Retirement Guys Formula LLC

Name: RETIREMENT GUYS FORMULA LLC 13F holdings, Q2 2025
Creator: RETIREMENT GUYS FORMULA LLC
Published: 2025-07-15

Q2 2026Q1 2026Q4 2025Q3 2025Q1 2025Q4 2024Q3 2024Q2 2024Q1 2024

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%
IVV iShares Core S&P 500 ETF	0.24%	1,122	$639K	Reduce -5.8%
KOCT Innovator U.S. Small Cap Pow	0.22%	18,703	$570K	No change
PG The Procter & Gamble Co.	0.20%	3,374	$538K	Reduce -2.4%
VEA Vanguard Ftse Developed ETF	0.18%	8,936	$483K	Add +0.2%
IBM Intl Business Machines Corp. filed as INTERNATIONAL BUSINESS MACHS	0.18%	1,643	$477K	Reduce -22.7%
VTI VG Morningstar TS MKT ETF-US	0.18%	1,565	$476K	No change
SCHX Schwab US Large-Cap ETF	0.18%	19,448	$475K	Reduce -3.7%
SCHZ Schwab US Aggregate Bond ETF	0.17%	19,481	$453K	Reduce -0.6%
UJUL Innovator U.S. Equity Ultra	0.17%	12,098	$445K	Reduce -6.6%
GALT Galectin Therapeutics Inc.	0.13%	159,593	$337K	Add +2.7%
PAPR Innovator U.S. Equity Power	0.13%	8,967	$334K	Reduce -0.0%
FGD First Trust DJ GL Sel DVD	0.12%	11,778	$324K	Reduce -4.7%
PJUL Innovator U.S. Equity Power	0.12%	7,163	$314K	No change
TSLA Tesla Inc.	0.12%	960	$305K	Add +15.5%
T AT&T Inc.	0.11%	9,973	$289K	Add +1.3%
XLE SS Energy Select Sector	0.11%	3,353	$288K	Reduce -0.9%
QYLD Global X Nasd 100 Cov Call	0.11%	16,627	$278K	Reduce -0.1%
BSJQ Invesco Bulletshares 2026 HY	0.10%	11,771	$275K	Reduce -3.3%
BRK.B Berkshire Hathaway Inc. Class B	0.10%	543	$264K	Add +4.2%
LMBS First Trust Low Duration Opp	0.10%	5,237	$258K	No change
UMAY Innovator U.S. Equity Ultra	0.10%	7,333	$255K	No change
FTCS First Trust Capital Strength	0.09%	2,730	$248K	Reduce -33.5%
EME Emcor Group Inc.	0.09%	463	$247K	New
BSV Vanguard Short-Term Bond ETF	0.09%	3,133	$245K	Reduce -0.7%
FIX Comfort Systems USA Inc.	0.09%	449	$241K	New
EVR Evercore Inc. Class A	0.09%	847	$229K	New
CASY Casey's General Stores Inc.	0.09%	444	$226K	Reduce -8.3%
IRT Independence Realty Trust Inc.	0.08%	12,476	$221K	No change
AIT Applied Industrial Tech Inc.	0.08%	928	$216K	Add +0.3%
AX Axos Financial Inc.	0.08%	2,830	$215K	New
BMAY Innovator U.S. Equity Buffer	0.08%	5,085	$215K	No change
DMAY FT Vest US Equity Deep Buffe	0.08%	4,989	$214K	Reduce -17.2%
CORT Corcept Therapeutics Inc.	0.08%	2,899	$213K	Reduce -7.9%
BSCR Invesco Bulletshares 2027 CB	0.08%	10,754	$211K	No change
BSCQ Invesco Bulletshares 2026 CB	0.08%	10,801	$211K	No change
EWBC East West Bancorp Inc.	0.08%	2,086	$211K	New
IBKR Interactive Brokers Gro Class A	0.08%	3,783	$210K	New
EXEL Exelixis Inc.	0.08%	4,719	$208K	New
IDCC Interdigital Inc.	0.08%	926	$208K	Reduce -4.7%
EHC Encompass Health Corp.	0.08%	1,691	$207K	New
VCSH Vanguard S/T Corp. Bond ETF	0.08%	2,576	$205K	No change
BLD Topbuild Corp.	0.08%	628	$203K	New
TXRH Texas Roadhouse Inc.	0.08%	1,074	$201K	New
INGR Ingredion Inc.	0.08%	1,484	$201K	Reduce -5.2%
LCID Lucid Group Inc.	0.01%	10,034	$21K	New

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