781	$381,831
VEA	Vanguard FTSE Developed Markets ETF	−63	12,266	$866,102
VB	Vanguard Index Funds	−38	3,407	$969,257
IVV	iShares Core S&P 500 ETF	−2	1,346	$0
No positions match the current search.

New Positions

Positions the filer opened this quarter

6 positions

Ticker	Company	Shares	Value
SHYM		340,940	$7,287,592
TAXE	T. Rowe Price Intermediate Municipal Income ETF	147,274	$7,130,417
JCPB	JPMorgan Core Plus Bond ETF	22,850	$1,023,223
VCRB	VANGUARD CORE BOND ETF	11,236	$827,194
TSLA	Tesla, Inc.	1,750	$620,917
JNJ	Johnson & Johnson	762	$201,731
No positions match the current search.

Sold Out

Positions the filer fully exited

3 positions

Ticker	Company	Shares	Value
MUB	iShares National Muni Bond ETF	17,146	$1,845,252
AGG	iShares Core U.S. Aggregate Bond ETF	7,459	$738,291
IBM	International Business Machines Corp	2,554	$718,210
No positions match the current search.

Portfolio Positions

Compact Export CSV View 13F filing

61 tracked positions · $210,407,728 total · filing declares 61 positions · $241,045,890 · as of Sep 30, 2026

All sectors Communication Services Consumer Cyclical Financial Services Healthcare Industrials Technology

Showing 1–50 of 61 positions by value · page 1 of 2

Ticker	Company	Type	Shares	Δ Shares	Value (USD)	% Δ Value	% of Portfolio
VOO	VANGUARD 500 INDEX FUND	Added	49,450	+3,997	$34,657,527	+11.0%	16.47%
AVDE	Avantis International Equity ETF	Added	334,972	+73,199	$30,184,326	+29.3%	14.35%
JPIE	JPMorgan Income ETF	Added	418,492	+27,136	$18,786,105	+4.2%	8.93%
FBND	Fidelity Total Bond ETF	Added	416,375	+30,794	$18,029,037	+2.8%	8.57%
VO	VANGUARD MID-CAP INDEX FUND	Added	188,109	+4,943	$14,751,507	−0.0%	7.01%
FRDM	Freedom 100 Emerging Markets ETF	Reduced	166,799	-2,246	$11,669,258	−5.3%	5.55%
VTV	VANGUARD VALUE INDEX FUND	Reduced	50,552	-19,782	$10,923,276	−28.7%	5.19%
ESGV	VANGUARD ESG U.S. STOCK ETF	Added	73,116	+12,497	$9,909,411	+23.6%	4.71%
AVUV	Avantis U.S. Small Cap Value ETF	Added	67,672	+967	$7,969,731	−4.2%	3.79%
SHYM		NEW	340,940	NEW	$7,287,592	NEW	3.46%
TAXE	T. Rowe Price Intermediate Municipal Income ETF	NEW	147,274	NEW	$7,130,417	NEW	3.39%
TMSL	T. Rowe Price Small-Mid Cap ETF	Added	123,221	+764	$5,015,094	−6.6%	2.38%
BOXX	Alpha Architect 1-3 Month Box ETF	Reduced	36,578	-2,635	$4,330,469	−5.7%	2.06%
BSV	VANGUARD SHORT-TERM BOND INDEX FUND	Added	54,745	+8,464	$4,182,518	+16.0%	1.99%
QQQ	Invesco Qqq Trust, Series 1	Added	5,553	+655	$4,107,942	+13.9%	1.95%
QQMG	Financial Services	Added	73,722	+11,134	$3,821,453	+19.2%	1.82%
VCEB	VANGUARD ESG U.S. CORPORATE BOND ETF	Reduced	52,750	-2,665	$3,142,845	−9.6%	1.49%
JCPB	JPMorgan Core Plus Bond ETF	NEW	22,850	NEW	$1,023,223	NEW	0.49%
AAPL	Apple Inc. Technology	Added	3,004	+518	$1,000,392	+39.1%	0.48%
VB	Vanguard Index Funds	Reduced	3,407	-38	$969,257	−7.2%	0.46%
VEA	Vanguard FTSE Developed Markets ETF	Reduced	12,266	-63	$866,102	−1.4%	0.41%
VCRB	VANGUARD CORE BOND ETF	NEW	11,236	NEW	$827,194	NEW	0.39%
AMZN	Amazon Com Inc Consumer Cyclical	Added	3,242	+1,981	$807,744	+168.8%	0.38%
NVDA	Nvidia Corp Technology	Added	3,430	+1,546	$783,343	+107.8%	0.37%
MSFT	Microsoft Corp Technology	Added	1,501	+356	$769,862	+80.3%	0.37%
AVSC	Avantis U.S. Small Cap Equity ETF	Reduced	11,005	-300	$760,885	−8.2%	0.36%
TSLA	Tesla, Inc. Consumer Cyclical	NEW	1,750	NEW	$620,917	NEW	0.30%
META	Meta Platforms, Inc. Communication Services	Added	716	+16	$519,228	+31.7%	0.25%
BND	VANGUARD TOTAL BOND MARKET INDEX FUND	Reduced	6,653	-16,736	$466,707	−72.8%	0.22%
XLK	State Street(R) Technology Select Sector SPDR(R) ETF	Held	2,232	0	$436,914	+2.7%	0.21%
BIV	Vanguard Bond Index Funds	Reduced	5,934	-8,257	$432,351	−60.3%	0.21%
VOTE	TCW Transform 500 ETF	Held	4,761	0	$428,766	+2.1%	0.20%
GOOGL	Alphabet Inc. Communication Services	Added	1,212	+364	$417,024	+37.6%	0.20%
RSG	Republic Services, Inc. Industrials	Held	1,863	0	$390,987	−1.5%	0.19%
ORCL	Oracle Corp Technology	Reduced	2,781	-202	$381,831	−12.7%	0.18%
FEOE	First Eagle Overseas Equity ETF	Held	6,306	0	$339,073	+0.7%	0.16%
VTI	VANGUARD TOTAL STOCK MARKET INDEX FUND	Added	873	+73	$326,711	+10.4%	0.16%
MU	Micron Technology Inc Technology	Added	265	+5	$282,254	−6.0%	0.13%
JPM	Jpmorgan Chase & Co Financial Services	Added	821	+3	$271,611	+1.4%	0.13%
AVGO	Broadcom Inc. Technology	Added	759	+68	$266,553	+2.1%	0.13%
VBR	VANGUARD SMALL-CAP VALUE INDEX FUND	Reduced	1,113	-370	$257,136	−28.6%	0.12%
AVSD	Avantis Responsible International Equity ETF	Held	2,986	0	$237,864	−0.3%	0.11%
GOOG	Alphabet Inc. Communication Services	Added	643	+4	$219,095	−3.0%	0.10%
TXN	Texas Instruments Inc Technology	Added	730	+10	$204,465	−4.7%	0.10%
JNJ	Johnson & Johnson Healthcare	NEW	762	NEW	$201,731	NEW	0.10%
XMHQ	Victory Portfolios II	Reduced	6,131	-776	$0	−100.0%	0.00%
		Reduced	28,114	-4,482	$0	−100.0%	0.00%
		Held	1,466	0	$0	−100.0%	0.00%
IDMO	Invesco Ltd. Financial Services	Reduced	25,084	-288	$0	−100.0%	0.00%
QQQM	Invesco Ltd. Financial Services	Added	26,391	+3,799	$0	−100.0%	0.00%

Showing the top 50 of 61 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.