Summit Financial Consulting LLC
In its 13F for Q4 2025 (holdings as of December 31, 2025, filed January 23, 2026), Summit Financial Consulting LLC reported 43 stock positions worth $137.7 million. Its top holding was Ishr Ibx Usd Invgd CB ETF-Ui (LQD) at 15.8% of the portfolio, followed by Ishr Ibx Usd Hiyld CB ETF-Ui (HYG, 15.7%) and iShares Ustechnology ETF (IYW, 5.6%). Compared with Q3 2025, it opened 3 new positions, sold out of 2, added to 29 and reduced 7. The biggest buy was a new position in iShares U.S. Healthcare ETF (IYH) and the biggest sale an exit from iShares US Financials ETF (IYF).
- Most Recent 13F
- Q2 2026
- Location
- STERLING HEIGHTS, MI
- CIK
- 0002065794
- Portfolio Value
- $137.7M (Q4 2025)
- SEC Filing
- 0002065794-26-000001 ↗ filed Jan 23, 2026
Holdings Value
Holdings 43 stocks · $137.7M
| LQD Ishr Ibx Usd Invgd CB ETF-Ui | 15.81% | 197,570 | $21.8M | Add +9.7% |
| HYG Ishr Ibx Usd Hiyld CB ETF-Ui | 15.70% | 268,191 | $21.6M | Add +8.6% |
| IYW iShares Ustechnology ETF | 5.64% | 38,904 | $7.8M | Add +11.7% |
| IYZ iShares US Telecommunication | 5.62% | 228,255 | $7.7M | Add +8.3% |
| EEM iShares MSCI Emerging Market | 5.45% | 137,204 | $7.5M | Add +9.3% |
| IVW iShares S&P 500 Growth ETF | 5.44% | 60,751 | $7.5M | Add +9.4% |
| QQQM Invesco Nasdaq 100 ETF | 5.41% | 29,458 | $7.5M | Add +9.7% |
| SCHX Schwab US Large-Cap ETF | 5.35% | 273,802 | $7.4M | Add +9.0% |
| EFA iShares MSCI Eafe ETF | 5.30% | 75,995 | $7.3M | Add +11.5% |
| IYE iShares U.S. Energy ETF | 5.29% | 153,227 | $7.3M | Add +11.5% |
| IYH iShares U.S. Healthcare ETF | 5.19% | 109,847 | $7.2M | New |
| IDU iShares US Utilities ETF | 5.15% | 65,479 | $7.1M | Add +10.9% |
| XLG Invesco S&P 500 Top 50 ETF | 2.32% | 53,979 | $3.2M | Add +11.2% |
| XLK SS Technology Select Sector | 0.95% | 9,076 | $1.3M | Add +17.3% |
| MSFT Microsoft Corp. | 0.78% | 2,209 | $1.1M | Add +2.4% |
| TLT iShares 20+ Year Treasury BD | 0.76% | 12,067 | $1.1M | Reduce -6.8% |
| SPYM Ste STR SPDR PT S&P 500 ETF | 0.76% | 12,995 | $1.0M | Reduce -6.2% |
| AGG iShares Core U.S. Aggregate | 0.75% | 10,310 | $1.0M | Reduce -8.9% |
| AAPL Apple Inc. | 0.67% | 3,370 | $916K | Reduce -2.4% |
| RVNU Xtrac Mun Inf Rev BD Act ETF | 0.63% | 35,621 | $874K | Add +13.3% |
| MUNI PIMCO Intermediate Municipal | 0.62% | 16,172 | $848K | Add +11.3% |
| XLU St Sr Utl SL SE SPDR ETF-Usd | 0.60% | 19,318 | $825K | Reduce -0.7% |
| FLMI Franklin Dynamic Municipal B | 0.59% | 32,456 | $807K | Add +15.6% |
| SMMU PIMCO SHRT TRM Muni BND ETF | 0.53% | 14,596 | $736K | Add +15.2% |
| BRK.B Berkshire Hathaway Inc. Class B | 0.41% | 1,118 | $562K | No change |
| AMZN Amazon.com Inc. | 0.35% | 2,083 | $481K | Add +99.5% |
| ITB iShares U.S. Home Constructi | 0.32% | 4,510 | $434K | Add +53.9% |
| USRT iShares Core US REIT ETF | 0.28% | 6,866 | $391K | Add +14.9% |
| MIY BlackRock Muniyield Mi QLTY | 0.28% | 33,081 | $388K | Add +11.5% |
| NAD Nuveen Quality Municipal Inc. | 0.28% | 31,605 | $380K | No change |
| NZF Nuveen Municipal Credit Inc. | 0.26% | 28,757 | $362K | Add +13.3% |
| SCHG Schwab US Large-Cap Growth | 0.26% | 11,003 | $359K | Add +65.7% |
| PSCC Invesco S&P Smallcap Consume | 0.26% | 11,535 | $359K | Add +22.9% |
| COST Costco Wholesale Corp. | 0.26% | 410 | $354K | Add +0.5% |
| SPGP Invesco S&P 500 Garp ETF | 0.23% | 2,829 | $322K | Reduce -5.6% |
| EPD Enterprise Products Partners | 0.23% | 9,833 | $315K | No change |
| DTE DTE Energy Company | 0.22% | 2,347 | $303K | Add +0.1% |
| BIL SS SPDR BB 1-3M T-Bill ETF | 0.21% | 3,182 | $291K | Add +17.9% |
| XLE SS Energy Select Sector | 0.21% | 6,317 | $282K | New |
| TSLA Tesla Inc. | 0.18% | 558 | $251K | New |
| MUB iShares National Muni Bond E | 0.18% | 2,320 | $248K | Add +6.2% |
| V Visa Inc. Class A | 0.16% | 620 | $217K | No change |
| F Ford Motor Co. filed as FORD MTR CO | 0.13% | 13,221 | $173K | Reduce -18.4% |
Portfolio Sells Q3 2025 → Q4 2025
| IYF iShares US Financials ETF | Sold out | 0.00% | −5.51 |
| IVOV Vanguard S&P Mid-Cap 400 Val | Sold out | 0.00% | −0.25 |
| TLT iShares 20+ Year Treasury BD | Reduce -6.8% | 0.76% | −0.16 |
| AGG iShares Core U.S. Aggregate | Reduce -8.9% | 0.75% | −0.16 |
| SPYM Ste STR SPDR PT S&P 500 ETF | Reduce -6.2% | 0.76% | −0.11 |
| XLU St Sr Utl SL SE SPDR ETF-Usd | Reduce -0.7% | 0.60% | −0.08 |
| SPGP Invesco S&P 500 Garp ETF | Reduce -5.6% | 0.23% | −0.04 |
| AAPL Apple Inc. | Reduce -2.4% | 0.67% | −0.04 |
| F Ford Motor Co. | Reduce -18.4% | 0.13% | −0.03 |
Portfolio Buys Q3 2025 → Q4 2025
| IYH iShares U.S. Healthcare ETF | New | 5.19% | +5.19 |
| EFA iShares MSCI Eafe ETF | Add +11.5% | 5.30% | +0.22 |
| XLE SS Energy Select Sector | New | 0.21% | +0.21 |
| IYW iShares Ustechnology ETF | Add +11.7% | 5.64% | +0.20 |
| IYZ iShares US Telecommunication | Add +8.3% | 5.62% | +0.19 |
| TSLA Tesla Inc. | New | 0.18% | +0.18 |
| AMZN Amazon.com Inc. | Add +99.5% | 0.35% | +0.17 |
| QQQM Invesco Nasdaq 100 ETF | Add +9.7% | 5.41% | +0.11 |
| EEM iShares MSCI Emerging Market | Add +9.3% | 5.45% | +0.10 |
| XLG Invesco S&P 500 Top 50 ETF | Add +11.2% | 2.32% | +0.10 |
| SCHG Schwab US Large-Cap Growth | Add +65.7% | 0.26% | +0.09 |
| IVW iShares S&P 500 Growth ETF | Add +9.4% | 5.44% | +0.08 |
| XLK SS Technology Select Sector | Add +17.3% | 0.95% | +0.08 |
| IYE iShares U.S. Energy ETF | Add +11.5% | 5.29% | +0.08 |
| SCHX Schwab US Large-Cap ETF | Add +9.0% | 5.35% | +0.07 |
| ITB iShares U.S. Home Constructi | Add +53.9% | 0.32% | +0.06 |
| FLMI Franklin Dynamic Municipal B | Add +15.6% | 0.59% | +0.03 |
| SMMU PIMCO SHRT TRM Muni BND ETF | Add +15.2% | 0.53% | +0.02 |
| RVNU Xtrac Mun Inf Rev BD Act ETF | Add +13.3% | 0.63% | +0.02 |
| MIY BlackRock Muniyield Mi QLTY | Add +11.5% | 0.28% | +0.01 |
| BIL SS SPDR BB 1-3M T-Bill ETF | Add +17.9% | 0.21% | +0.01 |
| PSCC Invesco S&P Smallcap Consume | Add +22.9% | 0.26% | +0.01 |
| MUNI PIMCO Intermediate Municipal | Add +11.3% | 0.62% | +0.01 |
| NZF Nuveen Municipal Credit Inc. | Add +13.3% | 0.26% | +0.01 |
| USRT iShares Core US REIT ETF | Add +14.9% | 0.28% | +0.00 |
| MUB iShares National Muni Bond E | Add +6.2% | 0.18% | −0.01 |
| COST Costco Wholesale Corp. | Add +0.5% | 0.26% | −0.04 |
| DTE DTE Energy Company | Add +0.1% | 0.22% | −0.04 |
| IDU iShares US Utilities ETF | Add +10.9% | 5.15% | −0.07 |
| MSFT Microsoft Corp. | Add +2.4% | 0.78% | −0.12 |
| LQD Ishr Ibx Usd Invgd CB ETF-Ui | Add +9.7% | 15.81% | −0.22 |
| HYG Ishr Ibx Usd Hiyld CB ETF-Ui | Add +8.6% | 15.70% | −0.30 |