Top Institutional Investors

ZynergyRetirementPlanningLLC — 13F Holdings & Portfolio

CIK 2031137 · latest 13F-HR filed 2026-10-08

Backtest portfolio

ZynergyRetirementPlanningLLC manages $187.3M in 13F-reported U.S. long-equity assets across 25 reported positions as of its 2026-09-30 13F-HR filing. Its largest disclosed positions are IVV (23.77%), SCHZ (20.64%), SCHF (14.53%). Quarter over quarter (versus its 2026-06-30 filing) the fund opened 0 new positions and exited 1; 4 existing positions rose in reported value and 7 fell.

AUM is the long-equity portion reported on Form 13F-HR. Excludes short positions, cash, foreign holdings, and non-13F assets. For informational purposes only — not investment advice.

Loading holdings…
AUM
$187.3M

Long-equity book

Holdings
25

Distinct positions

Period
2026-09-30

Filed 2026-10-08

Q/Q Activity
+0 / −1 / ↑4 / ↓7

vs 2026-06-30

Portfolio charts

Latest quarter's book, what changed, and how the portfolio has evolved across filings.

Portfolio map

Q3 26
IVV23.8% · -2%SCHZ20.6% · +24%SCHF14.5% · +7%SCHH10.1% · +5%SCHA9.9% · +1%SCHP9.1% · +43%SCHO2.4% · -59%SCHE2.2% · +1%SCHV1.7% · -1%NVDA0.9% · -20%AAPL0.8% · -4%QQQ0.6% · 0%SCHC0.5% · +1%VFH0.3% · -1%VTV0.3% · 0%VEU0.3% · 0%SCHG0.3% · -3%SCHD0.2% · 0%HD0.2% · 0%SCHB0.2% · 0%VB0.2% · 0%GLD0.2% · -3%VYM0.1% · 0%VPU0.1% · 0%NJR0.1% · +1%

Box size = position value; colour = change in share count vs the prior quarter (green added, red trimmed, blue new). Rows split across managers or share classes are combined. Click a box for the stock.

Sector mix

% of 13F value

Sectors from each company's SIC code; funds and ETFs grouped separately.

Biggest buys and sells

Q2 26 → Q3 26

Estimated from the change in shares held × the quarter-end price, so price moves alone don't count as buying. New and exited positions are included.

13F assets and positions

4 quarters

Total reported 13F value (bars) and number of positions (line) each quarter. Value changes include market moves.

Top positions over time

reported value

The eight largest current positions, valued at each quarter end.

Concentration

top 10 = 95.4%

Cumulative share of the portfolio held in the largest N positions.

Firm Profile & Key People

Name Title / Status Ownership Type

Quarter-over-quarter changes

Changes in reported position value vs the prior 13F, so price moves count too, not just shares bought or sold.

Top Adds (vs prior quarter)

Show all 4 →

Top Trims

Show all 7 →

New Positions

  • No new positions this quarter.
Show all 0 →

Exited Positions

Show all 1 →

ZynergyRetirementPlanningLLC Holdings (2026-09-30)

Rows tagged Call or Put are options positions, not stock. Per SEC Form 13F-HR, Value shows the notional value of the underlying (shares covered × underlying price), not the option premium. Shares is the number of underlying shares covered (divide by 100 for contract count).

# Issuer Symbol CUSIP Value Weight Shares Type
1 ISHARES TR IVV 464287200 $44.5M 23.77% 58,112 SH
2 SCHWAB STRATEGIC TR SCHZ 808524839 $38.6M 20.64% 1,748,706 SH
3 SCHWAB STRATEGIC TR SCHF 808524805 $27.2M 14.53% 990,229 SH
4 SCHWAB STRATEGIC TR SCHH 808524847 $19.0M 10.12% 859,959 SH
5 SCHWAB STRATEGIC TR SCHA 808524607 $18.6M 9.93% 569,965 SH
6 SCHWAB STRATEGIC TR SCHP 808524870 $17.0M 9.10% 677,791 SH
7 SCHWAB STRATEGIC TR SCHO 808524862 $4.4M 2.36% 185,546 SH
8 SCHWAB STRATEGIC TR SCHE 808524706 $4.2M 2.25% 115,569 SH
9 SCHWAB STRATEGIC TR SCHV 808524409 $3.2M 1.73% 96,985 SH
10 NVIDIA CORPORATION NVDA 67066G104 $1.8M 0.94% 7,737 SH
11 APPLE INC AAPL 037833100 $1.6M 0.84% 4,703 SH
12 INVESCO QQQ TR QQQ 46090E103 $1.1M 0.57% 1,438 SH
13 SCHWAB STRATEGIC TR SCHC 808524888 $1.0M 0.54% 20,206 SH
14 VANGUARD WORLD FD VFH 92204A405 $631.7K 0.34% 4,856 SH
15 VANGUARD INDEX FDS VTV 922908744 $571.1K 0.30% 2,643 SH
16 VANGUARD INTL EQUITY INDEX F VEU 922042775 $568.7K 0.30% 6,854 SH
17 SCHWAB STRATEGIC TR SCHG 808524300 $540.0K 0.29% 15,028 SH
18 SCHWAB STRATEGIC TR SCHD 808524797 $448.2K 0.24% 13,779 SH
19 HOME DEPOT INC HD 437076102 $426.5K 0.23% 1,499 SH
20 SCHWAB STRATEGIC TR SCHB 808524102 $403.9K 0.22% 13,781 SH
21 VANGUARD INDEX FDS VB 922908751 $385.2K 0.21% 1,354 SH
22 SPDR GOLD TR GLD 78463V107 $325.6K 0.17% 855 SH
23 VANGUARD WHITEHALL FDS VYM 921946406 $261.5K 0.14% 1,685 SH
24 VANGUARD WORLD FD VPU 92204A876 $248.3K 0.13% 1,452 SH
25 NEW JERSEY RES CORP NJR 646025106 $231.8K 0.12% 4,581 SH
Filing History
Period Filed AUM Holdings Accession
2026-09-30 2026-10-08 $187.3M 25 0002031137-26-000003
2026-06-30 2026-07-17 $184.4M 26 0002031137-26-000001
2026-03-31 2026-04-17 $165.4M 26 0002085853-26-000404
2025-12-31 2026-01-09 $162.5M 27 0002085853-26-000023
Filer Information
Address
10 ROUTE 35
3RD FLOOR
RED BANK, NJ 07701
Phone
(732) 784-2380
Filing Manager
ZynergyRetirementPlanningLLC
RED BANK, NJ
Signatory
Michela Zacharczyk
CCO