Summit Wealth & Retirement Planning, Inc.

In its 13F for Q4 2024 (holdings as of December 31, 2024, filed January 28, 2025), Summit Wealth & Retirement Planning, Inc. reported 75 stock positions worth $323.1 million. Its top holding was Vngrd Mrngstr MG Cap ETF-Usd (MGC) at 14.7% of the portfolio, followed by Schwab US Large-Cap Growth (SCHG, 13.2%) and Schwab US Large-Cap Value (SCHV, 13.0%). Compared with Q3 2024, it opened 8 new positions, sold out of 1, added to 28 and reduced 13. The biggest buy was Vngrd Mrngstr MG Cap ETF-Usd (MGC, shares +21%) and the biggest sale Imgp Dbi MFT STR ETF-Usd (DBMF, shares −17%).

Most Recent 13F
Q2 2026
Location
EAGLE, ID
CIK
0001766995
Portfolio Value
$323.1M (Q4 2024)
SEC Filing
0001766995-25-000001 ↗ filed Jan 28, 2025

Holdings Value

0$100.0M$200.0M$300.0M$400.0M$500.0M Q1 2024: $280.5M Q1 2024 Q2 2024: $293.7M Q2 2024 Q3 2024: $313.3M Q3 2024 Q4 2024: $323.1M $323.1M Q4 2024 Q1 2025: $326.3M Q1 2025 Q2 2025: $372.5M Q2 2025 Q3 2025: $406.9M Q3 2025 Q4 2025: $424.7M Q4 2025 Q1 2026: $419.1M Q1 2026 Q2 2026: $471.9M Q2 2026

Holdings 75 stocks · $323.1M
MGC Vngrd Mrngstr MG Cap ETF-Usd 14.74% 223,935 $47.6M Add +20.8%
SCHG Schwab US Large-Cap Growth 13.22% 1,532,498 $42.7M Reduce -1.8%
SCHV Schwab US Large-Cap Value 13.02% 1,613,829 $42.1M Reduce -0.4%
SCHF Schwab Intl Equity ETF 6.72% 1,173,170 $21.7M Add +2.6%
GLTR Abrdn Precious Metals Basket 4.97% 146,293 $16.1M Add +0.6%
SCHA Schwab US Small-Cap ETF 4.73% 590,903 $15.3M Add +0.4%
DBMF Imgp Dbi MFT STR ETF-Usd Inc. 4.47% 552,124 $14.4M Reduce -16.9%
SCHE Schwab Emrg Mrkts Eqty ETF 4.39% 532,476 $14.2M Add +1.4%
BOXX Alpha Architect 1-3 MNTH Box 4.34% 127,187 $14.0M Add +4.9%
IWD iShares Russell 1000 Value E 3.70% 64,496 $11.9M Reduce -0.4%
EFA iShares MSCI Eafe ETF 2.52% 107,655 $8.1M Reduce -1.0%
SPY SS SPDR S&P 500 ETF Trust-US 2.38% 13,121 $7.7M Reduce -1.3%
AAPL Apple Inc. 2.19% 28,231 $7.1M Add +0.6%
IWM iShares Russell 2000 ETF 1.82% 26,624 $5.9M Reduce -0.3%
SCHB Schwab US Broad Market ETF 1.67% 237,647 $5.4M Add +0.7%
EEM iShares MSCI Emerging Market 1.53% 118,432 $5.0M Reduce -1.5%
IWF iShares Russell 1000 Growth 1.43% 11,473 $4.6M Add +6.9%
VBR Vngrd Mrngst SL-CP Val ETF-U 1.16% 18,836 $3.7M Add +92.5%
MSFT Microsoft Corp. 1.09% 8,369 $3.5M Add +13.8%
GOOGL Alphabet Inc. Class A 0.65% 11,140 $2.1M No change
VGIT Vanguard Intermediate-Term T 0.65% 36,273 $2.1M Reduce -2.2%
JPM JPMorgan Chase & Co. 0.58% 7,866 $1.9M No change
NVDA Nvidia Corp. 0.42% 10,222 $1.4M Add +7.5%
CPRT Copart Inc. 0.42% 23,868 $1.4M No change
TSLA Tesla Inc. 0.35% 2,828 $1.1M No change
GOOG Alphabet Inc. Class C 0.32% 5,444 $1.0M Add +5.4%
SYLD Cambria Shareholder Yield Et 0.31% 14,601 $1000K Add +30.3%
BRK.B Berkshire Hathaway Inc. Class B 0.27% 1,948 $883K Add +16.8%
XOM Exxon Mobil Corp. 0.23% 6,797 $731K Add +7.9%
VTV Vanguard Mrngstr Val ETF-Aui 0.22% 4,226 $715K New
SCHD Schwab US DVD Equity ETF 0.22% 26,180 $715K Reduce -1.7%
AMZN Amazon.com Inc. 0.21% 3,157 $693K Add +6.8%
IEFA iShares Core MSCI Eafe ETF 0.21% 9,518 $669K New
SSD Simpson Manufacturing Co. Inc. 0.20% 3,857 $640K No change
BAC Bank of America Corp. filed as BANK AMERICA CORP 0.19% 14,218 $625K Add +7.1%
VB Vanguard Most SM-Cap ETF-Usd 0.18% 2,475 $595K Add +8.7%
QQQ Invesco QQQ Trust Series 1 0.18% 1,144 $585K No change
VYM Vanguard High DVD Yield ETF 0.18% 4,486 $572K No change
HD Home Depot Inc. 0.17% 1,386 $539K Add +12.3%
VEA Vanguard Ftse Developed ETF 0.16% 11,062 $529K Add +0.2%
IWB iShares Russell 1000 ETF 0.16% 1,599 $515K No change
AVGO Broadcom Inc. 0.15% 2,130 $494K New
CMG Chipotle Mexican Grill Inc. 0.15% 8,100 $488K No change
COST Costco Wholesale Corp. 0.15% 527 $483K Add +16.9%
MRK Merck & Co. Inc. 0.14% 4,675 $465K Add +2.9%
HDV iShares Core High Dividend E 0.14% 4,006 $450K Reduce -1.0%
VO Vngrd Mrngstr MD-Cap ETF-Usd 0.14% 1,699 $449K No change
VOO Vanguard S&P 500 ETF 0.14% 815 $439K New
PANW Palo Alto Networks Inc. 0.14% 2,410 $439K No change
VUG Vanguard Mrngstar GR ETF-Sui 0.13% 1,032 $424K No change
LLY Eli Lilly & Co. 0.13% 546 $422K Add +84.5%
STT State Street Corp. 0.12% 4,022 $395K No change
META Meta Platforms Inc. Class A 0.12% 650 $381K No change
QCOM Qualcomm Inc. 0.11% 2,380 $366K No change
PG The Procter & Gamble Co. 0.11% 2,109 $354K No change
BIV Vanguard Intermediate-Term B 0.10% 4,180 $312K Reduce -38.2%
JNJ Johnson & Johnson 0.09% 2,045 $296K Add +33.2%
CSCO Cisco Systems Inc. 0.09% 4,947 $293K Add +0.0%
V Visa Inc. Class A 0.09% 918 $290K No change
DIS The Walt Disney Co. filed as DISNEY WALT CO 0.09% 2,494 $278K No change
VV Vngrd Mrgstr LRG-Cap ETF-Usd 0.08% 1,006 $271K No change
JEPI JPMorgan Equity Premium Inco 0.08% 4,710 $271K Add +21.4%
ABBV Abbvie Inc. 0.08% 1,455 $259K Add +16.4%
IWR iShares Russell Mid-Cap ETF 0.08% 2,924 $259K New
VWO Vanguard Ftse Emerging Marke 0.08% 5,787 $255K New
VOE Vngrd Mrngstr MD-Cap Val ETF 0.08% 1,567 $253K No change
IJH iShares Core S&P Midcap ETF 0.08% 3,955 $246K No change
WFC Wells Fargo & Co. 0.07% 3,223 $226K New
AMGN Amgen Inc. 0.07% 853 $222K No change
IUSV iShares Core S&P U.S. Value 0.07% 2,345 $217K No change
FTCS First Trust Capital Strength 0.07% 2,433 $214K Reduce -8.1%
ORCL Oracle Corp. 0.07% 1,281 $214K No change
JGRO JPMorgan Active Growth ETF 0.07% 2,612 $212K No change
AGOX Adaptive Alpha Opportunities 0.06% 7,619 $207K No change
DFAC Dimensional US Core Equity 2 0.06% 5,822 $201K New

Portfolio Sells Q3 2024 → Q4 2024
DBMF Imgp Dbi MFT STR ETF-Usd Inc. Reduce -16.9% 4.47% −1.50
SCHV Schwab US Large-Cap Value Reduce -0.4% 13.02% −0.83
EFA iShares MSCI Eafe ETF Reduce -1.0% 2.52% −0.38
EEM iShares MSCI Emerging Market Reduce -1.5% 1.53% −0.23
IWD iShares Russell 1000 Value E Reduce -0.4% 3.70% −0.23
AMD Advanced Micro Devices Sold out 0.00% −0.09
BIV Vanguard Intermediate-Term B Reduce -38.2% 0.10% −0.07
VGIT Vanguard Intermediate-Term T Reduce -2.2% 0.65% −0.06
IWM iShares Russell 2000 ETF Reduce -0.3% 1.82% −0.06
SPY SS SPDR S&P 500 ETF Trust-US Reduce -1.3% 2.38% −0.05
SCHD Schwab US DVD Equity ETF Reduce -1.7% 0.22% −0.02
HDV iShares Core High Dividend E Reduce -1.0% 0.14% −0.01
FTCS First Trust Capital Strength Reduce -8.1% 0.07% −0.01
SCHG Schwab US Large-Cap Growth Reduce -1.8% 13.22% +0.24

Portfolio Buys Q3 2024 → Q4 2024
MGC Vngrd Mrngstr MG Cap ETF-Usd Add +20.8% 14.74% +2.51
VBR Vngrd Mrngst SL-CP Val ETF-U Add +92.5% 1.16% +0.53
VTV Vanguard Mrngstr Val ETF-Aui New 0.22% +0.22
IEFA iShares Core MSCI Eafe ETF New 0.21% +0.21
AVGO Broadcom Inc. New 0.15% +0.15
IWF iShares Russell 1000 Growth Add +6.9% 1.43% +0.14
VOO Vanguard S&P 500 ETF New 0.14% +0.14
BOXX Alpha Architect 1-3 MNTH Box Add +4.9% 4.34% +0.13
AAPL Apple Inc. Add +0.6% 2.19% +0.10
MSFT Microsoft Corp. Add +13.8% 1.09% +0.08
IWR iShares Russell Mid-Cap ETF New 0.08% +0.08
VWO Vanguard Ftse Emerging Marke New 0.08% +0.08
WFC Wells Fargo & Co. New 0.07% +0.07
DFAC Dimensional US Core Equity 2 New 0.06% +0.06
NVDA Nvidia Corp. Add +7.5% 0.42% +0.06
SYLD Cambria Shareholder Yield Et Add +30.3% 0.31% +0.05
LLY Eli Lilly & Co. Add +84.5% 0.13% +0.05
GOOG Alphabet Inc. Class C Add +5.4% 0.32% +0.05
AMZN Amazon.com Inc. Add +6.8% 0.21% +0.04
BRK.B Berkshire Hathaway Inc. Class B Add +16.8% 0.27% +0.03
BAC Bank of America Corp. Add +7.1% 0.19% +0.03
COST Costco Wholesale Corp. Add +16.9% 0.15% +0.02
JNJ Johnson & Johnson Add +33.2% 0.09% +0.01
VB Vanguard Most SM-Cap ETF-Usd Add +8.7% 0.18% +0.01
JEPI JPMorgan Equity Premium Inco Add +21.4% 0.08% +0.01
HD Home Depot Inc. Add +12.3% 0.17% +0.01
CSCO Cisco Systems Inc. Add +0.0% 0.09% +0.01
ABBV Abbvie Inc. Add +16.4% 0.08% +0.00
SCHB Schwab US Broad Market ETF Add +0.7% 1.67% −0.00
XOM Exxon Mobil Corp. Add +7.9% 0.23% −0.01
MRK Merck & Co. Inc. Add +2.9% 0.14% −0.02
VEA Vanguard Ftse Developed ETF Add +0.2% 0.16% −0.02
SCHA Schwab US Small-Cap ETF Add +0.4% 4.73% −0.11
GLTR Abrdn Precious Metals Basket Add +0.6% 4.97% −0.29
SCHE Schwab Emrg Mrkts Eqty ETF Add +1.4% 4.39% −0.50
SCHF Schwab Intl Equity ETF Add +2.6% 6.72% −0.78

All Filings

QuarterPositions13F Reported ValueTop Holdings
Q2 2026 113$471.9MSCHV, MGC, SCHG, SCHF, GLTR
Q1 2026 108$419.1MSCHV, MGC, SCHG, SCHF, GLTR
Q4 2025 111$424.7MMGC, SCHV, SCHG, SCHF, GLTR
Q3 2025 105$406.9MMGC, SCHG, SCHV, SCHF, GLTR
Q2 2025 101$372.5MMGC, SCHV, SCHG, SCHF, GLTR
Q1 2025 78$326.3MSCHV, MGC, SCHG, SCHF, GLTR
Q4 2024 75$323.1MMGC, SCHG, SCHV, SCHF, GLTR
Q3 2024 68$313.3MSCHV, SCHG, MGC, SCHF, DBMF
Q2 2024 64$293.7MSCHG, SCHV, MGC, SCHF, DBMF
Q1 2024 63$280.5MSCHV, SCHG, MGC, SCHF, DBMF