# EDGAR Filing Document

**Accession Number:** 0000712011
**File Stem:** 0001765380-26-000187
**Filing Date:** 2026-5
**Character Count:** 14758
**Document Hash:** c191ce7af076250403026eed285fe087
**Contains OCR:** False
**Source Format:** 

## Filing Content

## Filing Summary
**0001765380-26-000187.hdr.sgml**: 20260507

**ACCESSION NUMBER**: 0001765380-26-000187

**CONFORMED SUBMISSION TYPE**: 13F-HR

**PUBLIC DOCUMENT COUNT**: 2

**CONFORMED PERIOD OF REPORT**: 20260331

**FILED AS OF DATE**: 20260507

**DATE AS OF CHANGE**: 20260507

**EFFECTIVENESS DATE**: 20260507

**FILER**: 

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** PLANNING ALTERNATIVES LTD /ADV
- **CENTRAL INDEX KEY:** 0000712011

**ORGANIZATION NAME:**
- **EIN:** 382435260
- **STATE OF INCORPORATION:** MI
- **FISCAL YEAR END:** 1231

**FILING VALUES:**
- **FORM TYPE:** 13F-HR
- **SEC ACT:** 1934 Act
- **SEC FILE NUMBER:** 028-15145
- **FILM NUMBER:** 26952473

**BUSINESS ADDRESS:**
- **STREET 1:** 255 SOUTH OLD WOODWARD AVENUE
- **STREET 2:** SUITE 310
- **CITY:** BIRMINGHAM
- **STATE:** MI
- **ZIP:** 48009
- **BUSINESS PHONE:** 248-645-1520

**MAIL ADDRESS:**
- **STREET 1:** 255 SOUTH OLD WOODWARD AVENUE
- **STREET 2:** SUITE 310
- **CITY:** BIRMINGHAM
- **STATE:** MI
- **ZIP:** 48009

**FORMER COMPANY:**
- **FORMER CONFORMED NAME:** PLANNING ALTERNATIVES LTD
- **DATE OF NAME CHANGE:** 20120227

**FORMER COMPANY:**
- **FORMER CONFORMED NAME:** PLANNING ALTERNATIVES LTD                               /ADV
- **DATE OF NAME CHANGE:** 19830106

### FORM 13F COVER PAGE

**Report for the Calendar Year or Quarter Ended:** 03-31-2026

**Check here if Amendment** [ ] **Amendment Number:** 

**This Amendment (Check only one.):** [ ] is a restatement.

[ ] adds new holdings entries.

**Institutional Investment Manager Filing this Report:**

**Name:** PLANNING ALTERNATIVES LTD /ADV<br>**Address:** 255 SOUTH OLD WOODWARD AVENUE<br>SUITE 310<br>BIRMINGHAM, MI 48009

**Form 13F File Number:** 028-15145

**CRD Number (if applicable):** 000110268

**SEC File Number (if applicable):** 801-18310

The institutional investment manager filing this report and the person by whom it is signed hereby represent that the person signing the report is authorized to submit it, that all information contained herein is true, correct and complete, and that it is understood that all required items, statements, schedules, lists, and tables, are considered integral parts of this form.

**Person Signing this Report on Behalf of Reporting Manager:**

**Name:** Andy Warning<br>**Title:** Chief Compliance Officer<br>**Phone:** 513-832-5463

**Signature, Place, and Date of Signing:**

Andy Warning  Cincinnati, OH  05-07-2026<br>[Signature]  [City, State]  [Date]

**Report Type (Check only one.):**

[x] **13F HOLDINGS REPORT.** (Check here if all holdings of this reporting manager are reported in this report.)

[ ] **13F NOTICE.** (Check here if no holdings are reported in this report, and all holdings are reported by other reporting manager(s).)

[ ] **13F COMBINATION REPORT.** (Check here if a portion of the holdings for this reporting manager are reported in this report and a portion are reported by other reporting manager(s).)

### Form 13F Summary Page

**Report Summary:**

**Number of Other Included Managers:** 0

**Form 13F Information Table Entry Total:** 111

**Form 13F Information Table Value Total:** $774751355

      (round to nearest dollar)

**List of Other Included Managers:**

Provide a numbered list of the name(s) and Form 13F file number(s) of all institutional investment managers with respect to which this report is filed, other than the manager filing this report.

[If there are no entries in this list, state “NONE” and omit the column headings and list entries.]

**NONE**

### FORM 13F INFORMATION TABLE

---

|  |  |  |  |  |  |  |  |  |  |  |  |  |
| --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- |
| NAME OF ISSUER | TITLE OF CLASS | CUSIP | FIGI | VALUE (x$1000) | SHRS OR PRN AMT | SH/PRN | PUT/CALL | INVESTMENT DISCRETION | OTHER MANAGER | VOTING AUTHORITY | VOTING AUTHORITY | VOTING AUTHORITY |
| NAME OF ISSUER | TITLE OF CLASS | CUSIP | FIGI | VALUE (x$1000) | SHRS OR PRN AMT | SH/PRN | PUT/CALL | INVESTMENT DISCRETION | OTHER MANAGER | SOLE | SHARED | NONE |
| ISHARES TR | CORE S ETF | 464287200 |  | 271466702 | 415589 | SH |  | SOLE |  | 0 | 0 | 415589 |
| ISHARES TR | CORE S MCP ETF | 464287507 |  | 87772316 | 1299753 | SH |  | SOLE |  | 0 | 0 | 1299753 |
| INVESCO EXCH TRADED FD TR II | S 500 MOMNTM | 46138E339 |  | 83455710 | 744409 | SH |  | SOLE |  | 0 | 0 | 744409 |
| VANGUARD TAX-MANAGED FDS | VAN FTSE DEV MKT | 921943858 |  | 79472246 | 1240204 | SH |  | SOLE |  | 0 | 0 | 1240204 |
| ISHARES TR | CORE S SCP ETF | 464287804 |  | 43844674 | 352704 | SH |  | SOLE |  | 0 | 0 | 352704 |
| INVESCO EXCH TRADED FD TR II | S INTL MOMNT | 46138E222 |  | 26486497 | 482978 | SH |  | SOLE |  | 0 | 0 | 482978 |
| APPLE INC | COM | 037833100 |  | 16542108 | 65180 | SH |  | SOLE |  | 0 | 0 | 65180 |
| SCHWAB STRATEGIC TR | INTL EQTY ETF | 808524805 |  | 16515027 | 667274 | SH |  | SOLE |  | 0 | 0 | 667274 |
| VANGUARD INDEX FDS | GROWTH ETF | 922908736 |  | 15769867 | 36104 | SH |  | SOLE |  | 0 | 0 | 36104 |
| COLUMBIA ETF TR II | EM CORE EX ETF | 19762B202 |  | 15713199 | 385033 | SH |  | SOLE |  | 0 | 0 | 385033 |
| STATE STR SPDR S 500 ETF T | TR UNIT | 78462F103 |  | 10642687 | 16365 | SH |  | SOLE |  | 0 | 0 | 16365 |
| VANGUARD INDEX FDS | VALUE ETF | 922908744 |  | 9064048 | 46198 | SH |  | SOLE |  | 0 | 0 | 46198 |
| SCHWAB STRATEGIC TR | US LRG CAP ETF | 808524201 |  | 8776509 | 342298 | SH |  | SOLE |  | 0 | 0 | 342298 |
| ISHARES TR | ESG AWR MSCI USA | 46435G425 |  | 4604636 | 32560 | SH |  | SOLE |  | 0 | 0 | 32560 |
| NVIDIA CORPORATION | COM | 67066G104 |  | 4393470 | 25192 | SH |  | SOLE |  | 0 | 0 | 25192 |
| VANGUARD INDEX FDS | S 500 ETF SHS | 922908363 |  | 4345357 | 7272 | SH |  | SOLE |  | 0 | 0 | 7272 |
| VANGUARD SPECIALIZED FUNDS | DIV APP ETF | 921908844 |  | 4060978 | 18883 | SH |  | SOLE |  | 0 | 0 | 18883 |
| SCHWAB STRATEGIC TR | US BRD MKT ETF | 808524102 |  | 3965081 | 157971 | SH |  | SOLE |  | 0 | 0 | 157971 |
| MICROSOFT CORP | COM | 594918104 |  | 3587379 | 9691 | SH |  | SOLE |  | 0 | 0 | 9691 |
| ISHARES TR | RUSSELL 3000 ETF | 464287689 |  | 2800733 | 7556 | SH |  | SOLE |  | 0 | 0 | 7556 |
| ISHARES TR | ESG AWR US AGRGT | 46435U549 |  | 2294859 | 48262 | SH |  | SOLE |  | 0 | 0 | 48262 |
| DTE ENERGY CO | COM | 233331107 |  | 2288928 | 15654 | SH |  | SOLE |  | 0 | 0 | 15654 |
| ISHARES BITCOIN TRUST ETF | SHS BEN INT | 46438F101 |  | 1822453 | 47435 | SH |  | SOLE |  | 0 | 0 | 47435 |
| ISHARES TR | ESG AW MSCI EAFE | 46435G516 |  | 1808940 | 18918 | SH |  | SOLE |  | 0 | 0 | 18918 |
| AMAZON COM INC | COM | 023135106 |  | 1807236 | 8677 | SH |  | SOLE |  | 0 | 0 | 8677 |
| VANGUARD BD INDEX FDS | TOTAL BND MRKT | 921937835 |  | 1787126 | 24268 | SH |  | SOLE |  | 0 | 0 | 24268 |
| PHILIP MORRIS INTL INC | COM | 718172109 |  | 1672745 | 10117 | SH |  | SOLE |  | 0 | 0 | 10117 |
| ISHARES TR | RUS 1000 GRW ETF | 464287614 |  | 1643772 | 3855 | SH |  | SOLE |  | 0 | 0 | 3855 |
| LAM RESEARCH CORP | COM NEW | 512807306 |  | 1609929 | 7535 | SH |  | SOLE |  | 0 | 0 | 7535 |
| ALPHABET INC | CAP STK CL A | 02079K305 |  | 1606886 | 5588 | SH |  | SOLE |  | 0 | 0 | 5588 |
| ISHARES TR | NATIONAL MUN ETF | 464288414 |  | 1433132 | 13501 | SH |  | SOLE |  | 0 | 0 | 13501 |
| BERKSHIRE HATHAWAY INC DEL | CL B NEW | 084670702 |  | 1414599 | 2952 | SH |  | SOLE |  | 0 | 0 | 2952 |
| BROADCOM INC | COM | 11135F101 |  | 1388462 | 4486 | SH |  | SOLE |  | 0 | 0 | 4486 |
| ISHARES TR | CORE MSCI EAFE | 46432F842 |  | 1287066 | 14217 | SH |  | SOLE |  | 0 | 0 | 14217 |
| ISHARES TR | ESG AWARE MSCI | 46435U663 |  | 1260795 | 26814 | SH |  | SOLE |  | 0 | 0 | 26814 |
| CATERPILLAR INC | COM | 149123101 |  | 1256867 | 1774 | SH |  | SOLE |  | 0 | 0 | 1774 |
| META PLATFORMS INC | CL A | 30303M102 |  | 1233513 | 2156 | SH |  | SOLE |  | 0 | 0 | 2156 |
| ISHARES TR | SP SMCP600VL ETF | 464287879 |  | 1214231 | 10251 | SH |  | SOLE |  | 0 | 0 | 10251 |
| JPMORGAN CHASE  CO | COM | 46625H100 |  | 1172228 | 3985 | SH |  | SOLE |  | 0 | 0 | 3985 |
| ALPHABET INC | CAP STK CL C | 02079K107 |  | 1170389 | 4080 | SH |  | SOLE |  | 0 | 0 | 4080 |
| ISHARES U S ETF TR | SHORT DURATION B | 46431W507 |  | 1118218 | 21997 | SH |  | SOLE |  | 0 | 0 | 21997 |
| J P MORGAN EXCHANGE TRADED F | JPMORGAN DIVER | 46641Q407 |  | 1109780 | 8523 | SH |  | SOLE |  | 0 | 0 | 8523 |
| INVESCO MUN OPPORTUNIT TR | COM | 46132C107 |  | 979530 | 103000 | SH |  | SOLE |  | 0 | 0 | 103000 |
| TESLA INC | COM | 88160R101 |  | 910044 | 2448 | SH |  | SOLE |  | 0 | 0 | 2448 |
| VANGUARD INDEX FDS | TOTAL STK MKT | 922908769 |  | 904364 | 2819 | SH |  | SOLE |  | 0 | 0 | 2819 |
| ELI LILLY  CO | COM | 532457108 |  | 903215 | 982 | SH |  | SOLE |  | 0 | 0 | 982 |
| JOHNSON  JOHNSON | COM | 478160104 |  | 835669 | 3419 | SH |  | SOLE |  | 0 | 0 | 3419 |
| INTERNATIONAL BUSINESS MACHS | COM | 459200101 |  | 830243 | 3425 | SH |  | SOLE |  | 0 | 0 | 3425 |
| COSTCO WHOLESALE CORPORATION | COM | 22160K105 |  | 816077 | 819 | SH |  | SOLE |  | 0 | 0 | 819 |
| MONDELEZ INTL INC | CL A | 609207105 |  | 794683 | 13787 | SH |  | SOLE |  | 0 | 0 | 13787 |
| EXXON MOBIL CORP | COM | 30231G102 |  | 763157 | 4498 | SH |  | SOLE |  | 0 | 0 | 4498 |
| SCHWAB STRATEGIC TR | US MID-CAP ETF | 808524508 |  | 736752 | 23797 | SH |  | SOLE |  | 0 | 0 | 23797 |
| GRACO INC | COM | 384109104 |  | 663995 | 7844 | SH |  | SOLE |  | 0 | 0 | 7844 |
| MASTERCARD INCORPORATED | CL A | 57636Q104 |  | 619089 | 1239 | SH |  | SOLE |  | 0 | 0 | 1239 |
| NETFLIX INC. | COM | 64110L106 |  | 619014 | 6438 | SH |  | SOLE |  | 0 | 0 | 6438 |
| ABBVIE INC | COM | 00287Y109 |  | 573522 | 2637 | SH |  | SOLE |  | 0 | 0 | 2637 |
| WALMART INC | COM | 931142103 |  | 569576 | 4583 | SH |  | SOLE |  | 0 | 0 | 4583 |
| LINDE PLC | SHS | G54950103 |  | 562192 | 1134 | SH |  | SOLE |  | 0 | 0 | 1134 |
| INVESCO QQQ TR | UNIT SER 1 | 46090E103 |  | 514053 | 891 | SH |  | SOLE |  | 0 | 0 | 891 |
| CHEVRON CORPORATION | COM | 166764100 |  | 481600 | 2328 | SH |  | SOLE |  | 0 | 0 | 2328 |
| FORD MTR CO | COM | 345370860 |  | 479141 | 41520 | SH |  | SOLE |  | 0 | 0 | 41520 |
| ILLINOIS TOOL WKS INC | COM | 452308109 |  | 451083 | 1733 | SH |  | SOLE |  | 0 | 0 | 1733 |
| CISCO SYS INC | COM | 17275R102 |  | 433316 | 5585 | SH |  | SOLE |  | 0 | 0 | 5585 |
| MERCK  CO INC | COM | 58933Y105 |  | 432804 | 3598 | SH |  | SOLE |  | 0 | 0 | 3598 |
| PALANTIR TECHNOLOGIES INC | CL A | 69608A108 |  | 420117 | 2872 | SH |  | SOLE |  | 0 | 0 | 2872 |
| ISHARES GOLD TR | ISHARES NEW | 464285204 |  | 408975 | 4639 | SH |  | SOLE |  | 0 | 0 | 4639 |
| SCHWAB STRATEGIC TR | US SML CAP ETF | 808524607 |  | 404126 | 13897 | SH |  | SOLE |  | 0 | 0 | 13897 |
| AMERICAN EXPRESS CO | COM | 025816109 |  | 402087 | 1329 | SH |  | SOLE |  | 0 | 0 | 1329 |
| HONEYWELL INTL INC | COM | 438516106 |  | 399169 | 1766 | SH |  | SOLE |  | 0 | 0 | 1766 |
| ISHARES TR | CORE S TTL STK | 464287150 |  | 384561 | 2700 | SH |  | SOLE |  | 0 | 0 | 2700 |
| TEXAS INSTRS INC | COM | 882508104 |  | 384332 | 1980 | SH |  | SOLE |  | 0 | 0 | 1980 |
| APPLIED MATLS INC | COM | 038222105 |  | 383831 | 1123 | SH |  | SOLE |  | 0 | 0 | 1123 |
| GE VERNOVA INC | COM | 36828A101 |  | 381458 | 437 | SH |  | SOLE |  | 0 | 0 | 437 |
| MORNINGSTAR INC | COM | 617700109 |  | 371403 | 2197 | SH |  | SOLE |  | 0 | 0 | 2197 |
| THERMO FISHER SCIENTIFIC INC | COM | 883556102 |  | 369631 | 752 | SH |  | SOLE |  | 0 | 0 | 752 |
| COMPASS INC | CL A | 20464U100 |  | 365500 | 50000 | SH |  | SOLE |  | 0 | 0 | 50000 |
| INTUIT | COM | 461202103 |  | 333995 | 772 | SH |  | SOLE |  | 0 | 0 | 772 |
| MCDONALDS CORP | COM | 580135101 |  | 331613 | 1067 | SH |  | SOLE |  | 0 | 0 | 1067 |
| TJX COS INC NEW | COM | 872540109 |  | 326108 | 2042 | SH |  | SOLE |  | 0 | 0 | 2042 |
| GE AEROSPACE | COM NEW | 369604301 |  | 319242 | 1125 | SH |  | SOLE |  | 0 | 0 | 1125 |
| CITIGROUP INC | COM NEW | 172967424 |  | 314146 | 2770 | SH |  | SOLE |  | 0 | 0 | 2770 |
| PFIZER INC | COM | 717081103 |  | 308515 | 10987 | SH |  | SOLE |  | 0 | 0 | 10987 |
| PEPSICO INC | COM | 713448108 |  | 290859 | 1873 | SH |  | SOLE |  | 0 | 0 | 1873 |
| SALESFORCE INC | COM | 79466L302 |  | 285419 | 1529 | SH |  | SOLE |  | 0 | 0 | 1529 |
| RTX CORPORATION | COM | 75513E101 |  | 282213 | 1463 | SH |  | SOLE |  | 0 | 0 | 1463 |
| PROCTER  GAMBLE CO | COM | 742718109 |  | 269624 | 1867 | SH |  | SOLE |  | 0 | 0 | 1867 |
| S GLOBAL INC | COM | 78409V104 |  | 259458 | 610 | SH |  | SOLE |  | 0 | 0 | 610 |
| VERTEX PHARMACEUTICALS INC | COM | 92532F100 |  | 256761 | 575 | SH |  | SOLE |  | 0 | 0 | 575 |
| GOLDMAN SACHS GROUP INC | COM | 38141G104 |  | 241108 | 285 | SH |  | SOLE |  | 0 | 0 | 285 |
| MICRON TECHNOLOGY INC | COM | 595112103 |  | 233448 | 691 | SH |  | SOLE |  | 0 | 0 | 691 |
| ANALOG DEVICES INC | COM | 032654105 |  | 231288 | 727 | SH |  | SOLE |  | 0 | 0 | 727 |
| EATON CORP PLC | SHS | G29183103 |  | 230698 | 645 | SH |  | SOLE |  | 0 | 0 | 645 |
| AMPHENOL CORP | CL A | 032095101 |  | 225914 | 1788 | SH |  | SOLE |  | 0 | 0 | 1788 |
| ADVANCED MICRO DEVICES INC | COM | 007903107 |  | 219501 | 1079 | SH |  | SOLE |  | 0 | 0 | 1079 |
| KLA CORP | COM NEW | 482480100 |  | 219390 | 149 | SH |  | SOLE |  | 0 | 0 | 149 |
| ISHARES INC | ESG AWR MSCI EM | 46434G863 |  | 219211 | 4821 | SH |  | SOLE |  | 0 | 0 | 4821 |
| GILEAD SCIENCES INC | COM | 375558103 |  | 215745 | 1548 | SH |  | SOLE |  | 0 | 0 | 1548 |
| INTEL CORP | COM | 458140100 |  | 214359 | 4857 | SH |  | SOLE |  | 0 | 0 | 4857 |
| VISA INC | COM CL A | 92826C839 |  | 213382 | 706 | SH |  | SOLE |  | 0 | 0 | 706 |
| HOME DEPOT INC | COM | 437076102 |  | 212792 | 647 | SH |  | SOLE |  | 0 | 0 | 647 |
| VANECK ETF TRUST | GOLD MINERS ETF | 92189F106 |  | 212535 | 2316 | SH |  | SOLE |  | 0 | 0 | 2316 |
| J P MORGAN EXCHANGE TRADED F | ULTRA SHRT ETF | 46641Q837 |  | 210386 | 4157 | SH |  | SOLE |  | 0 | 0 | 4157 |
| NEXTERA ENERGY INC | COM | 65339F101 |  | 209538 | 2256 | SH |  | SOLE |  | 0 | 0 | 2256 |
| WABTEC | COM | 929740108 |  | 207176 | 829 | SH |  | SOLE |  | 0 | 0 | 829 |
| BOOKING HOLDINGS INC | COM | 09857L108 |  | 206306 | 49 | SH |  | SOLE |  | 0 | 0 | 49 |
| SPDR GOLD TR | GOLD SHS | 78463V107 |  | 206109 | 479 | SH |  | SOLE |  | 0 | 0 | 479 |
| BANK AMERICA CORP | COM | 060505104 |  | 204604 | 4197 | SH |  | SOLE |  | 0 | 0 | 4197 |
| DEERE  CO | COM | 244199105 |  | 204478 | 363 | SH |  | SOLE |  | 0 | 0 | 363 |
| JOHNSON CONTROLS INTERNATION | SHS | G51502105 |  | 203628 | 1555 | SH |  | SOLE |  | 0 | 0 | 1555 |
| PARKER-HANNIFIN CORP | COM | 701094104 |  | 201429 | 225 | SH |  | SOLE |  | 0 | 0 | 225 |
| GLOBAL X FDS | S 500 CATHOLIC | 37954Y889 |  | 200690 | 2568 | SH |  | SOLE |  | 0 | 0 | 2568 |

---