# EDGAR Filing Document

**Accession Number:** 0002100519
**File Stem:** 0002100519-26-000003
**Filing Date:** 2026-4
**Character Count:** 9047
**Document Hash:** 2062310c96f3c7569f78c3ee26b8d8db
**Contains OCR:** False
**Source Format:** 

## Filing Content

## Filing Summary
**0002100519-26-000003.hdr.sgml**: 20260430

**ACCESSION NUMBER**: 0002100519-26-000003

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

**PUBLIC DOCUMENT COUNT**: 2

**CONFORMED PERIOD OF REPORT**: 20260331

**FILED AS OF DATE**: 20260430

**DATE AS OF CHANGE**: 20260430

**EFFECTIVENESS DATE**: 20260430

**FILER**: 

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** Pearl Planning LLC
- **CENTRAL INDEX KEY:** 0002100519

**ORGANIZATION NAME:**
- **EIN:** 831690505
- **STATE OF INCORPORATION:** MI
- **FISCAL YEAR END:** 1231

**FILING VALUES:**
- **FORM TYPE:** 13F-HR
- **SEC ACT:** 1934 Act
- **SEC FILE NUMBER:** 028-26059
- **FILM NUMBER:** 26923764

**BUSINESS ADDRESS:**
- **STREET 1:** 8031 MAIN STREET
- **STREET 2:** SUITE 201
- **CITY:** DEXTER
- **STATE:** MI
- **ZIP:** 48130
- **BUSINESS PHONE:** 7342746744

**MAIL ADDRESS:**
- **STREET 1:** 8031 MAIN STREET
- **STREET 2:** SUITE 201
- **CITY:** DEXTER
- **STATE:** MI
- **ZIP:** 48130

### FORM 13F COVER PAGE

**Report for the Calendar Year or Quarter Ended:** 03-31-2026

**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:** Pearl Planning LLC<br>**Address:** 8031 MAIN STREET<br>SUITE 201<br>DEXTER, MI 48130

**Form 13F File Number:** 028-26059

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:** Melissa Joy<br>**Title:** CCO<br>**Phone:** 734-274-6744

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

Melissa Joy  Dexter, MI  04-30-2026<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:** 52

**Form 13F Information Table Value Total:** $187100702

      (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 |
| ALPHABET INC | CAP STK CL A | 02079K305 |  | 208481 | 725 | SH |  | SOLE |  | 98 | 0 | 627 |
| AMAZON COM INC | COM | 023135106 |  | 222849 | 1070 | SH |  | SOLE |  | 223 | 0 | 847 |
| AMERICAN CENTY ETF TR | INTL EQT ETF | 025072703 |  | 19607860 | 231116 | SH |  | SOLE |  | 32458 | 0 | 198658 |
| AMERICAN CENTY ETF TR | US SML CP VALU | 025072877 |  | 7217982 | 65339 | SH |  | SOLE |  | 9167 | 0 | 56171 |
| AMERICAN CENTY ETF TR | AVANTIS US SMALL | 025072323 |  | 704302 | 11305 | SH |  | SOLE |  | 0 | 0 | 11305 |
| APPLE INC | COM | 037833100 |  | 627115 | 2471 | SH |  | SOLE |  | 589 | 0 | 1882 |
| BROADCOM INC | COM | 11135F101 |  | 208610 | 674 | SH |  | SOLE |  | 113 | 0 | 561 |
| EA SERIES TRUST | FREEDOM 100 EM | 02072L607 |  | 9632645 | 176261 | SH |  | SOLE |  | 22309 | 0 | 153952 |
| EA SERIES TRUST | ALPHA ARCH 1-3 | 02072L565 |  | 5815198 | 50006 | SH |  | SOLE |  | 23575 | 0 | 26431 |
| FIDELITY MERRIMACK STR TR | TOTAL BD ETF | 316188309 |  | 16020589 | 351175 | SH |  | SOLE |  | 63890 | 0 | 287285 |
| INTERNATIONAL BUSINESS MACHS | COM | 459200101 |  | 667542 | 2754 | SH |  | SOLE |  | 23 | 0 | 2731 |
| INVESCO EXCH TRADED FD TR II | NASDAQ 100 ETF | 46138G649 |  | 5010360 | 21086 | SH |  | SOLE |  | 2924 | 0 | 18161 |
| INVESCO EXCH TRADED FD TR II | ESG NASDAQ 100 | 46138G540 |  | 2252461 | 56942 | SH |  | SOLE |  | 5755 | 0 | 51187 |
| INVESCO EXCH TRADED FD TR II | S INTL MOMNT | 46138E222 |  | 921771 | 16808 | SH |  | SOLE |  | 4091 | 0 | 12717 |
| INVESCO EXCHANGE TRADED FD T | S MDCP QUALITY | 46137V472 |  | 700821 | 6780 | SH |  | SOLE |  | 1795 | 0 | 4985 |
| INVESCO QQQ TR | UNIT SER 1 | 46090E103 |  | 2880324 | 4990 | SH |  | SOLE |  | 451 | 0 | 4539 |
| ISHARES TR | CORE DIV GRWTH | 46434V621 |  | 7475947 | 106525 | SH |  | SOLE |  | 16166 | 0 | 90359 |
| ISHARES TR | ESG AWARE MSCI | 46435U663 |  | 2035863 | 43298 | SH |  | SOLE |  | 2386 | 0 | 40912 |
| ISHARES TR | CORE S ETF | 464287200 |  | 883292 | 1352 | SH |  | SOLE |  | 59 | 0 | 1293 |
| ISHARES TR | MORNINGSTAR VALU | 464288109 |  | 491686 | 5279 | SH |  | SOLE |  | 0 | 0 | 5279 |
| ISHARES TR | CORE 1 5 YR USD | 46432F859 |  | 333550 | 6883 | SH |  | SOLE |  | 0 | 0 | 6883 |
| ISHARES TR | CORE MSCI EAFE | 46432F842 |  | 505791 | 5587 | SH |  | SOLE |  | 205 | 0 | 5382 |
| ISHARES TR | CORE US AGGBD ET | 464287226 |  | 737278 | 7427 | SH |  | SOLE |  | 676 | 0 | 6751 |
| ISHARES TR | CORE S MCP ETF | 464287507 |  | 687996 | 10188 | SH |  | SOLE |  | 0 | 0 | 10188 |
| ISHARES TR | NATIONAL MUN ETF | 464288414 |  | 1818774 | 17134 | SH |  | SOLE |  | 1217 | 0 | 15917 |
| ISHARES TR | MSCI USA QLT FCT | 46432F339 |  | 1089097 | 5678 | SH |  | SOLE |  | 97 | 0 | 5581 |
| ISHARES TR | RUS 1000 GRW ETF | 464287614 |  | 604712 | 1418 | SH |  | SOLE |  | 347 | 0 | 1071 |
| ISHARES TR | ESG AWR MSCI USA | 46435G425 |  | 244939 | 1732 | SH |  | SOLE |  | 0 | 0 | 1732 |
| J P MORGAN EXCHANGE TRADED F | INCOME ETF | 46641Q159 |  | 16499779 | 358146 | SH |  | SOLE |  | 65641 | 0 | 292505 |
| JPMORGAN CHASE  CO | COM | 46625H100 |  | 237975 | 809 | SH |  | SOLE |  | 144 | 0 | 665 |
| META PLATFORMS INC | CL A | 30303M102 |  | 418799 | 732 | SH |  | SOLE |  | 568 | 0 | 164 |
| MICROSOFT CORP | COM | 594918104 |  | 401634 | 1085 | SH |  | SOLE |  | 310 | 0 | 775 |
| NVIDIA CORPORATION | COM | 67066G104 |  | 290202 | 1664 | SH |  | SOLE |  | 453 | 0 | 1211 |
| ORACLE CORP | COM | 68389X105 |  | 444714 | 3023 | SH |  | SOLE |  | 73 | 0 | 2950 |
| RBB FUND TRUST | FIRST EAGLE OVER | 75526L878 |  | 318201 | 6306 | SH |  | SOLE |  | 0 | 0 | 6306 |
| REPUBLIC SVCS INC | COM | 760759100 |  | 409348 | 1869 | SH |  | SOLE |  | 0 | 0 | 1869 |
| SELECT SECTOR SPDR TR | STATE STREET TEC | 81369Y803 |  | 296633 | 2232 | SH |  | SOLE |  | 0 | 0 | 2232 |
| SPDR SERIES TRUST | STATE STREET SPD | 78468R663 |  | 3089053 | 33709 | SH |  | SOLE |  | 2754 | 0 | 30955 |
| T ROWE PRICE ETF INC | SMALL MID CAP | 87283Q826 |  | 4403262 | 120078 | SH |  | SOLE |  | 19630 | 0 | 100448 |
| TCW ETF TRUST | TRANSFRM 500 ETF | 29287L106 |  | 363280 | 4761 | SH |  | SOLE |  | 186 | 0 | 4575 |
| VANGUARD BD INDEX FDS | TOTAL BND MRKT | 921937835 |  | 2037132 | 27663 | SH |  | SOLE |  | 1176 | 0 | 26488 |
| VANGUARD BD INDEX FDS | SHORT TRM BOND | 921937827 |  | 3101202 | 39551 | SH |  | SOLE |  | 10279 | 0 | 29272 |
| VANGUARD BD INDEX FDS | INTERMED TERM | 921937819 |  | 1163017 | 15069 | SH |  | SOLE |  | 4535 | 0 | 10534 |
| VANGUARD INDEX FDS | MID CAP ETF | 922908629 |  | 12679800 | 44153 | SH |  | SOLE |  | 6174 | 0 | 37979 |
| VANGUARD INDEX FDS | TOTAL STK MKT | 922908769 |  | 259271 | 808 | SH |  | SOLE |  | 565 | 0 | 243 |
| VANGUARD INDEX FDS | VALUE ETF | 922908744 |  | 14361261 | 73197 | SH |  | SOLE |  | 9284 | 0 | 63913 |
| VANGUARD INDEX FDS | S 500 ETF SHS | 922908363 |  | 25529282 | 42723 | SH |  | SOLE |  | 5167 | 0 | 37556 |
| VANGUARD INDEX FDS | SMALL CP ETF | 922908751 |  | 901529 | 3442 | SH |  | SOLE |  | 280 | 0 | 3162 |
| VANGUARD INDEX FDS | SM CP VAL ETF | 922908611 |  | 323703 | 1490 | SH |  | SOLE |  | 58 | 0 | 1432 |
| VANGUARD TAX-MANAGED FDS | VAN FTSE DEV MKT | 921943858 |  | 773925 | 12077 | SH |  | SOLE |  | 1178 | 0 | 10899 |
| VANGUARD WORLD FD | ESG US CORP BD | 921910691 |  | 2607703 | 41504 | SH |  | SOLE |  | 6048 | 0 | 35456 |
| VANGUARD WORLD FD | ESG US STK ETF | 921910733 |  | 6582162 | 58628 | SH |  | SOLE |  | 7454 | 0 | 51174 |

---