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

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 Q2 2025 Q3 2025: $293.7M $293.7M Q3 2025 Q4 2025: $310.4M Q4 2025 Q1 2026: $322.5M Q1 2026 Q2 2026: $368.4M Q2 2026

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%
VIG Vanguard Dividend Apprec ETF 0.13% 1,786 $385K Reduce -3.4%
EFG iShares MSCI Eafe Growth ETF 0.13% 3,229 $368K Reduce -74.9%
DGRO iShares Core Dividend Growth 0.12% 5,098 $347K Reduce -10.7%
ET Energy Transfer LP 0.12% 20,000 $343K New
NFLX Netflix Inc. 0.11% 261 $313K No change
FIS Fidelity National Info Serv 0.10% 4,642 $306K Reduce -15.6%
RSP Invesco S&P 500 Equal Weight 0.10% 1,539 $292K No change
IJH iShares Core S&P Midcap ETF 0.10% 4,455 $291K Reduce -6.3%
MUNI PIMCO Intermediate Municipal 0.10% 5,500 $288K New
DIA SS SPDR Dow Jones Indus Avg filed as SPDR DOW JONES INDL AVERAGE 0.08% 538 $249K No change
NVS Novartis AG-Sponsored ADR 0.08% 1,931 $248K No change
PM Philip Morris International 0.08% 1,465 $238K Reduce -0.2%
IWD iShares Russell 1000 Value E 0.08% 1,166 $237K No change
IEFA iShares Core MSCI Eafe ETF 0.08% 2,601 $227K New
VZ Verizon Communications Inc. 0.08% 5,114 $225K New
GILD Gilead Sciences Inc. 0.07% 1,923 $213K Reduce -5.4%
IXUS iShares Core Intl Stock ETF 0.07% 2,481 $205K New

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

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