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Planning Directions Inc.

CIK:0000821103
Investment Adviser
$423M AUM
85 holdings
Glen Mills, PA, United States
Founded:1985
10 employees
Latest filing:Jun 30, 2025

Planning Directions, Inc., operating as Common Cents Planning, is a Glen Mills, Pennsylvania-based Registered Investment Adviser founded in 1985. The firm specializes in holistic wealth management for individuals, families, and organizations, providing personalized advice and investment strategies tailored to client needs. With a disciplined planning process, they are dedicated to protecting and preserving their clients’ financial futures. Exact employee count is not disclosed, but the team is led by founder and CEO Dunbar, serving clients primarily across the U.S.

Investment Strategy

Planning Directions, Inc. provides a comprehensive, client-centric planning process focused on holistic wealth management. Their approach prioritizes protecting and preserving client assets while delivering tailored solutions aligned with individual financial goals. Advice is independent, rooted in each client’s distinct needs and presented with transparency, aiming to simplify complex financial decisions and maximize opportunities through a disciplined, long-term planning philosophy.

Top Buys
V
VOTVANGUARD INDEX FDS
+$911.4K
J
JIREJ P MORGAN EXCHANGE TRADED F
+$858.4K
F
FLDRFIDELITY MERRIMACK STR TR
+$785.2K
I
IJRISHARES TR
+$568.4K
C
COINCOINBASE GLOBAL INC
+$479.3K
Top Sells
P
PMPHILIP MORRIS INTL INC
-$7.6M
H
HDHOME DEPOT INC
-$4.9M
Q
QCOMQUALCOMM INC
-$4.7M
P
PGPROCTER AND GAMBLE CO
-$4.5M
S
SPYSPDR S&P 500 ETF TR
-$4.0M

Top Holdings

S
SCHDSCHWAB STRATEGIC TR
+19.5%$34.6M
B
BSVVANGUARD BD INDEX FDS
+8.6%$15.3M
V
VIGVANGUARD SPECIALIZED FUNDS
+7.9%$14.0M
U
UITBVICTORY PORTFOLIOS II
+6.0%$10.7M
A
AAPLAPPLE INC
+5.0%$8.9M

Equity Positions (85)

TickerSecurityWeightMarket ValueSharesAvg CostPriceChange (QoQ)
S
SCHD
SCHWAB STRATEGIC TR19.50%$34.6M1,307,298$23.49$26.50-$1.1M
B
BSV
VANGUARD BD INDEX FDS8.61%$15.3M194,290$82.11$78.70-$102.4K
V
VIG
VANGUARD SPECIALIZED FUNDS7.85%$14.0M68,159$140.38$204.67+$185.6K
U
UITB
VICTORY PORTFOLIOS II6.02%$10.7M227,341$47.14$47.07-$40.0K
A
AAPL
APPLE INC4.99%$8.9M43,186$73.44$205.17-$907.8K

Industry Allocation

ELECTRONIC COMPUTERS
+5.2%
SEMICONDUCTORS & RELATED DEVICES
+1.8%
SERVICES-PREPACKAGED SOFTWARE
+1.0%
RETAIL-CATALOG & MAIL-ORDER HOUSES
+0.8%
FINANCE SERVICES
+0.7%