PLANNING DIRECTIONS INC

RIA/Wealth

PLANNING DIRECTIONS INC is a RIA/Wealth based in Glen Mills, PA led by William Francis Muller, reporting $486.1M in AUM as of Q3 2025 with 75% ETF concentration, 62% concentrated in top 10 holdings, and 19% allocation to SCHD.

CEOWilliam Francis Muller

Portfolio Value: $191.6M
Positions: 93
Top Holding: SCHD at 19.4%
Last Reported: Q3 2025

Address239 Baltimore Pike, Glen Mills, PA, 19342-1127, United States

Top Holdings

Largest long holdings in PLANNING DIRECTIONS INC's portfolio (62.1% of total portfolio)

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Holding	Sector	Position	Weight	Traded	Ownership	Owned Since
1 Schwab US Dividend Equity SCHD	ETF ETF	$37.2M	19.40%	+$1.5M Bought	— 1.4M shares	Q1 2018 Held for 7y 8m
2 Vanguard Short-Term Bond BSV	ETF ETF	$15.2M	7.94%	-$111.7K Sold	— 192.9K shares	Q1 2018 Held for 7y 8m
3 Vanguard Dividend Appreciation VIG	Unknown Unknown	$14.6M	7.62%	-$106.8K Sold	— 67.7K shares	Q4 2023 Held for 1y 11m
4 VictoryShares Core Intermediate Bond UITB	ETF ETF	$11.5M	5.99%	+$666.8K Bought	— 241.4K shares	Q2 2024 Held for 1y 5m
5 Apple AAPL	Consumer Electronics Technology	$11.0M	5.72%	-$34.1K Sold	0.00% 43.1K shares	Q1 2018 Held for 7y 8m
6 iShares Core S&P Small-Cap ETF IJR	ETF ETF	$6.3M	3.30%	+$108.7K Bought	— 53.2K shares	Q1 2018 Held for 7y 8m
7 Vanguard Mega Cap Value MGV	ETF ETF	$6.0M	3.15%	-$426.7K Sold	— 43.8K shares	Q1 2018 Held for 7y 8m
8 Fidelity Low Duration Bond Factor FLDR	ETF ETF	$6.0M	3.12%	+$196.5K Bought	— 119.0K shares	Q4 2023 Held for 1y 11m
9 Vanguard Total World Stock VT	ETF ETF	$5.6M	2.94%	+$136.0K Bought	— 40.9K shares	Q3 2021 Held for 4y 2m
10 Vanguard Mid-Cap Growth VOT	Unknown Unknown	$5.6M	2.92%	-$17.0K Sold	— 19.1K shares	Q4 2023 Held for 1y 11m

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Changes

Portfolio activity, position movements, and quarter-over-quarter changes in PLANNING DIRECTIONS INC's latest filing

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Market Value

$191.6M

Prior: $177.7M

Q/Q Change

+7.83%

+$13.9M

Net Flows % of MV

+2.28%

Turnover Ratio

2.44%

New Purchases

4 stocks

$1.5M

Added To

43 stocks

+$4.9M

Sold Out Of

0 stocks

Reduced Holdings

32 stocks

-$2.0M

Increased Positions

Position	Shares Δ	Change
1 BlackRock Short Duration Bond NEAR	New	0 → 18.4K +$943.1K
2 Fidelity High Dividend FDVV	New	0 → 3.7K +$206.2K
3 Fidelity Investment Grade Bond FIGB	New	0 → 4.7K +$204.0K
4 AGNC Investment Corp. AGNC	New	0 → 12.2K +$119.9K
5 Vanguard Intermediate-Term Corporate Bond VCIT	+65.39%	2.8K → 4.6K +$153.8K

Decreased Positions

Position	Shares Δ	Change
1 Vanguard Health Care VHT	-14.5%	4.0K → 3.4K −$150.6K
2 Home Depot HD	-9.22%	1.2K → 1.1K −$43.7K
3 McDonald's MCD	-8.82%	1.8K → 1.7K −$49.2K
4 iShares Core S&P 500 ETF IVV	-8.67%	611.0 → 558.0 −$35.5K
5 Vanguard Small-Cap Growth VBK	-7.85%	1.5K → 1.4K −$34.2K