ZY
ZynergyRetirementPlanningLLC 13F Holdings & Recent Stock Buys (Q3 2026)
ZynergyRetirementPlanningLLCCIK: 0002031137
Sector-focusedMomentum followerQuality / disciplined sizing
Total reported value
$187.3M
Reporting period: 2026-09-30 · Number of holdings: 25
ZynergyRetirementPlanningLLC disclosed 25 holdings in its latest 13F filing for the period ending 2026-09-30, with total reported value of $187.3M and a quarterly turnover rate of 11.8%.
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Personality snowflake
- Concentration
- 60.09
- Portfolio Stability
- 11.85
- Momentum
- 100
- Sector conviction
- 100
- Diversification
- 50
- Sizing Uniformity
- 83.06
ZynergyRetirementPlanningLLC's disclosed holdings carry a Herfindahl concentration index of 0.150 — mathematically equivalent to about 7 equally-sized positions, well below its 25 actual disclosed holdings. That gap points to a strategy built around a small core of high-conviction bets rather than broad diversification.
Position sizes vary widely across the portfolio (a coefficient of variation of 1.69), with a handful of outsized bets alongside many smaller positions.
Recent activity leans toward adding more aggressively to already-large existing positions than to newly initiated ones (a 7.9 percentage-point tilt) — a pattern consistent with a momentum-following approach.
Sector classification currently covers about 2% of this portfolio's disclosed value; the remainder includes holdings (e.g. unmapped tickers, options, or other security types) not yet covered by our sector mapping.
Source and citation information
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Recent moves
View source Form 13F filing on SEC.govTrim SCHO
-58.7% -$6.4M
Add SCHZ
+24.4% $6.1M
Add SCHP
+43.0% $4.5M
Trim SCHA
+0.7% -$1.8M
Add SCHF
+6.8% $1.5M
Trim SCHH
+4.8% -$481.1K
Holdings Map
New buyAddUnchangedTrim
Top 10 holdings by weight
Full holdings list this quarter
| # | Ticker | Issuer | Asset Subclass | Weight | Weight Change | Shares Change | 4Q Trend |
|---|---|---|---|---|---|---|---|
| 1 | IVV | Ishares Core S&p 500 ETF | ETF-Large Cap & Growth | 23.77% | -0.41% | -2.40% | |
| 2 | SCHZ | Schwab US Aggregate Bond ETF | ETF-Other | 20.64% | +3.01% | +24.40% | |
| 3 | SCHF | Schwab Intl Equity ETF | ETF-Other | 14.53% | +0.61% | +6.82% | |
| 4 | SCHH | Schwab US Reit ETF | ETF-Other | 10.12% | -0.42% | +4.78% | |
| 5 | SCHA | Schwab US Small-cap ETF | ETF-Other | 9.93% | -1.15% | +0.73% | |
| 6 | SCHP | Schwab U.s. Tips ETF | ETF-Other | 9.10% | +2.29% | +43.00% | |
| 7 | SCHO | Schwab Short-term US Treas | ETF-Other | 2.36% | -3.52% | -58.69% | |
| 8 | SCHE | Schwab Emrg Mrkts Eqty ETF | ETF-Other | 2.25% | -0.01% | +0.70% | |
| 9 | SCHV | Schwab US Large-cap Value | ETF-Other | 1.73% | -0.11% | -0.62% | |
| 10 | NVDA | Nvidia CORP | Stock-Tech | 0.94% | -0.11% | -19.81% | |
| 11 | AAPL | Apple Inc | Stock-Tech | 0.84% | +0.08% | -3.51% | |
| 12 | QQQ | Invesco Qqq Trust Series 1 | ETF-Tech | 0.57% | — | — | |
| 13 | SCHC | Schwab Intl Small-cap Equity | ETF-Other | 0.54% | +0.02% | +0.89% | |
| 14 | VFH | Vanguard Financials ETF | ETF-Other | 0.34% | -0.01% | -1.28% | |
| 15 | VTV | Vanguard Value ETF | ETF-Other | 0.30% | -0.01% | — | |
| 16 | VEU | Vanguard Ftse All-world Ex-u | ETF-Other | 0.30% | -0.01% | — | |
| 17 | SCHG | Schwab US Large-cap Growth | ETF-Other | 0.29% | +0.01% | -2.69% | |
| 18 | SCHD | Schwab US Dvd Equity ETF | ETF-Other | 0.24% | — | — | |
| 19 | HD | Home Depot Inc | Stock-Consumer Disc | 0.23% | -0.06% | — | |
| 20 | SCHB | Schwab US Broad Market ETF | ETF-Other | 0.22% | — | — | |
| 21 | VB | Vanguard Small-cap ETF | ETF-Other | 0.21% | -0.01% | — | |
| 22 | GLD | Spdr Gold Shares | ETF-Commodities | 0.17% | -0.01% | -2.84% | |
| 23 | VYM | Vanguard High Dvd Yield ETF | ETF-Other | 0.14% | — | — | |
| 24 | VPU | Vanguard Utilities ETF | ETF-Other | 0.13% | -0.02% | — | |
| 25 | NJR | New Jersey Resources CORP | Stock-Utilities | 0.12% | -0.02% | +0.86% |
Portfolio Performance
Performance for Q4 2026
-0.7%
Performance Last 4 Quarters
+9.6%
- Stdev
- +8.7%
- Beta
- +0.64
- Alpha
- -0.4%
- Max Drawdown
- -4.6%
- Annualized Perf
- +10.4%
- Batting Avg vs S&P
- +38.5%
- Sortino
- +2.07
- Stutzer
- +0.34
- Treynor
- +0.16
- Sterling
- +0.72
- Calmar
- +2.27
- Information Ratio
- -1.09
- Tracking Error
- +5.9%
- Stdev Down
- +4.9%
- Winning Months %
- +73.1%
- Losing Months %
- +26.9%
- Best 12 Months
- +22.1%
- Worst 12 Months
- +9.4%
- Efficiency Ratio
- +0.43
- Sharpe
- +1.18
- Stdev Sectors
- +35.5%
- Skewness
- -0.26
- Kurtosis
- -0.02
- Upside Potential
- +3.63
Reported value over time
Sector allocation
Sector allocation over time
Quarterly history
Holding changes this quarter
ZynergyRetirementPlanningLLC's most significant position changes for 2026-09-30: Sold out: Ishares U.s. Aerospace & Def (ITA); Trim: Schwab Short-term US Treas (SCHO) — shares -58.69%; Add: Schwab US Aggregate Bond ETF (SCHZ) — shares +24.40%; Add: Schwab U.s. Tips ETF (SCHP) — shares +43.00%; Add: Schwab US Small-cap ETF (SCHA) — shares +0.73%.
| # | Ticker | Issuer | Weight Change | Shares Change | Action |
|---|---|---|---|---|---|
| 1 | SCHZ | Schwab US Aggregate Bond ETF | +3% | +24.40% | Add |
| 2 | SCHP | Schwab U.s. Tips ETF | +2.3% | +43.00% | Add |
| 3 | SCHF | Schwab Intl Equity ETF | +0.6% | +6.82% | Add |
| 4 | AAPL | Apple Inc | +0.1% | -3.51% | Trim |
| 5 | SCHC | Schwab Intl Small-cap Equity | 0% | +0.89% | Add |
| 6 | SCHG | Schwab US Large-cap Growth | 0% | -2.69% | Trim |
| 7 | SCHD | Schwab US Dvd Equity ETF | — | — | Unchanged |
| 8 | QQQ | Invesco Qqq Trust Series 1 | — | — | Unchanged |
| 9 | SCHB | Schwab US Broad Market ETF | — | — | Unchanged |
| 10 | VYM | Vanguard High Dvd Yield ETF | — | — | Unchanged |
| 11 | SCHE | Schwab Emrg Mrkts Eqty ETF | 0% | +0.70% | Add |
| 12 | VB | Vanguard Small-cap ETF | 0% | — | Unchanged |
| 13 | VFH | Vanguard Financials ETF | 0% | -1.28% | Trim |
| 14 | VEU | Vanguard Ftse All-world Ex-u | 0% | — | Unchanged |
| 15 | VTV | Vanguard Value ETF | 0% | — | Unchanged |
| 16 | GLD | Spdr Gold Shares | 0% | -2.84% | Trim |
| 17 | VPU | Vanguard Utilities ETF | 0% | — | Unchanged |
| 18 | NJR | New Jersey Resources CORP | 0% | +0.86% | Add |
| 19 | HD | Home Depot Inc | -0.1% | — | Unchanged |
| 20 | SCHV | Schwab US Large-cap Value | -0.1% | -0.62% | Trim |
| 21 | NVDA | Nvidia CORP | -0.1% | -19.81% | Trim |
| 22 | ITA | Ishares U.s. Aerospace & Def | -0.1% | EXIT | Sold out |
| 23 | IVV | Ishares Core S&p 500 ETF | -0.4% | -2.40% | Trim |
| 24 | SCHH | Schwab US Reit ETF | -0.4% | +4.78% | Add |
| 25 | SCHA | Schwab US Small-cap ETF | -1.2% | +0.73% | Add |
| 26 | SCHO | Schwab Short-term US Treas | -3.5% | -58.69% | Trim |
* This report is exclusively curated by the AlphaSMO team. AlphaSMO is the web's most authoritative 13F / Inside Trader database, delivering precise insider trading and institutional holdings insights.
Filing History
FAQ
What is ZynergyRetirementPlanningLLC and what type of investor is it?
ZynergyRetirementPlanningLLC is an investment manager that files SEC Form 13F quarterly, disclosing its U.S. public equity holdings to regulators. As of the most recent reporting period (2026-09-30), the firm manages a tracked equity portfolio valued at approximately $187.3M, spread across 25 disclosed positions.
What are ZynergyRetirementPlanningLLC's largest equity positions?
Based on the latest 13F filing, ZynergyRetirementPlanningLLC's top holdings by market value are:
1. Ishares Core S&p 500 ETF (IVV) — $44.5M (23.8%)
2. Schwab US Aggregate Bond ETF (SCHZ) — $38.6M (20.6%)
3. Schwab Intl Equity ETF (SCHF) — $27.2M (14.5%)
4. Schwab US Reit ETF (SCHH) — $19.0M (10.1%)
5. Schwab US Small-cap ETF (SCHA) — $18.6M (9.9%)
What changes did ZynergyRetirementPlanningLLC make in its most recent portfolio filing?
In the latest reported quarter, ZynergyRetirementPlanningLLC made 17 notable position adjustments: 0 new positions were initiated, 8 existing holdings were added to, 8 positions were partially reduced, and 1 were completely exited. The largest of these moves: Sold out: Ishares U.s. Aerospace & Def (ITA); Trim: Schwab Short-term US Treas (SCHO) — shares -58.69%; Add: Schwab US Aggregate Bond ETF (SCHZ) — shares +24.40%; Add: Schwab U.s. Tips ETF (SCHP) — shares +43.00%; Add: Schwab US Small-cap ETF (SCHA) — shares +0.73%
What sectors does ZynergyRetirementPlanningLLC focus on?
ZynergyRetirementPlanningLLC is concentrated in the following sectors based on its current disclosed equity portfolio:
• Information Technology: 83.5%
• Consumer Discretionary: 10.7%
• Utilities: 5.8%
Investment Profile
ZynergyRetirementPlanningLLC returned an annualized 10.4% over the trailing 26 months — underperforming the S&P 500 by 0.4 points — based on a reconstructed track record of its disclosed 13F positions, with a beta of 0.64 (less volatile than the market) and a 38% quarterly batting average against the index.
Its portfolio is moderately concentrated and long-term-holding, with 83.5% of the portfolio concentrated in Information Technology.
It has added to its SCHZ position over the past two quarters (+$7.9M, now $38.6M), while trimming VPU over the same stretch (-$39.4K, still holding $248.3K).
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Developer Access
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