Managers / Q4 2024 · view latest →
ZynergyRetirementPlanningLLC
CIK 0002031137 · 10 ROUTE 35, 3RD FLOOR, RED BANK, NJ, 07701 · 7327842380
Summary
Zynergyretirementplanningllc reported $142M in U.S.-listed holdings across 111 positions for Q4 2024.
The portfolio is heavily concentrated: Ishares Tr alone accounts for 21.4% of reported value.
The book was largely unchanged from Q3 2024.
Portfolio Metrics
Methodology: turnover is min(value bought, value sold) ÷ average reported value across the two quarters — value-based, so market moves inflate it slightly versus a share-based measure. Concentration and largest position are shares of the filing’s total reported value, options excluded. New/exited counts compare against the prior filed quarter. All figures derive solely from the fund’s 13F filings.
Reported Value by Quarter
Portfolio Composition
- ETP · 97.5% · $138M
- Common Stock · 2.4% · $3M
- Closed-End Fund · 0.0% · $52,926
- Other · 0.0% · $29,667
- ADR · 0.0% · $5,565
- Other · 0.0% · $1,314
Quarter-over-Quarter Changes full breakdown →
vs Q3 2024 (amended baseline)
| Issuer | Move | Share Δ | Shares now | Value Δ | Value now |
|---|---|---|---|---|---|
| ISHARES TR | HELD | +0 | 121 | +$0 | $16,343 |
| COSTCOSTCO WHSL CORP NEW | HELD | +0 | 62 | +$0 | $54,964 |
| VANGUARD MUN BD FDS | HELD | +0 | 377 | +$0 | $19,272 |
| PNCPNC FINL SVCS GROUP INC | HELD | +0 | 607 | +$0 | $112,204 |
| SPROTT PHYSICAL GOLD & SILVE | HELD | +0 | 2.0K | +$0 | $48,980 |
| SCHWAB STRATEGIC TR | HELD | +0 | 53 | +$0 | $1,710 |
| RIVNRIVIAN AUTOMOTIVE INC | HELD | +0 | 7 | +$0 | $79 |
| CSCOCISCO SYS INC | HELD | +0 | 106 | +$0 | $5,641 |
Value changes conflate price moves with buying and selling — share changes are the real signal. Share counts are not split-adjusted.
Holdings — Q4 2024
| # | Issuer | Class | % Portfolio | Value ↓ | Shares |
|---|---|---|---|---|---|
| 1 | SCHWAB STRATEGIC TR | US AGGREGATE B · INTL EQTY ETF · US REIT ETF · US SML CAP ETF · US TIPS ETF · SHT TM US TRES · US LCAP VA ETF · EMRG MKTEQ ETF · INTL SCEQT ETF · US LCAP GR ETF · US DIVIDEND EQ · US BRD MKT ETF · LONG TERM US | 72.23% | $103M | 2.51M |
| 2 | ISHARES TR | CORE S&P500 ETF · US AER DEF ETF · HDG MSCI EAFE · RUS 1000 ETF · EAFE SML CP ETF | 21.60% | $31M | 56.0K |
| 3 | AAPLAPPLE INC | COM | 0.78% | $1M | 4.7K |
| 4 | VTVVANGUARD INDEX FDS | VALUE ETF · SMALL CP ETF · REAL ESTATE ETF | 0.71% | $1M | 6.2K |
| 5 | VPUVANGUARD WORLD FD | FINANCIALS ETF · UTILITIES ETF | 0.58% | $819,206 | 6.6K |
| 6 | VANGUARD INTL EQUITY INDEX F | ALLWRLD EX US · GLB EX US ETF | 0.51% | $723,660 | 12.9K |
| 7 | NDQINVESCO QQQ TR | UNIT SER 1 | 0.51% | $722,344 | 1.5K |
| 8 | HDHOME DEPOT INC | COM | 0.51% | $717,609 | 1.8K |
| 9 | SPDR SER TR | BLOOMBERG 3-12 M | 0.45% | $644,083 | 6.5K |
| 10 | GQ9SPDR GOLD TR | GOLD SHS | 0.36% | $513,586 | 2.1K |
| 11 | JPMJPMORGAN CHASE & CO. | COM | 0.18% | $250,713 | 1.2K |
| 12 | VANGUARD WHITEHALL FDS | HIGH DIV YLD | 0.17% | $245,631 | 1.9K |
| 13 | NJRNEW JERSEY RES CORP | COM | 0.14% | $200,501 | 4.2K |
| 14 | NVDANVIDIA CORPORATION | COM | 0.11% | $154,350 | 1.3K |
| 15 | METAMETA PLATFORMS INC | CL A | 0.10% | $142,538 | 249 |
| 16 | SPDR S&P 500 ETF TR | TR UNIT | 0.09% | $131,391 | 229 |
| 17 | PNCPNC FINL SVCS GROUP INC | COM | 0.08% | $112,204 | 607 |
| 18 | GOOGALPHABET INC | CAP STK CL C · CAP STK CL A | 0.06% | $86,477 | 519 |
| 19 | ALPS ETF TR | ACTIVE REIT ETF | 0.06% | $82,113 | 2.8K |
| 20 | PHPARKER-HANNIFIN CORP | COM | 0.04% | $63,182 | 100 |
| 21 | FIDELITY COVINGTON TRUST | SML MID MLTFCT | 0.04% | $57,173 | 1.4K |
| 22 | COSTCOSTCO WHSL CORP NEW | COM | 0.04% | $54,964 | 62 |
| 23 | SPROTT PHYSICAL GOLD & SILVE | TR UNIT | 0.03% | $48,980 | 2.0K |
| 24 | VANECK ETF TRUST | BIOTECH ETF | 0.03% | $46,121 | 260 |
| 25 | DISDISNEY WALT CO | COM | 0.03% | $45,516 | 473 |
| 26 | EXMOCEXXON MOBIL CORP | COM | 0.03% | $40,206 | 343 |
| 27 | ORCLORACLE CORP | COM | 0.03% | $38,340 | 225 |
| 28 | AMZNAMAZON COM INC | COM | 0.02% | $35,030 | 188 |
| 29 | DOCUDOCUSIGN INC | COM | 0.02% | $34,584 | 557 |
Filing History
| Quarter | Reported Value | Positions | Filed | Type | Links |
|---|---|---|---|---|---|
| Q1 2026 | $165M | 26 | Apr 17, 2026 | 13F-HR | changes · EDGAR ↗ |
| Q4 2025 | $163M | 27 | Jan 9, 2026 | 13F-HR | changes · EDGAR ↗ |
| Q3 2025 | $159M | 28 | Oct 8, 2025 | 13F-HR | changes · EDGAR ↗ |
| Q1 2025 | $141M | 115 | Apr 24, 2025 | 13F-HR | changes · EDGAR ↗ |
| Q4 2024 | $142M | 111 | Jan 23, 2025 | 13F-HR | changes · EDGAR ↗ |
| Q3 2024 | $142M | 111 | Nov 7, 2024 | 13F-HR | changes · EDGAR ↗ |
| Q2 2024 | $131M | 125 | Jul 25, 2024 | 13F-HR | changes · EDGAR ↗ |
13F filings are due up to 45 days after quarter end, so holdings shown here lag the fund’s current book. Source: original SEC filing on EDGAR ↗.