Retirement Guys Formula LLC
In its 13F for Q1 2025 (holdings as of March 31, 2025, filed April 23, 2025), Retirement Guys Formula LLC reported 137 stock positions worth $201.3 million. Its top holding was Pacer Swan Sos Fund of Funds (PSFF) at 5.0% of the portfolio, followed by JPMorgan Ultra-Short Income (JPST, 4.1%) and Swan Hedged Equity US LG Cap (HEGD, 3.4%). Compared with Q4 2024, it opened 33 new positions, sold out of 31, added to 60 and reduced 36. The biggest buy was Goldman Sachs Physical Gold (AAAU, shares +1233%) and the biggest sale Schwab US Large-Cap Growth (SCHG, shares −86%).
- Most Recent 13F
- Q2 2026
- Location
- MAUMEE, OH
- CIK
- 0001933059
- Portfolio Value
- $201.3M (Q1 2025)
- SEC Filing
- 0001085146-25-002259 ↗ filed Apr 23, 2025
Holdings Value
Holdings 137 stocks · $201.3M
| PSFF Pacer Swan Sos Fund of Funds | 5.04% | 355,161 | $10.1M | Reduce -32.1% |
| JPST JPMorgan Ultra-Short Income | 4.14% | 164,738 | $8.3M | Add +36.3% |
| HEGD Swan Hedged Equity US LG Cap | 3.37% | 309,714 | $6.8M | Reduce -5.9% |
| AAAU Goldman Sachs Physical Gold | 3.33% | 217,082 | $6.7M | Add +1232.8% |
| BCD Abrdn Bloomberg All Commodit filed as ABRDN ETFS | 2.63% | 155,053 | $5.3M | New |
| AAPL Apple Inc. | 2.40% | 21,742 | $4.8M | Add +4.7% |
| SPY SS SPDR S&P 500 ETF Trust-US | 2.35% | 8,470 | $4.7M | Add +223.8% |
| JEPI JPMorgan Equity Premium Inco | 1.97% | 69,407 | $4.0M | Reduce -61.5% |
| QQQ Invesco QQQ Trust Series 1 | 1.94% | 8,339 | $3.9M | Add +18.9% |
| VO Vngrd Mrngstr MD-Cap ETF-Usd | 1.79% | 13,923 | $3.6M | Add +11.8% |
| VIGI Vanguard Int Div App Indx FD | 1.72% | 41,778 | $3.5M | Reduce -3.1% |
| SCHE Schwab Emrg Mrkts Eqty ETF | 1.64% | 119,374 | $3.3M | Reduce -3.0% |
| HELO JPMorgan Hedged Equity ETF | 1.50% | 50,528 | $3.0M | Add +4.5% |
| UNH Unitedhealth Group Inc. | 1.43% | 5,513 | $2.9M | Add +34.6% |
| FVD First Trust Value Line DVD | 1.41% | 63,590 | $2.8M | Reduce -3.2% |
| VXUS Vanguard Total Intl Stock | 1.38% | 44,754 | $2.8M | Add +413.9% |
| COST Costco Wholesale Corp. | 1.35% | 2,874 | $2.7M | Add +8.9% |
| KNG FT Vest S&P 500 DVD Arst TRG | 1.25% | 49,783 | $2.5M | New |
| XLP SS Consumer Staples Sel Sect | 1.20% | 29,511 | $2.4M | Reduce -3.8% |
| JEPQ JPM Nasdaq Equity Premium filed as J P MORGAN EXCHANGE TRADED F | 1.17% | 45,405 | $2.4M | New |
| SIXJ Allian US Equ 6 Mon BU10-Usd | 1.16% | 77,651 | $2.3M | Reduce -2.8% |
| NFLX Netflix Inc. | 1.07% | 2,304 | $2.1M | Reduce -10.1% |
| SCHG Schwab US Large-Cap Growth | 1.03% | 82,456 | $2.1M | Reduce -86.1% |
| NVDA Nvidia Corp. | 1.02% | 19,033 | $2.1M | Add +13.7% |
| AMZN Amazon.com Inc. | 0.94% | 9,967 | $1.9M | Add +4.2% |
| COR Cencora Inc. | 0.92% | 6,663 | $1.9M | Add +7.6% |
| FV First Trust DW Focus 5 Fund | 0.91% | 33,430 | $1.8M | Reduce -0.4% |
| ETN Eaton Corp. PLC | 0.91% | 6,738 | $1.8M | New |
| ELV Elevance Health Inc. | 0.90% | 4,167 | $1.8M | Add +49.1% |
| META Meta Platforms Inc. Class A | 0.88% | 3,090 | $1.8M | Reduce -2.8% |
| MSFT Microsoft Corp. | 0.88% | 4,741 | $1.8M | Add +20.9% |
| V Visa Inc. Class A | 0.88% | 5,072 | $1.8M | Reduce -1.9% |
| MRK Merck & Co. Inc. | 0.87% | 19,528 | $1.8M | New |
| MA Mastercard Inc. Class A | 0.85% | 3,135 | $1.7M | Add +0.3% |
| TJX TJX Companies Inc. filed as TJX COS INC NEW | 0.85% | 13,994 | $1.7M | Add +98.7% |
| GD General Dynamics Corp. | 0.84% | 6,209 | $1.7M | New |
| EOG EOG Resources Inc. | 0.82% | 12,821 | $1.6M | Add +19.7% |
| DFLV Dim US Large Cap Value ETF | 0.82% | 53,727 | $1.6M | Reduce -16.5% |
| DGRW Wisdomtree U.S. Quality Divi | 0.81% | 20,394 | $1.6M | Reduce -13.4% |
| UBER Uber Technologies Inc. | 0.80% | 22,215 | $1.6M | New |
| GOOG Alphabet Inc. Class C | 0.80% | 10,352 | $1.6M | Add +16.2% |
| LLY Eli Lilly & Co. | 0.80% | 1,953 | $1.6M | New |
| DFAU Dimensional US Core Equity M | 0.80% | 41,672 | $1.6M | Reduce -25.7% |
| DHI D.R. Horton Inc. | 0.77% | 12,143 | $1.5M | Add +42.9% |
| CAT Caterpillar Inc. | 0.77% | 4,669 | $1.5M | Add +13.7% |
| VGT Vanguard Info Tech ETF | 0.76% | 2,829 | $1.5M | Reduce -29.4% |
| CMI Cummins Inc. | 0.76% | 4,888 | $1.5M | Add +4.7% |
| IJR iShares Core S&P Small-Cap E | 0.73% | 14,157 | $1.5M | Add +4.6% |
| QCOM Qualcomm Inc. | 0.73% | 9,706 | $1.5M | New |
| DFAS Dimensional US Small Cap ETF | 0.73% | 24,459 | $1.5M | Reduce -13.8% |
| SYK Stryker Corp. | 0.72% | 3,884 | $1.4M | New |
| VUG Vanguard Mrngstar GR ETF-Sui | 0.71% | 4,268 | $1.4M | Add +205.3% |
| DTE DTE Energy Company | 0.71% | 10,283 | $1.4M | Add +7.6% |
| JCPB JPMorgan Core Plus Bond ETF | 0.70% | 29,978 | $1.4M | Reduce -3.4% |
| ADBE Adobe Inc. | 0.70% | 3,657 | $1.4M | New |
| AMAT Applied Materials Inc. | 0.69% | 9,639 | $1.4M | Add +38.3% |
| ANGL Vaneck Fallen Angel High YLD | 0.69% | 48,326 | $1.4M | Reduce -12.2% |
| VB Vanguard Most SM-Cap ETF-Usd | 0.69% | 6,229 | $1.4M | Add +137.3% |
| ANET Arista Networks Inc. | 0.68% | 17,535 | $1.4M | Add +7.5% |
| VTV Vanguard Mrngstr Val ETF-Aui | 0.67% | 8,125 | $1.3M | Add +149.4% |
| ORCL Oracle Corp. | 0.65% | 9,409 | $1.3M | New |
| MO Altria Group Inc. | 0.65% | 21,905 | $1.3M | Add +15.3% |
| SCHD Schwab US DVD Equity ETF | 0.65% | 46,755 | $1.3M | Add +0.5% |
| MCD McDonald's Corp. | 0.63% | 4,069 | $1.3M | Add +18.3% |
| JNJ Johnson & Johnson | 0.63% | 7,619 | $1.3M | Add +28.7% |
| VZ Verizon Communications Inc. | 0.62% | 27,669 | $1.3M | Add +439.1% |
| KO The Coca-Cola Co. | 0.61% | 17,245 | $1.2M | Add +16.4% |
| CVX Chevron Corp. | 0.60% | 7,185 | $1.2M | Add +25.4% |
| XOM Exxon Mobil Corp. | 0.60% | 10,105 | $1.2M | Add +25.8% |
| EZBC Franklin Bitcoin ETF | 0.57% | 24,221 | $1.2M | Reduce -7.6% |
| AEP American Electric Power | 0.56% | 10,374 | $1.1M | Add +18.1% |
| DUK Duke Energy Corp. | 0.55% | 9,058 | $1.1M | Add +16.2% |
| CTA Simplify Managed Futures St | 0.54% | 36,486 | $1.1M | Add +218.3% |
| WM Waste Management Inc. | 0.53% | 4,607 | $1.1M | Add +21.1% |
| AWK American Water Works Co. Inc. | 0.52% | 7,144 | $1.1M | Add +24.8% |
| MDLZ Mondelez International Inc. Class A | 0.52% | 15,479 | $1.1M | Add +33.8% |
| BLV Vanguard Long-Term Bond ETF | 0.52% | 14,854 | $1.0M | New |
| HSY The Hershey Co. | 0.52% | 6,064 | $1.0M | Add +49.0% |
| GIS General Mills Inc. | 0.51% | 17,244 | $1.0M | Add +46.4% |
| PEP Pepsico Inc. | 0.51% | 6,890 | $1.0M | Reduce -44.7% |
| KMB Kimberly-Clark Corp. | 0.50% | 7,103 | $1.0M | Add +23.1% |
| ECL Ecolab Inc. | 0.50% | 3,969 | $1.0M | Add +19.1% |
| MKC McCormick & Co.-Non VTG SHRS | 0.49% | 12,002 | $988K | New |
| CL Colgate-Palmolive Co. | 0.49% | 10,521 | $986K | Add +24.3% |
| UL Unilever PLC | 0.49% | 16,414 | $977K | Add +20.1% |
| CLX Clorox Company | 0.47% | 6,436 | $948K | Add +18.1% |
| ABT Abbott Laboratories | 0.47% | 7,069 | $938K | New |
| NVS Novartis AG-Sponsored ADR | 0.47% | 8,407 | $937K | New |
| K Kellanova | 0.46% | 11,327 | $934K | New |
| NEE Nextera Energy Inc. | 0.46% | 13,067 | $926K | New |
| ZTS Zoetis Inc. | 0.46% | 5,574 | $918K | Add +31.5% |
| ADP Automatic Data Processing | 0.45% | 2,983 | $911K | New |
| MGK Vngrd Mrgstr MG CP GR ETF-Ui | 0.41% | 2,681 | $828K | Add +64.3% |
| IVV iShares Core S&P 500 ETF | 0.32% | 1,191 | $642K | New |
| PG The Procter & Gamble Co. | 0.29% | 3,458 | $589K | Reduce -51.9% |
| KOCT Innovator U.S. Small Cap Pow | 0.27% | 18,703 | $547K | New |
| IBM Intl Business Machines Corp. filed as INTERNATIONAL BUSINESS MACHS | 0.26% | 2,126 | $516K | Add +88.0% |
| VEA Vanguard Ftse Developed ETF | 0.23% | 8,918 | $455K | New |
| SCHZ Schwab US Aggregate Bond ETF | 0.23% | 19,589 | $454K | Reduce -1.3% |
| SCHX Schwab US Large-Cap ETF | 0.22% | 20,191 | $446K | Reduce -2.8% |
Portfolio Sells Q4 2024 → Q1 2025
| SCHG Schwab US Large-Cap Growth | Reduce -86.1% | 1.03% | −7.32 |
| JEPI JPMorgan Equity Premium Inco | Reduce -61.5% | 1.97% | −3.26 |
| PSFF Pacer Swan Sos Fund of Funds | Reduce -32.1% | 5.04% | −2.68 |
| WMT Walmart Inc. | Reduce -92.3% | 0.11% | −1.27 |
| AVGO Broadcom Inc. | Sold out | 0.00% | −1.04 |
| DFAI Dimensional International Co. | Sold out | 0.00% | −0.85 |
| DFGR Dim Global Real Estate ETF | Sold out | 0.00% | −0.81 |
| PANW Palo Alto Networks Inc. | Sold out | 0.00% | −0.79 |
| HD Home Depot Inc. | Sold out | 0.00% | −0.79 |
| CPRT Copart Inc. | Sold out | 0.00% | −0.78 |
| LMT Lockheed Martin Corp. | Sold out | 0.00% | −0.70 |
| BND Vanguard Total Bond Market | Sold out | 0.00% | −0.63 |
| VRTX Vertex Pharmaceuticals Inc. | Sold out | 0.00% | −0.61 |
| VLO Valero Energy Corp. | Sold out | 0.00% | −0.60 |
| NXPI NXP Semiconductors NV | Sold out | 0.00% | −0.54 |
| VGT Vanguard Info Tech ETF | Reduce -29.4% | 0.76% | −0.49 |
| REGN Regeneron Pharmaceuticals | Sold out | 0.00% | −0.48 |
| PEP Pepsico Inc. | Reduce -44.7% | 0.51% | −0.44 |
| SO The Southern Co. | Sold out | 0.00% | −0.44 |
| DFAE Dimensional Emerging Core Eq | Sold out | 0.00% | −0.43 |
| DISV Dimensional International SM | Sold out | 0.00% | −0.42 |
| ARKK ARK Innovation ETF | Sold out | 0.00% | −0.41 |
| YUM Yum! Brands Inc. | Sold out | 0.00% | −0.40 |
| CTAS Cintas Corp. | Sold out | 0.00% | −0.39 |
| KAPR Innovator U.S. Small Cap Pow | Sold out | 0.00% | −0.38 |
| RSG Republic Services Inc. | Sold out | 0.00% | −0.38 |
| DFAU Dimensional US Core Equity M | Reduce -25.7% | 0.80% | −0.35 |
| HEGD Swan Hedged Equity US LG Cap | Reduce -5.9% | 3.37% | −0.35 |
| PG The Procter & Gamble Co. | Reduce -51.9% | 0.29% | −0.31 |
| DFAS Dimensional US Small Cap ETF | Reduce -13.8% | 0.73% | −0.21 |
| OC Owens Corning | Sold out | 0.00% | −0.17 |
| NJAN Innovator Growth 100 Power B | Sold out | 0.00% | −0.17 |
| DFLV Dim US Large Cap Value ETF | Reduce -16.5% | 0.82% | −0.16 |
| DGRW Wisdomtree U.S. Quality Divi | Reduce -13.4% | 0.81% | −0.15 |
| KRG Kite Realty Group Trust | Sold out | 0.00% | −0.15 |
| EZBC Franklin Bitcoin ETF | Reduce -7.6% | 0.57% | −0.14 |
| LRN Stride Inc. | Sold out | 0.00% | −0.12 |
| IBKR Interactive Brokers Gro Class A | Sold out | 0.00% | −0.12 |
| EME Emcor Group Inc. | Sold out | 0.00% | −0.11 |
| UAUG Innovator U.S. Equity Ultra | Sold out | 0.00% | −0.11 |
| FIX Comfort Systems USA Inc. | Sold out | 0.00% | −0.11 |
| EVR Evercore Inc. Class A | Sold out | 0.00% | −0.11 |
| ANGL Vaneck Fallen Angel High YLD | Reduce -12.2% | 0.69% | −0.10 |
| MLI Mueller Industries Inc. | Sold out | 0.00% | −0.10 |
| DKS Dick's Sporting Goods Inc. | Sold out | 0.00% | −0.10 |
| FV First Trust DW Focus 5 Fund | Reduce -0.4% | 0.91% | −0.09 |
| NFLX Netflix Inc. | Reduce -10.1% | 1.07% | −0.08 |
| SIXJ Allian US Equ 6 Mon BU10-Usd | Reduce -2.8% | 1.16% | −0.07 |
| PAPR Innovator U.S. Equity Power | Reduce -22.6% | 0.16% | −0.06 |
| FTCS First Trust Capital Strength | Reduce -23.3% | 0.18% | −0.05 |
Portfolio Buys Q4 2024 → Q1 2025
| AAAU Goldman Sachs Physical Gold | Add +1232.8% | 3.33% | +3.12 |
| BCD Abrdn Bloomberg All Commodit | New | 2.63% | +2.63 |
| SPY SS SPDR S&P 500 ETF Trust-US | Add +223.8% | 2.35% | +1.58 |
| KNG FT Vest S&P 500 DVD Arst TRG | New | 1.25% | +1.25 |
| JEPQ JPM Nasdaq Equity Premium | New | 1.17% | +1.17 |
| VXUS Vanguard Total Intl Stock | Add +413.9% | 1.38% | +1.12 |
| JPST JPMorgan Ultra-Short Income | Add +36.3% | 4.14% | +1.07 |
| ETN Eaton Corp. PLC | New | 0.91% | +0.91 |
| MRK Merck & Co. Inc. | New | 0.87% | +0.87 |
| GD General Dynamics Corp. | New | 0.84% | +0.84 |
| UBER Uber Technologies Inc. | New | 0.80% | +0.80 |
| LLY Eli Lilly & Co. | New | 0.80% | +0.80 |
| QCOM Qualcomm Inc. | New | 0.73% | +0.73 |
| SYK Stryker Corp. | New | 0.72% | +0.72 |
| ADBE Adobe Inc. | New | 0.70% | +0.70 |
| ORCL Oracle Corp. | New | 0.65% | +0.65 |
| BLV Vanguard Long-Term Bond ETF | New | 0.52% | +0.52 |
| VZ Verizon Communications Inc. | Add +439.1% | 0.62% | +0.52 |
| MKC McCormick & Co.-Non VTG SHRS | New | 0.49% | +0.49 |
| ABT Abbott Laboratories | New | 0.47% | +0.47 |
| NVS Novartis AG-Sponsored ADR | New | 0.47% | +0.47 |
| K Kellanova | New | 0.46% | +0.46 |
| NEE Nextera Energy Inc. | New | 0.46% | +0.46 |
| ADP Automatic Data Processing | New | 0.45% | +0.45 |
| VUG Vanguard Mrngstar GR ETF-Sui | Add +205.3% | 0.71% | +0.42 |
| TJX TJX Companies Inc. | Add +98.7% | 0.85% | +0.42 |
| UNH Unitedhealth Group Inc. | Add +34.6% | 1.43% | +0.39 |
| VTV Vanguard Mrngstr Val ETF-Aui | Add +149.4% | 0.67% | +0.39 |
| ELV Elevance Health Inc. | Add +49.1% | 0.90% | +0.38 |
| CTA Simplify Managed Futures St | Add +218.3% | 0.54% | +0.38 |
| VB Vanguard Most SM-Cap ETF-Usd | Add +137.3% | 0.69% | +0.37 |
| IVV iShares Core S&P 500 ETF | New | 0.32% | +0.32 |
| KOCT Innovator U.S. Small Cap Pow | New | 0.27% | +0.27 |
| VEA Vanguard Ftse Developed ETF | New | 0.23% | +0.23 |
| COR Cencora Inc. | Add +7.6% | 0.92% | +0.22 |
| VTI VG Morningstar TS MKT ETF-US | New | 0.21% | +0.21 |
| JNJ Johnson & Johnson | Add +28.7% | 0.63% | +0.20 |
| CVX Chevron Corp. | Add +25.4% | 0.60% | +0.18 |
| MDLZ Mondelez International Inc. Class A | Add +33.8% | 0.52% | +0.17 |
| DHI D.R. Horton Inc. | Add +42.9% | 0.77% | +0.17 |
| HSY The Hershey Co. | Add +49.0% | 0.52% | +0.17 |
| AWK American Water Works Co. Inc. | Add +24.8% | 0.52% | +0.16 |
| XOM Exxon Mobil Corp. | Add +25.8% | 0.60% | +0.16 |
| EOG EOG Resources Inc. | Add +19.7% | 0.82% | +0.15 |
| AEP American Electric Power | Add +18.1% | 0.56% | +0.15 |
| MO Altria Group Inc. | Add +15.3% | 0.65% | +0.15 |
| KO The Coca-Cola Co. | Add +16.4% | 0.61% | +0.15 |
| WM Waste Management Inc. | Add +21.1% | 0.53% | +0.14 |
| GIS General Mills Inc. | Add +46.4% | 0.51% | +0.13 |
| QQQ Invesco QQQ Trust Series 1 | Add +18.9% | 1.94% | +0.13 |
All Filings
| Quarter | Positions | 13F Reported Value | Top Holdings |
|---|---|---|---|
| Q2 2026 | 158 | $265.7M | JPST, HEGD, QQQ, VO, AAPL |
| Q1 2026 | 154 | $217.4M | JPST, HEGD, QQQ, AAPL, JEPI |
| Q4 2025 | 150 | $219.3M | JPST, HEGD, QQQ, SCHG, AAPL |
| Q3 2025 | 169 | $284.2M | SCHG, PSFF, JPST, SCHV, AAAU |
| Q2 2025 | 145 | $263.3M | SCHG, PSFF, SCHV, HEGD, JPST |
| Q1 2025 | 137 | $201.3M | PSFF, JPST, HEGD, AAAU, BCD |
| Q4 2024 | 135 | $198.3M | SCHG, PSFF, JEPI, HEGD, JPST |
| Q3 2024 | 128 | $215.1M | PSFF, SCHG, SCHV, JEPI, HEGD |
| Q2 2024 | 124 | $208.6M | PSFF, SCHG, SCHV, JEPI, HEGD |
| Q1 2024 | 123 | $205.1M | PSFF, SCHG, SCHV, JEPI, HEGD |