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RGF

Retirement Guys Formula Portfolio holdings

AUM $217M
1-Year Est. Return 19.54%
This Fund
S&P 500
This Quarter Est. Return
+1.09%
1 Year Est. Return
+19.54%
3 Year Est. Return
+57.64%
5 Year Est. Return
–
10 Year Est. Return
–
AUM
$219M
AUM Growth
-$64.9M
Cap. Flow
-$66.8M
Cap. Flow %
-30.46%
Top 10 Hldgs %
24.24%
Holding
180
New
11
Increased
63
Reduced
69
Closed
30

Top Buys

Rank Stock Value
1
PDEC icon
Innovator US Equity Power Buffer ETF December
PDEC
+$1.71M
2
PG icon
Procter & Gamble
PG
+$992K
3
KO icon
Coca-Cola
KO
+$985K
4
T icon
AT&T
T
+$960K
5
JPST icon
JPMorgan Ultra-Short Income ETF
JPST
+$783K

Top Sells

Rank Stock Value
1
SCHG icon
Schwab US Large-Cap Growth ETF
SCHG
+$13.9M
2
PSFF icon
Pacer Swan SOS Fund of Funds ETF
PSFF
+$13.8M
3
SCHV
Schwab US Large-Cap Value ETF
SCHV
+$6.63M
4
VWO icon
Vanguard FTSE Emerging Markets ETF
VWO
+$5.5M
5
AAAU icon
Goldman Sachs Physical Gold ETF Shares
AAAU
+$4.89M

Sector Composition

Rank Sector Weight
1 Technology 11.75%
2 Healthcare 8.17%
3 Consumer Staples 7.41%
4 Communication Services 4.28%
5 Industrials 3.9%
Name Market Value Portfolio Weight Shares or Principal Change
in Stake 		Capital Flow
KOCT icon
101
Innovator US Small Cap Power Buffer ETF October
KOCT
$140M
$630K 0.29%
18,703
– –
VTI icon
102
Vanguard Morningstar Total Stock Market ETF
VTI
$646B
$538K 0.25%
1,606
+41
+3% +$13.6K
GAPR icon
103
FT Vest US Equity Moderate Buffer ETF April
GAPR
$288M
$525K 0.24%
13,120
-44,457
-77% -$1.76M
TSLA icon
104
Tesla
TSLA
$1.18T
$523K 0.24%
1,164
+150
+15% +$66.5K
SCHX icon
105
Schwab US Large- Cap ETF
SCHX
$70.3B
$510K 0.23%
18,942
+463
+3% +$12.4K
VEA icon
106
Vanguard FTSE Developed Markets ETF
VEA
$223B
$499K 0.23%
8,987
+39
+0.4% +$2.39K
SGOV icon
107
iShares 0-3 Month Treasury Bond ETF
SGOV
$99.4B
$479K 0.22%
4,775
-21,799
-82% -$2.19M
UJUL icon
108
Innovator US Equity Ultra Buffer ETF July
UJUL
$282M
$467K 0.21%
12,041
-38
-0.3% -$1.46K
SCHZ icon
109
Schwab US Aggregate Bond ETF
SCHZ
$10.5B
$463K 0.21%
19,798
+432
+2% +$10.1K
IBM icon
110
IBM
IBM
$213B
$453K 0.21%
1,554
+18
+1% +$5.39K
FGD icon
111
First Trust Dow Jones Global Select Dividend Index Fund
FGD
$1.54B
$366K 0.17%
12,094
+183
+2% +$5.41K
DTE icon
112
DTE Energy
DTE
$29.9B
$351K 0.16%
2,724
-4,329
-61% -$588K
MRK icon
113
Merck
MRK
$322B
$335K 0.15%
3,178
-7,228
-69% -$678K
PJUL icon
114
Innovator US Equity Power Buffer ETF July
PJUL
$1.22B
$333K 0.15%
7,163
– –
BRK.B icon
115
Berkshire Hathaway Class B
BRK.B
$1.1T
$300K 0.14%
597
+26
+5% +$12.9K
QYLD icon
116
Global X NASDAQ-100 Covered Call ETF
QYLD
$7.88B
$293K 0.13%
16,583
– –
XLE icon
117
State Street Energy Select Sector SPDR ETF
XLE
$39B
$277K 0.13%
5,577
-713
-11% -$31.8K
BSV icon
118
Vanguard Short-Term Bond ETF
BSV
$44.7B
$275K 0.13%
3,504
-47
-1% -$3.71K
COF icon
119
Capital One
COF
$128B
$272K 0.12%
+1,123
New +$250K
SLV icon
120
iShares Silver Trust
SLV
$27.7B
$271K 0.12%
+4,210
New +$211K
LMBS icon
121
First Trust Exchange-Traded Fund IV First Trust Low Duration Opportunities ETF
LMBS
$6.35B
$262K 0.12%
5,248
+11
+0.2% +$550
PAPR icon
122
Innovator US Equity Power Buffer ETF April
PAPR
$945M
$244K 0.11%
6,248
-2,716
-30% -$105K
MLI icon
123
Mueller Industries
MLI
$14.5B
$244K 0.11%
4,252
-344
-7% -$18.5K
UTHR icon
124
United Therapeutics
UTHR
$26.1B
$243K 0.11%
498
-112
-18% -$52.2K
ARKK icon
125
ARK Innovation ETF
ARKK
$5.59B
$242K 0.11%
3,143
-10,869
-78% -$900K
3 4
5
6 7

Similar funds

EG
Enstar Group Hamilton, Bermuda $217M AUM 12.3% 1-Year Est. Return
PPW
PACK Private Wealth Wayzata, Minnesota $218M AUM 19.98% 1-Year Est. Return
FAM
Fairtree Asset Management Bellville, Cape Town, South Africa $218M AUM 5.48% 1-Year Est. Return
CWM
Collaborative Wealth Management Lake Mary, Florida $218M AUM 14.42% 1-Year Est. Return
MCM
M1 Capital Management Bloomfield Hills, Michigan $217M AUM 21.38% 1-Year Est. Return
CS
Capital Square Chattanooga, Tennessee $217M AUM 13.95% 1-Year Est. Return
MWM
MOR Wealth Management Philadelphia, Pennsylvania $218M AUM
BFA
Bright Financial Advisors Portage, Michigan $218M AUM 17.53% 1-Year Est. Return

Retirement Guys Formula's Q4 2025 Portfolio in Review

As of Q4 2025, Retirement Guys Formula held 180 positions worth $219M, down 23% from $284M the previous quarter. Its ten largest holdings account for 24% of the portfolio.

Retirement Guys Formula withdrew a net $66.8M in Q4 2025, closing 30 positions and reducing 69 holdings. Its most notable exit was Vanguard FTSE Emerging Markets ETF, an estimated $5.5M position sold in full.

By sector, the portfolio is most concentrated in Technology at 12% of assets, up from 9.4% a quarter earlier, followed by Healthcare and Consumer Staples.

Against the trend, Retirement Guys Formula opened a new position in Innovator US Equity Power Buffer ETF December worth $1.74M.

  • Retirement Guys Formula's largest Q4 2025 buy was Innovator US Equity Power Buffer ETF December: 40,103 shares worth $1.74M.
  • Retirement Guys Formula added most to Procter & Gamble in Q4 2025, an estimated $992K increase.
  • Retirement Guys Formula's biggest Q4 2025 reduction was Schwab US Large-Cap Growth ETF, cutting an estimated $13.9M.
  • Retirement Guys Formula fully exited Vanguard FTSE Emerging Markets ETF in Q4 2025, selling an estimated $5.5M.
  • Retirement Guys Formula's ten largest holdings make up 24% of its $219M portfolio in Q4 2025.
  • Retirement Guys Formula opened 11 new positions and closed 30 in Q4 2025.
  • Retirement Guys Formula's portfolio value fell 23% quarter-over-quarter to $219M.

Based on Retirement Guys Formula's 13F filing for Q4 2025, filed 23 Jan 2026.