Commonwealth Retirement Investments LLC

In its 13F for Q2 2025 (holdings as of June 30, 2025, filed August 5, 2025), Commonwealth Retirement Investments LLC reported 110 stock positions worth $263.0 million. Its top holding was Broadcom (AVGO) at 6.9% of the portfolio, followed by Microsoft (MSFT, 4.9%) and JPMorgan Chase (JPM, 4.0%). Compared with Q1 2025, it opened 21 new positions, sold out of 5, added to 38 and reduced 43. The biggest buy was Merck (MRK, shares +249%) and the biggest sale Cisco Systems (CSCO, shares −50%).

Most Recent 13F
Q2 2026
Location
RICHMOND, VA
CIK
0001963787
Portfolio Value
$263.0M (Q2 2025)
SEC Filing
0001963787-25-000004 ↗ filed Aug 5, 2025

Holdings Value

0$100.0M$200.0M$300.0M$400.0M Q1 2024: $209.4M Q1 2024 Q2 2024: $218.4M Q2 2024 Q3 2024: $238.5M Q3 2024 Q4 2024: $242.8M Q4 2024 Q1 2025: $245.7M Q1 2025 Q2 2025: $263.0M $263.0M Q2 2025 Q3 2025: $293.7M Q3 2025 Q4 2025: $310.4M Q4 2025 Q1 2026: $322.5M Q1 2026 Q2 2026: $368.4M Q2 2026

Holdings 110 stocks · $263.0M
AVGO Broadcom Inc. 6.86% 65,412 $18.0M Reduce -23.4%
MSFT Microsoft Corp. 4.91% 25,960 $12.9M Reduce -1.6%
JPM JPMorgan Chase & Co. 3.99% 36,192 $10.5M Reduce -26.3%
ABBV Abbvie Inc. 3.69% 52,296 $9.7M Add +4.5%
XOM Exxon Mobil Corp. 3.07% 74,999 $8.1M Reduce -6.5%
HD Home Depot Inc. 3.03% 21,712 $8.0M Add +18.9%
CVX Chevron Corp. 2.85% 52,336 $7.5M Reduce -3.0%
PEP Pepsico Inc. 2.68% 53,274 $7.0M Add +104.4%
MRK Merck & Co. Inc. 2.67% 88,667 $7.0M Add +249.5%
BND Vanguard Total Bond Market 2.64% 94,174 $6.9M Add +5.0%
MO Altria Group Inc. 2.47% 110,937 $6.5M Reduce -7.4%
JNJ Johnson & Johnson 2.34% 40,218 $6.1M Reduce -22.6%
LMT Lockheed Martin Corp. 2.24% 12,709 $5.9M Add +31.4%
V Visa Inc. Class A 2.11% 15,622 $5.5M Add +62.2%
IVV iShares Core S&P 500 ETF 2.01% 8,515 $5.3M Reduce -40.2%
UPS United Parcel Service Class B 1.80% 46,886 $4.7M Add +36.7%
CSCO Cisco Systems Inc. 1.57% 59,681 $4.1M Reduce -50.3%
LRCX Lam Research Corp. 1.37% 36,983 $3.6M Add +62.2%
QUAL iShares MSCI USA Quality Fac 1.37% 19,685 $3.6M Reduce -1.0%
MA Mastercard Inc. Class A 1.32% 6,183 $3.5M Add +89.7%
EFV iShares MSCI Eafe Value ETF 1.27% 52,551 $3.3M Add +53.5%
IVW iShares S&P 500 Growth ETF 1.24% 29,527 $3.3M Reduce -8.5%
UNH Unitedhealth Group Inc. 1.22% 10,272 $3.2M Reduce -5.4%
PULS Pgim Ultra Short Bond ETF 1.19% 62,978 $3.1M Add +47.7%
AMAT Applied Materials Inc. 1.17% 16,771 $3.1M Add +82.7%
AMGN Amgen Inc. 1.09% 10,223 $2.9M Add +22.1%
DYNF Ishrs US E F R A ETF-Usd Inc. 1.08% 52,186 $2.8M Add +0.3%
IVE iShares S&P 500 Value ETF 1.08% 14,506 $2.8M Add +32.9%
TROW T Rowe Price Group Inc. filed as PRICE T ROWE GROUP INC 1.05% 28,651 $2.8M New
ABT Abbott Laboratories 1.05% 20,274 $2.8M New
BMY Bristol-Myers Squibb Co. 1.04% 59,183 $2.7M Add +24.6%
TSCO Tractor Supply Company 1.04% 51,713 $2.7M Add +134.6%
LEN Lennar Corp. Class A 1.00% 23,886 $2.6M Add +204.9%
ALL Allstate Corp. 0.99% 12,960 $2.6M Add +103.5%
AAPL Apple Inc. 0.96% 12,304 $2.5M Add +0.1%
PG The Procter & Gamble Co. 0.93% 15,409 $2.5M Reduce -48.5%
COST Costco Wholesale Corp. 0.90% 2,392 $2.4M Reduce -53.4%
TJX TJX Companies Inc. filed as TJX COS INC NEW 0.89% 19,050 $2.4M Add +75.5%
MET Metlife Inc. 0.81% 26,383 $2.1M Reduce -22.5%
MTB M & T Bank Corp. filed as M & T BK CORP 0.79% 10,752 $2.1M Reduce -22.2%
IEMG iShares Core MSCI Emerging 0.79% 34,394 $2.1M Add +126.3%
ADP Automatic Data Processing 0.75% 6,422 $2.0M Add +22.5%
FAST Fastenal Co. 0.71% 44,198 $1.9M Reduce -3.8%
KMB Kimberly-Clark Corp. 0.68% 13,951 $1.8M Reduce -3.5%
BBY Best Buy Co. Inc. 0.67% 26,348 $1.8M Reduce -3.3%
PAYX Paychex Inc. 0.64% 11,533 $1.7M Reduce -3.7%
PRU Prudential Financial Inc. 0.63% 15,514 $1.7M Add +4.5%
HSY The Hershey Co. 0.59% 9,361 $1.6M Add +9.2%
DRI Darden Restaurants Inc. 0.56% 6,772 $1.5M Reduce -9.1%
EFG iShares MSCI Eafe Growth ETF 0.55% 12,863 $1.4M Reduce -0.1%
CF CF Industries Holdings Inc. filed as CF INDS HLDGS INC 0.54% 15,505 $1.4M Add +5.5%
SCHD Schwab US DVD Equity ETF 0.54% 53,156 $1.4M Reduce -6.9%
WM Waste Management Inc. 0.53% 6,037 $1.4M Reduce -4.0%
HPQ HP Inc. 0.51% 55,122 $1.3M Add +6.8%
MCHP Microchip Technology Inc. 0.51% 18,908 $1.3M New
THRO iShares U.S. Thematic Rotati 0.50% 37,273 $1.3M New
OEF iShares S&P 100 ETF 0.50% 4,337 $1.3M Add +96.3%
NEM Newmont Corp. 0.50% 22,405 $1.3M New
MDLZ Mondelez International Inc. Class A 0.49% 19,117 $1.3M New
COP Conocophillips 0.48% 14,084 $1.3M New
RF Regions Financial Corp. 0.45% 50,805 $1.2M New
EOG EOG Resources Inc. 0.44% 9,628 $1.2M New
AFL Aflac Inc. 0.43% 10,820 $1.1M New
TGT Target Corp. 0.43% 11,563 $1.1M New
PFG Principal Financial Group 0.42% 14,015 $1.1M New
CTAS Cintas Corp. 0.42% 4,982 $1.1M New
TRV The Travelers Cos Inc. 0.42% 4,121 $1.1M New
GIS General Mills Inc. 0.41% 20,936 $1.1M New
KLAC KLA Corp. 0.39% 1,155 $1.0M Reduce -4.5%
BNY Bank of New York Mellon Corp. filed as BANK NEW YORK MELLON CORP 0.39% 11,337 $1.0M Reduce -4.4%
IYW iShares Ustechnology ETF 0.37% 5,562 $964K Reduce -24.2%
PUSH Pgim Ultra SHRT MNPL BND ETF 0.36% 18,940 $954K New
AMZN Amazon.com Inc. 0.36% 4,279 $939K Add +54.1%
TFC Truist Financial Corp. 0.35% 21,235 $913K Reduce -72.8%
COR Cencora Inc. 0.34% 2,984 $895K No change
PFE Pfizer Inc. 0.34% 36,481 $884K Reduce -8.9%
ADI Analog Devices Inc. 0.31% 3,452 $822K Reduce -23.2%
WMT Walmart Inc. 0.31% 8,277 $809K Add +0.1%
MTUM iShares MSCI USA Momentum Fa 0.28% 3,118 $749K Add +3.1%
IBM Intl Business Machines Corp. filed as INTERNATIONAL BUSINESS MACHS 0.28% 2,510 $740K Reduce -85.0%
UNP Union Pacific Corp. 0.27% 3,131 $720K Reduce -72.4%
SPY SS SPDR S&P 500 ETF Trust-US 0.27% 1,165 $720K Reduce -8.8%
IWF iShares Russell 1000 Growth 0.27% 1,674 $711K No change
CME Cme Group Inc. 0.27% 2,545 $701K Reduce -76.8%
PNC PNC Financial Services Group 0.23% 3,286 $613K Reduce -78.7%
VYM Vanguard High DVD Yield ETF 0.23% 4,513 $602K Add +13.4%
SCHW Schwab (charles) Corp. 0.22% 6,255 $571K Reduce -82.0%
BRK.B Berkshire Hathaway Inc. Class B 0.22% 1,169 $568K Add +0.8%
META Meta Platforms Inc. Class A 0.20% 715 $528K New
BAI Ishrs AI in and Tech Act ETF 0.20% 17,868 $515K New
TXN Texas Instruments Inc. 0.19% 2,443 $507K Reduce -84.5%
LHX L3HARRIS Technologies Inc. 0.19% 1,952 $490K Reduce -74.1%
D Dominion Energy Inc. 0.18% 8,475 $479K Add +0.1%
GLD SPDR Gold Shares 0.17% 1,500 $457K Reduce -45.5%
FIS Fidelity National Info Serv 0.17% 5,497 $448K Reduce -4.6%
TT Trane Technologies PLC 0.17% 1,023 $447K New
NSC Norfolk Southern Corp. 0.16% 1,657 $424K Reduce -4.6%
QQQ Invesco QQQ Trust Series 1 0.15% 707 $390K Add +34.2%
VIG Vanguard Dividend Apprec ETF 0.14% 1,849 $378K Reduce -4.6%
DGRO iShares Core Dividend Growth 0.14% 5,707 $365K Add +29.7%
NFLX Netflix Inc. 0.13% 261 $350K No change
IJH iShares Core S&P Midcap ETF 0.11% 4,755 $295K No change
RSP Invesco S&P 500 Equal Weight 0.11% 1,539 $280K No change
PM Philip Morris International 0.10% 1,468 $267K Add +0.3%
IBIT iShares Bitcoin Trust ETF 0.09% 4,000 $245K New
COF Capital One Financial Corp. 0.09% 1,145 $244K New
DIA SS SPDR Dow Jones Indus Avg filed as SPDR DOW JONES INDL AVERAGE 0.09% 538 $237K No change
NVS Novartis AG-Sponsored ADR 0.09% 1,931 $234K No change
IWD iShares Russell 1000 Value E 0.09% 1,166 $226K No change
GILD Gilead Sciences Inc. 0.09% 2,033 $225K Reduce -91.8%

Portfolio Sells Q1 2025 → Q2 2025
CSCO Cisco Systems Inc. Reduce -50.3% 1.57% −1.44
IBM Intl Business Machines Corp. Reduce -85.0% 0.28% −1.42
IVV iShares Core S&P 500 ETF Reduce -40.2% 2.01% −1.24
JNJ Johnson & Johnson Reduce -22.6% 2.34% −1.17
PG The Procter & Gamble Co. Reduce -48.5% 0.93% −1.14
UNH Unitedhealth Group Inc. Reduce -5.4% 1.22% −1.10
COST Costco Wholesale Corp. Reduce -53.4% 0.90% −1.07
GILD Gilead Sciences Inc. Reduce -91.8% 0.09% −1.04
TFC Truist Financial Corp. Reduce -72.8% 0.35% −0.96
TXN Texas Instruments Inc. Reduce -84.5% 0.19% −0.96
CME Cme Group Inc. Reduce -76.8% 0.27% −0.92
JPM JPMorgan Chase & Co. Reduce -26.3% 3.99% −0.91
SCHW Schwab (charles) Corp. Reduce -82.0% 0.22% −0.89
PNC PNC Financial Services Group Reduce -78.7% 0.23% −0.87
CVX Chevron Corp. Reduce -3.0% 2.85% −0.82
UNP Union Pacific Corp. Reduce -72.4% 0.27% −0.82
XOM Exxon Mobil Corp. Reduce -6.5% 3.07% −0.81
LHX L3HARRIS Technologies Inc. Reduce -74.1% 0.19% −0.46
MO Altria Group Inc. Reduce -7.4% 2.47% −0.45
EMXC iShares MSCI Emr MRK Ex Chna Sold out 0.00% −0.38
MET Metlife Inc. Reduce -22.5% 0.81% −0.31
MTB M & T Bank Corp. Reduce -22.2% 0.79% −0.21
HEFA Isha Curr Hedged MSCI Eafe Sold out 0.00% −0.17
KMB Kimberly-Clark Corp. Reduce -3.5% 0.68% −0.15
GLD SPDR Gold Shares Reduce -45.5% 0.17% −0.15
BBY Best Buy Co. Inc. Reduce -3.3% 0.67% −0.14
SHYM iShares Short Duration High Sold out 0.00% −0.14
PAYX Paychex Inc. Reduce -3.7% 0.64% −0.11
SCHD Schwab US DVD Equity ETF Reduce -6.9% 0.54% −0.11
IUSB Ishr CR Unvrse Usd BD ETF-Ui Sold out 0.00% −0.10
PFE Pfizer Inc. Reduce -8.9% 0.34% −0.08
DRI Darden Restaurants Inc. Reduce -9.1% 0.56% −0.07
WM Waste Management Inc. Reduce -4.0% 0.53% −0.07
ADI Analog Devices Inc. Reduce -23.2% 0.31% −0.06
IYW iShares Ustechnology ETF Reduce -24.2% 0.37% −0.05
TSLA Tesla Inc. Sold out 0.00% −0.02
FAST Fastenal Co. Reduce -3.8% 0.71% −0.02
SPY SS SPDR S&P 500 ETF Trust-US Reduce -8.8% 0.27% −0.02
QUAL iShares MSCI USA Quality Fac Reduce -1.0% 1.37% −0.01
BNY Bank of New York Mellon Corp. Reduce -4.4% 0.39% −0.01
VIG Vanguard Dividend Apprec ETF Reduce -4.6% 0.14% −0.01
NSC Norfolk Southern Corp. Reduce -4.6% 0.16% −0.01
FIS Fidelity National Info Serv Reduce -4.6% 0.17% −0.01
IVW iShares S&P 500 Growth ETF Reduce -8.5% 1.24% +0.02
EFG iShares MSCI Eafe Growth ETF Reduce -0.1% 0.55% +0.02
KLAC KLA Corp. Reduce -4.5% 0.39% +0.06
MSFT Microsoft Corp. Reduce -1.6% 4.91% +0.88
AVGO Broadcom Inc. Reduce -23.4% 6.86% +1.04

Portfolio Buys Q1 2025 → Q2 2025
MRK Merck & Co. Inc. Add +249.5% 2.67% +1.74
PEP Pepsico Inc. Add +104.4% 2.68% +1.08
TROW T Rowe Price Group Inc. New 1.05% +1.05
ABT Abbott Laboratories New 1.05% +1.05
V Visa Inc. Class A Add +62.2% 2.11% +0.74
LRCX Lam Research Corp. Add +62.2% 1.37% +0.69
LEN Lennar Corp. Class A Add +204.9% 1.00% +0.64
AMAT Applied Materials Inc. Add +82.7% 1.17% +0.63
MA Mastercard Inc. Class A Add +89.7% 1.32% +0.59
TSCO Tractor Supply Company Add +134.6% 1.04% +0.54
MCHP Microchip Technology Inc. New 0.51% +0.51
THRO iShares U.S. Thematic Rotati New 0.50% +0.50
NEM Newmont Corp. New 0.50% +0.50
MDLZ Mondelez International Inc. Class A New 0.49% +0.49
COP Conocophillips New 0.48% +0.48
LMT Lockheed Martin Corp. Add +31.4% 2.24% +0.48
ALL Allstate Corp. Add +103.5% 0.99% +0.46
RF Regions Financial Corp. New 0.45% +0.45
IEMG iShares Core MSCI Emerging Add +126.3% 0.79% +0.45
EFV iShares MSCI Eafe Value ETF Add +53.5% 1.27% +0.45
EOG EOG Resources Inc. New 0.44% +0.44
AFL Aflac Inc. New 0.43% +0.43
TGT Target Corp. New 0.43% +0.43
PFG Principal Financial Group New 0.42% +0.42
CTAS Cintas Corp. New 0.42% +0.42
TRV The Travelers Cos Inc. New 0.42% +0.42
GIS General Mills Inc. New 0.41% +0.41
PUSH Pgim Ultra SHRT MNPL BND ETF New 0.36% +0.36
TJX TJX Companies Inc. Add +75.5% 0.89% +0.36
PULS Pgim Ultra Short Bond ETF Add +47.7% 1.19% +0.33
HD Home Depot Inc. Add +18.9% 3.03% +0.30
UPS United Parcel Service Class B Add +36.7% 1.80% +0.26
OEF iShares S&P 100 ETF Add +96.3% 0.50% +0.26
IVE iShares S&P 500 Value ETF Add +32.9% 1.08% +0.23
META Meta Platforms Inc. Class A New 0.20% +0.20
BAI Ishrs AI in and Tech Act ETF New 0.20% +0.20
TT Trane Technologies PLC New 0.17% +0.17
AMZN Amazon.com Inc. Add +54.1% 0.36% +0.14
ADP Automatic Data Processing Add +22.5% 0.75% +0.10
IBIT iShares Bitcoin Trust ETF New 0.09% +0.09
COF Capital One Financial Corp. New 0.09% +0.09
CF CF Industries Holdings Inc. Add +5.5% 0.54% +0.07
DYNF Ishrs US E F R A ETF-Usd Inc. Add +0.3% 1.08% +0.05
QQQ Invesco QQQ Trust Series 1 Add +34.2% 0.15% +0.05
MTUM iShares MSCI USA Momentum Fa Add +3.1% 0.28% +0.04
DGRO iShares Core Dividend Growth Add +29.7% 0.14% +0.03
AMGN Amgen Inc. Add +22.1% 1.09% +0.02
VYM Vanguard High DVD Yield ETF Add +13.4% 0.23% +0.02
WMT Walmart Inc. Add +0.1% 0.31% +0.01
PM Philip Morris International Add +0.3% 0.10% +0.01

Options Activity Q1 2025 → Q2 2025
TSLA Tesla Inc. put Sold out 1,000 $259Kbefore exit

Calls and puts are listed by the shares they cover; their value is not part of the stock holdings above.

All Filings

QuarterPositions13F Reported ValueTop Holdings
Q2 2026 413$368.4MAVGO, ABBV, JNJ, MSFT, MRK
Q1 2026 120$322.5MAVGO, XOM, ABBV, MRK, JPM
Q4 2025 429$310.4MAVGO, MSFT, ABBV, JPM, MRK
Q3 2025 117$293.7MAVGO, MSFT, ABBV, JPM, HD
Q2 2025 110$263.0MAVGO, MSFT, JPM, ABBV, XOM
Q1 2025 94$245.7MAVGO, JPM, ABBV, MSFT, XOM
Q4 2024 99$242.8MAVGO, JPM, MSFT, ABBV, IVV
Q3 2024 91$238.5MAVGO, MSFT, JPM, ABBV, IVV
Q2 2024 92$218.4MAVGO, MSFT, JPM, IVV, XOM
Q1 2024 80$209.4MAVGO, MSFT, JPM, IVV, XOM