ZynergyRetirementPlanningLLC

In its 13F for Q4 2025 (holdings as of December 31, 2025, filed January 9, 2026), ZynergyRetirementPlanningLLC reported 26 stock positions worth $162.0 million. Its top holding was iShares Core S&P 500 ETF (IVV) at 24.2% of the portfolio, followed by Schwab US Aggregate Bond ETF (SCHZ, 18.1%) and Schwab Intl Equity ETF (SCHF, 14.0%). Compared with Q3 2025, it sold out of 2, added to 11 and reduced 8. The biggest buy was Schwab Short-Term US Treas (SCHO, shares +27%) and the biggest sale Schwab U.S. Tips ETF (SCHP, shares −1%).

Most Recent 13F
Q2 2026
Location
RED BANK, NJ
CIK
0002031137
Portfolio Value
$162.0M (Q4 2025)
SEC Filing
0002085853-26-000023 ↗ filed Jan 9, 2026

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 Q1 2025 Q2 2025: $149.1M Q2 2025 Q3 2025: $158.6M Q3 2025 Q4 2025: $162.0M $162.0M Q4 2025 Q1 2026: $165.4M Q1 2026 Q2 2026: $184.4M Q2 2026

Holdings 26 stocks · $162.0M
IVV iShares Core S&P 500 ETF 24.15% 57,117 $39.1M Add +0.6%
SCHZ Schwab US Aggregate Bond ETF 18.06% 1,251,547 $29.2M Add +0.1%
SCHF Schwab Intl Equity ETF 13.96% 940,599 $22.6M Add +0.3%
SCHA Schwab US Small-Cap ETF 10.24% 582,311 $16.6M Add +1.8%
SCHH Schwab US REIT ETF 9.69% 751,590 $15.7M Add +0.7%
SCHO Schwab Short-Term US Treas 7.28% 483,964 $11.8M Add +26.9%
SCHP Schwab U.S. Tips ETF 6.94% 424,093 $11.2M Reduce -1.2%
SCHE Schwab Emrg Mrkts Eqty ETF 2.40% 118,623 $3.9M Add +2.5%
SCHV Schwab US Large-Cap Value 1.86% 101,806 $3.0M Reduce -0.2%
AAPL Apple Inc. 0.90% 5,346 $1.5M No change
SCHC Schwab Intl Small-Cap Equity 0.61% 21,776 $991K Add +6.2%
QQQ Invesco QQQ Trust Series 1 0.55% 1,443 $886K Reduce -2.5%
VFH Vanguard Financials ETF 0.41% 4,919 $657K No change
SCHG Schwab US Large-Cap Growth 0.34% 16,727 $546K Reduce -4.8%
HD Home Depot Inc. 0.33% 1,555 $535K Reduce -3.2%
VTV Vanguard Mrngstr Val ETF-Aui 0.31% 2,643 $505K No change
VEU Vanguard Ftse All-World Ex-U 0.31% 6,854 $504K No change
SCHD Schwab US DVD Equity ETF 0.26% 15,299 $420K Add +1.4%
GLD SPDR Gold Shares 0.22% 917 $363K Reduce -4.6%
SCHB Schwab US Broad Market ETF 0.22% 13,781 $361K Reduce -0.6%
VB Vanguard Most SM-Cap ETF-Usd 0.22% 1,354 $349K No change
NVDA Nvidia Corp. 0.17% 1,449 $270K Add +5.3%
VPU Vanguard Utilities ETF 0.17% 1,452 $269K No change
VYM Vanguard High DVD Yield ETF 0.16% 1,772 $254K No change
NJR New Jersey Resources Corp. 0.13% 4,457 $206K Add +1.0%
ITA iShares U.S. Aerospace & Def 0.12% 940 $202K Reduce -2.5%

Options reported separately and not counted above: NVDA puts ($560K).

Portfolio Sells Q3 2025 → Q4 2025
SCHP Schwab U.S. Tips ETF Reduce -1.2% 6.94% −0.36
LULU Lululemon Athletica Inc. Sold out 0.00% −0.34
JPM JPMorgan Chase & Co. Sold out 0.00% −0.26
HD Home Depot Inc. Reduce -3.2% 0.33% −0.08
SCHG Schwab US Large-Cap Growth Reduce -4.8% 0.34% −0.02
QQQ Invesco QQQ Trust Series 1 Reduce -2.5% 0.55% −0.01
SCHV Schwab US Large-Cap Value Reduce -0.2% 1.86% −0.01
ITA iShares U.S. Aerospace & Def Reduce -2.5% 0.12% −0.00
SCHB Schwab US Broad Market ETF Reduce -0.6% 0.22% −0.00
GLD SPDR Gold Shares Reduce -4.6% 0.22% +0.01

Portfolio Buys Q3 2025 → Q4 2025
SCHO Schwab Short-Term US Treas Add +26.9% 7.28% +1.41
IVV iShares Core S&P 500 ETF Add +0.6% 24.15% +0.20
SCHF Schwab Intl Equity ETF Add +0.3% 13.96% +0.19
SCHA Schwab US Small-Cap ETF Add +1.8% 10.24% +0.18
SCHC Schwab Intl Small-Cap Equity Add +6.2% 0.61% +0.02
NVDA Nvidia Corp. Add +5.3% 0.17% +0.00
SCHD Schwab US DVD Equity ETF Add +1.4% 0.26% −0.00
NJR New Jersey Resources Corp. Add +1.0% 0.13% −0.01
SCHE Schwab Emrg Mrkts Eqty ETF Add +2.5% 2.40% −0.04
SCHZ Schwab US Aggregate Bond ETF Add +0.1% 18.06% −0.45
SCHH Schwab US REIT ETF Add +0.7% 9.69% −0.46

Options Activity Q3 2025 → Q4 2025
NVDA Nvidia Corp. put New 3,000 $560K

Calls and puts are listed by the shares they cover; their value is not part of the stock holdings above.

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