Red Tortoise LLC

In its 13F for Q3 2024 (holdings as of September 30, 2024, filed October 28, 2024), Red Tortoise LLC reported 564 stock positions worth $198.6 million. Its top holding was Schwab Intl Equity ETF (SCHF) at 11.7% of the portfolio, followed by Schwab Fndmn Intl LRG Co. ETF (FNDF, 7.5%) and iShares Core S&P 500 ETF (IVV, 5.9%). Compared with Q2 2024, it opened 4 new positions, sold out of 13, added to 83 and reduced 23. The biggest buy was Schwab Intl Equity ETF (SCHF, shares +5%) and the biggest sale iShares Core S&P 500 ETF (IVV, shares −2%).

Most Recent 13F
Q1 2026
Location
ATLANTA, GA
CIK
0001910488
Portfolio Value
$198.6M (Q3 2024)
SEC Filing
0001910488-24-000004 ↗ filed Oct 28, 2024

Holdings Value

0$50.0M$100.0M$150.0M$200.0M$250.0M Q1 2024: $179.1M Q1 2024 Q2 2024: $183.4M Q2 2024 Q3 2024: $198.6M $198.6M Q3 2024 Q4 2024: $190.7M Q4 2024 Q1 2025: $191.7M Q1 2025 Q2 2025: $204.8M Q2 2025 Q3 2025: $228.0M Q3 2025 Q4 2025: $232.9M Q4 2025 Q1 2026: $238.1M Q1 2026

Holdings 564 stocks · $198.6M
SCHF Schwab Intl Equity ETF 11.66% 563,311 $23.2M Add +5.3%
FNDF Schwab Fndmn Intl LRG Co. ETF 7.51% 398,876 $14.9M Add +1.8%
IVV iShares Core S&P 500 ETF 5.85% 20,141 $11.6M Reduce -2.2%
VGLT Vanguard Long-Term Treasury 5.10% 164,597 $10.1M Add +6.7%
SCHE Schwab Emrg Mrkts Eqty ETF 4.94% 335,965 $9.8M Reduce -2.3%
SCHX Schwab US Large-Cap ETF 3.98% 116,410 $7.9M Add +2.0%
IEFA iShares Core MSCI Eafe ETF 3.73% 94,797 $7.4M Add +1.4%
QUAL iShares MSCI USA Quality Fac 3.57% 39,566 $7.1M Add +0.3%
VTV Vanguard Mrngstr Val ETF-Aui 2.90% 33,030 $5.8M Add +2.7%
IWD iShares Russell 1000 Value E 2.81% 29,442 $5.6M Add +0.5%
FNDX Schwab Fndmntl US LRG Co. ETF 2.67% 73,965 $5.3M Add +0.9%
DGRO iShares Core Dividend Growth 2.32% 73,406 $4.6M Add +0.7%
SCHO Schwab Short-Term US Treas 2.28% 92,251 $4.5M Add +5.0%
SPYV SS SPDR P S&P 500 Value ETF 1.94% 72,964 $3.9M Add +0.9%
SCHP Schwab U.S. Tips ETF 1.66% 61,325 $3.3M Add +0.9%
IWB iShares Russell 1000 ETF 1.37% 8,653 $2.7M Add +0.3%
SCHB Schwab US Broad Market ETF 1.36% 40,502 $2.7M Add +5.2%
SPTL SS SPDR PF LNG TRM TSY E-Usd 1.30% 88,841 $2.6M Add +0.4%
ACWX iShares MSCI Acwi Ex US ETF 1.30% 45,072 $2.6M No change
VWO Vanguard Ftse Emerging Marke 1.26% 52,294 $2.5M Reduce -0.2%
IEMG iShares Core MSCI Emerging 1.13% 38,983 $2.2M Reduce -0.4%
PXF Invesco Rafi Developed Marke 1.02% 38,824 $2.0M Add +0.4%
QDEF NT Qual Div Def ETF 1.01% 28,038 $2.0M Add +0.5%
VEA Vanguard Ftse Developed ETF 0.98% 36,958 $2.0M Reduce -0.3%
FNDE Schwab Fndmntl Em MRK Eq ETF 0.96% 58,845 $1.9M Add +0.7%
MSFT Microsoft Corp. 0.93% 4,314 $1.9M Add +0.6%
HD Home Depot Inc. 0.88% 4,315 $1.7M Reduce -5.8%
IWM iShares Russell 2000 ETF 0.88% 7,885 $1.7M Add +3.8%
VYM Vanguard High DVD Yield ETF 0.85% 13,111 $1.7M Reduce -1.2%
SCHZ Schwab US Aggregate Bond ETF 0.78% 32,770 $1.6M Add +0.7%
VBR Vngrd Mrngst SL-CP Val ETF-U 0.76% 7,482 $1.5M Add +3.8%
DFUS Dimensional US Eq MKT ETF 0.72% 23,070 $1.4M Add +0.1%
AGG iShares Core U.S. Aggregate 0.70% 13,647 $1.4M Add +0.9%
AAPL Apple Inc. 0.68% 5,828 $1.4M No change
BND Vanguard Total Bond Market 0.67% 17,647 $1.3M Reduce -12.2%
QDF NT Qual Div ETF 0.66% 18,221 $1.3M Add +0.5%
EEM iShares MSCI Emerging Market 0.65% 28,111 $1.3M Reduce -1.5%
VGSH Vanguard Short-Term Treasury 0.64% 21,545 $1.3M Add +0.8%
SCHK Schwab 1000 Index ETF 0.62% 22,402 $1.2M Add +0.4%
IQDF NT Intl Qual Div ETF 0.59% 44,340 $1.2M Add +0.8%
EFA iShares MSCI Eafe ETF 0.57% 13,654 $1.1M Reduce -0.8%
SPY SS SPDR S&P 500 ETF Trust-US 0.55% 1,906 $1.1M Add +7.3%
FNDB Schwab Fndmntl US BRD Mr ETF 0.54% 15,371 $1.1M Add +0.8%
SCHA Schwab US Small-Cap ETF 0.54% 20,874 $1.1M Add +0.3%
VEU Vanguard Ftse All-World Ex-U 0.49% 15,331 $966K Add +0.4%
AMZN Amazon.com Inc. 0.43% 4,598 $857K No change
SLYV SS SPDR S&P 600 SC Val ETF 0.40% 9,087 $789K Reduce -1.0%
GOOGL Alphabet Inc. Class A 0.39% 4,626 $767K No change
DFUV Dimensional US Marketwide Va 0.37% 17,856 $744K No change
ORCL Oracle Corp. 0.37% 4,309 $734K No change
XAR SS SPDR S&P Aerospace Def 0.36% 4,566 $718K Add +0.1%
PXH Inves Rafi Emer MRKT-Usd Inc. 0.32% 28,530 $626K Add +1.4%
IWP iShares Russell Mid-Cap Grow 0.31% 5,310 $623K Reduce -0.1%
VTEB Vanguard Tax-Exempt Bond ETF 0.31% 12,058 $616K Add +13.3%
SUB iShares Short-Term National 0.31% 5,751 $611K Add +12.4%
AEM Agnico Eagle Mines Ltd. 0.29% 7,269 $586K No change
ILCB iShares Morningstar U.S. Equ 0.29% 7,315 $580K No change
IWS iShares Russell Mid-Cap Valu 0.29% 4,342 $574K Reduce -0.8%
VIG Vanguard Dividend Apprec ETF 0.27% 2,688 $532K Add +0.3%
ILCG iShares Morningstar Growth E 0.26% 6,074 $510K No change
DVY iShares Select Dividend ETF 0.25% 3,627 $490K Add +0.1%
PG The Procter & Gamble Co. 0.24% 2,794 $484K No change
GOOG Alphabet Inc. Class C 0.24% 2,840 $475K No change
EFV iShares MSCI Eafe Value ETF 0.22% 7,660 $441K No change
VONE Vanguard Russell 1000 0.18% 1,365 $355K Add +0.2%
VTI VG Morningstar TS MKT ETF-US 0.17% 1,177 $333K Reduce -2.6%
VTWO Vanguard Russell 2000 ETF 0.16% 3,461 $309K Add +0.2%
VCR Vanguard Consumer Discre ETF 0.14% 819 $279K Reduce -0.1%
DFIV Dimensional International Va 0.14% 7,288 $278K No change
IWO iShares Russell 2000 Growth 0.13% 892 $253K Reduce -0.3%
DFSI Dimensional Int Sus COR1 ETF 0.11% 6,175 $221K Add +0.3%
EMB iShares JP Morgan Usd Emergi 0.10% 2,217 $207K Reduce -1.1%
JNJ Johnson & Johnson 0.10% 1,257 $204K Reduce -2.3%
FNDA Schwab Fndmntl US SM Co. ETF 0.10% 3,355 $200K Add +0.7%
TIP iShares Tips Bond ETF 0.10% 1,794 $198K Add +0.5%
SCZ iShares MSCI Eafe Small-Cap 0.10% 2,926 $198K No change
BSV Vanguard Short-Term Bond ETF 0.10% 2,500 $197K Add +0.8%
META Meta Platforms Inc. Class A 0.10% 337 $193K No change
IJR iShares Core S&P Small-Cap E 0.09% 1,545 $181K No change
DFAT Dimensional US Target Value 0.09% 3,175 $177K No change
DFSU Dimensional US Sus CORE1 ETF 0.09% 4,750 $177K Add +0.3%
DFAS Dimensional US Small Cap ETF 0.09% 2,689 $174K No change
URA Global X Uranium ETF 0.09% 6,060 $173K No change
BRK.B Berkshire Hathaway Inc. Class B 0.09% 376 $173K No change
IWN iShares Russell 2000 Value E 0.09% 1,030 $172K Add +0.5%
SCHY Schwab International DVD ETF 0.08% 5,775 $151K Add +92.8%
WEC WEC Energy Group Inc. 0.07% 1,514 $146K No change
IQLT iShares MSCI International Q 0.07% 3,361 $139K No change
AVGO Broadcom Inc. 0.07% 764 $132K Add +0.5%
IVW iShares S&P 500 Growth ETF 0.06% 1,316 $126K No change
WMT Walmart Inc. 0.06% 1,449 $117K No change
PHYS Sprott Physical Gold Trust 0.06% 5,600 $114K No change
RSP Invesco S&P 500 Equal Weight 0.06% 625 $112K No change
V Visa Inc. Class A 0.06% 402 $110K No change
XOM Exxon Mobil Corp. 0.05% 923 $108K Add +0.1%
A Agilent Technologies Inc. 0.05% 704 $105K No change
IEO iShares U.S. Oil & Gas Explo 0.05% 1,121 $103K Add +0.6%
YUM Yum! Brands Inc. 0.05% 683 $95K No change
SCHD Schwab US DVD Equity ETF 0.05% 1,081 $91K Add +1.2%
FCBC First Community Bankshares 0.05% 2,075 $90K No change

Show all 564 holdings

Options reported separately and not counted above: BAC puts ($2.1M).

Portfolio Sells Q2 2024 → Q3 2024
IVV iShares Core S&P 500 ETF Reduce -2.2% 5.85% −0.29
BND Vanguard Total Bond Market Reduce -12.2% 0.67% −0.12
SCHE Schwab Emrg Mrkts Eqty ETF Reduce -2.3% 4.94% −0.04
BABA Alibaba Group Holding-SP ADR Sold out 0.00% −0.02
IEMG iShares Core MSCI Emerging Reduce -0.4% 1.13% −0.02
VEA Vanguard Ftse Developed ETF Reduce -0.3% 0.98% −0.02
EEM iShares MSCI Emerging Market Reduce -1.5% 0.65% −0.01
EFA iShares MSCI Eafe ETF Reduce -0.8% 0.57% −0.01
VYM Vanguard High DVD Yield ETF Reduce -1.2% 0.85% −0.01
VZ Verizon Communications Inc. Reduce -28.6% 0.03% −0.01
LIT Global X Lithium & Battery T Sold out 0.00% −0.01
BIDU Baidu Inc. - Spon ADR Sold out 0.00% −0.01
BMY Bristol-Myers Squibb Co. Reduce -74.3% 0.00% −0.01
VTI VG Morningstar TS MKT ETF-US Reduce -2.6% 0.17% −0.01
XIFR XPLR Infrastructure LP Sold out 0.00% −0.01
PMT Pennymac Mortgage Investment Sold out 0.00% −0.01
T AT&T Inc. Reduce -21.9% 0.03% −0.01
IWP iShares Russell Mid-Cap Grow Reduce -0.1% 0.31% −0.01
LRCX Lam Research Corp. Sold out 0.00% −0.01
NUV Nuveen Municipal Value Sold out 0.00% −0.00
HA Hawaiian Holdings Inc. Sold out 0.00% −0.00
NIO Nio Inc. - ADR Sold out 0.00% −0.00
EMB iShares JP Morgan Usd Emergi Reduce -1.1% 0.10% −0.00
RIVN Rivian Automotive Inc. Class A Sold out 0.00% −0.00
GEHC GE Healthcare Technology Reduce -75.6% 0.00% −0.00
ITA iShares U.S. Aerospace & Def Sold out 0.00% −0.00
IHI iShares U.S. Medical Devices Sold out 0.00% −0.00
WBD Warner Bros Discovery Inc. Sold out 0.00% −0.00
IWO iShares Russell 2000 Growth Reduce -0.3% 0.13% −0.00
JNJ Johnson & Johnson Reduce -2.3% 0.10% 0.00
VCR Vanguard Consumer Discre ETF Reduce -0.1% 0.14% +0.00
IWS iShares Russell Mid-Cap Valu Reduce -0.8% 0.29% +0.00
LOW Lowe's Cos Inc. Reduce -0.6% 0.04% +0.00
SLYV SS SPDR S&P 600 SC Val ETF Reduce -1.0% 0.40% +0.01
VWO Vanguard Ftse Emerging Marke Reduce -0.2% 1.26% +0.01
HD Home Depot Inc. Reduce -5.8% 0.88% +0.02

Portfolio Buys Q2 2024 → Q3 2024
SCHF Schwab Intl Equity ETF Add +5.3% 11.66% +0.46
VGLT Vanguard Long-Term Treasury Add +6.7% 5.10% +0.25
VTV Vanguard Mrngstr Val ETF-Aui Add +2.7% 2.90% +0.09
VBR Vngrd Mrngst SL-CP Val ETF-U Add +3.8% 0.76% +0.04
SCHY Schwab International DVD ETF Add +92.8% 0.08% +0.04
SCHB Schwab US Broad Market ETF Add +5.2% 1.36% +0.04
IWM iShares Russell 2000 ETF Add +3.8% 0.88% +0.04
IWD iShares Russell 1000 Value E Add +0.5% 2.81% +0.03
DGRO iShares Core Dividend Growth Add +0.7% 2.32% +0.03
SPY SS SPDR S&P 500 ETF Trust-US Add +7.3% 0.55% +0.02
IEFA iShares Core MSCI Eafe ETF Add +1.4% 3.73% +0.02
FNDF Schwab Fndmn Intl LRG Co. ETF Add +1.8% 7.51% +0.02
SPYV SS SPDR P S&P 500 Value ETF Add +0.9% 1.94% +0.02
VTEB Vanguard Tax-Exempt Bond ETF Add +13.3% 0.31% +0.02
NAPR Innovator Growth 100 Power B New 0.02% +0.02
SUB iShares Short-Term National Add +12.4% 0.31% +0.02
FNDE Schwab Fndmntl Em MRK Eq ETF Add +0.7% 0.96% +0.01
XAR SS SPDR S&P Aerospace Def Add +0.1% 0.36% +0.01
QDEF NT Qual Div Def ETF Add +0.5% 1.01% +0.01
DVY iShares Select Dividend ETF Add +0.1% 0.25% +0.01
PXH Inves Rafi Emer MRKT-Usd Inc. Add +1.4% 0.32% +0.00
GD General Dynamics Corp. Add +85.3% 0.01% +0.00
PM Philip Morris International Add +40.1% 0.01% +0.00
LRCX Lam Research Corp. New 0.00% +0.00
IBM Intl Business Machines Corp. Add +0.5% 0.02% +0.00
MPC Marathon Petroleum Corp. Add +38.3% 0.02% +0.00
IBIT iShares Bitcoin Trust ETF New 0.00% +0.00
MRK Merck & Co. Inc. Add +38.3% 0.02% +0.00
SCHA Schwab US Small-Cap ETF Add +0.3% 0.54% +0.00
ADP Automatic Data Processing Add +0.4% 0.03% +0.00
CI The Cigna Group New 0.00% +0.00
PRG Prog Holdings Inc. Add +0.3% 0.01% +0.00
SPSM SS SPDR P S&P 600 Small Cap Add +8.7% 0.02% +0.00
CLPR Clipper Realty Inc. Add +84.4% 0.00% +0.00
VIG Vanguard Dividend Apprec ETF Add +0.3% 0.27% +0.00
IWN iShares Russell 2000 Value E Add +0.5% 0.09% +0.00
VTWO Vanguard Russell 2000 ETF Add +0.2% 0.16% +0.00
FNDA Schwab Fndmntl US SM Co. ETF Add +0.7% 0.10% +0.00
CVX Chevron Corp. Add +23.1% 0.01% +0.00
SCHD Schwab US DVD Equity ETF Add +1.2% 0.05% +0.00
TRV The Travelers Cos Inc. Add +1.1% 0.01% +0.00
DFSI Dimensional Int Sus COR1 ETF Add +0.3% 0.11% +0.00
GPMT Granite Point Mortgage Trust Add +147.6% 0.00% +0.00
QDF NT Qual Div ETF Add +0.5% 0.66% +0.00
HBAN Huntington Bancshares Inc. Add +1.1% 0.01% +0.00
VIGI Vanguard Int Div App Indx FD Add +0.4% 0.03% +0.00
CVS CVS Health Corp. Add +1.4% 0.01% 0.00
BLV Vanguard Long-Term Bond ETF Add +4.0% 0.00% 0.00
AAN The Aaron's Co. Inc. Add +1.6% 0.00% −0.00
MS Morgan Stanley Add +0.5% 0.01% −0.00

Notes & Other Activity Q2 2024 → Q3 2024
ALXO Alx Oncology Holdings Inc. COM Sold out 0 $0before exit
BLK BlackRock Finance Inc. COM Sold out 0 $0before exit
BWA Borgwarner Inc. COM Sold out 0 $0before exit
BAM Brookfield Asset Mgmt-A CL A LMT VTG SHS Sold out 0 $0before exit
BF.B Brown-Forman Corp. Class B CL B Sold out 0 $0before exit
DAN Dana Inc. COM Sold out 0 $0before exit
D Dominion Energy Inc. COM Sold out 0 $0before exit
EVBN Evans Bancorp Inc. COM NEW Sold out 0 $0before exit
GPN Global Payments Inc. COM Sold out 0 $0before exit
HAYW Hayward Holdings Inc. COM Sold out 0 $0before exit
HRL Hormel Foods Corp. COM Sold out 0 $0before exit
INTC Intel Corp. COM Sold out 0 $0before exit
MSM MSC Industrial Direct Co. Class A CL A Sold out 0 $0before exit
MU Micron Technology Inc. COM Sold out 0 $0before exit
TAP Molson Coors Beverage Co. Class B CL B Sold out 0 $0before exit
NAVI Navient Corp. COM Sold out 0 $0before exit
OGS One Gas Inc. COM Sold out 0 $0before exit
RLJ RLJ Lodging Trust COM Sold out 0 $0before exit
SLB SLB Ltd. COM STK Sold out 0 $0before exit
SJM The JM Smucker Co. COM NEW Sold out 0 $0before exit
SOLV Solventum Corp. COM SHS Sold out 0 $0before exit
SMP Standard Motor Prods COM Sold out 0 $0before exit
TFC Truist Financial Corp. COM New 0 $0
UNP Union Pacific Corp. COM Sold out 0 $0before exit
APTV Aptiv Irish Holdings Ltd. COM Sold out 0 $0before exit
RPRX Royalty Pharma PLC Class A SHS CLASS A Sold out 0 $0before exit
PRGO Perrigo Co. PLC SHS Sold out 0 $0before exit
XP XP Inc. Class A CL A Sold out 0 $0before exit

Bonds, preferreds, convertibles and warrants; not part of the stock holdings or percentages above.

All Filings

QuarterPositions13F Reported ValueTop Holdings
Q1 2026 587$238.1MSCHF, FNDF, IVV, SCHE, IEFA
Q4 2025 596$232.9MSCHF, FNDF, IVV, SCHE, IEFA
Q3 2025 585$228.0MSCHF, FNDF, IVV, SCHE, IEFA
Q2 2025 590$204.8MSCHF, FNDF, IVV, VGLT, SCHE
Q1 2025 573$191.7MSCHF, FNDF, IVV, VGLT, SCHE
Q4 2024 582$190.7MSCHF, FNDF, IVV, VGLT, SCHE
Q3 2024 564$198.6MSCHF, FNDF, IVV, VGLT, SCHE
Q2 2024 572$183.4MSCHF, FNDF, IVV, SCHE, VGLT
Q1 2024 555$179.1MSCHF, FNDF, IVV, VGLT, SCHE