Oath Planning, LLC

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CIK 2109944

13F portfolio (2026-Q1)

$113M

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

46.9%

Top 10

65.7%

Effective N

17.3

HHI

0.058

This quarter

3 new · 0 exit →

By sector

Unclassified90.7%

Financials3.1%

Information Technology1.9%

Industrials1.6%

Consumer Discretionary1.3%

Energy0.8%

Materials0.3%

Utilities0.2%

Health Care0.2%

By market cap

Unknown90.9%

Large ($10–200B)5.1%

Mega (>$200B)3.9%

By region

Other90.7%

North America9.3%

By industry group GICS — finer than sector

Industry group	Weight	Names
Unclassified	90.66%	54
Banks	2.82%	1
Aerospace & Defense	1.46%	1
Technology Hardware & Equipment	1.06%	2
Specialty Retail	0.88%	3
Semiconductors & Semiconductor Equipment	0.85%	1
Oil, Gas & Consumable Fuels	0.75%	1
Hotels, Restaurants & Leisure	0.37%	1
Metals & Mining	0.26%	1
Insurance	0.25%	1
Utilities	0.23%	1
Pharmaceuticals & Biotechnology	0.22%	1
Machinery	0.18%	1

Top holdings

#	Ticker	Name	Sector	Weight
1	BSV	VANGUARD BD INDEX FDS	Unclassified	11.82%
2	UITB	VICTORY PORTFOLIOS II	Unclassified	11.39%
3	VOO	VANGUARD INDEX FDS	Unclassified	9.86%
4	VBR	VANGUARD INDEX FDS	Unclassified	8.94%
5	AVDV	AMERICAN CENTY ETF TR	Unclassified	4.92%
6	DFAC	DIMENSIONAL ETF TRUST	Unclassified	4.77%
7	FNDF	SCHWAB STRATEGIC TR	Unclassified	4.23%
8	FRDM	EA SERIES TRUST	Unclassified	3.60%
9	VTV	VANGUARD INDEX FDS	Unclassified	3.35%
10	PNC	PNC FINANCIAL SERVICES GROUP, INC.	Financials	2.82%

15/69 names classified · sector 9.3% of weight · industry 9.3% · mkt cap 9.1%; unclassified names shown, never dropped.

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

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

FinancialsPNC, ELV

Information TechnologyNVDA, IBM, AAPL

IndustrialsHEI, CAT

Consumer DiscretionaryWMT, MCD, AMZN, HD

EnergyXOM, EQT

Materials

Utilities

Health Care

UnclassifiedBSV, UITB, VOO, VBR, DFAC · 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: 9.3% 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 9% of book weight classified — the grid is NOT representative of the whole book.

holdings, colored by sector (14 classified)Oath Planning, LLC centroid (Large Core)

FinancialsInformation TechnologyIndustrialsConsumer DiscretionaryEnergyUtilitiesHealth Care

Style box summary for Oath Planning, LLC: centroid Large Core. Heaviest cells: Large Value 4.4%, Large Growth 2.1%, Mid Growth 1.5%.

Classified: 9.1% of book weight (14/69 names) · unclassified 90.9%: BSV, UITB, VOO, VBR, AVDV, DFAC, FNDF, FRDM, VTV, BSVO +45 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· 69 positions (2026-Q1) · largest first · Δ vs 2025-Q4

#	Security	Shares	Value	Weight	Δ QoQ
1	BSVVANGUARD BD INDEX FDS	169,639	$13M	11.8%	ADD 23%
2	UITBVICTORY PORTFOLIOS II	272,765	$13M	11.4%	ADD 23%
3	VOOVANGUARD INDEX FDS	18,576	$11M	9.9%	ADD 20%
4	VBRVANGUARD INDEX FDS	46,294	$10M	8.9%	ADD 23%
5	AVDVAMERICAN CENTY ETF TR	55,417	$6M	4.9%	ADD 7%
6	DFACDIMENSIONAL ETF TRUST	138,197	$5M	4.8%	TRIM −2%
7	FNDFSCHWAB STRATEGIC TR	97,323	$5M	4.2%	ADD 7%
8	FRDMEA SERIES TRUST	74,055	$4M	3.6%	HOLD
9	VTVVANGUARD INDEX FDS	19,224	$4M	3.4%	ADD 20%
10	PNCPNC FINL SVCS GROUP INC	15,267	$3M	2.8%	HOLD
11	BSVOEA SERIES TRUST	107,790	$3M	2.4%	HOLD
12	DBEFDBX ETF TR	51,149	$3M	2.2%	ADD 16%
13	VGITVANGUARD SCOTTSDALE FDS	39,585	$2M	2.1%	ADD 2%
14	HEIHEICO CORP NEW	5,984	$2M	1.5%	TRIM −9%
15	SPYSTATE STR SPDR S&P 500 ETF T	2,492	$2M	1.4%	HOLD
16	XLRESELECT SECTOR SPDR TR	37,399	$2M	1.4%	ADD 16%
17	DFIVDIMENSIONAL ETF TRUST	28,333	$1M	1.3%	HOLD
18	DFUVDIMENSIONAL ETF TRUST	27,601	$1M	1.2%	HOLD
19	GLDSPDR GOLD TR	3,025	$1M	1.2%	ADD 12%
20	SCHFSCHWAB STRATEGIC TR	51,280	$1M	1.1%	HOLD
21	NVDANVIDIA CORPORATION	5,471	$954,233	0.8%	HOLD
22	DISVDIMENSIONAL ETF TRUST	23,304	$919,114	0.8%	TRIM −7%
23	HEI.AHEICO CORP NEW	4,209	$888,429	0.8%	HOLD
24	VUGVANGUARD INDEX FDS	1,942	$848,479	0.8%	ADD 22%
25	XOMEXXON MOBIL CORP	4,994	$847,361	0.8%	HOLD
26	DFEMDIMENSIONAL ETF TRUST	19,830	$685,143	0.6%	TRIM −2%
27	AAPLAPPLE INC	2,403	$609,687	0.5%	ADD 12%
28	IEFAISHARES TR	6,559	$593,779	0.5%	HOLD
29	IBMINTERNATIONAL BUSINESS MACHS	2,402	$582,168	0.5%	HOLD
30	QUALISHARES TR	2,968	$569,355	0.5%	HOLD
31	DFGRDIMENSIONAL ETF TRUST	21,197	$563,427	0.5%	ADD 10%
32	SCHCSCHWAB STRATEGIC TR	11,472	$536,208	0.5%	HOLD
33	WMTWALMART INC	4,260	$529,525	0.5%	HOLD
34	DFAXDIMENSIONAL ETF TRUST	15,479	$525,824	0.5%	TRIM −2%
35	DFICDIMENSIONAL ETF TRUST	13,733	$487,933	0.4%	ADD 6%
36	VTIPVANGUARD MALVERN FDS	9,333	$466,190	0.4%	TRIM −3%
37	AGGISHARES TR	4,434	$440,209	0.4%	HOLD
38	GNRSPDR INDEX SHS FDS	5,861	$437,647	0.4%	HOLD
39	MCDMCDONALDS CORP	1,358	$422,053	0.4%	HOLD
40	DFSDDIMENSIONAL ETF TRUST	8,482	$406,125	0.4%	TRIM −3%
41	DFAUDIMENSIONAL ETF TRUST	8,753	$394,935	0.4%	HOLD
42	SPSMSPDR SERIES TRUST	7,912	$382,308	0.3%	HOLD
43	ITOTISHARES TR	2,640	$376,028	0.3%	HOLD
44	IGSBISHARES TR	7,016	$368,738	0.3%	HOLD
45	XLKSELECT SECTOR SPDR TR	2,771	$368,277	0.3%	HOLD
46	XSVMINVESCO EXCHANGE TRADED FD T	5,975	$360,070	0.3%	TRIM −57%
47	DFATDIMENSIONAL ETF TRUST	5,657	$353,280	0.3%	HOLD
48	DFNMDIMENSIONAL ETF TRUST	7,316	$350,637	0.3%	NEW
49	IWNISHARES TR	1,737	$329,398	0.3%	HOLD
50	IEIISHARES TR	2,774	$328,991	0.3%	HOLD
51	SLVISHARES SILVER TR	4,781	$325,757	0.3%	NEW
52	VOVANGUARD INDEX FDS	1,122	$322,154	0.3%	HOLD
53	VNQVANGUARD INDEX FDS	3,536	$313,607	0.3%	HOLD
54	IVEISHARES TR	1,457	$307,562	0.3%	HOLD
55	WPMWHEATON PRECIOUS METALS CORP	2,199	$288,117	0.3%	HOLD
56	ELVELEVANCE HEALTH INC FORMERLY	965	$282,621	0.3%	HOLD
57	DFSVDIMENSIONAL ETF TRUST	7,679	$269,072	0.2%	HOLD
58	DUHPDIMENSIONAL ETF TRUST	7,117	$261,621	0.2%	ADD 4%
59	OKEONEOK INC NEW	2,867	$259,148	0.2%	HOLD
60	AMZNAMAZON COM INC	1,222	$254,642	0.2%	ADD 3%
61	JNJJOHNSON & JOHNSON	1,033	$252,417	0.2%	HOLD
62	SPYVSPDR SERIES TRUST	4,299	$243,255	0.2%	HOLD
63	XLGINVESCO EXCHANGE TRADED FD T	4,246	$231,646	0.2%	HOLD
64	VTVANGUARD INTL EQUITY INDEX F	1,608	$222,419	0.2%	HOLD
65	DFASDIMENSIONAL ETF TRUST	3,062	$217,800	0.2%	HOLD
66	AVUVAMERICAN CENTY ETF TR	1,906	$210,570	0.2%	TRIM −21%
67	HDHOME DEPOT INC	621	$204,320	0.2%	HOLD
68	CATCATERPILLAR INC	287	$203,567	0.2%	NEW
69	QQQINVESCO QQQ TR	350	$201,827	0.2%	HOLD

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

BSVVANGUARD BD INDEX FDS

—

138K

170K

$13M

UITBVICTORY PORTFOLIOS II

—

222K

273K

$13M

VOOVANGUARD INDEX FDS

—

15K

19K

$11M

VBRVANGUARD INDEX FDS

—

38K

46K

$10M

AVDVAMERICAN CENTY ETF TR

—

52K

55K

$6M

DFACDIMENSIONAL ETF TRUST

—

141K

138K

$5M

FNDFSCHWAB STRATEGIC TR

—

91K

97K

$5M

FRDMEA SERIES TRUST

—

73K

74K

$4M

VTVVANGUARD INDEX FDS

—

16K

19K

$4M

PNCPNC FINL SVCS GROUP INC

—

15K

$3M

BSVOEA SERIES TRUST

—

108K

$3M

DBEFDBX ETF TR

—

44K

51K

$3M

VGITVANGUARD SCOTTSDALE FDS

—

39K

40K

$2M

HEIHEICO CORP NEW

—

$2M

SPYSTATE STR SPDR S&P 500 ETF T

—

$2M

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.

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