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Summit Financial Consulting LLC

43409 SCHOENHERR ROAD, STERLING HEIGHTS, MI 48313 • 586-226-2100

Q3 2025 · Filed 2025-10-15
Market Value
$125M
+12.6%
Holdings
47
-2
New Purchases
7
Added To
25
Closed
5
Reduced
7
Top 10 Concentration
74.9%
Turnover
25.5%

Top Buys (by % of Portfolio)

SymbolCur %Prior %Chg %Value
LQD 16.03% 0.42% +15.61% $20M
HYG 16.00% 0.43% +15.57% $20M
IYW 5.44% 0.00% +5.44% $7M
IVW 5.35% 0.00% +5.35% $7M
QQQM 5.30% 0.00% +5.30% $7M
SCHX 5.28% 0.00% +5.28% $7M
EEM 5.35% 2.03% +3.32% $7M
EFA 5.08% 2.07% +3.01% $6M
IDU 5.23% 4.97% +0.25% $7M
ITB 0.25% 0.00% +0.25% $314K
XLU 0.68% 0.46% +0.21% $849K
BIL 0.20% 0.00% +0.20% $248K
SCHG 0.17% 0.00% +0.17% $212K
XLK 0.87% 0.73% +0.14% $1M
XLG 2.23% 2.12% +0.10% $3M

Top Sells (by % of Portfolio)

SymbolCur %Prior %Chg %Value
IEF 0.00% 47.73% -47.73% $0
IYC 0.00% 5.22% -5.22% $0
IYY 0.00% 2.21% -2.21% $0
IVE 0.00% 1.93% -1.93% $0
IYR 0.00% 1.86% -1.86% $0
IYZ 5.43% 5.97% -0.55% $7M
IYF 5.51% 5.81% -0.30% $7M
AGG 0.91% 1.01% -0.11% $1M
TLT 0.92% 1.03% -0.11% $1M
MSFT 0.89% 0.96% -0.07% $1M
IYE 5.21% 5.28% -0.07% $7M
BRK-B 0.45% 0.51% -0.06% $562K
V 0.17% 0.20% -0.03% $212K
EPD 0.25% 0.27% -0.03% $307K
SMMU 0.51% 0.54% -0.03% $641K

Sector Allocation Over Time

Industry Breakdown

IndustryWeight
Financial Services 97.2%
Technology 1.3%
Consumer Cyclical 0.6%
Energy 0.3%
Consumer Defensive 0.3%

Market Cap Concentration

TierHoldingsValueWeight
Mega Cap 6 $3M 2.7%
Large Cap 22 $90M 71.5%
Mid Cap 9 $9M 7.5%
Small Cap 8 $22M 17.4%
Micro Cap 2 $1M 0.9%

Portfolio Analytics

Avg Market Cap
$296.9B
Median Market Cap
$28.4B
Avg P/E
28.4
Median P/E
25.1
Avg Dividend Yield
0.03%
Avg Beta
0.95
# Stocks
9
# ETFs / Funds
38

Top Holdings (47 total)

# Symbol % Port Shares Value Avg Price Q/Q Value Chg Share Chg Chg % Status
1 LQD 16.03% 180,158 $20M $111.47 $20M +175,923 +4154.0%
2 HYG 16.00% 246,952 $20M $81.19 $20M +240,959 +4020.7%
3 IYF 5.51% 54,506 $7M $126.64 $439K +1,081 +2.0%
4 IYW 5.44% 34,820 $7M $195.86 +34,820 NEW
5 IYZ 5.43% 210,746 $7M $32.26 $153K -12,421 -5.6%
6 IVW 5.35% 55,552 $7M $120.72 +55,552 NEW
7 EEM 5.35% 125,538 $7M $53.40 $4M +78,699 +168.0%
8 QQQM 5.30% 26,845 $7M $247.12 +26,845 NEW
9 SCHX 5.28% 251,254 $7M $26.34 +251,254 NEW
10 IDU 5.23% 59,033 $7M $110.90 $1M +6,100 +11.5%
11 IYE 5.21% 137,409 $7M $47.52 $655K +7,492 +5.8%
12 EFA 5.08% 68,152 $6M $93.37 $4M +42,356 +164.2%
13 XLG 2.23% 48,523 $3M $57.52 $428K +3,175 +7.0%
14 TLT 0.92% 12,950 $1M $89.37 $10K -56 -0.4%
15 AGG 0.91% 11,313 $1M $100.25 $7K -52 -0.5%
16 MSFT 0.89% 2,157 $1M $517.90 $44K -1 -0.1%
17 XLK 0.87% 3,868 $1M $281.86 $273K +640 +19.8%
18 SPLG 0.87% 13,855 $1M $78.34 $219K +1,938 +16.3%
19 AAPL 0.70% 3,453 $879K $254.61 $189K +90 +2.7%
20 XLU 0.68% 9,730 $849K $87.21 $332K +3,406 +53.9%
21 RVNU 0.62% 31,425 $775K $24.67 $104K +3,463 +12.4%
22 MUNI 0.61% 14,530 $760K $52.28 $76K +1,224 +9.2%
23 FLMI 0.56% 28,081 $696K $24.77 $53K +1,594 +6.0%
24 SMMU 0.51% 12,672 $641K $50.57 $43K +754 +6.3%
25 BRK-B 0.45% 1,118 $562K $502.74 -$5K -50 -4.3%
26 COST 0.30% 408 $378K $925.63 $73K +100 +32.5%
27 NAD 0.29% 31,605 $369K $11.69 $13K
28 USRT 0.28% 5,974 $351K $58.72 $42K +509 +9.3%
29 SPGP 0.27% 2,996 $340K $113.62 $10K -68 -2.2%
30 MIY 0.27% 29,665 $335K $11.28 $32K +2,221 +8.1%
31 DTE 0.26% 2,344 $332K $141.43 $21K +3 +0.1%
32 NZF 0.25% 25,371 $319K $12.56 $37K +1,775 +7.5%
33 ITB 0.25% 2,931 $314K $107.25 +2,931 NEW
34 PSCC 0.25% 9,388 $309K $32.97 $30K +994 +11.8%
35 IVOV 0.25% 3,070 $309K $100.77 $16K -7 -0.2%
36 EPD 0.25% 9,833 $307K $31.27 $3K
37 BIL 0.20% 2,698 $248K $91.75 +2,698 NEW
38 MUB 0.19% 2,184 $233K $106.49 $27K +217 +11.0%
39 AMZN 0.18% 1,044 $229K $219.57 $9K +41 +4.1%
40 SCHG 0.17% 6,642 $212K $31.91 +6,642 NEW
41 V 0.17% 620 $212K $341.38 -$8K
42 F-PD 0.15% 16,195 $194K $11.96 $28K +955 +6.3%
43 IEF —% -$53M -554,550 -100.0% SOLD
44 IYY —% -$2M -16,329 -100.0% SOLD
45 IYC —% -$6M -58,273 -100.0% SOLD
46 IVE —% -$2M -10,962 -100.0% SOLD
47 IYR —% -$2M -21,881 -100.0% SOLD

New Positions

SymbolValue% Port
IYW $7M 5.44%
IVW $7M 5.35%
QQQM $7M 5.30%
SCHX $7M 5.28%
ITB $314K 0.25%
BIL $248K 0.20%
SCHG $212K 0.17%

Sold Out Positions

SymbolValue% Port
IEF —%
IYR —%
IYC —%
IVE —%
IYY —%
View SEC EDGAR Filings for Summit Financial Consulting LLC →

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For informational purposes only. Not investment advice. Data sourced from SEC filings. Privacy Terms