# EDGAR Filing Document

**Accession Number:** 0000821103
**File Stem:** 0000821103-25-000002
**Filing Date:** 2025-11
**Character Count:** 14320
**Document Hash:** f0d3e251cb48f11f74926707e676b9ed
**Contains OCR:** False
**Source Format:** 

## Filing Content

## Filing Summary
**0000821103-25-000002.hdr.sgml**: 20251113

**ACCESSION NUMBER**: 0000821103-25-000002

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

**PUBLIC DOCUMENT COUNT**: 2

**CONFORMED PERIOD OF REPORT**: 20250930

**FILED AS OF DATE**: 20251113

**DATE AS OF CHANGE**: 20251112

**EFFECTIVENESS DATE**: 20251113

**FILER**: 

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** PLANNING DIRECTIONS INC
- **CENTRAL INDEX KEY:** 0000821103

**ORGANIZATION NAME:**
- **EIN:** 232474859
- **STATE OF INCORPORATION:** PA
- **FISCAL YEAR END:** 1231

**FILING VALUES:**
- **FORM TYPE:** 13F-HR
- **SEC ACT:** 1934 Act
- **SEC FILE NUMBER:** 028-18748
- **FILM NUMBER:** 251474869

**BUSINESS ADDRESS:**
- **STREET 1:** 239 BALTIMORE PIKE
- **CITY:** GLEN MILLS
- **STATE:** PA
- **ZIP:** 19342
- **BUSINESS PHONE:** 610-361-0865

**MAIL ADDRESS:**
- **STREET 1:** 239 BALTIMORE PIKE
- **CITY:** GLEN MILLS
- **STATE:** PA
- **ZIP:** 19342

**FORMER COMPANY:**
- **FORMER CONFORMED NAME:** PLANNING DIRECTIONS INC                                 /ADV
- **DATE OF NAME CHANGE:** 19870908

### 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:** PLANNING DIRECTIONS INC<br>**Address:** 239 BALTIMORE PIKE<br>GLEN MILLS, PA 19342

**Form 13F File Number:** 028-18748

**CRD Number (if applicable):** 000120131

**SEC File Number (if applicable):** 801-62686

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:** Matthew Ellis<br>**Title:** President/Chief Compliance Officer<br>**Phone:** 610-361-0865

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

/s/Matthew Ellis  Glen Mills, PA  11-12-2025<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:** 93

**Form 13F Information Table Value Total:** $191581530

      (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 |
| AGNC INVT CORP | COM | 00123Q104 | BBG001T074G2 | 119904 | 12248 | SH |  | SOLE |  | 12248 | 0 | 0 |
| ALPHABET INC | CAP STK CL A | 02079K305 | BBG009S39JY5 | 413014 | 1699 | SH |  | SOLE |  | 1699 | 0 | 0 |
| AMAZON COM INC | COM | 023135106 | BBG001S5PQL7 | 1466508 | 6679 | SH |  | SOLE |  | 6679 | 0 | 0 |
| AMERICAN EXPRESS CO | COM | 025816109 | BBG001S5P034 | 202468 | 610 | SH |  | SOLE |  | 610 | 0 | 0 |
| APPLE INC | COM | 037833100 | BBG001S5N8V8 | 10962418 | 43052 | SH |  | SOLE |  | 43052 | 0 | 0 |
| APPLIED MATLS INC | COM | 038222105 | BBG001S5NMM7 | 664992 | 3248 | SH |  | SOLE |  | 3248 | 0 | 0 |
| BERKSHIRE HATHAWAY INC DEL | CL B NEW | 084670702 | BBG001S90346 | 263436 | 524 | SH |  | SOLE |  | 524 | 0 | 0 |
| BLACKSTONE INC | COM | 09260D107 | BBG001S7H949 | 256201 | 1500 | SH |  | SOLE |  | 1500 | 0 | 0 |
| BOEING CO | COM | 097023105 | BBG001S5P0V3 | 314116 | 1455 | SH |  | SOLE |  | 1455 | 0 | 0 |
| CATERPILLAR INC | COM | 149123101 | BBG001S5PJ06 | 224052 | 470 | SH |  | SOLE |  | 470 | 0 | 0 |
| COINBASE GLOBAL INC | COM CL A | 19260Q107 | BBG00ZGF7799 | 1156916 | 3428 | SH |  | SOLE |  | 3428 | 0 | 0 |
| CONSTELLATION ENERGY CORP | COM | 21037T109 | BBG014KFRPJ9 | 515301 | 1566 | SH |  | SOLE |  | 1566 | 0 | 0 |
| CORMEDIX INC | COM | 21900C308 | BBG001T6FWS5 | 581500 | 50000 | SH |  | SOLE |  | 50000 | 0 | 0 |
| COSTCO WHSL CORP NEW | COM | 22160K105 | BBG001S9KRQ7 | 285837 | 309 | SH |  | SOLE |  | 309 | 0 | 0 |
| DEERE  CO | COM | 244199105 | BBG001S5QFF7 | 325401 | 712 | SH |  | SOLE |  | 712 | 0 | 0 |
| DELL TECHNOLOGIES INC | CL C | 24703L202 | BBG00DW3SZT0 | 366305 | 2584 | SH |  | SOLE |  | 2584 | 0 | 0 |
| EXXON MOBIL CORP | COM | 30231G102 | BBG001S69V32 | 473788 | 4202 | SH |  | SOLE |  | 4202 | 0 | 0 |
| FIDELITY COVINGTON TRUST | HIGH DIVID ETF | 316092840 | BBG00DR7RGF5 | 206225 | 3702 | SH |  | SOLE |  | 3702 | 0 | 0 |
| FIDELITY MERRIMACK STR TR | INVESTMENT GR BD | 316188606 | BBG00ZGX8904 | 204015 | 4690 | SH |  | SOLE |  | 4690 | 0 | 0 |
| FIDELITY MERRIMACK STR TR | LOW DURTIN ETF | 316188408 | BBG00L4J9BR4 | 5973431 | 118993 | SH |  | SOLE |  | 118993 | 0 | 0 |
| FIRST TR EXCHANGE-TRADED FD | SHS | 33734H106 | BBG001SLWD88 | 508131 | 10989 | SH |  | SOLE |  | 10989 | 0 | 0 |
| GLOBAL X FDS | US INFR DEV ETF | 37954Y673 | BBG00G5CR9C0 | 381561 | 8011 | SH |  | SOLE |  | 8011 | 0 | 0 |
| HCA HEALTHCARE INC | COM | 40412C101 | BBG001T8NTY2 | 237670 | 558 | SH |  | SOLE |  | 558 | 0 | 0 |
| HOME DEPOT INC | COM | 437076102 | BBG001S5RTW7 | 430978 | 1064 | SH |  | SOLE |  | 1064 | 0 | 0 |
| INTERNATIONAL BUSINESS MACHS | COM | 459200101 | BBG001S5S399 | 294878 | 1045 | SH |  | SOLE |  | 1045 | 0 | 0 |
| INVESCO EXCHANGE TRADED FD T | S EQL STP | 46137V373 | BBG00KJR2LY9 | 721025 | 24672 | SH |  | SOLE |  | 24672 | 0 | 0 |
| ISHARES INC | MSCI GBL MIN VOL | 464286525 | BBG0025X39Q6 | 1357170 | 11317 | SH |  | SOLE |  | 11317 | 0 | 0 |
| ISHARES TR | 0-5YR HI YL CP | 46434V407 | BBG005DW06B7 | 4622383 | 106752 | SH |  | SOLE |  | 106752 | 0 | 0 |
| ISHARES TR | CORE DIV GRWTH | 46434V621 | BBG006MJFZK4 | 240429 | 3532 | SH |  | SOLE |  | 3532 | 0 | 0 |
| ISHARES TR | CORE S SCP ETF | 464287804 | BBG001SFC7W9 | 6322248 | 53204 | SH |  | SOLE |  | 53204 | 0 | 0 |
| ISHARES TR | CORE S TTL STK | 464287150 | BBG001SHTRL5 | 275665 | 1893 | SH |  | SOLE |  | 1893 | 0 | 0 |
| ISHARES TR | CORE S US GWT | 464287671 | BBG001SFQL99 | 2782721 | 16912 | SH |  | SOLE |  | 16912 | 0 | 0 |
| ISHARES TR | CORE S ETF | 464287200 | BBG001SFB7R6 | 373453 | 558 | SH |  | SOLE |  | 558 | 0 | 0 |
| ISHARES TR | MSCI EAFE MIN VL | 46429B689 | BBG0025X2WP7 | 238053 | 2806 | SH |  | SOLE |  | 2806 | 0 | 0 |
| ISHARES TR | MSCI USA MIN VOL | 46429B697 | BBG0025X2G81 | 457556 | 4809 | SH |  | SOLE |  | 4809 | 0 | 0 |
| ISHARES TR | RUS MDCP VAL ETF | 464287473 | BBG001S561V2 | 318794 | 2282 | SH |  | SOLE |  | 2282 | 0 | 0 |
| ISHARES TR | U.S. TECH ETF | 464287721 | BBG001SFB7Z7 | 487217 | 2488 | SH |  | SOLE |  | 2488 | 0 | 0 |
| ISHARES TR | US AER DEF ETF | 464288760 | BBG001SC08P5 | 248547 | 1188 | SH |  | SOLE |  | 1188 | 0 | 0 |
| ISHARES TR | US CONSUM DISCRE | 464287580 | BBG001SFGXZ5 | 444083 | 4237 | SH |  | SOLE |  | 4237 | 0 | 0 |
| ISHARES TR | US HLTHCARE ETF | 464287762 | BBG001SFGXR4 | 736729 | 12546 | SH |  | SOLE |  | 12546 | 0 | 0 |
| ISHARES TR | US INDUSTRIALS | 464287754 | BBG001SFGXQ5 | 1057874 | 7252 | SH |  | SOLE |  | 7252 | 0 | 0 |
| ISHARES U S ETF TR | SHORT DURATION B | 46431W507 | BBG0059KNK04 | 943121 | 18392 | SH |  | SOLE |  | 18392 | 0 | 0 |
| J P MORGAN EXCHANGE TRADED F | EQUITY PREMIUM | 46641Q332 | BBG00TSG0SK6 | 3191912 | 55900 | SH |  | SOLE |  | 55900 | 0 | 0 |
| J P MORGAN EXCHANGE TRADED F | INTRNL RES EQT | 46641Q134 | BBG016CBQVP3 | 1224588 | 16652 | SH |  | SOLE |  | 16652 | 0 | 0 |
| J P MORGAN EXCHANGE TRADED F | MUNICIPAL ETF | 46641Q647 | BBG00M8D48L9 | 994743 | 19710 | SH |  | SOLE |  | 19710 | 0 | 0 |
| J P MORGAN EXCHANGE TRADED F | NASDAQ EQT PREM | 46654Q203 | BBG016NKZFF7 | 2604698 | 45283 | SH |  | SOLE |  | 45283 | 0 | 0 |
| JPMORGAN CHASE  CO. | COM | 46625H100 | BBG001S8CRC3 | 221239 | 701 | SH |  | SOLE |  | 701 | 0 | 0 |
| LOWES COS INC | COM | 548661107 | BBG001S5SVL3 | 301678 | 1200 | SH |  | SOLE |  | 1200 | 0 | 0 |
| MASTERCARD INCORPORATED | CL A | 57636Q104 | BBG001SKNNS6 | 210506 | 370 | SH |  | SOLE |  | 370 | 0 | 0 |
| MCDONALDS CORP | COM | 580135101 | BBG001S5T110 | 508934 | 1675 | SH |  | SOLE |  | 1675 | 0 | 0 |
| META PLATFORMS INC | CL A | 30303M102 | BBG001SQCQC5 | 221630 | 302 | SH |  | SOLE |  | 302 | 0 | 0 |
| MICROSOFT CORP | COM | 594918104 | BBG001S5TD05 | 1518705 | 2932 | SH |  | SOLE |  | 2932 | 0 | 0 |
| NEXTERA ENERGY INC | COM | 65339F101 | BBG001S5RB29 | 227228 | 3010 | SH |  | SOLE |  | 3010 | 0 | 0 |
| NORFOLK SOUTHN CORP | COM | 655844108 | BBG001S5TQJ6 | 268881 | 895 | SH |  | SOLE |  | 895 | 0 | 0 |
| NVIDIA CORPORATION | COM | 67066G104 | BBG001S5TZJ6 | 2907891 | 15585 | SH |  | SOLE |  | 15585 | 0 | 0 |
| PALANTIR TECHNOLOGIES INC | CL A | 69608A108 | BBG001T53796 | 373961 | 2050 | SH |  | SOLE |  | 2050 | 0 | 0 |
| PALO ALTO NETWORKS INC | COM | 697435105 | BBG001T9NWN5 | 441855 | 2170 | SH |  | SOLE |  | 2170 | 0 | 0 |
| PEPSICO INC | COM | 713448108 | BBG001S695T1 | 274661 | 1956 | SH |  | SOLE |  | 1956 | 0 | 0 |
| PROCTER AND GAMBLE CO | COM | 742718109 | BBG001S5V4L9 | 245893 | 1600 | SH |  | SOLE |  | 1600 | 0 | 0 |
| SCHWAB STRATEGIC TR | US DIVIDEND EQ | 808524797 | BBG0025RWLM4 | 37175945 | 1361756 | SH |  | SOLE |  | 1361756 | 0 | 0 |
| SCHWAB STRATEGIC TR | US SML CAP ETF | 808524607 | BBG001T5XQW5 | 387657 | 13895 | SH |  | SOLE |  | 13895 | 0 | 0 |
| SELECT SECTOR SPDR TR | SBI CONS STPLS | 81369Y308 | BBG001S7T107 | 1262188 | 16105 | SH |  | SOLE |  | 16105 | 0 | 0 |
| SELECT SECTOR SPDR TR | SBI INT-UTILS | 81369Y886 | BBG001S7TD56 | 505541 | 5797 | SH |  | SOLE |  | 5797 | 0 | 0 |
| SPDR S 500 ETF TR | TR UNIT | 78462F103 | BBG001S72SM3 | 341750 | 513 | SH |  | SOLE |  | 513 | 0 | 0 |
| SPDR SERIES TRUST | AEROSPACE DEF | 78464A631 | BBG0024LG8W4 | 740675 | 3152 | SH |  | SOLE |  | 3152 | 0 | 0 |
| SPDR SERIES TRUST | S DIVID ETF | 78464A763 | BBG001SPTBP8 | 2650700 | 18927 | SH |  | SOLE |  | 18927 | 0 | 0 |
| VANGUARD BD INDEX FDS | INTERMED TERM | 921937819 | BBG001ST39R1 | 231268 | 2962 | SH |  | SOLE |  | 2962 | 0 | 0 |
| VANGUARD BD INDEX FDS | SHORT TRM BOND | 921937827 | BBG001ST39Q2 | 15219699 | 192874 | SH |  | SOLE |  | 192874 | 0 | 0 |
| VANGUARD BD INDEX FDS | VANGUARD ULTRA | 92203C303 | BBG00ZXBYMT4 | 357402 | 7149 | SH |  | SOLE |  | 7149 | 0 | 0 |
| VANGUARD INDEX FDS | GROWTH ETF | 922908736 | BBG001SHTTS4 | 5549974 | 11572 | SH |  | SOLE |  | 11572 | 0 | 0 |
| VANGUARD INDEX FDS | MCAP GR IDXVIP | 922908538 | BBG001SRN7S6 | 5599102 | 19058 | SH |  | SOLE |  | 19058 | 0 | 0 |
| VANGUARD INDEX FDS | MCAP VL IDXVIP | 922908512 | BBG001SRN7W1 | 1375051 | 7876 | SH |  | SOLE |  | 7876 | 0 | 0 |
| VANGUARD INDEX FDS | MID CAP ETF | 922908629 | BBG001SHVTS1 | 2367049 | 8058 | SH |  | SOLE |  | 8058 | 0 | 0 |
| VANGUARD INDEX FDS | S 500 ETF SHS | 922908363 | BBG001TC6MC1 | 1469350 | 2399 | SH |  | SOLE |  | 2399 | 0 | 0 |
| VANGUARD INDEX FDS | SM CP VAL ETF | 922908611 | BBG001SHVTR2 | 1373647 | 6582 | SH |  | SOLE |  | 6582 | 0 | 0 |
| VANGUARD INDEX FDS | SMALL CP ETF | 922908751 | BBG001SHTTV0 | 799603 | 3145 | SH |  | SOLE |  | 3145 | 0 | 0 |
| VANGUARD INDEX FDS | SML CP GRW ETF | 922908595 | BBG001SHTTW9 | 401649 | 1350 | SH |  | SOLE |  | 1350 | 0 | 0 |
| VANGUARD INDEX FDS | VALUE ETF | 922908744 | BBG001SHVR78 | 1671381 | 8962 | SH |  | SOLE |  | 8962 | 0 | 0 |
| VANGUARD INTL EQUITY INDEX F | FTSE EMR MKT ETF | 922042858 | BBG001SHTTZ6 | 229620 | 4238 | SH |  | SOLE |  | 4238 | 0 | 0 |
| VANGUARD INTL EQUITY INDEX F | TT WRLD ST ETF | 922042742 | BBG001T2YZG9 | 5636081 | 40900 | SH |  | SOLE |  | 40900 | 0 | 0 |
| VANGUARD MUN BD FDS | TAX EXEMPT BD | 922907746 | BBG009THVRX1 | 918463 | 18344 | SH |  | SOLE |  | 18344 | 0 | 0 |
| VANGUARD SCOTTSDALE FDS | INT-TERM CORP | 92206C870 | BBG001T62M38 | 389081 | 4626 | SH |  | SOLE |  | 4626 | 0 | 0 |
| VANGUARD SCOTTSDALE FDS | SHRT TRM CORP BD | 92206C409 | BBG001T62KZ7 | 5414019 | 67735 | SH |  | SOLE |  | 67735 | 0 | 0 |
| VANGUARD SPECIALIZED FUNDS | DIV APP ETF | 921908844 | BBG001SQX4T3 | 14601234 | 67664 | SH |  | SOLE |  | 67664 | 0 | 0 |
| VANGUARD STAR FDS | VG TL INTL STK F | 921909768 | BBG001TJR1D8 | 473810 | 6450 | SH |  | SOLE |  | 6450 | 0 | 0 |
| VANGUARD WHITEHALL FDS | HIGH DIV YLD | 921946406 | BBG001SS0V24 | 293738 | 2084 | SH |  | SOLE |  | 2084 | 0 | 0 |
| VANGUARD WHITEHALL FDS | INTL DVD ETF | 921946810 | BBG00C863MQ1 | 286439 | 3198 | SH |  | SOLE |  | 3198 | 0 | 0 |
| VANGUARD WORLD FD | HEALTH CAR ETF | 92204A504 | BBG001SHVR32 | 888009 | 3421 | SH |  | SOLE |  | 3421 | 0 | 0 |
| VANGUARD WORLD FD | MEGA CAP VAL ETF | 921910840 | BBG001T0Y6L1 | 6035953 | 43821 | SH |  | SOLE |  | 43821 | 0 | 0 |
| VANGUARD WORLD FD | MEGA GRWTH IND | 921910816 | BBG001T0Y6W9 | 361377 | 898 | SH |  | SOLE |  | 898 | 0 | 0 |
| VICTORY PORTFOLIOS II | CORE INTERMEDIAT | 92647N527 | BBG00HZ6RB06 | 11470061 | 241373 | SH |  | SOLE |  | 241373 | 0 | 0 |
| WALMART INC | COM | 931142103 | BBG001S5XH92 | 575810 | 5587 | SH |  | SOLE |  | 5587 | 0 | 0 |
| WSFS FINL CORP | COM | 929328102 | BBG001S5XJX1 | 333087 | 6176 | SH |  | SOLE |  | 6176 | 0 | 0 |

---