Summit Wealth & Retirement Planning, Inc.

In its 13F for Q3 2025 (holdings as of September 30, 2025, filed November 4, 2025), Summit Wealth & Retirement Planning, Inc. reported 105 stock positions worth $406.9 million. Its top holding was Vngrd Mrngstr MG Cap ETF-Usd (MGC) at 13.0% of the portfolio, followed by Schwab US Large-Cap Growth (SCHG, 12.2%) and Schwab US Large-Cap Value (SCHV, 11.9%). Compared with Q2 2025, it opened 6 new positions, sold out of 2, added to 25 and reduced 25. The biggest buy was Schwab Intl Equity ETF (SCHF, shares +13%) and the biggest sale Schwab Emrg Mrkts Eqty ETF (SCHE, shares −15%).

Most Recent 13F
Q2 2026
Location
EAGLE, ID
CIK
0001766995
Portfolio Value
$406.9M (Q3 2025)
SEC Filing
0001766995-25-000008 ↗ filed Nov 4, 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 Q4 2024 Q1 2025: $326.3M Q1 2025 Q2 2025: $372.5M Q2 2025 Q3 2025: $406.9M $406.9M Q3 2025 Q4 2025: $424.7M Q4 2025 Q1 2026: $419.1M Q1 2026 Q2 2026: $471.9M Q2 2026

Holdings 105 stocks · $406.9M
MGC Vngrd Mrngstr MG Cap ETF-Usd 12.96% 216,103 $52.7M Add +0.5%
SCHG Schwab US Large-Cap Growth 12.19% 1,554,241 $49.6M Add +0.4%
SCHV Schwab US Large-Cap Value 11.92% 1,666,269 $48.5M Add +1.2%
SCHF Schwab Intl Equity ETF 8.19% 1,432,169 $33.3M Add +12.6%
GLTR Abrdn Precious Metals Basket 6.15% 151,260 $25.0M Reduce -0.3%
SCHE Schwab Emrg Mrkts Eqty ETF 4.07% 495,815 $16.5M Reduce -15.0%
SCHA Schwab US Small-Cap ETF 3.96% 577,395 $16.1M Reduce -3.7%
DBMF Imgp Dbi MFT STR ETF-Usd Inc. 3.96% 589,581 $16.1M Add +0.6%
BOXX Alpha Architect 1-3 MNTH Box 3.86% 137,960 $15.7M Add +1.9%
IWD iShares Russell 1000 Value E 3.05% 61,041 $12.4M Reduce -0.3%
EFA iShares MSCI Eafe ETF 2.25% 98,151 $9.2M Reduce -0.4%
SPY SS SPDR S&P 500 ETF Trust-US 2.00% 12,230 $8.1M Reduce -5.9%
AAPL Apple Inc. 1.73% 27,629 $7.0M Reduce -2.3%
SCHB Schwab US Broad Market ETF 1.52% 240,670 $6.2M Add +0.3%
IWM iShares Russell 2000 ETF 1.40% 23,497 $5.7M Reduce -0.5%
MSFT Microsoft Corp. 1.40% 10,967 $5.7M No change
IWF iShares Russell 1000 Growth 1.28% 11,106 $5.2M Reduce -0.8%
EEM iShares MSCI Emerging Market 1.25% 95,482 $5.1M Reduce -5.3%
VOO Vanguard S&P 500 ETF 1.13% 7,488 $4.6M Reduce -0.7%
VBR Vngrd Mrngst SL-CP Val ETF-U 1.02% 19,932 $4.2M Add +0.4%
GOOGL Alphabet Inc. Class A 0.80% 13,403 $3.3M Reduce -0.7%
TSLA Tesla Inc. 0.72% 6,627 $2.9M Reduce -5.4%
JPM JPMorgan Chase & Co. 0.64% 8,220 $2.6M No change
VTV Vanguard Mrngstr Val ETF-Aui 0.61% 13,264 $2.5M Add +6.6%
VB Vanguard Most SM-Cap ETF-Usd 0.58% 9,241 $2.3M Reduce -2.3%
AVGO Broadcom Inc. 0.52% 6,378 $2.1M No change
NVDA Nvidia Corp. 0.51% 11,121 $2.1M Reduce -0.5%
VGIT Vanguard Intermediate-Term T 0.49% 33,275 $2.0M Add +2.4%
BRK.B Berkshire Hathaway Inc. Class B 0.48% 3,894 $2.0M Add +0.3%
GOOG Alphabet Inc. Class C 0.43% 7,116 $1.7M No change
VUG Vanguard Mrngstar GR ETF-Sui 0.39% 3,311 $1.6M Add +2.4%
IEFA iShares Core MSCI Eafe ETF 0.34% 16,066 $1.4M Add +2.6%
SYLD Cambria Shareholder Yield Et 0.34% 20,408 $1.4M Add +19.0%
AAUS Alpha Architect US Eqy ETF 0.32% 24,284 $1.3M New
HD Home Depot Inc. 0.28% 2,776 $1.1M No change
CPRT Copart Inc. 0.26% 23,848 $1.1M Reduce -0.1%
AMZN Amazon.com Inc. 0.22% 4,129 $907K No change
BAC Bank of America Corp. filed as BANK AMERICA CORP 0.20% 15,543 $802K No change
ABBV Abbvie Inc. 0.20% 3,457 $800K No change
LLY Eli Lilly & Co. 0.20% 1,043 $796K Add +3.9%
ORLY O'reilly Automotive Inc. 0.19% 7,230 $779K No change
SCHD Schwab US DVD Equity ETF 0.18% 26,846 $733K Add +1.7%
XOM Exxon Mobil Corp. 0.18% 6,344 $715K Reduce -8.0%
VEA Vanguard Ftse Developed ETF 0.16% 11,128 $667K Add +0.0%
SSD Simpson Manufacturing Co. Inc. 0.16% 3,857 $646K No change
VTI VG Morningstar TS MKT ETF-US 0.16% 1,942 $637K Add +25.4%
VYM Vanguard High DVD Yield ETF 0.16% 4,486 $632K No change
MA Mastercard Inc. Class A 0.15% 1,102 $627K No change
RTX RTX Corp. 0.15% 3,702 $619K No change
IWB iShares Russell 1000 ETF 0.14% 1,599 $584K No change
COST Costco Wholesale Corp. 0.14% 610 $565K No change
VWO Vanguard Ftse Emerging Marke 0.14% 10,146 $550K Add +0.6%
QQQ Invesco QQQ Trust Series 1 0.13% 898 $539K Reduce -21.5%
ABT Abbott Laboratories 0.13% 4,002 $536K No change
BLK BlackRock Inc. 0.13% 444 $518K No change
PANW Palo Alto Networks Inc. 0.13% 2,530 $515K No change
VO Vngrd Mrngstr MD-Cap ETF-Usd 0.12% 1,699 $499K No change
STT State Street Corp. 0.12% 4,294 $498K No change
HDV iShares Core High Dividend E 0.12% 4,040 $495K Add +0.4%
META Meta Platforms Inc. Class A 0.12% 667 $490K Add +0.9%
SYK Stryker Corp. 0.12% 1,288 $476K Reduce -1.0%
MS Morgan Stanley 0.11% 2,800 $445K No change
CME Cme Group Inc. 0.11% 1,637 $442K No change
QCOM Qualcomm Inc. 0.11% 2,580 $429K No change
ORCL Oracle Corp. 0.10% 1,481 $417K No change
SCHW Schwab (charles) Corp. 0.10% 4,303 $411K Add +0.1%
JNJ Johnson & Johnson 0.10% 2,093 $388K Reduce -0.1%
V Visa Inc. Class A 0.09% 1,116 $381K No change
MRK Merck & Co. Inc. 0.09% 4,461 $374K Reduce -11.1%
SRE Sempra 0.09% 3,989 $359K No change
TSCO Tractor Supply Company 0.09% 6,300 $358K No change
NSC Norfolk Southern Corp. 0.08% 1,142 $343K No change
CSCO Cisco Systems Inc. 0.08% 4,949 $339K No change
PG The Procter & Gamble Co. 0.08% 2,190 $336K Reduce -0.5%
UNH Unitedhealth Group Inc. 0.08% 937 $324K No change
IBIT iShares Bitcoin Trust ETF 0.08% 4,971 $323K New
DIS The Walt Disney Co. filed as DISNEY WALT CO 0.08% 2,808 $322K Add +0.4%
XLK SS Technology Select Sector 0.08% 1,130 $319K No change
VV Vngrd Mrgstr LRG-Cap ETF-Usd 0.08% 1,006 $310K No change
TT Trane Technologies PLC 0.07% 719 $303K No change
MAR Marriott International Class A 0.07% 1,135 $296K No change
IWR iShares Russell Mid-Cap ETF 0.07% 2,924 $282K No change
WFC Wells Fargo & Co. 0.07% 3,362 $282K No change
JEPI JPMorgan Equity Premium Inco 0.07% 4,810 $275K No change
HII Huntington Ingalls Industrie 0.07% 953 $274K No change
VOE Vngrd Mrngstr MD-Cap Val ETF 0.07% 1,567 $274K No change
JGRO JPMorgan Active Growth ETF 0.07% 2,835 $266K No change
DFAC Dimensional US Core Equity 2 0.07% 6,885 $266K No change
BILL Bill Holdings Inc. 0.07% 5,000 $265K No change
DE Deere & Co. 0.06% 565 $258K No change
IJH iShares Core S&P Midcap ETF 0.06% 3,955 $258K No change
AMD Advanced Micro Devices 0.06% 1,555 $252K Reduce -5.3%
MCD McDonald's Corp. 0.06% 824 $250K Add +0.4%
AMGN Amgen Inc. 0.06% 845 $238K Reduce -0.5%
IUSV iShares Core S&P U.S. Value 0.06% 2,345 $234K No change
GE General Electric filed as GE AEROSPACE 0.06% 773 $233K New
JQUA JPMorgan US Quality Factor 0.06% 3,642 $229K No change
FTCS First Trust Capital Strength 0.06% 2,433 $228K No change
JAVA JPMorgan Active Value ETF 0.05% 3,178 $219K No change
JVAL JPMorgan US Value Factor ETF 0.05% 4,580 $218K No change
CMG Chipotle Mexican Grill Inc. 0.05% 5,420 $212K Reduce -33.1%
BIV Vanguard Intermediate-Term B 0.05% 2,678 $209K New
DVY iShares Select Dividend ETF 0.05% 1,459 $207K New
AQST Aquestive Therapeutics Inc. 0.02% 15,000 $84K Add +50.0%
ABX Abacus Global Management Inc. 0.01% 10,000 $57K New
Other holdings (1): bonds, preferreds, convertibles and warrants · $3K (not counted above)
SecurityClassShares / PrincipalValueChange
DAICW Cid Holdco Inc. -26 *W EXP 12/31/202 18,456$3KNew

Total filed on the 13F, all lines: $406.9M.

Portfolio Sells Q2 2025 → Q3 2025
SCHE Schwab Emrg Mrkts Eqty ETF Reduce -15.0% 4.07% −0.65
SPY SS SPDR S&P 500 ETF Trust-US Reduce -5.9% 2.00% −0.15
IWD iShares Russell 1000 Value E Reduce -0.3% 3.05% −0.14
SCHA Schwab US Small-Cap ETF Reduce -3.7% 3.96% −0.11
EFA iShares MSCI Eafe ETF Reduce -0.4% 2.25% −0.11
CMG Chipotle Mexican Grill Inc. Reduce -33.1% 0.05% −0.07
IBM Intl Business Machines Corp. Sold out 0.00% −0.06
HON Honeywell International Inc. Sold out 0.00% −0.06
EEM iShares MSCI Emerging Market Reduce -5.3% 1.25% −0.05
CPRT Copart Inc. Reduce -0.1% 0.26% −0.05
QQQ Invesco QQQ Trust Series 1 Reduce -21.5% 0.13% −0.04
VB Vanguard Most SM-Cap ETF-Usd Reduce -2.3% 0.58% −0.02
XOM Exxon Mobil Corp. Reduce -8.0% 0.18% −0.02
VOO Vanguard S&P 500 ETF Reduce -0.7% 1.13% −0.02
SYK Stryker Corp. Reduce -1.0% 0.12% −0.02
MRK Merck & Co. Inc. Reduce -11.1% 0.09% −0.01
PG The Procter & Gamble Co. Reduce -0.5% 0.08% −0.01
AMGN Amgen Inc. Reduce -0.5% 0.06% −0.01
AMD Advanced Micro Devices Reduce -5.3% 0.06% −0.00
IWF iShares Russell 1000 Growth Reduce -0.8% 1.28% +0.00
JNJ Johnson & Johnson Reduce -0.1% 0.10% +0.01
IWM iShares Russell 2000 ETF Reduce -0.5% 1.40% +0.03
NVDA Nvidia Corp. Reduce -0.5% 0.51% +0.04
TSLA Tesla Inc. Reduce -5.4% 0.72% +0.13
GOOGL Alphabet Inc. Class A Reduce -0.7% 0.80% +0.16
AAPL Apple Inc. Reduce -2.3% 1.73% +0.17
GLTR Abrdn Precious Metals Basket Reduce -0.3% 6.15% +0.53

Portfolio Buys Q2 2025 → Q3 2025
SCHF Schwab Intl Equity ETF Add +12.6% 8.19% +0.65
AAUS Alpha Architect US Eqy ETF New 0.32% +0.32
IBIT iShares Bitcoin Trust ETF New 0.08% +0.08
GE General Electric New 0.06% +0.06
SCHG Schwab US Large-Cap Growth Add +0.4% 12.19% +0.05
BIV Vanguard Intermediate-Term B New 0.05% +0.05
DVY iShares Select Dividend ETF New 0.05% +0.05
SYLD Cambria Shareholder Yield Et Add +19.0% 0.34% +0.04
VTI VG Morningstar TS MKT ETF-US Add +25.4% 0.16% +0.03
VTV Vanguard Mrngstr Val ETF-Aui Add +6.6% 0.61% +0.02
ABX Abacus Global Management Inc. New 0.01% +0.01
AQST Aquestive Therapeutics Inc. Add +50.0% 0.02% +0.01
VUG Vanguard Mrngstar GR ETF-Sui Add +2.4% 0.39% +0.01
VWO Vanguard Ftse Emerging Marke Add +0.6% 0.14% +0.00
MCD McDonald's Corp. Add +0.4% 0.06% −0.00
SCHW Schwab (charles) Corp. Add +0.1% 0.10% −0.00
HDV iShares Core High Dividend E Add +0.4% 0.12% −0.00
IEFA iShares Core MSCI Eafe ETF Add +2.6% 0.34% −0.01
VEA Vanguard Ftse Developed ETF Add +0.0% 0.16% −0.01
SCHD Schwab US DVD Equity ETF Add +1.7% 0.18% −0.01
META Meta Platforms Inc. Class A Add +0.9% 0.12% −0.01
MGC Vngrd Mrngstr MG Cap ETF-Usd Add +0.5% 12.96% −0.01
DIS The Walt Disney Co. Add +0.4% 0.08% −0.01
SCHB Schwab US Broad Market ETF Add +0.3% 1.52% −0.01
LLY Eli Lilly & Co. Add +3.9% 0.20% −0.01
VBR Vngrd Mrngst SL-CP Val ETF-U Add +0.4% 1.02% −0.02
BRK.B Berkshire Hathaway Inc. Class B Add +0.3% 0.48% −0.03
VGIT Vanguard Intermediate-Term T Add +2.4% 0.49% −0.03
DBMF Imgp Dbi MFT STR ETF-Usd Inc. Add +0.6% 3.96% −0.09
BOXX Alpha Architect 1-3 MNTH Box Add +1.9% 3.86% −0.24
SCHV Schwab US Large-Cap Value Add +1.2% 11.92% −0.31

Notes & Other Activity Q2 2025 → Q3 2025
DAICW Cid Holdco Inc. -26 *W EXP 12/31/202 New 18,456 $3K

Bonds, preferreds, convertibles and warrants; not part of the stock holdings or percentages above.

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