Summit Wealth & Retirement Planning, Inc.

In its 13F for Q4 2025 (holdings as of December 31, 2025, filed February 2, 2026), Summit Wealth & Retirement Planning, Inc. reported 111 stock positions worth $424.7 million. Its top holding was Vngrd Mrngstr MG Cap ETF-Usd (MGC) at 12.7% of the portfolio, followed by Schwab US Large-Cap Value (SCHV, 11.9%) and Schwab US Large-Cap Growth (SCHG, 11.7%). Compared with Q3 2025, it opened 6 new positions, added to 47 and reduced 21. The biggest buy was a new position in Alpha Architct US Eqty 2 ETF (AAEQ) and the biggest sale Schwab US Large-Cap Growth (SCHG, shares −2%).

Most Recent 13F
Q2 2026
Location
EAGLE, ID
CIK
0001766995
Portfolio Value
$424.7M (Q4 2025)
SEC Filing
0001766995-26-000001 ↗ filed Feb 2, 2026

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 Q3 2025 Q4 2025: $424.7M $424.7M Q4 2025 Q1 2026: $419.1M Q1 2026 Q2 2026: $471.9M Q2 2026

Holdings 111 stocks · $424.7M
MGC Vngrd Mrngstr MG Cap ETF-Usd 12.67% 214,254 $53.8M Reduce -0.9%
SCHV Schwab US Large-Cap Value 11.90% 1,707,367 $50.6M Add +2.5%
SCHG Schwab US Large-Cap Growth 11.74% 1,528,494 $49.9M Reduce -1.7%
SCHF Schwab Intl Equity ETF 8.38% 1,481,053 $35.6M Add +3.4%
GLTR Abrdn Precious Metals Basket 6.80% 140,485 $28.9M Reduce -7.1%
DBMF Imgp Dbi MFT STR ETF-Usd Inc. 3.96% 599,282 $16.8M Add +1.6%
BOXX Alpha Architect 1-3 MNTH Box 3.94% 145,348 $16.7M Add +5.4%
SCHA Schwab US Small-Cap ETF 3.89% 580,460 $16.5M Add +0.5%
SCHE Schwab Emrg Mrkts Eqty ETF 3.85% 499,044 $16.3M Add +0.7%
IWD iShares Russell 1000 Value E 2.95% 59,508 $12.5M Reduce -2.5%
EFA iShares MSCI Eafe ETF 2.21% 97,867 $9.4M Reduce -0.3%
SPY SS SPDR S&P 500 ETF Trust-US 1.97% 12,280 $8.4M Add +0.4%
AAPL Apple Inc. 1.58% 24,675 $6.7M Reduce -10.7%
SCHB Schwab US Broad Market ETF 1.49% 240,675 $6.3M Add +0.0%
IWM iShares Russell 2000 ETF 1.36% 23,384 $5.8M Reduce -0.5%
MSFT Microsoft Corp. 1.26% 11,074 $5.4M Add +1.0%
IWF iShares Russell 1000 Growth 1.18% 10,566 $5.0M Reduce -4.9%
VOO Vanguard S&P 500 ETF 1.12% 7,589 $4.8M Add +1.4%
EEM iShares MSCI Emerging Market 1.10% 85,462 $4.7M Reduce -10.5%
VBR Vngrd Mrngst SL-CP Val ETF-U 1.01% 20,214 $4.3M Add +1.4%
GOOGL Alphabet Inc. Class A 1.00% 13,517 $4.2M Add +0.8%
TSLA Tesla Inc. 0.72% 6,807 $3.1M Add +2.7%
VTV Vanguard Mrngstr Val ETF-Aui 0.65% 14,501 $2.8M Add +9.3%
JPM JPMorgan Chase & Co. 0.61% 8,077 $2.6M Reduce -1.7%
VB Vanguard Most SM-Cap ETF-Usd 0.55% 8,994 $2.3M Reduce -2.7%
GOOG Alphabet Inc. Class C 0.53% 7,219 $2.3M Add +1.4%
AVGO Broadcom Inc. 0.52% 6,364 $2.2M Reduce -0.2%
NVDA Nvidia Corp. 0.50% 11,294 $2.1M Add +1.6%
VGIT Vanguard Intermediate-Term T 0.46% 32,480 $1.9M Reduce -2.4%
AAEQ Alpha Architct US Eqty 2 ETF 0.46% 39,418 $1.9M New
BRK.B Berkshire Hathaway Inc. Class B 0.45% 3,833 $1.9M Reduce -1.6%
VUG Vanguard Mrngstar GR ETF-Sui 0.39% 3,361 $1.6M Add +1.5%
IEFA iShares Core MSCI Eafe ETF 0.36% 17,086 $1.5M Add +6.3%
SYLD Cambria Shareholder Yield Et 0.34% 20,860 $1.5M Add +2.2%
AAUS Alpha Architect US Eqy ETF 0.32% 24,284 $1.3M No change
LLY Eli Lilly & Co. 0.26% 1,022 $1.1M Reduce -2.0%
AMZN Amazon.com Inc. 0.25% 4,524 $1.0M Add +9.6%
HD Home Depot Inc. 0.22% 2,776 $955K No change
CPRT Copart Inc. 0.22% 23,848 $934K No change
BAC Bank of America Corp. filed as BANK AMERICA CORP 0.20% 15,292 $841K Reduce -1.6%
ABBV Abbvie Inc. 0.19% 3,479 $795K Add +0.6%
XOM Exxon Mobil Corp. 0.18% 6,344 $763K No change
SCHD Schwab US DVD Equity ETF 0.18% 27,341 $750K Add +1.8%
VEA Vanguard Ftse Developed ETF 0.16% 11,129 $695K Add +0.0%
RTX RTX Corp. 0.16% 3,716 $682K Add +0.4%
ORLY O'reilly Automotive Inc. 0.16% 7,410 $676K Add +2.5%
QQQ Invesco QQQ Trust Series 1 0.16% 1,098 $674K Add +22.3%
VYM Vanguard High DVD Yield ETF 0.16% 4,680 $672K Add +4.3%
MA Mastercard Inc. Class A 0.15% 1,131 $646K Add +2.6%
VTI VG Morningstar TS MKT ETF-US 0.15% 1,909 $640K Reduce -1.7%
SSD Simpson Manufacturing Co. Inc. 0.15% 3,857 $623K No change
IWB iShares Russell 1000 ETF 0.14% 1,599 $597K No change
WFC Wells Fargo & Co. 0.14% 6,173 $575K Add +83.6%
META Meta Platforms Inc. Class A 0.13% 863 $570K Add +29.4%
VWO Vanguard Ftse Emerging Marke 0.13% 10,396 $559K Add +2.5%
STT State Street Corp. 0.13% 4,159 $537K Reduce -3.1%
COST Costco Wholesale Corp. 0.13% 619 $534K Add +1.5%
ABT Abbott Laboratories 0.12% 4,029 $505K Add +0.7%
MS Morgan Stanley 0.12% 2,822 $501K Add +0.8%
HDV iShares Core High Dividend E 0.12% 4,108 $500K Add +1.7%
VO Vngrd Mrngstr MD-Cap ETF-Usd 0.12% 1,699 $493K No change
BLK BlackRock Inc. 0.11% 444 $475K No change
PANW Palo Alto Networks Inc. 0.11% 2,568 $473K Add +1.5%
MRK Merck & Co. Inc. 0.11% 4,461 $470K No change
SYK Stryker Corp. 0.11% 1,288 $453K No change
CME Cme Group Inc. 0.11% 1,637 $447K No change
QCOM Qualcomm Inc. 0.10% 2,580 $441K No change
JNJ Johnson & Johnson 0.10% 2,107 $436K Add +0.7%
SCHW Schwab (charles) Corp. 0.10% 4,336 $433K Add +0.8%
V Visa Inc. Class A 0.09% 1,123 $394K Add +0.6%
CSCO Cisco Systems Inc. 0.09% 4,949 $381K No change
BF.B Brown-Forman Corp. Class B 0.09% 14,199 $370K New
SRE Sempra 0.08% 3,989 $352K No change
MAR Marriott International Class A 0.08% 1,135 $352K No change
IBIT iShares Bitcoin Trust ETF 0.08% 7,028 $349K Add +41.4%
AMD Advanced Micro Devices 0.08% 1,579 $338K Add +1.5%
NSC Norfolk Southern Corp. 0.08% 1,142 $330K No change
XLK SS Technology Select Sector 0.08% 2,260 $325K No change
HII Huntington Ingalls Industrie 0.08% 953 $324K No change
VV Vngrd Mrgstr LRG-Cap ETF-Usd 0.07% 1,006 $317K No change
DIS The Walt Disney Co. filed as DISNEY WALT CO 0.07% 2,774 $316K Reduce -1.2%
UNH Unitedhealth Group Inc. 0.07% 955 $315K Add +1.9%
TSCO Tractor Supply Company 0.07% 6,300 $315K No change
PG The Procter & Gamble Co. 0.07% 2,190 $314K No change
GE General Electric filed as GE AEROSPACE 0.07% 970 $299K Add +25.5%
ORCL Oracle Corp. 0.07% 1,482 $289K Add +0.1%
IWR iShares Russell Mid-Cap ETF 0.07% 2,924 $282K No change
VOE Vngrd Mrngstr MD-Cap Val ETF 0.07% 1,567 $278K No change
JEPI JPMorgan Equity Premium Inco 0.06% 4,810 $275K No change
BILL Bill Holdings Inc. 0.06% 5,000 $273K No change
DFAC Dimensional US Core Equity 2 0.06% 6,885 $273K No change
TT Trane Technologies PLC 0.06% 698 $272K Reduce -2.9%
AMGN Amgen Inc. 0.06% 816 $267K Reduce -3.4%
VCIT Vanguard Int-Term Corporate 0.06% 3,181 $266K New
DE Deere & Co. 0.06% 570 $265K Add +0.9%
JGRO JPMorgan Active Growth ETF 0.06% 2,835 $263K No change
IJH iShares Core S&P Midcap ETF 0.06% 3,955 $261K No change
MCD McDonald's Corp. 0.06% 833 $255K Add +1.1%
CAT Caterpillar Inc. 0.06% 427 $245K New
IUSV iShares Core S&P U.S. Value 0.06% 2,345 $240K No change
BIV Vanguard Intermediate-Term B 0.06% 3,053 $238K Add +14.0%
TD Toronto-Dominion Bank 0.05% 2,465 $232K New
JQUA JPMorgan US Quality Factor 0.05% 3,642 $230K No change
JAVA JPMorgan Active Value ETF 0.05% 3,178 $228K No change
FTCS First Trust Capital Strength 0.05% 2,433 $225K No change
JVAL JPMorgan US Value Factor ETF 0.05% 4,580 $225K No change
IBM Intl Business Machines Corp. filed as INTERNATIONAL BUSINESS MACHS 0.05% 734 $218K New
DVY iShares Select Dividend ETF 0.05% 1,459 $206K No change
CMG Chipotle Mexican Grill Inc. 0.05% 5,420 $201K No change
AQST Aquestive Therapeutics Inc. 0.02% 15,000 $97K No change
ABX Abacus Global Management Inc. 0.02% 10,000 $86K No change
Other holdings (1): bonds, preferreds, convertibles and warrants · $1K (not counted above)
SecurityClassShares / PrincipalValueChange
DAICW Cid Holdco Inc. -26 *W EXP 12/31/202 18,456$1KNo change

Total filed on the 13F, all lines: $424.7M.

Portfolio Sells Q3 2025 → Q4 2025
SCHG Schwab US Large-Cap Growth Reduce -1.7% 11.74% −0.45
MGC Vngrd Mrngstr MG Cap ETF-Usd Reduce -0.9% 12.67% −0.29
EEM iShares MSCI Emerging Market Reduce -10.5% 1.10% −0.15
AAPL Apple Inc. Reduce -10.7% 1.58% −0.15
IWD iShares Russell 1000 Value E Reduce -2.5% 2.95% −0.11
IWF iShares Russell 1000 Growth Reduce -4.9% 1.18% −0.10
IWM iShares Russell 2000 ETF Reduce -0.5% 1.36% −0.04
EFA iShares MSCI Eafe ETF Reduce -0.3% 2.21% −0.04
VGIT Vanguard Intermediate-Term T Reduce -2.4% 0.46% −0.03
VB Vanguard Most SM-Cap ETF-Usd Reduce -2.7% 0.55% −0.03
BRK.B Berkshire Hathaway Inc. Class B Reduce -1.6% 0.45% −0.03
JPM JPMorgan Chase & Co. Reduce -1.7% 0.61% −0.02
TT Trane Technologies PLC Reduce -2.9% 0.06% −0.01
VTI VG Morningstar TS MKT ETF-US Reduce -1.7% 0.15% −0.01
DIS The Walt Disney Co. Reduce -1.2% 0.07% −0.00
BAC Bank of America Corp. Reduce -1.6% 0.20% +0.00
AVGO Broadcom Inc. Reduce -0.2% 0.52% +0.00
STT State Street Corp. Reduce -3.1% 0.13% +0.00
AMGN Amgen Inc. Reduce -3.4% 0.06% +0.00
LLY Eli Lilly & Co. Reduce -2.0% 0.26% +0.06
GLTR Abrdn Precious Metals Basket Reduce -7.1% 6.80% +0.65

Portfolio Buys Q3 2025 → Q4 2025
AAEQ Alpha Architct US Eqty 2 ETF New 0.46% +0.46
GOOGL Alphabet Inc. Class A Add +0.8% 1.00% +0.20
SCHF Schwab Intl Equity ETF Add +3.4% 8.38% +0.19
GOOG Alphabet Inc. Class C Add +1.4% 0.53% +0.11
BF.B Brown-Forman Corp. Class B New 0.09% +0.09
BOXX Alpha Architect 1-3 MNTH Box Add +5.4% 3.94% +0.08
WFC Wells Fargo & Co. Add +83.6% 0.14% +0.07
VCIT Vanguard Int-Term Corporate New 0.06% +0.06
CAT Caterpillar Inc. New 0.06% +0.06
TD Toronto-Dominion Bank New 0.05% +0.05
IBM Intl Business Machines Corp. New 0.05% +0.05
VTV Vanguard Mrngstr Val ETF-Aui Add +9.3% 0.65% +0.04
QQQ Invesco QQQ Trust Series 1 Add +22.3% 0.16% +0.03
AMZN Amazon.com Inc. Add +9.6% 0.25% +0.02
AMD Advanced Micro Devices Add +1.5% 0.08% +0.02
IEFA iShares Core MSCI Eafe ETF Add +6.3% 0.36% +0.02
META Meta Platforms Inc. Class A Add +29.4% 0.13% +0.01
GE General Electric Add +25.5% 0.07% +0.01
MS Morgan Stanley Add +0.8% 0.12% +0.01
RTX RTX Corp. Add +0.4% 0.16% +0.01
JNJ Johnson & Johnson Add +0.7% 0.10% +0.01
BIV Vanguard Intermediate-Term B Add +14.0% 0.06% +0.00
VYM Vanguard High DVD Yield ETF Add +4.3% 0.16% +0.00
IBIT iShares Bitcoin Trust ETF Add +41.4% 0.08% +0.00
DBMF Imgp Dbi MFT STR ETF-Usd Inc. Add +1.6% 3.96% +0.00
SCHW Schwab (charles) Corp. Add +0.8% 0.10% +0.00
VEA Vanguard Ftse Developed ETF Add +0.0% 0.16% −0.00
V Visa Inc. Class A Add +0.6% 0.09% −0.00
DE Deere & Co. Add +0.9% 0.06% −0.00
MCD McDonald's Corp. Add +1.1% 0.06% −0.00
MA Mastercard Inc. Class A Add +2.6% 0.15% −0.00
SYLD Cambria Shareholder Yield Et Add +2.2% 0.34% −0.00
SCHD Schwab US DVD Equity ETF Add +1.8% 0.18% −0.00
TSLA Tesla Inc. Add +2.7% 0.72% −0.00
VWO Vanguard Ftse Emerging Marke Add +2.5% 0.13% −0.00
HDV iShares Core High Dividend E Add +1.7% 0.12% −0.00
VUG Vanguard Mrngstar GR ETF-Sui Add +1.5% 0.39% −0.00
UNH Unitedhealth Group Inc. Add +1.9% 0.07% −0.01
VOO Vanguard S&P 500 ETF Add +1.4% 1.12% −0.01
ABBV Abbvie Inc. Add +0.6% 0.19% −0.01
ABT Abbott Laboratories Add +0.7% 0.12% −0.01
COST Costco Wholesale Corp. Add +1.5% 0.13% −0.01
NVDA Nvidia Corp. Add +1.6% 0.50% −0.01
VBR Vngrd Mrngst SL-CP Val ETF-U Add +1.4% 1.01% −0.01
PANW Palo Alto Networks Inc. Add +1.5% 0.11% −0.02
SCHV Schwab US Large-Cap Value Add +2.5% 11.90% −0.02
SPY SS SPDR S&P 500 ETF Trust-US Add +0.4% 1.97% −0.03
ORLY O'reilly Automotive Inc. Add +2.5% 0.16% −0.03
SCHB Schwab US Broad Market ETF Add +0.0% 1.49% −0.03
ORCL Oracle Corp. Add +0.1% 0.07% −0.03

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