Sterling Financial Planning, Inc.

CIK 0001844278 · Q2 2026

13F Equity AUM

$367.7M

+9.0% QoQ

Positions

123

+6 QoQ

AUM Rank

#4,429

Top 51%

Skill Alpha (FF)

-3.0%/yr^ns

No Clear Edge

Rank #6,883 · Top 83%

vs S&P -4.0%/yr (unadj.)

Quarters Tracked

~5 years

Portfolio Concentration

Top 5: 28.7%Top 10: 46.9%Top 20: 67.9%

IJJ6.3%

IJT6.2%

IJK5.8%

IVW5.5%

IAU*4.8%

DFIV4.6%

VYM3.6%

FNDX3.5%

DISV3.3%

BIV3.2%

Others (113)53.1%

HHI (Herfindahl-Hirschman Index) measures portfolio concentration. Low (<1500) = diversified, Moderate (1500-2500), High (>2500) = concentrated bets.

Sector Allocation

Financial Services88.2%

Financials4.8%

Technology2.2%

Other4.8%

Portfolio weight by GICS sector based on latest 13F filing. Sectors below 2% are grouped as “Other.”

Position Sizing

Positions: 123Median: 0.18%Avg: 0.81%

0–0.5%

81(12.0%)

0.5–1%

14(10.3%)

1–3%

17(27.7%)

3–5%

7(26.1%)

5%+

4(23.9%)

Count of positions per weight bucket — (%) = combined portfolio weight

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Portfolio Overlap

Shared: 0Unique: 123vs 20 funds

0%Low

123

Fund positions

Consensus CUSIPs

Jaccard similarity of this fund’s portfolio vs the consensus of top 20 funds by AUM. Low (<15%) = contrarian, Moderate (15-40%), High (>40%) = follows the crowd.

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Position Changes This Quarter

New8Increased48Decreased50Exited2

New Positions

GEV0.1%

+265

DFAT0.1%

+3K

INTC0.1%

+2K

RCL0.1%

+668

GLW0.1%

+833

EEM0.1%

+3K

VB0.1%

+757

SDY0.1%

+1K

Increased

DFGR1.9%

+12K(+5%)

BIV3.2%

+11K(+7%)

DFIP2.0%

+9K(+5%)

VUG0.3%

+9K(+489%)

DISV3.3%

+7K(+2%)

VCSH1.3%

+6K(+11%)

GOVT1.2%

+6K(+3%)

VO0.2%

+6K(+292%)

VTIP0.8%

+5K(+9%)

XBJA2.6%

+4K(+1%)

Decreased

FNDX3.5%

-5,912(-1%)

FNDC0.7%

-4,160(-8%)

IDV*0.8%

-3,773(-5%)

DFEV2.0%

-3,746(-2%)

IJS2.7%

-3,364(-4%)

IJK5.8%

-2,814(-2%)

IJH1.4%

-2,196(-3%)

IJT6.2%

-1,844(-1%)

SCHE0.1%

-1,639(-11%)

IAU*4.8%

-1,611(-1%)

Exited

VDE

-1,304

UFEB

-5,653

Quarter-over-quarter changes compared to prior 13F filing. New = first appearance; Exited = no longer held.

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Holdings

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