Red Tortoise LLC
In its 13F for Q2 2025 (holdings as of June 30, 2025, filed July 22, 2025), Red Tortoise LLC reported 590 stock positions worth $204.8 million. Its top holding was Schwab Intl Equity ETF (SCHF) at 11.8% of the portfolio, followed by Schwab Fndmn Intl LRG Co. ETF (FNDF, 8.1%) and iShares Core S&P 500 ETF (IVV, 5.9%). Compared with Q1 2025, it opened 78 new positions, sold out of 61, added to 104 and reduced 44. The biggest buy was a new position in State Street SPDR S&P Intern (DWX) and the biggest sale iShares MSCI USA Quality Fac (QUAL, shares −36%).
- Most Recent 13F
- Q1 2026
- Location
- ATLANTA, GA
- CIK
- 0001910488
- Portfolio Value
- $204.8M (Q2 2025)
- SEC Filing
- 0001910488-25-000004 ↗ filed Jul 22, 2025
Holdings Value
Holdings 590 stocks · $204.8M
| SCHF Schwab Intl Equity ETF | 11.79% | 1,092,908 | $24.2M | Add +0.5% |
| FNDF Schwab Fndmn Intl LRG Co. ETF | 8.05% | 412,224 | $16.5M | Add +1.1% |
| IVV iShares Core S&P 500 ETF | 5.87% | 19,383 | $12.0M | Reduce -3.5% |
| VGLT Vanguard Long-Term Treasury | 4.57% | 166,907 | $9.4M | Reduce -8.8% |
| SCHE Schwab Emrg Mrkts Eqty ETF | 4.44% | 302,081 | $9.1M | Reduce -6.8% |
| IEFA iShares Core MSCI Eafe ETF | 3.99% | 97,890 | $8.2M | Add +1.5% |
| SCHX Schwab US Large-Cap ETF | 3.24% | 271,426 | $6.6M | Reduce -19.3% |
| SCHO Schwab Short-Term US Treas | 3.23% | 271,101 | $6.6M | Add +18.3% |
| FNDX Schwab Fndmntl US LRG Co. ETF | 2.96% | 247,442 | $6.1M | Add +3.2% |
| IWD iShares Russell 1000 Value E | 2.83% | 29,796 | $5.8M | Add +0.4% |
| VTV Vanguard Mrngstr Val ETF-Aui | 2.33% | 27,049 | $4.8M | Reduce -16.1% |
| DGRO iShares Core Dividend Growth | 2.33% | 74,621 | $4.8M | Add +0.5% |
| QUAL iShares MSCI USA Quality Fac | 2.28% | 25,564 | $4.7M | Reduce -35.7% |
| VEA Vanguard Ftse Developed ETF | 1.95% | 70,067 | $4.0M | Add +11.7% |
| SPYV SS SPDR P S&P 500 Value ETF | 1.79% | 70,172 | $3.7M | Add +0.3% |
| SCHP Schwab U.S. Tips ETF | 1.62% | 124,076 | $3.3M | Add +0.4% |
| ACWX iShares MSCI Acwi Ex US ETF | 1.38% | 46,341 | $2.8M | Add +1.4% |
| IWB iShares Russell 1000 ETF | 1.34% | 8,107 | $2.8M | Add +0.1% |
| SCHB Schwab US Broad Market ETF | 1.19% | 101,871 | $2.4M | Add +0.1% |
| IEMG iShares Core MSCI Emerging | 1.17% | 39,991 | $2.4M | Add +1.2% |
| PXF Invesco Rafi Developed Marke | 1.11% | 39,595 | $2.3M | Add +0.8% |
| SCHZ Schwab US Aggregate Bond ETF | 1.08% | 95,230 | $2.2M | Add +13.7% |
| MSFT Microsoft Corp. | 1.04% | 4,267 | $2.1M | No change |
| SPTL SS SPDR PF LNG TRM TSY E-Usd | 1.01% | 78,003 | $2.1M | Reduce -9.4% |
| SUB iShares Short-Term National | 1.01% | 19,420 | $2.1M | Add +142.6% |
| FNDE Schwab Fndmntl Em MRK Eq ETF | 0.98% | 60,901 | $2.0M | Add +0.3% |
| DWX State Street SPDR S&P Intern | 0.98% | 47,508 | $2.0M | New |
| DFIV Dimensional International Va | 0.94% | 44,851 | $1.9M | Add +515.4% |
| VTEB Vanguard Tax-Exempt Bond ETF | 0.92% | 38,286 | $1.9M | Add +152.6% |
| BND Vanguard Total Bond Market | 0.86% | 23,883 | $1.8M | Add +0.1% |
| VYM Vanguard High DVD Yield ETF | 0.86% | 13,176 | $1.8M | Add +0.2% |
| VWO Vanguard Ftse Emerging Marke | 0.85% | 35,339 | $1.7M | Reduce -31.1% |
| DFUS Dimensional US Eq MKT ETF | 0.76% | 23,132 | $1.6M | Add +0.1% |
| IWM iShares Russell 2000 ETF | 0.76% | 7,181 | $1.5M | Add +0.0% |
| EEM iShares MSCI Emerging Market | 0.68% | 28,704 | $1.4M | Add +0.8% |
| VBR Vngrd Mrngst SL-CP Val ETF-U | 0.66% | 6,952 | $1.4M | Reduce -3.7% |
| VGSH Vanguard Short-Term Treasury | 0.64% | 22,363 | $1.3M | Add +0.8% |
| IQDF NT Intl Qual Div ETF | 0.62% | 47,079 | $1.3M | Add +1.6% |
| EFA iShares MSCI Eafe ETF | 0.60% | 13,667 | $1.2M | Add +0.5% |
| AAPL Apple Inc. | 0.57% | 5,717 | $1.2M | Add +0.9% |
| SPY SS SPDR S&P 500 ETF Trust-US | 0.57% | 1,897 | $1.2M | No change |
| FNDB Schwab Fndmntl US BRD Mr ETF | 0.54% | 46,357 | $1.1M | Add +0.2% |
| AGG iShares Core U.S. Aggregate | 0.53% | 10,861 | $1.1M | Add +5.6% |
| VEU Vanguard Ftse All-World Ex-U | 0.52% | 15,739 | $1.1M | Add +0.7% |
| AMZN Amazon.com Inc. | 0.51% | 4,798 | $1.1M | Add +4.1% |
| SCHK Schwab 1000 Index ETF | 0.51% | 34,963 | $1.0M | Add +0.1% |
| XAR SS SPDR S&P Aerospace Def | 0.47% | 4,589 | $968K | Add +0.1% |
| SCHA Schwab US Small-Cap ETF | 0.46% | 37,544 | $950K | Reduce -1.1% |
| ORCL Oracle Corp. | 0.44% | 4,134 | $904K | Reduce -0.4% |
| AEM Agnico Eagle Mines Ltd. | 0.42% | 7,269 | $865K | No change |
| DFUV Dimensional US Marketwide Va | 0.37% | 17,856 | $755K | No change |
| IWP iShares Russell Mid-Cap Grow | 0.36% | 5,310 | $736K | No change |
| PXH Inves Rafi Emer MRKT-Usd Inc. | 0.32% | 28,093 | $657K | Add +0.6% |
| SLYV SS SPDR S&P 600 SC Val ETF | 0.32% | 8,118 | $647K | Reduce -1.0% |
| ILCB iShares Morningstar U.S. Equ | 0.31% | 7,315 | $627K | No change |
| ILCG iShares Morningstar Growth E | 0.29% | 6,074 | $589K | No change |
| IWS iShares Russell Mid-Cap Valu | 0.28% | 4,342 | $574K | No change |
| VIG Vanguard Dividend Apprec ETF | 0.27% | 2,708 | $554K | No change |
| GOOG Alphabet Inc. Class C | 0.25% | 2,924 | $519K | Add +3.0% |
| EFV iShares MSCI Eafe Value ETF | 0.25% | 7,966 | $506K | Add +2.2% |
| VTWO Vanguard Russell 2000 ETF | 0.24% | 5,549 | $484K | Add +6.1% |
| DVY iShares Select Dividend ETF | 0.24% | 3,636 | $483K | Add +0.1% |
| VYMI Vanguard Int High DVD YLD Inc. | 0.23% | 5,849 | $469K | New |
| IBMN iShares Ibonds Dec 2025 Term | 0.22% | 16,483 | $441K | New |
| VONE Vanguard Russell 1000 | 0.18% | 1,290 | $362K | No change |
| VTI VG Morningstar TS MKT ETF-US | 0.18% | 1,187 | $361K | No change |
| GOOGL Alphabet Inc. Class A | 0.15% | 1,720 | $303K | Reduce -0.3% |
| VCR Vanguard Consumer Discre ETF | 0.14% | 819 | $297K | No change |
| QDEF NT Qual Div Def ETF | 0.13% | 3,729 | $276K | Reduce -86.8% |
| IWO iShares Russell 2000 Growth | 0.12% | 892 | $255K | No change |
| META Meta Platforms Inc. Class A | 0.12% | 334 | $247K | Reduce -0.9% |
| DFSI Dimensional Int Sus COR1 ETF | 0.12% | 6,203 | $244K | No change |
| BSV Vanguard Short-Term Bond ETF | 0.12% | 3,053 | $240K | Add +2.1% |
| SCZ iShares MSCI Eafe Small-Cap | 0.11% | 2,974 | $216K | Add +0.7% |
| TIP iShares Tips Bond ETF | 0.10% | 1,824 | $201K | Add +1.2% |
| APP AppLovin Corp. Class A | 0.09% | 550 | $193K | New |
| DFSU Dimensional US Sus CORE1 ETF | 0.09% | 4,765 | $187K | No change |
| BRK.B Berkshire Hathaway Inc. Class B | 0.09% | 376 | $183K | No change |
| AVGO Broadcom Inc. | 0.09% | 636 | $175K | Add +10.4% |
| DFAT Dimensional US Target Value | 0.08% | 3,175 | $171K | No change |
| DFAS Dimensional US Small Cap ETF | 0.08% | 2,689 | $171K | No change |
| IJR iShares Core S&P Small-Cap E | 0.08% | 1,545 | $169K | No change |
| IWN iShares Russell 2000 Value E | 0.08% | 1,044 | $165K | Add +0.5% |
| SCHY Schwab International DVD ETF | 0.08% | 5,667 | $155K | Add +1.3% |
| IQLT iShares MSCI International Q | 0.07% | 3,449 | $149K | Add +1.4% |
| IVW iShares S&P 500 Growth ETF | 0.07% | 1,316 | $145K | No change |
| V Visa Inc. Class A | 0.07% | 402 | $143K | No change |
| PHYS Sprott Physical Gold Trust | 0.07% | 5,600 | $142K | No change |
| WMT Walmart Inc. | 0.07% | 1,449 | $142K | No change |
| EMB iShares JP Morgan Usd Emergi | 0.07% | 1,516 | $140K | Reduce -33.5% |
| PG The Procter & Gamble Co. | 0.07% | 867 | $138K | No change |
| FNDA Schwab Fndmntl US SM Co. ETF | 0.07% | 4,764 | $136K | Add +1.1% |
| NVDA Nvidia Corp. | 0.06% | 823 | $130K | Add +50.5% |
| JPM JPMorgan Chase & Co. | 0.06% | 412 | $119K | Add +0.2% |
| NFLX Netflix Inc. | 0.06% | 87 | $117K | Add +210.7% |
| YUM Yum! Brands Inc. | 0.05% | 683 | $101K | No change |
| IEO iShares U.S. Oil & Gas Explo | 0.05% | 1,139 | $101K | Add +0.5% |
| XOM Exxon Mobil Corp. | 0.05% | 899 | $97K | Reduce -1.2% |
| CRM Salesforce Inc. | 0.04% | 322 | $88K | Add +195.4% |
| SCHD Schwab US DVD Equity ETF | 0.04% | 3,289 | $87K | Add +0.5% |
Options reported separately and not counted above: BAC puts ($2.4M).
Lines left out (5) · $175 — a value with no share or principal amount
| Security | Class | Shares | Value |
|---|---|---|---|
| JLL Jones Lang Lasalle Inc. | COM | 0 | $76 |
| IUSG iShares Core S&P U.S. Growth | CORE S&P US GWT | 0 | $69 |
| SMH Vaneck Semiconductor ETF | SEMICONDUCTR ETF | 0 | $14 |
| PNFP Pinnacle Financial Partners | COM | 0 | $8 |
| VUG Vanguard Mrngstar GR ETF-Sui | GROWTH ETF | 0 | $8 |
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: $204.8M.
Portfolio Sells Q1 2025 → Q2 2025
| QUAL iShares MSCI USA Quality Fac | Reduce -35.7% | 2.28% | −1.26 |
| VGLT Vanguard Long-Term Treasury | Reduce -8.8% | 4.57% | −0.93 |
| QDEF NT Qual Div Def ETF | Reduce -86.8% | 0.13% | −0.90 |
| SCHX Schwab US Large-Cap ETF | Reduce -19.3% | 3.24% | −0.64 |
| QDF NT Qual Div ETF | Reduce -95.7% | 0.03% | −0.63 |
| VTV Vanguard Mrngstr Val ETF-Aui | Reduce -16.1% | 2.33% | −0.57 |
| VWO Vanguard Ftse Emerging Marke | Reduce -31.1% | 0.85% | −0.36 |
| SCHE Schwab Emrg Mrkts Eqty ETF | Reduce -6.8% | 4.44% | −0.22 |
| SPTL SS SPDR PF LNG TRM TSY E-Usd | Reduce -9.4% | 1.01% | −0.21 |
| MUB iShares National Muni Bond E | Reduce -58.6% | 0.03% | −0.05 |
| VBR Vngrd Mrngst SL-CP Val ETF-U | Reduce -3.7% | 0.66% | −0.04 |
| EMB iShares JP Morgan Usd Emergi | Reduce -33.5% | 0.07% | −0.04 |
| SLYV SS SPDR S&P 600 SC Val ETF | Reduce -1.0% | 0.32% | −0.02 |
| IVV iShares Core S&P 500 ETF | Reduce -3.5% | 5.87% | −0.01 |
| UNH Unitedhealth Group Inc. | Reduce -8.6% | 0.01% | −0.01 |
| XOM Exxon Mobil Corp. | Reduce -1.2% | 0.05% | −0.01 |
| ELV Elevance Health Inc. | Sold out | 0.00% | −0.01 |
| ZBH Zimmer Biomet Holdings Inc. | Reduce -39.1% | 0.00% | −0.01 |
| CVX Chevron Corp. | Reduce -22.7% | 0.01% | −0.00 |
| EOG EOG Resources Inc. | Sold out | 0.00% | −0.00 |
| DEA Easterly Govt Pptys Inc. | Sold out | 0.00% | −0.00 |
| PFE Pfizer Inc. | Reduce -48.5% | 0.00% | −0.00 |
| K Kellanova | Sold out | 0.00% | −0.00 |
| PSX Phillips 66 | Sold out | 0.00% | −0.00 |
| TFX Teleflex Inc. | Sold out | 0.00% | −0.00 |
| SON Sonoco Products Co. | Sold out | 0.00% | −0.00 |
| CAG Conagra Brands Inc. | Reduce -60.3% | 0.00% | −0.00 |
| GILD Gilead Sciences Inc. | Reduce -11.1% | 0.01% | −0.00 |
| LEA Lear Corp. | Sold out | 0.00% | −0.00 |
| CC The Chemours Co. | Sold out | 0.00% | −0.00 |
| ABBV Abbvie Inc. | Reduce -9.6% | 0.01% | −0.00 |
| DFS Discover Financial Services | Sold out | 0.00% | −0.00 |
| GIS General Mills Inc. | Sold out | 0.00% | −0.00 |
| AVTR Avantor Inc. | Sold out | 0.00% | −0.00 |
| AGZ iShares Agency Bond ETF | Reduce -78.7% | 0.00% | −0.00 |
| MATV Mativ Holdings Inc. | Sold out | 0.00% | −0.00 |
| BCAL California Bancorp | Sold out | 0.00% | −0.00 |
| UPS United Parcel Service Class B | Reduce -7.2% | 0.01% | −0.00 |
| CLPR Clipper Realty Inc. | Sold out | 0.00% | −0.00 |
| GNTX Gentex Corp. | Reduce -47.7% | 0.00% | −0.00 |
| POR Portland General Electric Co. | Sold out | 0.00% | −0.00 |
| WNC Wabash National Corp. | Sold out | 0.00% | −0.00 |
| LNKB Linkbancorp Inc. | Sold out | 0.00% | −0.00 |
| CPB The Campbell's Company | Sold out | 0.00% | −0.00 |
| NVRO Nevro LLC | Sold out | 0.00% | −0.00 |
| CZR Caesars Entertainment Inc. | Sold out | 0.00% | −0.00 |
| TXN Texas Instruments Inc. | Sold out | 0.00% | −0.00 |
| IIPR Innovative Industrial Proper | Sold out | 0.00% | −0.00 |
| DX Dynex Capital Inc. | Sold out | 0.00% | −0.00 |
| ILMN Illumina Inc. | Sold out | 0.00% | −0.00 |
Portfolio Buys Q1 2025 → Q2 2025
| DWX State Street SPDR S&P Intern | New | 0.98% | +0.98 |
| DFIV Dimensional International Va | Add +515.4% | 0.94% | +0.79 |
| SUB iShares Short-Term National | Add +142.6% | 1.01% | +0.57 |
| SCHF Schwab Intl Equity ETF | Add +0.5% | 11.79% | +0.56 |
| VTEB Vanguard Tax-Exempt Bond ETF | Add +152.6% | 0.92% | +0.52 |
| FNDF Schwab Fndmn Intl LRG Co. ETF | Add +1.1% | 8.05% | +0.36 |
| SCHO Schwab Short-Term US Treas | Add +18.3% | 3.23% | +0.32 |
| VEA Vanguard Ftse Developed ETF | Add +11.7% | 1.95% | +0.29 |
| VYMI Vanguard Int High DVD YLD Inc. | New | 0.23% | +0.23 |
| IBMN iShares Ibonds Dec 2025 Term | New | 0.22% | +0.22 |
| IEFA iShares Core MSCI Eafe ETF | Add +1.5% | 3.99% | +0.18 |
| APP AppLovin Corp. Class A | New | 0.09% | +0.09 |
| XAR SS SPDR S&P Aerospace Def | Add +0.1% | 0.47% | +0.09 |
| SCHZ Schwab US Aggregate Bond ETF | Add +13.7% | 1.08% | +0.07 |
| IEMG iShares Core MSCI Emerging | Add +1.2% | 1.17% | +0.06 |
| AMZN Amazon.com Inc. | Add +4.1% | 0.51% | +0.06 |
| ACWX iShares MSCI Acwi Ex US ETF | Add +1.4% | 1.38% | +0.06 |
| IWB iShares Russell 1000 ETF | Add +0.1% | 1.34% | +0.05 |
| PXF Invesco Rafi Developed Marke | Add +0.8% | 1.11% | +0.04 |
| NFLX Netflix Inc. | Add +210.7% | 0.06% | +0.04 |
| SCHB Schwab US Broad Market ETF | Add +0.1% | 1.19% | +0.04 |
| AVGO Broadcom Inc. | Add +10.4% | 0.09% | +0.04 |
| NVDA Nvidia Corp. | Add +50.5% | 0.06% | +0.03 |
| CRM Salesforce Inc. | Add +195.4% | 0.04% | +0.03 |
| DFUS Dimensional US Eq MKT ETF | Add +0.1% | 0.76% | +0.03 |
| EEM iShares MSCI Emerging Market | Add +0.8% | 0.68% | +0.03 |
| VEU Vanguard Ftse All-World Ex-U | Add +0.7% | 0.52% | +0.02 |
| GOOG Alphabet Inc. Class C | Add +3.0% | 0.25% | +0.02 |
| IQDF NT Intl Qual Div ETF | Add +1.6% | 0.62% | +0.02 |
| SCHK Schwab 1000 Index ETF | Add +0.1% | 0.51% | +0.02 |
| EFA iShares MSCI Eafe ETF | Add +0.5% | 0.60% | +0.02 |
| BCAT BlackRock Capital Alloc TR | New | 0.02% | +0.02 |
| VTWO Vanguard Russell 2000 ETF | Add +6.1% | 0.24% | +0.02 |
| PTF Invesco Dorsey Wright Tech | New | 0.01% | +0.01 |
| PDP Invesco Dorsey Wright Moment | New | 0.01% | +0.01 |
| CRF Cornerstone Total Return | New | 0.01% | +0.01 |
| FV First Trust DW Focus 5 Fund | New | 0.01% | +0.01 |
| AIQ Global X Art Intel & Tech | New | 0.01% | +0.01 |
| FNDX Schwab Fndmntl US LRG Co. ETF | Add +3.2% | 2.96% | +0.01 |
| OXFORD LANE CAP CORP | New | 0.01% | +0.01 |
| DWAS Invesco Dorsey Wright Smallc | New | 0.01% | +0.01 |
| XAI OCTAGN FLT RAT & ALT INM | New | 0.01% | +0.01 |
| ECC Eagle Point Credit Co. | New | 0.01% | +0.01 |
| AGNC AGNC Investment Corp. | Add +377.4% | 0.01% | +0.01 |
| IWM iShares Russell 2000 ETF | Add +0.0% | 0.76% | +0.01 |
| DHR Danaher Corp. | Add +175.0% | 0.01% | +0.01 |
| TPVG Triplepoint Venture Growth B | New | 0.01% | +0.01 |
| LQDW iShares Ingr Corp. BD B/W ETF | New | 0.01% | +0.01 |
| SCZ iShares MSCI Eafe Small-Cap | Add +0.7% | 0.11% | +0.01 |
| EFV iShares MSCI Eafe Value ETF | Add +2.2% | 0.25% | +0.01 |
Notes & Other Activity Q1 2025 → Q2 2025
| XCMUX MFS High Yield Municipal TR | SH BEN INT | 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 |