Red Tortoise LLC
In its 13F for Q4 2024 (holdings as of December 31, 2024, filed January 24, 2025), Red Tortoise LLC reported 582 stock positions worth $190.7 million. Its top holding was Schwab Intl Equity ETF (SCHF) at 11.1% of the portfolio, followed by Schwab Fndmn Intl LRG Co. ETF (FNDF, 7.0%) and iShares Core S&P 500 ETF (IVV, 6.2%). Compared with Q3 2024, it opened 54 new positions, sold out of 38, added to 98 and reduced 35. The biggest buy was iShares Core S&P 500 ETF (IVV, shares +0%) and the biggest sale Schwab Emrg Mrkts Eqty ETF (SCHE, shares −1%).
- Most Recent 13F
- Q1 2026
- Location
- ATLANTA, GA
- CIK
- 0001910488
- Portfolio Value
- $190.7M (Q4 2024)
- SEC Filing
- 0001910488-25-000001 ↗ filed Jan 24, 2025
Holdings Value
Holdings 582 stocks · $190.7M
| SCHF Schwab Intl Equity ETF | 11.08% | 1,142,388 | $21.1M | Add +1.4% |
| FNDF Schwab Fndmn Intl LRG Co. ETF | 7.05% | 404,730 | $13.4M | Add +1.5% |
| IVV iShares Core S&P 500 ETF | 6.24% | 20,206 | $11.9M | Add +0.3% |
| VGLT Vanguard Long-Term Treasury | 5.09% | 175,523 | $9.7M | Add +6.6% |
| SCHE Schwab Emrg Mrkts Eqty ETF | 4.65% | 332,717 | $8.9M | Reduce -1.0% |
| SCHX Schwab US Large-Cap ETF | 4.24% | 346,111 | $8.1M | Reduce -0.9% |
| QUAL iShares MSCI USA Quality Fac | 3.70% | 39,670 | $7.1M | Add +0.3% |
| IEFA iShares Core MSCI Eafe ETF | 3.55% | 96,401 | $6.8M | Add +1.7% |
| IWD iShares Russell 1000 Value E | 2.87% | 29,575 | $5.5M | Add +0.5% |
| VTV Vanguard Mrngstr Val ETF-Aui | 2.86% | 32,266 | $5.5M | Reduce -2.3% |
| FNDX Schwab Fndmntl US LRG Co. ETF | 2.70% | 217,256 | $5.1M | Reduce -2.1% |
| SCHO Schwab Short-Term US Treas | 2.38% | 188,876 | $4.5M | Add +2.4% |
| DGRO iShares Core Dividend Growth | 2.38% | 73,927 | $4.5M | Add +0.7% |
| SPYV SS SPDR P S&P 500 Value ETF | 1.96% | 73,075 | $3.7M | Add +0.1% |
| SCHP Schwab U.S. Tips ETF | 1.67% | 123,484 | $3.2M | Add +0.7% |
| SCHB Schwab US Broad Market ETF | 1.44% | 120,713 | $2.7M | Reduce -0.7% |
| IWB iShares Russell 1000 ETF | 1.36% | 8,081 | $2.6M | Reduce -6.6% |
| SPTL SS SPDR PF LNG TRM TSY E-Usd | 1.31% | 95,196 | $2.5M | Add +7.2% |
| ACWX iShares MSCI Acwi Ex US ETF | 1.25% | 45,711 | $2.4M | Add +1.4% |
| VWO Vanguard Ftse Emerging Marke | 1.18% | 51,230 | $2.3M | Reduce -2.0% |
| IEMG iShares Core MSCI Emerging | 1.09% | 39,698 | $2.1M | Add +1.8% |
| QDEF NT Qual Div Def ETF | 1.04% | 28,214 | $2.0M | Add +0.6% |
| PXF Invesco Rafi Developed Marke | 0.98% | 39,059 | $1.9M | Add +0.6% |
| MSFT Microsoft Corp. | 0.95% | 4,314 | $1.8M | No change |
| VEA Vanguard Ftse Developed ETF | 0.93% | 37,025 | $1.8M | Add +0.2% |
| FNDE Schwab Fndmntl Em MRK Eq ETF | 0.92% | 60,694 | $1.8M | Add +3.1% |
| BND Vanguard Total Bond Market | 0.90% | 23,799 | $1.7M | Add +34.9% |
| HD Home Depot Inc. | 0.88% | 4,315 | $1.7M | No change |
| VYM Vanguard High DVD Yield ETF | 0.88% | 13,134 | $1.7M | Add +0.2% |
| IWM iShares Russell 2000 ETF | 0.87% | 7,530 | $1.7M | Reduce -4.5% |
| SCHZ Schwab US Aggregate Bond ETF | 0.84% | 70,631 | $1.6M | Add +7.8% |
| VBR Vngrd Mrngst SL-CP Val ETF-U | 0.78% | 7,552 | $1.5M | Add +0.9% |
| DFUS Dimensional US Eq MKT ETF | 0.77% | 23,096 | $1.5M | Add +0.1% |
| AAPL Apple Inc. | 0.77% | 5,828 | $1.5M | No change |
| AGG iShares Core U.S. Aggregate | 0.70% | 13,791 | $1.3M | Add +1.1% |
| QDF NT Qual Div ETF | 0.68% | 18,343 | $1.3M | Add +0.7% |
| VGSH Vanguard Short-Term Treasury | 0.67% | 22,065 | $1.3M | Add +2.4% |
| EEM iShares MSCI Emerging Market | 0.62% | 28,484 | $1.2M | Add +1.3% |
| SPY SS SPDR S&P 500 ETF Trust-US | 0.59% | 1,905 | $1.1M | Reduce -0.1% |
| SCHA Schwab US Small-Cap ETF | 0.57% | 39,912 | $1.1M | Reduce -4.4% |
| FNDB Schwab Fndmntl US BRD Mr ETF | 0.56% | 46,196 | $1.1M | Add +0.2% |
| IQDF NT Intl Qual Div ETF | 0.56% | 46,132 | $1.1M | Add +4.0% |
| EFA iShares MSCI Eafe ETF | 0.54% | 13,601 | $1.0M | Reduce -0.4% |
| AMZN Amazon.com Inc. | 0.53% | 4,606 | $1.0M | Add +0.2% |
| SCHK Schwab 1000 Index ETF | 0.52% | 34,901 | $988K | Reduce -22.1% |
| VEU Vanguard Ftse All-World Ex-U | 0.47% | 15,581 | $895K | Add +1.6% |
| SLYV SS SPDR S&P 600 SC Val ETF | 0.42% | 9,204 | $803K | Add +1.3% |
| SUB iShares Short-Term National | 0.41% | 7,421 | $783K | Add +29.0% |
| XAR SS SPDR S&P Aerospace Def | 0.40% | 4,581 | $760K | Add +0.3% |
| VTEB Vanguard Tax-Exempt Bond ETF | 0.40% | 15,110 | $757K | Add +25.3% |
| DFUV Dimensional US Marketwide Va | 0.38% | 17,856 | $731K | No change |
| ORCL Oracle Corp. | 0.38% | 4,309 | $718K | No change |
| IWP iShares Russell Mid-Cap Grow | 0.35% | 5,310 | $673K | No change |
| ILCB iShares Morningstar U.S. Equ | 0.31% | 7,315 | $594K | No change |
| PXH Inves Rafi Emer MRKT-Usd Inc. | 0.30% | 27,773 | $569K | Reduce -2.6% |
| AEM Agnico Eagle Mines Ltd. | 0.30% | 7,269 | $569K | No change |
| IWS iShares Russell Mid-Cap Valu | 0.29% | 4,342 | $562K | No change |
| ILCG iShares Morningstar Growth E | 0.29% | 6,074 | $544K | No change |
| GOOG Alphabet Inc. Class C | 0.28% | 2,840 | $541K | No change |
| VIG Vanguard Dividend Apprec ETF | 0.28% | 2,699 | $528K | Add +0.4% |
| DVY iShares Select Dividend ETF | 0.25% | 3,630 | $477K | Add +0.1% |
| GOOGL Alphabet Inc. Class A | 0.22% | 2,226 | $421K | Reduce -51.9% |
| EFV iShares MSCI Eafe Value ETF | 0.21% | 7,795 | $409K | Add +1.8% |
| VTWO Vanguard Russell 2000 ETF | 0.21% | 4,385 | $392K | Add +26.7% |
| VONE Vanguard Russell 1000 | 0.19% | 1,363 | $364K | Reduce -0.1% |
| VTI VG Morningstar TS MKT ETF-US | 0.18% | 1,197 | $347K | Add +1.7% |
| VCR Vanguard Consumer Discre ETF | 0.16% | 819 | $307K | No change |
| DFIV Dimensional International Va | 0.14% | 7,288 | $259K | No change |
| IWO iShares Russell 2000 Growth | 0.13% | 892 | $257K | No change |
| BSV Vanguard Short-Term Bond ETF | 0.12% | 2,973 | $230K | Add +18.9% |
| DFSI Dimensional Int Sus COR1 ETF | 0.11% | 6,203 | $204K | Add +0.5% |
| EMB iShares JP Morgan Usd Emergi | 0.11% | 2,257 | $201K | Add +1.8% |
| META Meta Platforms Inc. Class A | 0.10% | 337 | $197K | No change |
| TIP iShares Tips Bond ETF | 0.10% | 1,802 | $192K | Add +0.5% |
| DFSU Dimensional US Sus CORE1 ETF | 0.09% | 4,765 | $181K | Add +0.3% |
| SCZ iShares MSCI Eafe Small-Cap | 0.09% | 2,953 | $179K | Add +0.9% |
| IJR iShares Core S&P Small-Cap E | 0.09% | 1,545 | $178K | No change |
| DFAT Dimensional US Target Value | 0.09% | 3,175 | $177K | No change |
| DFAS Dimensional US Small Cap ETF | 0.09% | 2,689 | $175K | No change |
| BRK.B Berkshire Hathaway Inc. Class B | 0.09% | 376 | $170K | No change |
| IWN iShares Russell 2000 Value E | 0.09% | 1,036 | $170K | Add +0.6% |
| AVGO Broadcom Inc. | 0.09% | 708 | $164K | Reduce -7.3% |
| URA Global X Uranium ETF | 0.09% | 6,060 | $162K | No change |
| PG The Procter & Gamble Co. | 0.08% | 867 | $145K | Reduce -69.0% |
| FNDA Schwab Fndmntl US SM Co. ETF | 0.07% | 4,707 | $140K | Reduce -29.9% |
| IVW iShares S&P 500 Growth ETF | 0.07% | 1,316 | $134K | No change |
| WMT Walmart Inc. | 0.07% | 1,449 | $131K | No change |
| SCHY Schwab International DVD ETF | 0.07% | 5,564 | $129K | Reduce -3.6% |
| V Visa Inc. Class A | 0.07% | 402 | $127K | No change |
| IQLT iShares MSCI International Q | 0.07% | 3,400 | $126K | Add +1.2% |
| PHYS Sprott Physical Gold Trust | 0.06% | 5,600 | $113K | No change |
| RSP Invesco S&P 500 Equal Weight | 0.06% | 625 | $110K | No change |
| IEO iShares U.S. Oil & Gas Explo | 0.05% | 1,127 | $101K | Add +0.5% |
| XOM Exxon Mobil Corp. | 0.05% | 924 | $99K | Add +0.1% |
| JPM JPMorgan Chase & Co. | 0.05% | 411 | $99K | No change |
| YUM Yum! Brands Inc. | 0.05% | 683 | $92K | No change |
| SCHD Schwab US DVD Equity ETF | 0.05% | 3,262 | $89K | Add +0.6% |
| FCBC First Community Bankshares | 0.05% | 2,075 | $86K | No change |
| LOW Lowe's Cos Inc. | 0.04% | 318 | $78K | Add +0.6% |
| QQQ Invesco QQQ Trust Series 1 | 0.04% | 153 | $78K | Add +47.1% |
Options reported separately and not counted above: BAC puts ($2.3M).
Portfolio Sells Q3 2024 → Q4 2024
| SCHE Schwab Emrg Mrkts Eqty ETF | Reduce -1.0% | 4.65% | −0.29 |
| PG The Procter & Gamble Co. | Reduce -69.0% | 0.08% | −0.17 |
| GOOGL Alphabet Inc. Class A | Reduce -51.9% | 0.22% | −0.17 |
| SCHK Schwab 1000 Index ETF | Reduce -22.1% | 0.52% | −0.11 |
| VWO Vanguard Ftse Emerging Marke | Reduce -2.0% | 1.18% | −0.08 |
| WEC WEC Energy Group Inc. | Sold out | 0.00% | −0.07 |
| JNJ Johnson & Johnson | Reduce -63.8% | 0.03% | −0.07 |
| VTV Vanguard Mrngstr Val ETF-Aui | Reduce -2.3% | 2.86% | −0.04 |
| EFA iShares MSCI Eafe ETF | Reduce -0.4% | 0.54% | −0.04 |
| A Agilent Technologies Inc. | Reduce -52.3% | 0.02% | −0.03 |
| FNDA Schwab Fndmntl US SM Co. ETF | Reduce -29.9% | 0.07% | −0.03 |
| PXH Inves Rafi Emer MRKT-Usd Inc. | Reduce -2.6% | 0.30% | −0.02 |
| SCHY Schwab International DVD ETF | Reduce -3.6% | 0.07% | −0.01 |
| SWN Southwestern Energy Co. | Sold out | 0.00% | −0.01 |
| PFE Pfizer Inc. | Sold out | 0.00% | −0.01 |
| DHI D.R. Horton Inc. | Reduce -19.8% | 0.01% | −0.01 |
| HPE Hewlett Packard Enterprise | Sold out | 0.00% | −0.01 |
| CNC Centene Corp. | Sold out | 0.00% | −0.01 |
| DFSE Dimensional Em Sus CORE1 ETF | Reduce -15.4% | 0.03% | −0.01 |
| MRK Merck & Co. Inc. | Reduce -22.9% | 0.01% | −0.01 |
| IWB iShares Russell 1000 ETF | Reduce -6.6% | 1.36% | −0.01 |
| ADM Archer-Daniels-Midland Co. | Sold out | 0.00% | −0.00 |
| IWM iShares Russell 2000 ETF | Reduce -4.5% | 0.87% | −0.00 |
| IBIT iShares Bitcoin Trust ETF | Sold out | 0.00% | −0.00 |
| REXR Rexford Industrial Realty Inc. | Sold out | 0.00% | −0.00 |
| DHR Danaher Corp. | Reduce -69.2% | 0.00% | −0.00 |
| PETQ Petiq Inc. | Sold out | 0.00% | −0.00 |
| RC Ready Capital Corp. | Sold out | 0.00% | −0.00 |
| XRAY Dentsply Sirona Inc. | Sold out | 0.00% | −0.00 |
| VTIP Vanguard Short-Term Tips | Sold out | 0.00% | −0.00 |
| CE Celanese Corp. | Sold out | 0.00% | −0.00 |
| WU Western Union Co. | Reduce -43.4% | 0.00% | −0.00 |
| LEG Leggett & Platt Inc. | Reduce -30.5% | 0.00% | −0.00 |
| FIVE Five Below | Sold out | 0.00% | −0.00 |
| ADNT Adient PLC | Sold out | 0.00% | −0.00 |
| F Ford Motor Co. | Sold out | 0.00% | −0.00 |
| HUM Humana Inc. | Reduce -23.8% | 0.00% | −0.00 |
| LEA Lear Corp. | Sold out | 0.00% | −0.00 |
| LCID Lucid Group Inc. | Sold out | 0.00% | −0.00 |
| CTLT Catalent Inc. | Sold out | 0.00% | −0.00 |
| KALV Kalvista Pharmaceuticals Inc. | Sold out | 0.00% | −0.00 |
| KHC The Kraft Heinz Co. | Sold out | 0.00% | −0.00 |
| OXY Occidental Petroleum Corp. | Sold out | 0.00% | −0.00 |
| TMO Thermo Fisher Scientific Inc. | Reduce -37.5% | 0.00% | −0.00 |
| XRN Global Medical REIT Inc. | Sold out | 0.00% | −0.00 |
| MOS The Mosaic Co. | Sold out | 0.00% | −0.00 |
| AAN The Aaron's Co. Inc. | Sold out | 0.00% | −0.00 |
| RXRX Recursion Pharmaceuticals-A | Sold out | 0.00% | −0.00 |
| SPB Spectrum Brands Holdings Inc. | Sold out | 0.00% | −0.00 |
| TLYS Tilly's Inc. Class A SHRS | Sold out | 0.00% | −0.00 |
Portfolio Buys Q3 2024 → Q4 2024
| IVV iShares Core S&P 500 ETF | Add +0.3% | 6.24% | +0.39 |
| BND Vanguard Total Bond Market | Add +34.9% | 0.90% | +0.23 |
| QUAL iShares MSCI USA Quality Fac | Add +0.3% | 3.70% | +0.13 |
| SCHO Schwab Short-Term US Treas | Add +2.4% | 2.38% | +0.11 |
| SUB iShares Short-Term National | Add +29.0% | 0.41% | +0.10 |
| AMZN Amazon.com Inc. | Add +0.2% | 0.53% | +0.10 |
| VTEB Vanguard Tax-Exempt Bond ETF | Add +25.3% | 0.40% | +0.09 |
| DGRO iShares Core Dividend Growth | Add +0.7% | 2.38% | +0.06 |
| IWD iShares Russell 1000 Value E | Add +0.5% | 2.87% | +0.06 |
| SCHZ Schwab US Aggregate Bond ETF | Add +7.8% | 0.84% | +0.06 |
| VTWO Vanguard Russell 2000 ETF | Add +26.7% | 0.21% | +0.05 |
| DFUS Dimensional US Eq MKT ETF | Add +0.1% | 0.77% | +0.05 |
| XAR SS SPDR S&P Aerospace Def | Add +0.3% | 0.40% | +0.04 |
| VGSH Vanguard Short-Term Treasury | Add +2.4% | 0.67% | +0.03 |
| VYM Vanguard High DVD Yield ETF | Add +0.2% | 0.88% | +0.03 |
| QDEF NT Qual Div Def ETF | Add +0.6% | 1.04% | +0.03 |
| VBR Vngrd Mrngst SL-CP Val ETF-U | Add +0.9% | 0.78% | +0.03 |
| SLYV SS SPDR S&P 600 SC Val ETF | Add +1.3% | 0.42% | +0.02 |
| ONEQ Fidelity Nasdaq Comp Indx | New | 0.02% | +0.02 |
| BSV Vanguard Short-Term Bond ETF | Add +18.9% | 0.12% | +0.02 |
| QDF NT Qual Div ETF | Add +0.7% | 0.68% | +0.02 |
| FNDB Schwab Fndmntl US BRD Mr ETF | Add +0.2% | 0.56% | +0.02 |
| SPYV SS SPDR P S&P 500 Value ETF | Add +0.1% | 1.96% | +0.02 |
| SCHP Schwab U.S. Tips ETF | Add +0.7% | 1.67% | +0.02 |
| TSLA Tesla Inc. | Add +14.9% | 0.03% | +0.02 |
| QQQ Invesco QQQ Trust Series 1 | Add +47.1% | 0.04% | +0.02 |
| VTI VG Morningstar TS MKT ETF-US | Add +1.7% | 0.18% | +0.01 |
| TBF Proshares Short 20+ Treasury | New | 0.01% | +0.01 |
| EXE Expand Energy Corp. | New | 0.01% | +0.01 |
| VIG Vanguard Dividend Apprec ETF | Add +0.4% | 0.28% | +0.01 |
| HDEF Xtrackers MSCI Eafe High Div | New | 0.01% | +0.01 |
| SCHG Schwab US Large-Cap Growth | New | 0.01% | +0.01 |
| SPTL SS SPDR PF LNG TRM TSY E-Usd | Add +7.2% | 1.31% | +0.01 |
| NVDA Nvidia Corp. | Add +3.6% | 0.04% | +0.01 |
| DFSU Dimensional US Sus CORE1 ETF | Add +0.3% | 0.09% | +0.01 |
| RPRX Royalty Pharma PLC Class A | New | 0.00% | +0.00 |
| FTEC Fidelity MSCI Info Tech Indx | New | 0.00% | +0.00 |
| AGG iShares Core U.S. Aggregate | Add +1.1% | 0.70% | +0.00 |
| CAG Conagra Brands Inc. | Add +221.3% | 0.01% | +0.00 |
| K Kellanova | New | 0.00% | +0.00 |
| SYF Synchrony Financial | Add +0.3% | 0.01% | +0.00 |
| DVY iShares Select Dividend ETF | Add +0.1% | 0.25% | +0.00 |
| BEN Franklin Templeton Inc. | New | 0.00% | +0.00 |
| XMMO Invesco S&P Midcap Momentum | New | 0.00% | +0.00 |
| SBAC SBA Communications Corp. | Add +250.0% | 0.00% | +0.00 |
| IMCV iShares Morningstar Mid-Cap | New | 0.00% | +0.00 |
| VUG Vanguard Mrngstar GR ETF-Sui | New | 0.00% | +0.00 |
| COLD Americold Realty Trust Inc. | New | 0.00% | +0.00 |
| IWN iShares Russell 2000 Value E | Add +0.6% | 0.09% | +0.00 |
| UNH Unitedhealth Group Inc. | Add +23.4% | 0.03% | +0.00 |
Notes & Other Activity Q3 2024 → Q4 2024
| TFC Truist Financial Corp. | COM | Sold out | 0 | $0before exit |
Bonds, preferreds, convertibles and warrants; not part of the stock holdings or percentages above.
All Filings
| Quarter | Positions | 13F Reported Value | Top Holdings |
|---|---|---|---|
| Q1 2026 | 587 | $238.1M | SCHF, FNDF, IVV, SCHE, IEFA |
| Q4 2025 | 596 | $232.9M | SCHF, FNDF, IVV, SCHE, IEFA |
| Q3 2025 | 585 | $228.0M | SCHF, FNDF, IVV, SCHE, IEFA |
| Q2 2025 | 590 | $204.8M | SCHF, FNDF, IVV, VGLT, SCHE |
| Q1 2025 | 573 | $191.7M | SCHF, FNDF, IVV, VGLT, SCHE |
| Q4 2024 | 582 | $190.7M | SCHF, FNDF, IVV, VGLT, SCHE |
| Q3 2024 | 564 | $198.6M | SCHF, FNDF, IVV, VGLT, SCHE |
| Q2 2024 | 572 | $183.4M | SCHF, FNDF, IVV, SCHE, VGLT |
| Q1 2024 | 555 | $179.1M | SCHF, FNDF, IVV, VGLT, SCHE |