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ZynergyRetirementPlanningLLC

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13F filer, CIK 2031137, RED BANK, NJ

ZynergyRetirementPlanningLLC reported $158,556,127 across 28 holdings for the quarter ended 2025-09-30, in a 13F-HR filed 2025-10-08. Its ten largest share positions make up 94.79% of the portfolio.

Filed (acceptance time not in the bulk data set), ingested 13F-HR 0002085853-25-000029

Period
2025-09-30
Reported value
$159M
Holdings
28
Top 10 weight
94.79%
New
3
Sold out
0

Largest buys vs the previous quarter

SecurityShares changeApprox. value
SCHZadded+28,472$668K
LULUnew+3,000$534K
SCHHadded+16,948$366K
NJRnew+4,414$213K
ITAnew+964$202K

Ranked by the share change valued at this quarter's implied price (value over shares in the 13F). A position sold out is valued at the previous quarter's price, its last report.

Largest sells vs the previous quarter

SecurityShares changeApprox. value
IVVreduced-302-$202K
SCHFreduced-1,833-$42.7K
SCHVreduced-1,464-$42.6K
HDreduced-53-$21.5K
VYMreduced-144-$20.3K

Ranked by the share change valued at this quarter's implied price (value over shares in the 13F). A position sold out is valued at the previous quarter's price, its last report.

Holdings, Q3 2025

Share positions as resolved from 13F-HR 0002085853-25-000029, largest first. % of portfolio is the value over $158,556,127, the sum of the share positions whose value is usable for ratios (method).

SecurityHistorySharesValue% of portfolioChangeLatest eventTimeline
IVVISHARES TRQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2023Q4: restricted; 2024Q1: restricted; 2024Q2: restricted; 2024Q3: restricted; 2024Q4: 52,653 shares; 2025Q1: 54,243 shares; 2025Q2: 57,059 shares; 2025Q3: 56,757 shares 56,757$38M23.96%-302Timeline
SCHZSCHWAB STRATEGIC TRQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2023Q4: restricted; 2024Q1: restricted; 2024Q2: restricted; 2024Q3: restricted; 2024Q4: 562,226 shares; 2025Q1: 1,164,805 shares; 2025Q2: 1,221,958 shares; 2025Q3: 1,250,430 shares 1,250,430$29.3M18.51%+28,472Timeline
SCHFSCHWAB STRATEGIC TRQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2023Q4: restricted; 2024Q1: restricted; 2024Q2: restricted; 2024Q3: restricted; 2024Q4: 438,132 shares; 2025Q1: 916,611 shares; 2025Q2: 939,774 shares; 2025Q3: 937,941 shares 937,941$21.8M13.77%-1,833Timeline
SCHHSCHWAB STRATEGIC TRQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2023Q4: restricted; 2024Q1: restricted; 2024Q2: restricted; 2024Q3: restricted; 2024Q4: 673,547 shares; 2025Q1: 690,665 shares; 2025Q2: 729,453 shares; 2025Q3: 746,401 shares 746,401$16.1M10.15%+16,948Timeline
SCHASCHWAB STRATEGIC TRQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2023Q4: restricted; 2024Q1: restricted; 2024Q2: restricted; 2024Q3: restricted; 2024Q4: 265,573 shares; 2025Q1: 531,114 shares; 2025Q2: 566,783 shares; 2025Q3: 571,869 shares 571,869$16M10.06%+5,086Timeline
SCHPSCHWAB STRATEGIC TRQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2023Q4: restricted; 2024Q1: restricted; 2024Q2: restricted; 2024Q3: restricted; 2024Q4: 204,741 shares; 2025Q1: 416,115 shares; 2025Q2: 423,520 shares; 2025Q3: 429,411 shares 429,411$11.6M7.3%+5,891Timeline
SCHOSCHWAB STRATEGIC TRQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2023Q4: restricted; 2024Q1: restricted; 2024Q2: restricted; 2024Q3: restricted; 2024Q4: 170,994 shares; 2025Q1: 383,699 shares; 2025Q2: 375,085 shares; 2025Q3: 381,363 shares 381,363$9.31M5.87%+6,278Timeline
SCHESCHWAB STRATEGIC TRQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2023Q4: restricted; 2024Q1: restricted; 2024Q2: restricted; 2024Q3: restricted; 2024Q4: 113,924 shares; 2025Q1: 112,755 shares; 2025Q2: 115,021 shares; 2025Q3: 115,668 shares 115,668$3.86M2.43%+647Timeline
SCHVSCHWAB STRATEGIC TRQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2023Q4: restricted; 2024Q1: restricted; 2024Q2: restricted; 2024Q3: restricted; 2024Q4: 44,711 shares; 2025Q1: 123,450 shares; 2025Q2: 103,492 shares; 2025Q3: 102,028 shares 102,028$2.97M1.87%-1,464Timeline
AAPLAPPLE INCQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2023Q4: restricted; 2024Q1: restricted; 2024Q2: restricted; 2024Q3: restricted; 2024Q4: 4,734 shares; 2025Q1: 5,346 shares; 2025Q2: 5,346 shares; 2025Q3: 5,346 shares 5,346$1.36M0.86%0Timeline
SCHCSCHWAB STRATEGIC TRQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2023Q4: restricted; 2024Q1: restricted; 2024Q2: restricted; 2024Q3: restricted; 2024Q4: 17,370 shares; 2025Q1: 17,931 shares; 2025Q2: 20,344 shares; 2025Q3: 20,510 shares 20,510$933K0.59%+166Timeline
QQQINVESCO QQQ TRQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2023Q4: restricted; 2024Q1: restricted; 2024Q2: restricted; 2024Q3: restricted; 2024Q4: 1,480 shares; 2025Q1: 1,480 shares; 2025Q2: 1,480 shares; 2025Q3: 1,480 shares 1,480$889K0.56%0Timeline
HDHOME DEPOT INCQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2023Q4: restricted; 2024Q1: restricted; 2024Q2: restricted; 2024Q3: restricted; 2024Q4: 1,771 shares; 2025Q1: 1,741 shares; 2025Q2: 1,659 shares; 2025Q3: 1,606 shares 1,606$651K0.41%-53Timeline
VFHVANGUARD WORLD FDQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2023Q4: restricted; 2024Q1: restricted; 2024Q2: restricted; 2024Q3: restricted; 2024Q4: 5,143 shares; 2025Q1: 5,091 shares; 2025Q2: 4,951 shares; 2025Q3: 4,919 shares 4,919$646K0.41%-32Timeline
SCHGSCHWAB STRATEGIC TRQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2023Q4: restricted; 2024Q1: restricted; 2024Q2: restricted; 2024Q3: restricted; 2024Q4: 6,110 shares; 2025Q1: 23,495 shares; 2025Q2: 17,664 shares; 2025Q3: 17,575 shares 17,575$561K0.35%-89Timeline
LULULULULEMON ATHLETICA INCQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2023Q4: restricted; 2024Q1: restricted; 2024Q2: restricted; 2024Q3: restricted; 2024Q4: not reported; 2025Q1: not reported; 2025Q2: not reported; 2025Q3: 3,000 shares 3,000$534K0.34%newTimeline
VTVVANGUARD INDEX FDSQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2023Q4: restricted; 2024Q1: restricted; 2024Q2: restricted; 2024Q3: restricted; 2024Q4: 2,721 shares; 2025Q1: 2,698 shares; 2025Q2: 2,643 shares; 2025Q3: 2,643 shares 2,643$493K0.31%0Timeline
VEUVANGUARD INTL EQUITY INDEX FQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2023Q4: restricted; 2024Q1: restricted; 2024Q2: restricted; 2024Q3: restricted; 2024Q4: 7,267 shares; 2025Q1: 6,854 shares; 2025Q2: 6,854 shares; 2025Q3: 6,854 shares 6,854$489K0.31%0Timeline
JPMJPMORGAN CHASE & COQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2023Q4: restricted; 2024Q1: restricted; 2024Q2: restricted; 2024Q3: restricted; 2024Q4: 1,189 shares; 2025Q1: 1,189 shares; 2025Q2: 1,321 shares; 2025Q3: 1,321 shares 1,321$417K0.26%0Timeline
SCHDSCHWAB STRATEGIC TRQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2023Q4: restricted; 2024Q1: restricted; 2024Q2: restricted; 2024Q3: restricted; 2024Q4: 5,548 shares; 2025Q1: 16,956 shares; 2025Q2: 15,277 shares; 2025Q3: 15,090 shares 15,090$412K0.26%-187Timeline
SCHBSCHWAB STRATEGIC TRQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2023Q4: restricted; 2024Q1: restricted; 2024Q2: restricted; 2024Q3: restricted; 2024Q4: 5,125 shares; 2025Q1: 15,423 shares; 2025Q2: 13,860 shares; 2025Q3: 13,868 shares 13,868$357K0.22%+8Timeline
VBVANGUARD INDEX FDSQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2023Q4: restricted; 2024Q1: restricted; 2024Q2: restricted; 2024Q3: restricted; 2024Q4: 1,412 shares; 2025Q1: 1,412 shares; 2025Q2: 1,354 shares; 2025Q3: 1,354 shares 1,354$344K0.22%0Timeline
GLDSPDR GOLD TRQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2023Q4: restricted; 2024Q1: restricted; 2024Q2: restricted; 2024Q3: restricted; 2024Q4: 2,113 shares; 2025Q1: 1,730 shares; 2025Q2: 992 shares; 2025Q3: 961 shares 961$342K0.22%-31Timeline
VPUVANGUARD WORLD FDQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2023Q4: restricted; 2024Q1: restricted; 2024Q2: restricted; 2024Q3: restricted; 2024Q4: 1,459 shares; 2025Q1: 1,459 shares; 2025Q2: 1,452 shares; 2025Q3: 1,452 shares 1,452$275K0.17%0Timeline
NVDANVIDIA CORPORATIONQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2023Q4: restricted; 2024Q1: restricted; 2024Q2: restricted; 2024Q3: restricted; 2024Q4: 1,271 shares; 2025Q1: 1,271 shares; 2025Q2: 1,375 shares; 2025Q3: 1,376 shares 1,376$257K0.16%+1Timeline
VYMVANGUARD WHITEHALL FDSQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2023Q4: restricted; 2024Q1: restricted; 2024Q2: restricted; 2024Q3: restricted; 2024Q4: 1,916 shares; 2025Q1: 1,916 shares; 2025Q2: 1,916 shares; 2025Q3: 1,772 shares 1,772$250K0.16%-144Timeline
NJRNEW JERSEY RES CORPQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2023Q4: restricted; 2024Q1: restricted; 2024Q2: restricted; 2024Q3: restricted; 2024Q4: 4,248 shares; 2025Q1: 4,289 shares; 2025Q2: not reported; 2025Q3: 4,414 shares 4,414$213K0.13%newTimeline
ITAISHARES TRQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2023Q4: restricted; 2024Q1: restricted; 2024Q2: restricted; 2024Q3: restricted; 2024Q4: 964 shares; 2025Q1: 964 shares; 2025Q2: not reported; 2025Q3: 964 shares 964$202K0.13%newTimeline

How Q3 2025 was built

Available 13F filings of this filer for the quarter and their roles: the base report is the latest original or restatement, NEW HOLDINGS amendments filed after it are added (method).

FilingRoleAmendmentFiledAcceptedIngested
13F-HR 0002085853-25-000029 base2025-10-08acceptance time not in the bulk data set