XY Planning Network, Inc.

XY Planning Network Inc.'s $630M, 273-name 13F for Q1 2026 is a textbook ETF-overlay institutional wrapper: the top five holdings are exclusively ETFs — DFAC (U.S. small-cap core equity) at 5.9%, VTI (total U.S. stock market) at 5.5%, VOO (S&P 500) at 4.5%, DFIC (international small-cap) at 2.9%, and VEA (developed markets) at 2.9% — that together span U.S. large-cap, U.S. small-cap, and international small-cap equity sleeves with no single-name positions visible in the top layer and eight ETFs across the top eight holdings. With whaleScore of 49.75 and average position size of approximately $2.3M across 273 names, the remaining names fill out the equity and potentially fixed-income sleeves beneath the ETF core but add limited smart-money signal — all top-layer risk is in vehicles. This is the class of filing that functions best as a vehicle-selection signal, not a name-conviction signal, and is therefore filed as passive.