Fee-Only Financial Planning, L.C.

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

Portfolio value: $182M
Positions: 43
Quarter ended: September 30, 2026
Filed: October 23, 2026

Reported portfolio value by quarter (16 quarters reported)

$187M $119M

Q4 22 Q4 23 Q4 24 Q4 25 Q3 26

$119M in Q4 2022 → $182M now. Hover for any quarter.

Holdings

As reported for the quarter ended September 30, 2026. Activity is the change in share count since the prior quarter's filing.

Holding	% of portfolio	Activity	Shares	Value
VI Vanguard Index Fds	30.7%	Trimmed 1.3%	621,210	$56M
VI Vanguard Index Fds	18.4%	Trimmed 3.1%	155,669	$33.6M
VI Vanguard Index Fds	8.5%	Trimmed 1.6%	196,983	$15.4M
VI Vanguard Index Fds	6.5%	Trimmed 2.0%	41,876	$11.9M
VI Vanguard Index Fds	6.4%	Trimmed 2.0%	50,822	$11.7M
VI Vanguard Index Fds	5.4%	Trimmed 1.9%	28,953	$9.78M
VI Vanguard Intl Equity Index F	4.4%	Trimmed 1.5%	97,745	$8.11M
VI Vanguard Index Fds	2.6%	Trimmed 2.0%	6,770	$4.74M
VI Vanguard Index Fds	2.4%	Trimmed 0.9%	22,342	$4.37M
VI Vanguard Index Fds	1.8%	Added 0.1%	8,925	$3.34M
VI Vanguard Index Fds	1.3%	Trimmed 4.3%	10,066	$2.33M
VI Vanguard Index Fds	1.1%	Trimmed 0.7%	7,045	$2.06M
BO Bank Of Amer Corp	1.0%	Unchanged	34,317	$1.87M
VW Vanguard World Fd	1.0%	Trimmed 2.8%	19,930	$1.85M
PM Philip Morris Intl Inc	0.8%	Unchanged	7,666	$1.46M
VT Vanguard Tax-managed Fds	0.7%	Unchanged	18,894	$1.33M
VW Vanguard World Fd	0.6%	Trimmed 6.3%	6,000	$1.03M
VI Vanguard Index Fds	0.5%	Trimmed 5.1%	2,705	$952K
Apple Inc	0.5%	Unchanged	2,777	$925K
Exxonmobil Holdings Corp	0.4%	New	4,872	$793K
Altria Group Inc	0.4%	Unchanged	10,303	$694K
TF Truist Finl Corp	0.4%	Trimmed 2.2%	13,951	$646K
AT&T Inc	0.3%	Trimmed 0.4%	25,277	$617K
Microsoft Corp	0.3%	Unchanged	1,178	$604K
AE American Elec Pwr Co Inc	0.3%	Unchanged	4,669	$554K
GA Ge Aerospace	0.3%	Unchanged	1,512	$472K
Southern Co	0.3%	Unchanged	5,518	$457K
VI Vanguard Intl Equity Index F	0.2%	Unchanged	7,640	$453K
Ge Vernova Inc	0.2%	Unchanged	414	$394K
MI Mondelez Intl Inc	0.2%	Unchanged	5,941	$344K
Adobe Inc	0.2%	Unchanged	1,405	$337K
Warner Bros Discovery Inc	0.2%	Unchanged	9,945	$308K
FC Fidelity Covington Trust	0.2%	Trimmed 4.9%	8,500	$288K
Autozone Inc	0.2%	Unchanged	100	$283K
IT Ishares Tr	0.2%	Unchanged	3,350	$283K
Johnson & Johnson	0.2%	Unchanged	1,050	$278K
FT First Tr Exchange Traded Fd	0.2%	Trimmed 15%	3,535	$277K
IT Ishares Tr	0.1%	Unchanged	2,460	$270K
Dominion Energy Inc	0.1%	Trimmed 7.6%	3,960	$240K
IQ Invesco Qqq Tr	0.1%	Unchanged	315	$233K
VS Vanguard Star Fds	0.1%	Unchanged	2,631	$224K
IT Ishares Tr	0.1%	Unchanged	1,320	$212K
IT Ishares Tr	0.1%	Unchanged	1,600	$205K

Timeline of changes

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

Q3 2026

quarter ended September 30, 2026 · filed October 23, 2026

Company	Action	Shares changed	Value of change	% of portfolio
VI Vanguard Index Fds	Trimmed	−5,040	−$1.09M	18.4%
Exxonmobil Holdings Corp	New	+4,872	+$793K	0.4%
VI Vanguard Index Fds	Trimmed	−8,289	−$747K	30.7%
Exxon Mobil Corp	Exited	−5,172	−$707K	—
VI Vanguard Index Fds	Trimmed	−3,209	−$252K	8.5%
VI Vanguard Index Fds	Trimmed	−857	−$244K	6.5%
VI Vanguard Index Fds	Trimmed	−1,036	−$239K	6.4%
IT Ishares Tr	Exited	−1,440	−$213K	—
NS Norfolk Southn Corp	Exited	−645	−$203K	—
VI Vanguard Index Fds	Trimmed	−570	−$193K	5.4%

Showing the 10 largest of 24 changes.

Q2 2026

quarter ended June 30, 2026 · filed July 29, 2026

Company	Action	Shares changed	Value of change	% of portfolio
VI Vanguard Index Fds	Added	+523,431	+$45.1M	29.1%
VI Vanguard Index Fds	Added	+149,741	+$12.1M	8.6%
VW Vanguard World Fd	Added	+16,400	+$1.44M	1.0%
VI Vanguard Index Fds	Trimmed	−3,682	−$802K	18.8%
VI Vanguard Index Fds	Exited	−3,386	−$300K	—
IT Ishares Tr	New	+1,320	+$236K	0.1%
IQ Invesco Qqq Tr	New	+315	+$232K	0.1%
CN Comcast Corp New	Exited	−7,969	−$229K	—
IT Ishares Tr	New	+1,600	+$219K	0.1%
IT Ishares Tr	New	+1,440	+$213K	0.1%

Showing the 10 largest of 32 changes.

Q1 2026

quarter ended March 31, 2026 · filed April 29, 2026

Company	Action	Shares changed	Value of change	% of portfolio
VI Vanguard Index Fds	Trimmed	−825	−$493K	2.5%
VI Vanguard Index Fds	Trimmed	−2,239	−$439K	19.5%
VI Vanguard Index Fds	Trimmed	−935	−$408K	28.0%
Consolidated Edison Inc	New	+1,847	+$209K	0.1%
VS Vanguard Star Fds	New	+2,631	+$203K	0.1%
VI Vanguard Index Fds	Trimmed	−571	−$150K	6.8%
VI Vanguard Index Fds	Trimmed	−674	−$139K	1.3%
VW Vanguard World Fd	Trimmed	−800	−$138K	0.7%
FC Fidelity Covington Trust	Trimmed	−2,525	−$85.9K	0.2%
Exxon Mobil Corp	Trimmed	−500	−$84.8K	0.5%

Showing the 10 largest of 28 changes.

Q4 2025

quarter ended December 31, 2025 · filed January 26, 2026

Company	Action	Shares changed	Value of change	% of portfolio
VI Vanguard Index Fds	Trimmed	−2,199	−$1.07M	30.4%
VI Vanguard Index Fds	Trimmed	−2,785	−$532K	18.6%
Warner Bros Discovery Inc	New	+9,945	+$287K	0.2%
Oracle Corp	Exited	−800	−$225K	—
Johnson & Johnson	New	+1,050	+$217K	0.1%
NS Norfolk Southn Corp	Exited	−695	−$209K	—
VI Vanguard Index Fds	Trimmed	−678	−$197K	8.6%
VI Vanguard Index Fds	Trimmed	−230	−$69.5K	5.3%
VI Vanguard Index Fds	Trimmed	−247	−$63.7K	6.6%
GA Ge Aerospace	Trimmed	−167	−$51.4K	0.3%

Showing the 10 largest of 19 changes.

Q3 2025

quarter ended September 30, 2025 · filed October 27, 2025

Company	Action	Shares changed	Value of change	% of portfolio
VI Vanguard Index Fds	Trimmed	−1,714	−$822K	30.6%
VI Vanguard Index Fds	Trimmed	−1,473	−$275K	18.4%
BH Berkshire Hathaway Inc Del	Exited	−500	−$243K	—
Oracle Corp	New	+800	+$225K	0.1%
NS Norfolk Southn Corp	New	+695	+$209K	0.1%
VI Vanguard Index Fds	Trimmed	−791	−$165K	6.4%
VI Vanguard Index Fds	Trimmed	−474	−$139K	8.8%
TF Truist Finl Corp	Trimmed	−1,865	−$85.3K	0.4%
VI Vanguard Intl Equity Index F	Trimmed	−889	−$63.4K	4.2%
VI Vanguard Index Fds	Trimmed	−148	−$48.6K	1.7%

Showing the 10 largest of 22 changes.

Q2 2025

quarter ended June 30, 2025 · filed July 17, 2025

Company	Action	Shares changed	Value of change	% of portfolio
Apple Inc	Added	+1,421	+$292K	0.3%
II Icf Intl Inc	Exited	−2,968	−$252K	—
VI Vanguard Index Fds	Added	+564	+$247K	30.1%
Ge Vernova Inc	New	+454	+$240K	0.1%
Consolidated Edison Inc	Exited	−1,847	−$204K	—
VI Vanguard Index Fds	Added	+350	+$199K	2.7%
VI Vanguard Index Fds	Added	+903	+$160K	18.7%
VI Vanguard Index Fds	Added	+390	+$92.4K	6.4%
VI Vanguard Intl Equity Index F	Added	+1,003	+$67.4K	4.2%
VI Vanguard Index Fds	Added	+214	+$59.9K	9.0%

Showing the 10 largest of 19 changes.

Q1 2025

quarter ended March 31, 2025 · filed May 02, 2025

Company	Action	Shares changed	Value of change	% of portfolio
VI Vanguard Index Fds	Trimmed	−2,451	−$909K	27.9%
VI Vanguard Index Fds	Trimmed	−2,916	−$504K	20.0%
VI Vanguard Index Fds	Trimmed	−866	−$224K	9.1%
Consolidated Edison Inc	New	+1,847	+$204K	0.1%
PM Philip Morris Intl Inc	Trimmed	−1,000	−$159K	0.9%
II Icf Intl Inc	Trimmed	−1,238	−$105K	0.2%
VI Vanguard Index Fds	Trimmed	−361	−$99.2K	1.7%
VI Vanguard Index Fds	Trimmed	−337	−$74.7K	6.6%
VI Vanguard Index Fds	Trimmed	−356	−$66.3K	6.8%
TF Truist Finl Corp	Trimmed	−845	−$34.8K	0.4%

Showing the 10 largest of 20 changes.

Q4 2024

quarter ended December 31, 2024 · filed February 05, 2025

Company	Action	Shares changed	Value of change	% of portfolio
VI Vanguard Index Fds	Trimmed	−2,222	−$912K	29.9%
VI Vanguard Index Fds	Trimmed	−4,165	−$705K	18.9%
VI Vanguard Index Fds	Trimmed	−1,360	−$270K	6.9%
VI Vanguard Index Fds	Trimmed	−795	−$223K	5.5%
VI Vanguard Intl Equity Index F	Trimmed	−3,239	−$186K	3.8%
VI Vanguard Index Fds	Trimmed	−375	−$99K	9.0%
VI Vanguard Index Fds	Trimmed	−183	−$98.6K	2.6%
VI Vanguard Index Fds	Trimmed	−244	−$70.7K	1.8%
TF Truist Finl Corp	Trimmed	−1,260	−$54.7K	0.4%
VI Vanguard Index Fds	Trimmed	−180	−$48.5K	0.5%

Showing the 10 largest of 19 changes.

Comments