Pearl Planning

DEXTER, MIfiles as Pearl Planning LLC

$217m in 58 US stocks at the end of 30 June 2026. The top 10 are 72.4% of the money. It changed about 4.0% of the portfolio this quarter.

Value

$217m

Stocks

Top 10 share

72.4%

Turnover

4.0%

What changed this quarter

New

Bought for the first time this quarter.

Micron TechnologyMU
0.1% of the fund
Ishares TRMTUM
0.1% of the fund
American Centy ETF TRAVSD
0.1% of the fund
Spdr Series TrustSHE
0.1% of the fund
AlphabetGOOG
0.1% of the fund
Texas InstrumentsTXN
<0.1% of the fund

Added

Bought more of a stock they already held.

Vanguard Index FDSVOO
14.4% of the fund
+6%
American Centy ETF TRAVDE
10.7% of the fund
+13%
J P Morgan Exchange Traded FJPIE
8.3% of the fund
+9%
Fidelity Merrimack STR TRFBND
8.1% of the fund
+10%
Vanguard Index FDSVO
6.8% of the fund
+4%
Ishares TRDGRO
4.0% of the fund
+7%
American Centy ETF TRAVUV
3.8% of the fund
+2%
Vanguard World FDESGV
3.7% of the fund
+3%
Invesco Exch Traded FD TR IIQQQM
3.1% of the fund
+7%
Vanguard BD Index FDSBSV
1.7% of the fund
+17%
Vanguard World FDVCEB
1.6% of the fund
+34%
Invesco Exch Traded FD TR IIQQMG
1.5% of the fund
+10%
Ishares TRESML
1.2% of the fund
+8%
Invesco Exch Traded FD TR IIIDMO
0.7% of the fund
+51%
Vanguard Tax-Managed FDSVEA
0.4% of the fund
+2%
MicrosoftMSFT
0.2% of the fund
+6%
NvidiaNVDA
0.2% of the fund
+13%
AlphabetGOOGL
0.1% of the fund
+17%
Amazon.comAMZN
0.1% of the fund
+18%
BroadcomAVGO
0.1% of the fund
+3%

Cut

Sold some of their stake.

Vanguard Index FDSVTV
7.0% of the fund
-4%
EA Series TrustFRDM
5.7% of the fund
-4%
EA Series TrustBOXX
2.1% of the fund
-22%
Spdr Series TrustBIL
1.4% of the fund
-3%
Vanguard BD Index FDSBND
0.8% of the fund
-15%
Ishares TRQUAL
0.5% of the fund
-8%
Vanguard BD Index FDSBIV
0.5% of the fund
-6%
Ishares TRIJH
0.3% of the fund
-8%
International Business MachinesIBM
0.3% of the fund
-7%
Meta PlatformsMETA
0.2% of the fund
-4%

Sold out

Sold their entire stake.

None this quarter.

Holdings

Vanguard Index FDSVOO
Share
14.4%
Value
$31m
Shares
45,453
+6%
American Centy ETF TRAVDE
Share
10.7%
Value
$23m
Shares
261,773
+13%
J P Morgan Exchange Traded FJPIE
Share
8.3%
Value
$18m
Shares
391,356
+9%
Fidelity Merrimack STR TRFBND
Share
8.1%
Value
$18m
Shares
385,581
+10%
Vanguard Index FDSVTV
Share
7.0%
Value
$15m
Shares
70,334
-4%
Vanguard Index FDSVO
Share
6.8%
Value
$15m
Shares
183,166
+4%
EA Series TrustFRDM
Share
5.7%
Value
$12m
Shares
169,045
-4%
Ishares TRDGRO
Share
4.0%
Value
$9m
Shares
113,556
+7%
American Centy ETF TRAVUV
Share
3.8%
Value
$8m
Shares
66,705
+2%
Vanguard World FDESGV
Share
3.7%
Value
$8m
Shares
60,619
+3%
Invesco Exch Traded FD TR IIQQQM
Share
3.1%
Value
$7m
Shares
22,592
+7%
T Rowe Price Exchange-TradedTMSL
Share
2.5%
Value
$5m
Shares
122,457
Held
EA Series TrustBOXX
Share
2.1%
Value
$5m
Shares
39,213
-22%
Invesco QQQ TRQQQ
Share
1.7%
Value
$4m
Shares
4,898
Held
Vanguard BD Index FDSBSV
Share
1.7%
Value
$4m
Shares
46,281
+17%
Vanguard World FDVCEB
Share
1.6%
Value
$3m
Shares
55,415
+34%
Invesco Exch Traded FD TR IIQQMG
Share
1.5%
Value
$3m
Shares
62,588
+10%
Spdr Series TrustBIL
Share
1.4%
Value
$3m
Shares
32,596
-3%
Ishares TRESML
Share
1.2%
Value
$3m
Shares
46,809
+8%
Ishares TRMUB
Share
0.8%
Value
$2m
Shares
17,146
Held
Vanguard BD Index FDSBND
Share
0.8%
Value
$2m
Shares
23,389
-15%
Invesco Exch Traded FD TR IIIDMO
Share
0.7%
Value
$2m
Shares
25,372
+51%
Ishares TRQUAL
Share
0.5%
Value
$1m
Shares
5,202
-8%
Vanguard BD Index FDSBIV
Share
0.5%
Value
$1m
Shares
14,191
-6%
Vanguard Index FDSVB
Share
0.5%
Value
$1m
Shares
3,445
Held
Ishares TRIVV
Share
0.5%
Value
$1m
Shares
1,348
Held
Vanguard Tax-Managed FDSVEA
Share
0.4%
Value
$878,421
Shares
12,329
+2%
American Centy ETF TRAVSC
Share
0.4%
Value
$829,109
Shares
11,305
Held
Invesco Exchange Traded FD TXMHQ
Share
0.4%
Value
$779,699
Shares
6,907
Held
Ishares TRAGG
Share
0.3%
Value
$738,292
Shares
7,459
Held
Ishares TRIJH
Share
0.3%
Value
$726,610
Shares
9,423
-8%
AppleAAPL
Share
0.3%
Value
$719,390
Shares
2,486
Held
International Business MachinesIBM
Share
0.3%
Value
$718,153
Shares
2,554
-7%
Ishares TRIWF
Share
0.3%
Value
$704,382
Shares
5,673
Held
Ishares TRIEFA
Share
0.2%
Value
$537,854
Shares
5,569
Held
Ishares TRILCV
Share
0.2%
Value
$534,446
Shares
5,279
Held
OracleORCL
Share
0.2%
Value
$437,159
Shares
2,983
Held
MicrosoftMSFT
Share
0.2%
Value
$427,065
Shares
1,145
+6%
Select Sector Spdr TRXLK
Share
0.2%
Value
$425,241
Shares
2,232
Held
TCW ETF TrustVOTE
Share
0.2%
Value
$419,786
Shares
4,761
Held
Republic ServicesRSG
Share
0.2%
Value
$396,968
Shares
1,863
Held
Meta PlatformsMETA
Share
0.2%
Value
$394,280
Shares
700
-4%
NvidiaNVDA
Share
0.2%
Value
$376,976
Shares
1,884
+13%
Vanguard Index FDSVBR
Share
0.2%
Value
$360,354
Shares
1,483
Held
RBB Fund TrustFEOE
Share
0.2%
Value
$336,740
Shares
6,306
Held
Ishares TRISTB
Share
0.2%
Value
$332,105
Shares
6,883
Held
AlphabetGOOGL
Share
0.1%
Value
$303,117
Shares
848
+17%
Amazon.comAMZN
Share
0.1%
Value
$300,568
Shares
1,261
+18%
Micron TechnologyMU
Share
0.1%
Value
$300,242
Shares
260
New
Vanguard Index FDSVTI
Share
0.1%
Value
$296,098
Shares
800
Held
Ishares TRESGU
Share
0.1%
Value
$283,476
Shares
1,732
Held
JPMorgan ChaseJPM
Share
0.1%
Value
$267,632
Shares
818
Held
Ishares TRMTUM
Share
0.1%
Value
$264,665
Shares
772
New
BroadcomAVGO
Share
0.1%
Value
$261,146
Shares
691
+3%
American Centy ETF TRAVSD
Share
0.1%
Value
$238,535
Shares
2,986
New
Spdr Series TrustSHE
Share
0.1%
Value
$226,409
Shares
1,466
New
AlphabetGOOG
Share
0.1%
Value
$225,841
Shares
639
New
Texas InstrumentsTXN
Share
<0.1%
Value
$214,623
Shares
720
New

Company	Share of fund	Value	Shares	Change
Vanguard Index FDSVOO	14.4%	$31m	45,453	+6%
American Centy ETF TRAVDE	10.7%	$23m	261,773	+13%
J P Morgan Exchange Traded FJPIE	8.3%	$18m	391,356	+9%
Fidelity Merrimack STR TRFBND	8.1%	$18m	385,581	+10%
Vanguard Index FDSVTV	7.0%	$15m	70,334	-4%
Vanguard Index FDSVO	6.8%	$15m	183,166	+4%
EA Series TrustFRDM	5.7%	$12m	169,045	-4%
Ishares TRDGRO	4.0%	$9m	113,556	+7%
American Centy ETF TRAVUV	3.8%	$8m	66,705	+2%
Vanguard World FDESGV	3.7%	$8m	60,619	+3%
Invesco Exch Traded FD TR IIQQQM	3.1%	$7m	22,592	+7%
T Rowe Price Exchange-TradedTMSL	2.5%	$5m	122,457	Held
EA Series TrustBOXX	2.1%	$5m	39,213	-22%
Invesco QQQ TRQQQ	1.7%	$4m	4,898	Held
Vanguard BD Index FDSBSV	1.7%	$4m	46,281	+17%
Vanguard World FDVCEB	1.6%	$3m	55,415	+34%
Invesco Exch Traded FD TR IIQQMG	1.5%	$3m	62,588	+10%
Spdr Series TrustBIL	1.4%	$3m	32,596	-3%
Ishares TRESML	1.2%	$3m	46,809	+8%
Ishares TRMUB	0.8%	$2m	17,146	Held
Vanguard BD Index FDSBND	0.8%	$2m	23,389	-15%
Invesco Exch Traded FD TR IIIDMO	0.7%	$2m	25,372	+51%
Ishares TRQUAL	0.5%	$1m	5,202	-8%
Vanguard BD Index FDSBIV	0.5%	$1m	14,191	-6%
Vanguard Index FDSVB	0.5%	$1m	3,445	Held
Ishares TRIVV	0.5%	$1m	1,348	Held
Vanguard Tax-Managed FDSVEA	0.4%	$878,421	12,329	+2%
American Centy ETF TRAVSC	0.4%	$829,109	11,305	Held
Invesco Exchange Traded FD TXMHQ	0.4%	$779,699	6,907	Held
Ishares TRAGG	0.3%	$738,292	7,459	Held
Ishares TRIJH	0.3%	$726,610	9,423	-8%
AppleAAPL	0.3%	$719,390	2,486	Held
International Business MachinesIBM	0.3%	$718,153	2,554	-7%
Ishares TRIWF	0.3%	$704,382	5,673	Held
Ishares TRIEFA	0.2%	$537,854	5,569	Held
Ishares TRILCV	0.2%	$534,446	5,279	Held
OracleORCL	0.2%	$437,159	2,983	Held
MicrosoftMSFT	0.2%	$427,065	1,145	+6%
Select Sector Spdr TRXLK	0.2%	$425,241	2,232	Held
TCW ETF TrustVOTE	0.2%	$419,786	4,761	Held
Republic ServicesRSG	0.2%	$396,968	1,863	Held
Meta PlatformsMETA	0.2%	$394,280	700	-4%
NvidiaNVDA	0.2%	$376,976	1,884	+13%
Vanguard Index FDSVBR	0.2%	$360,354	1,483	Held
RBB Fund TrustFEOE	0.2%	$336,740	6,306	Held
Ishares TRISTB	0.2%	$332,105	6,883	Held
AlphabetGOOGL	0.1%	$303,117	848	+17%
Amazon.comAMZN	0.1%	$300,568	1,261	+18%
Micron TechnologyMU	0.1%	$300,242	260	New
Vanguard Index FDSVTI	0.1%	$296,098	800	Held
Ishares TRESGU	0.1%	$283,476	1,732	Held
JPMorgan ChaseJPM	0.1%	$267,632	818	Held
Ishares TRMTUM	0.1%	$264,665	772	New
BroadcomAVGO	0.1%	$261,146	691	+3%
American Centy ETF TRAVSD	0.1%	$238,535	2,986	New
Spdr Series TrustSHE	0.1%	$226,409	1,466	New
AlphabetGOOG	0.1%	$225,841	639	New
Texas InstrumentsTXN	<0.1%	$214,623	720	New

Over time and by industry

Value over time

Dec '25

Jun '26

Value is up 33.0% since 31 December 2025.

Where the money is

Technology1.6%

Media & telecom0.4%

Industrials0.2%

Retail & consumer0.1%

Financial services0.1%

Other97.5%

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.