# EDGAR Filing Document

**Accession Number:** 0000821103
**File Stem:** 0000821103-23-000002
**Filing Date:** 2023-2
**Character Count:** 10927
**Document Hash:** 2b51aae362a1cd7a66549ca2d251e008
**Contains OCR:** False
**Source Format:** 

## Filing Content

## Filing Summary
**0000821103-23-000002.hdr.sgml**: 20230208

**ACCESSION NUMBER**: 0000821103-23-000002

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

**PUBLIC DOCUMENT COUNT**: 2

**CONFORMED PERIOD OF REPORT**: 20221231

**FILED AS OF DATE**: 20230208

**DATE AS OF CHANGE**: 20230208

**EFFECTIVENESS DATE**: 20230208

**FILER**: 

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** PLANNING DIRECTIONS INC
- **CENTRAL INDEX KEY:** 0000821103
- **IRS NUMBER:** 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:** 23597991

**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:** 12-31-2022

**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:** Frederick J. Dunbar<br>**Title:** President and CCO<br>**Phone:** 610-361-0865

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

Frederick J. Dunbar  Glen Mills, PA  02-08-2023<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:** 73

**Form 13F Information Table Value Total:** $131004

      (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 |
| ALKALINE WTR CO INC | COM NEW | 01643A207 |  | 2 | 11000 | SH |  | SOLE | 0 | 0 | 0 | 11000 |
| AMAZON COM INC | COM | 023135106 |  | 558 | 6642 | SH |  | SOLE | 0 | 0 | 0 | 6642 |
| APPLE INC | COM | 037833100 |  | 6018 | 46320 | SH |  | SOLE | 0 | 0 | 0 | 46320 |
| BERKSHIRE HATHAWAY INC DEL | CL B NEW | 084670702 |  | 200 | 649 | SH |  | SOLE | 0 | 0 | 0 | 649 |
| BOEING CO | COM | 097023105 |  | 681 | 3577 | SH |  | SOLE | 0 | 0 | 0 | 3577 |
| CVS HEALTH CORP | COM | 126650100 |  | 202 | 2172 | SH |  | SOLE | 0 | 0 | 0 | 2172 |
| CERBERUS CYBER SENTINEL CORP | COM | 15672X102 |  | 824 | 323000 | SH |  | SOLE | 0 | 0 | 0 | 323000 |
| COMCAST CORP NEW | CL A | 20030N101 |  | 422 | 12060 | SH |  | SOLE | 0 | 0 | 0 | 12060 |
| CONSTELLATION BRANDS INC | CL A | 21036P108 |  | 677 | 2920 | SH |  | SOLE | 0 | 0 | 0 | 2920 |
| CORMEDIX INC | COM | 21900C308 |  | 211 | 50000 | SH |  | SOLE | 0 | 0 | 0 | 50000 |
| DEERE  CO | COM | 244199105 |  | 230 | 536 | SH |  | SOLE | 0 | 0 | 0 | 536 |
| DISNEY WALT CO | COM | 254687106 |  | 204 | 2354 | SH |  | SOLE | 0 | 0 | 0 | 2354 |
| ESSENTIAL UTILS INC | COM | 29670G102 |  | 290 | 6078 | SH |  | SOLE | 0 | 0 | 0 | 6078 |
| EXELON CORP | COM | 30161N101 |  | 229 | 5287 | SH |  | SOLE | 0 | 0 | 0 | 5287 |
| EXXON MOBIL CORP | COM | 30231G102 |  | 507 | 4600 | SH |  | SOLE | 0 | 0 | 0 | 4600 |
| FIRST TR VALUE LINE DIVID IN | SHS | 33734H106 |  | 1603 | 40165 | SH |  | SOLE | 0 | 0 | 0 | 40165 |
| GLOBAL X FDS | US INFR DEV ETF | 37954Y673 |  | 254 | 9593 | SH |  | SOLE | 0 | 0 | 0 | 9593 |
| HOME DEPOT INC | COM | 437076102 |  | 645 | 2042 | SH |  | SOLE | 0 | 0 | 0 | 2042 |
| INVESCO EXCHANGE TRADED FD T | S EQL UTL | 46137V274 |  | 241 | 2075 | SH |  | SOLE | 0 | 0 | 0 | 2075 |
| INVESCO EXCHANGE TRADED FD T | S EQL STP | 46137V373 |  | 2589 | 15182 | SH |  | SOLE | 0 | 0 | 0 | 15182 |
| INVESCO EXCH TRADED FD TR II | S MIDCP LOW | 46138E198 |  | 263 | 4913 | SH |  | SOLE | 0 | 0 | 0 | 4913 |
| ISHARES INC | MSCI GBL MIN VOL | 464286525 |  | 1434 | 15089 | SH |  | SOLE | 0 | 0 | 0 | 15089 |
| ISHARES TR | CORE S TTL STK | 464287150 |  | 447 | 5272 | SH |  | SOLE | 0 | 0 | 0 | 5272 |
| ISHARES TR | CORE S ETF | 464287200 |  | 285 | 743 | SH |  | SOLE | 0 | 0 | 0 | 743 |
| ISHARES TR | CORE S MCP ETF | 464287507 |  | 310 | 1283 | SH |  | SOLE | 0 | 0 | 0 | 1283 |
| ISHARES TR | US CONSUM DISCRE | 464287580 |  | 279 | 4890 | SH |  | SOLE | 0 | 0 | 0 | 4890 |
| ISHARES TR | CORE S US GWT | 464287671 |  | 1856 | 22768 | SH |  | SOLE | 0 | 0 | 0 | 22768 |
| ISHARES TR | US INDUSTRIALS | 464287754 |  | 1226 | 12706 | SH |  | SOLE | 0 | 0 | 0 | 12706 |
| ISHARES TR | US HLTHCARE ETF | 464287762 |  | 1613 | 5684 | SH |  | SOLE | 0 | 0 | 0 | 5684 |
| ISHARES TR | CORE S SCP ETF | 464287804 |  | 245 | 2589 | SH |  | SOLE | 0 | 0 | 0 | 2589 |
| ISHARES TR | MRGSTR MD CP VAL | 464288406 |  | 210 | 3377 | SH |  | SOLE | 0 | 0 | 0 | 3377 |
| ISHARES TR | MSCI EAFE MIN VL | 46429B689 |  | 751 | 11816 | SH |  | SOLE | 0 | 0 | 0 | 11816 |
| ISHARES TR | MSCI USA MIN VOL | 46429B697 |  | 1756 | 24360 | SH |  | SOLE | 0 | 0 | 0 | 24360 |
| LOWES COS INC | COM | 548661107 |  | 515 | 2585 | SH |  | SOLE | 0 | 0 | 0 | 2585 |
| MASTERCARD INCORPORATED | CL A | 57636Q104 |  | 216 | 622 | SH |  | SOLE | 0 | 0 | 0 | 622 |
| MCDONALDS CORP | COM | 580135101 |  | 816 | 3096 | SH |  | SOLE | 0 | 0 | 0 | 3096 |
| MICROSOFT CORP | COM | 594918104 |  | 766 | 3194 | SH |  | SOLE | 0 | 0 | 0 | 3194 |
| NIKE INC | CL B | 654106103 |  | 229 | 1954 | SH |  | SOLE | 0 | 0 | 0 | 1954 |
| NORFOLK SOUTHN CORP | COM | 655844108 |  | 207 | 841 | SH |  | SOLE | 0 | 0 | 0 | 841 |
| PALO ALTO NETWORKS INC | COM | 697435105 |  | 233 | 1671 | SH |  | SOLE | 0 | 0 | 0 | 1671 |
| PEPSICO INC | COM | 713448108 |  | 550 | 3046 | SH |  | SOLE | 0 | 0 | 0 | 3046 |
| PFIZER INC | COM | 717081103 |  | 682 | 13311 | SH |  | SOLE | 0 | 0 | 0 | 13311 |
| PIMCO ETF TR | ENHNCD LW DUR AC | 72201R718 |  | 557 | 5908 | SH |  | SOLE | 0 | 0 | 0 | 5908 |
| PROCTER AND GAMBLE CO | COM | 742718109 |  | 331 | 2183 | SH |  | SOLE | 0 | 0 | 0 | 2183 |
| PUBLIC SVC ENTERPRISE GRP IN | COM | 744573106 |  | 204 | 3328 | SH |  | SOLE | 0 | 0 | 0 | 3328 |
| SPDR S 500 ETF TR | TR UNIT | 78462F103 |  | 261 | 684 | SH |  | SOLE | 0 | 0 | 0 | 684 |
| SPDR SER TR | AEROSPACE DEF | 78464A631 |  | 331 | 3010 | SH |  | SOLE | 0 | 0 | 0 | 3010 |
| SPDR SER TR | S DIVID ETF | 78464A763 |  | 7193 | 57490 | SH |  | SOLE | 0 | 0 | 0 | 57490 |
| SCHWAB STRATEGIC TR | US SML CAP ETF | 808524607 |  | 365 | 9012 | SH |  | SOLE | 0 | 0 | 0 | 9012 |
| SCHWAB STRATEGIC TR | US DIVIDEND EQ | 808524797 |  | 12710 | 168249 | SH |  | SOLE | 0 | 0 | 0 | 168249 |
| SCHWAB STRATEGIC TR | US TIPS ETF | 808524870 |  | 718 | 13861 | SH |  | SOLE | 0 | 0 | 0 | 13861 |
| SELECT SECTOR SPDR TR | SBI CONS STPLS | 81369Y308 |  | 2919 | 39148 | SH |  | SOLE | 0 | 0 | 0 | 39148 |
| SELECT SECTOR SPDR TR | SBI INT-UTILS | 81369Y886 |  | 1040 | 14747 | SH |  | SOLE | 0 | 0 | 0 | 14747 |
| VANGUARD SPECIALIZED FUNDS | DIV APP ETF | 921908844 |  | 17102 | 112627 | SH |  | SOLE | 0 | 0 | 0 | 112627 |
| VANGUARD WORLD FD | MEGA GRWTH IND | 921910816 |  | 219 | 1271 | SH |  | SOLE | 0 | 0 | 0 | 1271 |
| VANGUARD WORLD FD | MEGA CAP VAL ETF | 921910840 |  | 6954 | 67611 | SH |  | SOLE | 0 | 0 | 0 | 67611 |
| VANGUARD BD INDEX FDS | SHORT TRM BOND | 921937827 |  | 19434 | 258155 | SH |  | SOLE | 0 | 0 | 0 | 258155 |
| VANGUARD BD INDEX FDS | VANGUARD ULTRA | 92203C303 |  | 2483 | 50670 | SH |  | SOLE | 0 | 0 | 0 | 50670 |
| VANGUARD WORLD FDS | HEALTH CAR ETF | 92204A504 |  | 1801 | 7259 | SH |  | SOLE | 0 | 0 | 0 | 7259 |
| VANGUARD WORLD FDS | UTILITIES ETF | 92204A876 |  | 345 | 2253 | SH |  | SOLE | 0 | 0 | 0 | 2253 |
| VANGUARD INTL EQUITY INDEX F | TT WRLD ST ETF | 922042742 |  | 669 | 7757 | SH |  | SOLE | 0 | 0 | 0 | 7757 |
| VANGUARD SCOTTSDALE FDS | SHRT TRM CORP BD | 92206C409 |  | 6936 | 92249 | SH |  | SOLE | 0 | 0 | 0 | 92249 |
| VANGUARD INDEX FDS | S 500 ETF SHS | 922908363 |  | 935 | 2663 | SH |  | SOLE | 0 | 0 | 0 | 2663 |
| VANGUARD INDEX FDS | MCAP VL IDXVIP | 922908512 |  | 1726 | 12764 | SH |  | SOLE | 0 | 0 | 0 | 12764 |
| VANGUARD INDEX FDS | MCAP GR IDXVIP | 922908538 |  | 1953 | 10867 | SH |  | SOLE | 0 | 0 | 0 | 10867 |
| VANGUARD INDEX FDS | SML CP GRW ETF | 922908595 |  | 361 | 1801 | SH |  | SOLE | 0 | 0 | 0 | 1801 |
| VANGUARD INDEX FDS | SM CP VAL ETF | 922908611 |  | 1426 | 8981 | SH |  | SOLE | 0 | 0 | 0 | 8981 |
| VANGUARD INDEX FDS | MID CAP ETF | 922908629 |  | 1446 | 7094 | SH |  | SOLE | 0 | 0 | 0 | 7094 |
| VANGUARD INDEX FDS | GROWTH ETF | 922908736 |  | 2970 | 13934 | SH |  | SOLE | 0 | 0 | 0 | 13934 |
| VANGUARD INDEX FDS | VALUE ETF | 922908744 |  | 4398 | 31335 | SH |  | SOLE | 0 | 0 | 0 | 31335 |
| VANGUARD INDEX FDS | SMALL CP ETF | 922908751 |  | 907 | 4944 | SH |  | SOLE | 0 | 0 | 0 | 4944 |
| VICTORY PORTFOLIOS II | VCSHS US 500 VOL | 92647N766 |  | 321 | 4736 | SH |  | SOLE | 0 | 0 | 0 | 4736 |
| WALMART INC | COM | 931142103 |  | 513 | 3619 | SH |  | SOLE | 0 | 0 | 0 | 3619 |

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