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Disclosery

ZynergyRetirementPlanningLLC

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13F filer, CIK 2031137, RED BANK, NJ

ZynergyRetirementPlanningLLC reported $162,526,611 across 27 holdings for the quarter ended 2025-12-31, in a 13F-HR filed 2026-01-09. Its ten largest share positions make up 95.48% of the portfolio.

Filed (acceptance time not in the bulk data set), ingested 13F-HR 0002085853-26-000023

Period
2025-12-31
Reported value
$163M
Holdings
27
Top 10 weight
95.48%
New
1
Sold out
2

Largest buys vs the previous quarter

SecurityShares changeApprox. value
SCHOadded+102,601$2.5M
SCHAadded+10,442$297K
IVVadded+360$247K
SCHHadded+5,189$108K
SCHEadded+2,955$96.8K

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
LULUexited-3,000-$534K
JPMexited-1,321-$417K
SCHPreduced-5,318-$141K
SCHGreduced-848-$27.7K
QQQreduced-37-$22.7K

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, Q4 2025

Share positions as resolved from 13F-HR 0002085853-26-000023, largest first. % of portfolio is the value over $161,967,111, 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; 2024Q1: restricted; 2024Q2: restricted; 2024Q3: restricted; 2024Q4: 52,653 shares; 2025Q1: 54,243 shares; 2025Q2: 57,059 shares; 2025Q3: 56,757 shares; 2025Q4: 57,117 shares 57,117$39.1M24.15%+360Timeline
SCHZSCHWAB STRATEGIC TRQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 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; 2025Q4: 1,251,547 shares 1,251,547$29.2M18.06%+1,117Timeline
SCHFSCHWAB STRATEGIC TRQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2024Q1: restricted; 2024Q2: restricted; 2024Q3: restricted; 2024Q4: 438,132 shares; 2025Q1: 916,611 shares; 2025Q2: 939,774 shares; 2025Q3: 937,941 shares; 2025Q4: 940,599 shares 940,599$22.6M13.96%+2,658Timeline
SCHASCHWAB STRATEGIC TRQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2024Q1: restricted; 2024Q2: restricted; 2024Q3: restricted; 2024Q4: 265,573 shares; 2025Q1: 531,114 shares; 2025Q2: 566,783 shares; 2025Q3: 571,869 shares; 2025Q4: 582,311 shares 582,311$16.6M10.24%+10,442Timeline
SCHHSCHWAB STRATEGIC TRQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2024Q1: restricted; 2024Q2: restricted; 2024Q3: restricted; 2024Q4: 673,547 shares; 2025Q1: 690,665 shares; 2025Q2: 729,453 shares; 2025Q3: 746,401 shares; 2025Q4: 751,590 shares 751,590$15.7M9.69%+5,189Timeline
SCHOSCHWAB STRATEGIC TRQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2024Q1: restricted; 2024Q2: restricted; 2024Q3: restricted; 2024Q4: 170,994 shares; 2025Q1: 383,699 shares; 2025Q2: 375,085 shares; 2025Q3: 381,363 shares; 2025Q4: 483,964 shares 483,964$11.8M7.28%+102,601Timeline
SCHPSCHWAB STRATEGIC TRQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2024Q1: restricted; 2024Q2: restricted; 2024Q3: restricted; 2024Q4: 204,741 shares; 2025Q1: 416,115 shares; 2025Q2: 423,520 shares; 2025Q3: 429,411 shares; 2025Q4: 424,093 shares 424,093$11.2M6.94%-5,318Timeline
SCHESCHWAB STRATEGIC TRQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2024Q1: restricted; 2024Q2: restricted; 2024Q3: restricted; 2024Q4: 113,924 shares; 2025Q1: 112,755 shares; 2025Q2: 115,021 shares; 2025Q3: 115,668 shares; 2025Q4: 118,623 shares 118,623$3.88M2.4%+2,955Timeline
SCHVSCHWAB STRATEGIC TRQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2024Q1: restricted; 2024Q2: restricted; 2024Q3: restricted; 2024Q4: 44,711 shares; 2025Q1: 123,450 shares; 2025Q2: 103,492 shares; 2025Q3: 102,028 shares; 2025Q4: 101,806 shares 101,806$3.01M1.86%-222Timeline
AAPLAPPLE INCQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2024Q1: restricted; 2024Q2: restricted; 2024Q3: restricted; 2024Q4: 4,734 shares; 2025Q1: 5,346 shares; 2025Q2: 5,346 shares; 2025Q3: 5,346 shares; 2025Q4: 5,346 shares 5,346$1.45M0.9%0Timeline
SCHCSCHWAB STRATEGIC TRQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2024Q1: restricted; 2024Q2: restricted; 2024Q3: restricted; 2024Q4: 17,370 shares; 2025Q1: 17,931 shares; 2025Q2: 20,344 shares; 2025Q3: 20,510 shares; 2025Q4: 21,776 shares 21,776$991K0.61%+1,266Timeline
QQQINVESCO QQQ TRQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2024Q1: restricted; 2024Q2: restricted; 2024Q3: restricted; 2024Q4: 1,480 shares; 2025Q1: 1,480 shares; 2025Q2: 1,480 shares; 2025Q3: 1,480 shares; 2025Q4: 1,443 shares 1,443$886K0.55%-37Timeline
VFHVANGUARD WORLD FDQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2024Q1: restricted; 2024Q2: restricted; 2024Q3: restricted; 2024Q4: 5,143 shares; 2025Q1: 5,091 shares; 2025Q2: 4,951 shares; 2025Q3: 4,919 shares; 2025Q4: 4,919 shares 4,919$657K0.41%0Timeline
SCHGSCHWAB STRATEGIC TRQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2024Q1: restricted; 2024Q2: restricted; 2024Q3: restricted; 2024Q4: 6,110 shares; 2025Q1: 23,495 shares; 2025Q2: 17,664 shares; 2025Q3: 17,575 shares; 2025Q4: 16,727 shares 16,727$546K0.34%-848Timeline
HDHOME DEPOT INCQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2024Q1: restricted; 2024Q2: restricted; 2024Q3: restricted; 2024Q4: 1,771 shares; 2025Q1: 1,741 shares; 2025Q2: 1,659 shares; 2025Q3: 1,606 shares; 2025Q4: 1,555 shares 1,555$535K0.33%-51Timeline
VTVVANGUARD INDEX FDSQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2024Q1: restricted; 2024Q2: restricted; 2024Q3: restricted; 2024Q4: 2,721 shares; 2025Q1: 2,698 shares; 2025Q2: 2,643 shares; 2025Q3: 2,643 shares; 2025Q4: 2,643 shares 2,643$505K0.31%0Timeline
VEUVANGUARD INTL EQUITY INDEX FQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2024Q1: restricted; 2024Q2: restricted; 2024Q3: restricted; 2024Q4: 7,267 shares; 2025Q1: 6,854 shares; 2025Q2: 6,854 shares; 2025Q3: 6,854 shares; 2025Q4: 6,854 shares 6,854$504K0.31%0Timeline
SCHDSCHWAB STRATEGIC TRQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2024Q1: restricted; 2024Q2: restricted; 2024Q3: restricted; 2024Q4: 5,548 shares; 2025Q1: 16,956 shares; 2025Q2: 15,277 shares; 2025Q3: 15,090 shares; 2025Q4: 15,299 shares 15,299$420K0.26%+209Timeline
GLDSPDR GOLD TRQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2024Q1: restricted; 2024Q2: restricted; 2024Q3: restricted; 2024Q4: 2,113 shares; 2025Q1: 1,730 shares; 2025Q2: 992 shares; 2025Q3: 961 shares; 2025Q4: 917 shares 917$363K0.22%-44Timeline
SCHBSCHWAB STRATEGIC TRQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2024Q1: restricted; 2024Q2: restricted; 2024Q3: restricted; 2024Q4: 5,125 shares; 2025Q1: 15,423 shares; 2025Q2: 13,860 shares; 2025Q3: 13,868 shares; 2025Q4: 13,781 shares 13,781$361K0.22%-87Timeline
VBVANGUARD INDEX FDSQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2024Q1: restricted; 2024Q2: restricted; 2024Q3: restricted; 2024Q4: 1,412 shares; 2025Q1: 1,412 shares; 2025Q2: 1,354 shares; 2025Q3: 1,354 shares; 2025Q4: 1,354 shares 1,354$349K0.22%0Timeline
NVDANVIDIA CORPORATIONQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2024Q1: restricted; 2024Q2: restricted; 2024Q3: restricted; 2024Q4: 1,271 shares; 2025Q1: 1,271 shares; 2025Q2: 1,375 shares; 2025Q3: 1,376 shares; 2025Q4: 1,449 shares 1,449$270K0.17%+73Timeline
VPUVANGUARD WORLD FDQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2024Q1: restricted; 2024Q2: restricted; 2024Q3: restricted; 2024Q4: 1,459 shares; 2025Q1: 1,459 shares; 2025Q2: 1,452 shares; 2025Q3: 1,452 shares; 2025Q4: 1,452 shares 1,452$269K0.17%0Timeline
VYMVANGUARD WHITEHALL FDSQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2024Q1: restricted; 2024Q2: restricted; 2024Q3: restricted; 2024Q4: 1,916 shares; 2025Q1: 1,916 shares; 2025Q2: 1,916 shares; 2025Q3: 1,772 shares; 2025Q4: 1,772 shares 1,772$254K0.16%0Timeline
NJRNEW JERSEY RES CORPQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2024Q1: restricted; 2024Q2: restricted; 2024Q3: restricted; 2024Q4: 4,248 shares; 2025Q1: 4,289 shares; 2025Q2: not reported; 2025Q3: 4,414 shares; 2025Q4: 4,457 shares 4,457$206K0.13%+43Timeline
ITAISHARES TRQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2024Q1: restricted; 2024Q2: restricted; 2024Q3: restricted; 2024Q4: 964 shares; 2025Q1: 964 shares; 2025Q2: not reported; 2025Q3: 964 shares; 2025Q4: 940 shares 940$202K0.12%-24Timeline

Options

Puts and calls, as filed. The amount and value describe the underlying shares, not the option premium, so they stay out of % of portfolio (H5).

SecurityTypeAmountValueChange
NVDANVIDIA CORPORATION COMput3,000$560Knew

Sold out in Q4 2025

Positions in the previous quarter's report that this quarter's report no longer lists.

SecurityShares beforeValue beforeType
LULULULULEMON ATHLETICA INC3,000$534Kshares
JPMJPMORGAN CHASE & CO1,321$417Kshares

How Q4 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 0002085853-26-000023 base2026-01-09acceptance time not in the bulk data set