Q3 2026 13F · SEC CIK 1933059

Retirement Guys Formula LLC

Wealth managerFiled 2026-10-26 for Q3 2026. Open the filing ↗ · All SEC filings ↗

Reported 13F value: $269.3M
Reported positions: 173
Top holdings a year, 3 yrs: +13.6%
Assets under management: $276.9M

Retirement Guys Formula LLC is a wealth manager that reported 173 positions worth $269.3M in its Q3 2026 13F, filed 2026-10-26. Its largest holdings were J P Morgan Exchange Traded F (JPST, 5.6%), Swan Hedged (HEGD, 2.8%), Invesco Qqq Tr (QQQ, 2.5%). A portfolio copying its top holdings returned 13.6% a year over the last 3 years, against 20.4% for the S&P 500.

Retirement Guys Formula LLC holdings largest 50 of 173 positions.

Weights are shares of the filer's total reported 13F value, compared with Q2 2026. Share changes may reflect splits; weight changes also reflect price moves. A 13F shows long US-listed positions only, up to 135 days after the fact.

Retirement Guys Formula LLC 13F holdings
Stock	% of 13F value	Q2 2026	Shares	Share change	Reported value
JPSTJ P Morgan Exchange Traded F	5.6%	5.8%	301,606	-1.7%	$15.2M
HEGDSwan Hedged	2.8%	3.0%	285,422	-3.1%	$7.7M
QQQInvesco Qqq Tr	2.5%	2.5%	9,054	-0.9%	$6.7M
SCHGSchwab Strategic Tr	2.3%	1.7%	174,074	+30.4%	$6.3M
AAPLApple Inc	2.3%	2.0%	18,719	-0.5%	$6.2M
JEPIJ P Morgan Exchange Traded F	1.9%	1.8%	90,036	+7.8%	$5.1M
PYLDPimco ETF Tr	1.8%	1.7%	188,852	+12.4%	$4.8M
VOVanguard Index Fds	1.7%	2.3%	58,858	-22.5%	$4.6M
JNJJohnson & Johnson	1.7%	1.6%	16,818	-0.7%	$4.4M
JEPQJ P Morgan Exchange Traded F	1.6%	1.6%	71,920	+6.6%	$4.4M
SPYState Str Spdr S&p 500 ETF T	1.6%	1.6%	5,675	-3.1%	$4.3M
AVEMAmerican Centy ETF Tr	1.6%	1.7%	45,706	-5.0%	$4.3M
LLYEli Lilly & Co	1.6%	1.6%	3,651	+3.5%	$4.2M
JIVEJ P Morgan Exchange Traded F	1.5%	1.5%	42,405	-3.3%	$4.0M
KNGFirst Tr Exchange-Traded Fd	1.5%	1.5%	83,805	+4.4%	$4.0M
GILDGilead Sciences Inc	1.4%	1.1%	25,317	+6.2%	$3.8M
NVDANvidia Corporation	1.4%	1.2%	16,331	+0.4%	$3.7M
IGLDFirst Tr Exchange-Traded Fd	1.4%	1.1%	183,213	+28.2%	$3.7M
CORCencora Inc	1.3%	1.2%	11,566	+6.0%	$3.5M
PEPPepsico Inc	1.2%	1.1%	26,143	+20.6%	$3.3M
AMZNAmazon Com Inc	1.2%	1.1%	13,080	+4.0%	$3.3M
FVDFirst Tr Exchange-Traded Fd	1.2%	1.3%	68,081	-1.9%	$3.2M
VXUSVanguard Star Fds	1.2%	1.2%	37,181	-0.0%	$3.2M
MSFTMicrosoft Corp	1.2%	0.9%	6,092	+0.3%	$3.1M
AMATApplied Matls Inc	1.2%	1.7%	6,063	-1.6%	$3.1M
METAMeta Platforms Inc	1.1%	0.8%	4,245	+10.5%	$3.1M
GOOGAlphabet Inc	1.1%	1.1%	8,772	+3.5%	$3.0M
MRKMerck & Co Inc	1.1%	1.0%	20,271	+2.5%	$2.9M
ANETArista Networks Inc	1.0%	1.0%	13,788	-9.5%	$2.8M
APHAmphenol Corp	1.0%	1.0%	31,126	+110.8%	$2.6M
AAAUGoldman Sachs Physical Gold	1.0%	—	62,518	—	$2.6M
VVisa Inc	0.9%	0.9%	7,069	+4.6%	$2.5M
CTASimplify Exchange Traded Fun	0.9%	0.8%	87,827	+13.3%	$2.5M
EOGEog Res Inc	0.9%	0.9%	17,911	+2.0%	$2.5M
GEVGe Vernova Inc	0.9%	1.1%	2,592	+7.7%	$2.5M
AVGOBroadcom Inc	0.9%	0.9%	6,889	+8.8%	$2.4M
NFLXNetflix Inc.	0.9%	0.8%	34,756	+17.3%	$2.4M
CATCaterpillar Inc	0.9%	1.1%	2,934	+10.1%	$2.4M
TJXTjx Cos Inc New	0.9%	0.8%	17,696	+22.8%	$2.3M
XLPSelect Sector Spdr Tr	0.9%	0.9%	28,685	-3.8%	$2.3M
CBOECboe Global Mkts Inc	0.9%	—	8,394	—	$2.3M
VGTVanguard World Fd	0.9%	0.8%	18,309	-2.1%	$2.3M
HDHome Depot Inc	0.8%	0.8%	8,047	+27.6%	$2.3M
NEMNewmont Corp	0.8%	—	19,831	—	$2.3M
VUGVanguard Index Fds	0.8%	—	17,889	—	$2.3M
CMICummins Inc	0.8%	1.0%	4,312	+14.4%	$2.2M
GDGeneral Dynamics Corp	0.8%	0.8%	6,557	+6.2%	$2.2M
IJRIshares Tr	0.8%	0.9%	15,392	-3.3%	$2.1M
SCHWCharles Schwab Corp (the)	0.8%	—	21,143	—	$2.1M
PDECInnovator Etfs Trust	0.8%	—	43,275	—	$2.0M

What Retirement Guys Formula LLC bought and sold in Q3 2026, against Q2 2026.

New positions

Q2 2026's filing was too long to tell new positions apart.

Added to

APH Amphenol Corp+110.8% shares
SCHG Schwab Strategic Tr+30.4% shares
IGLD First Tr Exchange-Traded Fd+28.2% shares
HD Home Depot Inc+27.6% shares
TJX Tjx Cos Inc New+22.8% shares
PEP Pepsico Inc+20.6% shares
NFLX Netflix Inc.+17.3% shares
CMI Cummins Inc+14.4% shares

Reduced

Left the top 50

Share counts compared with the Q2 2026 13F; a split also changes share counts. The latest filing lists more than 50 positions, so a position that left the top 50 may still be held.

How the holdings did against the S&P 500.

1 year: +15.4% /yr; S&P 500 +20.1%
3 years: +13.6% /yr; S&P 500 +20.4%
5 years: +10.5% /yr; S&P 500 +15.9%

A portfolio of the filer's 20 largest 13F positions, weighted by value, bought the trading day after each 13F was filed and held until the next one was: what copying this filer could have earned. 13Fs show long US-listed positions only, so this is an estimate of the stock picks, not the fund's reported returns.

Reported 13F value by quarter.

13F value by quarter
Quarter	13F value	Positions
Q3 2026	$269.3M	173
Q2 2026	$265.7M	158
Q1 2026	$217.4M	154
Q4 2025	$219.3M	150
Q3 2025	$284.2M	169
Q2 2025	$263.3M	145
Q1 2025	$201.3M	137
Q4 2024	$198.3M	135
Q3 2024	$215.1M	128
Q2 2024	$208.6M	124
Q1 2024	$205.1M	123
Q4 2023	$186.5M	127

Questions about Retirement Guys Formula LLC's portfolio

What stocks does Retirement Guys Formula LLC own?

Retirement Guys Formula LLC's latest 13F, for Q3 2026 and filed Oct 26, 2026, lists 173 positions worth $269.3M. The largest are J P Morgan Exchange Traded F (JPST) at 5.6%, Swan Hedged (HEGD) at 2.8%, Invesco Qqq Tr (QQQ) at 2.5%, Schwab Strategic Tr (SCHG) at 2.3% and Apple Inc (AAPL) at 2.3%.

What did Retirement Guys Formula LLC buy last quarter?

In Q3 2026, Retirement Guys Formula LLC added Amphenol Corp (APH) (+110.8% shares), Schwab Strategic Tr (SCHG) (+30.4% shares) and First Tr Exchange-Traded Fd (IGLD) (+28.2% shares), compared with its Q2 2026 filing.

What did Retirement Guys Formula LLC sell last quarter?

In Q3 2026, Retirement Guys Formula LLC cut from its top 50 Palo Alto Networks Inc (PANW), cut from its top 50 Walmart Inc (WMT), cut from its top 50 Schwab Strategic Tr (SCHV), cut from its top 50 Servicenow Inc (NOW), cut from its top 50 Vanguard Index Fds (VB), Vanguard Index Fds (VO) (-22.5% shares), Arista Networks Inc (ANET) (-9.5% shares) and American Centy ETF Tr (AVEM) (-5.0% shares), compared with its Q2 2026 filing.

How has Retirement Guys Formula LLC's portfolio performed?

A portfolio copying Retirement Guys Formula LLC's 20 largest 13F holdings each quarter, from the day each filing was public, returned +13.6% a year over the last 3 years, against +20.4% for the S&P 500. Over 1 year: +15.4% against +20.1%. Over 5 years: +10.5% a year against +15.9%.

When is Retirement Guys Formula LLC's next 13F filing due?

13F filings are due 45 days after each quarter ends. Retirement Guys Formula LLC's filing for the quarter ending Dec 31, 2026 is due by Feb 14, 2027; this page updates the day after it is published.

How much money does Retirement Guys Formula LLC manage?

Retirement Guys Formula LLC reported $276.9M of regulatory assets under management on its latest SEC Form ADV. Its 13F, which covers only US-listed stocks and options, totals $269.3M.