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

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 Q3 2025 Q4 2025: $254.0M $254.0M Q4 2025 Q1 2026: $252.4M Q1 2026 Q2 2026: $278.7M Q2 2026

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%
NVMI Nova Ltd. 0.11% 839 $276K No change
VTEB Vanguard Tax-Exempt Bond ETF 0.11% 5,440 $274K No change
SCHB Schwab US Broad Market ETF 0.11% 10,262 $269K No change
ROK Rockwell Automation Inc. 0.11% 691 $269K Add +0.4%
DHI D.R. Horton Inc. 0.10% 1,807 $260K Add +0.9%
IJR iShares Core S&P Small-Cap E 0.10% 2,162 $260K Reduce -3.8%
CAT Caterpillar Inc. 0.10% 453 $260K Reduce -0.7%
PEG Public Service Enterprise GP 0.10% 3,233 $260K No change
MMM 3M Co. 0.10% 1,600 $256K No change
SPGI S&P Global Inc. 0.10% 475 $248K Add +0.6%
MELI MercadoLibre Inc. 0.09% 112 $226K No change
AMAT Applied Materials Inc. 0.09% 873 $224K New
ECF Ellsworth Growth and Income 0.09% 18,772 $218K No change
ET Energy Transfer LP 0.08% 12,987 $214K No change
COWZ Pacer US Cash Cows 100 ETF 0.08% 3,470 $209K New
SYK Stryker Corp. 0.08% 579 $204K New
KRP Kimbell Royalty Partners LP 0.06% 14,015 $165K Add +9.4%
SD Sandridge Energy Inc. 0.06% 10,667 $154K New
KMDA Kamada Ltd. 0.03% 12,524 $88K No change
ABEV Ambev SA-ADR 0.01% 10,000 $25K No change
STATE STR SPDR S&P 500 ETF T 0.00% 5 $203 New

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

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