Red Tortoise LLC

ATLANTA, GA · CIK 1910488 · 13F filing filed 2025-07-22

No investment adviser registration (Form ADV) found for this filer. It may be a parent company whose subsidiaries are the registered advisers, a bank or insurer, or a manager based outside the US.

$204.8m reported value +6.9% vs Q1 2025

595positions

51.0%in top 10

78 new 104 added 44 reduced 62 sold out vs Q1 2025

Options: 0 call positions (— notional), 1 put positions ($2.4m notional) – listed below, not included above.

This report includes the holdings of 1 other manager that shares the investment decisions:

PARAMETRIC PORTFOLIO ASSOCIATES LLC – reports through this filing

Shares in two reports are counted once in each security's totals.

Holdings, Q2 2025

The small lines show how much was held over the last 4 quarters (adjusted for stock splits).

#	Security	Ticker	Shares	Value	% of portfolio	Change	Shares change
1	SCHWAB STRATEGIC TR INTL EQTY ETF SCHF	SCHF	1,092,908	$24.2m11.79%	11.79%	Added +5.1k	+5,083 0.5%
2	SCHWAB STRATEGIC TR FUNDAMENTAL INTL FNDF	FNDF	412,224	$16.5m8.05%	8.05%	Added +4.4k	+4,427 1.1%
3	ISHARES TR CORE S&P500 ETF IVV	IVV	19,383	$12.0m5.87%	5.87%	Reduced -706	-706 -3.5%
4	VANGUARD SCOTTSDALE FDS LONG TERM TREAS VGLT	VGLT	166,907	$9.4m4.57%	4.57%	Reduced -16.1k	-16,061 -8.8%
5	SCHWAB STRATEGIC TR EMRG MKTEQ ETF SCHE	SCHE	302,081	$9.1m4.44%	4.44%	Reduced -22.1k	-22,111 -6.8%
6	ISHARES TR CORE MSCI EAFE IEFA	IEFA	97,890	$8.2m3.99%	3.99%	Added +1.5k	+1,489 1.5%
7	SCHWAB STRATEGIC TR US LRG CAP ETF SCHX	SCHX	271,426	$6.6m3.24%	3.24%	Reduced -64.9k	-64,924 -19.3%
8	SCHWAB STRATEGIC TR SHT TM US TRES SCHO	SCHO	271,101	$6.6m3.23%	3.23%	Added +41.9k	+41,880 18.3%
9	SCHWAB STRATEGIC TR FUNDAMENTAL US L FNDX	FNDX	247,442	$6.1m2.96%	2.96%	Added +7.7k	+7,731 3.2%
10	ISHARES TR RUS 1000 VAL ETF IWD	IWD	29,796	$5.8m2.83%	2.83%	Added +113	+113 0.4%
11	VANGUARD INDEX FDS VALUE ETF VTV	VTV	27,049	$4.8m2.33%	2.33%	Reduced -5.2k	-5,177 -16.1%
12	ISHARES TR CORE DIV GRWTH DGRO	DGRO	74,621	$4.8m2.33%	2.33%	Added +385	+385 0.5%
13	ISHARES TR MSCI USA QLT FCT QUAL	QUAL	25,564	$4.7m2.28%	2.28%	Reduced -14.2k	-14,183 -35.7%
14	VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT VEA	VEA	70,067	$4.0m1.95%	1.95%	Added +7.4k	+7,354 11.7%
15	SPDR SERIES TRUST PRTFLO S&P500 VL SPYV	SPYV	70,172	$3.7m1.79%	1.79%	Added +207	+207 0.3%
16	SCHWAB STRATEGIC TR US TIPS ETF SCHP	SCHP	124,076	$3.3m1.62%	1.62%	Added +540	+540 0.4%
17	ISHARES TR MSCI ACWI EX US ACWX	ACWX	46,341	$2.8m1.38%	1.38%	Added +630	+630 1.4%
18	ISHARES TR RUS 1000 ETF IWB	IWB	8,107	$2.8m1.34%	1.34%	Added +8	+8 0.1%
19	SCHWAB STRATEGIC TR US BRD MKT ETF SCHB	SCHB	101,871	$2.4m1.19%	1.19%	Added +153	+153 0.1%
20	ISHARES INC CORE MSCI EMKT IEMG	IEMG	39,991	$2.4m1.17%	1.17%	Added +473	+473 1.2%
21	INVESCO EXCH TRADED FD TR II RAFI DVLPD MRKTS PXF	PXF	39,595	$2.3m1.11%	1.11%	Added +316	+316 0.8%
22	SCHWAB STRATEGIC TR US AGGREGATE B SCHZ	SCHZ	95,230	$2.2m1.08%	1.08%	Added +11.4k	+11,437 13.7%
23	MICROSOFT CORP COM MSFT	MSFT	4,267	$2.1m1.04%	1.04%	Unchanged
24	SPDR SER TR PORTFOLIO LN TSR SPTL	SPTL	78,003	$2.1m1.01%	1.01%	Reduced -8.1k	-8,098 -9.4%
25	ISHARES TR SHRT NAT MUN ETF SUB	SUB	19,420	$2.1m1.01%	1.01%	Added +11.4k	+11,415 142.6%
26	SCHWAB STRATEGIC TR FUNDAMENTAL EMER FNDE	FNDE	60,901	$2.0m0.98%	0.98%	Added +207	+207 0.3%
27	SPDR INDEX SHS FDS S&P INTL ETF DWX	DWX	47,508	$2.0m0.98%	0.98%	New
28	DIMENSIONAL ETF TRUST INTERNATNAL VAL DFIV	DFIV	44,851	$1.9m0.94%	0.94%	Added +37.6k	+37,563 515.4%
29	VANGUARD MUN BD FDS TAX EXEMPT BD VTEB	VTEB	38,286	$1.9m0.92%	0.92%	Added +23.1k	+23,128 152.6%
30	VANGUARD BD INDEX FDS TOTAL BND MRKT BND	BND	23,883	$1.8m0.86%	0.86%	Added +14	+14 0.1%
31	VANGUARD WHITEHALL FDS HIGH DIV YLD VYM	VYM	13,176	$1.8m0.86%	0.86%	Added +21	+21 0.2%
32	VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF VWO	VWO	35,339	$1.7m0.85%	0.85%	Reduced -15.9k	-15,923 -31.1%
33	DIMENSIONAL ETF TRUST US EQUITY MARKET DFUS	DFUS	23,132	$1.6m0.76%	0.76%	Added +20	+20 0.1%
34	ISHARES TR RUSSELL 2000 ETF IWM	IWM	7,181	$1.5m0.76%	0.76%	Added +2	+2 0.0%
35	ISHARES TR MSCI EMG MKT ETF EEM	EEM	28,704	$1.4m0.68%	0.68%	Added +220	+220 0.8%
36	VANGUARD INDEX FDS SM CP VAL ETF VBR	VBR	6,952	$1.4m0.66%	0.66%	Reduced -264	-264 -3.7%
37	VANGUARD SCOTTSDALE FDS SHORT TERM TREAS VGSH	VGSH	22,363	$1.3m0.64%	0.64%	Added +186	+186 0.8%
38	FLEXSHARES TR INTL QLTDV IDX IQDF	IQDF	47,079	$1.3m0.62%	0.62%	Added +744	+744 1.6%
39	ISHARES TR MSCI EAFE ETF EFA	EFA	13,667	$1.2m0.60%	0.60%	Added +66	+66 0.5%
40	APPLE INC COM AAPL	AAPL	5,717	$1.2m0.57%	0.57%	Added +49	+49 0.9%
41	SPDR S&P 500 ETF TR TR UNIT SPY	SPY	1,897	$1.2m0.57%	0.57%	Unchanged
42	SCHWAB STRATEGIC TR FUNDAMENTAL US B FNDB	FNDB	46,357	$1.1m0.54%	0.54%	Added +81	+81 0.2%
43	ISHARES TR CORE US AGGBD ET AGG	AGG	10,861	$1.1m0.53%	0.53%	Added +580	+580 5.6%
44	VANGUARD INTL EQUITY INDEX F ALLWRLD EX US VEU	VEU	15,739	$1.1m0.52%	0.52%	Added +110	+110 0.7%
45	AMAZON COM INC COM AMZN	AMZN	4,798	$1.1m0.51%	0.51%	Added +189	+189 4.1%
46	SCHWAB STRATEGIC TR 1000 INDEX ETF SCHK	SCHK	34,963	$1.0m0.51%	0.51%	Added +29	+29 0.1%
47	SPDR SERIES TRUST AEROSPACE DEF XAR	XAR	4,589	$968.0k0.47%	0.47%	Added +3	+3 0.1%
48	SCHWAB STRATEGIC TR US SML CAP ETF SCHA	SCHA	37,544	$949.9k0.46%	0.46%	Reduced -397	-397 -1.1%
49	ORACLE CORP COM ORCL	ORCL	4,134	$903.8k0.44%	0.44%	Reduced -18	-18 -0.4%
50	AGNICO EAGLE MINES LTD COM AEM	AEM	7,269	$864.5k0.42%	0.42%	Unchanged
51	DIMENSIONAL ETF TRUST US MKTWIDE VALUE DFUV	DFUV	17,856	$754.9k0.37%	0.37%	Unchanged
52	ISHARES TR RUS MD CP GR ETF IWP	IWP	5,310	$736.4k0.36%	0.36%	Unchanged
53	INVESCO EXCH TRADED FD TR II FTSE RAFI EMNG PXH	PXH	28,093	$657.1k0.32%	0.32%	Added +177	+177 0.6%
54	SPDR SER TR S&P 600 SMCP VAL SLYV	SLYV	8,118	$647.5k0.32%	0.32%	Reduced -80	-80 -1.0%
55	ISHARES TR MORNINGSTR US EQ MLRG	MLRG	7,315	$627.5k0.31%	0.31%	Unchanged
56	ISHARES TR MORNINGSTAR GRWT ILCG	ILCG	6,074	$588.6k0.29%	0.29%	Unchanged
57	ISHARES TR RUS MDCP VAL ETF IWS	IWS	4,342	$573.7k0.28%	0.28%	Unchanged
58	VANGUARD SPECIALIZED FUNDS DIV APP ETF VIG	VIG	2,708	$554.2k0.27%	0.27%	Unchanged
59	ALPHABET INC CAP STK CL C GOOG	GOOG	2,924	$518.8k0.25%	0.25%	Added +84	+84 3.0%
60	ISHARES TR EAFE VALUE ETF EFV	EFV	7,966	$505.7k0.25%	0.25%	Added +171	+171 2.2%
61	VANGUARD SCOTTSDALE FDS VNG RUS2000IDX VTWO	VTWO	5,549	$484.0k0.24%	0.24%	Added +321	+321 6.1%
62	ISHARES TR SELECT DIVID ETF DVY	DVY	3,636	$483.0k0.24%	0.24%	Added +3	+3 0.1%
63	VANGUARD WHITEHALL FDS INTL HIGH ETF VYMI	VYMI	5,849	$468.6k0.23%	0.23%	New
64	ISHARES TR IBONDS DEC 25 IBONDS DEC 25		16,483	$441.1k0.22%	0.22%	New
65	VANGUARD SCOTTSDALE FDS VNG RUS1000IDX VONE	VONE	1,290	$362.4k0.18%	0.18%	Unchanged
66	VANGUARD INDEX FDS TOTAL STK MKT VTI	VTI	1,187	$360.6k0.18%	0.18%	Unchanged
67	ALPHABET INC CAP STK CL A GOOGL	GOOGL	1,720	$303.2k0.15%	0.15%	Reduced -6	-6 -0.3%
68	VANGUARD WORLD FD CONSUM DIS ETF VCR	VCR	819	$296.6k0.14%	0.14%	Unchanged
69	FLEXSHARES TR QLT DIV DEF IDX QDEF	QDEF	3,729	$276.2k0.13%	0.13%	Reduced -24.6k	-24,570 -86.8%
70	ISHARES TR RUS 2000 GRW ETF IWO	IWO	892	$255.0k0.12%	0.12%	Unchanged
71	META PLATFORMS INC CL A META	META	334	$246.5k0.12%	0.12%	Reduced -3	-3 -0.9%
72	DIMENSIONAL ETF TRUST INTERNATIONAL DFSI	DFSI	6,203	$244.5k0.12%	0.12%	Unchanged
73	VANGUARD BD INDEX FDS SHORT TRM BOND BSV	BSV	3,053	$240.3k0.12%	0.12%	Added +64	+64 2.1%
74	ISHARES TR EAFE SML CP ETF SCZ	SCZ	2,974	$216.2k0.11%	0.11%	Added +21	+21 0.7%
75	ISHARES TR TIPS BD ETF TIP	TIP	1,824	$200.7k0.10%	0.10%	Added +22	+22 1.2%
76	APPLOVIN CORP COM CL A APP	APP	550	$192.5k0.09%	0.09%	New
77	DIMENSIONAL ETF TRUST US SUSTAINABILTY DFSU	DFSU	4,765	$187.0k0.09%	0.09%	Unchanged
78	BERKSHIRE HATHAWAY INC DEL CL B NEW BRK.B	BRK.B	376	$182.7k0.09%	0.09%	Unchanged
79	BROADCOM INC COM AVGO	AVGO	636	$175.2k0.09%	0.09%	Added +60	+60 10.4%
80	DIMENSIONAL ETF TRUST US TARGETED VLU DFAT	DFAT	3,175	$171.3k0.08%	0.08%	Unchanged
81	DIMENSIONAL ETF TRUST US SMALL CAP ETF DFAS	DFAS	2,689	$171.3k0.08%	0.08%	Unchanged
82	ISHARES TR CORE S&P SCP ETF IJR	IJR	1,545	$168.9k0.08%	0.08%	Unchanged
83	ISHARES TR RUS 2000 VAL ETF IWN	IWN	1,044	$164.7k0.08%	0.08%	Added +5	+5 0.5%
84	SCHWAB STRATEGIC TR INTERNL DIVID SCHY	SCHY	5,667	$155.0k0.08%	0.08%	Added +72	+72 1.3%
85	ISHARES TR MSCI INTL QUALTY IQLT	IQLT	3,449	$149.1k0.07%	0.07%	Added +49	+49 1.4%
86	ISHARES TR S&P 500 GRWT ETF IVW	IVW	1,316	$144.9k0.07%	0.07%	Unchanged
87	VISA INC COM CL A V	V	402	$142.9k0.07%	0.07%	Unchanged
88	SPROTT PHYSICAL GOLD TR UNIT PHYS	PHYS	5,600	$142.0k0.07%	0.07%	Unchanged
89	WALMART INC COM WMT	WMT	1,449	$141.7k0.07%	0.07%	Unchanged
90	ISHARES TR JPMORGAN USD EMG EMB	EMB	1,516	$140.4k0.07%	0.07%	Reduced -762	-762 -33.5%
91	PROCTER AND GAMBLE CO COM PG	PG	867	$138.2k0.07%	0.07%	Unchanged
92	SCHWAB STRATEGIC TR FUNDAMENTAL US S FNDA	FNDA	4,764	$136.5k0.07%	0.07%	Added +52	+52 1.1%
93	NVIDIA CORPORATION COM NVDA	NVDA	823	$130.0k0.06%	0.06%	Added +276	+276 50.5%
94	JPMORGAN CHASE & CO COM JPM	JPM	412	$119.3k0.06%	0.06%	Added +1	+1 0.2%
95	NETFLIX INC COM NFLX	NFLX	87	$116.5k0.06%	0.06%	Added +59	+59 210.7%
96	YUM BRANDS INC COM YUM	YUM	683	$101.2k0.05%	0.05%	Unchanged
97	ISHARES TR US OIL GS EX ETF IEO	IEO	1,139	$100.9k0.05%	0.05%	Added +6	+6 0.5%
98	EXXON MOBIL CORP COM XOM	XOM	899	$96.9k0.05%	0.05%	Reduced -11	-11 -1.2%
99	SALESFORCE INC COM CRM	CRM	322	$87.7k0.04%	0.04%	Added +213	+213 195.4%
100	SCHWAB STRATEGIC TR US DIVIDEND EQ SCHD	SCHD	3,289	$87.2k0.04%	0.04%	Added +15	+15 0.5%

Sold out since Q1 2025

Security	Ticker	Shares held before	Value then
ELEVANCE HEALTH INC ELV	ELV	24	$10.4k24 shares
EOG RES INC EOG	EOG	68	$8.7k68 shares
EASTERLY GOVT PPTYS INC		757	$8.0k757 shares
KELLANOVA K	K	89	$7.3k89 shares
PHILLIPS 66 PSX	PSX	49	$6.1k49 shares
TELEFLEX INCORPORATED TFX	TFX	42	$5.8k42 shares
SONOCO PRODS CO SON	SON	116	$5.5k116 shares
LEAR CORP LEA	LEA	55	$4.9k55 shares
CHEMOURS CO CC	CC	342	$4.6k342 shares
DISCOVER FINL SVCS DFS	DFS	26	$4.4k26 shares
GENERAL MLS INC GIS	GIS	71	$4.2k71 shares
MATIV HOLDINGS INC MATV	MATV	650	$4.0k650 shares
CALIFORNIA BANCORP BCAL	BCAL	276	$4.0k276 shares
AVANTOR INC AVTR	AVTR	244	$4.0k244 shares
PORTLAND GEN ELEC CO POR	POR	88	$3.9k88 shares
WABASH NATL CORP WNC	WNC	348	$3.8k348 shares
CLIPPER RLTY INC CLPR	CLPR	996	$3.8k996 shares
LINKBANCORP INC LNKB	LNKB	534	$3.6k534 shares
CAMPBELL SOUP CO CPB	CPB	86	$3.4k86 shares
NEVRO CORP NVRO	NVRO	577	$3.4k577 shares
CAESARS ENTERTAINMENT INC NE CZR	CZR	129	$3.2k129 shares
TEXAS INSTRS INC TXN	TXN	17	$3.1k17 shares
INNOVATIVE INDL PPTYS INC IIPR	IIPR	52	$2.8k52 shares
ILLUMINA INC ILMN	ILMN	34	$2.7k34 shares
STANLEY BLACK & DECKER INC SWK	SWK	34	$2.6k34 shares

Options (notional value)

Underlying	Ticker	Type	Shares controlled	Notional	Change
BANK AMERICA CORP BAC · Put	BAC	Put	50,000	$2.4m50.0k shares	Unchanged