RUGGAARD & ASSOCIATES LLC

Filed: 2/20/2026ACC: 0001971230-26-000001

📋 What this filing means

RUGGAARD & ASSOCIATES LLC filed this quarterly 13F‑HR report disclosing 121 equity positions with a total reported market value of $253.99M. This filing provides a transparent view of the manager's long equity holdings as of the quarter end.

121

Positions

$253.99M

Total AUM (reported)

4.52M

Total Shares

Allocation by class

COM$39.02M15.4%

SHS CREATION UNI$23.35M9.2%

US QUALITY GROW$14.78M5.8%

ULTRA SHRT ETF$14.62M5.8%

CORE PLUS INCM$14.14M5.6%

IBONDS 2026 TERM$12.10M4.8%

IBONDS DEC 29$11.76M4.6%

Portfolio Concentration

Top 3$44.18M17.4%

4–10$80.39M31.7%

11–25$76.89M30.3%

Rest$52.53M20.7%

Top 3 weight

17.4%

Top 10 weight

49.0%

Voting Authority Distribution

Total shares with voting rights: 4.52M

Sole

Full voting authority

20.25K

% of voting shares0.4%

Shared

Joint voting authority

0.00

% of voting shares0.0%

None

No voting authority

4.49M

% of voting shares99.6%

Investment Discretion (by position count)

Sole121

Shared0

Other0

Dominant voting typeNone · 99.6% of voting shares

Institutional Holdings121

Rows:

AMERICAN CENTY ETF TR

SOLE

US QUALITY GROW

Shares129.07K

TypeSH

Market value$14.78M

5.82%

Sole

788.00

Shared

0.00

None

128.29K

CAPITAL GROUP DIVIDEND VALUE

SOLE

SHS CREATION UNI

Shares338.71K

TypeSH

Market value$14.78M

5.82%

Sole

1.89K

Shared

0.00

None

336.82K

J P MORGAN EXCHANGE TRADED F

SOLE

ULTRA SHRT ETF

Shares288.92K

TypeSH

Market value$14.62M

5.75%

Sole

1.61K

Shared

0.00

None

287.31K

CAPITAL GRP FIXED INCM ETF T

SOLE

CORE PLUS INCM

Shares624.74K

TypeSH

Market value$14.14M

5.57%

Sole

3.11K

Shared

0.00

None

621.63K

ISHARES TR

SOLE

IBONDS 2026 TERM

Shares524.27K

TypeSH

Market value$12.10M

4.76%

Sole

0.00

Shared

0.00

None

524.27K

ISHARES TR

SOLE

IBONDS DEC 29

Shares502.54K

TypeSH

Market value$11.76M

4.63%

Sole

1.98K

Shared

0.00

None

500.56K

VANGUARD INDEX FDS

SOLE

MID CAP ETF

Shares38.58K

TypeSH

Market value$11.20M

4.41%

Sole

0.00

Shared

0.00

None

38.58K

J P MORGAN EXCHANGE TRADED F

SOLE

ACTIVE BOND ETF

Shares206.73K

TypeSH

Market value$11.18M

4.40%

Sole

0.00

Shared

0.00

None

206.73K

INVESCO EXCHANGE TRADED FD T

SOLE

S&P500 QUALITY

Shares146.49K

TypeSH

Market value$10.99M

4.33%

Sole

6.00

Shared

0.00

None

146.48K

INVESCO EXCHANGE TRADED FD T

SOLE

S&P500 EQL WGT

Shares47.05K

TypeSH

Market value$9.01M

3.55%

Sole

0.00

Shared

0.00

None

47.05K

CAPITAL GROUP GBL GROWTH EQT

SOLE

SHS CREATION UNI

Shares247.41K

TypeSH

Market value$8.57M

3.38%

Sole

1.73K

Shared

0.00

None

245.69K

ISHARES TR

SOLE

RUS 1000 GRW ETF

Shares17.90K

TypeSH

Market value$8.47M

3.34%

Sole

0.00

Shared

0.00

None

17.90K

BNY MELLON ETF TRUST II

SOLE

DYNAMIC VALUE

Shares265.16K

TypeSH

Market value$7.70M

3.03%

Sole

0.00

Shared

0.00

None

265.16K

DIMENSIONAL ETF TRUST

SOLE

US SMALL CAP ETF

Shares106.46K

TypeSH

Market value$7.42M

2.92%

Sole

578.00

Shared

0.00

None

105.88K

APPLE INC

SOLE

COM

Shares27.03K

TypeSH

Market value$7.35M

2.89%

Sole

0.00

Shared

0.00

None

27.03K

WISDOMTREE TR

SOLE

WISDOMTREE US VA

Shares77.46K

TypeSH

Market value$7.23M

2.85%

Sole

0.00

Shared

0.00

None

77.46K

DBX ETF TR

SOLE

XTRACK MSCI EAFE

Shares143.91K

TypeSH

Market value$6.92M

2.73%

Sole

6.00

Shared

0.00

None

143.90K

VANGUARD INDEX FDS

SOLE

SMALL CP ETF

Shares25.21K

TypeSH

Market value$6.50M

2.56%

Sole

0.00

Shared

0.00

None

25.21K

ISHARES TR

SOLE

CORE S&P500 ETF

Shares5.97K

TypeSH

Market value$4.09M

1.61%

Sole

266.00

Shared

0.00

None

5.70K

MICROSOFT CORP

SOLE

COM

Shares5.36K

TypeSH

Market value$2.59M

1.02%

Sole

11.00

Shared

0.00

None

5.34K

AGNICO EAGLE MINES LTD

SOLE

COM

Shares14.48K

TypeSH

Market value$2.45M

0.97%

Sole

0.00

Shared

0.00

None

14.48K

PIMCO ETF TR

SOLE

ENHAN SHRT MA AC

Shares21.86K

TypeSH

Market value$2.19M

0.86%

Sole

624.00

Shared

0.00

None

21.24K

ISHARES TR

SOLE

CORE DIV GRWTH

Shares29.17K

TypeSH

Market value$2.02M

0.80%

Sole

1.10K

Shared

0.00

None

28.07K

J P MORGAN EXCHANGE TRADED F

SOLE

SMALL & MID CAP

Shares28.59K

TypeSH

Market value$1.84M

0.72%

Sole

812.00

Shared

0.00

None

27.78K

AMERICAN CENTY ETF TR

SOLE

US LARGE CAP VLU

Shares20.38K

TypeSH

Market value$1.54M

0.61%

Sole

0.00

Shared

0.00

None

20.38K

Issuer	Class	Shares	Type	Value / Portfolio %	Voting — Sole	None
AMERICAN CENTY ETF TRSOLE	US QUALITY GROW	129.07K	SH	$14.78M 5.82%	788.00	128.29K
CAPITAL GROUP DIVIDEND VALUESOLE	SHS CREATION UNI	338.71K	SH	$14.78M 5.82%	1.89K	336.82K
J P MORGAN EXCHANGE TRADED FSOLE	ULTRA SHRT ETF	288.92K	SH	$14.62M 5.75%	1.61K	287.31K
CAPITAL GRP FIXED INCM ETF TSOLE	CORE PLUS INCM	624.74K	SH	$14.14M 5.57%	3.11K	621.63K
ISHARES TRSOLE	IBONDS 2026 TERM	524.27K	SH	$12.10M 4.76%	0.00	524.27K
ISHARES TRSOLE	IBONDS DEC 29	502.54K	SH	$11.76M 4.63%	1.98K	500.56K
VANGUARD INDEX FDSSOLE	MID CAP ETF	38.58K	SH	$11.20M 4.41%	0.00	38.58K
J P MORGAN EXCHANGE TRADED FSOLE	ACTIVE BOND ETF	206.73K	SH	$11.18M 4.40%	0.00	206.73K
INVESCO EXCHANGE TRADED FD TSOLE	S&P500 QUALITY	146.49K	SH	$10.99M 4.33%	6.00	146.48K
INVESCO EXCHANGE TRADED FD TSOLE	S&P500 EQL WGT	47.05K	SH	$9.01M 3.55%	0.00	47.05K
CAPITAL GROUP GBL GROWTH EQTSOLE	SHS CREATION UNI	247.41K	SH	$8.57M 3.38%	1.73K	245.69K
ISHARES TRSOLE	RUS 1000 GRW ETF	17.90K	SH	$8.47M 3.34%	0.00	17.90K
BNY MELLON ETF TRUST IISOLE	DYNAMIC VALUE	265.16K	SH	$7.70M 3.03%	0.00	265.16K
DIMENSIONAL ETF TRUSTSOLE	US SMALL CAP ETF	106.46K	SH	$7.42M 2.92%	578.00	105.88K
APPLE INCSOLE	COM	27.03K	SH	$7.35M 2.89%	0.00	27.03K
WISDOMTREE TRSOLE	WISDOMTREE US VA	77.46K	SH	$7.23M 2.85%	0.00	77.46K
DBX ETF TRSOLE	XTRACK MSCI EAFE	143.91K	SH	$6.92M 2.73%	6.00	143.90K
VANGUARD INDEX FDSSOLE	SMALL CP ETF	25.21K	SH	$6.50M 2.56%	0.00	25.21K
ISHARES TRSOLE	CORE S&P500 ETF	5.97K	SH	$4.09M 1.61%	266.00	5.70K
MICROSOFT CORPSOLE	COM	5.36K	SH	$2.59M 1.02%	11.00	5.34K
AGNICO EAGLE MINES LTDSOLE	COM	14.48K	SH	$2.45M 0.97%	0.00	14.48K
PIMCO ETF TRSOLE	ENHAN SHRT MA AC	21.86K	SH	$2.19M 0.86%	624.00	21.24K
ISHARES TRSOLE	CORE DIV GRWTH	29.17K	SH	$2.02M 0.80%	1.10K	28.07K
J P MORGAN EXCHANGE TRADED FSOLE	SMALL & MID CAP	28.59K	SH	$1.84M 0.72%	812.00	27.78K
AMERICAN CENTY ETF TRSOLE	US LARGE CAP VLU	20.38K	SH	$1.54M 0.61%	0.00	20.38K

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