# EDGAR Filing Document

**Accession Number:** 0001949824
**File Stem:** 0001949824-26-000001
**Filing Date:** 2026-1
**Character Count:** 14016
**Document Hash:** eba22b30bb65e16b5c938b0ab0bc92e1
**Contains OCR:** False
**Source Format:** 

## Filing Content

## Filing Summary
**0001949824-26-000001.hdr.sgml**: 20260115

**ACCESSION NUMBER**: 0001949824-26-000001

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

**PUBLIC DOCUMENT COUNT**: 2

**CONFORMED PERIOD OF REPORT**: 20251231

**FILED AS OF DATE**: 20260115

**DATE AS OF CHANGE**: 20260115

**EFFECTIVENESS DATE**: 20260115

**FILER**: 

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** Essential Planning, LLC.
- **CENTRAL INDEX KEY:** 0001949824

**ORGANIZATION NAME:**
- **EIN:** 020488298
- **STATE OF INCORPORATION:** NH
- **FISCAL YEAR END:** 1231

**FILING VALUES:**
- **FORM TYPE:** 13F-HR
- **SEC ACT:** 1934 Act
- **SEC FILE NUMBER:** 028-22673
- **FILM NUMBER:** 26537067

**BUSINESS ADDRESS:**
- **STREET 1:** 500 MARKET ST.
- **STREET 2:** UNIT 1D
- **CITY:** PORTSMOUTH
- **STATE:** NH
- **ZIP:** 03801
- **BUSINESS PHONE:** 6034275164

**MAIL ADDRESS:**
- **STREET 1:** 500 MARKET ST.
- **STREET 2:** UNIT 1D
- **CITY:** PORTSMOUTH
- **STATE:** NH
- **ZIP:** 03801

### FORM 13F COVER PAGE

**Report for the Calendar Year or Quarter Ended:** 12-31-2025

**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:** Essential Planning LLC.<br>**Address:** 500 MARKET ST.<br>UNIT 1D<br>PORTSMOUTH, NH 03801

**Form 13F File Number:** 028-22673

**CRD Number (if applicable):** 000106651

**SEC File Number (if applicable):** 801-51363

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:** Hunter Lord<br>**Title:** Manager<br>**Phone:** 603-427-5164

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

/s/Hunter Lord  Portsmouth, NH  01-15-2026<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:** 90

**Form 13F Information Table Value Total:** $313564292

      (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 | BBG009S39JY5 | 1152338 | 3682 | SH |  | SOLE |  | 3682 | 0 | 0 |
| AMAZON COM INC | COM | 023135106 | BBG001S5PQL7 | 464664 | 2013 | SH |  | SOLE |  | 2013 | 0 | 0 |
| APPLE INC | COM | 037833100 | BBG001S5N8V8 | 1878474 | 6910 | SH |  | SOLE |  | 6910 | 0 | 0 |
| ARISTA NETWORKS INC | COM SHS | 040413205 | BBG001T51KQ0 | 262060 | 2000 | SH |  | SOLE |  | 2000 | 0 | 0 |
| AT INC | COM | 00206R102 | BBG001S5VWH2 | 276385 | 11127 | SH |  | SOLE |  | 11127 | 0 | 0 |
| BERKSHIRE HATHAWAY INC DEL | CL B NEW | 084670702 | BBG001S90346 | 1729619 | 3441 | SH |  | SOLE |  | 3441 | 0 | 0 |
| BROADCOM INC | COM | 11135F101 | BBG00KHY5SY8 | 236040 | 682 | SH |  | SOLE |  | 682 | 0 | 0 |
| CAPITAL ONE FINL CORP | COM | 14040H105 | BBG001S65PV8 | 207851 | 858 | SH |  | SOLE |  | 858 | 0 | 0 |
| COCA COLA CO | COM | 191216100 | BBG001S5SMQ8 | 226050 | 3233 | SH |  | SOLE |  | 3233 | 0 | 0 |
| DIMENSIONAL ETF TRUST | CORE FIXED INCOM | 25434V872 | BBG01254CL28 | 10475133 | 246127 | SH |  | SOLE |  | 246127 | 0 | 0 |
| DIMENSIONAL ETF TRUST | EMERGING MKTS CO | 25434V732 | BBG017159MD8 | 1582202 | 47830 | SH |  | SOLE |  | 47830 | 0 | 0 |
| DIMENSIONAL ETF TRUST | EMGR CRE EQT MNG | 25434V302 | BBG00Y2PHW26 | 7950326 | 244098 | SH |  | SOLE |  | 244098 | 0 | 0 |
| DIMENSIONAL ETF TRUST | GLOBAL REAL EST | 25434V658 | BBG01BN60P09 | 355053 | 13439 | SH |  | SOLE |  | 13439 | 0 | 0 |
| DIMENSIONAL ETF TRUST | INFLATION PROTE | 25434V856 | BBG01254K0G0 | 340855 | 8202 | SH |  | SOLE |  | 8202 | 0 | 0 |
| DIMENSIONAL ETF TRUST | INTL CORE EQT MK | 25434V203 | BBG00Y2PGDN6 | 19469857 | 510887 | SH |  | SOLE |  | 510887 | 0 | 0 |
| DIMENSIONAL ETF TRUST | INTL CORE EQUITY | 25434V799 | BBG01631TNW2 | 3753106 | 108912 | SH |  | SOLE |  | 108912 | 0 | 0 |
| DIMENSIONAL ETF TRUST | SHORT DURATION F | 25434V864 | BBG01254JDW6 | 9838765 | 205188 | SH |  | SOLE |  | 205188 | 0 | 0 |
| DIMENSIONAL ETF TRUST | ULTRASHORT FIXED | 25434V591 | BBG01J9W4CB4 | 464365 | 9169 | SH |  | SOLE |  | 9169 | 0 | 0 |
| DIMENSIONAL ETF TRUST | US CORE EQT MKT | 25434V104 | BBG00Y2JG0C0 | 54586961 | 1166386 | SH |  | SOLE |  | 1166386 | 0 | 0 |
| DIMENSIONAL ETF TRUST | US CORE EQUITY 1 | 25434V625 | BBG01J6LTBL5 | 7474613 | 101515 | SH |  | SOLE |  | 101515 | 0 | 0 |
| DIMENSIONAL ETF TRUST | US CORE EQUITY 2 | 25434V708 | BBG011DXY6D4 | 7947859 | 200754 | SH |  | SOLE |  | 200754 | 0 | 0 |
| DIMENSIONAL ETF TRUST | US EQUITY MARKET | 25434V401 | BBG011DXXNJ2 | 434785 | 5862 | SH |  | SOLE |  | 5862 | 0 | 0 |
| DIMENSIONAL ETF TRUST | US MKTWIDE VALUE | 25434V724 | BBG0177CTQC7 | 286635 | 6152 | SH |  | SOLE |  | 6152 | 0 | 0 |
| DIMENSIONAL ETF TRUST | US SMALL CAP VAL | 25434V815 | BBG015DG3GG1 | 476806 | 14497 | SH |  | SOLE |  | 14497 | 0 | 0 |
| DIMENSIONAL ETF TRUST | WORLD EX US CORE | 25434V880 | BBG012G2PD33 | 293325 | 8962 | SH |  | SOLE |  | 8962 | 0 | 0 |
| DOUBLELINE ETF TRUST | OPPORTUNISTIC CO | 25861R105 | BBG016GCZLY9 | 1101648 | 23761 | SH |  | SOLE |  | 23761 | 0 | 0 |
| ELI LILLY  CO | COM | 532457108 | BBG001S5STL8 | 10449956 | 9724 | SH |  | SOLE |  | 9724 | 0 | 0 |
| FIDELITY COVINGTON TRUST | MSCI RL EST ETF | 316092857 | BBG008229899 | 3597293 | 133781 | SH |  | SOLE |  | 133781 | 0 | 0 |
| FIDELITY MERRIMACK STR TR | TOTAL BD ETF | 316188309 | BBG0078X1341 | 4217920 | 91614 | SH |  | SOLE |  | 91614 | 0 | 0 |
| GOLDMAN SACHS GROUP INC | COM | 38141G104 | BBG001SC07Z6 | 439500 | 500 | SH |  | SOLE |  | 500 | 0 | 0 |
| HONEYWELL INTL INC | COM | 438516106 | BBG001S5X1N1 | 344919 | 1768 | SH |  | SOLE |  | 1768 | 0 | 0 |
| HYPERFINE INC | COM CL A | 44916K106 | BBG00YVTN9K0 | 41520 | 42398 | SH |  | SOLE |  | 42398 | 0 | 0 |
| IDEXX LABS INC | COM | 45168D104 | BBG001S5S4Y9 | 378181 | 559 | SH |  | SOLE |  | 559 | 0 | 0 |
| INVESCO EXCHANGE TRADED FD T | S EQL WGT | 46137V357 | BBG00KJR2NN7 | 338155 | 1765 | SH |  | SOLE |  | 1765 | 0 | 0 |
| ISHARES INC | CORE MSCI EMKT | 46434G103 | BBG003HC3DG9 | 1597600 | 23767 | SH |  | SOLE |  | 23767 | 0 | 0 |
| ISHARES TR | 1 3 YR TREAS BD | 464287457 | BBG001SKXPR1 | 2992448 | 36132 | SH |  | SOLE |  | 36132 | 0 | 0 |
| ISHARES TR | CORE MSCI TOTAL | 46432F834 | BBG003H6TMV7 | 736114 | 8697 | SH |  | SOLE |  | 8697 | 0 | 0 |
| ISHARES TR | CORE S TTL STK | 464287150 | BBG001SHTRL5 | 358194 | 2409 | SH |  | SOLE |  | 2409 | 0 | 0 |
| ISHARES TR | CORE S ETF | 464287200 | BBG001SFB7R6 | 6405175 | 9352 | SH |  | SOLE |  | 9352 | 0 | 0 |
| ISHARES TR | CORE UNIVRSL USD | 46434V613 | BBG006MJCSW0 | 868576 | 18663 | SH |  | SOLE |  | 18663 | 0 | 0 |
| ISHARES TR | CORE US AGGBD ET | 464287226 | BBG001SM1QT8 | 282403 | 2827 | SH |  | SOLE |  | 2827 | 0 | 0 |
| ISHARES TR | ESG ADVANCED UNI | 46436E619 | BBG00VJ13GZ1 | 584040 | 13301 | SH |  | SOLE |  | 13301 | 0 | 0 |
| ISHARES TR | ESG MSCI KLD 400 | 464288570 | BBG001SRYH02 | 427176 | 3316 | SH |  | SOLE |  | 3316 | 0 | 0 |
| ISHARES TR | IBONDS 26 TRM TS | 46436E858 | BBG00RYR3RM6 | 1284241 | 56142 | SH |  | SOLE |  | 56142 | 0 | 0 |
| ISHARES TR | IBONDS 27 TRM TS | 46436E841 | BBG00RYR47N8 | 587439 | 26143 | SH |  | SOLE |  | 26143 | 0 | 0 |
| ISHARES TR | IBONDS 28 TRM TS | 46436E833 | BBG00RYR4L11 | 2138189 | 95604 | SH |  | SOLE |  | 95604 | 0 | 0 |
| ISHARES TR | MBS ETF | 464288588 | BBG001SSD8B1 | 5087770 | 53431 | SH |  | SOLE |  | 53431 | 0 | 0 |
| ISHARES TR | S SML 600 GWT | 464287887 | BBG001SFQL44 | 342878 | 2429 | SH |  | SOLE |  | 2429 | 0 | 0 |
| ISHARES TR | SHRT NAT MUN ETF | 464288158 | BBG001SLS4Q3 | 281688 | 2640 | SH |  | SOLE |  | 2640 | 0 | 0 |
| J P MORGAN EXCHANGE TRADED F | JPMORGAM LTD DUR | 46654Q773 | BBG01H5050G2 | 8464034 | 161716 | SH |  | SOLE |  | 161716 | 0 | 0 |
| JPMORGAN CHASE  CO. | COM | 46625H100 | BBG001S8CRC3 | 450784 | 1399 | SH |  | SOLE |  | 1399 | 0 | 0 |
| LOWES COS INC | COM | 548661107 | BBG001S5SVL3 | 442046 | 1833 | SH |  | SOLE |  | 1833 | 0 | 0 |
| META PLATFORMS INC | CL A | 30303M102 | BBG001SQCQC5 | 275918 | 418 | SH |  | SOLE |  | 418 | 0 | 0 |
| MICROSOFT CORP | COM | 594918104 | BBG001S5TD05 | 2424593 | 5013 | SH |  | SOLE |  | 5013 | 0 | 0 |
| NVIDIA CORPORATION | COM | 67066G104 | BBG001S5TZJ6 | 340184 | 1824 | SH |  | SOLE |  | 1824 | 0 | 0 |
| PIMCO ETF TR | 1-5 US TIP IDX | 72201R205 | BBG001T5DWK7 | 1114821 | 20776 | SH |  | SOLE |  | 20776 | 0 | 0 |
| PIMCO ETF TR | ACTIVE BD ETF | 72201R775 | BBG002N12C17 | 4015177 | 43141 | SH |  | SOLE |  | 43141 | 0 | 0 |
| PIMCO ETF TR | ENHAN SHRT MA AC | 72201R833 | BBG001T618D9 | 1923139 | 19168 | SH |  | SOLE |  | 19168 | 0 | 0 |
| RTX CORPORATION | COM | 75513E101 | BBG001S5X5Q9 | 320441 | 1747 | SH |  | SOLE |  | 1747 | 0 | 0 |
| SPDR S 500 ETF TR | TR UNIT | 78462F103 | BBG001S72SM3 | 6916271 | 10143 | SH |  | SOLE |  | 10143 | 0 | 0 |
| TRANE TECHNOLOGIES PLC | SHS | G8994E103 | BBG001S5SBV6 | 287230 | 738 | SH |  | SOLE |  | 738 | 0 | 0 |
| VANGUARD BD INDEX FDS | SHORT TRM BOND | 921937827 | BBG001ST39Q2 | 7555356 | 95869 | SH |  | SOLE |  | 95869 | 0 | 0 |
| VANGUARD BD INDEX FDS | TOTAL BND MRKT | 921937835 | BBG001SK7DK4 | 54536159 | 736279 | SH |  | SOLE |  | 736279 | 0 | 0 |
| VANGUARD BD INDEX FDS | VANGUARD ULTRA | 92203C303 | BBG00ZXBYMT4 | 365290 | 7328 | SH |  | SOLE |  | 7328 | 0 | 0 |
| VANGUARD CHARLOTTE FDS | TOTAL INT BD ETF | 92203J407 | BBG004N1LGK2 | 643581 | 13319 | SH |  | SOLE |  | 13319 | 0 | 0 |
| VANGUARD INDEX FDS | GROWTH ETF | 922908736 | BBG001SHTTS4 | 272907 | 559 | SH |  | SOLE |  | 559 | 0 | 0 |
| VANGUARD INDEX FDS | S 500 ETF SHS | 922908363 | BBG001TC6MC1 | 606271 | 967 | SH |  | SOLE |  | 967 | 0 | 0 |
| VANGUARD INDEX FDS | SM CP VAL ETF | 922908611 | BBG001SHVTR2 | 686834 | 3243 | SH |  | SOLE |  | 3243 | 0 | 0 |
| VANGUARD INDEX FDS | SMALL CP ETF | 922908751 | BBG001SHTTV0 | 349606 | 1356 | SH |  | SOLE |  | 1356 | 0 | 0 |
| VANGUARD INDEX FDS | SML CP GRW ETF | 922908595 | BBG001SHTTW9 | 4895058 | 16203 | SH |  | SOLE |  | 16203 | 0 | 0 |
| VANGUARD INDEX FDS | TOTAL STK MKT | 922908769 | BBG001SHTB03 | 21134496 | 63036 | SH |  | SOLE |  | 63036 | 0 | 0 |
| VANGUARD INDEX FDS | VALUE ETF | 922908744 | BBG001SHVR78 | 368802 | 1931 | SH |  | SOLE |  | 1931 | 0 | 0 |
| VANGUARD INTL EQUITY INDEX F | FTSE EMR MKT ETF | 922042858 | BBG001SHTTZ6 | 525504 | 9775 | SH |  | SOLE |  | 9775 | 0 | 0 |
| VANGUARD MALVERN FDS | STRM INFPROIDX | 922020805 | BBG003H12XS7 | 5705565 | 115356 | SH |  | SOLE |  | 115356 | 0 | 0 |
| VANGUARD SCOTTSDALE FDS | MTG-BKD SECS ETF | 92206C771 | BBG001T62MF5 | 1077058 | 22877 | SH |  | SOLE |  | 22877 | 0 | 0 |
| VANGUARD SCOTTSDALE FDS | SHORT TERM TREAS | 92206C102 | BBG001T62M74 | 441943 | 7525 | SH |  | SOLE |  | 7525 | 0 | 0 |
| VANGUARD SCOTTSDALE FDS | SHRT TRM CORP BD | 92206C409 | BBG001T62KZ7 | 403641 | 5063 | SH |  | SOLE |  | 5063 | 0 | 0 |
| VANGUARD SPECIALIZED FUNDS | DIV APP ETF | 921908844 | BBG001SQX4T3 | 671144 | 3053 | SH |  | SOLE |  | 3053 | 0 | 0 |
| VANGUARD STAR FDS | VG TL INTL STK F | 921909768 | BBG001TJR1D8 | 845721 | 11207 | SH |  | SOLE |  | 11207 | 0 | 0 |
| VANGUARD TAX-MANAGED FDS | VAN FTSE DEV MKT | 921943858 | BBG001SSPWL4 | 3767506 | 60308 | SH |  | SOLE |  | 60308 | 0 | 0 |
| VANGUARD WORLD FD | CONSUM STP ETF | 92204A207 | BBG001SHVR41 | 247996 | 1174 | SH |  | SOLE |  | 1174 | 0 | 0 |
| VANGUARD WORLD FD | ESG US CORP BD | 921910691 | BBG00XGJM879 | 403128 | 6335 | SH |  | SOLE |  | 6335 | 0 | 0 |
| VANGUARD WORLD FD | ESG US STK ETF | 921910733 | BBG00M0P2SP4 | 424927 | 3513 | SH |  | SOLE |  | 3513 | 0 | 0 |
| VANGUARD WORLD FD | HEALTH CAR ETF | 92204A504 | BBG001SHVR32 | 524713 | 1823 | SH |  | SOLE |  | 1823 | 0 | 0 |
| WALMART INC | COM | 931142103 | BBG001S5XH92 | 985756 | 8848 | SH |  | SOLE |  | 8848 | 0 | 0 |
| WELLS FARGO CO NEW | COM | 949746101 | BBG001S5XF23 | 241947 | 2596 | SH |  | SOLE |  | 2596 | 0 | 0 |
| WISDOMTREE TR | US LARGECAP FUND | 97717W588 | BBG001SSZB57 | 738627 | 10424 | SH |  | SOLE |  | 10424 | 0 | 0 |
| WISDOMTREE TR | US SMALLCAP FUND | 97717W562 | BBG001SSZBC9 | 429133 | 7538 | SH |  | SOLE |  | 7538 | 0 | 0 |
| WISDOMTREE TR | US TOTAL DIVIDND | 97717W109 | BBG001SHKFZ5 | 318185 | 3749 | SH |  | SOLE |  | 3749 | 0 | 0 |
| WORKDAY INC | CL A | 98138H101 | BBG001T21KQ7 | 375650 | 1749 | SH |  | SOLE |  | 1749 | 0 | 0 |

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