Retirement Guys Formula LLC
In its 13F for Q4 2025 (holdings as of December 31, 2025, filed January 23, 2026), Retirement Guys Formula LLC reported 150 stock positions worth $219.3 million. Its top holding was JPMorgan Ultra-Short Income (JPST) at 4.1% of the portfolio, followed by Swan Hedged Equity US LG Cap (HEGD, 3.4%) and Invesco QQQ Trust Series 1 (QQQ, 2.5%). Compared with Q3 2025, it opened 11 new positions, sold out of 30, added to 63 and reduced 69. The biggest buy was JPMorgan Ultra-Short Income (JPST, shares +10%) and the biggest sale Pacer Swan Sos Fund of Funds (PSFF, shares −93%).
- Most Recent 13F
- Q2 2026
- Location
- MAUMEE, OH
- CIK
- 0001933059
- Portfolio Value
- $219.3M (Q4 2025)
- SEC Filing
- 0001933059-26-000001 ↗ filed Jan 23, 2026
Holdings Value
Holdings 150 stocks · $219.3M
| JPST JPMorgan Ultra-Short Income | 4.11% | 178,301 | $9.0M | Add +9.5% |
| HEGD Swan Hedged Equity US LG Cap | 3.43% | 298,681 | $7.5M | Reduce -3.0% |
| QQQ Invesco QQQ Trust Series 1 | 2.52% | 9,003 | $5.5M | Reduce -7.6% |
| SCHG Schwab US Large-Cap Growth | 2.40% | 161,628 | $5.3M | Reduce -72.5% |
| AAPL Apple Inc. | 2.22% | 17,932 | $4.9M | Reduce -5.5% |
| SPY SS SPDR S&P 500 ETF Trust-US | 2.12% | 6,804 | $4.6M | Reduce -4.9% |
| JEPI JPMorgan Equity Premium Inco | 1.96% | 75,174 | $4.3M | Add +2.5% |
| VO Vngrd Mrngstr MD-Cap ETF-Usd | 1.91% | 14,409 | $4.2M | Add +4.2% |
| VIGI Vanguard Int Div App Indx FD | 1.79% | 43,021 | $3.9M | Add +0.8% |
| AVEM Avantis Emerging Markets Eq | 1.77% | 50,341 | $3.9M | Reduce -0.9% |
| JEPQ JPM Nasdaq Equity Premium filed as J P MORGAN EXCHANGE TRADED F | 1.68% | 63,499 | $3.7M | Add +11.6% |
| AAAU Goldman Sachs Physical Gold | 1.60% | 82,560 | $3.5M | Reduce -59.1% |
| KO The Coca-Cola Co. | 1.56% | 49,056 | $3.4M | Add +40.5% |
| JNJ Johnson & Johnson | 1.54% | 16,335 | $3.4M | Add +14.6% |
| HELO JPMorgan Hedged Equity ETF | 1.54% | 50,881 | $3.4M | Reduce -2.9% |
| KNG FT Vest S&P 500 DVD Arst TRG | 1.41% | 62,912 | $3.1M | Add +1.9% |
| VXUS Vanguard Total Intl Stock | 1.41% | 40,847 | $3.1M | Reduce -3.4% |
| FVD First Trust Value Line DVD | 1.40% | 66,471 | $3.1M | Add +1.4% |
| COR Cencora Inc. | 1.37% | 8,871 | $3.0M | Add +10.1% |
| NVDA Nvidia Corp. | 1.26% | 14,876 | $2.8M | Reduce -14.1% |
| GOOG Alphabet Inc. Class C | 1.23% | 8,597 | $2.7M | Reduce -24.3% |
| AMZN Amazon.com Inc. | 1.14% | 10,849 | $2.5M | Reduce -1.3% |
| XLP SS Consumer Staples Sel Sect | 1.05% | 29,564 | $2.3M | Reduce -3.6% |
| LLY Eli Lilly & Co. | 1.04% | 2,120 | $2.3M | Reduce -15.6% |
| MSFT Microsoft Corp. | 1.03% | 4,651 | $2.2M | Add +0.9% |
| FV First Trust DW Focus 5 Fund | 1.00% | 34,943 | $2.2M | Add +1.7% |
| META Meta Platforms Inc. Class A | 0.99% | 3,298 | $2.2M | Add +3.0% |
| AMAT Applied Materials Inc. | 0.97% | 8,293 | $2.1M | Reduce -20.7% |
| ETN Eaton Corp. PLC | 0.95% | 6,534 | $2.1M | Add +2.4% |
| VGT Vanguard Info Tech ETF | 0.94% | 2,741 | $2.1M | Reduce -8.6% |
| CMI Cummins Inc. | 0.94% | 4,041 | $2.1M | Reduce -15.6% |
| NFLX Netflix Inc. | 0.94% | 21,881 | $2.1M | Add +5.0% |
| TJX TJX Companies Inc. filed as TJX COS INC NEW | 0.93% | 13,349 | $2.1M | Reduce -4.0% |
| WMT Walmart Inc. | 0.92% | 18,142 | $2.0M | Add +44.1% |
| UNH Unitedhealth Group Inc. | 0.91% | 6,025 | $2.0M | Reduce -41.5% |
| ANET Arista Networks Inc. | 0.88% | 14,701 | $1.9M | Reduce -6.2% |
| V Visa Inc. Class A | 0.86% | 5,384 | $1.9M | Reduce -0.5% |
| MA Mastercard Inc. Class A | 0.86% | 3,289 | $1.9M | Add +1.4% |
| VUG Vanguard Mrngstar GR ETF-Sui | 0.85% | 4,234 | $1.9M | Add +0.7% |
| ABBV Abbvie Inc. | 0.85% | 8,148 | $1.9M | Add +41.6% |
| IJR iShares Core S&P Small-Cap E | 0.84% | 15,476 | $1.9M | Add +2.3% |
| AVGO Broadcom Inc. | 0.84% | 5,297 | $1.8M | Add +36.0% |
| PANW Palo Alto Networks Inc. | 0.83% | 9,856 | $1.8M | Add +61.0% |
| DFAU Dimensional US Core Equity M | 0.80% | 37,645 | $1.8M | Reduce -5.0% |
| PDEC Innovator U.S. Equity Power | 0.79% | 40,103 | $1.7M | New |
| GEV GE Vernova Inc. | 0.79% | 2,661 | $1.7M | Add +66.3% |
| DFLV Dim US Large Cap Value ETF | 0.79% | 50,605 | $1.7M | Reduce -2.4% |
| UBER Uber Technologies Inc. | 0.77% | 20,763 | $1.7M | Add +3.2% |
| VB Vanguard Most SM-Cap ETF-Usd | 0.77% | 6,626 | $1.7M | Add +11.3% |
| CBOE Cboe Global Markets Inc. | 0.77% | 6,713 | $1.7M | Add +48.1% |
| DGRW Wisdomtree U.S. Quality Divi | 0.76% | 18,684 | $1.7M | Reduce -3.4% |
| ORCL Oracle Corp. | 0.76% | 8,561 | $1.7M | Add +1.1% |
| VTV Vanguard Mrngstr Val ETF-Aui | 0.76% | 8,973 | $1.7M | Add +15.8% |
| DFAS Dimensional US Small Cap ETF | 0.74% | 23,439 | $1.6M | Reduce -2.7% |
| BKR Baker Hughes Co. | 0.73% | 35,392 | $1.6M | Add +47.4% |
| HD Home Depot Inc. | 0.69% | 4,394 | $1.5M | Add +48.6% |
| SCHV Schwab US Large-Cap Value | 0.68% | 50,469 | $1.5M | Reduce -81.8% |
| ANGL Vaneck Fallen Angel High YLD | 0.67% | 50,245 | $1.5M | Reduce -0.8% |
| SIXJ Allian US Equ 6 Mon BU10-Usd | 0.66% | 42,081 | $1.4M | Reduce -6.4% |
| MCD McDonald's Corp. | 0.66% | 4,716 | $1.4M | Add +4.7% |
| EOG EOG Resources Inc. | 0.66% | 13,716 | $1.4M | Reduce -7.4% |
| PG The Procter & Gamble Co. | 0.65% | 9,996 | $1.4M | Add +205.6% |
| JCPB JPMorgan Core Plus Bond ETF | 0.64% | 29,471 | $1.4M | Reduce -7.3% |
| NOW ServiceNow Inc. | 0.63% | 8,994 | $1.4M | Add +62.6% |
| NVS Novartis AG-Sponsored ADR | 0.61% | 9,655 | $1.3M | Add +1.1% |
| DDFL Invtr Eq D Di 15 B ETF - Jul | 0.61% | 64,648 | $1.3M | Add +9.8% |
| AEP American Electric Power | 0.59% | 11,131 | $1.3M | Reduce -3.2% |
| VZ Verizon Communications Inc. | 0.58% | 30,970 | $1.3M | Reduce -5.3% |
| HSY The Hershey Co. | 0.57% | 6,868 | $1.2M | Reduce -0.9% |
| CTA Simplify Managed Futures St | 0.55% | 44,514 | $1.2M | Reduce -28.7% |
| NEE Nextera Energy Inc. | 0.55% | 15,091 | $1.2M | Reduce -1.5% |
| T AT&T Inc. | 0.55% | 48,122 | $1.2M | Add +372.6% |
| DUK Duke Energy Corp. | 0.54% | 10,163 | $1.2M | Reduce -0.3% |
| ECL Ecolab Inc. | 0.53% | 4,435 | $1.2M | Add +0.8% |
| INTU Intuit Inc. | 0.52% | 1,734 | $1.1M | Add +140.5% |
| WM Waste Management Inc. | 0.52% | 5,165 | $1.1M | Reduce -0.8% |
| SCHD Schwab US DVD Equity ETF | 0.52% | 41,350 | $1.1M | Add +0.3% |
| EZBC Franklin Bitcoin ETF | 0.51% | 22,147 | $1.1M | Add +25.1% |
| PEP Pepsico Inc. | 0.51% | 7,774 | $1.1M | Reduce -4.5% |
| MGK Vngrd Mrgstr MG CP GR ETF-Ui | 0.50% | 2,642 | $1.1M | Add +8.0% |
| PSFF Pacer Swan Sos Fund of Funds | 0.49% | 33,476 | $1.1M | Reduce -92.8% |
| COST Costco Wholesale Corp. | 0.49% | 1,243 | $1.1M | Reduce -32.2% |
| SO The Southern Co. | 0.47% | 11,930 | $1.0M | Add +82.4% |
| ATO Atmos Energy Corp. | 0.47% | 6,184 | $1.0M | Add +105.7% |
| MKC McCormick & Co.-Non VTG SHRS | 0.46% | 14,853 | $1.0M | Reduce -1.5% |
| AWK American Water Works Co. Inc. | 0.45% | 7,638 | $997K | Reduce -1.3% |
| GIS General Mills Inc. | 0.45% | 21,244 | $988K | Reduce -3.9% |
| CL Colgate-Palmolive Co. | 0.44% | 12,221 | $966K | Reduce -3.8% |
| ZTS Zoetis Inc. | 0.43% | 7,518 | $946K | Add +11.7% |
| KMB Kimberly-Clark Corp. | 0.43% | 9,352 | $944K | Add +12.2% |
| ADP Automatic Data Processing | 0.43% | 3,663 | $942K | Add +6.0% |
| MDLZ Mondelez International Inc. Class A | 0.42% | 17,206 | $926K | Add +0.4% |
| ABT Abbott Laboratories | 0.42% | 7,338 | $919K | Reduce -11.0% |
| SOXQ Invesco PHLX Semiconductor | 0.42% | 16,352 | $912K | Reduce -81.2% |
| BLV Vanguard Long-Term Bond ETF | 0.41% | 12,990 | $903K | Reduce -14.8% |
| CLX Clorox Company | 0.40% | 8,732 | $880K | Add +3.6% |
| BCD Abrdn Bloomberg All Commodit filed as ABRDN ETFS | 0.39% | 27,371 | $847K | Reduce -82.3% |
| FEZ State Street SPDR Euro Stoxx | 0.37% | 12,691 | $817K | Reduce -81.9% |
| GALT Galectin Therapeutics Inc. | 0.35% | 184,562 | $768K | Add +11.2% |
| IVV iShares Core S&P 500 ETF | 0.30% | 1,122 | $653K | No change |
Portfolio Sells Q3 2025 → Q4 2025
| PSFF Pacer Swan Sos Fund of Funds | Reduce -92.8% | 0.49% | −4.69 |
| SCHG Schwab US Large-Cap Growth | Reduce -72.5% | 2.40% | −4.21 |
| SCHV Schwab US Large-Cap Value | Reduce -81.8% | 0.68% | −2.16 |
| VWO Vanguard Ftse Emerging Marke | Sold out | 0.00% | −1.94 |
| BCD Abrdn Bloomberg All Commodit | Reduce -82.3% | 0.39% | −1.48 |
| FEZ State Street SPDR Euro Stoxx | Reduce -81.9% | 0.37% | −1.16 |
| SOXQ Invesco PHLX Semiconductor | Reduce -81.2% | 0.42% | −1.12 |
| AAAU Goldman Sachs Physical Gold | Reduce -59.1% | 1.60% | −1.11 |
| SGOV iShares 0-3 Month Treasury B | Reduce -82.0% | 0.22% | −0.72 |
| GAPR FT Vest US Equity Moderate B | Reduce -77.2% | 0.24% | −0.56 |
| K Kellanova | Sold out | 0.00% | −0.39 |
| UNH Unitedhealth Group Inc. | Reduce -41.5% | 0.91% | −0.34 |
| MO Altria Group Inc. | Sold out | 0.00% | −0.32 |
| ARKK ARK Innovation ETF | Reduce -77.6% | 0.11% | −0.32 |
| DHI D.R. Horton Inc. | Sold out | 0.00% | −0.31 |
| GD General Dynamics Corp. | Sold out | 0.00% | −0.31 |
| CAT Caterpillar Inc. | Sold out | 0.00% | −0.29 |
| CVX Chevron Corp. | Sold out | 0.00% | −0.28 |
| XOM Exxon Mobil Corp. | Sold out | 0.00% | −0.28 |
| QCOM Qualcomm Inc. | Sold out | 0.00% | −0.27 |
| ELV Elevance Health Inc. | Sold out | 0.00% | −0.23 |
| SYK Stryker Corp. | Sold out | 0.00% | −0.21 |
| UL Unilever PLC | Sold out | 0.00% | −0.20 |
| ADBE Adobe Inc. | Sold out | 0.00% | −0.20 |
| DTE DTE Energy Company | Reduce -61.4% | 0.16% | −0.19 |
| HRL Hormel Foods Corp. | Sold out | 0.00% | −0.16 |
| MRK Merck & Co. Inc. | Reduce -69.5% | 0.15% | −0.15 |
| COST Costco Wholesale Corp. | Reduce -32.2% | 0.49% | −0.11 |
| BSJQ Invesco Bulletshares 2026 HY | Sold out | 0.00% | −0.10 |
| UMAY Innovator U.S. Equity Ultra | Sold out | 0.00% | −0.09 |
| CORT Corcept Therapeutics Inc. | Sold out | 0.00% | −0.09 |
| BSCS Invesco Bulletshares 2028 CB | Sold out | 0.00% | −0.08 |
| CXT Crane NXT Co. | Sold out | 0.00% | −0.08 |
| KTB Kontoor Brands Inc. | Sold out | 0.00% | −0.08 |
| BMAY Innovator U.S. Equity Buffer | Sold out | 0.00% | −0.08 |
| DMAY FT Vest US Equity Deep Buffe | Sold out | 0.00% | −0.08 |
| DKS Dick's Sporting Goods Inc. | Sold out | 0.00% | −0.07 |
| BSCR Invesco Bulletshares 2027 CB | Sold out | 0.00% | −0.07 |
| BSCQ Invesco Bulletshares 2026 CB | Sold out | 0.00% | −0.07 |
| STRL Sterling Infrastructure Inc. | Sold out | 0.00% | −0.07 |
| DOCS Doximity Inc. Class A | Sold out | 0.00% | −0.07 |
| MGY Magnolia Oil & Gas Corp. Class A | Sold out | 0.00% | −0.07 |
| CHWY Chewy Inc. Class A | Sold out | 0.00% | −0.07 |
| FTCS First Trust Capital Strength | Sold out | 0.00% | −0.07 |
| CTA Simplify Managed Futures St | Reduce -28.7% | 0.55% | −0.06 |
| PAPR Innovator U.S. Equity Power | Reduce -30.3% | 0.11% | −0.01 |
| IDCC Interdigital Inc. | Reduce -13.7% | 0.10% | +0.00 |
| EME Emcor Group Inc. | Reduce -7.7% | 0.10% | +0.01 |
| IBKR Interactive Brokers Gro Class A | Reduce -1.2% | 0.10% | +0.02 |
| FIX Comfort Systems USA Inc. | Reduce -16.2% | 0.09% | +0.02 |
Portfolio Buys Q3 2025 → Q4 2025
| JPST JPMorgan Ultra-Short Income | Add +9.5% | 4.11% | +1.21 |
| PDEC Innovator U.S. Equity Power | New | 0.79% | +0.79 |
| KO The Coca-Cola Co. | Add +40.5% | 1.56% | +0.75 |
| JNJ Johnson & Johnson | Add +14.6% | 1.54% | +0.61 |
| JEPQ JPM Nasdaq Equity Premium | Add +11.6% | 1.68% | +0.53 |
| JEPI JPMorgan Equity Premium Inco | Add +2.5% | 1.96% | +0.49 |
| COR Cencora Inc. | Add +10.1% | 1.37% | +0.48 |
| VO Vngrd Mrngstr MD-Cap ETF-Usd | Add +4.2% | 1.91% | +0.48 |
| PG The Procter & Gamble Co. | Add +205.6% | 0.65% | +0.48 |
| WMT Walmart Inc. | Add +44.1% | 0.92% | +0.46 |
| VIGI Vanguard Int Div App Indx FD | Add +0.8% | 1.79% | +0.45 |
| GEV GE Vernova Inc. | Add +66.3% | 0.79% | +0.45 |
| T AT&T Inc. | Add +372.6% | 0.55% | +0.44 |
| PANW Palo Alto Networks Inc. | Add +61.0% | 0.83% | +0.39 |
| AVGO Broadcom Inc. | Add +36.0% | 0.84% | +0.38 |
| ABBV Abbvie Inc. | Add +41.6% | 0.85% | +0.38 |
| CBOE Cboe Global Markets Inc. | Add +48.1% | 0.77% | +0.38 |
| INTU Intuit Inc. | Add +140.5% | 0.52% | +0.35 |
| KNG FT Vest S&P 500 DVD Arst TRG | Add +1.9% | 1.41% | +0.34 |
| FVD First Trust Value Line DVD | Add +1.4% | 1.40% | +0.33 |
| BKR Baker Hughes Co. | Add +47.4% | 0.73% | +0.32 |
| ATO Atmos Energy Corp. | Add +105.7% | 0.47% | +0.29 |
| NOW ServiceNow Inc. | Add +62.6% | 0.63% | +0.27 |
| HD Home Depot Inc. | Add +48.6% | 0.69% | +0.27 |
| VTV Vanguard Mrngstr Val ETF-Aui | Add +15.8% | 0.76% | +0.26 |
| SO The Southern Co. | Add +82.4% | 0.47% | +0.26 |
| FV First Trust DW Focus 5 Fund | Add +1.7% | 1.00% | +0.25 |
| VB Vanguard Most SM-Cap ETF-Usd | Add +11.3% | 0.77% | +0.24 |
| IJR iShares Core S&P Small-Cap E | Add +2.3% | 0.84% | +0.21 |
| MA Mastercard Inc. Class A | Add +1.4% | 0.86% | +0.21 |
| VUG Vanguard Mrngstar GR ETF-Sui | Add +0.7% | 0.85% | +0.21 |
| DDFL Invtr Eq D Di 15 B ETF - Jul | Add +9.8% | 0.61% | +0.19 |
| MSFT Microsoft Corp. | Add +0.9% | 1.03% | +0.19 |
| NVS Novartis AG-Sponsored ADR | Add +1.1% | 0.61% | +0.18 |
| MCD McDonald's Corp. | Add +4.7% | 0.66% | +0.18 |
| META Meta Platforms Inc. Class A | Add +3.0% | 0.99% | +0.17 |
| MGK Vngrd Mrgstr MG CP GR ETF-Ui | Add +8.0% | 0.50% | +0.15 |
| COF Capital One Financial Corp. | New | 0.12% | +0.12 |
| SLV iShares Silver Trust | New | 0.12% | +0.12 |
| SCHD Schwab US DVD Equity ETF | Add +0.3% | 0.52% | +0.12 |
| ETN Eaton Corp. PLC | Add +2.4% | 0.95% | +0.11 |
| ECL Ecolab Inc. | Add +0.8% | 0.53% | +0.11 |
| CRS Carpenter Technology | New | 0.10% | +0.10 |
| GALT Galectin Therapeutics Inc. | Add +11.2% | 0.35% | +0.10 |
| MU Micron Technology Inc. | New | 0.10% | +0.10 |
| CPRX Catalyst Pharmaceuticals Inc. | New | 0.10% | +0.10 |
| COKE Coca-Cola Consolidated Inc. | New | 0.10% | +0.10 |
| OPCH Option Care Health Inc. | New | 0.10% | +0.10 |
| EZBC Franklin Bitcoin ETF | Add +25.1% | 0.51% | +0.10 |
| NJAN Innovator Growth 100 Power B | New | 0.10% | +0.10 |
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 |