Data as of Q4 2025 (Dec 31, 2025)

ZynergyRetirementPlanningLLC

•CIK: 2031137•Filing: Q4 2025

**ZynergyRetirementPlanningLLC** manages $162M across a diversified portfolio of 26 positions. The fund exhibits a strong core allocation to broad market ETFs, notably holding $39.1M in IVV and $29.2M in SCHZ. Further concentration is evident in sector-specific exposure, with combined top holdings in SCHF, SCHA, and SCHH exceeding $54M. This structure suggests a systematic, low-volatility approach targeting long-term capital preservation.

Total AUM
$162.0M
QoQ Performance
+2.1%
Positions
12
Top 10 Concentration
95.5%
Latest Filing
Q4 2025

Top Holdings Allocation

IVV
SCHZ
SCHF
SCHA
SCHH
SCHO
SCHP
IVV24.2%
SCHZ18.1%
SCHF14.0%
SCHA10.2%
SCHH9.7%
SCHO7.3%
SCHP6.9%
SCHE2.4%

📈 Biggest Buys

SCHO
SCHWAB STRATEGIC TR
+26.9%
7.3% of portfolio
SCHA
SCHWAB STRATEGIC TR
+1.8%
10.2% of portfolio
IVV
ISHARES TR
+0.6%
24.2% of portfolio
SCHH
SCHWAB STRATEGIC TR
+0.7%
9.7% of portfolio
SCHE
SCHWAB STRATEGIC TR
+2.6%
2.4% of portfolio

📉 Biggest Sells

SCHP
SCHWAB STRATEGIC TR
-1.2%
6.9% of portfolio
SCHG
SCHWAB STRATEGIC TR
-4.8%
0.3% of portfolio
NDQ
INVESCO QQQ TR
-2.5%
0.5% of portfolio
HD
HOME DEPOT INC
-3.2%
0.3% of portfolio
GQ9
SPDR GOLD TR
-4.6%
0.2% of portfolio

Sector Breakdown

Other74.5%
ETF24.2%
Technology1.1%
Consumer0.3%

🚪 Exited Positionssold since Q3 2025

LULU
LULULEMON ATHLETICA INC
SOLD
$533.8K
JPM
JPMORGAN CHASE & CO.
SOLD
$416.7K

Changes from Q3 2025

↑11 increased
↓8 decreased

Historical Filings

Q4 2025Q3 2025Q2 2025Q1 2025Q4 2024Q3 2024Q2 2024

📌 Top Holdings

IVV24.2%
ISHARES TR
$39.1M
SCHZ18.1%
SCHWAB STRATEGIC TR
$29.2M
SCHF14.0%
SCHWAB STRATEGIC TR
$22.6M
SCHA10.2%
SCHWAB STRATEGIC TR
$16.6M
SCHH9.7%
SCHWAB STRATEGIC TR
$15.7M

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