President and CCO

0001085146-24-002264.txt : 20240506 0001085146-24-002264.hdr.sgml : 20240506 20240506125613 ACCESSION NUMBER: 0001085146-24-002264 CONFORMED SUBMISSION TYPE: 13F-HR PUBLIC DOCUMENT COUNT: 2 CONFORMED PERIOD OF REPORT: 20240331 FILED AS OF DATE: 20240506 DATE AS OF CHANGE: 20240506 EFFECTIVENESS DATE: 20240506 FILER: COMPANY DATA: COMPANY CONFORMED NAME: Sterling Financial Planning, Inc. CENTRAL INDEX KEY: 0001844278 ORGANIZATION NAME: IRS NUMBER: 223201890 STATE OF INCORPORATION: NJ FISCAL YEAR END: 1231 FILING VALUES: FORM TYPE: 13F-HR SEC ACT: 1934 Act SEC FILE NUMBER: 028-20642 FILM NUMBER: 24916666 BUSINESS ADDRESS: STREET 1: 60 BLUE HERON ROAD, SUITE 201 CITY: SPARTA STATE: NJ ZIP: 07871 BUSINESS PHONE: (973) 729-1234 MAIL ADDRESS: STREET 1: 60 BLUE HERON ROAD, SUITE 201 CITY: SPARTA STATE: NJ ZIP: 07871 13F-HR 1 primary_doc.xml X0202 13F-HR LIVE false false false 0001844278 XXXXXXXX 03-31-2024 03-31-2024 false Sterling Financial Planning, Inc.

60 BLUE HERON ROAD, SUITE 201 SPARTA NJ 07871

13F HOLDINGS REPORT 028-20642 000108664 801-56025 N Nicholas Nicolette President and CCO 973-729-1234 /s/Nicholas Nicolette Sparta NJ 05-06-2024 0 105 246817704 false INFORMATION TABLE 2 infotable.xml INFORMATION TABLE 3M CO COM 88579Y101 BBG001S5T7X2 320500 3022 SH SOLE 0 0 3022 ABBVIE INC COM 00287Y109 BBG0025Y4RZ3 382774 2102 SH SOLE 0 0 2102 ALPHABET INC CAP STK CL A 02079K305 BBG009S39JY5 434226 2877 SH SOLE 0 0 2877 ALPHABET INC CAP STK CL C 02079K107 BBG009S3NB21 303150 1991 SH SOLE 0 0 1991 AMAZON COM INC COM 023135106 BBG001S5PQL7 544387 3018 SH SOLE 0 0 3018 APPLE INC COM 037833100 BBG001S5N8V8 2608183 15210 SH SOLE 0 0 15210 BECTON DICKINSON & CO COM 075887109 BBG001S5P374 981238 3965 SH SOLE 0 0 3965 BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 BBG001S90346 978971 2328 SH SOLE 0 0 2328 BLACKROCK ENHANCED EQUITY DI COM 09251A104 BBG001SK5462 114106 13831 SH SOLE 0 0 13831 CARRIER GLOBAL CORPORATION COM 14448C104 BBG00RP5HZM1 290650 5000 SH SOLE 0 0 5000 CATERPILLAR INC COM 149123101 BBG001S5PJ06 308168 841 SH SOLE 0 0 841 CHEVRON CORP NEW COM 166764100 BBG001S67ZC5 252969 1604 SH SOLE 0 0 1604 COSTCO WHSL CORP NEW COM 22160K105 BBG001S9KRQ7 889439 1214 SH SOLE 0 0 1214 DEERE & CO COM 244199105 BBG001S5QFF7 679775 1655 SH SOLE 0 0 1655 DIMENSIONAL ETF TRUST EMERGING MKTS VA 25434V740 BBG017158GJ6 3053035 117605 SH SOLE 60 0 117545 DIMENSIONAL ETF TRUST GLOBAL REAL EST 25434V658 BBG01BN60P09 2954303 115719 SH SOLE 2427 0 113291 DIMENSIONAL ETF TRUST INFLATION PROTE 25434V856 BBG01254K0G0 3940518 95528 SH SOLE 0 0 95528 DIMENSIONAL ETF TRUST INTERNATNAL VAL 25434V807 BBG012G21Y06 8834702 240400 SH SOLE 701 0 239699 DIMENSIONAL ETF TRUST INTL SMALL CAP E 25434V773 BBG01633DW64 328502 13109 SH SOLE 0 0 13109 DIMENSIONAL ETF TRUST INTL SMALL CAP V 25434V781 BBG01633Y2Y6 5287078 194449 SH SOLE 1841 0 192608 DIMENSIONAL ETF TRUST US EQUITY ETF 25434V401 BBG011DXXNJ2 237322 4165 SH SOLE 0 0 4165 DIMENSIONAL ETF TRUST US REAL ESTATE E 25434V823 BBG015GTL6R0 881690 39414 SH SOLE 0 0 39414 DIMENSIONAL ETF TRUST US SMALL CAP VAL 25434V815 BBG015DG3GG1 4622071 153557 SH SOLE 0 0 153557 ELI LILLY & CO COM 532457108 BBG001S5STL8 671435 863 SH SOLE 0 0 863 EVERSOURCE ENERGY COM 30040W108 BBG001S5TRL1 206326 3452 SH SOLE 0 0 3452 EXXON MOBIL CORP COM 30231G102 BBG001S69V32 1246496 10723 SH SOLE 0 0 10723 GENERAL DYNAMICS CORP COM 369550108 BBG001S5RHP1 307579 1089 SH SOLE 0 0 1089 GUINNESS ATKINSON FDS SMARTETFS DIVID 402031835 BBG00ZV187J1 256377 9376 SH SOLE 0 0 9376 HOME DEPOT INC COM 437076102 BBG001S5RTW7 525399 1370 SH SOLE 0 0 1370 INNOVATOR ETFS TRUST US EQT ACC 9 BFR 45783Y780 BBG01462XRD9 5113456 189597 SH SOLE 1988 0 187609 INNOVATOR ETFS TRUST US EQT ULTRA BF 45782C672 BBG00PVP3G50 275762 8446 SH SOLE 0 0 8446 INNOVATOR ETFS TRUST US EQTY PWR BUF 45782C508 BBG00MYXKL20 651612 16661 SH SOLE 0 0 16661 INTERNATIONAL BUSINESS MACHS COM 459200101 BBG001S5S399 420203 2200 SH SOLE 0 0 2200 INVESCO EXCH TRADED FD TR II S&P INTL QULTY 46138E214 BBG001SS78M6 231576 7551 SH SOLE 0 0 7551 INVESCO EXCHANGE TRADED FD T FTSE RAFI 1000 46137V613 BBG001S6H5N8 1410027 36653 SH SOLE 0 0 36653 INVESCO EXCHANGE TRADED FD T FTSE RAFI 1500 46137V597 BBG001SPSDJ2 643836 16391 SH SOLE 0 0 16391 INVESCO EXCHANGE TRADED FD T S&P500 EQL WGT 46137V357 BBG00KJR2NN7 546661 3228 SH SOLE 0 0 3228 INVESCO QQQ TR UNIT SER 1 46090E103 BBG001S9GN63 2850850 6421 SH SOLE 0 0 6421 ISHARES GOLD TR ISHARES NEW 464285204 BBG001SJK6D5 14623828 348104 SH SOLE 1462 0 346642 ISHARES TR CORE S&P MCP ETF 464287507 BBG001SFC7V0 4761045 78384 SH SOLE 0 0 78384 ISHARES TR CORE S&P SCP ETF 464287804 BBG001SFC7W9 1356298 12272 SH SOLE 0 0 12272 ISHARES TR CORE S&P500 ETF 464287200 BBG001SFB7R6 6818397 12969 SH SOLE 0 0 12969 ISHARES TR EAFE GRWTH ETF 464288885 BBG001SP62C7 3993657 38478 SH SOLE 10 0 38468 ISHARES TR EAFE SML CP ETF 464288273 BBG001SYVWS7 1513019 23891 SH SOLE 0 0 23891 ISHARES TR INTL SEL DIV ETF 464288448 BBG001S7Y5C9 3235536 115390 SH SOLE 717 0 114673 ISHARES TR JPMORGAN USD EMG 464288281 BBG001SQS9Y2 388876 4337 SH SOLE 0 0 4337 ISHARES TR MSCI USA QLT FCT 46432F339 BBG004TRTWW3 368868 2244 SH SOLE 0 0 2244 ISHARES TR NATIONAL MUN ETF 464288414 BBG001SZV978 2872868 26700 SH SOLE 0 0 26700 ISHARES TR S&P 500 GRWT ETF 464287309 BBG001S561Q8 13868724 164244 SH SOLE 326 0 163918 ISHARES TR S&P 500 VAL ETF 464287408 BBG001S561K4 4620392 24733 SH SOLE 293 0 24440 ISHARES TR S&P MC 400GR ETF 464287606 BBG001SFQL08 14484568 158735 SH SOLE 0 0 158735 ISHARES TR S&P MC 400VL ETF 464287705 BBG001SFQJM9 15332716 129620 SH SOLE 0 0 129620 ISHARES TR S&P SML 600 GWT 464287887 BBG001SFQL44 14179560 108464 SH SOLE 0 0 108464 ISHARES TR SELECT DIVID ETF 464287168 BBG001SDJVG2 266646 2165 SH SOLE 0 0 2165 ISHARES TR SP SMCP600VL ETF 464287879 BBG001SFQL26 8671934 84390 SH SOLE 0 0 84390 ISHARES TR TIPS BD ETF 464287176 BBG001SD9RM5 1553567 14464 SH SOLE 0 0 14464 ISHARES TR U.S. MED DVC ETF 464288810 BBG001SQZT52 289610 4943 SH SOLE 0 0 4943 ISHARES TR US TREAS BD ETF 46429B267 BBG002NCKPP8 3502597 153825 SH SOLE 0 0 153825 JOHNSON & JOHNSON COM 478160104 BBG001S5SHQ9 1600250 10116 SH SOLE 0 0 10116 JPMORGAN CHASE & CO COM 46625H100 BBG001S8CRC3 401802 2006 SH SOLE 0 0 2006 LAKELAND BANCORP INC COM 511637100 BBG001S93HH8 747417 61770 SH SOLE 0 0 61770 LAM RESEARCH CORP COM 512807108 BBG001S5SW40 215689 222 SH SOLE 0 0 222 LOWES COS INC COM 548661107 BBG001S5SVL3 302874 1189 SH SOLE 0 0 1189 MCDONALDS CORP COM 580135101 BBG001S5T110 550031 1951 SH SOLE 0 0 1951 MERCK & CO INC COM 58933Y105 BBG001S5TC52 277623 2104 SH SOLE 0 0 2104 META PLATFORMS INC CL A 30303M102 BBG001SQCQC5 756144 1557 SH SOLE 0 0 1557 MICROSOFT CORP COM 594918104 BBG001S5TD05 1393374 3312 SH SOLE 0 0 3312 OTIS WORLDWIDE CORP COM 68902V107 BBG00RP60LN7 248175 2500 SH SOLE 0 0 2500 PEPSICO INC COM 713448108 BBG001S695T1 504115 2880 SH SOLE 0 0 2880 PROCTER AND GAMBLE CO COM 742718109 BBG001S5V4L9 571445 3522 SH SOLE 0 0 3522 REALTY INCOME CORP COM 756109104 BBG001S884K0 512871 9480 SH SOLE 0 0 9480 RTX CORPORATION COM 75513E101 BBG001S5X5Q9 502962 5157 SH SOLE 0 0 5157 SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706 BBG001T6L7D9 483656 19155 SH SOLE 1600 0 17555 SCHWAB STRATEGIC TR SCHWAB FDT US LG 808524771 BBG0051J0PJ9 9203165 136566 SH SOLE 0 0 136566 SCHWAB STRATEGIC TR SCHWB FDT INT SC 808524748 BBG0051QD594 2491379 70239 SH SOLE 0 0 70239 SELECTIVE INS GROUP INC COM 816300107 BBG001S5W2R6 1434275 13138 SH SOLE 0 0 13138 SPDR GOLD TR GOLD SHS 78463V107 BBG001SCPX28 3245439 15776 SH SOLE 22 0 15754 SPDR S&P 500 ETF TR TR UNIT 78462F103 BBG001S72SM3 1408952 2694 SH SOLE 0 0 2694 SPDR SER TR BLOOMBERG 1-3 MO 78468R663 BBG001STKCW9 250798 2732 SH SOLE 0 0 2732 SPDR SER TR S&P 400 MDCP GRW 78464A821 BBG001SPTBN0 272454 3121 SH SOLE 0 0 3121 SPDR SER TR S&P 400 MDCP VAL 78464A839 BBG001SPTBM1 499213 6569 SH SOLE 0 0 6569 UNITED PARCEL SERVICE INC CL B 911312106 BBG001SDGSH1 386358 2599 SH SOLE 0 0 2599 VANGUARD BD INDEX FDS INTERMED TERM 921937819 BBG001ST39R1 6150498 81572 SH SOLE 110 0 81461 VANGUARD BD INDEX FDS SHORT TRM BOND 921937827 BBG001ST39Q2 3307962 43145 SH SOLE 0 0 43145 VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835 BBG001SK7DK4 1090519 15015 SH SOLE 0 0 15015 VANGUARD CHARLOTTE FDS TOTAL INT BD ETF 92203J407 BBG004N1LGK2 1345244 27348 SH SOLE 0 0 27348 VANGUARD INDEX FDS GROWTH ETF 922908736 BBG001SHTTS4 589429 1712 SH SOLE 0 0 1712 VANGUARD INDEX FDS MCAP GR IDXVIP 922908538 BBG001SRN7S6 2248778 9537 SH SOLE 0 0 9537 VANGUARD INDEX FDS MCAP VL IDXVIP 922908512 BBG001SRN7W1 3258870 20902 SH SOLE 0 0 20902 VANGUARD INDEX FDS MID CAP ETF 922908629 BBG001SHVTS1 482871 1933 SH SOLE 0 0 1933 VANGUARD INDEX FDS REAL ESTATE ETF 922908553 BBG001SMD2X3 2885953 33371 SH SOLE 0 0 33371 VANGUARD INDEX FDS SM CP VAL ETF 922908611 BBG001SHVTR2 2462890 12836 SH SOLE 0 0 12836 VANGUARD INDEX FDS SML CP GRW ETF 922908595 BBG001SHTTW9 2358114 9045 SH SOLE 0 0 9045 VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 BBG001SHTTZ6 419047 10032 SH SOLE 0 0 10032 VANGUARD MALVERN FDS STRM INFPROIDX 922020805 BBG003H12XS7 1549569 32357 SH SOLE 0 0 32357 VANGUARD MUN BD FDS TAX EXEMPT BD 922907746 BBG009THVRX1 2253040 44526 SH SOLE 0 0 44526 VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409 BBG001T62KZ7 1598954 20682 SH SOLE 0 0 20682 VANGUARD SCOTTSDALE FDS VNG RUS1000VAL 92206C714 BBG001TCH581 210903 2682 SH SOLE 0 0 2682 VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844 BBG001SQX4T3 612580 3355 SH SOLE 0 0 3355 VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858 BBG001SSPWL4 1772290 35326 SH SOLE 0 0 35326 VANGUARD WELLINGTON FD SHORT TRM TAX EX 921935870 BBG01FQJQMT7 2184310 21691 SH SOLE 0 0 21691 VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406 BBG001SS0V24 8055454 66580 SH SOLE 155 0 66425 VERIZON COMMUNICATIONS INC COM 92343V104 BBG001S67QY1 208296 4964 SH SOLE 0 0 4964 VISA INC COM CL A 92826C839 BBG001SRCFY3 286615 1027 SH SOLE 0 0 1027 WISDOMTREE TR EMG MKTS SMCAP 97717W281 BBG001SRPT24 1936999 38085 SH SOLE 0 0 38085