Commonwealth Retirement Investments LLC
In its 13F for Q4 2025 (holdings as of December 31, 2025, filed February 11, 2026), Commonwealth Retirement Investments LLC reported 429 stock positions worth $310.4 million. Its top holding was Broadcom (AVGO) at 7.1% of the portfolio, followed by Microsoft (MSFT, 4.1%) and Abbvie (ABBV, 3.8%). Compared with Q3 2025, it opened 314 new positions, sold out of 2, added to 50 and reduced 49. The biggest buy was iShares S&P 500 Value ETF (IVE, shares +40%) and the biggest sale Chevron (CVX, shares −12%).
- Most Recent 13F
- Q2 2026
- Location
- RICHMOND, VA
- CIK
- 0001963787
- Portfolio Value
- $310.4M (Q4 2025)
- SEC Filing
- 0001963787-26-000001 ↗ filed Feb 11, 2026
Holdings Value
Holdings 429 stocks · $310.4M
| AVGO Broadcom Inc. | 7.09% | 63,553 | $22.0M | Reduce -2.8% |
| MSFT Microsoft Corp. | 4.15% | 26,623 | $12.9M | Add +0.5% |
| ABBV Abbvie Inc. | 3.83% | 52,092 | $11.9M | Reduce -2.1% |
| JPM JPMorgan Chase & Co. | 3.79% | 36,503 | $11.8M | Reduce -0.1% |
| MRK Merck & Co. Inc. | 3.12% | 92,000 | $9.7M | Reduce -1.1% |
| XOM Exxon Mobil Corp. | 2.99% | 77,053 | $9.3M | Add +0.9% |
| JNJ Johnson & Johnson | 2.67% | 40,062 | $8.3M | Reduce -1.5% |
| BND Vanguard Total Bond Market | 2.56% | 107,099 | $7.9M | Add +6.7% |
| HD Home Depot Inc. | 2.54% | 22,931 | $7.9M | Add +0.9% |
| PEP Pepsico Inc. | 2.51% | 54,386 | $7.8M | Reduce -1.2% |
| LMT Lockheed Martin Corp. | 2.44% | 15,674 | $7.6M | Add +4.1% |
| CVX Chevron Corp. | 2.29% | 46,620 | $7.1M | Reduce -12.3% |
| MO Altria Group Inc. | 2.14% | 115,202 | $6.6M | Add +1.9% |
| IVV iShares Core S&P 500 ETF | 2.01% | 9,122 | $6.2M | Add +6.4% |
| V Visa Inc. Class A | 2.00% | 17,732 | $6.2M | Add +1.9% |
| LRCX Lam Research Corp. | 1.79% | 32,491 | $5.6M | Reduce -13.3% |
| AMAT Applied Materials Inc. | 1.44% | 17,350 | $4.5M | Reduce -1.0% |
| PULS Pgim Ultra Short Bond ETF | 1.42% | 88,605 | $4.4M | Add +17.8% |
| IVE iShares S&P 500 Value ETF | 1.40% | 20,521 | $4.4M | Add +40.4% |
| CSCO Cisco Systems Inc. | 1.40% | 56,401 | $4.3M | Reduce -3.7% |
| DYNF Ishrs US E F R A ETF-Usd Inc. | 1.35% | 69,083 | $4.2M | Add +10.1% |
| MA Mastercard Inc. Class A | 1.31% | 7,134 | $4.1M | Add +6.9% |
| UPS United Parcel Service Class B | 1.31% | 40,959 | $4.1M | Reduce -19.4% |
| IVW iShares S&P 500 Growth ETF | 1.27% | 31,866 | $3.9M | Add +6.5% |
| IEMG iShares Core MSCI Emerging | 1.18% | 54,631 | $3.7M | Add +34.2% |
| BMY Bristol-Myers Squibb Co. | 1.18% | 67,882 | $3.7M | Add +2.9% |
| AMGN Amgen Inc. | 1.18% | 11,165 | $3.7M | Add +2.3% |
| AAPL Apple Inc. | 1.08% | 12,304 | $3.3M | No change |
| TJX TJX Companies Inc. filed as TJX COS INC NEW | 1.06% | 21,421 | $3.3M | Add +2.3% |
| TROW T Rowe Price Group Inc. filed as PRICE T ROWE GROUP INC | 1.05% | 31,940 | $3.3M | Add +5.0% |
| ALL Allstate Corp. | 0.99% | 14,753 | $3.1M | Add +5.4% |
| OEF iShares S&P 100 ETF | 0.98% | 8,913 | $3.1M | Add +8.9% |
| UNH Unitedhealth Group Inc. | 0.94% | 8,879 | $2.9M | Reduce -0.1% |
| EFV iShares MSCI Eafe Value ETF | 0.92% | 40,063 | $2.9M | Reduce -3.5% |
| TSCO Tractor Supply Company | 0.90% | 55,554 | $2.8M | Add +1.9% |
| ABT Abbott Laboratories | 0.87% | 21,435 | $2.7M | Reduce -2.9% |
| LEN Lennar Corp. Class A | 0.84% | 25,426 | $2.6M | Reduce -0.3% |
| MTB M & T Bank Corp. filed as M & T BK CORP | 0.71% | 10,991 | $2.2M | Add +0.4% |
| NEM Newmont Corp. | 0.70% | 21,740 | $2.2M | Reduce -7.9% |
| PG The Procter & Gamble Co. | 0.69% | 14,960 | $2.1M | Reduce -0.9% |
| MET Metlife Inc. | 0.69% | 26,953 | $2.1M | Add +0.5% |
| COST Costco Wholesale Corp. | 0.64% | 2,299 | $2.0M | Reduce -2.1% |
| ADP Automatic Data Processing | 0.62% | 7,527 | $1.9M | Add +3.6% |
| PRU Prudential Financial Inc. | 0.60% | 16,416 | $1.9M | Add +1.2% |
| FAST Fastenal Co. | 0.59% | 45,660 | $1.8M | Add +1.4% |
| QUAL iShares MSCI USA Quality Fac | 0.58% | 9,062 | $1.8M | Reduce -43.6% |
| BBY Best Buy Co. Inc. | 0.57% | 26,669 | $1.8M | Reduce -0.9% |
| HSY The Hershey Co. | 0.56% | 9,632 | $1.8M | Reduce -0.2% |
| THRO iShares U.S. Thematic Rotati | 0.55% | 44,556 | $1.7M | Add +10.5% |
| MTUM iShares MSCI USA Momentum Fa | 0.50% | 6,238 | $1.6M | Add +80.8% |
| RF Regions Financial Corp. | 0.49% | 56,330 | $1.5M | Add +3.1% |
| BAI Ishrs AI in and Tech Act ETF | 0.49% | 45,319 | $1.5M | Add +9.8% |
| COP Conocophillips | 0.48% | 15,913 | $1.5M | Add +1.9% |
| PFG Principal Financial Group | 0.45% | 15,747 | $1.4M | Add +2.0% |
| PAYX Paychex Inc. | 0.45% | 12,357 | $1.4M | Reduce -0.0% |
| DRI Darden Restaurants Inc. | 0.44% | 7,458 | $1.4M | Add +1.1% |
| TRV The Travelers Cos Inc. | 0.44% | 4,689 | $1.4M | Add +1.8% |
| MCHP Microchip Technology Inc. | 0.44% | 21,319 | $1.4M | Add +3.5% |
| AFL Aflac Inc. | 0.43% | 12,240 | $1.3M | Add +2.8% |
| WM Waste Management Inc. | 0.43% | 6,026 | $1.3M | Add +0.6% |
| TGT Target Corp. | 0.41% | 13,162 | $1.3M | Add +1.2% |
| CF CF Industries Holdings Inc. filed as CF INDS HLDGS INC | 0.41% | 16,348 | $1.3M | Reduce -1.8% |
| KLAC KLA Corp. | 0.40% | 1,023 | $1.2M | Reduce -4.6% |
| BNY Bank of New York Mellon Corp. filed as BANK NEW YORK MELLON CORP | 0.40% | 10,580 | $1.2M | Reduce -1.0% |
| EOG EOG Resources Inc. | 0.38% | 11,152 | $1.2M | Add +3.5% |
| KMB Kimberly-Clark Corp. | 0.37% | 11,261 | $1.1M | Reduce -23.0% |
| IYE iShares U.S. Energy ETF | 0.36% | 23,805 | $1.1M | New |
| GIS General Mills Inc. | 0.36% | 23,854 | $1.1M | Add +4.0% |
| MDLZ Mondelez International Inc. Class A | 0.36% | 20,589 | $1.1M | Add +0.9% |
| HPQ HP Inc. | 0.35% | 49,311 | $1.1M | Reduce -14.9% |
| CTAS Cintas Corp. | 0.35% | 5,769 | $1.1M | Add +1.8% |
| AMZN Amazon.com Inc. | 0.33% | 4,496 | $1.0M | Add +5.1% |
| ITA iShares U.S. Aerospace & Def | 0.33% | 4,722 | $1.0M | Add +12.0% |
| COR Cencora Inc. | 0.32% | 2,984 | $1.0M | No change |
| PUSH Pgim Ultra SHRT MNPL BND ETF | 0.31% | 18,940 | $954K | No change |
| TFC Truist Financial Corp. | 0.30% | 19,153 | $943K | Reduce -2.8% |
| ADI Analog Devices Inc. | 0.30% | 3,453 | $936K | Add +0.0% |
| WMT Walmart Inc. | 0.30% | 8,400 | $936K | Add +1.4% |
| IYT iShares US Transportation Et | 0.26% | 10,887 | $811K | New |
| SPY SS SPDR S&P 500 ETF Trust-US | 0.26% | 1,165 | $795K | No change |
| IWF iShares Russell 1000 Growth | 0.26% | 1,674 | $792K | No change |
| IYK iShares US Consumer Staples | 0.23% | 10,625 | $711K | New |
| D Dominion Energy Inc. | 0.22% | 11,730 | $687K | Add +50.9% |
| IBM Intl Business Machines Corp. filed as INTERNATIONAL BUSINESS MACHS | 0.22% | 2,299 | $681K | Reduce -10.2% |
| SCHD Schwab US DVD Equity ETF | 0.22% | 24,459 | $671K | Reduce -44.3% |
| CME Cme Group Inc. | 0.19% | 2,125 | $580K | Reduce -4.6% |
| UNP Union Pacific Corp. | 0.19% | 2,495 | $577K | Reduce -5.4% |
| BRK.B Berkshire Hathaway Inc. Class B | 0.18% | 1,139 | $573K | Reduce -2.6% |
| PNC PNC Financial Services Group | 0.18% | 2,683 | $560K | Reduce -6.7% |
| TT Trane Technologies PLC | 0.18% | 1,421 | $553K | Add +38.9% |
| VYM Vanguard High DVD Yield ETF | 0.17% | 3,734 | $536K | Reduce -5.8% |
| IHE iShares US Pharmaceuticals E | 0.17% | 6,146 | $521K | New |
| SCHW Schwab (charles) Corp. | 0.16% | 5,026 | $502K | Reduce -11.0% |
| BINC iShares Flex I A ETF-Usd Inc. | 0.16% | 9,500 | $501K | No change |
| NVDA Nvidia Corp. | 0.16% | 2,596 | $484K | No change |
| LHX L3HARRIS Technologies Inc. | 0.14% | 1,509 | $443K | Reduce -9.7% |
| QQQ Invesco QQQ Trust Series 1 | 0.14% | 707 | $435K | No change |
| NSC Norfolk Southern Corp. | 0.14% | 1,466 | $423K | Reduce -0.3% |
| IEDI iShares U.S. Consumer Focuse | 0.13% | 7,162 | $394K | New |
| VIG Vanguard Dividend Apprec ETF | 0.12% | 1,731 | $380K | Reduce -3.1% |
Options reported separately and not counted above: PG puts ($215K).
Lines left out (4) · $34 — a value with no share or principal amount
| Security | Class | Shares | Value |
|---|---|---|---|
| INTC Intel Corp. | COM | 0 | $17 |
| IBDS Ishrs Ibnds Dec 27 Corp. ETF | IBONDS 27 ETF | 0 | $8 |
| WY Weyerhaeuser Co. | COM NEW | 0 | $8 |
| RSPH Invesco S&P 500 Equal Weight | S&P500 EQL HLT | 0 | $1 |
Filed with a value but no share or principal amount (a cash line, a holding rounded to 0 shares), so they are kept out of the holdings, totals and percentages.
Total filed on the 13F, all lines: $310.4M.
Portfolio Sells Q3 2025 → Q4 2025
| CVX Chevron Corp. | Reduce -12.3% | 2.29% | −0.52 |
| QUAL iShares MSCI USA Quality Fac | Reduce -43.6% | 0.58% | −0.48 |
| ABBV Abbvie Inc. | Reduce -2.1% | 3.83% | −0.36 |
| AVGO Broadcom Inc. | Reduce -2.8% | 7.09% | −0.26 |
| KMB Kimberly-Clark Corp. | Reduce -23.0% | 0.37% | −0.25 |
| LEN Lennar Corp. Class A | Reduce -0.3% | 0.84% | −0.25 |
| SCHD Schwab US DVD Equity ETF | Reduce -44.3% | 0.22% | −0.19 |
| HPQ HP Inc. | Reduce -14.9% | 0.35% | −0.18 |
| PFE Pfizer Inc. | Reduce -72.2% | 0.06% | −0.18 |
| META Meta Platforms Inc. Class A | Reduce -70.1% | 0.05% | −0.15 |
| ABT Abbott Laboratories | Reduce -2.9% | 0.87% | −0.14 |
| UPS United Parcel Service Class B | Reduce -19.4% | 1.31% | −0.14 |
| JPM JPMorgan Chase & Co. | Reduce -0.1% | 3.79% | −0.13 |
| IBIT iShares Bitcoin Trust ETF | Sold out | 0.00% | −0.13 |
| BBY Best Buy Co. Inc. | Reduce -0.9% | 0.57% | −0.12 |
| PEP Pepsico Inc. | Reduce -1.2% | 2.51% | −0.12 |
| ET Energy Transfer LP | Sold out | 0.00% | −0.12 |
| COST Costco Wholesale Corp. | Reduce -2.1% | 0.64% | −0.10 |
| CF CF Industries Holdings Inc. | Reduce -1.8% | 0.41% | −0.10 |
| UNH Unitedhealth Group Inc. | Reduce -0.1% | 0.94% | −0.10 |
| PG The Procter & Gamble Co. | Reduce -0.9% | 0.69% | −0.10 |
| EFG iShares MSCI Eafe Growth ETF | Reduce -73.9% | 0.03% | −0.09 |
| PAYX Paychex Inc. | Reduce -0.0% | 0.45% | −0.09 |
| GLD SPDR Gold Shares | Reduce -46.7% | 0.10% | −0.08 |
| VZ Verizon Communications Inc. | Reduce -78.2% | 0.01% | −0.06 |
| HSY The Hershey Co. | Reduce -0.2% | 0.56% | −0.05 |
| VCRM Vanguard Core Tax-Ex Bond | Reduce -27.3% | 0.10% | −0.04 |
| EFV iShares MSCI Eafe Value ETF | Reduce -3.5% | 0.92% | −0.04 |
| LHX L3HARRIS Technologies Inc. | Reduce -9.7% | 0.14% | −0.03 |
| TXN Texas Instruments Inc. | Reduce -12.9% | 0.11% | −0.03 |
| IBM Intl Business Machines Corp. | Reduce -10.2% | 0.22% | −0.03 |
| UNP Union Pacific Corp. | Reduce -5.4% | 0.19% | −0.03 |
| SCHW Schwab (charles) Corp. | Reduce -11.0% | 0.16% | −0.02 |
| CME Cme Group Inc. | Reduce -4.6% | 0.19% | −0.02 |
| VYM Vanguard High DVD Yield ETF | Reduce -5.8% | 0.17% | −0.02 |
| PNC PNC Financial Services Group | Reduce -6.7% | 0.18% | −0.02 |
| BRK.B Berkshire Hathaway Inc. Class B | Reduce -2.6% | 0.18% | −0.02 |
| NSC Norfolk Southern Corp. | Reduce -0.3% | 0.14% | −0.01 |
| GILD Gilead Sciences Inc. | Reduce -16.7% | 0.06% | −0.01 |
| DGRO iShares Core Dividend Growth | Reduce -4.5% | 0.11% | −0.01 |
| VIG Vanguard Dividend Apprec ETF | Reduce -3.1% | 0.12% | −0.01 |
| FIS Fidelity National Info Serv | Reduce -3.7% | 0.10% | −0.01 |
| TFC Truist Financial Corp. | Reduce -2.8% | 0.30% | −0.00 |
| BNY Bank of New York Mellon Corp. | Reduce -1.0% | 0.40% | −0.00 |
| KLAC KLA Corp. | Reduce -4.6% | 0.40% | +0.01 |
| NEM Newmont Corp. | Reduce -7.9% | 0.70% | +0.02 |
| CSCO Cisco Systems Inc. | Reduce -3.7% | 1.40% | +0.03 |
| LRCX Lam Research Corp. | Reduce -13.3% | 1.79% | +0.08 |
| JNJ Johnson & Johnson | Reduce -1.5% | 2.67% | +0.10 |
| AMAT Applied Materials Inc. | Reduce -1.0% | 1.44% | +0.21 |
Portfolio Buys Q3 2025 → Q4 2025
| IVE iShares S&P 500 Value ETF | Add +40.4% | 1.40% | +0.37 |
| IYE iShares U.S. Energy ETF | New | 0.36% | +0.36 |
| IEMG iShares Core MSCI Emerging | Add +34.2% | 1.18% | +0.27 |
| IYT iShares US Transportation Et | New | 0.26% | +0.26 |
| IYK iShares US Consumer Staples | New | 0.23% | +0.23 |
| MTUM iShares MSCI USA Momentum Fa | Add +80.8% | 0.50% | +0.20 |
| IHE iShares US Pharmaceuticals E | New | 0.17% | +0.17 |
| BMY Bristol-Myers Squibb Co. | Add +2.9% | 1.18% | +0.17 |
| PULS Pgim Ultra Short Bond ETF | Add +17.8% | 1.42% | +0.14 |
| AMGN Amgen Inc. | Add +2.3% | 1.18% | +0.13 |
| IEDI iShares U.S. Consumer Focuse | New | 0.13% | +0.13 |
| DGRW Wisdomtree U.S. Quality Divi | New | 0.11% | +0.11 |
| EPD Enterprise Products Partners | New | 0.10% | +0.10 |
| LLY Eli Lilly & Co. | New | 0.10% | +0.10 |
| DYNF Ishrs US E F R A ETF-Usd Inc. | Add +10.1% | 1.35% | +0.09 |
| IXN iShares Global Tech ETF | New | 0.08% | +0.08 |
| IHI iShares U.S. Medical Devices | New | 0.08% | +0.08 |
| T AT&T Inc. | New | 0.08% | +0.08 |
| DUK Duke Energy Corp. | New | 0.08% | +0.08 |
| VYMI Vanguard Int High DVD YLD Inc. | New | 0.07% | +0.07 |
| GOOGL Alphabet Inc. Class A | New | 0.06% | +0.06 |
| IVV iShares Core S&P 500 ETF | Add +6.4% | 2.01% | +0.06 |
| D Dominion Energy Inc. | Add +50.9% | 0.22% | +0.06 |
| KO The Coca-Cola Co. | New | 0.06% | +0.06 |
| OEF iShares S&P 100 ETF | Add +8.9% | 0.98% | +0.06 |
| XOM Exxon Mobil Corp. | Add +0.9% | 2.99% | +0.06 |
| COF Capital One Financial Corp. | New | 0.05% | +0.05 |
| ETN Eaton Corp. PLC | New | 0.05% | +0.05 |
| VTV Vanguard Mrngstr Val ETF-Aui | New | 0.05% | +0.05 |
| VUG Vanguard Mrngstar GR ETF-Sui | New | 0.05% | +0.05 |
| ELV Elevance Health Inc. | New | 0.05% | +0.05 |
| AEP American Electric Power | New | 0.05% | +0.05 |
| GOVT iShares US Treasury Bond ETF | New | 0.05% | +0.05 |
| IHF iShares U.S. Healthcare Prov | New | 0.04% | +0.04 |
| XLE SS Energy Select Sector | New | 0.04% | +0.04 |
| MCD McDonald's Corp. | New | 0.04% | +0.04 |
| ORCL Oracle Corp. | New | 0.04% | +0.04 |
| IYG iShares U.S. Financial Servi | New | 0.04% | +0.04 |
| IVW iShares S&P 500 Growth ETF | Add +6.5% | 1.27% | +0.04 |
| KNSL Kinsale Capital Group Inc. | New | 0.04% | +0.04 |
| XLV SS Health Care Select Sector | New | 0.04% | +0.04 |
| HON Honeywell International Inc. | New | 0.03% | +0.03 |
| AGG iShares Core U.S. Aggregate | New | 0.03% | +0.03 |
| THRO iShares U.S. Thematic Rotati | Add +10.5% | 0.55% | +0.03 |
| ITB iShares U.S. Home Constructi | New | 0.03% | +0.03 |
| IWY iShares Russell Top 200 Grow | New | 0.03% | +0.03 |
| SCHG Schwab US Large-Cap Growth | New | 0.03% | +0.03 |
| LNC Lincoln National Corp. | New | 0.03% | +0.03 |
| TT Trane Technologies PLC | Add +38.9% | 0.18% | +0.03 |
| LOW Lowe's Cos Inc. | New | 0.03% | +0.03 |
Options Activity Q3 2025 → Q4 2025
| NVS Novartis AG-Sponsored ADR | put | Sold out | 1,000 | $128Kbefore exit |
| LMT Lockheed Martin Corp. | put | Sold out | 200 | $100Kbefore exit |
Calls and puts are listed by the shares they cover; their value is not part of the stock holdings above.
Notes & Other Activity Q3 2025 → Q4 2025
| INTC Intel Corp. | COM | New | 0 | $17 |
| IBDS Ishrs Ibnds Dec 27 Corp. ETF | IBONDS 27 ETF | New | 0 | $8 |
| WY Weyerhaeuser Co. | COM NEW | New | 0 | $8 |
| RSPH Invesco S&P 500 Equal Weight | S&P500 EQL HLT | New | 0 | $1 |
| HYS PIMCO 0-5 Year H/Y Corp. Bond | 0-5 HIGH YIELD | New | 0 | $0 |
Bonds, preferreds, convertibles and warrants; not part of the stock holdings or percentages 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 |