Red Tortoise LLC — Quarterly 13F Portfolio Report

Diversified strategyMomentum followerLong-term holder

Total reported value

$240.3M

Reporting period: 2026-03-31 · Number of holdings: 647

Red Tortoise LLC disclosed 647 holdings in its latest 13F filing for the period ending 2026-03-31, with total reported value of $240.3M and a quarterly turnover rate of 6.5%.

Browse other institutions with $100M to $1B AUM Browse other institutions starting with "R"

Personality snowflake

Concentration: 15.03
Portfolio Stability: 6.49
Momentum/Contrarian: 100
Sector conviction: 71.93
Diversification: 100
Sizing Uniformity: 53.94

Recent moves

Add BND
+152.5%　$2.7M
Add FNDF
-0.3%　$1.6M
Trim IVV
-0.9%　-$720.1K
Add SCHO
+15.4%　$837.0K
Trim BAC
-12.4%　-$624.8K
Trim VGLT
-4.7%　-$448.7K

Holdings Map

New buyAddUnchangedTrim

Top 10 holdings by weight

Full holdings list this quarter

Showing top 590 holdings (of 647 total)

#	Ticker	Issuer	Asset Subclass	Weight	Weight Change	Shares Change
1	SCHF	Schwab Intl Equity ETF	ETF-Other	11.83%	+0.19%	+0.67%
2	FNDF	Schwab Fndmn Intl Lrg Co ETF	ETF-Other	9.29%	+0.51%	-0.30%
3	IVV	Ishares Core S&p 500 ETF	ETF-Large Cap & Growth	5.14%	-0.40%	-0.92%
4	SCHE	Schwab Emrg Mrkts Eqty ETF	ETF-Other	4.23%	-0.14%	-2.07%
5	IEFA	Ishares Core Msci Eafe ETF	ETF-Other	3.48%	-0.14%	-3.23%
6	VGLT	Vanguard Long-term Treasury	ETF-Gov Bonds	3.22%	-0.25%	-4.73%
7	SCHX	Schwab US Large-cap ETF	ETF-Other	3.06%	-0.20%	+0.59%
8	FNDX	Schwab Fndmntl US Lrg Co ETF	ETF-Other	2.95%	-0.01%	-0.73%
9	IWD	Ishares Russell 1000 Value E	ETF-Other	2.68%	—	+0.34%
10	SCHO	Schwab Short-term US Treas	ETF-Other	2.68%	+0.31%	+15.44%
11	VTV	Vanguard Value ETF	ETF-Other	2.29%	+0.01%	-0.48%
12	DGRO	Ishares Core Dividend Growth	ETF-Other	2.20%	—	-0.33%
13	QUAL	Ishares Msci USA Quality Fac	ETF-Other	2.01%	-0.15%	-1.78%
14	VEA	Vanguard Ftse Developed ETF	ETF-Other	1.89%	+0.01%	-0.16%
15	BND	Vanguard Total Bond Market	ETF-Other	1.87%	+1.11%	+152.50%
16	SPYV	Ss Spdr P S&p 500 Value ETF	ETF-Large Cap & Growth	1.67%	—	+0.26%
17	SCHZ	Schwab US Aggregate Bond ETF	ETF-Other	1.43%	+0.14%	+14.42%
18	SCHP	Schwab U.s. Tips ETF	ETF-Other	1.36%	—	-0.17%
19	ACWX	Ishares Msci Acwi Ex US ETF	ETF-Other	1.34%	—	—
20	IWB	Ishares Russell 1000 ETF	ETF-Other	1.16%	-0.08%	+0.09%
21	IEMG	Ishares Core Msci Emerging	ETF-Emerging Markets	1.16%	+0.01%	-1.42%
22	PXF	Invesco Rafi Developed Marke	ETF-Other	1.16%	+0.04%	-1.23%
23	SCHB	Schwab US Broad Market ETF	ETF-Other	1.03%	-0.11%	-3.75%
24	FNDE	Schwab Fndmntl Em Mrk Eq ETF	ETF-Other	1.01%	+0.05%	+0.40%
25	DFIV	Dimensional International Va	ETF-Other	1.00%	+0.04%	+0.16%
26	DWX	State Street Spdr S&p Intern	ETF-Other	0.93%	+0.02%	+0.48%
27	BAC	Bank Of America CORP	Stock-Financials	0.90%	-0.29%	-12.39%
28	VBR	Vanguard Small-cap Value ETF	ETF-Other	0.90%	+0.01%	+0.53%
29	SUB	Ishares Short-term National	ETF-Other	0.83%	—	-2.06%
30	VWO	Vanguard Ftse Emerging Marke	ETF-Emerging Markets	0.79%	—	-1.52%
31	VTEB	Vanguard Tax-exempt Bond ETF	ETF-Other	0.79%	-0.04%	-2.93%
32	VYM	Vanguard High Dvd Yield ETF	ETF-Other	0.78%	—	-3.08%
33	IWM	Ishares Russell 2000 ETF	ETF-Small Cap	0.69%	—	-2.12%
34	EEM	Ishares Msci Emerging Market	ETF-Emerging Markets	0.69%	+0.01%	—
35	DFUS	Dimensional US Eq Mkt ETF	ETF-Other	0.68%	-0.05%	+0.07%
36	IQDF	Flexshares-int Qual Dvd Inde	ETF-Other	0.64%	+0.03%	+2.69%
37	SPTL	Ss Spdr Pf Lng Trm Tsy E-usd	ETF-Other	0.64%	-0.03%	-2.86%
38	AEM	Agnico Eagle Mines LTD	Stock-Materials	0.61%	+0.09%	—
39	IAUM	Ishares Gold Trust Micro	ETF-Commodities	0.60%	+0.03%	—
40	AAPL	Apple INC	Stock-Tech	0.60%	-0.06%	—
41	VTWO	Vanguard Russell 2000 ETF	ETF-Small Cap	0.58%	—	+1.84%
42	SPY	Ss Spdr S&p 500 ETF Trust-us	ETF-Large Cap & Growth	0.56%	-0.04%	+0.05%
43	VGSH	Vanguard Short-term Treasury	ETF-Gov Bonds	0.56%	—	+0.49%
44	EFA	Ishares Msci Eafe ETF	ETF-Other	0.55%	—	-0.03%
45	FNDB	Schwab Fndmntl US Brd Mr ETF	ETF-Other	0.53%	—	-0.14%
46	VEU	Vanguard Ftse All-world Ex-u	ETF-Other	0.50%	—	+0.15%
47	MSFT	Microsoft CORP	Stock-Tech	0.50%	-0.16%	-0.12%
48	XAR	Ss Spdr S&p Aerospace Def	ETF-Other	0.49%	+0.02%	+0.04%
49	VEGI	Ishares Msci Agriculture Pro	ETF-Other	0.47%	+0.06%	—
50	AGG	Ishares Core U.s. Aggregate	ETF-Other	0.46%	—	+0.64%

1–50 of 590

Portfolio Performance

Performance for Q3 2026

+1.9%

Performance Last 4 Quarters

+21.5%

Based on 84% of reported portfolio value with available pricing

Stdev: +10.8%
Beta: +0.71
Alpha: +1.7%
Max Drawdown: -6.4%
Annualized Perf: +15.2%
Batting Avg vs S&P: +44.4%
Sortino: +2.55
Stutzer: +0.39
Treynor: +0.21
Sterling: +0.99
Calmar: +2.36
Information Ratio: -0.55
Tracking Error: +6.6%
Stdev Down: +5.8%
Winning Months %: +69.4%
Losing Months %: +30.6%
Best 12 Months: +29%
Worst 12 Months: +7.1%
Efficiency Ratio: +0.52
Sharpe: +1.37
Stdev Sectors: +11.6%
Skewness: -0.31
Kurtosis: -0.4
Upside Potential: +4.2

Reported value over time

Sector allocation

Sector allocation over time

Quarterly history

Period	Holdings	Total value	Stability	Top holdings
2026-03-31	647	$240.3M	6	1SCHF 2FNDF 3IVV Top holdings2026-03-31 1.SCHF 2.FNDF 3.IVV 4.SCHE 5.IEFA 6.VGLT 7.SCHX 8.FNDX 9.IWD 10.SCHO
2025-12-31	657	$235.7M	8	1SCHF 2FNDF 3IVV Top holdings2025-12-31 1.SCHF 2.FNDF 3.IVV 4.SCHE 5.IEFA 6.VGLT 7.SCHX 8.FNDX 9.IWD 10.SCHO
2025-09-30	646	$230.6M	26	1SCHF 2FNDF 3IVV Top holdings2025-09-30 1.SCHF 2.FNDF 3.IVV 4.SCHE 5.IEFA 6.SCHX 7.VGLT 8.FNDX 9.IWD 10.SCHO
2025-06-30	653	$207.2M	0	1SCHF 2FNDF 3IVV Top holdings2025-06-30 1.SCHF 2.FNDF 3.IVV 4.VGLT 5.SCHE 6.IEFA 7.SCHX 8.SCHO 9.FNDX 10.IWD
2025-03-31	633	$193.8M	0	1SCHF 2FNDF 3IVV Top holdings2025-03-31 1.SCHF 2.FNDF 3.IVV 4.VGLT 5.SCHE 6.SCHX 7.IEFA 8.QUAL 9.FNDX 10.IWD
2024-12-31	642	$193.0M	0	1SCHF 2FNDF 3IVV Top holdings2024-12-31 1.SCHF 2.FNDF 3.IVV 4.VGLT 5.SCHE 6.SCHX 7.QUAL 8.IEFA 9.IWD 10.VTV
2024-09-30	624	$200.6M	0	1SCHF 2FNDF 3IVV Top holdings2024-09-30 1.SCHF 2.FNDF 3.IVV 4.VGLT 5.SCHE 6.SCHX 7.IEFA 8.QUAL 9.VTV 10.IWD
2024-06-30	658	$185.5M	0	1SCHF 2FNDF 3IVV Top holdings2024-06-30 1.SCHF 2.FNDF 3.IVV 4.SCHE 5.VGLT 6.SCHX 7.IEFA 8.QUAL 9.VTV 10.IWD
2024-03-31	607	$179.1M	0	1SCHF 2FNDF 3IVV Top holdings2024-03-31 1.SCHF 2.FNDF 3.IVV 4.VGLT 5.SCHE 6.SCHX 7.IEFA 8.QUAL 9.VTV 10.IWD
2023-12-31	584	$176.8M	0	1SCHF 2FNDF 3IEFA Top holdings2023-12-31 1.SCHF 2.FNDF 3.IEFA 4.IVV 5.SCHE 6.VGLT 7.SCHX 8.QUAL 9.VTV 10.IWD
2023-09-30	599	$149.2M	0	1SCHF 2FNDF 3SCHE Top holdings2023-09-30 1.SCHF 2.FNDF 3.SCHE 4.VGLT 5.IVV 6.IEFA 7.SCHX 8.QUAL 9.VTV 10.IWD
2023-06-30	605	$159.2M	0	1SCHF 2FNDF 3SCHE Top holdings2023-06-30 1.SCHF 2.FNDF 3.SCHE 4.VGLT 5.IVV 6.MUB 7.IEFA 8.SCHX 9.QUAL 10.VTV
2023-03-31	604	$148.7M	0	1SCHF 2FNDF 3SCHE Top holdings2023-03-31 1.SCHF 2.FNDF 3.SCHE 4.VGLT 5.IVV 6.MUB 7.IEFA 8.QUAL 9.SCHX 10.IWD
2022-12-31	656	$144.2M	0	1SCHF 2FNDF 3SCHE Top holdings2022-12-31 1.SCHF 2.FNDF 3.SCHE 4.MUB 5.IVV 6.VGLT 7.IEFA 8.VTV 9.QUAL 10.IWD
2022-06-30	72	$121.0M	0	1SCHF 2FNDF 3SCHE Top holdings2022-06-30 1.SCHF 2.FNDF 3.SCHE 4.IVV 5.SCHO 6.MUB 7.QUAL 8.IEFA 9.IWD 10.FNDX
2022-03-31	73	$132.2M	0	1SCHF 2FNDF 3SCHE Top holdings2022-03-31 1.SCHF 2.FNDF 3.SCHE 4.IVV 5.QUAL 6.IEFA 7.SCHX 8.IWD 9.SPYV 10.FNDX
2021-12-31	75	$144.6M	0	1SCHF 2FNDF 3SCHE Top holdings2021-12-31 1.SCHF 2.FNDF 3.SCHE 4.BAC 5.IVV 6.QUAL 7.SCHX 8.IWD 9.MUB 10.SPYV
2021-09-30	653	$128.1M	0	1SCHF 2FNDF 3SCHE Top holdings2021-09-30 1.SCHF 2.FNDF 3.SCHE 4.IVV 5.MUB 6.VGLT 7.QUAL 8.IEFA 9.VTV 10.IWD

Holding changes this quarter

Red Tortoise LLC's most significant position changes for 2026-03-31: New buy: Seritage Growth Prop- A (SRG); Add: Vanguard Total Bond Market (BND) — shares +152.50%; Trim: Schwab Fndmn Intl Lrg Co ETF (FNDF) — shares -0.30%; Trim: Ishares Core S&p 500 ETF (IVV) — shares -0.92%; Add: Schwab Short-term US Treas (SCHO) — shares +15.44%.

Position changes disclosed by Red Tortoise LLC for the quarter ending 2026-03-31, including ticker, issuer, weight change, shares change, and action
#	Ticker	Issuer	Weight Change	Shares Change	Action
1	BND	Vanguard Total Bond Market	+1.1%	+152.50%	Add
2	FNDF	Schwab Fndmn Intl Lrg Co ETF	+0.5%	-0.30%	Trim
3	SCHO	Schwab Short-term US Treas	+0.3%	+15.44%	Add
4	SCHF	Schwab Intl Equity ETF	+0.2%	+0.67%	Add
5	SCHZ	Schwab US Aggregate Bond ETF	+0.1%	+14.42%	Add
6	AEM	Agnico Eagle Mines LTD	+0.1%	—	Unchanged
7	VEGI	Ishares Msci Agriculture Pro	+0.1%	—	Unchanged
8	FNDE	Schwab Fndmntl Em Mrk Eq ETF	+0.1%	+0.40%	Add
9	REMX	Vaneck Rar Earth Nd Stg-usdi	+0.1%	—	Unchanged
10	PXF	Invesco Rafi Developed Marke	0%	-1.23%	Trim
11	DFIV	Dimensional International Va	0%	+0.16%	Add
12	URA	Global X Uranium ETF	0%	+4.21%	Add
13	IAUM	Ishares Gold Trust Micro	0%	—	Unchanged
14	IQDF	Flexshares-int Qual Dvd Inde	0%	+2.69%	Add
15	BCI	Abrdn Bloomberg All Commodit	0%	+16.41%	Add
16	DWX	State Street Spdr S&p Intern	0%	+0.48%	Add
17	XAR	Ss Spdr S&p Aerospace Def	0%	+0.04%	Add
18	SIVR	Abrdn Physical Silver Shares	0%	—	Unchanged
19	INVH	Invitation Homes INC	0%	+419.81%	Add
20	VTV	Vanguard Value ETF	0%	-0.48%	Trim
21	VEA	Vanguard Ftse Developed ETF	0%	-0.16%	Trim
22	VBR	Vanguard Small-cap Value ETF	0%	+0.53%	Add
23	IEMG	Ishares Core Msci Emerging	0%	-1.42%	Trim
24	EEM	Ishares Msci Emerging Market	0%	—	Unchanged
25	IWD	Ishares Russell 1000 Value E	—	+0.34%	Add
26	ACWX	Ishares Msci Acwi Ex US ETF	—	—	Unchanged
27	FNDX	Schwab Fndmntl US Lrg Co ETF	0%	-0.73%	Trim
28	DFSI	Dimensional Int Sus Cor1 ETF	0%	-18.61%	Trim
29	ILCG	Ishares Morningstar Growth E	0%	-0.56%	Trim
30	SPTL	Ss Spdr Pf Lng Trm Tsy E-usd	0%	-2.86%	Trim
31	SCHK	Schwab 1000 Index ETF	0%	-0.25%	Trim
32	VTEB	Vanguard Tax-exempt Bond ETF	0%	-2.93%	Trim
33	GOOG	Alphabet Inc-cl C	0%	+1.28%	Add
34	SPY	Ss Spdr S&p 500 ETF Trust-us	0%	+0.05%	Add
35	ORCL	Oracle CORP	-0.1%	—	Unchanged
36	DFUS	Dimensional US Eq Mkt ETF	-0.1%	+0.07%	Add
37	AMZN	Amazon.com INC	-0.1%	-0.27%	Trim
38	AAPL	Apple INC	-0.1%	—	Unchanged
39	APP	Applovin Corp-class A	-0.1%	—	Unchanged
40	IWB	Ishares Russell 1000 ETF	-0.1%	+0.09%	Add
41	SCHB	Schwab US Broad Market ETF	-0.1%	-3.75%	Trim
42	IEFA	Ishares Core Msci Eafe ETF	-0.1%	-3.23%	Trim
43	SCHE	Schwab Emrg Mrkts Eqty ETF	-0.1%	-2.07%	Trim
44	QUAL	Ishares Msci USA Quality Fac	-0.2%	-1.78%	Trim
45	MSFT	Microsoft CORP	-0.2%	-0.12%	Trim
46	SCHX	Schwab US Large-cap ETF	-0.2%	+0.59%	Add
47	VGLT	Vanguard Long-term Treasury	-0.3%	-4.73%	Trim
48	BAC	Bank Of America CORP	-0.3%	-12.39%	Trim
49	IVV	Ishares Core S&p 500 ETF	-0.4%	-0.92%	Trim
50	SRG	Seritage Growth Prop- A	—	NEW	New buy

FAQ

What is Red Tortoise LLC and what type of investor is it?

Red Tortoise LLC is a investment manager that files SEC Form 13F quarterly, disclosing its U.S. public equity holdings to regulators. As of the most recent reporting period (2026-03-31), the firm manages a tracked equity portfolio valued at approximately $240.3M, spread across 647 disclosed positions.

What are Red Tortoise LLC's largest equity positions?

Based on the latest 13F filing, Red Tortoise LLC's top holdings by market value are: 1. Schwab Intl Equity ETF (SCHF) — $28.4M (11.8%) 2. Schwab Fndmn Intl Lrg Co ETF (FNDF) — $22.3M (9.3%) 3. Ishares Core S&p 500 ETF (IVV) — $12.3M (5.1%) 4. Schwab Emrg Mrkts Eqty ETF (SCHE) — $10.2M (4.2%) 5. Ishares Core Msci Eafe ETF (IEFA) — $8.4M (3.5%)

What changes did Red Tortoise LLC make in its most recent portfolio filing?

In the latest reported quarter, Red Tortoise LLC made 40 notable position adjustments: 1 new positions were initiated, 19 existing holdings were added to, 20 positions were partially reduced, and 0 were completely exited. The largest of these moves: New buy: Seritage Growth Prop- A (SRG); Add: Vanguard Total Bond Market (BND) — shares +152.50%; Trim: Schwab Fndmn Intl Lrg Co ETF (FNDF) — shares -0.30%; Trim: Ishares Core S&p 500 ETF (IVV) — shares -0.92%; Add: Schwab Short-term US Treas (SCHO) — shares +15.44%

What sectors does Red Tortoise LLC focus on?

Red Tortoise LLC is concentrated in the following sectors based on its current disclosed equity portfolio: • Information Technology: 37.6% • Financials: 24.0% • Communication Services: 15.4% • Consumer Discretionary: 11.5% • Consumer Staples: 4.2% • Health Care: 2.9%

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Red Tortoise LLC — Quarterly 13F Portfolio Report

Diversified strategyMomentum followerLong-term holder

Total reported value

$240.3M

Reporting period: 2026-03-31 · Number of holdings: 647

Red Tortoise LLC disclosed 647 holdings in its latest 13F filing for the period ending 2026-03-31, with total reported value of $240.3M and a quarterly turnover rate of 6.5%.

Browse other institutions with $100M to $1B AUM Browse other institutions starting with "R"

Personality snowflake

Concentration: 15.03
Portfolio Stability: 6.49
Momentum/Contrarian: 100
Sector conviction: 71.93
Diversification: 100
Sizing Uniformity: 53.94

Recent moves

Add BND
+152.5%　$2.7M
Add FNDF
-0.3%　$1.6M
Trim IVV
-0.9%　-$720.1K
Add SCHO
+15.4%　$837.0K
Trim BAC
-12.4%　-$624.8K
Trim VGLT
-4.7%　-$448.7K

Holdings Map

New buyAddUnchangedTrim

Top 10 holdings by weight

Full holdings list this quarter

Showing top 590 holdings (of 647 total)

#	Ticker	Issuer	Asset Subclass	Weight	Weight Change	Shares Change
1	SCHF	Schwab Intl Equity ETF	ETF-Other	11.83%	+0.19%	+0.67%
2	FNDF	Schwab Fndmn Intl Lrg Co ETF	ETF-Other	9.29%	+0.51%	-0.30%
3	IVV	Ishares Core S&p 500 ETF	ETF-Large Cap & Growth	5.14%	-0.40%	-0.92%
4	SCHE	Schwab Emrg Mrkts Eqty ETF	ETF-Other	4.23%	-0.14%	-2.07%
5	IEFA	Ishares Core Msci Eafe ETF	ETF-Other	3.48%	-0.14%	-3.23%
6	VGLT	Vanguard Long-term Treasury	ETF-Gov Bonds	3.22%	-0.25%	-4.73%
7	SCHX	Schwab US Large-cap ETF	ETF-Other	3.06%	-0.20%	+0.59%
8	FNDX	Schwab Fndmntl US Lrg Co ETF	ETF-Other	2.95%	-0.01%	-0.73%
9	IWD	Ishares Russell 1000 Value E	ETF-Other	2.68%	—	+0.34%
10	SCHO	Schwab Short-term US Treas	ETF-Other	2.68%	+0.31%	+15.44%
11	VTV	Vanguard Value ETF	ETF-Other	2.29%	+0.01%	-0.48%
12	DGRO	Ishares Core Dividend Growth	ETF-Other	2.20%	—	-0.33%
13	QUAL	Ishares Msci USA Quality Fac	ETF-Other	2.01%	-0.15%	-1.78%
14	VEA	Vanguard Ftse Developed ETF	ETF-Other	1.89%	+0.01%	-0.16%
15	BND	Vanguard Total Bond Market	ETF-Other	1.87%	+1.11%	+152.50%
16	SPYV	Ss Spdr P S&p 500 Value ETF	ETF-Large Cap & Growth	1.67%	—	+0.26%
17	SCHZ	Schwab US Aggregate Bond ETF	ETF-Other	1.43%	+0.14%	+14.42%
18	SCHP	Schwab U.s. Tips ETF	ETF-Other	1.36%	—	-0.17%
19	ACWX	Ishares Msci Acwi Ex US ETF	ETF-Other	1.34%	—	—
20	IWB	Ishares Russell 1000 ETF	ETF-Other	1.16%	-0.08%	+0.09%
21	IEMG	Ishares Core Msci Emerging	ETF-Emerging Markets	1.16%	+0.01%	-1.42%
22	PXF	Invesco Rafi Developed Marke	ETF-Other	1.16%	+0.04%	-1.23%
23	SCHB	Schwab US Broad Market ETF	ETF-Other	1.03%	-0.11%	-3.75%
24	FNDE	Schwab Fndmntl Em Mrk Eq ETF	ETF-Other	1.01%	+0.05%	+0.40%
25	DFIV	Dimensional International Va	ETF-Other	1.00%	+0.04%	+0.16%
26	DWX	State Street Spdr S&p Intern	ETF-Other	0.93%	+0.02%	+0.48%
27	BAC	Bank Of America CORP	Stock-Financials	0.90%	-0.29%	-12.39%
28	VBR	Vanguard Small-cap Value ETF	ETF-Other	0.90%	+0.01%	+0.53%
29	SUB	Ishares Short-term National	ETF-Other	0.83%	—	-2.06%
30	VWO	Vanguard Ftse Emerging Marke	ETF-Emerging Markets	0.79%	—	-1.52%
31	VTEB	Vanguard Tax-exempt Bond ETF	ETF-Other	0.79%	-0.04%	-2.93%
32	VYM	Vanguard High Dvd Yield ETF	ETF-Other	0.78%	—	-3.08%
33	IWM	Ishares Russell 2000 ETF	ETF-Small Cap	0.69%	—	-2.12%
34	EEM	Ishares Msci Emerging Market	ETF-Emerging Markets	0.69%	+0.01%	—
35	DFUS	Dimensional US Eq Mkt ETF	ETF-Other	0.68%	-0.05%	+0.07%
36	IQDF	Flexshares-int Qual Dvd Inde	ETF-Other	0.64%	+0.03%	+2.69%
37	SPTL	Ss Spdr Pf Lng Trm Tsy E-usd	ETF-Other	0.64%	-0.03%	-2.86%
38	AEM	Agnico Eagle Mines LTD	Stock-Materials	0.61%	+0.09%	—
39	IAUM	Ishares Gold Trust Micro	ETF-Commodities	0.60%	+0.03%	—
40	AAPL	Apple INC	Stock-Tech	0.60%	-0.06%	—
41	VTWO	Vanguard Russell 2000 ETF	ETF-Small Cap	0.58%	—	+1.84%
42	SPY	Ss Spdr S&p 500 ETF Trust-us	ETF-Large Cap & Growth	0.56%	-0.04%	+0.05%
43	VGSH	Vanguard Short-term Treasury	ETF-Gov Bonds	0.56%	—	+0.49%
44	EFA	Ishares Msci Eafe ETF	ETF-Other	0.55%	—	-0.03%
45	FNDB	Schwab Fndmntl US Brd Mr ETF	ETF-Other	0.53%	—	-0.14%
46	VEU	Vanguard Ftse All-world Ex-u	ETF-Other	0.50%	—	+0.15%
47	MSFT	Microsoft CORP	Stock-Tech	0.50%	-0.16%	-0.12%
48	XAR	Ss Spdr S&p Aerospace Def	ETF-Other	0.49%	+0.02%	+0.04%
49	VEGI	Ishares Msci Agriculture Pro	ETF-Other	0.47%	+0.06%	—
50	AGG	Ishares Core U.s. Aggregate	ETF-Other	0.46%	—	+0.64%

1–50 of 590

Portfolio Performance

Performance for Q3 2026

+1.9%

Performance Last 4 Quarters

+21.5%

Based on 84% of reported portfolio value with available pricing

Stdev: +10.8%
Beta: +0.71
Alpha: +1.7%
Max Drawdown: -6.4%
Annualized Perf: +15.2%
Batting Avg vs S&P: +44.4%
Sortino: +2.55
Stutzer: +0.39
Treynor: +0.21
Sterling: +0.99
Calmar: +2.36
Information Ratio: -0.55
Tracking Error: +6.6%
Stdev Down: +5.8%
Winning Months %: +69.4%
Losing Months %: +30.6%
Best 12 Months: +29%
Worst 12 Months: +7.1%
Efficiency Ratio: +0.52
Sharpe: +1.37
Stdev Sectors: +11.6%
Skewness: -0.31
Kurtosis: -0.4
Upside Potential: +4.2

Reported value over time

Sector allocation

Sector allocation over time

Quarterly history

Period	Holdings	Total value	Stability	Top holdings
2026-03-31	647	$240.3M	6	1SCHF 2FNDF 3IVV Top holdings2026-03-31 1.SCHF 2.FNDF 3.IVV 4.SCHE 5.IEFA 6.VGLT 7.SCHX 8.FNDX 9.IWD 10.SCHO
2025-12-31	657	$235.7M	8	1SCHF 2FNDF 3IVV Top holdings2025-12-31 1.SCHF 2.FNDF 3.IVV 4.SCHE 5.IEFA 6.VGLT 7.SCHX 8.FNDX 9.IWD 10.SCHO
2025-09-30	646	$230.6M	26	1SCHF 2FNDF 3IVV Top holdings2025-09-30 1.SCHF 2.FNDF 3.IVV 4.SCHE 5.IEFA 6.SCHX 7.VGLT 8.FNDX 9.IWD 10.SCHO
2025-06-30	653	$207.2M	0	1SCHF 2FNDF 3IVV Top holdings2025-06-30 1.SCHF 2.FNDF 3.IVV 4.VGLT 5.SCHE 6.IEFA 7.SCHX 8.SCHO 9.FNDX 10.IWD
2025-03-31	633	$193.8M	0	1SCHF 2FNDF 3IVV Top holdings2025-03-31 1.SCHF 2.FNDF 3.IVV 4.VGLT 5.SCHE 6.SCHX 7.IEFA 8.QUAL 9.FNDX 10.IWD
2024-12-31	642	$193.0M	0	1SCHF 2FNDF 3IVV Top holdings2024-12-31 1.SCHF 2.FNDF 3.IVV 4.VGLT 5.SCHE 6.SCHX 7.QUAL 8.IEFA 9.IWD 10.VTV
2024-09-30	624	$200.6M	0	1SCHF 2FNDF 3IVV Top holdings2024-09-30 1.SCHF 2.FNDF 3.IVV 4.VGLT 5.SCHE 6.SCHX 7.IEFA 8.QUAL 9.VTV 10.IWD
2024-06-30	658	$185.5M	0	1SCHF 2FNDF 3IVV Top holdings2024-06-30 1.SCHF 2.FNDF 3.IVV 4.SCHE 5.VGLT 6.SCHX 7.IEFA 8.QUAL 9.VTV 10.IWD
2024-03-31	607	$179.1M	0	1SCHF 2FNDF 3IVV Top holdings2024-03-31 1.SCHF 2.FNDF 3.IVV 4.VGLT 5.SCHE 6.SCHX 7.IEFA 8.QUAL 9.VTV 10.IWD
2023-12-31	584	$176.8M	0	1SCHF 2FNDF 3IEFA Top holdings2023-12-31 1.SCHF 2.FNDF 3.IEFA 4.IVV 5.SCHE 6.VGLT 7.SCHX 8.QUAL 9.VTV 10.IWD
2023-09-30	599	$149.2M	0	1SCHF 2FNDF 3SCHE Top holdings2023-09-30 1.SCHF 2.FNDF 3.SCHE 4.VGLT 5.IVV 6.IEFA 7.SCHX 8.QUAL 9.VTV 10.IWD
2023-06-30	605	$159.2M	0	1SCHF 2FNDF 3SCHE Top holdings2023-06-30 1.SCHF 2.FNDF 3.SCHE 4.VGLT 5.IVV 6.MUB 7.IEFA 8.SCHX 9.QUAL 10.VTV
2023-03-31	604	$148.7M	0	1SCHF 2FNDF 3SCHE Top holdings2023-03-31 1.SCHF 2.FNDF 3.SCHE 4.VGLT 5.IVV 6.MUB 7.IEFA 8.QUAL 9.SCHX 10.IWD
2022-12-31	656	$144.2M	0	1SCHF 2FNDF 3SCHE Top holdings2022-12-31 1.SCHF 2.FNDF 3.SCHE 4.MUB 5.IVV 6.VGLT 7.IEFA 8.VTV 9.QUAL 10.IWD
2022-06-30	72	$121.0M	0	1SCHF 2FNDF 3SCHE Top holdings2022-06-30 1.SCHF 2.FNDF 3.SCHE 4.IVV 5.SCHO 6.MUB 7.QUAL 8.IEFA 9.IWD 10.FNDX
2022-03-31	73	$132.2M	0	1SCHF 2FNDF 3SCHE Top holdings2022-03-31 1.SCHF 2.FNDF 3.SCHE 4.IVV 5.QUAL 6.IEFA 7.SCHX 8.IWD 9.SPYV 10.FNDX
2021-12-31	75	$144.6M	0	1SCHF 2FNDF 3SCHE Top holdings2021-12-31 1.SCHF 2.FNDF 3.SCHE 4.BAC 5.IVV 6.QUAL 7.SCHX 8.IWD 9.MUB 10.SPYV
2021-09-30	653	$128.1M	0	1SCHF 2FNDF 3SCHE Top holdings2021-09-30 1.SCHF 2.FNDF 3.SCHE 4.IVV 5.MUB 6.VGLT 7.QUAL 8.IEFA 9.VTV 10.IWD

Holding changes this quarter

Position changes disclosed by Red Tortoise LLC for the quarter ending 2026-03-31, including ticker, issuer, weight change, shares change, and action
#	Ticker	Issuer	Weight Change	Shares Change	Action
1	BND	Vanguard Total Bond Market	+1.1%	+152.50%	Add
2	FNDF	Schwab Fndmn Intl Lrg Co ETF	+0.5%	-0.30%	Trim
3	SCHO	Schwab Short-term US Treas	+0.3%	+15.44%	Add
4	SCHF	Schwab Intl Equity ETF	+0.2%	+0.67%	Add
5	SCHZ	Schwab US Aggregate Bond ETF	+0.1%	+14.42%	Add
6	AEM	Agnico Eagle Mines LTD	+0.1%	—	Unchanged
7	VEGI	Ishares Msci Agriculture Pro	+0.1%	—	Unchanged
8	FNDE	Schwab Fndmntl Em Mrk Eq ETF	+0.1%	+0.40%	Add
9	REMX	Vaneck Rar Earth Nd Stg-usdi	+0.1%	—	Unchanged
10	PXF	Invesco Rafi Developed Marke	0%	-1.23%	Trim
11	DFIV	Dimensional International Va	0%	+0.16%	Add
12	URA	Global X Uranium ETF	0%	+4.21%	Add
13	IAUM	Ishares Gold Trust Micro	0%	—	Unchanged
14	IQDF	Flexshares-int Qual Dvd Inde	0%	+2.69%	Add
15	BCI	Abrdn Bloomberg All Commodit	0%	+16.41%	Add
16	DWX	State Street Spdr S&p Intern	0%	+0.48%	Add
17	XAR	Ss Spdr S&p Aerospace Def	0%	+0.04%	Add
18	SIVR	Abrdn Physical Silver Shares	0%	—	Unchanged
19	INVH	Invitation Homes INC	0%	+419.81%	Add
20	VTV	Vanguard Value ETF	0%	-0.48%	Trim
21	VEA	Vanguard Ftse Developed ETF	0%	-0.16%	Trim
22	VBR	Vanguard Small-cap Value ETF	0%	+0.53%	Add
23	IEMG	Ishares Core Msci Emerging	0%	-1.42%	Trim
24	EEM	Ishares Msci Emerging Market	0%	—	Unchanged
25	IWD	Ishares Russell 1000 Value E	—	+0.34%	Add
26	ACWX	Ishares Msci Acwi Ex US ETF	—	—	Unchanged
27	FNDX	Schwab Fndmntl US Lrg Co ETF	0%	-0.73%	Trim
28	DFSI	Dimensional Int Sus Cor1 ETF	0%	-18.61%	Trim
29	ILCG	Ishares Morningstar Growth E	0%	-0.56%	Trim
30	SPTL	Ss Spdr Pf Lng Trm Tsy E-usd	0%	-2.86%	Trim
31	SCHK	Schwab 1000 Index ETF	0%	-0.25%	Trim
32	VTEB	Vanguard Tax-exempt Bond ETF	0%	-2.93%	Trim
33	GOOG	Alphabet Inc-cl C	0%	+1.28%	Add
34	SPY	Ss Spdr S&p 500 ETF Trust-us	0%	+0.05%	Add
35	ORCL	Oracle CORP	-0.1%	—	Unchanged
36	DFUS	Dimensional US Eq Mkt ETF	-0.1%	+0.07%	Add
37	AMZN	Amazon.com INC	-0.1%	-0.27%	Trim
38	AAPL	Apple INC	-0.1%	—	Unchanged
39	APP	Applovin Corp-class A	-0.1%	—	Unchanged
40	IWB	Ishares Russell 1000 ETF	-0.1%	+0.09%	Add
41	SCHB	Schwab US Broad Market ETF	-0.1%	-3.75%	Trim
42	IEFA	Ishares Core Msci Eafe ETF	-0.1%	-3.23%	Trim
43	SCHE	Schwab Emrg Mrkts Eqty ETF	-0.1%	-2.07%	Trim
44	QUAL	Ishares Msci USA Quality Fac	-0.2%	-1.78%	Trim
45	MSFT	Microsoft CORP	-0.2%	-0.12%	Trim
46	SCHX	Schwab US Large-cap ETF	-0.2%	+0.59%	Add
47	VGLT	Vanguard Long-term Treasury	-0.3%	-4.73%	Trim
48	BAC	Bank Of America CORP	-0.3%	-12.39%	Trim
49	IVV	Ishares Core S&p 500 ETF	-0.4%	-0.92%	Trim
50	SRG	Seritage Growth Prop- A	—	NEW	New buy