# EDGAR Filing Document

**Accession Number:** 0002107584
**File Stem:** 0002107584-26-000001
**Filing Date:** 2026-1
**Character Count:** 13471
**Document Hash:** c728f4d6e26f02e1079fcd4a4f16c216
**Contains OCR:** False
**Source Format:** 

## Filing Content

## Filing Summary
**0002107584-26-000001.hdr.sgml**: 20260128

**ACCESSION NUMBER**: 0002107584-26-000001

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

**PUBLIC DOCUMENT COUNT**: 2

**CONFORMED PERIOD OF REPORT**: 20251231

**FILED AS OF DATE**: 20260128

**DATE AS OF CHANGE**: 20260127

**EFFECTIVENESS DATE**: 20260128

**FILER**: 

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** Financial Plan, Inc.
- **CENTRAL INDEX KEY:** 0002107584

**ORGANIZATION NAME:**
- **EIN:** 911813176
- **STATE OF INCORPORATION:** WA
- **FISCAL YEAR END:** 1231

**FILING VALUES:**
- **FORM TYPE:** 13F-HR
- **SEC ACT:** 1934 Act
- **SEC FILE NUMBER:** 028-25994
- **FILM NUMBER:** 26567754

**BUSINESS ADDRESS:**
- **STREET 1:** 11 BELLWETHER WAY, SUITE 301
- **CITY:** BELLINGHAM
- **STATE:** WA
- **ZIP:** 98225
- **BUSINESS PHONE:** 360-714-1234

**MAIL ADDRESS:**
- **STREET 1:** 11 BELLWETHER WAY, SUITE 301
- **CITY:** BELLINGHAM
- **STATE:** WA
- **ZIP:** 98225

### 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:** Financial Plan Inc.<br>**Address:** 11 BELLWETHER WAY SUITE 301<br>BELLINGHAM, WA 98225

**Form 13F File Number:** 028-25994

**CRD Number (if applicable):** 000116073

**SEC File Number (if applicable):** 801-77339

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:** DAVID DICK<br>**Title:** PRINCIPAL<br>**Phone:** 360-714-1234

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

DAVID DICK  BELLINGHAM, WA  01-27-2026<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:** 94

**Form 13F Information Table Value Total:** $871072975

      (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 |
| ABBOTT LABS | COM | 002824100 |  | 455429 | 3635 | SH |  | SOLE |  | 65 | 0 | 3570 |
| ABBVIE INC | COM | 00287Y109 |  | 265952 | 1164 | SH |  | SOLE |  | 0 | 0 | 1164 |
| AEMETIS INC | COM NEW | 00770K202 |  | 22240 | 16000 | SH |  | SOLE |  | 0 | 0 | 16000 |
| ALPHABET INC | CAP STK CL C | 02079K107 |  | 583668 | 1860 | SH |  | SOLE |  | 0 | 0 | 1860 |
| AMAZON COM INC | COM | 023135106 |  | 481260 | 2085 | SH |  | SOLE |  | 84 | 0 | 2001 |
| AMERICAN CENTY ETF TR | AVANTIS SHFXDINC | 025072687 |  | 34865925 | 740489 | SH |  | SOLE |  | 24416 | 0 | 716073 |
| AMERICAN CENTY ETF TR | AVANTIS EMGMKT | 025072604 |  | 36438980 | 473111 | SH |  | SOLE |  | 5999 | 0 | 467112 |
| AMERICAN CENTY ETF TR | INTL EQT ETF | 025072703 |  | 93450830 | 1135214 | SH |  | SOLE |  | 22014 | 0 | 1113200 |
| AMERICAN CENTY ETF TR | US EQT ETF | 025072885 |  | 149297917 | 1335641 | SH |  | SOLE |  | 33661 | 0 | 1301980 |
| AMERICAN CENTY ETF TR | REAL ESTATE ETF | 025072356 |  | 26155110 | 600852 | SH |  | SOLE |  | 19058 | 0 | 581794 |
| AMERICAN CENTY ETF TR | AVANTIS CORE FI | 025072562 |  | 4736461 | 112980 | SH |  | SOLE |  | 0 | 0 | 112980 |
| AMERICAN CENTY ETF TR | US SML CP VALU | 025072877 |  | 4473486 | 43866 | SH |  | SOLE |  | 2840 | 0 | 41026 |
| AMERICAN CENTY ETF TR | AVANTIS ALL EQT | 025072232 |  | 901909 | 10498 | SH |  | SOLE |  | 122 | 0 | 10376 |
| AMERICAN CENTY ETF TR | AVANTIS RESPONSI | 025072315 |  | 205698 | 3166 | SH |  | SOLE |  | 0 | 0 | 3166 |
| AMERICAN CENTY ETF TR | AVANTIS RESPONSI | 025072299 |  | 535118 | 7206 | SH |  | SOLE |  | 0 | 0 | 7206 |
| AMERICAN CENTY ETF TR | INTL SMCP VLU | 025072802 |  | 1696610 | 18055 | SH |  | SOLE |  | 0 | 0 | 18055 |
| AMERICAN CENTY ETF TR | AVANTIS RESPON U | 025072281 |  | 1059044 | 13880 | SH |  | SOLE |  | 0 | 0 | 13880 |
| AMERICAN CENTY ETF TR | CORE MUNI FXD IN | 025072695 |  | 486815 | 10528 | SH |  | SOLE |  | 0 | 0 | 10528 |
| AMERICAN CENTY ETF TR | US LARGE CAP VLU | 025072349 |  | 450528 | 5946 | SH |  | SOLE |  | 0 | 0 | 5946 |
| APPLE INC | COM | 037833100 |  | 8073780 | 29698 | SH |  | SOLE |  | 1250 | 0 | 28448 |
| BANK AMERICA CORP | 7.25%CNV PFD L | 060505682 |  | 266676 | 213 | SH |  | SOLE |  | 0 | 0 | 213 |
| BANK NEW YORK MELLON CORP | COM | 064058100 |  | 1427559 | 12297 | SH |  | SOLE |  | 0 | 0 | 12297 |
| BERKSHIRE HATHAWAY INC DEL | CL A | 084670108 |  | 1509600 | 2 | SH |  | SOLE |  | 0 | 0 | 2 |
| BOEING CO | COM | 097023105 |  | 769473 | 3544 | SH |  | SOLE |  | 0 | 0 | 3544 |
| BROADCOM INC | COM | 11135F101 |  | 429856 | 1242 | SH |  | SOLE |  | 0 | 0 | 1242 |
| CALLAN JMB INC | COM | 131100109 |  | 23437 | 21114 | SH |  | SOLE |  | 0 | 0 | 21114 |
| CATERPILLAR INC | COM | 149123101 |  | 3157218 | 5511 | SH |  | SOLE |  | 0 | 0 | 5511 |
| CORNING INC | COM | 219350105 |  | 350240 | 4000 | SH |  | SOLE |  | 0 | 0 | 4000 |
| COSTCO WHSL CORP NEW | COM | 22160K105 |  | 1111367 | 1289 | SH |  | SOLE |  | 131 | 0 | 1158 |
| DIMENSIONAL ETF TRUST | SHORT DURATION F | 25434V864 |  | 37411177 | 780212 | SH |  | SOLE |  | 32653 | 0 | 747559 |
| DIMENSIONAL ETF TRUST | CORE FIXED INCOM | 25434V872 |  | 19194617 | 451001 | SH |  | SOLE |  | 18579 | 0 | 432422 |
| DIMENSIONAL ETF TRUST | EMERGING MKTS CO | 25434V732 |  | 22078179 | 667418 | SH |  | SOLE |  | 24486 | 0 | 642932 |
| DIMENSIONAL ETF TRUST | GLOBAL REAL EST | 25434V658 |  | 22492755 | 851353 | SH |  | SOLE |  | 25383 | 0 | 825970 |
| DIMENSIONAL ETF TRUST | INTL CORE EQUITY | 25434V799 |  | 48570663 | 1409479 | SH |  | SOLE |  | 29588 | 0 | 1379891 |
| DIMENSIONAL ETF TRUST | US CORE EQUITY 2 | 25434V708 |  | 132114253 | 3337061 | SH |  | SOLE |  | 53762 | 0 | 3283299 |
| DIMENSIONAL ETF TRUST | ULTRASHORT FIXED | 25434V591 |  | 45356302 | 895485 | SH |  | SOLE |  | 351948 | 0 | 543537 |
| DIMENSIONAL ETF TRUST | WORLD EX US CORE | 25434V880 |  | 24174713 | 738610 | SH |  | SOLE |  | 0 | 0 | 738610 |
| DIMENSIONAL ETF TRUST | US SMALL CAP VAL | 25434V815 |  | 844911 | 25689 | SH |  | SOLE |  | 0 | 0 | 25689 |
| DIMENSIONAL ETF TRUST | INFLATION PROTE | 25434V856 |  | 6103183 | 146870 | SH |  | SOLE |  | 6872 | 0 | 139998 |
| DIMENSIONAL ETF TRUST | INTL CORE EQT MK | 25434V203 |  | 3322129 | 87172 | SH |  | SOLE |  | 0 | 0 | 87172 |
| DIMENSIONAL ETF TRUST | NATL MUN BD ETF | 25434V849 |  | 842541 | 17491 | SH |  | SOLE |  | 0 | 0 | 17491 |
| DIMENSIONAL ETF TRUST | US CORE EQT MKT | 25434V104 |  | 1498676 | 32023 | SH |  | SOLE |  | 0 | 0 | 32023 |
| DIMENSIONAL ETF TRUST | DIMENSIONAL US | 25434V559 |  | 767874 | 12845 | SH |  | SOLE |  | 0 | 0 | 12845 |
| DIMENSIONAL ETF TRUST | US EQUITY MARKET | 25434V401 |  | 1141699 | 15393 | SH |  | SOLE |  | 0 | 0 | 15393 |
| DIMENSIONAL ETF TRUST | INTERNATIONAL | 25434V690 |  | 412769 | 9634 | SH |  | SOLE |  | 0 | 0 | 9634 |
| DIMENSIONAL ETF TRUST | GLOBAL SUSTAINA | 25434V674 |  | 250660 | 4839 | SH |  | SOLE |  | 0 | 0 | 4839 |
| DIMENSIONAL ETF TRUST | US SUSTAINABILTY | 25434V716 |  | 838937 | 19317 | SH |  | SOLE |  | 0 | 0 | 19317 |
| DYNEX CAP INC | COM | 26817Q886 |  | 175125 | 12500 | SH |  | SOLE |  | 0 | 0 | 12500 |
| ENERGY TRANSFER L P | COM UT LTD PTN | 29273V100 |  | 247350 | 15000 | SH |  | SOLE |  | 0 | 0 | 15000 |
| ENSYSCE BIOSCIENCES INC | COM NEW | 293602504 |  | 22080 | 24000 | SH |  | SOLE |  | 0 | 0 | 24000 |
| EXXON MOBIL CORP | COM | 30231G102 |  | 236949 | 1969 | SH |  | SOLE |  | 0 | 0 | 1969 |
| GAMCO GLOBAL GOLD NAT RES | COM SH BEN INT | 36465A109 |  | 129139 | 25027 | SH |  | SOLE |  | 0 | 0 | 25027 |
| ISHARES SILVER TR | ISHARES | 46428Q109 |  | 2626210 | 40767 | SH |  | SOLE |  | 0 | 0 | 40767 |
| ISHARES TR | 0-5 YR TIPS ETF | 46429B747 |  | 10002991 | 97695 | SH |  | SOLE |  | 855 | 0 | 96840 |
| ISHARES TR | TRUST ISHARE 0-1 | 464288679 |  | 2196605 | 19942 | SH |  | SOLE |  | 0 | 0 | 19942 |
| ISHARES TR | GLOBAL REIT ETF | 46434V647 |  | 2289013 | 91744 | SH |  | SOLE |  | 499 | 0 | 91245 |
| ISHARES TR | MBS ETF | 464288588 |  | 389259 | 4088 | SH |  | SOLE |  | 0 | 0 | 4088 |
| ISHARES TR | RUS 1000 GRW ETF | 464287614 |  | 1301575 | 2750 | SH |  | SOLE |  | 1899 | 0 | 851 |
| ISHARES TR | CORE S ETF | 464287200 |  | 365073 | 533 | SH |  | SOLE |  | 15 | 0 | 518 |
| ISHARES TR | ESG AWRE 1 5 YR | 46435G243 |  | 310578 | 12305 | SH |  | SOLE |  | 0 | 0 | 12305 |
| ISHARES TR | SHRT NAT MUN ETF | 464288158 |  | 3490584 | 32714 | SH |  | SOLE |  | 0 | 0 | 32714 |
| ISHARES U S ETF TR | SHORT MATURITY M | 46431W838 |  | 367336 | 7300 | SH |  | SOLE |  | 0 | 0 | 7300 |
| IT TECH PACKAGING INC | COM NEW | 46527C209 |  | 29525 | 135000 | SH |  | SOLE |  | 0 | 0 | 135000 |
| JOHNSON  JOHNSON | COM | 478160104 |  | 312116 | 1508 | SH |  | SOLE |  | 32 | 0 | 1476 |
| MATRIX SVC CO | COM | 576853105 |  | 557096 | 47615 | SH |  | SOLE |  | 0 | 0 | 47615 |
| MCDONALDS CORP | COM | 580135101 |  | 316327 | 1035 | SH |  | SOLE |  | 0 | 0 | 1035 |
| MDJM LTD | ORD SHS CL A | G59290117 |  | 20700 | 10000 | SH |  | SOLE |  | 0 | 0 | 10000 |
| MICROSOFT CORP | COM | 594918104 |  | 5504776 | 11382 | SH |  | SOLE |  | 0 | 0 | 11382 |
| NVIDIA CORPORATION | COM | 67066G104 |  | 1089717 | 5843 | SH |  | SOLE |  | 0 | 0 | 5843 |
| PLANET IMAGE INTL LTD | USD CL A ORD SHS | G7122D102 |  | 30400 | 32000 | SH |  | SOLE |  | 0 | 0 | 32000 |
| PLUG POWER INC | COM NEW | 72919P202 |  | 21670 | 11000 | SH |  | SOLE |  | 10000 | 0 | 1000 |
| SERVICENOW INC | COM | 81762P102 |  | 466464 | 3045 | SH |  | SOLE |  | 0 | 0 | 3045 |
| SPDR GOLD TR | GOLD SHS | 78463V107 |  | 4041569 | 10198 | SH |  | SOLE |  | 332 | 0 | 9866 |
| SPDR INDEX SHS FDS | PORTFOLIO EMG MK | 78463X509 |  | 346347 | 7399 | SH |  | SOLE |  | 0 | 0 | 7399 |
| SPDR INDEX SHS FDS | PORTFOLIO DEVLPD | 78463X889 |  | 342042 | 7702 | SH |  | SOLE |  | 124 | 0 | 7578 |
| SPDR SERIES TRUST | STATE STREET SPD | 78464A383 |  | 23263633 | 1037860 | SH |  | SOLE |  | 45017 | 0 | 992843 |
| SPDR SERIES TRUST | STATE STREET SPD | 78464A805 |  | 1260416 | 15278 | SH |  | SOLE |  | 38 | 0 | 15240 |
| SPDR SERIES TRUST | STATE STREET SPD | 78464A474 |  | 4241040 | 140432 | SH |  | SOLE |  | 0 | 0 | 140432 |
| SPDR SERIES TRUST | STATE STREET SPD | 78464A649 |  | 810945 | 31493 | SH |  | SOLE |  | 260 | 0 | 31233 |
| TESLA INC | COM | 88160R101 |  | 1731872 | 3851 | SH |  | SOLE |  | 12 | 0 | 3839 |
| TRI CONTL CORP | COM | 895436103 |  | 391528 | 11988 | SH |  | SOLE |  | 0 | 0 | 11988 |
| TRIMBLE INC | COM | 896239100 |  | 979375 | 12500 | SH |  | SOLE |  | 0 | 0 | 12500 |
| US BANCORP DEL | COM NEW | 902973304 |  | 211359 | 3961 | SH |  | SOLE |  | 0 | 0 | 3961 |
| USBC INC. | COM NEW | 499238202 |  | 15870 | 25000 | SH |  | SOLE |  | 0 | 0 | 25000 |
| VANGUARD BD INDEX FDS | SHORT TRM BOND | 921937827 |  | 6047407 | 76734 | SH |  | SOLE |  | 0 | 0 | 76734 |
| VANGUARD INDEX FDS | TOTAL STK MKT | 922908769 |  | 2490386 | 7428 | SH |  | SOLE |  | 0 | 0 | 7428 |
| VANGUARD INDEX FDS | S 500 ETF SHS | 922908363 |  | 430211 | 686 | SH |  | SOLE |  | 14 | 0 | 672 |
| VANGUARD INTL EQUITY INDEX F | TT WRLD ST ETF | 922042742 |  | 3977610 | 28198 | SH |  | SOLE |  | 7 | 0 | 28191 |
| VANGUARD MALVERN FDS | STRM INFPROIDX | 922020805 |  | 29299335 | 592384 | SH |  | SOLE |  | 17619 | 0 | 574765 |
| VANGUARD MUN BD FDS | TAX EXEMPT BD | 922907746 |  | 2676836 | 53228 | SH |  | SOLE |  | 0 | 0 | 53228 |
| VANGUARD SCOTTSDALE FDS | SHORT TERM TREAS | 92206C102 |  | 6810796 | 115968 | SH |  | SOLE |  | 0 | 0 | 115968 |
| VANGUARD SCOTTSDALE FDS | SHRT TRM CORP BD | 92206C409 |  | 7355571 | 92256 | SH |  | SOLE |  | 0 | 0 | 92256 |
| VANGUARD WELLINGTON FD | SHORT TRM TAX EX | 921935870 |  | 231083 | 2275 | SH |  | SOLE |  | 0 | 0 | 2275 |
| VANGUARD WORLD FD | INF TECH ETF | 92204A702 |  | 520862 | 691 | SH |  | SOLE |  | 0 | 0 | 691 |

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