Fee-Only Financial Planning, L.C.
Sector Allocation
- Other93.8%$171.1M
- Financials1.4%$2.5M
- Consumer Staples1.4%$2.5M
- Technology1.0%$1.9M
- Utilities0.7%$1.3M
- Communication Services0.5%$924,557
- Industrials0.5%$865,685
- Energy0.4%$792,918
- Consumer Discretionary0.2%$283,002
- Healthcare0.1%$277,977
AUM History
13fpro.ai/research/fund/fee-only-financial-planning-l-c-1954044
Conviction and streaks
Stable · top 10 = 87.2%From the fund's last 12 quarters of 13F filings: positions held longest at size, and names it added to or trimmed several quarters running.
Largest positions — Q3 2026
- VANGUARD$56.0M
- VANGUARD$33.6M
- VANGUARD$15.4M
- VANGUARD$11.9M
- VANGUARD$11.7M
- VANGUARD$9.8M
- VANGUARD$8.1M
- VANGUARD$4.7M
- VANGUARD$4.4M
- VANGUARD$3.3M
- VANGUARD$2.3M
- VANGUARD$2.1M
BAC
$1.9M- VANGUARD$1.8M
PM
$1.5M- VANGUARD$1.3M
- VANGUARD$1.0M
- VANGUARD$952K
AAPL
$925KXOM.R34088
$793K
Top 20 stock positions. Options are left out: 13F reports them at the underlying's value.
13fpro.ai/research/fund/fee-only-financial-planning-l-c-1954044
Fee-Only Financial Planning, L.C. 13F holdings — Q3 2026
$182.3M portfolio (-2.3% QoQ) · 43 holdings · Q3 2026 13F · top 10 are 87% of the stock portfolio
- 1
VANGUARD INDEX FDS - MRNGSTR GRWT ETF
$56.0M
30.7% of stocks
-1%This quarter—Since filed—HeldAIQuality—Est. buy— - 2
VANGUARD INDEX FDS - MRNGSTR VAL ETF
$33.6M
18.4% of stocks
-3%This quarter—Since filed—HeldAIQuality—Est. buy— - 3
VANGUARD INDEX FDS - MRNGSTR MID CAP
$15.4M
8.5% of stocks
-2%This quarter—Since filed—HeldAIQuality—Est. buy— - 4
VANGUARD INDEX FDS - MRNGSTR SML CAP
$11.9M
6.5% of stocks
-2%This quarter—Since filed—HeldAIQuality—Est. buy— - 5
VANGUARD INDEX FDS - MRNGSTR SML CP V
$11.7M
6.4% of stocks
-2%This quarter—Since filed—HeldAIQuality—Est. buy— - 6
VANGUARD INDEX FDS - MRNGSTR SM CP GR
$9.8M
5.4% of stocks
-2%This quarter—Since filed—HeldAIQuality—Est. buy— - 7
VANGUARD INTL EQUITY INDEX F - ALLWRLD EX US
$8.1M
4.5% of stocks
-1%This quarter—Since filed—HeldAIQuality—Est. buy— - 8
VANGUARD INDEX FDS - S&P 500 ETF SHS
$4.7M
2.6% of stocks
-2%This quarter—Since filed—HeldAIQuality—Est. buy— - 9
VANGUARD INDEX FDS - MRNGSTR MD CP VA
$4.4M
2.4% of stocks
-0.9%This quarter—Since filed—HeldAIQuality—Est. buy— - 10
VANGUARD INDEX FDS - MRNGSTR TTL STK
$3.3M
1.8% of stocks
+0.1%This quarter—Since filed—HeldAIQuality—Est. buy—
| # | Company | Value | Weight | This quarter | Since filed | Held | AI quality | Est. buy | |
|---|---|---|---|---|---|---|---|---|---|
| 1 | VANGUARD INDEX FDS - MRNGSTR GRWT ETF | $56.0M | 30.7% | -1% | — | — | — | — | |
| 2 | VANGUARD INDEX FDS - MRNGSTR VAL ETF | $33.6M | 18.4% | -3% | — | — | — | — | |
| 3 | VANGUARD INDEX FDS - MRNGSTR MID CAP | $15.4M | 8.5% | -2% | — | — | — | — | |
| 4 | VANGUARD INDEX FDS - MRNGSTR SML CAP | $11.9M | 6.5% | -2% | — | — | — | — | |
| 5 | VANGUARD INDEX FDS - MRNGSTR SML CP V | $11.7M | 6.4% | -2% | — | — | — | — | |
| 6 | VANGUARD INDEX FDS - MRNGSTR SM CP GR | $9.8M | 5.4% | -2% | — | — | — | — | |
| 7 | VANGUARD INTL EQUITY INDEX F - ALLWRLD EX US | $8.1M | 4.5% | -1% | — | — | — | — | |
| 8 | VANGUARD INDEX FDS - S&P 500 ETF SHS | $4.7M | 2.6% | -2% | — | — | — | — | |
| 9 | VANGUARD INDEX FDS - MRNGSTR MD CP VA | $4.4M | 2.4% | -0.9% | — | — | — | — | |
| 10 | VANGUARD INDEX FDS - MRNGSTR TTL STK | $3.3M | 1.8% | +0.1% | — | — | — | — |
All holdings — Fee-Only Financial Planning, L.C. (Q3 2026)
43 disclosed positions from the Form 13F-HR on SEC EDGAR, with quarter-over-quarter share changes. Largest by value first; the ten above are not repeated.
| # | Company | Held | Source | |||||||
|---|---|---|---|---|---|---|---|---|---|---|
| 11 | — | VANGUARD INDEX FDS - EXTEND MKT ETFetf/fund | — | $2.3M | 1.3% | 10K | -4% | — | — | 13F |
| 12 | — | VANGUARD INDEX FDS - MRNGSTR MD CP GRetf/fund | — | $2.1M | 1.1% | 7,045 | -0.7% | — | — | 13F |
| 13 | BANK OF AMERICA CORP /DE/ | Financials | $1.9M | 1.0% | 34K | — | 7+ qtrs | 68.6 | 13F | |
| 14 | — | VANGUARD WORLD FD - MRNGSTR MEGA CAPetf/fund | — | $1.8M | 1.0% | 20K | -3% | — | — | 13F |
| 15 | Philip Morris International Inc. | Consumer Staples | $1.5M | 0.8% | 7,666 | — | 7+ qtrs | 75.4 | 13F | |
| 16 | — | VANGUARD TAX-MANAGED FDS - VAN FTSE DEV MKTetf/fund | — | $1.3M | 0.7% | 19K | — | — | — | 13F |
| 17 | — | VANGUARD WORLD FD - ENERGY ETFetf/fund | — | $1.0M | 0.6% | 6,000 | -6% | — | — | 13F |
| 18 | — | VANGUARD INDEX FDS - MRNGSTR LRG CAPetf/fund | — | $952K | 0.5% | 2,705 | -5% | — | — | 13F |
| 19 | Apple Inc. | Technology | $925K | 0.5% | 2,777 | — | 7+ qtrs | 75.7 | 13F | |
| 20 | EXXON MOBIL CORP | Energy | $793K | 0.4% | 4,872 | -6% | 7+ qtrsTrimmed 6 qtrs in a row | 57.8 | 13F | |
| 21 | ALTRIA GROUP, INC. | Consumer Staples | $694K | 0.4% | 10K | — | 7+ qtrs | 67.8 | 13F | |
| 22 | TRUIST FINANCIAL CORP | Financials | $646K | 0.3% | 14K | -2% | 7+ qtrs | AI quality score is Pro: unlock with a free trial | 13F | |
| 23 | AT&T INC. | Communication Services | $617K | 0.3% | 25K | -0.4% | 7+ qtrs | AI quality score is Pro: unlock with a free trial | 13F | |
| 24 | MICROSOFT CORP | Technology | $604K | 0.3% | 1,178 | — | 7+ qtrs | AI quality score is Pro: unlock with a free trial | 13F | |
| 25 | AMERICAN ELECTRIC POWER CO INC | Utilities | $554K | 0.3% | 4,669 | — | 7+ qtrs | AI quality score is Pro: unlock with a free trial | 13F | |
| 26 | $GE | GENERAL ELECTRIC CO | Industrials | $472K | 0.3% | 1,512 | — | |||
| 27 | $SO | SOUTHERN CO | Utilities | $457K | 0.3% | 5,518 | — | |||
| 28 | — | VANGUARD INTL EQUITY INDEX F - FTSE EMR MKT ETF | — | $453K | 0.3% | 7,640 | — | |||
| 29 | $GEV | GE Vernova Inc. | Industrials | $394K | 0.2% | 414 | — | |||
| 30 | $MDLZ | Mondelez International, Inc. | Consumer Staples | $344K | 0.2% | 5,941 | — | |||
| 31 | $ADBE | ADOBE INC. | Technology | $337K | 0.2% | 1,405 | — | |||
| 32 | $WBD | Warner Bros. Discovery, Inc. | Communication Services | $308K | 0.2% | 9,945 | — | |||
| 33 | — | FIDELITY COVINGTON TRUST - MSCI ENERGY IDX | — | $288K | 0.2% | 8,500 | -5% | |||
| 34 | $AZO | AUTOZONE INC | Consumer Discretionary | $283K | 0.2% | 100 | — | |||
| 35 | — | ISHARES TR - EAFE SML CP ETF | — | $283K | 0.2% | 3,350 | — | |||
| 36 | $JNJ | JOHNSON & JOHNSON | Healthcare | $278K | 0.1% | 1,050 | — | |||
| 37 | — | FIRST TR EXCHANGE TRADED FD - RISNG DIVD ACHIV | — | $277K | 0.1% | 3,535 | -15% | |||
| 38 | — | ISHARES TR - S&P MC 400GR ETF | — | $270K | 0.1% | 2,460 | — | |||
| 39 | $D | DOMINION ENERGY, INC | Utilities | $240K | 0.1% | 3,960 | -8% | |||
| 40 | $QQQ | INVESCO QQQ TRUST, SERIES 1 | — | $233K | 0.1% | 315 | — | |||
| 41 | — | VANGUARD STAR FDS - VG TL INTL STK F | — | $224K | 0.1% | 2,631 | — | |||
| 42 | — | ISHARES TR - S&P SML 600 GWT | — | $212K | 0.1% | 1,320 | — | |||
| 43 | — | ISHARES TR - SP SMCP600VL ETF | — | $205K | 0.1% | 1,600 | — |
What changed in Q3 2026
Against the previous quarter's 13F: 0 new, 1 added to, 20 trimmed, 2 sold out. Share-count changes; largest moves by dollar size first.
New positions (0)
No new positions this quarter.
Added to (1)
- VANGUARD INDEX FDS - MRNGSTR TTL STK+0.1%
now $3.3M
Trimmed (20)
- VANGUARD INDEX FDS - MRNGSTR VAL ETF-3%
now $33.6M
- VANGUARD INDEX FDS - MRNGSTR GRWT ETF-1%
now $56.0M
- VANGUARD INDEX FDS - MRNGSTR MID CAP-2%
now $15.4M
- VANGUARD INDEX FDS - MRNGSTR SML CAP-2%
now $11.9M
- VANGUARD INDEX FDS - MRNGSTR SML CP V-2%
now $11.7M
- VANGUARD INDEX FDS - MRNGSTR SM CP GR-2%
now $9.8M
+14 more in the Excel export
Sold out (2)
- ISHARES TR - S&P MC 400VL ETFwas $213K
$NSCNORFOLK SOUTHERN CORPwas $203K
held 1 qtr
Holdings by quarter
Every 13F Fee-Only Financial Planning, L.C. has filed, 15 earlier quarters. Pick one to see what it held then.
Is it too late to follow Fee-Only Financial Planning, L.C.?
Q3 2026 13F filed with the SEC on Oct 23, 2026. Prices are closing prices as of Oct 26, 2026.
Average quality of Fee-Only Financial Planning, L.C.'s top 20 holdings: 68/100 (our AI quality score, weighted by position size; 18 of the 20 are scored)
Top 10 since filing
+0.2%
Value-weighted move of the 10 largest stock positions
Turnover
0%
Last quarter; 2% over the last 4
Top 10 weight
87%
Share of the stock portfolio in its 10 largest positions
Held 4+ quarters
98%
Share of portfolio value in positions held a year or more
Highest-quality names it owns(among its 100 largest positions)
The 8 highest-scoring companies in this portfolio are a Pro feature.
How these are measured
- Moves since the quarter-end and since the filing date use our own daily closing prices, from the close on (or just before) each date to the latest close.
- Turnover is the lesser of shares bought or sold in a quarter, valued at the quarter-end prices in the 13F, divided by the average of the two quarters' stock portfolio values.
- Quarters held and add/trim streaks count back only through quarters whose filed holdings add up to the filing's own cover-page total (back to Q1 2025 for this fund). A change counts as an add or a trim when the split-adjusted share count moves by more than 1%.
- Estimate, not the fund's reported cost. For each quarter in the current holding period in which the fund's share count rose (split-adjusted), we take that quarter's average daily close and weight it by the shares added; sales do not change an average cost. Quarters where the stock's price history and the 13F's own implied price disagree by more than 2x are left out.
- Put and call option rows report the value of the underlying shares, not a position the fund paid for, so they are left out of all of the above.
Portfolio Overview
Fee-Only Financial Planning, L.C. disclosed 43 positions worth $182.3M in its Form 13F-HR for Q3 2026. During the quarter the fund opened 0 new positions and exited 2. The portfolio is most concentrated in Other (93.8% of disclosed assets). All figures are sourced directly from Fee-Only Financial Planning, L.C.’s Form 13F-HR filing with the SEC under CIK 1954044.
Funds like this
managers whose biggest positions overlap Fee-Only Financial Planning, L.C.'sBrowse Top Institutional Investors
13F Pro tracks 8,700+ institutional investors filing 13F reports with the SEC.
to search all 8,700+ institutional filers.
AI-Powered Hedge Fund Analysis: Fee-Only Financial Planning, L.C.
13F Pro is an AI hedge fund tracker and stock research platform. For Fee-Only Financial Planning, L.C. (SEC CIK: 1954044), the platform ingests every quarterly Form 13F filing and applies AI-powered analysis on top — 10 specialized AI analysts (value, growth, momentum, macro, activist, and more) debate the fund's top positions and publish AI-generated analysis with cited SEC sources.
Every holding in Fee-Only Financial Planning, L.C.'s portfolio is scored on an AI quality ranking built from its SEC filings (ROIC, FCF margin, revenue growth, institutional flow, earnings quality, shareholder dilution, and more). Track accumulation and distribution quarter over quarter, identify conviction positions, and see AI stock analysis for each position — alongside 8,700+ other institutional filers and 2,800+ AI-ranked companies.