Investment Planning Advisors, Inc.

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CIK 2024049

13F portfolio (2026-Q1)

$363M

Positions

107

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 →

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 (2026-Q1)

Holdings

107

Top 5

44.6%

Top 10

69.0%

Effective N

17.4

HHI

0.058

This quarter

15 new · 0 exit →

By sector

Unclassified95.9%

Financials1.0%

Information Technology0.9%

Consumer Discretionary0.9%

Communication Services0.3%

Energy0.3%

Utilities0.2%

Materials0.2%

Other0.4%

By market cap

Unknown95.9%

Mega (>$200B)3.3%

Large ($10–200B)0.9%

Small ($300M–2B)0.0%

By region

Other95.9%

North America4.1%

By industry group GICS — finer than sector

Industry group	Weight	Names
Unclassified	96.12%	79
Specialty Retail	0.58%	4
Technology Hardware & Equipment	0.46%	2
Insurance	0.40%	2
Software & IT Services	0.32%	2
Banks	0.28%	1
Software	0.26%	2
Oil, Gas & Consumable Fuels	0.25%	2
Semiconductors & Semiconductor Equipment	0.20%	1
Utilities	0.20%	1
Chemicals	0.18%	2
Automobiles & Components	0.17%	1
Beverages	0.13%	2
Hotels, Restaurants & Leisure	0.12%	1
Pharmaceuticals & Biotechnology	0.10%	1
Road & Rail	0.08%	1
Machinery	0.07%	1
Commercial Services & Supplies	0.06%	1
Metals & Mining	0.00%	1

Top holdings

#	Ticker	Name	Sector	Weight
1	SPYM	SPDR SERIES TRUST	Unclassified	12.19%
2	MGC	Vanguard Mega Cap ETF	Unclassified	9.89%
3	VCRB	VANGUARD MALVERN FDS	Unclassified	7.78%
4	RWL	Invesco S&P 500 Revenue ETF	Unclassified	7.71%
5	FRDM	EA SERIES TRUST	Unclassified	7.08%
6	VXF	VANGUARD INDEX FDS	Unclassified	6.77%
7	QQQM	INVESCO EXCH TRADED FD TR II	Unclassified	6.44%
8	FBND	FIDELITY TOTAL BOND ETF	Unclassified	4.69%
9	SCHF	SCHWAB STRATEGIC TR	Unclassified	3.50%
10	FLOT	ISHARES TR	Unclassified	2.97%

29/107 names classified · sector 4.1% of weight · industry 3.9% · mkt cap 4.1%; unclassified names shown, never dropped.

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

top 5/sector, rest → “Other” · 8 quarters

Information TechnologyAAPL, MSFT, NVDA, IBM, ORCL

FinancialsWRB, JPM, BRK.B, PGR, V

Consumer DiscretionaryWMT, TSLA, MCD, AMZN, COST · other

Communication ServicesGOOGL, META

Utilities

Consumer StaplesKO, PEP

EnergyXOM, CVX

IndustrialsUPS, CAT

MaterialsPG, LIN, NAK

Health Care

UnclassifiedSPYM, VXF, JPEF, CGUS, MGC · 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: 4.1% 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 4% of book weight classified — the grid is NOT representative of the whole book.

holdings, colored by sector (27 classified)Investment Planning Advisors, Inc. centroid (Large Core)

Information TechnologyConsumer DiscretionaryFinancialsCommunication ServicesEnergyUtilitiesMaterialsIndustrialsConsumer StaplesHealth Care

Style box summary for Investment Planning Advisors, Inc.: centroid Large Core. Heaviest cells: Large Growth 1.8%, Large Value 0.9%, Large Core 0.9%.

Classified: 3.9% of book weight (27/107 names) · unclassified 96.1%: SPYM, MGC, VCRB, RWL, FRDM, VXF, QQQM, FBND, SCHF, FLOT +70 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· 107 positions (2026-Q1) · largest first · Δ vs 2025-Q4

#	Security	Shares	Value	Weight	Δ QoQ
1	SPYMSPDR SERIES TRUST	578,203	$44M	12.2%	ADD 10%
2	MGCVanguard Mega Cap ETF	151,958	$36M	9.9%	ADD 12%
3	VCRBVANGUARD MALVERN FDS	365,078	$28M	7.8%	ADD 26%
4	RWLInvesco S&P 500 Revenue ETF	243,712	$28M	7.7%	ADD 47%
5	FRDMEA SERIES TRUST	470,311	$26M	7.1%	TRIM −16%
6	VXFVANGUARD INDEX FDS	119,471	$25M	6.8%	ADD 12%
7	QQQMINVESCO EXCH TRADED FD TR II	98,485	$23M	6.4%	ADD 55%
8	FBNDFIDELITY TOTAL BOND ETF	373,042	$17M	4.7%	HOLD
9	SCHFSCHWAB STRATEGIC TR	514,295	$13M	3.5%	ADD 61%
10	FLOTISHARES TR	211,765	$11M	3.0%	NEW
11	BSVVANGUARD BD INDEX FDS	122,956	$10M	2.7%	ADD 14%
12	CGCPCAPITAL GRP FIXED INCM ETF T	336,728	$8M	2.1%	HOLD
13	VNQVANGUARD INDEX FDS	59,726	$5M	1.5%	NEW
14	SPGMSPDR INDEX SHS FDS	68,752	$5M	1.4%	ADD 63%
15	XOPSPDR SERIES TRUST	28,402	$5M	1.4%	NEW
16	JPEFJPMorgan Equity Focus - ETF	65,573	$5M	1.3%	ADD 3%
17	FMBFirst Trust Managed Municipal ETF	76,795	$4M	1.1%	ADD 2%
18	SPTMSPDR SERIES TRUST	49,062	$4M	1.1%	HOLD
19	OAKMHARRIS OAKMARK ETF TRUST	121,484	$3M	0.9%	ADD 8%
20	JMUBJPMORGAN MUNICIPAL ETF	58,363	$3M	0.8%	HOLD
21	CGGRCAPITAL GROUP GROWTH ETF	70,747	$3M	0.8%	TRIM −3%
22	VTVANGUARD INTL EQUITY INDEX F	17,543	$2M	0.7%	HOLD
23	SCMBSCHWAB STRATEGIC TR	90,923	$2M	0.6%	ADD 10%
24	SEPISCM TRUST	89,348	$2M	0.6%	ADD 24%
25	JMHIJ P MORGAN EXCHANGE TRADED F	36,871	$2M	0.5%	ADD 6%
26	GPIXGOLDMAN SACHS ETF TR	35,503	$2M	0.5%	ADD 18%
27	IVVISHARES TR	2,505	$2M	0.5%	ADD 3%
28	AAPLAPPLE INC	5,825	$1M	0.4%	ADD 13%
29	CGUSCAPITAL GROUP CORE EQUITY ET	36,626	$1M	0.4%	TRIM −90%
30	MGKVanguard Mega Cap Growth ETF	3,785	$1M	0.4%	HOLD
31	RSPINVESCO EXCHANGE TRADED FD T	7,192	$1M	0.4%	TRIM −91%
32	DFAXDIMENSIONAL ETF TRUST	39,875	$1M	0.4%	ADD 2%
33	CGIECAPITAL GROUP INTERNATIONAL	37,008	$1M	0.3%	HOLD
34	WRBBERKLEY W R CORP	18,402	$1M	0.3%	HOLD
35	MUBISHARES TR	11,129	$1M	0.3%	TRIM −24%
36	VIGVANGUARD SPECIALIZED FUNDS	5,332	$1M	0.3%	TRIM −6%
37	JPMJPMORGAN CHASE & CO	3,497	$1M	0.3%	ADD 21%
38	SPGPInvesco S&P 500 GARP - ETF	9,046	$973,495	0.3%	HOLD
39	BRK.BBERKSHIRE HATHAWAY INC DEL	2,024	$970,076	0.3%	ADD 61%
40	WMTWALMART INC	7,766	$965,208	0.3%	ADD 11%
41	BINCBLACKROCK ETF TRUST II	18,502	$960,787	0.3%	TRIM −92%
42	FTCSFIRST TR EXCHANGE-TRADED FD	9,830	$911,840	0.3%	HOLD
43	SCHXSCHWAB U.S. LARGE-CAP ETF	35,379	$907,120	0.2%	ADD 15%
44	GOOGLALPHABET INC	3,146	$904,538	0.2%	ADD 24%
45	JPIEJ P MORGAN EXCHANGE TRADED F	18,372	$846,406	0.2%	TRIM −8%
46	VTIVANGUARD INDEX FDS	2,620	$840,383	0.2%	HOLD
47	JPSTJ P MORGAN EXCHANGE TRADED F	16,095	$814,588	0.2%	TRIM −14%
48	NVDANVIDIA CORPORATION	4,247	$740,738	0.2%	ADD 30%
49	SOSOUTHERN CO	7,573	$730,983	0.2%	ADD 18%
50	VPUVANGUARD WORLD FD	3,633	$719,744	0.2%	HOLD
51	JEPQJ P MORGAN EXCHANGE TRADED F	12,902	$716,319	0.2%	ADD 8%
52	SUBISHARES TR	6,629	$705,971	0.2%	HOLD
53	ICSHISHARES TR	13,700	$693,483	0.2%	HOLD
54	CGGECAPITAL GROUP GLOBAL EQUITY	22,476	$685,525	0.2%	ADD 13%
55	MSFTMICROSOFT CORP	1,842	$681,746	0.2%	TRIM −20%
56	CGGOCAPITAL GROUP GBL GROWTH EQT	20,270	$676,418	0.2%	HOLD
57	SPMDSPDR SERIES TRUST	10,724	$635,047	0.2%	HOLD
58	SPSMSPDR SERIES TRUST	13,073	$631,705	0.2%	ADD 5%
59	XOMEXXON MOBIL CORP	3,670	$622,639	0.2%	ADD 25%
60	TSLATESLA INC	1,629	$605,583	0.2%	TRIM −3%
61	VOVANGUARD INDEX FDS	1,915	$549,806	0.2%	ADD 3%
62	AMLPALPS ETF TR	9,365	$492,974	0.1%	HOLD
63	PFFISHARES TR	15,926	$482,876	0.1%	ADD 2%
64	CSBVICTORY PORTFOLIOS II	7,743	$478,150	0.1%	HOLD
65	XLVSELECT SECTOR SPDR TR	3,093	$453,423	0.1%	ADD 16%
66	CGXUCapital Group International Focus - ETF	14,719	$434,063	0.1%	HOLD
67	VBVANGUARD INDEX FDS	1,643	$430,318	0.1%	ADD 3%
68	VHTVANGUARD WORLD FD	1,576	$429,200	0.1%	ADD 57%
69	MCDMCDONALDS CORP	1,377	$428,062	0.1%	ADD 29%
70	QUALISHARES TR	2,195	$421,079	0.1%	TRIM −5%
71	LINLINDE PLC	847	$420,024	0.1%	NEW
72	SCHZSCHWAB STRATEGIC TR	18,070	$419,585	0.1%	TRIM −15%
73	AMZNAMAZON COM INC	1,994	$415,282	0.1%	ADD 43%
74	DGROISHARES CORE DIVIDEND GROWTH ETF	5,839	$409,751	0.1%	ADD 6%
75	SRLNSSGA ACTIVE ETF TR	9,860	$395,780	0.1%	ADD 6%
76	COSTCOSTCO WHSL CORP NEW	388	$386,122	0.1%	ADD 49%
77	JNJJOHNSON & JOHNSON	1,545	$377,625	0.1%	ADD 27%
78	CGMSCAPITAL GRP FIXED INCM ETF T	13,329	$362,949	0.1%	TRIM −27%
79	HDHOME DEPOT INC	1,031	$339,137	0.1%	ADD 33%
80	XLKSELECT SECTOR SPDR TR	2,545	$338,262	0.1%	ADD 16%
81	XRNPXCOHEN & STEERS REIT & PFD &	17,014	$336,197	0.1%	HOLD
82	IEFISHARES TR	3,357	$320,350	0.1%	ADD 60%
83	SPABSPDR SERIES TRUST	12,462	$319,276	0.1%	TRIM −4%
84	SCHGSCHWAB U.S. LARGE-CAP GROWTH ETF	10,522	$306,517	0.1%	ADD 28%
85	UPSUNITED PARCEL SERVICE INC	3,071	$302,156	0.1%	ADD 14%
86	CVXCHEVRON CORP NEW	1,412	$292,111	0.1%	NEW
87	VYMVANGUARD WHITEHALL FDS	1,906	$282,279	0.1%	HOLD
88	FNDXSCHWAB STRATEGIC TR	9,992	$278,277	0.1%	NEW
89	JQUAJ P MORGAN EXCHANGE TRADED F	4,519	$277,109	0.1%	TRIM −47%
90	TFISPDR SERIES TRUST	6,075	$275,441	0.1%	ADD 17%
91	KOCOCA COLA CO	3,479	$264,549	0.1%	TRIM −3%
92	HELOJPMorgan Hedged Equity Laddered Overly ETF	4,094	$261,665	0.1%	HOLD
93	METAMETA PLATFORMS INC	455	$260,076	0.1%	NEW
94	PGPROCTER AND GAMBLE CO	1,715	$247,734	0.1%	ADD 11%
95	ORCLORACLE CORP	1,677	$246,630	0.1%	ADD 54%
96	CATCATERPILLAR INC	346	$245,231	0.1%	NEW
97	PGRPROGRESSIVE CORP	1,233	$244,499	0.1%	NEW
98	VISVANGUARD WORLD FD	752	$234,818	0.1%	NEW
99	LGLVSPDR SERIES TRUST	1,300	$231,530	0.1%	HOLD
100	ITAIShares U.S. Aerospace & Defense ETF	1,054	$230,526	0.1%	NEW
101	SCHASCHWAB STRATEGIC TR	7,637	$222,089	0.1%	ADD 6%
102	PEPPEPSICO INC	1,411	$219,185	0.1%	NEW
103	XLESELECT SECTOR SPDR TR	3,520	$215,637	0.1%	NEW
104	IBMINTERNATIONAL BUSINESS MACHS	844	$204,462	0.1%	HOLD
105	VVISA INC	674	$203,642	0.1%	NEW
106	QNCQUANTUM EMOTION CORP	48,058	$110,053	0.0%	NEW
107	NAKNORTHERN DYNASTY MINERALS LT	11,940	$16,716	0.0%	TRIM −11%

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

SPYMSPDR SERIES TRUST

296K

370K

400K

517K

524K

578K

$44M

MGCVanguard Mega Cap ETF

—

137K

136K

152K

$36M

VCRBVANGUARD MALVERN FDS

—

275K

291K

365K

$28M

RWLInvesco S&P 500 Revenue ETF

141K

22K

24K

162K

166K

244K

$28M

FRDMEA SERIES TRUST

186K

200K

416K

504K

559K

470K

$26M

VXFVANGUARD INDEX FDS

37K

127K

153K

164K

107K

119K

$25M

QQQMINVESCO EXCH TRADED FD TR II

60K

65K

—

72K

64K

98K

$23M

FBNDFIDELITY TOTAL BOND ETF

225K

224K

483K

355K

370K

373K

$17M

SCHFSCHWAB STRATEGIC TR

—

284K

318K

514K

$13M

FLOTISHARES TR

—

212K

$11M

BSVVANGUARD BD INDEX FDS

62K

28K

93K

101K

108K

123K

$10M

CGCPCAPITAL GRP FIXED INCM ETF T

886K

866K

841K

228K

333K

337K

$8M

VNQVANGUARD INDEX FDS

—

60K

$5M

SPGMSPDR INDEX SHS FDS

25K

97K

41K

42K

69K

$5M

XOPSPDR SERIES TRUST

—

28K

$5M

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.

☆Investment Planning Advisors, Inc.