Lakeshore Financial Planning, Inc.

In its 13F for Q3 2025 (holdings as of September 30, 2025, filed November 14, 2025), Lakeshore Financial Planning, Inc. reported 83 stock positions worth $269.4 million. Its top holding was iShares Core S&P 500 ETF (IVV) at 20.5% of the portfolio, followed by Pgim Ultra Short Bond ETF (PULS, 13.5%) and SS Financial Select Sector (XLF, 8.5%). Compared with Q2 2025, it opened 8 new positions, sold out of 2, added to 27 and reduced 28. The biggest buy was Pgim Ultra Short Bond ETF (PULS, shares +14%) and the biggest sale Vanguard S&P 500 ETF (VOO, shares −4%).

Most Recent 13F
Q2 2026
Location
St. Clair Shores, MI
CIK
0002000571
Portfolio Value
$269.4M (Q3 2025)
SEC Filing
0001172661-25-004916 ↗ filed Nov 14, 2025

Holdings Value

0$100.0M$200.0M$300.0M$400.0M Q1 2024: $197.6M Q1 2024 Q2 2024: $204.8M Q2 2024 Q3 2024: $227.0M Q3 2024 Q4 2024: $234.4M Q4 2024 Q1 2025: $240.1M Q1 2025 Q2 2025: $248.8M Q2 2025 Q3 2025: $269.4M $269.4M Q3 2025 Q4 2025: $279.9M Q4 2025 Q1 2026: $275.8M Q1 2026 Q2 2026: $310.7M Q2 2026

Holdings 83 stocks · $269.4M
IVV iShares Core S&P 500 ETF 20.45% 82,339 $55.1M Add +0.5%
PULS Pgim Ultra Short Bond ETF 13.54% 732,162 $36.5M Add +14.4%
XLF SS Financial Select Sector 8.48% 423,944 $22.8M Add +1.2%
VOO Vanguard S&P 500 ETF 8.11% 35,665 $21.8M Reduce -3.8%
DFLV Dim US Large Cap Value ETF 6.32% 517,987 $17.0M Add +2.0%
VHT Vanguard Health Care ETF 5.29% 54,909 $14.3M Add +2.3%
MSFT Microsoft Corp. 4.16% 21,651 $11.2M Reduce -1.3%
SCHD Schwab US DVD Equity ETF 3.93% 388,009 $10.6M Reduce -1.4%
AAPL Apple Inc. 3.65% 38,645 $9.8M Reduce -1.2%
RSP Invesco S&P 500 Equal Weight 2.78% 39,487 $7.5M Reduce -2.1%
DFAT Dimensional US Target Value 2.68% 123,911 $7.2M Add +0.6%
IJR iShares Core S&P Small-Cap E 1.65% 37,474 $4.5M Add +3.9%
QQQ Invesco QQQ Trust Series 1 1.64% 7,366 $4.4M Reduce -1.5%
IWV iShares Russell 3000 ETF 1.28% 9,124 $3.5M Reduce -0.3%
DFIV Dimensional International Va 1.13% 66,101 $3.0M Add +1.7%
IYW iShares Ustechnology ETF 1.11% 15,243 $3.0M Reduce -6.0%
JPM JPMorgan Chase & Co. 0.99% 8,422 $2.7M Add +0.1%
IVW iShares S&P 500 Growth ETF 0.96% 21,528 $2.6M Reduce -3.2%
IJH iShares Core S&P Midcap ETF 0.90% 36,984 $2.4M Reduce -0.7%
IWM iShares Russell 2000 ETF 0.73% 8,116 $2.0M Reduce -4.7%
DFUS Dimensional US Eq MKT ETF 0.71% 26,239 $1.9M Reduce -7.1%
GOOG Alphabet Inc. Class C 0.39% 4,366 $1.1M Add +7.1%
PAAA Pgim Aaa Clo ETF 0.38% 19,702 $1.0M No change
CCC CCC Intelligent Solutions Ho 0.34% 99,620 $908K No change
NVDA Nvidia Corp. 0.32% 4,674 $872K Reduce -17.3%
SOFI Sofi Technologies Inc. 0.32% 32,565 $860K Reduce -10.8%
DTE DTE Energy Company 0.30% 5,748 $813K Add +0.0%
SO The Southern Co. 0.29% 8,224 $779K Add +0.7%
MCD McDonald's Corp. 0.27% 2,435 $740K Reduce -0.4%
KO The Coca-Cola Co. 0.27% 10,930 $725K Reduce -3.4%
HD Home Depot Inc. 0.26% 1,752 $710K Add +6.7%
BAC Bank of America Corp. filed as BANK AMERICA CORP 0.23% 12,196 $629K Reduce -7.0%
NOC Northrop Grumman Corp. 0.23% 997 $607K No change
AMZN Amazon.com Inc. 0.22% 2,748 $603K No change
MGK Vngrd Mrgstr MG CP GR ETF-Ui 0.22% 1,496 $602K Add +107.5%
SPY SS SPDR S&P 500 ETF Trust-US 0.22% 894 $596K Reduce -6.8%
EFA iShares MSCI Eafe ETF 0.21% 6,068 $567K No change
ORCL Oracle Corp. 0.21% 2,013 $566K No change
COST Costco Wholesale Corp. 0.19% 562 $521K No change
CMA Comerica Inc. 0.18% 7,042 $483K Add +0.7%
BRK.B Berkshire Hathaway Inc. Class B 0.16% 867 $436K No change
WM Waste Management Inc. 0.16% 1,970 $435K Add +0.1%
PG The Procter & Gamble Co. 0.16% 2,824 $434K Reduce -3.9%
META Meta Platforms Inc. Class A 0.16% 591 $434K Reduce -9.8%
IWF iShares Russell 1000 Growth 0.15% 879 $412K Reduce -1.7%
JNJ Johnson & Johnson 0.15% 2,124 $394K Reduce -3.9%
CINF Cincinnati Financial Corp. 0.14% 2,328 $368K No change
AFL Aflac Inc. 0.14% 3,266 $365K Reduce -9.6%
SRE Sempra 0.13% 3,940 $355K Add +0.1%
GS Goldman Sachs Group Inc. 0.13% 435 $346K No change
FITB Fifth Third Bancorp 0.12% 7,550 $336K Add +0.0%
DTM DT Midstream Inc. 0.12% 2,873 $325K Add +0.0%
ABBV Abbvie Inc. 0.12% 1,337 $310K Add +0.2%
PSH Pgim Short Duration High YLD 0.11% 5,893 $299K New
KMB Kimberly-Clark Corp. 0.11% 2,373 $295K Add +0.1%
RKT Rocket Cos Inc. Class A 0.11% 15,000 $291K Reduce -18.9%
V Visa Inc. Class A 0.11% 842 $287K No change
IBM Intl Business Machines Corp. filed as INTERNATIONAL BUSINESS MACHS 0.11% 1,016 $287K Add +0.2%
CVX Chevron Corp. 0.11% 1,830 $284K No change
TSLA Tesla Inc. 0.10% 626 $278K New
TSCO Tractor Supply Company 0.10% 4,805 $273K No change
WMT Walmart Inc. 0.10% 2,647 $273K No change
MDLZ Mondelez International Inc. Class A 0.10% 4,319 $270K Reduce -6.0%
PFE Pfizer Inc. 0.10% 10,288 $262K Add +0.2%
VIG Vanguard Dividend Apprec ETF 0.10% 1,198 $259K Add +7.3%
DAL Delta Air Lines Inc. 0.10% 4,530 $257K Add +0.0%
PM Philip Morris International 0.09% 1,547 $251K No change
DIS The Walt Disney Co. filed as DISNEY WALT CO 0.09% 2,182 $250K No change
IXUS iShares Core Intl Stock ETF 0.09% 3,024 $250K Reduce -5.7%
F Ford Motor Co. filed as FORD MTR CO 0.09% 20,764 $248K Add +25.3%
VTIP Vanguard Short-Term Tips 0.09% 4,791 $243K Add +0.5%
XOM Exxon Mobil Corp. 0.09% 2,074 $234K No change
XLY SS Consumer Disc Select Sect 0.08% 919 $220K New
EFX Equifax Inc. 0.08% 847 $217K No change
KR Kroger Co. 0.08% 3,127 $211K New
MUB iShares National Muni Bond E 0.08% 1,967 $209K Reduce -9.3%
IWD iShares Russell 1000 Value E 0.08% 1,027 $209K New
IUSG iShares Core S&P U.S. Growth 0.08% 1,265 $208K New
PEP Pepsico Inc. 0.08% 1,477 $208K New
UNH Unitedhealth Group Inc. 0.08% 592 $205K Reduce -10.6%
VZ Verizon Communications Inc. 0.08% 4,629 $203K No change
PRESURANCE HOLDINGS INC 0.00% 10,200 $12K No change
NAK Northern Dynasty Minerals 0.00% 10,000 $12K New

Portfolio Sells Q2 2025 → Q3 2025
VOO Vanguard S&P 500 ETF Reduce -3.8% 8.11% −0.36
SCHD Schwab US DVD Equity ETF Reduce -1.4% 3.93% −0.26
MSFT Microsoft Corp. Reduce -1.3% 4.16% −0.22
RSP Invesco S&P 500 Equal Weight Reduce -2.1% 2.78% −0.17
LLY Eli Lilly & Co. Sold out 0.00% −0.11
SBUX Starbucks Corp. Sold out 0.00% −0.08
DFUS Dimensional US Eq MKT ETF Reduce -7.1% 0.71% −0.06
KO The Coca-Cola Co. Reduce -3.4% 0.27% −0.05
NVDA Nvidia Corp. Reduce -17.3% 0.32% −0.04
META Meta Platforms Inc. Class A Reduce -9.8% 0.16% −0.03
IJH iShares Core S&P Midcap ETF Reduce -0.7% 0.90% −0.03
PG The Procter & Gamble Co. Reduce -3.9% 0.16% −0.03
MDLZ Mondelez International Inc. Class A Reduce -6.0% 0.10% −0.02
IYW iShares Ustechnology ETF Reduce -6.0% 1.11% −0.02
IVW iShares S&P 500 Growth ETF Reduce -3.2% 0.96% −0.02
AFL Aflac Inc. Reduce -9.6% 0.14% −0.02
SPY SS SPDR S&P 500 ETF Trust-US Reduce -6.8% 0.22% −0.02
QQQ Invesco QQQ Trust Series 1 Reduce -1.5% 1.64% −0.02
BAC Bank of America Corp. Reduce -7.0% 0.23% −0.02
MUB iShares National Muni Bond E Reduce -9.3% 0.08% −0.01
MCD McDonald's Corp. Reduce -0.4% 0.27% −0.01
IWM iShares Russell 2000 ETF Reduce -4.7% 0.73% −0.01
IWV iShares Russell 3000 ETF Reduce -0.3% 1.28% −0.01
UNH Unitedhealth Group Inc. Reduce -10.6% 0.08% −0.01
IXUS iShares Core Intl Stock ETF Reduce -5.7% 0.09% −0.01
IWF iShares Russell 1000 Growth Reduce -1.7% 0.15% +0.00
RKT Rocket Cos Inc. Class A Reduce -18.9% 0.11% +0.00
JNJ Johnson & Johnson Reduce -3.9% 0.15% +0.01
SOFI Sofi Technologies Inc. Reduce -10.8% 0.32% +0.05
AAPL Apple Inc. Reduce -1.2% 3.65% +0.43

Portfolio Buys Q2 2025 → Q3 2025
PULS Pgim Ultra Short Bond ETF Add +14.4% 13.54% +0.74
MGK Vngrd Mrgstr MG CP GR ETF-Ui Add +107.5% 0.22% +0.12
PSH Pgim Short Duration High YLD New 0.11% +0.11
GOOG Alphabet Inc. Class C Add +7.1% 0.39% +0.10
TSLA Tesla Inc. New 0.10% +0.10
XLY SS Consumer Disc Select Sect New 0.08% +0.08
KR Kroger Co. New 0.08% +0.08
IWD iShares Russell 1000 Value E New 0.08% +0.08
IUSG iShares Core S&P U.S. Growth New 0.08% +0.08
PEP Pepsico Inc. New 0.08% +0.08
IJR iShares Core S&P Small-Cap E Add +3.9% 1.65% +0.07
HD Home Depot Inc. Add +6.7% 0.26% +0.02
F Ford Motor Co. Add +25.3% 0.09% +0.02
ABBV Abbvie Inc. Add +0.2% 0.12% +0.02
DFIV Dimensional International Va Add +1.7% 1.13% +0.01
SRE Sempra Add +0.1% 0.13% +0.01
CMA Comerica Inc. Add +0.7% 0.18% +0.01
DFAT Dimensional US Target Value Add +0.6% 2.68% +0.01
IVV iShares Core S&P 500 ETF Add +0.5% 20.45% +0.01
DAL Delta Air Lines Inc. Add +0.0% 0.10% +0.01
JPM JPMorgan Chase & Co. Add +0.1% 0.99% +0.01
NAK Northern Dynasty Minerals New 0.00% +0.00
VIG Vanguard Dividend Apprec ETF Add +7.3% 0.10% +0.00
FITB Fifth Third Bancorp Add +0.0% 0.12% +0.00
PFE Pfizer Inc. Add +0.2% 0.10% −0.00
DTE DTE Energy Company Add +0.0% 0.30% −0.00
DTM DT Midstream Inc. Add +0.0% 0.12% −0.01
VTIP Vanguard Short-Term Tips Add +0.5% 0.09% −0.01
DFLV Dim US Large Cap Value ETF Add +2.0% 6.32% −0.01
SO The Southern Co. Add +0.7% 0.29% −0.01
KMB Kimberly-Clark Corp. Add +0.1% 0.11% −0.01
IBM Intl Business Machines Corp. Add +0.2% 0.11% −0.01
WM Waste Management Inc. Add +0.1% 0.16% −0.02
VHT Vanguard Health Care ETF Add +2.3% 5.29% −0.07
XLF SS Financial Select Sector Add +1.2% 8.48% −0.34

All Filings

QuarterPositions13F Reported ValueTop Holdings
Q2 2026 92$310.7MIVV, PULS, DFLV, VOO, XLF
Q1 2026 85$275.8MIVV, PULS, DFLV, XLF, VOO
Q4 2025 86$279.9MIVV, PULS, XLF, VOO, DFLV
Q3 2025 83$269.4MIVV, PULS, XLF, VOO, DFLV
Q2 2025 77$248.8MIVV, PULS, XLF, VOO, DFLV
Q1 2025 78$240.1MIVV, PULS, XLF, VOO, DFLV
Q4 2024 79$234.4MIVV, PULS, XLF, VOO, DFLV
Q3 2024 74$227.0MIVV, VOO, PULS, XLF, DFLV
Q2 2024 68$204.8MIVV, DFLV, VOO, DFIV, XLF
Q1 2024 68$197.6MIVV, DFLV, DFIV, XLF, VOO