ZynergyRetirementPlanningLLC

In its 13F for Q1 2026 (holdings as of March 31, 2026, filed April 17, 2026), ZynergyRetirementPlanningLLC reported 26 stock positions worth $165.4 million. Its top holding was iShares Core S&P 500 ETF (IVV) at 23.5% of the portfolio, followed by Schwab US Aggregate Bond ETF (SCHZ, 18.6%) and Schwab Intl Equity ETF (SCHF, 13.9%). Compared with Q4 2025, it added to 6 and reduced 13. The biggest buy was Schwab US REIT ETF (SCHH, shares +7%) and the biggest sale Schwab Short-Term US Treas (SCHO, shares −9%).

Most Recent 13F
Q2 2026
Location
RED BANK, NJ
CIK
0002031137
Portfolio Value
$165.4M (Q1 2026)
SEC Filing
0002085853-26-000404 ↗ filed Apr 17, 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 Q4 2025 Q1 2026: $165.4M $165.4M Q1 2026 Q2 2026: $184.4M Q2 2026

Holdings 26 stocks · $165.4M
IVV iShares Core S&P 500 ETF 23.51% 59,518 $38.9M Add +4.2%
SCHZ Schwab US Aggregate Bond ETF 18.62% 1,326,270 $30.8M Add +6.0%
SCHF Schwab Intl Equity ETF 13.91% 929,601 $23.0M Reduce -1.2%
SCHH Schwab US REIT ETF 10.48% 806,322 $17.3M Add +7.3%
SCHA Schwab US Small-Cap ETF 10.05% 571,593 $16.6M Reduce -1.8%
SCHP Schwab U.S. Tips ETF 7.27% 451,841 $12.0M Add +6.5%
SCHO Schwab Short-Term US Treas 6.44% 438,538 $10.6M Reduce -9.4%
SCHE Schwab Emrg Mrkts Eqty ETF 2.26% 113,577 $3.7M Reduce -4.3%
SCHV Schwab US Large-Cap Value 1.82% 98,664 $3.0M Reduce -3.1%
NVDA Nvidia Corp. 0.77% 7,254 $1.3M Add +400.6%
AAPL Apple Inc. 0.76% 4,956 $1.3M Reduce -7.3%
SCHC Schwab Intl Small-Cap Equity 0.54% 18,974 $887K Reduce -12.9%
QQQ Invesco QQQ Trust Series 1 0.50% 1,438 $830K Reduce -0.3%
VFH Vanguard Financials ETF 0.36% 4,919 $594K No change
VTV Vanguard Mrngstr Val ETF-Aui 0.31% 2,643 $519K No change
VEU Vanguard Ftse All-World Ex-U 0.31% 6,854 $515K No change
HD Home Depot Inc. 0.30% 1,499 $493K Reduce -3.6%
SCHG Schwab US Large-Cap Growth 0.27% 15,250 $444K Reduce -8.8%
SCHD Schwab US DVD Equity ETF 0.26% 13,779 $423K Reduce -9.9%
GLD SPDR Gold Shares 0.23% 889 $383K Reduce -3.0%
VB Vanguard Most SM-Cap ETF-Usd 0.21% 1,354 $355K No change
SCHB Schwab US Broad Market ETF 0.21% 13,781 $346K No change
VPU Vanguard Utilities ETF 0.17% 1,452 $288K No change
VYM Vanguard High DVD Yield ETF 0.15% 1,685 $250K Reduce -4.9%
NJR New Jersey Resources Corp. 0.15% 4,503 $247K Add +1.0%
ITA iShares U.S. Aerospace & Def 0.12% 940 $206K No change

Portfolio Sells Q4 2025 → Q1 2026
SCHO Schwab Short-Term US Treas Reduce -9.4% 6.44% −0.84
SCHA Schwab US Small-Cap ETF Reduce -1.8% 10.05% −0.19
AAPL Apple Inc. Reduce -7.3% 0.76% −0.14
SCHE Schwab Emrg Mrkts Eqty ETF Reduce -4.3% 2.26% −0.14
SCHC Schwab Intl Small-Cap Equity Reduce -12.9% 0.54% −0.08
SCHG Schwab US Large-Cap Growth Reduce -8.8% 0.27% −0.07
SCHF Schwab Intl Equity ETF Reduce -1.2% 13.91% −0.05
QQQ Invesco QQQ Trust Series 1 Reduce -0.3% 0.50% −0.05
SCHV Schwab US Large-Cap Value Reduce -3.1% 1.82% −0.04
HD Home Depot Inc. Reduce -3.6% 0.30% −0.03
VYM Vanguard High DVD Yield ETF Reduce -4.9% 0.15% −0.01
SCHD Schwab US DVD Equity ETF Reduce -9.9% 0.26% −0.00
GLD SPDR Gold Shares Reduce -3.0% 0.23% +0.01

Portfolio Buys Q4 2025 → Q1 2026
SCHH Schwab US REIT ETF Add +7.3% 10.48% +0.79
NVDA Nvidia Corp. Add +400.6% 0.77% +0.60
SCHZ Schwab US Aggregate Bond ETF Add +6.0% 18.62% +0.57
SCHP Schwab U.S. Tips ETF Add +6.5% 7.27% +0.34
NJR New Jersey Resources Corp. Add +1.0% 0.15% +0.02
IVV iShares Core S&P 500 ETF Add +4.2% 23.51% −0.64

Options Activity Q4 2025 → Q1 2026
NVDA Nvidia Corp. put Sold out 3,000 $560Kbefore exit

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