President and CCO

0001085146-23-002045.txt : 20230504 0001085146-23-002045.hdr.sgml : 20230504 20230503214237 ACCESSION NUMBER: 0001085146-23-002045 CONFORMED SUBMISSION TYPE: 13F-HR PUBLIC DOCUMENT COUNT: 2 CONFORMED PERIOD OF REPORT: 20230331 FILED AS OF DATE: 20230504 DATE AS OF CHANGE: 20230503 EFFECTIVENESS DATE: 20230504 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: 23886139 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 03-31-2023 03-31-2023 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 05-03-2023 0 95 184234092 false INFORMATION TABLE 2 infotable.xml INFORMATION TABLE ABBVIE INC COM 00287Y109 BBG0025Y4RZ3 381054 2391 SH SOLE 0 0 2391 ALPHABET INC CAP STK CL A 02079K305 BBG009S39JY5 344176 3318 SH SOLE 0 0 3318 ALPHABET INC CAP STK CL C 02079K107 BBG009S3NB21 258024 2481 SH SOLE 0 0 2481 AMAZON COM INC COM 023135106 BBG001S5PQL7 423799 4103 SH SOLE 0 0 4103 APPLE INC COM 037833100 BBG001S5N8V8 2828851 17155 SH SOLE 0 0 17155 AUTOMATIC DATA PROCESSING IN COM 053015103 BBG001S82KF6 211535 950 SH SOLE 0 0 950 BECTON DICKINSON & CO COM 075887109 BBG001S5P374 356106 1439 SH SOLE 0 0 1439 BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 BBG001S90346 712024 2306 SH SOLE 0 0 2306 CATERPILLAR INC COM 149123101 BBG001S5PJ06 217398 950 SH SOLE 0 0 950 CHEVRON CORP NEW COM 166764100 BBG001S67ZC5 304083 1864 SH SOLE 0 0 1864 COSTCO WHSL CORP NEW COM 22160K105 BBG001S9KRQ7 367684 740 SH SOLE 0 0 740 DEERE & CO COM 244199105 BBG001S5QFF7 737817 1787 SH SOLE 0 0 1787 DIMENSIONAL ETF TRUST EMERGING MKTS VA 25434V740 BBG017158GJ6 1348730 57695 SH SOLE 0 0 57695 DIMENSIONAL ETF TRUST GLOBAL REAL EST 25434V658 BBG01BN60P09 865155 35241 SH SOLE 0 0 35241 DIMENSIONAL ETF TRUST INFLATION PROTE 25434V856 BBG01254K0G0 1870522 43675 SH SOLE 0 0 43675 DIMENSIONAL ETF TRUST INTERNATNAL VAL 25434V807 BBG012G21Y06 4605063 142881 SH SOLE 0 0 142881 DIMENSIONAL ETF TRUST INTL SMALL CAP E 25434V773 BBG01633DW64 246682 10730 SH SOLE 0 0 10730 DIMENSIONAL ETF TRUST INTL SMALL CAP V 25434V781 BBG01633Y2Y6 2800165 117629 SH SOLE 0 0 117629 DIMENSIONAL ETF TRUST US REAL ESTATE E 25434V823 BBG015GTL6R0 587134 27321 SH SOLE 0 0 27321 DIMENSIONAL ETF TRUST US SMALL CAP VAL 25434V815 BBG015DG3GG1 1945770 78049 SH SOLE 0 0 78049 EVERSOURCE ENERGY COM 30040W108 BBG001S5TRL1 270154 3452 SH SOLE 0 0 3452 EXXON MOBIL CORP COM 30231G102 BBG001S69V32 1117277 10189 SH SOLE 0 0 10189 GENERAL DYNAMICS CORP COM 369550108 BBG001S5RHP1 244044 1069 SH SOLE 0 0 1069 GUINNESS ATKINSON FDS SMARTETFS DIVID 402031835 BBG00ZV187J1 251571 10340 SH SOLE 0 0 10340 HERSHEY CO COM 427866108 BBG001S5S148 214976 845 SH SOLE 0 0 845 HOME DEPOT INC COM 437076102 BBG001S5RTW7 378353 1282 SH SOLE 0 0 1282 INNOVATOR ETFS TR US EQT ACC 9 BFR 45783Y780 BBG01462XRD9 1966534 84338 SH SOLE 0 0 84338 INNOVATOR ETFS TR US EQTY PWR BUF 45782C508 BBG00MYXKL20 580345 17475 SH SOLE 0 0 17475 INTERNATIONAL BUSINESS MACHS COM 459200101 BBG001S5S399 285446 2177 SH SOLE 0 0 2177 INVESCO EXCHANGE TRADED FD T FTSE RAFI 1000 46137V613 BBG001S6H5N8 1322846 8438 SH SOLE 0 0 8438 INVESCO EXCHANGE TRADED FD T FTSE RAFI 1500 46137V597 BBG001SPSDJ2 767059 4662 SH SOLE 0 0 4662 INVESCO EXCHANGE TRADED FD T S&P500 EQL WGT 46137V357 BBG00KJR2NN7 472851 3270 SH SOLE 0 0 3270 INVESCO QQQ TR UNIT SER 1 46090E103 BBG001S9GN63 2132726 6645 SH SOLE 0 0 6645 ISHARES GOLD TR ISHARES NEW 464285204 BBG001SJK6D5 12995249 347746 SH SOLE 0 0 347746 ISHARES TR CORE S&P MCP ETF 464287507 BBG001SFC7V0 4505453 18010 SH SOLE 0 0 18010 ISHARES TR CORE S&P SCP ETF 464287804 BBG001SFC7W9 1464595 15146 SH SOLE 0 0 15146 ISHARES TR CORE S&P500 ETF 464287200 BBG001SFB7R6 5190133 12626 SH SOLE 0 0 12626 ISHARES TR EAFE GRWTH ETF 464288885 BBG001SP62C7 3294762 35170 SH SOLE 0 0 35170 ISHARES TR EAFE SML CP ETF 464288273 BBG001SYVWS7 1338041 22484 SH SOLE 0 0 22484 ISHARES TR INTL SEL DIV ETF 464288448 BBG001S7Y5C9 3558555 129449 SH SOLE 0 0 129449 ISHARES TR JPMORGAN USD EMG 464288281 BBG001SQS9Y2 480761 5572 SH SOLE 0 0 5572 ISHARES TR MSCI USA QLT FCT 46432F339 BBG004TRTWW3 353575 2850 SH SOLE 0 0 2850 ISHARES TR NATIONAL MUN ETF 464288414 BBG001SZV978 1925147 17868 SH SOLE 0 0 17868 ISHARES TR S&P 500 GRWT ETF 464287309 BBG001S561Q8 10067518 157576 SH SOLE 0 0 157576 ISHARES TR S&P 500 VAL ETF 464287408 BBG001S561K4 3782404 24924 SH SOLE 0 0 24924 ISHARES TR S&P MC 400GR ETF 464287606 BBG001SFQL08 10365026 144945 SH SOLE 0 0 144945 ISHARES TR S&P MC 400VL ETF 464287705 BBG001SFQJM9 11953883 116317 SH SOLE 0 0 116317 ISHARES TR S&P SML 600 GWT 464287887 BBG001SFQL44 10236170 93107 SH SOLE 0 0 93107 ISHARES TR SELECT DIVID ETF 464287168 BBG001SDJVG2 251641 2147 SH SOLE 0 0 2147 ISHARES TR SP SMCP600VL ETF 464287879 BBG001SFQL26 8403336 89789 SH SOLE 0 0 89789 ISHARES TR TIPS BD ETF 464287176 BBG001SD9RM5 1814529 16458 SH SOLE 0 0 16458 ISHARES TR U.S. MED DVC ETF 464288810 BBG001SQZT52 259140 4801 SH SOLE 0 0 4801 ISHARES TR US TREAS BD ETF 46429B267 BBG002NCKPP8 4005312 171314 SH SOLE 0 0 171314 JOHNSON & JOHNSON COM 478160104 BBG001S5SHQ9 1603165 10343 SH SOLE 0 0 10343 LAKELAND BANCORP INC COM 511637100 BBG001S93HH8 1007232 64401 SH SOLE 0 0 64401 LILLY ELI & CO COM 532457108 BBG001S5STL8 287443 837 SH SOLE 0 0 837 LOWES COS INC COM 548661107 BBG001S5SVL3 270159 1351 SH SOLE 0 0 1351 MCDONALDS CORP COM 580135101 BBG001S5T110 545449 1951 SH SOLE 0 0 1951 MERCK & CO INC COM 58933Y105 BBG001S5TC52 212780 2000 SH SOLE 0 0 2000 META PLATFORMS INC CL A 30303M102 BBG001SQCQC5 366656 1730 SH SOLE 0 0 1730 MICROSOFT CORP COM 594918104 BBG001S5TD05 746045 2588 SH SOLE 0 0 2588 PEPSICO INC COM 713448108 BBG001S695T1 515744 2829 SH SOLE 0 0 2829 PROCTER AND GAMBLE CO COM 742718109 BBG001S5V4L9 369197 2483 SH SOLE 0 0 2483 REALTY INCOME CORP COM 756109104 BBG001S884K0 512952 8101 SH SOLE 0 0 8101 SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706 BBG001T6L7D9 579179 23621 SH SOLE 0 0 23621 SCHWAB STRATEGIC TR SCHWAB FDT US LG 808524771 BBG0051J0PJ9 6959989 126730 SH SOLE 0 0 126730 SCHWAB STRATEGIC TR SCHWB FDT INT SC 808524748 BBG0051QD594 2561140 77306 SH SOLE 0 0 77306 SELECTIVE INS GROUP INC COM 816300107 BBG001S5W2R6 1252446 13138 SH SOLE 0 0 13138 SPDR GOLD TR GOLD SHS 78463V107 BBG001SCPX28 3183631 17376 SH SOLE 0 0 17376 SPDR S&P 500 ETF TR TR UNIT 78462F103 BBG001S72SM3 1115818 2726 SH SOLE 0 0 2726 SPDR SER TR BLOOMBERG 1-3 MO 78468R663 BBG001STKCW9 250852 2732 SH SOLE 0 0 2732 SPDR SER TR S&P 400 MDCP GRW 78464A821 BBG001SPTBN0 215518 3149 SH SOLE 0 0 3149 SPDR SER TR S&P 400 MDCP VAL 78464A839 BBG001SPTBM1 328067 4965 SH SOLE 0 0 4965 TORONTO DOMINION BK ONT COM NEW 891160509 BBG001S60L15 287520 4800 SH SOLE 0 0 4800 UNITED PARCEL SERVICE INC CL B 911312106 BBG001SDGSH1 709123 3655 SH SOLE 0 0 3655 VANGUARD BD INDEX FDS INTERMED TERM 921937819 BBG001ST39R1 4195263 54669 SH SOLE 0 0 54669 VANGUARD BD INDEX FDS SHORT TRM BOND 921937827 BBG001ST39Q2 2314543 30259 SH SOLE 0 0 30259 VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835 BBG001SK7DK4 467881 6337 SH SOLE 0 0 6337 VANGUARD CHARLOTTE FDS TOTAL INT BD ETF 92203J407 BBG004N1LGK2 1053534 21536 SH SOLE 0 0 21536 VANGUARD INDEX FDS GROWTH ETF 922908736 BBG001SHTTS4 456789 1831 SH SOLE 0 0 1831 VANGUARD INDEX FDS MCAP GR IDXVIP 922908538 BBG001SRN7S6 1874242 9617 SH SOLE 0 0 9617 VANGUARD INDEX FDS MCAP VL IDXVIP 922908512 BBG001SRN7W1 2803123 20908 SH SOLE 0 0 20908 VANGUARD INDEX FDS MID CAP ETF 922908629 BBG001SHVTS1 472460 2240 SH SOLE 0 0 2240 VANGUARD INDEX FDS REAL ESTATE ETF 922908553 BBG001SMD2X3 2836135 34154 SH SOLE 0 0 34154 VANGUARD INDEX FDS SM CP VAL ETF 922908611 BBG001SHVTR2 2078339 13091 SH SOLE 0 0 13091 VANGUARD INDEX FDS SML CP GRW ETF 922908595 BBG001SHTTW9 1925663 8898 SH SOLE 0 0 8898 VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 BBG001SHTTZ6 615829 15243 SH SOLE 0 0 15243 VANGUARD MALVERN FDS STRM INFPROIDX 922020805 BBG003H12XS7 670576 14023 SH SOLE 0 0 14023 VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409 BBG001T62KZ7 477944 6270 SH SOLE 0 0 6270 VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844 BBG001SQX4T3 597046 3877 SH SOLE 0 0 3877 VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858 BBG001SSPWL4 2191783 48523 SH SOLE 0 0 48523 VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406 BBG001SS0V24 5642183 53480 SH SOLE 0 0 53480 VERIZON COMMUNICATIONS INC COM 92343V104 BBG001S67QY1 223053 5735 SH SOLE 0 0 5735 WEBSTER FINL CORP COM 947890109 BBG001S5XCP5 234746 5955 SH SOLE 0 0 5955 WISDOMTREE TR EMG MKTS SMCAP 97717W281 BBG001SRPT24 1561671 34105 SH SOLE 0 0 34105