Sterling Financial Planning, Inc.
Long book
$337.3M
Q1 2026
Positions
117
Top-10 weight
47%
concentration
Last quarter
+8.8%
SPY +14.8%
Turnover
7%
of book per quarter
Strategy in plain words
auto-generated from filingsSterling Financial Planning, Inc. is a wealth-management firm allocating client money, running a $337.3M US long book across 117 positions.
The portfolio is moderately concentrated (top 10 ≈ 47% of the book). The book barely moves quarter to quarter — a patient, low-turnover holder. Current anchor positions: ISHARES GOLD TRUST, ISHARES S&P MID-CAP 400 VALU, ISHARES S&P SMALL-CAP 600 GR, ISHARES S&P MID-CAP 400 GROW, ISHARES S&P 500 GROWTH ETF.
Over the last 9 quarters its long book ran on average 0.7pp per quarter behind the S&P 500, beating the index in 4 of 9 quarters. Its holdings are mechanical (indexing / client flows), so position changes carry no stock-picking signal.
Implied long-book return vs S&P 500
methodology: positions priced quarterly, no shorts/options Fund long book S&P 500
Q1 2024
+0.4%
Q2 2024
+7.6%
Q3 2024
-1.3%
Q4 2024
-0.0%
Q1 2025
+6.7%
Q2 2025
+7.2%
Q3 2025
+3.3%
Q4 2025
+1.7%
Q1 2026
+8.8%
Sector allocation
Technology 31%
Healthcare 19%
Industrials 13%
Financials 12%
Energy 10%
Consumer discretionary 8%
Utilities 3%
Consumer staples 2%
Long book by quarter
What does Sterling Financial own?
Q1 2026 13F| Company | Sector | Shares | Value | % of book | Change |
|---|---|---|---|---|---|
| AAPL APPLE INC | Technology | 15.7K | $4.0M | 1.2% | -1.1% |
| JNJ JOHNSON & JOHNSON | Healthcare | 9.7K | $2.4M | 0.7% | -5.3% |
| XOM EXXON MOBIL CORP | Energy | 13.0K | $2.2M | 0.7% | -0.3% |
| MSFT MICROSOFT CORP | Technology | 3.3K | $1.2M | 0.4% | -3.7% |
| BRK/B BERKSHIRE HATHAWAY INC-CL B | Financials | 2.3K | $1.1M | 0.3% | Held |
| RTX RTX CORP | Industrials | 5.2K | $1.0M | 0.3% | Held |
| SIGI SELECTIVE INSURANCE GROUP | Financials | 10.9K | $819K | 0.2% | -4.9% |
| GOOGL ALPHABET INC-CL A | Technology | 2.7K | $764K | 0.2% | -1.8% |
| LLY ELI LILLY & CO | Healthcare | 777 | $715K | 0.2% | Held |
| COST COSTCO WHOLESALE CORP | Consumer discretionary | 641 | $639K | 0.2% | +21.9% |
| MMM 3M CO | Healthcare | 4.4K | $634K | 0.2% | Held |
| META META PLATFORMS INC-CLASS A | Technology | 1.0K | $599K | 0.2% | +3.8% |
| JPM JPMORGAN CHASE & CO | Financials | 2.0K | $584K | 0.2% | Held |
| AMZN AMAZON.COM INC | Consumer discretionary | 2.7K | $559K | 0.2% | +2.1% |
| GOOG ALPHABET INC-CL C | Technology | 1.7K | $495K | 0.1% | -3.0% |
| PEP PEPSICO INC | Consumer staples | 3.2K | $493K | 0.1% | +0.1% |
| DE DEERE & CO | Industrials | 862 | $486K | 0.1% | -1.8% |
| PFS PROVIDENT FINANCIAL SERVICES | Financials | 21.7K | $459K | 0.1% | -13.7% |
| ABT ABBOTT LABORATORIES | Healthcare | 4.4K | $449K | 0.1% | New |
| CVX CHEVRON CORP | Energy | 2.0K | $412K | 0.1% | -6.5% |
| PG PROCTER & GAMBLE CO/THE | Other | 2.8K | $406K | 0.1% | -2.2% |
| IBM INTL BUSINESS MACHINES CORP | Technology | 1.7K | $404K | 0.1% | Held |
| GD GENERAL DYNAMICS CORP | Industrials | 1.1K | $386K | 0.1% | +0.4% |
| MRK MERCK & CO. INC. | Healthcare | 3.0K | $363K | 0.1% | Held |
| NVDA NVIDIA CORP | Technology | 1.9K | $332K | 0.1% | Held |
| VZ VERIZON COMMUNICATIONS INC | Communications | 6.3K | $318K | 0.1% | Held |
| LRCX LAM RESEARCH CORP | Industrials | 1.4K | $307K | 0.1% | Held |
| EPD ENTERPRISE PRODUCTS PARTNERS | Utilities | 7.6K | $287K | 0.1% | +0.7% |
| CARR CARRIER GLOBAL CORP | Industrials | 5.0K | $283K | 0.1% | Held |
| HD HOME DEPOT INC | Consumer discretionary | 860 | $283K | 0.1% | +0.4% |
| ABBV ABBVIE INC | Healthcare | 1.3K | $280K | 0.1% | Held |
| MCD MCDONALD'S CORP | Consumer discretionary | 895 | $278K | 0.1% | -5.3% |
| LOW LOWE'S COS INC | Consumer discretionary | 1.2K | $275K | 0.1% | Held |
13F filing history
| Period | Form | Filed | Entries | Reported value | Flags | Source |
|---|---|---|---|---|---|---|
| Q1 2026 | 13F-HR | May 6, 2026 | 117 | $337.3M | canonical | SEC ↗ |
| Q4 2025 | 13F-HR | Jan 27, 2026 | 120 | $331.8M | canonical | SEC ↗ |
| Q3 2025 | 13F-HR | Oct 24, 2025 | 116 | $317.1M | canonical | SEC ↗ |
| Q2 2025 | 13F-HR | Jul 28, 2025 | 116 | $299.3M | canonical | SEC ↗ |
| Q1 2025 | 13F-HR | Apr 29, 2025 | 109 | $275.7M | canonical | SEC ↗ |
| Q4 2024 | 13F-HR | Feb 3, 2025 | 108 | $271.8M | canonical | SEC ↗ |
| Q3 2024 | 13F-HR | Oct 31, 2024 | 108 | $271.2M | canonical | SEC ↗ |
| Q2 2024 | 13F-HR | Jul 30, 2024 | 106 | $246.5M | canonical | SEC ↗ |
| Q1 2024 | 13F-HR | May 6, 2024 | 105 | $246.8M | canonical | SEC ↗ |