# EDGAR Filing Document

**Accession Number:** 0001910934
**File Stem:** 0001910934-26-000001
**Filing Date:** 2026-1
**Character Count:** 11425
**Document Hash:** ebd24bff2998e4bf7b6d6e157795a0ba
**Contains OCR:** False
**Source Format:** 

## Filing Content

## Filing Summary
**0001910934-26-000001.hdr.sgml**: 20260116

**ACCESSION NUMBER**: 0001910934-26-000001

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

**PUBLIC DOCUMENT COUNT**: 2

**CONFORMED PERIOD OF REPORT**: 20251231

**FILED AS OF DATE**: 20260116

**DATE AS OF CHANGE**: 20260116

**EFFECTIVENESS DATE**: 20260116

**FILER**: 

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** Life Planning Partners, Inc
- **CENTRAL INDEX KEY:** 0001910934

**ORGANIZATION NAME:**
- **EIN:** 200264555
- **STATE OF INCORPORATION:** FL
- **FISCAL YEAR END:** 1231

**FILING VALUES:**
- **FORM TYPE:** 13F-HR
- **SEC ACT:** 1934 Act
- **SEC FILE NUMBER:** 028-21823
- **FILM NUMBER:** 26538891

**BUSINESS ADDRESS:**
- **STREET 1:** 961 OLD GROVE MANOR
- **CITY:** JACKSONVILLE
- **STATE:** FL
- **ZIP:** 32207
- **BUSINESS PHONE:** 9044485158

**MAIL ADDRESS:**
- **STREET 1:** 6550 ST. AUGUSTINE ROAD
- **STREET 2:** SUITE 302
- **CITY:** JACKSONVILLE
- **STATE:** FL
- **ZIP:** 32217

### 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:** Life Planning Partners Inc<br>**Address:** 6550 ST. AUGUSTINE ROAD<br>SUITE 302<br>JACKSONVILLE, FL 32217

**Form 13F File Number:** 028-21823

**CRD Number (if applicable):** 000129338

**SEC File Number (if applicable):** 801-107568

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:** Brett Lozowski<br>**Title:** Chief Compliance Officer<br>**Phone:** 904-448-5158

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

/s/Brett Lozowski  Jacksonville, FL  01-16-2026<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:** 66

**Form 13F Information Table Value Total:** $130553028

      (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 | 366269 | 1603 | SH |  | SOLE |  | 0 | 0 | 1603 |
| AMERICAN CENTY ETF TR | AVANTIS CORE FI | 025072562 | BBG00XTVX1T7 | 1314235 | 31349 | SH |  | SOLE |  | 0 | 0 | 31349 |
| AMERICAN CENTY ETF TR | EMERGING MKT VAL | 025072372 | BBG012NXXGN9 | 240820 | 4130 | SH |  | SOLE |  | 0 | 0 | 4130 |
| AMERICAN CENTY ETF TR | INTERNATIONAL LR | 025072364 | BBG012R45GX9 | 279222 | 3920 | SH |  | SOLE |  | 0 | 0 | 3920 |
| AMERICAN CENTY ETF TR | INTL EQT ETF | 025072703 | BBG00Q9MQ6T1 | 1670328 | 20291 | SH |  | SOLE |  | 0 | 0 | 20291 |
| AMERICAN CENTY ETF TR | INTL SMCP VLU | 025072802 | BBG00Q9MR7Z1 | 338762 | 3605 | SH |  | SOLE |  | 0 | 0 | 3605 |
| AMERICAN CENTY ETF TR | REAL ESTATE ETF | 025072356 | BBG012R478M7 | 1542414 | 35433 | SH |  | SOLE |  | 0 | 0 | 35433 |
| AMERICAN CENTY ETF TR | US EQT ETF | 025072885 | BBG00Q9MPQH1 | 2254578 | 20169 | SH |  | SOLE |  | 0 | 0 | 20169 |
| APPLE INC | COM | 037833100 | BBG001S5N8V8 | 233216 | 858 | SH |  | SOLE |  | 0 | 0 | 858 |
| BANK AMERICA CORP | COM | 060505104 | BBG001S5P0Y0 | 430880 | 7834 | SH |  | SOLE |  | 0 | 0 | 7834 |
| CHEVRON CORP NEW | COM | 166764100 | BBG001S67ZC5 | 279907 | 1837 | SH |  | SOLE |  | 0 | 0 | 1837 |
| DIMENSIONAL ETF TRUST | INTL CORE EQT MK | 25434V203 | BBG00Y2PGDN6 | 1780943 | 46732 | SH |  | SOLE |  | 0 | 0 | 46732 |
| DIMENSIONAL ETF TRUST | INTL CORE EQUITY | 25434V799 | BBG01631TNW2 | 377681 | 10960 | SH |  | SOLE |  | 0 | 0 | 10960 |
| DIMENSIONAL ETF TRUST | NATL MUN BD ETF | 25434V849 | BBG012558MV6 | 485072 | 10070 | SH |  | SOLE |  | 0 | 0 | 10070 |
| DIMENSIONAL ETF TRUST | US EQUITY MARKET | 25434V401 | BBG011DXXNJ2 | 2427742 | 32731 | SH |  | SOLE |  | 0 | 0 | 32731 |
| DIMENSIONAL ETF TRUST | WORLD EX US CORE | 25434V880 | BBG012G2PD33 | 1515615 | 46307 | SH |  | SOLE |  | 0 | 0 | 46307 |
| FIDELITY COVINGTON TRUST | MSCI RL EST ETF | 316092857 | BBG008229899 | 1119647 | 41638 | SH |  | SOLE |  | 0 | 0 | 41638 |
| FIDELITY MERRIMACK STR TR | SYSTEMATIC MUN | 316188846 | BBG01T7KQTL8 | 2396451 | 47706 | SH |  | SOLE |  | 0 | 0 | 47706 |
| GLOBAL X FDS | 1-3 MONTH T-BILL | 37960A438 | BBG01H2Z08D9 | 3551408 | 35474 | SH |  | SOLE |  | 0 | 0 | 35474 |
| GXO LOGISTICS INCORPORATED | COMMON STOCK | 36262G101 | BBG00YDGX9Z1 | 318735 | 6055 | SH |  | SOLE |  | 0 | 0 | 6055 |
| ISHARES INC | CORE MSCI EMKT | 46434G103 | BBG003HC3DG9 | 5389156 | 80173 | SH |  | SOLE |  | 0 | 0 | 80173 |
| ISHARES TR | 0-5YR INVT GR CP | 46434V100 | BBG005DW0468 | 2397990 | 47297 | SH |  | SOLE |  | 0 | 0 | 47297 |
| ISHARES TR | CALIF MUN BD ETF | 464288356 | BBG001T03XM5 | 479044 | 8337 | SH |  | SOLE |  | 0 | 0 | 8337 |
| ISHARES TR | CORE MSCI EAFE | 46432F842 | BBG003H6TRS0 | 10650666 | 119055 | SH |  | SOLE |  | 0 | 0 | 119055 |
| ISHARES TR | CORE MSCI TOTAL | 46432F834 | BBG003H6TMV7 | 990176 | 11699 | SH |  | SOLE |  | 0 | 0 | 11699 |
| ISHARES TR | CORE S TTL STK | 464287150 | BBG001SHTRL5 | 26261839 | 176621 | SH |  | SOLE |  | 0 | 0 | 176621 |
| ISHARES TR | CORE S US VLU | 464287663 | BBG001SFQL80 | 2511306 | 24491 | SH |  | SOLE |  | 0 | 0 | 24491 |
| ISHARES TR | CORE S ETF | 464287200 | BBG001SFB7R6 | 1238935 | 1808 | SH |  | SOLE |  | 0 | 0 | 1808 |
| ISHARES TR | CORE UNIVRSL USD | 46434V613 | BBG006MJCSW0 | 3797182 | 81589 | SH |  | SOLE |  | 0 | 0 | 81589 |
| ISHARES TR | CORE US AGGBD ET | 464287226 | BBG001SM1QT8 | 339491 | 3399 | SH |  | SOLE |  | 0 | 0 | 3399 |
| ISHARES TR | IBOXX INV CP ETF | 464287242 | BBG001S60QR6 | 964109 | 8750 | SH |  | SOLE |  | 0 | 0 | 8750 |
| ISHARES TR | NATIONAL MUN ETF | 464288414 | BBG001SZV978 | 4292858 | 40079 | SH |  | SOLE |  | 0 | 0 | 40079 |
| ISHARES TR | RUS TP200 GR ETF | 464289438 | BBG001T5LBR7 | 316265 | 1142 | SH |  | SOLE |  | 0 | 0 | 1142 |
| ISHARES TR | SHRT NAT MUN ETF | 464288158 | BBG001SLS4Q3 | 5828345 | 54624 | SH |  | SOLE |  | 0 | 0 | 54624 |
| ISHARES TR | SP SMCP600VL ETF | 464287879 | BBG001SFQL26 | 240404 | 2114 | SH |  | SOLE |  | 0 | 0 | 2114 |
| JPMORGAN CHASE  CO. | COM | 46625H100 | BBG001S8CRC3 | 440152 | 1366 | SH |  | SOLE |  | 0 | 0 | 1366 |
| MICROSOFT CORP | COM | 594918104 | BBG001S5TD05 | 254470 | 526 | SH |  | SOLE |  | 0 | 0 | 526 |
| PALANTIR TECHNOLOGIES INC | CL A | 69608A108 | BBG001T53796 | 364657 | 2052 | SH |  | SOLE |  | 0 | 0 | 2052 |
| PARKER-HANNIFIN CORP | COM | 701094104 | BBG001S5V554 | 1165501 | 1326 | SH |  | SOLE |  | 0 | 0 | 1326 |
| SCHWAB STRATEGIC TR | INTL SCEQT ETF | 808524888 | BBG001T6L7C0 | 470689 | 10338 | SH |  | SOLE |  | 0 | 0 | 10338 |
| SPDR INDEX SHS FDS | PORTFOLIO DEVLPD | 78463X889 | BBG001SRXRJ1 | 3029208 | 68210 | SH |  | SOLE |  | 0 | 0 | 68210 |
| SPDR INDEX SHS FDS | PORTFOLIO EMG MK | 78463X509 | BBG001SRXRD7 | 536724 | 11466 | SH |  | SOLE |  | 0 | 0 | 11466 |
| SPDR INDEX SHS FDS | S EMKTSC ETF | 78463X756 | BBG001T2PHC3 | 393937 | 6000 | SH |  | SOLE |  | 0 | 0 | 6000 |
| TESLA INC | COM | 88160R101 | BBG001SQKGD7 | 1260167 | 2802 | SH |  | SOLE |  | 0 | 0 | 2802 |
| VANGUARD BD INDEX FDS | INTERMED TERM | 921937819 | BBG001ST39R1 | 1627978 | 20904 | SH |  | SOLE |  | 0 | 0 | 20904 |
| VANGUARD BD INDEX FDS | SHORT TRM BOND | 921937827 | BBG001ST39Q2 | 540716 | 6861 | SH |  | SOLE |  | 0 | 0 | 6861 |
| VANGUARD BD INDEX FDS | TOTAL BND MRKT | 921937835 | BBG001SK7DK4 | 1161098 | 15676 | SH |  | SOLE |  | 0 | 0 | 15676 |
| VANGUARD BD INDEX FDS | VANGUARD ULTRA | 92203C303 | BBG00ZXBYMT4 | 976356 | 19590 | SH |  | SOLE |  | 0 | 0 | 19590 |
| VANGUARD INDEX FDS | GROWTH ETF | 922908736 | BBG001SHTTS4 | 200023 | 410 | SH |  | SOLE |  | 0 | 0 | 410 |
| VANGUARD INDEX FDS | LARGE CAP ETF | 922908637 | BBG001SHTTQ6 | 1446266 | 4594 | SH |  | SOLE |  | 0 | 0 | 4594 |
| VANGUARD INDEX FDS | REAL ESTATE ETF | 922908553 | BBG001SMD2X3 | 285243 | 3223 | SH |  | SOLE |  | 0 | 0 | 3223 |
| VANGUARD INDEX FDS | SM CP VAL ETF | 922908611 | BBG001SHVTR2 | 776422 | 3666 | SH |  | SOLE |  | 0 | 0 | 3666 |
| VANGUARD INDEX FDS | SMALL CP ETF | 922908751 | BBG001SHTTV0 | 2161864 | 8381 | SH |  | SOLE |  | 0 | 0 | 8381 |
| VANGUARD INDEX FDS | TOTAL STK MKT | 922908769 | BBG001SHTB03 | 7965801 | 23760 | SH |  | SOLE |  | 0 | 0 | 23760 |
| VANGUARD INDEX FDS | VALUE ETF | 922908744 | BBG001SHVR78 | 711451 | 3725 | SH |  | SOLE |  | 0 | 0 | 3725 |
| VANGUARD INTL EQUITY INDEX F | ALLWRLD EX US | 922042775 | BBG001SP7T00 | 1101474 | 14974 | SH |  | SOLE |  | 0 | 0 | 14974 |
| VANGUARD INTL EQUITY INDEX F | FTSE EMR MKT ETF | 922042858 | BBG001SHTTZ6 | 2661836 | 49513 | SH |  | SOLE |  | 0 | 0 | 49513 |
| VANGUARD INTL EQUITY INDEX F | FTSE EUROPE ETF | 922042874 | BBG001SHTV18 | 471310 | 5637 | SH |  | SOLE |  | 0 | 0 | 5637 |
| VANGUARD INTL EQUITY INDEX F | FTSE SMCAP ETF | 922042718 | BBG001T0SKD6 | 993995 | 6935 | SH |  | SOLE |  | 0 | 0 | 6935 |
| VANGUARD INTL EQUITY INDEX F | GLB EX US ETF | 922042676 | BBG001TCVT65 | 598169 | 13050 | SH |  | SOLE |  | 0 | 0 | 13050 |
| VANGUARD MUN BD FDS | TAX EXEMPT BD | 922907746 | BBG009THVRX1 | 1210381 | 24068 | SH |  | SOLE |  | 0 | 0 | 24068 |
| VANGUARD SCOTTSDALE FDS | INT-TERM CORP | 92206C870 | BBG001T62M38 | 2329380 | 27815 | SH |  | SOLE |  | 0 | 0 | 27815 |
| VANGUARD SCOTTSDALE FDS | SHRT TRM CORP BD | 92206C409 | BBG001T62KZ7 | 376962 | 4728 | SH |  | SOLE |  | 0 | 0 | 4728 |
| VANGUARD TAX-MANAGED FDS | VAN FTSE DEV MKT | 921943858 | BBG001SSPWL4 | 5348172 | 85612 | SH |  | SOLE |  | 0 | 0 | 85612 |
| VANGUARD WELLINGTON FD | SHORT TRM TAX EX | 921935870 | BBG01FQJQMT7 | 203150 | 2000 | SH |  | SOLE |  | 0 | 0 | 2000 |
| XPO INC | COM | 983793100 | BBG001SJW3C0 | 867785 | 6385 | SH |  | SOLE |  | 0 | 0 | 6385 |

---