SEC Filing Analysis: WALLER FINANCIAL PLANNING GROUP, INC

Executive Summary

• Trading Significance: Low
• Key Takeaway: WALLER FINANCIAL PLANNING GROUP, INC filed a 13F-HR for the quarter ending September 30, 2025, disclosing $435.8 million in assets under management across 71 positions. The portfolio is heavily weighted towards large, diversified ETFs.
• Market Impact: As a standard quarterly disclosure from a financial planning group, this filing is unlikely to have a significant market impact on any single security. It serves as a data point for tracking institutional holdings.

Filer Information

Field	Value
Filer Name	WALLER FINANCIAL PLANNING GROUP, INC
CIK	0001736079
Type	Institutional Investment Manager
Total AUM	$435,818,631

Filing Details

Field	Value
Form Type	13F-HR (Holdings Report)
Filing Date	2025-10-09
Period of Report	2025-09-30
Accession Number	0001214659-25-014790

Portfolio Highlights

This filing is a holdings report, not a record of a single transaction. The table below summarizes the top 10 largest positions by value as of the reporting date.

#	Issuer	Title of Class	Value (USD)	Shares
1	ISHARES TR	CORE S&P500 ETF	$53,268,814	79,589
2	SPDR SERIES TRUST	PORTFOLIO S&P600	$38,881,330	839,407
3	SPDR SERIES TRUST	PORTFOLIO S&P400	$38,880,378	679,846
4	SPDR INDEX SHS FDS	PORTFOLIO DEVLPD	$38,177,035	892,195
5	INVESCO EXCH TRD SLF IDX FD	RUSL 1000 DYNM	$36,015,610	597,670
6	SPDR SERIES TRUST	PORTFOLIO AGRGTE	$23,254,453	899,592
7	ISHARES TR	INVESTMENT GRADE	$23,302,019	506,071
8	SELECT SECTOR SPDR TR	RL EST SEL SEC	$20,682,541	490,922
9	SCHWAB STRATEGIC TR	US DIVIDEND EQ	$20,024,013	733,480
10	VANGUARD TAX-MANAGED FDS	VAN FTSE DEV MKT	$10,447,321	174,354

Portfolio Analysis

Strategy Assessment

• Diversification: The portfolio is highly diversified across 71 positions, with a significant concentration in exchange-traded funds (ETFs).
• Asset Allocation: The top holdings consist of a mix of U.S. large-cap, mid-cap, small-cap, developed international, and aggregate bond market ETFs. This suggests a broad, passive, and globally diversified asset allocation strategy, typical of a financial planning or wealth management firm.
• Sentiment Indicator: Neutral. The filing reflects a standard, diversified asset allocation model rather than a high-conviction bullish or bearish bet on specific sectors or stocks.

Investment Insights

Key Observations

1. ETF Dominance: The largest positions are almost exclusively broad-market ETFs, indicating the firm primarily uses these instruments for core client portfolios.
2. Limited Single-Stock Exposure: While individual stocks like Amazon, Apple, and Microsoft are present, their position sizes are small relative to the total portfolio and the core ETF holdings.
3. Passive Strategy: The portfolio composition strongly suggests an adherence to Modern Portfolio Theory, using low-cost, diversified funds to capture market returns rather than active stock picking.

Contextual Analysis

Filing Purpose

Form 13F is a mandatory quarterly report for institutional investment managers with at least $100 million in equity assets under management. It discloses their long U.S. equity positions to the SEC.

Limitations of 13F Data

• Backward-Looking: The data is as of September 30, 2025, and may not reflect the firm's current holdings.
• Incomplete Picture: 13F filings do not include short positions, cash, bonds, or non-U.S. securities, providing only a partial view of the manager's overall strategy.

Risk Assessment

Risk Level for Interpretation: High

Key Risks in Using This Data

• Stale Information: Making trading decisions based on this 45-day-old data is risky, as the manager's positions could have changed significantly.
• Lack of Context: Without knowing the specific goals of the firm's clients, it's impossible to judge the appropriateness of this allocation for any individual investor.
• No Predictive Power: A diversified portfolio disclosure from a financial planning group is not a predictive signal for future market movements.

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IMPORTANT DISCLAIMER: This analysis is for informational purposes only and is not intended as investment advice. The information presented is based on publicly available SEC filings and should not be construed as a recommendation to buy, sell, or hold any securities. Past performance does not guarantee future results. All investments carry risk, including the potential loss of principal. Please consult with a qualified financial advisor before making any investment decisions.

Analysis generated on 2025-10-09 | Data source: SEC EDGAR