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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
ADBE icon
151
Adobe
ADBE
$105B
– –
-1,605
Closed -$566K
BMAY icon
152
Innovator US Equity Buffer ETF May
BMAY
$228M
– –
-5,085
Closed -$223K
BSCQ icon
153
Invesco BulletShares 2026 Corporate Bond ETF
BSCQ
$3.66B
– –
-10,801
Closed -$211K
BSCR icon
154
Invesco BulletShares 2027 Corporate Bond ETF
BSCR
$4.58B
– –
-10,754
Closed -$212K
BSCS icon
155
Invesco BulletShares 2028 Corporate Bond ETF
BSCS
$3.56B
– –
-11,697
Closed -$241K
BSJQ icon
156
Invesco BulletShares 2026 High Yield Corporate Bond ETF
BSJQ
$899M
– –
-11,771
Closed -$276K
CAT icon
157
Caterpillar
CAT
$361B
– –
-1,740
Closed -$830K
CHWY icon
158
Chewy
CHWY
$9.54B
– –
-4,973
Closed -$201K
CORT icon
159
Corcept Therapeutics
CORT
$9.98B
– –
-2,946
Closed -$245K
CVX icon
160
Chevron
CVX
$382B
– –
-5,154
Closed -$800K
CXT icon
161
Crane NXT
CXT
$2.99B
– –
-3,467
Closed -$233K
DHI icon
162
D.R. Horton
DHI
$41.2B
– –
-5,208
Closed -$883K
DKS icon
163
Dick's Sporting Goods
DKS
$18.4B
– –
-958
Closed -$213K
DMAY icon
164
FT Vest US Equity Deep Buffer ETF May
DMAY
$370M
– –
-4,989
Closed -$221K
DOCS icon
165
Doximity
DOCS
$3.89B
– –
-2,855
Closed -$209K
ELV icon
166
Elevance Health
ELV
$81.5B
– –
-1,984
Closed -$641K
FTCS icon
167
First Trust Capital Strength ETF
FTCS
$8.05B
– –
-2,137
Closed -$200K
GD icon
168
General Dynamics
GD
$103B
– –
-2,546
Closed -$868K
HRL icon
169
Hormel Foods
HRL
$14.2B
– –
-18,666
Closed -$462K
K
170
DELISTED
Kellanova
K
– –
-13,399
Closed -$1.1M
KTB icon
171
Kontoor Brands
KTB
$4.71B
– –
-2,860
Closed -$228K
MGY icon
172
Magnolia Oil & Gas
MGY
$5.93B
– –
-8,508
Closed -$203K
MO icon
173
Altria Group
MO
$125B
– –
-13,780
Closed -$904K
QCOM icon
174
Qualcomm
QCOM
$164B
– –
-4,723
Closed -$780K
STRL icon
175
Sterling Infrastructure
STRL
$15.2B
– –
-621
Closed -$211K
4 5 6
7
8

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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.