Ruggaard & Associates LLC

In its 13F for Q3 2025 (holdings as of September 30, 2025, filed November 14, 2025), Ruggaard & Associates LLC reported 120 stock positions worth $267.3 million. Its top holding was American Century US Quality (QGRO) at 6.2% of the portfolio, followed by JPMorgan Ultra-Short Income (JPST, 5.9%) and Cap Group Dividend Value (CGDV, 5.9%). Compared with Q2 2025, it opened 5 new positions, sold out of 1, added to 43 and reduced 34. The biggest buy was Nvidia (NVDA, shares +210%) and the biggest sale an exit from Wisdmtree GB Ex-US QL GR-Usd (DNL).

Most Recent 13F
Q2 2026
Location
HUDSON, OH
CIK
0001971230
Portfolio Value
$267.3M (Q3 2025)
SEC Filing
0001971230-25-000006 ↗ filed Nov 14, 2025

Holdings Value

0$100.0M$200.0M$300.0M Q1 2024: $210.3M Q1 2024 Q2 2024: $216.2M Q2 2024 Q3 2024: $229.7M Q3 2024 Q4 2024: $228.0M Q4 2024 Q1 2025: $228.3M Q1 2025 Q2 2025: $248.8M Q2 2025 Q3 2025: $267.3M $267.3M Q3 2025 Q4 2025: $254.0M Q4 2025 Q1 2026: $252.4M Q1 2026 Q2 2026: $278.7M Q2 2026

Holdings 120 stocks · $267.3M
QGRO American Century US Quality 6.16% 143,935 $16.5M Add +0.8%
JPST JPMorgan Ultra-Short Income 5.89% 310,506 $15.8M Add +4.4%
CGDV Cap Group Dividend Value filed as CAPITAL GROUP DIVIDEND VALUE 5.88% 374,007 $15.7M Add +0.7%
CGCP Cap Group Core Plus Income 5.81% 683,731 $15.5M Add +1.4%
IBHF iShares Ibond 2026 HY & Inc. 5.11% 583,906 $13.7M Add +1.6%
IBDQ iShares Ibonds Dec 2025 Term 5.00% 530,277 $13.4M Reduce -0.3%
VO Vngrd Mrngstr MD-Cap ETF-Usd 4.73% 43,073 $12.7M Reduce -0.0%
JBND JPMorgan Active Bond ETF 4.66% 230,077 $12.5M Add +1.3%
SPHQ Invesco S&P 500 Quality ETF 4.38% 159,872 $11.7M Add +0.6%
RSP Invesco S&P 500 Equal Weight 3.86% 54,410 $10.3M Add +0.1%
IWF iShares Russell 1000 Growth 3.49% 19,894 $9.3M Reduce -0.3%
CGGO Cap Group Global Growth filed as CAPITAL GROUP GBL GROWTH EQT 3.41% 266,957 $9.1M Add +1.0%
AAPL Apple Inc. 3.07% 32,251 $8.2M Add +7.3%
DFAS Dimensional US Small Cap ETF 3.01% 117,628 $8.1M Add +0.9%
WTV Wisdomtree U.S. Value Fund 2.89% 84,967 $7.7M Add +0.4%
DBEF Xtrackers MSCI Eafe Hedged E 2.72% 156,692 $7.3M Add +1.2%
VB Vanguard Most SM-Cap ETF-Usd 2.59% 27,234 $6.9M Add +0.6%
IVV iShares Core S&P 500 ETF 1.92% 7,676 $5.1M Add +1.0%
MSFT Microsoft Corp. 1.14% 5,882 $3.0M Reduce -0.0%
NVDA Nvidia Corp. 1.05% 15,048 $2.8M Add +209.5%
AEM Agnico Eagle Mines Ltd. 0.90% 14,247 $2.4M Add +1.4%
MINT PIMCO Enhanced Short Maturit 0.80% 21,252 $2.1M Add +18.8%
DGRO iShares Core Dividend Growth 0.75% 29,306 $2.0M Add +2.9%
JMEE JPM Sma & Mid Cap En Eq Et-U filed as J P MORGAN EXCHANGE TRADED F 0.67% 28,281 $1.8M Add +0.8%
AVLV Avantis US Large Cap Value 0.54% 20,022 $1.4M Add +0.8%
DGRW Wisdomtree U.S. Quality Divi 0.53% 15,825 $1.4M Add +0.3%
VUG Vanguard Mrngstar GR ETF-Sui 0.53% 2,929 $1.4M Reduce -1.1%
REVS Columbia Resear Enh Val ETF 0.52% 49,651 $1.4M Add +0.1%
QQQ Invesco QQQ Trust Series 1 0.48% 2,154 $1.3M Reduce -0.1%
AMZN Amazon.com Inc. 0.46% 5,624 $1.2M Add +0.0%
IJT iShares S&P Small-Cap 600 GR 0.46% 8,612 $1.2M No change
COP Conocophillips 0.45% 12,721 $1.2M Reduce -0.1%
IJK iShares S&P Mid-Cap 400 Grow 0.44% 12,382 $1.2M Reduce -0.1%
IJH iShares Core S&P Midcap ETF 0.40% 16,567 $1.1M No change
JAAA Janus Henderson Aaa Clo ETF 0.38% 20,129 $1.0M Add +52.3%
JIRE JPMorgan Int Res Enh Eqty 0.38% 13,804 $1.0M New
TXN Texas Instruments Inc. 0.37% 5,444 $1.0M Add +0.1%
NVS Novartis AG-Sponsored ADR 0.35% 7,399 $949K No change
PYLD PIMCO Multisector Bond Actv 0.35% 34,706 $932K Add +15.9%
VTI VG Morningstar TS MKT ETF-US 0.34% 2,808 $921K Add +0.1%
JPM JPMorgan Chase & Co. 0.34% 2,918 $920K Reduce -6.6%
TSM Taiwan Semiconductor-SP ADR 0.34% 3,240 $905K Add +2.7%
AFL Aflac Inc. 0.33% 7,949 $888K Reduce -0.0%
ORI Old Republic Intl Corp. 0.33% 20,888 $887K Reduce -0.0%
WMT Walmart Inc. 0.31% 7,965 $821K Reduce -0.8%
SCHG Schwab US Large-Cap Growth 0.30% 25,317 $808K Reduce -0.5%
IWP iShares Russell Mid-Cap Grow 0.28% 5,200 $741K No change
INGR Ingredion Inc. 0.28% 6,055 $739K No change
COST Costco Wholesale Corp. 0.27% 784 $726K No change
CVX Chevron Corp. 0.27% 4,600 $714K Reduce -0.0%
GOOGL Alphabet Inc. Class A 0.27% 2,928 $712K Add +0.1%
VLO Valero Energy Corp. 0.26% 4,013 $683K Reduce -0.0%
RY Royal Bank of Canada 0.25% 4,585 $675K No change
SPY SS SPDR S&P 500 ETF Trust-US 0.25% 992 $661K No change
XOM Exxon Mobil Corp. 0.24% 5,574 $629K Reduce -0.2%
EXP Eagle Materials Inc. 0.23% 2,685 $626K Add +0.8%
V Visa Inc. Class A 0.23% 1,817 $620K Reduce -0.1%
SCHM Schwab US Mid Cap ETF 0.23% 20,511 $608K Reduce -1.5%
BNS Bank of Nova Scotia filed as BANK NOVA SCOTIA HALIFAX 0.21% 8,780 $568K Reduce -0.0%
PG The Procter & Gamble Co. 0.21% 3,687 $567K Reduce -0.5%
JMST JPM Ultra-Short Muni Income filed as J P MORGAN EXCHANGE TRADED F 0.21% 10,920 $557K Add +3.2%
AVGO Broadcom Inc. 0.20% 1,639 $541K Reduce -1.0%
ELV Elevance Health Inc. 0.20% 1,644 $531K No change
JNJ Johnson & Johnson 0.19% 2,807 $520K Reduce -0.0%
IWB iShares Russell 1000 ETF 0.19% 1,403 $513K Reduce -0.1%
CSCO Cisco Systems Inc. 0.19% 7,332 $502K No change
ITOT iShares Core S&P Total U.S. 0.19% 3,410 $497K No change
ABT Abbott Laboratories 0.18% 3,674 $492K Add +1.1%
SU Suncor Energy Inc. 0.18% 11,545 $483K Add +1.8%
LADR Ladder Capital Corp.-REIT 0.18% 44,138 $482K No change
ARKK ARK Innovation ETF 0.18% 5,455 $471K No change
XLK SS Technology Select Sector 0.17% 1,623 $457K No change
GATX Gatx Corp. 0.17% 2,600 $454K Reduce -1.3%
SCHA Schwab US Small-Cap ETF 0.17% 16,006 $447K No change
PGR Progressive Corp. 0.16% 1,739 $429K Reduce -0.1%
HD Home Depot Inc. 0.15% 1,022 $414K No change
BRK.B Berkshire Hathaway Inc. Class B 0.15% 821 $413K Reduce -1.8%
AXP American Express Co. 0.15% 1,232 $409K No change
ACWI iShares MSCI Acwi ETF 0.15% 2,923 $404K No change
PEP Pepsico Inc. 0.15% 2,822 $396K Reduce -0.1%
TMO Thermo Fisher Scientific Inc. 0.15% 801 $389K Add +0.1%
MDY State Street SPDR S&P Midcap 0.14% 650 $387K No change
DE Deere & Co. 0.14% 843 $386K Reduce -0.1%
MCD McDonald's Corp. 0.14% 1,197 $364K Add +0.3%
ALC Alcon Inc. filed as ALCON AG 0.13% 4,716 $351K Reduce -5.2%
PSX Phillips 66 0.13% 2,532 $344K No change
LLY Eli Lilly & Co. 0.13% 446 $340K No change
COF Capital One Financial Corp. 0.13% 1,600 $340K No change
MSI Motorola Solutions Inc. 0.13% 737 $337K No change
VXF Vanguard Extended Market ETF 0.12% 1,592 $333K Add +1.8%
TRV The Travelers Cos Inc. 0.12% 1,185 $331K Add +7.3%
ORCL Oracle Corp. 0.12% 1,156 $325K Add +17.8%
CNQ Canadian Natural Resources 0.11% 9,510 $304K No change
DHI D.R. Horton Inc. 0.11% 1,791 $304K Add +0.3%
CNI Canadian Natl Railway Co. 0.11% 3,203 $302K No change
NTR Nutrien Ltd. 0.11% 5,105 $300K Reduce -5.5%
IWS iShares Russell Mid-Cap Valu 0.11% 2,057 $287K No change
BKH Black Hills Corp. 0.11% 4,649 $286K No change
TJX TJX Companies Inc. filed as TJX COS INC NEW 0.11% 1,962 $284K No change
DG Dollar General Corp. 0.10% 2,691 $278K No change

Show all 120 holdings

Portfolio Sells Q2 2025 → Q3 2025
DNL Wisdmtree GB Ex-US QL GR-Usd Sold out 0.00% −0.40
IBDQ iShares Ibonds Dec 2025 Term Reduce -0.3% 5.00% −0.38
VO Vngrd Mrngstr MD-Cap ETF-Usd Reduce -0.0% 4.73% −0.11
ALC Alcon Inc. Reduce -5.2% 0.13% −0.05
MSFT Microsoft Corp. Reduce -0.0% 1.14% −0.04
DE Deere & Co. Reduce -0.1% 0.14% −0.03
V Visa Inc. Class A Reduce -0.1% 0.23% −0.03
PGR Progressive Corp. Reduce -0.1% 0.16% −0.03
PG The Procter & Gamble Co. Reduce -0.5% 0.21% −0.03
JPM JPMorgan Chase & Co. Reduce -6.6% 0.34% −0.02
NTR Nutrien Ltd. Reduce -5.5% 0.11% −0.01
COP Conocophillips Reduce -0.1% 0.45% −0.01
IJK iShares S&P Mid-Cap 400 Grow Reduce -0.1% 0.44% −0.01
BRK.B Berkshire Hathaway Inc. Class B Reduce -1.8% 0.15% −0.01
T AT&T Inc. Reduce -0.2% 0.08% −0.01
WMT Walmart Inc. Reduce -0.8% 0.31% −0.01
SCHM Schwab US Mid Cap ETF Reduce -1.5% 0.23% −0.01
XOM Exxon Mobil Corp. Reduce -0.2% 0.24% −0.01
MMM 3M Co. Reduce -0.6% 0.09% −0.01
AFL Aflac Inc. Reduce -0.0% 0.33% −0.00
CIVI Civitas Resources Inc. Reduce -11.8% 0.10% −0.00
PEP Pepsico Inc. Reduce -0.1% 0.15% −0.00
IWB iShares Russell 1000 ETF Reduce -0.1% 0.19% +0.00
SCHB Schwab US Broad Market ETF Reduce -0.1% 0.10% +0.00
CVX Chevron Corp. Reduce -0.0% 0.27% +0.00
SCHG Schwab US Large-Cap Growth Reduce -0.5% 0.30% +0.00
VUG Vanguard Mrngstar GR ETF-Sui Reduce -1.1% 0.53% +0.00
QQQ Invesco QQQ Trust Series 1 Reduce -0.1% 0.48% +0.01
GATX Gatx Corp. Reduce -1.3% 0.17% +0.01
ORI Old Republic Intl Corp. Reduce -0.0% 0.33% +0.01
BNS Bank of Nova Scotia Reduce -0.0% 0.21% +0.02
AVGO Broadcom Inc. Reduce -1.0% 0.20% +0.02
JNJ Johnson & Johnson Reduce -0.0% 0.19% +0.02
VLO Valero Energy Corp. Reduce -0.0% 0.26% +0.04
IWF iShares Russell 1000 Growth Reduce -0.3% 3.49% +0.08

Portfolio Buys Q2 2025 → Q3 2025
NVDA Nvidia Corp. Add +209.5% 1.05% +0.74
AAPL Apple Inc. Add +7.3% 3.07% +0.59
JIRE JPMorgan Int Res Enh Eqty New 0.38% +0.38
AEM Agnico Eagle Mines Ltd. Add +1.4% 0.90% +0.23
JAAA Janus Henderson Aaa Clo ETF Add +52.3% 0.38% +0.11
NVO Novo-Nordisk A/S-Spons ADR New 0.10% +0.10
CAT Caterpillar Inc. New 0.08% +0.08
MINT PIMCO Enhanced Short Maturit Add +18.8% 0.80% +0.08
AFG American Financial Group Inc. New 0.08% +0.08
GOOGL Alphabet Inc. Class A Add +0.1% 0.27% +0.06
TSM Taiwan Semiconductor-SP ADR Add +2.7% 0.34% +0.05
ORCL Oracle Corp. Add +17.8% 0.12% +0.04
KMDA Kamada Ltd. New 0.03% +0.03
PYLD PIMCO Multisector Bond Actv Add +15.9% 0.35% +0.03
DFAS Dimensional US Small Cap ETF Add +0.9% 3.01% +0.03
IVV iShares Core S&P 500 ETF Add +1.0% 1.92% +0.03
DHI D.R. Horton Inc. Add +0.3% 0.11% +0.02
EXP Eagle Materials Inc. Add +0.8% 0.23% +0.02
CGGO Cap Group Global Growth Add +1.0% 3.41% +0.02
TMO Thermo Fisher Scientific Inc. Add +0.1% 0.15% +0.01
DGRO iShares Core Dividend Growth Add +2.9% 0.75% +0.01
VB Vanguard Most SM-Cap ETF-Usd Add +0.6% 2.59% +0.01
SU Suncor Energy Inc. Add +1.8% 0.18% +0.01
NVMI Nova Ltd. Add +0.5% 0.10% +0.01
TRV The Travelers Cos Inc. Add +7.3% 0.12% +0.01
VXF Vanguard Extended Market ETF Add +1.8% 0.12% +0.00
JMEE JPM Sma & Mid Cap En Eq Et-U Add +0.8% 0.67% +0.00
VTI VG Morningstar TS MKT ETF-US Add +0.1% 0.34% +0.00
DBEF Xtrackers MSCI Eafe Hedged E Add +1.2% 2.72% −0.00
ROK Rockwell Automation Inc. Add +0.1% 0.09% −0.00
AVLV Avantis US Large Cap Value Add +0.8% 0.54% −0.00
DGRW Wisdomtree U.S. Quality Divi Add +0.3% 0.53% −0.00
MCD McDonald's Corp. Add +0.3% 0.14% −0.00
REVS Columbia Resear Enh Val ETF Add +0.1% 0.52% −0.00
KRP Kimbell Royalty Partners LP Add +0.6% 0.06% −0.01
JMST JPM Ultra-Short Muni Income Add +3.2% 0.21% −0.01
ABT Abbott Laboratories Add +1.1% 0.18% −0.01
CGDV Cap Group Dividend Value Add +0.7% 5.88% −0.02
AMZN Amazon.com Inc. Add +0.0% 0.46% −0.03
WTV Wisdomtree U.S. Value Fund Add +0.4% 2.89% −0.05
TXN Texas Instruments Inc. Add +0.1% 0.37% −0.08
QGRO American Century US Quality Add +0.8% 6.16% −0.10
RSP Invesco S&P 500 Equal Weight Add +0.1% 3.86% −0.11
JPST JPMorgan Ultra-Short Income Add +4.4% 5.89% −0.16
SPHQ Invesco S&P 500 Quality ETF Add +0.6% 4.38% −0.17
JBND JPMorgan Active Bond ETF Add +1.3% 4.66% −0.23
IBHF iShares Ibond 2026 HY & Inc. Add +1.6% 5.11% −0.25
CGCP Cap Group Core Plus Income Add +1.4% 5.81% −0.29

All Filings

QuarterPositions13F Reported ValueTop Holdings
Q2 2026 128$278.7MCGDV, JPST, CGCP, SPHQ, VO
Q1 2026 122$252.4MJPST, CGDV, CGCP, IBHF, IBDU
Q4 2025 121$254.0MQGRO, CGDV, JPST, CGCP, IBHF
Q3 2025 120$267.3MQGRO, JPST, CGDV, CGCP, IBHF
Q2 2025 116$248.8MQGRO, CGCP, JPST, CGDV, IBDQ
Q1 2025 115$228.3MJPST, CGCP, CGDV, IBHF, IBDQ
Q4 2024 110$228.0MJPST, CGCP, CGDV, IBHF, VO
Q3 2024 116$229.7MCGCP, JPST, CGDV, IBHF, VO
Q2 2024 116$216.2MJPST, CGCP, IBHF, CGDV, VO
Q1 2024 115$210.3MJPST, CGCP, IBHF, VO, CGDV