Center for Financial Planning, Inc.
In its 13F for Q4 2025 (holdings as of December 31, 2025, filed February 5, 2026), Center for Financial Planning, Inc. reported 697 stock positions worth $961.1 million. Its top holding was Vanguard S&P 500 ETF (VOO) at 35.3% of the portfolio, followed by iShares Core U.S. Aggregate (AGG, 10.7%) and iShares Core MSCI Eafe ETF (IEFA, 10.2%). Compared with Q3 2025, it opened 77 new positions, sold out of 41, added to 118 and reduced 106. The biggest buy was Vngrd Mrngstr MD-Cap ETF-Usd (VO, shares +11%) and the biggest sale an exit from Agree Realty (ADC).
- Most Recent 13F
- Q2 2026
- Location
- SOUTHFIED, MI
- CIK
- 0001803557
- Portfolio Value
- $961.1M (Q4 2025)
- SEC Filing
- 0001803557-26-000001 ↗ filed Feb 5, 2026
Holdings Value
Holdings 697 stocks · $961.1M
| VOO Vanguard S&P 500 ETF | 35.32% | 541,356 | $339.5M | Add +0.7% |
| AGG iShares Core U.S. Aggregate | 10.71% | 1,030,946 | $103.0M | Add +3.2% |
| IEFA iShares Core MSCI Eafe ETF | 10.25% | 1,100,810 | $98.5M | Add +0.8% |
| VB Vanguard Most SM-Cap ETF-Usd | 6.85% | 255,199 | $65.8M | Add +0.6% |
| VO Vngrd Mrngstr MD-Cap ETF-Usd | 4.98% | 165,038 | $47.9M | Add +11.0% |
| VWO Vanguard Ftse Emerging Marke | 3.21% | 574,323 | $30.9M | Add +1.4% |
| QUAL iShares MSCI USA Quality Fac | 1.90% | 91,876 | $18.2M | Reduce -2.5% |
| BRK.A Berkshire Hathaway Inc. Class A | 1.49% | 19 | $14.3M | No change |
| VBR Vngrd Mrngst SL-CP Val ETF-U | 1.26% | 57,300 | $12.1M | Reduce -1.3% |
| MSFT Microsoft Corp. | 1.20% | 23,886 | $11.6M | Add +0.0% |
| VXUS Vanguard Total Intl Stock | 1.05% | 133,417 | $10.1M | Reduce -1.1% |
| AAPL Apple Inc. | 0.91% | 32,000 | $8.7M | Reduce -0.5% |
| BRK.B Berkshire Hathaway Inc. Class B | 0.80% | 15,302 | $7.7M | Add +6.5% |
| GOOG Alphabet Inc. Class C | 0.64% | 19,542 | $6.1M | No change |
| AMZN Amazon.com Inc. | 0.60% | 24,790 | $5.7M | Reduce -2.3% |
| JPM JPMorgan Chase & Co. | 0.58% | 17,344 | $5.6M | Add +0.4% |
| VUG Vanguard Mrngstar GR ETF-Sui | 0.45% | 8,899 | $4.3M | No change |
| VSS Vanguard Ftse All Wo X-US SC | 0.42% | 28,440 | $4.1M | Add +46.3% |
| ABBV Abbvie Inc. | 0.41% | 17,433 | $4.0M | Reduce -3.9% |
| JNJ Johnson & Johnson | 0.34% | 16,009 | $3.3M | Add +1.9% |
| LMBS First Trust Low Duration Opp | 0.34% | 65,971 | $3.3M | Reduce -4.5% |
| IJH iShares Core S&P Midcap ETF | 0.34% | 49,937 | $3.3M | Add +0.8% |
| VBK Van Morst SML-Cap Gro-Usd Inc. | 0.34% | 10,858 | $3.3M | Reduce -2.5% |
| AVGO Broadcom Inc. | 0.34% | 9,431 | $3.3M | Reduce -4.9% |
| RJF Raymond James Financial Inc. | 0.32% | 19,281 | $3.1M | No change |
| VGT Vanguard Info Tech ETF | 0.32% | 4,069 | $3.1M | Add +4.1% |
| SPY SS SPDR S&P 500 ETF Trust-US | 0.32% | 4,463 | $3.0M | Reduce -10.3% |
| FSIG FT Ltd. Duration Inv Grade | 0.31% | 154,976 | $3.0M | Reduce -5.5% |
| NEE Nextera Energy Inc. | 0.30% | 35,549 | $2.9M | Reduce -1.3% |
| PG The Procter & Gamble Co. | 0.29% | 19,485 | $2.8M | Add +0.2% |
| MCK McKesson Corp. | 0.28% | 3,277 | $2.7M | No change |
| VTI VG Morningstar TS MKT ETF-US | 0.28% | 7,965 | $2.7M | Add +3.7% |
| BUFR FT Vest Lad Buffervetf-Usd I | 0.28% | 77,342 | $2.6M | No change |
| AXP American Express Co. | 0.25% | 6,614 | $2.4M | No change |
| TMO Thermo Fisher Scientific Inc. | 0.24% | 3,967 | $2.3M | No change |
| ABT Abbott Laboratories | 0.23% | 17,660 | $2.2M | No change |
| VTV Vanguard Mrngstr Val ETF-Aui | 0.23% | 11,487 | $2.2M | No change |
| EAGG iShares ESG Aware US Aggrega | 0.23% | 45,295 | $2.2M | Add +2.9% |
| CRM Salesforce Inc. | 0.21% | 7,766 | $2.1M | Add +5.5% |
| MSI Motorola Solutions Inc. | 0.20% | 4,997 | $1.9M | Add +2.6% |
| PEP Pepsico Inc. | 0.20% | 13,329 | $1.9M | Reduce -0.7% |
| XOM Exxon Mobil Corp. | 0.20% | 15,681 | $1.9M | Add +1.4% |
| CVX Chevron Corp. | 0.20% | 12,362 | $1.9M | Reduce -1.4% |
| VV Vngrd Mrgstr LRG-Cap ETF-Usd | 0.19% | 5,774 | $1.8M | Add +0.1% |
| GOOGL Alphabet Inc. Class A | 0.18% | 5,661 | $1.8M | Reduce -10.3% |
| SYK Stryker Corp. | 0.18% | 4,943 | $1.7M | Reduce -2.1% |
| HD Home Depot Inc. | 0.18% | 4,960 | $1.7M | Reduce -0.6% |
| CL Colgate-Palmolive Co. | 0.18% | 21,512 | $1.7M | Reduce -0.5% |
| NVDA Nvidia Corp. | 0.17% | 8,814 | $1.6M | Add +1.2% |
| MCD McDonald's Corp. | 0.17% | 5,377 | $1.6M | Add +2.0% |
| IJR iShares Core S&P Small-Cap E | 0.17% | 13,540 | $1.6M | Add +0.8% |
| KO The Coca-Cola Co. | 0.17% | 23,267 | $1.6M | Add +1.2% |
| IVV iShares Core S&P 500 ETF | 0.15% | 2,120 | $1.5M | Reduce -2.4% |
| WMT Walmart Inc. | 0.15% | 12,839 | $1.4M | Reduce -2.0% |
| ETN Eaton Corp. PLC | 0.14% | 4,350 | $1.4M | Add +0.8% |
| TSLA Tesla Inc. | 0.14% | 2,950 | $1.3M | Reduce -3.4% |
| MRK Merck & Co. Inc. | 0.13% | 12,110 | $1.3M | Add +0.8% |
| VTEB Vanguard Tax-Exempt Bond ETF | 0.13% | 24,299 | $1.2M | No change |
| MMM 3M Co. | 0.12% | 7,410 | $1.2M | Add +0.0% |
| QQQ Invesco QQQ Trust Series 1 | 0.12% | 1,863 | $1.1M | Add +4.4% |
| VIG Vanguard Dividend Apprec ETF | 0.12% | 5,043 | $1.1M | Add +5.1% |
| UNP Union Pacific Corp. | 0.11% | 4,705 | $1.1M | Reduce -2.7% |
| ITW Illinois Tool Works | 0.11% | 4,233 | $1.0M | Reduce -1.8% |
| ISTB iShares Core 1-5 Year Usd Bo | 0.11% | 20,845 | $1.0M | No change |
| VEA Vanguard Ftse Developed ETF | 0.11% | 16,254 | $1.0M | Add +8.1% |
| PM Philip Morris International | 0.10% | 6,032 | $968K | Add +1.5% |
| DTE DTE Energy Company | 0.10% | 7,473 | $964K | Add +57.3% |
| PRF Invesco Rafi US 1000 ETF | 0.10% | 20,378 | $956K | Add +0.0% |
| IBM Intl Business Machines Corp. filed as INTERNATIONAL BUSINESS MACHS | 0.10% | 3,165 | $938K | Add +5.0% |
| DFUS Dimensional US Eq MKT ETF | 0.09% | 12,183 | $904K | No change |
| EMR Emerson Electric Co. | 0.09% | 6,779 | $900K | Add +0.2% |
| IWR iShares Russell Mid-Cap ETF | 0.09% | 9,021 | $868K | Add +0.1% |
| DAL Delta Air Lines Inc. | 0.09% | 12,292 | $853K | No change |
| IWN iShares Russell 2000 Value E | 0.09% | 4,699 | $852K | Reduce -1.3% |
| LLY Eli Lilly & Co. | 0.09% | 786 | $845K | Add +0.1% |
| META Meta Platforms Inc. Class A | 0.09% | 1,258 | $830K | Add +0.6% |
| MPC Marathon Petroleum Corp. | 0.09% | 5,021 | $817K | Add +14.9% |
| AMT American Tower Corp. | 0.08% | 4,571 | $803K | Reduce -7.5% |
| IWM iShares Russell 2000 ETF | 0.08% | 3,238 | $797K | Add +1.0% |
| OMC Omnicom Group | 0.08% | 9,818 | $793K | No change |
| CSCO Cisco Systems Inc. | 0.08% | 10,086 | $777K | Reduce -1.1% |
| AMD Advanced Micro Devices | 0.08% | 3,513 | $752K | Reduce -12.3% |
| TT Trane Technologies PLC | 0.08% | 1,871 | $728K | Reduce -10.3% |
| F Ford Motor Co. filed as FORD MTR CO | 0.08% | 55,195 | $724K | Reduce -0.3% |
| PGR Progressive Corp. | 0.08% | 3,171 | $722K | No change |
| DHR Danaher Corp. | 0.07% | 3,057 | $700K | No change |
| IJS iShares S&P Small-Cap 600 Va | 0.07% | 6,102 | $694K | No change |
| VDE Vanguard Energy ETF | 0.07% | 5,494 | $692K | No change |
| CB Chubb Ltd. | 0.07% | 2,210 | $690K | Add +3.8% |
| ADI Analog Devices Inc. | 0.07% | 2,405 | $652K | Reduce -1.3% |
| V Visa Inc. Class A | 0.07% | 1,835 | $644K | Reduce -9.7% |
| BUFD FT VST Lad Deep Buf ETF-Usdi | 0.06% | 21,862 | $617K | No change |
| DFUV Dimensional US Marketwide Va | 0.06% | 13,216 | $616K | No change |
| GEV GE Vernova Inc. | 0.06% | 927 | $606K | Add +0.7% |
| QSPT FT Vest Nasdaq-100 Buffer Et | 0.06% | 18,950 | $600K | No change |
| DOV Dover Corp. | 0.06% | 3,074 | $600K | No change |
| CME Cme Group Inc. | 0.06% | 2,173 | $593K | Reduce -3.5% |
| SCHV Schwab US Large-Cap Value | 0.06% | 19,533 | $578K | No change |
| DAN Dana Inc. | 0.06% | 24,000 | $570K | No change |
| RTX RTX Corp. | 0.06% | 3,021 | $554K | Add +3.3% |
Other holdings (5): bonds, preferreds, convertibles and warrants · $12K (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 |
| OPENW Opendoor Technologies Inc.-26 | *W EXP 11/20/202 | 66 | $60 | No change |
| OPENL Opendoor Technologies Inc.-26 | *W EXP 11/20/202 | 66 | $35 | New |
| OPENZ Opendoor Technologies Inc.-26 | *W EXP 11/20/202 | 66 | $27 | New |
Total filed on the 13F, all lines: $961.1M.
Portfolio Sells Q3 2025 → Q4 2025
| ADC Agree Realty Corp. | Sold out | 0.00% | −0.08 |
| QUAL iShares MSCI USA Quality Fac | Reduce -2.5% | 1.90% | −0.06 |
| PEG Public Service Enterprise GP | Reduce -79.5% | 0.01% | −0.04 |
| HD Home Depot Inc. | Reduce -0.6% | 0.18% | −0.04 |
| SPY SS SPDR S&P 500 ETF Trust-US | Reduce -10.3% | 0.32% | −0.04 |
| ABBV Abbvie Inc. | Reduce -3.9% | 0.41% | −0.03 |
| VBR Vngrd Mrngst SL-CP Val ETF-U | Reduce -1.3% | 1.26% | −0.03 |
| FSIG FT Ltd. Duration Inv Grade | Reduce -5.5% | 0.31% | −0.03 |
| LMBS First Trust Low Duration Opp | Reduce -4.5% | 0.34% | −0.02 |
| NFLX Netflix Inc. | Reduce -10.7% | 0.05% | −0.02 |
| FISV Fiserv Inc. | Reduce -27.4% | 0.01% | −0.02 |
| SYK Stryker Corp. | Reduce -2.1% | 0.18% | −0.02 |
| ORCL Oracle Corp. | Reduce -0.5% | 0.04% | −0.02 |
| TT Trane Technologies PLC | Reduce -10.3% | 0.08% | −0.02 |
| AMT American Tower Corp. | Reduce -7.5% | 0.08% | −0.02 |
| ANET Arista Networks Inc. | Reduce -16.7% | 0.04% | −0.02 |
| VBK Van Morst SML-Cap Gro-Usd Inc. | Reduce -2.5% | 0.34% | −0.01 |
| CVX Chevron Corp. | Reduce -1.4% | 0.20% | −0.01 |
| UNH Unitedhealth Group Inc. | Reduce -16.8% | 0.04% | −0.01 |
| ITW Illinois Tool Works | Reduce -1.8% | 0.11% | −0.01 |
| NUV Nuveen Municipal Value | Reduce -85.2% | 0.00% | −0.01 |
| VXUS Vanguard Total Intl Stock | Reduce -1.1% | 1.05% | −0.01 |
| EFV iShares MSCI Eafe Value ETF | Reduce -21.9% | 0.04% | −0.01 |
| CMCSA Comcast Corp. Class A | Reduce -20.9% | 0.03% | −0.01 |
| PLTR Palantir Technologies Inc. Class A | Reduce -89.4% | 0.00% | −0.01 |
| AVGO Broadcom Inc. | Reduce -4.9% | 0.34% | −0.01 |
| VOOG Vanguard S&P 500 Growth ETF | Sold out | 0.00% | −0.01 |
| UNP Union Pacific Corp. | Reduce -2.7% | 0.11% | −0.01 |
| APH Amphenol Corp. Class A | Reduce -33.3% | 0.02% | −0.01 |
| MFM Aberdeen Municipal Income | Reduce -50.0% | 0.01% | −0.01 |
| APD Air Products & Chemicals Inc. | Reduce -3.3% | 0.05% | −0.01 |
| LHX L3HARRIS Technologies Inc. | Reduce -26.5% | 0.02% | −0.01 |
| NXPI NXP Semiconductors NV | Reduce -10.8% | 0.04% | −0.01 |
| MO Altria Group Inc. | Reduce -5.7% | 0.03% | −0.01 |
| CL Colgate-Palmolive Co. | Reduce -0.5% | 0.18% | −0.01 |
| EOT Eaton Vance National Municip | Reduce -66.7% | 0.00% | −0.01 |
| V Visa Inc. Class A | Reduce -9.7% | 0.07% | −0.01 |
| SYF Synchrony Financial | Reduce -87.2% | 0.00% | −0.01 |
| TSLA Tesla Inc. | Reduce -3.4% | 0.14% | −0.01 |
| T AT&T Inc. | Reduce -4.0% | 0.03% | −0.01 |
| ALGN Align Technology Inc. | Sold out | 0.00% | −0.01 |
| RGTI Rigetti Computing Inc. | Reduce -18.0% | 0.01% | −0.01 |
| VXF Vanguard Extended Market ETF | Reduce -70.8% | 0.00% | −0.01 |
| ALL Allstate Corp. | Reduce -7.9% | 0.04% | −0.01 |
| CMG Chipotle Mexican Grill Inc. | Reduce -10.8% | 0.03% | −0.01 |
| BBY Best Buy Co. Inc. | Reduce -3.9% | 0.03% | −0.01 |
| DRI Darden Restaurants Inc. | Reduce -4.4% | 0.05% | −0.01 |
| CDNS Cadence Design SYS Inc. | Reduce -18.4% | 0.01% | −0.01 |
| TJX TJX Companies Inc. | Reduce -12.6% | 0.05% | −0.01 |
| FIS Fidelity National Info Serv | Reduce -12.0% | 0.03% | −0.01 |
Portfolio Buys Q3 2025 → Q4 2025
| VO Vngrd Mrngstr MD-Cap ETF-Usd | Add +11.0% | 4.98% | +0.31 |
| VSS Vanguard Ftse All Wo X-US SC | Add +46.3% | 0.42% | +0.13 |
| VOO Vanguard S&P 500 ETF | Add +0.7% | 35.32% | +0.12 |
| IEFA iShares Core MSCI Eafe ETF | Add +0.8% | 10.25% | +0.06 |
| JNJ Johnson & Johnson | Add +1.9% | 0.34% | +0.03 |
| ETR Entergy Corp. | New | 0.03% | +0.03 |
| BRK.B Berkshire Hathaway Inc. Class B | Add +6.5% | 0.80% | +0.03 |
| DTE DTE Energy Company | Add +57.3% | 0.10% | +0.03 |
| CRM Salesforce Inc. | Add +5.5% | 0.21% | +0.03 |
| MRK Merck & Co. Inc. | Add +0.8% | 0.13% | +0.02 |
| WFC Wells Fargo & Co. | Add +3370.3% | 0.02% | +0.02 |
| LLY Eli Lilly & Co. | Add +0.1% | 0.09% | +0.02 |
| ADBE Adobe Inc. | Add +126.3% | 0.03% | +0.01 |
| ITOT iShares Core S&P Total U.S. | Add +101.2% | 0.03% | +0.01 |
| CLIP Global X 1-3 Month T-Bill | New | 0.01% | +0.01 |
| ARTY iShares Future AI & Tech ETF | Add +42.2% | 0.03% | +0.01 |
| XOM Exxon Mobil Corp. | Add +1.4% | 0.20% | +0.01 |
| CMI Cummins Inc. | Add +5.7% | 0.05% | +0.01 |
| VEA Vanguard Ftse Developed ETF | Add +8.1% | 0.11% | +0.01 |
| AGG iShares Core U.S. Aggregate | Add +3.2% | 10.71% | +0.01 |
| LULU Lululemon Athletica Inc. | Add +62.3% | 0.02% | +0.01 |
| BA The Boeing Co. | Add +88.7% | 0.02% | +0.01 |
| VTI VG Morningstar TS MKT ETF-US | Add +3.7% | 0.28% | +0.01 |
| CB Chubb Ltd. | Add +3.8% | 0.07% | +0.01 |
| MCO Moody's Corp. | Add +97.1% | 0.01% | +0.01 |
| VGT Vanguard Info Tech ETF | Add +4.1% | 0.32% | +0.01 |
| NVO Novo-Nordisk A/S-Spons ADR | Add +186.8% | 0.01% | +0.01 |
| IBM Intl Business Machines Corp. | Add +5.0% | 0.10% | +0.01 |
| KO The Coca-Cola Co. | Add +1.2% | 0.17% | +0.01 |
| FDX FedEx Corp. | New | 0.01% | +0.01 |
| RTX RTX Corp. | Add +3.3% | 0.06% | +0.01 |
| MFC Manulife Financial Corp. | Add +8.2% | 0.03% | +0.00 |
| UPS United Parcel Service Class B | Add +4.1% | 0.03% | +0.00 |
| QQQ Invesco QQQ Trust Series 1 | Add +4.4% | 0.12% | +0.00 |
| VIG Vanguard Dividend Apprec ETF | Add +5.1% | 0.12% | +0.00 |
| LUV Southwest Airlines Co. | Add +2.3% | 0.02% | +0.00 |
| PRCT Procept Biorobotics Corp. | New | 0.00% | +0.00 |
| DJT Trump Media & Technology Gro | Add +59.2% | 0.02% | +0.00 |
| APLD Applied Digital Corp. | New | 0.00% | +0.00 |
| CAT Caterpillar Inc. | Add +4.0% | 0.02% | +0.00 |
| JCI Johnson Controls Internation | Add +1.5% | 0.05% | +0.00 |
| CRWV Coreweave Inc. Class A | New | 0.00% | +0.00 |
| AAL American Airlines Group Inc. | Add +377.4% | 0.00% | +0.00 |
| GLD SPDR Gold Shares | Add +2.8% | 0.03% | +0.00 |
| ASML ASML Holding NV-NY Reg SHS | Add +4.9% | 0.03% | +0.00 |
| USAR USA Rare Earth Inc. | New | 0.00% | +0.00 |
| CEG Constellation Energy | Add +88.3% | 0.01% | +0.00 |
| GEV GE Vernova Inc. | Add +0.7% | 0.06% | +0.00 |
| GD General Dynamics Corp. | Add +220.7% | 0.00% | +0.00 |
| MRVL Marvell Technology Inc. | New | 0.00% | +0.00 |
Notes & Other Activity Q3 2025 → Q4 2025
| OPENL Opendoor Technologies Inc.-26 | *W EXP 11/20/202 | New | 66 | $35 |
| OPENZ Opendoor Technologies Inc.-26 | *W EXP 11/20/202 | New | 66 | $27 |
Bonds, preferreds, convertibles and warrants; not part of the stock holdings or percentages above.
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 |