Ruggaard & Associates LLC
In its 13F for Q4 2025 (holdings as of December 31, 2025, filed February 20, 2026), Ruggaard & Associates LLC reported 121 stock positions worth $254.0 million. Its top holding was American Century US Quality (QGRO) at 5.8% of the portfolio, followed by Cap Group Dividend Value (CGDV, 5.8%) and JPMorgan Ultra-Short Income (JPST, 5.8%). Compared with Q3 2025, it opened 8 new positions, sold out of 7, added to 35 and reduced 42. The biggest buy was a new position in iShares Ibonds Dec 2029 Term (IBDU) and the biggest sale an exit from iShares Ibonds Dec 2025 Term (IBDQ).
- Most Recent 13F
- Q2 2026
- Location
- HUDSON, OH
- CIK
- 0001971230
- Portfolio Value
- $254.0M (Q4 2025)
- SEC Filing
- 0001971230-26-000001 ↗ filed Feb 20, 2026
Holdings Value
Holdings 121 stocks · $254.0M
| QGRO American Century US Quality | 5.82% | 129,074 | $14.8M | Reduce -10.3% |
| CGDV Cap Group Dividend Value filed as CAPITAL GROUP DIVIDEND VALUE | 5.82% | 338,707 | $14.8M | Reduce -9.4% |
| JPST JPMorgan Ultra-Short Income | 5.75% | 288,921 | $14.6M | Reduce -7.0% |
| CGCP Cap Group Core Plus Income | 5.57% | 624,738 | $14.1M | Reduce -8.6% |
| IBHF iShares Ibond 2026 HY & Inc. | 4.76% | 524,266 | $12.1M | Reduce -10.2% |
| IBDU iShares Ibonds Dec 2029 Term | 4.63% | 502,535 | $11.8M | New |
| VO Vngrd Mrngstr MD-Cap ETF-Usd | 4.41% | 38,580 | $11.2M | Reduce -10.4% |
| JBND JPMorgan Active Bond ETF | 4.40% | 206,732 | $11.2M | Reduce -10.2% |
| SPHQ Invesco S&P 500 Quality ETF | 4.33% | 146,489 | $11.0M | Reduce -8.4% |
| RSP Invesco S&P 500 Equal Weight | 3.55% | 47,050 | $9.0M | Reduce -13.5% |
| CGGO Cap Group Global Growth filed as CAPITAL GROUP GBL GROWTH EQT | 3.38% | 247,414 | $8.6M | Reduce -7.3% |
| IWF iShares Russell 1000 Growth | 3.34% | 17,900 | $8.5M | Reduce -10.0% |
| BKDV BNY Mellon Dynamic Value | 3.03% | 265,164 | $7.7M | New |
| DFAS Dimensional US Small Cap ETF | 2.92% | 106,458 | $7.4M | Reduce -9.5% |
| AAPL Apple Inc. | 2.89% | 27,026 | $7.3M | Reduce -16.2% |
| WTV Wisdomtree U.S. Value Fund | 2.85% | 77,459 | $7.2M | Reduce -8.8% |
| DBEF Xtrackers MSCI Eafe Hedged E | 2.73% | 143,909 | $6.9M | Reduce -8.2% |
| VB Vanguard Most SM-Cap ETF-Usd | 2.56% | 25,212 | $6.5M | Reduce -7.4% |
| IVV iShares Core S&P 500 ETF | 1.61% | 5,969 | $4.1M | Reduce -22.2% |
| MSFT Microsoft Corp. | 1.02% | 5,356 | $2.6M | Reduce -8.9% |
| AEM Agnico Eagle Mines Ltd. | 0.97% | 14,477 | $2.5M | Add +1.6% |
| MINT PIMCO Enhanced Short Maturit | 0.86% | 21,862 | $2.2M | Add +2.9% |
| DGRO iShares Core Dividend Growth | 0.80% | 29,166 | $2.0M | Reduce -0.5% |
| JMEE JPM Sma & Mid Cap En Eq Et-U filed as J P MORGAN EXCHANGE TRADED F | 0.72% | 28,591 | $1.8M | Add +1.1% |
| AVLV Avantis US Large Cap Value | 0.61% | 20,376 | $1.5M | Add +1.8% |
| DGRW Wisdomtree U.S. Quality Divi | 0.59% | 16,772 | $1.5M | Add +6.0% |
| VUG Vanguard Mrngstar GR ETF-Sui | 0.58% | 3,035 | $1.5M | Add +3.6% |
| REVS Columbia Resear Enh Val ETF | 0.58% | 52,103 | $1.5M | Add +4.9% |
| AMZN Amazon.com Inc. | 0.52% | 5,684 | $1.3M | Add +1.1% |
| IJT iShares S&P Small-Cap 600 GR | 0.48% | 8,612 | $1.2M | No change |
| COP Conocophillips | 0.47% | 12,708 | $1.2M | Reduce -0.1% |
| IJK iShares S&P Mid-Cap 400 Grow | 0.45% | 11,839 | $1.1M | Reduce -4.4% |
| JIRE JPMorgan Int Res Enh Eqty | 0.42% | 14,152 | $1.1M | Add +2.5% |
| NVS Novartis AG-Sponsored ADR | 0.41% | 7,635 | $1.1M | Add +3.2% |
| JAAA Janus Henderson Aaa Clo ETF | 0.40% | 20,060 | $1.0M | Reduce -0.3% |
| TSM Taiwan Semiconductor-SP ADR | 0.39% | 3,257 | $990K | Add +0.5% |
| ORI Old Republic Intl Corp. | 0.38% | 21,292 | $972K | Add +1.9% |
| TXN Texas Instruments Inc. | 0.37% | 5,454 | $946K | Add +0.2% |
| JPM JPMorgan Chase & Co. | 0.37% | 2,908 | $937K | Reduce -0.3% |
| NVDA Nvidia Corp. | 0.37% | 5,018 | $936K | Reduce -66.7% |
| PYLD PIMCO Multisector Bond Actv | 0.36% | 34,739 | $927K | Add +0.1% |
| GOOGL Alphabet Inc. Class A | 0.36% | 2,894 | $906K | Reduce -1.2% |
| WMT Walmart Inc. | 0.35% | 7,965 | $887K | No change |
| VTI VG Morningstar TS MKT ETF-US | 0.35% | 2,627 | $881K | Reduce -6.5% |
| AFL Aflac Inc. | 0.35% | 7,949 | $877K | No change |
| SCHG Schwab US Large-Cap Growth | 0.33% | 25,318 | $826K | Add +0.0% |
| RY Royal Bank of Canada | 0.31% | 4,585 | $782K | No change |
| CVX Chevron Corp. | 0.28% | 4,678 | $713K | Add +1.7% |
| IWP iShares Russell Mid-Cap Grow | 0.28% | 5,200 | $712K | No change |
| XOM Exxon Mobil Corp. | 0.27% | 5,674 | $683K | Add +1.8% |
| SPY SS SPDR S&P 500 ETF Trust-US | 0.27% | 992 | $676K | No change |
| COST Costco Wholesale Corp. | 0.27% | 781 | $673K | Reduce -0.4% |
| INGR Ingredion Inc. | 0.26% | 5,980 | $659K | Reduce -1.2% |
| VLO Valero Energy Corp. | 0.26% | 4,013 | $653K | No change |
| IJH iShares Core S&P Midcap ETF | 0.26% | 9,854 | $650K | Reduce -40.5% |
| BNS Bank of Nova Scotia filed as BANK NOVA SCOTIA HALIFAX | 0.25% | 8,780 | $647K | No change |
| V Visa Inc. Class A | 0.25% | 1,821 | $639K | Add +0.2% |
| JNJ Johnson & Johnson | 0.23% | 2,807 | $581K | No change |
| SCHM Schwab US Mid Cap ETF | 0.23% | 19,211 | $578K | Reduce -6.3% |
| ELV Elevance Health Inc. | 0.23% | 1,644 | $576K | No change |
| CSCO Cisco Systems Inc. | 0.22% | 7,332 | $565K | No change |
| AVGO Broadcom Inc. | 0.22% | 1,629 | $564K | Reduce -0.6% |
| EXP Eagle Materials Inc. | 0.22% | 2,717 | $562K | Add +1.2% |
| JMST JPM Ultra-Short Muni Income filed as J P MORGAN EXCHANGE TRADED F | 0.22% | 10,920 | $556K | No change |
| SU Suncor Energy Inc. | 0.22% | 12,526 | $556K | Add +8.5% |
| IWB iShares Russell 1000 ETF | 0.21% | 1,403 | $524K | No change |
| ITOT iShares Core S&P Total U.S. | 0.20% | 3,410 | $507K | No change |
| LADR Ladder Capital Corp.-REIT | 0.20% | 45,738 | $503K | Add +3.6% |
| TMO Thermo Fisher Scientific Inc. | 0.19% | 848 | $492K | Add +5.9% |
| ABT Abbott Laboratories | 0.19% | 3,752 | $470K | Add +2.1% |
| LLY Eli Lilly & Co. | 0.18% | 437 | $470K | Reduce -2.0% |
| XLK SS Technology Select Sector | 0.18% | 3,246 | $467K | No change |
| AXP American Express Co. | 0.18% | 1,233 | $456K | Add +0.1% |
| GATX Gatx Corp. | 0.17% | 2,600 | $441K | No change |
| SCHA Schwab US Small-Cap ETF | 0.16% | 14,706 | $419K | Reduce -8.1% |
| PG The Procter & Gamble Co. | 0.16% | 2,897 | $415K | Reduce -21.4% |
| ACWI iShares MSCI Acwi ETF | 0.16% | 2,903 | $411K | Reduce -0.7% |
| PEP Pepsico Inc. | 0.16% | 2,822 | $405K | No change |
| QQQ Invesco QQQ Trust Series 1 | 0.16% | 654 | $402K | Reduce -69.6% |
| PGR Progressive Corp. | 0.16% | 1,739 | $396K | No change |
| BRK.B Berkshire Hathaway Inc. Class B | 0.16% | 785 | $395K | Reduce -4.4% |
| DE Deere & Co. | 0.16% | 846 | $394K | Add +0.4% |
| MDY State Street SPDR S&P Midcap | 0.15% | 650 | $392K | No change |
| COF Capital One Financial Corp. | 0.15% | 1,600 | $388K | No change |
| MCD McDonald's Corp. | 0.15% | 1,245 | $380K | Add +4.0% |
| GLD SPDR Gold Shares | 0.15% | 943 | $374K | Add +34.3% |
| HD Home Depot Inc. | 0.14% | 1,026 | $353K | Add +0.4% |
| TRV The Travelers Cos Inc. | 0.14% | 1,185 | $344K | No change |
| DG Dollar General Corp. | 0.14% | 2,586 | $343K | Reduce -3.9% |
| VXF Vanguard Extended Market ETF | 0.13% | 1,604 | $335K | Add +0.8% |
| ALC Alcon Inc. filed as ALCON AG | 0.13% | 4,196 | $331K | Reduce -11.0% |
| CNI Canadian Natl Railway Co. | 0.13% | 3,326 | $329K | Add +3.8% |
| PSX Phillips 66 | 0.13% | 2,532 | $327K | No change |
| TSEM Tower Semiconductor Ltd. | 0.13% | 2,750 | $323K | New |
| BKH Black Hills Corp. | 0.13% | 4,649 | $323K | No change |
| CNQ Canadian Natural Resources | 0.13% | 9,510 | $322K | No change |
| NTR Nutrien Ltd. | 0.12% | 5,105 | $315K | No change |
| TJX TJX Companies Inc. filed as TJX COS INC NEW | 0.12% | 1,926 | $296K | Reduce -1.8% |
| IWS iShares Russell Mid-Cap Valu | 0.11% | 2,057 | $290K | No change |
| MSI Motorola Solutions Inc. | 0.11% | 738 | $283K | Add +0.1% |
Portfolio Sells Q3 2025 → Q4 2025
| IBDQ iShares Ibonds Dec 2025 Term | Sold out | 0.00% | −5.00 |
| NVDA Nvidia Corp. | Reduce -66.7% | 0.37% | −0.68 |
| IBHF iShares Ibond 2026 HY & Inc. | Reduce -10.2% | 4.76% | −0.35 |
| QGRO American Century US Quality | Reduce -10.3% | 5.82% | −0.34 |
| VO Vngrd Mrngstr MD-Cap ETF-Usd | Reduce -10.4% | 4.41% | −0.33 |
| QQQ Invesco QQQ Trust Series 1 | Reduce -69.6% | 0.16% | −0.33 |
| RSP Invesco S&P 500 Equal Weight | Reduce -13.5% | 3.55% | −0.31 |
| IVV iShares Core S&P 500 ETF | Reduce -22.2% | 1.61% | −0.31 |
| JBND JPMorgan Active Bond ETF | Reduce -10.2% | 4.40% | −0.26 |
| CGCP Cap Group Core Plus Income | Reduce -8.6% | 5.57% | −0.24 |
| AAPL Apple Inc. | Reduce -16.2% | 2.89% | −0.18 |
| ARKK ARK Innovation ETF | Sold out | 0.00% | −0.18 |
| IWF iShares Russell 1000 Growth | Reduce -10.0% | 3.34% | −0.15 |
| IJH iShares Core S&P Midcap ETF | Reduce -40.5% | 0.26% | −0.15 |
| JPST JPMorgan Ultra-Short Income | Reduce -7.0% | 5.75% | −0.14 |
| ORCL Oracle Corp. | Sold out | 0.00% | −0.12 |
| MSFT Microsoft Corp. | Reduce -8.9% | 1.02% | −0.12 |
| CIVI Civitas Resources Inc. | Sold out | 0.00% | −0.10 |
| NVO Novo-Nordisk A/S-Spons ADR | Sold out | 0.00% | −0.10 |
| DFAS Dimensional US Small Cap ETF | Reduce -9.5% | 2.92% | −0.09 |
| T AT&T Inc. | Sold out | 0.00% | −0.08 |
| AFG American Financial Group Inc. | Sold out | 0.00% | −0.08 |
| CGDV Cap Group Dividend Value | Reduce -9.4% | 5.82% | −0.06 |
| SPHQ Invesco S&P 500 Quality ETF | Reduce -8.4% | 4.33% | −0.06 |
| PG The Procter & Gamble Co. | Reduce -21.4% | 0.16% | −0.05 |
| WTV Wisdomtree U.S. Value Fund | Reduce -8.8% | 2.85% | −0.05 |
| CGGO Cap Group Global Growth | Reduce -7.3% | 3.38% | −0.04 |
| VB Vanguard Most SM-Cap ETF-Usd | Reduce -7.4% | 2.56% | −0.03 |
| INGR Ingredion Inc. | Reduce -1.2% | 0.26% | −0.02 |
| COST Costco Wholesale Corp. | Reduce -0.4% | 0.27% | −0.01 |
| SCHA Schwab US Small-Cap ETF | Reduce -8.1% | 0.16% | −0.00 |
| ALC Alcon Inc. | Reduce -11.0% | 0.13% | −0.00 |
| SCHM Schwab US Mid Cap ETF | Reduce -6.3% | 0.23% | 0.00 |
| BRK.B Berkshire Hathaway Inc. Class B | Reduce -4.4% | 0.16% | +0.00 |
| VTI VG Morningstar TS MKT ETF-US | Reduce -6.5% | 0.35% | +0.00 |
| IJR iShares Core S&P Small-Cap E | Reduce -3.8% | 0.10% | +0.00 |
| DBEF Xtrackers MSCI Eafe Hedged E | Reduce -8.2% | 2.73% | +0.00 |
| IJK iShares S&P Mid-Cap 400 Grow | Reduce -4.4% | 0.45% | +0.01 |
| TJX TJX Companies Inc. | Reduce -1.8% | 0.12% | +0.01 |
| ACWI iShares MSCI Acwi ETF | Reduce -0.7% | 0.16% | +0.01 |
| JAAA Janus Henderson Aaa Clo ETF | Reduce -0.3% | 0.40% | +0.02 |
| COP Conocophillips | Reduce -0.1% | 0.47% | +0.02 |
| AVGO Broadcom Inc. | Reduce -0.6% | 0.22% | +0.02 |
| CAT Caterpillar Inc. | Reduce -0.7% | 0.10% | +0.02 |
| JPM JPMorgan Chase & Co. | Reduce -0.3% | 0.37% | +0.02 |
| DG Dollar General Corp. | Reduce -3.9% | 0.14% | +0.03 |
| DGRO iShares Core Dividend Growth | Reduce -0.5% | 0.80% | +0.05 |
| LLY Eli Lilly & Co. | Reduce -2.0% | 0.18% | +0.06 |
| GOOGL Alphabet Inc. Class A | Reduce -1.2% | 0.36% | +0.09 |
Portfolio Buys Q3 2025 → Q4 2025
| IBDU iShares Ibonds Dec 2029 Term | New | 4.63% | +4.63 |
| BKDV BNY Mellon Dynamic Value | New | 3.03% | +3.03 |
| TSEM Tower Semiconductor Ltd. | New | 0.13% | +0.13 |
| AMAT Applied Materials Inc. | New | 0.09% | +0.09 |
| COWZ Pacer US Cash Cows 100 ETF | New | 0.08% | +0.08 |
| SYK Stryker Corp. | New | 0.08% | +0.08 |
| AEM Agnico Eagle Mines Ltd. | Add +1.6% | 0.97% | +0.07 |
| AVLV Avantis US Large Cap Value | Add +1.8% | 0.61% | +0.07 |
| DGRW Wisdomtree U.S. Quality Divi | Add +6.0% | 0.59% | +0.06 |
| MINT PIMCO Enhanced Short Maturit | Add +2.9% | 0.86% | +0.06 |
| REVS Columbia Resear Enh Val ETF | Add +4.9% | 0.58% | +0.06 |
| SD Sandridge Energy Inc. | New | 0.06% | +0.06 |
| NVS Novartis AG-Sponsored ADR | Add +3.2% | 0.41% | +0.06 |
| VUG Vanguard Mrngstar GR ETF-Sui | Add +3.6% | 0.58% | +0.06 |
| AMZN Amazon.com Inc. | Add +1.1% | 0.52% | +0.05 |
| GLD SPDR Gold Shares | Add +34.3% | 0.15% | +0.05 |
| JMEE JPM Sma & Mid Cap En Eq Et-U | Add +1.1% | 0.72% | +0.05 |
| TSM Taiwan Semiconductor-SP ADR | Add +0.5% | 0.39% | +0.05 |
| ORI Old Republic Intl Corp. | Add +1.9% | 0.38% | +0.05 |
| TMO Thermo Fisher Scientific Inc. | Add +5.9% | 0.19% | +0.05 |
| SU Suncor Energy Inc. | Add +8.5% | 0.22% | +0.04 |
| JIRE JPMorgan Int Res Enh Eqty | Add +2.5% | 0.42% | +0.04 |
| XOM Exxon Mobil Corp. | Add +1.8% | 0.27% | +0.03 |
| AXP American Express Co. | Add +0.1% | 0.18% | +0.03 |
| SCHG Schwab US Large-Cap Growth | Add +0.0% | 0.33% | +0.02 |
| V Visa Inc. Class A | Add +0.2% | 0.25% | +0.02 |
| LADR Ladder Capital Corp.-REIT | Add +3.6% | 0.20% | +0.02 |
| CNI Canadian Natl Railway Co. | Add +3.8% | 0.13% | +0.02 |
| PYLD PIMCO Multisector Bond Actv | Add +0.1% | 0.36% | +0.02 |
| ROK Rockwell Automation Inc. | Add +0.4% | 0.11% | +0.02 |
| MCD McDonald's Corp. | Add +4.0% | 0.15% | +0.01 |
| CVX Chevron Corp. | Add +1.7% | 0.28% | +0.01 |
| SPGI S&P Global Inc. | Add +0.6% | 0.10% | +0.01 |
| DE Deere & Co. | Add +0.4% | 0.16% | +0.01 |
| VXF Vanguard Extended Market ETF | Add +0.8% | 0.13% | +0.01 |
| ABT Abbott Laboratories | Add +2.1% | 0.19% | +0.00 |
| KRP Kimbell Royalty Partners LP | Add +9.4% | 0.06% | +0.00 |
| STATE STR SPDR S&P 500 ETF T | New | 0.00% | +0.00 |
| TXN Texas Instruments Inc. | Add +0.2% | 0.37% | −0.00 |
| DHI D.R. Horton Inc. | Add +0.9% | 0.10% | −0.01 |
| EXP Eagle Materials Inc. | Add +1.2% | 0.22% | −0.01 |
| MSI Motorola Solutions Inc. | Add +0.1% | 0.11% | −0.01 |
| HD Home Depot Inc. | Add +0.4% | 0.14% | −0.02 |
All Filings
| Quarter | Positions | 13F Reported Value | Top Holdings |
|---|---|---|---|
| Q2 2026 | 128 | $278.7M | CGDV, JPST, CGCP, SPHQ, VO |
| Q1 2026 | 122 | $252.4M | JPST, CGDV, CGCP, IBHF, IBDU |
| Q4 2025 | 121 | $254.0M | QGRO, CGDV, JPST, CGCP, IBHF |
| Q3 2025 | 120 | $267.3M | QGRO, JPST, CGDV, CGCP, IBHF |
| Q2 2025 | 116 | $248.8M | QGRO, CGCP, JPST, CGDV, IBDQ |
| Q1 2025 | 115 | $228.3M | JPST, CGCP, CGDV, IBHF, IBDQ |
| Q4 2024 | 110 | $228.0M | JPST, CGCP, CGDV, IBHF, VO |
| Q3 2024 | 116 | $229.7M | CGCP, JPST, CGDV, IBHF, VO |
| Q2 2024 | 116 | $216.2M | JPST, CGCP, IBHF, CGDV, VO |
| Q1 2024 | 115 | $210.3M | JPST, CGCP, IBHF, VO, CGDV |