# EDGAR Filing Document

**Accession Number:** 0000712011
**File Stem:** 0001765380-25-000361
**Filing Date:** 2025-8
**Character Count:** 11880
**Document Hash:** 004fd0dd53d06f2468d7d27c2f61337b
**Contains OCR:** False
**Source Format:** 

## Filing Content

## Filing Summary
**0001765380-25-000361.hdr.sgml**: 20250812

**ACCESSION NUMBER**: 0001765380-25-000361

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

**PUBLIC DOCUMENT COUNT**: 2

**CONFORMED PERIOD OF REPORT**: 20250630

**FILED AS OF DATE**: 20250812

**DATE AS OF CHANGE**: 20250812

**EFFECTIVENESS DATE**: 20250812

**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:** 251206434

**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:** 06-30-2025

**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  08-12-2025<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:** 80

**Form 13F Information Table Value Total:** $718647660

      (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 |  | 260880055 | 420164 | SH |  | SOLE |  | 0 | 0 | 420164 |
| ISHARES TR | CORE S MCP ETF | 464287507 |  | 78230348 | 1261373 | SH |  | SOLE |  | 0 | 0 | 1261373 |
| VANGUARD TAX-MANAGED FDS | VAN FTSE DEV MKT | 921943858 |  | 73217024 | 1284284 | SH |  | SOLE |  | 0 | 0 | 1284284 |
| INVESCO EXCH TRADED FD TR II | S 500 MOMNTM | 46138E339 |  | 66684420 | 592909 | SH |  | SOLE |  | 0 | 0 | 592909 |
| VANGUARD SPECIALIZED FUNDS | DIV APP ETF | 921908844 |  | 54770521 | 267604 | SH |  | SOLE |  | 0 | 0 | 267604 |
| ISHARES TR | CORE S SCP ETF | 464287804 |  | 37726850 | 345199 | SH |  | SOLE |  | 0 | 0 | 345199 |
| VANGUARD INDEX FDS | GROWTH ETF | 922908736 |  | 16545655 | 37741 | SH |  | SOLE |  | 0 | 0 | 37741 |
| SCHWAB STRATEGIC TR | INTL EQTY ETF | 808524805 |  | 15312335 | 692866 | SH |  | SOLE |  | 0 | 0 | 692866 |
| COLUMBIA ETF TR II | EM CORE EX ETF | 19762B202 |  | 11087773 | 324394 | SH |  | SOLE |  | 0 | 0 | 324394 |
| APPLE INC | COM | 037833100 |  | 11081258 | 54010 | SH |  | SOLE |  | 0 | 0 | 54010 |
| SPDR S 500 ETF TR | TR UNIT | 78462F103 |  | 11016031 | 17830 | SH |  | SOLE |  | 0 | 0 | 17830 |
| SCHWAB STRATEGIC TR | US LRG CAP ETF | 808524201 |  | 9243932 | 378230 | SH |  | SOLE |  | 0 | 0 | 378230 |
| VANGUARD INDEX FDS | VALUE ETF | 922908744 |  | 8534245 | 48287 | SH |  | SOLE |  | 0 | 0 | 48287 |
| ISHARES TR | ESG AWR MSCI USA | 46435G425 |  | 4255591 | 31453 | SH |  | SOLE |  | 0 | 0 | 31453 |
| SCHWAB STRATEGIC TR | US BRD MKT ETF | 808524102 |  | 3988848 | 167388 | SH |  | SOLE |  | 0 | 0 | 167388 |
| VANGUARD INDEX FDS | S 500 ETF SHS | 922908363 |  | 3922840 | 6906 | SH |  | SOLE |  | 0 | 0 | 6906 |
| MICROSOFT CORP | COM | 594918104 |  | 3782362 | 7604 | SH |  | SOLE |  | 0 | 0 | 7604 |
| ISHARES TR | RUSSELL 3000 ETF | 464287689 |  | 2693104 | 7673 | SH |  | SOLE |  | 0 | 0 | 7673 |
| J P MORGAN EXCHANGE TRADED F | JPMORGAN DIVER | 46641Q407 |  | 2564040 | 21694 | SH |  | SOLE |  | 0 | 0 | 21694 |
| VANGUARD BD INDEX FDS | TOTAL BND MRKT | 921937835 |  | 2284328 | 31024 | SH |  | SOLE |  | 0 | 0 | 31024 |
| DTE ENERGY CO | COM | 233331107 |  | 2063860 | 15581 | SH |  | SOLE |  | 0 | 0 | 15581 |
| PHILIP MORRIS INTL INC | COM | 718172109 |  | 1900709 | 10436 | SH |  | SOLE |  | 0 | 0 | 10436 |
| ISHARES TR | ESG AWR US AGRGT | 46435U549 |  | 1878021 | 39504 | SH |  | SOLE |  | 0 | 0 | 39504 |
| NVIDIA CORPORATION | COM | 67066G104 |  | 1775487 | 11238 | SH |  | SOLE |  | 0 | 0 | 11238 |
| SCHWAB STRATEGIC TR | US DIVIDEND EQ | 808524797 |  | 1672652 | 63119 | SH |  | SOLE |  | 0 | 0 | 63119 |
| ISHARES TR | RUS 1000 GRW ETF | 464287614 |  | 1636756 | 3855 | SH |  | SOLE |  | 0 | 0 | 3855 |
| ISHARES TR | ESG AW MSCI EAFE | 46435G516 |  | 1417796 | 15891 | SH |  | SOLE |  | 0 | 0 | 15891 |
| BERKSHIRE HATHAWAY INC DEL | CL B NEW | 084670702 |  | 1374730 | 2830 | SH |  | SOLE |  | 0 | 0 | 2830 |
| AMAZON COM INC | COM | 023135106 |  | 1159338 | 5284 | SH |  | SOLE |  | 0 | 0 | 5284 |
| ISHARES U S ETF TR | SHORT DURATION B | 46431W507 |  | 1124047 | 21997 | SH |  | SOLE |  | 0 | 0 | 21997 |
| COMPASS INC | CL A | 20464U100 |  | 1064837 | 169560 | SH |  | SOLE |  | 0 | 0 | 169560 |
| ISHARES TR | ESG AWARE MSCI | 46435U663 |  | 1028746 | 24891 | SH |  | SOLE |  | 0 | 0 | 24891 |
| INTERNATIONAL BUSINESS MACHS | COM | 459200101 |  | 1021187 | 3464 | SH |  | SOLE |  | 0 | 0 | 3464 |
| ISHARES TR | SP SMCP600VL ETF | 464287879 |  | 1019872 | 10251 | SH |  | SOLE |  | 0 | 0 | 10251 |
| MONDELEZ INTL INC | CL A | 609207105 |  | 916105 | 13584 | SH |  | SOLE |  | 0 | 0 | 13584 |
| META PLATFORMS INC | CL A | 30303M102 |  | 889399 | 1205 | SH |  | SOLE |  | 0 | 0 | 1205 |
| ISHARES BITCOIN TRUST ETF | SHS BEN INT | 46438F101 |  | 886872 | 14489 | SH |  | SOLE |  | 0 | 0 | 14489 |
| MORNINGSTAR INC | COM | 617700109 |  | 750921 | 2392 | SH |  | SOLE |  | 0 | 0 | 2392 |
| JPMORGAN CHASE  CO. | COM | 46625H100 |  | 739561 | 2551 | SH |  | SOLE |  | 0 | 0 | 2551 |
| GRACO INC | COM | 384109104 |  | 725243 | 8436 | SH |  | SOLE |  | 0 | 0 | 8436 |
| ISHARES TR | NATIONAL MUN ETF | 464288414 |  | 718092 | 6873 | SH |  | SOLE |  | 0 | 0 | 6873 |
| SCHWAB STRATEGIC TR | US MID-CAP ETF | 808524508 |  | 710195 | 25319 | SH |  | SOLE |  | 0 | 0 | 25319 |
| INVESCO MUN OPPORTUNITY TR | COM | 46132C107 |  | 670140 | 73000 | SH |  | SOLE |  | 0 | 0 | 73000 |
| VANGUARD INDEX FDS | TOTAL STK MKT | 922908769 |  | 664088 | 2185 | SH |  | SOLE |  | 0 | 0 | 2185 |
| LAM RESEARCH CORP | COM NEW | 512807306 |  | 647506 | 6652 | SH |  | SOLE |  | 0 | 0 | 6652 |
| BROADCOM INC | COM | 11135F101 |  | 589340 | 2138 | SH |  | SOLE |  | 0 | 0 | 2138 |
| TESLA INC | COM | 88160R101 |  | 587354 | 1849 | SH |  | SOLE |  | 0 | 0 | 1849 |
| ELI LILLY  CO | COM | 532457108 |  | 570616 | 732 | SH |  | SOLE |  | 0 | 0 | 732 |
| ISHARES TR | CORE MSCI EAFE | 46432F842 |  | 553556 | 6631 | SH |  | SOLE |  | 0 | 0 | 6631 |
| CATERPILLAR INC | COM | 149123101 |  | 533433 | 1374 | SH |  | SOLE |  | 0 | 0 | 1374 |
| INVESCO QQQ TR | UNIT SER 1 | 46090E103 |  | 481377 | 873 | SH |  | SOLE |  | 0 | 0 | 873 |
| VISA INC | COM CL A | 92826C839 |  | 458725 | 1292 | SH |  | SOLE |  | 0 | 0 | 1292 |
| FORD MTR CO | COM | 345370860 |  | 454756 | 41913 | SH |  | SOLE |  | 0 | 0 | 41913 |
| ALPHABET INC | CAP STK CL A | 02079K305 |  | 453793 | 2575 | SH |  | SOLE |  | 0 | 0 | 2575 |
| HONEYWELL INTL INC | COM | 438516106 |  | 450856 | 1936 | SH |  | SOLE |  | 0 | 0 | 1936 |
| NETFLIX INC | COM | 64110L106 |  | 439235 | 328 | SH |  | SOLE |  | 0 | 0 | 328 |
| PROCTER AND GAMBLE CO | COM | 742718109 |  | 390921 | 2454 | SH |  | SOLE |  | 0 | 0 | 2454 |
| ISHARES TR | CORE S TTL STK | 464287150 |  | 384459 | 2847 | SH |  | SOLE |  | 0 | 0 | 2847 |
| SCHWAB STRATEGIC TR | US SML CAP ETF | 808524607 |  | 371277 | 14675 | SH |  | SOLE |  | 0 | 0 | 14675 |
| TEXAS INSTRS INC | COM | 882508104 |  | 370947 | 1787 | SH |  | SOLE |  | 0 | 0 | 1787 |
| ILLINOIS TOOL WKS INC | COM | 452308109 |  | 357771 | 1447 | SH |  | SOLE |  | 0 | 0 | 1447 |
| ALPHABET INC | CAP STK CL C | 02079K107 |  | 338283 | 1907 | SH |  | SOLE |  | 0 | 0 | 1907 |
| ISHARES TR | CORE DIV GRWTH | 46434V621 |  | 335302 | 5244 | SH |  | SOLE |  | 0 | 0 | 5244 |
| INTUIT | COM | 461202103 |  | 334314 | 424 | SH |  | SOLE |  | 0 | 0 | 424 |
| CHEVRON CORP NEW | COM | 166764100 |  | 322277 | 2251 | SH |  | SOLE |  | 0 | 0 | 2251 |
| ABBVIE INC | COM | 00287Y109 |  | 290867 | 1567 | SH |  | SOLE |  | 0 | 0 | 1567 |
| COSTCO WHSL CORP NEW | COM | 22160K105 |  | 290053 | 293 | SH |  | SOLE |  | 0 | 0 | 293 |
| AMERICAN EXPRESS CO | COM | 025816109 |  | 277290 | 869 | SH |  | SOLE |  | 0 | 0 | 869 |
| EXXON MOBIL CORP | COM | 30231G102 |  | 275122 | 2552 | SH |  | SOLE |  | 0 | 0 | 2552 |
| ISHARES TR | RUS 1000 VAL ETF | 464287598 |  | 266678 | 1373 | SH |  | SOLE |  | 0 | 0 | 1373 |
| MASTERCARD INCORPORATED | CL A | 57636Q104 |  | 232644 | 414 | SH |  | SOLE |  | 0 | 0 | 414 |
| DISNEY WALT CO | COM | 254687106 |  | 231935 | 1870 | SH |  | SOLE |  | 0 | 0 | 1870 |
| ISHARES TR | S 500 GRWT ETF | 464287309 |  | 227137 | 2063 | SH |  | SOLE |  | 0 | 0 | 2063 |
| LINDE PLC | SHS | G54950103 |  | 226145 | 482 | SH |  | SOLE |  | 0 | 0 | 482 |
| CISCO SYS INC | COM | 17275R102 |  | 221925 | 3199 | SH |  | SOLE |  | 0 | 0 | 3199 |
| GLOBAL X FDS | S 500 CATHOLIC | 37954Y889 |  | 216844 | 2874 | SH |  | SOLE |  | 0 | 0 | 2874 |
| J P MORGAN EXCHANGE TRADED F | ULTRA SHRT ETF | 46641Q837 |  | 210677 | 4157 | SH |  | SOLE |  | 0 | 0 | 4157 |
| MCDONALDS CORP | COM | 580135101 |  | 210071 | 719 | SH |  | SOLE |  | 0 | 0 | 719 |
| GE AEROSPACE | COM NEW | 369604301 |  | 207199 | 805 | SH |  | SOLE |  | 0 | 0 | 805 |
| AT INC | COM | 00206R102 |  | 206761 | 7144 | SH |  | SOLE |  | 0 | 0 | 7144 |

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