# Prepared Retirement Institute LLC

> Institutional holdings reported to the SEC as of Q2 2026 on Form 13F. CIK 2056037. Source: https://holderbook.com/funds/2056037-prepared-retirement-institute-llc/

- Reported value: $234.9M
- Positions: 94
- Weight of the ten largest: 61.3%
- Filed: 2026-08-10

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 |
|---|---|---|---|---|---|
| VANGUARD SPECIALIZED FUNDS | [VIG](https://holderbook.com/stocks/VIG/) | $28.3M | 119,642 | 12.1% | 11 |
| SCHWAB STRATEGIC TR | [SCHD](https://holderbook.com/stocks/SCHD/) | $18.0M | 569,163 | 7.7% | 11 |
| FIDELITY COVINGTON TRUST | [FELG](https://holderbook.com/stocks/FELG/) | $16.8M | 384,328 | 7.2% | 6 |
| VANGUARD INDEX FDS | [VTI](https://holderbook.com/stocks/VTI/) | $16.6M | 44,970 | 7.1% | 11 |
| WISDOMTREE TR | [IHDG](https://holderbook.com/stocks/IHDG/) | $13.8M | 263,132 | 5.9% | 11 |
| ISHARES TR | [CMBS](https://holderbook.com/stocks/CMBS/) | $12.7M | 261,927 | 5.4% | 6 |
| SPDR SERIES TRUST | [SPYG](https://holderbook.com/stocks/SPYG/) | $10.5M | 88,035 | 4.5% | 11 |
| VANGUARD SCOTTSDALE FDS | [VCIT](https://holderbook.com/stocks/VCIT/) | $10.2M | 123,736 | 4.4% | 9 |
| VANGUARD BD INDEX FDS | [BND](https://holderbook.com/stocks/BND/) | $8.6M | 117,220 | 3.7% | 11 |
| FRANKLIN TEMPLETON ETF TR | [DIVI](https://holderbook.com/stocks/DIVI/) | $8.4M | 196,385 | 3.6% | 9 |
| VANGUARD INDEX FDS | [VB](https://holderbook.com/stocks/VB/) | $8.2M | 27,121 | 3.5% | 11 |
| ISHARES TR | [FALN](https://holderbook.com/stocks/FALN/) | $7.3M | 268,819 | 3.1% | 11 |
| VANGUARD INDEX FDS | [VOO](https://holderbook.com/stocks/VOO/) | $6.2M | 9,097 | 2.7% | 11 |
| ISHARES TR | [SHY](https://holderbook.com/stocks/SHY/) | $4.4M | 53,235 | 1.9% | 11 |
| ISHARES TR | [DIVB](https://holderbook.com/stocks/DIVB/) | $4.2M | 68,554 | 1.8% | 9 |
| ISHARES TR | [IAGG](https://holderbook.com/stocks/IAGG/) | $2.9M | 56,895 | 1.2% | 9 |
| MICROSOFT CORP | [MSFT](https://holderbook.com/stocks/MSFT/) | $2.7M | 7,149 | 1.1% | 11 |
| AMERICAN CENTY ETF TR | [AVLV](https://holderbook.com/stocks/AVLV/) | $2.5M | 27,674 | 1.1% | 1 |
| ISHARES TR | [IDEV](https://holderbook.com/stocks/IDEV/) | $2.1M | 23,779 | 0.9% | 1 |
| ISHARES TR | [SVAL](https://holderbook.com/stocks/SVAL/) | $2.0M | 48,177 | 0.9% | 9 |
| FRANKLIN TEMPLETON ETF TR | [UDIV](https://holderbook.com/stocks/UDIV/) | $1.9M | 32,291 | 0.8% | 6 |
| VANGUARD INDEX FDS | [VUG](https://holderbook.com/stocks/VUG/) | $1.9M | 22,427 | 0.8% | 11 |
| ISHARES TR | [SMMD](https://holderbook.com/stocks/SMMD/) | $1.9M | 20,344 | 0.8% | 1 |
| APPLE INC | [AAPL](https://holderbook.com/stocks/AAPL/) | $1.8M | 6,343 | 0.8% | 11 |
| ISHARES TR | [ITA](https://holderbook.com/stocks/ITA/) | $1.8M | 7,528 | 0.8% | 7 |
| TRUST FOR PROFESSIONAL MANAG | [CUSD](https://holderbook.com/stocks/CUSD/) | $1.8M | 91,765 | 0.8% | 11 |
| GLOBAL X FDS | [PFFD](https://holderbook.com/stocks/PFFD/) | $1.7M | 89,174 | 0.7% | 11 |
| ISHARES TR | [DVY](https://holderbook.com/stocks/DVY/) | $1.6M | 9,995 | 0.7% | 4 |
| ABBVIE INC | [ABBV](https://holderbook.com/stocks/ABBV/) | $1.5M | 5,962 | 0.6% | 11 |
| EXXON MOBIL CORP | [XOMXXXX](https://holderbook.com/stocks/XOMXXXX/) | $1.3M | 9,279 | 0.5% | 11 |
| STATE STR SPDR S&P 500 ETF T | [SPY](https://holderbook.com/stocks/SPY/) | $1.1M | 1,462 | 0.5% | 11 |
| FIRST TR EXCHANGE TRADED FD | [CIBR](https://holderbook.com/stocks/CIBR/) | $1.1M | 12,130 | 0.5% | 8 |
| NVIDIA CORPORATION | [NVDA](https://holderbook.com/stocks/NVDA/) | $1.1M | 5,373 | 0.5% | 11 |
| FIRST TR EXCHANGE-TRADED FD | [RDVY](https://holderbook.com/stocks/RDVY/) | $1.0M | 12,852 | 0.4% | 6 |
| ISHARES TR | [IVV](https://holderbook.com/stocks/IVV/) | $1.0M | 1,384 | 0.4% | 11 |
| AMERICAN CENTY ETF TR | [AVEM](https://holderbook.com/stocks/AVEM/) | $998.6K | 10,350 | 0.4% | 1 |
| MERCK & CO INC | [MRK](https://holderbook.com/stocks/MRK/) | $996.3K | 7,753 | 0.4% | 11 |
| TE CONNECTIVITY PLC | [TEL](https://holderbook.com/stocks/TEL/) | $985.1K | 4,886 | 0.4% | 8 |
| ISHARES TR | [USIG](https://holderbook.com/stocks/USIG/) | $846.3K | 16,500 | 0.4% | 1 |
| VANGUARD SCOTTSDALE FDS | [VCSH](https://holderbook.com/stocks/VCSH/) | $836.0K | 10,578 | 0.4% | 9 |
| INVESCO EXCHANGE TRADED FD T | [RSP](https://holderbook.com/stocks/RSP/) | $830.4K | 3,903 | 0.4% | 11 |
| SELECT SECTOR SPDR TR | [XLF](https://holderbook.com/stocks/XLF/) | $756.2K | 14,106 | 0.3% | 7 |
| ALLSTATE CORP | [ALL](https://holderbook.com/stocks/ALL/) | $677.4K | 2,847 | 0.3% | 11 |
| JOHNSON & JOHNSON | [JNJ](https://holderbook.com/stocks/JNJ/) | $670.7K | 2,641 | 0.3% | 11 |
| SCHWAB STRATEGIC TR | [SCHB](https://holderbook.com/stocks/SCHB/) | $631.2K | 21,795 | 0.3% | 11 |
| VANGUARD STAR FDS | [VXUS](https://holderbook.com/stocks/VXUS/) | $625.9K | 7,322 | 0.3% | 9 |
| ALPHABET INC | [GOOG](https://holderbook.com/stocks/GOOG/) | $596.9K | 1,689 | 0.3% | 11 |
| ISHARES TR | [DGRO](https://holderbook.com/stocks/DGRO/) | $587.5K | 7,752 | 0.3% | 11 |
| JPMORGAN CHASE & CO | [JPM](https://holderbook.com/stocks/JPM/) | $541.7K | 1,655 | 0.2% | 11 |
| TESLA INC | [TSLA](https://holderbook.com/stocks/TSLA/) | $531.2K | 1,263 | 0.2% | 8 |
| SPDR GOLD TR | [GLD](https://holderbook.com/stocks/GLD/) | $489.2K | 1,328 | 0.2% | 6 |
| VANGUARD INTL EQUITY INDEX F | [VGK](https://holderbook.com/stocks/VGK/) | $484.8K | 5,476 | 0.2% | 6 |
| PACER FDS TR | [COWZ](https://holderbook.com/stocks/COWZ/) | $483.6K | 7,775 | 0.2% | 6 |
| FIDELITY COVINGTON TRUST | [FVAL](https://holderbook.com/stocks/FVAL/) | $479.8K | 6,157 | 0.2% | 11 |
| AMAZON COM INC | [AMZN](https://holderbook.com/stocks/AMZN/) | $461.4K | 1,936 | 0.2% | 11 |
| META PLATFORMS INC | [META](https://holderbook.com/stocks/META/) | $460.9K | 818 | 0.2% | 11 |
| VANGUARD INDEX FDS | [VO](https://holderbook.com/stocks/VO/) | $440.0K | 5,462 | 0.2% | 11 |
| ALPS ETF TR | [AMLP](https://holderbook.com/stocks/AMLP/) | $436.2K | 8,413 | 0.2% | 11 |
| ALPHABET INC | [GOOGL](https://holderbook.com/stocks/GOOGL/) | $429.6K | 1,202 | 0.2% | 4 |
| ABBOTT LABORATORIES | [ABT](https://holderbook.com/stocks/ABT/) | $428.1K | 4,718 | 0.2% | 11 |
| WISDOMTREE TR | [DES](https://holderbook.com/stocks/DES/) | $422.3K | 10,382 | 0.2% | 11 |
| ISHARES SILVER TR | [SLV](https://holderbook.com/stocks/SLV/) | $419.7K | 7,850 | 0.2% | 4 |
| MORGAN STANLEY | [MS](https://holderbook.com/stocks/MS/) | $417.5K | 1,997 | 0.2% | 11 |
| CAPITAL GROUP CORE BALANCED | [CGBL](https://holderbook.com/stocks/CGBL/) | $383.4K | 10,101 | 0.2% | 6 |
| VANGUARD SCOTTSDALE FDS | [VGIT](https://holderbook.com/stocks/VGIT/) | $368.9K | 6,254 | 0.2% | 1 |
| CAPITAL ONE FINL CORP | [COF](https://holderbook.com/stocks/COF/) | $358.1K | 1,785 | 0.2% | 5 |
| CARDINAL HEALTH INC | [CAH](https://holderbook.com/stocks/CAH/) | $347.7K | 1,464 | 0.1% | 11 |
| SCHWAB STRATEGIC TR | [SCHH](https://holderbook.com/stocks/SCHH/) | $347.2K | 14,664 | 0.1% | 1 |
| MICRON TECHNOLOGY INC | [MU](https://holderbook.com/stocks/MU/) | $346.3K | 300 | 0.1% | 1 |
| VANGUARD INDEX FDS | [VXF](https://holderbook.com/stocks/VXF/) | $342.5K | 1,391 | 0.1% | 9 |
| VANGUARD BD INDEX FDS | [VUSB](https://holderbook.com/stocks/VUSB/) | $330.2K | 6,634 | 0.1% | 6 |
| ISHARES TR | [IDV](https://holderbook.com/stocks/IDV/) | $317.3K | 7,658 | 0.1% | 5 |
| PPL CORP | [PPL](https://holderbook.com/stocks/PPL/) | $308.6K | 8,488 | 0.1% | 11 |
| BERKSHIRE HATHAWAY INC DEL | [BRKB](https://holderbook.com/stocks/BRKB/) | $306.7K | 613 | 0.1% | 9 |
| SCHWAB STRATEGIC TR | [SCHG](https://holderbook.com/stocks/SCHG/) | $306.4K | 9,055 | 0.1% | 5 |
| ABRDN PRECIOUS METALS BASKET | [GLTR](https://holderbook.com/stocks/GLTR/) | $291.8K | 1,611 | 0.1% | 1 |
| INTERNATIONAL BUSINESS MACHS | [IBM](https://holderbook.com/stocks/IBM/) | $282.5K | 1,005 | 0.1% | 11 |
| WISDOMTREE TR | [DGRW](https://holderbook.com/stocks/DGRW/) | $276.9K | 2,896 | 0.1% | 6 |
| ASML HLDG NV | [ASML](https://holderbook.com/stocks/ASML/) | $272.6K | 137 | 0.1% | 1 |
| FIRST TR EXCHANGE TRADED FD | [NXTG](https://holderbook.com/stocks/NXTG/) | $269.3K | 1,756 | 0.1% | 1 |
| WALMART INC | [WMT](https://holderbook.com/stocks/WMT/) | $262.8K | 2,320 | 0.1% | 11 |
| CHEVRON CORPORATION | [CVX](https://holderbook.com/stocks/CVX/) | $257.2K | 1,552 | 0.1% | 2 |
| ADVANCED MICRO DEVICES INC | [AMD](https://holderbook.com/stocks/AMD/) | $252.7K | 435 | 0.1% | 1 |
| VANGUARD SCOTTSDALE FDS | [VONG](https://holderbook.com/stocks/VONG/) | $251.8K | 1,970 | 0.1% | 1 |
| FIDELITY COVINGTON TRUST | [FDHY](https://holderbook.com/stocks/FDHY/) | $249.0K | 5,078 | 0.1% | 11 |
| INTEL CORP | [INTC](https://holderbook.com/stocks/INTC/) | $248.1K | 1,777 | 0.1% | 1 |
| GENERAL DYNAMICS CORP | [GD](https://holderbook.com/stocks/GD/) | $248.0K | 700 | 0.1% | 11 |
| CONSTELLATION ENERGY CORP | [CEG](https://holderbook.com/stocks/CEG/) | $246.7K | 993 | 0.1% | 5 |
| STRATEGY INC | [MSTR](https://holderbook.com/stocks/MSTR/) | $243.3K | 2,799 | 0.1% | 2 |
| MCDONALDS CORP | [MCD](https://holderbook.com/stocks/MCD/) | $235.3K | 870 | 0.1% | 11 |
| STATE STR SPDR DOW JONES IND | [DIA](https://holderbook.com/stocks/DIA/) | $224.6K | 430 | 0.1% | 1 |
| ISHARES TR | [IWF](https://holderbook.com/stocks/IWF/) | $222.5K | 1,792 | 0.1% | 1 |
| INVESCO QQQ TR | [QQQ](https://holderbook.com/stocks/QQQ/) | $210.2K | 285 | 0.1% | 1 |
| ISHARES TR | [FLOT](https://holderbook.com/stocks/FLOT/) | $204.2K | 3,999 | 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 | +7.7% | +14.8% | -7.1% | 100% |
| Q1 2026 | -1.7% | -4.6% | +3.0% | 100% |
| Q4 2025 | +1.2% | +2.4% | -1.1% | 100% |
| Q3 2025 | +5.4% | +7.8% | -2.4% | 100% |
| Q2 2025 | +5.6% | +10.5% | -4.9% | 100% |
| Q1 2025 | -1.5% | -4.6% | +3.1% | 100% |
| Q4 2024 | -1.1% | +2.1% | -3.3% | 100% |
| Q3 2024 | +5.1% | +5.4% | -0.3% | 100% |

## Quarter by quarter

| Quarter | Value | Positions |
|---|---|---|
| Q2 2026 | $234.9M | 94 |
| Q1 2026 | $201.5M | 79 |
| Q4 2025 | $198.7M | 80 |
| Q3 2025 | $191.8M | 84 |
| Q2 2025 | $169.7M | 86 |
| Q1 2025 | $156.7M | 85 |
| Q4 2024 | $175.2M | 79 |
| Q3 2024 | $165.2M | 80 |
| Q2 2024 | $150.9M | 81 |
| Q1 2024 | $134.0M | 70 |
| Q4 2023 | $133.5M | 75 |