# EDGAR Filing Document

**Accession Number:** 0001963319
**File Stem:** 0000905729-23-000037
**Filing Date:** 2023-1
**Character Count:** 10700
**Document Hash:** 6534a091e686fffb38fbf8e0d17f7bf1
**Contains OCR:** False
**Source Format:** 

## Filing Content

## Filing Summary
**0000905729-23-000037.hdr.sgml**: 20230130

**ACCESSION NUMBER**: 0000905729-23-000037

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

**PUBLIC DOCUMENT COUNT**: 2

**CONFORMED PERIOD OF REPORT**: 20221231

**FILED AS OF DATE**: 20230130

**DATE AS OF CHANGE**: 20230130

**EFFECTIVENESS DATE**: 20230130

**FILER**: 

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** GEM Asset Management, LLC
- **CENTRAL INDEX KEY:** 0001963319
- **IRS NUMBER:** 200047021
- **STATE OF INCORPORATION:** MI
- **FISCAL YEAR END:** 1231

**FILING VALUES:**
- **FORM TYPE:** 13F-HR
- **SEC ACT:** 1934 Act
- **SEC FILE NUMBER:** 028-22771
- **FILM NUMBER:** 23566038

**BUSINESS ADDRESS:**
- **STREET 1:** 261 S MAIN ST.
- **CITY:** PLYMOUTH
- **STATE:** MI
- **ZIP:** 48170
- **BUSINESS PHONE:** (734) 737-9108

**MAIL ADDRESS:**
- **STREET 1:** 261 S MAIN ST.
- **CITY:** PLYMOUTH
- **STATE:** MI
- **ZIP:** 48170

### FORM 13F COVER PAGE

**Report for the Calendar Year or Quarter Ended:** 12-31-2022

**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:** GEM Asset Management LLC<br>**Address:** 261 S Main St.<br>Plymouth, MI 48170

**Form 13F File Number:** 028-22771

**CRD Number (if applicable):** 000124332

**SEC File Number (if applicable):** 801-67414

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:** Steve Alexandrowski<br>**Title:** Partner<br>**Phone:** 734-737-9108

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

/s/ Steve Alexandrowski  Plymouth, MI  01-27-2023<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:** 71

**Form 13F Information Table Value Total:** $116741598

      (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 |
| ABBOTT LABS | COM | 002824100 |  | 399526 | 3639 | SH |  | SOLE |  | 0 | 0 | 3639 |
| ABBVIE INC | COM | 00287Y109 |  | 803772 | 4974 | SH |  | SOLE |  | 0 | 0 | 4974 |
| ALPHABET INC | CAP STK CL A | 02079K305 |  | 743691 | 8429 | SH |  | SOLE |  | 0 | 0 | 8429 |
| AMAZON COM INC | COM | 023135106 |  | 1052856 | 12534 | SH |  | SOLE |  | 0 | 0 | 12534 |
| AMEREN CORP | COM | 023608102 |  | 439798 | 4946 | SH |  | SOLE |  | 0 | 0 | 4946 |
| AMERICAN CENTY ETF TR | US LARGE CAP VLU | 025072349 |  | 218543 | 4354 | SH |  | SOLE |  | 0 | 0 | 4354 |
| AMERICAN CENTY ETF TR | AVANTIS US SMALL | 025072323 |  | 229200 | 5287 | SH |  | SOLE |  | 0 | 0 | 5287 |
| AMERICAN CENTY ETF TR | DIVERSIFIED MU | 025072505 |  | 2507939 | 51256 | SH |  | SOLE |  | 0 | 0 | 51256 |
| AMERICAN CENTY ETF TR | US SML CP VALU | 025072877 |  | 744085 | 9986 | SH |  | SOLE |  | 0 | 0 | 9986 |
| AMERICAN CENTY ETF TR | INTL EQT ETF | 025072703 |  | 280323 | 5270 | SH |  | SOLE |  | 0 | 0 | 5270 |
| APPLE INC | COM | 037833100 |  | 2353388 | 18113 | SH |  | SOLE |  | 0 | 0 | 18113 |
| CHEVRON CORP NEW | COM | 166764100 |  | 594553 | 3312 | SH |  | SOLE |  | 0 | 0 | 3312 |
| CISCO SYS INC | COM | 17275R102 |  | 342392 | 7187 | SH |  | SOLE |  | 0 | 0 | 7187 |
| DIMENSIONAL ETF TRUST | US CORE EQT MKT | 25434V104 |  | 2399170 | 88792 | SH |  | SOLE |  | 0 | 0 | 88792 |
| DIMENSIONAL ETF TRUST | INTL CORE EQT MK | 25434V203 |  | 2850566 | 113840 | SH |  | SOLE |  | 0 | 0 | 113840 |
| DIMENSIONAL ETF TRUST | EMGR CRE EQT MNG | 25434V302 |  | 992366 | 45210 | SH |  | SOLE |  | 0 | 0 | 45210 |
| DIMENSIONAL ETF TRUST | US EQUITY ETF | 25434V401 |  | 6982510 | 167808 | SH |  | SOLE |  | 0 | 0 | 167808 |
| DIMENSIONAL ETF TRUST | US CORE EQUITY 2 | 25434V708 |  | 1592333 | 65582 | SH |  | SOLE |  | 0 | 0 | 65582 |
| DIMENSIONAL ETF TRUST | US SMALL CAP ETF | 25434V500 |  | 2902646 | 56748 | SH |  | SOLE |  | 0 | 0 | 56748 |
| DIMENSIONAL ETF TRUST | US TARGETED VLU | 25434V609 |  | 331119 | 7534 | SH |  | SOLE |  | 0 | 0 | 7534 |
| DIMENSIONAL ETF TRUST | WORLD EX US CORE | 25434V880 |  | 2503182 | 115888 | SH |  | SOLE |  | 0 | 0 | 115888 |
| DIMENSIONAL ETF TRUST | US HIGH PROFITAB | 25434V831 |  | 971913 | 40480 | SH |  | SOLE |  | 0 | 0 | 40480 |
| DIMENSIONAL ETF TRUST | US SMALL CAP VAL | 25434V815 |  | 229141 | 9251 | SH |  | SOLE |  | 0 | 0 | 9251 |
| DIMENSIONAL ETF TRUST | INTL HIGH PROFIT | 25434V765 |  | 307429 | 13942 | SH |  | SOLE |  | 0 | 0 | 13942 |
| DIMENSIONAL ETF TRUST | INTL CORE EQUITY | 25434V799 |  | 313884 | 14044 | SH |  | SOLE |  | 0 | 0 | 14044 |
| DIMENSIONAL ETF TRUST | EMERGING MKTS CO | 25434V732 |  | 311321 | 13861 | SH |  | SOLE |  | 0 | 0 | 13861 |
| DIMENSIONAL ETF TRUST | US MKTWIDE VALUE | 25434V724 |  | 4163867 | 124369 | SH |  | SOLE |  | 0 | 0 | 124369 |
| DIMENSIONAL ETF TRUST | NATL MUN BD ETF | 25434V849 |  | 3219428 | 67338 | SH |  | SOLE |  | 0 | 0 | 67338 |
| DOMINION ENERGY INC | COM | 25746U109 |  | 245280 | 4000 | SH |  | SOLE |  | 0 | 0 | 4000 |
| DTE ENERGY CO | COM | 233331107 |  | 457750 | 3895 | SH |  | SOLE |  | 0 | 0 | 3895 |
| EXXON MOBIL CORP | COM | 30231G102 |  | 229216 | 2078 | SH |  | SOLE |  | 0 | 0 | 2078 |
| FORTINET INC | COM | 34959E109 |  | 319007 | 6525 | SH |  | SOLE |  | 0 | 0 | 6525 |
| GRACO INC | COM | 384109104 |  | 267291 | 3974 | SH |  | SOLE |  | 0 | 0 | 3974 |
| HUNTINGTON BANCSHARES INC | COM | 446150104 |  | 428273 | 30374 | SH |  | SOLE |  | 0 | 0 | 30374 |
| ISHARES TR | MSCI EAFE ETF | 464287465 |  | 1670013 | 25442 | SH |  | SOLE |  | 0 | 0 | 25442 |
| ISHARES TR | CORE S MCP ETF | 464287507 |  | 1897918 | 7846 | SH |  | SOLE |  | 0 | 0 | 7846 |
| ISHARES TR | CORE S ETF | 464287200 |  | 754588 | 1964 | SH |  | SOLE |  | 0 | 0 | 1964 |
| ISHARES TR | RUS 1000 GRW ETF | 464287614 |  | 391925 | 1829 | SH |  | SOLE |  | 0 | 0 | 1829 |
| ISHARES TR | RUSSELL 2000 ETF | 464287655 |  | 1436249 | 8237 | SH |  | SOLE |  | 0 | 0 | 8237 |
| ISHARES TR | MSCI USA MIN VOL | 46429B697 |  | 422939 | 5866 | SH |  | SOLE |  | 0 | 0 | 5866 |
| ISHARES TR | NATIONAL MUN ETF | 464288414 |  | 809200 | 7669 | SH |  | SOLE |  | 0 | 0 | 7669 |
| ISHARES TR | EAFE SML CP ETF | 464288273 |  | 1050653 | 18602 | SH |  | SOLE |  | 0 | 0 | 18602 |
| ISHARES TR | MSCI USA VALUE | 46432F388 |  | 298939 | 3280 | SH |  | SOLE |  | 0 | 0 | 3280 |
| ISHARES TR | MSCI USA SML CP | 46434V290 |  | 3039665 | 61210 | SH |  | SOLE |  | 0 | 0 | 61210 |
| JOHNSON  JOHNSON | COM | 478160104 |  | 482876 | 2734 | SH |  | SOLE |  | 0 | 0 | 2734 |
| LILLY ELI  CO | COM | 532457108 |  | 386684 | 1057 | SH |  | SOLE |  | 0 | 0 | 1057 |
| MCDONALDS CORP | COM | 580135101 |  | 342596 | 1300 | SH |  | SOLE |  | 0 | 0 | 1300 |
| MICROSOFT CORP | COM | 594918104 |  | 2523642 | 10523 | SH |  | SOLE |  | 0 | 0 | 10523 |
| NIKE INC | CL B | 654106103 |  | 212139 | 1813 | SH |  | SOLE |  | 0 | 0 | 1813 |
| NORDSON CORP | COM | 655663102 |  | 242183 | 1019 | SH |  | SOLE |  | 0 | 0 | 1019 |
| ORACLE CORP | COM | 68389X105 |  | 332355 | 4066 | SH |  | SOLE |  | 0 | 0 | 4066 |
| PARSONS CORP DEL | COM | 70202L102 |  | 786250 | 17000 | SH |  | SOLE |  | 0 | 0 | 17000 |
| PEPSICO INC | COM | 713448108 |  | 564021 | 3122 | SH |  | SOLE |  | 0 | 0 | 3122 |
| PFIZER INC | COM | 717081103 |  | 426477 | 8323 | SH |  | SOLE |  | 0 | 0 | 8323 |
| SMITH A O CORP | COM | 831865209 |  | 260442 | 4550 | SH |  | SOLE |  | 0 | 0 | 4550 |
| SOLID POWER INC | CLASS A COM | 83422N105 |  | 35560 | 14000 | SH |  | SOLE |  | 0 | 0 | 14000 |
| SOUTHERN CO | COM | 842587107 |  | 273500 | 3830 | SH |  | SOLE |  | 0 | 0 | 3830 |
| SPDR S 500 ETF TR | TR UNIT | 78462F103 |  | 10043244 | 26262 | SH |  | SOLE |  | 0 | 0 | 26262 |
| SPDR S MIDCAP 400 ETF TR | UTSER1 S | 78467Y107 |  | 1205274 | 2722 | SH |  | SOLE |  | 0 | 0 | 2722 |
| SYSCO CORP | COM | 871829107 |  | 36966205 | 483534 | SH |  | SOLE |  | 0 | 0 | 483534 |
| UNITEDHEALTH GROUP INC | COM | 91324P102 |  | 266681 | 503 | SH |  | SOLE |  | 0 | 0 | 503 |
| VANGUARD INDEX FDS | TOTAL STK MKT | 922908769 |  | 218424 | 1142 | SH |  | SOLE |  | 0 | 0 | 1142 |
| VANGUARD INDEX FDS | VALUE ETF | 922908744 |  | 252317 | 1798 | SH |  | SOLE |  | 0 | 0 | 1798 |
| VANGUARD INDEX FDS | MID CAP ETF | 922908629 |  | 2489365 | 12214 | SH |  | SOLE |  | 0 | 0 | 12214 |
| VANGUARD INDEX FDS | SMALL CP ETF | 922908751 |  | 316692 | 1725 | SH |  | SOLE |  | 0 | 0 | 1725 |
| VANGUARD INDEX FDS | S 500 ETF SHS | 922908363 |  | 1027745 | 2925 | SH |  | SOLE |  | 0 | 0 | 2925 |
| VANGUARD MALVERN FDS | STRM INFPROIDX | 922020805 |  | 257130 | 5505 | SH |  | SOLE |  | 0 | 0 | 5505 |
| VANGUARD SCOTTSDALE FDS | VNG RUS1000GRW | 92206C680 |  | 913543 | 16574 | SH |  | SOLE |  | 0 | 0 | 16574 |
| VANGUARD TAX-MANAGED FDS | VAN FTSE DEV MKT | 921943858 |  | 424871 | 10123 | SH |  | SOLE |  | 0 | 0 | 10123 |
| VERIZON COMMUNICATIONS INC | COM | 92343V104 |  | 233211 | 5919 | SH |  | SOLE |  | 0 | 0 | 5919 |
| VISA INC | COM CL A | 92826C839 |  | 758324 | 3650 | SH |  | SOLE |  | 0 | 0 | 3650 |

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