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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
JPST icon
1
JPMorgan Ultra-Short Income ETF
JPST
$40B
$9.02M 4.11%
178,301
+15,462
+9% +$783K
HEGD icon
2
Swan Hedged Equity US Large Cap ETF
HEGD
$704M
$7.53M 3.43%
298,681
-9,365
-3% -$236K
QQQ icon
3
Invesco QQQ Trust
QQQ
$450B
$5.53M 2.52%
9,003
-740
-8% -$454K
SCHG icon
4
Schwab US Large-Cap Growth ETF
SCHG
$58.6B
$5.27M 2.4%
161,628
-427,088
-73% -$13.9M
AAPL icon
5
Apple
AAPL
$4.89T
$4.88M 2.22%
17,932
-1,035
-5% -$278K
SPY icon
6
State Street SPDR S&P 500 ETF Trust
SPY
$781B
$4.64M 2.12%
6,804
-353
-5% -$239K
JEPI icon
7
JPMorgan Equity Premium Income ETF
JEPI
$45.3B
$4.3M 1.96%
75,174
+1,853
+3% +$106K
VO icon
8
Vanguard Mid-Cap ETF
VO
$106B
$4.18M 1.91%
57,636
+2,336
+4% +$170K
VIGI icon
9
Vanguard International Dividend Appreciation ETF
VIGI
$8.89B
$3.93M 1.79%
43,021
+336
+0.8% +$30.4K
AVEM icon
10
Avantis Emerging Markets Equity ETF
AVEM
$24.9B
$3.88M 1.77%
50,341
-452
-0.9% -$34.6K
JEPQ icon
11
JPMorgan Nasdaq Equity Premium Income ETF
JEPQ
$39.1B
$3.69M 1.68%
63,499
+6,575
+12% +$382K
AAAU icon
12
Goldman Sachs Physical Gold ETF Shares
AAAU
$2.46B
$3.51M 1.6%
82,560
-119,282
-59% -$4.89M
KO icon
13
Coca-Cola
KO
$354B
$3.43M 1.56%
49,056
+14,130
+40% +$985K
JNJ icon
14
Johnson & Johnson
JNJ
$635B
$3.38M 1.54%
16,335
+2,079
+15% +$411K
HELO icon
15
JPMorgan Hedged Equity Laddered Overlay ETF
HELO
$4.14B
$3.38M 1.54%
50,881
-1,520
-3% -$99.8K
KNG icon
16
FT Vest S&P 500 Dividend Aristocrats Target Income ETF
KNG
$3.4B
$3.09M 1.41%
62,912
+1,156
+2% +$56.7K
VXUS icon
17
Vanguard Total International Stock ETF
VXUS
$153B
$3.08M 1.41%
40,847
-1,439
-3% -$107K
FVD icon
18
First Trust Value Line Dividend Fund
FVD
$8.29B
$3.06M 1.4%
66,471
+910
+1% +$41.8K
COR icon
19
Cencora
COR
$60.3B
$3M 1.37%
8,871
+817
+10% +$279K
NVDA icon
20
NVIDIA
NVDA
$5.01T
$2.77M 1.27%
14,876
-2,435
-14% -$453K
GOOG icon
21
Alphabet (Google) Class C
GOOG
$3.9T
$2.7M 1.23%
8,597
-2,755
-24% -$789K
AMZN icon
22
Amazon
AMZN
$2.5T
$2.5M 1.14%
10,849
-137
-1% -$31.3K
XLP icon
23
State Street Consumer Staples Select Sector SPDR ETF
XLP
$14.2B
$2.3M 1.05%
29,564
-1,095
-4% -$85.5K
LLY icon
24
Eli Lilly
LLY
$1.07T
$2.28M 1.04%
2,120
-393
-16% -$376K
MSFT icon
25
Microsoft
MSFT
$2.84T
$2.25M 1.03%
4,651
+40
+0.9% +$20K
1
2 3 4 5

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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.