Clear Perspectives Financial Planning, LLC

Quarterly 13F snapshot: US-listed longs only, no performance figures — 13F data cannot support them.

Portfolio value: $178M
Positions: 197
Quarter ended: March 31, 2023
Filed: May 11, 2023

Reported portfolio value by quarter (10 quarters reported)

$264M $158M

Q4 20 Q2 21 Q4 21 Q2 22 Q4 22 Q1 23

$158M in Q4 2020 → $178M now. Hover for any quarter.

Holdings

As reported for the quarter ended March 31, 2023. Activity is the change in share count since the prior quarter's filing.

Holding	% of portfolio	Activity	Shares	Value
P& Procter & Gamble Co Com	10.0%	Added 11%	119,795	$17.8M
VH Vanguard High Div Yld ETF	9.9%	Trimmed 21%	167,160	$17.6M
IE Invesco Exchange Traded Fd Tr S&P500 Eql Wgt ETF	8.2%	Trimmed 0.9%	101,050	$14.6M
VV Vanguard Value ETF	8.1%	Trimmed 5.8%	104,162	$14.4M
VS Vanguard S&P 500 ETF Shs	6.3%	Added 138%	29,738	$11.2M
IT Ishares Trust Ishares 0-3 Month Treasury	5.9%	Trimmed 29%	104,680	$10.5M
VD Vanguard Div App ETF	5.9%	Added 565%	68,074	$10.5M
V5 Vanguard 500 Val Idx Fd ETF	5.3%	Added 1321%	63,978	$9.39M
VS Vanguard Star Fd Tl Intl Stk F ETF	4.3%	New	138,081	$7.62M
VF Vanguard Ftse Developed Mkts ETF	4.2%	Added 102740%	165,572	$7.48M
SS SPDR Series Trust S&P Divid ETF	4.1%	Trimmed 2.5%	59,084	$7.31M
IT Ishares Trust Select Divid ETF	3.6%	Trimmed 36%	55,540	$6.51M
VM Vanguard Mega Grwth Ind ETF	2.9%	Added 173%	25,381	$5.19M
VM Vanguard Mega Cap Val ETF	2.5%	Trimmed 18%	44,535	$4.5M
IT Ishares Trust Global 100 ETF	1.7%	Added 694%	43,702	$3.06M
IT Ishares Trust Rus 1000 ETF	1.7%	Trimmed 2.1%	13,376	$3.01M
SS SPDR S&P500 ETF Trust Tr Unit ETF	1.4%	Added 4.2%	6,235	$2.55M
SB SPDR Bloomberg 1-3 Month T-bill ETF	1.4%	Trimmed 56%	27,633	$2.54M
IT Ishares Trust Core S&P500 ETF	1.3%	Trimmed 0.1%	5,779	$2.38M
VT Vanguard Total Stk Mkt ETF	1.1%	Trimmed 1.0%	10,017	$2.04M
VL Vanguard Large Cap ETF	1.0%	Trimmed 9.3%	9,072	$1.69M
IE Invesco Exchange Traded Fund T S&P500 Low Vol ETF	0.9%	Trimmed 7.1%	26,675	$1.66M
IQ Invesco Qqq Trust Unit Ser 1 ETF	0.9%	Trimmed 0.5%	5,077	$1.63M
IT Ishares Trust S&P 100 ETF	0.6%	Trimmed 2.4%	5,712	$1.07M
VG Vanguard Growth ETF	0.6%	Added 9.8%	4,237	$1.06M
IT Ishares Trust Rus 1000 Grw ETF	0.6%	Trimmed 0.0%	4,184	$1.02M
IT Ishares Trust Msci Usa Min Vol Factor ETF	0.4%	Trimmed 35%	9,195	$669K
IT Ishares Trust Msci Kld400 Soc ETF	0.3%	Added 1.1%	7,626	$595K
IT Ishares Trust Core High Dv ETF	0.3%	Trimmed 90%	5,352	$544K
DE Dimensional ETF Tr Us Marketwide Value ETF	0.3%	Trimmed 0.2%	15,754	$527K
IT Ishares Trust Msci Usa Esg Slc ETF	0.2%	Unchanged	4,978	$437K
IT Ishares Trust Russell 3000 ETF	0.2%	Unchanged	1,403	$330K
VM Vanguard Mcap Gr Idxvip ETF	0.2%	Unchanged	1,420	$277K
RT Raytheon Tech Corp Com	0.1%	Unchanged	2,483	$243K
VS Vanguard Small Cp ETF	0.1%	Added 3.5%	1,280	$243K
CC Centene Corporation Com	0.1%	Trimmed 7.3%	3,818	$241K
VH Vanguard Health Car ETF	0.1%	Trimmed 3.6%	987	$235K
AC American Century Investments Intl Eqt ETF	0.1%	New	3,800	$217K
IT Ishares Trust Msci Acwi ETF	0.1%	Added 102%	2,288	$209K
VT Vanguard Tt Wrld St ETF	0.1%	Unchanged	2,263	$208K
VE Vanguard Extend Mkt ETF	0.1%	Trimmed 0.7%	1,391	$195K
MC Microsoft Corp Com	0.1%	Unchanged	614	$177K
BS Bristol-myers Squibb Co Com	0.1%	Unchanged	2,546	$176K
IT Ishares Trust Rus 1000 Val ETF	0.1%	Trimmed 38%	1,128	$172K
RC Repligen Corp Com	0.1%	Unchanged	975	$164K
AC Apple Inc Com	0.1%	Unchanged	837	$138K
VC Visa Inc Com Cl A	0.1%	Unchanged	610	$138K
PC Pepsico Inc Com	0.1%	Unchanged	738	$135K
VM Vanguard Mid Cap ETF	0.1%	Trimmed 4.5%	631	$133K
J& Johnson & Johnson Com	0.1%	Unchanged	850	$132K
SS Select Sector SPDR Trust Energy ETF	0.1%	Trimmed 84%	1,420	$118K
CG Carrier Global Corporation Com	0.1%	Unchanged	2,442	$112K
OW Otis Worldwide Corp Com	0.1%	Unchanged	1,231	$104K
VU Vanguard Utilities ETF	0.0%	Unchanged	600	$88.5K
M& Merck & Co Inc Com	0.0%	Unchanged	813	$86.5K
GX Global X Fds Us Infr Dev ETF	0.0%	Unchanged	2,925	$82.9K
VM Vanguard Mcap Vl Idxvip ETF	0.0%	Trimmed 25%	560	$75.1K
CC Chevron Corporation Com	0.0%	Unchanged	457	$74.6K
CF Cincinnati Financial Corp Com	0.0%	Unchanged	655	$73.4K
SS Select Sector SPDR Trust Sbi Int-inds ETF	0.0%	Unchanged	715	$72.3K

Showing top 60 of 197 positions.

Timeline of changes

What changed each quarter, from the filings' own share counts. Largest moves first; most recent 8 quarters.

Q1 2023

quarter ended March 31, 2023 · filed May 11, 2023

Company	Action	Shares changed	Value of change	% of portfolio
VD Vanguard Div App ETF	Added	+57,843	+$8.91M	5.9%
V5 Vanguard 500 Val Idx Fd ETF	Added	+59,476	+$8.73M	5.3%
VS Vanguard Star Fd Tl Intl Stk F ETF	New	+138,081	+$7.62M	4.3%
VF Vanguard Ftse Developed Mkts ETF	Added	+165,411	+$7.47M	4.2%
IE Invesco Exchange Traded Fund T Optimum Yield ETF	Exited	−489,803	−$7.24M	—
VS Vanguard S&P 500 ETF Shs	Added	+17,225	+$6.48M	6.3%
FT First Tst Mornings Shs ETF	Trimmed	−156,572	−$5.56M	—
IT Ishares Trust Core High Dv ETF	Trimmed	−50,560	−$5.14M	0.3%
FT First Trust Exchange-traded Fu Fst Tr Glb Fd ETF	Exited	−204,585	−$5.01M	—
VH Vanguard High Div Yld ETF	Trimmed	−43,381	−$4.58M	9.9%

Showing the 10 largest of 123 changes.

Q4 2022

quarter ended December 31, 2022 · filed February 13, 2023

Company	Action	Shares changed	Value of change	% of portfolio
SB SPDR Bloomberg 1-3 Month T-bill ETF	Trimmed	−168,959	−$15.5M	3.1%
IT Ishares Trust Ishares 0-3 Month Treasury	Trimmed	−143,420	−$14.4M	7.8%
VM Vanguard Mega Cap Val ETF	Added	+22,041	+$2.27M	3.0%
IT Ishares Trust Blackrock Ultra Sht Trm Bd	Exited	−37,048	−$1.85M	—
IT Ishares Trust Core High Dv ETF	Added	+16,960	+$1.77M	3.1%
GS Goldman Sachs ETF Trust Acces Treasury ETF	Exited	−17,606	−$1.76M	—
IE Invesco Exchange Traded Fd Tr S&P500 Eql Wgt ETF	Trimmed	−10,312	−$1.46M	7.7%
P& Procter & Gamble Co Com	Trimmed	−9,241	−$1.4M	8.7%
SS SPDR Series Trust S&P Divid ETF	Added	+6,846	+$856K	4.0%
FT First Tst Mornings Shs ETF	Added	+20,322	+$743K	3.0%

Showing the 10 largest of 163 changes.

Q3 2022

quarter ended September 30, 2022 · filed November 09, 2022

Company	Action	Shares changed	Value of change	% of portfolio
VS Vanguard Strm Infproidx ETF	Exited	−486,945	−$24.4M	—
IT Ishares Trust Short Treas Bd ETF	Exited	−107,885	−$11.9M	—
IT Ishares Trust 0-5 Yr Tips ETF	Exited	−101,921	−$10.3M	—
SB SPDR Bloomberg 1-3 Month T-bill ETF	Trimmed	−57,551	−$5.27M	10.4%
FT First Tst Mornings Shs ETF	Added	+102,900	+$3.31M	2.2%
IE Invesco Exchange Traded Fd Tr Hig Yld Eq Div ETF	New	+177,605	+$3.3M	1.6%
IT Ishares Trust Core High Dv ETF	Added	+35,057	+$3.2M	1.7%
IE Invesco Exchange Traded Fd Tr S&P500 Pur Val ETF	Added	+44,799	+$3.13M	1.8%
VH Vanguard High Div Yld ETF	Trimmed	−31,495	−$2.99M	9.9%
VE Vaneck ETF Trust Inflation Allocation ETF	Exited	−97,821	−$2.42M	—

Showing the 10 largest of 152 changes.

Q2 2022

quarter ended June 30, 2022 · filed August 11, 2022

Company	Action	Shares changed	Value of change	% of portfolio
IT Ishares Trust Ishares 0-3 Month Treasury	New	+276,523	+$27.7M	10.8%
PE Pimco ETF Trust 1-5 Us Tip Idx ETF	Trimmed	−257,187	−$13.2M	—
IT Ishares Trust Select Divid ETF	New	+99,840	+$11.7M	4.6%
SB SPDR Bloomberg 1-3 Month T-bill ETF	Added	+65,834	+$6.02M	10.3%
SS SPDR Series Trust S&P Divid ETF	Added	+49,979	+$5.93M	2.3%
IT Ishares Trust Short Treas Bd ETF	Trimmed	−44,990	−$4.95M	4.6%
SB SPDR Bloomberg 1 10 Year Tips ETF	Trimmed	−208,626	−$4.05M	—
SP SPDR Prtflo S&P500 Hi ETF	New	+90,865	+$3.63M	1.4%
SS Schwab Strategic Tr Us Tips ETF	Exited	−57,716	−$3.5M	—
VD Vanguard Div App ETF	Trimmed	−23,881	−$3.43M	0.6%

Showing the 10 largest of 133 changes.

Q1 2022

quarter ended March 31, 2022 · filed May 12, 2022

Company	Action	Shares changed	Value of change	% of portfolio
VH Vanguard High Div Yld ETF	Added	+254,352	+$28.6M	11.2%
SB SPDR Bloomberg 1-3 Month T-bill ETF	New	+224,059	+$20.5M	7.8%
IT Ishares Trust Short Treas Bd ETF	New	+152,875	+$16.9M	6.4%
SS Schwab Strategic Tr Us Tips ETF	Trimmed	−229,333	−$13.9M	1.3%
SB SPDR Bloomberg 1 10 Year Tips ETF	Trimmed	−419,263	−$8.67M	1.7%
IE Invesco Exchange Traded Fund T Optimum Yield ETF	Added	+459,357	+$8.1M	3.2%
VG Vanguard Growth ETF	Trimmed	−24,678	−$7.1M	1.4%
VS Vanguard Strm Infproidx ETF	Trimmed	−104,371	−$5.34M	10.3%
VF Vanguard Ftse Europe ETF	Exited	−69,875	−$4.77M	—
VV Vanguard Value ETF	Added	+28,581	+$4.22M	5.9%

Showing the 10 largest of 140 changes.

Q4 2021

quarter ended December 31, 2021 · filed February 09, 2022

Company	Action	Shares changed	Value of change	% of portfolio
SS Schwab Strategic Tr Us Tips ETF	Added	+135,394	+$8.52M	7.3%
VS Vanguard Shrt Trm Corp Bd ETF	Trimmed	−63,423	−$5.16M	0.6%
NE Nuveen Esg Nuveen Esg Lrg Cap Val ETF	Added	+109,402	+$4.25M	1.8%
VS Vanguard Strm Infproidx ETF	Added	+68,218	+$3.51M	13.2%
SB SPDR Bloomberg 1 10 Year Tips ETF	Added	+110,132	+$2.33M	5.4%
PE Pimco ETF Trust 1-5 Us Tip Idx ETF	Added	+28,259	+$1.56M	6.9%
IE Invesco Exchange Traded Fd Tr S&P500 Eql Wgt ETF	Added	+8,810	+$1.43M	8.8%
VF Vanguard Ftse Europe ETF	Trimmed	−12,959	−$884K	1.9%
VM Vanguard Mega Grwth Ind ETF	Added	+2,697	+$703K	2.1%
IT Ishares Trust 3 7 Yr Treas Bd ETF	Trimmed	−4,653	−$598K	0.1%

Showing the 10 largest of 115 changes.

Q3 2021

quarter ended September 30, 2021 · filed November 05, 2021

Company	Action	Shares changed	Value of change	% of portfolio
VS Vanguard Strm Infproidx ETF	Added	+94,893	+$4.99M	13.6%
SS SPDR Series Trust Blomberg 1 10 Yr ETF	Added	+158,735	+$3.35M	5.0%
IT Ishares Trust 0-5 Yr Tips ETF	Added	+27,159	+$2.87M	4.1%
PE Pimco ETF Trust 1-5 Us Tip Idx ETF	Added	+44,198	+$2.42M	7.0%
VD Vanguard Div App ETF	Trimmed	−15,432	−$2.37M	4.5%
VV Vanguard Value ETF	Added	+14,013	+$1.9M	4.7%
VS Vanguard Shrt Trm Corp Bd ETF	Trimmed	−21,572	−$1.78M	3.1%
IE Invesco Exchange Traded Fd Tr S&P500 Eql Wgt ETF	Added	+7,627	+$1.14M	8.4%
P& Procter & Gamble Co Com	Trimmed	−7,174	−$1M	5.5%
VM Vanguard Mega Grwth Ind ETF	Added	+4,194	+$985K	1.8%

Showing the 10 largest of 122 changes.

Q2 2021

quarter ended June 30, 2021 · filed August 05, 2021

Company	Action	Shares changed	Value of change	% of portfolio
PE Pimco ETF Trust 1-5 Us Tip Idx ETF	Added	+175,533	+$9.66M	6.3%
VV Vanguard Value ETF	Added	+47,487	+$6.53M	4.2%
VF Vanguard Ftse Europe ETF	New	+93,035	+$6.26M	3.0%
IT Ishares Trust 0-5 Yr Tips ETF	New	+57,945	+$6.16M	3.0%
SS Schwab Strategic Tr Intrm Trm Tres ETF	Trimmed	−100,630	−$5.7M	—
IE Invesco Exchange Traded Fd Tr S&P500 Eql Wgt ETF	Added	+18,726	+$2.82M	8.5%
FT First Trust Exchange-traded Fu Fst Tr Glb Fd ETF	New	+117,165	+$2.77M	1.3%
VS Vanguard Strm Infproidx ETF	Added	+45,526	+$2.39M	12.0%
VG Vanguard Growth ETF	Trimmed	−8,208	−$2.35M	5.4%
VS Vanguard Shrt Trm Corp Bd ETF	Trimmed	−19,311	−$1.6M	4.1%

Showing the 10 largest of 103 changes.

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