0001085146-22-002598.txt : 20220727 0001085146-22-002598.hdr.sgml : 20220727 20220726192500 ACCESSION NUMBER: 0001085146-22-002598 CONFORMED SUBMISSION TYPE: 13F-HR PUBLIC DOCUMENT COUNT: 2 CONFORMED PERIOD OF REPORT: 20220630 FILED AS OF DATE: 20220727 DATE AS OF CHANGE: 20220726 EFFECTIVENESS DATE: 20220727 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: 221108478 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 06-30-2022 06-30-2022 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 07-25-2022 0 89 142267 false INFORMATION TABLE 2 infotable.xml INFORMATION TABLE ABBVIE INC COM 00287Y109 383 2500 SH SOLE 0 0 2500 ALPHABET INC CAP STK CL A 02079K305 416 191 SH SOLE 0 0 191 ALPHABET INC CAP STK CL C 02079K107 343 157 SH SOLE 0 0 157 AMAZON COM INC COM 023135106 508 4780 SH SOLE 0 0 4780 APPLE INC COM 037833100 2050 14991 SH SOLE 0 0 14991 AUTOMATIC DATA PROCESSING IN COM 053015103 225 1070 SH SOLE 0 0 1070 BECTON DICKINSON & CO COM 075887109 355 1438 SH SOLE 0 0 1438 BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 791 2896 SH SOLE 0 0 2896 CHEVRON CORP NEW COM 166764100 278 1918 SH SOLE 0 0 1918 COSTCO WHSL CORP NEW COM 22160K105 382 796 SH SOLE 0 0 796 CUMBERLAND PHARMACEUTICALS I COM 230770109 46 22031 SH SOLE 0 0 22031 DEERE & CO COM 244199105 543 1814 SH SOLE 0 0 1814 DIMENSIONAL ETF TRUST INFLATION PROTE 25434V856 265 6015 SH SOLE 0 0 6015 DIMENSIONAL ETF TRUST INTERNATNAL VAL 25434V807 470 16284 SH SOLE 0 0 16284 DIMENSIONAL ETF TRUST INTL SMALL CAP V 25434V781 539 25607 SH SOLE 0 0 25607 DIMENSIONAL ETF TRUST US SMALL CAP VAL 25434V815 279 12346 SH SOLE 0 0 12346 EXXON MOBIL CORP COM 30231G102 1031 12038 SH SOLE 0 0 12038 GENERAL DYNAMICS CORP COM 369550108 253 1143 SH SOLE 0 0 1143 GUINNESS ATKINSON FDS SMARTETFS DIVID 402031835 272 11706 SH SOLE 0 0 11706 HOME DEPOT INC COM 437076102 350 1275 SH SOLE 0 0 1275 INNOVATOR ETFS TR US EQT ACC 9 BFR 45783Y780 305 14337 SH SOLE 0 0 14337 INNOVATOR ETFS TR US EQTY PWR BUF 45782C508 528 17585 SH SOLE 0 0 17585 INTERNATIONAL BUSINESS MACHS COM 459200101 320 2269 SH SOLE 0 0 2269 INVESCO EXCHANGE TRADED FD T FTSE RAFI 1000 46137V613 1267 8548 SH SOLE 0 0 8548 INVESCO EXCHANGE TRADED FD T FTSE RAFI 1500 46137V597 854 5571 SH SOLE 0 0 5571 INVESCO EXCHANGE TRADED FD T S&P500 EQL WGT 46137V357 453 3373 SH SOLE 0 0 3373 INVESCO QQQ TR UNIT SER 1 46090E103 1193 4256 SH SOLE 0 0 4256 ISHARES GOLD TR ISHARES NEW 464285204 9353 272616 SH SOLE 0 0 272616 ISHARES TR CORE S&P MCP ETF 464287507 4760 21041 SH SOLE 0 0 21041 ISHARES TR CORE S&P SCP ETF 464287804 1660 17966 SH SOLE 0 0 17966 ISHARES TR CORE S&P500 ETF 464287200 4573 12061 SH SOLE 0 0 12061 ISHARES TR EAFE GRWTH ETF 464288885 2290 28451 SH SOLE 0 0 28451 ISHARES TR EAFE SML CP ETF 464288273 904 16552 SH SOLE 0 0 16552 ISHARES TR INTL SEL DIV ETF 464288448 4397 161896 SH SOLE 0 0 161896 ISHARES TR JPMORGAN USD EMG 464288281 534 6264 SH SOLE 0 0 6264 ISHARES TR MSCI USA QLT FCT 46432F339 449 4019 SH SOLE 0 0 4019 ISHARES TR NATIONAL MUN ETF 464288414 325 3054 SH SOLE 0 0 3054 ISHARES TR PFD AND INCM SEC 464288687 630 19164 SH SOLE 0 0 19164 ISHARES TR S&P 500 GRWT ETF 464287309 7921 131255 SH SOLE 0 0 131255 ISHARES TR S&P 500 VAL ETF 464287408 3667 26679 SH SOLE 0 0 26679 ISHARES TR S&P MC 400GR ETF 464287606 8082 126813 SH SOLE 0 0 126813 ISHARES TR S&P MC 400VL ETF 464287705 9542 101075 SH SOLE 0 0 101075 ISHARES TR S&P SML 600 GWT 464287887 8061 76540 SH SOLE 0 0 76540 ISHARES TR SELECT DIVID ETF 464287168 256 2172 SH SOLE 0 0 2172 ISHARES TR SP SMCP600VL ETF 464287879 7829 87933 SH SOLE 0 0 87933 ISHARES TR TIPS BD ETF 464287176 515 4518 SH SOLE 0 0 4518 ISHARES TR U.S. MED DVC ETF 464288810 242 4792 SH SOLE 0 0 4792 ISHARES TR US TREAS BD ETF 46429B267 2728 114141 SH SOLE 0 0 114141 JOHNSON & JOHNSON COM 478160104 2175 12253 SH SOLE 0 0 12253 LAKELAND BANCORP INC COM 511637100 1001 68483 SH SOLE 0 0 68483 LILLY ELI & CO COM 532457108 276 851 SH SOLE 0 0 851 LOWES COS INC COM 548661107 252 1445 SH SOLE 0 0 1445 MCDONALDS CORP COM 580135101 464 1878 SH SOLE 0 0 1878 MERCK & CO INC COM 58933Y105 220 2413 SH SOLE 0 0 2413 META PLATFORMS INC CL A 30303M102 276 1710 SH SOLE 0 0 1710 MICROSOFT CORP COM 594918104 726 2827 SH SOLE 0 0 2827 PEPSICO INC COM 713448108 489 2936 SH SOLE 0 0 2936 PROCTER AND GAMBLE CO COM 742718109 337 2341 SH SOLE 0 0 2341 REALTY INCOME CORP COM 756109104 640 9374 SH SOLE 0 0 9374 SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706 460 18115 SH SOLE 0 0 18115 SCHWAB STRATEGIC TR SCHWAB FDT US LG 808524771 5472 107496 SH SOLE 0 0 107496 SCHWAB STRATEGIC TR SCHWB FDT INT SC 808524748 2340 76965 SH SOLE 0 0 76965 SELECTIVE INS GROUP INC COM 816300107 1240 14258 SH SOLE 0 0 14258 SPDR GOLD TR GOLD SHS 78463V107 3128 18568 SH SOLE 0 0 18568 SPDR S&P 500 ETF TR TR UNIT 78462F103 1051 2787 SH SOLE 0 0 2787 SPDR SER TR PORTFOLIO AGRGTE 78464A649 321 12169 SH SOLE 0 0 12169 SPDR SER TR S&P 400 MDCP VAL 78464A839 309 5115 SH SOLE 0 0 5115 SPDR SER TR S&P DIVID ETF 78464A763 208 1756 SH SOLE 0 0 1756 TORONTO DOMINION BK ONT COM NEW 891160509 315 4800 SH SOLE 0 0 4800 UNION PAC CORP COM 907818108 216 1014 SH SOLE 0 0 1014 UNITED PARCEL SERVICE INC CL B 911312106 684 3749 SH SOLE 0 0 3749 VANGUARD BD INDEX FDS INTERMED TERM 921937819 1128 14524 SH SOLE 0 0 14524 VANGUARD BD INDEX FDS SHORT TRM BOND 921937827 498 6483 SH SOLE 0 0 6483 VANGUARD CHARLOTTE FDS TOTAL INT BD ETF 92203J407 2008 40525 SH SOLE 0 0 40525 VANGUARD INDEX FDS GROWTH ETF 922908736 317 1424 SH SOLE 0 0 1424 VANGUARD INDEX FDS MCAP GR IDXVIP 922908538 1523 8682 SH SOLE 0 0 8682 VANGUARD INDEX FDS MCAP VL IDXVIP 922908512 2265 17489 SH SOLE 0 0 17489 VANGUARD INDEX FDS MID CAP ETF 922908629 533 2704 SH SOLE 0 0 2704 VANGUARD INDEX FDS REAL ESTATE ETF 922908553 3056 33538 SH SOLE 0 0 33538 VANGUARD INDEX FDS SM CP VAL ETF 922908611 2125 14186 SH SOLE 0 0 14186 VANGUARD INDEX FDS SML CP GRW ETF 922908595 1501 7620 SH SOLE 0 0 7620 VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 750 18018 SH SOLE 0 0 18018 VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409 261 3422 SH SOLE 0 0 3422 VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844 625 4358 SH SOLE 0 0 4358 VANGUARD TAX-MANAGED INTL FD VAN FTSE DEV MKT 921943858 3388 83040 SH SOLE 0 0 83040 VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406 4245 41740 SH SOLE 0 0 41740 VERIZON COMMUNICATIONS INC COM 92343V104 258 5093 SH SOLE 0 0 5093 WEBSTER FINL CORP COM 947890109 251 5955 SH SOLE 0 0 5955 WISDOMTREE TR EMG MKTS SMCAP 97717W281 1518 33998 SH SOLE 0 0 33998