ZynergyRetirementPlanningLLC

The portfolio now consists of 27 holdings, reflecting a highly diversified approach. The structure indicates a shift toward a passive, rules-based investment philosophy. The manager appears to have executed a complete portfolio overhaul, evidenced by the initiation of 22 new positions and the exit of a previous holding. The portfolio is heavily institutional in nature, utilizing a "core-satellite" structure where the vast majority of assets are invested in broad market ETFs, with a minor allocation to individual equities.

2. Key Holdings

The portfolio is dominated by large-cap, diversified ETFs, with the top ten positions accounting for the vast majority of assets.