ZynergyRetirementPlanningLLC
In its 13F for Q3 2025 (holdings as of September 30, 2025, filed October 8, 2025), ZynergyRetirementPlanningLLC reported 28 stock positions worth $158.6 million. Its top holding was iShares Core S&P 500 ETF (IVV) at 24.0% of the portfolio, followed by Schwab US Aggregate Bond ETF (SCHZ, 18.5%) and Schwab Intl Equity ETF (SCHF, 13.8%). Compared with Q2 2025, it opened 3 new positions, added to 9 and reduced 9. The biggest buy was Schwab US Small-Cap ETF (SCHA, shares +1%) and the biggest sale Schwab Intl Equity ETF (SCHF, shares −0%).
- Most Recent 13F
- Q2 2026
- Location
- RED BANK, NJ
- CIK
- 0002031137
- Portfolio Value
- $158.6M (Q3 2025)
- SEC Filing
- 0002085853-25-000029 ↗ filed Oct 8, 2025
Holdings Value
Holdings 28 stocks · $158.6M
| IVV iShares Core S&P 500 ETF | 23.96% | 56,757 | $38.0M | Reduce -0.5% |
| SCHZ Schwab US Aggregate Bond ETF | 18.51% | 1,250,430 | $29.3M | Add +2.3% |
| SCHF Schwab Intl Equity ETF | 13.77% | 937,941 | $21.8M | Reduce -0.2% |
| SCHH Schwab US REIT ETF | 10.15% | 746,401 | $16.1M | Add +2.3% |
| SCHA Schwab US Small-Cap ETF | 10.06% | 571,869 | $16.0M | Add +0.9% |
| SCHP Schwab U.S. Tips ETF | 7.30% | 429,411 | $11.6M | Add +1.4% |
| SCHO Schwab Short-Term US Treas | 5.87% | 381,363 | $9.3M | Add +1.7% |
| SCHE Schwab Emrg Mrkts Eqty ETF | 2.43% | 115,668 | $3.9M | Add +0.6% |
| SCHV Schwab US Large-Cap Value | 1.87% | 102,028 | $3.0M | Reduce -1.4% |
| AAPL Apple Inc. | 0.86% | 5,346 | $1.4M | No change |
| SCHC Schwab Intl Small-Cap Equity | 0.59% | 20,510 | $933K | Add +0.8% |
| QQQ Invesco QQQ Trust Series 1 | 0.56% | 1,480 | $889K | No change |
| HD Home Depot Inc. | 0.41% | 1,606 | $651K | Reduce -3.2% |
| VFH Vanguard Financials ETF | 0.41% | 4,919 | $646K | Reduce -0.7% |
| SCHG Schwab US Large-Cap Growth | 0.35% | 17,575 | $561K | Reduce -0.5% |
| LULU Lululemon Athletica Inc. | 0.34% | 3,000 | $534K | New |
| VTV Vanguard Mrngstr Val ETF-Aui | 0.31% | 2,643 | $493K | No change |
| VEU Vanguard Ftse All-World Ex-U | 0.31% | 6,854 | $489K | No change |
| JPM JPMorgan Chase & Co. | 0.26% | 1,321 | $417K | No change |
| SCHD Schwab US DVD Equity ETF | 0.26% | 15,090 | $412K | Reduce -1.2% |
| SCHB Schwab US Broad Market ETF | 0.22% | 13,868 | $357K | Add +0.1% |
| VB Vanguard Most SM-Cap ETF-Usd | 0.22% | 1,354 | $344K | No change |
| GLD SPDR Gold Shares | 0.22% | 961 | $342K | Reduce -3.1% |
| VPU Vanguard Utilities ETF | 0.17% | 1,452 | $275K | No change |
| NVDA Nvidia Corp. | 0.16% | 1,376 | $257K | Add +0.1% |
| VYM Vanguard High DVD Yield ETF | 0.16% | 1,772 | $250K | Reduce -7.5% |
| NJR New Jersey Resources Corp. | 0.13% | 4,414 | $213K | New |
| ITA iShares U.S. Aerospace & Def | 0.13% | 964 | $202K | New |
Portfolio Sells Q2 2025 → Q3 2025
| SCHF Schwab Intl Equity ETF | Reduce -0.2% | 13.77% | −0.16 |
| SCHV Schwab US Large-Cap Value | Reduce -1.4% | 1.87% | −0.05 |
| VFH Vanguard Financials ETF | Reduce -0.7% | 0.41% | −0.02 |
| VYM Vanguard High DVD Yield ETF | Reduce -7.5% | 0.16% | −0.01 |
| SCHD Schwab US DVD Equity ETF | Reduce -1.2% | 0.26% | −0.01 |
| HD Home Depot Inc. | Reduce -3.2% | 0.41% | +0.00 |
| SCHG Schwab US Large-Cap Growth | Reduce -0.5% | 0.35% | +0.01 |
| GLD SPDR Gold Shares | Reduce -3.1% | 0.22% | +0.01 |
| IVV iShares Core S&P 500 ETF | Reduce -0.5% | 23.96% | +0.19 |
Portfolio Buys Q2 2025 → Q3 2025
| SCHA Schwab US Small-Cap ETF | Add +0.9% | 10.06% | +0.44 |
| LULU Lululemon Athletica Inc. | New | 0.34% | +0.34 |
| NJR New Jersey Resources Corp. | New | 0.13% | +0.13 |
| ITA iShares U.S. Aerospace & Def | New | 0.13% | +0.13 |
| SCHE Schwab Emrg Mrkts Eqty ETF | Add +0.6% | 2.43% | +0.11 |
| NVDA Nvidia Corp. | Add +0.1% | 0.16% | +0.02 |
| SCHC Schwab Intl Small-Cap Equity | Add +0.8% | 0.59% | +0.01 |
| SCHB Schwab US Broad Market ETF | Add +0.1% | 0.22% | +0.00 |
| SCHH Schwab US REIT ETF | Add +2.3% | 10.15% | −0.20 |
| SCHO Schwab Short-Term US Treas | Add +1.7% | 5.87% | −0.27 |
| SCHP Schwab U.S. Tips ETF | Add +1.4% | 7.30% | −0.28 |
| SCHZ Schwab US Aggregate Bond ETF | Add +2.3% | 18.51% | −0.54 |
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 |