Prepared Retirement Institute LLC
In its 13F for Q4 2025 (holdings as of December 31, 2025, filed January 29, 2026), Prepared Retirement Institute LLC reported 80 stock positions worth $198.7 million. Its top holding was Vanguard Dividend Apprec ETF (VIG) at 12.5% of the portfolio, followed by Schwab US DVD Equity ETF (SCHD, 8.1%) and Fidelity Enh LRG Cap GWTH (FELG, 7.9%). Compared with Q3 2025, it opened 1 new position, sold out of 5, added to 38 and reduced 26. The biggest buy was VG Morningstar TS MKT ETF-US (VTI, shares +15%) and the biggest sale Trust for Professional Manag (shares −20%).
- Most Recent 13F
- Q2 2026
- Location
- LANSDALE, PA
- CIK
- 0002056037
- Portfolio Value
- $198.7M (Q4 2025)
- SEC Filing
- 0002056037-26-000001 ↗ filed Jan 29, 2026
Holdings Value
Holdings 80 stocks · $198.7M
| VIG Vanguard Dividend Apprec ETF | 12.52% | 113,216 | $24.9M | Add +5.6% |
| SCHD Schwab US DVD Equity ETF | 8.06% | 584,075 | $16.0M | Reduce -0.9% |
| FELG Fidelity Enh LRG Cap GWTH | 7.87% | 374,809 | $15.6M | Add +1.7% |
| IHDG Wisdomtree International Hed | 6.65% | 271,443 | $13.2M | Add +0.2% |
| CMBS iShares CMBS ETF | 5.94% | 240,678 | $11.8M | Reduce -1.3% |
| VTI VG Morningstar TS MKT ETF-US | 5.07% | 30,052 | $10.1M | Add +15.2% |
| SPYG SS SPDR P S&P 500 Growth ETF | 5.05% | 94,117 | $10.0M | Reduce -2.4% |
| BND Vanguard Total Bond Market | 4.37% | 117,352 | $8.7M | Add +2.9% |
| VCIT Vanguard Int-Term Corporate | 4.24% | 100,608 | $8.4M | Add +11.3% |
| VB Vanguard Most SM-Cap ETF-Usd | 3.73% | 28,706 | $7.4M | Reduce -2.6% |
| FALN iShares Fallen Angels ETF | 3.69% | 268,833 | $7.3M | Reduce -0.4% |
| DIVI Franklin International Core | 2.98% | 152,053 | $5.9M | Add +13.9% |
| VOO Vanguard S&P 500 ETF | 2.84% | 9,010 | $5.7M | Reduce -6.6% |
| SHY iShares 1-3 Year Treasury Bo | 2.26% | 54,214 | $4.5M | Reduce -2.5% |
| DIVB iShares Core Dividend ETF | 1.45% | 54,255 | $2.9M | Add +22.8% |
| MSFT Microsoft Corp. | 1.29% | 5,292 | $2.6M | Reduce -1.1% |
| IAGG iShares Intl Aggregate Bond | 1.18% | 46,982 | $2.3M | Add +19.2% |
| TRUST FOR PROFESSIONAL MANAG | 1.16% | 120,847 | $2.3M | Reduce -19.6% |
| VUG Vanguard Mrngstar GR ETF-Sui | 0.92% | 3,739 | $1.8M | Add +0.6% |
| PFFD Global X US Preferred ETF | 0.90% | 94,952 | $1.8M | Add +1.2% |
| AAPL Apple Inc. | 0.89% | 6,530 | $1.8M | Reduce -0.1% |
| UDIV Franklin U.S. Core Dividend | 0.85% | 31,645 | $1.7M | Add +1.1% |
| ITA iShares U.S. Aerospace & Def | 0.72% | 6,675 | $1.4M | Add +28.4% |
| ABBV Abbvie Inc. | 0.71% | 6,156 | $1.4M | Reduce -1.0% |
| SVAL iShares US Small Cap Val Fac | 0.63% | 36,225 | $1.2M | Add +30.6% |
| TEL Te Connectivity PLC | 0.56% | 4,886 | $1.1M | No change |
| NVDA Nvidia Corp. | 0.51% | 5,442 | $1.0M | Add +0.0% |
| SPY SS SPDR S&P 500 ETF Trust-US | 0.49% | 1,428 | $974K | Reduce -0.8% |
| IVV iShares Core S&P 500 ETF | 0.48% | 1,401 | $960K | Reduce -0.5% |
| XOM Exxon Mobil Corp. | 0.45% | 7,373 | $887K | Reduce -0.2% |
| RDVY First Trust Rising Dividend | 0.44% | 12,652 | $879K | Add +0.2% |
| VCSH Vanguard S/T Corp. Bond ETF | 0.43% | 10,752 | $857K | Add +1.2% |
| DVY iShares Select Dividend ETF | 0.43% | 5,987 | $845K | Add +128.0% |
| MRK Merck & Co. Inc. | 0.41% | 7,769 | $818K | Reduce -0.9% |
| XLF SS Financial Select Sector | 0.40% | 14,345 | $786K | Add +1.9% |
| RSP Invesco S&P 500 Equal Weight | 0.38% | 3,923 | $752K | Reduce -29.9% |
| CIBR First Trust Nasdaq Cybersecu | 0.36% | 10,072 | $720K | Add +35.8% |
| JPM JPMorgan Chase & Co. | 0.32% | 1,946 | $627K | Add +3.6% |
| ABT Abbott Laboratories | 0.31% | 4,909 | $615K | No change |
| ALL Allstate Corp. | 0.30% | 2,847 | $593K | No change |
| DGRO iShares Core Dividend Growth | 0.30% | 8,529 | $592K | Reduce -5.0% |
| SCHB Schwab US Broad Market ETF | 0.29% | 21,629 | $567K | Add +0.3% |
| JNJ Johnson & Johnson | 0.28% | 2,666 | $552K | Add +3.0% |
| VXUS Vanguard Total Intl Stock | 0.28% | 7,314 | $552K | Add +8.2% |
| META Meta Platforms Inc. Class A | 0.28% | 832 | $549K | Reduce -5.6% |
| GOOG Alphabet Inc. Class C | 0.27% | 1,689 | $530K | No change |
| GLD SPDR Gold Shares | 0.26% | 1,328 | $526K | Add +1.6% |
| CGBL Cap Group Core Balanced filed as CAPITAL GROUP CORE BALANCED | 0.25% | 14,186 | $501K | Add +116.8% |
| TSLA Tesla Inc. | 0.25% | 1,111 | $500K | No change |
| VGK Vanguard Ftse Europe ETF | 0.24% | 5,633 | $471K | Add +3.2% |
| ORCL Oracle Corp. | 0.23% | 2,392 | $466K | No change |
| SLV iShares Silver Trust | 0.23% | 7,150 | $461K | Add +36.5% |
| COWZ Pacer US Cash Cows 100 ETF | 0.23% | 7,429 | $447K | No change |
| COF Capital One Financial Corp. | 0.22% | 1,785 | $433K | No change |
| FVAL Fidelity Value Factor ETF | 0.22% | 5,982 | $432K | Add +0.5% |
| AMLP Alerian MLP ETF | 0.21% | 8,853 | $416K | Add +0.3% |
| AMZN Amazon.com Inc. | 0.20% | 1,721 | $397K | No change |
| DES Wisdomtree US Smallcap Divid | 0.20% | 11,872 | $397K | Reduce -1.8% |
| WMT Walmart Inc. | 0.20% | 3,519 | $392K | Add +11.8% |
| VO Vngrd Mrngstr MD-Cap ETF-Usd | 0.19% | 1,333 | $387K | Add +0.1% |
| GOOGL Alphabet Inc. Class A | 0.19% | 1,200 | $376K | Reduce -0.5% |
| CEG Constellation Energy | 0.18% | 1,028 | $363K | Add +21.9% |
| MS Morgan Stanley | 0.18% | 1,997 | $355K | No change |
| VXF Vanguard Extended Market ETF | 0.17% | 1,638 | $343K | No change |
| VUSB Vanguard Ultra Short Bond Et | 0.17% | 6,634 | $331K | No change |
| PPL PPL Corp. | 0.17% | 9,418 | $330K | Reduce -0.7% |
| IBM Intl Business Machines Corp. filed as INTERNATIONAL BUSINESS MACHS | 0.17% | 1,109 | $329K | Add +13.7% |
| LDOS Leidos Holdings Inc. | 0.16% | 1,802 | $325K | No change |
| CAH Cardinal Health Inc. | 0.16% | 1,551 | $319K | Add +0.1% |
| IDV iShares International Select | 0.16% | 7,932 | $313K | Reduce -4.9% |
| BRK.B Berkshire Hathaway Inc. Class B | 0.15% | 611 | $307K | Add +0.3% |
| SCHG Schwab US Large-Cap Growth | 0.14% | 8,419 | $275K | Reduce -0.3% |
| MCD McDonald's Corp. | 0.14% | 887 | $271K | Reduce -0.9% |
| DGRW Wisdomtree U.S. Quality Divi | 0.13% | 2,896 | $259K | No change |
| FDHY Fidelity Enh Hi YLD ETF | 0.12% | 4,914 | $242K | Add +1.6% |
| GD General Dynamics Corp. | 0.12% | 715 | $241K | Reduce -12.5% |
| NXTG First Trust Indxx Nextg ETF | 0.12% | 2,150 | $232K | Add +0.2% |
| FLOT iShares Floating Rate Bond E | 0.11% | 4,449 | $226K | Reduce -15.0% |
| LMT Lockheed Martin Corp. | 0.11% | 460 | $222K | No change |
| DIA SS SPDR Dow Jones Indus Avg filed as SPDR DOW JONES INDL AVERAGE | 0.10% | 430 | $207K | New |
Portfolio Sells Q3 2025 → Q4 2025
| TRUST FOR PROFESSIONAL MANAG | Reduce -19.6% | 1.16% | −0.54 |
| SCHD Schwab US DVD Equity ETF | Reduce -0.9% | 8.06% | −0.32 |
| CMBS iShares CMBS ETF | Reduce -1.3% | 5.94% | −0.29 |
| VOO Vanguard S&P 500 ETF | Reduce -6.6% | 2.84% | −0.24 |
| FALN iShares Fallen Angels ETF | Reduce -0.4% | 3.69% | −0.22 |
| SPYG SS SPDR P S&P 500 Growth ETF | Reduce -2.4% | 5.05% | −0.20 |
| VB Vanguard Most SM-Cap ETF-Usd | Reduce -2.6% | 3.73% | −0.18 |
| RSP Invesco S&P 500 Equal Weight | Reduce -29.9% | 0.38% | −0.18 |
| MSFT Microsoft Corp. | Reduce -1.1% | 1.29% | −0.16 |
| SHY iShares 1-3 Year Treasury Bo | Reduce -2.5% | 2.26% | −0.14 |
| ABNB Airbnb Inc. Class A | Sold out | 0.00% | −0.11 |
| NFLX Netflix Inc. | Sold out | 0.00% | −0.11 |
| CMCSA Comcast Corp. Class A | Sold out | 0.00% | −0.11 |
| CVX Chevron Corp. | Sold out | 0.00% | −0.11 |
| VYM Vanguard High DVD Yield ETF | Sold out | 0.00% | −0.10 |
| META Meta Platforms Inc. Class A | Reduce -5.6% | 0.28% | −0.06 |
| ABBV Abbvie Inc. | Reduce -1.0% | 0.71% | −0.04 |
| FLOT iShares Floating Rate Bond E | Reduce -15.0% | 0.11% | −0.03 |
| GD General Dynamics Corp. | Reduce -12.5% | 0.12% | −0.02 |
| DGRO iShares Core Dividend Growth | Reduce -5.0% | 0.30% | −0.02 |
| PPL PPL Corp. | Reduce -0.7% | 0.17% | −0.02 |
| DES Wisdomtree US Smallcap Divid | Reduce -1.8% | 0.20% | −0.01 |
| SPY SS SPDR S&P 500 ETF Trust-US | Reduce -0.8% | 0.49% | −0.01 |
| IVV iShares Core S&P 500 ETF | Reduce -0.5% | 0.48% | −0.01 |
| MCD McDonald's Corp. | Reduce -0.9% | 0.14% | −0.01 |
| SCHG Schwab US Large-Cap Growth | Reduce -0.3% | 0.14% | −0.00 |
| IDV iShares International Select | Reduce -4.9% | 0.16% | −0.00 |
| XOM Exxon Mobil Corp. | Reduce -0.2% | 0.45% | +0.01 |
| AAPL Apple Inc. | Reduce -0.1% | 0.89% | +0.03 |
| GOOGL Alphabet Inc. Class A | Reduce -0.5% | 0.19% | +0.04 |
| MRK Merck & Co. Inc. | Reduce -0.9% | 0.41% | +0.07 |
Portfolio Buys Q3 2025 → Q4 2025
| VTI VG Morningstar TS MKT ETF-US | Add +15.2% | 5.07% | +0.61 |
| VIG Vanguard Dividend Apprec ETF | Add +5.6% | 12.52% | +0.47 |
| DIVI Franklin International Core | Add +13.9% | 2.98% | +0.38 |
| VCIT Vanguard Int-Term Corporate | Add +11.3% | 4.24% | +0.28 |
| DIVB iShares Core Dividend ETF | Add +22.8% | 1.45% | +0.25 |
| DVY iShares Select Dividend ETF | Add +128.0% | 0.43% | +0.23 |
| ITA iShares U.S. Aerospace & Def | Add +28.4% | 0.72% | +0.15 |
| SVAL iShares US Small Cap Val Fac | Add +30.6% | 0.63% | +0.14 |
| IHDG Wisdomtree International Hed | Add +0.2% | 6.65% | +0.14 |
| CGBL Cap Group Core Balanced | Add +116.8% | 0.25% | +0.13 |
| IAGG iShares Intl Aggregate Bond | Add +19.2% | 1.18% | +0.13 |
| SLV iShares Silver Trust | Add +36.5% | 0.23% | +0.12 |
| DIA SS SPDR Dow Jones Indus Avg | New | 0.10% | +0.10 |
| CIBR First Trust Nasdaq Cybersecu | Add +35.8% | 0.36% | +0.07 |
| CEG Constellation Energy | Add +21.9% | 0.18% | +0.04 |
| CAH Cardinal Health Inc. | Add +0.1% | 0.16% | +0.03 |
| WMT Walmart Inc. | Add +11.8% | 0.20% | +0.03 |
| JNJ Johnson & Johnson | Add +3.0% | 0.28% | +0.03 |
| GLD SPDR Gold Shares | Add +1.6% | 0.26% | +0.02 |
| IBM Intl Business Machines Corp. | Add +13.7% | 0.17% | +0.02 |
| VXUS Vanguard Total Intl Stock | Add +8.2% | 0.28% | +0.02 |
| VGK Vanguard Ftse Europe ETF | Add +3.2% | 0.24% | +0.01 |
| JPM JPMorgan Chase & Co. | Add +3.6% | 0.32% | +0.01 |
| FVAL Fidelity Value Factor ETF | Add +0.5% | 0.22% | +0.00 |
| NXTG First Trust Indxx Nextg ETF | Add +0.2% | 0.12% | +0.00 |
| XLF SS Financial Select Sector | Add +1.9% | 0.40% | +0.00 |
| RDVY First Trust Rising Dividend | Add +0.2% | 0.44% | −0.00 |
| FDHY Fidelity Enh Hi YLD ETF | Add +1.6% | 0.12% | −0.00 |
| SCHB Schwab US Broad Market ETF | Add +0.3% | 0.29% | −0.00 |
| BRK.B Berkshire Hathaway Inc. Class B | Add +0.3% | 0.15% | −0.01 |
| AMLP Alerian MLP ETF | Add +0.3% | 0.21% | −0.01 |
| UDIV Franklin U.S. Core Dividend | Add +1.1% | 0.85% | −0.01 |
| VO Vngrd Mrngstr MD-Cap ETF-Usd | Add +0.1% | 0.19% | −0.01 |
| VUG Vanguard Mrngstar GR ETF-Sui | Add +0.6% | 0.92% | −0.01 |
| VCSH Vanguard S/T Corp. Bond ETF | Add +1.2% | 0.43% | −0.01 |
| NVDA Nvidia Corp. | Add +0.0% | 0.51% | −0.02 |
| FELG Fidelity Enh LRG Cap GWTH | Add +1.7% | 7.87% | −0.04 |
| PFFD Global X US Preferred ETF | Add +1.2% | 0.90% | −0.05 |
| BND Vanguard Total Bond Market | Add +2.9% | 4.37% | −0.05 |
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 |