# ZynergyRetirementPlanningLLC

> Institutional holdings reported to the SEC as of Q3 2026 on Form 13F. CIK 2031137. Source: https://holderbook.com/funds/2031137-zynergyretirementplanningllc/

- Reported value: $187.3M
- Positions: 25
- Weight of the ten largest: 95.4%
- Filed: 2026-10-08

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 |
|---|---|---|---|---|---|
| ISHARES TR | [IVV](https://holderbook.com/stocks/IVV/) | $44.5M | 58,112 | 23.8% | 10 |
| SCHWAB STRATEGIC TR | [SCHZ](https://holderbook.com/stocks/SCHZ/) | $38.6M | 1,748,706 | 20.6% | 10 |
| SCHWAB STRATEGIC TR | [SCHF](https://holderbook.com/stocks/SCHF/) | $27.2M | 990,229 | 14.5% | 10 |
| SCHWAB STRATEGIC TR | [SCHH](https://holderbook.com/stocks/SCHH/) | $19.0M | 859,959 | 10.1% | 10 |
| SCHWAB STRATEGIC TR | [SCHA](https://holderbook.com/stocks/SCHA/) | $18.6M | 569,965 | 9.9% | 10 |
| SCHWAB STRATEGIC TR | [SCHP](https://holderbook.com/stocks/SCHP/) | $17.0M | 677,791 | 9.1% | 10 |
| SCHWAB STRATEGIC TR | [SCHO](https://holderbook.com/stocks/SCHO/) | $4.4M | 185,546 | 2.4% | 10 |
| SCHWAB STRATEGIC TR | [SCHE](https://holderbook.com/stocks/SCHE/) | $4.2M | 115,569 | 2.2% | 10 |
| SCHWAB STRATEGIC TR | [SCHV](https://holderbook.com/stocks/SCHV/) | $3.2M | 96,985 | 1.7% | 10 |
| NVIDIA CORPORATION | [NVDA](https://holderbook.com/stocks/NVDA/) | $1.8M | 7,737 | 0.9% | 10 |
| APPLE INC | [AAPL](https://holderbook.com/stocks/AAPL/) | $1.6M | 4,703 | 0.8% | 10 |
| INVESCO QQQ TR | [QQQ](https://holderbook.com/stocks/QQQ/) | $1.1M | 1,438 | 0.6% | 10 |
| SCHWAB STRATEGIC TR | [SCHC](https://holderbook.com/stocks/SCHC/) | $1.0M | 20,206 | 0.5% | 10 |
| VANGUARD WORLD FD | [VFH](https://holderbook.com/stocks/VFH/) | $631.7K | 4,856 | 0.3% | 10 |
| VANGUARD INDEX FDS | [VTV](https://holderbook.com/stocks/VTV/) | $571.1K | 2,643 | 0.3% | 10 |
| VANGUARD INTL EQUITY INDEX F | [VEU](https://holderbook.com/stocks/VEU/) | $568.7K | 6,854 | 0.3% | 10 |
| SCHWAB STRATEGIC TR | [SCHG](https://holderbook.com/stocks/SCHG/) | $540.0K | 15,028 | 0.3% | 10 |
| SCHWAB STRATEGIC TR | [SCHD](https://holderbook.com/stocks/SCHD/) | $448.2K | 13,779 | 0.2% | 10 |
| HOME DEPOT INC | [HD](https://holderbook.com/stocks/HD/) | $426.5K | 1,499 | 0.2% | 10 |
| SCHWAB STRATEGIC TR | [SCHB](https://holderbook.com/stocks/SCHB/) | $403.9K | 13,781 | 0.2% | 10 |
| VANGUARD INDEX FDS | [VB](https://holderbook.com/stocks/VB/) | $385.2K | 1,354 | 0.2% | 10 |
| SPDR GOLD TR | [GLD](https://holderbook.com/stocks/GLD/) | $325.6K | 855 | 0.2% | 10 |
| VANGUARD WHITEHALL FDS | [VYM](https://holderbook.com/stocks/VYM/) | $261.5K | 1,685 | 0.1% | 10 |
| VANGUARD WORLD FD | [VPU](https://holderbook.com/stocks/VPU/) | $248.3K | 1,452 | 0.1% | 10 |
| NEW JERSEY RES CORP | [NJR](https://holderbook.com/stocks/NJR/) | $231.8K | 4,581 | 0.1% | 5 |

## 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 | +9.6% | +14.8% | -5.3% | 100% |
| Q1 2026 | -0.3% | -4.6% | +4.3% | 100% |
| Q4 2025 | +0.8% | +2.4% | -1.6% | 100% |
| Q3 2025 | +4.9% | +7.8% | -2.9% | 100% |
| Q2 2025 | +5.2% | +10.5% | -5.3% | 100% |
| Q1 2025 | -0.7% | -4.6% | +3.8% | 68% |
| Q4 2024 | -3.3% | +2.1% | -5.4% | 100% |
| Q3 2024 | +6.8% | +5.4% | +1.4% | 100% |

## Quarter by quarter

| Quarter | Value | Positions |
|---|---|---|
| Q3 2026 | $187.3M | 25 |
| Q2 2026 | $184.4M | 26 |
| Q1 2026 | $165.4M | 26 |
| Q4 2025 | $162.5M | 26 |
| Q3 2025 | $158.6M | 28 |
| Q2 2025 | $149.1M | 25 |
| Q1 2025 | $141.0M | 115 |
| Q4 2024 | $141.9M | 111 |
| Q3 2024 | $141.9M | 111 |
| Q2 2024 | $130.6M | 125 |