0001085146-22-003711.txt : 20221102 0001085146-22-003711.hdr.sgml : 20221102 20221101195647 ACCESSION NUMBER: 0001085146-22-003711 CONFORMED SUBMISSION TYPE: 13F-HR PUBLIC DOCUMENT COUNT: 2 CONFORMED PERIOD OF REPORT: 20220930 FILED AS OF DATE: 20221102 DATE AS OF CHANGE: 20221101 EFFECTIVENESS DATE: 20221102 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: 221351981 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 09-30-2022 09-30-2022 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 11-01-2022 0 83 142623 false INFORMATION TABLE 2 infotable.xml INFORMATION TABLE ABBVIE INC COM 00287Y109 336 2500 SH SOLE 0 0 2500 ALPHABET INC CAP STK CL A 02079K305 363 3800 SH SOLE 0 0 3800 ALPHABET INC CAP STK CL C 02079K107 285 2960 SH SOLE 0 0 2960 AMAZON COM INC COM 023135106 560 4955 SH SOLE 0 0 4955 APPLE INC COM 037833100 2062 14923 SH SOLE 0 0 14923 AUTOMATIC DATA PROCESSING IN COM 053015103 242 1070 SH SOLE 0 0 1070 BECTON DICKINSON & CO COM 075887109 321 1439 SH SOLE 0 0 1439 BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 771 2887 SH SOLE 0 0 2887 CHEVRON CORP NEW COM 166764100 276 1918 SH SOLE 0 0 1918 COSTCO WHSL CORP NEW COM 22160K105 358 757 SH SOLE 0 0 757 DEERE & CO COM 244199105 597 1787 SH SOLE 0 0 1787 DIMENSIONAL ETF TRUST EMERGING MKTS VA 25434V740 583 28392 SH SOLE 0 0 28392 DIMENSIONAL ETF TRUST INFLATION PROTE 25434V856 791 19449 SH SOLE 0 0 19449 DIMENSIONAL ETF TRUST INTERNATNAL VAL 25434V807 1603 62213 SH SOLE 0 0 62213 DIMENSIONAL ETF TRUST INTL SMALL CAP V 25434V781 1141 61482 SH SOLE 0 0 61482 DIMENSIONAL ETF TRUST US SMALL CAP VAL 25434V815 951 43624 SH SOLE 0 0 43624 EXXON MOBIL CORP COM 30231G102 1042 11938 SH SOLE 0 0 11938 GENERAL DYNAMICS CORP COM 369550108 243 1147 SH SOLE 0 0 1147 GUINNESS ATKINSON FDS SMARTETFS DIVID 402031835 222 10471 SH SOLE 0 0 10471 HOME DEPOT INC COM 437076102 353 1278 SH SOLE 0 0 1278 INNOVATOR ETFS TR US EQT ACC 9 BFR 45783Y780 457 22271 SH SOLE 0 0 22271 INNOVATOR ETFS TR US EQTY PWR BUF 45782C508 515 17497 SH SOLE 0 0 17497 INTERNATIONAL BUSINESS MACHS COM 459200101 265 2233 SH SOLE 0 0 2233 INVESCO EXCHANGE TRADED FD T FTSE RAFI 1000 46137V613 1187 8555 SH SOLE 0 0 8555 INVESCO EXCHANGE TRADED FD T FTSE RAFI 1500 46137V597 792 5437 SH SOLE 0 0 5437 INVESCO EXCHANGE TRADED FD T S&P500 EQL WGT 46137V357 423 3320 SH SOLE 0 0 3320 INVESCO QQQ TR UNIT SER 1 46090E103 1323 4949 SH SOLE 0 0 4949 ISHARES GOLD TR ISHARES NEW 464285204 10301 326694 SH SOLE 0 0 326694 ISHARES TR CORE S&P MCP ETF 464287507 4548 20743 SH SOLE 0 0 20743 ISHARES TR CORE S&P SCP ETF 464287804 1524 17479 SH SOLE 0 0 17479 ISHARES TR CORE S&P500 ETF 464287200 4427 12343 SH SOLE 0 0 12343 ISHARES TR EAFE GRWTH ETF 464288885 2357 32486 SH SOLE 0 0 32486 ISHARES TR EAFE SML CP ETF 464288273 1071 21954 SH SOLE 0 0 21954 ISHARES TR INTL SEL DIV ETF 464288448 3622 160766 SH SOLE 0 0 160766 ISHARES TR JPMORGAN USD EMG 464288281 457 5753 SH SOLE 0 0 5753 ISHARES TR MSCI USA QLT FCT 46432F339 346 3331 SH SOLE 0 0 3331 ISHARES TR PFD AND INCM SEC 464288687 600 18944 SH SOLE 0 0 18944 ISHARES TR S&P 500 GRWT ETF 464287309 8038 138942 SH SOLE 0 0 138942 ISHARES TR S&P 500 VAL ETF 464287408 3341 25998 SH SOLE 0 0 25998 ISHARES TR S&P MC 400GR ETF 464287606 8441 133936 SH SOLE 0 0 133936 ISHARES TR S&P MC 400VL ETF 464287705 10018 111313 SH SOLE 0 0 111313 ISHARES TR S&P SML 600 GWT 464287887 8458 83191 SH SOLE 0 0 83191 ISHARES TR SELECT DIVID ETF 464287168 233 2172 SH SOLE 0 0 2172 ISHARES TR SP SMCP600VL ETF 464287879 7619 92411 SH SOLE 0 0 92411 ISHARES TR TIPS BD ETF 464287176 586 5586 SH SOLE 0 0 5586 ISHARES TR U.S. MED DVC ETF 464288810 226 4792 SH SOLE 0 0 4792 ISHARES TR US TREAS BD ETF 46429B267 3262 143335 SH SOLE 0 0 143335 JOHNSON & JOHNSON COM 478160104 1904 11653 SH SOLE 0 0 11653 LAKELAND BANCORP INC COM 511637100 1096 68483 SH SOLE 0 0 68483 LILLY ELI & CO COM 532457108 275 851 SH SOLE 0 0 851 LOWES COS INC COM 548661107 271 1445 SH SOLE 0 0 1445 MCDONALDS CORP COM 580135101 433 1878 SH SOLE 0 0 1878 META PLATFORMS INC CL A 30303M102 238 1755 SH SOLE 0 0 1755 MICROSOFT CORP COM 594918104 654 2807 SH SOLE 0 0 2807 PEPSICO INC COM 713448108 480 2938 SH SOLE 0 0 2938 PROCTER AND GAMBLE CO COM 742718109 296 2341 SH SOLE 0 0 2341 REALTY INCOME CORP COM 756109104 519 8925 SH SOLE 0 0 8925 SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706 537 23974 SH SOLE 0 0 23974 SCHWAB STRATEGIC TR SCHWAB FDT US LG 808524771 5552 116253 SH SOLE 0 0 116253 SCHWAB STRATEGIC TR SCHWB FDT INT SC 808524748 2126 78188 SH SOLE 0 0 78188 SELECTIVE INS GROUP INC COM 816300107 1161 14258 SH SOLE 0 0 14258 SPDR GOLD TR GOLD SHS 78463V107 2858 18476 SH SOLE 0 0 18476 SPDR S&P 500 ETF TR TR UNIT 78462F103 992 2777 SH SOLE 0 0 2777 SPDR SER TR S&P 400 MDCP VAL 78464A839 294 5082 SH SOLE 0 0 5082 TORONTO DOMINION BK ONT COM NEW 891160509 294 4800 SH SOLE 0 0 4800 UNITED PARCEL SERVICE INC CL B 911312106 606 3749 SH SOLE 0 0 3749 VANGUARD BD INDEX FDS INTERMED TERM 921937819 1704 23189 SH SOLE 0 0 23189 VANGUARD BD INDEX FDS SHORT TRM BOND 921937827 1092 14599 SH SOLE 0 0 14599 VANGUARD CHARLOTTE FDS TOTAL INT BD ETF 92203J407 961 20124 SH SOLE 0 0 20124 VANGUARD INDEX FDS GROWTH ETF 922908736 341 1592 SH SOLE 0 0 1592 VANGUARD INDEX FDS MCAP GR IDXVIP 922908538 1588 9313 SH SOLE 0 0 9313 VANGUARD INDEX FDS MCAP VL IDXVIP 922908512 2415 19830 SH SOLE 0 0 19830 VANGUARD INDEX FDS MID CAP ETF 922908629 490 2605 SH SOLE 0 0 2605 VANGUARD INDEX FDS REAL ESTATE ETF 922908553 2823 35209 SH SOLE 0 0 35209 VANGUARD INDEX FDS SM CP VAL ETF 922908611 1873 13061 SH SOLE 0 0 13061 VANGUARD INDEX FDS SML CP GRW ETF 922908595 1562 8007 SH SOLE 0 0 8007 VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 545 14945 SH SOLE 0 0 14945 VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409 379 5098 SH SOLE 0 0 5098 VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844 581 4298 SH SOLE 0 0 4298 VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858 2273 62517 SH SOLE 0 0 62517 VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406 4215 44421 SH SOLE 0 0 44421 WEBSTER FINL CORP COM 947890109 269 5955 SH SOLE 0 0 5955 WISDOMTREE TR EMG MKTS SMCAP 97717W281 1389 34875 SH SOLE 0 0 34875