Essential Planning, LLC.

RIA/Wealth

Essential Planning, LLC. is a RIA/Wealth based in Rancho Santa Fe,, CA led by Andrew Charles Lord, reporting $439.7M in AUM as of Q3 2025 with 93% ETF concentration, 67% concentrated in top 10 holdings, and 20% allocation to BND.

MemberAndrew Charles Lord

Portfolio Value: $290.5M
Positions: 85
Top Holding: BND at 19.54%
Last Reported: Q3 2025

Address16950 Via De Santa Fe, Suite 5060-175, Rancho Santa Fe,, CA, 92067, United States

Top Holdings

Largest long holdings in Essential Planning, LLC.'s portfolio (67.4% of total portfolio)

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Holding	Sector	Position	Weight	Traded	Ownership	Owned Since
1 Vanguard Total Bond Market BND	ETF ETF	$56.8M	19.54%	-$384.9K Sold	— 763.2K shares	Q3 2023 Held for 2y 2m
2 Dimensional US Core Equity Market DFAU	ETF ETF	$56.0M	19.27%	-$2.1M Sold	— 1.2M shares	Q3 2022 Held for 3y 2m
3 Dimensional International Core Equity Market DFAI	ETF ETF	$19.0M	6.54%	-$441.8K Sold	— 522.6K shares	Q3 2022 Held for 3y 2m
4 Vanguard Total Stock Market VTI	ETF ETF	$19.0M	6.53%	+$1.1M Bought	— 57.8K shares	Q3 2022 Held for 3y 2m
5 DFCF Dimensional Core Fixed Income DFCF	ETF ETF	$9.6M	3.31%	-$123.9K Sold	— 224.9K shares	Q4 2022 Held for 2y 11m
6 DFAE Dimensional Emerging Core Equity Market DFAE	ETF ETF	$7.9M	2.73%	-$135.6K Sold	— 251.8K shares	Q4 2022 Held for 2y 11m
7 Eli Lilly LLY	Drug Manufacturers - General Healthcare	$7.4M	2.55%	-$971.3K Sold	0.00% 9.7K shares	Q4 2022 Held for 2y 11m
8 Vanguard Short-Term Bond BSV	ETF ETF	$7.2M	2.48%	+$344.8K Bought	— 91.1K shares	Q4 2022 Held for 2y 11m
9 DFSD Dimensional Short-Duration Fixed Income DFSD	ETF ETF	$6.9M	2.38%	+$1.6M Bought	— 143.4K shares	Q1 2023 Held for 2y 8m
10 VTIP Vanguard Short-Term Inflation-Protected Securities Index Fund VTIP	ETF ETF	$6.1M	2.08%	+$250.6K Bought	— 119.5K shares	Q3 2022 Held for 3y 2m

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Changes

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

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Market Value

$290.5M

Prior: $268.6M

Q/Q Change

+8.15%

+$21.9M

Net Flows % of MV

+3.26%

New Purchases

0 stocks

Added To

31 stocks

+$15.5M

Sold Out Of

0 stocks

Reduced Holdings

31 stocks

-$6.0M

Increased Positions

Position	Shares Δ	Change
1 Vanguard Total International Bond BNDX	+88.18%	12.8K → 24.1K +$558.8K
2 JPLD JPMorgan Limited Duration Bond JPLD	+82.63%	53.1K → 97.0K +$2.3M
3 Fidelity Total Bond FBND	+68.33%	34.0K → 57.3K +$1.1M
4 DCOR Dimensional US Core Equity 1 DCOR	+58.87%	45.0K → 71.5K +$1.9M
5 SPDR S&P 500 ETF Trust SPY	+56.69%	4.6K → 7.3K +$1.7M

Decreased Positions

Position	Shares Δ	Change
1 Nvidia NVDA	-30.77%	2.6K → 1.8K −$150.0K
2 Lowe's Companies LOW	-16.03%	2.2K → 1.8K −$88.0K
3 iShares iBonds Dec 2027 Term Treasury IBTH	-14.6%	31.8K → 27.2K −$104.5K
4 PIMCO 1-5 Year U.S. TIPS Index Fund STPZ	-12.87%	24.0K → 20.9K −$167.3K
5 Vanguard Short-Term Corporate Bond VCSH	-11.62%	7.8K → 6.9K −$72.7K