Lakeshore Financial Planning, Inc.

St. Clair Shores, MI · CIK 2000571 · 13F filing filed 2025-07-14

SEC-registered investment adviser since 2018 · corporation

Assets managed$469.3m
Staff5 · 3 in investment roles
Main clients (by assets)High net worth individuals 72%, Individuals 28%
Main officeSaint Clair Shores, MI
Websitelakeshorefinancialplanning.com
Form ADV · 2026-02-11SEC adviser record

$248.8m reported value +3.6% vs Q1 2025

77positions

77.0%in top 10

1 new 35 added 23 reduced 2 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	81,947	$50.9m20.45%	20.45%	Added +3.0k	+3,038 3.9%
2	PGIM ETF TR PGIM ULTRA SH BD PULS	PULS	639,837	$31.8m12.80%	12.80%	Reduced -66.8k	-66,783 -9.4%
3	SELECT SECTOR SPDR TR FINANCIAL XLF	XLF	418,951	$21.9m8.82%	8.82%	Added +8.5k	+8,532 2.1%
4	VANGUARD INDEX FDS S&P 500 ETF SHS VOO	VOO	37,073	$21.1m8.46%	8.46%	Added +270	+270 0.7%
5	DIMENSIONAL ETF TRUST US LARGE CAP VAL DFLV	DFLV	507,954	$15.8m6.33%	6.33%	Reduced -89.9k	-89,868 -15.0%
6	VANGUARD WORLD FD HEALTH CAR ETF VHT	VHT	53,666	$13.3m5.36%	5.36%	Added +2.2k	+2,176 4.2%
7	MICROSOFT CORP COM MSFT	MSFT	21,933	$10.9m4.38%	4.38%	Reduced -251	-251 -1.1%
8	SCHWAB STRATEGIC TR US DIVIDEND EQ SCHD	SCHD	393,459	$10.4m4.19%	4.19%	Reduced -159.9k	-159,880 -28.9%
9	APPLE INC COM AAPL	AAPL	39,099	$8.0m3.22%	3.22%	Added +589	+589 1.5%
10	INVESCO EXCHANGE TRADED FD T S&P500 EQL WGT RSP	RSP	40,351	$7.3m2.95%	2.95%	Reduced -430	-430 -1.1%
11	DIMENSIONAL ETF TRUST US TARGETED VLU DFAT	DFAT	123,150	$6.6m2.67%	2.67%	Reduced -6.1k	-6,064 -4.7%
12	INVESCO QQQ TR UNIT SER 1 QQQ	QQQ	7,480	$4.1m1.66%	1.66%	Added +332	+332 4.6%
13	ISHARES TR CORE S&P SCP ETF IJR	IJR	36,078	$3.9m1.58%	1.58%	Added +182	+182 0.5%
14	ISHARES TR RUSSELL 3000 ETF IWV	IWV	9,149	$3.2m1.29%	1.29%	Reduced -30	-30 -0.3%
15	ISHARES TR U.S. TECH ETF IYW	IYW	16,207	$2.8m1.13%	1.13%	Added +14.3k	+14,251 728.6%
16	DIMENSIONAL ETF TRUST INTERNATNAL VAL DFIV	DFIV	64,988	$2.8m1.12%	1.12%	Added +31	+31 0.1%
17	ISHARES TR S&P 500 GRWT ETF IVW	IVW	22,243	$2.4m0.98%	0.98%	Added +9.4k	+9,439 73.7%
18	JPMORGAN CHASE & CO COM JPM	JPM	8,417	$2.4m0.98%	0.98%	Added +37	+37 0.4%
19	ISHARES TR CORE S&P MCP ETF IJH	IJH	37,239	$2.3m0.93%	0.93%	Reduced -215	-215 -0.6%
20	DIMENSIONAL ETF TRUST US EQUITY MARKET DFUS	DFUS	28,239	$1.9m0.76%	0.76%	Added +2.3k	+2,265 8.7%
21	ISHARES TR RUSSELL 2000 ETF IWM	IWM	8,512	$1.8m0.74%	0.74%	Reduced -23	-23 -0.3%
22	PGIM ETF TR AAA CLO ETF PAAA	PAAA	19,702	$1.0m0.41%	0.41%	Unchanged
23	CCC INTELLIGENT SOLUTIONS HL COM CCC	CCC	99,620	$937.4k0.38%	0.38%	Unchanged
24	NVIDIA CORPORATION COM NVDA	NVDA	5,650	$892.6k0.36%	0.36%	Added +1.9k	+1,934 52.0%
25	COCA COLA CO COM KO	KO	11,317	$800.6k0.32%	0.32%	Reduced -375	-375 -3.2%
26	DTE ENERGY CO COM DTE	DTE	5,747	$761.1k0.31%	0.31%	Added +6	+6 0.1%
27	SOUTHERN CO COM SO	SO	8,171	$750.3k0.30%	0.30%	Added +58	+58 0.7%
28	ALPHABET INC CAP STK CL C GOOG	GOOG	4,076	$723.0k0.29%	0.29%	Reduced -271	-271 -6.2%
29	MCDONALDS CORP COM MCD	MCD	2,445	$714.4k0.29%	0.29%	Added +15	+15 0.6%
30	SOFI TECHNOLOGIES INC COM SOFI	SOFI	36,515	$664.9k0.27%	0.27%	Reduced -17.2k	-17,200 -32.0%
31	BANK AMERICA CORP COM BAC	BAC	13,107	$620.2k0.25%	0.25%	Reduced -392	-392 -2.9%
32	AMAZON COM INC COM AMZN	AMZN	2,748	$602.9k0.24%	0.24%	Unchanged
33	HOME DEPOT INC COM HD	HD	1,642	$602.1k0.24%	0.24%	Added +14	+14 0.9%
34	SPDR S&P 500 ETF TR TR UNIT SPY	SPY	959	$592.5k0.24%	0.24%	Added +281	+281 41.5%
35	COSTCO WHSL CORP NEW COM COST	COST	562	$556.6k0.22%	0.22%	Unchanged
36	ISHARES TR MSCI EAFE ETF EFA	EFA	6,068	$542.4k0.22%	0.22%	Unchanged
37	NORTHROP GRUMMAN CORP COM NOC	NOC	997	$498.5k0.20%	0.20%	Unchanged
38	META PLATFORMS INC CL A META	META	655	$483.4k0.19%	0.19%	Reduced -11	-11 -1.6%
39	PROCTER AND GAMBLE CO COM PG	PG	2,937	$467.9k0.19%	0.19%	Added +23	+23 0.8%
40	WASTE MGMT INC DEL COM WM	WM	1,969	$450.5k0.18%	0.18%	Added +2	+2 0.1%
41	ORACLE CORP COM ORCL	ORCL	2,013	$440.1k0.18%	0.18%	Added +1	+1 0.1%
42	BERKSHIRE HATHAWAY INC DEL CL B NEW BRK.B	BRK.B	867	$421.2k0.17%	0.17%	Unchanged
43	COMERICA INC COM CMA	CMA	6,996	$417.3k0.17%	0.17%	Reduced -252	-252 -3.5%
44	AFLAC INC COM AFL	AFL	3,611	$380.8k0.15%	0.15%	Reduced -187	-187 -4.9%
45	ISHARES TR RUS 1000 GRW ETF IWF	IWF	894	$379.6k0.15%	0.15%	Added +102	+102 12.9%
46	CINCINNATI FINL CORP COM CINF	CINF	2,328	$346.7k0.14%	0.14%	Unchanged
47	JOHNSON & JOHNSON COM JNJ	JNJ	2,211	$337.8k0.14%	0.14%	Reduced -135	-135 -5.8%
48	DT MIDSTREAM INC COMMON STOCK DTM	DTM	2,872	$315.6k0.13%	0.13%	Added +3	+3 0.1%
49	FIFTH THIRD BANCORP COM FITB	FITB	7,547	$310.4k0.12%	0.12%	Added +5	+5 0.1%
50	MONDELEZ INTL INC CL A MDLZ	MDLZ	4,595	$309.9k0.12%	0.12%	Added +2	+2 0.0%
51	GOLDMAN SACHS GROUP INC COM GS	GS	435	$307.9k0.12%	0.12%	Unchanged
52	KIMBERLY-CLARK CORP COM KMB	KMB	2,371	$305.7k0.12%	0.12%	Unchanged
53	INTERNATIONAL BUSINESS MACHS COM IBM	IBM	1,014	$299.1k0.12%	0.12%	Reduced -23	-23 -2.2%
54	VISA INC COM CL A V	V	842	$299.0k0.12%	0.12%	Unchanged
55	SEMPRA COM SRE	SRE	3,935	$298.1k0.12%	0.12%	Added +7	+7 0.2%
56	PHILIP MORRIS INTL INC COM PM	PM	1,547	$281.8k0.11%	0.11%	Unchanged
57	ELI LILLY & CO COM LLY	LLY	355	$276.7k0.11%	0.11%	Added +95	+95 36.5%
58	DISNEY WALT CO COM DIS	DIS	2,182	$270.6k0.11%	0.11%	Added +1	+1 0.1%
59	VANGUARD WORLD FD MEGA GRWTH IND MGK	MGK	721	$264.0k0.11%	0.11%	Unchanged
60	ROCKET COS INC COM CL A RKT	RKT	18,497	$262.3k0.11%	0.11%	Added +7.9k	+7,894 74.5%
61	CHEVRON CORP NEW COM CVX	CVX	1,830	$262.0k0.11%	0.11%	Reduced -125	-125 -6.4%
62	WALMART INC COM WMT	WMT	2,647	$258.8k0.10%	0.10%	Unchanged
63	TRACTOR SUPPLY CO COM TSCO	TSCO	4,805	$253.6k0.10%	0.10%	Unchanged
64	PFIZER INC COM PFE	PFE	10,271	$249.0k0.10%	0.10%	Reduced -14	-14 -0.1%
65	ISHARES TR CORE MSCI TOTAL IXUS	IXUS	3,206	$247.9k0.10%	0.10%	Unchanged
66	ABBVIE INC COM ABBV	ABBV	1,334	$247.6k0.10%	0.10%	Added +6	+6 0.5%
67	VANGUARD MALVERN FDS STRM INFPROIDX VTIP	VTIP	4,767	$239.7k0.10%	0.10%	Added +8	+8 0.2%
68	VANGUARD SPECIALIZED FUNDS DIV APP ETF VIG	VIG	1,117	$228.6k0.09%	0.09%	Added +50	+50 4.7%
69	ISHARES TR NATIONAL MUN ETF MUB	MUB	2,169	$226.6k0.09%	0.09%	Reduced -150	-150 -6.5%
70	EXXON MOBIL CORP COM XOM	XOM	2,074	$223.5k0.09%	0.09%	Added +2	+2 0.1%
71	DELTA AIR LINES INC DEL COM NEW DAL	DAL	4,528	$222.7k0.09%	0.09%	New
72	EQUIFAX INC COM EFX	EFX	847	$219.7k0.09%	0.09%	Unchanged
73	STARBUCKS CORP COM SBUX	SBUX	2,297	$210.4k0.08%	0.08%	Added +5	+5 0.2%
74	UNITEDHEALTH GROUP INC COM UNH	UNH	662	$206.5k0.08%	0.08%	Added +2	+2 0.3%
75	VERIZON COMMUNICATIONS INC COM VZ	VZ	4,629	$200.3k0.08%	0.08%	Reduced -6	-6 -0.1%
76	FORD MTR CO COM F	F	16,574	$179.8k0.07%	0.07%	Reduced -114	-114 -0.7%
77	CONIFER HLDGS INC COM CNFR	CNFR	10,200	$7.4k0.00%	0.00%	Unchanged

Sold out since Q1 2025

Security	Ticker	Shares held before	Value then
PEPSICO INC PEP	PEP	1,444	$216.7k1.4k shares
NEXTERA ENERGY INC NEE	NEE	2,968	$210.4k3.0k shares