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Summit Financial Consulting LLC

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13F filer, CIK 2065794, STERLING HEIGHTS, MI

Summit Financial Consulting LLC reported $137,718,279 across 43 holdings for the quarter ended 2025-12-31, in a 13F-HR filed 2026-01-23. Its ten largest share positions make up 75% of the portfolio.

Filed (acceptance time not in the bulk data set), ingested 13F-HR 0002065794-26-000001

Period
2025-12-31
Reported value
$138M
Holdings
43
Top 10 weight
75%
New
3
Sold out
2

Largest buys vs the previous quarter

SecurityShares changeApprox. value
IYHnew+109,847$7.15M
LQDadded+17,412$1.92M
HYGadded+21,239$1.71M
IYWadded+4,084$815K
EFAadded+7,843$753K

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
IYFexited-54,506-$6.9M
IVOVexited-3,070-$309K
AGGreduced-1,003-$100K
TLTreduced-883-$77K
SPYMreduced-860-$69K

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, Q4 2025

Share positions as resolved from 13F-HR 0002065794-26-000001, largest first. % of portfolio is the value over $137,718,279, 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; 2024Q1: restricted; 2024Q2: restricted; 2024Q3: not loaded; 2024Q4: not loaded; 2025Q1: 169,110 shares; 2025Q2: 4,235 shares; 2025Q3: 180,158 shares; 2025Q4: 197,570 shares 197,570$21.8M15.81%+17,412Timeline
HYGISHARES TRQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2024Q1: restricted; 2024Q2: restricted; 2024Q3: not loaded; 2024Q4: not loaded; 2025Q1: 230,171 shares; 2025Q2: 5,993 shares; 2025Q3: 246,952 shares; 2025Q4: 268,191 shares 268,191$21.6M15.7%+21,239Timeline
IYWISHARES TRQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2024Q1: restricted; 2024Q2: restricted; 2024Q3: not loaded; 2024Q4: not loaded; 2025Q1: 36,761 shares; 2025Q2: not reported; 2025Q3: 34,820 shares; 2025Q4: 38,904 shares 38,904$7.77M5.64%+4,084Timeline
IYZISHARES TRQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2024Q1: restricted; 2024Q2: restricted; 2024Q3: not loaded; 2024Q4: not loaded; 2025Q1: 223,389 shares; 2025Q2: 223,167 shares; 2025Q3: 210,746 shares; 2025Q4: 228,255 shares 228,255$7.74M5.62%+17,509Timeline
EEMISHARES TRQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2024Q1: restricted; 2024Q2: restricted; 2024Q3: not loaded; 2024Q4: not loaded; 2025Q1: not reported; 2025Q2: 46,839 shares; 2025Q3: 125,538 shares; 2025Q4: 137,204 shares 137,204$7.51M5.45%+11,666Timeline
IVWISHARES TRQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2024Q1: restricted; 2024Q2: restricted; 2024Q3: not loaded; 2024Q4: not loaded; 2025Q1: 60,236 shares; 2025Q2: not reported; 2025Q3: 55,552 shares; 2025Q4: 60,751 shares 60,751$7.49M5.44%+5,199Timeline
QQQMINVESCO EXCH TRADED FD TR IIQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2024Q1: restricted; 2024Q2: restricted; 2024Q3: not loaded; 2024Q4: not loaded; 2025Q1: 26,331 shares; 2025Q2: not reported; 2025Q3: 26,845 shares; 2025Q4: 29,458 shares 29,458$7.45M5.41%+2,613Timeline
SCHXSCHWAB STRATEGIC TRQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2024Q1: restricted; 2024Q2: restricted; 2024Q3: not loaded; 2024Q4: not loaded; 2025Q1: 251,227 shares; 2025Q2: not reported; 2025Q3: 251,254 shares; 2025Q4: 273,802 shares 273,802$7.37M5.35%+22,548Timeline
EFAISHARES TRQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2024Q1: restricted; 2024Q2: restricted; 2024Q3: not loaded; 2024Q4: not loaded; 2025Q1: not reported; 2025Q2: 25,796 shares; 2025Q3: 68,152 shares; 2025Q4: 75,995 shares 75,995$7.3M5.3%+7,843Timeline
IYEISHARES TRQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2024Q1: restricted; 2024Q2: restricted; 2024Q3: not loaded; 2024Q4: not loaded; 2025Q1: 112,711 shares; 2025Q2: 129,917 shares; 2025Q3: 137,409 shares; 2025Q4: 153,227 shares 153,227$7.28M5.29%+15,818Timeline
IYHISHARES TRQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2024Q1: restricted; 2024Q2: restricted; 2024Q3: not loaded; 2024Q4: not loaded; 2025Q1: not reported; 2025Q2: not reported; 2025Q3: not reported; 2025Q4: 109,847 shares 109,847$7.15M5.19%newTimeline
IDUISHARES TRQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2024Q1: restricted; 2024Q2: restricted; 2024Q3: not loaded; 2024Q4: not loaded; 2025Q1: not reported; 2025Q2: 52,933 shares; 2025Q3: 59,033 shares; 2025Q4: 65,479 shares 65,479$7.1M5.15%+6,446Timeline
XLGINVESCO EXCHANGE TRADED FD TQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2024Q1: restricted; 2024Q2: restricted; 2024Q3: not loaded; 2024Q4: not loaded; 2025Q1: 41,076 shares; 2025Q2: 45,348 shares; 2025Q3: 48,523 shares; 2025Q4: 53,979 shares 53,979$3.2M2.32%+5,456Timeline
XLKSELECT SECTOR SPDR TRQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2024Q1: restricted; 2024Q2: restricted; 2024Q3: not loaded; 2024Q4: not loaded; 2025Q1: 4,254 shares; 2025Q2: 3,228 shares; 2025Q3: 3,868 shares; 2025Q4: 9,076 shares 9,076$1.31M0.95%+5,208Timeline
MSFTMICROSOFT CORPQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2024Q1: restricted; 2024Q2: restricted; 2024Q3: not loaded; 2024Q4: not loaded; 2025Q1: 2,240 shares; 2025Q2: 2,158 shares; 2025Q3: 2,157 shares; 2025Q4: 2,209 shares 2,209$1.07M0.78%+52Timeline
TLTISHARES TRQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2024Q1: restricted; 2024Q2: restricted; 2024Q3: not loaded; 2024Q4: not loaded; 2025Q1: 12,674 shares; 2025Q2: 13,006 shares; 2025Q3: 12,950 shares; 2025Q4: 12,067 shares 12,067$1.05M0.76%-883Timeline
SPYMSPDR SERIES TRUSTQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2024Q1: restricted; 2024Q2: restricted; 2024Q3: not loaded; 2024Q4: not loaded; 2025Q1: 16,219 shares; 2025Q2: 11,917 shares; 2025Q3: 13,855 shares; 2025Q4: 12,995 shares 12,995$1.04M0.76%-860Timeline
AGGISHARES TRQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2024Q1: restricted; 2024Q2: restricted; 2024Q3: not loaded; 2024Q4: not loaded; 2025Q1: 11,034 shares; 2025Q2: 11,365 shares; 2025Q3: 11,313 shares; 2025Q4: 10,310 shares 10,310$1.03M0.75%-1,003Timeline
AAPLAPPLE INCQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2024Q1: restricted; 2024Q2: restricted; 2024Q3: not loaded; 2024Q4: not loaded; 2025Q1: 3,828 shares; 2025Q2: 3,363 shares; 2025Q3: 3,453 shares; 2025Q4: 3,370 shares 3,370$916K0.67%-83Timeline
RVNUDBX ETF TRQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2024Q1: restricted; 2024Q2: restricted; 2024Q3: not loaded; 2024Q4: not loaded; 2025Q1: 25,079 shares; 2025Q2: 27,962 shares; 2025Q3: 31,425 shares; 2025Q4: 35,621 shares 35,621$874K0.63%+4,196Timeline
MUNIPIMCO ETF TRQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2024Q1: restricted; 2024Q2: restricted; 2024Q3: not loaded; 2024Q4: not loaded; 2025Q1: 11,986 shares; 2025Q2: 13,306 shares; 2025Q3: 14,530 shares; 2025Q4: 16,172 shares 16,172$848K0.62%+1,642Timeline
XLUSELECT SECTOR SPDR TRQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2024Q1: restricted; 2024Q2: restricted; 2024Q3: not loaded; 2024Q4: not loaded; 2025Q1: 7,721 shares; 2025Q2: 6,324 shares; 2025Q3: 9,730 shares; 2025Q4: 19,318 shares 19,318$825K0.6%+9,588Timeline
FLMIFRANKLIN TEMPLETON ETF TRQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2024Q1: restricted; 2024Q2: restricted; 2024Q3: not loaded; 2024Q4: not loaded; 2025Q1: 23,933 shares; 2025Q2: 26,487 shares; 2025Q3: 28,081 shares; 2025Q4: 32,456 shares 32,456$807K0.59%+4,375Timeline
SMMUPIMCO ETF TRQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2024Q1: restricted; 2024Q2: restricted; 2024Q3: not loaded; 2024Q4: not loaded; 2025Q1: 10,901 shares; 2025Q2: 11,918 shares; 2025Q3: 12,672 shares; 2025Q4: 14,596 shares 14,596$736K0.53%+1,924Timeline
BRK-BBERKSHIRE HATHAWAY INC DELQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2024Q1: restricted; 2024Q2: restricted; 2024Q3: not loaded; 2024Q4: not loaded; 2025Q1: 1,168 shares; 2025Q2: 1,168 shares; 2025Q3: 1,118 shares; 2025Q4: 1,118 shares 1,118$562K0.41%0Timeline
AMZNAMAZON COM INCQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2024Q1: restricted; 2024Q2: restricted; 2024Q3: not loaded; 2024Q4: not loaded; 2025Q1: not reported; 2025Q2: 1,003 shares; 2025Q3: 1,044 shares; 2025Q4: 2,083 shares 2,083$481K0.35%+1,039Timeline
ITBISHARES TRQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2024Q1: restricted; 2024Q2: restricted; 2024Q3: not loaded; 2024Q4: not loaded; 2025Q1: not reported; 2025Q2: not reported; 2025Q3: 2,931 shares; 2025Q4: 4,510 shares 4,510$434K0.32%+1,579Timeline
USRTISHARES TRQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2024Q1: restricted; 2024Q2: restricted; 2024Q3: not loaded; 2024Q4: not loaded; 2025Q1: 4,863 shares; 2025Q2: 5,465 shares; 2025Q3: 5,974 shares; 2025Q4: 6,866 shares 6,866$391K0.28%+892Timeline
MIYBLACKROCK MUNIYIELD MICH QUQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2024Q1: restricted; 2024Q2: restricted; 2024Q3: not loaded; 2024Q4: not loaded; 2025Q1: 24,801 shares; 2025Q2: 27,444 shares; 2025Q3: 29,665 shares; 2025Q4: 33,081 shares 33,081$388K0.28%+3,416Timeline
NADNUVEEN QUALITY MUNCP INCOMEQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2024Q1: restricted; 2024Q2: restricted; 2024Q3: not loaded; 2024Q4: not loaded; 2025Q1: 31,605 shares; 2025Q2: 31,605 shares; 2025Q3: 31,605 shares; 2025Q4: 31,605 shares 31,605$380K0.28%0Timeline
NZFNUVEEN MUN CR INCOME FDQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2024Q1: restricted; 2024Q2: restricted; 2024Q3: not loaded; 2024Q4: not loaded; 2025Q1: 20,841 shares; 2025Q2: 23,596 shares; 2025Q3: 25,371 shares; 2025Q4: 28,757 shares 28,757$362K0.26%+3,386Timeline
SCHGSCHWAB STRATEGIC TRQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2024Q1: restricted; 2024Q2: restricted; 2024Q3: not loaded; 2024Q4: not loaded; 2025Q1: 12,954 shares; 2025Q2: not reported; 2025Q3: 6,642 shares; 2025Q4: 11,003 shares 11,003$359K0.26%+4,361Timeline
PSCCINVESCO EXCH TRADED FD TR IIQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2024Q1: restricted; 2024Q2: restricted; 2024Q3: not loaded; 2024Q4: not loaded; 2025Q1: 7,361 shares; 2025Q2: 8,394 shares; 2025Q3: 9,388 shares; 2025Q4: 11,535 shares 11,535$359K0.26%+2,147Timeline
COSTCOSTCO WHOLESALE CORPORATIONQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2024Q1: restricted; 2024Q2: restricted; 2024Q3: not loaded; 2024Q4: not loaded; 2025Q1: 407 shares; 2025Q2: 308 shares; 2025Q3: 408 shares; 2025Q4: 410 shares 410$354K0.26%+2Timeline
SPGPINVESCO EXCHANGE TRADED FD TQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2024Q1: restricted; 2024Q2: restricted; 2024Q3: not loaded; 2024Q4: not loaded; 2025Q1: 3,083 shares; 2025Q2: 3,064 shares; 2025Q3: 2,996 shares; 2025Q4: 2,829 shares 2,829$322K0.23%-167Timeline
EPDENTERPRISE PRODS PARTNERS LQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2024Q1: restricted; 2024Q2: restricted; 2024Q3: not loaded; 2024Q4: not loaded; 2025Q1: 9,833 shares; 2025Q2: 9,833 shares; 2025Q3: 9,833 shares; 2025Q4: 9,833 shares 9,833$315K0.23%0Timeline
DTEDTE ENERGY COQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2024Q1: restricted; 2024Q2: restricted; 2024Q3: not loaded; 2024Q4: not loaded; 2025Q1: 2,448 shares; 2025Q2: 2,341 shares; 2025Q3: 2,344 shares; 2025Q4: 2,347 shares 2,347$303K0.22%+3Timeline
BILSPDR SERIES TRUSTQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2024Q1: restricted; 2024Q2: restricted; 2024Q3: not loaded; 2024Q4: not loaded; 2025Q1: not reported; 2025Q2: not reported; 2025Q3: 2,698 shares; 2025Q4: 3,182 shares 3,182$291K0.21%+484Timeline
XLESELECT SECTOR SPDR TRQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2024Q1: restricted; 2024Q2: restricted; 2024Q3: not loaded; 2024Q4: not loaded; 2025Q1: 3,787 shares; 2025Q2: not reported; 2025Q3: not reported; 2025Q4: 6,317 shares 6,317$282K0.21%newTimeline
TSLATESLA INCQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2024Q1: restricted; 2024Q2: restricted; 2024Q3: not loaded; 2024Q4: not loaded; 2025Q1: not reported; 2025Q2: not reported; 2025Q3: not reported; 2025Q4: 558 shares 558$251K0.18%newTimeline
MUBISHARES TRQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2024Q1: restricted; 2024Q2: restricted; 2024Q3: not loaded; 2024Q4: not loaded; 2025Q1: 1,969 shares; 2025Q2: 1,967 shares; 2025Q3: 2,184 shares; 2025Q4: 2,320 shares 2,320$248K0.18%+136Timeline
VVISA INCQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2024Q1: restricted; 2024Q2: restricted; 2024Q3: not loaded; 2024Q4: not loaded; 2025Q1: 620 shares; 2025Q2: 620 shares; 2025Q3: 620 shares; 2025Q4: 620 shares 620$217K0.16%0Timeline
FFORD MTR COQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2024Q1: restricted; 2024Q2: restricted; 2024Q3: not loaded; 2024Q4: not loaded; 2025Q1: 15,051 shares; 2025Q2: 15,240 shares; 2025Q3: 16,195 shares; 2025Q4: 13,221 shares 13,221$173K0.13%-2,974Timeline

Sold out in Q4 2025

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

SecurityShares beforeValue beforeType
IYFISHARES TR54,506$6.9Mshares
IVOVVANGUARD ADMIRAL FDS INC3,070$309Kshares

How Q4 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 0002065794-26-000001 base2026-01-23acceptance time not in the bulk data set