Lakeshore Financial Planning, Inc.
In its 13F for Q1 2025 (holdings as of March 31, 2025, filed May 15, 2025), Lakeshore Financial Planning, Inc. reported 78 stock positions worth $240.1 million. Its top holding was iShares Core S&P 500 ETF (IVV) at 18.5% of the portfolio, followed by Pgim Ultra Short Bond ETF (PULS, 14.6%) and SS Financial Select Sector (XLF, 8.5%). Compared with Q4 2024, it opened 6 new positions, sold out of 7, added to 23 and reduced 31. The biggest buy was a new position in Vanguard Health Care ETF (VHT) and the biggest sale Dimensional US Target Value (DFAT, shares −54%).
- Most Recent 13F
- Q2 2026
- Location
- St. Clair Shores, MI
- CIK
- 0002000571
- Portfolio Value
- $240.1M (Q1 2025)
- SEC Filing
- 0001172661-25-002098 ↗ filed May 15, 2025
Holdings Value
Holdings 78 stocks · $240.1M
| IVV iShares Core S&P 500 ETF | 18.47% | 78,909 | $44.3M | Add +3.2% |
| PULS Pgim Ultra Short Bond ETF | 14.64% | 706,620 | $35.1M | Add +44.4% |
| XLF SS Financial Select Sector | 8.51% | 410,419 | $20.4M | Reduce -0.7% |
| VOO Vanguard S&P 500 ETF | 7.88% | 36,803 | $18.9M | Reduce -0.2% |
| DFLV Dim US Large Cap Value ETF | 7.61% | 597,822 | $18.3M | Add +2.3% |
| SCHD Schwab US DVD Equity ETF | 6.44% | 553,339 | $15.5M | Reduce -4.6% |
| VHT Vanguard Health Care ETF | 5.68% | 51,490 | $13.6M | New |
| AAPL Apple Inc. | 3.56% | 38,510 | $8.6M | Add +16.7% |
| MSFT Microsoft Corp. | 3.47% | 22,184 | $8.3M | Add +2.1% |
| RSP Invesco S&P 500 Equal Weight | 2.94% | 40,781 | $7.1M | Reduce -11.1% |
| DFAT Dimensional US Target Value | 2.77% | 129,214 | $6.7M | Reduce -53.5% |
| IJR iShares Core S&P Small-Cap E | 1.56% | 35,896 | $3.8M | Reduce -8.5% |
| QQQ Invesco QQQ Trust Series 1 | 1.40% | 7,148 | $3.4M | Add +0.1% |
| IWV iShares Russell 3000 ETF | 1.21% | 9,179 | $2.9M | Reduce -0.4% |
| DFIV Dimensional International Va | 1.06% | 64,957 | $2.6M | Reduce -68.4% |
| IJH iShares Core S&P Midcap ETF | 0.91% | 37,454 | $2.2M | Reduce -1.3% |
| JPM JPMorgan Chase & Co. | 0.86% | 8,380 | $2.1M | Reduce -19.9% |
| IWM iShares Russell 2000 ETF | 0.71% | 8,535 | $1.7M | Reduce -8.6% |
| DFUS Dimensional US Eq MKT ETF | 0.65% | 25,974 | $1.6M | Add +0.8% |
| IVW iShares S&P 500 Growth ETF | 0.49% | 12,804 | $1.2M | Add +19.1% |
| PAAA Pgim Aaa Clo ETF | 0.42% | 19,702 | $1.0M | New |
| CCC CCC Intelligent Solutions Ho | 0.37% | 99,620 | $900K | No change |
| KO The Coca-Cola Co. | 0.35% | 11,692 | $838K | Reduce -1.8% |
| DTE DTE Energy Company | 0.33% | 5,741 | $794K | Reduce -0.2% |
| MCD McDonald's Corp. | 0.32% | 2,430 | $759K | Reduce -3.8% |
| SO The Southern Co. | 0.31% | 8,113 | $746K | Add +0.6% |
| GOOG Alphabet Inc. Class C | 0.28% | 4,347 | $679K | Add +13.6% |
| SOFI Sofi Technologies Inc. | 0.26% | 53,715 | $625K | Reduce -22.9% |
| HD Home Depot Inc. | 0.25% | 1,628 | $597K | Add +0.1% |
| BAC Bank of America Corp. filed as BANK AMERICA CORP | 0.23% | 13,499 | $563K | Add +3.6% |
| COST Costco Wholesale Corp. | 0.22% | 562 | $532K | Reduce -15.9% |
| AMZN Amazon.com Inc. | 0.22% | 2,748 | $523K | No change |
| NOC Northrop Grumman Corp. | 0.21% | 997 | $510K | No change |
| PG The Procter & Gamble Co. | 0.21% | 2,914 | $497K | Add +0.7% |
| EFA iShares MSCI Eafe ETF | 0.21% | 6,068 | $496K | No change |
| BRK.B Berkshire Hathaway Inc. Class B | 0.19% | 867 | $462K | No change |
| WM Waste Management Inc. | 0.19% | 1,967 | $456K | No change |
| CMA Comerica Inc. | 0.18% | 7,248 | $428K | Add +2.0% |
| AFL Aflac Inc. | 0.18% | 3,798 | $422K | Reduce -0.2% |
| NVDA Nvidia Corp. | 0.17% | 3,716 | $403K | Reduce -5.1% |
| JNJ Johnson & Johnson | 0.16% | 2,346 | $389K | Reduce -16.6% |
| META Meta Platforms Inc. Class A | 0.16% | 666 | $384K | Reduce -10.1% |
| SPY SS SPDR S&P 500 ETF Trust-US | 0.16% | 678 | $379K | Reduce -10.9% |
| UNH Unitedhealth Group Inc. | 0.14% | 660 | $346K | No change |
| CINF Cincinnati Financial Corp. | 0.14% | 2,328 | $344K | No change |
| KMB Kimberly-Clark Corp. | 0.14% | 2,371 | $337K | No change |
| CVX Chevron Corp. | 0.14% | 1,955 | $327K | Reduce -26.8% |
| MDLZ Mondelez International Inc. Class A | 0.13% | 4,593 | $312K | Reduce -23.9% |
| FITB Fifth Third Bancorp | 0.12% | 7,542 | $296K | No change |
| V Visa Inc. Class A | 0.12% | 842 | $295K | Reduce -5.5% |
| IWF iShares Russell 1000 Growth | 0.12% | 792 | $286K | Reduce -6.9% |
| ORCL Oracle Corp. | 0.12% | 2,012 | $281K | No change |
| SRE Sempra | 0.12% | 3,928 | $280K | Add +0.1% |
| ABBV Abbvie Inc. | 0.12% | 1,328 | $278K | Add +0.1% |
| DTM DT Midstream Inc. | 0.12% | 2,869 | $277K | Add +0.0% |
| IYW iShares Ustechnology ETF | 0.11% | 1,956 | $275K | No change |
| TSCO Tractor Supply Company | 0.11% | 4,805 | $265K | No change |
| PFE Pfizer Inc. | 0.11% | 10,285 | $261K | Reduce -16.7% |
| IBM Intl Business Machines Corp. filed as INTERNATIONAL BUSINESS MACHS | 0.11% | 1,037 | $258K | Add +0.1% |
| XOM Exxon Mobil Corp. | 0.10% | 2,072 | $246K | Add +0.1% |
| PM Philip Morris International | 0.10% | 1,547 | $246K | Reduce -9.1% |
| MUB iShares National Muni Bond E | 0.10% | 2,319 | $245K | Reduce -9.4% |
| GS Goldman Sachs Group Inc. | 0.10% | 435 | $238K | Add +9.3% |
| VTIP Vanguard Short-Term Tips | 0.10% | 4,759 | $238K | No change |
| WMT Walmart Inc. | 0.10% | 2,647 | $232K | Reduce -6.3% |
| SBUX Starbucks Corp. | 0.09% | 2,292 | $225K | Add +0.1% |
| IXUS iShares Core Intl Stock ETF | 0.09% | 3,206 | $224K | No change |
| MGK Vngrd Mrgstr MG CP GR ETF-Ui | 0.09% | 721 | $223K | New |
| PEP Pepsico Inc. | 0.09% | 1,444 | $217K | Add +0.6% |
| DIS The Walt Disney Co. filed as DISNEY WALT CO | 0.09% | 2,181 | $215K | Add +0.1% |
| LLY Eli Lilly & Co. | 0.09% | 260 | $215K | New |
| NEE Nextera Energy Inc. | 0.09% | 2,968 | $210K | No change |
| VZ Verizon Communications Inc. | 0.09% | 4,635 | $210K | New |
| VIG Vanguard Dividend Apprec ETF | 0.09% | 1,067 | $207K | New |
| EFX Equifax Inc. | 0.09% | 847 | $206K | No change |
| F Ford Motor Co. filed as FORD MTR CO | 0.07% | 16,688 | $167K | Reduce -38.5% |
| RKT Rocket Cos Inc. Class A | 0.05% | 10,603 | $128K | Reduce -24.2% |
| PRESURANCE HOLDINGS INC filed as CONIFER HLDGS INC | 0.00% | 10,200 | $5K | No change |
Portfolio Sells Q4 2024 → Q1 2025
| DFAT Dimensional US Target Value | Reduce -53.5% | 2.77% | −3.83 |
| DFIV Dimensional International Va | Reduce -68.4% | 1.06% | −2.04 |
| VOO Vanguard S&P 500 ETF | Reduce -0.2% | 7.88% | −0.60 |
| RSP Invesco S&P 500 Equal Weight | Reduce -11.1% | 2.94% | −0.49 |
| IJR iShares Core S&P Small-Cap E | Reduce -8.5% | 1.56% | −0.37 |
| SCHD Schwab US DVD Equity ETF | Reduce -4.6% | 6.44% | −0.32 |
| JPM JPMorgan Chase & Co. | Reduce -19.9% | 0.86% | −0.21 |
| SOFI Sofi Technologies Inc. | Reduce -22.9% | 0.26% | −0.20 |
| IWM iShares Russell 2000 ETF | Reduce -8.6% | 0.71% | −0.17 |
| BLK BlackRock Inc. | Sold out | 0.00% | −0.11 |
| GNTX Gentex Corp. | Sold out | 0.00% | −0.11 |
| TSLA Tesla Inc. | Sold out | 0.00% | −0.11 |
| IWV iShares Russell 3000 ETF | Reduce -0.4% | 1.21% | −0.10 |
| IJH iShares Core S&P Midcap ETF | Reduce -1.3% | 0.91% | −0.10 |
| TGT Target Corp. | Sold out | 0.00% | −0.10 |
| XLY SS Consumer Disc Select Sect | Sold out | 0.00% | −0.09 |
| UPGD Invesco Bloomberg Analyst Ra | Sold out | 0.00% | −0.09 |
| NVDA Nvidia Corp. | Reduce -5.1% | 0.17% | −0.06 |
| NU Nu Holdings Ltd./Cayman Isl-A | Sold out | 0.00% | −0.05 |
| F Ford Motor Co. | Reduce -38.5% | 0.07% | −0.04 |
| COST Costco Wholesale Corp. | Reduce -15.9% | 0.22% | −0.04 |
| SPY SS SPDR S&P 500 ETF Trust-US | Reduce -10.9% | 0.16% | −0.03 |
| PFE Pfizer Inc. | Reduce -16.7% | 0.11% | −0.03 |
| CVX Chevron Corp. | Reduce -26.8% | 0.14% | −0.03 |
| IWF iShares Russell 1000 Growth | Reduce -6.9% | 0.12% | −0.03 |
| META Meta Platforms Inc. Class A | Reduce -10.1% | 0.16% | −0.03 |
| MDLZ Mondelez International Inc. Class A | Reduce -23.9% | 0.13% | −0.02 |
| MUB iShares National Muni Bond E | Reduce -9.4% | 0.10% | −0.01 |
| RKT Rocket Cos Inc. Class A | Reduce -24.2% | 0.05% | −0.01 |
| WMT Walmart Inc. | Reduce -6.3% | 0.10% | −0.01 |
| JNJ Johnson & Johnson | Reduce -16.6% | 0.16% | −0.01 |
| XLF SS Financial Select Sector | Reduce -0.7% | 8.51% | −0.01 |
| V Visa Inc. Class A | Reduce -5.5% | 0.12% | +0.00 |
| MCD McDonald's Corp. | Reduce -3.8% | 0.32% | +0.00 |
| AFL Aflac Inc. | Reduce -0.2% | 0.18% | +0.01 |
| PM Philip Morris International | Reduce -9.1% | 0.10% | +0.01 |
| KO The Coca-Cola Co. | Reduce -1.8% | 0.35% | +0.03 |
| DTE DTE Energy Company | Reduce -0.2% | 0.33% | +0.03 |
Portfolio Buys Q4 2024 → Q1 2025
| VHT Vanguard Health Care ETF | New | 5.68% | +5.68 |
| PULS Pgim Ultra Short Bond ETF | Add +44.4% | 14.64% | +4.29 |
| PAAA Pgim Aaa Clo ETF | New | 0.42% | +0.42 |
| DFLV Dim US Large Cap Value ETF | Add +2.3% | 7.61% | +0.12 |
| MGK Vngrd Mrgstr MG CP GR ETF-Ui | New | 0.09% | +0.09 |
| LLY Eli Lilly & Co. | New | 0.09% | +0.09 |
| VZ Verizon Communications Inc. | New | 0.09% | +0.09 |
| VIG Vanguard Dividend Apprec ETF | New | 0.09% | +0.09 |
| AAPL Apple Inc. | Add +16.7% | 3.56% | +0.04 |
| IVW iShares S&P 500 Growth ETF | Add +19.1% | 0.49% | +0.03 |
| SO The Southern Co. | Add +0.6% | 0.31% | +0.03 |
| ABBV Abbvie Inc. | Add +0.1% | 0.12% | +0.02 |
| IBM Intl Business Machines Corp. | Add +0.1% | 0.11% | +0.01 |
| XOM Exxon Mobil Corp. | Add +0.1% | 0.10% | +0.01 |
| SBUX Starbucks Corp. | Add +0.1% | 0.09% | +0.00 |
| GS Goldman Sachs Group Inc. | Add +9.3% | 0.10% | +0.00 |
| PG The Procter & Gamble Co. | Add +0.7% | 0.21% | −0.00 |
| PEP Pepsico Inc. | Add +0.6% | 0.09% | −0.00 |
| DTM DT Midstream Inc. | Add +0.0% | 0.12% | −0.01 |
| CMA Comerica Inc. | Add +2.0% | 0.18% | −0.01 |
| BAC Bank of America Corp. | Add +3.6% | 0.23% | −0.01 |
| DIS The Walt Disney Co. | Add +0.1% | 0.09% | −0.01 |
| HD Home Depot Inc. | Add +0.1% | 0.25% | −0.02 |
| GOOG Alphabet Inc. Class C | Add +13.6% | 0.28% | −0.03 |
| SRE Sempra | Add +0.1% | 0.12% | −0.03 |
| DFUS Dimensional US Eq MKT ETF | Add +0.8% | 0.65% | −0.05 |
| QQQ Invesco QQQ Trust Series 1 | Add +0.1% | 1.40% | −0.16 |
| MSFT Microsoft Corp. | Add +2.1% | 3.47% | −0.44 |
| IVV iShares Core S&P 500 ETF | Add +3.2% | 18.47% | −0.74 |
All Filings
| Quarter | Positions | 13F Reported Value | Top Holdings |
|---|---|---|---|
| Q2 2026 | 92 | $310.7M | IVV, PULS, DFLV, VOO, XLF |
| Q1 2026 | 85 | $275.8M | IVV, PULS, DFLV, XLF, VOO |
| Q4 2025 | 86 | $279.9M | IVV, PULS, XLF, VOO, DFLV |
| Q3 2025 | 83 | $269.4M | IVV, PULS, XLF, VOO, DFLV |
| Q2 2025 | 77 | $248.8M | IVV, PULS, XLF, VOO, DFLV |
| Q1 2025 | 78 | $240.1M | IVV, PULS, XLF, VOO, DFLV |
| Q4 2024 | 79 | $234.4M | IVV, PULS, XLF, VOO, DFLV |
| Q3 2024 | 74 | $227.0M | IVV, VOO, PULS, XLF, DFLV |
| Q2 2024 | 68 | $204.8M | IVV, DFLV, VOO, DFIV, XLF |
| Q1 2024 | 68 | $197.6M | IVV, DFLV, DFIV, XLF, VOO |