PLANNING ALTERNATIVES LTD /ADV

BIRMINGHAM, MI · CIK 712011 · 13F filing filed 2024-07-25

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

$617.6m reported value +1.5% vs Q1 2024

58positions

88.8%in top 10

10 new 22 added 16 reduced 1 sold out vs Q1 2024

Holdings, Q2 2024

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	414,074	$226.6m36.69%	36.69%	Reduced -2.5k	-2,463 -0.6%
2	ISHARES TR CORE S&P MCP ETF IJH	IJH	1,172,528	$68.6m11.11%	11.11%	Added +10.7k	+10,650 0.9%
3	VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT VEA	VEA	1,353,629	$66.9m10.83%	10.83%	Added +3.4k	+3,351 0.2%
4	J P MORGAN EXCHANGE TRADED F JPMORGAN DIVER JPUS	JPUS	516,746	$56.4m9.14%	9.14%	Added +493	+493 0.1%
5	VANGUARD SPECIALIZED FUNDS DIV APP ETF VIG	VIG	252,354	$46.1m7.46%	7.46%	Added +93	+93 0.0%
6	ISHARES TR CORE S&P SCP ETF IJR	IJR	305,083	$32.5m5.27%	5.27%	Added +4.8k	+4,796 1.6%
7	VANGUARD INDEX FDS GROWTH ETF VUG	VUG	40,501	$15.1m2.45%	2.45%	Reduced -32	-32 -0.1%
8	SCHWAB STRATEGIC TR INTL EQTY ETF SCHF	SCHF	381,877	$14.7m2.38%	2.38%	Reduced -2.5k	-2,455 -0.6%
9	APPLE INC COM AAPL	AAPL	53,189	$11.2m1.81%	1.81%	Added +992	+992 1.9%
10	SPDR S&P 500 ETF TR TR UNIT SPY	SPY	19,204	$10.5m1.69%	1.69%	Reduced -1.7k	-1,739 -8.3%
11	SCHWAB STRATEGIC TR US LRG CAP ETF SCHX	SCHX	155,962	$10.0m1.62%	1.62%	Reduced -9.0k	-8,999 -5.5%
12	COLUMBIA ETF TR II EM CORE EX ETF XCEM	XCEM	271,452	$8.7m1.40%	1.40%	Added +4.4k	+4,394 1.6%
13	VANGUARD INDEX FDS VALUE ETF VTV	VTV	51,526	$8.3m1.34%	1.34%	Reduced -117	-117 -0.2%
14	SCHWAB STRATEGIC TR US BRD MKT ETF SCHB	SCHB	58,249	$3.7m0.59%	0.59%	Reduced -100	-100 -0.2%
15	ISHARES TR ESG AWR MSCI USA ESGU	ESGU	26,882	$3.2m0.52%	0.52%	Added +700	+700 2.7%
16	VANGUARD INTL EQUITY INDEX F TT WRLD ST ETF VT	VT	27,026	$3.0m0.49%	0.49%	Added +137	+137 0.5%
17	VANGUARD INDEX FDS S&P 500 ETF SHS VOO	VOO	5,864	$2.9m0.47%	0.47%	Added +1.4k	+1,432 32.3%
18	ISHARES U S ETF TR SHORT DURATION B NEAR	NEAR	48,506	$2.4m0.40%	0.40%	Reduced -13.8k	-13,767 -22.1%
19	ISHARES TR RUSSELL 3000 ETF IWV	IWV	7,770	$2.4m0.39%	0.39%	Reduced -56	-56 -0.7%
20	MICROSOFT CORP COM MSFT	MSFT	5,294	$2.4m0.38%	0.38%	Reduced -25	-25 -0.5%
21	SCHWAB STRATEGIC TR US DIVIDEND EQ SCHD	SCHD	23,301	$1.8m0.29%	0.29%	Reduced -178	-178 -0.8%
22	DTE ENERGY CO COM DTE	DTE	15,433	$1.7m0.28%	0.28%	Unchanged
23	ISHARES TR RUS 1000 GRW ETF IWF	IWF	3,855	$1.4m0.23%	0.23%	Unchanged
24	ISHARES TR ESG AW MSCI EAFE ESGD	ESGD	15,147	$1.2m0.19%	0.19%	Added +630	+630 4.3%
25	ISHARES TR SP SMCP600VL ETF IJS	IJS	10,715	$1.0m0.17%	0.17%	Unchanged
26	PHILIP MORRIS INTL INC COM PM	PM	9,762	$989.2k0.16%	0.16%	Added +45	+45 0.5%
27	BERKSHIRE HATHAWAY INC DEL CL B NEW BRK.B	BRK.B	2,338	$951.1k0.15%	0.15%	Added +725	+725 45.0%
28	MONDELEZ INTL INC CL A MDLZ	MDLZ	12,857	$841.4k0.14%	0.14%	Unchanged
29	ISHARES TR ESG AWARE MSCI ESML	ESML	20,432	$786.6k0.13%	0.13%	Added +972	+972 5.0%
30	SCHWAB STRATEGIC TR US MID-CAP ETF SCHM	SCHM	9,007	$701.0k0.11%	0.11%	Reduced -33	-33 -0.4%
31	GRACO INC COM GGG	GGG	8,836	$700.5k0.11%	0.11%	Unchanged
32	MORNINGSTAR INC COM MORN	MORN	2,205	$652.4k0.11%	0.11%	Unchanged
33	LAM RESEARCH CORP COM COM		585	$622.9k0.10%	0.10%	Unchanged
34	COMPASS INC CL A COMP	COMP	163,665	$589.2k0.10%	0.10%	Added +22.7k	+22,732 16.1%
35	VANGUARD BD INDEX FDS TOTAL BND MRKT BND	BND	8,103	$583.9k0.09%	0.09%	New
36	ISHARES TR CORE MSCI EAFE IEFA	IEFA	7,620	$553.5k0.09%	0.09%	Reduced -518	-518 -6.4%
37	FORD MTR CO COM F	F	42,360	$531.2k0.09%	0.09%	Added +1.8k	+1,846 4.6%
38	INTERNATIONAL BUSINESS MACHS COM IBM	IBM	2,880	$498.1k0.08%	0.08%	Added +11	+11 0.4%
39	ELI LILLY & CO COM LLY	LLY	543	$491.6k0.08%	0.08%	Added +96	+96 21.5%
40	INVESCO QQQ TR UNIT SER 1 QQQ	QQQ	873	$418.1k0.07%	0.07%	New
41	INVESCO MUN OPPORTUNITY TR COM VMO	VMO	39,000	$393.1k0.06%	0.06%	Added +10.0k	+10,000 34.5%
42	SCHWAB STRATEGIC TR US SML CAP ETF SCHA	SCHA	8,101	$384.4k0.06%	0.06%	Reduced -128	-128 -1.6%
43	CATERPILLAR INC COM CAT	CAT	985	$327.9k0.05%	0.05%	New
44	ISHARES TR CORE DIV GRWTH DGRO	DGRO	5,450	$314.0k0.05%	0.05%	Reduced -55	-55 -1.0%
45	AMAZON COM INC COM AMZN	AMZN	1,619	$312.9k0.05%	0.05%	Added +385	+385 31.2%
46	PROCTER AND GAMBLE CO COM PG	PG	1,872	$308.7k0.05%	0.05%	Reduced -214	-214 -10.3%
47	DEXCOM INC COM DXCM	DXCM	2,669	$302.6k0.05%	0.05%	New
48	FIRST TR EXCHNG TRADED FD VI TCW OPPORTUNIS FIXD	FIXD	6,841	$294.5k0.05%	0.05%	New
49	ILLINOIS TOOL WKS INC COM ITW	ITW	1,236	$292.9k0.05%	0.05%	Added +9	+9 0.7%
50	HONEYWELL INTL INC COM COM		1,325	$282.9k0.05%	0.05%	Unchanged
51	CHEVRON CORP NEW COM CVX	CVX	1,785	$279.2k0.05%	0.05%	Added +22	+22 1.2%
52	PNC FINL SVCS GROUP INC COM PNC	PNC	1,688	$262.5k0.04%	0.04%	Unchanged
53	NVIDIA CORPORATION COM NVDA	NVDA	1,740	$214.9k0.03%	0.03%	New
54	COSTCO WHSL CORP NEW COM COST	COST	250	$212.5k0.03%	0.03%	New
55	J P MORGAN EXCHANGE TRADED F ULTRA SHRT ETF JPST	JPST	4,157	$209.8k0.03%	0.03%	Unchanged
56	TEXAS INSTRS INC COM TXN	TXN	1,077	$209.4k0.03%	0.03%	New
57	JPMORGAN CHASE & CO COM JPM	JPM	1,009	$204.1k0.03%	0.03%	New
58	SOUNDHOUND AI INC CLASS A COM SOUN	SOUN	32,684	$129.1k0.02%	0.02%	New

Sold out since Q1 2024

Security	Ticker	Shares held before	Value then
GLOBAL X FDS CATH	CATH	3,198	$203.5k3.2k shares