Summit Financial Consulting LLC

Registered adviser

CIK

2065794

Location

STERLING HEIGHTS, MI

Portfolio Value

Micro $37,536,171

Diversification

Diversified

Filing Date

Global Rank

#7,355 / 8,811 ▲ 1036 · as of Jun 2026

Top Industry

Semiconductors 18.6%

3Y Alpha vs SPY

+0.3%

Period ended 21 days ago

Filed Oct 15, 2026 · 6d

7 quarters · since Mar 2025

Regulatory profile

From Form ADV, the SEC filer profile, 13D/13G type codes and N-CEN, never from the name.

Holder type

Registered adviser

Form ADV roster, Oct 1, 2026

Form ADV adviser

CRD 126570

Roster of Oct 1, 2026

Regulatory AUM

$218,950,198

Main clients

Individuals and high net worth (100% of AUM)

Form ADV history

Monthly rosters from Dec 2019; each row is a run with the same figures, newest first.

Rosters	Regulatory AUM	Main clients
Oct 2026	$218,950,198	Individuals and high net worth (100%)
May 2026 to Sep 2026	$184,673,370	Individuals and high net worth (100%)
Mar 2026 to Apr 2026	$172,817,556	Individuals and high net worth (100%)
Mar 2025 to Feb 2026	$122,131,914	Individuals and high net worth (100%)
Jul 2024 to Feb 2025	$115,101,512	Individuals and high net worth (100%)
Mar 2024 to Jun 2024	$104,569,422	Individuals and high net worth (100%)

6 earlier changes not shown.

Portfolio style

Measured from the filed 13F common-share book for Jun 30, 2026, the newest measured quarter, never from the firm's own description.

Style

Concentrated

The top 10 positions are 94.1% of the book (60%+)

Turnover

Medium turnover

38.8% over the last four quarters (30% to under 100%)

Horizon

Medium horizon

Value-weighted holding period 4.5 quarters (4 to under 12)

Closest benchmark: every 13F filer's combined book, active share 93.6%; sector active share 81.3% against the combined 13F book's sector weights.

Over time 6 measured quarters

How the bands are measured

Style bands measure the filed 13F common-share book each closed quarter, tested in this order. Unknown: under $10,000,000 of valued equity or 5 stocks. Index-like (100+ stocks): active share of 20% or less against the closest benchmark, which is the S&P 500, S&P MidCap 400, S&P SmallCap 600, Russell 1000, Russell 2000, Nasdaq-100 or Dow Jones Industrial Average (weighted by an index-tracking fund's reported holdings or the index's constituents nearest the quarter end, over the names resolved to companies, and only when those are 90%+ of its weight) or every 13F filer's combined book, or index series holding 80%+ of the registered fund assets it advises (N-CEN) and equal to 50%+ of its book. Systematic-like: 500+ stocks, 100%+ annual turnover and a top 10 weight of 25% or less. Concentrated: a top 10 weight of 60%+ or 12 or fewer effective positions. Diversified active: none of these. Turnover is the smaller of buys and sells over average equity value, summed over four quarters: low under 30%, high 100%+. Horizon is the value-weighted number of quarters each position has been held: short under 4, long 12+.

Clone Performance

Build a hypothetical price-return history from this filer's public 13F holdings.

View clone backtest

Portfolio Concentration

47 tracked positions · as of Sep 30, 2026 · Δ vs Jun 30, 2026

Top Position

25.5%

−29.3 pts

Top 5

63.5%

−22.8 pts

Top 10

80.5%

−13.6 pts

HHI

1,153

Diversified−2,143

Portfolio Trend

7 quarters · across all stocks

Sector Breakdown

As of Sep 30, 2026

Sector	% Portfolio	Value	Positions
Unclassified	77.5%	$29,078,558	29
Technology	10.6%	$3,974,499	4
Financial Services	5.3%	$2,002,826	6
Consumer Cyclical	2.4%	$911,361	3
Consumer Defensive	1.1%	$395,997	1
Energy	0.9%	$350,153	1
Utilities	0.9%	$333,732	1
Industrials	0.7%	$280,533	1
Communication Services	0.6%	$208,512	1

Last Quarter's Activity

Export CSV

Sep 30, 2026 vs Jun 30, 2026

Added To

Positions the filer increased

25 positions

Ticker	Company	Δ Shares	Shares	Value
LQD	iShares iBoxx $ Investment Grade Corporate Bond ETF	+45,874	245,577	$0
IYZ	iShares U.S. Telecommunications ETF	+14,691	197,359	$0
IYW	iShares, Inc.	+7,780	39,621	$0
IYE	iShares U.S. Energy ETF	+4,059	135,494	$0
NVDA	Nvidia Corp	+3,727	5,113	$1,167,706
IYM	iShares U.S. Basic Materials ETF	+2,736	45,247	$0
NZF	Nuveen Municipal Credit Income Fund	+2,143	43,351	$469,491
FLMI	Franklin Dynamic Municipal Bond ETF	+2,125	40,281	$939,352
MIY	Blackrock Muniyield Michigan Quality Fund, Inc.	+1,947	41,515	$468,704
XLU	State Street(R) Utilities Select Sector SPDR(R) ETF	+1,878	36,645	$1,445,278
RVNU	Xtrackers Municipal Infrastructure Revenue Bond ETF	+1,735	43,423	$1,011,755
MUNI	PIMCO Intermediate Municipal Bond Active Exchange-Traded Fund	+1,130	19,910	$989,327
AAPL	Apple Inc.	+753	3,596	$1,197,539
DFAC	Dimensional U.S. Core Equity 2 ETF	+748	5,838	$259,499
XLG	Victory Portfolios II	+721	65,641	$0
SMMU	PIMCO Short Term Municipal Bond Active Exchange-Traded Fund	+680	16,488	$814,672
F	Ford Motor Co	+558	13,969	$168,466
USRT	iShares Core U.S. REIT ETF	+305	8,659	$0
DTE	Dte Energy Co	+304	2,740	$333,732
MUB	iShares National Muni Bond ETF	+223	2,219	$0
TCAI	Tortoise AI Infrastructure ETF	+193	5,536	$259,749
XLK	State Street(R) Technology Select Sector SPDR(R) ETF	+155	8,076	$1,580,877
MSFT	Microsoft Corp	+147	2,342	$1,201,211
CAT	Caterpillar Inc	+121	346	$280,533
QQQ	Invesco Qqq Trust, Series 1	+44	342	$253,001
No positions match the current search.

Trimmed

Positions the filer reduced

13 positions

Ticker	Company	Δ Shares	Shares	Value
SCHX	Schwab U.S. Large-Cap ETF	−191,546	311,137	$9,334,110
EEM	iShares MSCI Emerging Markets ETF	−63,893	54,360	$3,630,704
VTWO	VANGUARD RUSSELL 2000 INDEX FUND	−17,152	51,327	$5,760,942
QQQM	Invesco Ltd.	−15,274	7,522	$0
IJS	iShares S&P Small-Cap 600 Value ETF	−9,670	14,199	$0
SCHG	Schwab U.S. Large-Cap Growth ETF	−4,426	6,425	$230,850
AGG	iShares Core U.S. Aggregate Bond ETF	−532	10,457	$0
SPYM	State Street(R) SPDR(R) Portfolio S&P 500(R) ETF	−488	7,840	$703,718
TLT	iShares 20+ Year Treasury Bond ETF	−345	12,257	$0
SPGP	Victory Portfolios II	−131	2,542	$0
AMZN	Amazon Com Inc	−86	2,123	$528,945
TSLA	Tesla, Inc.	−54	603	$213,950
AMD	Advanced Micro Devices Inc	−5	667	$408,043
No positions match the current search.

New Positions

Positions the filer opened this quarter

4 positions

Ticker	Company	Shares	Value
FYC	First Trust Small Cap Growth AlphaDEX Fund	16,170	$1,864,724
GOOGL	Alphabet Inc.	606	$208,512
ITB	iShares U.S. Home Construction ETF	5,418	$0
IEF	iShares 7-10 Year Treasury Bond ETF	295,650	$0
No positions match the current search.

Sold Out

Positions the filer fully exited

5 positions

Ticker	Company	Shares	Value
HYG	iShares iBoxx $ High Yield Corporate Bond ETF	272,444	$21,787,346
IVW	iShares S&P 500 Growth ETF	35,572	$4,892,217
IJK	iShares S&P Mid-Cap 400 Growth ETF	27,175	$3,193,062
VGT	VANGUARD INFORMATION TECHNOLOGY INDEX FUND	3,297	$394,057
XLE	State Street(R) Energy Select Sector SPDR(R) ETF	5,163	$274,206
No positions match the current search.

Portfolio Positions

Compact Export CSV View 13F filing

47 tracked positions · $37,536,171 total · filing declares 48 positions · $136,357,091 · as of Sep 30, 2026

All sectors Communication Services Consumer Cyclical Consumer Defensive Energy Financial Services Industrials Technology Utilities

Ticker	Company	Type	Shares	Δ Shares	Value (USD)	% Δ Value	% of Portfolio
SCHX	Schwab U.S. Large-Cap ETF	Reduced	311,137	-191,546	$9,334,110	−36.9%	24.87%
VTWO	VANGUARD RUSSELL 2000 INDEX FUND	Reduced	51,327	-17,152	$5,760,942	−30.7%	15.35%
EEM	iShares MSCI Emerging Markets ETF	Reduced	54,360	-63,893	$3,630,704	−55.1%	9.67%
FYC	First Trust Small Cap Growth AlphaDEX Fund	NEW	16,170	NEW	$1,864,724	NEW	4.97%
XLK	State Street(R) Technology Select Sector SPDR(R) ETF	Added	8,076	+155	$1,580,877	+4.8%	4.21%
XLU	State Street(R) Utilities Select Sector SPDR(R) ETF	Added	36,645	+1,878	$1,445,278	−8.3%	3.85%
MSFT	Microsoft Corp Technology	Added	2,342	+147	$1,201,211	+46.7%	3.20%
AAPL	Apple Inc. Technology	Added	3,596	+753	$1,197,539	+45.6%	3.19%
NVDA	Nvidia Corp Technology	Added	5,113	+3,727	$1,167,706	+321.1%	3.11%
RVNU	Xtrackers Municipal Infrastructure Revenue Bond ETF	Added	43,423	+1,735	$1,011,755	−4.1%	2.70%
MUNI	PIMCO Intermediate Municipal Bond Active Exchange-Traded Fund	Added	19,910	+1,130	$989,327	+0.2%	2.64%
FLMI	Franklin Dynamic Municipal Bond ETF	Added	40,281	+2,125	$939,352	−2.2%	2.50%
SMMU	PIMCO Short Term Municipal Bond Active Exchange-Traded Fund	Added	16,488	+680	$814,672	+2.1%	2.17%
SPYM	State Street(R) SPDR(R) Portfolio S&P 500(R) ETF	Reduced	7,840	-488	$703,718	−3.8%	1.87%
AMZN	Amazon Com Inc Consumer Cyclical	Reduced	2,123	-86	$528,945	+0.5%	1.41%
BRK-B	Berkshire Hathaway Inc Financial Services	Held	1,018	0	$506,913	−0.5%	1.35%
NZF	Nuveen Municipal Credit Income Fund Financial Services	Added	43,351	+2,143	$469,491	−10.1%	1.25%
MIY	Blackrock Muniyield Michigan Quality Fund, Inc. Financial Services	Added	41,515	+1,947	$468,704	−3.5%	1.25%
AMD	Advanced Micro Devices Inc Technology	Reduced	667	-5	$408,043	+4.5%	1.09%
COST	Costco Wholesale Corp Consumer Defensive	Held	435	0	$395,997	−2.7%	1.05%
EPD	Enterprise Products Partners L.P. Energy	Held	9,833	0	$350,153	−3.1%	0.93%
DTE	Dte Energy Co Utilities	Added	2,740	+304	$333,732	−10.1%	0.89%
NAD	Nuveen Quality Municipal Income Fund Financial Services	Held	31,605	0	$319,842	−16.5%	0.85%
CAT	Caterpillar Inc Industrials	Added	346	+121	$280,533	+17.1%	0.75%
TCAI	Tortoise AI Infrastructure ETF	Added	5,536	+193	$259,749	−13.1%	0.69%
DFAC	Dimensional U.S. Core Equity 2 ETF	Added	5,838	+748	$259,499	+14.9%	0.69%
QQQ	Invesco Qqq Trust, Series 1	Added	342	+44	$253,001	+15.3%	0.67%
V	Visa Inc. Financial Services	Held	662	0	$237,876	+4.7%	0.63%
SCHG	Schwab U.S. Large-Cap Growth ETF	Reduced	6,425	-4,426	$230,850	−37.1%	0.62%
TSLA	Tesla, Inc. Consumer Cyclical	Reduced	603	-54	$213,950	−22.6%	0.57%
GOOGL	Alphabet Inc. Communication Services	NEW	606	NEW	$208,512	NEW	0.56%
F	Ford Motor Co Consumer Cyclical	Added	13,969	+558	$168,466	−9.6%	0.45%
SPGP	Victory Portfolios II	Reduced	2,542	-131	$0	−100.0%	0.00%
XLG	Victory Portfolios II	Added	65,641	+721	$0	−100.0%	0.00%
QQQM	Invesco Ltd. Financial Services	Reduced	7,522	-15,274	$0	−100.0%	0.00%
IYW	iShares, Inc.	Added	39,621	+7,780	$0	−100.0%	0.00%
AGG	iShares Core U.S. Aggregate Bond ETF	Reduced	10,457	-532	$0	−100.0%	0.00%
IEF	iShares 7-10 Year Treasury Bond ETF	NEW	295,650	NEW	$0	NEW	0.00%
IJS	iShares S&P Small-Cap 600 Value ETF	Reduced	14,199	-9,670	$0	−100.0%	0.00%
ITB	iShares U.S. Home Construction ETF	NEW	5,418	NEW	$0	NEW	0.00%
IYE	iShares U.S. Energy ETF	Added	135,494	+4,059	$0	−100.0%	0.00%
IYM	iShares U.S. Basic Materials ETF	Added	45,247	+2,736	$0	−100.0%	0.00%
IYZ	iShares U.S. Telecommunications ETF	Added	197,359	+14,691	$0	−100.0%	0.00%
LQD	iShares iBoxx $ Investment Grade Corporate Bond ETF	Added	245,577	+45,874	$0	−100.0%	0.00%
MUB	iShares National Muni Bond ETF	Added	2,219	+223	$0	−100.0%	0.00%
TLT	iShares 20+ Year Treasury Bond ETF	Reduced	12,257	-345	$0	−100.0%	0.00%
USRT	iShares Core U.S. REIT ETF	Added	8,659	+305	$0	−100.0%	0.00%

Covers the securities this platform tracks: U.S.-listed common stock and the put/call positions reported on it. A 13F can also report security types outside that coverage — preferred shares, bonds, warrants, untracked share classes — so the filing's own declared total can exceed the figures above. The source filing is linked at the top of this table.