Sterling Financial Planning, Inc.

RIA/Wealth

Sterling Financial Planning, Inc. is a RIA/Wealth led by Nicholas Anthony Nicolette, reporting $671.9M in AUM as of Q3 2025 with 83% ETF concentration and minimal technology exposure.

PresidentNicholas Anthony Nicolette

Portfolio Value: $316.8M
Positions: 114
Top Holding: IAU at 6.28%
Last Reported: Q3 2025

Address

Top Holdings

Largest long holdings in Sterling Financial Planning, Inc.'s portfolio (46.7% of total portfolio)

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Holding	Sector	Position	Weight	Traded	Ownership	Owned Since
1 IAU iShares Gold Trust IAU	Unknown Unknown	$19.9M	6.28%	-$460.6K Sold	— 273.4K shares	Q4 2022 Held for 2y 11m
2 IJJ iShares S&P Mid-Cap 400 Value ETF IJJ	ETF ETF	$19.2M	6.05%	+$187.3K Bought	— 147.9K shares	Q4 2020 Held for 4y 11m
3 iShares S&P 500 Growth ETF IVW	ETF ETF	$17.9M	5.64%	-$898.3K Sold	— 148.1K shares	Q4 2020 Held for 4y 11m
4 iShares S&P Small-Cap 600 Growth ETF IJT	ETF ETF	$17.6M	5.55%	+$54.8K Bought	— 124.2K shares	Q4 2020 Held for 4y 11m
5 iShares S&P Mid-Cap 400 Growth IJK	ETF ETF	$17.3M	5.45%	+$189.8K Bought	— 180.2K shares	Q4 2020 Held for 4y 11m
6 Dimensional International Value DFIV	ETF ETF	$14.6M	4.61%	-$217.8K Sold	— 316.7K shares	Q2 2022 Held for 3y 5m
7 Schwab Fundamental U.S. Large Company FNDX	ETF ETF	$11.2M	3.52%	-$266.3K Sold	— 424.0K shares	Q4 2020 Held for 4y 11m
8 Vanguard High Dividend Yield VYM	ETF ETF	$10.8M	3.41%	+$218.8K Bought	— 76.7K shares	Q4 2020 Held for 4y 11m
9 DISV Dimensional International Small Cap Value DISV	ETF ETF	$10.5M	3.32%	-$113.5K Sold	— 294.9K shares	Q2 2022 Held for 3y 5m
10 Dimensional US Small Cap Value DFSV	ETF ETF	$8.9M	2.82%	+$78.4K Bought	— 280.2K shares	Q2 2022 Held for 3y 5m

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Changes

Portfolio activity, position movements, and quarter-over-quarter changes in Sterling Financial Planning, Inc.'s latest filing

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Market Value

$316.8M

Prior: $299.0M

Q/Q Change

+5.95%

+$17.8M

Net Flows % of MV

-1.03%

Turnover Ratio

1.68%

New Purchases

1 stocks

$311.5K

Added To

37 stocks

+$3.3M

Sold Out Of

2 stocks

$497.9K

Reduced Holdings

55 stocks

-$6.4M

Increased Positions

Position	Shares Δ	Change
1 CSRE CSR PLC CSRE	New	0 → 12.0K +$311.5K
2 Vanguard Total Stock Market VTI	+23.92%	694.0 → 860.0 +$54.5K
3 Vanguard Short-Term Corporate Bond VCSH	+16.72%	35.8K → 41.8K +$478.6K
4 Vanguard Short-Term Bond BSV	+7.78%	47.1K → 50.8K +$289.1K
5 Vanguard Total International Bond BNDX	+6.75%	44.2K → 47.2K +$147.6K

Decreased Positions

Position	Shares Δ	Change
1 Royal Caribbean Group RCL	Sold	900.0 → 0 −$281.8K
2 Lam Research LRCX	Sold	2.2K → 0 −$216.1K
3 Raytheon Technologies RTX	-58.58%	12.7K → 5.2K −$1.2M
4 Oracle ORCL	-28.33%	1.4K → 994.0 −$110.5K
5 Costco Wholesale COST	-18.12%	712.0 → 583.0 −$119.5K