# EDGAR Filing Document

**Accession Number:** 0001954044
**File Stem:** 0001954044-26-000002
**Filing Date:** 2026-4
**Character Count:** 7993
**Document Hash:** 8b302bd3459583e332b69f83f716b728
**Contains OCR:** False
**Source Format:** 

## Filing Content

## Filing Summary
**0001954044-26-000002.hdr.sgml**: 20260429

**ACCESSION NUMBER**: 0001954044-26-000002

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

**PUBLIC DOCUMENT COUNT**: 2

**CONFORMED PERIOD OF REPORT**: 20260331

**FILED AS OF DATE**: 20260429

**DATE AS OF CHANGE**: 20260428

**EFFECTIVENESS DATE**: 20260429

**FILER**: 

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** Fee-Only Financial Planning, L.C.
- **CENTRAL INDEX KEY:** 0001954044

**ORGANIZATION NAME:**
- **EIN:** 541648649
- **STATE OF INCORPORATION:** SC
- **FISCAL YEAR END:** 1231

**FILING VALUES:**
- **FORM TYPE:** 13F-HR
- **SEC ACT:** 1934 Act
- **SEC FILE NUMBER:** 028-22808
- **FILM NUMBER:** 26909779

**BUSINESS ADDRESS:**
- **STREET 1:** 45 SUGAR MILL DRIVE
- **CITY:** OKATIE
- **STATE:** SC
- **ZIP:** 29909
- **BUSINESS PHONE:** 540-467-0901

**MAIL ADDRESS:**
- **STREET 1:** 45 SUGAR MILL DRIVE
- **CITY:** OKATIE
- **STATE:** SC
- **ZIP:** 29909

### 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:** Fee-Only Financial Planning L.C.<br>**Address:** 45 SUGAR MILL DRIVE<br>OKATIE, SC 29909

**Form 13F File Number:** 028-22808

**CRD Number (if applicable):** 000108365

**SEC File Number (if applicable):** 801-60251

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:** Anne Hudick<br>**Title:** Chief Compliance Officer<br>**Phone:** 540-467-0901

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

Anne Hudick  Okatie, SC  04-28-2026<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:** 43

**Form 13F Information Table Value Total:** $165651312

      (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 |
| ADOBE INC | COM | 00724F101 |  | 341527 | 1405 | SH |  | SOLE |  | 0 | 0 | 1405 |
| ALTRIA GROUP INC | COM | 02209S103 |  | 679895 | 10303 | SH |  | SOLE |  | 0 | 0 | 10303 |
| AMERICAN ELEC PWR CO INC | COM | 025537101 |  | 625121 | 4769 | SH |  | SOLE |  | 0 | 0 | 4769 |
| APPLE INC | COM | 037833100 |  | 737768 | 2907 | SH |  | SOLE |  | 0 | 0 | 2907 |
| AT INC | COM | 00206R102 |  | 735679 | 25377 | SH |  | SOLE |  | 0 | 0 | 25377 |
| AUTOZONE INC | COM | 053332102 |  | 337778 | 100 | SH |  | SOLE |  | 0 | 0 | 100 |
| BANK AMERICA CORP | COM | 060505104 |  | 1672974 | 34317 | SH |  | SOLE |  | 0 | 0 | 34317 |
| COMCAST CORP NEW | CL A | 20030N101 |  | 228790 | 7969 | SH |  | SOLE |  | 0 | 0 | 7969 |
| CONSOLIDATED EDISON INC | COM | 209115104 |  | 209043 | 1847 | SH |  | SOLE |  | 0 | 0 | 1847 |
| DOMINION ENERGY INC | COM | 25746U109 |  | 271084 | 4385 | SH |  | SOLE |  | 0 | 0 | 4385 |
| EXXON MOBIL CORP | COM | 30231G102 |  | 892921 | 5263 | SH |  | SOLE |  | 0 | 0 | 5263 |
| FIDELITY COVINGTON TRUST | MSCI ENERGY IDX | 316092402 |  | 316046 | 9290 | SH |  | SOLE |  | 0 | 0 | 9290 |
| FIRST TR EXCHANGE TRADED FD | RISNG DIVD ACHIV | 33738R506 |  | 282338 | 4135 | SH |  | SOLE |  | 0 | 0 | 4135 |
| GE AEROSPACE | COM NEW | 369604301 |  | 443249 | 1562 | SH |  | SOLE |  | 0 | 0 | 1562 |
| GE VERNOVA INC | COM | 36828A101 |  | 378839 | 434 | SH |  | SOLE |  | 0 | 0 | 434 |
| ISHARES TR | S MC 400GR ETF | 464287606 |  | 257587 | 2560 | SH |  | SOLE |  | 0 | 0 | 2560 |
| ISHARES TR | EAFE SML CP ETF | 464288273 |  | 262674 | 3350 | SH |  | SOLE |  | 0 | 0 | 3350 |
| JOHNSON  JOHNSON | COM | 478160104 |  | 256662 | 1050 | SH |  | SOLE |  | 0 | 0 | 1050 |
| MICROSOFT CORP | COM | 594918104 |  | 436102 | 1178 | SH |  | SOLE |  | 0 | 0 | 1178 |
| MONDELEZ INTL INC | CL A | 609207105 |  | 342439 | 5941 | SH |  | SOLE |  | 0 | 0 | 5941 |
| PHILIP MORRIS INTL INC | COM | 718172109 |  | 1267496 | 7666 | SH |  | SOLE |  | 0 | 0 | 7666 |
| SOUTHERN CO | COM | 842587107 |  | 566334 | 5868 | SH |  | SOLE |  | 0 | 0 | 5868 |
| TRUIST FINL CORP | COM | 89832Q109 |  | 620871 | 13506 | SH |  | SOLE |  | 0 | 0 | 13506 |
| VANGUARD INDEX FDS | SMALL CP ETF | 922908751 |  | 11259798 | 42989 | SH |  | SOLE |  | 0 | 0 | 42989 |
| VANGUARD INDEX FDS | VALUE ETF | 922908744 |  | 32253484 | 164391 | SH |  | SOLE |  | 0 | 0 | 164391 |
| VANGUARD INDEX FDS | TOTAL STK MKT | 922908769 |  | 2864192 | 8928 | SH |  | SOLE |  | 0 | 0 | 8928 |
| VANGUARD INDEX FDS | GROWTH ETF | 922908736 |  | 46329223 | 106068 | SH |  | SOLE |  | 0 | 0 | 106068 |
| VANGUARD INDEX FDS | MID CAP ETF | 922908629 |  | 14488518 | 50451 | SH |  | SOLE |  | 0 | 0 | 50451 |
| VANGUARD INDEX FDS | SM CP VAL ETF | 922908611 |  | 11413663 | 52537 | SH |  | SOLE |  | 0 | 0 | 52537 |
| VANGUARD INDEX FDS | SML CP GRW ETF | 922908595 |  | 9018536 | 29838 | SH |  | SOLE |  | 0 | 0 | 29838 |
| VANGUARD INDEX FDS | MCAP GR IDXVIP | 922908538 |  | 1817663 | 7063 | SH |  | SOLE |  | 0 | 0 | 7063 |
| VANGUARD INDEX FDS | MCAP VL IDXVIP | 922908512 |  | 4151276 | 22527 | SH |  | SOLE |  | 0 | 0 | 22527 |
| VANGUARD INDEX FDS | EXTEND MKT ETF | 922908652 |  | 2165016 | 10520 | SH |  | SOLE |  | 0 | 0 | 10520 |
| VANGUARD INDEX FDS | S 500 ETF SHS | 922908363 |  | 4127949 | 6908 | SH |  | SOLE |  | 0 | 0 | 6908 |
| VANGUARD INDEX FDS | REAL ESTATE ETF | 922908553 |  | 300338 | 3386 | SH |  | SOLE |  | 0 | 0 | 3386 |
| VANGUARD INDEX FDS | LARGE CAP ETF | 922908637 |  | 874091 | 2925 | SH |  | SOLE |  | 0 | 0 | 2925 |
| VANGUARD INTL EQUITY INDEX F | ALLWRLD EX US | 922042775 |  | 7523593 | 100181 | SH |  | SOLE |  | 0 | 0 | 100181 |
| VANGUARD INTL EQUITY INDEX F | FTSE EMR MKT ETF | 922042858 |  | 412942 | 7640 | SH |  | SOLE |  | 0 | 0 | 7640 |
| VANGUARD STAR FDS | VG TL INTL STK F | 921909768 |  | 202876 | 2631 | SH |  | SOLE |  | 0 | 0 | 2631 |
| VANGUARD TAX-MANAGED FDS | VAN FTSE DEV MKT | 921943858 |  | 1294063 | 20194 | SH |  | SOLE |  | 0 | 0 | 20194 |
| VANGUARD WORLD FD | ENERGY ETF | 92204A306 |  | 1211280 | 7000 | SH |  | SOLE |  | 0 | 0 | 7000 |
| VANGUARD WORLD FD | MEGA GRWTH IND | 921910816 |  | 1506504 | 4100 | SH |  | SOLE |  | 0 | 0 | 4100 |
| WARNER BROS DISCOVERY INC | COM SER A | 934423104 |  | 273090 | 9945 | SH |  | SOLE |  | 0 | 0 | 9945 |

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