Red Tortoise LLC
In its 13F for Q4 2025 (holdings as of December 31, 2025, filed January 22, 2026), Red Tortoise LLC reported 596 stock positions worth $232.9 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, 8.9%) and iShares Core S&P 500 ETF (IVV, 5.6%). Compared with Q3 2025, it opened 42 new positions, sold out of 33, added to 82 and reduced 40. The biggest buy was Schwab Fndmn Intl LRG Co. ETF (FNDF, shares +9%) and the biggest sale Vanguard S&P 500 ETF (VOO, shares −90%).
- Most Recent 13F
- Q1 2026
- Location
- ATLANTA, GA
- CIK
- 0001910488
- Portfolio Value
- $232.9M (Q4 2025)
- SEC Filing
- 0001910488-26-000001 ↗ filed Jan 22, 2026
Holdings Value
Holdings 596 stocks · $232.9M
| SCHF Schwab Intl Equity ETF | 11.78% | 1,141,527 | $27.4M | Add +1.3% |
| FNDF Schwab Fndmn Intl LRG Co. ETF | 8.88% | 457,602 | $20.7M | Add +8.7% |
| IVV iShares Core S&P 500 ETF | 5.61% | 19,067 | $13.1M | Reduce -1.8% |
| SCHE Schwab Emrg Mrkts Eqty ETF | 4.42% | 314,658 | $10.3M | Add +3.1% |
| IEFA iShares Core MSCI Eafe ETF | 3.66% | 95,390 | $8.5M | Reduce -2.5% |
| VGLT Vanguard Long-Term Treasury | 3.51% | 146,470 | $8.2M | Add +11.1% |
| SCHX Schwab US Large-Cap ETF | 3.29% | 284,936 | $7.7M | Reduce -0.1% |
| FNDX Schwab Fndmntl US LRG Co. ETF | 2.99% | 256,043 | $7.0M | Reduce -0.9% |
| IWD iShares Russell 1000 Value E | 2.71% | 30,036 | $6.3M | Add +0.4% |
| SCHO Schwab Short-Term US Treas | 2.40% | 229,551 | $5.6M | Add +4.4% |
| VTV Vanguard Mrngstr Val ETF-Aui | 2.31% | 28,173 | $5.4M | Reduce -0.4% |
| DGRO iShares Core Dividend Growth | 2.25% | 75,470 | $5.2M | Add +0.6% |
| QUAL iShares MSCI USA Quality Fac | 2.19% | 25,674 | $5.1M | Add +0.2% |
| VEA Vanguard Ftse Developed ETF | 1.90% | 70,963 | $4.4M | Add +1.0% |
| SPYV SS SPDR P S&P 500 Value ETF | 1.72% | 70,657 | $4.0M | Add +0.4% |
| SCHP Schwab U.S. Tips ETF | 1.40% | 123,041 | $3.3M | Add +1.6% |
| ACWX iShares MSCI Acwi Ex US ETF | 1.36% | 47,050 | $3.2M | Add +1.5% |
| SCHZ Schwab US Aggregate Bond ETF | 1.30% | 129,744 | $3.0M | Add +1.0% |
| IWB iShares Russell 1000 ETF | 1.26% | 7,830 | $2.9M | Reduce -3.5% |
| IEMG iShares Core MSCI Emerging | 1.17% | 40,450 | $2.7M | Add +1.1% |
| SCHB Schwab US Broad Market ETF | 1.15% | 102,173 | $2.7M | Add +0.2% |
| PXF Invesco Rafi Developed Marke | 1.13% | 40,253 | $2.6M | Add +1.0% |
| FNDE Schwab Fndmntl Em MRK Eq ETF | 0.97% | 62,926 | $2.3M | Add +3.3% |
| DFIV Dimensional International Va | 0.97% | 45,302 | $2.3M | Add +0.6% |
| DWX State Street SPDR S&P Intern | 0.92% | 48,698 | $2.1M | Add +1.5% |
| VBR Vngrd Mrngst SL-CP Val ETF-U | 0.90% | 9,937 | $2.1M | Add +31.4% |
| SUB iShares Short-Term National | 0.88% | 19,161 | $2.0M | No change |
| VTEB Vanguard Tax-Exempt Bond ETF | 0.84% | 39,018 | $2.0M | Add +1.0% |
| VWO Vanguard Ftse Emerging Marke | 0.83% | 35,840 | $1.9M | Add +1.1% |
| VYM Vanguard High DVD Yield ETF | 0.81% | 13,105 | $1.9M | Reduce -0.9% |
| BND Vanguard Total Bond Market | 0.77% | 24,221 | $1.8M | Add +0.5% |
| DFUS Dimensional US Eq MKT ETF | 0.74% | 23,165 | $1.7M | Add +0.1% |
| IWM iShares Russell 2000 ETF | 0.73% | 6,876 | $1.7M | Reduce -0.2% |
| EEM iShares MSCI Emerging Market | 0.68% | 29,106 | $1.6M | Add +1.4% |
| SPTL SS SPDR PF LNG TRM TSY E-Usd | 0.68% | 59,733 | $1.6M | Reduce -21.3% |
| MSFT Microsoft Corp. | 0.67% | 3,221 | $1.6M | Reduce -26.4% |
| AAPL Apple Inc. | 0.67% | 5,717 | $1.6M | No change |
| IQDF NT Intl Qual Div ETF | 0.62% | 47,636 | $1.4M | Add +0.3% |
| SPY SS SPDR S&P 500 ETF Trust-US | 0.60% | 2,060 | $1.4M | Reduce -3.3% |
| VTWO Vanguard Russell 2000 ETF | 0.59% | 13,772 | $1.4M | Add +84.8% |
| IAUM iShares Gold Trust Micro | 0.57% | 31,072 | $1.3M | No change |
| VGSH Vanguard Short-Term Treasury | 0.57% | 22,718 | $1.3M | Add +1.1% |
| EFA iShares MSCI Eafe ETF | 0.57% | 13,717 | $1.3M | Add +0.5% |
| FNDB Schwab Fndmntl US BRD Mr ETF | 0.53% | 46,730 | $1.2M | Add +0.4% |
| AEM Agnico Eagle Mines Ltd. | 0.53% | 7,269 | $1.2M | No change |
| AMZN Amazon.com Inc. | 0.52% | 5,274 | $1.2M | No change |
| VEU Vanguard Ftse All-World Ex-U | 0.51% | 16,088 | $1.2M | Add +1.7% |
| XAR SS SPDR S&P Aerospace Def | 0.48% | 4,602 | $1.1M | Add +0.0% |
| AGG iShares Core U.S. Aggregate | 0.47% | 11,072 | $1.1M | Add +1.3% |
| SCHK Schwab 1000 Index ETF | 0.47% | 33,275 | $1.1M | Reduce -4.9% |
| SCHA Schwab US Small-Cap ETF | 0.46% | 37,712 | $1.1M | Add +0.2% |
| ISHG iShares -3 Year Internationa | 0.44% | 13,660 | $1.0M | Reduce -53.6% |
| SIVR Abrdn Physical Silver Shares | 0.42% | 14,307 | $968K | No change |
| VEGI iShares MSCI Agriculture Pro | 0.41% | 25,000 | $964K | No change |
| GOOG Alphabet Inc. Class C | 0.40% | 2,971 | $932K | Add +0.4% |
| DFUV Dimensional US Marketwide Va | 0.36% | 17,856 | $832K | No change |
| SLYV SS SPDR S&P 600 SC Val ETF | 0.32% | 8,162 | $742K | Add +0.4% |
| IWP iShares Russell Mid-Cap Grow | 0.31% | 5,310 | $727K | No change |
| PXH Inves Rafi Emer MRKT-Usd Inc. | 0.31% | 28,126 | $726K | Reduce -1.3% |
| ILCB iShares Morningstar U.S. Equ | 0.30% | 7,315 | $690K | No change |
| ILCG iShares Morningstar Growth E | 0.27% | 6,074 | $632K | No change |
| IWS iShares Russell Mid-Cap Valu | 0.26% | 4,342 | $612K | No change |
| NVDA Nvidia Corp. | 0.25% | 3,106 | $579K | Reduce -7.3% |
| REMX Vaneck Rar Earth ND STG-Usdi | 0.25% | 7,800 | $577K | New |
| EFV iShares MSCI Eafe Value ETF | 0.24% | 7,966 | $569K | No change |
| URA Global X Uranium ETF | 0.24% | 13,265 | $567K | No change |
| QQQ Invesco QQQ Trust Series 1 | 0.24% | 908 | $558K | Reduce -9.7% |
| GOOGL Alphabet Inc. Class A | 0.23% | 1,720 | $538K | No change |
| VYMI Vanguard Int High DVD YLD Inc. | 0.23% | 5,959 | $536K | Add +1.0% |
| ORCL Oracle Corp. | 0.23% | 2,720 | $530K | Reduce -33.5% |
| VIG Vanguard Dividend Apprec ETF | 0.22% | 2,368 | $520K | Reduce -12.8% |
| DVY iShares Select Dividend ETF | 0.22% | 3,646 | $515K | Add +0.1% |
| IBMO iShares Ibonds Dec 2026 Term | 0.19% | 17,442 | $447K | New |
| VTI VG Morningstar TS MKT ETF-US | 0.17% | 1,196 | $401K | Add +0.6% |
| VONE Vanguard Russell 1000 | 0.17% | 1,293 | $400K | Add +0.1% |
| APP AppLovin Corp. Class A | 0.16% | 550 | $371K | No change |
| VCR Vanguard Consumer Discre ETF | 0.14% | 819 | $322K | No change |
| QDEF NT Qual Div Def ETF | 0.13% | 3,769 | $305K | Add +0.7% |
| IWO iShares Russell 2000 Growth | 0.12% | 892 | $288K | No change |
| DFSI Dimensional Int Sus COR1 ETF | 0.11% | 6,206 | $266K | No change |
| VOO Vanguard S&P 500 ETF | 0.11% | 423 | $265K | Reduce -89.5% |
| BSV Vanguard Short-Term Bond ETF | 0.11% | 3,117 | $246K | Add +1.2% |
| SCZ iShares MSCI Eafe Small-Cap | 0.10% | 3,001 | $233K | Add +0.9% |
| META Meta Platforms Inc. Class A | 0.09% | 334 | $220K | No change |
| DFSU Dimensional US Sus CORE1 ETF | 0.09% | 4,765 | $207K | No change |
| AVGO Broadcom Inc. | 0.09% | 597 | $207K | Reduce -6.1% |
| TIP iShares Tips Bond ETF | 0.09% | 1,857 | $204K | Add +1.0% |
| VFH Vanguard Financials ETF | 0.09% | 1,511 | $202K | No change |
| DFAT Dimensional US Target Value | 0.08% | 3,175 | $189K | No change |
| BRK.B Berkshire Hathaway Inc. Class B | 0.08% | 376 | $189K | No change |
| DFAS Dimensional US Small Cap ETF | 0.08% | 2,689 | $187K | No change |
| PHYS Sprott Physical Gold Trust | 0.08% | 5,600 | $185K | No change |
| IJR iShares Core S&P Small-Cap E | 0.08% | 1,510 | $181K | Reduce -2.3% |
| SCHY Schwab International DVD ETF | 0.07% | 5,779 | $172K | Add +1.1% |
| IVW iShares S&P 500 Growth ETF | 0.07% | 1,316 | $162K | No change |
| WMT Walmart Inc. | 0.07% | 1,449 | $161K | No change |
| IQLT iShares MSCI International Q | 0.07% | 3,484 | $158K | Add +1.0% |
| EMB iShares JP Morgan Usd Emergi | 0.06% | 1,561 | $150K | Add +1.6% |
| IWN iShares Russell 2000 Value E | 0.06% | 789 | $143K | Add +0.5% |
| V Visa Inc. Class A | 0.06% | 402 | $141K | No change |
Options reported separately and not counted above: BAC puts ($2.8M).
Lines left out (4) · $63 — a value with no share or principal amount
| Security | Class | Shares | Value |
|---|---|---|---|
| IUSG iShares Core S&P U.S. Growth | CORE S&P US GWT | 0 | $29 |
| SMH Vaneck Semiconductor ETF | SEMICONDUCTR ETF | 0 | $18 |
| 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: $232.9M.
Portfolio Sells Q3 2025 → Q4 2025
| VOO Vanguard S&P 500 ETF | Reduce -89.5% | 0.11% | −0.97 |
| ISHG iShares -3 Year Internationa | Reduce -53.6% | 0.44% | −0.54 |
| MSFT Microsoft Corp. | Reduce -26.4% | 0.67% | −0.33 |
| ORCL Oracle Corp. | Reduce -33.5% | 0.23% | −0.28 |
| SPTL SS SPDR PF LNG TRM TSY E-Usd | Reduce -21.3% | 0.68% | −0.22 |
| IBMN iShares Ibonds Dec 2025 Term | Sold out | 0.00% | −0.19 |
| IVV iShares Core S&P 500 ETF | Reduce -1.8% | 5.61% | −0.09 |
| IEFA iShares Core MSCI Eafe ETF | Reduce -2.5% | 3.66% | −0.09 |
| IWB iShares Russell 1000 ETF | Reduce -3.5% | 1.26% | −0.05 |
| VIG Vanguard Dividend Apprec ETF | Reduce -12.8% | 0.22% | −0.03 |
| QQQ Invesco QQQ Trust Series 1 | Reduce -9.7% | 0.24% | −0.03 |
| NVDA Nvidia Corp. | Reduce -7.3% | 0.25% | −0.03 |
| SCHK Schwab 1000 Index ETF | Reduce -4.9% | 0.47% | −0.02 |
| SPY SS SPDR S&P 500 ETF Trust-US | Reduce -3.3% | 0.60% | −0.02 |
| GNRC Generac Holdings Inc. | Reduce -80.0% | 0.00% | −0.02 |
| VYM Vanguard High DVD Yield ETF | Reduce -0.9% | 0.81% | −0.01 |
| RSP Invesco S&P 500 Equal Weight | Reduce -13.1% | 0.05% | −0.01 |
| FNDA Schwab Fndmntl US SM Co. ETF | Reduce -12.0% | 0.06% | −0.01 |
| NAPR Innovator Growth 100 Power B | Reduce -33.8% | 0.01% | −0.01 |
| PXH Inves Rafi Emer MRKT-Usd Inc. | Reduce -1.3% | 0.31% | −0.01 |
| SCHX Schwab US Large-Cap ETF | Reduce -0.1% | 3.29% | −0.00 |
| IWM iShares Russell 2000 ETF | Reduce -0.2% | 0.73% | −0.00 |
| COLD Americold Realty Trust Inc. | Sold out | 0.00% | −0.00 |
| DOX Amdocs Ltd. | Sold out | 0.00% | −0.00 |
| CMCSA Comcast Corp. Class A | Reduce -62.9% | 0.00% | −0.00 |
| VTV Vanguard Mrngstr Val ETF-Aui | Reduce -0.4% | 2.31% | −0.00 |
| AVGO Broadcom Inc. | Reduce -6.1% | 0.09% | −0.00 |
| CABO Cable One Inc. | Sold out | 0.00% | −0.00 |
| FISV Fiserv Inc. | Reduce -49.3% | 0.00% | −0.00 |
| IJR iShares Core S&P Small-Cap E | Reduce -2.3% | 0.08% | −0.00 |
| UNH Unitedhealth Group Inc. | Reduce -11.6% | 0.01% | −0.00 |
| XRAY Dentsply Sirona Inc. | Sold out | 0.00% | −0.00 |
| FMC FMC Corp. | Sold out | 0.00% | −0.00 |
| RHI Robert Half Inc. | Sold out | 0.00% | −0.00 |
| EFOR Everforth Inc. | Sold out | 0.00% | −0.00 |
| SMPL The Simply Good Foods Co. | Sold out | 0.00% | −0.00 |
| DKS Dick's Sporting Goods Inc. | Reduce -54.5% | 0.00% | −0.00 |
| NTLA Intellia Therapeutics Inc. | Sold out | 0.00% | −0.00 |
| SSTK Shutterstock Inc. | Sold out | 0.00% | −0.00 |
| KHC The Kraft Heinz Co. | Sold out | 0.00% | −0.00 |
| JACK Jack in the Box Inc. | Sold out | 0.00% | −0.00 |
| STZ Constellation Brands Inc. Class A | Reduce -48.2% | 0.00% | −0.00 |
| CRF Cornerstone Total Return | Reduce -13.1% | 0.01% | −0.00 |
| IART Integra Lifesciences Holding | Sold out | 0.00% | −0.00 |
| AMCR Amcor PLC | Sold out | 0.00% | −0.00 |
| DXC DXC Technology Co. | Sold out | 0.00% | −0.00 |
| MED Medifast Inc. | Sold out | 0.00% | −0.00 |
| UNIT Uniti Group Inc. | Sold out | 0.00% | −0.00 |
| SCL Stepan Co. | Sold out | 0.00% | −0.00 |
| OEC Orion SA | Sold out | 0.00% | −0.00 |
Portfolio Buys Q3 2025 → Q4 2025
| FNDF Schwab Fndmn Intl LRG Co. ETF | Add +8.7% | 8.88% | +0.95 |
| SCHF Schwab Intl Equity ETF | Add +1.3% | 11.78% | +0.28 |
| VTWO Vanguard Russell 2000 ETF | Add +84.8% | 0.59% | +0.27 |
| REMX Vaneck Rar Earth ND STG-Usdi | New | 0.25% | +0.25 |
| VGLT Vanguard Long-Term Treasury | Add +11.1% | 3.51% | +0.22 |
| VBR Vngrd Mrngst SL-CP Val ETF-U | Add +31.4% | 0.90% | +0.21 |
| IBMO iShares Ibonds Dec 2026 Term | New | 0.19% | +0.19 |
| GOOG Alphabet Inc. Class C | Add +0.4% | 0.40% | +0.08 |
| PXF Invesco Rafi Developed Marke | Add +1.0% | 1.13% | +0.06 |
| DFIV Dimensional International Va | Add +0.6% | 0.97% | +0.06 |
| VEA Vanguard Ftse Developed ETF | Add +1.0% | 1.90% | +0.06 |
| BCI Abrdn Bloomberg All Commodit | New | 0.05% | +0.05 |
| SCHO Schwab Short-Term US Treas | Add +4.4% | 2.40% | +0.05 |
| IWD iShares Russell 1000 Value E | Add +0.4% | 2.71% | +0.04 |
| ACWX iShares MSCI Acwi Ex US ETF | Add +1.5% | 1.36% | +0.03 |
| IQDF NT Intl Qual Div ETF | Add +0.3% | 0.62% | +0.03 |
| DWX State Street SPDR S&P Intern | Add +1.5% | 0.92% | +0.02 |
| SPYV SS SPDR P S&P 500 Value ETF | Add +0.4% | 1.72% | +0.01 |
| VEU Vanguard Ftse All-World Ex-U | Add +1.7% | 0.51% | +0.01 |
| EEM iShares MSCI Emerging Market | Add +1.4% | 0.68% | +0.01 |
| VYMI Vanguard Int High DVD YLD Inc. | Add +1.0% | 0.23% | +0.01 |
| IEMG iShares Core MSCI Emerging | Add +1.1% | 1.17% | +0.01 |
| DGRO iShares Core Dividend Growth | Add +0.6% | 2.25% | +0.01 |
| FNDE Schwab Fndmntl Em MRK Eq ETF | Add +3.3% | 0.97% | +0.01 |
| FNDB Schwab Fndmntl US BRD Mr ETF | Add +0.4% | 0.53% | +0.01 |
| ITOT iShares Core S&P Total U.S. | New | 0.01% | +0.01 |
| EFA iShares MSCI Eafe ETF | Add +0.5% | 0.57% | +0.01 |
| CRM Salesforce Inc. | Add +4.5% | 0.04% | +0.00 |
| QUAL iShares MSCI USA Quality Fac | Add +0.2% | 2.19% | +0.00 |
| SCHY Schwab International DVD ETF | Add +1.1% | 0.07% | +0.00 |
| FLO Flowers Foods Inc. | New | 0.00% | +0.00 |
| MU Micron Technology Inc. | Add +65.2% | 0.00% | +0.00 |
| CHTR Charter Communications Inc. Class A | New | 0.00% | +0.00 |
| GSLC Goldman Activebeta US LC ETF | New | 0.00% | +0.00 |
| GLOB Globant SA | New | 0.00% | +0.00 |
| SLYV SS SPDR S&P 600 SC Val ETF | Add +0.4% | 0.32% | +0.00 |
| XAR SS SPDR S&P Aerospace Def | Add +0.0% | 0.48% | +0.00 |
| DOW Dow Inc. | New | 0.00% | +0.00 |
| XOM Exxon Mobil Corp. | Add +0.2% | 0.05% | +0.00 |
| DFUS Dimensional US Eq MKT ETF | Add +0.1% | 0.74% | +0.00 |
| EMXC iShares MSCI Emr MRK Ex Chna | Add +1.8% | 0.03% | +0.00 |
| MAGN Magnera Corp. | New | 0.00% | +0.00 |
| ARE Alexandria Real Estate Equit | New | 0.00% | +0.00 |
| SYF Synchrony Financial | Add +0.3% | 0.01% | +0.00 |
| SWK Stanley Black & Decker Inc. | New | 0.00% | +0.00 |
| USNA Usana Health Sciences Inc. | New | 0.00% | +0.00 |
| SIRI Sirius XM Holdings Inc. | New | 0.00% | +0.00 |
| IRDM Iridium Communications Inc. | New | 0.00% | +0.00 |
| MRTN Marten Transport Ltd. | New | 0.00% | +0.00 |
| TXN Texas Instruments Inc. | New | 0.00% | +0.00 |
Notes & Other Activity Q3 2025 → Q4 2025
| JLL Jones Lang Lasalle Inc. | COM | Sold out | 0 | $88before exit |
| PNFP Pinnacle Financial Partners | COM | Sold out | 0 | $7before exit |
| PNFP Pinnacle Financial Partners | COM | New | 0 | $7 |
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 |