Filed: 1/9/2026ACC: 0002085853-26-000023
📋 What this filing means
ZYNERGYRETIREMENTPLANNINGLLC filed this quarterly 13F‑HR report disclosing 26 equity positions with a total reported market value of $162.53M. This filing provides a transparent view of the manager's long equity holdings as of the quarter end.
26
Positions
$162.53M
Total AUM (reported)
4.82M
Total Shares
Allocation by class
CORE S&P500 ETF$39.12M24.1%
US AGGREGATE B$29.25M18.0%
INTL EQTY ETF$22.61M13.9%
US SML CAP ETF$16.58M10.2%
US REIT ETF$15.70M9.7%
SHT TM US TRES$11.79M7.3%
US TIPS ETF$11.23M6.9%
Portfolio Concentration
Top 3$90.98M56.0%
4–10$63.67M39.2%
11–25$7.68M4.7%
Rest$201.8K0.1%
Top 3 weight
56.0%
Top 10 weight
95.2%
Voting Authority Distribution
Total shares with voting rights: 4.81M
Sole
Full voting authority
0.00
shares
% of voting shares0.0%
Shared
Joint voting authority
0.00
shares
% of voting shares0.0%
None
No voting authority
4.81M
shares
% of voting shares100.0%
Investment Discretion (by position count)
Sole26
Shared0
Other0
Dominant voting typeNone · 100.0% of voting shares
Institutional Holdings26
Rows:
ISHARES TR
SOLEShares57.12K
TypeSH
Market value$39.12M
24.07%
Sole
0.00
Shared
0.00
None
57.12K
SCHWAB STRATEGIC TR
SOLEShares1.25M
TypeSH
Market value$29.25M
18.00%
Sole
0.00
Shared
0.00
None
1.25M
SCHWAB STRATEGIC TR
SOLEShares940.60K
TypeSH
Market value$22.61M
13.91%
Sole
0.00
Shared
0.00
None
940.60K
SCHWAB STRATEGIC TR
SOLEShares582.31K
TypeSH
Market value$16.58M
10.20%
Sole
0.00
Shared
0.00
None
582.31K
SCHWAB STRATEGIC TR
SOLEShares751.59K
TypeSH
Market value$15.70M
9.66%
Sole
0.00
Shared
0.00
None
751.59K
SCHWAB STRATEGIC TR
SOLEShares483.96K
TypeSH
Market value$11.79M
7.26%
Sole
0.00
Shared
0.00
None
483.96K
SCHWAB STRATEGIC TR
SOLEShares424.09K
TypeSH
Market value$11.23M
6.91%
Sole
0.00
Shared
0.00
None
424.09K
SCHWAB STRATEGIC TR
SOLEShares118.62K
TypeSH
Market value$3.88M
2.39%
Sole
0.00
Shared
0.00
None
118.62K
SCHWAB STRATEGIC TR
SOLEShares101.81K
TypeSH
Market value$3.01M
1.85%
Sole
0.00
Shared
0.00
None
101.81K
APPLE INC
SOLEShares5.35K
TypeSH
Market value$1.45M
0.89%
Sole
0.00
Shared
0.00
None
5.35K
SCHWAB STRATEGIC TR
SOLEShares21.78K
TypeSH
Market value$991.5K
0.61%
Sole
0.00
Shared
0.00
None
21.78K
INVESCO QQQ TR
SOLEShares1.44K
TypeSH
Market value$886.4K
0.55%
Sole
0.00
Shared
0.00
None
1.44K
NVIDIA CORPORATION
SOLEShares4.45K
TypeSH
Market value$829.7K
0.51%
Sole
0.00
Shared
0.00
None
1.45K
VANGUARD WORLD FD
SOLEShares4.92K
TypeSH
Market value$656.6K
0.40%
Sole
0.00
Shared
0.00
None
4.92K
SCHWAB STRATEGIC TR
SOLEShares16.73K
TypeSH
Market value$545.6K
0.34%
Sole
0.00
Shared
0.00
None
16.73K
HOME DEPOT INC
SOLEShares1.55K
TypeSH
Market value$535.1K
0.33%
Sole
0.00
Shared
0.00
None
1.55K
VANGUARD INDEX FDS
SOLEShares2.64K
TypeSH
Market value$504.8K
0.31%
Sole
0.00
Shared
0.00
None
2.64K
VANGUARD INTL EQUITY INDEX F
SOLEShares6.85K
TypeSH
Market value$504.2K
0.31%
Sole
0.00
Shared
0.00
None
6.85K
SCHWAB STRATEGIC TR
SOLEShares15.30K
TypeSH
Market value$419.7K
0.26%
Sole
0.00
Shared
0.00
None
15.30K
SPDR GOLD TR
SOLEShares917.00
TypeSH
Market value$363.4K
0.22%
Sole
0.00
Shared
0.00
None
917.00
SCHWAB STRATEGIC TR
SOLEShares13.78K
TypeSH
Market value$361.5K
0.22%
Sole
0.00
Shared
0.00
None
13.78K
VANGUARD INDEX FDS
SOLEShares1.35K
TypeSH
Market value$349.3K
0.21%
Sole
0.00
Shared
0.00
None
1.35K
VANGUARD WORLD FD
SOLEShares1.45K
TypeSH
Market value$268.7K
0.17%
Sole
0.00
Shared
0.00
None
1.45K
VANGUARD WHITEHALL FDS
SOLEShares1.77K
TypeSH
Market value$254.3K
0.16%
Sole
0.00
Shared
0.00
None
1.77K
NEW JERSEY RES CORP
SOLEShares4.46K
TypeSH
Market value$205.6K
0.13%
Sole
0.00
Shared
0.00
None
4.46K
| Issuer | Class | Shares | Type | Value / Portfolio % | Voting — Sole | Shared | None |
|---|---|---|---|---|---|---|---|
ISHARES TRSOLE | CORE S&P500 ETF | 57.12K | SH | $39.12M 24.07% | 0.00 | 0.00 | 57.12K |
SCHWAB STRATEGIC TRSOLE | US AGGREGATE B | 1.25M | SH | $29.25M 18.00% | 0.00 | 0.00 | 1.25M |
SCHWAB STRATEGIC TRSOLE | INTL EQTY ETF | 940.60K | SH | $22.61M 13.91% | 0.00 | 0.00 | 940.60K |
SCHWAB STRATEGIC TRSOLE | US SML CAP ETF | 582.31K | SH | $16.58M 10.20% | 0.00 | 0.00 | 582.31K |
SCHWAB STRATEGIC TRSOLE | US REIT ETF | 751.59K | SH | $15.70M 9.66% | 0.00 | 0.00 | 751.59K |
SCHWAB STRATEGIC TRSOLE | SHT TM US TRES | 483.96K | SH | $11.79M 7.26% | 0.00 | 0.00 | 483.96K |
SCHWAB STRATEGIC TRSOLE | US TIPS ETF | 424.09K | SH | $11.23M 6.91% | 0.00 | 0.00 | 424.09K |
SCHWAB STRATEGIC TRSOLE | EMRG MKTEQ ETF | 118.62K | SH | $3.88M 2.39% | 0.00 | 0.00 | 118.62K |
SCHWAB STRATEGIC TRSOLE | US LCAP VA ETF | 101.81K | SH | $3.01M 1.85% | 0.00 | 0.00 | 101.81K |
APPLE INCSOLE | COM | 5.35K | SH | $1.45M 0.89% | 0.00 | 0.00 | 5.35K |
SCHWAB STRATEGIC TRSOLE | INTL SCEQT ETF | 21.78K | SH | $991.5K 0.61% | 0.00 | 0.00 | 21.78K |
INVESCO QQQ TRSOLE | UNIT SER 1 | 1.44K | SH | $886.4K 0.55% | 0.00 | 0.00 | 1.44K |
NVIDIA CORPORATIONSOLE | COM | 4.45K | SH | $829.7K 0.51% | 0.00 | 0.00 | 1.45K |
VANGUARD WORLD FDSOLE | FINANCIALS ETF | 4.92K | SH | $656.6K 0.40% | 0.00 | 0.00 | 4.92K |
SCHWAB STRATEGIC TRSOLE | US LCAP GR ETF | 16.73K | SH | $545.6K 0.34% | 0.00 | 0.00 | 16.73K |
HOME DEPOT INCSOLE | COM | 1.55K | SH | $535.1K 0.33% | 0.00 | 0.00 | 1.55K |
VANGUARD INDEX FDSSOLE | VALUE ETF | 2.64K | SH | $504.8K 0.31% | 0.00 | 0.00 | 2.64K |
VANGUARD INTL EQUITY INDEX FSOLE | ALLWRLD EX US | 6.85K | SH | $504.2K 0.31% | 0.00 | 0.00 | 6.85K |
SCHWAB STRATEGIC TRSOLE | US DIVIDEND EQ | 15.30K | SH | $419.7K 0.26% | 0.00 | 0.00 | 15.30K |
SPDR GOLD TRSOLE | GOLD SHS | 917.00 | SH | $363.4K 0.22% | 0.00 | 0.00 | 917.00 |
SCHWAB STRATEGIC TRSOLE | US BRD MKT ETF | 13.78K | SH | $361.5K 0.22% | 0.00 | 0.00 | 13.78K |
VANGUARD INDEX FDSSOLE | SMALL CP ETF | 1.35K | SH | $349.3K 0.21% | 0.00 | 0.00 | 1.35K |
VANGUARD WORLD FDSOLE | UTILITIES ETF | 1.45K | SH | $268.7K 0.17% | 0.00 | 0.00 | 1.45K |
VANGUARD WHITEHALL FDSSOLE | HIGH DIV YLD | 1.77K | SH | $254.3K 0.16% | 0.00 | 0.00 | 1.77K |
NEW JERSEY RES CORPSOLE | COM | 4.46K | SH | $205.6K 0.13% | 0.00 | 0.00 | 4.46K |
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