# SUMMIT WEALTH & RETIREMENT PLANNING, INC.

> Institutional holdings reported to the SEC as of Q2 2026 on Form 13F. CIK 1766995. Source: https://holderbook.com/funds/1766995-summit-wealth-retirement-planning-inc/

- Reported value: $471.9M
- Positions: 113
- Weight of the ten largest: 68.0%
- Filed: 2026-07-27

A 13F reports long US equity positions only. Short positions, bonds, foreign listings, private holdings and cash are not visible, so this is not the manager's whole book.

## Holdings

| Security | Ticker | Value | Shares | Weight | Quarters held |
|---|---|---|---|---|---|
| SCHWAB STRATEGIC TR | [SCHV](https://holderbook.com/stocks/SCHV/) | $61.9M | 1,777,034 | 13.1% | 31 |
| VANGUARD WORLD FD | [MGC](https://holderbook.com/stocks/MGC/) | $59.4M | 217,223 | 12.6% | 26 |
| SCHWAB STRATEGIC TR | [SCHG](https://holderbook.com/stocks/SCHG/) | $51.5M | 1,522,032 | 10.9% | 31 |
| SCHWAB STRATEGIC TR | [SCHF](https://holderbook.com/stocks/SCHF/) | $32.6M | 1,175,965 | 6.9% | 31 |
| ABRDN PRECIOUS METALS BASKET | [GLTR](https://holderbook.com/stocks/GLTR/) | $23.4M | 129,390 | 5.0% | 30 |
| SCHWAB STRATEGIC TR | [SCHA](https://holderbook.com/stocks/SCHA/) | $22.2M | 614,388 | 4.7% | 31 |
| LITMAN GREGORY FDS TR | [DBMF](https://holderbook.com/stocks/DBMF/) | $19.5M | 638,441 | 4.1% | 16 |
| SCHWAB STRATEGIC TR | [SCHE](https://holderbook.com/stocks/SCHE/) | $18.4M | 507,913 | 3.9% | 31 |
| EA SERIES TRUST | [BOXX](https://holderbook.com/stocks/BOXX/) | $18.0M | 153,499 | 3.8% | 10 |
| ISHARES TR | [IWD](https://holderbook.com/stocks/IWD/) | $14.2M | 58,572 | 3.0% | 31 |
| DIMENSIONAL ETF TRUST | [DISV](https://holderbook.com/stocks/DISV/) | $10.7M | 266,152 | 2.3% | 2 |
| STATE STR SPDR S&P 500 ETF T | [SPY](https://holderbook.com/stocks/SPY/) | $9.2M | 12,286 | 1.9% | 20 |
| ISHARES TR | [EFA](https://holderbook.com/stocks/EFA/) | $8.9M | 86,031 | 1.9% | 31 |
| ISHARES TR | [IWM](https://holderbook.com/stocks/IWM/) | $6.8M | 22,489 | 1.4% | 31 |
| APPLE INC | [AAPL](https://holderbook.com/stocks/AAPL/) | $6.6M | 22,956 | 1.4% | 30 |
| SCHWAB STRATEGIC TR | [SCHB](https://holderbook.com/stocks/SCHB/) | $6.6M | 227,501 | 1.4% | 31 |
| ISHARES TR | [IWF](https://holderbook.com/stocks/IWF/) | $5.2M | 41,871 | 1.1% | 31 |
| ISHARES TR | [EEM](https://holderbook.com/stocks/EEM/) | $5.2M | 75,857 | 1.1% | 26 |
| VANGUARD INDEX FDS | [VBR](https://holderbook.com/stocks/VBR/) | $4.8M | 19,775 | 1.0% | 19 |
| ALPHABET INC | [GOOGL](https://holderbook.com/stocks/GOOGL/) | $4.8M | 13,430 | 1.0% | 31 |
| VANGUARD INDEX FDS | [VOO](https://holderbook.com/stocks/VOO/) | $4.6M | 6,673 | 1.0% | 7 |
| MICROSOFT CORP | [MSFT](https://holderbook.com/stocks/MSFT/) | $4.3M | 11,583 | 0.9% | 31 |
| VANGUARD INDEX FDS | [VTV](https://holderbook.com/stocks/VTV/) | $3.4M | 15,498 | 0.7% | 7 |
| EA SERIES TRUST | - | $3.2M | 62,800 | 0.7% | 1 |
| VANGUARD INDEX FDS | [VB](https://holderbook.com/stocks/VB/) | $3.0M | 9,754 | 0.6% | 13 |
| TESLA INC | [TSLA](https://holderbook.com/stocks/TSLA/) | $2.8M | 6,560 | 0.6% | 17 |
| JPMORGAN CHASE & CO | [JPM](https://holderbook.com/stocks/JPM/) | $2.6M | 8,002 | 0.6% | 31 |
| ALPHABET INC | [GOOG](https://holderbook.com/stocks/GOOG/) | $2.5M | 7,123 | 0.5% | 31 |
| BROADCOM INC | [AVGO](https://holderbook.com/stocks/AVGO/) | $2.4M | 6,263 | 0.5% | 7 |
| AMERICAN CENTY ETF TR | [AVDV](https://holderbook.com/stocks/AVDV/) | $2.4M | 22,942 | 0.5% | 2 |
| EA SERIES TRUST | [AAUA](https://holderbook.com/stocks/AAUA/) | $2.3M | 40,458 | 0.5% | 2 |
| VANGUARD SCOTTSDALE FDS | [VGIT](https://holderbook.com/stocks/VGIT/) | $2.1M | 36,003 | 0.4% | 27 |
| EA SERIES TRUST | [AAEQ](https://holderbook.com/stocks/AAEQ/) | $2.1M | 39,418 | 0.4% | 3 |
| NVIDIA CORPORATION | [NVDA](https://holderbook.com/stocks/NVDA/) | $2.1M | 10,432 | 0.4% | 15 |
| BERKSHIRE HATHAWAY INC DEL | [BRKB](https://holderbook.com/stocks/BRKB/) | $1.9M | 3,838 | 0.4% | 17 |
| VANGUARD INDEX FDS | [VUG](https://holderbook.com/stocks/VUG/) | $1.9M | 21,590 | 0.4% | 8 |
| CAMBRIA ETF TR | [SYLD](https://holderbook.com/stocks/SYLD/) | $1.8M | 22,647 | 0.4% | 10 |
| ISHARES TR | [IEFA](https://holderbook.com/stocks/IEFA/) | $1.4M | 14,942 | 0.3% | 7 |
| ELI LILLY & CO | [LLY](https://holderbook.com/stocks/LLY/) | $1.3M | 1,060 | 0.3% | 8 |
| AMAZON COM INC | [AMZN](https://holderbook.com/stocks/AMZN/) | $961.7K | 4,035 | 0.2% | 30 |
| ABBVIE INC | [ABBV](https://holderbook.com/stocks/ABBV/) | $956.7K | 3,802 | 0.2% | 10 |
| EA SERIES TRUST | [AAUS](https://holderbook.com/stocks/AAUS/) | $926.3K | 15,504 | 0.2% | 4 |
| ADVANCED MICRO DEVICES INC | [AMD](https://holderbook.com/stocks/AMD/) | $903.3K | 1,555 | 0.2% | 5 |
| SCHWAB STRATEGIC TR | [SCHD](https://holderbook.com/stocks/SCHD/) | $865.7K | 27,300 | 0.2% | 31 |
| PALO ALTO NETWORKS INC | [PANW](https://holderbook.com/stocks/PANW/) | $862.8K | 2,530 | 0.2% | 27 |
| BANK OF AMER CORP | [BAC](https://holderbook.com/stocks/BAC/) | $836.1K | 14,673 | 0.2% | 10 |
| SIMPSON MFG INC | [SSD](https://holderbook.com/stocks/SSD/) | $807.5K | 3,857 | 0.2% | 13 |
| VANGUARD INTL EQUITY INDEX F | [VWO](https://holderbook.com/stocks/VWO/) | $799.3K | 13,391 | 0.2% | 7 |
| HOME DEPOT INC | [HD](https://holderbook.com/stocks/HD/) | $792.5K | 2,247 | 0.2% | 17 |
| ISHARES TR | [HDV](https://holderbook.com/stocks/HDV/) | $763.7K | 27,861 | 0.2% | 16 |
| EXXON MOBIL CORP | [XOMXXXX](https://holderbook.com/stocks/XOMXXXX/) | $712.4K | 5,211 | 0.2% | 10 |
| RTX CORPORATION | [RTX](https://holderbook.com/stocks/RTX/) | $702.4K | 3,702 | 0.1% | 5 |
| VANGUARD WHITEHALL FDS | [VYM](https://holderbook.com/stocks/VYM/) | $700.7K | 4,434 | 0.1% | 15 |
| VANGUARD INDEX FDS | [VTI](https://holderbook.com/stocks/VTI/) | $683.8K | 1,848 | 0.1% | 5 |
| STATE STR CORP | [STT](https://holderbook.com/stocks/STT/) | $682.1K | 4,022 | 0.1% | 10 |
| OREILLY AUTOMOTIVE INC | [ORLY](https://holderbook.com/stocks/ORLY/) | $665.8K | 7,230 | 0.1% | 5 |
| COPART INC | [CPRT](https://holderbook.com/stocks/CPRT/) | $663.6K | 23,540 | 0.1% | 18 |
| CISCO SYS INC | [CSCO](https://holderbook.com/stocks/CSCO/) | $637.6K | 5,429 | 0.1% | 10 |
| VANGUARD TAX-MANAGED FDS | [VEA](https://holderbook.com/stocks/VEA/) | $633.6K | 8,893 | 0.1% | 15 |
| INVESCO QQQ TR | [QQQ](https://holderbook.com/stocks/QQQ/) | $624.1K | 848 | 0.1% | 15 |
| MORGAN STANLEY | [MS](https://holderbook.com/stocks/MS/) | $612.5K | 2,930 | 0.1% | 5 |
| MERCK & CO INC | [MRK](https://holderbook.com/stocks/MRK/) | $578.6K | 4,503 | 0.1% | 14 |
| MASTERCARD INCORPORATED | [MA](https://holderbook.com/stocks/MA/) | $566.0K | 1,102 | 0.1% | 5 |
| VANGUARD INDEX FDS | [VO](https://holderbook.com/stocks/VO/) | $547.6K | 6,796 | 0.1% | 13 |
| COSTCO WHOLESALE CORPORATION | [COST](https://holderbook.com/stocks/COST/) | $536.0K | 573 | 0.1% | 16 |
| JOHNSON & JOHNSON | [JNJ](https://holderbook.com/stocks/JNJ/) | $534.6K | 2,105 | 0.1% | 10 |
| MARRIOTT INTL INC NEW | [MAR](https://holderbook.com/stocks/MAR/) | $522.5K | 1,410 | 0.1% | 5 |
| QUALCOMM INC | [QCOM](https://holderbook.com/stocks/QCOM/) | $509.4K | 2,757 | 0.1% | 10 |
| CATERPILLAR INC | [CAT](https://holderbook.com/stocks/CAT/) | $493.0K | 463 | 0.1% | 3 |
| META PLATFORMS INC | [META](https://holderbook.com/stocks/META/) | $478.2K | 849 | 0.1% | 10 |
| SELECT SECTOR SPDR TR | [XLK](https://holderbook.com/stocks/XLK/) | $428.7K | 2,250 | 0.1% | 5 |
| SCHWAB CHARLES CORP | [SCHW](https://holderbook.com/stocks/SCHW/) | $419.3K | 4,544 | 0.1% | 6 |
| UNITEDHEALTH GROUP INC | [UNH](https://holderbook.com/stocks/UNH/) | $412.3K | 992 | 0.1% | 5 |
| ISHARES TR | [IWB](https://holderbook.com/stocks/IWB/) | $409.5K | 1,000 | 0.1% | 10 |
| J P MORGAN EXCHANGE TRADED F | [JEPI](https://holderbook.com/stocks/JEPI/) | $389.0K | 6,887 | 0.1% | 8 |
| BLACKROCK INC | [BLK](https://holderbook.com/stocks/BLK/) | $387.5K | 403 | 0.1% | 5 |
| VISA INC | [V](https://holderbook.com/stocks/V/) | $372.3K | 1,085 | 0.1% | 26 |
| SEMPRA | [SRE](https://holderbook.com/stocks/SRE/) | $369.8K | 3,989 | 0.1% | 5 |
| STRYKER CORPORATION | [SYK](https://holderbook.com/stocks/SYK/) | $369.0K | 1,172 | 0.1% | 5 |
| CME GROUP INC | [CME](https://holderbook.com/stocks/CME/) | $361.5K | 1,637 | 0.1% | 5 |
| WELLS FARGO & CO | [WFC](https://holderbook.com/stocks/WFC/) | $359.5K | 4,350 | 0.1% | 7 |
| NORFOLK SOUTHN CORP | [NSC](https://holderbook.com/stocks/NSC/) | $359.3K | 1,142 | 0.1% | 5 |
| DEERE & CO | [DE](https://holderbook.com/stocks/DE/) | $358.4K | 565 | 0.1% | 5 |
| ABBOTT LABORATORIES | [ABT](https://holderbook.com/stocks/ABT/) | $356.8K | 3,932 | 0.1% | 5 |
| VANGUARD INDEX FDS | [VV](https://holderbook.com/stocks/VV/) | $346.0K | 1,006 | 0.1% | 11 |
| TRANE TECHNOLOGIES PLC | [TT](https://holderbook.com/stocks/TT/) | $323.2K | 658 | 0.1% | 5 |
| DIMENSIONAL ETF TRUST | [DFAC](https://holderbook.com/stocks/DFAC/) | $316.5K | 7,135 | 0.1% | 7 |
| ISHARES TR | [IJH](https://holderbook.com/stocks/IJH/) | $310.4K | 4,025 | 0.1% | 17 |
| ISHARES TR | [IWR](https://holderbook.com/stocks/IWR/) | $300.5K | 2,724 | 0.1% | 7 |
| TORONTO DOMINION BK ONT | [TD](https://holderbook.com/stocks/TD/) | $299.3K | 2,465 | 0.1% | 3 |
| PROCTER & GAMBLE CO | [PG](https://holderbook.com/stocks/PG/) | $296.7K | 2,023 | 0.1% | 20 |
| VANGUARD INDEX FDS | [VOE](https://holderbook.com/stocks/VOE/) | $277.6K | 1,405 | 0.1% | 10 |
| HUNTINGTON INGALLS INDS INC | [HII](https://holderbook.com/stocks/HII/) | $266.7K | 953 | 0.1% | 5 |
| ISHARES TR | [IUSV](https://holderbook.com/stocks/IUSV/) | $258.3K | 2,345 | 0.1% | 10 |
| GE AEROSPACE | [GE](https://holderbook.com/stocks/GE/) | $258.3K | 691 | 0.1% | 1 |
| J P MORGAN EXCHANGE TRADED F | [JGRO](https://holderbook.com/stocks/JGRO/) | $257.5K | 2,612 | 0.1% | 8 |
| CHEVRON CORPORATION | [CVX](https://holderbook.com/stocks/CVX/) | $250.6K | 1,512 | 0.1% | 2 |
| J P MORGAN EXCHANGE TRADED F | [JVAL](https://holderbook.com/stocks/JVAL/) | $245.3K | 4,183 | 0.1% | 5 |
| J P MORGAN EXCHANGE TRADED F | [JQUA](https://holderbook.com/stocks/JQUA/) | $241.1K | 3,336 | 0.1% | 6 |
| BROWN FORMAN CORP | [BFB](https://holderbook.com/stocks/BFB/) | $231.2K | 8,677 | 0.0% | 3 |

## What the disclosed book did

Not the fund's return. This is the change in value of the positions disclosed on Form 13F, had they been left untouched, against SPY over the same quarter ends.

| Quarter | Book | Market | Difference | Priced |
|---|---|---|---|---|
| Q2 2026 | +10.8% | +14.8% | -4.0% | 100% |
| Q1 2026 | -1.7% | -4.6% | +2.9% | 100% |
| Q4 2025 | +3.7% | +2.4% | +1.3% | 100% |
| Q3 2025 | +8.5% | +7.8% | +0.7% | 100% |
| Q2 2025 | +8.8% | +10.5% | -1.6% | 100% |
| Q1 2025 | -2.0% | -4.6% | +2.6% | 100% |
| Q4 2024 | -0.7% | +2.1% | -2.9% | 100% |
| Q3 2024 | +5.2% | +5.4% | -0.2% | 100% |

## Quarter by quarter

| Quarter | Value | Positions |
|---|---|---|
| Q2 2026 | $471.9M | 113 |
| Q1 2026 | $419.1M | 108 |
| Q4 2025 | $424.7M | 112 |
| Q3 2025 | $406.9M | 106 |
| Q2 2025 | $372.5M | 101 |
| Q1 2025 | $326.3M | 78 |
| Q4 2024 | $323.1M | 75 |
| Q3 2024 | $313.3M | 68 |
| Q2 2024 | $293.7M | 64 |
| Q1 2024 | $280.5M | 63 |
| Q4 2023 | $236.7M | 54 |
| Q3 2023 | $248.6M | 57 |