Investments & Financial Planning, LLC

RIA/Wealth

Investments & Financial Planning, LLC is a RIA/Wealth based in Bellingham, WA led by David Brian Short, reporting $278.4M in AUM as of Q3 2025 with 95% ETF concentration, 90% concentrated in top 10 holdings, and 21% allocation to VB.

Managing PartnerDavid Brian Short

Portfolio Value: $185.1M
Positions: 37
Top Holding: VB at 20.99%
Last Reported: Q3 2025

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

Top Holdings

Largest long holdings in Investments & Financial Planning, LLC's portfolio (89.7% of total portfolio)

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GthenH

Holding	Sector	Position	Weight	Traded	Ownership	Owned Since
1 Vanguard Small-Cap ETF VB	ETF ETF	$38.8M	20.99%	-$941.9K Sold	— 152.8K shares	Q4 2022 Held for 2y 11m
2 SPDR Portfolio S&P 500 Growth ETF SPYG	ETF ETF	$38.7M	20.88%	-$435.7K Sold	— 369.9K shares	Q4 2022 Held for 2y 11m
3 iShares Core S&P Mid-Cap ETF IJH	ETF ETF	$26.6M	14.36%	+$152.6K Bought	— 407.3K shares	Q4 2022 Held for 2y 11m
4 Vanguard Mid-Cap Fund VO	ETF ETF	$17.2M	9.30%	-$52.3K Sold	— 58.6K shares	Q4 2022 Held for 2y 11m
5 Capital Group Growth CGGR	ETF ETF	$11.7M	6.30%	+$104.4K Bought	— 265.5K shares	Q4 2022 Held for 2y 11m
6 iShares MSCI World URTH	ETF ETF	$10.0M	5.39%	+$80.4K Bought	— 54.9K shares	Q4 2022 Held for 2y 11m
7 Vanguard Total World Stock VT	ETF ETF	$8.3M	4.48%	-$254.7K Sold	— 60.2K shares	Q4 2022 Held for 2y 11m
8 Vanguard Short-Term Corporate Bond VCSH	ETF ETF	$6.9M	3.74%	+$167.5K Bought	— 86.6K shares	Q4 2022 Held for 2y 11m
9 Nvidia NVDA	Semiconductors Technology	$4.5M	2.44%	+$3.2K Bought	0.00% 24.2K shares	Q4 2022 Held for 2y 11m
10 Vanguard Intermediate-Term Bond BIV	ETF ETF	$3.4M	1.86%	+$213.1K Bought	— 44.0K shares	Q4 2022 Held for 2y 11m

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GthenH

Changes

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

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GthenC

Market Value

$185.1M

Prior: $173.6M

Q/Q Change

+6.61%

+$11.5M

Net Flows % of MV

-0.599%

Turnover Ratio

1.04%

New Purchases

0 stocks

Added To

17 stocks

+$1.4M

Sold Out Of

0 stocks

Reduced Holdings

15 stocks

-$2.5M

Increased Positions

Position	Shares Δ	Change
1 iShares Short-Term National Muni Bond SUB	+49.94%	2.7K → 4.0K +$141.9K
2 iShares National Muni Bond MUB	+17.4%	7.2K → 8.4K +$133.3K
3 iShares 0-5 Year High Yield Corporate Bond SHYG	+16.83%	45.1K → 52.7K +$328.7K
4 Vanguard Intermediate-Term Bond BIV	+6.61%	41.3K → 44.0K +$213.1K
5 Schwab U.S. Large-Cap Value SCHV	+6.57%	13.0K → 13.9K +$24.9K

Decreased Positions

Position	Shares Δ	Change
1 Vanguard Emerging Markets Government Bond VWOB	-22.79%	14.4K → 11.1K −$219.6K
2 Vanguard Total International Bond BNDX	-21.6%	29.2K → 22.9K −$312.1K
3 SPDR Portfolio Developed World ex-US ETF SPDW	-16.08%	11.6K → 9.7K −$79.6K
4 SPDR Portfolio S&P 500 ETF SPLG	-6.71%	12.3K → 11.5K −$64.6K
5 SPDR Portfolio Emerging Markets SPEM	-6.47%	4.9K → 4.6K −$14.7K