ZynergyRetirementPlanningLLC

In its 13F for Q1 2025 (holdings as of March 31, 2025, filed April 24, 2025), ZynergyRetirementPlanningLLC reported 115 stock positions worth $141.0 million. Its top holding was iShares Core S&P 500 ETF (IVV) at 22.7% of the portfolio, followed by Schwab US Aggregate Bond ETF (SCHZ, 18.8%) and Schwab Intl Equity ETF (SCHF, 12.0%). Compared with Q4 2024, it opened 10 new positions, sold out of 6, added to 17 and reduced 10. The biggest buy was iShares Core S&P 500 ETF (IVV, shares +3%) and the biggest sale Schwab Emrg Mrkts Eqty ETF (SCHE, shares −1%).

Most Recent 13F
Q2 2026
Location
RED BANK, NJ
CIK
0002031137
Portfolio Value
$141.0M (Q1 2025)
SEC Filing
0002031137-25-000002 ↗ filed Apr 24, 2025

Holdings Value

0$50.0M$100.0M$150.0M$200.0M Q2 2024: $130.6M Q2 2024 Q3 2024: $141.9M Q3 2024 Q4 2024: $141.9M Q4 2024 Q1 2025: $141.0M $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 115 stocks · $141.0M
IVV iShares Core S&P 500 ETF 22.65% 54,243 $31.9M Add +3.0%
SCHZ Schwab US Aggregate Bond ETF 18.76% 1,164,805 $26.4M Add +107.2%
SCHF Schwab Intl Equity ETF 12.03% 916,611 $17.0M Add +109.2%
SCHH Schwab US REIT ETF 10.32% 690,665 $14.5M Add +2.5%
SCHA Schwab US Small-Cap ETF 9.74% 531,114 $13.7M Add +100.0%
SCHP Schwab U.S. Tips ETF 7.62% 416,115 $10.7M Add +103.2%
SCHO Schwab Short-Term US Treas 6.55% 383,699 $9.2M Add +124.4%
SCHV Schwab US Large-Cap Value 2.28% 123,450 $3.2M Add +176.1%
SCHE Schwab Emrg Mrkts Eqty ETF 2.13% 112,755 $3.0M Reduce -1.0%
AAPL Apple Inc. 0.95% 5,346 $1.3M Add +12.9%
QQQ Invesco QQQ Trust Series 1 0.54% 1,480 $757K No change
HD Home Depot Inc. 0.48% 1,741 $677K Reduce -1.7%
SCHG Schwab US Large-Cap Growth 0.46% 23,495 $655K Add +284.5%
SCHC Schwab Intl Small-Cap Equity 0.44% 17,931 $616K Add +3.2%
VFH Vanguard Financials ETF 0.43% 5,091 $601K Reduce -1.0%
SCHD Schwab US DVD Equity ETF 0.33% 16,956 $463K Add +205.6%
VTV Vanguard Mrngstr Val ETF-Aui 0.32% 2,698 $457K Reduce -0.8%
GLD SPDR Gold Shares 0.30% 1,730 $419K Reduce -18.1%
VEU Vanguard Ftse All-World Ex-U 0.28% 6,854 $393K Reduce -5.7%
SCHB Schwab US Broad Market ETF 0.25% 15,423 $350K Add +200.9%
BILS SS Spdrb B 3-12M T-Bill ETF 0.24% 3,438 $341K Reduce -46.9%
VB Vanguard Most SM-Cap ETF-Usd 0.24% 1,412 $339K No change
JPM JPMorgan Chase & Co. 0.20% 1,189 $285K No change
VYM Vanguard High DVD Yield ETF 0.17% 1,916 $244K No change
VPU Vanguard Utilities ETF 0.17% 1,459 $238K No change
NJR New Jersey Resources Corp. 0.14% 4,289 $200K Add +1.0%
VNQ Vanguard Real Estate ETF 0.13% 2,010 $179K Reduce -3.6%
NVDA Nvidia Corp. 0.12% 1,271 $171K No change
META Meta Platforms Inc. Class A 0.10% 249 $146K No change
ITA iShares U.S. Aerospace & Def 0.10% 964 $140K No change
SPY SS SPDR S&P 500 ETF Trust-US 0.10% 229 $134K No change
VNQI Vanguard GLBL Ex-US Real Est 0.08% 2,960 $117K Reduce -47.8%
PNC PNC Financial Services Group 0.08% 607 $117K No change
DUK Duke Energy Corp. 0.07% 872 $94K New
REIT Alps Active REIT ETF 0.05% 2,814 $77K No change
VIG Vanguard Dividend Apprec ETF 0.05% 338 $66K New
PH Parker Hannifin Corp. 0.05% 100 $64K No change
IDV iShares International Select 0.04% 2,276 $62K New
HEFA Isha Curr Hedged MSCI Eafe 0.04% 1,657 $58K No change
GOOG Alphabet Inc. Class C 0.04% 299 $57K No change
FSMD Fidelity Small-Mid Multifact 0.04% 1,381 $57K No change
COST Costco Wholesale Corp. 0.04% 62 $57K No change
DIS The Walt Disney Co. filed as DISNEY WALT CO 0.04% 473 $53K No change
DOCU Docusign Inc. 0.04% 557 $50K No change
IWB iShares Russell 1000 ETF 0.03% 150 $48K No change
XOM Exxon Mobil Corp. 0.03% 443 $48K Add +29.1%
CEF Sprott Physical Gold and Sil 0.03% 2,000 $48K No change
GOOGL Alphabet Inc. Class A 0.03% 220 $42K No change
AMZN Amazon.com Inc. 0.03% 188 $41K No change
BBH Vaneck Biotech ETF 0.03% 260 $41K No change
ORCL Oracle Corp. 0.03% 225 $37K No change
CRM Salesforce Inc. 0.03% 110 $37K No change
TSLA Tesla Inc. 0.03% 90 $36K No change
SCZ iShares MSCI Eafe Small-Cap 0.02% 561 $34K No change
RTX RTX Corp. 0.02% 275 $32K No change
BA The Boeing Co. 0.02% 168 $30K No change
WELL Welltower Inc. 0.02% 216 $27K New
NFLX Netflix Inc. 0.02% 30 $27K No change
PKB Invesco Building & Construct 0.02% 339 $26K No change
BAC Bank of America Corp. filed as BANK AMERICA CORP 0.02% 571 $25K No change
BRK.B Berkshire Hathaway Inc. Class B 0.02% 50 $23K New
UITB Victoryshares Core Intermedi 0.02% 492 $23K No change
TDTF NT Iboxx 5Y Dur Tips ETF 0.02% 967 $22K No change
PG The Procter & Gamble Co. 0.01% 125 $21K No change
TRV The Travelers Cos Inc. 0.01% 82 $20K No change
VZ Verizon Communications Inc. 0.01% 489 $20K No change
RPRX Royalty Pharma PLC Class A 0.01% 748 $19K No change
VTEB Vanguard Tax-Exempt Bond ETF 0.01% 377 $19K No change
IEFA iShares Core MSCI Eafe ETF 0.01% 266 $19K No change
VVV Valvoline Inc. 0.01% 457 $17K New
DVY iShares Select Dividend ETF 0.01% 121 $16K No change
CARZ First Trust S-Network Future 0.01% 263 $15K No change
CBSH Commerce Bancshares Inc. 0.01% 242 $15K Add +4.8%
COP Conocophillips 0.01% 152 $15K New
FDX FedEx Corp. 0.01% 50 $14K No change
PEG Public Service Enterprise GP 0.01% 160 $14K No change
CHAT Roundhill Gen AI & Tech ETF 0.01% 334 $14K No change
RIVN Rivian Automotive Inc. Class A 0.01% 1,007 $13K Add +14285.7%
EFA iShares MSCI Eafe ETF 0.01% 174 $13K No change
OTIS Otis Worldwide Corp. 0.01% 140 $13K No change
COIN Coinbase Global Inc. Class A 0.01% 50 $12K No change
PRU Prudential Financial Inc. 0.01% 100 $12K No change
IJH iShares Core S&P Midcap ETF 0.01% 175 $11K No change
MPC Marathon Petroleum Corp. 0.01% 78 $11K New
AMGN Amgen Inc. 0.01% 40 $10K No change
CCL Carnival Corp. 0.01% 415 $10K No change
INTC Intel Corp. 0.01% 494 $10K No change
ICLN iShares Global Clean Energy 0.01% 803 $9K No change
TD Toronto-Dominion Bank 0.01% 164 $9K No change
SW Smurfit Westrock PLC 0.01% 155 $8K No change
PEP Pepsico Inc. 0.01% 50 $8K No change
PSX Phillips 66 0.01% 66 $8K New
CSCO Cisco Systems Inc. 0.00% 106 $6K No change
MMM 3M Co. 0.00% 45 $6K No change
VOO Vanguard S&P 500 ETF 0.00% 10 $5K No change
IBRX Immunitybio Inc. 0.00% 1,950 $5K No change
TM Toyota Motor Corp. -Spon ADR 0.00% 22 $4K No change
UAL United Airlines Holdings Inc. 0.00% 30 $3K No change
PDT John Hancock Prem DVD FND 0.00% 200 $3K No change
T AT&T Inc. 0.00% 106 $2K No change
DJT Trump Media & Technology Gro 0.00% 50 $2K No change
SUSC iShares ESG Aware Usd Corpor 0.00% 73 $2K No change
PFE Pfizer Inc. 0.00% 59 $2K No change
CHRD Chord Energy Corp. 0.00% 13 $2K New
AZN Astrazeneca PLC-Spons ADR 0.00% 21 $1K No change
UTF Cohen & Steers Infrastructur 0.00% 50 $1K No change
CMCSA Comcast Corp. Class A 0.00% 25 $938 No change
VWO Vanguard Ftse Emerging Marke 0.00% 20 $881 No change
SOLV Solventum Corp. 0.00% 11 $727 No change
MDT Medtronic PLC 0.00% 9 $719 No change
MRK Merck & Co. Inc. 0.00% 3 $298 No change
WBD Warner Bros Discovery Inc. 0.00% 25 $264 No change
BDX Becton Dickinson and Co. 0.00% 1 $227 No change
CIM Chimera Investment Corp. 0.00% 6 $84 Reduce -92.8%
F Ford Motor Co. filed as FORD MTR CO 0.00% 1 $10 No change

Portfolio Sells Q4 2024 → Q1 2025
SCHE Schwab Emrg Mrkts Eqty ETF Reduce -1.0% 2.13% −0.21
BILS SS Spdrb B 3-12M T-Bill ETF Reduce -46.9% 0.24% −0.21
VNQI Vanguard GLBL Ex-US Real Est Reduce -47.8% 0.08% −0.10
SCHQ Schwab Long-Term US Treasury Sold out 0.00% −0.07
GLD SPDR Gold Shares Reduce -18.1% 0.30% −0.06
VEU Vanguard Ftse All-World Ex-U Reduce -5.7% 0.28% −0.04
HD Home Depot Inc. Reduce -1.7% 0.48% −0.03
VNQ Vanguard Real Estate ETF Reduce -3.6% 0.13% −0.02
VTV Vanguard Mrngstr Val ETF-Aui Reduce -0.8% 0.32% −0.01
VGIT Vanguard Intermediate-Term T Sold out 0.00% −0.00
IWM iShares Russell 2000 ETF Sold out 0.00% −0.00
USMV iShares MSCI USA Min Vol Fac Sold out 0.00% −0.00
FNDE Schwab Fndmntl Em MRK Eq ETF Sold out 0.00% −0.00
CIM Chimera Investment Corp. Reduce -92.8% 0.00% −0.00
LFWD Lifeward Ltd. Sold out 0.00% 0.00
VFH Vanguard Financials ETF Reduce -1.0% 0.43% +0.03

Portfolio Buys Q4 2024 → Q1 2025
IVV iShares Core S&P 500 ETF Add +3.0% 22.65% +1.25
SCHO Schwab Short-Term US Treas Add +124.4% 6.55% +0.65
AAPL Apple Inc. Add +12.9% 0.95% +0.17
SCHA Schwab US Small-Cap ETF Add +100.0% 9.74% +0.11
DUK Duke Energy Corp. New 0.07% +0.07
VIG Vanguard Dividend Apprec ETF New 0.05% +0.05
IDV iShares International Select New 0.04% +0.04
WELL Welltower Inc. New 0.02% +0.02
BRK.B Berkshire Hathaway Inc. Class B New 0.02% +0.02
SCHG Schwab US Large-Cap Growth Add +284.5% 0.46% +0.02
VVV Valvoline Inc. New 0.01% +0.01
COP Conocophillips New 0.01% +0.01
RIVN Rivian Automotive Inc. Class A Add +14285.7% 0.01% +0.01
SCHB Schwab US Broad Market ETF Add +200.9% 0.25% +0.01
MPC Marathon Petroleum Corp. New 0.01% +0.01
XOM Exxon Mobil Corp. Add +29.1% 0.03% +0.01
PSX Phillips 66 New 0.01% +0.01
CHRD Chord Energy Corp. New 0.00% +0.00
CBSH Commerce Bancshares Inc. Add +4.8% 0.01% +0.00
NJR New Jersey Resources Corp. Add +1.0% 0.14% +0.00
SCHD Schwab US DVD Equity ETF Add +205.6% 0.33% −0.00
SCHC Schwab Intl Small-Cap Equity Add +3.2% 0.44% −0.03
SCHZ Schwab US Aggregate Bond ETF Add +107.2% 18.76% −0.07
SCHP Schwab U.S. Tips ETF Add +103.2% 7.62% −0.11
SCHV Schwab US Large-Cap Value Add +176.1% 2.28% −0.25
SCHF Schwab Intl Equity ETF Add +109.2% 12.03% −0.67
SCHH Schwab US REIT ETF Add +2.5% 10.32% −0.68

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