# EDGAR Filing Document

**Accession Number:** 0000712011
**File Stem:** 0001765380-25-000485
**Filing Date:** 2025-11
**Character Count:** 12635
**Document Hash:** d08a3918b83b72fd075559410c2e30ab
**Contains OCR:** False
**Source Format:** 

## Filing Content

## Filing Summary
**0001765380-25-000485.hdr.sgml**: 20251112

**ACCESSION NUMBER**: 0001765380-25-000485

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

**PUBLIC DOCUMENT COUNT**: 2

**CONFORMED PERIOD OF REPORT**: 20250930

**FILED AS OF DATE**: 20251112

**DATE AS OF CHANGE**: 20251112

**EFFECTIVENESS DATE**: 20251112

**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:** 251471925

**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:** 09-30-2025

**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  11-12-2025<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:** 88

**Form 13F Information Table Value Total:** $778714747

      (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 |  | 281003776 | 419847 | SH |  | SOLE |  | 0 | 0 | 419847 |
| ISHARES TR | CORE S MCP ETF | 464287507 |  | 82786512 | 1268564 | SH |  | SOLE |  | 0 | 0 | 1268564 |
| VANGUARD TAX-MANAGED FDS | VAN FTSE DEV MKT | 921943858 |  | 78107805 | 1303535 | SH |  | SOLE |  | 0 | 0 | 1303535 |
| INVESCO EXCH TRADED FD TR II | S 500 MOMNTM | 46138E339 |  | 72536765 | 599180 | SH |  | SOLE |  | 0 | 0 | 599180 |
| VANGUARD SPECIALIZED FUNDS | DIV APP ETF | 921908844 |  | 58056073 | 269040 | SH |  | SOLE |  | 0 | 0 | 269040 |
| ISHARES TR | CORE S SCP ETF | 464287804 |  | 41312581 | 347661 | SH |  | SOLE |  | 0 | 0 | 347661 |
| VANGUARD INDEX FDS | GROWTH ETF | 922908736 |  | 17890892 | 37303 | SH |  | SOLE |  | 0 | 0 | 37303 |
| SCHWAB STRATEGIC TR | INTL EQTY ETF | 808524805 |  | 15888061 | 682477 | SH |  | SOLE |  | 0 | 0 | 682477 |
| APPLE INC | COM | 037833100 |  | 15370264 | 60363 | SH |  | SOLE |  | 0 | 0 | 60363 |
| COLUMBIA ETF TR II | EM CORE EX ETF | 19762B202 |  | 11969122 | 329456 | SH |  | SOLE |  | 0 | 0 | 329456 |
| SPDR S 500 ETF TR | TR UNIT | 78462F103 |  | 11632582 | 17462 | SH |  | SOLE |  | 0 | 0 | 17462 |
| SCHWAB STRATEGIC TR | US LRG CAP ETF | 808524201 |  | 9820927 | 372852 | SH |  | SOLE |  | 0 | 0 | 372852 |
| VANGUARD INDEX FDS | VALUE ETF | 922908744 |  | 8798785 | 47181 | SH |  | SOLE |  | 0 | 0 | 47181 |
| ISHARES TR | ESG AWR MSCI USA | 46435G425 |  | 4737970 | 32541 | SH |  | SOLE |  | 0 | 0 | 32541 |
| MICROSOFT CORP | COM | 594918104 |  | 4659019 | 8995 | SH |  | SOLE |  | 0 | 0 | 8995 |
| VANGUARD INDEX FDS | S 500 ETF SHS | 922908363 |  | 4428681 | 7232 | SH |  | SOLE |  | 0 | 0 | 7232 |
| SCHWAB STRATEGIC TR | US BRD MKT ETF | 808524102 |  | 4164556 | 161982 | SH |  | SOLE |  | 0 | 0 | 161982 |
| NVIDIA CORPORATION | COM | 67066G104 |  | 3346307 | 17935 | SH |  | SOLE |  | 0 | 0 | 17935 |
| ISHARES TR | RUSSELL 3000 ETF | 464287689 |  | 2882468 | 7607 | SH |  | SOLE |  | 0 | 0 | 7607 |
| DTE ENERGY CO | COM | 233331107 |  | 2203621 | 15581 | SH |  | SOLE |  | 0 | 0 | 15581 |
| ISHARES TR | ESG AWR US AGRGT | 46435U549 |  | 2001170 | 41665 | SH |  | SOLE |  | 0 | 0 | 41665 |
| J P MORGAN EXCHANGE TRADED F | JPMORGAN DIVER | 46641Q407 |  | 1858838 | 15002 | SH |  | SOLE |  | 0 | 0 | 15002 |
| VANGUARD BD INDEX FDS | TOTAL BND MRKT | 921937835 |  | 1835482 | 24680 | SH |  | SOLE |  | 0 | 0 | 24680 |
| ISHARES TR | RUS 1000 GRW ETF | 464287614 |  | 1805721 | 3855 | SH |  | SOLE |  | 0 | 0 | 3855 |
| PHILIP MORRIS INTL INC | COM | 718172109 |  | 1718834 | 10597 | SH |  | SOLE |  | 0 | 0 | 10597 |
| SCHWAB STRATEGIC TR | US DIVIDEND EQ | 808524797 |  | 1706740 | 62518 | SH |  | SOLE |  | 0 | 0 | 62518 |
| ISHARES BITCOIN TRUST ETF | SHS BEN INT | 46438F101 |  | 1521000 | 23400 | SH |  | SOLE |  | 0 | 0 | 23400 |
| ISHARES TR | ESG AW MSCI EAFE | 46435G516 |  | 1519387 | 16341 | SH |  | SOLE |  | 0 | 0 | 16341 |
| AMAZON COM INC | COM | 023135106 |  | 1496890 | 6817 | SH |  | SOLE |  | 0 | 0 | 6817 |
| ISHARES TR | NATIONAL MUN ETF | 464288414 |  | 1266806 | 11896 | SH |  | SOLE |  | 0 | 0 | 11896 |
| ISHARES TR | ESG AWARE MSCI | 46435U663 |  | 1187949 | 26352 | SH |  | SOLE |  | 0 | 0 | 26352 |
| BERKSHIRE HATHAWAY INC DEL | CL B NEW | 084670702 |  | 1185964 | 2359 | SH |  | SOLE |  | 0 | 0 | 2359 |
| META PLATFORMS INC | CL A | 30303M102 |  | 1143430 | 1557 | SH |  | SOLE |  | 0 | 0 | 1557 |
| ISHARES TR | SP SMCP600VL ETF | 464287879 |  | 1133659 | 10251 | SH |  | SOLE |  | 0 | 0 | 10251 |
| ISHARES U S ETF TR | SHORT DURATION B | 46431W507 |  | 1128007 | 21997 | SH |  | SOLE |  | 0 | 0 | 21997 |
| COMPASS INC | CL A | 20464U100 |  | 1120667 | 139560 | SH |  | SOLE |  | 0 | 0 | 139560 |
| INTERNATIONAL BUSINESS MACHS | COM | 459200101 |  | 956024 | 3388 | SH |  | SOLE |  | 0 | 0 | 3388 |
| LAM RESEARCH CORP | COM NEW | 512807306 |  | 938238 | 7007 | SH |  | SOLE |  | 0 | 0 | 7007 |
| JPMORGAN CHASE  CO. | COM | 46625H100 |  | 904654 | 2868 | SH |  | SOLE |  | 0 | 0 | 2868 |
| ALPHABET INC | CAP STK CL A | 02079K305 |  | 881967 | 3628 | SH |  | SOLE |  | 0 | 0 | 3628 |
| MONDELEZ INTL INC | CL A | 609207105 |  | 811361 | 12988 | SH |  | SOLE |  | 0 | 0 | 12988 |
| TESLA INC | COM | 88160R101 |  | 759582 | 1708 | SH |  | SOLE |  | 0 | 0 | 1708 |
| SCHWAB STRATEGIC TR | US MID-CAP ETF | 808524508 |  | 744909 | 25132 | SH |  | SOLE |  | 0 | 0 | 25132 |
| GRACO INC | COM | 384109104 |  | 716723 | 8436 | SH |  | SOLE |  | 0 | 0 | 8436 |
| BROADCOM INC | COM | 11135F101 |  | 715245 | 2168 | SH |  | SOLE |  | 0 | 0 | 2168 |
| INVESCO MUN OPPORTUNITY TR | COM | 46132C107 |  | 705910 | 73000 | SH |  | SOLE |  | 0 | 0 | 73000 |
| CATERPILLAR INC | COM | 149123101 |  | 680933 | 1427 | SH |  | SOLE |  | 0 | 0 | 1427 |
| VANGUARD INDEX FDS | TOTAL STK MKT | 922908769 |  | 678000 | 2066 | SH |  | SOLE |  | 0 | 0 | 2066 |
| ALPHABET INC | CAP STK CL C | 02079K107 |  | 673660 | 2766 | SH |  | SOLE |  | 0 | 0 | 2766 |
| ISHARES TR | CORE MSCI EAFE | 46432F842 |  | 612742 | 7018 | SH |  | SOLE |  | 0 | 0 | 7018 |
| ABBVIE INC | COM | 00287Y109 |  | 570052 | 2462 | SH |  | SOLE |  | 0 | 0 | 2462 |
| HOME DEPOT INC | COM | 437076102 |  | 569292 | 1405 | SH |  | SOLE |  | 0 | 0 | 1405 |
| MORNINGSTAR INC | COM | 617700109 |  | 554968 | 2392 | SH |  | SOLE |  | 0 | 0 | 2392 |
| INVESCO QQQ TR | UNIT SER 1 | 46090E103 |  | 523900 | 873 | SH |  | SOLE |  | 0 | 0 | 873 |
| FORD MTR CO | COM | 345370860 |  | 496436 | 41508 | SH |  | SOLE |  | 0 | 0 | 41508 |
| NETFLIX INC | COM | 64110L106 |  | 483165 | 403 | SH |  | SOLE |  | 0 | 0 | 403 |
| ELI LILLY  CO | COM | 532457108 |  | 450933 | 591 | SH |  | SOLE |  | 0 | 0 | 591 |
| CHEVRON CORP NEW | COM | 166764100 |  | 442840 | 2852 | SH |  | SOLE |  | 0 | 0 | 2852 |
| HONEYWELL INTL INC | COM | 438516106 |  | 439945 | 2090 | SH |  | SOLE |  | 0 | 0 | 2090 |
| ISHARES TR | CORE S TTL STK | 464287150 |  | 413501 | 2839 | SH |  | SOLE |  | 0 | 0 | 2839 |
| SCHWAB STRATEGIC TR | US SML CAP ETF | 808524607 |  | 406922 | 14585 | SH |  | SOLE |  | 0 | 0 | 14585 |
| ILLINOIS TOOL WKS INC | COM | 452308109 |  | 396095 | 1519 | SH |  | SOLE |  | 0 | 0 | 1519 |
| TEXAS INSTRS INC | COM | 882508104 |  | 360600 | 1963 | SH |  | SOLE |  | 0 | 0 | 1963 |
| ISHARES TR | CORE DIV GRWTH | 46434V621 |  | 355174 | 5217 | SH |  | SOLE |  | 0 | 0 | 5217 |
| JOHNSON  JOHNSON | COM | 478160104 |  | 350946 | 1893 | SH |  | SOLE |  | 0 | 0 | 1893 |
| INTUIT | COM | 461202103 |  | 344498 | 504 | SH |  | SOLE |  | 0 | 0 | 504 |
| CISCO SYS INC | COM | 17275R102 |  | 340778 | 4981 | SH |  | SOLE |  | 0 | 0 | 4981 |
| ORACLE CORP | COM | 68389X105 |  | 332327 | 1182 | SH |  | SOLE |  | 0 | 0 | 1182 |
| AMERICAN EXPRESS CO | COM | 025816109 |  | 331928 | 999 | SH |  | SOLE |  | 0 | 0 | 999 |
| VISA INC | COM CL A | 92826C839 |  | 322946 | 946 | SH |  | SOLE |  | 0 | 0 | 946 |
| PALANTIR TECHNOLOGIES INC | CL A | 69608A108 |  | 298075 | 1634 | SH |  | SOLE |  | 0 | 0 | 1634 |
| GE AEROSPACE | COM NEW | 369604301 |  | 285178 | 948 | SH |  | SOLE |  | 0 | 0 | 948 |
| LINDE PLC | SHS | G54950103 |  | 282625 | 595 | SH |  | SOLE |  | 0 | 0 | 595 |
| MASTERCARD INCORPORATED | CL A | 57636Q104 |  | 280424 | 493 | SH |  | SOLE |  | 0 | 0 | 493 |
| ISHARES TR | RUS 1000 VAL ETF | 464287598 |  | 279530 | 1373 | SH |  | SOLE |  | 0 | 0 | 1373 |
| EXXON MOBIL CORP | COM | 30231G102 |  | 276706 | 2454 | SH |  | SOLE |  | 0 | 0 | 2454 |
| THERMO FISHER SCIENTIFIC INC | COM | 883556102 |  | 271612 | 560 | SH |  | SOLE |  | 0 | 0 | 560 |
| ISHARES TR | S 500 GRWT ETF | 464287309 |  | 249046 | 2063 | SH |  | SOLE |  | 0 | 0 | 2063 |
| PEPSICO INC | COM | 713448108 |  | 244226 | 1739 | SH |  | SOLE |  | 0 | 0 | 1739 |
| PROCTER AND GAMBLE CO | COM | 742718109 |  | 239799 | 1561 | SH |  | SOLE |  | 0 | 0 | 1561 |
| GLOBAL X FDS | S 500 CATHOLIC | 37954Y889 |  | 231341 | 2854 | SH |  | SOLE |  | 0 | 0 | 2854 |
| COSTCO WHSL CORP NEW | COM | 22160K105 |  | 222152 | 240 | SH |  | SOLE |  | 0 | 0 | 240 |
| ISHARES TR | CORE US AGGBD ET | 464287226 |  | 218245 | 2177 | SH |  | SOLE |  | 0 | 0 | 2177 |
| DISNEY WALT CO | COM | 254687106 |  | 212431 | 1855 | SH |  | SOLE |  | 0 | 0 | 1855 |
| J P MORGAN EXCHANGE TRADED F | ULTRA SHRT ETF | 46641Q837 |  | 210885 | 4157 | SH |  | SOLE |  | 0 | 0 | 4157 |
| WALMART INC | COM | 931142103 |  | 201071 | 1951 | SH |  | SOLE |  | 0 | 0 | 1951 |
| MCDONALDS CORP | COM | 580135101 |  | 200872 | 661 | SH |  | SOLE |  | 0 | 0 | 661 |
| ORIGIN MATERIALS INC | COM | 68622D106 |  | 16024 | 30898 | SH |  | SOLE |  | 0 | 0 | 30898 |

---