Retirement Guys Formula LLC

In its 13F for Q3 2024 (holdings as of September 30, 2024, filed October 21, 2024), Retirement Guys Formula LLC reported 128 stock positions worth $215.1 million. Its top holding was Pacer Swan Sos Fund of Funds (PSFF) at 8.7% of the portfolio, followed by Schwab US Large-Cap Growth (SCHG, 7.3%) and Schwab US Large-Cap Value (SCHV, 5.9%). Compared with Q2 2024, it opened 15 new positions, sold out of 11, added to 73 and reduced 37. The biggest buy was Schwab US Large-Cap Value (SCHV, shares +10%) and the biggest sale an exit from State Street SPDR S&P Emergi (GMF).

Most Recent 13F
Q2 2026
Location
MAUMEE, OH
CIK
0001933059
Portfolio Value
$215.1M (Q3 2024)
SEC Filing
0001085146-24-005018 ↗ filed Oct 21, 2024

Holdings Value

0$100.0M$200.0M$300.0M Q1 2024: $205.1M Q1 2024 Q2 2024: $208.6M Q2 2024 Q3 2024: $215.1M $215.1M Q3 2024 Q4 2024: $198.3M Q4 2024 Q1 2025: $201.3M Q1 2025 Q2 2025: $263.3M Q2 2025 Q3 2025: $284.2M Q3 2025 Q4 2025: $219.3M Q4 2025 Q1 2026: $217.4M Q1 2026 Q2 2026: $265.7M Q2 2026

Holdings 128 stocks · $215.1M
PSFF Pacer Swan Sos Fund of Funds 8.66% 647,893 $18.6M Add +4.5%
SCHG Schwab US Large-Cap Growth 7.33% 151,254 $15.8M Add +5.8%
SCHV Schwab US Large-Cap Value 5.90% 157,929 $12.7M Add +9.9%
JEPI JPMorgan Equity Premium Inco 4.58% 165,375 $9.8M Add +8.5%
HEGD Swan Hedged Equity US LG Cap 3.51% 339,379 $7.6M Reduce -2.7%
SCHA Schwab US Small-Cap ETF 2.59% 108,069 $5.6M Reduce -27.6%
AAPL Apple Inc. 2.37% 21,830 $5.1M Reduce -5.2%
VIGI Vanguard Int Div App Indx FD 1.80% 43,754 $3.9M Reduce -1.9%
SCHE Schwab Emrg Mrkts Eqty ETF 1.52% 111,890 $3.3M Reduce -2.0%
VO Vngrd Mrngstr MD-Cap ETF-Usd 1.45% 11,825 $3.1M Reduce -3.6%
QQQ Invesco QQQ Trust Series 1 1.44% 6,343 $3.1M Reduce -1.2%
FVD First Trust Value Line DVD 1.43% 67,535 $3.1M Reduce -1.6%
AAAU Goldman Sachs Physical Gold 1.34% 110,602 $2.9M Add +6.3%
IFRA iShares US Infrastructure 1.29% 59,011 $2.8M Add +8.4%
XLP SS Consumer Staples Sel Sect 1.21% 31,349 $2.6M Reduce -1.8%
VGT Vanguard Info Tech ETF 1.18% 4,342 $2.5M Add +7.6%
DFAU Dimensional US Core Equity M 1.14% 61,624 $2.4M Add +4.4%
WMT Walmart Inc. 1.12% 29,928 $2.4M Add +4.0%
UNH Unitedhealth Group Inc. 1.10% 4,055 $2.4M Reduce -1.0%
DFLV Dim US Large Cap Value ETF 1.05% 73,125 $2.3M Add +4.0%
COST Costco Wholesale Corp. 1.05% 2,539 $2.3M Add +4.8%
DGRW Wisdomtree U.S. Quality Divi 1.04% 26,813 $2.2M Add +3.0%
SIXJ Allian US Equ 6 Mon BU10-Usd 1.04% 75,798 $2.2M Add +8.3%
PEP Pepsico Inc. 0.99% 12,483 $2.1M Add +6.2%
DFAS Dimensional US Small Cap ETF 0.98% 32,608 $2.1M Add +4.0%
DFGR Dim Global Real Estate ETF 0.98% 72,965 $2.1M Add +0.7%
IJR iShares Core S&P Small-Cap E 0.97% 17,897 $2.1M Reduce -1.1%
DFAI Dimensional International Co. 0.97% 65,576 $2.1M Add +1.3%
FV First Trust DW Focus 5 Fund 0.95% 34,882 $2.0M Reduce -3.0%
NVDA Nvidia Corp. 0.93% 16,427 $2.0M Add +166.0%
NFLX Netflix Inc. 0.87% 2,651 $1.9M Add +6.3%
BCD Abrdn Bloomberg All Commodit filed as ABRDN ETFS 0.85% 55,882 $1.8M Reduce -21.0%
META Meta Platforms Inc. Class A 0.84% 3,166 $1.8M Add +4.4%
AMZN Amazon.com Inc. 0.84% 9,696 $1.8M Add +213.2%
AGG iShares Core U.S. Aggregate 0.82% 17,371 $1.8M Add +6.1%
DHI D.R. Horton Inc. 0.79% 8,941 $1.7M Reduce -2.1%
LMT Lockheed Martin Corp. 0.77% 2,839 $1.7M Add +1.6%
BND Vanguard Total Bond Market 0.77% 22,077 $1.7M Reduce -6.5%
MSFT Microsoft Corp. 0.76% 3,823 $1.6M Add +0.2%
ANGL Vaneck Fallen Angel High YLD 0.75% 54,649 $1.6M Add +0.9%
HD Home Depot Inc. 0.75% 3,965 $1.6M Add +0.5%
CAT Caterpillar Inc. 0.74% 4,058 $1.6M Add +3.3%
ANET Arista Networks Inc. 0.73% 4,088 $1.6M Add +5.6%
AVGO Broadcom Inc. 0.72% 8,956 $1.5M Add +5.7%
CMI Cummins Inc. 0.71% 4,747 $1.5M New
MA Mastercard Inc. Class A 0.71% 3,098 $1.5M Add +2.5%
SPY SS SPDR S&P 500 ETF Trust-US 0.69% 2,602 $1.5M Reduce -5.8%
PANW Palo Alto Networks Inc. 0.68% 4,289 $1.5M Add +3.4%
GOOG Alphabet Inc. Class C 0.66% 8,523 $1.4M Add +10.5%
ELV Elevance Health Inc. 0.66% 2,710 $1.4M Add +8.3%
V Visa Inc. Class A 0.65% 5,116 $1.4M Add +4.7%
EOG EOG Resources Inc. 0.63% 11,084 $1.4M Add +3.1%
VRTX Vertex Pharmaceuticals Inc. 0.63% 2,901 $1.3M Add +3.2%
COR Cencora Inc. 0.63% 5,982 $1.3M Add +9.9%
REGN Regeneron Pharmaceuticals 0.62% 1,278 $1.3M Add +7.9%
CPRT Copart Inc. 0.62% 25,611 $1.3M Add +10.5%
SCHD Schwab US DVD Equity ETF 0.61% 15,463 $1.3M Reduce -0.4%
AMAT Applied Materials Inc. 0.60% 6,383 $1.3M Add +13.7%
NXPI NXP Semiconductors NV 0.59% 5,275 $1.3M Add +6.8%
VLO Valero Energy Corp. 0.58% 9,264 $1.3M Add +10.7%
DTE DTE Energy Company 0.53% 8,798 $1.1M Add +4.5%
PG The Procter & Gamble Co. 0.50% 6,160 $1.1M Add +7.1%
DFAE Dimensional Emerging Core Eq 0.49% 38,379 $1.1M Add +0.2%
DISV Dimensional International SM 0.48% 35,591 $1.0M Add +1.1%
MCD McDonald's Corp. 0.46% 3,275 $997K Add +17.1%
KO The Coca-Cola Co. 0.45% 13,462 $967K Add +1.7%
JNJ Johnson & Johnson 0.42% 5,622 $911K Add +7.5%
SO The Southern Co. 0.41% 9,784 $882K Add +12.1%
CVX Chevron Corp. 0.38% 5,613 $827K Add +11.8%
CLX Clorox Company 0.38% 5,061 $825K Add +7.6%
CTAS Cintas Corp. 0.38% 3,955 $814K Reduce -2.5%
DUK Duke Energy Corp. 0.38% 7,053 $813K Add +5.5%
MO Altria Group Inc. 0.38% 15,929 $813K Add +5.9%
XOM Exxon Mobil Corp. 0.37% 6,879 $806K Add +5.8%
UL Unilever PLC 0.37% 12,337 $801K Add +7.1%
AEP American Electric Power 0.37% 7,749 $795K Add +5.3%
GIS General Mills Inc. 0.37% 10,739 $793K Add +7.2%
ZTS Zoetis Inc. 0.37% 4,041 $789K Add +3.6%
KAPR Innovator U.S. Small Cap Pow 0.36% 23,964 $778K New
AWK American Water Works Co. Inc. 0.36% 5,294 $774K Add +3.4%
MDLZ Mondelez International Inc. Class A 0.36% 10,506 $774K Add +9.6%
CL Colgate-Palmolive Co. 0.35% 7,338 $762K Add +9.8%
TJX TJX Companies Inc. filed as TJX COS INC NEW 0.35% 6,437 $757K Add +2.9%
KMB Kimberly-Clark Corp. 0.35% 5,275 $751K Add +9.6%
YUM Yum! Brands Inc. 0.35% 5,341 $746K Add +11.1%
ECL Ecolab Inc. 0.35% 2,921 $746K Add +10.4%
HSY The Hershey Co. 0.33% 3,732 $716K Add +9.4%
JPST JPMorgan Ultra-Short Income 0.33% 14,100 $715K New
ARKK ARK Innovation ETF 0.33% 14,881 $707K New
WM Waste Management Inc. 0.33% 3,404 $707K Add +11.7%
RSG Republic Services Inc. 0.33% 3,507 $704K New
FTCS First Trust Capital Strength 0.23% 5,485 $498K Reduce -3.7%
SCHZ Schwab US Aggregate Bond ETF 0.23% 10,188 $484K Add +2.8%
SCHX Schwab US Large-Cap ETF 0.22% 6,900 $468K Reduce -1.5%
CGGR Cap Group Growth Equity 0.22% 13,345 $464K Reduce -3.3%
UJUL Innovator U.S. Equity Ultra 0.21% 13,087 $444K Reduce -0.0%
PAPR Innovator U.S. Equity Power 0.19% 11,624 $418K Reduce -0.2%
OC Owens Corning 0.16% 1,939 $342K Add +3.1%
VB Vanguard Most SM-Cap ETF-Usd 0.16% 1,432 $340K Reduce -17.0%
NJAN Innovator Growth 100 Power B 0.15% 7,013 $326K Reduce -0.2%
LMBS First Trust Low Duration Opp 0.14% 6,292 $311K No change
FGD First Trust DJ GL Sel DVD 0.14% 12,465 $304K Reduce -4.9%
QYLD Global X Nasd 100 Cov Call 0.14% 16,270 $294K Reduce -0.0%
PJUL Innovator U.S. Equity Power 0.13% 7,163 $290K No change
VTV Vanguard Mrngstr Val ETF-Aui 0.13% 1,549 $270K Reduce -19.3%
IBM Intl Business Machines Corp. filed as INTERNATIONAL BUSINESS MACHS 0.12% 1,166 $258K Reduce -5.1%
BRK.B Berkshire Hathaway Inc. Class B 0.12% 556 $256K Reduce -11.9%
IRT Independence Realty Trust Inc. 0.12% 12,476 $256K No change
MGK Vngrd Mrgstr MG CP GR ETF-Ui 0.12% 792 $255K Reduce -23.2%
UMAY Innovator U.S. Equity Ultra 0.11% 7,333 $242K Reduce -37.4%
BSJQ Invesco Bulletshares 2026 HY 0.11% 10,296 $242K Add +0.7%
XLE SS Energy Select Sector 0.11% 2,748 $241K Add +0.3%
DMAY FT Vest US Equity Deep Buffe 0.11% 6,026 $241K Reduce -72.7%
CORT Corcept Therapeutics Inc. 0.11% 5,078 $235K New
UAUG Innovator U.S. Equity Ultra 0.11% 6,678 $234K Reduce -5.5%
VZ Verizon Communications Inc. 0.11% 5,191 $233K Reduce -2.4%
BLD Topbuild Corp. 0.10% 554 $225K Reduce -5.9%
VXUS Vanguard Total Intl Stock 0.10% 3,477 $225K Reduce -20.8%
EME Emcor Group Inc. 0.10% 513 $221K New
FIX Comfort Systems USA Inc. 0.10% 564 $220K New
T AT&T Inc. 0.10% 9,518 $209K New
AIT Applied Industrial Tech Inc. 0.10% 924 $206K New
AMPH Amphastar Pharmaceuticals Inc. 0.09% 4,185 $203K New
PLUS Eplus Inc. 0.09% 2,063 $203K New
LRN Stride Inc. 0.09% 2,375 $203K New
BMAY Innovator U.S. Equity Buffer 0.09% 5,085 $201K New
MLI Mueller Industries Inc. 0.09% 2,705 $200K New
GALT Galectin Therapeutics Inc. 0.08% 63,817 $175K Add +55.1%

Portfolio Sells Q2 2024 → Q3 2024
GMF State Street SPDR S&P Emergi Sold out 0.00% −2.36
FEZ State Street SPDR Euro Stoxx Sold out 0.00% −2.17
JPXN iShares JPX-Nikkei 400 ETF Sold out 0.00% −1.11
SCHA Schwab US Small-Cap ETF Reduce -27.6% 2.59% −0.81
NUE Nucor Corp. Sold out 0.00% −0.64
DE Deere & Co. Sold out 0.00% −0.63
ON On Semiconductor Sold out 0.00% −0.62
PMAY Innovator U.S. Equity Power Sold out 0.00% −0.37
KR Kroger Co. Sold out 0.00% −0.32
DMAY FT Vest US Equity Deep Buffe Reduce -72.7% 0.11% −0.29
BCD Abrdn Bloomberg All Commodit Reduce -21.0% 0.85% −0.25
KRG Kite Realty Group Trust Sold out 0.00% −0.13
VUG Vanguard Mrngstar GR ETF-Sui Sold out 0.00% −0.10
TSLA Tesla Inc. Sold out 0.00% −0.10
UMAY Innovator U.S. Equity Ultra Reduce -37.4% 0.11% −0.07
HEGD Swan Hedged Equity US LG Cap Reduce -2.7% 3.51% −0.04
BND Vanguard Total Bond Market Reduce -6.5% 0.77% −0.04
FV First Trust DW Focus 5 Fund Reduce -3.0% 0.95% −0.04
MGK Vngrd Mrgstr MG CP GR ETF-Ui Reduce -23.2% 0.12% −0.04
QQQ Invesco QQQ Trust Series 1 Reduce -1.2% 1.44% −0.03
SPY SS SPDR S&P 500 ETF Trust-US Reduce -5.8% 0.69% −0.03
VB Vanguard Most SM-Cap ETF-Usd Reduce -17.0% 0.16% −0.02
VXUS Vanguard Total Intl Stock Reduce -20.8% 0.10% −0.02
VTV Vanguard Mrngstr Val ETF-Aui Reduce -19.3% 0.13% −0.02
UAUG Innovator U.S. Equity Ultra Reduce -5.5% 0.11% −0.01
BRK.B Berkshire Hathaway Inc. Class B Reduce -11.9% 0.12% −0.00
BLD Topbuild Corp. Reduce -5.9% 0.10% −0.00
CGGR Cap Group Growth Equity Reduce -3.3% 0.22% −0.00
QYLD Global X Nasd 100 Cov Call Reduce -0.0% 0.14% −0.00
NJAN Innovator Growth 100 Power B Reduce -0.2% 0.15% −0.00
PAPR Innovator U.S. Equity Power Reduce -0.2% 0.19% +0.00
FGD First Trust DJ GL Sel DVD Reduce -4.9% 0.14% +0.00
SCHX Schwab US Large-Cap ETF Reduce -1.5% 0.22% +0.00
FTCS First Trust Capital Strength Reduce -3.7% 0.23% +0.00
UJUL Innovator U.S. Equity Ultra Reduce -0.0% 0.21% +0.00
VZ Verizon Communications Inc. Reduce -2.4% 0.11% +0.00
IBM Intl Business Machines Corp. Reduce -5.1% 0.12% +0.02
VO Vngrd Mrngstr MD-Cap ETF-Usd Reduce -3.6% 1.45% +0.03
SCHD Schwab US DVD Equity ETF Reduce -0.4% 0.61% +0.03
XLP SS Consumer Staples Sel Sect Reduce -1.8% 1.21% +0.04
CTAS Cintas Corp. Reduce -2.5% 0.38% +0.04
AAPL Apple Inc. Reduce -5.2% 2.37% +0.04
IJR iShares Core S&P Small-Cap E Reduce -1.1% 0.97% +0.05
VIGI Vanguard Int Div App Indx FD Reduce -1.9% 1.80% +0.06
SCHE Schwab Emrg Mrkts Eqty ETF Reduce -2.0% 1.52% +0.06
FVD First Trust Value Line DVD Reduce -1.6% 1.43% +0.09
UNH Unitedhealth Group Inc. Reduce -1.0% 1.10% +0.10
DHI D.R. Horton Inc. Reduce -2.1% 0.79% +0.18

Portfolio Buys Q2 2024 → Q3 2024
SCHV Schwab US Large-Cap Value Add +9.9% 5.90% +0.80
CMI Cummins Inc. New 0.71% +0.71
NVDA Nvidia Corp. Add +166.0% 0.93% +0.56
AMZN Amazon.com Inc. Add +213.2% 0.84% +0.55
JEPI JPMorgan Equity Premium Inco Add +8.5% 4.58% +0.43
SCHG Schwab US Large-Cap Growth Add +5.8% 7.33% +0.42
PSFF Pacer Swan Sos Fund of Funds Add +4.5% 8.66% +0.40
KAPR Innovator U.S. Small Cap Pow New 0.36% +0.36
JPST JPMorgan Ultra-Short Income New 0.33% +0.33
ARKK ARK Innovation ETF New 0.33% +0.33
RSG Republic Services Inc. New 0.33% +0.33
AAAU Goldman Sachs Physical Gold Add +6.3% 1.34% +0.19
IFRA iShares US Infrastructure Add +8.4% 1.29% +0.19
WMT Walmart Inc. Add +4.0% 1.12% +0.19
LMT Lockheed Martin Corp. Add +1.6% 0.77% +0.15
MCD McDonald's Corp. Add +17.1% 0.46% +0.12
DFGR Dim Global Real Estate ETF Add +0.7% 0.98% +0.11
CAT Caterpillar Inc. Add +3.3% 0.74% +0.11
META Meta Platforms Inc. Class A Add +4.4% 0.84% +0.11
CORT Corcept Therapeutics Inc. New 0.11% +0.11
EME Emcor Group Inc. New 0.10% +0.10
FIX Comfort Systems USA Inc. New 0.10% +0.10
T AT&T Inc. New 0.10% +0.10
HD Home Depot Inc. Add +0.5% 0.75% +0.10
AIT Applied Industrial Tech Inc. New 0.10% +0.10
AMPH Amphastar Pharmaceuticals Inc. New 0.09% +0.09
PLUS Eplus Inc. New 0.09% +0.09
LRN Stride Inc. New 0.09% +0.09
BMAY Innovator U.S. Equity Buffer New 0.09% +0.09
MLI Mueller Industries Inc. New 0.09% +0.09
SO The Southern Co. Add +12.1% 0.41% +0.09
SIXJ Allian US Equ 6 Mon BU10-Usd Add +8.3% 1.04% +0.08
DFAS Dimensional US Small Cap ETF Add +4.0% 0.98% +0.08
ANET Arista Networks Inc. Add +5.6% 0.73% +0.08
DTE DTE Energy Company Add +4.5% 0.53% +0.08
DFAU Dimensional US Core Equity M Add +4.4% 1.14% +0.08
CLX Clorox Company Add +7.6% 0.38% +0.08
DFLV Dim US Large Cap Value ETF Add +4.0% 1.05% +0.07
MA Mastercard Inc. Class A Add +2.5% 0.71% +0.07
VGT Vanguard Info Tech ETF Add +7.6% 1.18% +0.07
UL Unilever PLC Add +7.1% 0.37% +0.07
NFLX Netflix Inc. Add +6.3% 0.87% +0.07
AVGO Broadcom Inc. Add +5.7% 0.72% +0.07
GIS General Mills Inc. Add +7.2% 0.37% +0.07
DGRW Wisdomtree U.S. Quality Divi Add +3.0% 1.04% +0.06
AEP American Electric Power Add +5.3% 0.37% +0.06
MDLZ Mondelez International Inc. Class A Add +9.6% 0.36% +0.06
COST Costco Wholesale Corp. Add +4.8% 1.05% +0.06
PEP Pepsico Inc. Add +6.2% 0.99% +0.06
JNJ Johnson & Johnson Add +7.5% 0.42% +0.06

All Filings

QuarterPositions13F Reported ValueTop Holdings
Q2 2026 158$265.7MJPST, HEGD, QQQ, VO, AAPL
Q1 2026 154$217.4MJPST, HEGD, QQQ, AAPL, JEPI
Q4 2025 150$219.3MJPST, HEGD, QQQ, SCHG, AAPL
Q3 2025 169$284.2MSCHG, PSFF, JPST, SCHV, AAAU
Q2 2025 145$263.3MSCHG, PSFF, SCHV, HEGD, JPST
Q1 2025 137$201.3MPSFF, JPST, HEGD, AAAU, BCD
Q4 2024 135$198.3MSCHG, PSFF, JEPI, HEGD, JPST
Q3 2024 128$215.1MPSFF, SCHG, SCHV, JEPI, HEGD
Q2 2024 124$208.6MPSFF, SCHG, SCHV, JEPI, HEGD
Q1 2024 123$205.1MPSFF, SCHG, SCHV, JEPI, HEGD