PIF
Partners in Financial Planning Portfolio
Invests via Partners in Financial Planning | Managed by James E. Pearman Jr., Pamela D. Poldiak, Richard K. Bryan, Christopher W. Bishop, Stephen C. Bain
Invests via Partners in Financial Planning
Managed by James E. Pearman Jr., Pamela D. Poldiak, Richard K. Bryan, Christopher W. Bishop, Stephen C. Bain
Automatically Tracked
Company Profile
Independent wealth management firm Partners in Financial Planning provides fee-only, fiduciary financial planning and investment advisory services to affluent individuals, families and institutions. The firm focuses on holistic retirement planning, tax-aware portfolio management and cash-flow modeling, operating as a multi-advisor practice that blends financial planning with discretionary investment implementation. Relevant to investors and allocators, it competes in the high-net-worth planning and advisory segment with an emphasis on client-centric advice.
Independent wealth management firm Partners in Financial Planning provides fee-only, fiduciary financial planning and investment advisory services to affluent individuals, families and institutions. The firm focuses on holistic retirement planning, tax-aware portfolio management and cash-flow modeling, operating as a multi-advisor practice that blends financial planning with discretionary investment implementation. Relevant to investors and allocators, it competes in the high-net-worth planning and advisory segment with an emphasis on client-centric advice.
Investment Philosophy & Strategy
Operates a client-centric, fiduciary investment approach that integrates holistic retirement and cash‑flow planning with tax-aware, liability-driven portfolio construction. Emphasizes long-term, risk-managed allocations blending low‑cost passive core exposures with selective active strategies and manager selection. Portfolios are tailored to household cash needs, tax profiles and behavioral objectives, favoring diversification, disciplined rebalancing, low turnover and transparent fee-only implementation through discretionary advice and multi-advisor collaboration.
Operates a client-centric, fiduciary investment approach that integrates holistic retirement and cash‑flow planning with tax-aware, liability-driven portfolio construction. Emphasizes long-term, risk-managed allocations blending low‑cost passive core exposures with selective active strategies and manager selection. Portfolios are tailored to household cash needs, tax profiles and behavioral objectives, favoring diversification, disciplined rebalancing, low turnover and transparent fee-only implementation through discretionary advice and multi-advisor collaboration.
Disclaimer: This Portfolio is derived from and computed based on publicly available data from SEC filings.
Gain and growth charts are calculated per selected timeframe:
61.03%
Gain +0.31%
Monthly
0.54%
Yearly
6.72%
Drawdown
19.92%
$653.63M
Equity
Holdings
$653.63M
Investment
$533.37M
$122.52M
Profit +$1.18M
Realized
$2.26M
Unrealized
$120.26M
Dividends
$56.3M
Goals
Avg. 47.5% completed goals
Yearly
Gain > 5% 2026
Yearly
Gain < 20% 2026
Today
Compared To Yesterday
Gain
0.31%
Profit
$1.18M
Win %
75%
This Week
Compared To Last Week
Gain
-0.06%
Profit
-$411,287.05
Win %
75%
This Month
Compared to last month
Gain
0.89%
Profit
$5.73M
Win %
75%
This Year
Compared to last year
Gain
-0.92%
Profit
-$6.04M
Win %
76%
STLD Steel Dynamics Inc.
+2.93%
+$45,268.72 
TFC Truist Financial Corporation
+2.68%
+$21,370 
FERG Ferguson Enterprises Inc
+2.29%
+$26,372.97 
GEV GE Vernova Inc.
+2.03%
+$18,488.45 
GE General Electric Company
+1.81%
+$15,345.4 
COF Capital One Financial Corporation
+1.8%
+$5,531.1 
RTX RTX Corporation
+1.73%
+$5,109.48 
TSLA Tesla, Inc.
+1.73%
+$19,254.48 
CFG Citizens Financial Group, Inc.
+1.47%
+$2,968.62 
MDLZ Mondelez International, Inc.
+1.35%
+$3,150.95 
PM Philip Morris International Inc.
+1.32%
+$10,754.61 
LOW Lowe's Companies Inc.
+1.31%
+$6,168 
SCZ iShares MSCI EAFE Small-Cap ETF
+1.29%
+$55,338.78 
AUB Atlantic Union Bankshares Corporation
+1.29%
+$3,099.69 
CARE Carter Bankshares, Inc.
+1.29%
+$4,796.61 
DFIV Dimensional International Value ETF
+1.14%
+$5,644.16 
JNJ Johnson & Johnson
+1.13%
+$7,654.29 
CVX Chevron Corporation
+1.12%
+$18,779.56 
NKE Nike, Inc. - Class B
+1.1%
+$3,270.16 
WMT Walmart Inc.
+1.06%
+$7,971.25 
BRK-B Berkshire Hathaway Inc.
+1.05%
+$9,257.25 
SDY SPDR S&P Dividend ETF
+1.01%
+$2,529.6 
DFSV Dimensional US Small Cap Value ETF
+0.99%
+$5,476.94 
PG Procter & Gamble Co
+0.98%
+$6,323.23 
DFIS Dimensional International Small Cap ETF
+0.97%
+$4,477.55 
MO Altria Group, Inc.
+0.95%
+$2,397 
VGK Vanguard FTSE Europe ETF
+0.93%
+$2,045.25 
DFAI Dimensional International Core Equity Market ETF
+0.93%
+$3,154.3 
DFAT Dimensional US Targeted Value ETF
+0.92%
+$11,336.25 
IQLT iShares MSCI International Quality Factor ETF
+0.92%
+$3,264.16 
IEFA iShares Core MSCI EAFE ETF
+0.91%
+$8,154.96 
D Dominion Energy, Inc.
+0.89%
+$1,664.88 
EFA iShares MSCI EAFE ETF
+0.89%
+$9,057.4 
CAT Caterpillar Inc.
+0.85%
+$1,592.58 
SO The Southern Company
+0.85%
+$1,813.36 
VBR VANGUARD SMALL-CAP VALUE ETF
+0.8%
+$189,743.71 
VEA VANGUARD FTSE DEVELOPED MARKETS ETF
+0.8%
+$428,324.58 
VSS Vanguard FTSE All-World ex-US Small-Cap ETF
+0.79%
+$126,282 
VOE Vanguard Mid-Cap Value ETF
+0.77%
+$1,606.85 
NKSH National Bankshares Inc.
+0.72%
+$6,686.47 
NSC Norfolk Southern Corporation
+0.72%
+$21,846.17 
SPDW SPDR Portfolio Developed World ex-US ETF
+0.67%
+$96,065.31 
CSX CSX Corporation
+0.66%
+$5,061.12 
TPL Texas Pacific Land Corporation
+0.66%
+$4,862.36 
DFAX Dimensional World ex U.S. Core Equity 2 ETF
+0.66%
+$6,024.61 
IWS iShares Russell Mid-Cap Value ETF
+0.64%
+$3,094.14 
VFMF Vanguard U.S. Multifactor ETF
+0.62%
+$22,223.75 
VTV Vanguard Value ETF
+0.62%
+$413,410.74 
MCD McDonald's Corporation
+0.61%
+$2,089.76 
IJR iShares Core S&P Small-Cap ETF
+0.6%
+$2,398.7 
UNP Union Pacific Corporation
+0.59%
+$2,052.01 
IVE ISHARES S&P 500 VALUE ETF
+0.59%
+$1,894.57 
VNQI Vanguard Global ex-US Real Estate Index Fund
+0.59%
+$7,333.75 
WMB The Williams Companies, Inc.
+0.56%
+$1,577.55 
XOM Exxon Mobil Corporation
+0.56%
+$12,370.67 
ABT Abbott Laboratories
+0.55%
+$1,623.42 
SPYV SPDR Portfolio S&P 500 Value ETF
+0.55%
+$24,720.5 
IWD iShares Russell 1000 Value ETF
+0.55%
+$5,838 
RSP Invesco S&P 500 Equal Weight ETF
+0.53%
+$2,740.25 
FNDX Schwab Fundamental U.S. Large Company Index ETF
+0.52%
+$2,349.91 
AAPL Apple Inc.
+0.5%
+$10,065.7 
DFAR Dimensional US Real Estate ETF
+0.49%
+$1,026.84 
SLYV SPDR S&P 600 Small Cap Value ETF
+0.47%
+$15,547.21 
IJH iShares Core S&P Mid-Cap ETF
+0.47%
+$1,920.33 
VNQ Vanguard Real Estate ETF
+0.46%
+$67,718.7 
SLYG SPDR S&P 600 Small Cap Growth ETF
+0.42%
+$8,171.1 
VEU Vanguard FTSE All-World ex-US ETF
+0.41%
+$8,573.78 
VO Vanguard Mid-Cap ETF
+0.4%
+$18,343.65 
ICF iShares Cohen & Steers Realty Majors ETF
+0.37%
+$731.04 
VXUS Vanguard Total International Stock Index Fund Investor Shares
+0.36%
+$5,233.19 
PFE Pfizer Inc.
+0.32%
+$817.38 
URI United Rentals, Inc.
+0.31%
+$921.21 
IWR iShares Russell Mid-Cap ETF
+0.29%
+$626.88 
SLV iShares Silver Trust
+0.29%
+$616.2 
IWN iShares Russell 2000 Value ETF
+0.24%
+$631 
DFAC Dimensional U.S. Core Equity 2 ETF
+0.2%
+$1,866.69 
VB Vanguard Small-Cap ETF
+0.2%
+$3,832.11 
AOA iShares Core Aggressive Allocation ETF
+0.2%
+$557.46 
ABBV AbbVie Inc.
+0.14%
+$539.98 
IWP iShares Russell Mid-Cap Growth ETF
+0.13%
+$570.49 
UDR UDR Inc.
+0.12%
+$494.72 
IWV ISHARES RUSSELL 3000 ETF
+0.06%
+$171.08 
VTI VANGUARD TOTAL STOCK MKT ETF
+0.06%
+$8,198.91 
SPY SPDR S&P 500 ETF Trust
+0.05%
+$1,240.72 
BSV Vanguard Short-Term Bond ETF
+0.05%
+$19,559.32 
LRGF iShares U.S. Equity Factor ETF
+0.05%
+$757.92 
SPTS SPDR Portfolio Short Term Treasury ETF
+0.04%
+$401.76 
VOO Vanguard S&P 500 ETF
+0.03%
+$2,185.71 
VV Vanguard Large-Cap Index Fund ETF Shares
+0.02%
+$697.44 
VBIL Vanguard 3-Month Treasury Bill ETF
+0.02%
+$168.75 
IAGG iShares International Aggregate Bond Fund
0%
$0 
SCHZ Schwab U.S. Aggregate Bond ETF
0%
$0 
STX Seagate Technology Holdings plc
-3.52%
-$38,896 
GLW Corning Incorporated
-2.46%
-$12,243.36 
AVGO Broadcom Inc.
-1.6%
-$6,171.09 
EW Edwards Lifesciences Corporation
-1.17%
-$11,931.5 
DFAE Dimensional Emerging Core Equity Market ETF
-0.73%
-$4,919.48 
EEM iShares MSCI Emerging Markets ETF
-0.7%
-$2,341.8 
META Meta Platforms Inc Class A
-0.69%
-$3,203.95 
IEMG iShares Core MSCI Emerging Markets ETF
-0.66%
-$2,033.2 
GOOGL Alphabet Inc
-0.64%
-$5,261.76 
GOOG Alphabet Inc
-0.57%
-$5,403.6 
SPEM SPDR Portfolio Emerging Markets ETF
-0.54%
-$19,687.25 
SPYG SPDR Portfolio S&P 500 Growth ETF
-0.53%
-$26,930.8 
IWY iShares Russell Top 200 Growth ETF
-0.5%
-$1,162.16 
VWO Vanguard FTSE Emerging Markets ETF
-0.49%
-$87,840.71 
AMZN Amazon.com Inc
-0.48%
-$6,980.19 
IWF iShares Russell 1000 Growth ETF
-0.48%
-$7,951.2 
VUG Vanguard Growth ETF
-0.43%
-$321,696.57 
MSFT Microsoft Corp.
-0.4%
-$5,705.02 
IVW ISHARES S&P 500 GROWTH ETF (3IS8)
-0.31%
-$1,544.4 
VOT Vanguard Mid-Cap Growth ETF
-0.27%
-$1,033.85 
VBK Vanguard Small-Cap Growth ETF
-0.26%
-$57,315.86 
DHR Danaher Corporation
-0.25%
-$1,123.55 
CVS CVS Health Corporation
-0.22%
-$1,177.6 
CAH Cardinal Health Inc.
-0.2%
-$1,124.76 
BNDX Vanguard Total International Bond ETF
-0.14%
-$83,748.27 
MUB iShares National Muni Bond ETF
-0.13%
-$8,620.69 
ESGV Vanguard ESG U.S. Stock ETF
-0.12%
-$273.24 
BIV Vanguard Intermediate-Term Bond ETF (likely mapping for ticker 0V1L)
-0.1%
-$1,213.95 
VXF Vanguard Extended Market ETF
-0.1%
-$3,590.76 
DFNM Dimensional National Municipal Bond ETF
-0.06%
-$573.36 
VTEB Vanguard Tax-Exempt Bond ETF
-0.06%
-$7,870.77 
IVV iShares Core S&P 500 ETF
-0.04%
-$495.91 
SPAB SPDR Portfolio Aggregate Bond ETF
-0.04%
-$1,062.6 
AGG iShares Core U.S. Aggregate Bond ETF
-0.03%
-$171.9 
VCRB Vanguard Core Bond ETF
-0.03%
-$98.22 
SPHQ Invesco S&P 500 Quality ETF
-0.02%
-$51.76 
SUB iShares Short-Term National Muni Bond ETF
-0.02%
-$2,203.68 
VCIT Vanguard Intermediate-Term Corporate Bond Fund
-0.02%
-$1,513.95 
BND Vanguard Total Bond Market Index Fund
-0.01%
-$10,630.64 Events
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Dividends
Dividend Analysis
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| Trades 1540 | Longs Won 1013/1540 65% | Profit Factor 5.13 |
| Profitability | Shorts Won 0/0 0% | Standard Deviation $891,529.78 |
| Average Win $150,228.89 | Best Trade (Oct 14) $25.08M | Sharpe Ratio -12.49 |
| Average Loss -$56,292.39 | Worst Trade (Oct 14) -$6.8M | Z-Score 12.07 (100%) |
| Commissions $0 | Avg. Trade Length 2y 5m 1d | Expectancy $79,555.7 |
| Loss Size | 100% | 90% | 80% | 70% | 60% | 50% | 40% | 30% | 20% | 10% |
| Probability of Loss | <0.01% | <0.01% | <0.01% | <0.01% | <0.01% | <0.01% | <0.01% | <0.01% | <0.01% | <0.01% |
| Consecutive Losing Trades | 11,628 | 10,465 | 9,302 | 8,140 | 6,977 | 5,814 | 4,651 | 3,488 | 2,326 | 1,163 |
Hover over the desired column for a detailed explanation.
Returns
Overall, Monthly| Symbol | Quantity | Cost | Value | Comm. | Profit ($) | Gain (%) | Change |
|---|---|---|---|---|---|---|---|
| AAPL Apple Inc. | 5,921 | $828,765.44 | $2.04M | - | $1.21M | 145.55% | +0.497% |
| ABBV AbbVie Inc. | 1,317 | $241,200.08 | $373,777.77 | - | $132,577.69 | 54.97% | +0.145% |
| ABT Abbott Laboratories | 2,799 | $327,771.71 | $294,622.74 | - | -$33,148.97 | -10.11% | +0.554% |
| AGG iShares Core U.S. Aggregate Bond ETF | 5,730 | $558,986.09 | $546,527.4 | - | -$12,458.69 | -2.23% | -0.031% |
| AMZN Amazon.com Inc | 5,675 | $957,775.45 | $1.44M | - | $481,007.3 | 50.22% | -0.483% |
| AOA iShares Core Aggressive Allocation ETF | 2,934 | $259,530.54 | $286,475.76 | - | $26,945.22 | 10.38% | +0.195% |
| AUB Atlantic Union Bankshares Corporation | 6,262 | $221,090.56 | $242,934.29 | - | $21,843.73 | 9.88% | +1.292% |
| AVGO Broadcom Inc. | 1,121 | $210,607.16 | $379,822.82 | - | $169,215.66 | 80.35% | -1.599% |
| BIV Vanguard Intermediate-Term Bond ETF (likely mapping for ticker 0V1L) | 16,186 | $1.44M | $1.19M | - | -$248,066.46 | -17.26% | -0.102% |
| BND Vanguard Total Bond Market Index Fund | 1.06M | $84.03M | $75.26M | - | -$8.77M | -10.43% | -0.014% |
| BNDX Vanguard Total International Bond ETF | 1.29M | $68.66M | $60.74M | - | -$7.91M | -11.53% | -0.138% |
| BRK-B Berkshire Hathaway Inc. | 1,674 | $524,026.96 | $889,245.57 | - | $365,218.61 | 69.69% | +1.052% |
| BSV Vanguard Short-Term Bond ETF | 488,983 | $38.86M | $37.46M | - | -$1.4M | -3.6% | +0.052% |
| CAH Cardinal Health Inc. | 2,163 | $218,030 | $547,649.97 | - | $329,619.97 | 151.18% | -0.205% |
| CARE Carter Bankshares, Inc. | 12,299 | $180,612.4 | $377,579.3 | - | $196,966.9 | 109.06% | +1.287% |
| CAT Caterpillar Inc. | 254 | $270,485 | $188,445.14 | - | -$82,039.86 | -30.33% | +0.852% |
| CFG Citizens Financial Group, Inc. | 3,175 | $222,472 | $204,358.87 | - | -$18,113.13 | -8.14% | +1.474% |
| COF Capital One Financial Corporation | 1,545 | $216,479.88 | $312,769.8 | - | $96,289.92 | 44.48% | +1.8% |
| CSX CSX Corporation | 15,816 | $507,377.13 | $775,142.16 | - | $267,765.03 | 52.77% | +0.657% |
| CVS CVS Health Corporation | 5,888 | $488,004.44 | $543,933.44 | - | $55,929 | 11.46% | -0.216% |
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FAQ
Which stocks have generated the highest profits for Partners in Financial Planning?
The largest contributions to the portfolio's profits come from the following stocks: Vanguard Total Bond Market Index Fund - $9.08M, Vanguard Total International Bond ETF - $8.39M, Vanguard Value ETF - $6.44M, VANGUARD FTSE DEVELOPED MARKETS ETF - $5.89M, and Vanguard Short-Term Bond ETF - $3.74M. These positions have been the main drivers of growth and have significantly impacted the investor's overall performance.
Which stocks have generated the largest losses for this investor?
The largest losses in the portfolio are associated with the following stocks: Alphabet Inc - $634,454, Alphabet Inc - $519,619.65, Capital One Financial Corporation - $234,178.23, Nike, Inc. - Class B - $102,550.76, and iShares Core MSCI Emerging Markets ETF - $63,928.45. These positions have had the most negative impact on overall performance and highlight the weaker areas of the portfolio.
What dividends does Partners in Financial Planning's portfolio generate?
The portfolio generates substantial dividend income, with a total of $56.3M earned over time. The largest contributors to dividend income include Vanguard Total Bond Market Index Fund - $9.39M, Vanguard Total International Bond ETF - $8.66M, Vanguard Value ETF - $5.58M, VANGUARD FTSE DEVELOPED MARKETS ETF - $5.49M, and Vanguard Short-Term Bond ETF - $3.74M. This indicates that dividends play a meaningful role in the investor's overall strategy.
How stable are Partners in Financial Planning's monthly returns?
Partners in Financial Planning's monthly returns appear quite volatile. The gap between stronger and weaker months is meaningful, which suggests that the strategy can experience noticeable swings over relatively short periods. For users assessing this profile, that usually means returns may be attractive over time, but the path can be uneven and harder to tolerate during weaker periods.
Can Partners in Financial Planning's strategy be considered aggressive or moderate?
Partners in Financial Planning's strategy can be described as moderate. It balances growth potential with risk management, showing a willingness to accept some volatility while still maintaining a relatively structured and diversified approach.
Should beginners follow Partners in Financial Planning's strategy?
Partners in Financial Planning's strategy is probably not ideal for beginners. The combination of risk, volatility, or portfolio complexity may make it harder to follow and understand without prior experience. Users who are new to investing may find it challenging to replicate or tolerate the performance swings.
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