PLANNING ALTERNATIVES LTD /ADV

BIRMINGHAM, MI · CIK 712011 · 13F filing filed 2026-08-12

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

$932.6m reported value +20.4% vs Q1 2026

129positions

83.9%in top 10

26 new 59 added 34 reduced 8 sold out vs Q1 2026

Holdings, Q2 2026

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	415,929	$311.5m33.40%	33.40%	Added +340	+340 0.1%
2	INVESCO EXCH TRADED FD TR II S&P 500 MOMNTM SPMO	SPMO	751,352	$121.4m13.01%	13.01%	Added +6.9k	+6,943 0.9%
3	ISHARES TR CORE S&P MCP ETF IJH	IJH	1,307,580	$100.8m10.81%	10.81%	Added +7.8k	+7,827 0.6%
4	VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT VEA	VEA	1,250,803	$89.1m9.56%	9.56%	Added +10.6k	+10,599 0.8%
5	ISHARES TR CORE S&P SCP ETF IJR	IJR	354,167	$52.5m5.63%	5.63%	Added +1.5k	+1,463 0.4%
6	INVESCO EXCH TRADED FD TR II S&P INTL MOMNT IDMO	IDMO	503,718	$30.4m3.26%	3.26%	Added +20.7k	+20,740 4.3%
7	COLUMBIA ETF TR II EM CORE EX ETF XCEM	XCEM	391,645	$20.7m2.22%	2.22%	Added +6.6k	+6,612 1.7%
8	APPLE INC COM AAPL	AAPL	67,560	$19.5m2.10%	2.10%	Added +2.4k	+2,380 3.6%
9	VANGUARD INDEX FDS GROWTH ETF VUG	VUG	214,634	$18.5m1.98%	1.98%	Reduced -2.0k	-1,990 -0.9%
10	SCHWAB STRATEGIC TR INTL EQTY ETF SCHF	SCHF	659,973	$18.3m1.96%	1.96%	Reduced -7.3k	-7,301 -1.1%
11	SPDR S&P 500 ETF TR TR UNIT SPY	SPY	16,006	$12.0m1.28%	1.28%	Reduced -359	-359 -2.2%
12	VANGUARD INDEX FDS VALUE ETF VTV	VTV	44,913	$9.8m1.05%	1.05%	Reduced -1.3k	-1,285 -2.8%
13	SCHWAB STRATEGIC TR US LRG CAP ETF SCHX	SCHX	328,089	$9.7m1.04%	1.04%	Reduced -14.2k	-14,209 -4.2%
14	WELLS FARGO CO NEW COM WFC	WFC	94,776	$7.8m0.84%	0.84%	New
15	NVIDIA CORPORATION COM NVDA	NVDA	28,742	$5.8m0.62%	0.62%	Added +3.5k	+3,550 14.1%
16	ISHARES TR ESG AWR MSCI USA ESGU	ESGU	32,609	$5.3m0.57%	0.57%	Added +49	+49 0.1%
17	VANGUARD INDEX FDS S&P 500 ETF SHS VOO	VOO	7,209	$5.0m0.53%	0.53%	Reduced -63	-63 -0.9%
18	MICROSOFT CORP COM MSFT	MSFT	11,924	$4.4m0.48%	0.48%	Added +2.2k	+2,233 23.0%
19	SCHWAB STRATEGIC TR US BRD MKT ETF SCHB	SCHB	144,057	$4.2m0.45%	0.45%	Reduced -13.9k	-13,914 -8.8%
20	VANGUARD SPECIALIZED FUNDS DIV APP ETF VIG	VIG	16,745	$4.0m0.42%	0.42%	Reduced -2.1k	-2,138 -11.3%
21	LAM RESEARCH CORP COM NEW LRCX	LRCX	7,747	$3.4m0.36%	0.36%	Added +212	+212 2.8%
22	ISHARES TR RUSSELL 3000 ETF IWV	IWV	7,516	$3.2m0.34%	0.34%	Reduced -40	-40 -0.5%
23	DTE ENERGY CO COM DTE	DTE	16,203	$2.5m0.26%	0.26%	Added +549	+549 3.5%
24	ALPHABET INC CAP STK CL A GOOGL	GOOGL	6,903	$2.5m0.26%	0.26%	Added +1.3k	+1,315 23.5%
25	ISHARES TR ESG AWR US AGRGT EAGG	EAGG	48,782	$2.3m0.25%	0.25%	Added +520	+520 1.1%
26	AMAZON COM INC COM AMZN	AMZN	9,405	$2.2m0.24%	0.24%	Added +728	+728 8.4%
27	ISHARES TR RUS 1000 GRW ETF IWF	IWF	16,252	$2.0m0.22%	0.22%	Added +832	+832 5.4%
28	ISHARES TR ESG AW MSCI EAFE ESGD	ESGD	19,007	$2.0m0.21%	0.21%	Added +89	+89 0.5%
29	PHILIP MORRIS INTL INC COM PM	PM	10,749	$1.9m0.21%	0.21%	Added +632	+632 6.2%
30	BROADCOM INC COM AVGO	AVGO	5,147	$1.9m0.21%	0.21%	Added +661	+661 14.7%
31	CATERPILLAR INC COM CAT	CAT	1,798	$1.9m0.21%	0.21%	Added +24	+24 1.4%
32	VANGUARD BD INDEX FDS TOTAL BND MRKT BND	BND	24,267	$1.8m0.19%	0.19%	Reduced -1	-1 0.0%
33	ALPHABET INC CAP STK CL C GOOG	GOOG	5,004	$1.8m0.19%	0.19%	Added +924	+924 22.6%
34	BERKSHIRE HATHAWAY INC DEL CL B NEW BRK.B	BRK.B	3,417	$1.7m0.18%	0.18%	Added +465	+465 15.8%
35	ISHARES BITCOIN TRUST ETF SHS BEN INT IBIT	IBIT	47,435	$1.6m0.17%	0.17%	Unchanged
36	ELI LILLY & CO COM LLY	LLY	1,266	$1.5m0.16%	0.16%	Added +284	+284 28.9%
37	ISHARES TR ESG AWARE MSCI ESML	ESML	26,808	$1.5m0.16%	0.16%	Reduced -6	-6 -0.0%
38	ISHARES TR NATIONAL MUN ETF MUB	MUB	13,501	$1.5m0.16%	0.16%	Unchanged
39	ISHARES TR SP SMCP600VL ETF IJS	IJS	10,251	$1.4m0.15%	0.15%	Unchanged
40	JPMORGAN CHASE & CO COM JPM	JPM	4,236	$1.4m0.15%	0.15%	Added +251	+251 6.3%
41	ISHARES TR CORE MSCI EAFE IEFA	IEFA	14,039	$1.4m0.15%	0.15%	Reduced -178	-178 -1.2%
42	ISHARES U S ETF TR SHORT DURATION B NEAR	NEAR	21,997	$1.1m0.12%	0.12%	Unchanged
43	J P MORGAN EXCHANGE TRADED F JPMORGAN DIVER JPUS	JPUS	7,922	$1.1m0.12%	0.12%	Reduced -601	-601 -7.0%
44	TESLA INC COM TSLA	TSLA	2,591	$1.1m0.12%	0.12%	Added +143	+143 5.8%
45	MICRON TECHNOLOGY INC COM MU	MU	931	$1.1m0.12%	0.12%	Added +240	+240 34.7%
46	INVESCO MUN OPPORTUNITY TR COM VMO	VMO	103,000	$1.0m0.11%	0.11%	Unchanged
47	INTERNATIONAL BUSINESS MACHS COM IBM	IBM	3,594	$1.0m0.11%	0.11%	Added +169	+169 4.9%
48	APPLIED MATLS INC COM AMAT	AMAT	1,266	$915.3k0.10%	0.10%	Added +143	+143 12.7%
49	VISA INC COM CL A V	V	2,663	$913.6k0.10%	0.10%	Added +2.0k	+1,957 277.2%
50	ADVANCED MICRO DEVICES INC COM AMD	AMD	1,553	$902.4k0.10%	0.10%	Added +474	+474 43.9%
51	JOHNSON & JOHNSON COM JNJ	JNJ	3,514	$892.4k0.10%	0.10%	Added +95	+95 2.8%
52	META PLATFORMS INC CL A META	META	1,529	$861.3k0.09%	0.09%	Reduced -627	-627 -29.1%
53	SCHWAB STRATEGIC TR US MID-CAP ETF SCHM	SCHM	22,540	$831.0k0.09%	0.09%	Reduced -1.3k	-1,257 -5.3%
54	MONDELEZ INTL INC CL A MDLZ	MDLZ	14,097	$815.4k0.09%	0.09%	Added +310	+310 2.2%
55	CISCO SYS INC COM CSCO	CSCO	6,732	$790.7k0.08%	0.08%	Added +1.1k	+1,147 20.5%
56	VANGUARD INDEX FDS TOTAL STK MKT VTI	VTI	2,055	$760.4k0.08%	0.08%	Reduced -764	-764 -27.1%
57	ABBVIE INC COM ABBV	ABBV	2,879	$724.5k0.08%	0.08%	Added +242	+242 9.2%
58	INTEL CORP COM INTC	INTC	5,063	$707.0k0.08%	0.08%	Added +206	+206 4.2%
59	TEXAS INSTRS INC COM TXN	TXN	2,206	$657.4k0.07%	0.07%	Added +226	+226 11.4%
60	INVESCO QQQ TR UNIT SER 1 QQQ	QQQ	891	$655.9k0.07%	0.07%	Unchanged
61	LINDE PLC SHS LIN	LIN	1,259	$653.3k0.07%	0.07%	Added +125	+125 11.0%
62	COSTCO WHSL CORP NEW COM COST	COST	683	$638.9k0.07%	0.07%	Reduced -136	-136 -16.6%
63	HOME DEPOT INC COM HD	HD	1,761	$621.1k0.07%	0.07%	Added +1.1k	+1,114 172.2%
64	COMPASS INC CL A COMP	COMP	50,000	$616.5k0.07%	0.07%	Unchanged
65	FORD MTR CO COM F	F	43,972	$611.2k0.07%	0.07%	Added +2.5k	+2,452 5.9%
66	GRACO INC COM GGG	GGG	7,844	$593.1k0.06%	0.06%	Unchanged
67	EXXON MOBIL CORP COM XOM	XOM	4,146	$566.9k0.06%	0.06%	Reduced -352	-352 -7.8%
68	PROCTER AND GAMBLE CO COM PG	PG	3,778	$554.0k0.06%	0.06%	Added +1.9k	+1,911 102.4%
69	AMERICAN EXPRESS CO COM AXP	AXP	1,571	$531.5k0.06%	0.06%	Added +242	+242 18.2%
70	GE VERNOVA INC COM GEV	GEV	449	$527.5k0.06%	0.06%	Added +12	+12 2.8%
71	GE AEROSPACE COM NEW GE	GE	1,348	$503.8k0.05%	0.05%	Added +223	+223 19.8%
72	SCHWAB STRATEGIC TR US SML CAP ETF SCHA	SCHA	13,702	$495.1k0.05%	0.05%	Reduced -195	-195 -1.4%
73	ILLINOIS TOOL WKS INC COM ITW	ITW	1,808	$489.0k0.05%	0.05%	Added +75	+75 4.3%
74	WALMART INC COM WMT	WMT	4,296	$486.6k0.05%	0.05%	Reduced -287	-287 -6.3%
75	KLA CORP COM NEW KLAC	KLAC	1,609	$485.5k0.05%	0.05%	Added +119	+119 8.0%
76	CITIGROUP INC COM NEW C	C	3,413	$477.7k0.05%	0.05%	Added +643	+643 23.2%
77	ISHARES TR CORE S&P TTL STK ITOT	ITOT	2,790	$458.3k0.05%	0.05%	Added +90	+90 3.3%
78	UNITEDHEALTH GROUP INC COM UNH	UNH	1,081	$449.3k0.05%	0.05%	New
79	MERCK & CO INC COM MRK	MRK	3,428	$440.5k0.05%	0.05%	Reduced -170	-170 -4.7%
80	PALO ALTO NETWORKS INC COM PANW	PANW	1,244	$424.2k0.05%	0.05%	New
81	SEAGATE TECHNOLOGY HLDNGS PL ORD SHS STX	STX	417	$402.4k0.04%	0.04%	New
82	MARVELL TECHNOLOGY INC COM MRVL	MRVL	1,345	$400.7k0.04%	0.04%	New
83	CHEVRON CORP NEW COM CVX	CVX	2,372	$393.1k0.04%	0.04%	Added +44	+44 1.9%
84	GOLDMAN SACHS GROUP INC COM GS	GS	386	$390.4k0.04%	0.04%	Added +101	+101 35.4%
85	MORGAN STANLEY COM NEW MS	MS	1,839	$384.4k0.04%	0.04%	New
86	ISHARES GOLD TR ISHARES NEW IAU	IAU	4,639	$350.3k0.04%	0.04%	Unchanged
87	CROWDSTRIKE HLDGS INC CL A CRWD	CRWD	448	$341.9k0.04%	0.04%	New
88	MORNINGSTAR INC COM MORN	MORN	2,138	$333.6k0.04%	0.04%	Reduced -59	-59 -2.7%
89	MASTERCARD INCORPORATED CL A MA	MA	628	$322.3k0.03%	0.03%	Reduced -611	-611 -49.3%
90	ARISTA NETWORKS INC COM SHS ANET	ANET	1,874	$318.4k0.03%	0.03%	New
91	ANALOG DEVICES INC COM ADI	ADI	784	$311.4k0.03%	0.03%	Added +57	+57 7.8%
92	TJX COS INC NEW COM TJX	TJX	2,015	$305.3k0.03%	0.03%	Reduced -27	-27 -1.3%
93	RTX CORPORATION COM RTX	RTX	1,563	$296.5k0.03%	0.03%	Added +100	+100 6.8%
94	BANK AMERICA CORP COM BAC	BAC	5,121	$291.8k0.03%	0.03%	Added +924	+924 22.0%
95	DIMENSIONAL ETF TRUST WORLD EX US CORE DFAX	DFAX	7,713	$284.1k0.03%	0.03%	New
96	BANK NEW YORK MELLON CORP COM BNY	BNY	1,953	$282.4k0.03%	0.03%	New
97	PALANTIR TECHNOLOGIES INC CL A PLTR	PLTR	2,404	$280.5k0.03%	0.03%	Reduced -468	-468 -16.3%
98	THERMO FISHER SCIENTIFIC INC COM TMO	TMO	554	$277.8k0.03%	0.03%	Reduced -198	-198 -26.3%
99	S&P GLOBAL INC COM SPGI	SPGI	654	$266.3k0.03%	0.03%	Added +44	+44 7.2%
100	AMPHENOL CORP CL A APH	APH	1,500	$264.5k0.03%	0.03%	Reduced -288	-288 -16.1%

Sold out since Q1 2026

Security	Ticker	Shares held before	Value then
NETFLIX INC NFLX	NFLX	6,438	$619.0k6.4k shares
HONEYWELL INTL INC		883	$399.2k883 shares
INTUIT INTU	INTU	772	$334.0k772 shares
PEPSICO INC PEP	PEP	1,873	$290.9k1.9k shares
VANECK ETF TRUST GDX	GDX	2,316	$212.5k2.3k shares
NEXTERA ENERGY INC NEE	NEE	2,256	$209.5k2.3k shares
SPDR GOLD TR GLD	GLD	479	$206.1k479 shares
PARKER-HANNIFIN CORP PH	PH	225	$201.4k225 shares