The Securities and Exchange Commission has not necessarily reviewed the information in this filing and has not determined if it is accurate and complete.
The reader should not assume that the information is accurate and complete.

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

FORM 13F COVER PAGE
OMB APPROVAL
OMB Number: 3235-0006
Expires: July 31, 2015
Estimated average burden
hours per response: 23.8
Report for the Calendar Year or Quarter Ended: 03-31-2022
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: PLANNING DIRECTIONS INC
Address: 239 BALTIMORE PIKE
GLEN MILLS , PA19342
Form 13F File Number: 028-18748

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: Frederick J. Dunbar
Title: President and CCO
Phone: 610-361-0865
Signature, Place, and Date of Signing:
Frederick J. Dunbar Glen Mills , PA 05-19-2022
[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 reported are 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: 75
Form 13F Information Table Value Total: 142,392
(thousands)
List of Other Managers Reporting for this Manager:
[If there are no entries in this list, omit this section.]
Form 13F File Number Name

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.]
No. Form 13F File Number Name
SEC FORM 13F-HR

The Securities and Exchange Commission has not necessarily reviewed the information in this filing and has not determined if it is accurate and complete.
The reader should not assume that the information is accurate and complete.

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
AMAZON COM INC COM 023135106 378 116 SH SOLE 0 0 0 116
APPLE INC COM 037833100 8,008 45,860 SH SOLE 0 0 0 45,860
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 229 649 SH SOLE 0 0 0 649
BOEING CO COM 097023105 609 3,179 SH SOLE 0 0 0 3,179
COCA COLA CO COM 191216100 232 3,750 SH SOLE 0 0 0 3,750
COMCAST CORP NEW CL A 20030N101 622 13,293 SH SOLE 0 0 0 13,293
CONSTELLATION BRANDS INC CL A 21036P108 708 3,076 SH SOLE 0 0 0 3,076
CORMEDIX INC COM 21900C308 274 50,000 SH SOLE 0 0 0 50,000
COSTCO WHSL CORP NEW COM 22160K105 221 384 SH SOLE 0 0 0 384
DEERE & CO COM 244199105 221 531 SH SOLE 0 0 0 531
DISNEY WALT CO COM 254687106 445 3,247 SH SOLE 0 0 0 3,247
ESSENTIAL UTILS INC COM 29670G102 283 5,538 SH SOLE 0 0 0 5,538
EXELON CORP COM 30161N101 216 4,545 SH SOLE 0 0 0 4,545
EXXON MOBIL CORP COM 30231G102 379 4,586 SH SOLE 0 0 0 4,586
FIRST TR VALUE LINE DIVID IN SHS 33734H106 1,806 42,686 SH SOLE 0 0 0 42,686
GLOBAL X FDS US INFR DEV ETF 37954Y673 271 9,579 SH SOLE 0 0 0 9,579
HOME DEPOT INC COM 437076102 640 2,137 SH SOLE 0 0 0 2,137
INVESCO EXCHANGE TRADED FD T S&P500 EQL UTL 46137V274 252 2,085 SH SOLE 0 0 0 2,085
INVESCO EXCHANGE TRADED FD T S&P500 EQL STP 46137V373 2,560 15,124 SH SOLE 0 0 0 15,124
INVESCO EXCH TRADED FD TR II S&P MIDCP LOW 46138E198 275 4,926 SH SOLE 0 0 0 4,926
ISHARES INC MSCI GBL MIN VOL 464286525 1,852 17,666 SH SOLE 0 0 0 17,666
ISHARES TR CORE S&P TTL STK 464287150 560 5,549 SH SOLE 0 0 0 5,549
ISHARES TR CORE S&P500 ETF 464287200 335 738 SH SOLE 0 0 0 738
ISHARES TR CORE S&P MCP ETF 464287507 299 1,114 SH SOLE 0 0 0 1,114
ISHARES TR US CONSUM DISCRE 464287580 437 5,822 SH SOLE 0 0 0 5,822
ISHARES TR CORE S&P US GWT 464287671 2,656 25,141 SH SOLE 0 0 0 25,141
ISHARES TR US INDUSTRIALS 464287754 1,619 15,360 SH SOLE 0 0 0 15,360
ISHARES TR US HLTHCARE ETF 464287762 1,063 3,680 SH SOLE 0 0 0 3,680
ISHARES TR CORE S&P SCP ETF 464287804 507 4,698 SH SOLE 0 0 0 4,698
ISHARES TR MRGSTR MD CP VAL 464288406 239 3,467 SH SOLE 0 0 0 3,467
ISHARES TR MSCI EAFE MIN VL 46429B689 2,780 38,534 SH SOLE 0 0 0 38,534
ISHARES TR MSCI USA MIN VOL 46429B697 2,139 27,570 SH SOLE 0 0 0 27,570
LOWES COS INC COM 548661107 506 2,500 SH SOLE 0 0 0 2,500
MASTERCARD INCORPORATED CL A 57636Q104 222 620 SH SOLE 0 0 0 620
MCDONALDS CORP COM 580135101 757 3,060 SH SOLE 0 0 0 3,060
MICROSOFT CORP COM 594918104 961 3,116 SH SOLE 0 0 0 3,116
NIKE INC CL B 654106103 263 1,952 SH SOLE 0 0 0 1,952
NORFOLK SOUTHN CORP COM 655844108 236 828 SH SOLE 0 0 0 828
PALO ALTO NETWORKS INC COM 697435105 347 557 SH SOLE 0 0 0 557
PEPSICO INC COM 713448108 505 3,018 SH SOLE 0 0 0 3,018
PFIZER INC COM 717081103 676 13,051 SH SOLE 0 0 0 13,051
PROCTER AND GAMBLE CO COM 742718109 331 2,165 SH SOLE 0 0 0 2,165
SPDR SER TR AEROSPACE DEF 78464A631 407 3,261 SH SOLE 0 0 0 3,261
SPDR SER TR S&P DIVID ETF 78464A763 5,412 42,242 SH SOLE 0 0 0 42,242
SCHWAB STRATEGIC TR US SML CAP ETF 808524607 475 10,026 SH SOLE 0 0 0 10,026
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797 9,667 122,534 SH SOLE 0 0 0 122,534
SCHWAB STRATEGIC TR US TIPS ETF 808524870 1,543 25,409 SH SOLE 0 0 0 25,409
SELECT SECTOR SPDR TR SBI CONS STPLS 81369Y308 2,822 37,181 SH SOLE 0 0 0 37,181
SYSCO CORP COM 871829107 211 2,585 SH SOLE 0 0 0 2,585
TESLA INC COM 88160R101 377 350 SH SOLE 0 0 0 350
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844 15,801 97,439 SH SOLE 0 0 0 97,439
VANGUARD WORLD FD MEGA GRWTH IND 921910816 311 1,323 SH SOLE 0 0 0 1,323
VANGUARD WORLD FD MEGA CAP VAL ETF 921910840 6,378 59,431 SH SOLE 0 0 0 59,431
VANGUARD BD INDEX FDS INTERMED TERM 921937819 671 8,195 SH SOLE 0 0 0 8,195
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827 32,258 414,096 SH SOLE 0 0 0 414,096
VANGUARD WORLD FDS HEALTH CAR ETF 92204A504 1,796 7,062 SH SOLE 0 0 0 7,062
VANGUARD WORLD FDS INF TECH ETF 92204A702 231 553 SH SOLE 0 0 0 553
VANGUARD WORLD FDS UTILITIES ETF 92204A876 353 2,180 SH SOLE 0 0 0 2,180
VANGUARD INTL EQUITY INDEX F TT WRLD ST ETF 922042742 660 6,520 SH SOLE 0 0 0 6,520
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 247 5,363 SH SOLE 0 0 0 5,363
VANGUARD SCOTTSDALE FDS SHORT TERM TREAS 92206C102 269 4,542 SH SOLE 0 0 0 4,542
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409 6,858 87,824 SH SOLE 0 0 0 87,824
VANGUARD SCOTTSDALE FDS INTER TERM TREAS 92206C706 2,462 39,132 SH SOLE 0 0 0 39,132
VANGUARD SCOTTSDALE FDS INT-TERM CORP 92206C870 223 2,587 SH SOLE 0 0 0 2,587
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 979 2,359 SH SOLE 0 0 0 2,359
VANGUARD INDEX FDS MCAP VL IDXVIP 922908512 1,795 11,994 SH SOLE 0 0 0 11,994
VANGUARD INDEX FDS MCAP GR IDXVIP 922908538 1,929 8,659 SH SOLE 0 0 0 8,659
VANGUARD INDEX FDS SML CP GRW ETF 922908595 775 3,125 SH SOLE 0 0 0 3,125
VANGUARD INDEX FDS SM CP VAL ETF 922908611 1,472 8,369 SH SOLE 0 0 0 8,369
VANGUARD INDEX FDS MID CAP ETF 922908629 1,670 7,022 SH SOLE 0 0 0 7,022
VANGUARD INDEX FDS GROWTH ETF 922908736 3,552 12,350 SH SOLE 0 0 0 12,350
VANGUARD INDEX FDS VALUE ETF 922908744 273 1,849 SH SOLE 0 0 0 1,849
VANGUARD INDEX FDS SMALL CP ETF 922908751 1,703 8,013 SH SOLE 0 0 0 8,013
VICTORY PORTFOLIOS II VCSHS US 500 VOL 92647N766 409 5,527 SH SOLE 0 0 0 5,527
WALMART INC COM 931142103 484 3,251 SH SOLE 0 0 0 3,251