RUGGAARD & ASSOCIATES LLC

PrivateCIK: 1971230

Location

HUDSON, OH

122

Positions

$252.37M

Total AUM (reported)

4.59M

Total Shares

Allocation by class

COM$40.06M15.9%

SHS CREATION UNI$22.83M9.0%

ULTRA SHRT ETF$14.87M5.9%

CORE PLUS INCM$14.19M5.6%

IBONDS 2026 TERM$12.12M4.8%

IBONDS DEC 29$11.91M4.7%

ACTIVE BOND ETF$11.24M4.5%

Portfolio Concentration

Top 3$43.35M17.2%

4–10$74.08M29.4%

11–25$79.19M31.4%

Rest$55.76M22.1%

Top 3 weight

17.2%

Top 10 weight

46.5%

Voting Authority Distribution

Total shares with voting rights: 4.59M

Sole

Full voting authority

21.03K

% of voting shares0.5%

Shared

Joint voting authority

0.00

% of voting shares0.0%

None

No voting authority

4.57M

% of voting shares99.5%

Investment Discretion (by position count)

Sole122

Shared0

Other0

Dominant voting typeNone · 99.5% of voting shares

Institutional Holdings122

Rows:

J P MORGAN EXCHANGE TRADED F

SOLE

ULTRA SHRT ETF

Shares293.75K

TypeSH

Market value$14.87M

5.89%

Sole

1.62K

Shared

0.00

None

292.13K

CAPITAL GROUP DIVIDEND VALUE

SOLE

SHS CREATION UNI

Shares336.08K

TypeSH

Market value$14.30M

5.66%

Sole

2.02K

Shared

0.00

None

334.06K

CAPITAL GRP FIXED INCM ETF T

SOLE

CORE PLUS INCM

Shares634.98K

TypeSH

Market value$14.19M

5.62%

Sole

3.16K

Shared

0.00

None

631.82K

ISHARES TR

SOLE

IBONDS 2026 TERM

Shares528.26K

TypeSH

Market value$12.12M

4.80%

Sole

0.00

Shared

0.00

None

528.26K

ISHARES TR

SOLE

IBONDS DEC 29

Shares511.83K

TypeSH

Market value$11.91M

4.72%

Sole

Shared

0.00

None

509.83K

J P MORGAN EXCHANGE TRADED F

SOLE

ACTIVE BOND ETF

Shares209.02K

TypeSH

Market value$11.24M

4.45%

Sole

0.00

Shared

0.00

None

209.02K

VANGUARD INDEX FDS

SOLE

MID CAP ETF

Shares38.40K

TypeSH

Market value$11.03M

4.37%

Sole

0.00

Shared

0.00

None

38.40K

INVESCO EXCHANGE TRADED FD T

SOLE

S&P500 QUALITY

Shares140.24K

TypeSH

Market value$10.54M

4.18%

Sole

6.00

Shared

0.00

None

140.24K

INVESCO EXCHANGE TRADED FD T

SOLE

S&P500 EQL WGT

Shares45.33K

TypeSH

Market value$8.70M

3.45%

Sole

0.00

Shared

0.00

None

45.33K

CAPITAL GROUP GBL GROWTH EQT

SOLE

SHS CREATION UNI

Shares255.84K

TypeSH

Market value$8.54M

3.38%

Sole

1.88K

Shared

0.00

None

253.96K

AMERICAN CENTY ETF TR

SOLE

US QUALITY GROW

Shares81.04K

TypeSH

Market value$8.51M

3.37%

Sole

733.00

Shared

0.00

None

80.31K

BNY MELLON ETF TRUST II

SOLE

DYNAMIC VALUE

Shares264.30K

TypeSH

Market value$7.84M

3.11%

Sole

0.00

Shared

0.00

None

264.30K

WISDOMTREE TR

SOLE

WISDOMTREE US VA

Shares80.07K

TypeSH

Market value$7.59M

3.01%

Sole

0.00

Shared

0.00

None

80.07K

ISHARES TR

SOLE

RUS 1000 GRW ETF

Shares17.63K

TypeSH

Market value$7.52M

2.98%

Sole

0.00

Shared

0.00

None

17.63K

DBX ETF TR

SOLE

XTRACK MSCI EAFE

Shares149.61K

TypeSH

Market value$7.39M

2.93%

Sole

6.00

Shared

0.00

None

149.61K

DIMENSIONAL ETF TRUST

SOLE

US SMALL CAP ETF

Shares103.86K

TypeSH

Market value$7.39M

2.93%

Sole

627.00

Shared

0.00

None

103.23K

APPLE INC

SOLE

COM

Shares27K

TypeSH

Market value$6.85M

2.71%

Sole

0.00

Shared

0.00

None

27K

VANGUARD INDEX FDS

SOLE

SMALL CP ETF

Shares24.86K

TypeSH

Market value$6.51M

2.58%

Sole

0.00

Shared

0.00

None

24.86K

VANGUARD STAR FDS

SOLE

VG TL INTL STK F

Shares59.70K

TypeSH

Market value$4.60M

1.82%

Sole

0.00

Shared

0.00

None

59.70K

ISHARES TR

SOLE

CORE S&P500 ETF

Shares5.77K

TypeSH

Market value$3.77M

1.49%

Sole

256.00

Shared

0.00

None

5.52K

AGNICO EAGLE MINES LTD

SOLE

COM

Shares14.31K

TypeSH

Market value$2.90M

1.15%

Sole

0.00

Shared

0.00

None

14.31K

PIMCO ETF TR

SOLE

ENHAN SHRT MA AC

Shares23.43K

TypeSH

Market value$2.36M

0.93%

Sole

632.00

Shared

0.00

None

22.80K

ISHARES TR

SOLE

CORE DIV GRWTH

Shares30.64K

TypeSH

Market value$2.15M

0.85%

Sole

1.17K

Shared

0.00

None

29.47K

MICROSOFT CORP

SOLE

COM

Shares5.36K

TypeSH

Market value$1.98M

0.79%

Sole

11.00

Shared

0.00

None

5.35K

J P MORGAN EXCHANGE TRADED F

SOLE

SMALL & MID CAP

Shares27.26K

TypeSH

Market value$1.82M

0.72%

Sole

788.00

Shared

0.00

None

26.47K

Issuer	Class	Shares	Type	Value / Portfolio %	Voting — Sole	None
J P MORGAN EXCHANGE TRADED FSOLE	ULTRA SHRT ETF	293.75K	SH	$14.87M 5.89%	1.62K	292.13K
CAPITAL GROUP DIVIDEND VALUESOLE	SHS CREATION UNI	336.08K	SH	$14.30M 5.66%	2.02K	334.06K
CAPITAL GRP FIXED INCM ETF TSOLE	CORE PLUS INCM	634.98K	SH	$14.19M 5.62%	3.16K	631.82K
ISHARES TRSOLE	IBONDS 2026 TERM	528.26K	SH	$12.12M 4.80%	0.00	528.26K
ISHARES TRSOLE	IBONDS DEC 29	511.83K	SH	$11.91M 4.72%	2K	509.83K
J P MORGAN EXCHANGE TRADED FSOLE	ACTIVE BOND ETF	209.02K	SH	$11.24M 4.45%	0.00	209.02K
VANGUARD INDEX FDSSOLE	MID CAP ETF	38.40K	SH	$11.03M 4.37%	0.00	38.40K
INVESCO EXCHANGE TRADED FD TSOLE	S&P500 QUALITY	140.24K	SH	$10.54M 4.18%	6.00	140.24K
INVESCO EXCHANGE TRADED FD TSOLE	S&P500 EQL WGT	45.33K	SH	$8.70M 3.45%	0.00	45.33K
CAPITAL GROUP GBL GROWTH EQTSOLE	SHS CREATION UNI	255.84K	SH	$8.54M 3.38%	1.88K	253.96K
AMERICAN CENTY ETF TRSOLE	US QUALITY GROW	81.04K	SH	$8.51M 3.37%	733.00	80.31K
BNY MELLON ETF TRUST IISOLE	DYNAMIC VALUE	264.30K	SH	$7.84M 3.11%	0.00	264.30K
WISDOMTREE TRSOLE	WISDOMTREE US VA	80.07K	SH	$7.59M 3.01%	0.00	80.07K
ISHARES TRSOLE	RUS 1000 GRW ETF	17.63K	SH	$7.52M 2.98%	0.00	17.63K
DBX ETF TRSOLE	XTRACK MSCI EAFE	149.61K	SH	$7.39M 2.93%	6.00	149.61K
DIMENSIONAL ETF TRUSTSOLE	US SMALL CAP ETF	103.86K	SH	$7.39M 2.93%	627.00	103.23K
APPLE INCSOLE	COM	27K	SH	$6.85M 2.71%	0.00	27K
VANGUARD INDEX FDSSOLE	SMALL CP ETF	24.86K	SH	$6.51M 2.58%	0.00	24.86K
VANGUARD STAR FDSSOLE	VG TL INTL STK F	59.70K	SH	$4.60M 1.82%	0.00	59.70K
ISHARES TRSOLE	CORE S&P500 ETF	5.77K	SH	$3.77M 1.49%	256.00	5.52K
AGNICO EAGLE MINES LTDSOLE	COM	14.31K	SH	$2.90M 1.15%	0.00	14.31K
PIMCO ETF TRSOLE	ENHAN SHRT MA AC	23.43K	SH	$2.36M 0.93%	632.00	22.80K
ISHARES TRSOLE	CORE DIV GRWTH	30.64K	SH	$2.15M 0.85%	1.17K	29.47K
MICROSOFT CORPSOLE	COM	5.36K	SH	$1.98M 0.79%	11.00	5.35K
J P MORGAN EXCHANGE TRADED FSOLE	SMALL & MID CAP	27.26K	SH	$1.82M 0.72%	788.00	26.47K

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