PLANNING ALTERNATIVES LTD /ADV

BIRMINGHAM, MI · CIK 712011 · 13F filing filed 2025-08-12

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

$718.6m reported value +10.2% vs Q1 2025

80positions

87.0%in top 10

9 new 21 added 40 reduced 5 sold out vs Q1 2025

Holdings, Q2 2025

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	420,164	$260.9m36.30%	36.30%	Added +2.3k	+2,251 0.5%
2	ISHARES TR CORE S&P MCP ETF IJH	IJH	1,261,373	$78.2m10.89%	10.89%	Added +22.2k	+22,208 1.8%
3	VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT VEA	VEA	1,284,284	$73.2m10.19%	10.19%	Reduced -18.6k	-18,606 -1.4%
4	INVESCO EXCH TRADED FD TR II S&P 500 MOMNTM SPMO	SPMO	592,909	$66.7m9.28%	9.28%	Added +235.9k	+235,934 66.1%
5	VANGUARD SPECIALIZED FUNDS DIV APP ETF VIG	VIG	267,604	$54.8m7.62%	7.62%	Added +1.9k	+1,877 0.7%
6	ISHARES TR CORE S&P SCP ETF IJR	IJR	345,199	$37.7m5.25%	5.25%	Added +12.1k	+12,058 3.6%
7	VANGUARD INDEX FDS GROWTH ETF VUG	VUG	37,741	$16.5m2.30%	2.30%	Reduced -1.9k	-1,907 -4.8%
8	SCHWAB STRATEGIC TR INTL EQTY ETF SCHF	SCHF	692,866	$15.3m2.13%	2.13%	Reduced -25.8k	-25,774 -3.6%
9	COLUMBIA ETF TR II EM CORE EX ETF XCEM	XCEM	324,394	$11.1m1.54%	1.54%	Reduced -1.8k	-1,775 -0.5%
10	APPLE INC COM AAPL	AAPL	54,010	$11.1m1.54%	1.54%	Reduced -4.4k	-4,407 -7.5%
11	SPDR S&P 500 ETF TR TR UNIT SPY	SPY	17,830	$11.0m1.53%	1.53%	Reduced -579	-579 -3.1%
12	SCHWAB STRATEGIC TR US LRG CAP ETF SCHX	SCHX	378,230	$9.2m1.29%	1.29%	Reduced -9.0k	-9,014 -2.3%
13	VANGUARD INDEX FDS VALUE ETF VTV	VTV	48,287	$8.5m1.19%	1.19%	Reduced -1.6k	-1,578 -3.2%
14	ISHARES TR ESG AWR MSCI USA ESGU	ESGU	31,453	$4.3m0.59%	0.59%	Added +177	+177 0.6%
15	SCHWAB STRATEGIC TR US BRD MKT ETF SCHB	SCHB	167,388	$4.0m0.56%	0.56%	Added +19.2k	+19,238 13.0%
16	VANGUARD INDEX FDS S&P 500 ETF SHS VOO	VOO	6,906	$3.9m0.55%	0.55%	Added +631	+631 10.1%
17	MICROSOFT CORP COM MSFT	MSFT	7,604	$3.8m0.53%	0.53%	Reduced -117	-117 -1.5%
18	ISHARES TR RUSSELL 3000 ETF IWV	IWV	7,673	$2.7m0.37%	0.37%	Unchanged
19	J P MORGAN EXCHANGE TRADED F JPMORGAN DIVER JPUS	JPUS	21,694	$2.6m0.36%	0.36%	Reduced -214.4k	-214,424 -90.8%
20	VANGUARD BD INDEX FDS TOTAL BND MRKT BND	BND	31,024	$2.3m0.32%	0.32%	Added +22.6k	+22,644 270.2%
21	DTE ENERGY CO COM DTE	DTE	15,581	$2.1m0.29%	0.29%	Unchanged
22	PHILIP MORRIS INTL INC COM PM	PM	10,436	$1.9m0.26%	0.26%	Added +263	+263 2.6%
23	ISHARES TR ESG AWR US AGRGT EAGG	EAGG	39,504	$1.9m0.26%	0.26%	Reduced -3.7k	-3,748 -8.7%
24	NVIDIA CORPORATION COM NVDA	NVDA	11,238	$1.8m0.25%	0.25%	Added +359	+359 3.3%
25	SCHWAB STRATEGIC TR US DIVIDEND EQ SCHD	SCHD	63,119	$1.7m0.23%	0.23%	Reduced -1.5k	-1,484 -2.3%
26	ISHARES TR RUS 1000 GRW ETF IWF	IWF	3,855	$1.6m0.23%	0.23%	Unchanged
27	ISHARES TR ESG AW MSCI EAFE ESGD	ESGD	15,891	$1.4m0.20%	0.20%	Reduced -385	-385 -2.4%
28	BERKSHIRE HATHAWAY INC DEL CL B NEW BRK.B	BRK.B	2,830	$1.4m0.19%	0.19%	Reduced -91	-91 -3.1%
29	AMAZON COM INC COM AMZN	AMZN	5,284	$1.2m0.16%	0.16%	Reduced -397	-397 -7.0%
30	ISHARES U S ETF TR SHORT DURATION B NEAR	NEAR	21,997	$1.1m0.16%	0.16%	Unchanged
31	COMPASS INC CL A COMP	COMP	169,560	$1.1m0.15%	0.15%	Reduced -11.0k	-11,026 -6.1%
32	ISHARES TR ESG AWARE MSCI ESML	ESML	24,891	$1.0m0.14%	0.14%	Reduced -283	-283 -1.1%
33	INTERNATIONAL BUSINESS MACHS COM IBM	IBM	3,464	$1.0m0.14%	0.14%	Added +595	+595 20.7%
34	ISHARES TR SP SMCP600VL ETF IJS	IJS	10,251	$1.0m0.14%	0.14%	Unchanged
35	MONDELEZ INTL INC CL A MDLZ	MDLZ	13,584	$916.1k0.13%	0.13%	Added +727	+727 5.7%
36	META PLATFORMS INC CL A META	META	1,205	$889.4k0.12%	0.12%	Reduced -14	-14 -1.1%
37	ISHARES BITCOIN TRUST ETF SHS BEN INT IBIT	IBIT	14,489	$886.9k0.12%	0.12%	Added +279	+279 2.0%
38	MORNINGSTAR INC COM MORN	MORN	2,392	$750.9k0.10%	0.10%	Reduced -15	-15 -0.6%
39	JPMORGAN CHASE & CO COM JPM	JPM	2,551	$739.6k0.10%	0.10%	Added +1.6k	+1,575 161.4%
40	GRACO INC COM GGG	GGG	8,436	$725.2k0.10%	0.10%	Reduced -400	-400 -4.5%
41	ISHARES TR NATIONAL MUN ETF MUB	MUB	6,873	$718.1k0.10%	0.10%	New
42	SCHWAB STRATEGIC TR US MID-CAP ETF SCHM	SCHM	25,319	$710.2k0.10%	0.10%	Reduced -178	-178 -0.7%
43	INVESCO MUN OPPORTUNITY TR COM VMO	VMO	73,000	$670.1k0.09%	0.09%	Unchanged
44	VANGUARD INDEX FDS TOTAL STK MKT VTI	VTI	2,185	$664.1k0.09%	0.09%	Added +1.1k	+1,070 96.0%
45	LAM RESEARCH CORP COM NEW LRCX	LRCX	6,652	$647.5k0.09%	0.09%	Added +802	+802 13.7%
46	BROADCOM INC COM AVGO	AVGO	2,138	$589.3k0.08%	0.08%	New
47	TESLA INC COM TSLA	TSLA	1,849	$587.4k0.08%	0.08%	Reduced -44	-44 -2.3%
48	ELI LILLY & CO COM LLY	LLY	732	$570.6k0.08%	0.08%	Reduced -148	-148 -16.8%
49	ISHARES TR CORE MSCI EAFE IEFA	IEFA	6,631	$553.6k0.08%	0.08%	Reduced -42	-42 -0.6%
50	CATERPILLAR INC COM CAT	CAT	1,374	$533.4k0.07%	0.07%	Added +7	+7 0.5%
51	INVESCO QQQ TR UNIT SER 1 QQQ	QQQ	873	$481.4k0.07%	0.07%	Unchanged
52	VISA INC COM CL A V	V	1,292	$458.7k0.06%	0.06%	Reduced -21	-21 -1.6%
53	FORD MTR CO COM F	F	41,913	$454.8k0.06%	0.06%	Unchanged
54	ALPHABET INC CAP STK CL A GOOGL	GOOGL	2,575	$453.8k0.06%	0.06%	Reduced -427	-427 -14.2%
55	HONEYWELL INTL INC COM COM		1,936	$450.9k0.06%	0.06%	Reduced -56	-56 -2.8%
56	NETFLIX INC COM NFLX	NFLX	328	$439.2k0.06%	0.06%	Reduced -1	-1 -0.3%
57	PROCTER AND GAMBLE CO COM PG	PG	2,454	$390.9k0.05%	0.05%	Added +386	+386 18.7%
58	ISHARES TR CORE S&P TTL STK ITOT	ITOT	2,847	$384.5k0.05%	0.05%	Added +49	+49 1.8%
59	SCHWAB STRATEGIC TR US SML CAP ETF SCHA	SCHA	14,675	$371.3k0.05%	0.05%	Reduced -65	-65 -0.4%
60	TEXAS INSTRS INC COM TXN	TXN	1,787	$370.9k0.05%	0.05%	Reduced -11	-11 -0.6%
61	ILLINOIS TOOL WKS INC COM ITW	ITW	1,447	$357.8k0.05%	0.05%	Reduced -14	-14 -1.0%
62	ALPHABET INC CAP STK CL C GOOG	GOOG	1,907	$338.3k0.05%	0.05%	Reduced -306	-306 -13.8%
63	ISHARES TR CORE DIV GRWTH DGRO	DGRO	5,244	$335.3k0.05%	0.05%	Reduced -61	-61 -1.1%
64	INTUIT COM INTU	INTU	424	$334.3k0.05%	0.05%	Reduced -22	-22 -4.9%
65	CHEVRON CORP NEW COM CVX	CVX	2,251	$322.3k0.04%	0.04%	Reduced -797	-797 -26.1%
66	ABBVIE INC COM ABBV	ABBV	1,567	$290.9k0.04%	0.04%	Reduced -395	-395 -20.1%
67	COSTCO WHSL CORP NEW COM COST	COST	293	$290.1k0.04%	0.04%	Added +4	+4 1.4%
68	AMERICAN EXPRESS CO COM AXP	AXP	869	$277.3k0.04%	0.04%	Reduced -189	-189 -17.9%
69	EXXON MOBIL CORP COM XOM	XOM	2,552	$275.1k0.04%	0.04%	New
70	ISHARES TR RUS 1000 VAL ETF IWD	IWD	1,373	$266.7k0.04%	0.04%	Unchanged
71	MASTERCARD INCORPORATED CL A MA	MA	414	$232.6k0.03%	0.03%	New
72	DISNEY WALT CO COM DIS	DIS	1,870	$231.9k0.03%	0.03%	New
73	ISHARES TR S&P 500 GRWT ETF IVW	IVW	2,063	$227.1k0.03%	0.03%	New
74	LINDE PLC SHS LIN	LIN	482	$226.1k0.03%	0.03%	Reduced -76	-76 -13.6%
75	CISCO SYS INC COM CSCO	CSCO	3,199	$221.9k0.03%	0.03%	Reduced -2.3k	-2,306 -41.9%
76	GLOBAL X FDS S&P 500 CATHOLIC CATH	CATH	2,874	$216.8k0.03%	0.03%	New
77	J P MORGAN EXCHANGE TRADED F ULTRA SHRT ETF JPST	JPST	4,157	$210.7k0.03%	0.03%	Unchanged
78	MCDONALDS CORP COM MCD	MCD	719	$210.1k0.03%	0.03%	Reduced -65	-65 -8.3%
79	GE AEROSPACE COM NEW GE	GE	805	$207.2k0.03%	0.03%	New
80	AT&T INC COM T	T	7,144	$206.8k0.03%	0.03%	New

Sold out since Q1 2025

Security	Ticker	Shares held before	Value then
HOME DEPOT INC HD	HD	1,067	$391.0k1.1k shares
SALESFORCE INC CRM	CRM	1,304	$349.9k1.3k shares
BANK AMERICA CORP BAC	BAC	6,117	$255.3k6.1k shares
THERMO FISHER SCIENTIFIC INC TMO	TMO	507	$252.3k507 shares
STRYKER CORPORATION SYK	SYK	540	$201.0k540 shares