RUGGAARD & ASSOCIATES LLC

Filed: 11/14/2025ACC: 0001971230-25-000006

📋 What this filing means

RUGGAARD & ASSOCIATES LLC filed this quarterly 13F‑HR report disclosing 120 equity positions with a total reported market value of $267.25M. This filing provides a transparent view of the manager's long equity holdings as of the quarter end.

120

Positions

$267.25M

Total AUM (reported)

4.60M

Total Shares

Allocation by class

COM$41.78M15.6%

SHS CREATION UNI$24.84M9.3%

US QUALITY GROW$16.47M6.2%

ULTRA SHRT ETF$15.75M5.9%

CORE PLUS INCM$15.53M5.8%

IBONDS 2026 TERM$13.66M5.1%

IBONDS DEC25 ETF$13.36M5.0%

Portfolio Concentration

Top 3$47.94M17.9%

4–10$89.70M33.6%

11–25$77.41M29.0%

Rest$52.21M19.5%

Top 3 weight

17.9%

Top 10 weight

51.5%

Voting Authority Distribution

Total shares with voting rights: 4.60M

Sole

Full voting authority

19.25K

% of voting shares0.4%

Shared

Joint voting authority

0.00

% of voting shares0.0%

None

No voting authority

4.58M

% of voting shares99.6%

Investment Discretion (by position count)

Sole120

Shared0

Other0

Dominant voting typeNone · 99.6% of voting shares

Institutional Holdings120

Rows:

AMERICAN CENTY ETF TR

SOLE

US QUALITY GROW

Shares143.94K

TypeSH

Market value$16.47M

6.16%

Sole

791.00

Shared

0.00

None

143.14K

J P MORGAN EXCHANGE TRADED F

SOLE

ULTRA SHRT ETF

Shares310.51K

TypeSH

Market value$15.75M

5.89%

Sole

1.32K

Shared

0.00

None

309.19K

CAPITAL GROUP DIVIDEND VALUE

SOLE

SHS CREATION UNI

Shares374.01K

TypeSH

Market value$15.72M

5.88%

Sole

2.14K

Shared

0.00

None

371.87K

CAPITAL GRP FIXED INCM ETF T

SOLE

CORE PLUS INCM

Shares683.73K

TypeSH

Market value$15.53M

5.81%

Sole

2.95K

Shared

0.00

None

680.78K

ISHARES TR

SOLE

IBONDS 2026 TERM

Shares583.91K

TypeSH

Market value$13.66M

5.11%

Sole

0.00

Shared

0.00

None

583.91K

ISHARES TR

SOLE

IBONDS DEC25 ETF

Shares530.28K

TypeSH

Market value$13.36M

5.00%

Sole

1.97K

Shared

0.00

None

528.31K

VANGUARD INDEX FDS

SOLE

MID CAP ETF

Shares43.07K

TypeSH

Market value$12.65M

4.73%

Sole

0.00

Shared

0.00

None

43.07K

J P MORGAN EXCHANGE TRADED F

SOLE

ACTIVE BOND ETF

Shares230.08K

TypeSH

Market value$12.46M

4.66%

Sole

0.00

Shared

0.00

None

230.08K

INVESCO EXCHANGE TRADED FD T

SOLE

S&P500 QUALITY

Shares159.87K

TypeSH

Market value$11.72M

4.38%

Sole

6.00

Shared

0.00

None

159.87K

INVESCO EXCHANGE TRADED FD T

SOLE

S&P500 EQL WGT

Shares54.41K

TypeSH

Market value$10.32M

3.86%

Sole

0.00

Shared

0.00

None

54.41K

ISHARES TR

SOLE

RUS 1000 GRW ETF

Shares19.89K

TypeSH

Market value$9.32M

3.49%

Sole

0.00

Shared

0.00

None

19.89K

CAPITAL GROUP GBL GROWTH EQT

SOLE

SHS CREATION UNI

Shares266.96K

TypeSH

Market value$9.12M

3.41%

Sole

1.72K

Shared

0.00

None

265.24K

APPLE INC

SOLE

COM

Shares32.25K

TypeSH

Market value$8.21M

3.07%

Sole

0.00

Shared

0.00

None

32.25K

DIMENSIONAL ETF TRUST

SOLE

US SMALL CAP ETF

Shares117.63K

TypeSH

Market value$8.05M

3.01%

Sole

584.00

Shared

0.00

None

117.04K

WISDOMTREE TR

SOLE

WISDOMTREE US VA

Shares84.97K

TypeSH

Market value$7.73M

2.89%

Sole

0.00

Shared

0.00

None

84.97K

DBX ETF TR

SOLE

XTRACK MSCI EAFE

Shares156.69K

TypeSH

Market value$7.27M

2.72%

Sole

6.00

Shared

0.00

None

156.69K

VANGUARD INDEX FDS

SOLE

SMALL CP ETF

Shares27.23K

TypeSH

Market value$6.93M

2.59%

Sole

0.00

Shared

0.00

None

27.23K

ISHARES TR

SOLE

CORE S&P500 ETF

Shares7.68K

TypeSH

Market value$5.14M

1.92%

Sole

270.00

Shared

0.00

None

7.41K

MICROSOFT CORP

SOLE

COM

Shares5.88K

TypeSH

Market value$3.05M

1.14%

Sole

11.00

Shared

0.00

None

5.87K

NVIDIA CORPORATION

SOLE

COM

Shares15.05K

TypeSH

Market value$2.81M

1.05%

Sole

0.00

Shared

0.00

None

15.05K

AGNICO EAGLE MINES LTD

SOLE

COM

Shares14.25K

TypeSH

Market value$2.40M

0.90%

Sole

0.00

Shared

0.00

None

14.25K

PIMCO ETF TR

SOLE

ENHAN SHRT MA AC

Shares21.25K

TypeSH

Market value$2.14M

0.80%

Sole

499.00

Shared

0.00

None

20.75K

ISHARES TR

SOLE

CORE DIV GRWTH

Shares29.31K

TypeSH

Market value$2.00M

0.75%

Sole

1.07K

Shared

0.00

None

28.23K

J P MORGAN EXCHANGE TRADED F

SOLE

SMALL & MID CAP

Shares28.28K

TypeSH

Market value$1.79M

0.67%

Sole

809.00

Shared

0.00

None

27.47K

AMERICAN CENTY ETF TR

SOLE

US LARGE CAP VLU

Shares20.02K

TypeSH

Market value$1.45M

0.54%

Sole

0.00

Shared

0.00

None

20.02K

Issuer	Class	Shares	Type	Value / Portfolio %	Voting — Sole	None
AMERICAN CENTY ETF TRSOLE	US QUALITY GROW	143.94K	SH	$16.47M 6.16%	791.00	143.14K
J P MORGAN EXCHANGE TRADED FSOLE	ULTRA SHRT ETF	310.51K	SH	$15.75M 5.89%	1.32K	309.19K
CAPITAL GROUP DIVIDEND VALUESOLE	SHS CREATION UNI	374.01K	SH	$15.72M 5.88%	2.14K	371.87K
CAPITAL GRP FIXED INCM ETF TSOLE	CORE PLUS INCM	683.73K	SH	$15.53M 5.81%	2.95K	680.78K
ISHARES TRSOLE	IBONDS 2026 TERM	583.91K	SH	$13.66M 5.11%	0.00	583.91K
ISHARES TRSOLE	IBONDS DEC25 ETF	530.28K	SH	$13.36M 5.00%	1.97K	528.31K
VANGUARD INDEX FDSSOLE	MID CAP ETF	43.07K	SH	$12.65M 4.73%	0.00	43.07K
J P MORGAN EXCHANGE TRADED FSOLE	ACTIVE BOND ETF	230.08K	SH	$12.46M 4.66%	0.00	230.08K
INVESCO EXCHANGE TRADED FD TSOLE	S&P500 QUALITY	159.87K	SH	$11.72M 4.38%	6.00	159.87K
INVESCO EXCHANGE TRADED FD TSOLE	S&P500 EQL WGT	54.41K	SH	$10.32M 3.86%	0.00	54.41K
ISHARES TRSOLE	RUS 1000 GRW ETF	19.89K	SH	$9.32M 3.49%	0.00	19.89K
CAPITAL GROUP GBL GROWTH EQTSOLE	SHS CREATION UNI	266.96K	SH	$9.12M 3.41%	1.72K	265.24K
APPLE INCSOLE	COM	32.25K	SH	$8.21M 3.07%	0.00	32.25K
DIMENSIONAL ETF TRUSTSOLE	US SMALL CAP ETF	117.63K	SH	$8.05M 3.01%	584.00	117.04K
WISDOMTREE TRSOLE	WISDOMTREE US VA	84.97K	SH	$7.73M 2.89%	0.00	84.97K
DBX ETF TRSOLE	XTRACK MSCI EAFE	156.69K	SH	$7.27M 2.72%	6.00	156.69K
VANGUARD INDEX FDSSOLE	SMALL CP ETF	27.23K	SH	$6.93M 2.59%	0.00	27.23K
ISHARES TRSOLE	CORE S&P500 ETF	7.68K	SH	$5.14M 1.92%	270.00	7.41K
MICROSOFT CORPSOLE	COM	5.88K	SH	$3.05M 1.14%	11.00	5.87K
NVIDIA CORPORATIONSOLE	COM	15.05K	SH	$2.81M 1.05%	0.00	15.05K
AGNICO EAGLE MINES LTDSOLE	COM	14.25K	SH	$2.40M 0.90%	0.00	14.25K
PIMCO ETF TRSOLE	ENHAN SHRT MA AC	21.25K	SH	$2.14M 0.80%	499.00	20.75K
ISHARES TRSOLE	CORE DIV GRWTH	29.31K	SH	$2.00M 0.75%	1.07K	28.23K
J P MORGAN EXCHANGE TRADED FSOLE	SMALL & MID CAP	28.28K	SH	$1.79M 0.67%	809.00	27.47K
AMERICAN CENTY ETF TRSOLE	US LARGE CAP VLU	20.02K	SH	$1.45M 0.54%	0.00	20.02K

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