PLANNING DIRECTIONS INC

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CIK 821103

13F portfolio (2026-Q1)

$198M

Positions

106

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

106

Top 5

39.0%

Top 10

56.6%

Effective N

22.8

HHI

0.044

This quarter

9 new · 0 exit →

By sector

Unclassified85.6%

Information Technology9.1%

Consumer Discretionary1.7%

Financials0.9%

Industrials0.8%

Utilities0.6%

Energy0.4%

Health Care0.3%

Other0.6%

By market cap

Unknown85.6%

Mega (>$200B)11.4%

Large ($10–200B)2.5%

Mid ($2–10B)0.3%

Small ($300M–2B)0.2%

By region

Other85.6%

North America14.4%

By industry group GICS — finer than sector

Industry group	Weight	Names
Unclassified	85.81%	71
Technology Hardware & Equipment	6.36%	5
Semiconductors & Semiconductor Equipment	1.96%	2
Specialty Retail	1.51%	5
Software	0.79%	2
Banks	0.74%	4
Utilities	0.61%	3
Machinery	0.37%	2
Oil, Gas & Consumable Fuels	0.36%	1
Aerospace & Defense	0.25%	2
Software & IT Services	0.25%	1
Hotels, Restaurants & Leisure	0.22%	1
Pharmaceuticals & Biotechnology	0.17%	2
Health Care Providers & Services	0.13%	1
Road & Rail	0.13%	1
Beverages	0.13%	1
Chemicals	0.11%	1
Equity Real Estate Investment Trusts (REITs)	0.09%	1

Top holdings

#	Ticker	Name	Sector	Weight
1	IVE	ISHARES TR	Unclassified	11.32%
2	SCHD	SCHWAB STRATEGIC TR	Unclassified	7.53%
3	VIG	VANGUARD SPECIALIZED FUNDS	Unclassified	7.51%
4	UITB	VICTORY PORTFOLIOS II	Unclassified	7.11%
5	AAPL	Apple Inc.	Information Technology	5.50%
6	JPIE	J P MORGAN EXCHANGE TRADED F	Unclassified	5.36%
7	MGV	VANGUARD WORLD FD	Unclassified	3.26%
8	BSV	VANGUARD BD INDEX FDS	Unclassified	3.24%
9	FLDR	FIDELITY MERRIMACK STR TR	Unclassified	3.04%
10	VT	VANGUARD INTL EQUITY INDEX F	Unclassified	2.70%

36/106 names classified · sector 14.4% of weight · industry 14.2% · mkt cap 14.4%; unclassified names shown, never dropped.

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

top 5/sector, rest → “Other” · 33 quarters

Information TechnologyAAPL, NVDA, INTC, QCOM, CSCO · other

Consumer DiscretionaryAMZN, HD, LOW, WMT, TGT · other

Consumer StaplesSTZ, PEP, PM, DEO, CVS · other

IndustrialsBA, DE, SWK, FISV, RTX · other

Communication ServicesCMCSA, DIS, GOOGL, META, VZ · other

Health CarePFE, CRMD, JNJ, ABBV, MRK · other

FinancialsBRK.B, MA, JPM, PNC, UNH · other

Energy

MaterialsPG, NKE, ECL

UtilitiesWTRG, CEG, EXC, NEE, PEG

Real EstateWPC, AGNC, O, PSA

UnclassifiedBSV, SCHD, VIG, IVE, QUAL · 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: 14.4% 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 14% of book weight classified — the grid is NOT representative of the whole book.

holdings, colored by sector (32 classified)PLANNING DIRECTIONS INC centroid (Large Growth)

Information TechnologyConsumer DiscretionaryFinancialsIndustrialsUtilitiesEnergyHealth CareCommunication ServicesConsumer StaplesMaterials

Style box summary for PLANNING DIRECTIONS INC: centroid Large Growth. Heaviest cells: Large Growth 10.2%, Large Value 1.6%, Large Core 1.0%.

Classified: 13.6% of book weight (32/106 names) · unclassified 86.4%: IVE, SCHD, VIG, UITB, JPIE, MGV, BSV, FLDR, VT, VOT +64 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· 106 positions (2026-Q1) · largest first · Δ vs 2025-Q4

#	Security	Shares	Value	Weight	Δ QoQ
1	IVEISHARES TR	105,962	$22M	11.3%	NEW
2	SCHDSCHWAB STRATEGIC TR	485,048	$15M	7.5%	TRIM −64%
3	VIGVANGUARD SPECIALIZED FUNDS	69,009	$15M	7.5%	HOLD
4	UITBVICTORY PORTFOLIOS II	298,691	$14M	7.1%	ADD 6%
5	AAPLAPPLE INC	42,845	$11M	5.5%	HOLD
6	JPIEJ P MORGAN EXCHANGE TRADED F	229,934	$11M	5.4%	NEW
7	MGVVANGUARD WORLD FD	44,376	$6M	3.3%	ADD 3%
8	BSVVANGUARD BD INDEX FDS	81,713	$6M	3.2%	TRIM −62%
9	FLDRFIDELITY MERRIMACK STR TR	119,909	$6M	3.0%	ADD 6%
10	VTVANGUARD INTL EQUITY INDEX F	38,584	$5M	2.7%	TRIM −3%
11	VOTVANGUARD INDEX FDS	20,690	$5M	2.7%	ADD 3%
12	IJRISHARES TR	37,635	$5M	2.4%	TRIM −37%
13	ISTBISHARES TR	95,634	$5M	2.3%	NEW
14	VUGVANGUARD INDEX FDS	10,240	$4M	2.3%	TRIM −4%
15	VCSHVANGUARD SCOTTSDALE FDS	52,859	$4M	2.1%	TRIM −17%
16	JEPIJPMorgan Equity Premium Income ETF	61,915	$4M	1.8%	ADD 10%
17	NVDANVIDIA CORPORATION	15,844	$3M	1.4%	ADD 2%
18	JEPQJ P MORGAN EXCHANGE TRADED F	49,190	$3M	1.4%	ADD 8%
19	SDYSPDR SER TR	17,873	$3M	1.3%	HOLD
20	IUSGISHARES TR	14,862	$2M	1.2%	HOLD
21	NEARISHARES U S ETF TR	41,769	$2M	1.1%	ADD 29%
22	VTVVANGUARD INDEX FDS	10,110	$2M	1.0%	ADD 10%
23	VOVANGUARD INDEX FDS	6,350	$2M	0.9%	TRIM −11%
24	JIREJ P MORGAN EXCHANGE TRADED F	19,687	$1M	0.8%	ADD 13%
25	SHYGISHARES TR	34,459	$1M	0.7%	TRIM −73%
26	VOOVANGUARD INDEX FDS	2,332	$1M	0.7%	HOLD
27	ACWVISHARES INC	11,406	$1M	0.7%	HOLD
28	AMZNAMAZON COM INC	6,528	$1M	0.7%	HOLD
29	VBRVANGUARD INDEX FDS	6,139	$1M	0.7%	TRIM −7%
30	XLPSELECT SECTOR SPDR TR	15,687	$1M	0.7%	HOLD
31	MSFTMICROSOFT CORP	3,451	$1M	0.6%	ADD 20%
32	VOEVANGUARD INDEX FDS	6,922	$1M	0.6%	TRIM −3%
33	AMATAPPLIED MATLS INC	3,256	$1M	0.6%	HOLD
34	JMUBJPMORGAN MUNICIPAL ETF	20,066	$1M	0.5%	HOLD
35	IYJISHARES TR	6,771	$999,063	0.5%	TRIM −2%
36	VHTVANGUARD WORLD FD	2,993	$814,999	0.4%	TRIM −3%
37	XARSPDR SERIES TRUST	3,172	$805,638	0.4%	HOLD
38	VBVANGUARD INDEX FDS	2,850	$746,356	0.4%	TRIM −4%
39	WMTWALMART INC	5,897	$732,874	0.4%	ADD 6%
40	VCITVANGUARD SCOTTSDALE FDS	8,773	$726,001	0.4%	ADD 37%
41	ITAIShares U.S. Aerospace & Defense ETF	3,262	$713,472	0.4%	ADD 86%
42	XOMEXXON MOBIL CORP	4,196	$711,840	0.4%	HOLD
43	CEGCONSTELLATION ENERGY CORP	2,547	$711,261	0.4%	ADD 12%
44	COHRCOHERENT CORP	2,900	$690,809	0.3%	ADD 4%
45	RSPSINVESCO EXCHANGE TRADED FD T	21,610	$637,482	0.3%	TRIM −6%
46	VTEBVANGUARD MUN BD FDS	12,640	$630,586	0.3%	TRIM −32%
47	COINCOINBASE GLOBAL INC	3,528	$616,024	0.3%	ADD 3%
48	XLUSELECT SECTOR SPDR TR	12,914	$592,627	0.3%	ADD 4%
49	IWDISHARES TR	2,756	$588,975	0.3%	NEW
50	IYHISHARES TR	8,792	$541,929	0.3%	TRIM −12%
51	GOOGLALPHABET INC	1,685	$484,558	0.2%	TRIM −3%
52	VXUSVANGUARD STAR FDS	6,158	$474,846	0.2%	HOLD
53	USMVISHARES TR	4,730	$438,690	0.2%	HOLD
54	MCDMCDONALDS CORP	1,383	$429,825	0.2%	HOLD
55	WSFSWSFS FINL CORP	6,525	$427,143	0.2%	ADD 5%
56	FVDFIRST TR EXCHANGE-TRADED FD	8,966	$421,674	0.2%	HOLD
57	VBKVANGUARD INDEX FDS	1,358	$410,437	0.2%	HOLD
58	SPYSTATE STR SPDR S&P 500 ETF T	626	$407,323	0.2%	TRIM −5%
59	DEDEERE & CO	716	$403,381	0.2%	HOLD
60	DELLDELL TECHNOLOGIES INC	2,448	$401,846	0.2%	HOLD
61	VIGIVanguard Whitehall Int'l Div. Apprec. ETF	4,479	$396,176	0.2%	ADD 69%
62	IWSISHARES TR	2,712	$395,308	0.2%	ADD 7%
63	SCHASCHWAB STRATEGIC TR	13,305	$386,918	0.2%	HOLD
64	IYCISHARES TR	3,982	$385,978	0.2%	HOLD
65	VWOVANGUARD INTL EQUITY INDEX F	7,115	$384,562	0.2%	ADD 40%
66	MGKVanguard Mega Cap Growth ETF	1,031	$378,659	0.2%	ADD 16%
67	VUSBVANGUARD BD INDEX FDS	7,290	$362,943	0.2%	HOLD
68	BRK.BBERKSHIRE HATHAWAY INC DEL	744	$356,525	0.2%	ADD 42%
69	PAVEGLOBAL X FDS	6,992	$355,288	0.2%	HOLD
70	PANWPALO ALTO NETWORKS INC	2,150	$344,688	0.2%	HOLD
71	USTBVICTORY PORTFOLIOS II	6,692	$338,502	0.2%	TRIM −4%
72	CATCATERPILLAR INC	472	$334,231	0.2%	HOLD
73	COSTCOSTCO WHSL CORP NEW	335	$333,482	0.2%	HOLD
74	IYWISHARES TR	1,830	$331,921	0.2%	TRIM −30%
75	VYMVANGUARD WHITEHALL FDS	2,124	$314,536	0.2%	ADD 3%
76	PPAINVESCO EXCHANGE TRADED FD T	1,809	$299,738	0.2%	NEW
77	BIVVANGUARD BD INDEX FDS	3,777	$291,499	0.1%	HOLD
78	BABOEING CO	1,455	$289,665	0.1%	HOLD
79	FIGBFIDELITY MERRIMACK STR TR	6,646	$286,055	0.1%	HOLD
80	NEENEXTERA ENERGY INC	3,077	$285,838	0.1%	HOLD
81	FDVVFIDELITY COVINGTON TRUST	5,144	$284,140	0.1%	HOLD
82	LOWLOWES COS INC	1,196	$282,644	0.1%	HOLD
83	XPAYROUNDHILL ETF TRUST	5,752	$280,604	0.1%	ADD 35%
84	PLTRPALANTIR TECHNOLOGIES INC	1,903	$278,371	0.1%	ADD 29%
85	HDHOME DEPOT INC	844	$277,568	0.1%	TRIM −11%
86	HCAHCA HEALTHCARE INC	558	$263,902	0.1%	HOLD
87	DGROISHARES CORE DIVIDEND GROWTH ETF	3,742	$262,615	0.1%	ADD 5%
88	NSCNORFOLK SOUTHN CORP	903	$259,218	0.1%	HOLD
89	IBMINTERNATIONAL BUSINESS MACHS	1,056	$256,069	0.1%	HOLD
90	ITOTISHARES TR	1,796	$255,781	0.1%	TRIM −5%
91	PEPPEPSICO INC	1,612	$250,289	0.1%	HOLD
92	IJHISHARES TR	3,333	$225,061	0.1%	NEW
93	PGPROCTER AND GAMBLE CO	1,558	$225,048	0.1%	TRIM −3%
94	EFAVISHARES TR	2,428	$221,847	0.1%	TRIM −14%
95	VGTVANGUARD WORLD FD	315	$219,762	0.1%	HOLD
96	TBUXT ROWE PRICE ETF INC	4,374	$217,621	0.1%	HOLD
97	EXCEXELON CORP	4,420	$216,662	0.1%	NEW
98	JPLDJ P MORGAN EXCHANGE TRADED F	4,145	$216,340	0.1%	HOLD
99	ACNBACNB CORP	4,433	$212,208	0.1%	HOLD
100	RSPUINVESCO EXCHANGE TRADED FD T	2,602	$211,064	0.1%	TRIM −10%
101	JPMJPMORGAN CHASE & CO	708	$208,336	0.1%	HOLD
102	JNJJOHNSON & JOHNSON	850	$207,756	0.1%	NEW
103	LOARLOAR HOLDINGS INC	3,572	$204,640	0.1%	NEW
104	AGNCAGNC Investment Corp	17,481	$175,336	0.1%	ADD 40%
105	CRMDCORMEDIX INC	20,000	$135,800	0.1%	HOLD
106	CAPITAL SOUTHWEST CORP	50,000	$51,277	0.0%	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

IVEISHARES TR

—

106K

$22M

SCHDSCHWAB STRATEGIC TR

1.2M

1.3M

1.4M

1.3M

485K

$15M

VIGVANGUARD SPECIALIZED FUNDS

75K

71K

68K

69K

$15M

UITBVICTORY PORTFOLIOS II

217K

229K

227K

241K

281K

299K

$14M

AAPLAPPLE INC

43K

44K

43K

$11M

JPIEJ P MORGAN EXCHANGE TRADED F

—

230K

$11M

MGVVANGUARD WORLD FD

50K

47K

44K

43K

44K

$6M

BSVVANGUARD BD INDEX FDS

253K

197K

194K

193K

213K

82K

$6M

FLDRFIDELITY MERRIMACK STR TR

81K

99K

115K

119K

114K

120K

$6M

VTVANGUARD INTL EQUITY INDEX F

41K

43K

40K

41K

40K

39K

$5M

VOTVANGUARD INDEX FDS

17K

18K

19K

20K

21K

$5M

IJRISHARES TR

41K

49K

52K

53K

60K

38K

$5M

ISTBISHARES TR

—

96K

$5M

VUGVANGUARD INDEX FDS

13K

15K

12K

11K

10K

$4M

VCSHVANGUARD SCOTTSDALE FDS

75K

71K

66K

68K

64K

53K

$4M

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.

☆PLANNING DIRECTIONS INC