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Summit Financial Consulting LLC

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13F filer, CIK 2065794, STERLING HEIGHTS, MI

Summit Financial Consulting LLC reported $125,281,857 across 42 holdings for the quarter ended 2025-09-30, in a 13F-HR filed 2025-10-15. Its ten largest share positions make up 74.92% of the portfolio.

Filed (acceptance time not in the bulk data set), ingested 13F-HR 0002065794-25-000004

Period
2025-09-30
Reported value
$125M
Holdings
42
Top 10 weight
74.92%
New
7
Sold out
5

Largest buys vs the previous quarter

SecurityShares changeApprox. value
LQDadded+175,923$19.6M
HYGadded+240,959$19.6M
IYWnew+34,820$6.82M
IVWnew+55,552$6.71M
QQQMnew+26,845$6.63M

Ranked by the share change valued at this quarter's implied price (value over shares in the 13F). A position sold out is valued at the previous quarter's price, its last report.

Largest sells vs the previous quarter

SecurityShares changeApprox. value
IEFexited-554,550-$53.1M
IYCexited-58,273-$5.81M
IYYexited-16,329-$2.46M
IVEexited-10,962-$2.14M
IYRexited-21,881-$2.07M

Ranked by the share change valued at this quarter's implied price (value over shares in the 13F). A position sold out is valued at the previous quarter's price, its last report.

Holdings, Q3 2025

Share positions as resolved from 13F-HR 0002065794-25-000004, largest first. % of portfolio is the value over $125,281,857, the sum of the share positions whose value is usable for ratios (method).

SecurityHistorySharesValue% of portfolioChangeLatest eventTimeline
LQDISHARES TRQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2023Q4: restricted; 2024Q1: restricted; 2024Q2: restricted; 2024Q3: not loaded; 2024Q4: not loaded; 2025Q1: 169,110 shares; 2025Q2: 4,235 shares; 2025Q3: 180,158 shares 180,158$20.1M16.03%+175,923Timeline
HYGISHARES TRQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2023Q4: restricted; 2024Q1: restricted; 2024Q2: restricted; 2024Q3: not loaded; 2024Q4: not loaded; 2025Q1: 230,171 shares; 2025Q2: 5,993 shares; 2025Q3: 246,952 shares 246,952$20.1M16%+240,959Timeline
IYFISHARES TRQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2023Q4: restricted; 2024Q1: restricted; 2024Q2: restricted; 2024Q3: not loaded; 2024Q4: not loaded; 2025Q1: 52,964 shares; 2025Q2: 53,425 shares; 2025Q3: 54,506 shares 54,506$6.9M5.51%+1,081Timeline
IYWISHARES TRQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2023Q4: restricted; 2024Q1: restricted; 2024Q2: restricted; 2024Q3: not loaded; 2024Q4: not loaded; 2025Q1: 36,761 shares; 2025Q2: not reported; 2025Q3: 34,820 shares 34,820$6.82M5.44%newTimeline
IYZISHARES TRQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2023Q4: restricted; 2024Q1: restricted; 2024Q2: restricted; 2024Q3: not loaded; 2024Q4: not loaded; 2025Q1: 223,389 shares; 2025Q2: 223,167 shares; 2025Q3: 210,746 shares 210,746$6.8M5.43%-12,421Timeline
IVWISHARES TRQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2023Q4: restricted; 2024Q1: restricted; 2024Q2: restricted; 2024Q3: not loaded; 2024Q4: not loaded; 2025Q1: 60,236 shares; 2025Q2: not reported; 2025Q3: 55,552 shares 55,552$6.71M5.35%newTimeline
EEMISHARES TRQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2023Q4: restricted; 2024Q1: restricted; 2024Q2: restricted; 2024Q3: not loaded; 2024Q4: not loaded; 2025Q1: not reported; 2025Q2: 46,839 shares; 2025Q3: 125,538 shares 125,538$6.7M5.35%+78,699Timeline
QQQMINVESCO EXCH TRADED FD TR IIQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2023Q4: restricted; 2024Q1: restricted; 2024Q2: restricted; 2024Q3: not loaded; 2024Q4: not loaded; 2025Q1: 26,331 shares; 2025Q2: not reported; 2025Q3: 26,845 shares 26,845$6.63M5.3%newTimeline
SCHXSCHWAB STRATEGIC TRQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2023Q4: restricted; 2024Q1: restricted; 2024Q2: restricted; 2024Q3: not loaded; 2024Q4: not loaded; 2025Q1: 251,227 shares; 2025Q2: not reported; 2025Q3: 251,254 shares 251,254$6.62M5.28%newTimeline
IDUISHARES TRQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2023Q4: restricted; 2024Q1: restricted; 2024Q2: restricted; 2024Q3: not loaded; 2024Q4: not loaded; 2025Q1: not reported; 2025Q2: 52,933 shares; 2025Q3: 59,033 shares 59,033$6.55M5.23%+6,100Timeline
IYEISHARES TRQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2023Q4: restricted; 2024Q1: restricted; 2024Q2: restricted; 2024Q3: not loaded; 2024Q4: not loaded; 2025Q1: 112,711 shares; 2025Q2: 129,917 shares; 2025Q3: 137,409 shares 137,409$6.53M5.21%+7,492Timeline
EFAISHARES TRQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2023Q4: restricted; 2024Q1: restricted; 2024Q2: restricted; 2024Q3: not loaded; 2024Q4: not loaded; 2025Q1: not reported; 2025Q2: 25,796 shares; 2025Q3: 68,152 shares 68,152$6.36M5.08%+42,356Timeline
XLGINVESCO EXCHANGE TRADED FD TQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2023Q4: restricted; 2024Q1: restricted; 2024Q2: restricted; 2024Q3: not loaded; 2024Q4: not loaded; 2025Q1: 41,076 shares; 2025Q2: 45,348 shares; 2025Q3: 48,523 shares 48,523$2.79M2.23%+3,175Timeline
TLTISHARES TRQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2023Q4: restricted; 2024Q1: restricted; 2024Q2: restricted; 2024Q3: not loaded; 2024Q4: not loaded; 2025Q1: 12,674 shares; 2025Q2: 13,006 shares; 2025Q3: 12,950 shares 12,950$1.16M0.92%-56Timeline
AGGISHARES TRQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2023Q4: restricted; 2024Q1: restricted; 2024Q2: restricted; 2024Q3: not loaded; 2024Q4: not loaded; 2025Q1: 11,034 shares; 2025Q2: 11,365 shares; 2025Q3: 11,313 shares 11,313$1.13M0.91%-52Timeline
MSFTMICROSOFT CORPQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2023Q4: restricted; 2024Q1: restricted; 2024Q2: restricted; 2024Q3: not loaded; 2024Q4: not loaded; 2025Q1: 2,240 shares; 2025Q2: 2,158 shares; 2025Q3: 2,157 shares 2,157$1.12M0.89%-1Timeline
XLKSELECT SECTOR SPDR TRQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2023Q4: restricted; 2024Q1: restricted; 2024Q2: restricted; 2024Q3: not loaded; 2024Q4: not loaded; 2025Q1: 4,254 shares; 2025Q2: 3,228 shares; 2025Q3: 3,868 shares 3,868$1.09M0.87%+640Timeline
SPYMSPDR SERIES TRUSTQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2023Q4: restricted; 2024Q1: restricted; 2024Q2: restricted; 2024Q3: not loaded; 2024Q4: not loaded; 2025Q1: 16,219 shares; 2025Q2: 11,917 shares; 2025Q3: 13,855 shares 13,855$1.09M0.87%+1,938Timeline
AAPLAPPLE INCQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2023Q4: restricted; 2024Q1: restricted; 2024Q2: restricted; 2024Q3: not loaded; 2024Q4: not loaded; 2025Q1: 3,828 shares; 2025Q2: 3,363 shares; 2025Q3: 3,453 shares 3,453$879K0.7%+90Timeline
XLUSELECT SECTOR SPDR TRQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2023Q4: restricted; 2024Q1: restricted; 2024Q2: restricted; 2024Q3: not loaded; 2024Q4: not loaded; 2025Q1: 7,721 shares; 2025Q2: 6,324 shares; 2025Q3: 9,730 shares 9,730$849K0.68%+3,406Timeline
RVNUDBX ETF TRQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2023Q4: restricted; 2024Q1: restricted; 2024Q2: restricted; 2024Q3: not loaded; 2024Q4: not loaded; 2025Q1: 25,079 shares; 2025Q2: 27,962 shares; 2025Q3: 31,425 shares 31,425$775K0.62%+3,463Timeline
MUNIPIMCO ETF TRQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2023Q4: restricted; 2024Q1: restricted; 2024Q2: restricted; 2024Q3: not loaded; 2024Q4: not loaded; 2025Q1: 11,986 shares; 2025Q2: 13,306 shares; 2025Q3: 14,530 shares 14,530$760K0.61%+1,224Timeline
FLMIFRANKLIN TEMPLETON ETF TRQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2023Q4: restricted; 2024Q1: restricted; 2024Q2: restricted; 2024Q3: not loaded; 2024Q4: not loaded; 2025Q1: 23,933 shares; 2025Q2: 26,487 shares; 2025Q3: 28,081 shares 28,081$696K0.56%+1,594Timeline
SMMUPIMCO ETF TRQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2023Q4: restricted; 2024Q1: restricted; 2024Q2: restricted; 2024Q3: not loaded; 2024Q4: not loaded; 2025Q1: 10,901 shares; 2025Q2: 11,918 shares; 2025Q3: 12,672 shares 12,672$641K0.51%+754Timeline
BRK-BBERKSHIRE HATHAWAY INC DELQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2023Q4: restricted; 2024Q1: restricted; 2024Q2: restricted; 2024Q3: not loaded; 2024Q4: not loaded; 2025Q1: 1,168 shares; 2025Q2: 1,168 shares; 2025Q3: 1,118 shares 1,118$562K0.45%-50Timeline
COSTCOSTCO WHOLESALE CORPORATIONQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2023Q4: restricted; 2024Q1: restricted; 2024Q2: restricted; 2024Q3: not loaded; 2024Q4: not loaded; 2025Q1: 407 shares; 2025Q2: 308 shares; 2025Q3: 408 shares 408$378K0.3%+100Timeline
NADNUVEEN QUALITY MUNCP INCOMEQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2023Q4: restricted; 2024Q1: restricted; 2024Q2: restricted; 2024Q3: not loaded; 2024Q4: not loaded; 2025Q1: 31,605 shares; 2025Q2: 31,605 shares; 2025Q3: 31,605 shares 31,605$369K0.29%0Timeline
USRTISHARES TRQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2023Q4: restricted; 2024Q1: restricted; 2024Q2: restricted; 2024Q3: not loaded; 2024Q4: not loaded; 2025Q1: 4,863 shares; 2025Q2: 5,465 shares; 2025Q3: 5,974 shares 5,974$351K0.28%+509Timeline
SPGPINVESCO EXCHANGE TRADED FD TQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2023Q4: restricted; 2024Q1: restricted; 2024Q2: restricted; 2024Q3: not loaded; 2024Q4: not loaded; 2025Q1: 3,083 shares; 2025Q2: 3,064 shares; 2025Q3: 2,996 shares 2,996$340K0.27%-68Timeline
MIYBLACKROCK MUNIYIELD MICH QUQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2023Q4: restricted; 2024Q1: restricted; 2024Q2: restricted; 2024Q3: not loaded; 2024Q4: not loaded; 2025Q1: 24,801 shares; 2025Q2: 27,444 shares; 2025Q3: 29,665 shares 29,665$335K0.27%+2,221Timeline
DTEDTE ENERGY COQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2023Q4: restricted; 2024Q1: restricted; 2024Q2: restricted; 2024Q3: not loaded; 2024Q4: not loaded; 2025Q1: 2,448 shares; 2025Q2: 2,341 shares; 2025Q3: 2,344 shares 2,344$332K0.26%+3Timeline
NZFNUVEEN MUN CR INCOME FDQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2023Q4: restricted; 2024Q1: restricted; 2024Q2: restricted; 2024Q3: not loaded; 2024Q4: not loaded; 2025Q1: 20,841 shares; 2025Q2: 23,596 shares; 2025Q3: 25,371 shares 25,371$319K0.25%+1,775Timeline
ITBISHARES TRQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2023Q4: restricted; 2024Q1: restricted; 2024Q2: restricted; 2024Q3: not loaded; 2024Q4: not loaded; 2025Q1: not reported; 2025Q2: not reported; 2025Q3: 2,931 shares 2,931$314K0.25%newTimeline
PSCCINVESCO EXCH TRADED FD TR IIQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2023Q4: restricted; 2024Q1: restricted; 2024Q2: restricted; 2024Q3: not loaded; 2024Q4: not loaded; 2025Q1: 7,361 shares; 2025Q2: 8,394 shares; 2025Q3: 9,388 shares 9,388$309K0.25%+994Timeline
IVOVVANGUARD ADMIRAL FDS INCQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2023Q4: restricted; 2024Q1: restricted; 2024Q2: restricted; 2024Q3: not loaded; 2024Q4: not loaded; 2025Q1: 3,113 shares; 2025Q2: 3,077 shares; 2025Q3: 3,070 shares 3,070$309K0.25%-7Timeline
EPDENTERPRISE PRODS PARTNERS LQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2023Q4: restricted; 2024Q1: restricted; 2024Q2: restricted; 2024Q3: not loaded; 2024Q4: not loaded; 2025Q1: 9,833 shares; 2025Q2: 9,833 shares; 2025Q3: 9,833 shares 9,833$307K0.25%0Timeline
BILSPDR SERIES TRUSTQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2023Q4: restricted; 2024Q1: restricted; 2024Q2: restricted; 2024Q3: not loaded; 2024Q4: not loaded; 2025Q1: not reported; 2025Q2: not reported; 2025Q3: 2,698 shares 2,698$248K0.2%newTimeline
MUBISHARES TRQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2023Q4: restricted; 2024Q1: restricted; 2024Q2: restricted; 2024Q3: not loaded; 2024Q4: not loaded; 2025Q1: 1,969 shares; 2025Q2: 1,967 shares; 2025Q3: 2,184 shares 2,184$233K0.19%+217Timeline
AMZNAMAZON COM INCQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2023Q4: restricted; 2024Q1: restricted; 2024Q2: restricted; 2024Q3: not loaded; 2024Q4: not loaded; 2025Q1: not reported; 2025Q2: 1,003 shares; 2025Q3: 1,044 shares 1,044$229K0.18%+41Timeline
SCHGSCHWAB STRATEGIC TRQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2023Q4: restricted; 2024Q1: restricted; 2024Q2: restricted; 2024Q3: not loaded; 2024Q4: not loaded; 2025Q1: 12,954 shares; 2025Q2: not reported; 2025Q3: 6,642 shares 6,642$212K0.17%newTimeline
VVISA INCQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2023Q4: restricted; 2024Q1: restricted; 2024Q2: restricted; 2024Q3: not loaded; 2024Q4: not loaded; 2025Q1: 620 shares; 2025Q2: 620 shares; 2025Q3: 620 shares 620$212K0.17%0Timeline
FFORD MTR COQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2023Q4: restricted; 2024Q1: restricted; 2024Q2: restricted; 2024Q3: not loaded; 2024Q4: not loaded; 2025Q1: 15,051 shares; 2025Q2: 15,240 shares; 2025Q3: 16,195 shares 16,195$194K0.15%+955Timeline

Sold out in Q3 2025

Positions in the previous quarter's report that this quarter's report no longer lists.

SecurityShares beforeValue beforeType
IEFISHARES TR554,550$53.1Mshares
IYCISHARES TR58,273$5.81Mshares
IYYISHARES TR16,329$2.46Mshares
IVEISHARES TR10,962$2.14Mshares
IYRISHARES TR21,881$2.07Mshares

How Q3 2025 was built

Available 13F filings of this filer for the quarter and their roles: the base report is the latest original or restatement, NEW HOLDINGS amendments filed after it are added (method).

FilingRoleAmendmentFiledAcceptedIngested
13F-HR 0002065794-25-000004 base2025-10-15acceptance time not in the bulk data set