Fee-Only Financial Planning, L.C.

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CIK 1954044

13F portfolio (2026-Q1)

$166M

Positions

Implied 1Y CAGR

modeled · as filed

Long positions in SEC Section 13(f) securities (US-listed stocks, ADRs and ETFs), largest first · Δ vs 2025-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 →

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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 (2026-Q1)

Holdings

Top 5

69.9%

Top 10

86.6%

Effective N

7.1

HHI

0.141

This quarter

2 new · 0 exit →

By sector

Unclassified93.2%

Information Technology1.4%

Financials1.4%

Consumer Staples1.4%

Utilities1.0%

Communication Services0.7%

Energy0.5%

Consumer Discretionary0.2%

Health Care0.2%

By market cap

Unknown93.2%

Mega (>$200B)3.7%

Large ($10–200B)3.2%

By region

Other93.2%

North America6.8%

By industry group GICS — finer than sector

Industry group	Weight	Names
Unclassified	93.17%	23
Banks	1.38%	2
Tobacco	1.18%	2
Utilities	1.01%	4
Oil, Gas & Consumable Fuels	0.54%	1
Electrical Equipment & Components	0.50%	2
Software	0.47%	2
Technology Hardware & Equipment	0.45%	1
Diversified Telecommunication Services	0.44%	1
Media & Entertainment	0.30%	2
Food Products	0.21%	1
Specialty Retail	0.20%	1
Pharmaceuticals & Biotechnology	0.15%	1

Top holdings

#	Ticker	Name	Sector	Weight
1	VUG	VANGUARD INDEX FDS	Unclassified	27.97%
2	VTV	VANGUARD INDEX FDS	Unclassified	19.47%
3	VO	VANGUARD INDEX FDS	Unclassified	8.75%
4	VBR	VANGUARD INDEX FDS	Unclassified	6.89%
5	VB	VANGUARD INDEX FDS	Unclassified	6.80%
6	VBK	VANGUARD INDEX FDS	Unclassified	5.44%
7	VEU	VANGUARD INTL EQUITY INDEX F	Unclassified	4.54%
8	VOE	VANGUARD INDEX FDS	Unclassified	2.51%
9	VOO	VANGUARD INDEX FDS	Unclassified	2.49%
10	VTI	VANGUARD INDEX FDS	Unclassified	1.73%

20/43 names classified · sector 6.8% of weight · industry 6.8% · mkt cap 6.8%; unclassified names shown, never dropped.

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

top 5/sector, rest → “Other” · 14 quarters

FinancialsBAC, TFC, BRK.B

Consumer StaplesPM, MO, MDLZ

Information TechnologyADBE, MSFT, GE, AAPL, GEV · other

UtilitiesSO, AEP, D, ED

Communication ServicesT, CMCSA, WBD, FUBO

Energy

IndustrialsICFI, NSC

Consumer Discretionary

Health Care

UnclassifiedVUG, VTV, VO, VBR, VB · 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: 6.8% of the book is sector-classified (unclassified names shown, never dropped).

Style box · size × value-growth placement of the reported book (2026-Q1), classified on current fundamentals (not point-in-time) — load it into PORT to overlay your own portfolio

Only 7% of book weight classified — the grid is NOT representative of the whole book.

holdings, colored by sector (20 classified)Fee-Only Financial Planning, L.C. centroid (Large Value)

Information TechnologyFinancialsConsumer StaplesUtilitiesCommunication ServicesEnergyConsumer DiscretionaryHealth Care

Style box summary for Fee-Only Financial Planning, L.C.: centroid Large Value. Heaviest cells: Large Value 3.9%, Large Growth 1.2%, Mid Core 0.9%.

Classified: 6.8% of book weight (20/43 names) · unclassified 93.2%: VUG, VTV, VO, VBR, VB, VBK, VEU, VOE, VOO, VTI +13 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· 43 positions (2026-Q1) · largest first · Δ vs 2025-Q4

#	Security	Shares	Value	Weight	Δ QoQ
1	VUGVANGUARD INDEX FDS	106,068	$46M	28.0%	HOLD
2	VTVVANGUARD INDEX FDS	164,391	$32M	19.5%	HOLD
3	VOVANGUARD INDEX FDS	50,451	$14M	8.7%	HOLD
4	VBRVANGUARD INDEX FDS	52,537	$11M	6.9%	HOLD
5	VBVANGUARD INDEX FDS	42,989	$11M	6.8%	HOLD
6	VBKVANGUARD INDEX FDS	29,838	$9M	5.4%	HOLD
7	VEUVANGUARD INTL EQUITY INDEX F	100,181	$8M	4.5%	HOLD
8	VOEVANGUARD INDEX FDS	22,527	$4M	2.5%	HOLD
9	VOOVANGUARD INDEX FDS	6,908	$4M	2.5%	TRIM −11%
10	VTIVANGUARD INDEX FDS	8,928	$3M	1.7%	TRIM −2%
11	VXFVANGUARD INDEX FDS	10,520	$2M	1.3%	TRIM −6%
12	VOTVANGUARD INDEX FDS	7,063	$2M	1.1%	HOLD
13	BACBANK AMERICA CORP	34,317	$2M	1.0%	HOLD
14	MGKVanguard Mega Cap Growth ETF	4,100	$2M	0.9%	TRIM −2%
15	VEAVANGUARD TAX-MANAGED FDS	20,194	$1M	0.8%	HOLD
16	PMPHILIP MORRIS INTL INC	7,666	$1M	0.8%	HOLD
17	VDEVANGUARD WORLD FD	7,000	$1M	0.7%	TRIM −10%
18	XOMEXXON MOBIL CORP	5,263	$892,921	0.5%	TRIM −9%
19	VVVANGUARD INDEX FDS	2,925	$874,091	0.5%	HOLD
20	AAPLAPPLE INC	2,907	$737,768	0.4%	ADD 13%
21	TAT&T INC	25,377	$735,679	0.4%	HOLD
22	MOALTRIA GROUP INC	10,303	$679,895	0.4%	TRIM −2%
23	AEPAMERICAN ELEC PWR CO INC	4,769	$625,121	0.4%	HOLD
24	TFCTRUIST FINL CORP	13,506	$620,871	0.4%	HOLD
25	SOSOUTHERN CO	5,868	$566,334	0.3%	ADD 4%
26	GEGE AEROSPACE	1,562	$443,249	0.3%	TRIM −6%
27	MSFTMICROSOFT CORP	1,178	$436,102	0.3%	HOLD
28	VWOVANGUARD INTL EQUITY INDEX F	7,640	$412,942	0.2%	HOLD
29	GEVGE VERNOVA INC	434	$378,839	0.2%	TRIM −4%
30	MDLZMONDELEZ INTL INC	5,941	$342,439	0.2%	HOLD
31	ADBEADOBE INC	1,405	$341,527	0.2%	HOLD
32	AZOAUTOZONE INC	100	$337,778	0.2%	TRIM −4%
33	FENYFIDELITY COVINGTON TRUST	9,290	$316,046	0.2%	TRIM −21%
34	VNQVANGUARD INDEX FDS	3,386	$300,338	0.2%	TRIM −6%
35	RDVYFIRST TR EXCHANGE TRADED FD	4,135	$282,338	0.2%	HOLD
36	WBDWARNER BROS DISCOVERY INC	9,945	$273,090	0.2%	HOLD
37	DDOMINION ENERGY INC	4,385	$271,084	0.2%	ADD 8%
38	SCZISHARES TR	3,350	$262,674	0.2%	HOLD
39	IJKISHARES TR	2,560	$257,587	0.2%	HOLD
40	JNJJOHNSON & JOHNSON	1,050	$256,662	0.2%	HOLD
41	CMCSACOMCAST CORP NEW	7,969	$228,790	0.1%	HOLD
42	EDCONSOLIDATED EDISON INC	1,847	$209,043	0.1%	NEW
43	VXUSVANGUARD STAR FDS	2,631	$202,876	0.1%	NEW

Position trends· top 15 holdings · shares held over 6 quarters

green added · red trimmed

Security

2024-Q4

2025-Q1

2025-Q2

2025-Q3

2025-Q4

2026-Q1

Latest value

VUGVANGUARD INDEX FDS

113K

110K

111K

109K

107K

106K

$46M

VTVVANGUARD INDEX FDS

173K

170K

171K

169K

167K

164K

$32M

VOVANGUARD INDEX FDS

52K

51K

50K

$14M

VBRVANGUARD INDEX FDS

54K

53K

$11M

VBVANGUARD INDEX FDS

44K

43K

44K

43K

$11M

VBKVANGUARD INDEX FDS

30K

$9M

VEUVANGUARD INTL EQUITY INDEX F

101K

102K

101K

100K

$8M

VOEVANGUARD INDEX FDS

23K

$4M

VOOVANGUARD INDEX FDS

$4M

VTIVANGUARD INDEX FDS

$3M

VXFVANGUARD INDEX FDS

11K

$2M

VOTVANGUARD INDEX FDS

$2M

BACBANK AMERICA CORP

35K

34K

$2M

MGKVanguard Mega Cap Growth ETF

$2M

VEAVANGUARD TAX-MANAGED FDS

20K

$1M

Shares reported each quarter by the largest current holdings. Green = added vs the prior filing of that name, red = trimmed, grey = roughly held; a dash is a quarter with no 13F on file (a gap is skipped, not read as an exit). 13F is filed up to 45 days after quarter-end. Up to 40 quarters (10 years) available — use the selector above.

Related· where to look next

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Also hold VUG13F · 2026-Q1

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UBS Group AG$2.7B

all 2,702 VUG holders →

Firm lineageForm ADV + cited

Where this firm's principals came from and which firms its alumni went on to found.

family tree & personnel →

joins filed 13F data only — no style, strategy or performance similarity is claimed · 13F 2026-Q1

Similar managers — filers whose largest reported GICS sector is the same as this book's (Information Technology), ranked by closeness of reported 13F portfolio value (|log AUM ratio|), self excluded. Two things it is NOT: a style/strategy match, and a performance ranking. Sector weights come from the filed long book only, so a filer whose real business is elsewhere (shorts, private, non-13F assets) can still surface.
Also hold VUG — other Section 13(f) filers reporting a long position in this book's largest tickered holding for 2026-Q1. Lagged quarterly filings (up to 45 days after quarter-end); “% of shares out” is omitted where the reported share count can't carry it. % of shares outstanding is not shown for VUG: this is a fund line, and we hold no cover-page share count for it at any quarter — a fund's shares outstanding move with creations and redemptions rather than with issuance and buybacks, and it is not the SEC cover-page count this percentage is defined against. The figure is withheld rather than computed against a count that does not exist. Holder share counts are shown as filed.
Filers outside the free plan's window are shown locked rather than hidden, so the list is never silently short.

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