# Ruggaard & Associates LLC

> Institutional holdings reported to the SEC as of Q2 2026 on Form 13F. CIK 1971230. Source: https://holderbook.com/funds/1971230-ruggaard-associates-llc/

- Reported value: $278.7M
- Positions: 128
- Weight of the ten largest: 45.4%
- Filed: 2026-08-17

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 |
|---|---|---|---|---|---|
| CAPITAL GROUP DIVIDEND VALUE | [CGDV](https://holderbook.com/stocks/CGDV/) | $16.5M | 333,808 | 5.9% | 12 |
| J P MORGAN EXCHANGE TRADED F | [JPST](https://holderbook.com/stocks/JPST/) | $15.0M | 295,794 | 5.4% | 14 |
| CAPITAL GRP FIXED INCM ETF T | [CGCP](https://holderbook.com/stocks/CGCP/) | $13.7M | 613,503 | 4.9% | 14 |
| INVESCO EXCHANGE TRADED FD T | [SPHQ](https://holderbook.com/stocks/SPHQ/) | $12.5M | 138,254 | 4.5% | 5 |
| VANGUARD INDEX FDS | [VO](https://holderbook.com/stocks/VO/) | $12.3M | 152,542 | 4.4% | 14 |
| ISHARES TR | [IBDU](https://holderbook.com/stocks/IBDU/) | $12.2M | 528,717 | 4.4% | 3 |
| ISHARES TR | [IBHF](https://holderbook.com/stocks/IBHF/) | $11.9M | 525,863 | 4.3% | 11 |
| J P MORGAN EXCHANGE TRADED F | [JBND](https://holderbook.com/stocks/JBND/) | $11.4M | 213,405 | 4.1% | 9 |
| CAPITAL GROUP GBL GROWTH EQT | [CGGO](https://holderbook.com/stocks/CGGO/) | $11.3M | 266,143 | 4.0% | 11 |
| AMERICAN CENTY ETF TR | [QGRO](https://holderbook.com/stocks/QGRO/) | $9.9M | 84,069 | 3.6% | 14 |
| INVESCO EXCHANGE TRADED FD T | [RSP](https://holderbook.com/stocks/RSP/) | $9.0M | 42,329 | 3.2% | 14 |
| BNY MELLON ETF TRUST II | [BKDV](https://holderbook.com/stocks/BKDV/) | $8.8M | 264,134 | 3.2% | 3 |
| DBX ETF TR | [DBEF](https://holderbook.com/stocks/DBEF/) | $8.5M | 155,517 | 3.0% | 5 |
| WISDOMTREE TR | [WTV](https://holderbook.com/stocks/WTV/) | $8.4M | 82,878 | 3.0% | 6 |
| DIMENSIONAL ETF TRUST | [DFAS](https://holderbook.com/stocks/DFAS/) | $8.4M | 102,255 | 3.0% | 10 |
| ISHARES TR | [IWF](https://holderbook.com/stocks/IWF/) | $8.4M | 67,592 | 3.0% | 14 |
| APPLE INC | [AAPL](https://holderbook.com/stocks/AAPL/) | $7.5M | 25,759 | 2.7% | 14 |
| VANGUARD INDEX FDS | [VB](https://holderbook.com/stocks/VB/) | $7.4M | 24,486 | 2.7% | 14 |
| VANGUARD STAR FDS | [VXUS](https://holderbook.com/stocks/VXUS/) | $5.8M | 68,237 | 2.1% | 2 |
| ISHARES TR | [IVV](https://holderbook.com/stocks/IVV/) | $4.8M | 6,406 | 1.7% | 14 |
| ISHARES TR | [DGRO](https://holderbook.com/stocks/DGRO/) | $2.6M | 34,276 | 0.9% | 10 |
| PIMCO ETF TR | [MINT](https://holderbook.com/stocks/MINT/) | $2.6M | 25,352 | 0.9% | 10 |
| AGNICO EAGLE MINES LTD | [AEM](https://holderbook.com/stocks/AEM/) | $2.2M | 14,088 | 0.8% | 14 |
| J P MORGAN EXCHANGE TRADED F | [JMEE](https://holderbook.com/stocks/JMEE/) | $2.1M | 26,476 | 0.7% | 14 |
| MICROSOFT CORP | [MSFT](https://holderbook.com/stocks/MSFT/) | $2.0M | 5,326 | 0.7% | 14 |
| AMERICAN CENTY ETF TR | [AVLV](https://holderbook.com/stocks/AVLV/) | $1.9M | 20,344 | 0.7% | 6 |
| WISDOMTREE TR | [DGRW](https://holderbook.com/stocks/DGRW/) | $1.7M | 17,718 | 0.6% | 14 |
| COLUMBIA ETF TR I | [REVS](https://holderbook.com/stocks/REVS/) | $1.7M | 53,364 | 0.6% | 9 |
| TEXAS INSTRS INC | [TXN](https://holderbook.com/stocks/TXN/) | $1.7M | 5,539 | 0.6% | 14 |
| VANGUARD INDEX FDS | [VUG](https://holderbook.com/stocks/VUG/) | $1.6M | 19,101 | 0.6% | 14 |
| TAIWAN SEMICONDUCTOR MANUFAC | [TSM](https://holderbook.com/stocks/TSM/) | $1.5M | 3,214 | 0.6% | 14 |
| AMAZON COM INC | [AMZN](https://holderbook.com/stocks/AMZN/) | $1.5M | 6,412 | 0.5% | 14 |
| FIGURE TECHNOLOGY SOLUTIO | [FIGR](https://holderbook.com/stocks/FIGR/) | $1.5M | 48,762 | 0.5% | 1 |
| ISHARES TR | [IJT](https://holderbook.com/stocks/IJT/) | $1.5M | 8,212 | 0.5% | 14 |
| J P MORGAN EXCHANGE TRADED F | [JIRE](https://holderbook.com/stocks/JIRE/) | $1.4M | 16,630 | 0.5% | 4 |
| CONOCOPHILLIPS | [COP](https://holderbook.com/stocks/COP/) | $1.3M | 12,827 | 0.5% | 14 |
| PIMCO ETF TR | [PYLD](https://holderbook.com/stocks/PYLD/) | $1.3M | 49,472 | 0.5% | 10 |
| JANUS DETROIT STR TR | [JAAA](https://holderbook.com/stocks/JAAA/) | $1.3M | 25,960 | 0.5% | 9 |
| NOVARTIS AG | [NVS](https://holderbook.com/stocks/NVS/) | $1.2M | 7,643 | 0.4% | 14 |
| NVIDIA CORPORATION | [NVDA](https://holderbook.com/stocks/NVDA/) | $1.0M | 5,227 | 0.4% | 11 |
| ISHARES TR | [IJK](https://holderbook.com/stocks/IJK/) | $1.0M | 8,598 | 0.4% | 14 |
| VALERO ENERGY CORP | [VLO](https://holderbook.com/stocks/VLO/) | $964.4K | 3,703 | 0.3% | 14 |
| JPMORGAN CHASE & CO | [JPM](https://holderbook.com/stocks/JPM/) | $951.9K | 2,908 | 0.3% | 14 |
| ROYAL BK CDA | [RY](https://holderbook.com/stocks/RY/) | $935.5K | 4,520 | 0.3% | 14 |
| AFLAC INC | [AFL](https://holderbook.com/stocks/AFL/) | $932.0K | 7,949 | 0.3% | 14 |
| ALPHABET INC | [GOOGL](https://holderbook.com/stocks/GOOGL/) | $929.7K | 2,601 | 0.3% | 14 |
| WALMART INC | [WMT](https://holderbook.com/stocks/WMT/) | $882.9K | 7,795 | 0.3% | 14 |
| OLD REP INTL CORP | [ORI](https://holderbook.com/stocks/ORI/) | $862.0K | 21,064 | 0.3% | 14 |
| CISCO SYS INC | [CSCO](https://holderbook.com/stocks/CSCO/) | $861.2K | 7,332 | 0.3% | 14 |
| SCHWAB STRATEGIC TR | [SCHG](https://holderbook.com/stocks/SCHG/) | $856.8K | 25,318 | 0.3% | 14 |
| VANGUARD INDEX FDS | [VTI](https://holderbook.com/stocks/VTI/) | $810.0K | 2,189 | 0.3% | 14 |
| CHEVRON CORPORATION | [CVX](https://holderbook.com/stocks/CVX/) | $792.8K | 4,783 | 0.3% | 14 |
| EXXON MOBIL CORP | [XOMXXXX](https://holderbook.com/stocks/XOMXXXX/) | $789.5K | 5,774 | 0.3% | 14 |
| ISHARES TR | [IWP](https://holderbook.com/stocks/IWP/) | $761.3K | 5,200 | 0.3% | 14 |
| J P MORGAN EXCHANGE TRADED F | [JMST](https://holderbook.com/stocks/JMST/) | $758.4K | 14,870 | 0.3% | 12 |
| ISHARES TR | [IJH](https://holderbook.com/stocks/IJH/) | $754.4K | 9,783 | 0.3% | 14 |
| BANK NOVA SCOTIA B C | [BNS](https://holderbook.com/stocks/BNS/) | $740.7K | 8,530 | 0.3% | 14 |
| JOHNSON & JOHNSON | [JNJ](https://holderbook.com/stocks/JNJ/) | $712.9K | 2,807 | 0.3% | 14 |
| SUNCOR ENERGY INC NEW | [SU](https://holderbook.com/stocks/SU/) | $710.5K | 13,235 | 0.3% | 12 |
| COSTCO WHOLESALE CORPORATION | [COST](https://holderbook.com/stocks/COST/) | $707.2K | 756 | 0.3% | 14 |
| SCHWAB STRATEGIC TR | [SCHM](https://holderbook.com/stocks/SCHM/) | $700.9K | 19,011 | 0.3% | 14 |
| STATE STR SPDR S&P 500 ETF T | [SPY](https://holderbook.com/stocks/SPY/) | $681.1K | 912 | 0.2% | 14 |
| ELEVANCE HEALTH INC FORMERLY | [ELV](https://holderbook.com/stocks/ELV/) | $635.8K | 1,644 | 0.2% | 8 |
| SELECT SECTOR SPDR TR | [XLK](https://holderbook.com/stocks/XLK/) | $618.4K | 3,246 | 0.2% | 14 |
| INGREDION INC | [INGR](https://holderbook.com/stocks/INGR/) | $602.1K | 6,357 | 0.2% | 14 |
| TOWER SEMICONDUCTOR LTD | [TSEM](https://holderbook.com/stocks/TSEM/) | $585.1K | 2,245 | 0.2% | 3 |
| EAGLE MATLS INC | [EXP](https://holderbook.com/stocks/EXP/) | $576.7K | 2,563 | 0.2% | 14 |
| VISA INC | [V](https://holderbook.com/stocks/V/) | $570.1K | 1,662 | 0.2% | 14 |
| ISHARES TR | [IWB](https://holderbook.com/stocks/IWB/) | $560.2K | 1,368 | 0.2% | 14 |
| APPLIED MATLS INC | [AMAT](https://holderbook.com/stocks/AMAT/) | $548.0K | 758 | 0.2% | 3 |
| SCHWAB STRATEGIC TR | [SCHA](https://holderbook.com/stocks/SCHA/) | $531.3K | 14,706 | 0.2% | 14 |
| ELI LILLY & CO | [LLY](https://holderbook.com/stocks/LLY/) | $524.3K | 437 | 0.2% | 14 |
| CANADIAN NATL RY CO | [CNI](https://holderbook.com/stocks/CNI/) | $513.0K | 4,302 | 0.2% | 14 |
| TRAVELERS COMPANIES INC | [TRV](https://holderbook.com/stocks/TRV/) | $507.2K | 1,536 | 0.2% | 10 |
| DEERE & CO | [DE](https://holderbook.com/stocks/DE/) | $498.8K | 786 | 0.2% | 14 |
| CANADIAN NAT RES LTD MED TER | [CNQ](https://holderbook.com/stocks/CNQ/) | $496.4K | 12,567 | 0.2% | 14 |
| INVESCO QQQ TR | [QQQ](https://holderbook.com/stocks/QQQ/) | $481.6K | 654 | 0.2% | 14 |
| ISHARES TR | [ACWI](https://holderbook.com/stocks/ACWI/) | $455.7K | 2,903 | 0.2% | 14 |
| LADDER CAP CORP | [LADR](https://holderbook.com/stocks/LADR/) | $455.3K | 45,757 | 0.2% | 14 |
| GATX CORP | [GATX](https://holderbook.com/stocks/GATX/) | $448.3K | 2,530 | 0.2% | 14 |
| STATE STR SPDR S&P MIDCAP 40 | [MDY](https://holderbook.com/stocks/MDY/) | $431.1K | 613 | 0.2% | 14 |
| PROCTER & GAMBLE CO | [PG](https://holderbook.com/stocks/PG/) | $424.8K | 2,897 | 0.2% | 14 |
| ISHARES TR | [IBHI](https://holderbook.com/stocks/IBHI/) | $419.8K | 17,947 | 0.2% | 2 |
| NOVA LTD | [NVMI](https://holderbook.com/stocks/NVMI/) | $411.0K | 757 | 0.1% | 5 |
| AMERICAN EXPRESS CO | [AXP](https://holderbook.com/stocks/AXP/) | $409.3K | 1,210 | 0.1% | 14 |
| BERKSHIRE HATHAWAY INC DEL | [BRKB](https://holderbook.com/stocks/BRKB/) | $398.3K | 796 | 0.1% | 14 |
| BROADCOM INC | [AVGO](https://holderbook.com/stocks/AVGO/) | $395.2K | 1,046 | 0.1% | 7 |
| VANGUARD INDEX FDS | [VXF](https://holderbook.com/stocks/VXF/) | $390.1K | 1,584 | 0.1% | 11 |
| ISHARES TR | [ITOT](https://holderbook.com/stocks/ITOT/) | $388.8K | 2,367 | 0.1% | 14 |
| STRYKER CORPORATION | [SYK](https://holderbook.com/stocks/SYK/) | $387.3K | 1,230 | 0.1% | 1 |
| PEPSICO INC | [PEP](https://holderbook.com/stocks/PEP/) | $385.8K | 2,849 | 0.1% | 14 |
| PHILLIPS 66 | [PSX](https://holderbook.com/stocks/PSX/) | $381.0K | 2,254 | 0.1% | 14 |
| PROGRESSIVE CORP | [PGR](https://holderbook.com/stocks/PGR/) | $379.9K | 1,739 | 0.1% | 14 |
| SPDR GOLD TR | [GLD](https://holderbook.com/stocks/GLD/) | $358.4K | 973 | 0.1% | 5 |
| BLACK HILLS CORP | [BKH](https://holderbook.com/stocks/BKH/) | $353.7K | 4,754 | 0.1% | 11 |
| CATERPILLAR INC | [CAT](https://holderbook.com/stocks/CAT/) | $350.4K | 329 | 0.1% | 4 |
| ROCKWELL AUTOMATION INC | [ROK](https://holderbook.com/stocks/ROK/) | $343.1K | 693 | 0.1% | 5 |
| DOLLAR GEN CORP | [DG](https://holderbook.com/stocks/DG/) | $340.6K | 2,959 | 0.1% | 6 |
| NUTRIEN LTD | [NTR](https://holderbook.com/stocks/NTR/) | $330.8K | 5,255 | 0.1% | 14 |
| CAPITAL ONE FINL CORP | [COF](https://holderbook.com/stocks/COF/) | $321.0K | 1,600 | 0.1% | 11 |

## 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 | +8.9% | +14.8% | -5.9% | 100% |
| Q1 2026 | -0.7% | -4.6% | +4.0% | 100% |
| Q4 2025 | +1.2% | +2.4% | -1.2% | 95% |
| Q3 2025 | +5.3% | +7.8% | -2.5% | 95% |
| Q2 2025 | +5.8% | +10.5% | -4.7% | 94% |
| Q1 2025 | -2.3% | -4.6% | +2.2% | 94% |
| Q4 2024 | -0.6% | +2.1% | -2.8% | 94% |
| Q3 2024 | +6.2% | +5.4% | +0.7% | 94% |

## Quarter by quarter

| Quarter | Value | Positions |
|---|---|---|
| Q2 2026 | $278.7M | 128 |
| Q1 2026 | $252.4M | 122 |
| Q4 2025 | $254.0M | 121 |
| Q3 2025 | $267.3M | 120 |
| Q2 2025 | $248.8M | 116 |
| Q1 2025 | $228.3M | 115 |
| Q4 2024 | $228.0M | 110 |
| Q3 2024 | $229.7M | 116 |
| Q2 2024 | $216.2M | 116 |
| Q1 2024 | $210.3M | 115 |
| Q4 2023 | $189.0M | 115 |
| Q3 2023 | $167.9M | 107 |