Summit Financial Consulting LLC Diversified Active

CIK: 0002065794 · Show all filings

Period: Q4 2025 (← Previous)

Filing Date: Jan 23, 2026

Total Value ($000): $137,718 (100.0% shares, 0.0% debt)

Holdings (43)

New Positions (3)

IYH ISHARES TR 5.2%

Value ($000) $7,151 Shares 109,847 Est. Cost $65.10 Unrealized —

XLE SELECT SECTOR SPDR TR 0.2%

Value ($000) $282 Shares 6,317 Est. Cost $44.71 Unrealized —

TSLA TESLA INC 0.2%

Value ($000) $251 Shares 558 Est. Cost $443.29 Unrealized 0.0%

Ticker	Issuer	Shares	Value ($000)	%	Est. Cost	Unrealized	Class	CUSIP
IYH	ISHARES TR	109,847	$7,151	5.2%	$65.10	—	US HLTHCARE ETF	464287762
XLE	SELECT SECTOR SPDR TR	6,317	$282	0.2%	$44.71	—	STATE STREET ENE	81369Y506
TSLA	TESLA INC	558	$251	0.2%	$443.29	0.0%	COM	88160R101

Increased Positions (28)

LQD ISHARES TR 15.8%

Value ($000) $21,770 (+8.4%) Shares 197,570 (+9.7%) Est. Cost $111.30 Unrealized —

HYG ISHARES TR 15.7%

Value ($000) $21,624 (+7.9%) Shares 268,191 (+8.6%) Est. Cost $81.09 Unrealized —

IYW ISHARES TR 5.6%

Value ($000) $7,768 (+13.9%) Shares 38,904 (+11.7%) Est. Cost $196.26 Unrealized —

IYZ ISHARES TR 5.6%

Value ($000) $7,738 (+13.8%) Shares 228,255 (+8.3%) Est. Cost $27.89 Unrealized —

EFA ISHARES TR 5.3%

Value ($000) $7,298 (+14.7%) Shares 75,995 (+11.5%) Est. Cost $92.29 Unrealized —

QQQM INVESCO EXCH TRADED FD TR II 5.4%

Value ($000) $7,451 (+12.3%) Shares 29,458 (+9.7%) Est. Cost $247.63 Unrealized —

EEM ISHARES TR 5.5%

Value ($000) $7,506 (+12.0%) Shares 137,204 (+9.3%) Est. Cost $51.75 Unrealized —

IVW ISHARES TR 5.4%

Value ($000) $7,488 (+11.7%) Shares 60,751 (+9.4%) Est. Cost $120.94 Unrealized —

IYE ISHARES TR 5.3%

Value ($000) $7,283 (+11.5%) Shares 153,227 (+11.5%) Est. Cost $48.57 Unrealized —

SCHX SCHWAB STRATEGIC TR 5.4%

Value ($000) $7,368 (+11.3%) Shares 273,802 (+9.0%) Est. Cost $26.39 Unrealized —

IDU ISHARES TR 5.2%

Value ($000) $7,095 (+8.4%) Shares 65,479 (+10.9%) Est. Cost $105.53 Unrealized —

XLG INVESCO EXCHANGE TRADED FD T 2.3%

Value ($000) $3,200 (+14.6%) Shares 53,979 (+11.2%) Est. Cost $48.52 Unrealized —

AMZN AMAZON COM INC 0.3%

Value ($000) $481 (+109.7%) Shares 2,083 (+99.5%) Est. Cost $213.86 Unrealized +7.0%

XLK SELECT SECTOR SPDR TR 0.9%

Value ($000) $1,307 (+19.9%) Shares 9,076 (+134.6%) Est. Cost $175.93 Unrealized —

SCHG SCHWAB STRATEGIC TR 0.3%

Value ($000) $359 (+69.3%) Shares 11,003 (+65.7%) Est. Cost $32.19 Unrealized —

ITB ISHARES TR 0.3%

Value ($000) $434 (+38.2%) Shares 4,510 (+53.9%) Est. Cost $103.42 Unrealized —

FLMI FRANKLIN TEMPLETON ETF TR 0.6%

Value ($000) $807 (+16.0%) Shares 32,456 (+15.6%) Est. Cost $24.50 Unrealized —

RVNU DBX ETF TR 0.6%

Value ($000) $874 (+12.8%) Shares 35,621 (+13.4%) Est. Cost $24.57 Unrealized —

SMMU PIMCO ETF TR 0.5%

Value ($000) $736 (+14.9%) Shares 14,596 (+15.2%) Est. Cost $50.11 Unrealized —

MUNI PIMCO ETF TR 0.6%

Value ($000) $848 (+11.6%) Shares 16,172 (+11.3%) Est. Cost $51.68 Unrealized —

— BLACKROCK MUNIYIELD MICH QU 0.3%

Value ($000) $388 (+16.1%) Shares 33,081 (+11.5%) Est. Cost $11.38 Unrealized —

PSCC INVESCO EXCH TRADED FD TR II 0.3%

Value ($000) $359 (+15.8%) Shares 11,535 (+22.9%) Est. Cost $33.98 Unrealized —

MSFT MICROSOFT CORP 0.8%

Value ($000) $1,068 (-4.4%) Shares 2,209 (+2.4%) Est. Cost $407.33 Unrealized +22.9%

BIL SPDR SERIES TRUST 0.2%

Value ($000) $291 (+17.5%) Shares 3,182 (+17.9%) Est. Cost $91.69 Unrealized —

— NUVEEN MUNICIPAL CREDIT INC 0.3%

Value ($000) $362 (+13.5%) Shares 28,757 (+13.3%) Est. Cost $12.26 Unrealized —

USRT ISHARES TR 0.3%

Value ($000) $391 (+11.5%) Shares 6,866 (+14.9%) Est. Cost $57.51 Unrealized —

XLU SELECT SECTOR SPDR TR 0.6%

Value ($000) $825 (-2.8%) Shares 19,318 (+98.5%) Est. Cost $62.38 Unrealized —

MUB ISHARES TR 0.2%

Value ($000) $248 (+6.8%) Shares 2,320 (+6.2%) Est. Cost $105.64 Unrealized —

Ticker	Issuer	Shares	Value ($000)	%	Est. Cost	Unrealized	Class	CUSIP
LQD	ISHARES TR	197,570 (+9.7%)	$21,770 (+8.4%)	15.8%	$111.30	—	IBOXX INV CP ETF	464287242
HYG	ISHARES TR	268,191 (+8.6%)	$21,624 (+7.9%)	15.7%	$81.09	—	IBOXX HI YD ETF	464288513
IYW	ISHARES TR	38,904 (+11.7%)	$7,768 (+13.9%)	5.6%	$196.26	—	U.S. TECH ETF	464287721
IYZ	ISHARES TR	228,255 (+8.3%)	$7,738 (+13.8%)	5.6%	$27.89	—	US TELECOM ETF	464287713
EFA	ISHARES TR	75,995 (+11.5%)	$7,298 (+14.7%)	5.3%	$92.29	—	MSCI EAFE ETF	464287465
QQQM	INVESCO EXCH TRADED FD TR II	29,458 (+9.7%)	$7,451 (+12.3%)	5.4%	$247.63	—	NASDAQ 100 ETF	46138G649
EEM	ISHARES TR	137,204 (+9.3%)	$7,506 (+12.0%)	5.5%	$51.75	—	MSCI EMG MKT ETF	464287234
IVW	ISHARES TR	60,751 (+9.4%)	$7,488 (+11.7%)	5.4%	$120.94	—	S&P 500 GRWT ETF	464287309
IYE	ISHARES TR	153,227 (+11.5%)	$7,283 (+11.5%)	5.3%	$48.57	—	U.S. ENERGY ETF	464287796
SCHX	SCHWAB STRATEGIC TR	273,802 (+9.0%)	$7,368 (+11.3%)	5.4%	$26.39	—	US LRG CAP ETF	808524201
IDU	ISHARES TR	65,479 (+10.9%)	$7,095 (+8.4%)	5.2%	$105.53	—	U.S. UTILITS ETF	464287697
XLG	INVESCO EXCHANGE TRADED FD T	53,979 (+11.2%)	$3,200 (+14.6%)	2.3%	$48.52	—	S&P 500 TOP 50	46137V233
AMZN	AMAZON COM INC	2,083 (+99.5%)	$481 (+109.7%)	0.3%	$213.86	+7.0%	COM	023135106
XLK	SELECT SECTOR SPDR TR	9,076 (+134.6%)	$1,307 (+19.9%)	0.9%	$175.93	—	STATE STREET TEC	81369Y803
SCHG	SCHWAB STRATEGIC TR	11,003 (+65.7%)	$359 (+69.3%)	0.3%	$32.19	—	US LCAP GR ETF	808524300
ITB	ISHARES TR	4,510 (+53.9%)	$434 (+38.2%)	0.3%	$103.42	—	US HOME CONS ETF	464288752
FLMI	FRANKLIN TEMPLETON ETF TR	32,456 (+15.6%)	$807 (+16.0%)	0.6%	$24.50	—	FRANKLIN DYN MUN	35473P868
RVNU	DBX ETF TR	35,621 (+13.4%)	$874 (+12.8%)	0.6%	$24.57	—	XTRACK MUN INFRA	233051705
SMMU	PIMCO ETF TR	14,596 (+15.2%)	$736 (+14.9%)	0.5%	$50.11	—	SHTRM MUN BD ACT	72201R874
MUNI	PIMCO ETF TR	16,172 (+11.3%)	$848 (+11.6%)	0.6%	$51.68	—	INTER MUN BD ACT	72201R866
—	BLACKROCK MUNIYIELD MICH QU	33,081 (+11.5%)	$388 (+16.1%)	0.3%	$11.38	—	COM	09254V105
PSCC	INVESCO EXCH TRADED FD TR II	11,535 (+22.9%)	$359 (+15.8%)	0.3%	$33.98	—	S&P SMLCP STAP	46138E172
MSFT	MICROSOFT CORP	2,209 (+2.4%)	$1,068 (-4.4%)	0.8%	$407.33	+22.9%	COM	594918104
BIL	SPDR SERIES TRUST	3,182 (+17.9%)	$291 (+17.5%)	0.2%	$91.69	—	STATE STREET SPD	78468R663
—	NUVEEN MUNICIPAL CREDIT INC	28,757 (+13.3%)	$362 (+13.5%)	0.3%	$12.26	—	COM SH BEN INT	67070X101
USRT	ISHARES TR	6,866 (+14.9%)	$391 (+11.5%)	0.3%	$57.51	—	CRE U S REIT ETF	464288521
XLU	SELECT SECTOR SPDR TR	19,318 (+98.5%)	$825 (-2.8%)	0.6%	$62.38	—	STATE STREET UTI	81369Y886
MUB	ISHARES TR	2,320 (+6.2%)	$248 (+6.8%)	0.2%	$105.64	—	NATIONAL MUN ETF	464288414

Exited Positions (2)

IYF ISHARES TR 5.0%

Value ($000) $6,903 Shares 54,506 Est. Cost $113.12 Unrealized —

IVOV VANGUARD ADMIRAL FDS INC 0.2%

Value ($000) $309 Shares 3,070 Est. Cost $92.04 Unrealized —

Ticker	Issuer	Shares	Value ($000)	%	Est. Cost	Unrealized	Class	CUSIP
IYF	ISHARES TR	54,506	$6,903	5.0%	$113.12	—	—	464287788
IVOV	VANGUARD ADMIRAL FDS INC	3,070	$309	0.2%	$92.04	—	—	921932844

Decreased Positions (6)

TLT ISHARES TR 0.8%

Value ($000) $1,052 (-9.1%) Shares 12,067 (-6.8%) Est. Cost $90.96 Unrealized —

AGG ISHARES TR 0.7%

Value ($000) $1,030 (-9.2%) Shares 10,310 (-8.9%) Est. Cost $98.93 Unrealized —

SPYM SPDR SERIES TRUST 0.8%

Value ($000) $1,042 (-4.0%) Shares 12,995 (-6.2%) Est. Cost $67.52 Unrealized —

AAPL APPLE INC 0.7%

Value ($000) $916 (+4.2%) Shares 3,370 (-2.4%) Est. Cost $230.64 Unrealized +16.3%

F FORD MTR CO 0.1%

Value ($000) $173 (-10.4%) Shares 13,221 (-18.4%) Est. Cost $9.37 Unrealized +36.9%

SPGP INVESCO EXCHANGE TRADED FD T 0.2%

Value ($000) $322 (-5.4%) Shares 2,829 (-5.6%) Est. Cost $99.87 Unrealized —

Ticker	Issuer	Shares	Value ($000)	%	Est. Cost	Unrealized	Class	CUSIP
TLT	ISHARES TR	12,067 (-6.8%)	$1,052 (-9.1%)	0.8%	$90.96	—	20 YR TR BD ETF	464287432
AGG	ISHARES TR	10,310 (-8.9%)	$1,030 (-9.2%)	0.7%	$98.93	—	CORE US AGGBD ET	464287226
SPYM	SPDR SERIES TRUST	12,995 (-6.2%)	$1,042 (-4.0%)	0.8%	$67.52	—	STATE STREET SPD	78464A854
AAPL	APPLE INC	3,370 (-2.4%)	$916 (+4.2%)	0.7%	$230.64	+16.3%	COM	037833100
F	FORD MTR CO	13,221 (-18.4%)	$173 (-10.4%)	0.1%	$9.37	+36.9%	COM	345370860
SPGP	INVESCO EXCHANGE TRADED FD T	2,829 (-5.6%)	$322 (-5.4%)	0.2%	$99.87	—	S&P 500 GARP ETF	46137V431

Unchanged Positions (6)

DTE DTE ENERGY CO 0.2%

Value ($000) $303 Shares 2,347 Est. Cost $123.63 Unrealized +9.0%

COST COSTCO WHSL CORP NEW 0.3%

Value ($000) $354 Shares 410 Est. Cost $967.16 Unrealized -6.4%

— NUVEEN QUALITY MUNCP INCOME 0.3%

Value ($000) $380 Shares 31,605 Est. Cost $11.52 Unrealized —

EPD ENTERPRISE PRODS PARTNERS L 0.2%

Value ($000) $315 Shares 9,833 Est. Cost $34.14 Unrealized —

V VISA INC 0.2%

Value ($000) $217 Shares 620 Est. Cost $336.32 Unrealized +1.2%

BRK/B BERKSHIRE HATHAWAY INC DEL 0.4%

Value ($000) $562 Shares 1,118 Est. Cost $486.15 Unrealized +2.3%

Ticker	Issuer	Shares	Value ($000)	%	Est. Cost	Unrealized	Class	CUSIP
DTE	DTE ENERGY CO	2,347	$303	0.2%	$123.63	+9.0%	COM	233331107
COST	COSTCO WHSL CORP NEW	410	$354	0.3%	$967.16	-6.4%	COM	22160K105
—	NUVEEN QUALITY MUNCP INCOME	31,605	$380	0.3%	$11.52	—	COM	67066V101
EPD	ENTERPRISE PRODS PARTNERS L	9,833	$315	0.2%	$34.14	—	COM	293792107
V	VISA INC	620	$217	0.2%	$336.32	+1.2%	COM CL A	92826C839
BRK/B	BERKSHIRE HATHAWAY INC DEL	1,118	$562	0.4%	$486.15	+2.3%	CL B NEW	084670702