# EDGAR Filing Document

**Accession Number:** 0001127612
**File Stem:** 0001085146-23-001212
**Filing Date:** 2023-2
**Character Count:** 15872
**Document Hash:** fe5796c49b87db0ada5db0831c9fad61
**Contains OCR:** False
**Source Format:** 

## Filing Content

## Filing Summary
**0001085146-23-001212.hdr.sgml**: 20230214

**ACCESSION NUMBER**: 0001085146-23-001212

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

**PUBLIC DOCUMENT COUNT**: 2

**CONFORMED PERIOD OF REPORT**: 20221231

**FILED AS OF DATE**: 20230214

**DATE AS OF CHANGE**: 20230214

**EFFECTIVENESS DATE**: 20230214

**FILER**: 

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** MAINSTAY CAPITAL MANAGEMENT LLC /ADV
- **CENTRAL INDEX KEY:** 0001127612
- **IRS NUMBER:** 383561339
- **STATE OF INCORPORATION:** MI
- **FISCAL YEAR END:** 1231

**FILING VALUES:**
- **FORM TYPE:** 13F-HR
- **SEC ACT:** 1934 Act
- **SEC FILE NUMBER:** 028-18705
- **FILM NUMBER:** 23623999

**BUSINESS ADDRESS:**
- **STREET 1:** 10775 SOUTH SAGINAW BLD C
- **STREET 2:** STE F
- **CITY:** GRAND BLANC
- **STATE:** MI
- **ZIP:** 48439
- **BUSINESS PHONE:** 8664446246

**MAIL ADDRESS:**
- **STREET 1:** 10775 SOUTH SAGINAW ST.
- **STREET 2:** BLDG C, SUITE F
- **CITY:** GRAND BLANC
- **STATE:** MI
- **ZIP:** 48439

**FORMER COMPANY:**
- **FORMER CONFORMED NAME:** MAINSTAY CAPITAL MANAGEMENT LLC                         /ADV
- **DATE OF NAME CHANGE:** 20001101

### 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:** MAINSTAY CAPITAL MANAGEMENT LLC /ADV<br>**Address:** 10775 SOUTH SAGINAW ST.<br>BLDG C SUITE F<br>GRAND BLANC, MI 48439

**Form 13F File Number:** 028-18705

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:** Jeremiah Ludington<br>**Title:** Chief Compliance Officer<br>**Phone:** 810-953-5510

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

/s/Jeremiah Ludington  Grand Blanc, MI  02-14-2023<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:** 109

**Form 13F Information Table Value Total:** $450170332

      (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 |
| ALPHABET INC | CAP STK CL C | 02079K107 | BBG009S3NB21 | 1166800 | 13150 | SH |  | SOLE |  | 0 | 0 | 13150 |
| AMAZON COM INC | COM | 023135106 | BBG001S5PQL7 | 799260 | 9515 | SH |  | SOLE |  | 0 | 0 | 9515 |
| AMERICAN CENTY ETF TR | STOXX US QLTY | 025072307 | BBG00LY8L335 | 28898739 | 500671 | SH |  | SOLE |  | 0 | 0 | 500671 |
| AON PLC | SHS CL A | G0403H108 | BBG00SSQFPR9 | 274662 | 915 | SH |  | SOLE |  | 0 | 0 | 915 |
| APPLE INC | COM | 037833100 | BBG001S5N8V8 | 1896456 | 14596 | SH |  | SOLE |  | 0 | 0 | 14596 |
| BANK MONTREAL QUE | COM | 063671101 | BBG001S5Y203 | 1419702 | 15670 | SH |  | SOLE |  | 0 | 0 | 15670 |
| CHUBB LIMITED | COM | H1467J104 | BBG001S8S1L3 | 1050497 | 4762 | SH |  | SOLE |  | 0 | 0 | 4762 |
| CISCO SYS INC | COM | 17275R102 | BBG001S6HC62 | 2095762 | 43992 | SH |  | SOLE |  | 0 | 0 | 43992 |
| COCA COLA CO | COM | 191216100 | BBG001S5SMQ8 | 1053763 | 16566 | SH |  | SOLE |  | 0 | 0 | 16566 |
| DELTA AIR LINES INC DEL | COM NEW | 247361702 | BBG001SPT759 | 211126 | 6425 | SH |  | SOLE |  | 0 | 0 | 6425 |
| DEVON ENERGY CORP NEW | COM | 25179M103 | BBG001S63VG4 | 218448 | 3551 | SH |  | SOLE |  | 0 | 0 | 3551 |
| DIGITAL RLTY TR INC | COM | 253868103 | BBG001SM0K30 | 778095 | 7760 | SH |  | SOLE |  | 0 | 0 | 7760 |
| DISNEY WALT CO | COM | 254687106 | BBG001S5QHF3 | 708680 | 8157 | SH |  | SOLE |  | 0 | 0 | 8157 |
| DOMINION ENERGY INC | COM | 25746U109 | BBG001S5QCP3 | 881168 | 14370 | SH |  | SOLE |  | 0 | 0 | 14370 |
| DUKE ENERGY CORP NEW | COM NEW | 26441C204 | BBG001S5QNR7 | 288224 | 2799 | SH |  | SOLE |  | 0 | 0 | 2799 |
| EASTMAN CHEM CO | COM | 277432100 | BBG001S7JNP3 | 1610476 | 19775 | SH |  | SOLE |  | 0 | 0 | 19775 |
| ETHAN ALLEN INTERIORS INC | COM | 297602104 | BBG001S67JZ6 | 1698542 | 64290 | SH |  | SOLE |  | 0 | 0 | 64290 |
| EXXON MOBIL CORP | COM | 30231G102 | BBG001S69V32 | 3162199 | 28669 | SH |  | SOLE |  | 0 | 0 | 28669 |
| FIRST SOLAR INC | COM | 336433107 | BBG001S991Z7 | 331785 | 2215 | SH |  | SOLE |  | 0 | 0 | 2215 |
| FIRST TR EXCH TRADED FD III | MERGER ARBITRA | 33740J203 | BBG00RHJ0RY3 | 14330833 | 710418 | SH |  | SOLE |  | 0 | 0 | 710418 |
| FORD MTR CO DEL | COM | 345370860 | BBG001S5TZ33 | 520593 | 44763 | SH |  | SOLE |  | 0 | 0 | 44763 |
| GENERAL MLS INC | COM | 370334104 | BBG001S5RKR2 | 1986826 | 23695 | SH |  | SOLE |  | 0 | 0 | 23695 |
| GENERAL MTRS CO | COM | 37045V100 | BBG001SM1DK6 | 403060 | 11982 | SH |  | SOLE |  | 0 | 0 | 11982 |
| GRANITESHARES ETF TR | BBG COMMD K 1 | 38747R108 | BBG00GQVSFK1 | 571179 | 25397 | SH |  | SOLE |  | 0 | 0 | 25397 |
| HERSHEY CO | COM | 427866108 | BBG001S5S148 | 463140 | 2000 | SH |  | SOLE |  | 0 | 0 | 2000 |
| HF SINCLAIR CORP | COM | 403949100 | BBG0135B2269 | 870196 | 16770 | SH |  | SOLE |  | 0 | 0 | 16770 |
| HOME DEPOT INC | COM | 437076102 | BBG001S5RTW7 | 735638 | 2329 | SH |  | SOLE |  | 0 | 0 | 2329 |
| HONEYWELL INTL INC | COM | 438516106 | BBG001S5X1N1 | 1996205 | 9315 | SH |  | SOLE |  | 0 | 0 | 9315 |
| HP INC | COM | 40434L105 | BBG001S6W7N7 | 1855239 | 69045 | SH |  | SOLE |  | 0 | 0 | 69045 |
| INVESCO ACTVELY MNGD ETC FD | OPTIMUM YIELD | 46090F100 | BBG007HL81B6 | 485124 | 32823 | SH |  | SOLE |  | 0 | 0 | 32823 |
| INVESCO EXCH TRADED FD TR II | EMRNG MKT SVRG | 46138E784 | BBG001T06LF6 | 263229 | 14099 | SH |  | SOLE |  | 0 | 0 | 14099 |
| INVESCO EXCH TRADED FD TR II | SR LN ETF | 46138G508 | BBG001V0MBC0 | 374139 | 18224 | SH |  | SOLE |  | 0 | 0 | 18224 |
| INVESCO EXCHANGE TRADED FD T | DYNMC ENRG EXP | 46137V761 | BBG001SPHL97 | 9899566 | 334671 | SH |  | SOLE |  | 0 | 0 | 334671 |
| INVESCO EXCHANGE TRADED FD T | S EQL WGT | 46137V357 | BBG00KJR2NN7 | 226706 | 1605 | SH |  | SOLE |  | 0 | 0 | 1605 |
| INVESCO EXCHANGE TRADED FD T | S PUR GWT | 46137V266 | BBG00KJR2976 | 19322136 | 127446 | SH |  | SOLE |  | 0 | 0 | 127446 |
| INVESCO EXCHANGE TRADED FD T | S QUALITY | 46137V241 | BBG001SDTVQ0 | 77484975 | 1761022 | SH |  | SOLE |  | 0 | 0 | 1761022 |
| ISHARES INC | MSCI AGRICULTURE | 464286350 | BBG002GKQX93 | 1922989 | 44877 | SH |  | SOLE |  | 0 | 0 | 44877 |
| ISHARES SILVER TR | ISHARES | 46428Q109 | BBG001SQLN69 | 307950 | 13985 | SH |  | SOLE |  | 0 | 0 | 13985 |
| ISHARES TR | 0-5YR HI YL CP | 46434V407 | BBG005DW06B7 | 440426 | 10771 | SH |  | SOLE |  | 0 | 0 | 10771 |
| ISHARES TR | 1 3 YR TREAS BD | 464287457 | BBG001SKXPR1 | 3292336 | 40561 | SH |  | SOLE |  | 0 | 0 | 40561 |
| ISHARES TR | IBOXX HI YD ETF | 464288513 | BBG001ST0ZQ7 | 506648 | 6881 | SH |  | SOLE |  | 0 | 0 | 6881 |
| ISHARES TR | MORNINGSTAR GRWT | 464287119 | BBG001SBRHJ5 | 453454 | 9315 | SH |  | SOLE |  | 0 | 0 | 9315 |
| ISHARES TR | RUSSELL 2000 ETF | 464287655 | BBG001SFC7Y7 | 959329 | 5502 | SH |  | SOLE |  | 0 | 0 | 5502 |
| ISHARES TR | S MC 400GR ETF | 464287606 | BBG001SFQL08 | 372850 | 5459 | SH |  | SOLE |  | 0 | 0 | 5459 |
| ISHARES TR | TIPS BD ETF | 464287176 | BBG001SD9RM5 | 466526 | 4383 | SH |  | SOLE |  | 0 | 0 | 4383 |
| ISHARES TR | U.S. INSRNCE ETF | 464288786 | BBG001SQZTC4 | 21643076 | 236795 | SH |  | SOLE |  | 0 | 0 | 236795 |
| ISHARES TR | US CONSM STAPLES | 464287812 | BBG001SF7V89 | 38181446 | 188290 | SH |  | SOLE |  | 0 | 0 | 188290 |
| JOHNSON  JOHNSON | COM | 478160104 | BBG001S5SHQ9 | 451361 | 2555 | SH |  | SOLE |  | 0 | 0 | 2555 |
| JPMORGAN CHASE  CO | COM | 46625H100 | BBG001S8CRC3 | 1561461 | 11644 | SH |  | SOLE |  | 0 | 0 | 11644 |
| KELLOGG CO | COM | 487836108 | BBG001S5SJL0 | 829590 | 11645 | SH |  | SOLE |  | 0 | 0 | 11645 |
| KINDER MORGAN INC DEL | COM | 49456B101 | BBG001TG2YZ5 | 262440 | 14515 | SH |  | SOLE |  | 0 | 0 | 14515 |
| KRANESHARES TR | KFA MOUNT LUCAS | 500767652 | BBG00YD8RJB0 | 1468692 | 48075 | SH |  | SOLE |  | 0 | 0 | 48075 |
| LOCKHEED MARTIN CORP | COM | 539830109 | BBG001S7PS57 | 353192 | 726 | SH |  | SOLE |  | 0 | 0 | 726 |
| M  T BK CORP | COM | 55261F104 | BBG001S7S2B4 | 1819488 | 12543 | SH |  | SOLE |  | 0 | 0 | 12543 |
| MCCORMICK  CO INC | COM NON VTG | 579780206 | BBG001S79S19 | 956965 | 11545 | SH |  | SOLE |  | 0 | 0 | 11545 |
| MCKESSON CORP | COM | 58155Q103 | BBG001S8F8P8 | 1215764 | 3241 | SH |  | SOLE |  | 0 | 0 | 3241 |
| MICROCHIP TECHNOLOGY INC. | COM | 595017104 | BBG001S787B5 | 1502296 | 21385 | SH |  | SOLE |  | 0 | 0 | 21385 |
| MICROSOFT CORP | COM | 594918104 | BBG001S5TD05 | 1269880 | 5295 | SH |  | SOLE |  | 0 | 0 | 5295 |
| NEXTERA ENERGY INC | COM | 65339F101 | BBG001S5RB29 | 222179 | 2658 | SH |  | SOLE |  | 0 | 0 | 2658 |
| NORTHROP GRUMMAN CORP | COM | 666807102 | BBG001S5TP26 | 357062 | 654 | SH |  | SOLE |  | 0 | 0 | 654 |
| NUTRIEN LTD | COM | 67077M108 | BBG00JM9SM69 | 917987 | 12570 | SH |  | SOLE |  | 0 | 0 | 12570 |
| ONEOK INC NEW | COM | 682680103 | BBG001S5TWK1 | 2383925 | 36285 | SH |  | SOLE |  | 0 | 0 | 36285 |
| PACER FDS TR | GLOBL CASH ETF | 69374H709 | BBG00BLVPPY3 | 27507700 | 866657 | SH |  | SOLE |  | 0 | 0 | 866657 |
| PACER FDS TR | US CASH COWS 100 | 69374H881 | BBG00FJQN752 | 71519819 | 1546374 | SH |  | SOLE |  | 0 | 0 | 1546374 |
| PALANTIR TECHNOLOGIES INC | CL A | 69608A108 | BBG001T53796 | 77804 | 12119 | SH |  | SOLE |  | 0 | 0 | 12119 |
| PFIZER INC | COM | 717081103 | BBG001S5V466 | 1538303 | 30022 | SH |  | SOLE |  | 0 | 0 | 30022 |
| PIMCO ETF TR | ACTIVE BD ETF | 72201R775 | BBG002N12C17 | 835039 | 9229 | SH |  | SOLE |  | 0 | 0 | 9229 |
| PROCTER AND GAMBLE CO | COM | 742718109 | BBG001S5V4L9 | 2420998 | 15974 | SH |  | SOLE |  | 0 | 0 | 15974 |
| PROSHARES TR | LARGE CAP CRE | 74347R248 | BBG001T551S6 | 228143 | 5080 | SH |  | SOLE |  | 0 | 0 | 5080 |
| PROSHARES TR | SHRT RL EST FD | 74347G366 | BBG001T7CNH8 | 16311790 | 801168 | SH |  | SOLE |  | 0 | 0 | 801168 |
| PRUDENTIAL FINL INC | COM | 744320102 | BBG001S97MM7 | 1914804 | 19252 | SH |  | SOLE |  | 0 | 0 | 19252 |
| PUBLIC SVC ENTERPRISE GRP IN | COM | 744573106 | BBG001S5V3C1 | 243872 | 3980 | SH |  | SOLE |  | 0 | 0 | 3980 |
| QUALCOMM INC | COM | 747525103 | BBG001S6VS70 | 304363 | 2768 | SH |  | SOLE |  | 0 | 0 | 2768 |
| RAYTHEON TECHNOLOGIES CORP | COM | 75513E101 | BBG001S5X5Q9 | 1758632 | 17426 | SH |  | SOLE |  | 0 | 0 | 17426 |
| RIO TINTO PLC | SPONSORED ADR | 767204100 | BBG001SB0LX9 | 2082600 | 29250 | SH |  | SOLE |  | 0 | 0 | 29250 |
| SALESFORCE INC | COM | 79466L302 | BBG001SDLP09 | 798987 | 6026 | SH |  | SOLE |  | 0 | 0 | 6026 |
| SCHLUMBERGER LTD | COM STK | 806857108 | BBG001S5W4C8 | 323444 | 6050 | SH |  | SOLE |  | 0 | 0 | 6050 |
| SCHWAB STRATEGIC TR | INTL EQTY ETF | 808524805 | BBG001T5XQY3 | 325546 | 10107 | SH |  | SOLE |  | 0 | 0 | 10107 |
| SCHWAB STRATEGIC TR | INTL SCEQT ETF | 808524888 | BBG001T6L7C0 | 300948 | 9563 | SH |  | SOLE |  | 0 | 0 | 9563 |
| SCHWAB STRATEGIC TR | US LRG CAP ETF | 808524201 | BBG001T5XQV6 | 2112208 | 46782 | SH |  | SOLE |  | 0 | 0 | 46782 |
| SCHWAB STRATEGIC TR | US REIT ETF | 808524847 | BBG001V039G2 | 587188 | 30440 | SH |  | SOLE |  | 0 | 0 | 30440 |
| SCHWAB STRATEGIC TR | US SML CAP ETF | 808524607 | BBG001T5XQW5 | 1437619 | 35488 | SH |  | SOLE |  | 0 | 0 | 35488 |
| SELECT SECTOR SPDR TR | ENERGY | 81369Y506 | BBG001S7T1S7 | 7957146 | 90970 | SH |  | SOLE |  | 0 | 0 | 90970 |
| SIMON PPTY GROUP INC NEW | COM | 828806109 | BBG001S77WM9 | 1582455 | 13470 | SH |  | SOLE |  | 0 | 0 | 13470 |
| SOUTHERN CO | COM | 842587107 | BBG001S5W777 | 2165442 | 30324 | SH |  | SOLE |  | 0 | 0 | 30324 |
| SPDR GOLD TR | GOLD SHS | 78463V107 | BBG001SCPX28 | 1358986 | 8011 | SH |  | SOLE |  | 0 | 0 | 8011 |
| SPDR S 500 ETF TR | TR UNIT | 78462F103 | BBG001S72SM3 | 261200 | 683 | SH |  | SOLE |  | 0 | 0 | 683 |
| SPDR SER TR | PORTFOLIO INTRMD | 78464A375 | BBG001T2HCY9 | 341027 | 10714 | SH |  | SOLE |  | 0 | 0 | 10714 |
| SPDR SER TR | PRTFLO S GW | 78464A409 | BBG001SD7RB9 | 20373764 | 402087 | SH |  | SOLE |  | 0 | 0 | 402087 |
| STATE STR CORP | COM | 857477103 | BBG001S5RLD5 | 1527586 | 19693 | SH |  | SOLE |  | 0 | 0 | 19693 |
| STMICROELECTRONICS N V | NY REGISTRY | 861012102 | BBG001S5WDM7 | 224625 | 6315 | SH |  | SOLE |  | 0 | 0 | 6315 |
| TIDAL ETF TR | LEATHERBACK LNG | 886364850 | BBG00Y6SLWR4 | 279478 | 9519 | SH |  | SOLE |  | 0 | 0 | 9519 |
| TRANSDIGM GROUP INC | COM | 893641100 | BBG001SPV1C1 | 1290783 | 2050 | SH |  | SOLE |  | 0 | 0 | 2050 |
| UNIFIED SER TR | ABSLUTE SELCT VL | 90470L568 | BBG00RHHGRP0 | 2585500 | 92915 | SH |  | SOLE |  | 0 | 0 | 92915 |
| UNILEVER PLC | SPON ADR NEW | 904767704 | BBG001S5X1K4 | 1645438 | 32680 | SH |  | SOLE |  | 0 | 0 | 32680 |
| US BANCORP DEL | COM NEW | 902973304 | BBG001S6T8C1 | 1505155 | 34514 | SH |  | SOLE |  | 0 | 0 | 34514 |
| VANECK ETF TRUST | PREFERRED SECURT | 92189F429 | BBG0034VZPF0 | 582778 | 34876 | SH |  | SOLE |  | 0 | 0 | 34876 |
| VANGUARD CHARLOTTE FDS | TOTAL INT BD ETF | 92203J407 | BBG004N1LGK2 | 416151 | 8774 | SH |  | SOLE |  | 0 | 0 | 8774 |
| VANGUARD INDEX FDS | GROWTH ETF | 922908736 | BBG001SHTTS4 | 788507 | 3700 | SH |  | SOLE |  | 0 | 0 | 3700 |
| VANGUARD INDEX FDS | VALUE ETF | 922908744 | BBG001SHVR78 | 235400 | 1677 | SH |  | SOLE |  | 0 | 0 | 1677 |
| VANGUARD SCOTTSDALE FDS | MTG-BKD SECS ETF | 92206C771 | BBG001T62MF5 | 424324 | 9322 | SH |  | SOLE |  | 0 | 0 | 9322 |
| VISA INC | COM CL A | 92826C839 | BBG001SRCFY3 | 1232224 | 5931 | SH |  | SOLE |  | 0 | 0 | 5931 |
| WASTE CONNECTIONS INC | COM | 94106B101 | BBG001SKJ4K1 | 257829 | 1945 | SH |  | SOLE |  | 0 | 0 | 1945 |
| WASTE MGMT INC DEL | COM | 94106L109 | BBG001S5XH47 | 1035564 | 6601 | SH |  | SOLE |  | 0 | 0 | 6601 |
| WELLS FARGO CO NEW | COM | 949746101 | BBG001S5XF23 | 707173 | 17127 | SH |  | SOLE |  | 0 | 0 | 17127 |
| WESCO INTL INC | COM | 95082P105 | BBG001SCRP78 | 271684 | 2170 | SH |  | SOLE |  | 0 | 0 | 2170 |
| WESTROCK CO | COM | 96145D105 | BBG008NXC581 | 1487971 | 42320 | SH |  | SOLE |  | 0 | 0 | 42320 |
| WISDOMTREE TR | GLB US QTLY DIV | 97717W844 | BBG001SHL791 | 2380848 | 73882 | SH |  | SOLE |  | 0 | 0 | 73882 |
| ZYNEX INC | COM | 98986M103 | BBG001S7T7V0 | 169007 | 12150 | SH |  | SOLE |  | 0 | 0 | 12150 |

---