ZynergyRetirementPlanningLLC
In its 13F for Q2 2025 (holdings as of June 30, 2025, filed September 4, 2025), ZynergyRetirementPlanningLLC reported 25 stock positions worth $149.1 million. Its top holding was iShares Core S&P 500 ETF (IVV) at 23.8% of the portfolio, followed by Schwab US Aggregate Bond ETF (SCHZ, 19.0%) and Schwab Intl Equity ETF (SCHF, 13.9%). Compared with Q1 2025, it sold out of 90, added to 10 and reduced 11. The biggest buy was Schwab Intl Equity ETF (SCHF, shares +3%) and the biggest sale Schwab Short-Term US Treas (SCHO, shares −2%).
- Most Recent 13F
- Q2 2026
- Location
- RED BANK, NJ
- CIK
- 0002031137
- Portfolio Value
- $149.1M (Q2 2025)
- SEC Filing
- 0001667731-25-001265 ↗ filed Sep 4, 2025
Holdings Value
Holdings 25 stocks · $149.1M
| IVV iShares Core S&P 500 ETF | 23.76% | 57,059 | $35.4M | Add +5.2% |
| SCHZ Schwab US Aggregate Bond ETF | 19.05% | 1,221,958 | $28.4M | Add +4.9% |
| SCHF Schwab Intl Equity ETF | 13.93% | 939,774 | $20.8M | Add +2.5% |
| SCHH Schwab US REIT ETF | 10.35% | 729,453 | $15.4M | Add +5.6% |
| SCHA Schwab US Small-Cap ETF | 9.62% | 566,783 | $14.3M | Add +6.7% |
| SCHP Schwab U.S. Tips ETF | 7.58% | 423,520 | $11.3M | Add +1.8% |
| SCHO Schwab Short-Term US Treas | 6.13% | 375,085 | $9.1M | Reduce -2.2% |
| SCHE Schwab Emrg Mrkts Eqty ETF | 2.33% | 115,021 | $3.5M | Add +2.0% |
| SCHV Schwab US Large-Cap Value | 1.92% | 103,492 | $2.9M | Reduce -16.2% |
| AAPL Apple Inc. | 0.74% | 5,346 | $1.1M | No change |
| SCHC Schwab Intl Small-Cap Equity | 0.58% | 20,344 | $866K | Add +13.5% |
| QQQ Invesco QQQ Trust Series 1 | 0.55% | 1,480 | $816K | No change |
| VFH Vanguard Financials ETF | 0.42% | 4,951 | $630K | Reduce -2.8% |
| HD Home Depot Inc. | 0.41% | 1,659 | $608K | Reduce -4.7% |
| SCHG Schwab US Large-Cap Growth | 0.35% | 17,664 | $516K | Reduce -24.8% |
| VTV Vanguard Mrngstr Val ETF-Aui | 0.31% | 2,643 | $467K | Reduce -2.0% |
| VEU Vanguard Ftse All-World Ex-U | 0.31% | 6,854 | $461K | No change |
| SCHD Schwab US DVD Equity ETF | 0.27% | 15,277 | $405K | Reduce -9.9% |
| JPM JPMorgan Chase & Co. | 0.26% | 1,321 | $383K | Add +11.1% |
| SCHB Schwab US Broad Market ETF | 0.22% | 13,860 | $330K | Reduce -10.1% |
| VB Vanguard Most SM-Cap ETF-Usd | 0.22% | 1,354 | $321K | Reduce -4.1% |
| GLD SPDR Gold Shares | 0.20% | 992 | $302K | Reduce -42.7% |
| VPU Vanguard Utilities ETF | 0.17% | 1,452 | $256K | Reduce -0.5% |
| VYM Vanguard High DVD Yield ETF | 0.17% | 1,916 | $255K | No change |
| NVDA Nvidia Corp. | 0.15% | 1,375 | $217K | Add +8.2% |
Portfolio Sells Q1 2025 → Q2 2025
| SCHO Schwab Short-Term US Treas | Reduce -2.2% | 6.13% | −0.41 |
| SCHV Schwab US Large-Cap Value | Reduce -16.2% | 1.92% | −0.36 |
| BILS SS Spdrb B 3-12M T-Bill ETF | Sold out | 0.00% | −0.24 |
| NJR New Jersey Resources Corp. | Sold out | 0.00% | −0.14 |
| VNQ Vanguard Real Estate ETF | Sold out | 0.00% | −0.13 |
| SCHG Schwab US Large-Cap Growth | Reduce -24.8% | 0.35% | −0.12 |
| META Meta Platforms Inc. Class A | Sold out | 0.00% | −0.10 |
| ITA iShares U.S. Aerospace & Def | Sold out | 0.00% | −0.10 |
| SPY SS SPDR S&P 500 ETF Trust-US | Sold out | 0.00% | −0.10 |
| GLD SPDR Gold Shares | Reduce -42.7% | 0.20% | −0.09 |
| VNQI Vanguard GLBL Ex-US Real Est | Sold out | 0.00% | −0.08 |
| PNC PNC Financial Services Group | Sold out | 0.00% | −0.08 |
| HD Home Depot Inc. | Reduce -4.7% | 0.41% | −0.07 |
| DUK Duke Energy Corp. | Sold out | 0.00% | −0.07 |
| SCHD Schwab US DVD Equity ETF | Reduce -9.9% | 0.27% | −0.06 |
| REIT Alps Active REIT ETF | Sold out | 0.00% | −0.05 |
| VIG Vanguard Dividend Apprec ETF | Sold out | 0.00% | −0.05 |
| PH Parker Hannifin Corp. | Sold out | 0.00% | −0.05 |
| IDV iShares International Select | Sold out | 0.00% | −0.04 |
| HEFA Isha Curr Hedged MSCI Eafe | Sold out | 0.00% | −0.04 |
| GOOG Alphabet Inc. Class C | Sold out | 0.00% | −0.04 |
| COST Costco Wholesale Corp. | Sold out | 0.00% | −0.04 |
| FSMD Fidelity Small-Mid Multifact | Sold out | 0.00% | −0.04 |
| DIS The Walt Disney Co. | Sold out | 0.00% | −0.04 |
| DOCU Docusign Inc. | Sold out | 0.00% | −0.04 |
| IWB iShares Russell 1000 ETF | Sold out | 0.00% | −0.03 |
| XOM Exxon Mobil Corp. | Sold out | 0.00% | −0.03 |
| CEF Sprott Physical Gold and Sil | Sold out | 0.00% | −0.03 |
| GOOGL Alphabet Inc. Class A | Sold out | 0.00% | −0.03 |
| AMZN Amazon.com Inc. | Sold out | 0.00% | −0.03 |
| BBH Vaneck Biotech ETF | Sold out | 0.00% | −0.03 |
| SCHB Schwab US Broad Market ETF | Reduce -10.1% | 0.22% | −0.03 |
| ORCL Oracle Corp. | Sold out | 0.00% | −0.03 |
| CRM Salesforce Inc. | Sold out | 0.00% | −0.03 |
| TSLA Tesla Inc. | Sold out | 0.00% | −0.03 |
| VB Vanguard Most SM-Cap ETF-Usd | Reduce -4.1% | 0.22% | −0.03 |
| SCZ iShares MSCI Eafe Small-Cap | Sold out | 0.00% | −0.02 |
| RTX RTX Corp. | Sold out | 0.00% | −0.02 |
| BA The Boeing Co. | Sold out | 0.00% | −0.02 |
| WELL Welltower Inc. | Sold out | 0.00% | −0.02 |
| NFLX Netflix Inc. | Sold out | 0.00% | −0.02 |
| PKB Invesco Building & Construct | Sold out | 0.00% | −0.02 |
| BAC Bank of America Corp. | Sold out | 0.00% | −0.02 |
| BRK.B Berkshire Hathaway Inc. Class B | Sold out | 0.00% | −0.02 |
| TDTF NT Iboxx 5Y Dur Tips ETF | Sold out | 0.00% | −0.02 |
| UITB Victoryshares Core Intermedi | Sold out | 0.00% | −0.02 |
| PG The Procter & Gamble Co. | Sold out | 0.00% | −0.01 |
| TRV The Travelers Cos Inc. | Sold out | 0.00% | −0.01 |
| VZ Verizon Communications Inc. | Sold out | 0.00% | −0.01 |
| RPRX Royalty Pharma PLC Class A | Sold out | 0.00% | −0.01 |
Portfolio Buys Q1 2025 → Q2 2025
| SCHF Schwab Intl Equity ETF | Add +2.5% | 13.93% | +1.90 |
| IVV iShares Core S&P 500 ETF | Add +5.2% | 23.76% | +1.11 |
| SCHZ Schwab US Aggregate Bond ETF | Add +4.9% | 19.05% | +0.29 |
| SCHE Schwab Emrg Mrkts Eqty ETF | Add +2.0% | 2.33% | +0.20 |
| SCHC Schwab Intl Small-Cap Equity | Add +13.5% | 0.58% | +0.14 |
| JPM JPMorgan Chase & Co. | Add +11.1% | 0.26% | +0.05 |
| SCHH Schwab US REIT ETF | Add +5.6% | 10.35% | +0.04 |
| NVDA Nvidia Corp. | Add +8.2% | 0.15% | +0.02 |
| SCHP Schwab U.S. Tips ETF | Add +1.8% | 7.58% | −0.04 |
| SCHA Schwab US Small-Cap ETF | Add +6.7% | 9.62% | −0.12 |
All Filings
| Quarter | Positions | 13F Reported Value | Top Holdings |
|---|---|---|---|
| Q2 2026 | 26 | $184.4M | IVV, SCHZ, SCHF, SCHA, SCHH |
| Q1 2026 | 26 | $165.4M | IVV, SCHZ, SCHF, SCHH, SCHA |
| Q4 2025 | 26 | $162.0M | IVV, SCHZ, SCHF, SCHA, SCHH |
| Q3 2025 | 28 | $158.6M | IVV, SCHZ, SCHF, SCHH, SCHA |
| Q2 2025 | 25 | $149.1M | IVV, SCHZ, SCHF, SCHH, SCHA |
| Q1 2025 | 115 | $141.0M | IVV, SCHZ, SCHF, SCHH, SCHA |
| Q4 2024 | 111 | $141.9M | IVV, SCHZ, SCHF, SCHH, SCHA |
| Q3 2024 | 111 | $141.9M | IVV, SCHZ, SCHF, SCHH, SCHA |
| Q2 2024 | 125 | $130.6M | IVV, SCHZ, SCHF, SCHH, SCHA |