RUGGAARD & ASSOCIATES LLC

Filed: 8/14/2025ACC: 0001971230-25-000005

📋 What this filing means

RUGGAARD & ASSOCIATES LLC filed this quarterly 13F‑HR report disclosing 116 equity positions with a total reported market value of $248.79M. This filing provides a transparent view of the manager's long equity holdings as of the quarter end.

116

Positions

$248.79M

Total AUM (reported)

4.52M

Total Shares

Allocation by class

COM$35.48M14.3%

SHS CREATION UNI$23.12M9.3%

US QUALITY GROW$15.58M6.3%

CORE PLUS INCM$15.17M6.1%

ULTRA SHRT ETF$15.07M6.1%

IBONDS DEC25 ETF$13.39M5.4%

IBONDS 2026 TERM$13.35M5.4%

Portfolio Concentration

Top 3$45.82M18.4%

4–10$86.84M34.9%

11–25$68.29M27.4%

Rest$47.83M19.2%

Top 3 weight

18.4%

Top 10 weight

53.3%

Voting Authority Distribution

Total shares with voting rights: 4.52M

Sole

Full voting authority

19.49K

% of voting shares0.4%

Shared

Joint voting authority

0.00

% of voting shares0.0%

None

No voting authority

4.50M

% of voting shares99.6%

Investment Discretion (by position count)

Sole116

Shared0

Other0

Dominant voting typeNone · 99.6% of voting shares

Institutional Holdings116

Rows:

AMERICAN CENTY ETF TR

SOLE

US QUALITY GROW

Shares142.82K

TypeSH

Market value$15.58M

6.26%

Sole

676.00

Shared

0.00

None

142.15K

CAPITAL GRP FIXED INCM ETF T

SOLE

CORE PLUS INCM

Shares674.36K

TypeSH

Market value$15.17M

6.10%

Sole

2.90K

Shared

0.00

None

671.46K

J P MORGAN EXCHANGE TRADED F

SOLE

ULTRA SHRT ETF

Shares297.30K

TypeSH

Market value$15.07M

6.06%

Sole

1.49K

Shared

0.00

None

295.81K

CAPITAL GROUP DIVIDEND VALUE

SOLE

SHS CREATION UNI

Shares371.57K

TypeSH

Market value$14.67M

5.90%

Sole

1.65K

Shared

0.00

None

369.92K

ISHARES TR

SOLE

IBONDS DEC25 ETF

Shares531.63K

TypeSH

Market value$13.39M

5.38%

Sole

1.94K

Shared

0.00

None

529.70K

ISHARES TR

SOLE

IBONDS 2026 TERM

Shares574.52K

TypeSH

Market value$13.35M

5.36%

Sole

0.00

Shared

0.00

None

574.52K

J P MORGAN EXCHANGE TRADED F

SOLE

ACTIVE BOND ETF

Shares227.17K

TypeSH

Market value$12.17M

4.89%

Sole

0.00

Shared

0.00

None

227.17K

VANGUARD INDEX FDS

SOLE

MID CAP ETF

Shares43.08K

TypeSH

Market value$12.05M

4.85%

Sole

0.00

Shared

0.00

None

43.08K

INVESCO EXCHANGE TRADED FD T

SOLE

S&P500 QUALITY

Shares158.96K

TypeSH

Market value$11.33M

4.55%

Sole

6.00

Shared

0.00

None

158.96K

INVESCO EXCHANGE TRADED FD T

SOLE

S&P500 EQL WGT

Shares54.37K

TypeSH

Market value$9.88M

3.97%

Sole

0.00

Shared

0.00

None

54.37K

ISHARES TR

SOLE

RUS 1000 GRW ETF

Shares19.94K

TypeSH

Market value$8.47M

3.40%

Sole

0.00

Shared

0.00

None

19.94K

CAPITAL GROUP GBL GROWTH EQT

SOLE

SHS CREATION UNI

Shares264.33K

TypeSH

Market value$8.45M

3.40%

Sole

1.55K

Shared

0.00

None

262.79K

DIMENSIONAL ETF TRUST

SOLE

US SMALL CAP ETF

Shares116.60K

TypeSH

Market value$7.43M

2.99%

Sole

583.00

Shared

0.00

None

116.01K

WISDOMTREE TR

SOLE

WISDOMTREE US VA

Shares84.65K

TypeSH

Market value$7.31M

2.94%

Sole

0.00

Shared

0.00

None

84.65K

DBX ETF TR

SOLE

XTRACK MSCI EAFE

Shares154.87K

TypeSH

Market value$6.78M

2.72%

Sole

0.00

Shared

0.00

None

154.87K

VANGUARD INDEX FDS

SOLE

SMALL CP ETF

Shares27.08K

TypeSH

Market value$6.42M

2.58%

Sole

0.00

Shared

0.00

None

27.08K

APPLE INC

SOLE

COM

Shares30.05K

TypeSH

Market value$6.17M

2.48%

Sole

0.00

Shared

0.00

None

30.05K

ISHARES TR

SOLE

CORE S&P500 ETF

Shares7.60K

TypeSH

Market value$4.72M

1.90%

Sole

243.00

Shared

0.00

None

7.35K

MICROSOFT CORP

SOLE

COM

Shares5.88K

TypeSH

Market value$2.93M

1.18%

Sole

11.00

Shared

0.00

None

5.87K

ISHARES TR

SOLE

CORE DIV GRWTH

Shares28.47K

TypeSH

Market value$1.82M

0.73%

Sole

1.04K

Shared

0.00

None

27.43K

PIMCO ETF TR

SOLE

ENHAN SHRT MA AC

Shares17.88K

TypeSH

Market value$1.80M

0.72%

Sole

484.00

Shared

0.00

None

17.40K

AGNICO EAGLE MINES LTD

SOLE

COM

Shares14.04K

TypeSH

Market value$1.67M

0.67%

Sole

0.00

Shared

0.00

None

14.04K

J P MORGAN EXCHANGE TRADED F

SOLE

SMALL & MID CAP

Shares28.07K

TypeSH

Market value$1.66M

0.67%

Sole

734.00

Shared

0.00

None

27.34K

AMERICAN CENTY ETF TR

SOLE

US LARGE CAP VLU

Shares19.87K

TypeSH

Market value$1.36M

0.54%

Sole

0.00

Shared

0.00

None

19.87K

WISDOMTREE TR

SOLE

US QTLY DIV GRT

Shares15.77K

TypeSH

Market value$1.32M

0.53%

Sole

7.00

Shared

0.00

None

15.77K

Issuer	Class	Shares	Type	Value / Portfolio %	Voting — Sole	None
AMERICAN CENTY ETF TRSOLE	US QUALITY GROW	142.82K	SH	$15.58M 6.26%	676.00	142.15K
CAPITAL GRP FIXED INCM ETF TSOLE	CORE PLUS INCM	674.36K	SH	$15.17M 6.10%	2.90K	671.46K
J P MORGAN EXCHANGE TRADED FSOLE	ULTRA SHRT ETF	297.30K	SH	$15.07M 6.06%	1.49K	295.81K
CAPITAL GROUP DIVIDEND VALUESOLE	SHS CREATION UNI	371.57K	SH	$14.67M 5.90%	1.65K	369.92K
ISHARES TRSOLE	IBONDS DEC25 ETF	531.63K	SH	$13.39M 5.38%	1.94K	529.70K
ISHARES TRSOLE	IBONDS 2026 TERM	574.52K	SH	$13.35M 5.36%	0.00	574.52K
J P MORGAN EXCHANGE TRADED FSOLE	ACTIVE BOND ETF	227.17K	SH	$12.17M 4.89%	0.00	227.17K
VANGUARD INDEX FDSSOLE	MID CAP ETF	43.08K	SH	$12.05M 4.85%	0.00	43.08K
INVESCO EXCHANGE TRADED FD TSOLE	S&P500 QUALITY	158.96K	SH	$11.33M 4.55%	6.00	158.96K
INVESCO EXCHANGE TRADED FD TSOLE	S&P500 EQL WGT	54.37K	SH	$9.88M 3.97%	0.00	54.37K
ISHARES TRSOLE	RUS 1000 GRW ETF	19.94K	SH	$8.47M 3.40%	0.00	19.94K
CAPITAL GROUP GBL GROWTH EQTSOLE	SHS CREATION UNI	264.33K	SH	$8.45M 3.40%	1.55K	262.79K
DIMENSIONAL ETF TRUSTSOLE	US SMALL CAP ETF	116.60K	SH	$7.43M 2.99%	583.00	116.01K
WISDOMTREE TRSOLE	WISDOMTREE US VA	84.65K	SH	$7.31M 2.94%	0.00	84.65K
DBX ETF TRSOLE	XTRACK MSCI EAFE	154.87K	SH	$6.78M 2.72%	0.00	154.87K
VANGUARD INDEX FDSSOLE	SMALL CP ETF	27.08K	SH	$6.42M 2.58%	0.00	27.08K
APPLE INCSOLE	COM	30.05K	SH	$6.17M 2.48%	0.00	30.05K
ISHARES TRSOLE	CORE S&P500 ETF	7.60K	SH	$4.72M 1.90%	243.00	7.35K
MICROSOFT CORPSOLE	COM	5.88K	SH	$2.93M 1.18%	11.00	5.87K
ISHARES TRSOLE	CORE DIV GRWTH	28.47K	SH	$1.82M 0.73%	1.04K	27.43K
PIMCO ETF TRSOLE	ENHAN SHRT MA AC	17.88K	SH	$1.80M 0.72%	484.00	17.40K
AGNICO EAGLE MINES LTDSOLE	COM	14.04K	SH	$1.67M 0.67%	0.00	14.04K
J P MORGAN EXCHANGE TRADED FSOLE	SMALL & MID CAP	28.07K	SH	$1.66M 0.67%	734.00	27.34K
AMERICAN CENTY ETF TRSOLE	US LARGE CAP VLU	19.87K	SH	$1.36M 0.54%	0.00	19.87K
WISDOMTREE TRSOLE	US QTLY DIV GRT	15.77K	SH	$1.32M 0.53%	7.00	15.77K

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