PLANNING DIRECTIONS INC

CIK 0000821103 · Q1 2026

13F Equity AUM

$197.6M

-0.4% QoQ

Positions

106

+5 QoQ

AUM Rank

#7,451

Top 60%

Skill Alpha (FF)

-1.2%/yr^ns

No Clear Edge

Rank #4,011 · Top 49%

vs S&P -8.3%/yr (unadj.)

Quarters Tracked

~8 years

Portfolio Concentration

Top 5: 39.0%Top 10: 56.6%Top 20: 75.4%

IVE11.3%

SCHD7.5%

VIG7.5%

UITB7.1%

AAPL5.5%

JPIE5.4%

MGV3.3%

BSV3.2%

FLDR3.0%

VT2.7%

Others (96)43.4%

HHI (Herfindahl-Hirschman Index) measures portfolio concentration. Low (<1500) = diversified, Moderate (1500-2500), High (>2500) = concentrated bets.

Sector Allocation

Financial Services86.5%

Technology9.1%

Other4.3%

Portfolio weight by GICS sector based on latest 13F filing. Sectors below 2% are grouped as “Other.”

Position Sizing

Positions: 106Median: 0.22%Avg: 0.94%

0–0.5%

71(13.8%)

0.5–1%

13(8.7%)

1–3%

13(23.6%)

3–5%

3(9.5%)

5%+

6(44.3%)

Count of positions per weight bucket — (%) = combined portfolio weight

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Portfolio Overlap

Shared: 104Unique: 2vs 20 funds

1.4%Low

106

Fund positions

7,299

Consensus CUSIPs

Jaccard similarity of this fund’s portfolio vs the consensus of top 20 funds by AUM. Low (<15%) = contrarian, Moderate (15-40%), High (>40%) = follows the crowd.

Most Similar Funds

Top 9 benchmark funds with highest portfolio overlap (Jaccard similarity)

MORGAN STANLEY

1.9%

BANK OF AMERICA CORP /DE/

2.2%

2.1%

3.1%

1.8%

1.2%

VANGUARD CAPITAL MANAGEMENT LLC

1.1%

VANGUARD PORTFOLIO MANAGEMENT LLC

1.3%

GEODE CAPITAL MANAGEMENT, LLC

Jaccard similarity per fund: shared CUSIPs / (fund A + fund B − shared). Higher values indicate more similar portfolios.

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Position Changes This Quarter

New9Increased55Decreased35Exited4

New Positions

IVE11.3%

+106K

JPIE5.4%

+230K

ISTB2.4%

+96K

IWD0.3%

+3K

PPA0.1%

+2K

PEO0.1%

+4K

JNJ0.1%

+850

IJH0.1%

+3K

LOAR0.1%

+4K

Increased

UITB7.1%

+18K(+6%)

NEAR1.1%

+9K(+29%)

FLDR3.0%

+6K(+6%)

JEPI1.8%

+6K(+10%)

AGNC0.1%

+5K(+40%)

JEPQ1.4%

+4K(+8%)

VCIT0.4%

+2K(+37%)

JIRE0.8%

+2K(+13%)

VWO0.2%

+2K(+40%)

VIGI0.2%

+2K(+69%)

Decreased

SCHD7.5%

-859,612(-64%)

BSV3.2%

-130,830(-62%)

SHYG0.7%

-94,789(-73%)

IJR2.4%

-22,003(-37%)

VCSH2.1%

-11,154(-17%)

VTEB0.3%

-5,911(-32%)

RSPS0.3%

-1,492(-6%)

VT2.7%

-1,393(-3%)

IYH0.3%

-1,212(-12%)

VO0.9%

-787(-11%)

Exited

IVV

-389

Holdings

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