# EDGAR Filing Document

**Accession Number:** 0001762997
**File Stem:** 0001951757-25-001163
**Filing Date:** 2025-10
**Character Count:** 14884
**Document Hash:** d9b7e2ee4f00a67d1fd110aa31396a18
**Contains OCR:** False
**Source Format:** 

## Filing Content

## Filing Summary
**0001951757-25-001163.hdr.sgml**: 20251017

**ACCESSION NUMBER**: 0001951757-25-001163

**CONFORMED SUBMISSION TYPE**: 13F-HR

**PUBLIC DOCUMENT COUNT**: 2

**CONFORMED PERIOD OF REPORT**: 20250930

**FILED AS OF DATE**: 20251017

**DATE AS OF CHANGE**: 20251017

**EFFECTIVENESS DATE**: 20251017

**FILER**: 

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** Total Wealth Planning, LLC
- **CENTRAL INDEX KEY:** 0001762997

**ORGANIZATION NAME:**
- **EIN:** 470988610
- **STATE OF INCORPORATION:** OH
- **FISCAL YEAR END:** 1231

**FILING VALUES:**
- **FORM TYPE:** 13F-HR
- **SEC ACT:** 1934 Act
- **SEC FILE NUMBER:** 028-19214
- **FILM NUMBER:** 251399472

**BUSINESS ADDRESS:**
- **STREET 1:** 4665 CORNELL RD
- **STREET 2:** STE 160
- **CITY:** CINCINNATI
- **STATE:** OH
- **ZIP:** 45241
- **BUSINESS PHONE:** 5139846696

**MAIL ADDRESS:**
- **STREET 1:** 4665 CORNELL RD
- **STREET 2:** STE 160
- **CITY:** CINCINNATI
- **STATE:** OH
- **ZIP:** 45241

### FORM 13F COVER PAGE

**Report for the Calendar Year or Quarter Ended:** 09-30-2025

**Check here if Amendment** [ ] **Amendment Number:** 

**This Amendment (Check only one.):** [ ] is a restatement.

[ ] adds new holdings entries.

**Institutional Investment Manager Filing this Report:**

**Name:** Total Wealth Planning LLC<br>**Address:** 4665 CORNELL RD<br>STE 160<br>CINCINNATI, OH 45241

**Form 13F File Number:** 028-19214

The institutional investment manager filing this report and the person by whom it is signed hereby represent that the person signing the report is authorized to submit it, that all information contained herein is true, correct and complete, and that it is understood that all required items, statements, schedules, lists, and tables, are considered integral parts of this form.

**Person Signing this Report on Behalf of Reporting Manager:**

**Name:** Robert Siegmann<br>**Title:** Chief Compliance Officer<br>**Phone:** (513) 984-6696

**Signature, Place, and Date of Signing:**

Robert Siegmann  Cincinnati, OH  10-17-2025<br>[Signature]  [City, State]  [Date]

**Report Type (Check only one.):**

[x] **13F HOLDINGS REPORT.** (Check here if all holdings of this reporting manager are reported in this report.)

[ ] **13F NOTICE.** (Check here if no holdings are reported in this report, and all holdings are reported by other reporting manager(s).)

[ ] **13F COMBINATION REPORT.** (Check here if a portion of the holdings for this reporting manager are reported in this report and a portion are reported by other reporting manager(s).)

### Form 13F Summary Page

**Report Summary:**

**Number of Other Included Managers:** 0

**Form 13F Information Table Entry Total:** 109

**Form 13F Information Table Value Total:** $864244839

      (round to nearest dollar)

**List of Other Included Managers:**

Provide a numbered list of the name(s) and Form 13F file number(s) of all institutional investment managers with respect to which this report is filed, other than the manager filing this report.

[If there are no entries in this list, state “NONE” and omit the column headings and list entries.]

**NONE**

### FORM 13F INFORMATION TABLE

---

|  |  |  |  |  |  |  |  |  |  |  |  |  |
| --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- |
| NAME OF ISSUER | TITLE OF CLASS | CUSIP | FIGI | VALUE (x$1000) | SHRS OR PRN AMT | SH/PRN | PUT/CALL | INVESTMENT DISCRETION | OTHER MANAGER | VOTING AUTHORITY | VOTING AUTHORITY | VOTING AUTHORITY |
| NAME OF ISSUER | TITLE OF CLASS | CUSIP | FIGI | VALUE (x$1000) | SHRS OR PRN AMT | SH/PRN | PUT/CALL | INVESTMENT DISCRETION | OTHER MANAGER | SOLE | SHARED | NONE |
| 3M CO | COM | 88579Y101 |  | 310360 | 2000 | SH |  | SOLE |  | 0 | 0 | 2000 |
| AMAZON COM INC | COM | 023135106 |  | 475369 | 2165 | SH |  | SOLE |  | 0 | 0 | 2165 |
| AMERICAN CENTY ETF TR | US SML CP VALU | 025072877 |  | 12675216 | 127351 | SH |  | SOLE |  | 0 | 0 | 127351 |
| AMERICAN CENTY ETF TR | INTERNATIONAL LR | 025072364 |  | 3741099 | 55473 | SH |  | SOLE |  | 0 | 0 | 55473 |
| AMERICAN CENTY ETF TR | US LARGE CAP VLU | 025072349 |  | 5204159 | 72020 | SH |  | SOLE |  | 0 | 0 | 72020 |
| AMERICAN CENTY ETF TR | AVANTIS EMGMKT | 025072604 |  | 8416159 | 112051 | SH |  | SOLE |  | 0 | 0 | 112051 |
| APPLE INC | COM | 037833100 |  | 1630656 | 6404 | SH |  | SOLE |  | 0 | 0 | 6404 |
| BERKSHIRE HATHAWAY INC DEL | CL B NEW | 084670702 |  | 304660 | 606 | SH |  | SOLE |  | 0 | 0 | 606 |
| BROADCOM INC | COM | 11135F101 |  | 212792 | 645 | SH |  | SOLE |  | 0 | 0 | 645 |
| CHEVRON CORP NEW | COM | 166764100 |  | 1702901 | 10966 | SH |  | SOLE |  | 0 | 0 | 10966 |
| CINCINNATI FINL CORP | COM | 172062101 |  | 273635 | 1731 | SH |  | SOLE |  | 0 | 0 | 1731 |
| DIMENSIONAL ETF TRUST | EMGR CRE EQT MNG | 25434V302 |  | 1984027 | 62925 | SH |  | SOLE |  | 0 | 0 | 62925 |
| DIMENSIONAL ETF TRUST | US CORE EQT MKT | 25434V104 |  | 412016 | 9004 | SH |  | SOLE |  | 0 | 0 | 9004 |
| DIMENSIONAL ETF TRUST | INTERNATNAL VAL | 25434V807 |  | 40632708 | 881021 | SH |  | SOLE |  | 0 | 0 | 881021 |
| DIMENSIONAL ETF TRUST | EMERGING MKTS CO | 25434V732 |  | 59144580 | 1844234 | SH |  | SOLE |  | 0 | 0 | 1844234 |
| DIMENSIONAL ETF TRUST | WORLD EQUITY ETF | 25434V617 |  | 536460 | 7465 | SH |  | SOLE |  | 0 | 0 | 7465 |
| DIMENSIONAL ETF TRUST | GLOBAL REAL EST | 25434V658 |  | 16788938 | 614754 | SH |  | SOLE |  | 0 | 0 | 614754 |
| DIMENSIONAL ETF TRUST | US MKTWIDE VALUE | 25434V724 |  | 5090969 | 113917 | SH |  | SOLE |  | 0 | 0 | 113917 |
| DIMENSIONAL ETF TRUST | US LARGE CAP VAL | 25434V666 |  | 34786587 | 1057343 | SH |  | SOLE |  | 0 | 0 | 1057343 |
| DIMENSIONAL ETF TRUST | US SMALL CAP ETF | 25434V500 |  | 902524 | 13183 | SH |  | SOLE |  | 0 | 0 | 13183 |
| DIMENSIONAL ETF TRUST | US TARGETED VLU | 25434V609 |  | 3584976 | 61587 | SH |  | SOLE |  | 0 | 0 | 61587 |
| DIMENSIONAL ETF TRUST | US SMALL CAP VAL | 25434V815 |  | 16250189 | 510370 | SH |  | SOLE |  | 0 | 0 | 510370 |
| DIMENSIONAL ETF TRUST | WORLD EX US CORE | 25434V880 |  | 329051 | 10486 | SH |  | SOLE |  | 0 | 0 | 10486 |
| DIMENSIONAL ETF TRUST | INTL CORE EQT MK | 25434V203 |  | 1345140 | 37005 | SH |  | SOLE |  | 0 | 0 | 37005 |
| DIMENSIONAL ETF TRUST | INFLATION PROTE | 25434V856 |  | 945505 | 22389 | SH |  | SOLE |  | 0 | 0 | 22389 |
| DIMENSIONAL ETF TRUST | INTL SMALL CAP E | 25434V773 |  | 35959187 | 1136870 | SH |  | SOLE |  | 0 | 0 | 1136870 |
| ELI LILLY  CO | COM | 532457108 |  | 24376659 | 31948 | SH |  | SOLE |  | 0 | 0 | 31948 |
| EXXON MOBIL CORP | COM | 30231G102 |  | 385718 | 3421 | SH |  | SOLE |  | 0 | 0 | 3421 |
| FIRST TR EXCHNG TRADED FD VI | SMITH UNCONSTRAI | 33740F888 |  | 443443 | 17605 | SH |  | SOLE |  | 0 | 0 | 17605 |
| INTUITIVE SURGICAL INC | COM NEW | 46120E602 |  | 770577 | 1723 | SH |  | SOLE |  | 0 | 0 | 1723 |
| INVESCO QQQ TR | UNIT SER 1 | 46090E103 |  | 938509 | 1563 | SH |  | SOLE |  | 0 | 0 | 1563 |
| ISHARES INC | MSCI EMRG CHN | 46434G764 |  | 2814678 | 41693 | SH |  | SOLE |  | 0 | 0 | 41693 |
| ISHARES TR | S 500 GRWT ETF | 464287309 |  | 5466716 | 45284 | SH |  | SOLE |  | 0 | 0 | 45284 |
| ISHARES TR | RUS 1000 GRW ETF | 464287614 |  | 15042777 | 32115 | SH |  | SOLE |  | 0 | 0 | 32115 |
| ISHARES TR | S MC 400GR ETF | 464287606 |  | 396450 | 4134 | SH |  | SOLE |  | 0 | 0 | 4134 |
| ISHARES TR | CORE US AGGBD ET | 464287226 |  | 976993 | 9746 | SH |  | SOLE |  | 0 | 0 | 9746 |
| ISHARES TR | CORE INTL AGGR | 46435G672 |  | 1180339 | 23040 | SH |  | SOLE |  | 0 | 0 | 23040 |
| ISHARES TR | RUS MDCP VAL ETF | 464287473 |  | 533434 | 3819 | SH |  | SOLE |  | 0 | 0 | 3819 |
| ISHARES TR | RUS 1000 VAL ETF | 464287598 |  | 6292985 | 30910 | SH |  | SOLE |  | 0 | 0 | 30910 |
| ISHARES TR | CORE S TTL STK | 464287150 |  | 480062 | 3296 | SH |  | SOLE |  | 0 | 0 | 3296 |
| ISHARES TR | SHRT NAT MUN ETF | 464288158 |  | 796843 | 7462 | SH |  | SOLE |  | 0 | 0 | 7462 |
| ISHARES TR | RUS 2000 VAL ETF | 464287630 |  | 1719449 | 9725 | SH |  | SOLE |  | 0 | 0 | 9725 |
| ISHARES TR | EAFE SML CP ETF | 464288273 |  | 6432124 | 83839 | SH |  | SOLE |  | 0 | 0 | 83839 |
| ISHARES TR | GL CLEAN ENE ETF | 464288224 |  | 178533 | 11533 | SH |  | SOLE |  | 0 | 0 | 11533 |
| ISHARES TR | SP SMCP600VL ETF | 464287879 |  | 928793 | 8399 | SH |  | SOLE |  | 0 | 0 | 8399 |
| ISHARES TR | RUS 2000 GRW ETF | 464287648 |  | 1589846 | 4968 | SH |  | SOLE |  | 0 | 0 | 4968 |
| ISHARES TR | CORE S SCP ETF | 464287804 |  | 803773 | 6764 | SH |  | SOLE |  | 0 | 0 | 6764 |
| ISHARES TR | GLB INFRASTR ETF | 464288372 |  | 5005156 | 81891 | SH |  | SOLE |  | 0 | 0 | 81891 |
| ISHARES TR | CORE S ETF | 464287200 |  | 463825 | 693 | SH |  | SOLE |  | 0 | 0 | 693 |
| ISHARES TR | EAFE GRWTH ETF | 464288885 |  | 2527937 | 22198 | SH |  | SOLE |  | 0 | 0 | 22198 |
| ISHARES TR | S SML 600 GWT | 464287887 |  | 4231043 | 29901 | SH |  | SOLE |  | 0 | 0 | 29901 |
| ISHARES TR | MSCI EAFE ETF | 464287465 |  | 238283 | 2552 | SH |  | SOLE |  | 0 | 0 | 2552 |
| ISHARES TR | EAFE VALUE ETF | 464288877 |  | 230690 | 3401 | SH |  | SOLE |  | 0 | 0 | 3401 |
| ISHARES TR | ISHS 1-5YR INVS | 464288646 |  | 6586008 | 124194 | SH |  | SOLE |  | 0 | 0 | 124194 |
| ISHARES TR | RUS MD CP GR ETF | 464287481 |  | 513819 | 3608 | SH |  | SOLE |  | 0 | 0 | 3608 |
| ISHARES TR | CORE MSCI EAFE | 46432F842 |  | 2843604 | 32569 | SH |  | SOLE |  | 0 | 0 | 32569 |
| ISHARES TR | S 500 VAL ETF | 464287408 |  | 1867447 | 9043 | SH |  | SOLE |  | 0 | 0 | 9043 |
| ISHARES TR | GLOBAL REIT ETF | 46434V647 |  | 519485 | 20324 | SH |  | SOLE |  | 0 | 0 | 20324 |
| ISHARES TR | S MC 400VL ETF | 464287705 |  | 626588 | 4830 | SH |  | SOLE |  | 0 | 0 | 4830 |
| J P MORGAN EXCHANGE TRADED F | SMALL  MID CAP | 46641Q118 |  | 30134169 | 475078 | SH |  | SOLE |  | 0 | 0 | 475078 |
| JOHNSON  JOHNSON | COM | 478160104 |  | 326176 | 1759 | SH |  | SOLE |  | 0 | 0 | 1759 |
| JPMORGAN CHASE  CO. | COM | 46625H100 |  | 2826253 | 8960 | SH |  | SOLE |  | 0 | 0 | 8960 |
| META PLATFORMS INC | CL A | 30303M102 |  | 232798 | 317 | SH |  | SOLE |  | 0 | 0 | 317 |
| MICROSOFT CORP | COM | 594918104 |  | 771746 | 1490 | SH |  | SOLE |  | 0 | 0 | 1490 |
| NETFLIX INC | COM | 64110L106 |  | 258967 | 216 | SH |  | SOLE |  | 0 | 0 | 216 |
| NORTHROP GRUMMAN CORP | COM | 666807102 |  | 540467 | 887 | SH |  | SOLE |  | 0 | 0 | 887 |
| NVIDIA CORPORATION | COM | 67066G104 |  | 587167 | 3147 | SH |  | SOLE |  | 0 | 0 | 3147 |
| PHILIP MORRIS INTL INC | COM | 718172109 |  | 275740 | 1700 | SH |  | SOLE |  | 0 | 0 | 1700 |
| PROCTER AND GAMBLE CO | COM | 742718109 |  | 3630426 | 23628 | SH |  | SOLE |  | 0 | 0 | 23628 |
| SCHWAB STRATEGIC TR | US AGGREGATE B | 808524839 |  | 97121668 | 4138120 | SH |  | SOLE |  | 0 | 0 | 4138120 |
| SCHWAB STRATEGIC TR | US DIVIDEND EQ | 808524797 |  | 3776990 | 138351 | SH |  | SOLE |  | 0 | 0 | 138351 |
| SCHWAB STRATEGIC TR | US LCAP GR ETF | 808524300 |  | 9049363 | 283590 | SH |  | SOLE |  | 0 | 0 | 283590 |
| SCHWAB STRATEGIC TR | US MID-CAP ETF | 808524508 |  | 269913 | 9106 | SH |  | SOLE |  | 0 | 0 | 9106 |
| SCHWAB STRATEGIC TR | US LCAP VA ETF | 808524409 |  | 9015486 | 309704 | SH |  | SOLE |  | 0 | 0 | 309704 |
| SPDR GOLD TR | GOLD SHS | 78463V107 |  | 7627232 | 21457 | SH |  | SOLE |  | 0 | 0 | 21457 |
| SPDR INDEX SHS FDS | DJ GLB RL ES ETF | 78463X749 |  | 1194069 | 26088 | SH |  | SOLE |  | 0 | 0 | 26088 |
| SPDR S 500 ETF TR | TR UNIT | 78462F103 |  | 412773 | 620 | SH |  | SOLE |  | 0 | 0 | 620 |
| SPDR SERIES TRUST | S 400 MDCP GRW | 78464A821 |  | 4797300 | 52395 | SH |  | SOLE |  | 0 | 0 | 52395 |
| SPDR SERIES TRUST | S 400 MDCP VAL | 78464A839 |  | 8316300 | 99704 | SH |  | SOLE |  | 0 | 0 | 99704 |
| SPDR SERIES TRUST | S 600 SMCP GRW | 78464A201 |  | 1668780 | 17695 | SH |  | SOLE |  | 0 | 0 | 17695 |
| SPDR SERIES TRUST | S 600 SMCP VAL | 78464A300 |  | 3481411 | 39271 | SH |  | SOLE |  | 0 | 0 | 39271 |
| SPDR SERIES TRUST | PORTFOLIO SHORT | 78464A474 |  | 2105609 | 69515 | SH |  | SOLE |  | 0 | 0 | 69515 |
| SPDR SERIES TRUST | PORTFOLI S | 78464A805 |  | 312829 | 3879 | SH |  | SOLE |  | 0 | 0 | 3879 |
| TESLA INC | COM | 88160R101 |  | 1037532 | 2333 | SH |  | SOLE |  | 0 | 0 | 2333 |
| TJX COS INC NEW | COM | 872540109 |  | 303679 | 2101 | SH |  | SOLE |  | 0 | 0 | 2101 |
| UNILEVER PLC | SPON ADR NEW | 904767704 |  | 343409 | 5793 | SH |  | SOLE |  | 0 | 0 | 5793 |
| URANIUM ENERGY CORP | COM | 916896103 |  | 133400 | 10000 | SH |  | SOLE |  | 0 | 0 | 10000 |
| VANGUARD BD INDEX FDS | TOTAL BND MRKT | 921937835 |  | 4550185 | 61183 | SH |  | SOLE |  | 0 | 0 | 61183 |
| VANGUARD BD INDEX FDS | SHORT TRM BOND | 921937827 |  | 535646 | 6788 | SH |  | SOLE |  | 0 | 0 | 6788 |
| VANGUARD CHARLOTTE FDS | TOTAL INT BD ETF | 92203J407 |  | 20379802 | 412046 | SH |  | SOLE |  | 0 | 0 | 412046 |
| VANGUARD INDEX FDS | SM CP VAL ETF | 922908611 |  | 22681540 | 108675 | SH |  | SOLE |  | 0 | 0 | 108675 |
| VANGUARD INDEX FDS | MCAP GR IDXVIP | 922908538 |  | 19079523 | 64943 | SH |  | SOLE |  | 0 | 0 | 64943 |
| VANGUARD INDEX FDS | GROWTH ETF | 922908736 |  | 70948881 | 147930 | SH |  | SOLE |  | 0 | 0 | 147930 |
| VANGUARD INDEX FDS | MID CAP ETF | 922908629 |  | 251619 | 857 | SH |  | SOLE |  | 0 | 0 | 857 |
| VANGUARD INDEX FDS | VALUE ETF | 922908744 |  | 60349073 | 323605 | SH |  | SOLE |  | 0 | 0 | 323605 |
| VANGUARD INDEX FDS | SML CP GRW ETF | 922908595 |  | 20367037 | 68433 | SH |  | SOLE |  | 0 | 0 | 68433 |
| VANGUARD INDEX FDS | REAL ESTATE ETF | 922908553 |  | 6153457 | 67310 | SH |  | SOLE |  | 0 | 0 | 67310 |
| VANGUARD INDEX FDS | SMALL CP ETF | 922908751 |  | 328345 | 1291 | SH |  | SOLE |  | 0 | 0 | 1291 |
| VANGUARD INDEX FDS | S 500 ETF SHS | 922908363 |  | 275208 | 449 | SH |  | SOLE |  | 0 | 0 | 449 |
| VANGUARD INDEX FDS | TOTAL STK MKT | 922908769 |  | 1653218 | 5038 | SH |  | SOLE |  | 0 | 0 | 5038 |
| VANGUARD INDEX FDS | MCAP VL IDXVIP | 922908512 |  | 30268181 | 173377 | SH |  | SOLE |  | 0 | 0 | 173377 |
| VANGUARD INTL EQUITY INDEX F | TT WRLD ST ETF | 922042742 |  | 805735 | 5847 | SH |  | SOLE |  | 0 | 0 | 5847 |
| VANGUARD INTL EQUITY INDEX F | GLB EX US ETF | 922042676 |  | 6986283 | 146340 | SH |  | SOLE |  | 0 | 0 | 146340 |
| VANGUARD INTL EQUITY INDEX F | FTSE EMR MKT ETF | 922042858 |  | 574585 | 10605 | SH |  | SOLE |  | 0 | 0 | 10605 |
| VANGUARD MALVERN FDS | STRM INFPROIDX | 922020805 |  | 2632860 | 52002 | SH |  | SOLE |  | 0 | 0 | 52002 |
| VANGUARD SCOTTSDALE FDS | SHRT TRM CORP BD | 92206C409 |  | 51664799 | 646376 | SH |  | SOLE |  | 0 | 0 | 646376 |
| VANGUARD SPECIALIZED FUNDS | DIV APP ETF | 921908844 |  | 571210 | 2647 | SH |  | SOLE |  | 0 | 0 | 2647 |
| VANGUARD TAX-MANAGED FDS | VAN FTSE DEV MKT | 921943858 |  | 533076 | 8896 | SH |  | SOLE |  | 0 | 0 | 8896 |
| WISDOMTREE TR | INTL SMCAP DIV | 97717W760 |  | 260475 | 3276 | SH |  | SOLE |  | 0 | 0 | 3276 |

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