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: 06-30-2022
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: Investments & Financial Planning, LLC
Address: 1795 ALYSHEBA WAY
SUITE 7104
LEXINGTON , KY40509
Form 13F File Number: 028-21779

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: DAVID B SHORT
Title: CCO
Phone: 8595438188
Signature, Place, and Date of Signing:
DAVID B SHORT Lexington , KY 08-11-2022
[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: 34
Form 13F Information Table Value Total: 97,064
(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
APPLE INC COM 037833100 376 2,748 SH SOLE 0 0 0 2,748
CAPITAL GROUP GROWTH ETF SHS CREATION UNI 14020G101 242 12,139 SH SOLE 0 0 0 12,139
ISHARES INC MSCI WORLD ETF 464286392 578 5,405 SH SOLE 0 0 0 5,405
ISHARES TR NATIONAL MUN ETF 464288414 653 6,137 SH SOLE 0 0 0 6,137
ISHARES TR IBOXX INV CP ETF 464287242 880 7,998 SH SOLE 0 0 0 7,998
ISHARES TR SHRT NAT MUN ETF 464288158 359 3,427 SH SOLE 0 0 0 3,427
ISHARES TR 0-5YR HI YL CP 46434V407 1,155 28,479 SH SOLE 0 0 0 28,479
ISHARES TR CORE S&P MCP ETF 464287507 16,710 73,865 SH SOLE 0 0 0 73,865
ISHARES TR RUS MD CP GR ETF 464287481 1,830 23,099 SH SOLE 0 0 0 23,099
ISHARES TR U.S. REAL ES ETF 464287739 2,078 22,594 SH SOLE 0 0 0 22,594
MICROSOFT CORP COM 594918104 275 1,070 SH SOLE 0 0 0 1,070
NVIDIA CORPORATION COM 67066G104 363 2,393 SH SOLE 0 0 0 2,393
SPDR INDEX SHS FDS PORTFOLIO DEVLPD 78463X889 461 15,994 SH SOLE 0 0 0 15,994
SPDR INDEX SHS FDS PORTFOLIO EMG MK 78463X509 241 6,938 SH SOLE 0 0 0 6,938
SPDR SER TR PRTFLO S&P500 GW 78464A409 18,776 359,143 SH SOLE 0 0 0 359,143
SPDR SER TR PRTFLO S&P500 VL 78464A508 337 9,143 SH SOLE 0 0 0 9,143
SPDR SER TR BLOOMBERG HIGH Y 78468R622 266 2,932 SH SOLE 0 0 0 2,932
SPDR SER TR PORTFOLIO AGRGTE 78464A649 493 18,713 SH SOLE 0 0 0 18,713
SPDR SER TR PORTFOLIO S&P500 78464A854 936 21,105 SH SOLE 0 0 0 21,105
TESLA INC COM 88160R101 927 1,377 SH SOLE 0 0 0 1,377
VANGUARD BD INDEX FDS INTERMED TERM 921937819 2,452 31,582 SH SOLE 0 0 0 31,582
VANGUARD CHARLOTTE FDS TOTAL INT BD ETF 92203J407 5,368 108,355 SH SOLE 0 0 0 108,355
VANGUARD INDEX FDS SM CP VAL ETF 922908611 4,826 32,211 SH SOLE 0 0 0 32,211
VANGUARD INDEX FDS SMALL CP ETF 922908751 15,691 89,095 SH SOLE 0 0 0 89,095
VANGUARD INDEX FDS MCAP VL IDXVIP 922908512 4,581 35,371 SH SOLE 0 0 0 35,371
VANGUARD INDEX FDS MID CAP ETF 922908629 591 2,998 SH SOLE 0 0 0 2,998
VANGUARD INDEX FDS SML CP GRW ETF 922908595 440 2,235 SH SOLE 0 0 0 2,235
VANGUARD INDEX FDS GROWTH ETF 922908736 1,057 4,743 SH SOLE 0 0 0 4,743
VANGUARD INDEX FDS VALUE ETF 922908744 1,328 10,072 SH SOLE 0 0 0 10,072
VANGUARD INTL EQUITY INDEX F TT WRLD ST ETF 922042742 6,658 78,017 SH SOLE 0 0 0 78,017
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 279 6,689 SH SOLE 0 0 0 6,689
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409 4,990 65,428 SH SOLE 0 0 0 65,428
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844 267 1,864 SH SOLE 0 0 0 1,864
VANGUARD WHITEHALL FDS EM MK GOV BD ETF 921946885 600 9,783 SH SOLE 0 0 0 9,783