Planning Alternatives Ltd.

Q2 2026Q1 2026Q4 2025Q3 2025Q2 2025Q1 2025Q3 2024Q2 2024Q1 2024

In its 13F for Q4 2024 (holdings as of December 31, 2024, filed February 6, 2025), Planning Alternatives Ltd. reported 61 stock positions worth $650.5 million. Its top holding was iShares Core S&P 500 ETF (IVV) at 36.9% of the portfolio, followed by iShares Core S&P Midcap ETF (IJH, 11.4%) and Vanguard Ftse Developed ETF (VEA, 10.0%). Compared with Q3 2024, it opened 5 new positions, sold out of 2, added to 18 and reduced 18. The biggest buy was iShares Core S&P Midcap ETF (IJH, shares +1%) and the biggest sale Schwab Intl Equity ETF (SCHF, shares −2%).

Most Recent 13F: Q2 2026
Location: BIRMINGHAM, MI
CIK: 0000712011
Portfolio Value: $650.5M (Q4 2024)
SEC Filing: 0001765380-25-000055 ↗ filed Feb 6, 2025

Holdings Value

Holdings 61 stocks · $650.5M


IVV iShares Core S&P 500 ETF	36.93%	408,087	$240.2M	Reduce -0.8%
IJH iShares Core S&P Midcap ETF	11.41%	1,190,768	$74.2M	Add +1.2%
VEA Vanguard Ftse Developed ETF	9.98%	1,358,164	$64.9M	Add +0.4%
JPUS JPMorgan Div Ret US Eq ETF	9.23%	526,199	$60.0M	Add +1.8%
VIG Vanguard Dividend Apprec ETF	7.68%	255,257	$50.0M	Add +1.2%
IJR iShares Core S&P Small-Cap E	5.46%	308,534	$35.5M	Add +0.7%
VUG Vanguard Mrngstar GR ETF-Sui	2.52%	39,905	$16.4M	Reduce -0.3%
SCHF Schwab Intl Equity ETF	2.09%	734,619	$13.6M	Reduce -1.6%
AAPL Apple Inc.	2.05%	53,324	$13.4M	Add +0.2%
SPY SS SPDR S&P 500 ETF Trust-US	1.66%	18,470	$10.8M	Reduce -4.2%
SCHX Schwab US Large-Cap ETF	1.56%	438,743	$10.2M	Reduce -3.4%
VTV Vanguard Mrngstr Val ETF-Aui	1.30%	50,135	$8.5M	No change
XCEM Columbia Em Core Ex-China	1.30%	286,673	$8.5M	Add +4.6%
ESGU iShares ESG Aware MSCI USA	0.59%	29,683	$3.8M	Add +5.4%
SCHB Schwab US Broad Market ETF	0.53%	151,333	$3.4M	Reduce -13.1%
VOO Vanguard S&P 500 ETF	0.49%	5,905	$3.2M	Add +0.4%
IWV iShares Russell 3000 ETF	0.39%	7,673	$2.6M	Reduce -0.6%
MSFT Microsoft Corp.	0.33%	5,118	$2.2M	Reduce -6.1%
VT Vanguard Tot World STK ETF	0.33%	18,320	$2.2M	Reduce -31.9%
DTE DTE Energy Company	0.29%	15,433	$1.9M	No change
SCHD Schwab US DVD Equity ETF	0.28%	66,558	$1.8M	Reduce -2.7%
EAGG iShares ESG Aware US Aggrega	0.25%	34,383	$1.6M	Add +18.1%
IWF iShares Russell 1000 Growth	0.24%	3,855	$1.5M	No change
ESGD iShares Trust iShares ESG Aw	0.20%	17,491	$1.3M	Add +10.0%
NEAR iShares SH Dba ETF Usd Inc.	0.19%	24,868	$1.3M	No change
PM Philip Morris International	0.18%	9,717	$1.2M	No change
IJS iShares S&P Small-Cap 600 Va	0.17%	10,251	$1.1M	No change
BRK.B Berkshire Hathaway Inc. Class B	0.16%	2,338	$1.1M	No change
ESML iShares ESG Aware MSCI USA S	0.15%	22,618	$951K	Add +6.5%
MDLZ Mondelez International Inc. Class A	0.12%	12,857	$768K	No change
MORN Morningstar Inc.	0.12%	2,254	$759K	No change
GGG Graco Inc.	0.11%	8,836	$745K	No change
SCHM Schwab US Mid Cap ETF	0.11%	25,664	$711K	Reduce -1.1%
COMP Compass Inc. Class A	0.10%	113,665	$665K	Reduce -30.6%
IBM Intl Business Machines Corp. filed as INTERNATIONAL BUSINESS MACHS	0.10%	2,869	$631K	No change
IBIT iShares Bitcoin Trust ETF	0.09%	11,584	$615K	New
BND Vanguard Total Bond Market	0.09%	8,330	$599K	Reduce -0.2%
IEFA iShares Core MSCI Eafe ETF	0.08%	7,647	$537K	Reduce -6.0%
QQQ Invesco QQQ Trust Series 1	0.07%	873	$446K	No change
AMZN Amazon.com Inc.	0.07%	1,998	$438K	Add +6.1%
LLY Eli Lilly & Co.	0.07%	565	$436K	Add +1.1%
LRCX Lam Research Corp.	0.07%	5,850	$423K	No change
F Ford Motor Co. filed as FORD MTR CO	0.06%	39,451	$391K	No change
SCHA Schwab US Small-Cap ETF	0.06%	14,878	$385K	Reduce -3.1%
VMO Invesco Municipal Opport	0.06%	39,000	$379K	No change
CAT Caterpillar Inc.	0.06%	989	$359K	Add +0.2%
NVDA Nvidia Corp.	0.05%	2,618	$352K	Add +7.1%
DGRO iShares Core Dividend Growth	0.05%	5,314	$326K	Reduce -1.4%
HON Honeywell International Inc.	0.05%	1,429	$323K	Add +2.4%
ITW Illinois Tool Works	0.05%	1,227	$311K	No change
VTI VG Morningstar TS MKT ETF-US	0.05%	1,069	$310K	New
PG The Procter & Gamble Co.	0.04%	1,561	$262K	Reduce -10.3%
CVX Chevron Corp.	0.04%	1,763	$255K	No change
IWD iShares Russell 1000 Value E	0.04%	1,373	$254K	No change
TSLA Tesla Inc.	0.04%	607	$245K	New
META Meta Platforms Inc. Class A	0.04%	412	$241K	Add +9.3%
JPM JPMorgan Chase & Co.	0.04%	976	$234K	No change
V Visa Inc. Class A	0.03%	680	$215K	New
ABBV Abbvie Inc.	0.03%	1,200	$213K	Reduce -15.8%
IVW iShares S&P 500 Growth ETF	0.03%	2,063	$209K	New
JPST JPMorgan Ultra-Short Income	0.03%	4,157	$209K	No change

Portfolio Sells Q3 2024 → Q4 2024


SCHF Schwab Intl Equity ETF	Reduce -1.6%	2.09%	−0.25
VT Vanguard Tot World STK ETF	Reduce -31.9%	0.33%	−0.16
SCHB Schwab US Broad Market ETF	Reduce -13.1%	0.53%	−0.06
COMP Compass Inc. Class A	Reduce -30.6%	0.10%	−0.05
PNC PNC Financial Services Group	Sold out	0.00%	−0.05
TXN Texas Instruments Inc.	Sold out	0.00%	−0.03
MSFT Microsoft Corp.	Reduce -6.1%	0.33%	−0.03
SPY SS SPDR S&P 500 ETF Trust-US	Reduce -4.2%	1.66%	−0.02
IEFA iShares Core MSCI Eafe ETF	Reduce -6.0%	0.08%	−0.01
SCHD Schwab US DVD Equity ETF	Reduce -2.7%	0.28%	−0.01
ABBV Abbvie Inc.	Reduce -15.8%	0.03%	−0.01
PG The Procter & Gamble Co.	Reduce -10.3%	0.04%	−0.01
BND Vanguard Total Bond Market	Reduce -0.2%	0.09%	−0.00
DGRO iShares Core Dividend Growth	Reduce -1.4%	0.05%	−0.00
SCHA Schwab US Small-Cap ETF	Reduce -3.1%	0.06%	−0.00
SCHX Schwab US Large-Cap ETF	Reduce -3.4%	1.56%	−0.00
SCHM Schwab US Mid Cap ETF	Reduce -1.1%	0.11%	−0.00
IWV iShares Russell 3000 ETF	Reduce -0.6%	0.39%	+0.01
VUG Vanguard Mrngstar GR ETF-Sui	Reduce -0.3%	2.52%	+0.18
IVV iShares Core S&P 500 ETF	Reduce -0.8%	36.93%	+0.81

Portfolio Buys Q3 2024 → Q4 2024


IJH iShares Core S&P Midcap ETF	Add +1.2%	11.41%	+0.25
AAPL Apple Inc.	Add +0.2%	2.05%	+0.17
IBIT iShares Bitcoin Trust ETF	New	0.09%	+0.09
VIG Vanguard Dividend Apprec ETF	Add +1.2%	7.68%	+0.08
VTI VG Morningstar TS MKT ETF-US	New	0.05%	+0.05
ESGU iShares ESG Aware MSCI USA	Add +5.4%	0.59%	+0.05
TSLA Tesla Inc.	New	0.04%	+0.04
V Visa Inc. Class A	New	0.03%	+0.03
IVW iShares S&P 500 Growth ETF	New	0.03%	+0.03
EAGG iShares ESG Aware US Aggrega	Add +18.1%	0.25%	+0.03
VOO Vanguard S&P 500 ETF	Add +0.4%	0.49%	+0.02
AMZN Amazon.com Inc.	Add +6.1%	0.07%	+0.01
ESML iShares ESG Aware MSCI USA S	Add +6.5%	0.15%	+0.01
IJR iShares Core S&P Small-Cap E	Add +0.7%	5.46%	+0.01
NVDA Nvidia Corp.	Add +7.1%	0.05%	+0.01
HON Honeywell International Inc.	Add +2.4%	0.05%	+0.01
META Meta Platforms Inc. Class A	Add +9.3%	0.04%	+0.00
ESGD iShares Trust iShares ESG Aw	Add +10.0%	0.20%	+0.00
CAT Caterpillar Inc.	Add +0.2%	0.06%	−0.00
LLY Eli Lilly & Co.	Add +1.1%	0.07%	−0.01
XCEM Columbia Em Core Ex-China	Add +4.6%	1.30%	−0.06
JPUS JPMorgan Div Ret US Eq ETF	Add +1.8%	9.23%	−0.18
VEA Vanguard Ftse Developed ETF	Add +0.4%	9.98%	−0.89

All Filings

Quarter	Positions	13F Reported Value	Top Holdings
Q2 2026	129	$932.6M	IVV, SPMO, IJH, VEA, IJR
Q1 2026	111	$774.8M	IVV, IJH, SPMO, VEA, IJR
Q4 2025	98	$793.9M	IVV, IJH, VEA, SPMO, VIG
Q3 2025	88	$778.7M	IVV, IJH, VEA, SPMO, VIG
Q2 2025	80	$718.6M	IVV, IJH, VEA, SPMO, VIG
Q1 2025	76	$652.3M	IVV, IJH, VEA, VIG, IJR
Q4 2024	61	$650.5M	IVV, IJH, VEA, JPUS, VIG
Q3 2024	58	$657.0M	IVV, IJH, VEA, JPUS, VIG
Q2 2024	58	$617.6M	IVV, IJH, VEA, JPUS, VIG
Q1 2024	49	$608.5M	IVV, IJH, VEA, JPUS, VIG