Managers / Q4 2025 · view latest →
ZynergyRetirementPlanningLLC
CIK 0002031137 · 10 ROUTE 35, 3RD FLOOR, RED BANK, NJ, 07701 · 7327842380
Summary
Zynergyretirementplanningllc reported $163M in U.S.-listed holdings across 27 positions for Q4 2025.
The portfolio is heavily concentrated: Ishares Tr alone accounts for 24.1% of reported value.
Compared with Q3 2025, the fund opened 0 new positions and exited 2.
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 · 98.1% · $160M
- Common Stock · 1.9% · $3M
Quarter-over-Quarter Changes full breakdown →
vs Q3 2025 (amended baseline)
| Issuer | Move | Share Δ | Shares now | Value Δ | Value now |
|---|---|---|---|---|---|
| NVDANVIDIA CORPORATION | ADDED | +3.1K | 4.4K | +$573,005 | $829,739 |
| LULULULULEMON ATHLETICA INC | SOLD OUT | −3.0K | 0 | −$533,790 | $0 |
| JPMJPMORGAN CHASE & CO. | SOLD OUT | −1.3K | 0 | −$416,683 | $0 |
| SCHWAB STRATEGIC TR | ADDED | +102.6K | 484.0K | +$2M | $12M |
| SCHWAB STRATEGIC TR | ADDED | +1.3K | 21.8K | +$58,051 | $991,461 |
| SCHWAB STRATEGIC TR | HELD | −848 | 16.7K | −$15,183 | $545,635 |
| GQ9SPDR GOLD TR | HELD | −44 | 917 | +$21,809 | $363,416 |
| HDHOME DEPOT INC | HELD | −51 | 1.6K | −$115,659 | $535,076 |
Value changes conflate price moves with buying and selling — share changes are the real signal. Share counts are not split-adjusted.
Holdings — Q4 2025
| # | Issuer | Class | % Portfolio | Value ↓ | Shares |
|---|---|---|---|---|---|
| 1 | SCHWAB STRATEGIC TR | US AGGREGATE B · INTL EQTY ETF · US SML CAP ETF · US REIT ETF · SHT TM US TRES · US TIPS ETF · EMRG MKTEQ ETF · US LCAP VA ETF · INTL SCEQT ETF · US LCAP GR ETF · US DIVIDEND EQ · US BRD MKT ETF | 71.61% | $116M | 4.72M |
| 2 | ISHARES TR | CORE S&P500 ETF · US AER DEF ETF | 24.20% | $39M | 58.1K |
| 3 | AAPLAPPLE INC | COM | 0.89% | $1M | 5.3K |
| 4 | VPUVANGUARD WORLD FD | FINANCIALS ETF · UTILITIES ETF | 0.57% | $925,315 | 6.4K |
| 5 | NDQINVESCO QQQ TR | UNIT SER 1 | 0.55% | $886,449 | 1.4K |
| 6 | VTVVANGUARD INDEX FDS | VALUE ETF · SMALL CP ETF | 0.53% | $854,051 | 4.0K |
| 7 | HDHOME DEPOT INC | COM | 0.33% | $535,076 | 1.6K |
| 8 | VANGUARD INTL EQUITY INDEX F | ALLWRLD EX US | 0.31% | $504,180 | 6.9K |
| 9 | GQ9SPDR GOLD TR | GOLD SHS | 0.22% | $363,416 | 917 |
| 10 | NVDANVIDIA CORPORATION | COM | 0.17% | $270,239 | 1.4K |
| 11 | VANGUARD WHITEHALL FDS | HIGH DIV YLD | 0.16% | $254,317 | 1.8K |
| 12 | NJRNEW JERSEY RES CORP | COM | 0.13% | $205,562 | 4.5K |
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 ↗.