Retireful, LLC
In its 13F for Q3 2025 (holdings as of September 30, 2025, filed October 17, 2025), Retireful, LLC reported 93 stock positions worth $103.5 million. Its top holding was SS SPDR S&P 500 ETF Trust-US (SPY) at 10.9% of the portfolio, followed by Goldman Sachs Access Treasur (GBIL, 3.8%) and SS SPDR BB 1-3M T-Bill ETF (BIL, 3.4%). Compared with Q2 2025, it opened 50 new positions, sold out of 101, added to 10 and reduced 33. The biggest buy was JPMorgan Ultra-Short Income (JPST, shares +505%) and the biggest sale an exit from Fidelity Corporate Bond ETF (FCOR).
- Most Recent 13F
- Q2 2026
- Location
- HASLETT, MI
- CIK
- 0001919176
- Portfolio Value
- $103.5M (Q3 2025)
- SEC Filing
- 0001919176-25-000003 ↗ filed Oct 17, 2025
Holdings Value
Holdings 93 stocks · $103.5M
| SPY SS SPDR S&P 500 ETF Trust-US | 10.90% | 16,936 | $11.3M | Reduce -16.4% |
| GBIL Goldman Sachs Access Treasur | 3.79% | 39,106 | $3.9M | Reduce -13.1% |
| BIL SS SPDR BB 1-3M T-Bill ETF | 3.45% | 38,868 | $3.6M | Reduce -26.4% |
| JPST JPMorgan Ultra-Short Income | 3.24% | 66,174 | $3.4M | Add +505.1% |
| USFR Wisdomtree Floating Rate Tre | 2.41% | 49,558 | $2.5M | Reduce -13.1% |
| VCR Vanguard Consumer Discre ETF | 2.17% | 5,666 | $2.2M | New |
| VV Vngrd Mrgstr LRG-Cap ETF-Usd | 2.17% | 7,284 | $2.2M | New |
| SCHX Schwab US Large-Cap ETF | 2.12% | 83,388 | $2.2M | New |
| VGT Vanguard Info Tech ETF | 2.12% | 2,941 | $2.2M | Add +3.5% |
| VFH Vanguard Financials ETF | 2.10% | 16,551 | $2.2M | New |
| XLC SS Comm Select Sector SPDR | 2.07% | 18,124 | $2.1M | Add +3.5% |
| STIP iShares 0-5 Year Tips Bond E | 1.95% | 19,558 | $2.0M | Reduce -13.1% |
| ANET Arista Networks Inc. | 1.60% | 11,355 | $1.7M | Add +12.4% |
| CWB SS SPDR BB Conv Sec ETF | 1.45% | 16,626 | $1.5M | Reduce -13.1% |
| UI Ubiquiti Inc. | 1.45% | 2,274 | $1.5M | Reduce -8.9% |
| BOND PIMCO Active Bond Exchange-T | 1.42% | 15,746 | $1.5M | New |
| GOOGL Alphabet Inc. Class A | 1.39% | 5,906 | $1.4M | Reduce -18.0% |
| AGG iShares Core U.S. Aggregate | 1.38% | 14,282 | $1.4M | New |
| AVGO Broadcom Inc. | 1.37% | 4,300 | $1.4M | Reduce -45.6% |
| GEV GE Vernova Inc. | 1.36% | 2,285 | $1.4M | Reduce -16.4% |
| MOAT Vaneck Morningstar Wide Moat | 1.33% | 13,925 | $1.4M | Add +182.7% |
| IUSB Ishr CR Unvrse Usd BD ETF-Ui | 1.33% | 29,513 | $1.4M | New |
| APP AppLovin Corp. Class A | 1.31% | 1,891 | $1.4M | New |
| NET Cloudflare Inc. Class A | 1.30% | 6,277 | $1.3M | Reduce -8.8% |
| P Everpure Inc. Class A filed as PURE STORAGE INC | 1.28% | 15,832 | $1.3M | Reduce -8.9% |
| UAL United Airlines Holdings Inc. | 1.27% | 13,620 | $1.3M | Add +16.6% |
| SGOV iShares 0-3 Month Treasury B | 1.23% | 12,644 | $1.3M | Reduce -13.1% |
| USMV iShares MSCI USA Min Vol Fac | 1.22% | 13,250 | $1.3M | Reduce -6.7% |
| TKO Tko Group Holdings Inc. | 1.20% | 6,165 | $1.2M | Add +20.4% |
| BIV Vanguard Intermediate-Term B | 1.20% | 15,878 | $1.2M | New |
| RDVY First Trust Rising Dividend | 1.19% | 18,277 | $1.2M | New |
| SPHQ Invesco S&P 500 Quality ETF | 1.18% | 18,303 | $1.2M | Add +50.9% |
| EXPE Expedia Group Inc. | 1.18% | 5,690 | $1.2M | Add +19.6% |
| TPR Tapestry Inc. | 1.09% | 10,005 | $1.1M | Reduce -18.5% |
| GLW Corning Inc. | 1.06% | 13,388 | $1.1M | New |
| BKR Baker Hughes Co. | 1.06% | 22,419 | $1.1M | New |
| GAL SS Global Allocation ETF | 1.00% | 21,151 | $1.0M | New |
| WDC Western Digital Corp. | 1.00% | 8,577 | $1.0M | New |
| BSV Vanguard Short-Term Bond ETF | 0.99% | 13,024 | $1.0M | New |
| NVDA Nvidia Corp. | 0.96% | 5,314 | $991K | Reduce -4.6% |
| PHM Pultegroup Inc. | 0.96% | 7,482 | $989K | New |
| META Meta Platforms Inc. Class A | 0.87% | 1,227 | $901K | Reduce -34.5% |
| WSM Williams-Sonoma Inc. | 0.85% | 4,493 | $878K | Reduce -8.9% |
| FFIV F5 Inc. | 0.83% | 2,664 | $861K | Reduce -8.9% |
| TOL Toll Brothers Inc. | 0.80% | 5,993 | $828K | New |
| NOC Northrop Grumman Corp. | 0.77% | 1,303 | $794K | New |
| FIX Comfort Systems USA Inc. | 0.77% | 961 | $793K | Reduce -29.3% |
| C Citigroup Inc. | 0.76% | 7,733 | $785K | New |
| FAST Fastenal Co. | 0.74% | 15,675 | $769K | New |
| CW Curtiss-Wright Corp. | 0.72% | 1,369 | $743K | Reduce -8.9% |
| CG The Carlyle Group Inc. | 0.71% | 11,703 | $734K | New |
| TROW T Rowe Price Group Inc. filed as PRICE T ROWE GROUP INC | 0.69% | 6,957 | $714K | New |
| BX Blackstone Inc. | 0.69% | 4,159 | $711K | New |
| ORCL Oracle Corp. | 0.68% | 2,502 | $704K | Add +133.6% |
| CHRW C.H. Robinson Worldwide Inc. | 0.67% | 5,224 | $692K | New |
| URI United Rentals Inc. | 0.66% | 712 | $680K | New |
| DAY Dayforce Inc. | 0.64% | 9,673 | $666K | New |
| XYZ Block Inc. | 0.63% | 9,089 | $657K | New |
| ET Energy Transfer LP | 0.63% | 38,263 | $657K | Reduce -8.9% |
| FLEX Flex Ltd. | 0.63% | 11,298 | $655K | New |
| AMD Advanced Micro Devices | 0.63% | 4,010 | $649K | New |
| DAL Delta Air Lines Inc. | 0.60% | 10,890 | $618K | New |
| TIPX SS SPDR BB 1-10YR Tips ETF | 0.56% | 30,206 | $583K | New |
| NTRS Northern Trust Corp. | 0.56% | 4,318 | $581K | New |
| CCL Carnival Corp. | 0.54% | 19,288 | $558K | New |
| MU Micron Technology Inc. | 0.48% | 2,994 | $501K | Reduce -56.9% |
| IWF iShares Russell 1000 Growth | 0.40% | 888 | $416K | Reduce -8.6% |
| VFMV Vanguard US Minimum Volatili | 0.39% | 3,055 | $401K | Reduce -13.1% |
| QGRO American Century US Quality | 0.38% | 3,433 | $393K | Reduce -18.1% |
| IVV iShares Core S&P 500 ETF | 0.37% | 573 | $384K | Reduce -23.1% |
| TMO Thermo Fisher Scientific Inc. | 0.37% | 787 | $382K | New |
| SPYG SS SPDR P S&P 500 Growth ETF | 0.36% | 3,590 | $375K | Reduce -26.9% |
| SCHG Schwab US Large-Cap Growth | 0.36% | 11,735 | $374K | Reduce -26.6% |
| SPMO Invesco S&P 500 Momentum ETF | 0.36% | 3,090 | $374K | Reduce -26.4% |
| GRMN Garmin Ltd. | 0.34% | 1,442 | $355K | New |
| HUBB Hubbell Inc. | 0.34% | 806 | $347K | New |
| DASH DoorDash Inc. Class A | 0.33% | 1,264 | $344K | New |
| PH Parker Hannifin Corp. | 0.32% | 437 | $331K | New |
| NEM Newmont Corp. | 0.31% | 3,862 | $326K | New |
| ONC Beone Medicines Ltd.-ADR | 0.31% | 941 | $321K | New |
| IQV Iqvia Holdings Inc. | 0.31% | 1,662 | $316K | New |
| IDXX Idexx Laboratories Inc. | 0.30% | 491 | $314K | Reduce -8.6% |
| CMI Cummins Inc. | 0.30% | 739 | $312K | New |
| DHI D.R. Horton Inc. | 0.29% | 1,789 | $303K | New |
| ALNY Alnylam Pharmaceuticals Inc. | 0.29% | 662 | $302K | New |
| FITB Fifth Third Bancorp | 0.29% | 6,698 | $298K | New |
| ZM Zoom Communications Inc. | 0.29% | 3,588 | $296K | New |
| HD Home Depot Inc. | 0.28% | 722 | $293K | New |
| MSI Motorola Solutions Inc. | 0.28% | 638 | $292K | New |
| GWRE Guidewire Software Inc. | 0.28% | 1,259 | $289K | New |
| JMOM JPMorgan US Momentum Factor | 0.28% | 4,261 | $289K | Reduce -41.0% |
| RDDT Reddit Inc. Class A | 0.26% | 1,153 | $265K | New |
| AMZN Amazon.com Inc. | 0.22% | 1,050 | $231K | Reduce -67.5% |
Portfolio Sells Q2 2025 → Q3 2025
| FCOR Fidelity Corporate Bond ETF | Sold out | 0.00% | −2.22 |
| IBTH iShares Ibonds Dec 2027 Term | Sold out | 0.00% | −2.06 |
| IBTI iShares Ibonds Dec 2028 Term | Sold out | 0.00% | −2.03 |
| VGIT Vanguard Intermediate-Term T | Sold out | 0.00% | −1.84 |
| ISHG iShares -3 Year Internationa | Sold out | 0.00% | −1.82 |
| XLK SS Technology Select Sector | Sold out | 0.00% | −1.69 |
| RLY SS Multi-Asset Real Ret ETF | Sold out | 0.00% | −1.58 |
| VIS Vanguard Industrials ETF | Sold out | 0.00% | −1.57 |
| ICVT iShares Convertible Bond ETF | Sold out | 0.00% | −1.24 |
| XLV SS Health Care Select Sector | Sold out | 0.00% | −1.16 |
| AOR iShares Core 60/40 Balanced | Sold out | 0.00% | −1.08 |
| APH Amphenol Corp. Class A | Sold out | 0.00% | −1.00 |
| IAGG iShares Intl Aggregate Bond | Sold out | 0.00% | −0.99 |
| VEU Vanguard Ftse All-World Ex-U | Sold out | 0.00% | −0.97 |
| HNDL Nasdaq 7 Handl Index ETF | Sold out | 0.00% | −0.97 |
| NFLX Netflix Inc. | Sold out | 0.00% | −0.96 |
| VST Vistra Corp. | Sold out | 0.00% | −0.95 |
| MNA Nylim Merger Arbtrage ETF-Ui | Sold out | 0.00% | −0.93 |
| QUAL iShares MSCI USA Quality Fac | Sold out | 0.00% | −0.92 |
| ZS Zscaler Inc. | Sold out | 0.00% | −0.91 |
| IDEV iShares Core MSCI Dev MKTS | Sold out | 0.00% | −0.88 |
| JBL Jabil Inc. | Sold out | 0.00% | −0.87 |
| HWM Howmet Aerospace Inc. | Sold out | 0.00% | −0.84 |
| VRT Vertiv Holdings Co. Class A | Sold out | 0.00% | −0.81 |
| INKM SS Income Allocation ETF | Sold out | 0.00% | −0.80 |
| VGLT Vanguard Long-Term Treasury | Sold out | 0.00% | −0.80 |
| FDEM Fidelity Emrg MRKT Multifact | Sold out | 0.00% | −0.77 |
| CEG Constellation Energy | Sold out | 0.00% | −0.76 |
| VCSH Vanguard S/T Corp. Bond ETF | Sold out | 0.00% | −0.76 |
| OEF iShares S&P 100 ETF | Sold out | 0.00% | −0.75 |
| YBTC Roundhill Bitcoin CC STR ETF | Sold out | 0.00% | −0.74 |
| IDV iShares International Select | Sold out | 0.00% | −0.73 |
| TOST Toast Inc. Class A | Sold out | 0.00% | −0.70 |
| CHWY Chewy Inc. Class A | Sold out | 0.00% | −0.69 |
| TWLO Twilio Inc. Class A | Sold out | 0.00% | −0.68 |
| DRI Darden Restaurants Inc. | Sold out | 0.00% | −0.66 |
| NTRA Natera Inc. | Sold out | 0.00% | −0.64 |
| LPLA LPL Financial Holdings Inc. | Sold out | 0.00% | −0.60 |
| IBND SS SPDR BB Intl Corp. BD ETF | Sold out | 0.00% | −0.58 |
| MRVL Marvell Technology Inc. | Sold out | 0.00% | −0.58 |
| GDDY GoDaddy Inc. Class A | Sold out | 0.00% | −0.54 |
| DUOL Duolingo | Sold out | 0.00% | −0.53 |
| HUBS HubSpot Inc. | Sold out | 0.00% | −0.52 |
| TEAM Atlassian Corp. Class A | Sold out | 0.00% | −0.52 |
| DOCU Docusign Inc. | Sold out | 0.00% | −0.52 |
| AXON Axon Enterprise Inc. | Sold out | 0.00% | −0.50 |
| QLVD NT Dev Exus QLV ETF | Sold out | 0.00% | −0.49 |
| ICE Intercontinental Exchange Inc. | Sold out | 0.00% | −0.48 |
| NRG NRG Energy Inc. | Sold out | 0.00% | −0.47 |
| LULU Lululemon Athletica Inc. | Sold out | 0.00% | −0.46 |
Portfolio Buys Q2 2025 → Q3 2025
| JPST JPMorgan Ultra-Short Income | Add +505.1% | 3.24% | +2.86 |
| VCR Vanguard Consumer Discre ETF | New | 2.17% | +2.17 |
| VV Vngrd Mrgstr LRG-Cap ETF-Usd | New | 2.17% | +2.17 |
| SCHX Schwab US Large-Cap ETF | New | 2.12% | +2.12 |
| VFH Vanguard Financials ETF | New | 2.10% | +2.10 |
| BOND PIMCO Active Bond Exchange-T | New | 1.42% | +1.42 |
| AGG iShares Core U.S. Aggregate | New | 1.38% | +1.38 |
| IUSB Ishr CR Unvrse Usd BD ETF-Ui | New | 1.33% | +1.33 |
| APP AppLovin Corp. Class A | New | 1.31% | +1.31 |
| BIV Vanguard Intermediate-Term B | New | 1.20% | +1.20 |
| RDVY First Trust Rising Dividend | New | 1.19% | +1.19 |
| GLW Corning Inc. | New | 1.06% | +1.06 |
| BKR Baker Hughes Co. | New | 1.06% | +1.06 |
| MOAT Vaneck Morningstar Wide Moat | Add +182.7% | 1.33% | +1.02 |
| GAL SS Global Allocation ETF | New | 1.00% | +1.00 |
| WDC Western Digital Corp. | New | 1.00% | +1.00 |
| BSV Vanguard Short-Term Bond ETF | New | 0.99% | +0.99 |
| PHM Pultegroup Inc. | New | 0.96% | +0.96 |
| ANET Arista Networks Inc. | Add +12.4% | 1.60% | +0.89 |
| VGT Vanguard Info Tech ETF | Add +3.5% | 2.12% | +0.82 |
| TOL Toll Brothers Inc. | New | 0.80% | +0.80 |
| NOC Northrop Grumman Corp. | New | 0.77% | +0.77 |
| XLC SS Comm Select Sector SPDR | Add +3.5% | 2.07% | +0.76 |
| C Citigroup Inc. | New | 0.76% | +0.76 |
| FAST Fastenal Co. | New | 0.74% | +0.74 |
| CG The Carlyle Group Inc. | New | 0.71% | +0.71 |
| TROW T Rowe Price Group Inc. | New | 0.69% | +0.69 |
| BX Blackstone Inc. | New | 0.69% | +0.69 |
| CHRW C.H. Robinson Worldwide Inc. | New | 0.67% | +0.67 |
| URI United Rentals Inc. | New | 0.66% | +0.66 |
| DAY Dayforce Inc. | New | 0.64% | +0.64 |
| XYZ Block Inc. | New | 0.63% | +0.63 |
| FLEX Flex Ltd. | New | 0.63% | +0.63 |
| UAL United Airlines Holdings Inc. | Add +16.6% | 1.27% | +0.63 |
| AMD Advanced Micro Devices | New | 0.63% | +0.63 |
| EXPE Expedia Group Inc. | Add +19.6% | 1.18% | +0.62 |
| DAL Delta Air Lines Inc. | New | 0.60% | +0.60 |
| SPHQ Invesco S&P 500 Quality ETF | Add +50.9% | 1.18% | +0.59 |
| TIPX SS SPDR BB 1-10YR Tips ETF | New | 0.56% | +0.56 |
| NTRS Northern Trust Corp. | New | 0.56% | +0.56 |
| TKO Tko Group Holdings Inc. | Add +20.4% | 1.20% | +0.56 |
| CCL Carnival Corp. | New | 0.54% | +0.54 |
| ORCL Oracle Corp. | Add +133.6% | 0.68% | +0.52 |
| TMO Thermo Fisher Scientific Inc. | New | 0.37% | +0.37 |
| GRMN Garmin Ltd. | New | 0.34% | +0.34 |
| HUBB Hubbell Inc. | New | 0.34% | +0.34 |
| DASH DoorDash Inc. Class A | New | 0.33% | +0.33 |
| PH Parker Hannifin Corp. | New | 0.32% | +0.32 |
| NEM Newmont Corp. | New | 0.31% | +0.31 |
| ONC Beone Medicines Ltd.-ADR | New | 0.31% | +0.31 |
All Filings
| Quarter | Positions | 13F Reported Value | Top Holdings |
|---|---|---|---|
| Q2 2026 | 81 | $107.5M | RSP, SPY, GLW, WDC, AMD |
| Q1 2026 | 84 | $71.0M | RSP, VDE, VPU, XLU, SPY |
| Q4 2025 | 93 | $79.7M | RSP, SPY, XLC, XLU, VFH |
| Q3 2025 | 93 | $103.5M | SPY, GBIL, BIL, JPST, USFR |
| Q2 2025 | 144 | $145.1M | SPY, BIL, GBIL, FCOR, IBTH |
| Q1 2025 | 92 | $105.8M | GSEW, GBIL, FDL, BIL, USFR |
| Q4 2024 | 126 | $177.7M | RSP, GBIL, BIL, AOM, SGOV |
| Q3 2024 | 66 | $135.1M | RSP, SPY, XLRE, XLI, GBIL |
| Q2 2024 | 93 | $212.6M | SPY, GBIL, VV, BIL, SCHX |
| Q1 2024 | 90 | $240.5M | SPY, RSP, MOAT, GBIL, FDL |