Commonwealth Retirement Investments LLC
In its 13F for Q3 2025 (holdings as of September 30, 2025, filed November 4, 2025), Commonwealth Retirement Investments LLC reported 117 stock positions worth $293.7 million. Its top holding was Broadcom (AVGO) at 7.3% of the portfolio, followed by Microsoft (MSFT, 4.7%) and Abbvie (ABBV, 4.2%). Compared with Q2 2025, it opened 9 new positions, sold out of 2, added to 63 and reduced 29. The biggest buy was Abbvie (ABBV, shares +2%) and the biggest sale iShares MSCI Eafe Growth ETF (EFG, shares −75%).
- Most Recent 13F
- Q2 2026
- Location
- RICHMOND, VA
- CIK
- 0001963787
- Portfolio Value
- $293.7M (Q3 2025)
- SEC Filing
- 0001963787-25-000007 ↗ filed Nov 4, 2025
Holdings Value
Holdings 117 stocks · $293.7M
| AVGO Broadcom Inc. | 7.34% | 65,357 | $21.6M | Reduce -0.1% |
| MSFT Microsoft Corp. | 4.67% | 26,491 | $13.7M | Add +2.0% |
| ABBV Abbvie Inc. | 4.19% | 53,191 | $12.3M | Add +1.7% |
| JPM JPMorgan Chase & Co. | 3.92% | 36,532 | $11.5M | Add +0.9% |
| HD Home Depot Inc. | 3.13% | 22,720 | $9.2M | Add +4.6% |
| XOM Exxon Mobil Corp. | 2.93% | 76,331 | $8.6M | Add +1.8% |
| CVX Chevron Corp. | 2.81% | 53,181 | $8.3M | Add +1.6% |
| MRK Merck & Co. Inc. | 2.66% | 93,003 | $7.8M | Add +4.9% |
| PEP Pepsico Inc. | 2.63% | 55,043 | $7.7M | Add +3.3% |
| JNJ Johnson & Johnson | 2.57% | 40,688 | $7.5M | Add +1.2% |
| LMT Lockheed Martin Corp. | 2.56% | 15,052 | $7.5M | Add +18.4% |
| MO Altria Group Inc. | 2.54% | 113,021 | $7.5M | Add +1.9% |
| BND Vanguard Total Bond Market | 2.54% | 100,360 | $7.5M | Add +6.6% |
| V Visa Inc. Class A | 2.02% | 17,403 | $5.9M | Add +11.4% |
| IVV iShares Core S&P 500 ETF | 1.95% | 8,571 | $5.7M | Add +0.7% |
| LRCX Lam Research Corp. | 1.71% | 37,464 | $5.0M | Add +1.3% |
| UPS United Parcel Service Class B | 1.45% | 50,807 | $4.2M | Add +8.4% |
| CSCO Cisco Systems Inc. | 1.36% | 58,581 | $4.0M | Reduce -1.8% |
| MA Mastercard Inc. Class A | 1.29% | 6,676 | $3.8M | Add +8.0% |
| PULS Pgim Ultra Short Bond ETF | 1.28% | 75,216 | $3.7M | Add +19.4% |
| DYNF Ishrs US E F R A ETF-Usd Inc. | 1.27% | 62,777 | $3.7M | Add +20.3% |
| IVW iShares S&P 500 Growth ETF | 1.23% | 29,919 | $3.6M | Add +1.3% |
| AMAT Applied Materials Inc. | 1.22% | 17,530 | $3.6M | Add +4.5% |
| LEN Lennar Corp. Class A | 1.09% | 25,490 | $3.2M | Add +6.7% |
| AAPL Apple Inc. | 1.07% | 12,304 | $3.1M | No change |
| QUAL iShares MSCI USA Quality Fac | 1.06% | 16,076 | $3.1M | Reduce -18.3% |
| TROW T Rowe Price Group Inc. filed as PRICE T ROWE GROUP INC | 1.06% | 30,418 | $3.1M | Add +6.2% |
| TSCO Tractor Supply Company | 1.06% | 54,541 | $3.1M | Add +5.5% |
| AMGN Amgen Inc. | 1.05% | 10,914 | $3.1M | Add +6.8% |
| UNH Unitedhealth Group Inc. | 1.04% | 8,884 | $3.1M | Reduce -13.5% |
| TJX TJX Companies Inc. filed as TJX COS INC NEW | 1.03% | 20,945 | $3.0M | Add +9.9% |
| IVE iShares S&P 500 Value ETF | 1.03% | 14,614 | $3.0M | Add +0.7% |
| ALL Allstate Corp. | 1.02% | 13,997 | $3.0M | Add +8.0% |
| BMY Bristol-Myers Squibb Co. | 1.01% | 65,960 | $3.0M | Add +11.4% |
| ABT Abbott Laboratories | 1.01% | 22,069 | $3.0M | Add +8.8% |
| EFV iShares MSCI Eafe Value ETF | 0.96% | 41,529 | $2.8M | Reduce -21.0% |
| OEF iShares S&P 100 ETF | 0.93% | 8,187 | $2.7M | Add +88.8% |
| IEMG iShares Core MSCI Emerging | 0.91% | 40,698 | $2.7M | Add +18.3% |
| PG The Procter & Gamble Co. | 0.79% | 15,102 | $2.3M | Reduce -2.0% |
| MET Metlife Inc. | 0.75% | 26,822 | $2.2M | Add +1.7% |
| FAST Fastenal Co. | 0.75% | 45,033 | $2.2M | Add +1.9% |
| COST Costco Wholesale Corp. | 0.74% | 2,349 | $2.2M | Reduce -1.8% |
| MTB M & T Bank Corp. filed as M & T BK CORP | 0.74% | 10,947 | $2.2M | Add +1.8% |
| ADP Automatic Data Processing | 0.73% | 7,268 | $2.1M | Add +13.2% |
| BBY Best Buy Co. Inc. | 0.69% | 26,902 | $2.0M | Add +2.1% |
| NEM Newmont Corp. | 0.68% | 23,604 | $2.0M | Add +5.3% |
| KMB Kimberly-Clark Corp. | 0.62% | 14,621 | $1.8M | Add +4.8% |
| HSY The Hershey Co. | 0.61% | 9,652 | $1.8M | Add +3.1% |
| PRU Prudential Financial Inc. | 0.57% | 16,221 | $1.7M | Add +4.6% |
| HPQ HP Inc. | 0.54% | 57,979 | $1.6M | Add +5.2% |
| PAYX Paychex Inc. | 0.53% | 12,361 | $1.6M | Add +7.2% |
| THRO iShares U.S. Thematic Rotati | 0.52% | 40,308 | $1.5M | Add +8.1% |
| CF CF Industries Holdings Inc. filed as CF INDS HLDGS INC | 0.51% | 16,641 | $1.5M | Add +7.3% |
| COP Conocophillips | 0.50% | 15,612 | $1.5M | Add +10.8% |
| RF Regions Financial Corp. | 0.49% | 54,658 | $1.4M | Add +7.6% |
| BAI Ishrs AI in and Tech Act ETF | 0.48% | 41,294 | $1.4M | Add +131.1% |
| DRI Darden Restaurants Inc. | 0.48% | 7,374 | $1.4M | Add +8.9% |
| AFL Aflac Inc. | 0.45% | 11,905 | $1.3M | Add +10.0% |
| MCHP Microchip Technology Inc. | 0.45% | 20,605 | $1.3M | Add +9.0% |
| WM Waste Management Inc. | 0.45% | 5,990 | $1.3M | Reduce -0.8% |
| TRV The Travelers Cos Inc. | 0.44% | 4,607 | $1.3M | Add +11.8% |
| PFG Principal Financial Group | 0.44% | 15,430 | $1.3M | Add +10.1% |
| MDLZ Mondelez International Inc. Class A | 0.43% | 20,409 | $1.3M | Add +6.8% |
| EOG EOG Resources Inc. | 0.41% | 10,772 | $1.2M | Add +11.9% |
| SCHD Schwab US DVD Equity ETF | 0.41% | 43,929 | $1.2M | Reduce -17.4% |
| TGT Target Corp. | 0.40% | 13,011 | $1.2M | Add +12.5% |
| BNY Bank of New York Mellon Corp. filed as BANK NEW YORK MELLON CORP | 0.40% | 10,690 | $1.2M | Reduce -5.7% |
| CTAS Cintas Corp. | 0.40% | 5,666 | $1.2M | Add +13.7% |
| KLAC KLA Corp. | 0.39% | 1,072 | $1.2M | Reduce -7.2% |
| GIS General Mills Inc. | 0.39% | 22,935 | $1.2M | Add +9.6% |
| PUSH Pgim Ultra SHRT MNPL BND ETF | 0.33% | 18,940 | $957K | No change |
| AMZN Amazon.com Inc. | 0.32% | 4,279 | $940K | No change |
| COR Cencora Inc. | 0.32% | 2,984 | $933K | No change |
| TFC Truist Financial Corp. | 0.31% | 19,702 | $901K | Reduce -7.2% |
| MTUM iShares MSCI USA Momentum Fa | 0.30% | 3,451 | $885K | Add +10.7% |
| ITA iShares U.S. Aerospace & Def | 0.30% | 4,217 | $882K | New |
| WMT Walmart Inc. | 0.29% | 8,280 | $853K | Add +0.0% |
| ADI Analog Devices Inc. | 0.29% | 3,452 | $848K | No change |
| IWF iShares Russell 1000 Growth | 0.27% | 1,674 | $784K | No change |
| SPY SS SPDR S&P 500 ETF Trust-US | 0.26% | 1,165 | $776K | No change |
| IBM Intl Business Machines Corp. filed as INTERNATIONAL BUSINESS MACHS | 0.25% | 2,559 | $722K | Add +1.9% |
| PFE Pfizer Inc. | 0.24% | 27,286 | $695K | Reduce -25.2% |
| UNP Union Pacific Corp. | 0.21% | 2,638 | $623K | Reduce -15.8% |
| CME Cme Group Inc. | 0.20% | 2,228 | $602K | Reduce -12.5% |
| META Meta Platforms Inc. Class A | 0.20% | 809 | $594K | Add +13.2% |
| BRK.B Berkshire Hathaway Inc. Class B | 0.20% | 1,169 | $588K | No change |
| PNC PNC Financial Services Group | 0.20% | 2,876 | $578K | Reduce -12.5% |
| VYM Vanguard High DVD Yield ETF | 0.19% | 3,963 | $559K | Reduce -12.2% |
| SCHW Schwab (charles) Corp. | 0.18% | 5,649 | $539K | Reduce -9.7% |
| GLD SPDR Gold Shares | 0.18% | 1,500 | $533K | No change |
| LHX L3HARRIS Technologies Inc. | 0.17% | 1,671 | $510K | Reduce -14.4% |
| BINC iShares Flex I A ETF-Usd Inc. | 0.17% | 9,500 | $506K | New |
| NVDA Nvidia Corp. | 0.16% | 2,596 | $484K | New |
| D Dominion Energy Inc. | 0.16% | 7,776 | $476K | Reduce -8.3% |
| NSC Norfolk Southern Corp. | 0.15% | 1,470 | $442K | Reduce -11.3% |
| TT Trane Technologies PLC | 0.15% | 1,023 | $432K | No change |
| QQQ Invesco QQQ Trust Series 1 | 0.14% | 707 | $425K | No change |
| VCRM Vanguard Core Tax-Ex Bond | 0.14% | 5,500 | $414K | New |
| TXN Texas Instruments Inc. | 0.14% | 2,232 | $410K | Reduce -8.6% |
| IBIT iShares Bitcoin Trust ETF | 0.13% | 6,000 | $390K | Add +50.0% |
Options reported separately and not counted above: PG puts ($230K), NVS puts ($128K), LMT puts ($100K).
Portfolio Sells Q2 2025 → Q3 2025
| EFG iShares MSCI Eafe Growth ETF | Reduce -74.9% | 0.13% | −0.42 |
| IYW iShares Ustechnology ETF | Sold out | 0.00% | −0.37 |
| EFV iShares MSCI Eafe Value ETF | Reduce -21.0% | 0.96% | −0.31 |
| QUAL iShares MSCI USA Quality Fac | Reduce -18.3% | 1.06% | −0.30 |
| CSCO Cisco Systems Inc. | Reduce -1.8% | 1.36% | −0.21 |
| UNH Unitedhealth Group Inc. | Reduce -13.5% | 1.04% | −0.17 |
| COST Costco Wholesale Corp. | Reduce -1.8% | 0.74% | −0.16 |
| PG The Procter & Gamble Co. | Reduce -2.0% | 0.79% | −0.14 |
| SCHD Schwab US DVD Equity ETF | Reduce -17.4% | 0.41% | −0.13 |
| PFE Pfizer Inc. | Reduce -25.2% | 0.24% | −0.10 |
| COF Capital One Financial Corp. | Sold out | 0.00% | −0.09 |
| WM Waste Management Inc. | Reduce -0.8% | 0.45% | −0.07 |
| FIS Fidelity National Info Serv | Reduce -15.6% | 0.10% | −0.07 |
| CME Cme Group Inc. | Reduce -12.5% | 0.20% | −0.06 |
| UNP Union Pacific Corp. | Reduce -15.8% | 0.21% | −0.06 |
| TXN Texas Instruments Inc. | Reduce -8.6% | 0.14% | −0.05 |
| TFC Truist Financial Corp. | Reduce -7.2% | 0.31% | −0.04 |
| VYM Vanguard High DVD Yield ETF | Reduce -12.2% | 0.19% | −0.04 |
| PNC PNC Financial Services Group | Reduce -12.5% | 0.20% | −0.04 |
| SCHW Schwab (charles) Corp. | Reduce -9.7% | 0.18% | −0.03 |
| PM Philip Morris International | Reduce -0.2% | 0.08% | −0.02 |
| DGRO iShares Core Dividend Growth | Reduce -10.7% | 0.12% | −0.02 |
| D Dominion Energy Inc. | Reduce -8.3% | 0.16% | −0.02 |
| IJH iShares Core S&P Midcap ETF | Reduce -6.3% | 0.10% | −0.01 |
| GILD Gilead Sciences Inc. | Reduce -5.4% | 0.07% | −0.01 |
| VIG Vanguard Dividend Apprec ETF | Reduce -3.4% | 0.13% | −0.01 |
| LHX L3HARRIS Technologies Inc. | Reduce -14.4% | 0.17% | −0.01 |
| NSC Norfolk Southern Corp. | Reduce -11.3% | 0.15% | −0.01 |
| KLAC KLA Corp. | Reduce -7.2% | 0.39% | +0.00 |
| BNY Bank of New York Mellon Corp. | Reduce -5.7% | 0.40% | +0.00 |
| AVGO Broadcom Inc. | Reduce -0.1% | 7.34% | +0.48 |
Portfolio Buys Q2 2025 → Q3 2025
| ABBV Abbvie Inc. | Add +1.7% | 4.19% | +0.50 |
| OEF iShares S&P 100 ETF | Add +88.8% | 0.93% | +0.43 |
| LRCX Lam Research Corp. | Add +1.3% | 1.71% | +0.34 |
| LMT Lockheed Martin Corp. | Add +18.4% | 2.56% | +0.32 |
| ITA iShares U.S. Aerospace & Def | New | 0.30% | +0.30 |
| BAI Ishrs AI in and Tech Act ETF | Add +131.1% | 0.48% | +0.28 |
| JNJ Johnson & Johnson | Add +1.2% | 2.57% | +0.23 |
| DYNF Ishrs US E F R A ETF-Usd Inc. | Add +20.3% | 1.27% | +0.18 |
| NEM Newmont Corp. | Add +5.3% | 0.68% | +0.18 |
| BINC iShares Flex I A ETF-Usd Inc. | New | 0.17% | +0.17 |
| NVDA Nvidia Corp. | New | 0.16% | +0.16 |
| VCRM Vanguard Core Tax-Ex Bond | New | 0.14% | +0.14 |
| TJX TJX Companies Inc. | Add +9.9% | 1.03% | +0.14 |
| IEMG iShares Core MSCI Emerging | Add +18.3% | 0.91% | +0.13 |
| ET Energy Transfer LP | New | 0.12% | +0.12 |
| HD Home Depot Inc. | Add +4.6% | 3.13% | +0.11 |
| MUNI PIMCO Intermediate Municipal | New | 0.10% | +0.10 |
| LEN Lennar Corp. Class A | Add +6.7% | 1.09% | +0.09 |
| PULS Pgim Ultra Short Bond ETF | Add +19.4% | 1.28% | +0.08 |
| IEFA iShares Core MSCI Eafe ETF | New | 0.08% | +0.08 |
| VZ Verizon Communications Inc. | New | 0.08% | +0.08 |
| IXUS iShares Core Intl Stock ETF | New | 0.07% | +0.07 |
| MO Altria Group Inc. | Add +1.9% | 2.54% | +0.07 |
| AMAT Applied Materials Inc. | Add +4.5% | 1.22% | +0.05 |
| FAST Fastenal Co. | Add +1.9% | 0.75% | +0.05 |
| IBIT iShares Bitcoin Trust ETF | Add +50.0% | 0.13% | +0.04 |
| RF Regions Financial Corp. | Add +7.6% | 0.49% | +0.04 |
| ALL Allstate Corp. | Add +8.0% | 1.02% | +0.03 |
| HPQ HP Inc. | Add +5.2% | 0.54% | +0.02 |
| HSY The Hershey Co. | Add +3.1% | 0.61% | +0.02 |
| COP Conocophillips | Add +10.8% | 0.50% | +0.02 |
| BBY Best Buy Co. Inc. | Add +2.1% | 0.69% | +0.02 |
| AFL Aflac Inc. | Add +10.0% | 0.45% | +0.02 |
| TRV The Travelers Cos Inc. | Add +11.8% | 0.44% | +0.02 |
| TSCO Tractor Supply Company | Add +5.5% | 1.06% | +0.02 |
| MTUM iShares MSCI USA Momentum Fa | Add +10.7% | 0.30% | +0.02 |
| THRO iShares U.S. Thematic Rotati | Add +8.1% | 0.52% | +0.02 |
| PFG Principal Financial Group | Add +10.1% | 0.44% | +0.01 |
| TROW T Rowe Price Group Inc. | Add +6.2% | 1.06% | +0.01 |
| META Meta Platforms Inc. Class A | Add +13.2% | 0.20% | +0.00 |
| IVW iShares S&P 500 Growth ETF | Add +1.3% | 1.23% | −0.01 |
| MRK Merck & Co. Inc. | Add +4.9% | 2.66% | −0.01 |
| WMT Walmart Inc. | Add +0.0% | 0.29% | −0.02 |
| GIS General Mills Inc. | Add +9.6% | 0.39% | −0.02 |
| CTAS Cintas Corp. | Add +13.7% | 0.40% | −0.03 |
| EOG EOG Resources Inc. | Add +11.9% | 0.41% | −0.03 |
| ADP Automatic Data Processing | Add +13.2% | 0.73% | −0.03 |
| MA Mastercard Inc. Class A | Add +8.0% | 1.29% | −0.03 |
| BMY Bristol-Myers Squibb Co. | Add +11.4% | 1.01% | −0.03 |
| CF CF Industries Holdings Inc. | Add +7.3% | 0.51% | −0.03 |
Options Activity Q2 2025 → Q3 2025
| PG The Procter & Gamble Co. | put | New | 1,500 | $230K |
| NVS Novartis AG-Sponsored ADR | put | New | 1,000 | $128K |
| LMT Lockheed Martin Corp. | put | New | 200 | $100K |
Calls and puts are listed by the shares they cover; their value is not part of the stock holdings above.
All Filings
| Quarter | Positions | 13F Reported Value | Top Holdings |
|---|---|---|---|
| Q2 2026 | 413 | $368.4M | AVGO, ABBV, JNJ, MSFT, MRK |
| Q1 2026 | 120 | $322.5M | AVGO, XOM, ABBV, MRK, JPM |
| Q4 2025 | 429 | $310.4M | AVGO, MSFT, ABBV, JPM, MRK |
| Q3 2025 | 117 | $293.7M | AVGO, MSFT, ABBV, JPM, HD |
| Q2 2025 | 110 | $263.0M | AVGO, MSFT, JPM, ABBV, XOM |
| Q1 2025 | 94 | $245.7M | AVGO, JPM, ABBV, MSFT, XOM |
| Q4 2024 | 99 | $242.8M | AVGO, JPM, MSFT, ABBV, IVV |
| Q3 2024 | 91 | $238.5M | AVGO, MSFT, JPM, ABBV, IVV |
| Q2 2024 | 92 | $218.4M | AVGO, MSFT, JPM, IVV, XOM |
| Q1 2024 | 80 | $209.4M | AVGO, MSFT, JPM, IVV, XOM |