PLANNING ALTERNATIVES LTD /ADV

BIRMINGHAM, MI · CIK 712011 · 13F filing filed 2023-07-18

SEC-registered investment adviser since 1983 · corporation

Assets managed$1.5bn
Staff20 · 9 in investment roles
Main clients (by assets)High net worth individuals 87%, Individuals 9%, Companies 2%
Form ADV · 2026-08-07SEC adviser record

$543.6m reported value +5.8% vs Q1 2023

45positions

89.4%in top 10

0 new 9 added 22 reduced 2 sold out vs Q1 2023

Holdings, Q2 2023

The small lines show how much was held over the last 4 quarters (adjusted for stock splits).

#	Security	Ticker	Shares	Value	% of portfolio	Change	Shares change
1	ISHARES TR CORE S&P500 ETF IVV	IVV	433,660	$193.3m35.56%	35.56%	Added +1.2k	+1,214 0.3%
2	VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT VEA	VEA	1,368,359	$63.2m11.63%	11.63%	Reduced -3.9k	-3,943 -0.3%
3	ISHARES TR CORE S&P MCP ETF IJH	IJH	234,117	$61.2m11.26%	11.26%	Added +2.1k	+2,136 0.9%
4	J P MORGAN EXCHANGE TRADED F JPMORGAN DIVER JPUS	JPUS	517,823	$50.6m9.31%	9.31%	Added +4.4k	+4,431 0.9%
5	VANGUARD SPECIALIZED FUNDS DIV APP ETF VIG	VIG	254,519	$41.3m7.61%	7.61%	Added +403	+403 0.2%
6	ISHARES TR CORE S&P SCP ETF IJR	IJR	299,566	$29.9m5.49%	5.49%	Added +1.4k	+1,424 0.5%
7	SCHWAB STRATEGIC TR INTL EQTY ETF SCHF	SCHF	400,232	$14.3m2.62%	2.62%	Reduced -5.1k	-5,114 -1.3%
8	VANGUARD INDEX FDS GROWTH ETF VUG	VUG	41,798	$11.8m2.18%	2.18%	Reduced -61	-61 -0.1%
9	SPDR S&P 500 ETF TR TR UNIT SPY	SPY	23,098	$10.2m1.88%	1.88%	Added +25	+25 0.1%
10	APPLE INC COM AAPL	AAPL	51,378	$10.0m1.83%	1.83%	Reduced -287	-287 -0.6%
11	SCHWAB STRATEGIC TR US LRG CAP ETF SCHX	SCHX	179,815	$9.4m1.73%	1.73%	Reduced -4.6k	-4,611 -2.5%
12	COLUMBIA ETF TR II EM CORE EX ETF XCEM	XCEM	262,801	$7.5m1.38%	1.38%	Added +7.7k	+7,682 3.0%
13	VANGUARD INDEX FDS VALUE ETF VTV	VTV	52,421	$7.4m1.37%	1.37%	Reduced -941	-941 -1.8%
14	ISHARES U S ETF TR SHORT DURATION B NEAR	NEAR	113,675	$5.7m1.04%	1.04%	Reduced -2.3k	-2,295 -2.0%
15	SCHWAB STRATEGIC TR US BRD MKT ETF SCHB	SCHB	69,368	$3.6m0.66%	0.66%	Reduced -15.2k	-15,154 -17.9%
16	VANGUARD INTL EQUITY INDEX F TT WRLD ST ETF VT	VT	26,657	$2.6m0.48%	0.48%	Added +192	+192 0.7%
17	ISHARES TR ESG AWR MSCI USA ESGU	ESGU	25,929	$2.5m0.46%	0.46%	Unchanged
18	ISHARES TR RUSSELL 3000 ETF IWV	IWV	7,574	$1.9m0.35%	0.35%	Unchanged
19	SCHWAB STRATEGIC TR US DIVIDEND EQ SCHD	SCHD	24,455	$1.8m0.33%	0.33%	Reduced -514	-514 -2.1%
20	MICROSOFT CORP COM MSFT	MSFT	4,841	$1.6m0.30%	0.30%	Reduced -410	-410 -7.8%
21	MONDELEZ INTL INC CL A MDLZ	MDLZ	17,772	$1.3m0.24%	0.24%	Unchanged
22	ISHARES TR RUS 1000 GRW ETF IWF	IWF	3,855	$1.1m0.20%	0.20%	Unchanged
23	ISHARES TR ESG AW MSCI EAFE ESGD	ESGD	14,220	$1.0m0.19%	0.19%	Unchanged
24	ISHARES TR SP SMCP600VL ETF IJS	IJS	10,834	$1.0m0.19%	0.19%	Unchanged
25	GRACO INC COM GGG	GGG	11,436	$987.5k0.18%	0.18%	Reduced -180	-180 -1.6%
26	PHILIP MORRIS INTL INC COM PM	PM	9,717	$948.6k0.17%	0.17%	Unchanged
27	SCHWAB STRATEGIC TR US MID-CAP ETF SCHM	SCHM	10,572	$750.9k0.14%	0.14%	Reduced -1.9k	-1,856 -14.9%
28	ISHARES TR ESG AWARE MSCI ESML	ESML	19,023	$675.7k0.12%	0.12%	Unchanged
29	BERKSHIRE HATHAWAY INC DEL CL B NEW BRK.B	BRK.B	1,753	$597.8k0.11%	0.11%	Reduced -11	-11 -0.6%
30	FORD MTR CO COM F	F	39,451	$596.9k0.11%	0.11%	Unchanged
31	ISHARES TR CORE MSCI EAFE IEFA	IEFA	8,295	$559.9k0.10%	0.10%	Reduced -699	-699 -7.8%
32	MORNINGSTAR INC COM MORN	MORN	2,205	$432.3k0.08%	0.08%	Reduced -65	-65 -2.9%
33	INTERNATIONAL BUSINESS MACHS COM IBM	IBM	3,027	$405.1k0.07%	0.07%	Reduced -397	-397 -11.6%
34	SCHWAB STRATEGIC TR US SML CAP ETF SCHA	SCHA	8,240	$360.9k0.07%	0.07%	Reduced -134	-134 -1.6%
35	ILLINOIS TOOL WKS INC COM ITW	ITW	1,227	$306.9k0.06%	0.06%	Unchanged
36	ISHARES TR CORE DIV GRWTH DGRO	DGRO	5,899	$304.0k0.06%	0.06%	Reduced -80	-80 -1.3%
37	PROCTER AND GAMBLE CO COM PG	PG	2,002	$303.7k0.06%	0.06%	Unchanged
38	NEW YORK CMNTY BANCORP INC COM COM		26,678	$299.9k0.06%	0.06%	Reduced -290	-290 -1.1%
39	STRYKER CORPORATION COM SYK	SYK	982	$299.6k0.06%	0.06%	Unchanged
40	CHEVRON CORP NEW COM CVX	CVX	1,763	$277.4k0.05%	0.05%	Reduced -46	-46 -2.5%
41	HONEYWELL INTL INC COM COM		1,216	$252.3k0.05%	0.05%	Unchanged
42	LULULEMON ATHLETICA INC COM LULU	LULU	634	$240.0k0.04%	0.04%	Reduced -200	-200 -24.0%
43	MCDONALDS CORP COM MCD	MCD	758	$226.2k0.04%	0.04%	Unchanged
44	J P MORGAN EXCHANGE TRADED F ULTRA SHRT ETF JPST	JPST	4,157	$208.4k0.04%	0.04%	Reduced -2.0k	-1,997 -32.5%
45	INVESCO MUN OPPORTUNITY TR COM VMO	VMO	21,000	$198.7k0.04%	0.04%	Added +1.0k	+1,000 5.0%

Sold out since Q1 2023

Security	Ticker	Shares held before	Value then
VANGUARD INDEX FDS VOO	VOO	532	$200.1k532 shares
DNP SELECT INCOME FD INC DNP	DNP	14,289	$157.5k14.3k shares