Retirement Guys Formula LLC
In its 13F for Q2 2025 (holdings as of June 30, 2025, filed July 15, 2025), Retirement Guys Formula LLC reported 145 stock positions worth $263.3 million. Its top holding was Schwab US Large-Cap Growth (SCHG) at 7.1% of the portfolio, followed by Pacer Swan Sos Fund of Funds (PSFF, 5.5%) and Schwab US Large-Cap Value (SCHV, 3.0%). Compared with Q1 2025, it opened 18 new positions, sold out of 10, added to 74 and reduced 43. The biggest buy was Schwab US Large-Cap Growth (SCHG, shares +674%) and the biggest sale Abrdn Bloomberg All Commodit (BCD, shares −42%).
- Most Recent 13F
- Q2 2026
- Location
- MAUMEE, OH
- CIK
- 0001933059
- Portfolio Value
- $263.3M (Q2 2025)
- SEC Filing
- 0001085146-25-003808 ↗ filed Jul 15, 2025
Holdings Value
Holdings 145 stocks · $263.3M
| SCHG Schwab US Large-Cap Growth | 7.08% | 638,555 | $18.7M | Add +674.4% |
| PSFF Pacer Swan Sos Fund of Funds | 5.47% | 472,765 | $14.4M | Add +33.1% |
| SCHV Schwab US Large-Cap Value | 2.96% | 281,500 | $7.8M | New |
| HEGD Swan Hedged Equity US LG Cap | 2.76% | 308,847 | $7.3M | Reduce -0.3% |
| JPST JPMorgan Ultra-Short Income | 2.66% | 138,223 | $7.0M | Reduce -16.1% |
| AAAU Goldman Sachs Physical Gold | 2.59% | 208,448 | $6.8M | Reduce -4.0% |
| SOXQ Invesco PHLX Semiconductor | 2.07% | 125,067 | $5.5M | New |
| VWO Vanguard Ftse Emerging Marke | 2.04% | 108,815 | $5.4M | New |
| QQQ Invesco QQQ Trust Series 1 | 1.98% | 9,433 | $5.2M | Add +13.1% |
| FEZ State Street SPDR Euro Stoxx | 1.96% | 86,351 | $5.2M | New |
| AAPL Apple Inc. | 1.74% | 22,285 | $4.6M | Add +2.5% |
| SPY SS SPDR S&P 500 ETF Trust-US | 1.54% | 6,559 | $4.1M | Reduce -22.6% |
| JEPI JPMorgan Equity Premium Inco | 1.54% | 71,285 | $4.1M | Add +2.7% |
| VO Vngrd Mrngstr MD-Cap ETF-Usd | 1.48% | 13,897 | $3.9M | Reduce -0.2% |
| VIGI Vanguard Int Div App Indx FD | 1.45% | 42,255 | $3.8M | Add +1.1% |
| SCHE Schwab Emrg Mrkts Eqty ETF | 1.37% | 119,322 | $3.6M | Reduce -0.0% |
| NVDA Nvidia Corp. | 1.17% | 19,522 | $3.1M | Add +2.6% |
| VXUS Vanguard Total Intl Stock | 1.16% | 44,294 | $3.1M | Reduce -1.0% |
| HELO JPMorgan Hedged Equity ETF | 1.14% | 48,087 | $3.0M | Reduce -4.8% |
| BCD Abrdn Bloomberg All Commodit filed as ABRDN ETFS | 1.14% | 90,191 | $3.0M | Reduce -41.8% |
| UNH Unitedhealth Group Inc. | 1.13% | 9,511 | $3.0M | Add +72.5% |
| COST Costco Wholesale Corp. | 1.12% | 2,987 | $3.0M | Add +3.9% |
| JEPQ JPM Nasdaq Equity Premium filed as J P MORGAN EXCHANGE TRADED F | 1.10% | 53,309 | $2.9M | Add +17.4% |
| FVD First Trust Value Line DVD | 1.08% | 63,900 | $2.9M | Add +0.5% |
| NFLX Netflix Inc. | 1.08% | 2,118 | $2.8M | Reduce -8.1% |
| KNG FT Vest S&P 500 DVD Arst TRG | 1.07% | 57,578 | $2.8M | Add +15.7% |
| SGOV iShares 0-3 Month Treasury B | 1.02% | 26,547 | $2.7M | New |
| XLP SS Consumer Staples Sel Sect | 0.95% | 30,977 | $2.5M | Add +5.0% |
| SIXJ Allian US Equ 6 Mon BU10-Usd | 0.93% | 76,094 | $2.4M | Reduce -2.0% |
| META Meta Platforms Inc. Class A | 0.91% | 3,263 | $2.4M | Add +5.6% |
| MSFT Microsoft Corp. | 0.89% | 4,733 | $2.4M | Reduce -0.2% |
| AMZN Amazon.com Inc. | 0.89% | 10,712 | $2.4M | Add +7.5% |
| GAPR FT Vest US Equity Moderate B | 0.86% | 59,322 | $2.3M | New |
| ETN Eaton Corp. PLC | 0.86% | 6,309 | $2.3M | Reduce -6.4% |
| ORCL Oracle Corp. | 0.85% | 10,182 | $2.2M | Add +8.2% |
| VGT Vanguard Info Tech ETF | 0.81% | 3,223 | $2.1M | Add +13.9% |
| GOOG Alphabet Inc. Class C | 0.80% | 11,857 | $2.1M | Add +14.5% |
| FV First Trust DW Focus 5 Fund | 0.79% | 34,920 | $2.1M | Add +4.5% |
| CAT Caterpillar Inc. | 0.73% | 4,960 | $1.9M | Add +6.2% |
| COR Cencora Inc. | 0.72% | 6,361 | $1.9M | Reduce -4.5% |
| ANET Arista Networks Inc. | 0.71% | 18,362 | $1.9M | Add +4.7% |
| UBER Uber Technologies Inc. | 0.71% | 20,046 | $1.9M | Reduce -9.8% |
| GD General Dynamics Corp. | 0.71% | 6,410 | $1.9M | Add +3.2% |
| AMAT Applied Materials Inc. | 0.71% | 10,186 | $1.9M | Add +5.7% |
| V Visa Inc. Class A | 0.70% | 5,220 | $1.9M | Add +2.9% |
| MA Mastercard Inc. Class A | 0.70% | 3,268 | $1.8M | Add +4.2% |
| LLY Eli Lilly & Co. | 0.70% | 2,354 | $1.8M | Add +20.5% |
| MRK Merck & Co. Inc. | 0.69% | 22,851 | $1.8M | Add +17.0% |
| VUG Vanguard Mrngstar GR ETF-Sui | 0.68% | 4,311 | $1.8M | Add +1.0% |
| DFAU Dimensional US Core Equity M | 0.67% | 41,516 | $1.8M | Reduce -0.4% |
| CMI Cummins Inc. | 0.66% | 5,327 | $1.7M | Add +9.0% |
| EOG EOG Resources Inc. | 0.64% | 14,157 | $1.7M | Add +10.4% |
| QCOM Qualcomm Inc. | 0.64% | 10,638 | $1.7M | Add +9.6% |
| DHI D.R. Horton Inc. | 0.64% | 13,006 | $1.7M | Add +7.1% |
| TJX TJX Companies Inc. filed as TJX COS INC NEW | 0.63% | 13,428 | $1.7M | Reduce -4.0% |
| DGRW Wisdomtree U.S. Quality Divi | 0.62% | 19,580 | $1.6M | Reduce -4.0% |
| DFLV Dim US Large Cap Value ETF | 0.62% | 52,829 | $1.6M | Reduce -1.7% |
| ELV Elevance Health Inc. | 0.62% | 4,204 | $1.6M | Add +0.9% |
| SYK Stryker Corp. | 0.62% | 4,102 | $1.6M | Add +5.6% |
| IJR iShares Core S&P Small-Cap E | 0.61% | 14,760 | $1.6M | Add +4.3% |
| ADBE Adobe Inc. | 0.59% | 3,985 | $1.5M | Add +9.0% |
| DFAS Dimensional US Small Cap ETF | 0.58% | 24,155 | $1.5M | Reduce -1.2% |
| ANGL Vaneck Fallen Angel High YLD | 0.54% | 48,684 | $1.4M | Add +0.7% |
| JCPB JPMorgan Core Plus Bond ETF | 0.54% | 30,097 | $1.4M | Add +0.4% |
| VB Vanguard Most SM-Cap ETF-Usd | 0.54% | 6,153 | $1.4M | Reduce -1.2% |
| DTE DTE Energy Company | 0.53% | 10,627 | $1.4M | Add +3.4% |
| VTV Vanguard Mrngstr Val ETF-Aui | 0.53% | 8,029 | $1.4M | Reduce -1.2% |
| CTA Simplify Managed Futures St | 0.52% | 51,277 | $1.4M | Add +40.5% |
| VZ Verizon Communications Inc. | 0.52% | 31,635 | $1.4M | Add +14.3% |
| JNJ Johnson & Johnson | 0.50% | 8,548 | $1.3M | Add +12.2% |
| MO Altria Group Inc. | 0.49% | 22,218 | $1.3M | Add +1.4% |
| KO The Coca-Cola Co. | 0.49% | 18,194 | $1.3M | Add +5.5% |
| MCD McDonald's Corp. | 0.48% | 4,360 | $1.3M | Add +7.2% |
| SCHD Schwab US DVD Equity ETF | 0.47% | 46,926 | $1.2M | Add +0.4% |
| EZBC Franklin Bitcoin ETF | 0.46% | 19,513 | $1.2M | Reduce -19.4% |
| XOM Exxon Mobil Corp. | 0.45% | 11,110 | $1.2M | Add +9.9% |
| CVX Chevron Corp. | 0.44% | 8,155 | $1.2M | Add +13.5% |
| AEP American Electric Power | 0.44% | 11,241 | $1.2M | Add +8.4% |
| DUK Duke Energy Corp. | 0.44% | 9,834 | $1.2M | Add +8.6% |
| ECL Ecolab Inc. | 0.44% | 4,300 | $1.2M | Add +8.3% |
| WM Waste Management Inc. | 0.43% | 5,003 | $1.1M | Add +8.6% |
| HSY The Hershey Co. | 0.43% | 6,861 | $1.1M | Add +13.1% |
| NVS Novartis AG-Sponsored ADR | 0.43% | 9,361 | $1.1M | Add +11.3% |
| MDLZ Mondelez International Inc. Class A | 0.42% | 16,364 | $1.1M | Add +5.7% |
| ABT Abbott Laboratories | 0.40% | 7,832 | $1.1M | Add +10.8% |
| CL Colgate-Palmolive Co. | 0.40% | 11,656 | $1.1M | Add +10.8% |
| ARKK ARK Innovation ETF | 0.40% | 14,969 | $1.1M | New |
| UL Unilever PLC | 0.40% | 17,127 | $1.0M | Add +4.3% |
| MKC McCormick & Co.-Non VTG SHRS | 0.40% | 13,732 | $1.0M | Add +14.4% |
| NEE Nextera Energy Inc. | 0.39% | 14,882 | $1.0M | Add +13.9% |
| AWK American Water Works Co. Inc. | 0.39% | 7,419 | $1.0M | Add +3.9% |
| BLV Vanguard Long-Term Bond ETF | 0.39% | 14,697 | $1.0M | Reduce -1.1% |
| GIS General Mills Inc. | 0.38% | 19,430 | $1.0M | Add +12.7% |
| PEP Pepsico Inc. | 0.38% | 7,651 | $1.0M | Add +11.0% |
| ADP Automatic Data Processing | 0.38% | 3,271 | $1.0M | Add +9.7% |
| KMB Kimberly-Clark Corp. | 0.38% | 7,787 | $1.0M | Add +9.6% |
| K Kellanova | 0.38% | 12,600 | $1.0M | Add +11.2% |
| ZTS Zoetis Inc. | 0.37% | 6,180 | $964K | Add +10.9% |
| MGK Vngrd Mrgstr MG CP GR ETF-Ui | 0.36% | 2,586 | $947K | Reduce -3.5% |
| CLX Clorox Company | 0.33% | 7,317 | $879K | Add +13.7% |
Portfolio Sells Q1 2025 → Q2 2025
| BCD Abrdn Bloomberg All Commodit | Reduce -41.8% | 1.14% | −1.49 |
| JPST JPMorgan Ultra-Short Income | Reduce -16.1% | 2.66% | −1.48 |
| SPY SS SPDR S&P 500 ETF Trust-US | Reduce -22.6% | 1.54% | −0.81 |
| AAAU Goldman Sachs Physical Gold | Reduce -4.0% | 2.59% | −0.74 |
| HEGD Swan Hedged Equity US LG Cap | Reduce -0.3% | 2.76% | −0.61 |
| HELO JPMorgan Hedged Equity ETF | Reduce -4.8% | 1.14% | −0.36 |
| VO Vngrd Mrngstr MD-Cap ETF-Usd | Reduce -0.2% | 1.48% | −0.31 |
| SCHE Schwab Emrg Mrkts Eqty ETF | Reduce -0.0% | 1.37% | −0.27 |
| SIXJ Allian US Equ 6 Mon BU10-Usd | Reduce -2.0% | 0.93% | −0.23 |
| CGGR Cap Group Growth Equity | Sold out | 0.00% | −0.22 |
| VXUS Vanguard Total Intl Stock | Reduce -1.0% | 1.16% | −0.22 |
| TJX TJX Companies Inc. | Reduce -4.0% | 0.63% | −0.22 |
| COR Cencora Inc. | Reduce -4.5% | 0.72% | −0.20 |
| DFLV Dim US Large Cap Value ETF | Reduce -1.7% | 0.62% | −0.19 |
| DGRW Wisdomtree U.S. Quality Divi | Reduce -4.0% | 0.62% | −0.19 |
| VB Vanguard Most SM-Cap ETF-Usd | Reduce -1.2% | 0.54% | −0.15 |
| DFAS Dimensional US Small Cap ETF | Reduce -1.2% | 0.58% | −0.14 |
| VTV Vanguard Mrngstr Val ETF-Aui | Reduce -1.2% | 0.53% | −0.14 |
| BLV Vanguard Long-Term Bond ETF | Reduce -1.1% | 0.39% | −0.13 |
| DFAU Dimensional US Core Equity M | Reduce -0.4% | 0.67% | −0.13 |
| DFS Discover Financial Services | Sold out | 0.00% | −0.12 |
| CPRX Catalyst Pharmaceuticals Inc. | Sold out | 0.00% | −0.11 |
| EZBC Franklin Bitcoin ETF | Reduce -19.4% | 0.46% | −0.11 |
| WMT Walmart Inc. | Sold out | 0.00% | −0.11 |
| CHE Chemed Corp. | Sold out | 0.00% | −0.11 |
| HALO Halozyme Therapeutics Inc. | Sold out | 0.00% | −0.11 |
| MGY Magnolia Oil & Gas Corp. Class A | Sold out | 0.00% | −0.11 |
| EEFT Euronet Worldwide Inc. | Sold out | 0.00% | −0.10 |
| UNM Unum Group | Sold out | 0.00% | −0.10 |
| LNTH Lantheus Holdings Inc. | Sold out | 0.00% | −0.10 |
| CORT Corcept Therapeutics Inc. | Reduce -7.9% | 0.08% | −0.10 |
| UBER Uber Technologies Inc. | Reduce -9.8% | 0.71% | −0.09 |
| PG The Procter & Gamble Co. | Reduce -2.4% | 0.20% | −0.09 |
| FTCS First Trust Capital Strength | Reduce -33.5% | 0.09% | −0.09 |
| IVV iShares Core S&P 500 ETF | Reduce -5.8% | 0.24% | −0.08 |
| IBM Intl Business Machines Corp. | Reduce -22.7% | 0.18% | −0.08 |
| ETN Eaton Corp. PLC | Reduce -6.4% | 0.86% | −0.05 |
| SCHZ Schwab US Aggregate Bond ETF | Reduce -0.6% | 0.17% | −0.05 |
| MGK Vngrd Mrgstr MG CP GR ETF-Ui | Reduce -3.5% | 0.36% | −0.05 |
| XLE SS Energy Select Sector | Reduce -0.9% | 0.11% | −0.05 |
| UJUL Innovator U.S. Equity Ultra | Reduce -6.6% | 0.17% | −0.05 |
| SCHX Schwab US Large-Cap ETF | Reduce -3.7% | 0.18% | −0.04 |
| DMAY FT Vest US Equity Deep Buffe | Reduce -17.2% | 0.08% | −0.04 |
| BSJQ Invesco Bulletshares 2026 HY | Reduce -3.3% | 0.10% | −0.04 |
| PAPR Innovator U.S. Equity Power | Reduce -0.0% | 0.13% | −0.03 |
| QYLD Global X Nasd 100 Cov Call | Reduce -0.1% | 0.11% | −0.03 |
| BSV Vanguard Short-Term Bond ETF | Reduce -0.7% | 0.09% | −0.03 |
| INGR Ingredion Inc. | Reduce -5.2% | 0.08% | −0.03 |
| FGD First Trust DJ GL Sel DVD | Reduce -4.7% | 0.12% | −0.03 |
| IDCC Interdigital Inc. | Reduce -4.7% | 0.08% | −0.02 |
Portfolio Buys Q1 2025 → Q2 2025
| SCHG Schwab US Large-Cap Growth | Add +674.4% | 7.08% | +6.06 |
| SCHV Schwab US Large-Cap Value | New | 2.96% | +2.96 |
| SOXQ Invesco PHLX Semiconductor | New | 2.07% | +2.07 |
| VWO Vanguard Ftse Emerging Marke | New | 2.04% | +2.04 |
| FEZ State Street SPDR Euro Stoxx | New | 1.96% | +1.96 |
| SGOV iShares 0-3 Month Treasury B | New | 1.02% | +1.02 |
| GAPR FT Vest US Equity Moderate B | New | 0.86% | +0.86 |
| PSFF Pacer Swan Sos Fund of Funds | Add +33.1% | 5.47% | +0.43 |
| ARKK ARK Innovation ETF | New | 0.40% | +0.40 |
| ORCL Oracle Corp. | Add +8.2% | 0.85% | +0.19 |
| NVDA Nvidia Corp. | Add +2.6% | 1.17% | +0.15 |
| EME Emcor Group Inc. | New | 0.09% | +0.09 |
| FIX Comfort Systems USA Inc. | New | 0.09% | +0.09 |
| EVR Evercore Inc. Class A | New | 0.09% | +0.09 |
| AX Axos Financial Inc. | New | 0.08% | +0.08 |
| EWBC East West Bancorp Inc. | New | 0.08% | +0.08 |
| IBKR Interactive Brokers Gro Class A | New | 0.08% | +0.08 |
| EXEL Exelixis Inc. | New | 0.08% | +0.08 |
| EHC Encompass Health Corp. | New | 0.08% | +0.08 |
| BLD Topbuild Corp. | New | 0.08% | +0.08 |
| TXRH Texas Roadhouse Inc. | New | 0.08% | +0.08 |
| VGT Vanguard Info Tech ETF | Add +13.9% | 0.81% | +0.05 |
| ANET Arista Networks Inc. | Add +4.7% | 0.71% | +0.04 |
| GALT Galectin Therapeutics Inc. | Add +2.7% | 0.13% | +0.03 |
| QQQ Invesco QQQ Trust Series 1 | Add +13.1% | 1.98% | +0.03 |
| META Meta Platforms Inc. Class A | Add +5.6% | 0.91% | +0.03 |
| AMAT Applied Materials Inc. | Add +5.7% | 0.71% | +0.01 |
| TSLA Tesla Inc. | Add +15.5% | 0.12% | +0.01 |
| LCID Lucid Group Inc. | New | 0.01% | +0.01 |
| GOOG Alphabet Inc. Class C | Add +14.5% | 0.80% | −0.00 |
| CTA Simplify Managed Futures St | Add +40.5% | 0.52% | −0.02 |
| AIT Applied Industrial Tech Inc. | Add +0.3% | 0.08% | −0.02 |
| T AT&T Inc. | Add +1.3% | 0.11% | −0.03 |
| CAT Caterpillar Inc. | Add +6.2% | 0.73% | −0.03 |
| NVS Novartis AG-Sponsored ADR | Add +11.3% | 0.43% | −0.04 |
| VUG Vanguard Mrngstar GR ETF-Sui | Add +1.0% | 0.68% | −0.04 |
| BRK.B Berkshire Hathaway Inc. Class B | Add +4.2% | 0.10% | −0.04 |
| VEA Vanguard Ftse Developed ETF | Add +0.2% | 0.18% | −0.04 |
| AMZN Amazon.com Inc. | Add +7.5% | 0.89% | −0.05 |
| ECL Ecolab Inc. | Add +8.3% | 0.44% | −0.06 |
| ABT Abbott Laboratories | Add +10.8% | 0.40% | −0.06 |
| JEPQ JPM Nasdaq Equity Premium | Add +17.4% | 1.10% | −0.07 |
| NEE Nextera Energy Inc. | Add +13.9% | 0.39% | −0.07 |
| ADP Automatic Data Processing | Add +9.7% | 0.38% | −0.07 |
| HSY The Hershey Co. | Add +13.1% | 0.43% | −0.08 |
| K Kellanova | Add +11.2% | 0.38% | −0.08 |
| CL Colgate-Palmolive Co. | Add +10.8% | 0.40% | −0.09 |
| UL Unilever PLC | Add +4.3% | 0.40% | −0.09 |
| ZTS Zoetis Inc. | Add +10.9% | 0.37% | −0.09 |
| QCOM Qualcomm Inc. | Add +9.6% | 0.64% | −0.09 |
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 |