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Summit Financial Consulting LLC

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

Q4 2025 · Filed 2026-01-23
Market Value
$138M
+9.9%
Holdings
45
-2
New Purchases
3
Added To
30
Closed
2
Reduced
6
Top 10 Concentration
75.0%
Turnover
11.1%

Top Buys (by % of Portfolio)

SymbolCur %Prior %Chg %Value
IYH 5.19% 0.00% +5.19% $7M
EFA 5.30% 5.08% +0.22% $7M
XLE 0.21% 0.00% +0.21% $282K
IYW 5.64% 5.44% +0.20% $8M
IYZ 5.62% 5.43% +0.19% $8M
TSLA 0.18% 0.00% +0.18% $251K
AMZN 0.35% 0.18% +0.17% $481K
QQQM 5.41% 5.30% +0.11% $7M
EEM 5.45% 5.35% +0.10% $8M
XLG 2.32% 2.23% +0.10% $3M
SCHG 0.26% 0.17% +0.09% $359K
IVW 5.44% 5.35% +0.08% $7M
XLK 0.95% 0.87% +0.08% $1M
IYE 5.29% 5.21% +0.08% $7M
SCHX 5.35% 5.28% +0.07% $7M

Top Sells (by % of Portfolio)

SymbolCur %Prior %Chg %Value
IYF 0.00% 5.51% -5.51% $0
HYG 15.70% 16.00% -0.30% $22M
IVOV 0.00% 0.25% -0.25% $0
LQD 15.81% 16.03% -0.22% $22M
TLT 0.76% 0.92% -0.16% $1M
AGG 0.75% 0.91% -0.16% $1M
MSFT 0.78% 0.89% -0.12% $1M
SPLG 0.76% 0.87% -0.11% $1M
XLU 0.60% 0.68% -0.08% $825K
IDU 5.15% 5.23% -0.07% $7M
DTE 0.22% 0.26% -0.04% $303K
COST 0.26% 0.30% -0.04% $354K
BRK-B 0.41% 0.45% -0.04% $562K
SPGP 0.23% 0.27% -0.04% $322K
AAPL 0.67% 0.70% -0.04% $916K

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 7 $4M 2.8%
Large Cap 21 $99M 71.7%
Mid Cap 8 $10M 7.2%
Small Cap 7 $24M 17.5%
Micro Cap 2 $1M 0.9%

Portfolio Analytics

Avg Market Cap
$344.2B
Median Market Cap
$30.2B
Avg P/E
55.6
Median P/E
26.7
Avg Dividend Yield
0.03%
Avg Beta
0.94
# Stocks
10
# ETFs / Funds
35

Top Holdings (45 total)

# Symbol % Port Shares Value Avg Price Q/Q Value Chg Share Chg Chg % Status
1 LQD 15.81% 197,570 $22M $110.19 $2M +17,412 +9.7%
2 HYG 15.70% 268,191 $22M $80.63 $2M +21,239 +8.6%
3 IYW 5.64% 38,904 $8M $199.68 $949K +4,084 +11.7%
4 IYZ 5.62% 228,255 $8M $33.90 $939K +17,509 +8.3%
5 EEM 5.45% 137,204 $8M $54.71 $803K +11,666 +9.3%
6 IVW 5.44% 60,751 $7M $123.26 $782K +5,199 +9.4%
7 QQQM 5.41% 29,458 $7M $252.92 $817K +2,613 +9.7%
8 SCHX 5.35% 273,802 $7M $26.91 $750K +22,548 +9.0%
9 EFA 5.30% 75,995 $7M $96.03 $934K +7,843 +11.5%
10 IYE 5.29% 153,227 $7M $47.53 $753K +15,818 +11.5%
11 IYH 5.19% 109,847 $7M $65.10 +109,847 NEW
12 IDU 5.15% 65,479 $7M $108.36 $549K +6,446 +10.9%
13 XLG 2.32% 53,979 $3M $59.28 $409K +5,456 +11.2%
14 XLK 0.95% 9,076 $1M $143.97 $216K +5,208 +134.6%
15 MSFT 0.78% 2,209 $1M $483.62 -$49K +52 +2.4%
16 TLT 0.76% 12,067 $1M $87.16 -$106K -883 -6.8%
17 SPLG 0.76% 12,995 $1M $80.22 -$43K -860 -6.2%
18 AGG 0.75% 10,310 $1M $99.88 -$104K -1,003 -8.9%
19 AAPL 0.67% 3,370 $916K $271.87 $37K -83 -2.4%
20 RVNU 0.63% 35,621 $874K $24.54 $99K +4,196 +13.3%
21 MUNI 0.62% 16,172 $848K $52.41 $88K +1,642 +11.3%
22 XLU 0.60% 19,318 $825K $42.69 -$24K +9,588 +98.5%
23 FLMI 0.59% 32,456 $807K $24.87 $112K +4,375 +15.6%
24 SMMU 0.53% 14,596 $736K $50.43 $95K +1,924 +15.2%
25 BRK-B 0.41% 1,118 $562K $502.65 -$100
26 AMZN 0.35% 2,083 $481K $230.82 $252K +1,039 +99.5%
27 ITB 0.32% 4,510 $434K $96.30 $120K +1,579 +53.9%
28 USRT 0.28% 6,866 $391K $56.96 $40K +892 +14.9%
29 MIY 0.28% 33,081 $388K $11.74 $54K +3,416 +11.5%
30 NAD 0.28% 31,605 $380K $12.02 $10K
31 NZF 0.26% 28,757 $362K $12.58 $43K +3,386 +13.3%
32 SCHG 0.26% 11,003 $359K $32.62 $147K +4,361 +65.7%
33 PSCC 0.26% 11,535 $359K $31.08 $49K +2,147 +22.9%
34 COST 0.26% 410 $354K $862.34 -$24K +2 +0.5%
35 SPGP 0.23% 2,829 $322K $113.86 -$18K -167 -5.6%
36 EPD 0.23% 9,833 $315K $32.06 $8K
37 DTE 0.22% 2,347 $303K $128.96 -$29K +3 +0.1%
38 BIL 0.21% 3,182 $291K $91.38 $43K +484 +17.9%
39 XLE 0.21% 6,317 $282K $44.71 +6,317 NEW
40 TSLA 0.18% 558 $251K $449.72 +558 NEW
41 MUB 0.18% 2,320 $248K $107.11 $16K +136 +6.2%
42 V 0.16% 620 $217K $350.71 $6K
43 F-PD 0.13% 13,221 $173K $13.12 -$20K -2,974 -18.4%
44 IYF —% -$7M -54,506 -100.0% SOLD
45 IVOV —% -$309K -3,070 -100.0% SOLD

New Positions

SymbolValue% Port
IYH $7M 5.19%
XLE $282K 0.21%
TSLA $251K 0.18%

Sold Out Positions

SymbolValue% Port
IYF —%
IVOV —%
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