Planning Alternatives Ltd.

In its 13F for Q4 2025 (holdings as of December 31, 2025, filed February 6, 2026), Planning Alternatives Ltd. reported 98 stock positions worth $793.9 million. Its top holding was iShares Core S&P 500 ETF (IVV) at 35.8% of the portfolio, followed by iShares Core S&P Midcap ETF (IJH, 10.6%) and Vanguard Ftse Developed ETF (VEA, 10.1%). Compared with Q3 2025, it opened 13 new positions, sold out of 3, added to 49 and reduced 29. The biggest buy was Apple (AAPL, shares +2%) and the biggest sale iShares Core S&P 500 ETF (IVV, shares −1%).

Most Recent 13F
Q2 2026
Location
BIRMINGHAM, MI
CIK
0000712011
Portfolio Value
$793.9M (Q4 2025)
SEC Filing
0001765380-26-000076 ↗ filed Feb 6, 2026

Holdings Value

0$200.0M$400.0M$600.0M$800.0M$1.0B Q1 2024: $608.5M Q1 2024 Q2 2024: $617.6M Q2 2024 Q3 2024: $657.0M Q3 2024 Q4 2024: $650.5M Q4 2024 Q1 2025: $652.3M Q1 2025 Q2 2025: $718.6M Q2 2025 Q3 2025: $778.7M Q3 2025 Q4 2025: $793.9M $793.9M Q4 2025 Q1 2026: $774.8M Q1 2026 Q2 2026: $932.6M Q2 2026

Holdings 98 stocks · $793.9M
IVV iShares Core S&P 500 ETF 35.76% 414,533 $283.9M Reduce -1.3%
IJH iShares Core S&P Midcap ETF 10.58% 1,273,105 $84.0M Add +0.4%
VEA Vanguard Ftse Developed ETF 10.11% 1,285,360 $80.3M Reduce -1.4%
SPMO Invesco S&P 500 Momentum ETF 9.10% 605,494 $72.2M Add +1.1%
VIG Vanguard Dividend Apprec ETF 7.41% 267,563 $58.8M Reduce -0.6%
IJR iShares Core S&P Small-Cap E 5.28% 348,630 $41.9M Add +0.3%
VUG Vanguard Mrngstar GR ETF-Sui 2.24% 36,494 $17.8M Reduce -2.2%
AAPL Apple Inc. 2.10% 61,329 $16.7M Add +1.6%
SCHF Schwab Intl Equity ETF 2.04% 674,054 $16.2M Reduce -1.2%
XCEM Columbia Em Core Ex-China 1.57% 324,397 $12.4M Reduce -1.5%
SPY SS SPDR S&P 500 ETF Trust-US 1.41% 16,374 $11.2M Reduce -6.2%
SCHX Schwab US Large-Cap ETF 1.20% 354,436 $9.5M Reduce -4.9%
VTV Vanguard Mrngstr Val ETF-Aui 1.09% 45,331 $8.7M Reduce -3.9%
ESGU iShares ESG Aware MSCI USA 0.67% 35,770 $5.3M Add +9.9%
VOO Vanguard S&P 500 ETF 0.57% 7,257 $4.6M Add +0.3%
MSFT Microsoft Corp. 0.55% 9,059 $4.4M Add +0.7%
SCHB Schwab US Broad Market ETF 0.53% 159,117 $4.2M Reduce -1.8%
NVDA Nvidia Corp. 0.47% 19,905 $3.7M Add +11.0%
IWV iShares Russell 3000 ETF 0.37% 7,556 $2.9M Reduce -0.7%
EAGG iShares ESG Aware US Aggrega 0.28% 46,782 $2.2M Add +12.3%
DTE DTE Energy Company 0.25% 15,606 $2.0M Add +0.2%
IWF iShares Russell 1000 Growth 0.23% 3,855 $1.8M No change
BND Vanguard Total Bond Market 0.23% 24,621 $1.8M Reduce -0.2%
AMZN Amazon.com Inc. 0.22% 7,426 $1.7M Add +8.9%
SCHD Schwab US DVD Equity ETF 0.21% 61,540 $1.7M Reduce -1.6%
ESGD iShares Trust iShares ESG Aw 0.21% 17,665 $1.7M Add +8.1%
PM Philip Morris International 0.20% 9,872 $1.6M Reduce -6.8%
JPUS JPMorgan Div Ret US Eq ETF 0.19% 12,079 $1.5M Reduce -19.5%
BRK.B Berkshire Hathaway Inc. Class B 0.19% 2,942 $1.5M Add +24.7%
ESML iShares ESG Aware MSCI USA S 0.17% 29,097 $1.3M Add +10.4%
IEFA iShares Core MSCI Eafe ETF 0.16% 14,587 $1.3M Add +107.8%
GOOGL Alphabet Inc. Class A 0.16% 4,162 $1.3M Add +14.7%
MUB iShares National Muni Bond E 0.16% 11,896 $1.3M No change
LRCX Lam Research Corp. 0.15% 7,091 $1.2M Add +1.2%
IBIT iShares Bitcoin Trust ETF 0.15% 23,538 $1.2M Add +0.6%
IJS iShares S&P Small-Cap 600 Va 0.15% 10,251 $1.2M No change
NEAR iShares SH Dba ETF Usd Inc. 0.14% 21,997 $1.1M No change
AVGO Broadcom Inc. 0.14% 3,137 $1.1M Add +44.7%
IBM Intl Business Machines Corp. filed as INTERNATIONAL BUSINESS MACHS 0.13% 3,433 $1.0M Add +1.3%
GOOG Alphabet Inc. Class C 0.13% 3,220 $1.0M Add +16.4%
TSLA Tesla Inc. 0.13% 2,224 $1.0M Add +30.2%
V Visa Inc. Class A 0.12% 2,796 $981K Add +195.6%
JPM JPMorgan Chase & Co. 0.12% 3,002 $967K Add +4.7%
LLY Eli Lilly & Co. 0.12% 887 $953K Add +50.1%
CAT Caterpillar Inc. 0.11% 1,477 $846K Add +3.5%
ISRG Intuitive Surgical Inc. 0.10% 1,340 $759K New
ABBV Abbvie Inc. 0.09% 3,282 $750K Add +33.3%
SCHM Schwab US Mid Cap ETF 0.09% 24,531 $738K Reduce -2.4%
MDLZ Mondelez International Inc. Class A 0.09% 13,254 $713K Add +2.0%
VMO Invesco Municipal Opport 0.09% 73,000 $699K No change
VTI VG Morningstar TS MKT ETF-US 0.09% 2,066 $693K No change
GGG Graco Inc. 0.09% 8,244 $676K Reduce -2.3%
MCO Moody's Corp. 0.08% 1,215 $621K New
F Ford Motor Co. filed as FORD MTR CO 0.07% 41,881 $549K Add +0.9%
QQQ Invesco QQQ Trust Series 1 0.07% 891 $547K Add +2.1%
COMP Compass Inc. Class A 0.07% 50,000 $529K Reduce -64.2%
MORN Morningstar Inc. 0.06% 2,358 $512K Reduce -1.4%
CVX Chevron Corp. 0.06% 3,281 $500K Add +15.0%
META Meta Platforms Inc. Class A 0.06% 748 $494K Reduce -52.0%
HD Home Depot Inc. 0.06% 1,305 $449K Reduce -7.1%
NFLX Netflix Inc. 0.05% 4,528 $425K Add +12.4%
JNJ Johnson & Johnson 0.05% 2,048 $424K Add +8.2%
ITOT iShares Core S&P Total U.S. 0.05% 2,847 $423K Add +0.3%
MA Mastercard Inc. Class A 0.05% 739 $422K Add +49.9%
SCHA Schwab US Small-Cap ETF 0.05% 14,468 $412K Reduce -0.8%
AXP American Express Co. 0.05% 1,090 $403K Add +9.1%
ITW Illinois Tool Works 0.05% 1,558 $384K Add +2.6%
IAU iShares Gold Trust 0.05% 4,639 $377K New
DGRO iShares Core Dividend Growth 0.04% 5,119 $355K Reduce -1.9%
XOM Exxon Mobil Corp. 0.04% 2,909 $350K Add +18.5%
TMO Thermo Fisher Scientific Inc. 0.04% 597 $346K Add +6.6%
PLTR Palantir Technologies Inc. Class A 0.04% 1,859 $330K Add +13.8%
GE General Electric filed as GE AEROSPACE 0.04% 1,027 $316K Add +8.3%
INTU Intuit Inc. 0.04% 461 $306K Reduce -8.5%
CSCO Cisco Systems Inc. 0.04% 3,962 $305K Reduce -20.5%
HON Honeywell International Inc. 0.04% 1,476 $288K Reduce -29.4%
LIN Linde PLC 0.04% 664 $283K Add +11.6%
PG The Procter & Gamble Co. 0.04% 1,954 $280K Add +25.2%
ORCL Oracle Corp. 0.03% 1,379 $269K Add +16.7%
GS Goldman Sachs Group Inc. 0.03% 285 $251K New
C Citigroup Inc. 0.03% 2,107 $246K New
WMT Walmart Inc. 0.03% 2,158 $240K Add +10.6%
MCD McDonald's Corp. 0.03% 785 $240K Add +18.8%
DIS The Walt Disney Co. filed as DISNEY WALT CO 0.03% 1,997 $227K Add +7.7%
BAC Bank of America Corp. filed as BANK AMERICA CORP 0.03% 4,080 $224K New
MRK Merck & Co. Inc. 0.03% 2,127 $224K New
CATH Global X S&P 500 Ca Val ETF 0.03% 2,718 $223K Reduce -4.8%
JPST JPMorgan Ultra-Short Income 0.03% 4,157 $210K No change
COST Costco Wholesale Corp. 0.03% 243 $210K Add +1.3%
SYK Stryker Corp. 0.03% 592 $208K New
ESGE iShares Inc. iShares ESG Awar 0.03% 4,680 $207K New
APH Amphenol Corp. Class A 0.03% 1,529 $207K New
VRTX Vertex Pharmaceuticals Inc. 0.03% 454 $206K New
PEP Pepsico Inc. 0.03% 1,431 $205K Reduce -17.7%
TJX TJX Companies Inc. filed as TJX COS INC NEW 0.03% 1,334 $205K New
TXN Texas Instruments Inc. 0.03% 1,167 $202K Reduce -40.5%
SPYG SS SPDR P S&P 500 Growth ETF 0.03% 1,890 $202K New
ORIGIN MATERIALS INC 0.00% 31,057 $7K Add +0.5%

Portfolio Sells Q3 2025 → Q4 2025
IVV iShares Core S&P 500 ETF Reduce -1.3% 35.76% −0.32
SPY SS SPDR S&P 500 ETF Trust-US Reduce -6.2% 1.41% −0.09
META Meta Platforms Inc. Class A Reduce -52.0% 0.06% −0.08
COMP Compass Inc. Class A Reduce -64.2% 0.07% −0.08
SCHX Schwab US Large-Cap ETF Reduce -4.9% 1.20% −0.06
VUG Vanguard Mrngstar GR ETF-Sui Reduce -2.2% 2.24% −0.06
JPUS JPMorgan Div Ret US Eq ETF Reduce -19.5% 0.19% −0.05
VIG Vanguard Dividend Apprec ETF Reduce -0.6% 7.41% −0.05
VTV Vanguard Mrngstr Val ETF-Aui Reduce -3.9% 1.09% −0.04
IWD iShares Russell 1000 Value E Sold out 0.00% −0.04
IVW iShares S&P 500 Growth ETF Sold out 0.00% −0.03
AGG iShares Core U.S. Aggregate Sold out 0.00% −0.03
PM Philip Morris International Reduce -6.8% 0.20% −0.02
TXN Texas Instruments Inc. Reduce -40.5% 0.03% −0.02
HON Honeywell International Inc. Reduce -29.4% 0.04% −0.02
HD Home Depot Inc. Reduce -7.1% 0.06% −0.02
SCHB Schwab US Broad Market ETF Reduce -1.8% 0.53% −0.01
GGG Graco Inc. Reduce -2.3% 0.09% −0.01
MORN Morningstar Inc. Reduce -1.4% 0.06% −0.01
SCHD Schwab US DVD Equity ETF Reduce -1.6% 0.21% −0.01
BND Vanguard Total Bond Market Reduce -0.2% 0.23% −0.01
INTU Intuit Inc. Reduce -8.5% 0.04% −0.01
PEP Pepsico Inc. Reduce -17.7% 0.03% −0.01
CSCO Cisco Systems Inc. Reduce -20.5% 0.04% −0.01
SCHM Schwab US Mid Cap ETF Reduce -2.4% 0.09% −0.00
IWV iShares Russell 3000 ETF Reduce -0.7% 0.37% −0.00
CATH Global X S&P 500 Ca Val ETF Reduce -4.8% 0.03% −0.00
DGRO iShares Core Dividend Growth Reduce -1.9% 0.04% −0.00
SCHA Schwab US Small-Cap ETF Reduce -0.8% 0.05% −0.00
SCHF Schwab Intl Equity ETF Reduce -1.2% 2.04% +0.00
XCEM Columbia Em Core Ex-China Reduce -1.5% 1.57% +0.03
VEA Vanguard Ftse Developed ETF Reduce -1.4% 10.11% +0.08

Portfolio Buys Q3 2025 → Q4 2025
AAPL Apple Inc. Add +1.6% 2.10% +0.13
ISRG Intuitive Surgical Inc. New 0.10% +0.10
IEFA iShares Core MSCI Eafe ETF Add +107.8% 0.16% +0.09
V Visa Inc. Class A Add +195.6% 0.12% +0.08
MCO Moody's Corp. New 0.08% +0.08
ESGU iShares ESG Aware MSCI USA Add +9.9% 0.67% +0.06
LLY Eli Lilly & Co. Add +50.1% 0.12% +0.06
GOOGL Alphabet Inc. Class A Add +14.7% 0.16% +0.05
IAU iShares Gold Trust New 0.05% +0.05
AVGO Broadcom Inc. Add +44.7% 0.14% +0.04
GOOG Alphabet Inc. Class C Add +16.4% 0.13% +0.04
NVDA Nvidia Corp. Add +11.0% 0.47% +0.04
BRK.B Berkshire Hathaway Inc. Class B Add +24.7% 0.19% +0.03
LRCX Lam Research Corp. Add +1.2% 0.15% +0.03
GS Goldman Sachs Group Inc. New 0.03% +0.03
C Citigroup Inc. New 0.03% +0.03
TSLA Tesla Inc. Add +30.2% 0.13% +0.03
BAC Bank of America Corp. New 0.03% +0.03
MRK Merck & Co. Inc. New 0.03% +0.03
SYK Stryker Corp. New 0.03% +0.03
APH Amphenol Corp. Class A New 0.03% +0.03
ESGE iShares Inc. iShares ESG Awar New 0.03% +0.03
VRTX Vertex Pharmaceuticals Inc. New 0.03% +0.03
TJX TJX Companies Inc. New 0.03% +0.03
SPYG SS SPDR P S&P 500 Growth ETF New 0.03% +0.03
EAGG iShares ESG Aware US Aggrega Add +12.3% 0.28% +0.03
AMZN Amazon.com Inc. Add +8.9% 0.22% +0.02
ABBV Abbvie Inc. Add +33.3% 0.09% +0.02
CAT Caterpillar Inc. Add +3.5% 0.11% +0.02
MA Mastercard Inc. Class A Add +49.9% 0.05% +0.02
ESGD iShares Trust iShares ESG Aw Add +8.1% 0.21% +0.02
ESML iShares ESG Aware MSCI USA S Add +10.4% 0.17% +0.02
TMO Thermo Fisher Scientific Inc. Add +6.6% 0.04% +0.01
XOM Exxon Mobil Corp. Add +18.5% 0.04% +0.01
JNJ Johnson & Johnson Add +8.2% 0.05% +0.01
AXP American Express Co. Add +9.1% 0.05% +0.01
CVX Chevron Corp. Add +15.0% 0.06% +0.01
JPM JPMorgan Chase & Co. Add +4.7% 0.12% +0.01
F Ford Motor Co. Add +0.9% 0.07% +0.01
IBM Intl Business Machines Corp. Add +1.3% 0.13% +0.01
VOO Vanguard S&P 500 ETF Add +0.3% 0.57% +0.00
PG The Procter & Gamble Co. Add +25.2% 0.04% +0.00
WMT Walmart Inc. Add +10.6% 0.03% +0.00
MCD McDonald's Corp. Add +18.8% 0.03% +0.00
PLTR Palantir Technologies Inc. Class A Add +13.8% 0.04% +0.00
GE General Electric Add +8.3% 0.04% +0.00
QQQ Invesco QQQ Trust Series 1 Add +2.1% 0.07% +0.00
DIS The Walt Disney Co. Add +7.7% 0.03% +0.00
ITOT iShares Core S&P Total U.S. Add +0.3% 0.05% +0.00
LIN Linde PLC Add +11.6% 0.04% −0.00

All Filings

QuarterPositions13F Reported ValueTop Holdings
Q2 2026 129$932.6MIVV, SPMO, IJH, VEA, IJR
Q1 2026 111$774.8MIVV, IJH, SPMO, VEA, IJR
Q4 2025 98$793.9MIVV, IJH, VEA, SPMO, VIG
Q3 2025 88$778.7MIVV, IJH, VEA, SPMO, VIG
Q2 2025 80$718.6MIVV, IJH, VEA, SPMO, VIG
Q1 2025 76$652.3MIVV, IJH, VEA, VIG, IJR
Q4 2024 61$650.5MIVV, IJH, VEA, JPUS, VIG
Q3 2024 58$657.0MIVV, IJH, VEA, JPUS, VIG
Q2 2024 58$617.6MIVV, IJH, VEA, JPUS, VIG
Q1 2024 49$608.5MIVV, IJH, VEA, JPUS, VIG