0001085146-22-001897.txt : 20220510 0001085146-22-001897.hdr.sgml : 20220510 20220509183711 ACCESSION NUMBER: 0001085146-22-001897 CONFORMED SUBMISSION TYPE: 13F-HR PUBLIC DOCUMENT COUNT: 2 CONFORMED PERIOD OF REPORT: 20220331 FILED AS OF DATE: 20220510 DATE AS OF CHANGE: 20220509 EFFECTIVENESS DATE: 20220510 FILER: COMPANY DATA: COMPANY CONFORMED NAME: Sterling Financial Planning, Inc. CENTRAL INDEX KEY: 0001844278 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: 22906637 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 13F-HR LIVE false false false 0001844278 XXXXXXXX 03-31-2022 03-31-2022 false Sterling Financial Planning, Inc.

60 BLUE HERON ROAD, SUITE 201 SPARTA NJ 07871

13F HOLDINGS REPORT 028-20642 N Nicholas Nicolette 973-729-1234 /s/Nicholas Nicolette Sparta NJ 05-09-2022 0 95 158833 false INFORMATION TABLE 2 infotable.xml INFORMATION TABLE ABBVIE INC COM 00287Y109 411 2536 SH SOLE 0 0 2536 ALPHABET INC CAP STK CL A 02079K305 559 201 SH SOLE 0 0 201 ALPHABET INC CAP STK CL C 02079K107 413 148 SH SOLE 0 0 148 AMAZON COM INC COM 023135106 795 244 SH SOLE 0 0 244 APPLE INC COM 037833100 2633 15081 SH SOLE 0 0 15081 AT&T INC COM 00206R102 201 8524 SH SOLE 0 0 8524 ATHERSYS INC NEW COM 04744L106 10 17000 SH SOLE 0 0 17000 AUTOMATIC DATA PROCESSING IN COM 053015103 244 1070 SH SOLE 0 0 1070 BECTON DICKINSON & CO COM 075887109 386 1450 SH SOLE 0 0 1450 BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 1048 2971 SH SOLE 0 0 2971 CATERPILLAR INC COM 149123101 212 950 SH SOLE 0 0 950 CHARLES RIV LABS INTL INC COM 159864107 212 745 SH SOLE 0 0 745 CHEVRON CORP NEW COM 166764100 329 2018 SH SOLE 0 0 2018 COSTCO WHSL CORP NEW COM 22160K105 468 813 SH SOLE 0 0 813 CUMBERLAND PHARMACEUTICALS I COM 230770109 62 22031 SH SOLE 0 0 22031 DEERE & CO COM 244199105 754 1814 SH SOLE 0 0 1814 EXXON MOBIL CORP COM 30231G102 1074 13007 SH SOLE 0 0 13007 GENERAL DYNAMICS CORP COM 369550108 299 1238 SH SOLE 0 0 1238 GUINNESS ATKINSON FDS SMARTETFS DIVID 402031835 309 11955 SH SOLE 0 0 11955 HOME DEPOT INC COM 437076102 384 1282 SH SOLE 0 0 1282 INNOVATOR ETFS TR US EQT ACC 9 BFR 45783Y780 308 12752 SH SOLE 0 0 12752 INNOVATOR ETFS TR US EQTY PWR BUF 45782C508 569 17484 SH SOLE 0 0 17484 INTERNATIONAL BUSINESS MACHS COM 459200101 295 2269 SH SOLE 0 0 2269 INVESCO EXCH TRADED FD TR II S&P INTL QULTY 46138E214 203 7105 SH SOLE 0 0 7105 INVESCO EXCHANGE TRADED FD T FTSE RAFI 1000 46137V613 1417 8296 SH SOLE 0 0 8296 INVESCO EXCHANGE TRADED FD T FTSE RAFI 1500 46137V597 1068 5846 SH SOLE 0 0 5846 INVESCO EXCHANGE TRADED FD T S&P500 EQL WGT 46137V357 532 3370 SH SOLE 0 0 3370 INVESCO QQQ TR UNIT SER 1 46090E103 969 2673 SH SOLE 0 0 2673 ISHARES GOLD TR ISHARES NEW 464285204 9945 270026 SH SOLE 0 0 270026 ISHARES TR CORE S&P MCP ETF 464287507 5756 21452 SH SOLE 0 0 21452 ISHARES TR CORE S&P SCP ETF 464287804 1952 18093 SH SOLE 0 0 18093 ISHARES TR CORE S&P500 ETF 464287200 5287 11653 SH SOLE 0 0 11653 ISHARES TR EAFE GRWTH ETF 464288885 2307 23961 SH SOLE 0 0 23961 ISHARES TR EAFE SML CP ETF 464288273 1165 17559 SH SOLE 0 0 17559 ISHARES TR INTL SEL DIV ETF 464288448 4832 152140 SH SOLE 0 0 152140 ISHARES TR JPMORGAN USD EMG 464288281 626 6400 SH SOLE 0 0 6400 ISHARES TR MSCI USA QLT FCT 46432F339 582 4320 SH SOLE 0 0 4320 ISHARES TR NATIONAL MUN ETF 464288414 395 3605 SH SOLE 0 0 3605 ISHARES TR PFD AND INCM SEC 464288687 709 19465 SH SOLE 0 0 19465 ISHARES TR S&P 500 GRWT ETF 464287309 9712 127160 SH SOLE 0 0 127160 ISHARES TR S&P 500 VAL ETF 464287408 4166 26752 SH SOLE 0 0 26752 ISHARES TR S&P MC 400GR ETF 464287606 9366 121205 SH SOLE 0 0 121205 ISHARES TR S&P MC 400VL ETF 464287705 10615 96815 SH SOLE 0 0 96815 ISHARES TR S&P SML 600 GWT 464287887 9079 72574 SH SOLE 0 0 72574 ISHARES TR SELECT DIVID ETF 464287168 285 2226 SH SOLE 0 0 2226 ISHARES TR SP SMCP600VL ETF 464287879 8663 84606 SH SOLE 0 0 84606 ISHARES TR TIPS BD ETF 464287176 316 2540 SH SOLE 0 0 2540 ISHARES TR U.S. MED DVC ETF 464288810 292 4789 SH SOLE 0 0 4789 ISHARES TR US TREAS BD ETF 46429B267 716 28737 SH SOLE 0 0 28737 JOHNSON & JOHNSON COM 478160104 2191 12364 SH SOLE 0 0 12364 JPMORGAN CHASE & CO COM 46625H100 238 1749 SH SOLE 0 0 1749 LAKELAND BANCORP INC COM 511637100 1144 68483 SH SOLE 0 0 68483 LILLY ELI & CO COM 532457108 244 851 SH SOLE 0 0 851 LOWES COS INC COM 548661107 292 1445 SH SOLE 0 0 1445 MCDONALDS CORP COM 580135101 488 1972 SH SOLE 0 0 1972 MERCK & CO INC COM 58933Y105 207 2527 SH SOLE 0 0 2527 META PLATFORMS INC CL A 30303M102 389 1748 SH SOLE 0 0 1748 MICROSOFT CORP COM 594918104 894 2899 SH SOLE 0 0 2899 NORFOLK SOUTHN CORP COM 655844108 247 866 SH SOLE 0 0 866 PEPSICO INC COM 713448108 491 2934 SH SOLE 0 0 2934 PROCTER AND GAMBLE CO COM 742718109 358 2341 SH SOLE 0 0 2341 PRUDENTIAL FINL INC COM 744320102 273 2306 SH SOLE 0 0 2306 REALTY INCOME CORP COM 756109104 660 9527 SH SOLE 0 0 9527 SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706 536 19297 SH SOLE 0 0 19297 SCHWAB STRATEGIC TR SCHWAB FDT US LG 808524771 5965 101963 SH SOLE 0 0 101963 SCHWAB STRATEGIC TR SCHWB FDT INT SC 808524748 2982 84287 SH SOLE 0 0 84287 SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797 201 2548 SH SOLE 0 0 2548 SELECTIVE INS GROUP INC COM 816300107 1274 14258 SH SOLE 0 0 14258 SPDR GOLD TR GOLD SHS 78463V107 3471 19212 SH SOLE 0 0 19212 SPDR S&P 500 ETF TR TR UNIT 78462F103 1258 2785 SH SOLE 0 0 2785 SPDR SER TR PORTFOLIO AGRGTE 78464A649 361 13001 SH SOLE 0 0 13001 SPDR SER TR S&P 400 MDCP VAL 78464A839 358 5080 SH SOLE 0 0 5080 SPDR SER TR S&P DIVID ETF 78464A763 225 1753 SH SOLE 0 0 1753 TESLA INC COM 88160R101 339 315 SH SOLE 0 0 315 TORONTO DOMINION BK ONT COM NEW 891160509 381 4800 SH SOLE 0 0 4800 UNION PAC CORP COM 907818108 316 1158 SH SOLE 0 0 1158 UNITED PARCEL SERVICE INC CL B 911312106 703 3277 SH SOLE 0 0 3277 VANGUARD BD INDEX FDS INTERMED TERM 921937819 556 6788 SH SOLE 0 0 6788 VANGUARD BD INDEX FDS SHORT TRM BOND 921937827 357 4586 SH SOLE 0 0 4586 VANGUARD CHARLOTTE FDS TOTAL INT BD ETF 92203J407 2486 47410 SH SOLE 0 0 47410 VANGUARD INDEX FDS GROWTH ETF 922908736 269 934 SH SOLE 0 0 934 VANGUARD INDEX FDS MCAP GR IDXVIP 922908538 1798 8068 SH SOLE 0 0 8068 VANGUARD INDEX FDS MCAP VL IDXVIP 922908512 2587 17287 SH SOLE 0 0 17287 VANGUARD INDEX FDS MID CAP ETF 922908629 669 2813 SH SOLE 0 0 2813 VANGUARD INDEX FDS REAL ESTATE ETF 922908553 3584 33071 SH SOLE 0 0 33071 VANGUARD INDEX FDS SM CP VAL ETF 922908611 2453 13940 SH SOLE 0 0 13940 VANGUARD INDEX FDS SML CP GRW ETF 922908595 1522 6135 SH SOLE 0 0 6135 VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 792 17163 SH SOLE 0 0 17163 VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409 213 2725 SH SOLE 0 0 2725 VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844 786 4847 SH SOLE 0 0 4847 VANGUARD TAX-MANAGED INTL FD FTSE DEV MKT ETF 921943858 4534 94397 SH SOLE 0 0 94397 VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406 4525 40309 SH SOLE 0 0 40309 VERIZON COMMUNICATIONS INC COM 92343V104 287 5639 SH SOLE 0 0 5639 WEBSTER FINL CORP COM 947890109 334 5955 SH SOLE 0 0 5955 WISDOMTREE TR EMG MKTS SMCAP 97717W281 1665 31229 SH SOLE 0 0 31229