Red Tortoise LLC Q4 2025 Filing

Filed January 22, 2026

Portfolio Value

$235.7M

Holdings

600

Report Date

Q4 2025

Filing Type

13F-HR

All Holdings (600 positions)

#	Stock	Shares	Value	% Portfolio	Type
1	SCHFSCHWAB INTERNATIONAL EQUITY ETF	1,141,527	$27.4M	11.64%
2	FNDFSCHWAB FUNDAMENTAL INTERNATIONAL EQUITY ETF	457,602	$20.7M	8.78%
3	IVVISHARES CORE S&P 500 ETF	19,067	$13.1M	5.54%
4	SCHESCHWAB EMERGING MARKETS EQUITY ETF	314,658	$10.3M	4.37%
5	AQLTISHARES CORE MSCI EAFE ETF	95,390	$8.5M	3.62%
6	VGLTVANGUARD LONG-TERM TREASURY ETF	146,470	$8.2M	3.47%
7	SCHXSCHWAB U.S. LARGE-CAP ETF	284,936	$7.7M	3.26%
8	FNDXSCHWAB FUNDAMENTAL U.S. LARGE COMPANY ETF	256,043	$7.0M	2.96%
9	IWDISHARES RUSSELL 1000 VALUE ETF	30,036	$6.3M	2.68%
10	SCHOSCHWAB SHORT-TERM US TREASURY ETF	229,551	$5.6M	2.37%
11	VTVVANGUARD VALUE ETF	28,173	$5.4M	2.28%
12	DGROISHARES CORE DIVIDEND GROWTH ETF	75,470	$5.2M	2.22%
13	QUALISHARES MSCI USA QUALITY FACTOR ETF	25,674	$5.1M	2.16%
14	VEAVANGUARD FTSE DEVELOPED MARKETS ETF	70,963	$4.4M	1.88%
15	SPYVSTATE STREET SPDR PORTFOLIO S&P 500 VALUE ETF	70,657	$4.0M	1.70%
16	SCHPSCHWAB US TIPS ETF	123,041	$3.3M	1.38%
17	ACWXISHARES MSCI ACWI EX U.S. ETF	47,050	$3.2M	1.34%
18	SCHZSCHWAB US AGGREGATE BOND ETF	129,744	$3.0M	1.29%
19	IWBISHARES RUSSELL 1000 ETF	7,830	$2.9M	1.24%
20	BACBANK AMERICA CORP COM	50,830	$2.8M	1.19%	Put
21	IEMGISHARES CORE MSCI EMERGING MARKETS ETF	40,450	$2.7M	1.15%
22	SCHBSCHWAB U.S. BROAD MARKET ETF	102,173	$2.7M	1.14%
23	PXFINVESCO RAFI DEVELOPED MARKETS EX-U.S. ETF	40,253	$2.6M	1.12%
24	FNDESCHWAB FUNDAMENTAL EMERGING MARKETS EQUITY ETF	62,926	$2.3M	0.96%
25	DFIVDFA INTERNATIONAL VALUE ETF	45,302	$2.3M	0.96%
26	DWXSPDR S&P INTERNATIONAL DIVIDEND ETF	48,698	$2.1M	0.91%
27	VBRVANGUARD SMALL CAP VALUE ETF	9,937	$2.1M	0.89%
28	SUBISHARES SHORT-TERM NATIONAL MUNI BOND ETF	19,161	$2.0M	0.87%
29	VTEBVANGUARD TAX-EXEMPT BOND ETF	39,018	$2.0M	0.83%
30	VWOVANGUARD FTSE EMERGING MARKETS ETF	35,840	$1.9M	0.82%
31	VYMVANGUARD HIGH DIVIDEND YIELD INDEX ETF	13,105	$1.9M	0.80%
32	BNDVANGUARD TOTAL BOND MARKET ETF	24,221	$1.8M	0.76%
33	DFUSDIMENSIONAL U.S. EQUITY MARKET ETF	23,165	$1.7M	0.73%
34	IWMISHARES RUSSELL 2000 ETF	6,876	$1.7M	0.72%
35	EEMISHARES MSCI EMERGING MARKETS ETF	29,106	$1.6M	0.68%
36	SPTLSTATE STREET SPDR PORTFOLIO LONG TERM TREASURY ETF	59,733	$1.6M	0.67%
37	MSFTMICROSOFT CORP COM	3,221	$1.6M	0.66%
38	AAPLAPPLE INC COM	5,717	$1.6M	0.66%
39	IQDFFLEXSHARES INTERNATIONAL QUALITY DIVIDEND INDEX FUND	47,636	$1.4M	0.61%
40	SPYSPDR S&P 500 ETF TRUST	2,060	$1.4M	0.60%
41	VTWOVANGUARD RUSSELL 2000 ETF	13,772	$1.4M	0.58%
42	IAUMISHARES GOLD TRUST MICRO ETF OF BENEF INTEREST	31,072	$1.3M	0.57%
43	VGSHVANGUARD SHORT-TERM TREASURY ETF	22,718	$1.3M	0.57%
44	EFAISHARES MSCI EAFE ETF	13,717	$1.3M	0.56%
45	FNDBSCHWAB FUNDAMENTAL U.S. BROAD MARKET ETF	46,730	$1.2M	0.53%
46	AEMAGNICO EAGLE MINES LTD COM	7,269	$1.2M	0.52%
47	AMZNAMAZON COM INC COM	5,274	$1.2M	0.52%
48	VEUVANGUARD FTSE ALL-WORLD EX-US INDEX FUND	16,088	$1.2M	0.50%
49	XARSTATE STREET SPDR S&P AEROSPACE & DEFENSE ETF	4,602	$1.1M	0.47%
50	AGGISHARES CORE U.S. AGGREGATE BOND ETF	11,072	$1.1M	0.47%
51	SCHKSCHWAB 1000 INDEX ETF	33,275	$1.1M	0.46%
52	SCHASCHWAB U.S. SMALL-CAP ETF	37,712	$1.1M	0.46%
53	ISHGISHARES 1-3 YEAR INTERNATIONAL TREASURY BOND ETF	13,660	$1.0M	0.44%
54	SIVRABRDN PHYSICAL SILVER SHARES ETF	14,307	$967K	0.41%
55	VEGIISHARES MSCI AGRICULTURE PRODUCERS ETF	25,000	$964K	0.41%
56	GOOGALPHABET INC CAP STK CL C	2,971	$932K	0.40%
57	DFUVDIMENSIONAL US MARKETWIDE VALUE ETF	17,856	$831K	0.35%
58	SLYVSTATE STREET SPDR S&P 600 SMALL CAP VALUE ETF	8,162	$742K	0.31%
59	IWPISHARES RUSSELL MID-CAP GROWTH ETF	5,310	$727K	0.31%
60	PXHINVESCO RAFI EMERGING MARKETS ETF	28,126	$725K	0.31%
61	ILCBISHARES MORNINGSTAR U.S. EQUITY ETF	7,315	$690K	0.29%
62	ILCGISHARES MORNINGSTAR GROWTH ETF	6,074	$631K	0.27%
63	IWSISHARES RUSSELL MID-CAP VALUE ETF	4,342	$612K	0.26%
64	NVDANVIDIA CORPORATION COM	3,106	$579K	0.25%
65	REMXVANECK RARE EARTH AND STRATEGIC METALS ETF	7,800	$576K	0.24%
66	EFVISHARES MSCI EAFE VALUE ETF	7,966	$568K	0.24%
67	URAGLOBAL X URANIUM ETF	13,265	$566K	0.24%
68	NDQINVESCO QQQ TRUST SERIES I	908	$557K	0.24%
69	GOOGLALPHABET INC CAP STK CL A	1,720	$538K	0.23%
70	VYMIVANGUARD INTERNATIONAL HIGH DIVIDEND YIELD ETF	5,959	$536K	0.23%
71	ORCLORACLE CORP COM	2,720	$529K	0.22%
72	VIGVANGUARD DIVIDEND APPRECIATION ETF	2,368	$520K	0.22%
73	AQLTISHARES SELECT DIVIDEND ETF	3,646	$514K	0.22%
74	IBMOISHARES IBONDS DEC 2026 TERM MUNI BOND ETF	17,442	$447K	0.19%
75	VTIVANGUARD TOTAL STOCK MARKET ETF	1,196	$400K	0.17%
76	VONEVANGUARD RUSSELL 1000 ETF	1,293	$399K	0.17%
77	APPAPPLOVIN CORP COM CL A	550	$370K	0.16%
78	VCRVANGUARD CONSUMER DISCRETIONARY ETF	819	$322K	0.14%
79	QDEFFLEXSHARES QUALITY DIVIDEND DEFENSIVE INDEX FUND	3,769	$305K	0.13%
80	IWOISHARES RUSSELL 2000 GROWTH ETF	892	$288K	0.12%
81	VOOVANGUARD S&P 500 ETF	423	$265K	0.11%
82	DFSIDFA INTERNATIONAL SUSTAINABILITY CORE 1 ETF	6,206	$265K	0.11%
83	BSVVANGUARD SHORT-TERM BOND ETF	3,117	$245K	0.10%
84	SCZISHARES MSCI EAFE SMALL-CAP ETF	3,001	$232K	0.10%
85	METAMETA PLATFORMS INC CL A	334	$220K	0.09%
86	DFSUDIMENSIONAL US SUSTAINABILITY CORE 1 ETF	4,765	$206K	0.09%
87	AVGOBROADCOM INC COM	597	$205K	0.09%
88	TIPISHARES TIPS BOND ETF	1,857	$204K	0.09%
89	VFHVANGUARD FINANCIALS ETF	1,511	$201K	0.09%
90	DFATDFA U.S. TARGETED VALUE ETF	3,175	$189K	0.08%
91	BRK/BBERKSHIRE HATHAWAY INC DEL CL B NEW	376	$188K	0.08%
92	DFASDFA U.S. SMALL CAP ETF	2,689	$187K	0.08%
93	PHYS/USPROTT ASSET MANAGEMENT LP PHYSICAL GOLD TR	5,600	$184K	0.08%
94	IJRISHARES CORE S&P SMALL CAP ETF	1,510	$181K	0.08%
95	SCHYSCHWAB INTERNATIONAL DIVIDEND EQUITY ETF	5,779	$172K	0.07%
96	IVWISHARES S&P 500 GROWTH ETF	1,316	$162K	0.07%
97	WMTWALMART INC COM	1,449	$160K	0.07%
98	IQLTISHARES MSCI INTL QUALITY FACTOR ETF	3,484	$158K	0.07%
99	EMBISHARES JP MORGAN USD EMERGING MARKETS BOND ETF	1,561	$150K	0.06%
100	IWNISHARES RUSSELL 2000 VALUE ETF	789	$143K	0.06%

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