# EDGAR Filing Document

**Accession Number:** 0000712011
**File Stem:** 0000905729-23-000023
**Filing Date:** 2023-1
**Character Count:** 8748
**Document Hash:** 51318bb1d9f8626afa922cd0d0e6e069
**Contains OCR:** False
**Source Format:** 

## Filing Content

## Filing Summary
**0000905729-23-000023.hdr.sgml**: 20230119

**ACCESSION NUMBER**: 0000905729-23-000023

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

**PUBLIC DOCUMENT COUNT**: 2

**CONFORMED PERIOD OF REPORT**: 20221231

**FILED AS OF DATE**: 20230119

**DATE AS OF CHANGE**: 20230119

**EFFECTIVENESS DATE**: 20230119

**FILER**: 

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** PLANNING ALTERNATIVES LTD /ADV
- **CENTRAL INDEX KEY:** 0000712011
- **IRS NUMBER:** 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:** 23537196

**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:** 12-31-2022

**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:** 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:** Taylor Tucker<br>**Title:** Paralegal and Compliance Officer<br>**Phone:** 248-645-1520

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

/s/Taylor Tucker  Royal Oak, MI  01-19-2023<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:** 46

**Form 13F Information Table Value Total:** $549298419

      (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 |  | 165522277 | 430812 | SH |  | SOLE |  | 0 | 0 | 430812 |
| ISHARES U S ETF TR | BLACKROCK ST MAT | 46431W507 |  | 59153808 | 1200605 | SH |  | SOLE |  | 0 | 0 | 1200605 |
| ISHARES TR | CORE S MCP ETF | 464287507 |  | 55919570 | 231178 | SH |  | SOLE |  | 0 | 0 | 231178 |
| VANGUARD TAX-MANAGED FDS | VAN FTSE DEV MKT | 921943858 |  | 55478270 | 1321855 | SH |  | SOLE |  | 0 | 0 | 1321855 |
| J P MORGAN EXCHANGE TRADED F | JPMORGAN DIVER | 46641Q407 |  | 48478919 | 511489 | SH |  | SOLE |  | 0 | 0 | 511489 |
| VANGUARD SPECIALIZED FUNDS | DIV APP ETF | 921908844 |  | 38501141 | 253547 | SH |  | SOLE |  | 0 | 0 | 253547 |
| ISHARES TR | CORE S SCP ETF | 464287804 |  | 28071152 | 296610 | SH |  | SOLE |  | 0 | 0 | 296610 |
| SCHWAB STRATEGIC TR | INTL EQTY ETF | 808524805 |  | 13250260 | 411371 | SH |  | SOLE |  | 0 | 0 | 411371 |
| VANGUARD INTL EQUITY INDEX F | TT WRLD ST ETF | 922042742 |  | 12642004 | 146676 | SH |  | SOLE |  | 0 | 0 | 146676 |
| VANGUARD INDEX FDS | GROWTH ETF | 922908736 |  | 8910768 | 41813 | SH |  | SOLE |  | 0 | 0 | 41813 |
| SPDR S 500 ETF TR | TR UNIT | 78462F103 |  | 8828251 | 23085 | SH |  | SOLE |  | 0 | 0 | 23085 |
| SCHWAB STRATEGIC TR | US LRG CAP ETF | 808524201 |  | 8691452 | 192502 | SH |  | SOLE |  | 0 | 0 | 192502 |
| VANGUARD INDEX FDS | VALUE ETF | 922908744 |  | 7490424 | 53362 | SH |  | SOLE |  | 0 | 0 | 53362 |
| APPLE INC | COM | 037833100 |  | 6850093 | 52721 | SH |  | SOLE |  | 0 | 0 | 52721 |
| COLUMBIA ETF TR II | EM CORE EX ETF | 19762B202 |  | 4663258 | 182515 | SH |  | SOLE |  | 0 | 0 | 182515 |
| SCHWAB STRATEGIC TR | US BRD MKT ETF | 808524102 |  | 3877633 | 86535 | SH |  | SOLE |  | 0 | 0 | 86535 |
| VANGUARD INTL EQUITY INDEX F | FTSE EMR MKT ETF | 922042858 |  | 2309448 | 59247 | SH |  | SOLE |  | 0 | 0 | 59247 |
| ISHARES TR | ESG AWR MSCI USA | 46435G425 |  | 2197483 | 25929 | SH |  | SOLE |  | 0 | 0 | 25929 |
| SCHWAB STRATEGIC TR | US DIVIDEND EQ | 808524797 |  | 1885176 | 24956 | SH |  | SOLE |  | 0 | 0 | 24956 |
| ISHARES TR | RUSSELL 3000 ETF | 464287689 |  | 1671355 | 7574 | SH |  | SOLE |  | 0 | 0 | 7574 |
| J P MORGAN EXCHANGE TRADED F | ULTRA SHRT INC | 46641Q837 |  | 1435222 | 28630 | SH |  | SOLE |  | 0 | 0 | 28630 |
| MONDELEZ INTL INC | CL A | 609207105 |  | 1184504 | 17772 | SH |  | SOLE |  | 0 | 0 | 17772 |
| MICROSOFT CORP | COM | 594918104 |  | 1026430 | 4280 | SH |  | SOLE |  | 0 | 0 | 4280 |
| ISHARES TR | SP SMCP600VL ETF | 464287879 |  | 989253 | 10834 | SH |  | SOLE |  | 0 | 0 | 10834 |
| PHILIP MORRIS INTL INC | COM | 718172109 |  | 983458 | 9717 | SH |  | SOLE |  | 0 | 0 | 9717 |
| ISHARES TR | ESG AW MSCI EAFE | 46435G516 |  | 934823 | 14220 | SH |  | SOLE |  | 0 | 0 | 14220 |
| SCHWAB STRATEGIC TR | US MID-CAP ETF | 808524508 |  | 929300 | 14164 | SH |  | SOLE |  | 0 | 0 | 14164 |
| GRACO INC | COM | 384109104 |  | 915812 | 13616 | SH |  | SOLE |  | 0 | 0 | 13616 |
| ISHARES TR | RUS 1000 GRW ETF | 464287614 |  | 825895 | 3855 | SH |  | SOLE |  | 0 | 0 | 3855 |
| ISHARES TR | ESG AWARE MSCI | 46435U663 |  | 625476 | 19023 | SH |  | SOLE |  | 0 | 0 | 19023 |
| ISHARES TR | CORE MSCI EAFE | 46432F842 |  | 519009 | 8420 | SH |  | SOLE |  | 0 | 0 | 8420 |
| MORNINGSTAR INC | COM | 617700109 |  | 491659 | 2270 | SH |  | SOLE |  | 0 | 0 | 2270 |
| FORD MTR CO DEL | COM | 345370860 |  | 478667 | 41158 | SH |  | SOLE |  | 0 | 0 | 41158 |
| INTERNATIONAL BUSINESS MACHS | COM | 459200101 |  | 404246 | 2869 | SH |  | SOLE |  | 0 | 0 | 2869 |
| SCHWAB STRATEGIC TR | US SML CAP ETF | 808524607 |  | 327928 | 8095 | SH |  | SOLE |  | 0 | 0 | 8095 |
| CHEVRON CORP NEW | COM | 166764100 |  | 324643 | 1809 | SH |  | SOLE |  | 0 | 0 | 1809 |
| PROCTER AND GAMBLE CO | COM | 742718109 |  | 321410 | 2121 | SH |  | SOLE |  | 0 | 0 | 2121 |
| ISHARES TR | CORE DIV GRWTH | 46434V621 |  | 299550 | 5991 | SH |  | SOLE |  | 0 | 0 | 5991 |
| BERKSHIRE HATHAWAY INC DEL | CL B NEW | 084670702 |  | 284188 | 920 | SH |  | SOLE |  | 0 | 0 | 920 |
| ILLINOIS TOOL WKS INC | COM | 452308109 |  | 270308 | 1227 | SH |  | SOLE |  | 0 | 0 | 1227 |
| LULULEMON ATHLETICA INC | COM | 550021109 |  | 267197 | 834 | SH |  | SOLE |  | 0 | 0 | 834 |
| HONEYWELL INTL INC | COM | 438516106 |  | 260589 | 1216 | SH |  | SOLE |  | 0 | 0 | 1216 |
| STRYKER CORPORATION | COM | 863667101 |  | 240089 | 982 | SH |  | SOLE |  | 0 | 0 | 982 |
| CSX CORP | COM | 126408103 |  | 207070 | 6684 | SH |  | SOLE |  | 0 | 0 | 6684 |
| INVESCO MUN OPPORTUNITY TR | COM | 46132C107 |  | 198200 | 20000 | SH |  | SOLE |  | 0 | 0 | 20000 |
| DNP SELECT INCOME FD INC | COM | 23325P104 |  | 160751 | 14289 | SH |  | SOLE |  | 0 | 0 | 14289 |

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