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PLANNING DIRECTIONS INC

239 BALTIMORE PIKE, GLEN MILLS, PA 19342 • 610-361-0865

Q4 2025 · Filed 2026-01-21
Market Value
$198M
+3.6%
Holdings
102
+9
New Purchases
9
Added To
44
Closed
2
Reduced
41
Top 10 Concentration
62.4%
Turnover
10.8%

Top Buys (by % of Portfolio)

SymbolCur %Prior %Chg %Value
UITB 6.70% 5.99% +0.72% $13M
BSV 8.44% 7.94% +0.50% $17M
SHYG 2.79% 2.41% +0.38% $6M
NEAR 0.83% 0.49% +0.34% $2M
IJR 3.61% 3.30% +0.31% $7M
COHR 0.26% 0.00% +0.26% $517K
USTB 0.18% 0.00% +0.18% $353K
CEG 0.40% 0.27% +0.14% $803K
VGT 0.12% 0.00% +0.12% $237K
AAPL 5.84% 5.72% +0.12% $12M
XPAY 0.12% 0.00% +0.12% $229K
RSPU 0.11% 0.00% +0.11% $216K
TBUX 0.11% 0.00% +0.11% $216K
JPLD 0.11% 0.00% +0.11% $215K
ACNB 0.11% 0.00% +0.11% $214K

Top Sells (by % of Portfolio)

SymbolCur %Prior %Chg %Value
SCHD 18.59% 19.40% -0.81% $37M
VUG 2.62% 2.90% -0.28% $5M
VCSH 2.57% 2.83% -0.25% $5M
FLDR 2.87% 3.12% -0.24% $6M
COIN 0.39% 0.60% -0.21% $775K
VO 1.04% 1.24% -0.19% $2M
CRMD 0.12% 0.30% -0.19% $233K
IUSG 1.27% 1.45% -0.18% $3M
SDY 1.26% 1.38% -0.12% $3M
MA 0.00% 0.11% -0.11% $0
AXP 0.00% 0.11% -0.11% $0
VT 2.84% 2.94% -0.10% $6M
VOT 2.83% 2.92% -0.09% $6M
MSFT 0.70% 0.79% -0.09% $1M
VIG 7.54% 7.62% -0.08% $15M

Sector Allocation Over Time

Industry Breakdown

IndustryWeight
Financial Services 86.6%
Technology 9.1%
Consumer Cyclical 1.2%
Industrials 0.8%
Consumer Defensive 0.8%

Market Cap Concentration

TierHoldingsValueWeight
Mega Cap 29 $35M 17.6%
Large Cap 48 $128M 64.3%
Mid Cap 14 $26M 13.3%
Small Cap 9 $9M 4.6%
Micro Cap 2 $515K 0.3%

Portfolio Analytics

Avg Market Cap
$408.8B
Median Market Cap
$63.3B
Avg P/E
36.4
Median P/E
26.9
Avg Dividend Yield
0.02%
Avg Beta
0.94
# Stocks
38
# ETFs / Funds
64

Top Holdings (102 total)

# Symbol % Port Shares Value Avg Price Q/Q Value Chg Share Chg Chg % Status
1 SCHD 18.59% 1,344,660 $37M $27.43 -$292K -17,096 -1.3%
2 BSV 8.44% 212,543 $17M $78.81 $2M +19,669 +10.2%
3 VIG 7.54% 68,060 $15M $219.78 $357K +396 +0.6%
4 UITB 6.70% 280,824 $13M $47.35 $2M +39,451 +16.3%
5 AAPL 5.84% 42,613 $12M $271.86 $622K -439 -1.0%
6 IJR 3.61% 59,638 $7M $120.18 $845K +6,434 +12.1%
7 MGV 3.07% 43,187 $6M $141.16 $60K -634 -1.4%
8 FLDR 2.87% 113,546 $6M $50.23 -$270K -5,447 -4.6%
9 VT 2.84% 39,977 $6M $141.06 $3K -923 -2.3%
10 VOT 2.83% 20,135 $6M $279.15 $21K +1,077 +5.7%
11 SHYG 2.79% 129,248 $6M $42.87 $918K +22,496 +21.1%
12 VUG 2.62% 10,661 $5M $487.84 -$349K -911 -7.9%
13 VCSH 2.57% 64,013 $5M $79.73 -$310K -3,722 -5.5%
14 JEPI 1.62% 56,136 $3M $57.24 $21K +236 +0.4%
15 NVDA 1.46% 15,481 $3M $186.50 -$21K -104 -0.7%
16 JEPQ 1.33% 45,467 $3M $58.12 $38K +184 +0.4%
17 IUSG 1.27% 14,994 $3M $167.94 -$265K -1,918 -11.3%
18 SDY 1.26% 17,991 $3M $139.16 -$147K -936 -5.0%
19 VO 1.04% 7,137 $2M $290.24 -$296K -921 -11.4%
20 VTV 0.88% 9,177 $2M $190.99 $81K +215 +2.4%
21 NEAR 0.83% 32,270 $2M $51.10 $706K +13,878 +75.5%
22 AMZN 0.77% 6,589 $2M $230.82 $54K -90 -1.4%
23 VOO 0.75% 2,363 $1M $627.26 $13K -36 -1.5%
24 MSFT 0.70% 2,885 $1M $483.62 -$123K -47 -1.6%
25 VBR 0.70% 6,570 $1M $211.78 $18K -12 -0.2%
26 ACWV 0.68% 11,406 $1M $118.75 -$3K +89 +0.8%
27 JIRE 0.66% 17,473 $1M $74.88 $84K +821 +4.9%
28 VOE 0.64% 7,123 $1M $177.38 -$112K -753 -9.6%
29 XLP 0.61% 15,681 $1M $77.68 -$44K -424 -2.6%
30 IYJ 0.52% 6,940 $1M $148.16 -$30K -312 -4.3%
31 JMUB 0.51% 19,889 $1M $50.50 $10K +179 +0.9%
32 VTEB 0.47% 18,551 $933K $50.29 $14K +207 +1.1%
33 VHT 0.45% 3,070 $884K $287.85 -$4K -351 -10.3%
34 AMAT 0.42% 3,253 $836K $256.96 $171K +5 +0.1%
35 CEG 0.40% 2,273 $803K $353.24 $288K +707 +45.1%
36 COIN 0.39% 3,428 $775K $226.14 -$382K
37 VB 0.38% 2,956 $762K $257.93 -$37K -189 -6.0%
38 XAR 0.38% 3,147 $759K $241.22 $18K -5 -0.2%
39 RHS 0.34% 23,102 $671K $29.02 -$50K -1,570 -6.4%
40 IYH 0.33% 10,004 $651K $65.10 -$85K -2,542 -20.3%
41 WMT 0.31% 5,587 $622K $111.41 $47K
42 GOOGL 0.27% 1,735 $543K $313.02 $130K +36 +2.1%
43 VCIT 0.27% 6,393 $535K $83.75 $146K +1,767 +38.2%
44 XLU 0.27% 12,464 $532K $42.69 $27K +6,667 +115.0%
45 IYW 0.26% 2,611 $521K $199.68 $34K +123 +4.9%
46 COHR 0.26% 2,800 $517K $184.57 +2,800 NEW
47 XOM 0.26% 4,204 $506K $120.35 $32K +2 +0.1%
48 VXUS 0.23% 6,152 $464K $75.44 -$10K -298 -4.6%
49 USMV 0.23% 4,822 $454K $94.16 -$3K +13 +0.3%
50 SPY 0.23% 662 $451K $681.92 $110K +149 +29.0%
51 MCD 0.22% 1,407 $430K $305.62 -$79K -268 -16.0%
52 FVD 0.21% 9,030 $416K $46.08 -$92K -1,959 -17.8%
53 IYC 0.21% 3,978 $410K $103.13 -$34K -259 -6.1%
54 VBK 0.20% 1,332 $402K $302.00 $621 -18 -1.3%
55 PANW 0.20% 2,170 $400K $184.20 -$42K
56 SCHA 0.19% 13,293 $379K $28.48 -$9K -602 -4.3%
57 ITA 0.19% 1,752 $376K $214.66 $128K +564 +47.5%
58 MGK 0.19% 891 $368K $412.58 $6K -7 -0.8%
59 VUSB 0.18% 7,279 $363K $49.84 $5K +130 +1.8%
60 IWS 0.18% 2,544 $359K $141.03 $40K +262 +11.5%
61 USTB 0.18% 6,935 $353K $50.84 +6,935 NEW
62 WSFS 0.17% 6,195 $342K $55.24 $9K +19 +0.3%
63 PAVE 0.17% 7,027 $336K $47.79 -$46K -984 -12.3%
64 DE 0.17% 714 $332K $465.64 $7K +2 +0.3%
65 HD 0.16% 949 $327K $344.24 -$104K -115 -10.8%
66 BA 0.16% 1,455 $316K $217.18 $2K
67 IBM 0.16% 1,050 $311K $296.26 $16K +5 +0.5%
68 DELL 0.15% 2,438 $307K $125.90 -$59K -146 -5.7%
69 VYM 0.15% 2,062 $296K $143.55 $2K -22 -1.1%
70 BIV 0.15% 3,752 $292K $77.87 $61K +790 +26.7%
71 FDVV 0.15% 5,103 $289K $56.69 $83K +1,401 +37.8%
72 COST 0.15% 334 $288K $862.96 $2K +25 +8.1%
73 LOW 0.14% 1,191 $287K $241.25 -$14K -9 -0.8%
74 FIGB 0.14% 6,578 $286K $43.43 $82K +1,888 +40.3%
75 ITOT 0.14% 1,899 $282K $148.68 $7K +6 +0.3%
76 VWO 0.14% 5,082 $273K $53.76 $44K +844 +19.9%
77 CAT 0.14% 471 $270K $572.68 $46K +1 +0.2%
78 IVV 0.13% 389 $267K $685.43 -$107K -169 -30.3%
79 BRK-B 0.13% 524 $263K $502.65 -$47
80 PLTR 0.13% 1,475 $262K $177.75 -$112K -575 -28.1%
81 HCA 0.13% 558 $260K $466.57 $23K
82 NSC 0.13% 899 $260K $288.83 -$9K +4 +0.5%
83 DGRO 0.12% 3,551 $247K $69.43 $6K +19 +0.5%
84 NEE 0.12% 3,059 $246K $80.28 $18K +49 +1.6%
85 EFAV 0.12% 2,839 $245K $86.25 $7K +33 +1.2%
86 VIGI 0.12% 2,653 $243K $91.46 -$44K -545 -17.0%
87 META 0.12% 362 $239K $660.16 $17K +60 +19.9%
88 VGT 0.12% 315 $237K $752.93 +315 NEW
89 CRMD 0.12% 20,000 $233K $11.63 -$349K -30,000 -60.0%
90 PG 0.12% 1,608 $230K $143.31 -$15K +8 +0.5%
91 XPAY 0.12% 4,248 $229K $53.91 +4,248 NEW
92 PEP 0.11% 1,587 $228K $143.52 -$47K -369 -18.9%
93 JPM 0.11% 705 $227K $322.12 $6K +4 +0.6%
94 RSPU 0.11% 2,894 $216K $74.78 +2,894 NEW
95 TBUX 0.11% 4,330 $216K $49.84 +4,330 NEW
96 JPLD 0.11% 4,103 $215K $52.34 +4,103 NEW
97 ACNB 0.11% 4,433 $214K $48.35 +4,433 NEW
98 BX 0.11% 1,382 $213K $154.10 -$43K -118 -7.9%
99 GOOG 0.11% 665 $209K $313.72 +665 NEW
100 AGNCZ 0.07% 12,469 $134K $10.72 $14K +221 +1.8%

New Positions

SymbolValue% Port
COHR $517K 0.26%
USTB $353K 0.18%
VGT $237K 0.12%
XPAY $229K 0.12%
RSPU $216K 0.11%
TBUX $216K 0.11%
JPLD $215K 0.11%
ACNB $214K 0.11%
GOOG $209K 0.11%

Sold Out Positions

SymbolValue% Port
AXP —%
MA —%
View SEC EDGAR Filings for PLANNING DIRECTIONS INC →

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For informational purposes only. Not investment advice. Data sourced from SEC filings. Privacy Terms