# EDGAR Filing Document

**Accession Number:** 0000712011
**File Stem:** 0001765380-26-000076
**Filing Date:** 2026-2
**Character Count:** 13580
**Document Hash:** a6700607cb64fd23863b79abf801f78f
**Contains OCR:** False
**Source Format:** 

## Filing Content

## Filing Summary
**0001765380-26-000076.hdr.sgml**: 20260206

**ACCESSION NUMBER**: 0001765380-26-000076

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

**PUBLIC DOCUMENT COUNT**: 2

**CONFORMED PERIOD OF REPORT**: 20251231

**FILED AS OF DATE**: 20260206

**DATE AS OF CHANGE**: 20260206

**EFFECTIVENESS DATE**: 20260206

**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:** 26607044

**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:** 12-31-2025

**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  02-06-2026<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:** 98

**Form 13F Information Table Value Total:** $793922697

      (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 |  | 283930397 | 414533 | SH |  | SOLE |  | 0 | 0 | 414533 |
| ISHARES TR | CORE S MCP ETF | 464287507 |  | 84024955 | 1273105 | SH |  | SOLE |  | 0 | 0 | 1273105 |
| VANGUARD TAX-MANAGED FDS | VAN FTSE DEV MKT | 921943858 |  | 80296460 | 1285360 | SH |  | SOLE |  | 0 | 0 | 1285360 |
| INVESCO EXCH TRADED FD TR II | S 500 MOMNTM | 46138E339 |  | 72247509 | 605494 | SH |  | SOLE |  | 0 | 0 | 605494 |
| VANGUARD SPECIALIZED FUNDS | DIV APP ETF | 921908844 |  | 58804952 | 267563 | SH |  | SOLE |  | 0 | 0 | 267563 |
| ISHARES TR | CORE S SCP ETF | 464287804 |  | 41898313 | 348630 | SH |  | SOLE |  | 0 | 0 | 348630 |
| VANGUARD INDEX FDS | GROWTH ETF | 922908736 |  | 17803963 | 36494 | SH |  | SOLE |  | 0 | 0 | 36494 |
| APPLE INC | COM | 037833100 |  | 16672982 | 61329 | SH |  | SOLE |  | 0 | 0 | 61329 |
| SCHWAB STRATEGIC TR | INTL EQTY ETF | 808524805 |  | 16204254 | 674054 | SH |  | SOLE |  | 0 | 0 | 674054 |
| COLUMBIA ETF TR II | EM CORE EX ETF | 19762B202 |  | 12443871 | 324397 | SH |  | SOLE |  | 0 | 0 | 324397 |
| SPDR S 500 ETF TR | TR UNIT | 78462F103 |  | 11165624 | 16374 | SH |  | SOLE |  | 0 | 0 | 16374 |
| SCHWAB STRATEGIC TR | US LRG CAP ETF | 808524201 |  | 9537870 | 354436 | SH |  | SOLE |  | 0 | 0 | 354436 |
| VANGUARD INDEX FDS | VALUE ETF | 922908744 |  | 8657768 | 45331 | SH |  | SOLE |  | 0 | 0 | 45331 |
| ISHARES TR | ESG AWR MSCI USA | 46435G425 |  | 5329015 | 35770 | SH |  | SOLE |  | 0 | 0 | 35770 |
| VANGUARD INDEX FDS | S 500 ETF SHS | 922908363 |  | 4551394 | 7257 | SH |  | SOLE |  | 0 | 0 | 7257 |
| MICROSOFT CORP | COM | 594918104 |  | 4381194 | 9059 | SH |  | SOLE |  | 0 | 0 | 9059 |
| SCHWAB STRATEGIC TR | US BRD MKT ETF | 808524102 |  | 4173648 | 159117 | SH |  | SOLE |  | 0 | 0 | 159117 |
| NVIDIA CORPORATION | COM | 67066G104 |  | 3712267 | 19905 | SH |  | SOLE |  | 0 | 0 | 19905 |
| ISHARES TR | RUSSELL 3000 ETF | 464287689 |  | 2922908 | 7556 | SH |  | SOLE |  | 0 | 0 | 7556 |
| ISHARES TR | ESG AWR US AGRGT | 46435U549 |  | 2238519 | 46782 | SH |  | SOLE |  | 0 | 0 | 46782 |
| DTE ENERGY CO | COM | 233331107 |  | 2012862 | 15606 | SH |  | SOLE |  | 0 | 0 | 15606 |
| ISHARES TR | RUS 1000 GRW ETF | 464287614 |  | 1824572 | 3855 | SH |  | SOLE |  | 0 | 0 | 3855 |
| VANGUARD BD INDEX FDS | TOTAL BND MRKT | 921937835 |  | 1823708 | 24621 | SH |  | SOLE |  | 0 | 0 | 24621 |
| AMAZON COM INC | COM | 023135106 |  | 1714155 | 7426 | SH |  | SOLE |  | 0 | 0 | 7426 |
| SCHWAB STRATEGIC TR | US DIVIDEND EQ | 808524797 |  | 1688041 | 61540 | SH |  | SOLE |  | 0 | 0 | 61540 |
| ISHARES TR | ESG AW MSCI EAFE | 46435G516 |  | 1679765 | 17665 | SH |  | SOLE |  | 0 | 0 | 17665 |
| PHILIP MORRIS INTL INC | COM | 718172109 |  | 1583469 | 9872 | SH |  | SOLE |  | 0 | 0 | 9872 |
| J P MORGAN EXCHANGE TRADED F | JPMORGAN DIVER | 46641Q407 |  | 1497076 | 12079 | SH |  | SOLE |  | 0 | 0 | 12079 |
| BERKSHIRE HATHAWAY INC DEL | CL B NEW | 084670702 |  | 1478797 | 2942 | SH |  | SOLE |  | 0 | 0 | 2942 |
| ISHARES TR | ESG AWARE MSCI | 46435U663 |  | 1337881 | 29097 | SH |  | SOLE |  | 0 | 0 | 29097 |
| ISHARES TR | CORE MSCI EAFE | 46432F842 |  | 1304954 | 14587 | SH |  | SOLE |  | 0 | 0 | 14587 |
| ALPHABET INC | CAP STK CL A | 02079K305 |  | 1302706 | 4162 | SH |  | SOLE |  | 0 | 0 | 4162 |
| ISHARES TR | NATIONAL MUN ETF | 464288414 |  | 1274181 | 11896 | SH |  | SOLE |  | 0 | 0 | 11896 |
| LAM RESEARCH CORP | COM NEW | 512807306 |  | 1213838 | 7091 | SH |  | SOLE |  | 0 | 0 | 7091 |
| ISHARES BITCOIN TRUST ETF | SHS BEN INT | 46438F101 |  | 1168662 | 23538 | SH |  | SOLE |  | 0 | 0 | 23538 |
| ISHARES TR | SP SMCP600VL ETF | 464287879 |  | 1165744 | 10251 | SH |  | SOLE |  | 0 | 0 | 10251 |
| ISHARES U S ETF TR | SHORT DURATION B | 46431W507 |  | 1124047 | 21997 | SH |  | SOLE |  | 0 | 0 | 21997 |
| BROADCOM INC | COM | 11135F101 |  | 1085716 | 3137 | SH |  | SOLE |  | 0 | 0 | 3137 |
| INTERNATIONAL BUSINESS MACHS | COM | 459200101 |  | 1016959 | 3433 | SH |  | SOLE |  | 0 | 0 | 3433 |
| ALPHABET INC | CAP STK CL C | 02079K107 |  | 1010436 | 3220 | SH |  | SOLE |  | 0 | 0 | 3220 |
| TESLA INC | COM | 88160R101 |  | 1000178 | 2224 | SH |  | SOLE |  | 0 | 0 | 2224 |
| VISA INC | COM CL A | 92826C839 |  | 980586 | 2796 | SH |  | SOLE |  | 0 | 0 | 2796 |
| JPMORGAN CHASE  CO. | COM | 46625H100 |  | 967305 | 3002 | SH |  | SOLE |  | 0 | 0 | 3002 |
| ELI LILLY  CO | COM | 532457108 |  | 953242 | 887 | SH |  | SOLE |  | 0 | 0 | 887 |
| CATERPILLAR INC | COM | 149123101 |  | 846177 | 1477 | SH |  | SOLE |  | 0 | 0 | 1477 |
| INTUITIVE SURGICAL INC | COM NEW | 46120E602 |  | 758923 | 1340 | SH |  | SOLE |  | 0 | 0 | 1340 |
| ABBVIE INC | COM | 00287Y109 |  | 749905 | 3282 | SH |  | SOLE |  | 0 | 0 | 3282 |
| SCHWAB STRATEGIC TR | US MID-CAP ETF | 808524508 |  | 737644 | 24531 | SH |  | SOLE |  | 0 | 0 | 24531 |
| MONDELEZ INTL INC | CL A | 609207105 |  | 713463 | 13254 | SH |  | SOLE |  | 0 | 0 | 13254 |
| INVESCO MUN OPPORTUNITY TR | COM | 46132C107 |  | 698610 | 73000 | SH |  | SOLE |  | 0 | 0 | 73000 |
| VANGUARD INDEX FDS | TOTAL STK MKT | 922908769 |  | 692668 | 2066 | SH |  | SOLE |  | 0 | 0 | 2066 |
| GRACO INC | COM | 384109104 |  | 675761 | 8244 | SH |  | SOLE |  | 0 | 0 | 8244 |
| MOODYS CORP | COM | 615369105 |  | 620683 | 1215 | SH |  | SOLE |  | 0 | 0 | 1215 |
| FORD MTR CO | COM | 345370860 |  | 549479 | 41881 | SH |  | SOLE |  | 0 | 0 | 41881 |
| INVESCO QQQ TR | UNIT SER 1 | 46090E103 |  | 547122 | 891 | SH |  | SOLE |  | 0 | 0 | 891 |
| COMPASS INC | CL A | 20464U100 |  | 528500 | 50000 | SH |  | SOLE |  | 0 | 0 | 50000 |
| MORNINGSTAR INC | COM | 617700109 |  | 512417 | 2358 | SH |  | SOLE |  | 0 | 0 | 2358 |
| CHEVRON CORP NEW | COM | 166764100 |  | 500011 | 3281 | SH |  | SOLE |  | 0 | 0 | 3281 |
| META PLATFORMS INC | CL A | 30303M102 |  | 493748 | 748 | SH |  | SOLE |  | 0 | 0 | 748 |
| HOME DEPOT INC | COM | 437076102 |  | 449051 | 1305 | SH |  | SOLE |  | 0 | 0 | 1305 |
| NETFLIX INC | COM | 64110L106 |  | 424546 | 4528 | SH |  | SOLE |  | 0 | 0 | 4528 |
| JOHNSON  JOHNSON | COM | 478160104 |  | 423773 | 2048 | SH |  | SOLE |  | 0 | 0 | 2048 |
| ISHARES TR | CORE S TTL STK | 464287150 |  | 423321 | 2847 | SH |  | SOLE |  | 0 | 0 | 2847 |
| MASTERCARD INCORPORATED | CL A | 57636Q104 |  | 421892 | 739 | SH |  | SOLE |  | 0 | 0 | 739 |
| SCHWAB STRATEGIC TR | US SML CAP ETF | 808524607 |  | 412050 | 14468 | SH |  | SOLE |  | 0 | 0 | 14468 |
| AMERICAN EXPRESS CO | COM | 025816109 |  | 403357 | 1090 | SH |  | SOLE |  | 0 | 0 | 1090 |
| ILLINOIS TOOL WKS INC | COM | 452308109 |  | 383736 | 1558 | SH |  | SOLE |  | 0 | 0 | 1558 |
| ISHARES GOLD TR | ISHARES NEW | 464285204 |  | 376548 | 4639 | SH |  | SOLE |  | 0 | 0 | 4639 |
| ISHARES TR | CORE DIV GRWTH | 46434V621 |  | 355379 | 5119 | SH |  | SOLE |  | 0 | 0 | 5119 |
| EXXON MOBIL CORP | COM | 30231G102 |  | 350088 | 2909 | SH |  | SOLE |  | 0 | 0 | 2909 |
| THERMO FISHER SCIENTIFIC INC | COM | 883556102 |  | 345932 | 597 | SH |  | SOLE |  | 0 | 0 | 597 |
| PALANTIR TECHNOLOGIES INC | CL A | 69608A108 |  | 330438 | 1859 | SH |  | SOLE |  | 0 | 0 | 1859 |
| GE AEROSPACE | COM NEW | 369604301 |  | 316347 | 1027 | SH |  | SOLE |  | 0 | 0 | 1027 |
| INTUIT | COM | 461202103 |  | 305678 | 461 | SH |  | SOLE |  | 0 | 0 | 461 |
| CISCO SYS INC | COM | 17275R102 |  | 305168 | 3962 | SH |  | SOLE |  | 0 | 0 | 3962 |
| HONEYWELL INTL INC | COM | 438516106 |  | 287953 | 1476 | SH |  | SOLE |  | 0 | 0 | 1476 |
| LINDE PLC | SHS | G54950103 |  | 283123 | 664 | SH |  | SOLE |  | 0 | 0 | 664 |
| PROCTER AND GAMBLE CO | COM | 742718109 |  | 279982 | 1954 | SH |  | SOLE |  | 0 | 0 | 1954 |
| ORACLE CORP | COM | 68389X105 |  | 268712 | 1379 | SH |  | SOLE |  | 0 | 0 | 1379 |
| GOLDMAN SACHS GROUP INC | COM | 38141G104 |  | 250515 | 285 | SH |  | SOLE |  | 0 | 0 | 285 |
| CITIGROUP INC | COM NEW | 172967424 |  | 245866 | 2107 | SH |  | SOLE |  | 0 | 0 | 2107 |
| WALMART INC | COM | 931142103 |  | 240423 | 2158 | SH |  | SOLE |  | 0 | 0 | 2158 |
| MCDONALDS CORP | COM | 580135101 |  | 239920 | 785 | SH |  | SOLE |  | 0 | 0 | 785 |
| DISNEY WALT CO | COM | 254687106 |  | 227232 | 1997 | SH |  | SOLE |  | 0 | 0 | 1997 |
| BANK AMERICA CORP | COM | 060505104 |  | 224400 | 4080 | SH |  | SOLE |  | 0 | 0 | 4080 |
| MERCK  CO INC | COM | 58933Y105 |  | 223889 | 2127 | SH |  | SOLE |  | 0 | 0 | 2127 |
| GLOBAL X FDS | S 500 CATHOLIC | 37954Y889 |  | 223493 | 2718 | SH |  | SOLE |  | 0 | 0 | 2718 |
| J P MORGAN EXCHANGE TRADED F | ULTRA SHRT ETF | 46641Q837 |  | 210303 | 4157 | SH |  | SOLE |  | 0 | 0 | 4157 |
| COSTCO WHSL CORP NEW | COM | 22160K105 |  | 209549 | 243 | SH |  | SOLE |  | 0 | 0 | 243 |
| STRYKER CORPORATION | COM | 863667101 |  | 208071 | 592 | SH |  | SOLE |  | 0 | 0 | 592 |
| ISHARES INC | ESG AWR MSCI EM | 46434G863 |  | 206716 | 4680 | SH |  | SOLE |  | 0 | 0 | 4680 |
| AMPHENOL CORP NEW | CL A | 032095101 |  | 206630 | 1529 | SH |  | SOLE |  | 0 | 0 | 1529 |
| VERTEX PHARMACEUTICALS INC | COM | 92532F100 |  | 205826 | 454 | SH |  | SOLE |  | 0 | 0 | 454 |
| PEPSICO INC | COM | 713448108 |  | 205378 | 1431 | SH |  | SOLE |  | 0 | 0 | 1431 |
| TJX COS INC NEW | COM | 872540109 |  | 204916 | 1334 | SH |  | SOLE |  | 0 | 0 | 1334 |
| TEXAS INSTRS INC | COM | 882508104 |  | 202404 | 1167 | SH |  | SOLE |  | 0 | 0 | 1167 |
| SPDR SERIES TRUST | STATE STREET SPD | 78464A409 |  | 201663 | 1890 | SH |  | SOLE |  | 0 | 0 | 1890 |
| ORIGIN MATERIALS INC | COM | 68622D106 |  | 6575 | 31057 | SH |  | SOLE |  | 0 | 0 | 31057 |

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