Clear Perspectives Financial Planning, LLC

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CIK 1841174

13F portfolio (2023-Q1)

$178M

Positions

197

Implied 1Y CAGR

modeled · as filed

Long positions in SEC Section 13(f) securities (US-listed stocks, ADRs and ETFs), largest first · Δ vs 2022-Q4. A lagged quarterly snapshot (filed ≤45 days after quarter-end); excludes shorts, options, cash, and shares listed only on non-US exchanges — foreign companies held via a US listing or ADR (e.g. Alibaba, TSMC) ARE included.

Implied return what this book implies · modeled, not advice methodology →

Open in PORT →

As filed = each book applied at its quarter-end (what the reported book did) · As copyable = applied at its statutory 45-day filing deadline (what a 13F follower could have earned).

Computing…

Hypothetical modeled performance constructed with hindsight — not actual results, and not indicative of future results. See the Disclaimer.

Exposures · what this manager owns, by sector & size (2023-Q1)

Holdings

196

Top 5

42.4%

Top 10

67.9%

Effective N

17.7

HHI

0.056

This quarter

7 new · 0 exit →

By sector

Unclassified88.1%

Materials10.0%

Financials0.4%

Health Care0.4%

Information Technology0.3%

Industrials0.2%

Consumer Discretionary0.2%

Consumer Staples0.1%

Other0.3%

By market cap

Unknown88.1%

Mega (>$200B)10.9%

Large ($10–200B)0.9%

Mid ($2–10B)0.1%

Small ($300M–2B)0.0%

Micro (<$300M)0.0%

By region

Other88.1%

North America11.9%

By industry group GICS — finer than sector

Industry group	Weight	Names
Unclassified	88.11%	105
Chemicals	9.99%	2
Pharmaceuticals & Biotechnology	0.37%	12
Insurance	0.20%	5
Aerospace & Defense	0.14%	3
Commercial Services & Supplies	0.11%	3
Oil, Gas & Consumable Fuels	0.10%	8
Software	0.10%	3
Hotels, Restaurants & Leisure	0.10%	5
Technology Hardware & Equipment	0.09%	3
Beverages	0.09%	2
Software & IT Services	0.06%	4
Machinery	0.06%	1
Utilities	0.06%	5
Electrical Equipment & Components	0.06%	2
Specialty Retail	0.05%	2
Banks	0.05%	5
Semiconductors & Semiconductor Equipment	0.04%	2
Media & Entertainment	0.03%	4
Food & Staples Retailing	0.03%	1
Transportation Infrastructure	0.03%	1
Distributors	0.02%	4
Food Products	0.02%	1
Health Care Equipment & Supplies	0.01%	2
Automobiles & Components	0.01%	2
Road & Rail	0.01%	1
Construction Materials	0.01%	1
Diversified Consumer Services	0.00%	1
Equity Real Estate Investment Trusts (REITs)	0.00%	1
Textiles, Apparel & Luxury Goods	0.00%	1
Diversified Telecommunication Services	0.00%	1
Entertainment	0.00%	1
Marine	0.00%	1
Communications Equipment	0.00%	1

Top holdings

#	Ticker	Name	Sector	Weight
1	PG	PROCTER & GAMBLE Co	Materials	9.99%
2	VYM	VANGUARD WHITEHALL FDS	Unclassified	9.89%
3	RSP	INVESCO EXCHANGE TRADED FD T	Unclassified	8.19%
4	VTV	VANGUARD INDEX FDS	Unclassified	8.07%
5	VOO	VANGUARD INDEX FDS	Unclassified	6.27%
6	SGOV	ISHARES TR	Unclassified	5.90%
7	VIG	VANGUARD SPECIALIZED FUNDS	Unclassified	5.88%
8	VOOV	VANGUARD ADMIRAL FDS INC	Unclassified	5.26%
9	VXUS	VANGUARD STAR FDS	Unclassified	4.27%
10	VEA	VANGUARD TAX-MANAGED FDS	Unclassified	4.19%

92/196 names classified · sector 11.9% of weight · industry 11.9% · mkt cap 11.9%; unclassified names shown, never dropped.

Sector allocation over time · how the GICS mix & top names shifted quarter by quarter

top 5/sector, rest → “Other” · 10 quarters

MaterialsPG, USLM, CX, KMB, NKE

FinancialsCNC, V, CINF, HGTY, BRK.B · other

Health CareRGEN, JNJ, MRK, BMY, PFE · other

Information TechnologyMSFT, OTIS, AAPL, CSCO, NVDA · other

IndustrialsRTX, CARR, BKNG, NSC, MMM · other

Consumer DiscretionaryAMZN, YUM, SBUX, TSLA, DRI · other

Communication ServicesGOOGL, GOOG, LBRDK, T, CMCSA · other

Consumer StaplesPEP, KR, SJM, MNST, GIS · other

EnergyCVX, OXY, XOM, COP, PSX · other

UtilitiesPEG, D, DUK, EXC, CEG · other

Real EstateDX, BRSP, O, WELL, PDM · other

UnclassifiedVTIP, RSP, VYM, SGOV, BIL · other

Sector is classified on each name's CURRENT fundamentals, not point-in-time — apparent sector drift can reflect the market re-rating a holding, not a manager trade. 13F is a lagged quarterly snapshot of long positions in US-listed securities only — foreign companies held via a US listing or ADR ARE included, but shares listed only on non-US exchanges (plus shorts, options and cash) are not. Latest quarter: 11.9% of the book is sector-classified (unclassified names shown, never dropped).

Style box · size × value-growth placement of the reported book (2023-Q1), classified on current fundamentals (not point-in-time) — load it into PORT to overlay your own portfolio

Only 12% of book weight classified — the grid is NOT representative of the whole book.

holdings, colored by sector (81 classified)Clear Perspectives Financial Planning, LLC centroid (Large Value)

MaterialsHealth CareInformation TechnologyIndustrialsFinancialsConsumer DiscretionaryConsumer StaplesEnergyCommunication ServicesUtilities

Style box summary for Clear Perspectives Financial Planning, LLC: centroid Large Value. Heaviest cells: Large Value 10.4%, Large Core 0.4%, Large Growth 0.4%.

Classified: 11.7% of book weight (81/190 names) · unclassified 88.3%: VYM, RSP, VTV, VOO, SGOV, VIG, VOOV, VXUS, VEA, SDY +99 more. Size: cap 70/20/10 bands; style: value/growth composite on our own metrics — not Morningstar's model.

Contribution holdings-based, any period

No contribution data for this period.

Holdings· 197 positions (2023-Q1) · largest first · Δ vs 2022-Q4

#	Security	Shares	Value	Weight	Δ QoQ
1	PGPROCTER AND GAMBLE CO	119,795	$18M	10.0%	ADD 11%
2	VYMVANGUARD WHITEHALL FDS	167,160	$18M	9.9%	TRIM −21%
3	RSPINVESCO EXCHANGE TRADED FD T	101,050	$15M	8.2%	HOLD
4	VTVVANGUARD INDEX FDS	104,162	$14M	8.1%	TRIM −6%
5	VOOVANGUARD INDEX FDS	29,738	$11M	6.3%	ADD 138%
6	SGOVISHARES TR	104,680	$11M	5.9%	TRIM −29%
7	VIGVANGUARD SPECIALIZED FUNDS	68,074	$10M	5.9%	ADD 565%
8	VOOVVANGUARD ADMIRAL FDS INC	63,978	$9M	5.3%	ADD 1321%
9	VXUSVANGUARD STAR FDS	138,081	$8M	4.3%	NEW
10	VEAVANGUARD TAX-MANAGED FDS	165,572	$7M	4.2%	ADD 102740%
11	SDYSPDR SER TR	59,084	$7M	4.1%	TRIM −2%
12	DVYISHARES TR	55,540	$7M	3.6%	TRIM −36%
13	MGKVanguard Mega Cap Growth ETF	25,381	$5M	2.9%	ADD 173%
14	MGVVANGUARD WORLD FD	44,535	$4M	2.5%	TRIM −18%
15	IOOIShares S&P Global 100 Index ETF	43,702	$3M	1.7%	ADD 694%
16	IWBISHARES TR	13,376	$3M	1.7%	TRIM −2%
17	SPYSTATE STR SPDR S&P 500 ETF T	6,235	$3M	1.4%	ADD 4%
18	BILSPDR SERIES TRUST	27,633	$3M	1.4%	TRIM −56%
19	IVVISHARES TR	5,779	$2M	1.3%	HOLD
20	VTIVANGUARD INDEX FDS	10,017	$2M	1.1%	HOLD
21	VVVANGUARD INDEX FDS	9,072	$2M	1.0%	TRIM −9%
22	SPLVINVESCO EXCH TRADED FD TR II	26,675	$2M	0.9%	TRIM −7%
23	QQQINVESCO QQQ TR	5,077	$2M	0.9%	HOLD
24	OEFISHARES TR	5,712	$1M	0.6%	TRIM −2%
25	VUGVANGUARD INDEX FDS	4,237	$1M	0.6%	ADD 10%
26	IWFISHARES TR	4,184	$1M	0.6%	HOLD
27	USMVISHARES TR	9,195	$668,844	0.4%	TRIM −35%
28	DSIISHARES TR	7,626	$594,765	0.3%	HOLD
29	HDVISHARES TR	5,352	$544,084	0.3%	TRIM −90%
30	DFUVDIMENSIONAL ETF TRUST	15,754	$527,444	0.3%	HOLD
31	SUSAISHARES TR	4,978	$436,919	0.2%	HOLD
32	IWVISHARES TR	1,403	$330,358	0.2%	HOLD
33	VOTVANGUARD INDEX FDS	1,420	$276,744	0.2%	HOLD
34	RTXRTX CORPORATION	2,483	$243,160	0.1%	HOLD
35	VBVANGUARD INDEX FDS	1,280	$242,710	0.1%	ADD 3%
36	CNCCENTENE CORP DEL	3,818	$241,336	0.1%	TRIM −7%
37	VHTVANGUARD WORLD FD	987	$235,471	0.1%	TRIM −4%
38	AVDEAMERICAN CENTY ETF TR	3,800	$216,714	0.1%	NEW
39	ACWIISHARES TR	2,288	$208,574	0.1%	ADD 102%
40	VTVANGUARD INTL EQUITY INDEX F	2,263	$208,425	0.1%	HOLD
41	VXFVANGUARD INDEX FDS	1,391	$194,976	0.1%	HOLD
42	MSFTMICROSOFT CORP	614	$177,016	0.1%	HOLD
43	BMYBRISTOL-MYERS SQUIBB CO	2,546	$176,463	0.1%	HOLD
44	IWDISHARES TR	1,128	$171,764	0.1%	TRIM −38%
45	RGENREPLIGEN CORP	975	$164,151	0.1%	HOLD
46	AAPLAPPLE INC	837	$138,021	0.1%	HOLD
47	VVISA INC	610	$137,531	0.1%	HOLD
48	PEPPEPSICO INC	738	$134,537	0.1%	HOLD
49	VOVANGUARD INDEX FDS	631	$133,113	0.1%	TRIM −5%
50	JNJJOHNSON & JOHNSON	850	$131,750	0.1%	HOLD
51	XLESELECT SECTOR SPDR TR	1,420	$117,619	0.1%	TRIM −84%
52	CARRCARRIER GLOBAL CORPORATION	2,442	$111,722	0.1%	HOLD
53	OTISOTIS WORLDWIDE CORP	1,231	$103,896	0.1%	HOLD
54	VPUVANGUARD WORLD FD	600	$88,512	0.0%	HOLD
55	MRKMERCK & CO INC	813	$86,495	0.0%	HOLD
56	PAVEGLOBAL X FDS	2,925	$82,924	0.0%	HOLD
57	VOEVANGUARD INDEX FDS	560	$75,079	0.0%	TRIM −25%
58	CVXCHEVRON CORP NEW	457	$74,564	0.0%	HOLD
59	CINFCINCINNATI FINL CORP	655	$73,412	0.0%	HOLD
60	XLISELECT SECTOR SPDR TR	715	$72,344	0.0%	HOLD
61	AMZNAMAZON COM INC	700	$72,303	0.0%	HOLD
62	AOAISHARES TR	1,073	$68,213	0.0%	TRIM −3%
63	GOOGLALPHABET INC	600	$62,238	0.0%	HOLD
64	BRK.BBERKSHIRE HATHAWAY INC DEL	200	$61,754	0.0%	HOLD
65	SPYGSPDR SERIES TRUST STATE STREET SPD	1,100	$60,896	0.0%	HOLD
66	SCHVSCHWAB STRATEGIC TR	900	$59,022	0.0%	HOLD
67	SCHGSCHWAB U.S. LARGE-CAP GROWTH ETF	900	$58,653	0.0%	HOLD
68	PEGPUBLIC SVC ENTERPRISE GROUP	887	$55,393	0.0%	HOLD
69	MAMASTERCARD INCORPORATED	150	$54,512	0.0%	HOLD
70	YUMYUM BRANDS INC	394	$52,040	0.0%	HOLD
71	GOOGALPHABET INC	500	$52,000	0.0%	HOLD
72	INTCINTEL CORP	1,568	$51,227	0.0%	HOLD
73	IVEISHARES TR	336	$50,991	0.0%	TRIM −14%
74	KRKROGER CO	970	$47,889	0.0%	HOLD
75	BKNGBOOKING HOLDINGS INC	17	$45,091	0.0%	HOLD
76	SBUXSTARBUCKS CORP	414	$43,110	0.0%	HOLD
77	XLVSELECT SECTOR SPDR TR	325	$42,075	0.0%	HOLD
78	FITBFIFTH THIRD BANCORP	1,577	$42,011	0.0%	ADD 41%
79	SJMSMUCKER J M CO	265	$41,703	0.0%	HOLD
80	IXCISHARES TR	1,100	$41,536	0.0%	HOLD
81	AMGNAMGEN INC	168	$40,614	0.0%	HOLD
82	AHODFKoninklijke Ahold Delhaize N.V.	1,096	$37,337	0.0%	HOLD
83	COPCONOCOPHILLIPS	374	$37,105	0.0%	HOLD
84	FHLCFIDELITY COVINGTON TRUST	600	$36,882	0.0%	TRIM −50%
85	IJRISHARES TR	364	$35,199	0.0%	TRIM −8%
86	DRIDARDEN RESTAURANTS INC	220	$34,135	0.0%	HOLD
87	SPYMSPDR SERIES TRUST	675	$32,501	0.0%	TRIM −54%
88	VWOVANGUARD INTL EQUITY INDEX F	800	$32,320	0.0%	ADD 373%
89	SCHFSCHWAB STRATEGIC TR	920	$32,016	0.0%	HOLD
90	LBRDKLIBERTY BROADBAND CORP	385	$31,455	0.0%	HOLD
91	PEYINVESCO EXCHANGE TRADED FD T	1,570	$31,274	0.0%	TRIM −99%
92	DUKDUKE ENERGY CORP NEW	316	$30,485	0.0%	HOLD
93	MNSTMONSTER BEVERAGE CORP NEW	540	$29,165	0.0%	ADD 100%
94	MCDMCDONALDS CORP	102	$28,520	0.0%	HOLD
95	GLDSPDR GOLD TR	155	$28,399	0.0%	TRIM −43%
96	HUMHUMANA INC	57	$27,671	0.0%	HOLD
97	LLYELI LILLY & CO	80	$27,474	0.0%	HOLD
98	XOMEXXON MOBIL CORP	236	$25,880	0.0%	HOLD
99	SCHASCHWAB STRATEGIC TR	600	$25,158	0.0%	TRIM −22%
100	COSTCOSTCO WHSL CORP NEW	50	$24,844	0.0%	HOLD
101	ACWVISHARES INC	253	$24,478	0.0%	HOLD
102	TSLATESLA INC	117	$24,273	0.0%	TRIM −5%
103	JPMJPMORGAN CHASE & CO	186	$24,238	0.0%	HOLD
104	TANINVESCO EXCH TRADED FD TR II	310	$24,065	0.0%	ADD 24%
105	NVDANVIDIA CORPORATION	86	$23,888	0.0%	HOLD
106	YUMCYUM CHINA HLDGS INC	376	$23,835	0.0%	HOLD
107	SPTMSPDR SERIES TRUST	470	$23,702	0.0%	TRIM −10%
108	NSCNORFOLK SOUTHN CORP	108	$22,896	0.0%	HOLD
109	MCEMMONARCH CEM CO	200	$22,200	0.0%	HOLD
110	LIBERTY MEDIA CORP DEL	792	$22,168	0.0%	HOLD
111	PSXPHILLIPS 66	204	$20,704	0.0%	HOLD
112	CORCENCORA INC	125	$20,014	0.0%	HOLD
113	FOOT LOCKER INC	500	$19,845	0.0%	HOLD
114	ICLNISHARES TR	1,000	$19,780	0.0%	HOLD
115	VISVANGUARD WORLD FD	100	$19,051	0.0%	TRIM −50%
116	DFASDIMENSIONAL ETF TRUST	350	$18,445	0.0%	NEW
117	CSCOCISCO SYS INC	345	$18,035	0.0%	HOLD
118	ABBVABBVIE INC	112	$17,849	0.0%	TRIM −52%
119	DFATDIMENSIONAL ETF TRUST	400	$17,800	0.0%	NEW
120	SCHBSCHWAB STRATEGIC TR	342	$16,365	0.0%	HOLD
121	FFBCFIRST FINL BANCORP OH	750	$16,328	0.0%	NEW
122	PRFINVESCO EXCHANGE TRADED FD T	104	$16,305	0.0%	HOLD
123	PODDINSULET CORP	50	$15,948	0.0%	HOLD
124	GPCGENUINE PARTS CO	95	$15,894	0.0%	HOLD
125	LIBERTY MEDIA CORP DEL	546	$15,337	0.0%	HOLD
126	USLMUNITED STS LIME & MINERALS I	100	$15,269	0.0%	HOLD
127	LIBERTY	198	$14,816	0.0%	HOLD
128	EFGISHARES TR	150	$14,052	0.0%	HOLD
129	FDLFirst Trust Morningstar Div Leaders ETF	390	$13,845	0.0%	TRIM −100%
130	IEMGISHARES INC	276	$13,466	0.0%	TRIM −13%
131	SCHXSCHWAB U.S. LARGE-CAP ETF	278	$13,447	0.0%	HOLD
132	IBMINTERNATIONAL BUSINESS MACHS	102	$13,371	0.0%	HOLD
133	MPCMARATHON PETE CORP	96	$12,944	0.0%	HOLD
134	PFEPFIZER INC	315	$12,852	0.0%	TRIM −85%
135	PRFZINVESCO EXCHANGE TRADED FD T	77	$12,668	0.0%	HOLD
136	TRVTRAVELERS COMPANIES INC	70	$11,999	0.0%	HOLD
137	LBRDALIBERTY BROADBAND CORP	136	$11,168	0.0%	HOLD
138	SCHDSCHWAB STRATEGIC TR	150	$10,974	0.0%	TRIM −12%
139	QTECFIRST TR EXCHANGE-TRADED FD	80	$10,441	0.0%	HOLD
140	EXCEXELON CORP	231	$9,677	0.0%	HOLD
141	NFLXNETFLIX INC	28	$9,673	0.0%	HOLD
142	MMM3M CO	90	$9,460	0.0%	HOLD
143	LIBERTY	136	$9,180	0.0%	HOLD
144	FST TR NEW OPPORT MLP & ENE	1,500	$8,970	0.0%	HOLD
145	ENBENBRIDGE INC	224	$8,546	0.0%	HOLD
146	CUTINVESCO EXCH TRADED FD TR II	281	$8,387	0.0%	HOLD
147	GILDGILEAD SCIENCES INC	100	$8,297	0.0%	HOLD
148	WBDWARNER BROS DISCOVERY INC	509	$7,686	0.0%	HOLD
149	CNXCCONCENTRIX CORP	62	$7,536	0.0%	HOLD
150	PXFINVESCO EXCH TRADED FD TR II	171	$7,534	0.0%	HOLD
151	XLPSELECT SECTOR SPDR TR	100	$7,471	0.0%	HOLD
152	ADXADAMS DIVERSIFIED EQUITY FD	456	$7,086	0.0%	HOLD
153	OXYOCCIDENTAL PETE CORP	111	$6,930	0.0%	HOLD
154	RWRSPDR SERIES TRUST	78	$6,925	0.0%	HOLD
155	IVWISHARES TR	106	$6,772	0.0%	TRIM −54%
156	CEGCONSTELLATION ENERGY CORP	77	$6,045	0.0%	HOLD
157	SNXSYNNEX CORP	62	$6,001	0.0%	HOLD
158	SCISERVICE CORP INTL	85	$5,846	0.0%	HOLD
159	BRSPBRIGHTSPIRE CAPITAL INC	969	$5,717	0.0%	HOLD
160	WWWWOLVERINE WORLD WIDE INC	326	$5,558	0.0%	HOLD
161	CIVBCIVISTA BANCSHARES INC	318	$5,368	0.0%	TRIM −76%
162	PLTRPALANTIR TECHNOLOGIES INC	500	$4,225	0.0%	HOLD
163	SPHDINVESCO EXCH TRADED FD TR II	100	$4,221	0.0%	TRIM −100%
164	RWXSPDR INDEX SHS FDS	157	$4,126	0.0%	HOLD
165	CITHE CIGNA GROUP	15	$3,833	0.0%	HOLD
166	XLRESELECT SECTOR SPDR TR	100	$3,738	0.0%	TRIM −80%
167	HONHONEYWELL INTL INC	19	$3,631	0.0%	HOLD
168	CNPCENTERPOINT ENERGY INC	121	$3,557	0.0%	HOLD
169	BARRICK GOLD CORP	164	$3,045	0.0%	HOLD
170	VZVERIZON COMMUNICATIONS INC	42	$1,633	0.0%	HOLD
171	NULVNUSHARES ETF TR	46	$1,567	0.0%	TRIM −47%
172	IEFAISHARES TR	22	$1,471	0.0%	TRIM −88%
173	CGCCANOPY GROWTH CORP	719	$1,258	0.0%	HOLD
174	DISDISNEY WALT CO	12	$1,202	0.0%	HOLD
175	CCLCARNIVAL CORP	104	$1,056	0.0%	HOLD
176	CIENCIENA CORP	16	$840	0.0%	HOLD
177	CCITIGROUP INC	17	$797	0.0%	HOLD
178	RYLDGLOBAL X FDS	44	$790	0.0%	HOLD
179	DDD3-D SYS CORP DEL	65	$697	0.0%	HOLD
180	NKENIKE INC	5	$613	0.0%	HOLD
181	OXY.WSOCCIDENTAL PETE CORP	13	$533	0.0%	HOLD
182	FSKFS KKR CAP CORP	28	$518	0.0%	NEW
183	CTXRCITIUS PHARMACEUTICALS INC	400	$468	0.0%	HOLD
184	VGSHVANGUARD SHORT-TERM TREASURY ETF	7	$410	0.0%	HOLD
185	VTWOVANGUARD SCOTTSDALE FDS	5	$360	0.0%	HOLD
186	METAMETA PLATFORMS INC	1	$212	0.0%	TRIM −80%
187	REPXRILEY EXPLORATION PERMIAN IN	4	$152	0.0%	HOLD
188	VTRSVIATRIS INC	11	$106	0.0%	HOLD
189	WABWABTEC	1	$101	0.0%	HOLD
190	GEGE AEROSPACE	1	$96	0.0%	HOLD
191	MPVDFMOUNTAIN PROV DIAMONDS INC COM NEW ISIN #CA62426E4022 SEDOL #2607948	195	$74	0.0%	HOLD
192	REZIRESIDEO TECHNOLOGIES INC	3	$55	0.0%	HOLD
193	KDKYNDRYL HLDGS INC	3	$44	0.0%	HOLD
194	BBLUEA SERIES TRUST	1	$9	0.0%	HOLD
195	GTXGARRETT MOTION INC	1	$8	0.0%	HOLD
196	MJNAMedical Marijuana Inc	1,000	$4	0.0%	HOLD
197	HEMPHEMP INC	1,000	$0	0.0%	NEW

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