RED TORTOISE LLC

Filed: 10/22/2025ACC: 0001910488-25-000005

📋 What this filing means

RED TORTOISE LLC filed this quarterly 13F‑HR report disclosing 590 equity positions with a total reported market value of $230.56M. This filing provides a transparent view of the manager's long equity holdings as of the quarter end.

590

Positions

$230.56M

Total AUM (reported)

4.80M

Total Shares

Allocation by class

ETF$212.10M92.0%

STOCK$17.94M7.8%

REIT$195.7K0.1%

CEF$190.5K0.1%

ADR$128.8K0.1%

Portfolio Concentration

Top 3$57.31M24.9%

4–10$51.99M22.6%

11–25$50.78M22.0%

Rest$70.47M30.6%

Top 3 weight

24.9%

Top 10 weight

47.4%

Voting Authority Distribution

Total shares with voting rights: 4.80M

Sole

Full voting authority

0.00

% of voting shares0.0%

Shared

Joint voting authority

0.00

% of voting shares0.0%

None

No voting authority

4.80M

% of voting shares100.0%

Investment Discretion (by position count)

Sole214

Shared0

Other376

Dominant voting typeNone · 100.0% of voting shares

Institutional Holdings590

Rows:

SCHWAB INTERNATIONAL EQUITY ETF

SOLE

ETF

Shares1.13M

TypeSH

Market value$26.23M

11.38%

Sole

0.00

Shared

0.00

None

1.13M

SCHWAB FUNDAMENTAL INTERNATIONAL EQUITY ETF

SOLE

ETF

Shares420.99K

TypeSH

Market value$18.09M

7.84%

Sole

0.00

Shared

0.00

None

420.99K

ISHARES CORE S&P 500 ETF

SOLE

ETF

Shares19.42K

TypeSH

Market value$13.00M

5.64%

Sole

0.00

Shared

0.00

None

19.42K

SCHWAB EMERGING MARKETS EQUITY ETF

SOLE

ETF

Shares305.14K

TypeSH

Market value$10.18M

4.42%

Sole

0.00

Shared

0.00

None

305.14K

ISHARES CORE MSCI EAFE ETF

SOLE

ETF

Shares97.89K

TypeSH

Market value$8.55M

3.71%

Sole

0.00

Shared

0.00

None

97.89K

SCHWAB U.S. LARGE-CAP ETF

SOLE

ETF

Shares285.32K

TypeSH

Market value$7.52M

3.26%

Sole

0.00

Shared

0.00

None

285.32K

VANGUARD LONG-TERM TREASURY ETF

SOLE

ETF

Shares131.79K

TypeSH

Market value$7.49M

3.25%

Sole

0.00

Shared

0.00

None

131.79K

SCHWAB FUNDAMENTAL U.S. LARGE COMPANY ETF

SOLE

ETF

Shares258.35K

TypeSH

Market value$6.79M

2.95%

Sole

0.00

Shared

0.00

None

258.35K

ISHARES RUSSELL 1000 VALUE ETF

SOLE

ETF

Shares29.91K

TypeSH

Market value$6.09M

2.64%

Sole

0.00

Shared

0.00

None

29.91K

SCHWAB SHORT-TERM US TREASURY ETF

SOLE

ETF

Shares219.85K

TypeSH

Market value$5.36M

2.33%

Sole

0.00

Shared

0.00

None

219.85K

VANGUARD VALUE ETF

SOLE

ETF

Shares28.28K

TypeSH

Market value$5.27M

2.29%

Sole

0.00

Shared

0.00

None

28.28K

ISHARES CORE DIVIDEND GROWTH ETF

SOLE

ETF

Shares75.03K

TypeSH

Market value$5.11M

2.22%

Sole

0.00

Shared

0.00

None

75.03K

ISHARES MSCI USA QUALITY FACTOR ETF

SOLE

ETF

Shares25.61K

TypeSH

Market value$4.98M

2.16%

Sole

0.00

Shared

0.00

None

25.61K

VANGUARD FTSE DEVELOPED MARKETS ETF

SOLE

ETF

Shares70.27K

TypeSH

Market value$4.21M

1.83%

Sole

0.00

Shared

0.00

None

70.27K

SPDR PORTFOLIO S&P 500 VALUE ETF

SOLE

ETF

Shares70.38K

TypeSH

Market value$3.89M

1.69%

Sole

0.00

Shared

0.00

None

70.38K

SCHWAB US TIPS ETF

SOLE

ETF

Shares121.16K

TypeSH

Market value$3.27M

1.42%

Sole

0.00

Shared

0.00

None

121.16K

SCHWAB US AGGREGATE BOND ETF

SOLE

ETF

Shares128.41K

TypeSH

Market value$3.01M

1.31%

Sole

0.00

Shared

0.00

None

128.41K

ISHARES MSCI ACWI EX U.S. ETF

SOLE

ETF

Shares46.34K

TypeSH

Market value$3.01M

1.31%

Sole

0.00

Shared

0.00

None

46.34K

ISHARES RUSSELL 1000 ETF

SOLE

ETF

Shares8.12K

TypeSH

Market value$2.97M

1.29%

Sole

0.00

Shared

0.00

None

8.12K

ISHARES CORE MSCI EMERGING MARKETS ETF

SOLE

ETF

Shares39.99K

TypeSH

Market value$2.64M

1.14%

Sole

0.00

Shared

0.00

None

39.99K

BANK AMERICA CORP COM

SOLE

Stock

Shares50.83K

TypeSH

Market value$2.62M

1.14%

Sole

0.00

Shared

0.00

None

50.83K

SCHWAB U.S. BROAD MARKET ETF

SOLE

ETF

Shares101.99K

TypeSH

Market value$2.62M

1.14%

Sole

0.00

Shared

0.00

None

101.99K

VANGUARD S&P 500 ETF

SOLE

ETF

Shares4.04K

TypeSH

Market value$2.47M

1.07%

Sole

0.00

Shared

0.00

None

4.04K

INVESCO RAFI DEVELOPED MARKETS EX-U.S. ETF

SOLE

ETF

Shares39.84K

TypeSH

Market value$2.44M

1.06%

Sole

0.00

Shared

0.00

None

39.84K

MICROSOFT CORP COM

OTR

Stock

Shares4.38K

TypeSH

Market value$2.27M

0.98%

Sole

0.00

Shared

0.00

None

4.38K

Issuer	Class	Shares	Type	Value / Portfolio %	None
SCHWAB INTERNATIONAL EQUITY ETFSOLE	ETF	1.13M	SH	$26.23M 11.38%	1.13M
SCHWAB FUNDAMENTAL INTERNATIONAL EQUITY ETFSOLE	ETF	420.99K	SH	$18.09M 7.84%	420.99K
ISHARES CORE S&P 500 ETFSOLE	ETF	19.42K	SH	$13.00M 5.64%	19.42K
SCHWAB EMERGING MARKETS EQUITY ETFSOLE	ETF	305.14K	SH	$10.18M 4.42%	305.14K
ISHARES CORE MSCI EAFE ETFSOLE	ETF	97.89K	SH	$8.55M 3.71%	97.89K
SCHWAB U.S. LARGE-CAP ETFSOLE	ETF	285.32K	SH	$7.52M 3.26%	285.32K
VANGUARD LONG-TERM TREASURY ETFSOLE	ETF	131.79K	SH	$7.49M 3.25%	131.79K
SCHWAB FUNDAMENTAL U.S. LARGE COMPANY ETFSOLE	ETF	258.35K	SH	$6.79M 2.95%	258.35K
ISHARES RUSSELL 1000 VALUE ETFSOLE	ETF	29.91K	SH	$6.09M 2.64%	29.91K
SCHWAB SHORT-TERM US TREASURY ETFSOLE	ETF	219.85K	SH	$5.36M 2.33%	219.85K
VANGUARD VALUE ETFSOLE	ETF	28.28K	SH	$5.27M 2.29%	28.28K
ISHARES CORE DIVIDEND GROWTH ETFSOLE	ETF	75.03K	SH	$5.11M 2.22%	75.03K
ISHARES MSCI USA QUALITY FACTOR ETFSOLE	ETF	25.61K	SH	$4.98M 2.16%	25.61K
VANGUARD FTSE DEVELOPED MARKETS ETFSOLE	ETF	70.27K	SH	$4.21M 1.83%	70.27K
SPDR PORTFOLIO S&P 500 VALUE ETFSOLE	ETF	70.38K	SH	$3.89M 1.69%	70.38K
SCHWAB US TIPS ETFSOLE	ETF	121.16K	SH	$3.27M 1.42%	121.16K
SCHWAB US AGGREGATE BOND ETFSOLE	ETF	128.41K	SH	$3.01M 1.31%	128.41K
ISHARES MSCI ACWI EX U.S. ETFSOLE	ETF	46.34K	SH	$3.01M 1.31%	46.34K
ISHARES RUSSELL 1000 ETFSOLE	ETF	8.12K	SH	$2.97M 1.29%	8.12K
ISHARES CORE MSCI EMERGING MARKETS ETFSOLE	ETF	39.99K	SH	$2.64M 1.14%	39.99K
BANK AMERICA CORP COMSOLE	Stock	50.83K	SH	$2.62M 1.14%	50.83K
SCHWAB U.S. BROAD MARKET ETFSOLE	ETF	101.99K	SH	$2.62M 1.14%	101.99K
VANGUARD S&P 500 ETFSOLE	ETF	4.04K	SH	$2.47M 1.07%	4.04K
INVESCO RAFI DEVELOPED MARKETS EX-U.S. ETFSOLE	ETF	39.84K	SH	$2.44M 1.06%	39.84K
MICROSOFT CORP COMOTR	Stock	4.38K	SH	$2.27M 0.98%	4.38K

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