President and CCO

0001085146-23-002954.txt : 20230728 0001085146-23-002954.hdr.sgml : 20230728 20230728140622 ACCESSION NUMBER: 0001085146-23-002954 CONFORMED SUBMISSION TYPE: 13F-HR PUBLIC DOCUMENT COUNT: 2 CONFORMED PERIOD OF REPORT: 20230630 FILED AS OF DATE: 20230728 DATE AS OF CHANGE: 20230728 EFFECTIVENESS DATE: 20230728 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: 231122160 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 06-30-2023 06-30-2023 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 07-28-2023 0 98 201838539 false INFORMATION TABLE 2 infotable.xml INFORMATION TABLE ABBVIE INC COM 00287Y109 BBG0025Y4RZ3 319984 2375 SH SOLE 0 0 2375 ALPHABET INC CAP STK CL A 02079K305 BBG009S39JY5 397165 3318 SH SOLE 0 0 3318 ALPHABET INC CAP STK CL C 02079K107 BBG009S3NB21 252948 2091 SH SOLE 0 0 2091 AMAZON COM INC COM 023135106 BBG001S5PQL7 534867 4103 SH SOLE 0 0 4103 APPLE INC COM 037833100 BBG001S5N8V8 3255793 16785 SH SOLE 0 0 16785 AUTOMATIC DATA PROCESSING IN COM 053015103 BBG001S82KF6 208836 950 SH SOLE 0 0 950 BECTON DICKINSON & CO COM 075887109 BBG001S5P374 379799 1439 SH SOLE 0 0 1439 BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 BBG001S90346 811580 2380 SH SOLE 0 0 2380 CATERPILLAR INC COM 149123101 BBG001S5PJ06 233748 950 SH SOLE 0 0 950 CHEVRON CORP NEW COM 166764100 BBG001S67ZC5 253602 1612 SH SOLE 0 0 1612 COSTCO WHSL CORP NEW COM 22160K105 BBG001S9KRQ7 398401 740 SH SOLE 0 0 740 DEERE & CO COM 244199105 BBG001S5QFF7 670995 1656 SH SOLE 0 0 1656 DIMENSIONAL ETF TRUST EMERGING MKTS VA 25434V740 BBG017158GJ6 1789704 73439 SH SOLE 0 0 73439 DIMENSIONAL ETF TRUST GLOBAL REAL EST 25434V658 BBG01BN60P09 1405729 57635 SH SOLE 0 0 57635 DIMENSIONAL ETF TRUST INFLATION PROTE 25434V856 BBG01254K0G0 2101193 50864 SH SOLE 0 0 50864 DIMENSIONAL ETF TRUST INTERNATNAL VAL 25434V807 BBG012G21Y06 6176872 188033 SH SOLE 0 0 188033 DIMENSIONAL ETF TRUST INTL SMALL CAP E 25434V773 BBG01633DW64 266382 11673 SH SOLE 0 0 11673 DIMENSIONAL ETF TRUST INTL SMALL CAP V 25434V781 BBG01633Y2Y6 3372501 142600 SH SOLE 0 0 142600 DIMENSIONAL ETF TRUST US REAL ESTATE E 25434V823 BBG015GTL6R0 622595 28931 SH SOLE 0 0 28931 DIMENSIONAL ETF TRUST US SMALL CAP VAL 25434V815 BBG015DG3GG1 3008208 117051 SH SOLE 0 0 117051 EVERSOURCE ENERGY COM 30040W108 BBG001S5TRL1 244816 3452 SH SOLE 0 0 3452 EXXON MOBIL CORP COM 30231G102 BBG001S69V32 1050247 9793 SH SOLE 0 0 9793 GENERAL DYNAMICS CORP COM 369550108 BBG001S5RHP1 231236 1075 SH SOLE 0 0 1075 GUINNESS ATKINSON FDS SMARTETFS DIVID 402031835 BBG00ZV187J1 263215 10340 SH SOLE 0 0 10340 HERSHEY CO COM 427866108 BBG001S5S148 210997 845 SH SOLE 0 0 845 HOME DEPOT INC COM 437076102 BBG001S5RTW7 411406 1324 SH SOLE 0 0 1324 INNOVATOR ETFS TR US EQT ACC 9 BFR 45783Y780 BBG01462XRD9 2896935 117832 SH SOLE 0 0 117832 INNOVATOR ETFS TR US EQTY PWR BUF 45782C508 BBG00MYXKL20 605612 17249 SH SOLE 0 0 17249 INTERNATIONAL BUSINESS MACHS COM 459200101 BBG001S5S399 291770 2180 SH SOLE 0 0 2180 INVESCO EXCHANGE TRADED FD T FTSE RAFI 1000 46137V613 BBG001S6H5N8 1373102 8390 SH SOLE 0 0 8390 INVESCO EXCHANGE TRADED FD T FTSE RAFI 1500 46137V597 BBG001SPSDJ2 733364 4268 SH SOLE 0 0 4268 INVESCO EXCHANGE TRADED FD T S&P500 EQL WGT 46137V357 BBG00KJR2NN7 489265 3270 SH SOLE 0 0 3270 INVESCO HIGH INCOME TR II COM 46131F101 BBG001S5Z300 201971 7451 SH SOLE 0 0 7451 INVESCO QQQ TR UNIT SER 1 46090E103 BBG001S9GN63 2540927 6878 SH SOLE 0 0 6878 ISHARES GOLD TR ISHARES NEW 464285204 BBG001SJK6D5 12546126 344769 SH SOLE 0 0 344769 ISHARES TR CORE S&P MCP ETF 464287507 BBG001SFC7V0 4532535 17334 SH SOLE 0 0 17334 ISHARES TR CORE S&P SCP ETF 464287804 BBG001SFC7W9 1288926 12935 SH SOLE 0 0 12935 ISHARES TR CORE S&P500 ETF 464287200 BBG001SFB7R6 5864279 13157 SH SOLE 0 0 13157 ISHARES TR EAFE GRWTH ETF 464288885 BBG001SP62C7 3456769 36231 SH SOLE 0 0 36231 ISHARES TR EAFE SML CP ETF 464288273 BBG001SYVWS7 1355045 22975 SH SOLE 0 0 22975 ISHARES TR INTL SEL DIV ETF 464288448 BBG001S7Y5C9 3346169 127086 SH SOLE 0 0 127086 ISHARES TR JPMORGAN USD EMG 464288281 BBG001SQS9Y2 484925 5603 SH SOLE 0 0 5603 ISHARES TR MSCI USA QLT FCT 46432F339 BBG004TRTWW3 362583 2688 SH SOLE 0 0 2688 ISHARES TR NATIONAL MUN ETF 464288414 BBG001SZV978 1902942 17829 SH SOLE 0 0 17829 ISHARES TR S&P 500 GRWT ETF 464287309 BBG001S561Q8 12274924 174162 SH SOLE 0 0 174162 ISHARES TR S&P 500 VAL ETF 464287408 BBG001S561K4 3985602 24726 SH SOLE 0 0 24726 ISHARES TR S&P MC 400GR ETF 464287606 BBG001SFQL08 11948054 159307 SH SOLE 0 0 159307 ISHARES TR S&P MC 400VL ETF 464287705 BBG001SFQJM9 13288252 124039 SH SOLE 0 0 124039 ISHARES TR S&P SML 600 GWT 464287887 BBG001SFQL44 11927417 103780 SH SOLE 0 0 103780 ISHARES TR SELECT DIVID ETF 464287168 BBG001SDJVG2 243750 2151 SH SOLE 0 0 2151 ISHARES TR SP SMCP600VL ETF 464287879 BBG001SFQL26 8392861 88262 SH SOLE 0 0 88262 ISHARES TR TIPS BD ETF 464287176 BBG001SD9RM5 1769333 16441 SH SOLE 0 0 16441 ISHARES TR U.S. MED DVC ETF 464288810 BBG001SQZT52 271163 4803 SH SOLE 0 0 4803 ISHARES TR US TREAS BD ETF 46429B267 BBG002NCKPP8 3950637 172517 SH SOLE 0 0 172517 JOHNSON & JOHNSON COM 478160104 BBG001S5SHQ9 1702208 10284 SH SOLE 0 0 10284 JPMORGAN CHASE & CO COM 46625H100 BBG001S8CRC3 214379 1474 SH SOLE 0 0 1474 LAKELAND BANCORP INC COM 511637100 BBG001S93HH8 862329 64401 SH SOLE 0 0 64401 LILLY ELI & CO COM 532457108 BBG001S5STL8 392536 837 SH SOLE 0 0 837 LOWES COS INC COM 548661107 BBG001S5SVL3 271066 1201 SH SOLE 0 0 1201 MCDONALDS CORP COM 580135101 BBG001S5T110 582128 1951 SH SOLE 0 0 1951 MERCK & CO INC COM 58933Y105 BBG001S5TC52 225818 1957 SH SOLE 0 0 1957 META PLATFORMS INC CL A 30303M102 BBG001SQCQC5 496475 1730 SH SOLE 0 0 1730 MICROSOFT CORP COM 594918104 BBG001S5TD05 832242 2444 SH SOLE 0 0 2444 PEPSICO INC COM 713448108 BBG001S695T1 524803 2833 SH SOLE 0 0 2833 PROCTER AND GAMBLE CO COM 742718109 BBG001S5V4L9 376770 2483 SH SOLE 0 0 2483 REALTY INCOME CORP COM 756109104 BBG001S884K0 484544 8104 SH SOLE 0 0 8104 SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706 BBG001T6L7D9 564461 22918 SH SOLE 0 0 22918 SCHWAB STRATEGIC TR SCHWAB FDT US LG 808524771 BBG0051J0PJ9 7911183 137419 SH SOLE 0 0 137419 SCHWAB STRATEGIC TR SCHWB FDT INT SC 808524748 BBG0051QD594 2540665 76549 SH SOLE 0 0 76549 SELECTIVE INS GROUP INC COM 816300107 BBG001S5W2R6 1260591 13138 SH SOLE 0 0 13138 SPDR GOLD TR GOLD SHS 78463V107 BBG001SCPX28 3002780 16844 SH SOLE 0 0 16844 SPDR S&P 500 ETF TR TR UNIT 78462F103 BBG001S72SM3 1211899 2734 SH SOLE 0 0 2734 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 219327 3061 SH SOLE 0 0 3061 SPDR SER TR S&P 400 MDCP VAL 78464A839 BBG001SPTBM1 314953 4579 SH SOLE 0 0 4579 TORONTO DOMINION BK ONT COM NEW 891160509 BBG001S60L15 248040 4000 SH SOLE 0 0 4000 UNITED PARCEL SERVICE INC CL B 911312106 BBG001SDGSH1 533352 2975 SH SOLE 0 0 2975 VANGUARD BD INDEX FDS INTERMED TERM 921937819 BBG001ST39R1 4603492 61192 SH SOLE 0 0 61192 VANGUARD BD INDEX FDS SHORT TRM BOND 921937827 BBG001ST39Q2 2524646 33408 SH SOLE 0 0 33408 VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835 BBG001SK7DK4 489441 6733 SH SOLE 0 0 6733 VANGUARD CHARLOTTE FDS TOTAL INT BD ETF 92203J407 BBG004N1LGK2 1040406 21285 SH SOLE 0 0 21285 VANGUARD INDEX FDS GROWTH ETF 922908736 BBG001SHTTS4 536587 1896 SH SOLE 0 0 1896 VANGUARD INDEX FDS MCAP GR IDXVIP 922908538 BBG001SRN7S6 2038304 9906 SH SOLE 0 0 9906 VANGUARD INDEX FDS MCAP VL IDXVIP 922908512 BBG001SRN7W1 2863964 20696 SH SOLE 0 0 20696 VANGUARD INDEX FDS MID CAP ETF 922908629 BBG001SHVTS1 477362 2168 SH SOLE 0 0 2168 VANGUARD INDEX FDS REAL ESTATE ETF 922908553 BBG001SMD2X3 2889678 34582 SH SOLE 0 0 34582 VANGUARD INDEX FDS SM CP VAL ETF 922908611 BBG001SHVTR2 2135846 12913 SH SOLE 0 0 12913 VANGUARD INDEX FDS SML CP GRW ETF 922908595 BBG001SHTTW9 2102785 9153 SH SOLE 0 0 9153 VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 BBG001SHTTZ6 608033 14947 SH SOLE 0 0 14947 VANGUARD MALVERN FDS STRM INFPROIDX 922020805 BBG003H12XS7 1036448 21857 SH SOLE 0 0 21857 VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409 BBG001T62KZ7 628739 8310 SH SOLE 0 0 8310 VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844 BBG001SQX4T3 582745 3588 SH SOLE 0 0 3588 VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858 BBG001SSPWL4 2125709 46031 SH SOLE 0 0 46031 VANGUARD WELLINGTON FD SHORT TRM TAX EX 921935870 BBG01FQJQMT7 300938 2995 SH SOLE 0 0 2995 VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406 BBG001SS0V24 6520337 61472 SH SOLE 0 0 61472 VERIZON COMMUNICATIONS INC COM 92343V104 BBG001S67QY1 204291 5493 SH SOLE 0 0 5493 WEBSTER FINL CORP COM 947890109 BBG001S5XCP5 224801 5955 SH SOLE 0 0 5955 WISDOMTREE TR EMG MKTS SMCAP 97717W281 BBG001SRPT24 1682529 36160 SH SOLE 0 0 36160