Defined Financial Planning

SAN RAFAEL, CAfiles as Defined Financial Planning LLC

$121m in 65 US stocks at the end of 30 September 2025. The top 10 are 58.9% of the money. It changed about 14.7% of the portfolio this quarter.

Value

$121m

Stocks

Top 10 share

58.9%

Turnover

14.7%

What changed this quarter

New

Bought for the first time this quarter.

Thor Finl Technologies TRTHIR
0.7% of the fund
State STR Spdr S&P 500 ETF TSPY
0.7% of the fund
Proshares TRSSO
0.5% of the fund
AbbVieABBV
0.2% of the fund
TJX CompaniesTJX
0.2% of the fund
CaterpillarCAT
0.2% of the fund
Warner Bros. DiscoveryWBD
0.1% of the fund
Telefonica S ATELFY
<0.1% of the fund

Added

Bought more of a stock they already held.

Schwab Strategic TRSCHG
11.8% of the fund
+11%
Wisdomtree TRDDWM
5.8% of the fund
+3146%
Wisdomtree TRAGGY
5.6% of the fund
+10%
Wisdomtree TRDON
3.5% of the fund
+25%
J P Morgan Exchange Traded FJBND
3.3% of the fund
+18%
Wisdomtree TRMTGP
3.1% of the fund
+23%
Wisdomtree TREES
2.4% of the fund
+33%
Vanguard BD Index FDSBIV
2.4% of the fund
+25%
Northern LTS FD TR IVBUYW
1.7% of the fund
+4%
Wisdomtree TREPI
1.6% of the fund
+9%
Wisdomtree TRQHY
1.4% of the fund
+11%
First TR Exchng Traded FD VIMARM
0.9% of the fund
+36%
AlphabetGOOGL
0.9% of the fund
+5%
First TR Exchng Traded FD VIDECM
0.8% of the fund
+36%
Spdr Gold TRGLD
0.7% of the fund
+35%
Meta PlatformsMETA
0.5% of the fund
+7%
First TR Exchng Traded FD VIBUFD
0.5% of the fund
+34%
McDonald'sMCD
0.4% of the fund
+20%
Eli LillyLLY
0.4% of the fund
+57%
JPMorgan ChaseJPM
0.4% of the fund
+7%
TeslaTSLA
0.4% of the fund
+6%
First TR Exchng Traded FD VIOCTM
0.3% of the fund
+42%
First TR Exchng Traded FD VISEPM
0.3% of the fund
+36%
First TR Exchng Traded FD VIJUNM
0.3% of the fund
+37%
Johnson & JohnsonJNJ
0.3% of the fund
+3%

Cut

Sold some of their stake.

Wisdomtree TRDGRW
7.8% of the fund
-15%
J P Morgan Exchange Traded FJVAL
6.2% of the fund
-4%
Northern LTS FD TR IVSECT
5.4% of the fund
-12%
Spdr Index SHS FDSSPDW
5.0% of the fund
-2%
Wisdomtree TRXSOE
4.4% of the fund
-5%
Wisdomtree TRUSMF
3.5% of the fund
-24%
MicrosoftMSFT
2.6% of the fund
-4%
Amazon.comAMZN
1.1% of the fund
-6%
BroadcomAVGO
0.9% of the fund
-6%
AlphabetGOOG
0.5% of the fund
-21%
International Business MachinesIBM
0.4% of the fund
-3%
Procter & GamblePG
0.3% of the fund
-3%
ExxonMobil HoldingsXOM
0.2% of the fund
-8%
VisaV
0.2% of the fund
-7%
WalmartWMT
0.2% of the fund
-22%
Ishares Bitcoin Trust ETFIBIT
0.2% of the fund
-59%
Coca-ColaKO
0.2% of the fund
-3%
American ExpressAXP
0.2% of the fund
-14%
Lam ResearchLRCX
0.2% of the fund
-24%
Costco WholesaleCOST
0.2% of the fund
-15%
Shenandoah TelecommunicationsSHEN
0.1% of the fund
-64%

Sold out

Sold their entire stake.

Wisdomtree TRHEDJ
-100%
Wisdomtree TRDXJ
-100%
Graniteshares Gold TRBAR
-100%
Proshares TRTQQQ
-100%
Texas InstrumentsTXN
-100%
Vanguard Index FDSVUG
-100%
Ishares TRIVV
-100%
Ishares TRIJH
-100%
Ishares TRUSMV
-100%
Wisdomtree TRUSDU
-100%
Listed FDS TRMAGS
-100%

Holdings

Schwab Strategic TRSCHG
Share
11.8%
Value
$14m
Shares
436,270
+11%
Wisdomtree TRDGRW
Share
7.8%
Value
$9m
Shares
105,749
-15%
J P Morgan Exchange Traded FJVAL
Share
6.2%
Value
$7m
Shares
155,620
-4%
Wisdomtree TRDDWM
Share
5.8%
Value
$7m
Shares
164,875
+3146%
Wisdomtree TRAGGY
Share
5.6%
Value
$7m
Shares
152,014
+10%
Northern LTS FD TR IVSECT
Share
5.4%
Value
$7m
Shares
102,705
-12%
Spdr Index SHS FDSSPDW
Share
5.0%
Value
$6m
Shares
138,870
-2%
Wisdomtree TRXSOE
Share
4.4%
Value
$5m
Shares
136,181
-5%
Wisdomtree TRDON
Share
3.5%
Value
$4m
Shares
81,593
+25%
Wisdomtree TRUSMF
Share
3.5%
Value
$4m
Shares
80,252
-24%
J P Morgan Exchange Traded FJBND
Share
3.3%
Value
$4m
Shares
74,543
+18%
Wisdomtree TRMTGP
Share
3.1%
Value
$4m
Shares
84,968
+23%
NvidiaNVDA
Share
2.9%
Value
$3m
Shares
18,502
Held
AppleAAPL
Share
2.7%
Value
$3m
Shares
12,552
Held
MicrosoftMSFT
Share
2.6%
Value
$3m
Shares
5,912
-4%
Wisdomtree TREES
Share
2.4%
Value
$3m
Shares
51,262
+33%
Vanguard BD Index FDSBIV
Share
2.4%
Value
$3m
Shares
36,330
+25%
Northern LTS FD TR IVBUYW
Share
1.7%
Value
$2m
Shares
147,399
+4%
Wisdomtree TREPI
Share
1.6%
Value
$2m
Shares
44,468
+9%
Wisdomtree TRQHY
Share
1.4%
Value
$2m
Shares
35,259
+11%
Amazon.comAMZN
Share
1.1%
Value
$1m
Shares
5,636
-6%
First TR Exchng Traded FD VIMARM
Share
0.9%
Value
$1m
Shares
35,053
+36%
BroadcomAVGO
Share
0.9%
Value
$1m
Shares
3,261
-6%
AlphabetGOOGL
Share
0.9%
Value
$1m
Shares
4,419
+5%
First TR Exchng Traded FD VIDECM
Share
0.8%
Value
$956,652
Shares
29,595
+36%
Spdr Gold TRGLD
Share
0.7%
Value
$890,914
Shares
2,393
+35%
Thor Finl Technologies TRTHIR
Share
0.7%
Value
$870,422
Shares
27,389
New
State STR Spdr S&P 500 ETF TSPY
Share
0.7%
Value
$835,330
Shares
1,241
New
Meta PlatformsMETA
Share
0.5%
Value
$586,475
Shares
817
+7%
AlphabetGOOG
Share
0.5%
Value
$585,668
Shares
2,386
-21%
First TR Exchng Traded FD VIBUFD
Share
0.5%
Value
$578,259
Shares
20,872
+34%
Proshares TRSSO
Share
0.5%
Value
$558,208
Shares
4,882
New
McDonald'sMCD
Share
0.4%
Value
$506,957
Shares
1,722
+20%
Eli LillyLLY
Share
0.4%
Value
$482,060
Shares
570
+57%
JPMorgan ChaseJPM
Share
0.4%
Value
$461,518
Shares
1,518
+7%
TeslaTSLA
Share
0.4%
Value
$441,761
Shares
1,007
+6%
International Business MachinesIBM
Share
0.4%
Value
$437,374
Shares
1,511
-3%
EatonETN
Share
0.3%
Value
$382,727
Shares
1,016
Held
First TR Exchng Traded FD VIOCTM
Share
0.3%
Value
$382,231
Shares
11,858
+42%
First TR Exchng Traded FD VISEPM
Share
0.3%
Value
$381,775
Shares
12,116
+36%
First TR Exchng Traded FD VIJUNM
Share
0.3%
Value
$381,306
Shares
11,253
+37%
Johnson & JohnsonJNJ
Share
0.3%
Value
$365,343
Shares
1,926
+3%
Procter & GamblePG
Share
0.3%
Value
$364,067
Shares
2,416
-3%
NetflixNFLX
Share
0.3%
Value
$339,990
Shares
280
+17%
ExxonMobil HoldingsXOM
Share
0.2%
Value
$297,022
Shares
2,605
-8%
VisaV
Share
0.2%
Value
$294,791
Shares
839
-7%
ExelonEXC
Share
0.2%
Value
$290,629
Shares
6,234
Held
Berkshire HathawayBRK-B
Share
0.2%
Value
$282,909
Shares
566
+6%
WalmartWMT
Share
0.2%
Value
$282,461
Shares
2,745
-22%
Ishares Bitcoin Trust ETFIBIT
Share
0.2%
Value
$280,590
Shares
4,005
-59%
Coca-ColaKO
Share
0.2%
Value
$278,894
Shares
4,218
-3%
Cisco SystemsCSCO
Share
0.2%
Value
$275,694
Shares
3,920
+2%
American ExpressAXP
Share
0.2%
Value
$256,789
Shares
793
-14%
OracleORCL
Share
0.2%
Value
$251,685
Shares
872
Held
Arthur J. GallagherAJG
Share
0.2%
Value
$245,552
Shares
800
Held
AbbVieABBV
Share
0.2%
Value
$244,883
Shares
1,059
New
Lam ResearchLRCX
Share
0.2%
Value
$241,890
Shares
1,697
-24%
MastercardMA
Share
0.2%
Value
$233,458
Shares
405
Held
Automatic Data ProcessingADP
Share
0.2%
Value
$222,676
Shares
766
Held
TJX CompaniesTJX
Share
0.2%
Value
$212,613
Shares
1,511
New
Costco WholesaleCOST
Share
0.2%
Value
$211,319
Shares
231
-15%
CaterpillarCAT
Share
0.2%
Value
$210,890
Shares
420
New
Warner Bros. DiscoveryWBD
Share
0.1%
Value
$180,367
Shares
10,082
New
Shenandoah TelecommunicationsSHEN
Share
0.1%
Value
$150,892
Shares
10,958
-64%
Telefonica S ATELFY
Share
<0.1%
Value
$91,981
Shares
18,433
New

Company	Share of fund	Value	Shares	Change
Schwab Strategic TRSCHG	11.8%	$14m	436,270	+11%
Wisdomtree TRDGRW	7.8%	$9m	105,749	-15%
J P Morgan Exchange Traded FJVAL	6.2%	$7m	155,620	-4%
Wisdomtree TRDDWM	5.8%	$7m	164,875	+3146%
Wisdomtree TRAGGY	5.6%	$7m	152,014	+10%
Northern LTS FD TR IVSECT	5.4%	$7m	102,705	-12%
Spdr Index SHS FDSSPDW	5.0%	$6m	138,870	-2%
Wisdomtree TRXSOE	4.4%	$5m	136,181	-5%
Wisdomtree TRDON	3.5%	$4m	81,593	+25%
Wisdomtree TRUSMF	3.5%	$4m	80,252	-24%
J P Morgan Exchange Traded FJBND	3.3%	$4m	74,543	+18%
Wisdomtree TRMTGP	3.1%	$4m	84,968	+23%
NvidiaNVDA	2.9%	$3m	18,502	Held
AppleAAPL	2.7%	$3m	12,552	Held
MicrosoftMSFT	2.6%	$3m	5,912	-4%
Wisdomtree TREES	2.4%	$3m	51,262	+33%
Vanguard BD Index FDSBIV	2.4%	$3m	36,330	+25%
Northern LTS FD TR IVBUYW	1.7%	$2m	147,399	+4%
Wisdomtree TREPI	1.6%	$2m	44,468	+9%
Wisdomtree TRQHY	1.4%	$2m	35,259	+11%
Amazon.comAMZN	1.1%	$1m	5,636	-6%
First TR Exchng Traded FD VIMARM	0.9%	$1m	35,053	+36%
BroadcomAVGO	0.9%	$1m	3,261	-6%
AlphabetGOOGL	0.9%	$1m	4,419	+5%
First TR Exchng Traded FD VIDECM	0.8%	$956,652	29,595	+36%
Spdr Gold TRGLD	0.7%	$890,914	2,393	+35%
Thor Finl Technologies TRTHIR	0.7%	$870,422	27,389	New
State STR Spdr S&P 500 ETF TSPY	0.7%	$835,330	1,241	New
Meta PlatformsMETA	0.5%	$586,475	817	+7%
AlphabetGOOG	0.5%	$585,668	2,386	-21%
First TR Exchng Traded FD VIBUFD	0.5%	$578,259	20,872	+34%
Proshares TRSSO	0.5%	$558,208	4,882	New
McDonald'sMCD	0.4%	$506,957	1,722	+20%
Eli LillyLLY	0.4%	$482,060	570	+57%
JPMorgan ChaseJPM	0.4%	$461,518	1,518	+7%
TeslaTSLA	0.4%	$441,761	1,007	+6%
International Business MachinesIBM	0.4%	$437,374	1,511	-3%
EatonETN	0.3%	$382,727	1,016	Held
First TR Exchng Traded FD VIOCTM	0.3%	$382,231	11,858	+42%
First TR Exchng Traded FD VISEPM	0.3%	$381,775	12,116	+36%
First TR Exchng Traded FD VIJUNM	0.3%	$381,306	11,253	+37%
Johnson & JohnsonJNJ	0.3%	$365,343	1,926	+3%
Procter & GamblePG	0.3%	$364,067	2,416	-3%
NetflixNFLX	0.3%	$339,990	280	+17%
ExxonMobil HoldingsXOM	0.2%	$297,022	2,605	-8%
VisaV	0.2%	$294,791	839	-7%
ExelonEXC	0.2%	$290,629	6,234	Held
Berkshire HathawayBRK-B	0.2%	$282,909	566	+6%
WalmartWMT	0.2%	$282,461	2,745	-22%
Ishares Bitcoin Trust ETFIBIT	0.2%	$280,590	4,005	-59%
Coca-ColaKO	0.2%	$278,894	4,218	-3%
Cisco SystemsCSCO	0.2%	$275,694	3,920	+2%
American ExpressAXP	0.2%	$256,789	793	-14%
OracleORCL	0.2%	$251,685	872	Held
Arthur J. GallagherAJG	0.2%	$245,552	800	Held
AbbVieABBV	0.2%	$244,883	1,059	New
Lam ResearchLRCX	0.2%	$241,890	1,697	-24%
MastercardMA	0.2%	$233,458	405	Held
Automatic Data ProcessingADP	0.2%	$222,676	766	Held
TJX CompaniesTJX	0.2%	$212,613	1,511	New
Costco WholesaleCOST	0.2%	$211,319	231	-15%
CaterpillarCAT	0.2%	$210,890	420	New
Warner Bros. DiscoveryWBD	0.1%	$180,367	10,082	New
Shenandoah TelecommunicationsSHEN	0.1%	$150,892	10,958	-64%
Telefonica S ATELFY	<0.1%	$91,981	18,433	New

Over time and by industry

Value over time

Sep '25

Value is up 7.1% since 30 June 2025.

Where the money is

Technology10.1%

Media & telecom2.4%

Retail & consumer2.0%

Financial services1.5%

Everyday goods0.9%

Health care0.9%

Industrials0.7%

Energy0.2%

Utilities0.2%

Other81.0%

From the fund's 13F filings. They list US stocks and options only, 45 days after each quarter, and leave out cash, bonds, shorts and foreign shares.