Pearl Planning LLC

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CIK 2100519

13F portfolio (2026-Q1)

$187M

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

49.2%

Top 10

72.5%

Effective N

15.1

HHI

0.066

This quarter

2 new · 0 exit →

By sector

Unclassified97.8%

Information Technology1.4%

Communication Services0.3%

Industrials0.2%

Financials0.1%

Consumer Discretionary0.1%

By market cap

Unknown97.8%

Mega (>$200B)2.0%

Large ($10–200B)0.2%

By region

Other97.8%

North America2.2%

By industry group GICS — finer than sector

Industry group	Weight	Names
Unclassified	97.79%	41
Technology Hardware & Equipment	0.69%	2
Software	0.45%	2
Software & IT Services	0.34%	2
Semiconductors & Semiconductor Equipment	0.27%	2
Commercial Services & Supplies	0.22%	1
Banks	0.13%	1
Specialty Retail	0.12%	1

Top holdings

#	Ticker	Name	Sector	Weight
1	VOO	VANGUARD INDEX FDS	Unclassified	13.64%
2	AVDE	AMERICAN CENTY ETF TR	Unclassified	10.48%
3	JPIE	J P MORGAN EXCHANGE TRADED F	Unclassified	8.82%
4	FBND	FIDELITY TOTAL BOND ETF	Unclassified	8.56%
5	VTV	VANGUARD INDEX FDS	Unclassified	7.68%
6	VO	VANGUARD INDEX FDS	Unclassified	6.78%
7	FRDM	EA SERIES TRUST	Unclassified	5.15%
8	DGRO	ISHARES CORE DIVIDEND GROWTH ETF	Unclassified	4.00%
9	AVUV	AMERICAN CENTY ETF TR	Unclassified	3.86%
10	ESGV	Vanguard ESG US Stock - ETF	Unclassified	3.52%

11/52 names classified · sector 2.2% of weight · industry 2.2% · mkt cap 2.2%; unclassified names shown, never dropped.

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

top 5/sector, rest → “Other” · 2 quarters

Information TechnologyIBM, AAPL, ORCL, MSFT, NVDA · other

Communication ServicesMETA, GOOGL, GOOG

Industrials

Financials

Consumer Discretionary

UnclassifiedVOO, AVDE, BND, JPIE, FBND · 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: 2.2% 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 2% of book weight classified — the grid is NOT representative of the whole book.

holdings, colored by sector (11 classified)Pearl Planning LLC centroid (Large Growth)

Information TechnologyCommunication ServicesIndustrialsFinancialsConsumer Discretionary

Style box summary for Pearl Planning LLC: centroid Large Growth. Heaviest cells: Large Growth 1.2%, Large Core 0.8%, Mid Growth 0.2%.

Classified: 2.2% of book weight (11/52 names) · unclassified 97.8%: VOO, AVDE, JPIE, FBND, VTV, VO, FRDM, DGRO, AVUV, ESGV +31 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· 52 positions (2026-Q1) · largest first · Δ vs 2025-Q4

#	Security	Shares	Value	Weight	Δ QoQ
1	VOOVANGUARD INDEX FDS	42,723	$26M	13.6%	ADD 5%
2	AVDEAMERICAN CENTY ETF TR	231,116	$20M	10.5%	ADD 11%
3	JPIEJ P MORGAN EXCHANGE TRADED F	358,146	$16M	8.8%	NEW
4	FBNDFIDELITY TOTAL BOND ETF	351,175	$16M	8.6%	NEW
5	VTVVANGUARD INDEX FDS	73,197	$14M	7.7%	HOLD
6	VOVANGUARD INDEX FDS	44,153	$13M	6.8%	ADD 6%
7	FRDMEA SERIES TRUST	176,261	$10M	5.1%	TRIM −4%
8	DGROISHARES CORE DIVIDEND GROWTH ETF	106,525	$7M	4.0%	ADD 5%
9	AVUVAMERICAN CENTY ETF TR	65,339	$7M	3.9%	ADD 2%
10	ESGVVanguard ESG US Stock - ETF	58,628	$7M	3.5%	ADD 3%
11	BOXXEA SERIES TRUST	50,006	$6M	3.1%	HOLD
12	QQQMINVESCO EXCH TRADED FD TR II	21,086	$5M	2.7%	ADD 4%
13	TMSLT ROWE PRICE ETF INC	120,078	$4M	2.4%	ADD 5%
14	BSVVANGUARD BD INDEX FDS	39,551	$3M	1.7%	ADD 21%
15	BILSPDR SERIES TRUST	33,709	$3M	1.7%	TRIM −2%
16	QQQINVESCO QQQ TR	4,990	$3M	1.5%	HOLD
17	VCEBVANGUARD WORLD FD	41,504	$3M	1.4%	ADD 15%
18	QQMGINVESCO EXCH TRADED FD TR II	56,942	$2M	1.2%	ADD 8%
19	BNDVANGUARD BD INDEX FDS	27,663	$2M	1.1%	TRIM −86%
20	ESMLISHARES TR	43,298	$2M	1.1%	ADD 3%
21	MUBISHARES TR	17,134	$2M	1.0%	HOLD
22	BIVVANGUARD BD INDEX FDS	15,069	$1M	0.6%	HOLD
23	QUALISHARES TR	5,678	$1M	0.6%	TRIM −6%
24	IDMOINVESCO EXCH TRADED FD TR II	16,808	$921,771	0.5%	ADD 6%
25	VBVANGUARD INDEX FDS	3,442	$901,529	0.5%	HOLD
26	IVVISHARES TR	1,352	$883,292	0.5%	HOLD
27	VEAVANGUARD TAX-MANAGED FDS	12,077	$773,925	0.4%	HOLD
28	AGGISHARES TR	7,427	$737,278	0.4%	TRIM −2%
29	AVSCAMERICAN CENTY ETF TR	11,305	$704,302	0.4%	ADD 4%
30	XMHQINVESCO EXCHANGE TRADED FD T	6,780	$700,821	0.4%	TRIM −29%
31	IJHISHARES TR	10,188	$687,996	0.4%	HOLD
32	IBMINTERNATIONAL BUSINESS MACHS	2,754	$667,542	0.4%	TRIM −7%
33	AAPLAPPLE INC	2,471	$627,115	0.3%	HOLD
34	IWFISHARES TR	1,418	$604,712	0.3%	HOLD
35	IEFAISHARES TR	5,587	$505,791	0.3%	HOLD
36	ILCVISHARES TR	5,279	$491,686	0.3%	HOLD
37	ORCLORACLE CORP	3,023	$444,714	0.2%	HOLD
38	METAMETA PLATFORMS INC	732	$418,799	0.2%	TRIM −11%
39	RSGREPUBLIC SVCS INC	1,869	$409,348	0.2%	HOLD
40	MSFTMICROSOFT CORP	1,085	$401,634	0.2%	TRIM −2%
41	VOTETCW ETF TRUST	4,761	$363,280	0.2%	HOLD
42	ISTBISHARES TR	6,883	$333,550	0.2%	HOLD
43	VBRVANGUARD INDEX FDS	1,490	$323,703	0.2%	HOLD
44	FEOERBB FUND TRUST	6,306	$318,201	0.2%	HOLD
45	XLKSELECT SECTOR SPDR TR	2,232	$296,633	0.2%	HOLD
46	NVDANVIDIA CORPORATION	1,664	$290,202	0.2%	HOLD
47	VTIVANGUARD INDEX FDS	808	$259,271	0.1%	TRIM −2%
48	ESGUISHARES TR	1,732	$244,939	0.1%	HOLD
49	JPMJPMORGAN CHASE & CO	809	$237,975	0.1%	HOLD
50	AMZNAMAZON COM INC	1,070	$222,849	0.1%	TRIM −8%
51	AVGOBROADCOM INC	674	$208,610	0.1%	HOLD
52	GOOGLALPHABET INC	725	$208,481	0.1%	TRIM −3%

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

VOOVANGUARD INDEX FDS

—

41K

43K

$26M

AVDEAMERICAN CENTY ETF TR

—

208K

231K

$20M

JPIEJ P MORGAN EXCHANGE TRADED F

—

358K

$16M

FBNDFIDELITY TOTAL BOND ETF

—

351K

$16M

VTVVANGUARD INDEX FDS

—

73K

$14M

VOVANGUARD INDEX FDS

—

42K

44K

$13M

FRDMEA SERIES TRUST

—

183K

176K

$10M

DGROISHARES CORE DIVIDEND GROWTH ETF

—

102K

107K

$7M

AVUVAMERICAN CENTY ETF TR

—

64K

65K

$7M

ESGVVanguard ESG US Stock - ETF

—

57K

59K

$7M

BOXXEA SERIES TRUST

—

49K

50K

$6M

QQQMINVESCO EXCH TRADED FD TR II

—

20K

21K

$5M

TMSLT ROWE PRICE ETF INC

—

115K

120K

$4M

BSVVANGUARD BD INDEX FDS

—

33K

40K

$3M

BILSPDR SERIES TRUST

—

35K

34K

$3M

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.

☆Pearl Planning LLC