Lakeshore Financial Planning, Inc.

St. Clair Shores, MI · CIK 2000571 · 13F filing filed 2026-05-07

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

$275.8m reported value -1.4% vs Q4 2025

85positions

75.9%in top 10

7 new 30 added 27 reduced 8 sold out vs Q4 2025

Holdings, Q1 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	70,186	$45.8m16.62%	16.62%	Reduced -12.6k	-12,557 -15.2%
2	PGIM ETF TR PGIM ULTRA SH BD PULS	PULS	768,939	$38.1m13.80%	13.80%	Added +11.6k	+11,603 1.5%
3	DIMENSIONAL ETF TRUST US LARGE CAP VAL DFLV	DFLV	931,589	$33.3m12.06%	12.06%	Added +415.2k	+415,211 80.4%
4	SELECT SECTOR SPDR TR FINANCIAL XLF	XLF	431,723	$21.3m7.73%	7.73%	Added +3.0k	+3,043 0.7%
5	VANGUARD INDEX FDS S&P 500 ETF SHS VOO	VOO	30,803	$18.4m6.67%	6.67%	Reduced -6.1k	-6,136 -16.6%
6	VANGUARD WORLD FD HEALTH CAR ETF VHT	VHT	56,591	$15.4m5.59%	5.59%	Added +462	+462 0.8%
7	SCHWAB STRATEGIC TR US DIVIDEND EQ SCHD	SCHD	379,709	$11.6m4.22%	4.22%	Reduced -2.3k	-2,272 -0.6%
8	APPLE INC COM AAPL	AAPL	38,137	$9.7m3.51%	3.51%	Reduced -82	-82 -0.2%
9	DIMENSIONAL ETF TRUST US TARGETED VLU DFAT	DFAT	129,865	$8.1m2.94%	2.94%	Added +6.8k	+6,793 5.5%
10	MICROSOFT CORP COM MSFT	MSFT	20,791	$7.7m2.79%	2.79%	Reduced -814	-814 -3.8%
11	INVESCO EXCHANGE TRADED FD T S&P500 EQL WGT RSP	RSP	37,955	$7.3m2.64%	2.64%	Added +16	+16 0.0%
12	ISHARES TR CORE S&P SCP ETF IJR	IJR	40,451	$5.0m1.82%	1.82%	Added +2.6k	+2,619 6.9%
13	INVESCO QQQ TR UNIT SER 1 QQQ	QQQ	7,598	$4.4m1.59%	1.59%	Added +167	+167 2.2%
14	DIMENSIONAL ETF TRUST INTERNATNAL VAL DFIV	DFIV	66,822	$3.5m1.28%	1.28%	Added +286	+286 0.4%
15	ISHARES TR U.S. TECH ETF IYW	IYW	18,415	$3.3m1.21%	1.21%	Reduced -336	-336 -1.8%
16	ISHARES TR RUSSELL 3000 ETF IWV	IWV	8,897	$3.3m1.20%	1.20%	Reduced -209	-209 -2.3%
17	ISHARES TR S&P 500 GRWT ETF IVW	IVW	22,097	$2.5m0.91%	0.91%	Reduced -625	-625 -2.8%
18	JPMORGAN CHASE & CO COM JPM	JPM	8,477	$2.5m0.90%	0.90%	Added +56	+56 0.7%
19	ISHARES TR CORE S&P MCP ETF IJH	IJH	36,083	$2.4m0.88%	0.88%	Unchanged
20	ISHARES TR RUSSELL 2000 ETF IWM	IWM	8,291	$2.1m0.75%	0.75%	Added +174	+174 2.1%
21	DIMENSIONAL ETF TRUST US EQUITY MARKET DFUS	DFUS	26,317	$1.9m0.68%	0.68%	Added +815	+815 3.2%
22	SOFI TECHNOLOGIES INC COM SOFI	SOFI	92,277	$1.5m0.53%	0.53%	Added +50.8k	+50,812 122.5%
23	PGIM ETF TR AAA CLO ETF PAAA	PAAA	21,595	$1.1m0.40%	0.40%	Added +1.9k	+1,893 9.6%
24	ALPHABET INC CAP STK CL C GOOG	GOOG	3,695	$1.1m0.38%	0.38%	Reduced -943	-943 -20.3%
25	PGIM ETF TR SHRT DUR HGH YLD PSH	PSH	20,047	$994.2k0.36%	0.36%	Added +5.9k	+5,937 42.1%
26	FIFTH THIRD BANCORP COM FITB	FITB	19,674	$914.1k0.33%	0.33%	Added +12.1k	+12,120 160.4%
27	DTE ENERGY CO COM DTE	DTE	5,884	$860.6k0.31%	0.31%	Added +131	+131 2.3%
28	COCA COLA CO COM KO	KO	10,629	$808.5k0.29%	0.29%	Reduced -3	-3 -0.0%
29	SOUTHERN CO COM SO	SO	8,334	$804.5k0.29%	0.29%	Added +48	+48 0.6%
30	EXXON MOBIL CORP COM XOM	XOM	4,699	$797.3k0.29%	0.29%	Added +2.3k	+2,261 92.7%
31	NVIDIA CORPORATION COM NVDA	NVDA	4,343	$757.4k0.27%	0.27%	Reduced -1.4k	-1,350 -23.7%
32	MCDONALDS CORP COM MCD	MCD	2,348	$729.7k0.26%	0.26%	Reduced -1	-1 -0.0%
33	AMAZON COM INC COM AMZN	AMZN	3,393	$706.7k0.26%	0.26%	Added +180	+180 5.6%
34	NORTHROP GRUMMAN CORP COM NOC	NOC	1,000	$682.2k0.25%	0.25%	Unchanged
35	VANGUARD WORLD FD MEGA GRWTH IND MGK	MGK	1,657	$608.9k0.22%	0.22%	Added +124	+124 8.1%
36	ISHARES TR MSCI EAFE ETF EFA	EFA	6,068	$589.4k0.21%	0.21%	Unchanged
37	COSTCO WHSL CORP NEW COM COST	COST	566	$564.5k0.20%	0.20%	Unchanged
38	HOME DEPOT INC COM HD	HD	1,680	$552.8k0.20%	0.20%	Unchanged
39	JOHNSON & JOHNSON COM JNJ	JNJ	2,053	$502.0k0.18%	0.18%	Reduced -20	-20 -1.0%
40	WASTE MGMT INC DEL COM WM	WM	2,029	$466.4k0.17%	0.17%	Reduced -1	-1 -0.1%
41	SPDR S&P 500 ETF TR TR UNIT SPY	SPY	673	$437.7k0.16%	0.16%	Reduced -251	-251 -27.2%
42	PROCTER AND GAMBLE CO COM PG	PG	2,968	$429.1k0.16%	0.16%	Added +11	+11 0.4%
43	ROBINHOOD MKTS INC COM CL A HOOD	HOOD	6,150	$426.2k0.15%	0.15%	New
44	BERKSHIRE HATHAWAY INC DEL CL B NEW BRK.B	BRK.B	881	$422.2k0.15%	0.15%	Unchanged
45	ISHARES TR US INFRASTRUC IFRA	IFRA	7,073	$404.6k0.15%	0.15%	New
46	DT MIDSTREAM INC COMMON STOCK DTM	DTM	2,864	$385.9k0.14%	0.14%	Added +55	+55 2.0%
47	WALMART INC COM WMT	WMT	3,051	$379.2k0.14%	0.14%	Unchanged
48	NETFLIX INC COM NFLX	NFLX	3,940	$378.8k0.14%	0.14%	Reduced -320	-320 -7.5%
49	SEMPRA COM SRE	SRE	3,789	$368.2k0.13%	0.13%	Reduced -156	-156 -4.0%
50	CINCINNATI FINL CORP COM CINF	CINF	2,328	$366.3k0.13%	0.13%	Unchanged
51	VANGUARD SPECIALIZED FUNDS DIV APP ETF VIG	VIG	1,695	$364.6k0.13%	0.13%	Added +451	+451 36.2%
52	AFLAC INC COM AFL	AFL	3,270	$358.9k0.13%	0.13%	Added +1	+1 0.0%
53	CCC INTELLIGENT SOLUTIONS HL COM CCC	CCC	58,520	$351.1k0.13%	0.13%	Unchanged
54	BANK AMERICA CORP COM BAC	BAC	7,159	$349.0k0.13%	0.13%	Reduced -5.1k	-5,146 -41.8%
55	META PLATFORMS INC CL A META	META	606	$346.7k0.13%	0.13%	Unchanged
56	CHEVRON CORP NEW COM CVX	CVX	1,662	$343.9k0.12%	0.12%	Reduced -207	-207 -11.1%
57	GOLDMAN SACHS GROUP INC COM GS	GS	392	$331.6k0.12%	0.12%	Unchanged
58	ISHARES TR RUS 1000 GRW ETF IWF	IWF	777	$331.3k0.12%	0.12%	Unchanged
59	DELTA AIR LINES INC DEL COM NEW DAL	DAL	4,535	$301.5k0.11%	0.11%	Added +2	+2 0.0%
60	ABBVIE INC COM ABBV	ABBV	1,373	$298.9k0.11%	0.11%	Added +2	+2 0.1%
61	ORACLE CORP COM ORCL	ORCL	1,972	$290.2k0.11%	0.11%	Reduced -901	-901 -31.4%
62	PFIZER INC COM PFE	PFE	10,186	$286.0k0.10%	0.10%	Reduced -107	-107 -1.0%
63	ISHARES TR CORE MSCI TOTAL IXUS	IXUS	3,024	$262.0k0.09%	0.09%	Unchanged
64	PHILIP MORRIS INTL INC COM PM	PM	1,547	$255.8k0.09%	0.09%	Unchanged
65	PEPSICO INC COM PEP	PEP	1,600	$248.6k0.09%	0.09%	Added +137	+137 9.4%
66	NEXTERA ENERGY INC COM NEE	NEE	2,662	$247.2k0.09%	0.09%	Unchanged
67	VISA INC COM CL A V	V	810	$244.8k0.09%	0.09%	Reduced -114	-114 -12.3%
68	GILEAD SCIENCES INC COM GILD	GILD	1,753	$244.5k0.09%	0.09%	Reduced -1	-1 -0.1%
69	VANGUARD WHITEHALL FDS HIGH DIV YLD VYM	VYM	1,615	$239.2k0.09%	0.09%	New
70	VANGUARD MALVERN FDS STRM INFPROIDX VTIP	VTIP	4,710	$235.4k0.09%	0.09%	Reduced -4	-4 -0.1%
71	SPDR GOLD TR GOLD SHS GLD	GLD	547	$235.4k0.09%	0.09%	Unchanged
72	FORD MTR CO COM F	F	20,394	$235.4k0.09%	0.09%	Added +25	+25 0.1%
73	INTERNATIONAL BUSINESS MACHS COM IBM	IBM	968	$234.9k0.09%	0.09%	Unchanged
74	TESLA INC COM TSLA	TSLA	626	$232.7k0.08%	0.08%	Unchanged
75	KROGER CO COM KR	KR	3,136	$226.9k0.08%	0.08%	New
76	KLA CORP COM NEW KLAC	KLAC	151	$222.3k0.08%	0.08%	New
77	ISHARES TR RUS 1000 VAL ETF IWD	IWD	1,028	$219.9k0.08%	0.08%	Reduced -1	-1 -0.1%
78	TRACTOR SUPPLY CO COM TSCO	TSCO	4,805	$217.7k0.08%	0.08%	Unchanged
79	KIMBERLY-CLARK CORP COM KMB	KMB	2,187	$211.1k0.08%	0.08%	Reduced -140	-140 -6.0%
80	DISNEY WALT CO COM DIS	DIS	2,186	$210.9k0.08%	0.08%	Added +1	+1 0.1%
81	MONDELEZ INTL INC CL A MDLZ	MDLZ	3,649	$210.3k0.08%	0.08%	Reduced -126	-126 -3.3%
82	STARBUCKS CORP COM SBUX	SBUX	2,340	$209.7k0.08%	0.08%	New
83	SPDR SERIES TRUST PORTFOLIO S&P500 SPYM	SPYM	2,713	$207.7k0.08%	0.08%	Unchanged
84	TARGET CORP COM TGT	TGT	1,701	$206.2k0.07%	0.07%	New
85	SELECT SECTOR SPDR TR SBI CONS DISCR XLY	XLY	1,840	$200.6k0.07%	0.07%	Unchanged

Sold out since Q4 2025

Security	Ticker	Shares held before	Value then
COMERICA INC CMA	CMA	6,461	$561.7k6.5k shares
ROCKET COS INC RKT	RKT	27,527	$532.9k27.5k shares
AMERICAN EXPRESS CO AXP	AXP	606	$224.3k606 shares
ISHARES TR IUSG	IUSG	1,265	$212.4k1.3k shares
MASTERCARD INCORPORATED MA	MA	371	$211.8k371 shares
UNITEDHEALTH GROUP INC UNH	UNH	614	$202.7k614 shares
ISHARES TR MUB	MUB	1,892	$202.7k1.9k shares
CONIFER HLDGS INC CNFR	CNFR	10,200	$7.3k10.2k shares