Defined Financial Planning LLC

RIA/Wealth

Defined Financial Planning LLC is a RIA/Wealth based in Bellingham, WA led by James Barber Twining, reporting $1.2B in AUM as of Q3 2025 with 78% ETF concentration and 60% concentrated in top 10 holdings.

CEOJames Barber Twining

Portfolio Value: $118.0M
Positions: 61
Top Holding: SCHG at 12.03%
Last Reported: Q3 2025

Address11 Bellwether Way, Suite 301, Bellingham, WA, 98225-2956, United States

Top Holdings

Largest long holdings in Defined Financial Planning LLC's portfolio (60.2% of total portfolio)

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Holding	Sector	Position	Weight	Traded	Ownership	Owned Since
1 Schwab U.S. Large-Cap Growth SCHG	ETF ETF	$14.2M	12.03%	+$1.4M Bought	— 436.3K shares	Q4 2024 Held for 11 months
2 WisdomTree U.S. Quality Dividend Growth Fund DGRW	ETF ETF	$9.4M	7.99%	-$1.7M Sold	— 105.7K shares	Q4 2024 Held for 11 months
3 JPMorgan U.S. Value Factor JVAL	ETF ETF	$7.5M	6.34%	-$296.2K Sold	— 155.6K shares	Q4 2024 Held for 11 months
4 WisdomTree Dynamic Currency Hedged International Equity DDWM	ETF ETF	$6.9M	5.88%	+$6.7M Bought	— 164.9K shares	Q2 2025 Held for 5 months
5 WisdomTree Yield Enhanced U.S. Aggregate Bond Fund AGGY	ETF ETF	$6.7M	5.71%	+$622.9K Bought	— 152.0K shares	Q4 2024 Held for 11 months
6 Main Sector Rotation SECT	ETF ETF	$6.5M	5.55%	-$865.2K Sold	— 102.7K shares	Q4 2024 Held for 11 months
7 SPDR Portfolio Developed World ex-US ETF SPDW	ETF ETF	$6.0M	5.12%	-$138.9K Sold	— 138.9K shares	Q4 2024 Held for 11 months
8 WisdomTree Emerging Markets ex-State-Owned Enterprises XSOE	ETF ETF	$5.3M	4.47%	-$273.7K Sold	— 136.2K shares	Q4 2024 Held for 11 months
9 WisdomTree U.S. MidCap Dividend DON	ETF ETF	$4.2M	3.60%	+$844.6K Bought	— 81.6K shares	Q4 2024 Held for 11 months
10 WisdomTree U.S. Multifactor Fund USMF	ETF ETF	$4.2M	3.53%	-$1.3M Sold	— 80.3K shares	Q4 2024 Held for 11 months

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Changes

Portfolio activity, position movements, and quarter-over-quarter changes in Defined Financial Planning LLC's latest filing

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Market Value

$118.0M

Prior: $111.3M

Q/Q Change

+5.95%

+$6.6M

Net Flows % of MV

-0.879%

Turnover Ratio

14.02%

New Purchases

5 stocks

$1.9M

Added To

30 stocks

+$13.9M

Sold Out Of

11 stocks

$10.8M

Reduced Holdings

23 stocks

-$6.0M

Increased Positions

Position	Shares Δ	Change
1 SPDR S&P 500 ETF Trust SPY	New	0 → 1.2K +$835.3K
2 ProShares Ultra S&P 500 SSO	New	0 → 4.9K +$558.2K
3 Caterpillar CAT	New	0 → 420.0 +$210.9K
4 Warner Bros. Discovery, Inc. WBD	New	0 → 10.1K +$180.4K
5 TEF Telefonica TEF	New	0 → 18.4K +$92.0K

Decreased Positions

Position	Shares Δ	Change
1 WisdomTree Europe Hedged Equity HEDJ	Sold	77.1K → 0 −$3.7M
2 DXJ WisdomTree Japan Hedged Equity DXJ	Sold	23.8K → 0 −$2.7M
3 BAR GraniteShares Gold Shares BAR	Sold	41.9K → 0 −$1.4M
4 ProShares UltraPro QQQ TQQQ	Sold	10.3K → 0 −$874.1K
5 Texas Instruments TXN	Sold	2.0K → 0 −$426.9K

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Analytics

Portfolio insights and performance metrics for Defined Financial Planning LLC

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Sector Allocation

ETF

78.00%

Technology

10.30%

Communication Services

2.50%

Consumer Cyclical

2.10%

Financial Services

1.50%

Consumer Defensive

1.00%

Healthcare

0.90%

Industrials

0.70%

Energy

0.30%

Utilities

0.20%

Market Cap Distribution

Mega Cap (> $200B)

17.81%

Large Cap ($10B - $200B)

1.51%

Small Cap ($300M - $2B)

0.13%

N/A (ETF or Unknown)

80.56%

Portfolio Concentration

Top 10 Holdings %

60.22%

Top 20 Holdings %

84.86%

Top 50 Holdings %

98.1%

Top 100 Holdings %

100.0%