Prepared Retirement Institute LLC
In its 13F for Q3 2025 (holdings as of September 30, 2025, filed October 21, 2025), Prepared Retirement Institute LLC reported 84 stock positions worth $191.8 million. Its top holding was Vanguard Dividend Apprec ETF (VIG) at 12.1% of the portfolio, followed by Schwab US DVD Equity ETF (SCHD, 8.4%) and Fidelity Enh LRG Cap GWTH (FELG, 7.9%). Compared with Q2 2025, it opened 5 new positions, sold out of 7, added to 43 and reduced 27. The biggest buy was Fidelity Enh LRG Cap GWTH (FELG, shares +54%) and the biggest sale SS SPDR P S&P 500 Growth ETF (SPYG, shares −25%).
- Most Recent 13F
- Q2 2026
- Location
- LANSDALE, PA
- CIK
- 0002056037
- Portfolio Value
- $191.8M (Q3 2025)
- SEC Filing
- 0002056037-25-000011 ↗ filed Oct 21, 2025
Holdings Value
Holdings 84 stocks · $191.8M
| VIG Vanguard Dividend Apprec ETF | 12.06% | 107,176 | $23.1M | Add +3.7% |
| SCHD Schwab US DVD Equity ETF | 8.38% | 589,185 | $16.1M | Add +6.7% |
| FELG Fidelity Enh LRG Cap GWTH | 7.90% | 368,617 | $15.2M | Add +54.0% |
| IHDG Wisdomtree International Hed | 6.51% | 270,876 | $12.5M | Add +14.4% |
| CMBS iShares CMBS ETF | 6.24% | 243,784 | $12.0M | Add +55.9% |
| SPYG SS SPDR P S&P 500 Growth ETF | 5.26% | 96,475 | $10.1M | Reduce -25.4% |
| VTI VG Morningstar TS MKT ETF-US | 4.46% | 26,098 | $8.6M | Add +26.2% |
| BND Vanguard Total Bond Market | 4.42% | 114,073 | $8.5M | Add +1.4% |
| VCIT Vanguard Int-Term Corporate | 3.96% | 90,373 | $7.6M | Add +26.0% |
| FALN iShares Fallen Angels ETF | 3.91% | 269,964 | $7.5M | Add +9.4% |
| VB Vanguard Most SM-Cap ETF-Usd | 3.91% | 29,475 | $7.5M | Add +22.2% |
| VOO Vanguard S&P 500 ETF | 3.08% | 9,651 | $5.9M | Add +4.1% |
| DIVI Franklin International Core | 2.60% | 133,508 | $5.0M | Add +16.9% |
| SHY iShares 1-3 Year Treasury Bo | 2.40% | 55,590 | $4.6M | Add +4.0% |
| TRUST FOR PROFESSIONAL MANAG | 1.70% | 150,373 | $3.3M | Reduce -40.4% |
| MSFT Microsoft Corp. | 1.44% | 5,349 | $2.8M | Reduce -0.6% |
| DIVB iShares Core Dividend ETF | 1.20% | 44,182 | $2.3M | Add +16.1% |
| IAGG iShares Intl Aggregate Bond | 1.05% | 39,428 | $2.0M | Add +32.3% |
| PFFD Global X US Preferred ETF | 0.95% | 93,805 | $1.8M | Reduce -21.1% |
| VUG Vanguard Mrngstar GR ETF-Sui | 0.93% | 3,717 | $1.8M | Reduce -21.3% |
| AAPL Apple Inc. | 0.87% | 6,533 | $1.7M | Add +0.4% |
| UDIV Franklin U.S. Core Dividend | 0.85% | 31,287 | $1.6M | Add +103.7% |
| ABBV Abbvie Inc. | 0.75% | 6,216 | $1.4M | Reduce -0.8% |
| ITA iShares U.S. Aerospace & Def | 0.57% | 5,200 | $1.1M | Add +37.1% |
| TEL Te Connectivity PLC | 0.56% | 4,886 | $1.1M | No change |
| RSP Invesco S&P 500 Equal Weight | 0.55% | 5,597 | $1.1M | Reduce -18.1% |
| NVDA Nvidia Corp. | 0.53% | 5,441 | $1.0M | Add +0.8% |
| SPY SS SPDR S&P 500 ETF Trust-US | 0.50% | 1,440 | $959K | Reduce -0.1% |
| IVV iShares Core S&P 500 ETF | 0.49% | 1,408 | $942K | Reduce -30.2% |
| SVAL iShares US Small Cap Val Fac | 0.48% | 27,732 | $929K | Add +19.6% |
| RDVY First Trust Rising Dividend | 0.44% | 12,630 | $849K | Add +17.0% |
| VCSH Vanguard S/T Corp. Bond ETF | 0.44% | 10,626 | $849K | Add +8.5% |
| XOM Exxon Mobil Corp. | 0.43% | 7,389 | $833K | Add +6.7% |
| XLF SS Financial Select Sector | 0.40% | 14,076 | $758K | Reduce -5.6% |
| ORCL Oracle Corp. | 0.35% | 2,392 | $673K | Add +0.0% |
| MRK Merck & Co. Inc. | 0.34% | 7,839 | $658K | Add +8.2% |
| ABT Abbott Laboratories | 0.34% | 4,909 | $658K | No change |
| META Meta Platforms Inc. Class A | 0.34% | 881 | $647K | Reduce -4.7% |
| DGRO iShares Core Dividend Growth | 0.32% | 8,982 | $611K | Reduce -60.9% |
| ALL Allstate Corp. | 0.32% | 2,847 | $611K | Reduce -0.3% |
| JPM JPMorgan Chase & Co. | 0.31% | 1,878 | $592K | Add +3.1% |
| CIBR First Trust Nasdaq Cybersecu | 0.29% | 7,417 | $564K | Add +4.5% |
| SCHB Schwab US Broad Market ETF | 0.29% | 21,555 | $554K | Add +0.2% |
| VXUS Vanguard Total Intl Stock | 0.26% | 6,759 | $497K | Add +70.2% |
| TSLA Tesla Inc. | 0.26% | 1,111 | $494K | No change |
| JNJ Johnson & Johnson | 0.25% | 2,588 | $480K | Add +59.5% |
| GLD SPDR Gold Shares | 0.24% | 1,307 | $465K | Add +11.5% |
| VGK Vanguard Ftse Europe ETF | 0.23% | 5,459 | $436K | Add +11.9% |
| COWZ Pacer US Cash Cows 100 ETF | 0.22% | 7,429 | $427K | Reduce -4.9% |
| AMLP Alerian MLP ETF | 0.22% | 8,825 | $414K | Add +62.9% |
| GOOG Alphabet Inc. Class C | 0.21% | 1,689 | $411K | Reduce -5.6% |
| FVAL Fidelity Value Factor ETF | 0.21% | 5,951 | $410K | Add +0.4% |
| DES Wisdomtree US Smallcap Divid | 0.21% | 12,095 | $407K | Reduce -21.9% |
| VO Vngrd Mrngstr MD-Cap ETF-Usd | 0.20% | 1,332 | $391K | Add +0.1% |
| COF Capital One Financial Corp. | 0.20% | 1,785 | $379K | Reduce -7.5% |
| AMZN Amazon.com Inc. | 0.20% | 1,721 | $378K | Add +22.0% |
| DVY iShares Select Dividend ETF | 0.19% | 2,626 | $373K | New |
| PPL PPL Corp. | 0.18% | 9,485 | $352K | Add +2.5% |
| VXF Vanguard Extended Market ETF | 0.18% | 1,638 | $343K | No change |
| LDOS Leidos Holdings Inc. | 0.18% | 1,802 | $341K | Reduce -11.1% |
| VUSB Vanguard Ultra Short Bond Et | 0.17% | 6,634 | $332K | Add +10.0% |
| WMT Walmart Inc. | 0.17% | 3,149 | $325K | Add +4.7% |
| MS Morgan Stanley | 0.17% | 1,997 | $317K | No change |
| BRK.B Berkshire Hathaway Inc. Class B | 0.16% | 609 | $306K | Add +5.9% |
| IDV iShares International Select | 0.16% | 8,337 | $305K | No change |
| GOOGL Alphabet Inc. Class A | 0.15% | 1,206 | $293K | New |
| GD General Dynamics Corp. | 0.15% | 817 | $279K | Reduce -5.2% |
| CEG Constellation Energy | 0.14% | 843 | $278K | No change |
| IBM Intl Business Machines Corp. filed as INTERNATIONAL BUSINESS MACHS | 0.14% | 975 | $275K | Reduce -8.0% |
| MCD McDonald's Corp. | 0.14% | 895 | $272K | Reduce -3.8% |
| SCHG Schwab US Large-Cap Growth | 0.14% | 8,441 | $269K | Add +11.5% |
| FLOT iShares Floating Rate Bond E | 0.14% | 5,235 | $267K | Reduce -27.8% |
| DGRW Wisdomtree U.S. Quality Divi | 0.13% | 2,896 | $258K | No change |
| CAH Cardinal Health Inc. | 0.13% | 1,550 | $243K | Reduce -15.0% |
| FDHY Fidelity Enh Hi YLD ETF | 0.12% | 4,839 | $239K | Add +1.7% |
| LMT Lockheed Martin Corp. | 0.12% | 460 | $230K | No change |
| CGBL Cap Group Core Balanced filed as CAPITAL GROUP CORE BALANCED | 0.12% | 6,545 | $227K | Reduce -31.3% |
| NXTG First Trust Indxx Nextg ETF | 0.12% | 2,145 | $222K | Add +0.2% |
| SLV iShares Silver Trust | 0.12% | 5,240 | $222K | New |
| ABNB Airbnb Inc. Class A | 0.11% | 1,686 | $205K | Reduce -4.5% |
| NFLX Netflix Inc. | 0.11% | 170 | $204K | Reduce -19.1% |
| CMCSA Comcast Corp. Class A | 0.11% | 6,426 | $202K | Reduce -2.3% |
| CVX Chevron Corp. | 0.11% | 1,299 | $202K | New |
| VYM Vanguard High DVD Yield ETF | 0.10% | 1,430 | $202K | New |
Portfolio Sells Q2 2025 → Q3 2025
| SPYG SS SPDR P S&P 500 Growth ETF | Reduce -25.4% | 5.26% | −2.01 |
| TRUST FOR PROFESSIONAL MANAG | Reduce -40.4% | 1.70% | −1.49 |
| DGRO iShares Core Dividend Growth | Reduce -60.9% | 0.32% | −0.55 |
| PFFD Global X US Preferred ETF | Reduce -21.1% | 0.95% | −0.37 |
| VUG Vanguard Mrngstar GR ETF-Sui | Reduce -21.3% | 0.93% | −0.29 |
| ANGL Vaneck Fallen Angel High YLD | Sold out | 0.00% | −0.29 |
| APD Air Products & Chemicals Inc. | Sold out | 0.00% | −0.27 |
| IVV iShares Core S&P 500 ETF | Reduce -30.2% | 0.49% | −0.25 |
| SCHA Schwab US Small-Cap ETF | Sold out | 0.00% | −0.19 |
| RSP Invesco S&P 500 Equal Weight | Reduce -18.1% | 0.55% | −0.18 |
| DEED First Trust Securitized Plus | Sold out | 0.00% | −0.16 |
| IXUS iShares Core Intl Stock ETF | Sold out | 0.00% | −0.13 |
| MSFT Microsoft Corp. | Reduce -0.6% | 1.44% | −0.13 |
| IWF iShares Russell 1000 Growth | Sold out | 0.00% | −0.13 |
| VZ Verizon Communications Inc. | Sold out | 0.00% | −0.12 |
| FLOT iShares Floating Rate Bond E | Reduce -27.8% | 0.14% | −0.08 |
| DES Wisdomtree US Smallcap Divid | Reduce -21.9% | 0.21% | −0.08 |
| CGBL Cap Group Core Balanced | Reduce -31.3% | 0.12% | −0.07 |
| META Meta Platforms Inc. Class A | Reduce -4.7% | 0.34% | −0.06 |
| XLF SS Financial Select Sector | Reduce -5.6% | 0.40% | −0.06 |
| NFLX Netflix Inc. | Reduce -19.1% | 0.11% | −0.06 |
| CAH Cardinal Health Inc. | Reduce -15.0% | 0.13% | −0.05 |
| COF Capital One Financial Corp. | Reduce -7.5% | 0.20% | −0.04 |
| IBM Intl Business Machines Corp. | Reduce -8.0% | 0.14% | −0.04 |
| CMCSA Comcast Corp. Class A | Reduce -2.3% | 0.11% | −0.03 |
| COWZ Pacer US Cash Cows 100 ETF | Reduce -4.9% | 0.22% | −0.03 |
| ABNB Airbnb Inc. Class A | Reduce -4.5% | 0.11% | −0.03 |
| SPY SS SPDR S&P 500 ETF Trust-US | Reduce -0.1% | 0.50% | −0.02 |
| ALL Allstate Corp. | Reduce -0.3% | 0.32% | −0.02 |
| MCD McDonald's Corp. | Reduce -3.8% | 0.14% | −0.02 |
| LDOS Leidos Holdings Inc. | Reduce -11.1% | 0.18% | −0.01 |
| GD General Dynamics Corp. | Reduce -5.2% | 0.15% | −0.00 |
| GOOG Alphabet Inc. Class C | Reduce -5.6% | 0.21% | +0.03 |
| ABBV Abbvie Inc. | Reduce -0.8% | 0.75% | +0.06 |
Portfolio Buys Q2 2025 → Q3 2025
| FELG Fidelity Enh LRG Cap GWTH | Add +54.0% | 7.90% | +2.68 |
| CMBS iShares CMBS ETF | Add +55.9% | 6.24% | +1.75 |
| VTI VG Morningstar TS MKT ETF-US | Add +26.2% | 4.46% | +0.76 |
| VB Vanguard Most SM-Cap ETF-Usd | Add +22.2% | 3.91% | +0.54 |
| VCIT Vanguard Int-Term Corporate | Add +26.0% | 3.96% | +0.46 |
| UDIV Franklin U.S. Core Dividend | Add +103.7% | 0.85% | +0.42 |
| IHDG Wisdomtree International Hed | Add +14.4% | 6.51% | +0.22 |
| DIVI Franklin International Core | Add +16.9% | 2.60% | +0.20 |
| DVY iShares Select Dividend ETF | New | 0.19% | +0.19 |
| IAGG iShares Intl Aggregate Bond | Add +32.3% | 1.05% | +0.16 |
| GOOGL Alphabet Inc. Class A | New | 0.15% | +0.15 |
| ITA iShares U.S. Aerospace & Def | Add +37.1% | 0.57% | +0.15 |
| SLV iShares Silver Trust | New | 0.12% | +0.12 |
| CVX Chevron Corp. | New | 0.11% | +0.11 |
| VYM Vanguard High DVD Yield ETF | New | 0.10% | +0.10 |
| JNJ Johnson & Johnson | Add +59.5% | 0.25% | +0.10 |
| VXUS Vanguard Total Intl Stock | Add +70.2% | 0.26% | +0.10 |
| AAPL Apple Inc. | Add +0.4% | 0.87% | +0.08 |
| DIVB iShares Core Dividend ETF | Add +16.1% | 1.20% | +0.08 |
| SVAL iShares US Small Cap Val Fac | Add +19.6% | 0.48% | +0.06 |
| AMLP Alerian MLP ETF | Add +62.9% | 0.22% | +0.06 |
| RDVY First Trust Rising Dividend | Add +17.0% | 0.44% | +0.04 |
| ORCL Oracle Corp. | Add +0.0% | 0.35% | +0.04 |
| GLD SPDR Gold Shares | Add +11.5% | 0.24% | +0.03 |
| NVDA Nvidia Corp. | Add +0.8% | 0.53% | +0.03 |
| AMZN Amazon.com Inc. | Add +22.0% | 0.20% | +0.01 |
| SCHG Schwab US Large-Cap Growth | Add +11.5% | 0.14% | +0.01 |
| MRK Merck & Co. Inc. | Add +8.2% | 0.34% | +0.01 |
| VGK Vanguard Ftse Europe ETF | Add +11.9% | 0.23% | +0.00 |
| PPL PPL Corp. | Add +2.5% | 0.18% | −0.00 |
| JPM JPMorgan Chase & Co. | Add +3.1% | 0.31% | −0.00 |
| WMT Walmart Inc. | Add +4.7% | 0.17% | −0.00 |
| VUSB Vanguard Ultra Short Bond Et | Add +10.0% | 0.17% | −0.00 |
| BRK.B Berkshire Hathaway Inc. Class B | Add +5.9% | 0.16% | −0.01 |
| XOM Exxon Mobil Corp. | Add +6.7% | 0.43% | −0.01 |
| NXTG First Trust Indxx Nextg ETF | Add +0.2% | 0.12% | −0.01 |
| FVAL Fidelity Value Factor ETF | Add +0.4% | 0.21% | −0.01 |
| FDHY Fidelity Enh Hi YLD ETF | Add +1.7% | 0.12% | −0.01 |
| SCHB Schwab US Broad Market ETF | Add +0.2% | 0.29% | −0.01 |
| VO Vngrd Mrngstr MD-Cap ETF-Usd | Add +0.1% | 0.20% | −0.02 |
| VCSH Vanguard S/T Corp. Bond ETF | Add +8.5% | 0.44% | −0.02 |
| VOO Vanguard S&P 500 ETF | Add +4.1% | 3.08% | −0.02 |
| CIBR First Trust Nasdaq Cybersecu | Add +4.5% | 0.29% | −0.02 |
| FALN iShares Fallen Angels ETF | Add +9.4% | 3.91% | −0.04 |
| SHY iShares 1-3 Year Treasury Bo | Add +4.0% | 2.40% | −0.21 |
| SCHD Schwab US DVD Equity ETF | Add +6.7% | 8.38% | −0.23 |
| VIG Vanguard Dividend Apprec ETF | Add +3.7% | 12.06% | −0.41 |
| BND Vanguard Total Bond Market | Add +1.4% | 4.42% | −0.46 |
All Filings
| Quarter | Positions | 13F Reported Value | Top Holdings |
|---|---|---|---|
| Q2 2026 | 94 | $234.9M | VIG, SCHD, FELG, VTI, IHDG |
| Q1 2026Amended | 79 | $201.5M | VIG, SCHD, FELG, IHDG, CMBS |
| Q4 2025 | 80 | $198.7M | VIG, SCHD, FELG, IHDG, CMBS |
| Q3 2025 | 84 | $191.8M | VIG, SCHD, FELG, IHDG, CMBS |
| Q2 2025 | 86 | $169.7M | VIG, SCHD, SPYG, IHDG, FELG |
| Q1 2025 | 85 | $156.7M | VIG, SCHD, SPYG, IHDG, BND |
| Q4 2024 | 79 | $175.2M | VIG, SPYG, SCHD, IHDG, BND |
| Q3 2024 | 80 | $165.2M | VIG, SPYG, SCHD, IHDG, BND |
| Q2 2024 | 81 | $150.9M | VIG, SPYG, SCHD, IHDG, TRUST FOR PROFESSIONAL MANAG |
| Q1 2024 | 70 | $134.0M | VIG, SCHD, SPYG, IHDG, TRUST FOR PROFESSIONAL MANAG |