Center for Financial Planning, Inc.
In its 13F for Q3 2025 (holdings as of September 30, 2025, filed November 6, 2025), Center for Financial Planning, Inc. reported 658 stock positions worth $935.6 million. Its top holding was Vanguard S&P 500 ETF (VOO) at 35.2% of the portfolio, followed by iShares Core U.S. Aggregate (AGG, 10.7%) and iShares Core MSCI Eafe ETF (IEFA, 10.2%). Compared with Q2 2025, it opened 53 new positions, sold out of 42, added to 95 and reduced 79. The biggest buy was Vanguard S&P 500 ETF (VOO, shares +1%) and the biggest sale iShares Core MSCI Eafe ETF (IEFA, shares −1%).
- Most Recent 13F
- Q2 2026
- Location
- SOUTHFIED, MI
- CIK
- 0001803557
- Portfolio Value
- $935.6M (Q3 2025)
- SEC Filing
- 0001803557-25-000006 ↗ filed Nov 6, 2025
Holdings Value
Holdings 658 stocks · $935.6M
| VOO Vanguard S&P 500 ETF | 35.21% | 537,881 | $329.4M | Add +0.6% |
| AGG iShares Core U.S. Aggregate | 10.70% | 999,011 | $100.2M | Add +3.6% |
| IEFA iShares Core MSCI Eafe ETF | 10.19% | 1,091,871 | $95.3M | Reduce -0.7% |
| VB Vanguard Most SM-Cap ETF-Usd | 6.90% | 253,691 | $64.5M | Reduce -3.4% |
| VO Vngrd Mrngstr MD-Cap ETF-Usd | 4.67% | 148,743 | $43.7M | Add +4.6% |
| VWO Vanguard Ftse Emerging Marke | 3.28% | 566,182 | $30.7M | Add +0.3% |
| QUAL iShares MSCI USA Quality Fac | 1.96% | 94,205 | $18.3M | Reduce -0.9% |
| BRK.A Berkshire Hathaway Inc. Class A | 1.53% | 19 | $14.3M | No change |
| MSFT Microsoft Corp. | 1.32% | 23,884 | $12.4M | Add +0.1% |
| VBR Vngrd Mrngst SL-CP Val ETF-U | 1.29% | 58,024 | $12.1M | Reduce -0.9% |
| VXUS Vanguard Total Intl Stock | 1.06% | 134,845 | $9.9M | Reduce -1.3% |
| AAPL Apple Inc. | 0.88% | 32,168 | $8.2M | Add +14.6% |
| BRK.B Berkshire Hathaway Inc. Class B | 0.77% | 14,361 | $7.2M | Add +2.3% |
| AMZN Amazon.com Inc. | 0.60% | 25,374 | $5.6M | Add +4.0% |
| JPM JPMorgan Chase & Co. | 0.58% | 17,271 | $5.4M | Add +1.5% |
| GOOG Alphabet Inc. Class C | 0.51% | 19,542 | $4.8M | Reduce -0.3% |
| VUG Vanguard Mrngstar GR ETF-Sui | 0.46% | 8,899 | $4.3M | Add +0.6% |
| ABBV Abbvie Inc. | 0.45% | 18,141 | $4.2M | Add +6.6% |
| LMBS First Trust Low Duration Opp | 0.37% | 69,046 | $3.4M | Add +6.2% |
| RJF Raymond James Financial Inc. | 0.36% | 19,281 | $3.3M | Reduce -1.3% |
| VBK Van Morst SML-Cap Gro-Usd Inc. | 0.35% | 11,135 | $3.3M | Reduce -5.1% |
| SPY SS SPDR S&P 500 ETF Trust-US | 0.35% | 4,974 | $3.3M | Reduce -0.1% |
| AVGO Broadcom Inc. | 0.35% | 9,921 | $3.3M | Add +3.8% |
| IJH iShares Core S&P Midcap ETF | 0.35% | 49,547 | $3.2M | Reduce -1.6% |
| FSIG FT Ltd. Duration Inv Grade | 0.34% | 164,066 | $3.2M | Add +8.0% |
| PG The Procter & Gamble Co. | 0.32% | 19,444 | $3.0M | Add +4.0% |
| VGT Vanguard Info Tech ETF | 0.31% | 3,909 | $2.9M | No change |
| JNJ Johnson & Johnson | 0.31% | 15,703 | $2.9M | Add +6.8% |
| VSS Vanguard Ftse All Wo X-US SC | 0.30% | 19,434 | $2.8M | Add +29.6% |
| NEE Nextera Energy Inc. | 0.29% | 36,021 | $2.7M | Add +3.1% |
| BUFR FT Vest Lad Buffervetf-Usd I | 0.28% | 77,342 | $2.6M | Add +6.3% |
| MCK McKesson Corp. | 0.27% | 3,277 | $2.5M | No change |
| VTI VG Morningstar TS MKT ETF-US | 0.27% | 7,678 | $2.5M | Add +1.3% |
| ABT Abbott Laboratories | 0.25% | 17,660 | $2.4M | Add +3.8% |
| MSI Motorola Solutions Inc. | 0.24% | 4,868 | $2.2M | Reduce -6.3% |
| AXP American Express Co. | 0.23% | 6,614 | $2.2M | Reduce -0.8% |
| VTV Vanguard Mrngstr Val ETF-Aui | 0.23% | 11,487 | $2.1M | Add +2.5% |
| EAGG iShares ESG Aware US Aggrega | 0.23% | 44,005 | $2.1M | Reduce -7.2% |
| HD Home Depot Inc. | 0.22% | 4,989 | $2.0M | Add +2.8% |
| CVX Chevron Corp. | 0.21% | 12,535 | $1.9M | Reduce -0.8% |
| TMO Thermo Fisher Scientific Inc. | 0.21% | 3,967 | $1.9M | No change |
| PEP Pepsico Inc. | 0.20% | 13,429 | $1.9M | Add +10.1% |
| SYK Stryker Corp. | 0.20% | 5,050 | $1.9M | No change |
| VV Vngrd Mrgstr LRG-Cap ETF-Usd | 0.19% | 5,769 | $1.8M | Add +0.5% |
| CRM Salesforce Inc. | 0.19% | 7,362 | $1.7M | No change |
| XOM Exxon Mobil Corp. | 0.19% | 15,465 | $1.7M | Add +7.1% |
| CL Colgate-Palmolive Co. | 0.18% | 21,612 | $1.7M | No change |
| NVDA Nvidia Corp. | 0.17% | 8,710 | $1.6M | Add +3.3% |
| ETN Eaton Corp. PLC | 0.17% | 4,315 | $1.6M | Add +4.9% |
| MCD McDonald's Corp. | 0.17% | 5,270 | $1.6M | Add +6.1% |
| IJR iShares Core S&P Small-Cap E | 0.17% | 13,431 | $1.6M | Reduce -2.8% |
| GOOGL Alphabet Inc. Class A | 0.16% | 6,308 | $1.5M | Reduce -0.6% |
| KO The Coca-Cola Co. | 0.16% | 22,989 | $1.5M | Add +0.9% |
| IVV iShares Core S&P 500 ETF | 0.16% | 2,171 | $1.5M | Reduce -0.8% |
| TSLA Tesla Inc. | 0.15% | 3,054 | $1.4M | Reduce -7.0% |
| WMT Walmart Inc. | 0.14% | 13,102 | $1.4M | Add +16.1% |
| VTEB Vanguard Tax-Exempt Bond ETF | 0.13% | 24,299 | $1.2M | Add +0.3% |
| MMM 3M Co. | 0.12% | 7,407 | $1.1M | Reduce -0.3% |
| UNP Union Pacific Corp. | 0.12% | 4,837 | $1.1M | Reduce -1.5% |
| ITW Illinois Tool Works | 0.12% | 4,309 | $1.1M | Reduce -0.7% |
| QQQ Invesco QQQ Trust Series 1 | 0.11% | 1,784 | $1.1M | Add +14.4% |
| VIG Vanguard Dividend Apprec ETF | 0.11% | 4,799 | $1.0M | Add +18.8% |
| ISTB iShares Core 1-5 Year Usd Bo | 0.11% | 20,845 | $1.0M | No change |
| MRK Merck & Co. Inc. | 0.11% | 12,012 | $1.0M | Add +2.9% |
| PM Philip Morris International | 0.10% | 5,945 | $964K | No change |
| AMT American Tower Corp. | 0.10% | 4,941 | $950K | Add +8.1% |
| PRF Invesco Rafi US 1000 ETF | 0.10% | 20,375 | $921K | Reduce -0.3% |
| META Meta Platforms Inc. Class A | 0.10% | 1,250 | $918K | No change |
| VEA Vanguard Ftse Developed ETF | 0.10% | 15,031 | $901K | Reduce -16.7% |
| EMR Emerson Electric Co. | 0.09% | 6,763 | $887K | No change |
| DFUS Dimensional US Eq MKT ETF | 0.09% | 12,183 | $883K | No change |
| TT Trane Technologies PLC | 0.09% | 2,085 | $880K | Reduce -2.4% |
| IWR iShares Russell Mid-Cap ETF | 0.09% | 9,010 | $870K | Add +0.1% |
| IBM Intl Business Machines Corp. filed as INTERNATIONAL BUSINESS MACHS | 0.09% | 3,014 | $851K | No change |
| MPC Marathon Petroleum Corp. | 0.09% | 4,370 | $842K | Add +6.2% |
| IWN iShares Russell 2000 Value E | 0.09% | 4,760 | $842K | No change |
| OMC Omnicom Group | 0.09% | 9,818 | $800K | No change |
| PGR Progressive Corp. | 0.08% | 3,171 | $783K | No change |
| IWM iShares Russell 2000 ETF | 0.08% | 3,205 | $775K | No change |
| ADC Agree Realty Corp. | 0.08% | 10,237 | $727K | No change |
| DAL Delta Air Lines Inc. | 0.07% | 12,292 | $698K | No change |
| CSCO Cisco Systems Inc. | 0.07% | 10,193 | $697K | Reduce -4.7% |
| V Visa Inc. Class A | 0.07% | 2,033 | $694K | No change |
| VDE Vanguard Energy ETF | 0.07% | 5,494 | $691K | No change |
| IJS iShares S&P Small-Cap 600 Va | 0.07% | 6,102 | $675K | Reduce -2.2% |
| DTE DTE Energy Company | 0.07% | 4,752 | $672K | Add +0.5% |
| F Ford Motor Co. filed as FORD MTR CO | 0.07% | 55,360 | $662K | Add +0.9% |
| NFLX Netflix Inc. | 0.07% | 543 | $651K | No change |
| AMD Advanced Micro Devices | 0.07% | 4,006 | $648K | No change |
| CME Cme Group Inc. | 0.07% | 2,251 | $608K | Add +16.4% |
| DHR Danaher Corp. | 0.06% | 3,057 | $606K | No change |
| BUFD FT VST Lad Deep Buf ETF-Usdi | 0.06% | 21,862 | $604K | New |
| CB Chubb Ltd. | 0.06% | 2,130 | $601K | Add +7.5% |
| LLY Eli Lilly & Co. | 0.06% | 785 | $599K | Reduce -0.1% |
| ADI Analog Devices Inc. | 0.06% | 2,437 | $599K | Add +37.5% |
| DFUV Dimensional US Marketwide Va | 0.06% | 13,216 | $591K | No change |
| QSPT FT Vest Nasdaq-100 Buffer Et | 0.06% | 18,950 | $588K | New |
| SCHV Schwab US Large-Cap Value | 0.06% | 19,533 | $569K | No change |
| ANET Arista Networks Inc. | 0.06% | 3,900 | $568K | No change |
| GEV GE Vernova Inc. | 0.06% | 921 | $566K | No change |
Other holdings (2): bonds, preferreds, convertibles and warrants · $13K (not counted above)
| Security | Class | Shares / Principal | Value | Change |
|---|---|---|---|---|
| BANK OF AMERICA CORP (BAC 7.25 PERP L) | 7.25%CNV PFD L | 5 | $6K | No change |
| WELLS FARGO & COMPANY (WFC 7.5 PERP L) | PERP PFD CNV A | 5 | $6K | No change |
Total filed on the 13F, all lines: $935.6M.
Portfolio Sells Q2 2025 → Q3 2025
| IEFA iShares Core MSCI Eafe ETF | Reduce -0.7% | 10.19% | −0.33 |
| VB Vanguard Most SM-Cap ETF-Usd | Reduce -3.4% | 6.90% | −0.24 |
| SPGI S&P Global Inc. | Reduce -59.9% | 0.05% | −0.10 |
| QMAR FT Vest Nasdaq-100 Buffer Et | Reduce -67.1% | 0.03% | −0.07 |
| QUAL iShares MSCI USA Quality Fac | Reduce -0.9% | 1.96% | −0.04 |
| EAGG iShares ESG Aware US Aggrega | Reduce -7.2% | 0.23% | −0.03 |
| VXUS Vanguard Total Intl Stock | Reduce -1.3% | 1.06% | −0.02 |
| VEA Vanguard Ftse Developed ETF | Reduce -16.7% | 0.10% | −0.02 |
| USFR Wisdomtree Floating Rate Tre | Sold out | 0.00% | −0.02 |
| VBK Van Morst SML-Cap Gro-Usd Inc. | Reduce -5.1% | 0.35% | −0.02 |
| MGK Vngrd Mrgstr MG CP GR ETF-Ui | Sold out | 0.00% | −0.02 |
| SCHG Schwab US Large-Cap Growth | Sold out | 0.00% | −0.02 |
| VBR Vngrd Mrngst SL-CP Val ETF-U | Reduce -0.9% | 1.29% | −0.01 |
| COIN Coinbase Global Inc. Class A | Reduce -39.3% | 0.02% | −0.01 |
| TT Trane Technologies PLC | Reduce -2.4% | 0.09% | −0.01 |
| IWB iShares Russell 1000 ETF | Sold out | 0.00% | −0.01 |
| IJH iShares Core S&P Midcap ETF | Reduce -1.6% | 0.35% | −0.01 |
| MSI Motorola Solutions Inc. | Reduce -6.3% | 0.24% | −0.01 |
| IWF iShares Russell 1000 Growth | Reduce -30.9% | 0.03% | −0.01 |
| OKE Oneok Inc. | Reduce -62.5% | 0.00% | −0.01 |
| CSCO Cisco Systems Inc. | Reduce -4.7% | 0.07% | −0.01 |
| FCX Freeport-McMoran Inc. | Reduce -96.0% | 0.00% | −0.01 |
| AXP American Express Co. | Reduce -0.8% | 0.23% | −0.01 |
| LMT Lockheed Martin Corp. | Reduce -21.3% | 0.03% | −0.01 |
| FANG Diamondback Energy Inc. | Reduce -20.5% | 0.03% | −0.01 |
| COST Costco Wholesale Corp. | Reduce -11.5% | 0.03% | −0.01 |
| USRT iShares Core US REIT ETF | Sold out | 0.00% | −0.01 |
| COP Conocophillips | Reduce -53.8% | 0.01% | −0.01 |
| UNP Union Pacific Corp. | Reduce -1.5% | 0.12% | −0.01 |
| GIS General Mills Inc. | Reduce -1.7% | 0.06% | −0.01 |
| MMM 3M Co. | Reduce -0.3% | 0.12% | −0.01 |
| LLY Eli Lilly & Co. | Reduce -0.1% | 0.06% | −0.01 |
| FXC Invesco Currencyshares Canad | Sold out | 0.00% | −0.01 |
| IWD iShares Russell 1000 Value E | Reduce -54.9% | 0.00% | −0.00 |
| PHYS Sprott Physical Gold Trust | Sold out | 0.00% | −0.00 |
| T AT&T Inc. | Reduce -2.0% | 0.04% | −0.00 |
| PSLV Sprott Physical Silver Trust | Sold out | 0.00% | −0.00 |
| BLFS Biolife Solutions Inc. | Sold out | 0.00% | −0.00 |
| SSBK Southern States Bancshares | Sold out | 0.00% | −0.00 |
| DTM DT Midstream Inc. | Reduce -7.3% | 0.03% | −0.00 |
| EW Edwards Lifesciences Corp. | Reduce -8.9% | 0.02% | −0.00 |
| MAG Mag Silver Corp. | Sold out | 0.00% | −0.00 |
| DJT Trump Media & Technology Gro | Reduce -0.9% | 0.02% | −0.00 |
| UBER Uber Technologies Inc. | Reduce -9.8% | 0.02% | −0.00 |
| VNQ Vanguard Real Estate ETF | Reduce -7.0% | 0.02% | −0.00 |
| ITW Illinois Tool Works | Reduce -0.7% | 0.12% | −0.00 |
| MXE Mexico Equity and Income FD | Sold out | 0.00% | −0.00 |
| PARAA Paramount Global Class B | Sold out | 0.00% | −0.00 |
| ADBE Adobe Inc. | Reduce -3.1% | 0.01% | −0.00 |
| IJR iShares Core S&P Small-Cap E | Reduce -2.8% | 0.17% | −0.00 |
Portfolio Buys Q2 2025 → Q3 2025
| VOO Vanguard S&P 500 ETF | Add +0.6% | 35.21% | +0.38 |
| AAPL Apple Inc. | Add +14.6% | 0.88% | +0.21 |
| VO Vngrd Mrngstr MD-Cap ETF-Usd | Add +4.6% | 4.67% | +0.11 |
| ABBV Abbvie Inc. | Add +6.6% | 0.45% | +0.09 |
| VWO Vanguard Ftse Emerging Marke | Add +0.3% | 3.28% | +0.08 |
| VSS Vanguard Ftse All Wo X-US SC | Add +29.6% | 0.30% | +0.06 |
| BUFD FT VST Lad Deep Buf ETF-Usdi | New | 0.06% | +0.06 |
| QSPT FT Vest Nasdaq-100 Buffer Et | New | 0.06% | +0.06 |
| JNJ Johnson & Johnson | Add +6.8% | 0.31% | +0.05 |
| AVGO Broadcom Inc. | Add +3.8% | 0.35% | +0.05 |
| VHT Vanguard Health Care ETF | Add +111.4% | 0.05% | +0.02 |
| NVDA Nvidia Corp. | Add +3.3% | 0.17% | +0.02 |
| WMT Walmart Inc. | Add +16.1% | 0.14% | +0.02 |
| MFM Aberdeen Municipal Income | New | 0.02% | +0.02 |
| PEP Pepsico Inc. | Add +10.1% | 0.20% | +0.02 |
| AMGN Amgen Inc. | Add +79.9% | 0.04% | +0.02 |
| JPM JPMorgan Chase & Co. | Add +1.5% | 0.58% | +0.02 |
| QQQ Invesco QQQ Trust Series 1 | Add +14.4% | 0.11% | +0.02 |
| VIG Vanguard Dividend Apprec ETF | Add +18.8% | 0.11% | +0.02 |
| ADI Analog Devices Inc. | Add +37.5% | 0.06% | +0.02 |
| AJG Arthur J Gallagher & Co. | Add +96.5% | 0.03% | +0.02 |
| NUV Nuveen Municipal Value | New | 0.01% | +0.01 |
| NEE Nextera Energy Inc. | Add +3.1% | 0.29% | +0.01 |
| HD Home Depot Inc. | Add +2.8% | 0.22% | +0.01 |
| MPC Marathon Petroleum Corp. | Add +6.2% | 0.09% | +0.01 |
| VUG Vanguard Mrngstar GR ETF-Sui | Add +0.6% | 0.46% | +0.01 |
| BUFR FT Vest Lad Buffervetf-Usd I | Add +6.3% | 0.28% | +0.01 |
| EOT Eaton Vance National Municip | New | 0.01% | +0.01 |
| UNH Unitedhealth Group Inc. | Add +19.5% | 0.05% | +0.01 |
| VOOG Vanguard S&P 500 Growth ETF | New | 0.01% | +0.01 |
| YUM Yum! Brands Inc. | Add +36.4% | 0.04% | +0.01 |
| CMI Cummins Inc. | Add +8.0% | 0.04% | +0.01 |
| UNM Unum Group | New | 0.01% | +0.01 |
| ARTY iShares Future AI & Tech ETF | Add +50.8% | 0.02% | +0.01 |
| VPU Vanguard Utilities ETF | Add +108.8% | 0.02% | +0.01 |
| XOM Exxon Mobil Corp. | Add +7.1% | 0.19% | +0.01 |
| VEU Vanguard Ftse All-World Ex-U | Add +102.9% | 0.01% | +0.01 |
| GLD SPDR Gold Shares | Add +19.9% | 0.03% | +0.01 |
| VXF Vanguard Extended Market ETF | Add +242.6% | 0.01% | +0.01 |
| CDNS Cadence Design SYS Inc. | Add +48.6% | 0.02% | +0.01 |
| DD Dupont DE Nemours Inc. | Add +79.1% | 0.01% | +0.01 |
| RSP Invesco S&P 500 Equal Weight | New | 0.01% | +0.01 |
| SO The Southern Co. | Add +80.2% | 0.01% | +0.01 |
| VYM Vanguard High DVD Yield ETF | Add +25.9% | 0.03% | +0.01 |
| GL Globe Life Inc. | New | 0.01% | +0.01 |
| APO Apollo Global Management Inc. | New | 0.01% | +0.01 |
| SBAC SBA Communications Corp. | New | 0.01% | +0.01 |
| VTI VG Morningstar TS MKT ETF-US | Add +1.3% | 0.27% | +0.01 |
| AMP Ameriprise Financial Inc. | Add +251.3% | 0.01% | +0.00 |
| FBK FB Financial Corp. | New | 0.00% | +0.00 |
All Filings
| Quarter | Positions | 13F Reported Value | Top Holdings |
|---|---|---|---|
| Q2 2026 | 660 | $1.1B | VOO, AGG, SPDW, VB, VO |
| Q1 2026 | 652 | $958.0M | VOO, AGG, SPDW, VB, VO |
| Q4 2025 | 697 | $961.1M | VOO, AGG, IEFA, VB, VO |
| Q3 2025 | 658 | $935.6M | VOO, AGG, IEFA, VB, VO |
| Q2 2025 | 645 | $871.9M | VOO, AGG, IEFA, VB, VO |
| Q1 2025 | 698 | $782.6M | VOO, AGG, IEFA, VBR, VB |
| Q4 2024 | 673 | $749.3M | VOO, IEFA, AGG, VBR, VB |
| Q3 2024 | 578 | $737.0M | VOO, IEFA, AGG, VBR, VB |
| Q2 2024 | 583 | $691.7M | VOO, IEFA, AGG, VBR, VB |
| Q1 2024 | 606 | $669.0M | VOO, IEFA, VBR, AGG, VB |