Latest Sterling Financial Planning, Inc. Stock Portfolio

Sterling Financial Planning, Inc. Performance:

2025 Q4: 2.62%YTD: 15.49%2024: 1.21%

Performance for 2025 Q4 is 2.62%, and YTD is 15.49%, and 2024 is 1.21%.

About Sterling Financial Planning, Inc. and 13F Hedge Fund Stock Holdings

Sterling Financial Planning, Inc. is a hedge fund based in SPARTA, NJ. On 16-Mar-2023, the fund reported that it had an AUM (Regulated Assets under Management) of $549.1 Millions. In it's latest 13F Holdings report, Sterling Financial Planning, Inc. reported an equity portfolio of $331.8 Millions as of 31 Dec, 2025.

The top stock holdings of Sterling Financial Planning, Inc. are IAU, IJR, IJR. The fund has invested 6.3% of it's portfolio in ISHARES GOLD TR and 6.1% of portfolio in ISHARES TR.

The fund managers got completely rid off ORACLE CORP (ORCL) stocks. They significantly reduced their stock positions in INTERNATIONAL BUSINESS MACHS (IBM), BECTON DICKINSON & CO (BDX) and ISHARES TR (IBCE). Sterling Financial Planning, Inc. opened new stock positions in LAM RESEARCH CORP (LRCX), VANGUARD INDEX FDS (VB) and CATERPILLAR INC (CAT). The fund showed a lot of confidence in some stocks as they added substantially to CALAMOS ETF TR, VANGUARD BD INDEX FDS (BIV) and VANGUARD MUN BD FDS (VTEB).

Sterling Financial Planning, Inc. Annual Return Estimates Vs S&P 500

Our best estimate is that Sterling Financial Planning, Inc. made a return of 2.62% in the last quarter. In trailing 12 months, it's portfolio return was 15.49%.

Performance
S&P 500

New Buys

Ticker	$ Bought
lam research corp	245,643
vanguard index fds	212,586
caterpillar inc	212,535
royal caribbean group	209,190
cisco sys inc	208,366

New stocks bought by Sterling Financial Planning, Inc.

Additions

Ticker	% Inc.
calamos etf tr	104
cohen & steers etf trust	24.25
vanguard bd index fds	18.21
vanguard mun bd fds	14.66
vanguard scottsdale fds	11.3
dimensional etf trust	11.16
vanguard charlotte fds	10.03
vanguard malvern fds	9.92

Additions to existing portfolio by Sterling Financial Planning, Inc.

Reductions

Ticker	% Reduced
international business machs	-30.97
becton dickinson & co	-17.15
ishares tr	-11.62
costco whsl corp new	-9.78
ishares tr	-8.71
prudential finl inc	-7.89
invesco exchange traded fd t	-6.63
spdr gold tr	-5.64

Sterling Financial Planning, Inc. reduced stake in above stock

Sold off

Ticker	$ Sold
oracle corp	-279,553

Sterling Financial Planning, Inc. got rid off the above stocks

Sector Distribution

Sterling Financial Planning, Inc. has about 90.9% of it's holdings in Others sector.

Sector	%
Others	90.9
Technology	2.2
Utilities	1.5
Healthcare	1.1

Market Cap. Distribution

Sterling Financial Planning, Inc. has about 7.3% of it's portfolio invested in the large-cap and mega-cap stocks.

Category	%
UNALLOCATED	90.9
MEGA-CAP	5.1
LARGE-CAP	2.2
SMALL-CAP	1.5

Stocks belong to which Index?

About 9% of the stocks held by Sterling Financial Planning, Inc. either belong to S&P 500 or RUSSELL 2000 index.

Index	%
Others	91
S&P 500	7.3
RUSSELL 2000	1.7

Top 5 Winners (%)		%
LLY	eli lilly & co	40.7 %
GOOG	alphabet inc	28.8 %
GOOG	alphabet inc	28.5 %
MRK	merck & co inc	25.4 %
JNJ	johnson & johnson	11.6 %

Top 5 Winners ($)		$
IAU	ishares gold tr	2.2 M
DFAC	dimensional etf trust	1.2 M
DFAC	dimensional etf trust	0.7 M
GLD	spdr gold tr	0.5 M
FNDA	schwab strategic tr	0.4 M

Top 5 Losers (%)		%
HD	home depot inc	-15.0 %
CARR	carrier global corporation	-11.5 %
META	meta platforms inc	-10.1 %
VZ	verizon communications inc	-7.3 %
O	realty income corp	-7.3 %

Top 5 Losers ($)		$
DFAC	dimensional etf trust	-0.2 M
VB	vanguard index fds	-0.2 M
MSFT	microsoft corp	-0.1 M
DFAC	dimensional etf trust	-0.1 M
VB	vanguard index fds	-0.1 M

Sterling Financial Planning, Inc. Holdings Map

This heatmap illustrates the top 50 positions within the fund's portfolio.

Current Stock Holdings of Sterling Financial Planning, Inc.

Sterling Financial Planning, Inc. has 120 stocks in it's portfolio. About 46.8% of the portfolio is in top 10 stocks. DFAC proved to be the most loss making stock for the portfolio. IAU was the most profitable stock for Sterling Financial Planning, Inc. last quarter.

Last Reported on: 27 Jan, 2026

Ticker	Namesorted ascending	% Portfolio	Shares Held	$ Value	Type	% Change
AAPL	apple inc	1.30	15,848	4,308,340	added	1.73

AAXJ	ishares tr	1.40	40,778	4,645,440	added	0.16

AAXJ	ishares tr	0.96	80,816	3,188,210	reduced	-2.08

AAXJ	ishares tr	0.53	16,354	1,751,730	reduced	-0.9

AAXJ	ishares tr	0.41	17,663	1,369,440	reduced	-2.61

AAXJ	ishares tr	0.11	3,805	366,329	reduced	-8.71

AAXJ	ishares tr	0.07	3,630	225,614	added	0.06

ABBV	abbvie inc	0.09	1,289	294,524	reduced	-2.5

ADIV	guinness atkinson fds	0.08	8,876	274,498	unchanged	0.00

AGZD	wisdomtree tr	0.69	39,885	2,283,020	added	0.03

AMPS	ishares tr	1.31	188,307	4,335,770	added	3.53

AMZN	amazon com inc	0.18	2,627	606,364	added	6.92

BALT	innovator etfs trust	2.65	274,850	8,787,020	added	2.83

BALT	innovator etfs trust	0.09	7,732	298,992	reduced	-0.17

BAPR	innovator etfs trust	0.21	14,932	702,100	reduced	-5.24

BAPR	innovator etfs trust	0.09	7,735	308,781	reduced	-2.25

BDX	becton dickinson & co	0.06	1,116	216,643	reduced	-17.15

BIL	spdr series trust	0.17	6,511	551,121	reduced	-0.15

BIL	spdr series trust	0.07	2,645	244,493	unchanged	0.00

BIV	vanguard bd index fds	3.04	129,501	10,085,600	added	18.21