Red Tortoise LLC
In its 13F for Q3 2025 (holdings as of September 30, 2025, filed October 22, 2025), Red Tortoise LLC reported 585 stock positions worth $228.0 million. Its top holding was Schwab Intl Equity ETF (SCHF) at 11.5% of the portfolio, followed by Schwab Fndmn Intl LRG Co. ETF (FNDF, 7.9%) and iShares Core S&P 500 ETF (IVV, 5.7%). Compared with Q2 2025, it opened 32 new positions, sold out of 37, added to 89 and reduced 22. The biggest buy was a new position in Vanguard S&P 500 ETF (VOO) and the biggest sale Vanguard Long-Term Treasury (VGLT, shares −21%).
- Most Recent 13F
- Q1 2026
- Location
- ATLANTA, GA
- CIK
- 0001910488
- Portfolio Value
- $228.0M (Q3 2025)
- SEC Filing
- 0001910488-25-000005 ↗ filed Oct 22, 2025
Holdings Value
Holdings 585 stocks · $228.0M
| SCHF Schwab Intl Equity ETF | 11.51% | 1,126,676 | $26.2M | Add +3.1% |
| FNDF Schwab Fndmn Intl LRG Co. ETF | 7.93% | 420,994 | $18.1M | Add +2.1% |
| IVV iShares Core S&P 500 ETF | 5.70% | 19,418 | $13.0M | Add +0.2% |
| SCHE Schwab Emrg Mrkts Eqty ETF | 4.47% | 305,140 | $10.2M | Add +1.0% |
| IEFA iShares Core MSCI Eafe ETF | 3.75% | 97,890 | $8.5M | No change |
| SCHX Schwab US Large-Cap ETF | 3.30% | 285,320 | $7.5M | Add +5.1% |
| VGLT Vanguard Long-Term Treasury | 3.29% | 131,787 | $7.5M | Reduce -21.0% |
| FNDX Schwab Fndmntl US LRG Co. ETF | 2.98% | 258,350 | $6.8M | Add +4.4% |
| IWD iShares Russell 1000 Value E | 2.67% | 29,911 | $6.1M | Add +0.4% |
| SCHO Schwab Short-Term US Treas | 2.35% | 219,854 | $5.4M | Reduce -18.9% |
| VTV Vanguard Mrngstr Val ETF-Aui | 2.31% | 28,284 | $5.3M | Add +4.6% |
| DGRO iShares Core Dividend Growth | 2.24% | 75,029 | $5.1M | Add +0.6% |
| QUAL iShares MSCI USA Quality Fac | 2.19% | 25,613 | $5.0M | Add +0.2% |
| VEA Vanguard Ftse Developed ETF | 1.85% | 70,266 | $4.2M | Add +0.3% |
| SPYV SS SPDR P S&P 500 Value ETF | 1.71% | 70,384 | $3.9M | Add +0.3% |
| SCHP Schwab U.S. Tips ETF | 1.43% | 121,156 | $3.3M | Reduce -2.4% |
| SCHZ Schwab US Aggregate Bond ETF | 1.32% | 128,406 | $3.0M | Add +34.8% |
| ACWX iShares MSCI Acwi Ex US ETF | 1.32% | 46,341 | $3.0M | No change |
| IWB iShares Russell 1000 ETF | 1.30% | 8,115 | $3.0M | Add +0.1% |
| IEMG iShares Core MSCI Emerging | 1.16% | 39,991 | $2.6M | No change |
| SCHB Schwab US Broad Market ETF | 1.15% | 101,989 | $2.6M | Add +0.1% |
| VOO Vanguard S&P 500 ETF | 1.08% | 4,039 | $2.5M | New |
| PXF Invesco Rafi Developed Marke | 1.07% | 39,839 | $2.4M | Add +0.6% |
| MSFT Microsoft Corp. | 0.99% | 4,375 | $2.3M | Add +2.5% |
| ISHG iShares -3 Year Internationa | 0.98% | 29,455 | $2.2M | New |
| FNDE Schwab Fndmntl Em MRK Eq ETF | 0.97% | 60,901 | $2.2M | No change |
| DFIV Dimensional International Va | 0.91% | 45,016 | $2.1M | Add +0.4% |
| DWX State Street SPDR S&P Intern | 0.90% | 47,972 | $2.0M | Add +1.0% |
| SUB iShares Short-Term National | 0.90% | 19,161 | $2.0M | Reduce -1.3% |
| SPTL SS SPDR PF LNG TRM TSY E-Usd | 0.90% | 75,875 | $2.0M | Reduce -2.7% |
| VTEB Vanguard Tax-Exempt Bond ETF | 0.85% | 38,637 | $1.9M | Add +0.9% |
| VWO Vanguard Ftse Emerging Marke | 0.84% | 35,452 | $1.9M | Add +0.3% |
| VYM Vanguard High DVD Yield ETF | 0.82% | 13,225 | $1.9M | Add +0.4% |
| BND Vanguard Total Bond Market | 0.79% | 24,096 | $1.8M | Add +0.9% |
| DFUS Dimensional US Eq MKT ETF | 0.74% | 23,150 | $1.7M | Add +0.1% |
| IWM iShares Russell 2000 ETF | 0.73% | 6,892 | $1.7M | Reduce -4.0% |
| VBR Vngrd Mrngst SL-CP Val ETF-U | 0.69% | 7,565 | $1.6M | Add +8.8% |
| EEM iShares MSCI Emerging Market | 0.67% | 28,704 | $1.5M | No change |
| AAPL Apple Inc. | 0.64% | 5,717 | $1.5M | No change |
| SPY SS SPDR S&P 500 ETF Trust-US | 0.62% | 2,130 | $1.4M | Add +12.3% |
| IQDF NT Intl Qual Div ETF | 0.59% | 47,474 | $1.4M | Add +0.8% |
| VGSH Vanguard Short-Term Treasury | 0.58% | 22,483 | $1.3M | Add +0.5% |
| EFA iShares MSCI Eafe ETF | 0.56% | 13,646 | $1.3M | Reduce -0.1% |
| AEM Agnico Eagle Mines Ltd. | 0.54% | 7,269 | $1.2M | No change |
| FNDB Schwab Fndmntl US BRD Mr ETF | 0.53% | 46,538 | $1.2M | Add +0.4% |
| IAUM iShares Gold Trust Micro | 0.52% | 31,072 | $1.2M | New |
| AMZN Amazon.com Inc. | 0.51% | 5,274 | $1.2M | Add +9.9% |
| ORCL Oracle Corp. | 0.50% | 4,088 | $1.1M | Reduce -1.1% |
| VEU Vanguard Ftse All-World Ex-U | 0.50% | 15,817 | $1.1M | Add +0.5% |
| SCHK Schwab 1000 Index ETF | 0.49% | 34,994 | $1.1M | Add +0.1% |
| AGG iShares Core U.S. Aggregate | 0.48% | 10,928 | $1.1M | Add +0.6% |
| XAR SS SPDR S&P Aerospace Def | 0.47% | 4,600 | $1.1M | Add +0.2% |
| SCHA Schwab US Small-Cap ETF | 0.46% | 37,622 | $1.0M | Add +0.2% |
| VEGI iShares MSCI Agriculture Pro | 0.43% | 25,000 | $981K | New |
| DFUV Dimensional US Marketwide Va | 0.35% | 17,856 | $798K | No change |
| IWP iShares Russell Mid-Cap Grow | 0.33% | 5,310 | $756K | No change |
| VTWO Vanguard Russell 2000 ETF | 0.32% | 7,453 | $729K | Add +34.3% |
| PXH Inves Rafi Emer MRKT-Usd Inc. | 0.32% | 28,497 | $724K | Add +1.4% |
| SLYV SS SPDR S&P 600 SC Val ETF | 0.32% | 8,133 | $721K | Add +0.2% |
| GOOG Alphabet Inc. Class C | 0.32% | 2,959 | $721K | Add +1.2% |
| ILCB iShares Morningstar U.S. Equ | 0.30% | 7,315 | $676K | No change |
| SIVR Abrdn Physical Silver Shares | 0.28% | 14,307 | $636K | New |
| ILCG iShares Morningstar Growth E | 0.28% | 6,074 | $634K | No change |
| URA Global X Uranium ETF | 0.28% | 13,265 | $632K | Add +34807.9% |
| NVDA Nvidia Corp. | 0.27% | 3,349 | $625K | Add +306.9% |
| IWS iShares Russell Mid-Cap Valu | 0.27% | 4,342 | $606K | No change |
| QQQ Invesco QQQ Trust Series 1 | 0.27% | 1,006 | $604K | Add +959.0% |
| VIG Vanguard Dividend Apprec ETF | 0.26% | 2,716 | $586K | Add +0.3% |
| EFV iShares MSCI Eafe Value ETF | 0.24% | 7,966 | $540K | No change |
| DVY iShares Select Dividend ETF | 0.23% | 3,641 | $517K | Add +0.1% |
| VYMI Vanguard Int High DVD YLD Inc. | 0.22% | 5,898 | $499K | Add +0.8% |
| IBMN iShares Ibonds Dec 2025 Term | 0.19% | 16,571 | $444K | Add +0.5% |
| GOOGL Alphabet Inc. Class A | 0.18% | 1,720 | $418K | No change |
| APP AppLovin Corp. Class A | 0.17% | 550 | $395K | No change |
| VONE Vanguard Russell 1000 | 0.17% | 1,292 | $391K | Add +0.2% |
| VTI VG Morningstar TS MKT ETF-US | 0.17% | 1,189 | $390K | Add +0.2% |
| VCR Vanguard Consumer Discre ETF | 0.14% | 819 | $324K | No change |
| QDEF NT Qual Div Def ETF | 0.13% | 3,744 | $299K | Add +0.4% |
| IWO iShares Russell 2000 Growth | 0.13% | 892 | $285K | No change |
| DFSI Dimensional Int Sus COR1 ETF | 0.11% | 6,206 | $254K | Add +0.1% |
| META Meta Platforms Inc. Class A | 0.11% | 334 | $245K | No change |
| BSV Vanguard Short-Term Bond ETF | 0.11% | 3,080 | $243K | Add +0.9% |
| SCZ iShares MSCI Eafe Small-Cap | 0.10% | 2,974 | $228K | No change |
| AVGO Broadcom Inc. | 0.09% | 636 | $210K | No change |
| TIP iShares Tips Bond ETF | 0.09% | 1,839 | $205K | Add +0.8% |
| DFSU Dimensional US Sus CORE1 ETF | 0.09% | 4,765 | $202K | No change |
| VFH Vanguard Financials ETF | 0.09% | 1,511 | $198K | New |
| BRK.B Berkshire Hathaway Inc. Class B | 0.08% | 376 | $189K | No change |
| DFAT Dimensional US Target Value | 0.08% | 3,175 | $185K | No change |
| DFAS Dimensional US Small Cap ETF | 0.08% | 2,689 | $184K | No change |
| IJR iShares Core S&P Small-Cap E | 0.08% | 1,545 | $184K | No change |
| PHYS Sprott Physical Gold Trust | 0.07% | 5,600 | $166K | No change |
| SCHY Schwab International DVD ETF | 0.07% | 5,717 | $160K | Add +0.9% |
| IVW iShares S&P 500 Growth ETF | 0.07% | 1,316 | $159K | No change |
| IQLT iShares MSCI International Q | 0.07% | 3,449 | $152K | No change |
| WMT Walmart Inc. | 0.07% | 1,449 | $149K | No change |
| FNDA Schwab Fndmntl US SM Co. ETF | 0.07% | 4,775 | $149K | Add +0.2% |
| EMB iShares JP Morgan Usd Emergi | 0.06% | 1,536 | $146K | Add +1.3% |
| RSP Invesco S&P 500 Equal Weight | 0.06% | 757 | $144K | Add +642.2% |
| IWN iShares Russell 2000 Value E | 0.06% | 785 | $139K | Reduce -24.8% |
Options reported separately and not counted above: BAC puts ($2.6M).
Lines left out (5) · $197 — a value with no share or principal amount
| Security | Class | Shares | Value |
|---|---|---|---|
| JLL Jones Lang Lasalle Inc. | COM | 0 | $88 |
| IUSG iShares Core S&P U.S. Growth | CORE S&P US GWT | 0 | $76 |
| SMH Vaneck Semiconductor ETF | SEMICONDUCTR ETF | 0 | $17 |
| VUG Vanguard Mrngstar GR ETF-Sui | GROWTH ETF | 0 | $9 |
| PNFP Pinnacle Financial Partners | COM | 0 | $7 |
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: $228.0M.
Portfolio Sells Q2 2025 → Q3 2025
| VGLT Vanguard Long-Term Treasury | Reduce -21.0% | 3.29% | −1.29 |
| SCHO Schwab Short-Term US Treas | Reduce -18.9% | 2.35% | −0.87 |
| SCHP Schwab U.S. Tips ETF | Reduce -2.4% | 1.43% | −0.18 |
| SPTL SS SPDR PF LNG TRM TSY E-Usd | Reduce -2.7% | 0.90% | −0.12 |
| SUB iShares Short-Term National | Reduce -1.3% | 0.90% | −0.11 |
| EFA iShares MSCI Eafe ETF | Reduce -0.1% | 0.56% | −0.04 |
| IWM iShares Russell 2000 ETF | Reduce -4.0% | 0.73% | −0.03 |
| IWN iShares Russell 2000 Value E | Reduce -24.8% | 0.06% | −0.02 |
| BCAT BlackRock Capital Alloc TR | Sold out | 0.00% | −0.02 |
| AGNC AGNC Investment Corp. | Sold out | 0.00% | −0.01 |
| OXFORD LANE CAP CORP | Sold out | 0.00% | −0.01 |
| CRM Salesforce Inc. | Reduce -3.7% | 0.03% | −0.01 |
| XAI OCTAGN FLT RAT & ALT INM | Sold out | 0.00% | −0.01 |
| ECC Eagle Point Credit Co. | Sold out | 0.00% | −0.01 |
| TPVG Triplepoint Venture Growth B | Sold out | 0.00% | −0.01 |
| FTXL First Trust Nasdaq Semicondu | Sold out | 0.00% | −0.01 |
| IBM Intl Business Machines Corp. | Reduce -1.7% | 0.03% | −0.01 |
| ANSS Ansys Inc. | Sold out | 0.00% | −0.01 |
| IFF Intl Flavors & Fragrances | Sold out | 0.00% | −0.00 |
| KVUE Kenvue Inc. | Sold out | 0.00% | −0.00 |
| DOW Dow Inc. | Sold out | 0.00% | −0.00 |
| MOH Molina Healthcare Inc. | Sold out | 0.00% | −0.00 |
| FIS Fidelity National Info Serv | Reduce -23.1% | 0.00% | −0.00 |
| RMR RMR Group Inc./the - A | Sold out | 0.00% | −0.00 |
| HUN Huntsman Corp. | Sold out | 0.00% | −0.00 |
| FL Foot Locker Inc. | Sold out | 0.00% | −0.00 |
| GMS GMS Inc. | Sold out | 0.00% | −0.00 |
| MSTR Strategy Inc. | Sold out | 0.00% | −0.00 |
| LYB Lyondellbasell Indu Class A | Sold out | 0.00% | −0.00 |
| CRI Carter's Inc. | Sold out | 0.00% | −0.00 |
| FLO Flowers Foods Inc. | Sold out | 0.00% | −0.00 |
| GLOB Globant SA | Sold out | 0.00% | −0.00 |
| NAPR Innovator Growth 100 Power B | Reduce -0.8% | 0.02% | −0.00 |
| MGPI MGP Ingredients Inc. | Sold out | 0.00% | −0.00 |
| XIFR XPLR Infrastructure LP | Sold out | 0.00% | −0.00 |
| DHR Danaher Corp. | Reduce -0.7% | 0.01% | −0.00 |
| MRNA Moderna Inc. | Sold out | 0.00% | −0.00 |
| CRF Cornerstone Total Return | Reduce -4.4% | 0.01% | −0.00 |
| TEAD Teads Holding Co. | Sold out | 0.00% | −0.00 |
| AMED Amedisys Inc. | Sold out | 0.00% | −0.00 |
| BAX Baxter International Inc. | Sold out | 0.00% | −0.00 |
| PEP Pepsico Inc. | Reduce -7.2% | 0.01% | −0.00 |
| WERN Werner Enterprises Inc. | Sold out | 0.00% | −0.00 |
| CAG Conagra Brands Inc. | Sold out | 0.00% | −0.00 |
| COTY Coty Inc. Class A | Sold out | 0.00% | −0.00 |
| LINE Lineage Inc. | Sold out | 0.00% | −0.00 |
| MKTX Marketaxess Holdings Inc. | Sold out | 0.00% | −0.00 |
| THS Treehouse Foods Inc. | Sold out | 0.00% | −0.00 |
| HELE Helen of Troy Ltd. | Sold out | 0.00% | −0.00 |
| AVNS Avanos Medical Inc. | Sold out | 0.00% | −0.00 |
Portfolio Buys Q2 2025 → Q3 2025
| VOO Vanguard S&P 500 ETF | New | 1.08% | +1.08 |
| ISHG iShares -3 Year Internationa | New | 0.98% | +0.98 |
| IAUM iShares Gold Trust Micro | New | 0.52% | +0.52 |
| VEGI iShares MSCI Agriculture Pro | New | 0.43% | +0.43 |
| SIVR Abrdn Physical Silver Shares | New | 0.28% | +0.28 |
| URA Global X Uranium ETF | Add +34807.9% | 0.28% | +0.28 |
| SCHZ Schwab US Aggregate Bond ETF | Add +34.8% | 1.32% | +0.24 |
| QQQ Invesco QQQ Trust Series 1 | Add +959.0% | 0.27% | +0.24 |
| NVDA Nvidia Corp. | Add +306.9% | 0.27% | +0.21 |
| VFH Vanguard Financials ETF | New | 0.09% | +0.09 |
| VTWO Vanguard Russell 2000 ETF | Add +34.3% | 0.32% | +0.08 |
| GOOG Alphabet Inc. Class C | Add +1.2% | 0.32% | +0.06 |
| SCHX Schwab US Large-Cap ETF | Add +5.1% | 3.30% | +0.06 |
| RSP Invesco S&P 500 Equal Weight | Add +642.2% | 0.06% | +0.05 |
| SPY SS SPDR S&P 500 ETF Trust-US | Add +12.3% | 0.62% | +0.05 |
| VTEI Vanguard Int Tax-Exempt Bond | New | 0.05% | +0.05 |
| AVAV Aerovironment Inc. | New | 0.04% | +0.04 |
| COST Costco Wholesale Corp. | New | 0.03% | +0.03 |
| VBR Vngrd Mrngst SL-CP Val ETF-U | Add +8.8% | 0.69% | +0.03 |
| SCHE Schwab Emrg Mrkts Eqty ETF | Add +1.0% | 4.47% | +0.02 |
| KLAC KLA Corp. | Add +119.4% | 0.04% | +0.02 |
| GNRC Generac Holdings Inc. | New | 0.02% | +0.02 |
| FNDX Schwab Fndmntl US LRG Co. ETF | Add +4.4% | 2.98% | +0.02 |
| DELL Dell Technologies -C | New | 0.02% | +0.02 |
| MMKT Texas Cap Govt MNY MRKT ETF | New | 0.01% | +0.01 |
| PMMF Ishrs Prime MMKT ETF | New | 0.01% | +0.01 |
| COLD Americold Realty Trust Inc. | New | 0.00% | +0.00 |
| LSTR Landstar System Inc. | New | 0.00% | +0.00 |
| DOX Amdocs Ltd. | New | 0.00% | +0.00 |
| STZ Constellation Brands Inc. Class A | New | 0.00% | +0.00 |
| UNH Unitedhealth Group Inc. | Add +28.4% | 0.01% | +0.00 |
| EMN Eastman Chemical Co. | New | 0.00% | +0.00 |
| FMC FMC Corp. | New | 0.00% | +0.00 |
| RHI Robert Half Inc. | New | 0.00% | +0.00 |
| EFOR Everforth Inc. | New | 0.00% | +0.00 |
| SMPL The Simply Good Foods Co. | New | 0.00% | +0.00 |
| DKS Dick's Sporting Goods Inc. | Add +120.0% | 0.00% | +0.00 |
| EPAM Epam Systems Inc. | New | 0.00% | +0.00 |
| MU Micron Technology Inc. | New | 0.00% | +0.00 |
| WU Western Union Co. | New | 0.00% | +0.00 |
| XAR SS SPDR S&P Aerospace Def | Add +0.2% | 0.47% | +0.00 |
| IEX Idex Corp. | Add +120.0% | 0.00% | +0.00 |
| TAP Molson Coors Beverage Co. Class B | New | 0.00% | +0.00 |
| AMCR Amcor PLC | New | 0.00% | +0.00 |
| DXC DXC Technology Co. | New | 0.00% | +0.00 |
| WEN The Wendy's Co. | New | 0.00% | +0.00 |
| OEC Orion SA | New | 0.00% | +0.00 |
| PII Polaris Inc. | Add +1.1% | 0.00% | +0.00 |
| AKAM Akamai Technologies Inc. | New | 0.00% | +0.00 |
| FDS Factset Research Systems Inc. | New | 0.00% | +0.00 |
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 |