# EDGAR Filing Document

**Accession Number:** 0002083456
**File Stem:** 0002083456-26-000002
**Filing Date:** 2026-6
**Character Count:** 12936
**Document Hash:** 1ffb3402be79f7eccd418a6e9f716105
**Contains OCR:** False
**Source Format:** 

## Filing Content

## Filing Summary
**0002083456-26-000002.hdr.sgml**: 20260622

**ACCESSION NUMBER**: 0002083456-26-000002

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

**PUBLIC DOCUMENT COUNT**: 2

**CONFORMED PERIOD OF REPORT**: 20260331

**FILED AS OF DATE**: 20260622

**DATE AS OF CHANGE**: 20260622

**EFFECTIVENESS DATE**: 20260622

**FILER**: 

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** Vilga Financial Planning LLC
- **CENTRAL INDEX KEY:** 0002083456

**ORGANIZATION NAME:**
- **EIN:** 853016180
- **STATE OF INCORPORATION:** NJ
- **FISCAL YEAR END:** 1231

**FILING VALUES:**
- **FORM TYPE:** 13F-HR
- **SEC ACT:** 1934 Act
- **SEC FILE NUMBER:** 028-27026
- **FILM NUMBER:** 261105828

**BUSINESS ADDRESS:**
- **STREET 1:** 39-26 VANORE DR
- **CITY:** FAIR LAWN
- **STATE:** NJ
- **ZIP:** 07410
- **BUSINESS PHONE:** 2013006097

**MAIL ADDRESS:**
- **STREET 1:** 39-26 VANORE DR
- **CITY:** FAIR LAWN
- **STATE:** NJ
- **ZIP:** 07410

### 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:** Vilga Financial Planning LLC<br>**Address:** 39-26 VANORE DR<br>FAIR LAWN, NJ 07410

**Form 13F File Number:** 028-27026

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:** Igor Smolyanskiy<br>**Title:** Founder and Principal Advisor<br>**Phone:** 201-300-6097

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

/s/Igor Smolyanskiy  FAIR LAWN, NJ  06-22-2026<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:** 83

**Form 13F Information Table Value Total:** $111943930

      (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 |
| ABBVIE INC | COM | 00287Y109 | BBG0025Y4RZ3 | 287304 | 1321 | SH |  | SOLE |  | 1321 | 0 | 0 |
| ADVANCED MICRO DEVICES INC | COM | 007903107 | BBG001S5NN36 | 200379 | 985 | SH |  | SOLE |  | 985 | 0 | 0 |
| ALPHABET INC | CAP STK CL A | 02079K305 | BBG009S39JY5 | 1669861 | 5807 | SH |  | SOLE |  | 5807 | 0 | 0 |
| ALPHABET INC | CAP STK CL C | 02079K107 | BBG009S3NB21 | 1074004 | 3744 | SH |  | SOLE |  | 3744 | 0 | 0 |
| AMAZON COM INC | COM | 023135106 | BBG001S5PQL7 | 1908170 | 9162 | SH |  | SOLE |  | 9162 | 0 | 0 |
| AMERICAN CENTY ETF TR | AVANTIS EMGMKT | 025072604 | BBG00Q6ZDXT0 | 302658 | 3756 | SH |  | SOLE |  | 3756 | 0 | 0 |
| APPLE INC | COM | 037833100 | BBG001S5N8V8 | 3325978 | 13105 | SH |  | SOLE |  | 13105 | 0 | 0 |
| BANK AMERICA CORP | COM | 060505104 | BBG001S5P0Y0 | 376155 | 7716 | SH |  | SOLE |  | 7716 | 0 | 0 |
| BERKSHIRE HATHAWAY INC DEL | CL B NEW | 084670702 | BBG001S90346 | 1075804 | 2245 | SH |  | SOLE |  | 2245 | 0 | 0 |
| BOOKING HOLDINGS INC | COM | 09857L108 | BBG001S89N72 | 248409 | 59 | SH |  | SOLE |  | 59 | 0 | 0 |
| BROADCOM INC | COM | 11135F101 | BBG00KHY5SY8 | 827011 | 2672 | SH |  | SOLE |  | 2672 | 0 | 0 |
| CATERPILLAR INC | COM | 149123101 | BBG001S5PJ06 | 280550 | 396 | SH |  | SOLE |  | 396 | 0 | 0 |
| COCA COLA CO | COM | 191216100 | BBG001S5SMQ8 | 253551 | 3334 | SH |  | SOLE |  | 3334 | 0 | 0 |
| COSTCO WHOLESALE CORPORATION | COM | 22160K105 | BBG001S9KRQ7 | 352736 | 354 | SH |  | SOLE |  | 354 | 0 | 0 |
| DIMENSIONAL ETF TRUST | GLOBAL REAL EST | 25434V658 | BBG01BN60P09 | 258570 | 9728 | SH |  | SOLE |  | 9728 | 0 | 0 |
| DIMENSIONAL ETF TRUST | US CORE EQUITY 2 | 25434V708 | BBG011DXY6D4 | 657317 | 16915 | SH |  | SOLE |  | 16915 | 0 | 0 |
| DIMENSIONAL ETF TRUST | US TARGETED VLU | 25434V609 | BBG011DXY0L8 | 747527 | 11970 | SH |  | SOLE |  | 11970 | 0 | 0 |
| DIMENSIONAL ETF TRUST | WORLD EX US CORE | 25434V880 | BBG012G2PD33 | 455334 | 13404 | SH |  | SOLE |  | 13404 | 0 | 0 |
| ELI LILLY  CO | COM | 532457108 | BBG001S5STL8 | 678790 | 738 | SH |  | SOLE |  | 738 | 0 | 0 |
| EXXON MOBIL CORP | COM | 30231G102 | BBG001S69V32 | 437383 | 2578 | SH |  | SOLE |  | 2578 | 0 | 0 |
| GE AEROSPACE | COM NEW | 369604301 | BBG001S5PVD5 | 323782 | 1141 | SH |  | SOLE |  | 1141 | 0 | 0 |
| HOME DEPOT INC | COM | 437076102 | BBG001S5RTW7 | 315734 | 960 | SH |  | SOLE |  | 960 | 0 | 0 |
| INTUITIVE SURGICAL INC | COM NEW | 46120E602 | BBG001S7XR78 | 211133 | 458 | SH |  | SOLE |  | 458 | 0 | 0 |
| ISHARES INC | CORE MSCI EMKT | 46434G103 | BBG003HC3DG9 | 2583052 | 37033 | SH |  | SOLE |  | 37033 | 0 | 0 |
| ISHARES TR | CALIF MUN BD ETF | 464288356 | BBG001T03XM5 | 1059074 | 18626 | SH |  | SOLE |  | 18626 | 0 | 0 |
| ISHARES TR | CORE MSCI EAFE | 46432F842 | BBG003H6TRS0 | 3984678 | 44015 | SH |  | SOLE |  | 44015 | 0 | 0 |
| ISHARES TR | CORE S MCP ETF | 464287507 | BBG001SFC7V0 | 4934957 | 73078 | SH |  | SOLE |  | 73078 | 0 | 0 |
| ISHARES TR | CORE S SCP ETF | 464287804 | BBG001SFC7W9 | 1081497 | 8700 | SH |  | SOLE |  | 8700 | 0 | 0 |
| ISHARES TR | CORE S ETF | 464287200 | BBG001SFB7R6 | 987885 | 1512 | SH |  | SOLE |  | 1512 | 0 | 0 |
| ISHARES TR | MSCI EAFE ETF | 464287465 | BBG001SG09V7 | 788793 | 8121 | SH |  | SOLE |  | 8121 | 0 | 0 |
| ISHARES TR | MSCI USA VALUE | 46432F388 | BBG004FPWGT7 | 245989 | 1730 | SH |  | SOLE |  | 1730 | 0 | 0 |
| ISHARES TR | RUSSELL 2000 ETF | 464287655 | BBG001SFC7Y7 | 228160 | 920 | SH |  | SOLE |  | 920 | 0 | 0 |
| ISHARES TR | ULTRA SHORT DUR | 46434V878 | BBG005PCDCZ5 | 3994627 | 78914 | SH |  | SOLE |  | 78914 | 0 | 0 |
| JOHNSON  JOHNSON | COM | 478160104 | BBG001S5SHQ9 | 373015 | 1526 | SH |  | SOLE |  | 1526 | 0 | 0 |
| JPMORGAN CHASE  CO | COM | 46625H100 | BBG001S8CRC3 | 641563 | 2181 | SH |  | SOLE |  | 2181 | 0 | 0 |
| LOWES COS INC | COM | 548661107 | BBG001S5SVL3 | 230609 | 976 | SH |  | SOLE |  | 976 | 0 | 0 |
| MASTERCARD INCORPORATED | CL A | 57636Q104 | BBG001SKNNS6 | 242335 | 485 | SH |  | SOLE |  | 485 | 0 | 0 |
| MERCK  CO INC | COM | 58933Y105 | BBG001S5TC52 | 232400 | 1932 | SH |  | SOLE |  | 1932 | 0 | 0 |
| META PLATFORMS INC | CL A | 30303M102 | BBG001SQCQC5 | 866777 | 1515 | SH |  | SOLE |  | 1515 | 0 | 0 |
| MICRON TECHNOLOGY INC | COM | 595112103 | BBG001S6P675 | 267569 | 792 | SH |  | SOLE |  | 792 | 0 | 0 |
| MICROSOFT CORP | COM | 594918104 | BBG001S5TD05 | 1934508 | 5226 | SH |  | SOLE |  | 5226 | 0 | 0 |
| NETFLIX INC. | COM | 64110L106 | BBG001SF6L46 | 368062 | 3828 | SH |  | SOLE |  | 3828 | 0 | 0 |
| NVIDIA CORPORATION | COM | 67066G104 | BBG001S5TZJ6 | 4081334 | 23402 | SH |  | SOLE |  | 23402 | 0 | 0 |
| ROCKET LAB CORP | COM | 773121108 | BBG01V7JN489 | 269724 | 4200 | SH |  | SOLE |  | 4200 | 0 | 0 |
| RTX CORPORATION | COM | 75513E101 | BBG001S5X5Q9 | 280477 | 1454 | SH |  | SOLE |  | 1454 | 0 | 0 |
| SCHWAB STRATEGIC TR | EMRG MKTEQ ETF | 808524706 | BBG001T6L7D9 | 216514 | 6571 | SH |  | SOLE |  | 6571 | 0 | 0 |
| SCHWAB STRATEGIC TR | US TIPS ETF | 808524870 | BBG001T9F777 | 5995659 | 225316 | SH |  | SOLE |  | 225316 | 0 | 0 |
| SELECT SECTOR SPDR TR | STATE STREET COM | 81369Y852 | BBG00L5F9FV7 | 1257374 | 11342 | SH |  | SOLE |  | 11342 | 0 | 0 |
| SELECT SECTOR SPDR TR | STATE STREET CON | 81369Y308 | BBG001S7T107 | 418836 | 5109 | SH |  | SOLE |  | 5109 | 0 | 0 |
| SELECT SECTOR SPDR TR | STATE STREET CON | 81369Y407 | BBG001S7T1Q9 | 953357 | 8748 | SH |  | SOLE |  | 8748 | 0 | 0 |
| SELECT SECTOR SPDR TR | STATE STREET ENE | 81369Y506 | BBG001S7T1S7 | 358248 | 5848 | SH |  | SOLE |  | 5848 | 0 | 0 |
| SELECT SECTOR SPDR TR | STATE STREET FIN | 81369Y605 | BBG001S7T223 | 1064170 | 21555 | SH |  | SOLE |  | 21555 | 0 | 0 |
| SELECT SECTOR SPDR TR | STATE STREET HEA | 81369Y209 | BBG001S7SCQ6 | 774980 | 5286 | SH |  | SOLE |  | 5286 | 0 | 0 |
| SELECT SECTOR SPDR TR | STATE STREET IND | 81369Y704 | BBG001S7T232 | 1237881 | 7654 | SH |  | SOLE |  | 7654 | 0 | 0 |
| SELECT SECTOR SPDR TR | STATE STREET MAT | 81369Y100 | BBG001S7R733 | 277983 | 5563 | SH |  | SOLE |  | 5563 | 0 | 0 |
| SELECT SECTOR SPDR TR | STATE STREET REA | 81369Y860 | BBG00B597137 | 219584 | 5378 | SH |  | SOLE |  | 5378 | 0 | 0 |
| SELECT SECTOR SPDR TR | STATE STREET TEC | 81369Y803 | BBG001S7TCZ5 | 3441180 | 25893 | SH |  | SOLE |  | 25893 | 0 | 0 |
| SELECT SECTOR SPDR TR | STATE STREET UTI | 81369Y886 | BBG001S7TD56 | 380566 | 8293 | SH |  | SOLE |  | 8293 | 0 | 0 |
| SPDR GOLD TR | GOLD SHS | 78463V107 | BBG001SCPX28 | 430290 | 1000 | SH |  | SOLE |  | 1000 | 0 | 0 |
| TAIWAN SEMICONDUCTOR MANUFAC | SPONSORED ADS | 874039100 | BBG001S5WWW4 | 750587 | 2221 | SH |  | SOLE |  | 2221 | 0 | 0 |
| TESLA INC | COM | 88160R101 | BBG001SQKGD7 | 797776 | 2146 | SH |  | SOLE |  | 2146 | 0 | 0 |
| UNITEDHEALTH GROUP INC | COM | 91324P102 | BBG001S6WCJ1 | 206731 | 764 | SH |  | SOLE |  | 764 | 0 | 0 |
| VANGUARD CHARLOTTE FDS | TOTAL INT BD ETF | 92203J407 | BBG004N1LGK2 | 965132 | 20086 | SH |  | SOLE |  | 20086 | 0 | 0 |
| VANGUARD INDEX FDS | MCAP VL IDXVIP | 922908512 | BBG001SRN7W1 | 267022 | 1449 | SH |  | SOLE |  | 1449 | 0 | 0 |
| VANGUARD INDEX FDS | MID CAP ETF | 922908629 | BBG001SHVTS1 | 1908885 | 6647 | SH |  | SOLE |  | 6647 | 0 | 0 |
| VANGUARD INDEX FDS | REAL ESTATE ETF | 922908553 | BBG001SMD2X3 | 345309 | 3893 | SH |  | SOLE |  | 3893 | 0 | 0 |
| VANGUARD INDEX FDS | S 500 ETF SHS | 922908363 | BBG001TC6MC1 | 1846082 | 3089 | SH |  | SOLE |  | 3089 | 0 | 0 |
| VANGUARD INDEX FDS | SM CP VAL ETF | 922908611 | BBG001SHVTR2 | 282642 | 1301 | SH |  | SOLE |  | 1301 | 0 | 0 |
| VANGUARD INDEX FDS | SMALL CP ETF | 922908751 | BBG001SHTTV0 | 1247525 | 4763 | SH |  | SOLE |  | 4763 | 0 | 0 |
| VANGUARD INDEX FDS | TOTAL STK MKT | 922908769 | BBG001SHTB03 | 1602125 | 4994 | SH |  | SOLE |  | 4994 | 0 | 0 |
| VANGUARD INDEX FDS | VALUE ETF | 922908744 | BBG001SHVR78 | 2654390 | 13529 | SH |  | SOLE |  | 13529 | 0 | 0 |
| VANGUARD INTL EQUITY INDEX F | ALLWRLD EX US | 922042775 | BBG001SP7T00 | 826100 | 11000 | SH |  | SOLE |  | 11000 | 0 | 0 |
| VANGUARD INTL EQUITY INDEX F | FTSE EMR MKT ETF | 922042858 | BBG001SHTTZ6 | 5553962 | 102756 | SH |  | SOLE |  | 102756 | 0 | 0 |
| VANGUARD INTL EQUITY INDEX F | FTSE SMCAP ETF | 922042718 | BBG001T0SKD6 | 346689 | 2378 | SH |  | SOLE |  | 2378 | 0 | 0 |
| VANGUARD INTL EQUITY INDEX F | TT WRLD ST ETF | 922042742 | BBG001T2YZG9 | 515242 | 3725 | SH |  | SOLE |  | 3725 | 0 | 0 |
| VANGUARD SCOTTSDALE FDS | INT-TERM CORP | 92206C870 | BBG001T62M38 | 1009136 | 12195 | SH |  | SOLE |  | 12195 | 0 | 0 |
| VANGUARD SCOTTSDALE FDS | VNG RUS2000IDX | 92206C664 | BBG001TCH7W0 | 2891307 | 28864 | SH |  | SOLE |  | 28864 | 0 | 0 |
| VANGUARD STAR FDS | VG TL INTL STK F | 921909768 | BBG001TJR1D8 | 3060727 | 39693 | SH |  | SOLE |  | 39693 | 0 | 0 |
| VANGUARD TAX-MANAGED FDS | VAN FTSE DEV MKT | 921943858 | BBG001SSPWL4 | 20338928 | 317399 | SH |  | SOLE |  | 317399 | 0 | 0 |
| VERTEX PHARMACEUTICALS INC | COM | 92532F100 | BBG001S68LJ8 | 229968 | 515 | SH |  | SOLE |  | 515 | 0 | 0 |
| VISA INC | COM CL A | 92826C839 | BBG001SRCFY3 | 750462 | 2483 | SH |  | SOLE |  | 2483 | 0 | 0 |
| WALMART INC | COM | 931142103 | BBG001S5XH92 | 355068 | 2857 | SH |  | SOLE |  | 2857 | 0 | 0 |
| WISDOMTREE TR | FLOATNG RAT TREA | 97717Y527 | BBG005YHYNG8 | 220288 | 4376 | SH |  | SOLE |  | 4376 | 0 | 0 |

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