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:
57.06%
Gain +0.32%
Monthly
0.6%
Yearly
7.39%
Drawdown
19.92%
$663.52M
Equity
Holdings
$663.52M
Investment
$533.37M
$132.4M
Profit +$1.23M
Realized
$2.26M
Unrealized
$130.15M
Dividends
$54.36M
Goals
Avg. 56% completed goals
Yearly
Gain > 5% 2026
Yearly
Gain < 20% 2026
Today
Compared To Yesterday
Gain
0.32%
Profit
$1.23M
Win %
79%
This Week
Compared To Last Week
Gain
0.19%
Profit
$1.23M
Win %
79%
This Month
Compared to last month
Gain
1.43%
Profit
$9.35M
Win %
79%
This Year
Compared to last year
Gain
0.58%
Profit
$3.85M
Win %
79%
FERG Ferguson Enterprises Inc
+2.76%
+$35,683.97 
DHR Danaher Corporation
+2.25%
+$9,007.96 
WMB The Williams Companies, Inc.
+2.06%
+$5,865.25 
GOOGL Alphabet Inc
+0.91%
+$7,563.8 
ABT Abbott Laboratories
+0.75%
+$2,267.19 
WMT Walmart Inc.
+0.72%
+$5,165.37 
TSLA Tesla, Inc.
+0.7%
+$7,051.83 
RTX RTX Corporation
+0.49%
+$1,718.93 
CAH Cardinal Health Inc.
+0.33%
+$1,687.16 
VBK Vanguard Small-Cap Growth ETF
+0.05%
+$11,266.22 
IWS iShares Russell Mid-Cap Value ETF
+0.04%
+$204.33 
SPTS SPDR Portfolio Short Term Treasury ETF
+0.04%
+$401.76 
DFIV Dimensional International Value ETF
+0.03%
+$176.38 
TPL Texas Pacific Land Corporation
+0.03%
+$214.22 
IWR iShares Russell Mid-Cap ETF
+0.03%
+$58.77 
BIV Vanguard Intermediate-Term Bond ETF (likely mapping for ticker 0V1L)
+0.03%
+$323.72 
DFAX Dimensional World ex U.S. Core Equity 2 ETF
+0.03%
+$251.13 
DFAE Dimensional Emerging Core Equity Market ETF
+0.03%
+$178.89 
IEMG iShares Core MSCI Emerging Markets ETF
+0.03%
+$78.97 
NSC Norfolk Southern Corporation
+0.02%
+$750.17 
SLV iShares Silver Trust
+0.02%
+$41.08 
VWO Vanguard FTSE Emerging Markets ETF
+0.02%
+$3,028.99 
VEA VANGUARD FTSE DEVELOPED MARKETS ETF
+0.01%
+$7,717.56 
VV Vanguard Large-Cap Index Fund ETF Shares
+0.01%
+$435.83 
IWD iShares Russell 1000 Value ETF
+0.01%
+$125.1 
SPHQ Invesco S&P 500 Quality ETF
+0.01%
+$25.88 
VEU Vanguard FTSE All-World ex-US ETF
+0.01%
+$252.17 
VXF Vanguard Extended Market ETF
+0.01%
+$468.36 
SO The Southern Company
+0.01%
+$23.86 
VGK Vanguard FTSE Europe ETF
+0.01%
+$25.25 
VNQ Vanguard Real Estate ETF
+0.01%
+$1,612.35 
STLD Steel Dynamics Inc.
+0.01%
+$127.6 
EEM iShares MSCI Emerging Markets ETF
+0.01%
+$26.02 
IVV iShares Core S&P 500 ETF
+0.01%
+$85.02 
IJR iShares Core S&P Small-Cap ETF
+0.01%
+$28.93 
VTV Vanguard Value ETF
+0.01%
+$4,493.6 
BSV Vanguard Short-Term Bond ETF
+0.01%
+$2,444.91 
IJH iShares Core S&P Mid-Cap ETF
+0.01%
+$28.24 
LRGF iShares U.S. Equity Factor ETF
+0.01%
+$94.74 
CAT Caterpillar Inc.
+0.01%
+$10.15 
AGG iShares Core U.S. Aggregate Bond ETF
+0.01%
+$28.65 
MUB iShares National Muni Bond ETF
+0.01%
+$319.29 
VOE Vanguard Mid-Cap Value ETF
+0.01%
+$10.16 
IVE ISHARES S&P 500 VALUE ETF
0%
+$13.62 
MCD McDonald's Corporation
0%
+$7.03 
CARE Carter Bankshares, Inc.
0%
$0 
EW Edwards Lifesciences Corporation
0%
$0 
NKE Nike, Inc. - Class B
0%
$0 
BND Vanguard Total Bond Market Index Fund
0%
$0 
BNDX Vanguard Total International Bond ETF
0%
$0 
DFNM Dimensional National Municipal Bond ETF
0%
$0 
DFIS Dimensional International Small Cap ETF
0%
$0 
ESGV Vanguard ESG U.S. Stock ETF
0%
$0 
FNDX Schwab Fundamental U.S. Large Company Index ETF
0%
$0 
IAGG iShares International Aggregate Bond Fund
0%
$0 
IEFA iShares Core MSCI EAFE ETF
0%
$0 
RSP Invesco S&P 500 Equal Weight ETF
0%
$0 
SCZ iShares MSCI EAFE Small-Cap ETF
0%
$0 
SPAB SPDR Portfolio Aggregate Bond ETF
0%
$0 
SPDW SPDR Portfolio Developed World ex-US ETF
0%
$0 
SPYV SPDR Portfolio S&P 500 Value ETF
0%
$0 
SUB iShares Short-Term National Muni Bond ETF
0%
$0 
VCIT Vanguard Intermediate-Term Corporate Bond Fund
0%
$0 
VNQI Vanguard Global ex-US Real Estate Index Fund
0%
$0 
VO Vanguard Mid-Cap ETF
0%
$0 
VFMF Vanguard U.S. Multifactor ETF
0%
$0 
VTI VANGUARD TOTAL STOCK MKT ETF
0%
$0 
VTEB Vanguard Tax-Exempt Bond ETF
0%
$0 
VCRB Vanguard Core Bond ETF
0%
$0 
VBIL Vanguard 3-Month Treasury Bill ETF
0%
$0 
BRK-B Berkshire Hathaway Inc.
0%
$0 
GLW Corning Incorporated
-4.78%
-$28,519.88 
NKSH National Bankshares Inc.
-4.23%
-$38,147.18 
LOW Lowe's Companies Inc.
-2%
-$10,728.02 
PM Philip Morris International Inc.
-1.88%
-$14,515.66 
MDLZ Mondelez International, Inc.
-1.73%
-$4,003.56 
AAPL Apple Inc.
-1.62%
-$30,019.47 
STX Seagate Technology Holdings plc
-1.45%
-$18,832.02 
TFC Truist Financial Corporation
-0.94%
-$8,377.04 
SLYG SPDR S&P 600 Small Cap Growth ETF
-0.54%
-$11,621.16 
EFA iShares MSCI EAFE ETF
-0.5%
-$5,316.3 
VXUS Vanguard Total International Stock Index Fund Investor Shares
-0.44%
-$6,520.04 
D Dominion Energy, Inc.
-0.36%
-$713.52 
IWF iShares Russell 1000 Growth ETF
-0.34%
-$5,698.36 
AUB Atlantic Union Bankshares Corporation
-0.31%
-$814.06 
URI United Rentals, Inc.
-0.1%
-$324.78 
DFAT Dimensional US Targeted Value ETF
-0.07%
-$906.9 
XOM Exxon Mobil Corporation
-0.06%
-$1,198.97 
ABBV AbbVie Inc.
-0.06%
-$197.54 
IWP iShares Russell Mid-Cap Growth ETF
-0.06%
-$272.41 
AVGO Broadcom Inc.
-0.06%
-$263.46 
COF Capital One Financial Corporation
-0.05%
-$169.95 
META Meta Platforms Inc Class A
-0.05%
-$178.68 
VB Vanguard Small-Cap ETF
-0.05%
-$941.13 
VSS Vanguard FTSE All-World ex-US Small-Cap ETF
-0.04%
-$6,838.17 
MO Altria Group, Inc.
-0.04%
-$85 
PFE Pfizer Inc.
-0.04%
-$86.04 
VBR VANGUARD SMALL-CAP VALUE ETF
-0.04%
-$8,963.27 
AOA iShares Core Aggressive Allocation ETF
-0.03%
-$88.02 
IWV ISHARES RUSSELL 3000 ETF
-0.03%
-$79.44 
SPY SPDR S&P 500 ETF Trust
-0.03%
-$696.01 
VOT Vanguard Mid-Cap Growth ETF
-0.03%
-$118.53 
CFG Citizens Financial Group, Inc.
-0.03%
-$63.5 
IWY iShares Russell Top 200 Growth ETF
-0.03%
-$63.7 
UDR UDR Inc.
-0.03%
-$123.68 
GOOG Alphabet Inc
-0.02%
-$218.85 
DFAI Dimensional International Core Equity Market ETF
-0.02%
-$81.93 
DFAC Dimensional U.S. Core Equity 2 ETF
-0.02%
-$207.41 
SCHZ Schwab U.S. Aggregate Bond ETF
-0.02%
-$68.12 
CVS CVS Health Corporation
-0.02%
-$117.76 
CSX CSX Corporation
-0.02%
-$158.16 
MSFT Microsoft Corp.
-0.02%
-$262.25 
UNP Union Pacific Corporation
-0.02%
-$71.99 
GEV GE Vernova Inc.
-0.02%
-$197.01 
DFAR Dimensional US Real Estate ETF
-0.02%
-$42.78 
IQLT iShares MSCI International Quality Factor ETF
-0.02%
-$70.96 
PG Procter & Gamble Co
-0.02%
-$102.61 
AMZN Amazon.com Inc
-0.01%
-$227.06 
VOO Vanguard S&P 500 ETF
-0.01%
-$1,202.52 
IVW ISHARES S&P 500 GROWTH ETF (3IS8)
-0.01%
-$70.23 
SDY SPDR S&P Dividend ETF
-0.01%
-$32.64 
VUG Vanguard Growth ETF
-0.01%
-$8,248.63 
SPEM SPDR Portfolio Emerging Markets ETF
-0.01%
-$357.95 
GE General Electric Company
-0.01%
-$81.48 
SPYG SPDR Portfolio S&P 500 Growth ETF
-0.01%
-$414.11 
ICF iShares Cohen & Steers Realty Majors ETF
-0.01%
-$15.23 
CVX Chevron Corporation
-0.01%
-$76.34 
DFSV Dimensional US Small Cap Value ETF
-0.01%
-$28.83 
SLYV SPDR S&P 600 Small Cap Value ETF
-0.01%
-$158.65 
JNJ Johnson & Johnson
0%
-$26.62 
IWN iShares Russell 2000 Value ETF
0%
-$12.63 Events
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Dividends
Dividend Analysis
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| Trades 1540 | Longs Won 1043/1540 67% | Profit Factor 6.13 |
| Profitability | Shorts Won 0/0 0% | Standard Deviation $885,070.91 |
| Average Win $151,678.87 | Best Trade (Aug 14) $25M | Sharpe Ratio -12.58 |
| Average Loss -$51,906.05 | Worst Trade (Sep 01) -$6.33M | Z-Score 19.38 (100%) |
| Commissions $0 | Avg. Trade Length 2y 4m 5d | Expectancy $85,976.46 |
| Loss Size | 100% | 90% | 80% | 70% | 60% | 50% | 40% | 30% | 20% | 10% |
| Probability of Loss | <0.01% | <0.01% | <0.01% | <0.01% | <0.01% | <0.01% | <0.01% | <0.01% | <0.01% | <0.01% |
| Consecutive Losing Trades | 12,821 | 11,538 | 10,256 | 8,974 | 7,692 | 6,410 | 5,128 | 3,846 | 2,564 | 1,282 |
Hover over the desired column for a detailed explanation.
Returns
Overall, Monthly| Symbol | Quantity | Cost | Value | Comm. | Profit ($) | Gain (%) | Change |
|---|---|---|---|---|---|---|---|
| AAPL Apple Inc. | 5,921 | $828,765.44 | $1.83M | - | $996,442.02 | 120.23% | -1.618% |
| ABBV AbbVie Inc. | 1,317 | $241,200.08 | $323,837.13 | - | $82,637.05 | 34.26% | -0.061% |
| ABT Abbott Laboratories | 2,799 | $327,771.71 | $304,027.38 | - | -$23,744.33 | -7.24% | +0.751% |
| AGG iShares Core U.S. Aggregate Bond ETF | 5,730 | $558,986.09 | $559,276.65 | - | $290.56 | 0.05% | +0.005% |
| AMZN Amazon.com Inc | 5,675 | $957,775.45 | $1.56M | - | $599,671.55 | 62.61% | -0.015% |
| AOA iShares Core Aggressive Allocation ETF | 2,934 | $259,530.54 | $291,522.24 | - | $31,991.7 | 12.33% | -0.03% |
| AUB Atlantic Union Bankshares Corporation | 6,262 | $221,090.56 | $260,812.3 | - | $39,721.74 | 17.97% | -0.311% |
| AVGO Broadcom Inc. | 1,121 | $210,607.16 | $479,255.51 | - | $268,648.35 | 127.56% | -0.055% |
| BIV Vanguard Intermediate-Term Bond ETF (likely mapping for ticker 0V1L) | 16,186 | $1.44M | $1.23M | - | -$211,728.89 | -14.73% | +0.026% |
| BND Vanguard Total Bond Market Index Fund | 1.06M | $84.03M | $76.97M | - | -$7.06M | -8.41% | 0.0 |
| BNDX Vanguard Total International Bond ETF | 1.29M | $68.66M | $61.78M | - | -$6.88M | -10.01% | 0.0 |
| BRK-B Berkshire Hathaway Inc. | 1,674 | $524,026.96 | $873,493.2 | - | $349,466.24 | 66.69% | 0.0 |
| BSV Vanguard Short-Term Bond ETF | 488,983 | $38.86M | $37.93M | - | -$928,311.53 | -2.39% | +0.006% |
| CAH Cardinal Health Inc. | 2,163 | $218,030 | $513,020.34 | - | $294,990.34 | 135.3% | +0.33% |
| CARE Carter Bankshares, Inc. | 12,299 | $180,612.4 | $405,867 | - | $225,254.6 | 124.72% | 0.0 |
| CAT Caterpillar Inc. | 254 | $270,485 | $213,926.41 | - | -$56,558.59 | -20.91% | +0.005% |
| CFG Citizens Financial Group, Inc. | 3,175 | $222,472 | $230,663.75 | - | $8,191.75 | 3.68% | -0.028% |
| COF Capital One Financial Corporation | 1,545 | $216,479.88 | $336,269.23 | - | $119,789.35 | 55.34% | -0.051% |
| CSX CSX Corporation | 15,816 | $507,377.13 | $794,912.16 | - | $287,535.03 | 56.67% | -0.02% |
| CVS CVS Health Corporation | 5,888 | $488,004.44 | $563,363.84 | - | $75,359.4 | 15.44% | -0.021% |
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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 - $8.81M, Vanguard Total International Bond ETF - $8.24M, Vanguard Value ETF - $6.14M, VANGUARD FTSE DEVELOPED MARKETS ETF - $5.75M, and Vanguard Short-Term Bond ETF - $3.61M. 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 - $635,055.92, Alphabet Inc - $520,136.43, Capital One Financial Corporation - $234,178.23, Nike, Inc. - Class B - $105,820.92, 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 $54.36M earned over time. The largest contributors to dividend income include Vanguard Total Bond Market Index Fund - $9.12M, Vanguard Total International Bond ETF - $8.51M, VANGUARD FTSE DEVELOPED MARKETS ETF - $5.35M, Vanguard Value ETF - $5.28M, and Vanguard Short-Term Bond ETF - $3.61M. 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.
