ZynergyRetirementPlanningLLC

RED BANK, NJ

$184m in 26 US stocks at the end of 30 June 2026. The top 10 are 95.2% of the money. It changed about 2.2% of the portfolio this quarter.

Value

$184m

Stocks

Top 10 share

95.2%

Turnover

2.2%

What changed this quarter

New

Bought for the first time this quarter.

None this quarter.

Added

Bought more of a stock they already held.

Schwab Strategic TRSCHZ
17.6% of the fund
+6%
Schwab Strategic TRSCHP
6.8% of the fund
+5%
Schwab Strategic TRSCHO
5.9% of the fund
+2%
NvidiaNVDA
1.0% of the fund
+33%
Schwab Strategic TRSCHC
0.5% of the fund
+6%

Cut

Sold some of their stake.

None this quarter.

Sold out

Sold their entire stake.

None this quarter.

Holdings

Ishares TRIVV
Share
24.2%
Value
$45m
Shares
59,539
Held
Schwab Strategic TRSCHZ
Share
17.6%
Value
$33m
Shares
1,405,679
+6%
Schwab Strategic TRSCHF
Share
13.9%
Value
$26m
Shares
926,996
Held
Schwab Strategic TRSCHA
Share
11.1%
Value
$20m
Shares
565,809
Held
Schwab Strategic TRSCHH
Share
10.5%
Value
$19m
Shares
820,717
Held
Schwab Strategic TRSCHP
Share
6.8%
Value
$13m
Shares
473,970
+5%
Schwab Strategic TRSCHO
Share
5.9%
Value
$11m
Shares
449,104
+2%
Schwab Strategic TRSCHE
Share
2.3%
Value
$4m
Shares
114,762
Held
Schwab Strategic TRSCHV
Share
1.8%
Value
$3m
Shares
97,589
Held
NvidiaNVDA
Share
1.0%
Value
$2m
Shares
9,648
+33%
AppleAAPL
Share
0.8%
Value
$1m
Shares
4,874
Held
Invesco QQQ TRQQQ
Share
0.6%
Value
$1m
Shares
1,438
Held
Schwab Strategic TRSCHC
Share
0.5%
Value
$963,747
Shares
20,028
+6%
Vanguard World FDVFH
Share
0.4%
Value
$647,340
Shares
4,919
Held
Vanguard Index FDSVTV
Share
0.3%
Value
$575,989
Shares
2,643
Held
Vanguard Intl Equity Index FVEU
Share
0.3%
Value
$574,023
Shares
6,854
Held
Home DepotHD
Share
0.3%
Value
$528,667
Shares
1,499
Held
Schwab Strategic TRSCHG
Share
0.3%
Value
$522,625
Shares
15,444
Held
Schwab Strategic TRSCHD
Share
0.2%
Value
$436,932
Shares
13,779
Held
Vanguard Index FDSVB
Share
0.2%
Value
$410,424
Shares
1,354
Held
Schwab Strategic TRSCHB
Share
0.2%
Value
$399,098
Shares
13,781
Held
Spdr Gold TRGLD
Share
0.2%
Value
$324,174
Shares
880
Held
Vanguard World FDVPU
Share
0.2%
Value
$284,200
Shares
1,452
Held
Vanguard Whitehall FDSVYM
Share
0.1%
Value
$266,281
Shares
1,685
Held
New Jersey ResourcesNJR
Share
0.1%
Value
$254,544
Shares
4,542
Held
Ishares TRITA
Share
0.1%
Value
$227,875
Shares
940
Held

Company	Share of fund	Value	Shares	Change
Ishares TRIVV	24.2%	$45m	59,539	Held
Schwab Strategic TRSCHZ	17.6%	$33m	1,405,679	+6%
Schwab Strategic TRSCHF	13.9%	$26m	926,996	Held
Schwab Strategic TRSCHA	11.1%	$20m	565,809	Held
Schwab Strategic TRSCHH	10.5%	$19m	820,717	Held
Schwab Strategic TRSCHP	6.8%	$13m	473,970	+5%
Schwab Strategic TRSCHO	5.9%	$11m	449,104	+2%
Schwab Strategic TRSCHE	2.3%	$4m	114,762	Held
Schwab Strategic TRSCHV	1.8%	$3m	97,589	Held
NvidiaNVDA	1.0%	$2m	9,648	+33%
AppleAAPL	0.8%	$1m	4,874	Held
Invesco QQQ TRQQQ	0.6%	$1m	1,438	Held
Schwab Strategic TRSCHC	0.5%	$963,747	20,028	+6%
Vanguard World FDVFH	0.4%	$647,340	4,919	Held
Vanguard Index FDSVTV	0.3%	$575,989	2,643	Held
Vanguard Intl Equity Index FVEU	0.3%	$574,023	6,854	Held
Home DepotHD	0.3%	$528,667	1,499	Held
Schwab Strategic TRSCHG	0.3%	$522,625	15,444	Held
Schwab Strategic TRSCHD	0.2%	$436,932	13,779	Held
Vanguard Index FDSVB	0.2%	$410,424	1,354	Held
Schwab Strategic TRSCHB	0.2%	$399,098	13,781	Held
Spdr Gold TRGLD	0.2%	$324,174	880	Held
Vanguard World FDVPU	0.2%	$284,200	1,452	Held
Vanguard Whitehall FDSVYM	0.1%	$266,281	1,685	Held
New Jersey ResourcesNJR	0.1%	$254,544	4,542	Held
Ishares TRITA	0.1%	$227,875	940	Held

Over time and by industry

Value over time

Jun '25

Dec '25

Jun '26

Value is up 23.7% since 30 June 2025.

Where the money is

Technology1.8%

Retail & consumer0.3%

Utilities0.1%

Other97.8%

From the fund's 13F filings. They list US stocks and options only, 45 days after each quarter, and leave out cash, bonds, shorts and foreign shares.