Clear Perspectives Financial Planning, LLC

CINCINNATI, OH · CIK 1841174 · 13F filing filed 2023-05-11

No investment adviser registration (Form ADV) found for this filer. It may be a parent company whose subsidiaries are the registered advisers, a bank or insurer, or a manager based outside the US.

Others nearbyCincinnati, OH

$178.4m reported value -5.2% vs Q4 2022

197positions

67.9%in top 10

7 new 15 added 54 reduced 46 sold out vs Q4 2022

Holdings, Q1 2023

The small lines show how much was held over the last 4 quarters (adjusted for stock splits).

#	Security	Ticker	Shares	Value	% of portfolio	Change	Shares change
1	PROCTER AND GAMBLE CO COM PG	PG	119,795	$17.8m9.99%	9.99%	Added +11.4k	+11,422 10.5%
2	VANGUARD WHITEHALL FDS HIGH DIV YLD VYM	VYM	167,160	$17.6m9.89%	9.89%	Reduced -43.4k	-43,381 -20.6%
3	INVESCO EXCHANGE TRADED FD T S&P500 EQL WGT RSP	RSP	101,050	$14.6m8.19%	8.19%	Reduced -930	-930 -0.9%
4	VANGUARD INDEX FDS VALUE ETF VTV	VTV	104,162	$14.4m8.07%	8.07%	Reduced -6.4k	-6,447 -5.8%
5	VANGUARD INDEX FDS S&P 500 ETF SHS VOO	VOO	29,738	$11.2m6.27%	6.27%	Added +17.2k	+17,225 137.7%
6	ISHARES TR 0-3 MNTH TREASRY SGOV	SGOV	104,680	$10.5m5.90%	5.90%	Reduced -42.3k	-42,312 -28.8%
7	VANGUARD SPECIALIZED FUNDS DIV APP ETF VIG	VIG	68,074	$10.5m5.88%	5.88%	Added +57.8k	+57,843 565.4%
8	VANGUARD ADMIRAL FDS INC 500 VAL IDX FD VOOV	VOOV	63,978	$9.4m5.26%	5.26%	Added +59.5k	+59,476 1321.1%
9	VANGUARD STAR FDS VG TL INTL STK F VXUS	VXUS	138,081	$7.6m4.27%	4.27%	New
10	VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT VEA	VEA	165,572	$7.5m4.19%	4.19%	Added +165.4k	+165,411 102739.8%
11	SPDR SER TR S&P DIVID ETF SDY	SDY	59,084	$7.3m4.10%	4.10%	Reduced -1.5k	-1,491 -2.5%
12	ISHARES TR SELECT DIVID ETF DVY	DVY	55,540	$6.5m3.65%	3.65%	Reduced -31.9k	-31,894 -36.5%
13	VANGUARD WORLD FD MEGA GRWTH IND MGK	MGK	25,381	$5.2m2.91%	2.91%	Added +16.1k	+16,099 173.4%
14	VANGUARD WORLD FD MEGA CAP VAL ETF MGV	MGV	44,535	$4.5m2.52%	2.52%	Reduced -9.7k	-9,717 -17.9%
15	ISHARES TR GLOBAL 100 ETF IOO	IOO	43,702	$3.1m1.72%	1.72%	Added +38.2k	+38,196 693.7%
16	ISHARES TR RUS 1000 ETF IWB	IWB	13,376	$3.0m1.69%	1.69%	Reduced -285	-285 -2.1%
17	SPDR S&P 500 ETF TR TR UNIT SPY	SPY	6,235	$2.6m1.43%	1.43%	Added +250	+250 4.2%
18	SPDR SER TR BLOOMBERG 1-3 MO BIL	BIL	27,633	$2.5m1.42%	1.42%	Reduced -35.8k	-35,750 -56.4%
19	ISHARES TR CORE S&P500 ETF IVV	IVV	5,779	$2.4m1.33%	1.33%	Reduced -3	-3 -0.1%
20	VANGUARD INDEX FDS TOTAL STK MKT VTI	VTI	10,017	$2.0m1.15%	1.15%	Reduced -100	-100 -1.0%
21	VANGUARD INDEX FDS LARGE CAP ETF VV	VV	9,072	$1.7m0.95%	0.95%	Reduced -930	-930 -9.3%
22	INVESCO EXCH TRADED FD TR II S&P500 LOW VOL SPLV	SPLV	26,675	$1.7m0.93%	0.93%	Reduced -2.0k	-2,031 -7.1%
23	INVESCO QQQ TR UNIT SER 1 QQQ	QQQ	5,077	$1.6m0.91%	0.91%	Reduced -25	-25 -0.5%
24	ISHARES TR S&P 100 ETF OEF	OEF	5,712	$1.1m0.60%	0.60%	Reduced -143	-143 -2.4%
25	VANGUARD INDEX FDS GROWTH ETF VUG	VUG	4,237	$1.1m0.59%	0.59%	Added +379	+379 9.8%
26	ISHARES TR RUS 1000 GRW ETF IWF	IWF	4,184	$1.0m0.57%	0.57%	Reduced -2	-2 -0.1%
27	ISHARES TR MSCI USA MIN VOL USMV	USMV	9,195	$668.8k0.37%	0.37%	Reduced -5.0k	-4,975 -35.1%
28	ISHARES TR MSCI KLD400 SOC DSI	DSI	7,626	$594.8k0.33%	0.33%	Added +80	+80 1.1%
29	ISHARES TR CORE HIGH DV ETF HDV	HDV	5,352	$544.1k0.31%	0.31%	Reduced -50.6k	-50,560 -90.4%
30	DIMENSIONAL ETF TRUST US MKTWIDE VALUE DFUV	DFUV	15,754	$527.4k0.30%	0.30%	Reduced -31	-31 -0.2%
31	ISHARES TR MSCI USA ESG SLC SUSA	SUSA	4,978	$436.9k0.24%	0.24%	Unchanged
32	ISHARES TR RUSSELL 3000 ETF IWV	IWV	1,403	$330.4k0.19%	0.19%	Unchanged
33	VANGUARD INDEX FDS MCAP GR IDXVIP VOT	VOT	1,420	$276.7k0.16%	0.16%	Unchanged
34	RTX CORPORATION COM RTX	RTX	2,483	$243.2k0.14%	0.14%	Unchanged
35	VANGUARD INDEX FDS SMALL CP ETF VB	VB	1,280	$242.7k0.14%	0.14%	Added +43	+43 3.5%
36	CENTENE CORP DEL COM CNC	CNC	3,818	$241.3k0.14%	0.14%	Reduced -300	-300 -7.3%
37	VANGUARD WORLD FD HEALTH CAR ETF VHT	VHT	987	$235.5k0.13%	0.13%	Reduced -37	-37 -3.6%
38	AMERICAN CENTY ETF TR INTL EQT ETF AVDE	AVDE	3,800	$216.7k0.12%	0.12%	New
39	ISHARES TR MSCI ACWI ETF ACWI	ACWI	2,288	$208.6k0.12%	0.12%	Added +1.2k	+1,153 101.6%
40	VANGUARD INTL EQUITY INDEX F TT WRLD ST ETF VT	VT	2,263	$208.4k0.12%	0.12%	Unchanged
41	VANGUARD INDEX FDS EXTEND MKT ETF VXF	VXF	1,391	$195.0k0.11%	0.11%	Reduced -10	-10 -0.7%
42	MICROSOFT CORP COM MSFT	MSFT	614	$177.0k0.10%	0.10%	Unchanged
43	BRISTOL-MYERS SQUIBB CO COM BMY	BMY	2,546	$176.5k0.10%	0.10%	Unchanged
44	ISHARES TR RUS 1000 VAL ETF IWD	IWD	1,128	$171.8k0.10%	0.10%	Reduced -690	-690 -38.0%
45	REPLIGEN CORP COM RGEN	RGEN	975	$164.2k0.09%	0.09%	Unchanged
46	APPLE INC COM AAPL	AAPL	837	$138.0k0.08%	0.08%	Unchanged
47	VISA INC COM CL A V	V	610	$137.5k0.08%	0.08%	Unchanged
48	PEPSICO INC COM PEP	PEP	738	$134.5k0.08%	0.08%	Unchanged
49	VANGUARD INDEX FDS MID CAP ETF VO	VO	631	$133.1k0.07%	0.07%	Reduced -30	-30 -4.5%
50	JOHNSON & JOHNSON COM JNJ	JNJ	850	$131.8k0.07%	0.07%	Unchanged
51	SELECT SECTOR SPDR TR ENERGY XLE	XLE	1,420	$117.6k0.07%	0.07%	Reduced -7.5k	-7,525 -84.1%
52	CARRIER GLOBAL CORPORATION COM CARR	CARR	2,442	$111.7k0.06%	0.06%	Unchanged
53	OTIS WORLDWIDE CORP COM OTIS	OTIS	1,231	$103.9k0.06%	0.06%	Unchanged
54	VANGUARD WORLD FD UTILITIES ETF VPU	VPU	600	$88.5k0.05%	0.05%	Unchanged
55	MERCK & CO INC COM MRK	MRK	813	$86.5k0.05%	0.05%	Unchanged
56	GLOBAL X FDS US INFR DEV ETF PAVE	PAVE	2,925	$82.9k0.05%	0.05%	Unchanged
57	VANGUARD INDEX FDS MCAP VL IDXVIP VOE	VOE	560	$75.1k0.04%	0.04%	Reduced -188	-188 -25.1%
58	CHEVRON CORP NEW COM CVX	CVX	457	$74.6k0.04%	0.04%	Unchanged
59	CINCINNATI FINL CORP COM CINF	CINF	655	$73.4k0.04%	0.04%	Unchanged
60	SELECT SECTOR SPDR TR INDL XLI	XLI	715	$72.3k0.04%	0.04%	Unchanged
61	AMAZON COM INC COM AMZN	AMZN	700	$72.3k0.04%	0.04%	Reduced -2	-2 -0.3%
62	ISHARES TR AGGRES ALLOC ETF AOA	AOA	1,073	$68.2k0.04%	0.04%	Reduced -35	-35 -3.2%
63	ALPHABET INC CAP STK CL A GOOGL	GOOGL	600	$62.2k0.03%	0.03%	Reduced -9	-9 -1.5%
64	BERKSHIRE HATHAWAY INC DEL CL B NEW BRK.B	BRK.B	200	$61.8k0.03%	0.03%	Reduced -2	-2 -1.0%
65	SPDR SERIES TRUST PRTFLO S&P500 GW SPYG	SPYG	1,100	$60.9k0.03%	0.03%	Unchanged
66	SCHWAB STRATEGIC TR US LCAP VA ETF SCHV	SCHV	900	$59.0k0.03%	0.03%	Unchanged
67	SCHWAB STRATEGIC TR US LCAP GR ETF SCHG	SCHG	900	$58.7k0.03%	0.03%	Unchanged
68	PUBLIC SVC ENTERPRISE GRP IN COM PEG	PEG	887	$55.4k0.03%	0.03%	Unchanged
69	MASTERCARD INCORPORATED CL A MA	MA	150	$54.5k0.03%	0.03%	Unchanged
70	YUM BRANDS INC COM YUM	YUM	394	$52.0k0.03%	0.03%	Unchanged
71	ALPHABET INC CAP STK CL C GOOG	GOOG	500	$52.0k0.03%	0.03%	Unchanged
72	INTEL CORP COM INTC	INTC	1,568	$51.2k0.03%	0.03%	Unchanged
73	ISHARES TR S&P 500 VAL ETF IVE	IVE	336	$51.0k0.03%	0.03%	Reduced -54	-54 -13.8%
74	KROGER CO COM KR	KR	970	$47.9k0.03%	0.03%	Unchanged
75	BOOKING HOLDINGS INC COM BKNG	BKNG	17	$45.1k0.03%	0.03%	Unchanged
76	STARBUCKS CORP COM SBUX	SBUX	414	$43.1k0.02%	0.02%	Unchanged
77	SELECT SECTOR SPDR TR SBI HEALTHCARE XLV	XLV	325	$42.1k0.02%	0.02%	Unchanged
78	FIFTH THIRD BANCORP COM FITB	FITB	1,577	$42.0k0.02%	0.02%	Added +462	+462 41.4%
79	SMUCKER J M CO COM NEW SJM	SJM	265	$41.7k0.02%	0.02%	Unchanged
80	ISHARES TR GLOBAL ENERG ETF IXC	IXC	1,100	$41.5k0.02%	0.02%	Unchanged
81	AMGEN INC COM AMGN	AMGN	168	$40.6k0.02%	0.02%	Unchanged
82	KONINKLIJKE AHOLD DELHAIZE NV COM COM AHODF	AHODF	1,096	$37.3k0.02%	0.02%	Unchanged
83	CONOCOPHILLIPS COM COP	COP	374	$37.1k0.02%	0.02%	Reduced -3	-3 -0.8%
84	FIDELITY COVINGTON TRUST MSCI HLTH CARE I FHLC	FHLC	600	$36.9k0.02%	0.02%	Reduced -600	-600 -50.0%
85	ISHARES TR CORE S&P SCP ETF IJR	IJR	364	$35.2k0.02%	0.02%	Reduced -32	-32 -8.1%
86	DARDEN RESTAURANTS INC COM DRI	DRI	220	$34.1k0.02%	0.02%	Unchanged
87	SPDR SERIES TRUST PORTFOLIO S&P500 SPYM	SPYM	675	$32.5k0.02%	0.02%	Reduced -800	-800 -54.2%
88	VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF VWO	VWO	800	$32.3k0.02%	0.02%	Added +631	+631 373.4%
89	SCHWAB STRATEGIC TR INTL EQTY ETF SCHF	SCHF	920	$32.0k0.02%	0.02%	Unchanged
90	LIBERTY BROADBAND CORP COM SER C LBRDK	LBRDK	385	$31.5k0.02%	0.02%	Unchanged
91	INVESCO EXCHANGE TRADED FD T HIG YLD EQ DIV PEY	PEY	1,570	$31.3k0.02%	0.02%	Reduced -194.3k	-194,320 -99.2%
92	DUKE ENERGY CORP NEW COM NEW DUK	DUK	316	$30.5k0.02%	0.02%	Reduced -3	-3 -0.9%
93	MONSTER BEVERAGE CORP NEW COM MNST	MNST	540	$29.2k0.02%	0.02%	Unchanged
94	MCDONALDS CORP COM MCD	MCD	102	$28.5k0.02%	0.02%	Unchanged
95	SPDR GOLD TR GOLD SHS GLD	GLD	155	$28.4k0.02%	0.02%	Reduced -116	-116 -42.8%
96	HUMANA INC COM HUM	HUM	57	$27.7k0.02%	0.02%	Unchanged
97	ELI LILLY & CO COM LLY	LLY	80	$27.5k0.02%	0.02%	Unchanged
98	EXXON MOBIL CORP COM XOM	XOM	236	$25.9k0.01%	0.01%	Unchanged
99	SCHWAB STRATEGIC TR US SML CAP ETF SCHA	SCHA	600	$25.2k0.01%	0.01%	Reduced -171	-171 -22.2%
100	COSTCO WHSL CORP NEW COM COST	COST	50	$24.8k0.01%	0.01%	Unchanged

Sold out since Q4 2022

Security	Ticker	Shares held before	Value then
INVESCO ACTVELY MNGD ETC FD PDBC	PDBC	489,803	$7.2m489.8k shares
FIRST TR EXCHANGE TRAD FD VI FTGC	FTGC	204,585	$5.0m204.6k shares
INVESCO EXCHANGE TRADED FD T RPV	RPV	56,294	$4.4m56.3k shares
SPDR SER TR SPYD	SPYD	99,909	$4.0m99.9k shares
OREGON ST GO BDS CLBL OR ORS 3 06.01.2030	OR ORS 3 06.01.2030	60	$60.4k60 shares
VANGUARD MUN BD FDS VTEB	VTEB	1,035	$51.2k1.0k shares
HAGERTY INC HGTY	HGTY	6,000	$50.5k6.0k shares
AT&T INC T	T	2,000	$36.8k2.0k shares
ISHARES TR AGG	AGG	292	$28.3k292 shares
CVS HEALTH CORP CVS	CVS	211	$19.7k211 shares
ISHARES TR SHY	SHY	225	$18.3k225 shares
BROADCOM INC AVGO	AVGO	31	$17.3k31 shares
VANGUARD MALVERN FDS VTIP	VTIP	348	$16.3k348 shares
ISHARES TR LQD	LQD	154	$16.2k154 shares
SPDR SER TR TFI	TFI	320	$14.6k320 shares
ISHARES TR IGIB	IGIB	256	$12.7k256 shares
ISHARES TR HYG	HYG	98	$7.2k98 shares
INVESCO EXCH TRADED FD TR II PDN	PDN	179	$5.3k179 shares
ISHARES TR IEI	IEI	36	$4.1k36 shares
ISHARES TR QUAL	QUAL	25	$2.8k25 shares
SCHWAB STRATEGIC TR FNDX	FNDX	38	$2.0k38 shares
ORGANON & CO OGN	OGN	55	$1.5k55 shares
VANGUARD BD INDEX FDS BSV	BSV	19	$1.4k19 shares
ISHARES TR SHYG	SHYG	34	$1.4k34 shares
ISHARES GOLD TR IAU	IAU	40	$1.4k40 shares