ZynergyRetirementPlanningLLC

In its 13F for Q3 2024 (holdings as of September 30, 2024, filed November 7, 2024), ZynergyRetirementPlanningLLC reported 111 stock positions worth $141.9 million. Its top holding was iShares Core S&P 500 ETF (IVV) at 21.4% of the portfolio, followed by Schwab US Aggregate Bond ETF (SCHZ, 18.8%) and Schwab Intl Equity ETF (SCHF, 12.7%). Compared with Q2 2024, it opened 4 new positions, sold out of 18, added to 14 and reduced 22. The biggest buy was Schwab Short-Term US Treas (SCHO, shares +14%) and the biggest sale SS Spdrb B 3-12M T-Bill ETF (BILS, shares −33%).

Most Recent 13F
Q2 2026
Location
RED BANK, NJ
CIK
0002031137
Portfolio Value
$141.9M (Q3 2024)
SEC Filing
0002031137-24-000003 ↗ filed Nov 7, 2024

Holdings Value

0$50.0M$100.0M$150.0M$200.0M Q2 2024: $130.6M Q2 2024 Q3 2024: $141.9M $141.9M Q3 2024 Q4 2024: $141.9M Q4 2024 Q1 2025: $141.0M Q1 2025 Q2 2025: $149.1M Q2 2025 Q3 2025: $158.6M Q3 2025 Q4 2025: $162.0M Q4 2025 Q1 2026: $165.4M Q1 2026 Q2 2026: $184.4M Q2 2026

Holdings 111 stocks · $141.9M
IVV iShares Core S&P 500 ETF 21.40% 52,653 $30.4M Add +3.0%
SCHZ Schwab US Aggregate Bond ETF 18.82% 562,226 $26.7M Add +3.5%
SCHF Schwab Intl Equity ETF 12.69% 438,132 $18.0M Add +0.3%
SCHH Schwab US REIT ETF 11.00% 673,547 $15.6M Reduce -0.7%
SCHA Schwab US Small-Cap ETF 9.64% 265,573 $13.7M Add +0.2%
SCHP Schwab U.S. Tips ETF 7.74% 204,741 $11.0M Add +4.4%
SCHO Schwab Short-Term US Treas 5.90% 170,994 $8.4M Add +14.1%
SCHV Schwab US Large-Cap Value 2.53% 44,711 $3.6M Reduce -8.5%
SCHE Schwab Emrg Mrkts Eqty ETF 2.34% 113,924 $3.3M Reduce -0.8%
AAPL Apple Inc. 0.78% 4,734 $1.1M Reduce -2.1%
QQQ Invesco QQQ Trust Series 1 0.51% 1,480 $722K No change
HD Home Depot Inc. 0.51% 1,771 $718K Reduce -3.0%
SCHC Schwab Intl Small-Cap Equity 0.47% 17,370 $669K Add +2.9%
BILS SS Spdrb B 3-12M T-Bill ETF 0.45% 6,468 $644K Reduce -33.2%
SCHG Schwab US Large-Cap Growth 0.45% 6,110 $637K Reduce -8.2%
VFH Vanguard Financials ETF 0.40% 5,143 $565K Reduce -0.8%
GLD SPDR Gold Shares 0.36% 2,113 $514K Add +17.0%
VTV Vanguard Mrngstr Val ETF-Aui 0.33% 2,721 $475K Reduce -0.8%
SCHD Schwab US DVD Equity ETF 0.33% 5,548 $469K No change
VEU Vanguard Ftse All-World Ex-U 0.32% 7,267 $458K No change
SCHB Schwab US Broad Market ETF 0.24% 5,125 $341K Reduce -1.1%
VB Vanguard Most SM-Cap ETF-Usd 0.24% 1,412 $335K Reduce -1.1%
VNQI Vanguard GLBL Ex-US Real Est 0.19% 5,667 $266K Add +33.1%
VPU Vanguard Utilities ETF 0.18% 1,459 $254K No change
JPM JPMorgan Chase & Co. 0.18% 1,189 $251K Reduce -7.8%
VYM Vanguard High DVD Yield ETF 0.17% 1,916 $246K No change
VNQ Vanguard Real Estate ETF 0.14% 2,085 $203K No change
NJR New Jersey Resources Corp. 0.14% 4,248 $201K Add +1.0%
NVDA Nvidia Corp. 0.11% 1,271 $154K No change
ITA iShares U.S. Aerospace & Def 0.10% 964 $144K No change
META Meta Platforms Inc. Class A 0.10% 249 $143K No change
SPY SS SPDR S&P 500 ETF Trust-US 0.09% 229 $131K Add +4.6%
PNC PNC Financial Services Group 0.08% 607 $112K No change
SCHQ Schwab Long-Term US Treasury 0.07% 2,868 $100K New
REIT Alps Active REIT ETF 0.06% 2,814 $82K Add +10.3%
PH Parker Hannifin Corp. 0.04% 100 $63K No change
HEFA Isha Curr Hedged MSCI Eafe 0.04% 1,657 $59K Add +31.2%
FSMD Fidelity Small-Mid Multifact 0.04% 1,381 $57K Add +17.1%
COST Costco Wholesale Corp. 0.04% 62 $55K No change
GOOG Alphabet Inc. Class C 0.04% 299 $50K No change
CEF Sprott Physical Gold and Sil 0.03% 2,000 $49K No change
IWB iShares Russell 1000 ETF 0.03% 150 $47K No change
BBH Vaneck Biotech ETF 0.03% 260 $46K No change
DIS The Walt Disney Co. filed as DISNEY WALT CO 0.03% 473 $46K No change
XOM Exxon Mobil Corp. 0.03% 343 $40K Reduce -18.9%
ORCL Oracle Corp. 0.03% 225 $38K No change
SCZ iShares MSCI Eafe Small-Cap 0.03% 561 $38K No change
GOOGL Alphabet Inc. Class A 0.03% 220 $36K No change
AMZN Amazon.com Inc. 0.02% 188 $35K No change
DOCU Docusign Inc. 0.02% 557 $35K No change
RTX RTX Corp. 0.02% 275 $33K No change
CRM Salesforce Inc. 0.02% 110 $30K No change
PKB Invesco Building & Construct 0.02% 339 $27K No change
BA The Boeing Co. 0.02% 168 $26K Reduce -10.6%
UITB Victoryshares Core Intermedi 0.02% 492 $24K No change
TSLA Tesla Inc. 0.02% 90 $24K No change
TDTF NT Iboxx 5Y Dur Tips ETF 0.02% 967 $23K No change
BAC Bank of America Corp. filed as BANK AMERICA CORP 0.02% 571 $23K No change
VZ Verizon Communications Inc. 0.02% 489 $22K Reduce -48.6%
PG The Procter & Gamble Co. 0.02% 125 $22K Reduce -52.3%
NFLX Netflix Inc. 0.01% 30 $21K No change
RPRX Royalty Pharma PLC Class A 0.01% 748 $21K No change
IEFA iShares Core MSCI Eafe ETF 0.01% 266 $21K No change
VTEB Vanguard Tax-Exempt Bond ETF 0.01% 377 $19K No change
TRV The Travelers Cos Inc. 0.01% 82 $19K Reduce -37.9%
DVY iShares Select Dividend ETF 0.01% 121 $16K New
CARZ First Trust S-Network Future 0.01% 263 $15K No change
EFA iShares MSCI Eafe ETF 0.01% 174 $15K No change
OTIS Otis Worldwide Corp. 0.01% 140 $15K No change
PEG Public Service Enterprise GP 0.01% 160 $14K No change
CBSH Commerce Bancshares Inc. 0.01% 231 $14K No change
FDX FedEx Corp. 0.01% 50 $14K No change
AMGN Amgen Inc. 0.01% 40 $13K Reduce -55.6%
CHAT Roundhill Gen AI & Tech ETF 0.01% 334 $12K New
PRU Prudential Financial Inc. 0.01% 100 $12K Reduce -38.6%
ICLN iShares Global Clean Energy 0.01% 803 $12K No change
INTC Intel Corp. 0.01% 494 $12K No change
IJH iShares Core S&P Midcap ETF 0.01% 175 $11K No change
TD Toronto-Dominion Bank 0.01% 164 $10K No change
COIN Coinbase Global Inc. Class A 0.01% 50 $9K No change
PEP Pepsico Inc. 0.01% 50 $9K Reduce -66.7%
CCL Carnival Corp. 0.01% 415 $8K No change
SW Smurfit Westrock PLC 0.01% 155 $8K New
IBRX Immunitybio Inc. 0.01% 1,950 $7K No change
MMM 3M Co. 0.00% 45 $6K No change
VGIT Vanguard Intermediate-Term T 0.00% 97 $6K No change
CSCO Cisco Systems Inc. 0.00% 106 $6K No change
VOO Vanguard S&P 500 ETF 0.00% 10 $5K No change
TM Toyota Motor Corp. -Spon ADR 0.00% 22 $4K No change
IWM iShares Russell 2000 ETF 0.00% 14 $3K No change
USMV iShares MSCI USA Min Vol Fac 0.00% 33 $3K No change
PDT John Hancock Prem DVD FND 0.00% 200 $3K No change
T AT&T Inc. 0.00% 106 $2K Reduce -70.2%
SUSC iShares ESG Aware Usd Corpor 0.00% 73 $2K No change
UAL United Airlines Holdings Inc. 0.00% 30 $2K No change
FNDE Schwab Fndmntl Em MRK Eq ETF 0.00% 53 $2K No change
PFE Pfizer Inc. 0.00% 59 $2K No change
AZN Astrazeneca PLC-Spons ADR 0.00% 21 $2K No change
CIM Chimera Investment Corp. 0.00% 83 $1K No change
UTF Cohen & Steers Infrastructur 0.00% 50 $1K No change
CMCSA Comcast Corp. Class A 0.00% 25 $1K Reduce -74.2%
VWO Vanguard Ftse Emerging Marke 0.00% 20 $957 No change
MDT Medtronic PLC 0.00% 9 $810 No change
DJT Trump Media & Technology Gro 0.00% 50 $804 No change
SOLV Solventum Corp. 0.00% 11 $767 No change
MRK Merck & Co. Inc. 0.00% 3 $341 No change
BDX Becton Dickinson and Co. 0.00% 1 $241 No change
WBD Warner Bros Discovery Inc. 0.00% 25 $206 No change
RIVN Rivian Automotive Inc. Class A 0.00% 7 $79 No change
LFWD Lifeward Ltd. 0.00% 11 $36 No change
F Ford Motor Co. filed as FORD MTR CO 0.00% 1 $11 No change

Portfolio Sells Q2 2024 → Q3 2024
BILS SS Spdrb B 3-12M T-Bill ETF Reduce -33.2% 0.45% −0.28
SCHV Schwab US Large-Cap Value Reduce -8.5% 2.53% −0.24
SCHG Schwab US Large-Cap Growth Reduce -8.2% 0.45% −0.07
JPM JPMorgan Chase & Co. Reduce -7.8% 0.18% −0.02
QCOM Qualcomm Inc. Sold out 0.00% −0.02
XLV SS Health Care Select Sector Sold out 0.00% −0.02
GD General Dynamics Corp. Sold out 0.00% −0.02
PG The Procter & Gamble Co. Reduce -52.3% 0.02% −0.02
WMT Walmart Inc. Sold out 0.00% −0.02
TXN Texas Instruments Inc. Sold out 0.00% −0.01
VZ Verizon Communications Inc. Reduce -48.6% 0.02% −0.01
CARR Carrier Global Corp. Sold out 0.00% −0.01
PEP Pepsico Inc. Reduce -66.7% 0.01% −0.01
AMGN Amgen Inc. Reduce -55.6% 0.01% −0.01
HON Honeywell International Inc. Sold out 0.00% −0.01
SCHB Schwab US Broad Market ETF Reduce -1.1% 0.24% −0.01
XOM Exxon Mobil Corp. Reduce -18.9% 0.03% −0.01
BA The Boeing Co. Reduce -10.6% 0.02% −0.01
KMB Kimberly-Clark Corp. Sold out 0.00% −0.01
HIG Hartford Insurance Group Inc. Sold out 0.00% −0.01
CL Colgate-Palmolive Co. Sold out 0.00% −0.01
TRV The Travelers Cos Inc. Reduce -37.9% 0.01% −0.01
JNJ Johnson & Johnson Sold out 0.00% −0.01
PRU Prudential Financial Inc. Reduce -38.6% 0.01% −0.01
WRK Westrock Co. Sold out 0.00% −0.01
PM Philip Morris International Sold out 0.00% −0.00
CSX CSX Corp. Sold out 0.00% −0.00
T AT&T Inc. Reduce -70.2% 0.00% −0.00
MSFT Microsoft Corp. Sold out 0.00% −0.00
VB Vanguard Most SM-Cap ETF-Usd Reduce -1.1% 0.24% −0.00
AAPL Apple Inc. Reduce -2.1% 0.78% −0.00
CMCSA Comcast Corp. Class A Reduce -74.2% 0.00% −0.00
VTV Vanguard Mrngstr Val ETF-Aui Reduce -0.8% 0.33% −0.00
MO Altria Group Inc. Sold out 0.00% −0.00
KLG WK Kellogg Co. Sold out 0.00% −0.00
VOD Vodafone Group PLC-SP ADR Sold out 0.00% −0.00
VFH Vanguard Financials ETF Reduce -0.8% 0.40% +0.00
SCHE Schwab Emrg Mrkts Eqty ETF Reduce -0.8% 2.34% +0.01
HD Home Depot Inc. Reduce -3.0% 0.51% +0.02
SCHH Schwab US REIT ETF Reduce -0.7% 11.00% +0.63

Portfolio Buys Q2 2024 → Q3 2024
SCHO Schwab Short-Term US Treas Add +14.1% 5.90% +0.38
SCHQ Schwab Long-Term US Treasury New 0.07% +0.07
GLD SPDR Gold Shares Add +17.0% 0.36% +0.06
VNQI Vanguard GLBL Ex-US Real Est Add +33.1% 0.19% +0.06
SCHA Schwab US Small-Cap ETF Add +0.2% 9.64% +0.01
SCHC Schwab Intl Small-Cap Equity Add +2.9% 0.47% +0.01
DVY iShares Select Dividend ETF New 0.01% +0.01
CHAT Roundhill Gen AI & Tech ETF New 0.01% +0.01
REIT Alps Active REIT ETF Add +10.3% 0.06% +0.01
HEFA Isha Curr Hedged MSCI Eafe Add +31.2% 0.04% +0.01
FSMD Fidelity Small-Mid Multifact Add +17.1% 0.04% +0.01
SW Smurfit Westrock PLC New 0.01% +0.01
NJR New Jersey Resources Corp. Add +1.0% 0.14% +0.00
SPY SS SPDR S&P 500 ETF Trust-US Add +4.6% 0.09% +0.00
IVV iShares Core S&P 500 ETF Add +3.0% 21.40% −0.02
SCHP Schwab U.S. Tips ETF Add +4.4% 7.74% −0.07
SCHZ Schwab US Aggregate Bond ETF Add +3.5% 18.82% −0.14
SCHF Schwab Intl Equity ETF Add +0.3% 12.69% −0.15

All Filings

QuarterPositions13F Reported ValueTop Holdings
Q2 2026 26$184.4MIVV, SCHZ, SCHF, SCHA, SCHH
Q1 2026 26$165.4MIVV, SCHZ, SCHF, SCHH, SCHA
Q4 2025 26$162.0MIVV, SCHZ, SCHF, SCHA, SCHH
Q3 2025 28$158.6MIVV, SCHZ, SCHF, SCHH, SCHA
Q2 2025 25$149.1MIVV, SCHZ, SCHF, SCHH, SCHA
Q1 2025 115$141.0MIVV, SCHZ, SCHF, SCHH, SCHA
Q4 2024 111$141.9MIVV, SCHZ, SCHF, SCHH, SCHA
Q3 2024 111$141.9MIVV, SCHZ, SCHF, SCHH, SCHA
Q2 2024 125$130.6MIVV, SCHZ, SCHF, SCHH, SCHA