Pearl Planning LLC — 13F holdings

Pearl Planning LLC reported 61 holdings worth $241M in its 13F filing for Q3 2026, filed October 13, 2026.

Largest positions

1. VOO VANGUARD INDEX FDS — $34.7M (14.4%)
2. AVDE AMERICAN CENTY ETF TR — $30.2M (12.5%)
3. JPIE J P MORGAN EXCHANGE TRADED F — $18.8M (7.8%)
4. FBND FIDELITY MERRIMACK STR TR — $18.0M (7.5%)
5. VO VANGUARD INDEX FDS — $14.8M (6.1%)
6. FRDM EA SERIES TRUST — $11.7M (4.8%)
7. VTV VANGUARD INDEX FDS — $10.9M (4.5%)
8. ESGV VANGUARD WORLD FD — $9.91M (4.1%)
9. DGRO ISHARES TR — $9.73M (4.0%)
10. QQQM INVESCO EXCH TRADED FD TR II — $8.04M (3.3%)