PDS Planning, Inc Form 13F-HR Filed 2022-11-02

UNITED STATES SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549
FORM 13F

FORM 13F INFORMATION TABLE

OMB APPROVAL

OMB Number:		3235-0006
Expires:	July 31, 2015
Estimated average burden
hours per response:		23.8

COLUMN 1	COLUMN 2	COLUMN 3	COLUMN 4	COLUMN 5			COLUMN 6	COLUMN 7	COLUMN 8
			VALUE	SHRS OR	SH/	PUT/	INVESTMENT	OTHER	VOTING AUTHORITY
NAME OF ISSUER	TITLE OF CLASS	CUSIP	(x$1000)	PRN AMT	PRN	CALL	DISCRETION	MANAGER	SOLE	SHARED	NONE
3M CO	COM	88579Y101	289	2,618	SH		SOLE		0	0	2,618
ABBOTT LABS	COM	002824100	12,344	127,573	SH		SOLE		0	0	127,573
ABBVIE INC	COM	00287Y109	16,496	122,910	SH		SOLE		0	0	122,910
ACCENTURE PLC IRELAND	SHS CLASS A	G1151C101	401	1,557	SH		SOLE		0	0	1,557
ADOBE SYSTEMS INCORPORATED	COM	00724F101	565	2,053	SH		SOLE		0	0	2,053
AGILON HEALTH INC	COM	00857U107	800	34,149	SH		SOLE		0	0	34,149
AIRBNB INC	COM CL A	009066101	317	3,020	SH		SOLE		0	0	3,020
ALIBABA GROUP HLDG LTD	SPONSORED ADS	01609W102	340	4,255	SH		SOLE		0	0	4,255
ALPHABET INC	CAP STK CL A	02079K305	1,753	18,329	SH		SOLE		0	0	18,329
ALPHABET INC	CAP STK CL C	02079K107	1,657	17,234	SH		SOLE		0	0	17,234
ALTRIA GROUP INC	COM	02209S103	291	7,208	SH		SOLE		0	0	7,208
AMAZON COM INC	COM	023135106	2,335	20,660	SH		SOLE		0	0	20,660
AMBEV SA	SPONSORED ADR	02319V103	34	11,893	SH		SOLE		0	0	11,893
AMERICAN ELEC PWR CO INC	COM	025537101	654	7,563	SH		SOLE		0	0	7,563
AMERICAN EXPRESS CO	COM	025816109	219	1,624	SH		SOLE		0	0	1,624
AMERICAN TOWER CORP NEW	COM	03027X100	305	1,419	SH		SOLE		0	0	1,419
AMGEN INC	COM	031162100	282	1,253	SH		SOLE		0	0	1,253
APPLE INC	COM	037833100	17,590	127,276	SH		SOLE		0	0	127,276
APTOSE BIOSCIENCES INC	COM NEW	03835T200	6	10,000	SH		SOLE		0	0	10,000
ASE TECHNOLOGY HLDG CO LTD	SPONSORED ADS	00215W100	97	19,490	SH		SOLE		0	0	19,490
ASML HOLDING N V	N Y REGISTRY SHS	N07059210	327	787	SH		SOLE		0	0	787
ASTRAZENECA PLC	SPONSORED ADR	046353108	401	7,316	SH		SOLE		0	0	7,316
AT&T INC	COM	00206R102	323	21,041	SH		SOLE		0	0	21,041
AUTOMATIC DATA PROCESSING IN	COM	053015103	424	1,876	SH		SOLE		0	0	1,876
BANCO BILBAO VIZCAYA ARGENTA	SPONSORED ADR	05946K101	65	14,499	SH		SOLE		0	0	14,499
BANCO BRADESCO S A	SP ADR PFD NEW	059460303	48	13,085	SH		SOLE		0	0	13,085
BANCO SANTANDER S.A.	ADR	05964H105	47	20,368	SH		SOLE		0	0	20,368
BARCLAYS BANK PLC	DJUBS CMDT ETN36	06738C778	265	8,067	SH		SOLE		0	0	8,067
BATH & BODY WORKS INC	COM	070830104	514	15,756	SH		SOLE		0	0	15,756
BECTON DICKINSON & CO	COM	075887109	254	1,138	SH		SOLE		0	0	1,138
BERKSHIRE HATHAWAY INC DEL	CL B NEW	084670702	4,588	17,183	SH		SOLE		0	0	17,183
BK OF AMERICA CORP	COM	060505104	340	11,246	SH		SOLE		0	0	11,246
BOEING CO	COM	097023105	216	1,785	SH		SOLE		0	0	1,785
BRISTOL-MYERS SQUIBB CO	COM	110122108	416	5,851	SH		SOLE		0	0	5,851
BROADCOM INC	COM	11135F101	336	756	SH		SOLE		0	0	756
CANADIAN NATL RY CO	COM	136375102	296	2,737	SH		SOLE		0	0	2,737
CARDINAL HEALTH INC	COM	14149Y108	342	5,127	SH		SOLE		0	0	5,127
CATERPILLAR INC	COM	149123101	256	1,561	SH		SOLE		0	0	1,561
CHEVRON CORP NEW	COM	166764100	689	4,795	SH		SOLE		0	0	4,795
CHUBB LIMITED	COM	H1467J104	229	1,259	SH		SOLE		0	0	1,259
CHUNGHWA TELECOM CO LTD	SPON ADR NEW11	17133Q502	209	5,888	SH		SOLE		0	0	5,888
CIA ENERGETICA DE MINAS GERA	SP ADR N-V PFD	204409601	28	13,928	SH		SOLE		0	0	13,928
CIGNA CORP NEW	COM	125523100	521	1,876	SH		SOLE		0	0	1,876
CINCINNATI FINL CORP	COM	172062101	1,791	19,995	SH		SOLE		0	0	19,995
CISCO SYS INC	COM	17275R102	755	18,870	SH		SOLE		0	0	18,870
CMS ENERGY CORP	COM	125896100	385	6,614	SH		SOLE		0	0	6,614
COCA COLA CO	COM	191216100	3,159	56,393	SH		SOLE		0	0	56,393
COMCAST CORP NEW	CL A	20030N101	265	9,034	SH		SOLE		0	0	9,034
CONOCOPHILLIPS	COM	20825C104	901	8,800	SH		SOLE		0	0	8,800
COSTCO WHSL CORP NEW	COM	22160K105	365	772	SH		SOLE		0	0	772
CREDIT SUISSE GROUP	SPONSORED ADR	225401108	48	12,134	SH		SOLE		0	0	12,134
DANAHER CORPORATION	COM	235851102	353	1,368	SH		SOLE		0	0	1,368
DEERE & CO	COM	244199105	1,900	5,692	SH		SOLE		0	0	5,692
DISNEY WALT CO	COM	254687106	604	6,407	SH		SOLE		0	0	6,407
DUKE ENERGY CORP NEW	COM NEW	26441C204	203	2,185	SH		SOLE		0	0	2,185
EATON CORP PLC	SHS	G29183103	737	5,528	SH		SOLE		0	0	5,528
ELEVANCE HEALTH INC	COM	036752103	468	1,030	SH		SOLE		0	0	1,030
EMERSON ELEC CO	COM	291011104	364	4,966	SH		SOLE		0	0	4,966
ENBRIDGE INC	COM	29250N105	205	5,512	SH		SOLE		0	0	5,512
EXXON MOBIL CORP	COM	30231G102	1,327	15,204	SH		SOLE		0	0	15,204
FORD MTR CO DEL	COM	345370860	262	23,357	SH		SOLE		0	0	23,357
GREIF INC	CL B	397624206	560	9,214	SH		SOLE		0	0	9,214
GREIF INC	CL A	397624107	513	8,620	SH		SOLE		0	0	8,620
HOME DEPOT INC	COM	437076102	973	3,525	SH		SOLE		0	0	3,525
HSBC HLDGS PLC	SPON ADR NEW	404280406	209	8,006	SH		SOLE		0	0	8,006
HUNTINGTON BANCSHARES INC	COM	446150104	319	24,231	SH		SOLE		0	0	24,231
ILLINOIS TOOL WKS INC	COM	452308109	234	1,293	SH		SOLE		0	0	1,293
INFOSYS LTD	SPONSORED ADR	456788108	230	13,527	SH		SOLE		0	0	13,527
INTEL CORP	COM	458140100	366	14,215	SH		SOLE		0	0	14,215
INTERNATIONAL BUSINESS MACHS	COM	459200101	394	3,320	SH		SOLE		0	0	3,320
INTUIT	COM	461202103	232	600	SH		SOLE		0	0	600
INVESCO EXCH TRADED FD TR II	FTSE RAFI DEV	46138E743	401	11,440	SH		SOLE		0	0	11,440
INVESCO EXCHANGE TRADED FD T	DWA BASIC MATL	46137V704	144	2,058	SH		SOLE		0	0	2,058
INVESCO QQQ TR	UNIT SER 1	46090E103	326	1,221	SH		SOLE		0	0	1,221
ISHARES GOLD TR	ISHARES NEW	464285204	385	12,219	SH		SOLE		0	0	12,219
ISHARES INC	MSCI GBL MIN VOL	464286525	358	4,047	SH		SOLE		0	0	4,047
ISHARES INC	MSCI EMERG MRKT	464286533	221	4,362	SH		SOLE		0	0	4,362
ISHARES INC	CORE MSCI EMKT	46434G103	2,691	62,616	SH		SOLE		0	0	62,616
ISHARES INC	MSCI EMRG CHN	46434G764	277	6,263	SH		SOLE		0	0	6,263
ISHARES TR	CORE S&P MCP ETF	464287507	27,793	126,756	SH		SOLE		0	0	126,756
ISHARES TR	CORE S&P500 ETF	464287200	30,883	86,109	SH		SOLE		0	0	86,109
ISHARES TR	RUS 1000 VAL ETF	464287598	280	2,055	SH		SOLE		0	0	2,055
ISHARES TR	RUS 1000 GRW ETF	464287614	223	1,061	SH		SOLE		0	0	1,061
ISHARES TR	RUS 2000 VAL ETF	464287630	844	6,546	SH		SOLE		0	0	6,546
ISHARES TR	CORE US AGGBD ET	464287226	36,394	377,766	SH		SOLE		0	0	377,766
ISHARES TR	ISHS 1-5YR INVS	464288646	18,192	369,146	SH		SOLE		0	0	369,146
ISHARES TR	NATIONAL MUN ETF	464288414	7,174	69,937	SH		SOLE		0	0	69,937
ISHARES TR	SHRT NAT MUN ETF	464288158	5,357	52,186	SH		SOLE		0	0	52,186
ISHARES TR	MSCI USA MIN VOL	46429B697	584	8,828	SH		SOLE		0	0	8,828
ISHARES TR	MSCI EAFE MIN VL	46429B689	479	8,409	SH		SOLE		0	0	8,409
ISHARES TR	CORE MSCI EAFE	46432F842	7,923	150,431	SH		SOLE		0	0	150,431
ISHARES TR	CORE 1 5 YR USD	46432F859	658	14,283	SH		SOLE		0	0	14,283
ISHARES TR	GLOBAL REIT ETF	46434V647	14,706	691,404	SH		SOLE		0	0	691,404
ISHARES TR	CORE INTL AGGR	46435G672	4,639	95,996	SH		SOLE		0	0	95,996
ISHARES TR	ESG AW MSCI EAFE	46435G516	231	4,107	SH		SOLE		0	0	4,107
ISHARES TR	ESG AWRE 1 5 YR	46435G243	334	14,231	SH		SOLE		0	0	14,231
J P MORGAN EXCHANGE TRADED F	ULTRA SHRT INC	46641Q837	2,494	49,728	SH		SOLE		0	0	49,728
J P MORGAN EXCHANGE TRADED F	ULTRA SHT MUNCPL	46641Q654	7,358	146,292	SH		SOLE		0	0	146,292
JOHNSON & JOHNSON	COM	478160104	1,691	10,352	SH		SOLE		0	0	10,352
JPMORGAN CHASE & CO	COM	46625H100	3,410	32,630	SH		SOLE		0	0	32,630
KIMBERLY-CLARK CORP	COM	494368103	244	2,171	SH		SOLE		0	0	2,171
LG DISPLAY CO LTD	SPONS ADR REP	50186V102	92	22,589	SH		SOLE		0	0	22,589
LILLY ELI & CO	COM	532457108	1,085	3,355	SH		SOLE		0	0	3,355
LINDE PLC	SHS	G5494J103	302	1,122	SH		SOLE		0	0	1,122
LLOYDS BANKING GROUP PLC	SPONSORED ADR	539439109	61	34,040	SH		SOLE		0	0	34,040
LOCKHEED MARTIN CORP	COM	539830109	407	1,054	SH		SOLE		0	0	1,054
LOWES COS INC	COM	548661107	570	3,035	SH		SOLE		0	0	3,035
MARATHON PETE CORP	COM	56585A102	267	2,688	SH		SOLE		0	0	2,688
MASTERCARD INCORPORATED	CL A	57636Q104	617	2,170	SH		SOLE		0	0	2,170
MCDONALDS CORP	COM	580135101	549	2,379	SH		SOLE		0	0	2,379
MEDPACE HLDGS INC	COM	58506Q109	370	2,354	SH		SOLE		0	0	2,354
MERCK & CO INC	COM	58933Y105	625	7,262	SH		SOLE		0	0	7,262
META PLATFORMS INC	CL A	30303M102	777	5,729	SH		SOLE		0	0	5,729
MICROSOFT CORP	COM	594918104	5,661	24,305	SH		SOLE		0	0	24,305
NAVIDEA BIOPHARMACEUTICALS I	COM NEW	63937X202	3	10,565	SH		SOLE		0	0	10,565
NETFLIX INC	COM	64110L106	249	1,058	SH		SOLE		0	0	1,058
NEXTERA ENERGY INC	COM	65339F101	794	10,128	SH		SOLE		0	0	10,128
NIO INC	SPON ADS	62914V106	878	55,660	SH		SOLE		0	0	55,660
NISOURCE INC	COM	65473P105	437	17,347	SH		SOLE		0	0	17,347
NOKIA CORP	SPONSORED ADR	654902204	89	20,933	SH		SOLE		0	0	20,933
NORTHROP GRUMMAN CORP	COM	666807102	288	613	SH		SOLE		0	0	613
NOVARTIS AG	SPONSORED ADR	66987V109	213	2,800	SH		SOLE		0	0	2,800
NOVO-NORDISK A S	ADR	670100205	362	3,630	SH		SOLE		0	0	3,630
NVIDIA CORPORATION	COM	67066G104	820	6,758	SH		SOLE		0	0	6,758
ORACLE CORP	COM	68389X105	545	8,917	SH		SOLE		0	0	8,917
PARK NATL CORP	COM	700658107	211	1,698	SH		SOLE		0	0	1,698
PEPSICO INC	COM	713448108	986	6,037	SH		SOLE		0	0	6,037
PFIZER INC	COM	717081103	815	18,618	SH		SOLE		0	0	18,618
PHILIP MORRIS INTL INC	COM	718172109	222	2,675	SH		SOLE		0	0	2,675
PHILLIPS 66	COM	718546104	303	3,759	SH		SOLE		0	0	3,759
PROCTER AND GAMBLE CO	COM	742718109	3,219	25,501	SH		SOLE		0	0	25,501
PROLOGIS INC.	COM	74340W103	280	2,760	SH		SOLE		0	0	2,760
QUALCOMM INC	COM	747525103	262	2,316	SH		SOLE		0	0	2,316
RAYTHEON TECHNOLOGIES CORP	COM	75513E101	208	2,543	SH		SOLE		0	0	2,543
REGENERON PHARMACEUTICALS	COM	75886F107	254	369	SH		SOLE		0	0	369
S&P GLOBAL INC	COM	78409V104	216	707	SH		SOLE		0	0	707
SALESFORCE INC	COM	79466L302	290	2,017	SH		SOLE		0	0	2,017
SCHWAB CHARLES CORP	COM	808513105	281	3,906	SH		SOLE		0	0	3,906
SCHWAB STRATEGIC TR	US BRD MKT ETF	808524102	269	6,396	SH		SOLE		0	0	6,396
SCHWAB STRATEGIC TR	INTL EQTY ETF	808524805	137	4,884	SH		SOLE		0	0	4,884
SCHWAB STRATEGIC TR	US DIVIDEND EQ	808524797	348	5,241	SH		SOLE		0	0	5,241
SHELL PLC	SPON ADS	780259305	216	4,348	SH		SOLE		0	0	4,348
SHERWIN WILLIAMS CO	COM	824348106	363	1,773	SH		SOLE		0	0	1,773
SPDR GOLD TR	GOLD SHS	78463V107	696	4,499	SH		SOLE		0	0	4,499
SPDR INDEX SHS FDS	DJ GLB RL ES ETF	78463X749	271	7,007	SH		SOLE		0	0	7,007
SPDR S&P 500 ETF TR	TR UNIT	78462F103	916	2,565	SH		SOLE		0	0	2,565
SPDR SER TR	S&P DIVID ETF	78464A763	1,923	17,246	SH		SOLE		0	0	17,246
SSGA ACTIVE ETF TR	GLOBL ALLO ETF	78467V400	2,528	70,266	SH		SOLE		0	0	70,266
STARBUCKS CORP	COM	855244109	336	3,986	SH		SOLE		0	0	3,986
SUMITOMO MITSUI FINL GROUP I	SPONSORED ADR	86562M209	105	19,125	SH		SOLE		0	0	19,125
TAIWAN SEMICONDUCTOR MFG LTD	SPONSORED ADS	874039100	666	9,708	SH		SOLE		0	0	9,708
TARGET CORP	COM	87612E106	635	4,278	SH		SOLE		0	0	4,278
TESLA INC	COM	88160R101	1,528	5,760	SH		SOLE		0	0	5,760
TEXAS INSTRS INC	COM	882508104	485	3,131	SH		SOLE		0	0	3,131
THERMO FISHER SCIENTIFIC INC	COM	883556102	795	1,568	SH		SOLE		0	0	1,568
TJX COS INC NEW	COM	872540109	214	3,438	SH		SOLE		0	0	3,438
TORONTO DOMINION BK ONT	COM NEW	891160509	276	4,505	SH		SOLE		0	0	4,505
TOYOTA MOTOR CORP	ADS	892331307	226	1,733	SH		SOLE		0	0	1,733
UBS GROUP AG	SHS	H42097107	146	10,075	SH		SOLE		0	0	10,075
UNILEVER PLC	SPON ADR NEW	904767704	309	7,042	SH		SOLE		0	0	7,042
UNION PAC CORP	COM	907818108	426	2,188	SH		SOLE		0	0	2,188
UNITED MICROELECTRONICS CORP	SPON ADR NEW	910873405	144	25,888	SH		SOLE		0	0	25,888
UNITED PARCEL SERVICE INC	CL B	911312106	5,525	34,204	SH		SOLE		0	0	34,204
UNITEDHEALTH GROUP INC	COM	91324P102	1,555	3,080	SH		SOLE		0	0	3,080
US BANCORP DEL	COM NEW	902973304	393	9,751	SH		SOLE		0	0	9,751
VANECK MERK GOLD TR	GOLD TRUST	921078101	2,706	167,778	SH		SOLE		0	0	167,778
VANGUARD BD INDEX FDS	SHORT TRM BOND	921937827	16,945	226,475	SH		SOLE		0	0	226,475
VANGUARD BD INDEX FDS	TOTAL BND MRKT	921937835	5,523	77,429	SH		SOLE		0	0	77,429
VANGUARD CHARLOTTE FDS	TOTAL INT BD ETF	92203J407	25,585	536,028	SH		SOLE		0	0	536,028
VANGUARD INDEX FDS	TOTAL STK MKT	922908769	3,736	20,816	SH		SOLE		0	0	20,816
VANGUARD INDEX FDS	VALUE ETF	922908744	1,165	9,433	SH		SOLE		0	0	9,433
VANGUARD INDEX FDS	MID CAP ETF	922908629	4,914	26,143	SH		SOLE		0	0	26,143
VANGUARD INDEX FDS	SM CP VAL ETF	922908611	39,892	278,185	SH		SOLE		0	0	278,185
VANGUARD INDEX FDS	REAL ESTATE ETF	922908553	3,613	45,067	SH		SOLE		0	0	45,067
VANGUARD INDEX FDS	SMALL CP ETF	922908751	5,531	32,362	SH		SOLE		0	0	32,362
VANGUARD INDEX FDS	GROWTH ETF	922908736	367	1,715	SH		SOLE		0	0	1,715
VANGUARD INDEX FDS	SML CP GRW ETF	922908595	214	1,095	SH		SOLE		0	0	1,095
VANGUARD INDEX FDS	LARGE CAP ETF	922908637	207	1,265	SH		SOLE		0	0	1,265
VANGUARD INDEX FDS	S&P 500 ETF SHS	922908363	969	2,951	SH		SOLE		0	0	2,951
VANGUARD INTL EQUITY INDEX F	FTSE EMR MKT ETF	922042858	30,176	826,961	SH		SOLE		0	0	826,961
VANGUARD INTL EQUITY INDEX F	ALLWRLD EX US	922042775	7,602	171,364	SH		SOLE		0	0	171,364
VANGUARD INTL EQUITY INDEX F	FTSE SMCAP ETF	922042718	2,160	23,271	SH		SOLE		0	0	23,271
VANGUARD INTL EQUITY INDEX F	TT WRLD ST ETF	922042742	2,089	26,488	SH		SOLE		0	0	26,488
VANGUARD MUN BD FDS	TAX EXEMPT BD	922907746	10,514	218,395	SH		SOLE		0	0	218,395
VANGUARD SCOTTSDALE FDS	INT-TERM CORP	92206C870	523	6,911	SH		SOLE		0	0	6,911
VANGUARD SCOTTSDALE FDS	SHRT TRM CORP BD	92206C409	264	3,559	SH		SOLE		0	0	3,559
VANGUARD SPECIALIZED FUNDS	DIV APP ETF	921908844	28,134	208,151	SH		SOLE		0	0	208,151
VANGUARD STAR FDS	VG TL INTL STK F	921909768	272	5,937	SH		SOLE		0	0	5,937
VANGUARD TAX-MANAGED FDS	VAN FTSE DEV MKT	921943858	39,835	1,095,571	SH		SOLE		0	0	1,095,571
VANGUARD WHITEHALL FDS	HIGH DIV YLD	921946406	658	6,930	SH		SOLE		0	0	6,930
VANGUARD WHITEHALL FDS	INTL DVD ETF	921946810	3,893	62,798	SH		SOLE		0	0	62,798
VANGUARD WORLD FD	ESG US STK ETF	921910733	237	3,767	SH		SOLE		0	0	3,767
VANGUARD WORLD FDS	ENERGY ETF	92204A306	417	4,109	SH		SOLE		0	0	4,109
VANGUARD WORLD FDS	HEALTH CAR ETF	92204A504	201	897	SH		SOLE		0	0	897
VANGUARD WORLD FDS	INF TECH ETF	92204A702	341	1,108	SH		SOLE		0	0	1,108
VERIZON COMMUNICATIONS INC	COM	92343V104	508	13,376	SH		SOLE		0	0	13,376
VICTORIAS SECRET AND CO	COMMON STOCK	926400102	191	6,545	SH		SOLE		0	0	6,545
VISA INC	COM CL A	92826C839	831	4,680	SH		SOLE		0	0	4,680
WALMART INC	COM	931142103	394	3,041	SH		SOLE		0	0	3,041
WENDYS CO	COM	95058W100	170	9,120	SH		SOLE		0	0	9,120
WIPRO LTD	SPON ADR 1 SH	97651M109	142	30,211	SH		SOLE		0	0	30,211
WORLD GOLD TR	SPDR GLD MINIS	98149E303	144	4,364	SH		SOLE		0	0	4,364
WORTHINGTON INDS INC	COM	981811102	499	13,078	SH		SOLE		0	0	13,078

Check here if Amendment:	☐ Amendment Number:
This Amendment (Check only one.):	☐ is a restatement. ☐ adds new holdings entries.

Name:	PDS Planning, Inc
Address:	475 METRO PL S., STE 460

	DUBLIN, OH 43017
Form 13F File Number:	028-18459

Name:	Kurt M. Brown
Title:	Chief Compliance Officer
Phone:	614-481-8449

Number of Other Included Managers:	0
Form 13F Information table Entry Total:	203
Form 13F Information table Value Total:	549326 (thousands)

Institutional Investment Manager Filing this Report:

Signature, Place, and Date of Signing:

Report Type (Check only one.):

Form 13F Summary Page

Report Summary:

List of Other Included Managers: