Lakeshore Financial Planning, Inc.
In its 13F for Q4 2025 (holdings as of December 31, 2025, filed February 17, 2026), Lakeshore Financial Planning, Inc. reported 86 stock positions worth $279.9 million. Its top holding was iShares Core S&P 500 ETF (IVV) at 20.3% of the portfolio, followed by Pgim Ultra Short Bond ETF (PULS, 13.4%) and SS Financial Select Sector (XLF, 8.4%). Compared with Q3 2025, it opened 7 new positions, sold out of 4, added to 44 and reduced 26. The biggest buy was Vanguard Health Care ETF (VHT, shares +2%) and the biggest sale Microsoft (MSFT, shares −0%).
- Most Recent 13F
- Q2 2026
- Location
- St. Clair Shores, MI
- CIK
- 0002000571
- Portfolio Value
- $279.9M (Q4 2025)
- SEC Filing
- 0001172661-26-000989 ↗ filed Feb 17, 2026
Holdings Value
Holdings 86 stocks · $279.9M
| IVV iShares Core S&P 500 ETF | 20.25% | 82,743 | $56.7M | Add +0.5% |
| PULS Pgim Ultra Short Bond ETF | 13.42% | 757,336 | $37.6M | Add +3.4% |
| XLF SS Financial Select Sector | 8.39% | 428,680 | $23.5M | Add +1.1% |
| VOO Vanguard S&P 500 ETF | 8.28% | 36,939 | $23.2M | Add +3.6% |
| DFLV Dim US Large Cap Value ETF | 6.31% | 516,378 | $17.7M | Reduce -0.3% |
| VHT Vanguard Health Care ETF | 5.77% | 56,129 | $16.2M | Add +2.2% |
| SCHD Schwab US DVD Equity ETF | 3.74% | 381,981 | $10.5M | Reduce -1.6% |
| MSFT Microsoft Corp. | 3.73% | 21,605 | $10.4M | Reduce -0.2% |
| AAPL Apple Inc. | 3.71% | 38,219 | $10.4M | Reduce -1.1% |
| DFAT Dimensional US Target Value | 2.62% | 123,072 | $7.3M | Reduce -0.7% |
| RSP Invesco S&P 500 Equal Weight | 2.60% | 37,939 | $7.3M | Reduce -3.9% |
| QQQ Invesco QQQ Trust Series 1 | 1.63% | 7,431 | $4.6M | Add +0.9% |
| IJR iShares Core S&P Small-Cap E | 1.62% | 37,832 | $4.5M | Add +1.0% |
| IYW iShares Ustechnology ETF | 1.34% | 18,751 | $3.7M | Add +23.0% |
| IWV iShares Russell 3000 ETF | 1.26% | 9,106 | $3.5M | Reduce -0.2% |
| DFIV Dimensional International Va | 1.19% | 66,536 | $3.3M | Add +0.7% |
| IVW iShares S&P 500 Growth ETF | 1.00% | 22,722 | $2.8M | Add +5.5% |
| JPM JPMorgan Chase & Co. | 0.97% | 8,421 | $2.7M | Reduce -0.0% |
| IJH iShares Core S&P Midcap ETF | 0.85% | 36,083 | $2.4M | Reduce -2.4% |
| IWM iShares Russell 2000 ETF | 0.71% | 8,117 | $2.0M | Add +0.0% |
| DFUS Dimensional US Eq MKT ETF | 0.68% | 25,502 | $1.9M | Reduce -2.8% |
| GOOG Alphabet Inc. Class C | 0.52% | 4,638 | $1.5M | Add +6.2% |
| SOFI Sofi Technologies Inc. | 0.39% | 41,465 | $1.1M | Add +27.3% |
| NVDA Nvidia Corp. | 0.38% | 5,693 | $1.1M | Add +21.8% |
| PAAA Pgim Aaa Clo ETF | 0.36% | 19,702 | $1.0M | No change |
| KO The Coca-Cola Co. | 0.27% | 10,632 | $743K | Reduce -2.7% |
| DTE DTE Energy Company | 0.27% | 5,753 | $742K | Add +0.1% |
| AMZN Amazon.com Inc. | 0.27% | 3,213 | $742K | Add +16.9% |
| SO The Southern Co. | 0.26% | 8,286 | $723K | Add +0.8% |
| MCD McDonald's Corp. | 0.26% | 2,349 | $718K | Reduce -3.5% |
| PSH Pgim Short Duration High YLD | 0.25% | 14,110 | $711K | Add +139.4% |
| BAC Bank of America Corp. filed as BANK AMERICA CORP | 0.24% | 12,305 | $677K | Add +0.9% |
| MGK Vngrd Mrgstr MG CP GR ETF-Ui | 0.23% | 1,533 | $633K | Add +2.5% |
| SPY SS SPDR S&P 500 ETF Trust-US | 0.23% | 924 | $630K | Add +3.4% |
| EFA iShares MSCI Eafe ETF | 0.21% | 6,068 | $583K | No change |
| HD Home Depot Inc. | 0.21% | 1,680 | $578K | Reduce -4.1% |
| NOC Northrop Grumman Corp. | 0.20% | 1,000 | $570K | Add +0.3% |
| CMA Comerica Inc. | 0.20% | 6,461 | $562K | Reduce -8.3% |
| ORCL Oracle Corp. | 0.20% | 2,873 | $560K | Add +42.7% |
| RKT Rocket Cos Inc. Class A | 0.19% | 27,527 | $533K | Add +83.5% |
| COST Costco Wholesale Corp. | 0.17% | 566 | $488K | Add +0.7% |
| CCC CCC Intelligent Solutions Ho | 0.17% | 58,520 | $465K | Reduce -41.3% |
| WM Waste Management Inc. | 0.16% | 2,030 | $446K | Add +3.0% |
| BRK.B Berkshire Hathaway Inc. Class B | 0.16% | 881 | $443K | Add +1.6% |
| JNJ Johnson & Johnson | 0.15% | 2,073 | $429K | Reduce -2.4% |
| PG The Procter & Gamble Co. | 0.15% | 2,957 | $424K | Add +4.7% |
| META Meta Platforms Inc. Class A | 0.14% | 606 | $400K | Add +2.5% |
| NFLX Netflix Inc. | 0.14% | 4,260 | $399K | New |
| CINF Cincinnati Financial Corp. | 0.14% | 2,328 | $380K | No change |
| IWF iShares Russell 1000 Growth | 0.13% | 777 | $368K | Reduce -11.6% |
| AFL Aflac Inc. | 0.13% | 3,269 | $360K | Add +0.1% |
| FITB Fifth Third Bancorp | 0.13% | 7,554 | $354K | Add +0.1% |
| SRE Sempra | 0.12% | 3,945 | $348K | Add +0.1% |
| GS Goldman Sachs Group Inc. | 0.12% | 392 | $345K | Reduce -9.9% |
| WMT Walmart Inc. | 0.12% | 3,051 | $340K | Add +15.3% |
| DTM DT Midstream Inc. | 0.12% | 2,809 | $336K | Reduce -2.2% |
| V Visa Inc. Class A | 0.12% | 924 | $324K | Add +9.7% |
| DAL Delta Air Lines Inc. | 0.11% | 4,533 | $315K | Add +0.1% |
| ABBV Abbvie Inc. | 0.11% | 1,371 | $313K | Add +2.5% |
| XOM Exxon Mobil Corp. | 0.10% | 2,438 | $293K | Add +17.6% |
| IBM Intl Business Machines Corp. filed as INTERNATIONAL BUSINESS MACHS | 0.10% | 968 | $287K | Reduce -4.7% |
| CVX Chevron Corp. | 0.10% | 1,869 | $285K | Add +2.1% |
| TSLA Tesla Inc. | 0.10% | 626 | $282K | No change |
| VIG Vanguard Dividend Apprec ETF | 0.10% | 1,244 | $273K | Add +3.8% |
| F Ford Motor Co. filed as FORD MTR CO | 0.10% | 20,369 | $267K | Reduce -1.9% |
| PFE Pfizer Inc. | 0.09% | 10,293 | $256K | Add +0.1% |
| IXUS iShares Core Intl Stock ETF | 0.09% | 3,024 | $256K | No change |
| DIS The Walt Disney Co. filed as DISNEY WALT CO | 0.09% | 2,185 | $249K | Add +0.1% |
| PM Philip Morris International | 0.09% | 1,547 | $248K | No change |
| TSCO Tractor Supply Company | 0.09% | 4,805 | $240K | No change |
| KMB Kimberly-Clark Corp. | 0.08% | 2,327 | $235K | Reduce -1.9% |
| VTIP Vanguard Short-Term Tips | 0.08% | 4,714 | $233K | Reduce -1.6% |
| AXP American Express Co. | 0.08% | 606 | $224K | New |
| XLY SS Consumer Disc Select Sect | 0.08% | 1,840 | $220K | Add +0.1% |
| SPYM Ste STR SPDR PT S&P 500 ETF | 0.08% | 2,713 | $218K | New |
| GLD SPDR Gold Shares | 0.08% | 547 | $217K | New |
| IWD iShares Russell 1000 Value E | 0.08% | 1,029 | $216K | Add +0.2% |
| GILD Gilead Sciences Inc. | 0.08% | 1,754 | $215K | New |
| NEE Nextera Energy Inc. | 0.08% | 2,662 | $214K | New |
| IUSG iShares Core S&P U.S. Growth | 0.08% | 1,265 | $212K | No change |
| MA Mastercard Inc. Class A | 0.08% | 371 | $212K | New |
| PEP Pepsico Inc. | 0.07% | 1,463 | $210K | Reduce -0.9% |
| MDLZ Mondelez International Inc. Class A | 0.07% | 3,775 | $203K | Reduce -12.6% |
| UNH Unitedhealth Group Inc. | 0.07% | 614 | $203K | Add +3.7% |
| MUB iShares National Muni Bond E | 0.07% | 1,892 | $203K | Reduce -3.8% |
| PRESURANCE HOLDINGS INC | 0.00% | 10,200 | $7K | No change |
Portfolio Sells Q3 2025 → Q4 2025
| MSFT Microsoft Corp. | Reduce -0.2% | 3.73% | −0.43 |
| SCHD Schwab US DVD Equity ETF | Reduce -1.6% | 3.74% | −0.19 |
| RSP Invesco S&P 500 Equal Weight | Reduce -3.9% | 2.60% | −0.18 |
| CCC CCC Intelligent Solutions Ho | Reduce -41.3% | 0.17% | −0.17 |
| EFX Equifax Inc. | Sold out | 0.00% | −0.08 |
| KR Kroger Co. | Sold out | 0.00% | −0.08 |
| VZ Verizon Communications Inc. | Sold out | 0.00% | −0.08 |
| DFAT Dimensional US Target Value | Reduce -0.7% | 2.62% | −0.06 |
| HD Home Depot Inc. | Reduce -4.1% | 0.21% | −0.06 |
| IJH iShares Core S&P Midcap ETF | Reduce -2.4% | 0.85% | −0.04 |
| DFUS Dimensional US Eq MKT ETF | Reduce -2.8% | 0.68% | −0.03 |
| MDLZ Mondelez International Inc. Class A | Reduce -12.6% | 0.07% | −0.03 |
| KMB Kimberly-Clark Corp. | Reduce -1.9% | 0.08% | −0.03 |
| IWV iShares Russell 3000 ETF | Reduce -0.2% | 1.26% | −0.02 |
| IWF iShares Russell 1000 Growth | Reduce -11.6% | 0.13% | −0.02 |
| MCD McDonald's Corp. | Reduce -3.5% | 0.26% | −0.02 |
| JPM JPMorgan Chase & Co. | Reduce -0.0% | 0.97% | −0.02 |
| DFLV Dim US Large Cap Value ETF | Reduce -0.3% | 6.31% | −0.01 |
| VTIP Vanguard Short-Term Tips | Reduce -1.6% | 0.08% | −0.01 |
| GS Goldman Sachs Group Inc. | Reduce -9.9% | 0.12% | −0.01 |
| MUB iShares National Muni Bond E | Reduce -3.8% | 0.07% | −0.01 |
| NAK Northern Dynasty Minerals | Sold out | 0.00% | −0.00 |
| IBM Intl Business Machines Corp. | Reduce -4.7% | 0.10% | −0.00 |
| KO The Coca-Cola Co. | Reduce -2.7% | 0.27% | −0.00 |
| PEP Pepsico Inc. | Reduce -0.9% | 0.07% | −0.00 |
| DTM DT Midstream Inc. | Reduce -2.2% | 0.12% | −0.00 |
| F Ford Motor Co. | Reduce -1.9% | 0.10% | +0.00 |
| JNJ Johnson & Johnson | Reduce -2.4% | 0.15% | +0.01 |
| CMA Comerica Inc. | Reduce -8.3% | 0.20% | +0.02 |
| AAPL Apple Inc. | Reduce -1.1% | 3.71% | +0.06 |
Portfolio Buys Q3 2025 → Q4 2025
| VHT Vanguard Health Care ETF | Add +2.2% | 5.77% | +0.48 |
| IYW iShares Ustechnology ETF | Add +23.0% | 1.34% | +0.23 |
| VOO Vanguard S&P 500 ETF | Add +3.6% | 8.28% | +0.17 |
| PSH Pgim Short Duration High YLD | Add +139.4% | 0.25% | +0.14 |
| NFLX Netflix Inc. | New | 0.14% | +0.14 |
| GOOG Alphabet Inc. Class C | Add +6.2% | 0.52% | +0.13 |
| RKT Rocket Cos Inc. Class A | Add +83.5% | 0.19% | +0.08 |
| AXP American Express Co. | New | 0.08% | +0.08 |
| SPYM Ste STR SPDR PT S&P 500 ETF | New | 0.08% | +0.08 |
| GLD SPDR Gold Shares | New | 0.08% | +0.08 |
| GILD Gilead Sciences Inc. | New | 0.08% | +0.08 |
| NEE Nextera Energy Inc. | New | 0.08% | +0.08 |
| MA Mastercard Inc. Class A | New | 0.08% | +0.08 |
| SOFI Sofi Technologies Inc. | Add +27.3% | 0.39% | +0.07 |
| NVDA Nvidia Corp. | Add +21.8% | 0.38% | +0.06 |
| DFIV Dimensional International Va | Add +0.7% | 1.19% | +0.05 |
| AMZN Amazon.com Inc. | Add +16.9% | 0.27% | +0.04 |
| IVW iShares S&P 500 Growth ETF | Add +5.5% | 1.00% | +0.04 |
| WMT Walmart Inc. | Add +15.3% | 0.12% | +0.02 |
| XOM Exxon Mobil Corp. | Add +17.6% | 0.10% | +0.02 |
| DAL Delta Air Lines Inc. | Add +0.1% | 0.11% | +0.02 |
| V Visa Inc. Class A | Add +9.7% | 0.12% | +0.01 |
| BAC Bank of America Corp. | Add +0.9% | 0.24% | +0.01 |
| SPY SS SPDR S&P 500 ETF Trust-US | Add +3.4% | 0.23% | +0.00 |
| MGK Vngrd Mrgstr MG CP GR ETF-Ui | Add +2.5% | 0.23% | +0.00 |
| VIG Vanguard Dividend Apprec ETF | Add +3.8% | 0.10% | +0.00 |
| FITB Fifth Third Bancorp | Add +0.1% | 0.13% | +0.00 |
| IWD iShares Russell 1000 Value E | Add +0.2% | 0.08% | −0.00 |
| WM Waste Management Inc. | Add +3.0% | 0.16% | −0.00 |
| ABBV Abbvie Inc. | Add +2.5% | 0.11% | −0.00 |
| XLY SS Consumer Disc Select Sect | Add +0.1% | 0.08% | −0.00 |
| BRK.B Berkshire Hathaway Inc. Class B | Add +1.6% | 0.16% | −0.00 |
| UNH Unitedhealth Group Inc. | Add +3.7% | 0.07% | −0.00 |
| CVX Chevron Corp. | Add +2.1% | 0.10% | −0.00 |
| DIS The Walt Disney Co. | Add +0.1% | 0.09% | −0.00 |
| PFE Pfizer Inc. | Add +0.1% | 0.09% | −0.01 |
| AFL Aflac Inc. | Add +0.1% | 0.13% | −0.01 |
| SRE Sempra | Add +0.1% | 0.12% | −0.01 |
| PG The Procter & Gamble Co. | Add +4.7% | 0.15% | −0.01 |
| QQQ Invesco QQQ Trust Series 1 | Add +0.9% | 1.63% | −0.01 |
| ORCL Oracle Corp. | Add +42.7% | 0.20% | −0.01 |
| IWM iShares Russell 2000 ETF | Add +0.0% | 0.71% | −0.01 |
| META Meta Platforms Inc. Class A | Add +2.5% | 0.14% | −0.02 |
| COST Costco Wholesale Corp. | Add +0.7% | 0.17% | −0.02 |
| NOC Northrop Grumman Corp. | Add +0.3% | 0.20% | −0.02 |
| IJR iShares Core S&P Small-Cap E | Add +1.0% | 1.62% | −0.03 |
| SO The Southern Co. | Add +0.8% | 0.26% | −0.03 |
| DTE DTE Energy Company | Add +0.1% | 0.27% | −0.04 |
| XLF SS Financial Select Sector | Add +1.1% | 8.39% | −0.09 |
| PULS Pgim Ultra Short Bond ETF | Add +3.4% | 13.42% | −0.12 |
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 |