# EDGAR Filing Document

**Accession Number:** 0002000571
**File Stem:** 0001172661-26-001621
**Filing Date:** 2026-5
**Character Count:** 11894
**Document Hash:** e0f58665f987dfb8823aeacf21ab37ec
**Contains OCR:** False
**Source Format:** 

## Filing Content

## Filing Summary
**0001172661-26-001621.hdr.sgml**: 20260507

**ACCESSION NUMBER**: 0001172661-26-001621

**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:** Lakeshore Financial Planning, Inc.
- **CENTRAL INDEX KEY:** 0002000571

**ORGANIZATION NAME:**
- **EIN:** 383472919
- **STATE OF INCORPORATION:** MI
- **FISCAL YEAR END:** 1231

**FILING VALUES:**
- **FORM TYPE:** 13F-HR
- **SEC ACT:** 1934 Act
- **SEC FILE NUMBER:** 028-23446
- **FILM NUMBER:** 26951568

**BUSINESS ADDRESS:**
- **STREET 1:** 23201 JEFFERSON
- **CITY:** ST. CLAIR SHORES
- **STATE:** MI
- **ZIP:** 48080
- **BUSINESS PHONE:** 586-498-0788

**MAIL ADDRESS:**
- **STREET 1:** 23201 JEFFERSON
- **CITY:** ST. CLAIR SHORES
- **STATE:** MI
- **ZIP:** 48080

### 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:** Lakeshore Financial Planning Inc.<br>**Address:** 23201 Jefferson<br>St. Clair Shores, MI 48080

**Form 13F File Number:** 028-23446

**CRD Number (if applicable):** 000299129

**SEC File Number (if applicable):** 801-114302

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:** Mark Romin<br>**Title:** Partner<br>**Phone:** 586-498-0788

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

/s/ Mark Romin  St Clair Shores, MI  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:** 85

**Form 13F Information Table Value Total:** $275847888

      (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 |
| ABBVIE INC | COM | 00287Y109 |  | 298905 | 1373 | SH |  | SOLE |  | 1373 | 0 | 0 |
| AFLAC INC | COM | 001055102 |  | 358892 | 3270 | SH |  | SOLE |  | 3270 | 0 | 0 |
| ALPHABET INC | CAP STK CL C | 02079K107 |  | 1060264 | 3695 | SH |  | SOLE |  | 3695 | 0 | 0 |
| AMAZON COM INC | COM | 023135106 |  | 706659 | 3393 | SH |  | SOLE |  | 3393 | 0 | 0 |
| APPLE INC | COM | 037833100 |  | 9679572 | 38137 | SH |  | SOLE |  | 38137 | 0 | 0 |
| BANK AMERICA CORP | COM | 060505104 |  | 349040 | 7159 | SH |  | SOLE |  | 7159 | 0 | 0 |
| BERKSHIRE HATHAWAY INC DEL | CL B NEW | 084670702 |  | 422176 | 881 | SH |  | SOLE |  | 881 | 0 | 0 |
| CCC INTELLIGENT SOLUTIONS HL | COM | 12510Q100 |  | 351120 | 58520 | SH |  | SOLE |  | 58520 | 0 | 0 |
| CHEVRON CORPORATION | COM | 166764100 |  | 343868 | 1662 | SH |  | SOLE |  | 1662 | 0 | 0 |
| CINCINNATI FINL CORP | COM | 172062101 |  | 366311 | 2328 | SH |  | SOLE |  | 2328 | 0 | 0 |
| COCA COLA CO | COM | 191216100 |  | 808545 | 10629 | SH |  | SOLE |  | 10629 | 0 | 0 |
| COSTCO WHOLESALE CORPORATION | COM | 22160K105 |  | 564493 | 566 | SH |  | SOLE |  | 566 | 0 | 0 |
| DELTA AIR LINES INC | COM NEW | 247361702 |  | 301530 | 4535 | SH |  | SOLE |  | 4535 | 0 | 0 |
| DIMENSIONAL ETF TRUST | INTERNATNAL VAL | 25434V807 |  | 3527032 | 66822 | SH |  | SOLE |  | 66822 | 0 | 0 |
| DIMENSIONAL ETF TRUST | US EQUITY MARKET | 25434V401 |  | 1866139 | 26317 | SH |  | SOLE |  | 26317 | 0 | 0 |
| DIMENSIONAL ETF TRUST | US LARGE CAP VAL | 25434V666 |  | 33267141 | 931589 | SH |  | SOLE |  | 931589 | 0 | 0 |
| DIMENSIONAL ETF TRUST | US TARGETED VLU | 25434V609 |  | 8110195 | 129865 | SH |  | SOLE |  | 129865 | 0 | 0 |
| DISNEY WALT CO | COM | 254687106 |  | 210874 | 2186 | SH |  | SOLE |  | 2186 | 0 | 0 |
| DT MIDSTREAM INC | COMMON STOCK | 23345M107 |  | 385904 | 2864 | SH |  | SOLE |  | 2864 | 0 | 0 |
| DTE ENERGY CO | COM | 233331107 |  | 860593 | 5884 | SH |  | SOLE |  | 5884 | 0 | 0 |
| EXXON MOBIL CORP | COM | 30231G102 |  | 797290 | 4699 | SH |  | SOLE |  | 4699 | 0 | 0 |
| FIFTH THIRD BANCORP | COM | 316773100 |  | 914086 | 19674 | SH |  | SOLE |  | 19674 | 0 | 0 |
| FORD MTR CO | COM | 345370860 |  | 235355 | 20394 | SH |  | SOLE |  | 20394 | 0 | 0 |
| GILEAD SCIENCES INC | COM | 375558103 |  | 244489 | 1753 | SH |  | SOLE |  | 1753 | 0 | 0 |
| GOLDMAN SACHS GROUP INC | COM | 38141G104 |  | 331630 | 392 | SH |  | SOLE |  | 392 | 0 | 0 |
| HOME DEPOT INC | COM | 437076102 |  | 552764 | 1680 | SH |  | SOLE |  | 1680 | 0 | 0 |
| INTERNATIONAL BUSINESS MACHS | COM | 459200101 |  | 234885 | 968 | SH |  | SOLE |  | 968 | 0 | 0 |
| INVESCO EXCHANGE TRADED FD T | S EQL WGT | 46137V357 |  | 7284404 | 37955 | SH |  | SOLE |  | 37955 | 0 | 0 |
| INVESCO QQQ TR | UNIT SER 1 | 46090E103 |  | 4385687 | 7598 | SH |  | SOLE |  | 7598 | 0 | 0 |
| ISHARES TR | CORE MSCI TOTAL | 46432F834 |  | 261999 | 3024 | SH |  | SOLE |  | 3024 | 0 | 0 |
| ISHARES TR | CORE S MCP ETF | 464287507 |  | 2436729 | 36083 | SH |  | SOLE |  | 36083 | 0 | 0 |
| ISHARES TR | CORE S SCP ETF | 464287804 |  | 5028900 | 40451 | SH |  | SOLE |  | 40451 | 0 | 0 |
| ISHARES TR | CORE S ETF | 464287200 |  | 45849589 | 70186 | SH |  | SOLE |  | 70186 | 0 | 0 |
| ISHARES TR | MSCI EAFE ETF | 464287465 |  | 589385 | 6068 | SH |  | SOLE |  | 6068 | 0 | 0 |
| ISHARES TR | RUS 1000 GRW ETF | 464287614 |  | 331313 | 777 | SH |  | SOLE |  | 777 | 0 | 0 |
| ISHARES TR | RUS 1000 VAL ETF | 464287598 |  | 219864 | 1028 | SH |  | SOLE |  | 1028 | 0 | 0 |
| ISHARES TR | RUSSELL 2000 ETF | 464287655 |  | 2056191 | 8291 | SH |  | SOLE |  | 8291 | 0 | 0 |
| ISHARES TR | RUSSELL 3000 ETF | 464287689 |  | 3297938 | 8897 | SH |  | SOLE |  | 8897 | 0 | 0 |
| ISHARES TR | S 500 GRWT ETF | 464287309 |  | 2499393 | 22097 | SH |  | SOLE |  | 22097 | 0 | 0 |
| ISHARES TR | U.S. TECH ETF | 464287721 |  | 3341291 | 18415 | SH |  | SOLE |  | 18415 | 0 | 0 |
| ISHARES TR | US INFRASTRUC | 46435U713 |  | 404575 | 7073 | SH |  | SOLE |  | 7073 | 0 | 0 |
| JOHNSON  JOHNSON | COM | 478160104 |  | 502041 | 2053 | SH |  | SOLE |  | 2053 | 0 | 0 |
| JPMORGAN CHASE  CO | COM | 46625H100 |  | 2494390 | 8477 | SH |  | SOLE |  | 8477 | 0 | 0 |
| KIMBERLY-CLARK CORP | COM | 494368103 |  | 211062 | 2187 | SH |  | SOLE |  | 2187 | 0 | 0 |
| KLA CORP | COM NEW | 482480100 |  | 222334 | 151 | SH |  | SOLE |  | 151 | 0 | 0 |
| KROGER CO | COM | 501044101 |  | 226928 | 3136 | SH |  | SOLE |  | 3136 | 0 | 0 |
| MCDONALDS CORP | COM | 580135101 |  | 729740 | 2348 | SH |  | SOLE |  | 2348 | 0 | 0 |
| META PLATFORMS INC | CL A | 30303M102 |  | 346711 | 606 | SH |  | SOLE |  | 606 | 0 | 0 |
| MICROSOFT CORP | COM | 594918104 |  | 7696912 | 20791 | SH |  | SOLE |  | 20791 | 0 | 0 |
| MONDELEZ INTL INC | CL A | 609207105 |  | 210327 | 3649 | SH |  | SOLE |  | 3649 | 0 | 0 |
| NETFLIX INC. | COM | 64110L106 |  | 378834 | 3940 | SH |  | SOLE |  | 3940 | 0 | 0 |
| NEXTERA ENERGY INC | COM | 65339F101 |  | 247246 | 2662 | SH |  | SOLE |  | 2662 | 0 | 0 |
| NORTHROP GRUMMAN CORP | COM | 666807102 |  | 682241 | 1000 | SH |  | SOLE |  | 1000 | 0 | 0 |
| NVIDIA CORPORATION | COM | 67066G104 |  | 757427 | 4343 | SH |  | SOLE |  | 4343 | 0 | 0 |
| ORACLE CORP | COM | 68389X105 |  | 290220 | 1972 | SH |  | SOLE |  | 1972 | 0 | 0 |
| PEPSICO INC | COM | 713448108 |  | 248574 | 1600 | SH |  | SOLE |  | 1600 | 0 | 0 |
| PFIZER INC | COM | 717081103 |  | 286033 | 10186 | SH |  | SOLE |  | 10186 | 0 | 0 |
| PGIM ETF TR | AAA CLO ETF | 69344A834 |  | 1105232 | 21595 | SH |  | SOLE |  | 21595 | 0 | 0 |
| PGIM ETF TR | PGIM ULTRA SH BD | 69344A107 |  | 38062681 | 768939 | SH |  | SOLE |  | 768939 | 0 | 0 |
| PGIM ETF TR | SHRT DUR HGH YLD | 69344A784 |  | 994231 | 20047 | SH |  | SOLE |  | 20047 | 0 | 0 |
| PHILIP MORRIS INTL INC | COM | 718172109 |  | 255781 | 1547 | SH |  | SOLE |  | 1547 | 0 | 0 |
| PROCTER  GAMBLE CO | COM | 742718109 |  | 429083 | 2968 | SH |  | SOLE |  | 2968 | 0 | 0 |
| ROBINHOOD MKTS INC | COM CL A | 770700102 |  | 426195 | 6150 | SH |  | SOLE |  | 6150 | 0 | 0 |
| SCHWAB STRATEGIC TR | US DIVIDEND EQ | 808524797 |  | 11649591 | 379709 | SH |  | SOLE |  | 379709 | 0 | 0 |
| SELECT SECTOR SPDR TR | STATE STREET CON | 81369Y407 |  | 200572 | 1840 | SH |  | SOLE |  | 1840 | 0 | 0 |
| SELECT SECTOR SPDR TR | STATE STREET FIN | 81369Y605 |  | 21314380 | 431723 | SH |  | SOLE |  | 431723 | 0 | 0 |
| SEMPRA | COM | 816851109 |  | 368239 | 3789 | SH |  | SOLE |  | 3789 | 0 | 0 |
| SOFI TECHNOLOGIES INC | COM | 83406F102 |  | 1465359 | 92277 | SH |  | SOLE |  | 92277 | 0 | 0 |
| SOUTHERN CO | COM | 842587107 |  | 804473 | 8334 | SH |  | SOLE |  | 8334 | 0 | 0 |
| SPDR GOLD TR | GOLD SHS | 78463V107 |  | 235369 | 547 | SH |  | SOLE |  | 547 | 0 | 0 |
| SPDR SERIES TRUST | STATE STREET SPD | 78464A854 |  | 207653 | 2713 | SH |  | SOLE |  | 2713 | 0 | 0 |
| STARBUCKS CORP | COM | 855244109 |  | 209705 | 2340 | SH |  | SOLE |  | 2340 | 0 | 0 |
| STATE STR SPDR S 500 ETF T | TR UNIT | 78462F103 |  | 437679 | 673 | SH |  | SOLE |  | 673 | 0 | 0 |
| TARGET CORP | COM | 87612E106 |  | 206178 | 1701 | SH |  | SOLE |  | 1701 | 0 | 0 |
| TESLA INC | COM | 88160R101 |  | 232718 | 626 | SH |  | SOLE |  | 626 | 0 | 0 |
| TRACTOR SUPPLY CO | COM | 892356106 |  | 217667 | 4805 | SH |  | SOLE |  | 4805 | 0 | 0 |
| VANGUARD INDEX FDS | S 500 ETF SHS | 922908363 |  | 18406874 | 30803 | SH |  | SOLE |  | 30803 | 0 | 0 |
| VANGUARD MALVERN FDS | STRM INFPROIDX | 922020805 |  | 235413 | 4710 | SH |  | SOLE |  | 4710 | 0 | 0 |
| VANGUARD SPECIALIZED FUNDS | DIV APP ETF | 921908844 |  | 364605 | 1695 | SH |  | SOLE |  | 1695 | 0 | 0 |
| VANGUARD WHITEHALL FDS | HIGH DIV YLD | 921946406 |  | 239181 | 1615 | SH |  | SOLE |  | 1615 | 0 | 0 |
| VANGUARD WORLD FD | HEALTH CAR ETF | 92204A504 |  | 15411746 | 56591 | SH |  | SOLE |  | 56591 | 0 | 0 |
| VANGUARD WORLD FD | MEGA GRWTH IND | 921910816 |  | 608864 | 1657 | SH |  | SOLE |  | 1657 | 0 | 0 |
| VISA INC | COM CL A | 92826C839 |  | 244813 | 810 | SH |  | SOLE |  | 810 | 0 | 0 |
| WALMART INC | COM | 931142103 |  | 379178 | 3051 | SH |  | SOLE |  | 3051 | 0 | 0 |
| WASTE MGMT INC DEL | COM | 94106L109 |  | 466398 | 2029 | SH |  | SOLE |  | 2029 | 0 | 0 |

---