13F HOLDINGS REPORT

Ruggaard & Associates LLC

Quarter ended Q4 2025 · Filed February 20, 2026 · Accession 0001971230-26-000001

Total Value

$254.0M

Positions

139

Other Managers

Confidential Omitted

View on SEC.gov

Holdings (139)

#	Issuer	Ticker / CUSIP	Shares	Value	% of Filing
1	AMERICAN CENTY ETF TR	025072307	129,074	$14.8M	5.82%
2	CAPITAL GROUP DIVIDEND VALUE	14020W106	338,707	$14.8M	5.82%
3	J P MORGAN EXCHANGE TRADED F	46641Q837	288,921	$14.6M	5.75%
4	CAPITAL GRP FIXED INCM ETF T	14020Y102	624,738	$14.1M	5.57%
5	ISHARES TR	46436E528	524,266	$12.1M	4.76%
6	ISHARES TR	46436E205	502,535	$11.8M	4.63%
7	VANGUARD INDEX FDS	922908629	38,580	$11.2M	4.41%
8	J P MORGAN EXCHANGE TRADED F	46654Q716	206,732	$11.2M	4.40%
9	INVESCO EXCHANGE TRADED FD T	IVZ	146,489	$11.0M	4.33%
10	INVESCO EXCHANGE TRADED FD T	IVZ	47,050	$9.0M	3.55%
11	CAPITAL GROUP GBL GROWTH EQT	14020X104	247,414	$8.6M	3.38%
12	ISHARES TR	464287614	17,900	$8.5M	3.34%
13	BNY MELLON ETF TRUST II	05613H100	265,164	$7.7M	3.03%
14	DIMENSIONAL ETF TRUST	25434V500	106,458	$7.4M	2.92%
15	WISDOMTREE TR	WT	77,459	$7.2M	2.85%
16	APPLE INC	AAPL	26,236	$7.1M	2.81%
17	DBX ETF TR	233051200	143,909	$6.9M	2.73%
18	VANGUARD INDEX FDS	922908751	25,212	$6.5M	2.56%
19	ISHARES TR	464287200	5,969	$4.1M	1.61%
20	MICROSOFT CORP	MSFT	5,256	$2.5M	1.00%
21	AGNICO EAGLE MINES LTD	AEM	14,477	$2.5M	0.97%
22	PIMCO ETF TR	72201R833	21,862	$2.2M	0.86%
23	ISHARES TR	46434V621	29,166	$2.0M	0.80%
24	J P MORGAN EXCHANGE TRADED F	46641Q118	28,591	$1.8M	0.72%
25	AMERICAN CENTY ETF TR	025072349	20,376	$1.5M	0.61%
26	WISDOMTREE TR	WT	16,772	$1.5M	0.59%
27	VANGUARD INDEX FDS	922908736	3,035	$1.5M	0.58%
28	COLUMBIA ETF TR I	19761L805	52,103	$1.5M	0.58%
29	ISHARES TR	464287887	8,612	$1.2M	0.48%
30	AMAZON COM INC	AMZN	5,264	$1.2M	0.48%
31	CONOCOPHILLIPS	COP	12,708	$1.2M	0.47%
32	ISHARES TR	464287606	11,839	$1.1M	0.45%
33	J P MORGAN EXCHANGE TRADED F	46641Q134	14,152	$1.1M	0.42%
34	NOVARTIS AG	NVSEF	7,635	$1.1M	0.41%
35	JANUS DETROIT STR TR	47103U845	20,060	$1.0M	0.40%
36	OLD REP INTL CORP	680223104	21,292	$971,767	0.38%
37	TAIWAN SEMICONDUCTOR MFG LTD	874039100	3,157	$959,277	0.38%
38	TEXAS INSTRS INC	882508104	5,454	$946,226	0.37%
39	JPMORGAN CHASE & CO.	VYLD	2,908	$937,016	0.37%
40	PIMCO ETF TR	72201R585	34,739	$926,836	0.36%
41	VANGUARD INDEX FDS	922908769	2,627	$880,754	0.35%
42	AFLAC INC	AFL	7,949	$876,536	0.35%
43	WALMART INC	WMT	7,765	$865,099	0.34%
44	SCHWAB STRATEGIC TR	808524300	25,318	$825,873	0.33%
45	NVIDIA CORPORATION	NVDA	4,318	$805,307	0.32%
46	ROYAL BK CDA	780087102	4,585	$781,697	0.31%
47	ALPHABET INC	GOOG	2,294	$718,129	0.28%
48	ISHARES TR	464287481	5,200	$712,088	0.28%
49	CHEVRON CORP NEW	CVX	4,578	$697,797	0.27%
50	SPDR S&P 500 ETF TR	SPY	992	$676,465	0.27%
51	COSTCO WHSL CORP NEW	22160K105	781	$673,488	0.27%
52	EXXON MOBIL CORP	XOM	5,574	$670,813	0.26%
53	INGREDION INC	INGR	5,980	$659,355	0.26%
54	VALERO ENERGY CORP	VLO	4,013	$653,276	0.26%
55	ISHARES TR	464287507	9,854	$650,364	0.26%
56	BANK NOVA SCOTIA HALIFAX	064149107	8,780	$646,998	0.25%
57	SCHWAB STRATEGIC TR	808524508	19,211	$577,675	0.23%
58	ELEVANCE HEALTH INC FORMERLY	ELV	1,644	$576,304	0.23%
59	CISCO SYS INC	CSCO	7,332	$564,784	0.22%
60	EAGLE MATLS INC	26969P108	2,717	$561,550	0.22%
61	JOHNSON & JOHNSON	JNJ	2,707	$560,214	0.22%
62	J P MORGAN EXCHANGE TRADED F	46641Q654	10,920	$556,265	0.22%
63	SUNCOR ENERGY INC NEW	SU	12,526	$555,653	0.22%
64	VISA INC	V	1,521	$533,546	0.21%
65	BROADCOM INC	AVGO	1,529	$529,227	0.21%
66	ISHARES TR	464287622	1,403	$523,936	0.21%
67	ISHARES TR	464287150	3,410	$507,033	0.20%
68	LADDER CAP CORP	LADR	45,738	$502,659	0.20%
69	THERMO FISHER SCIENTIFIC INC	TMO	848	$491,577	0.19%
70	ABBOTT LABS	ABLZF	3,752	$470,082	0.19%
71	SELECT SECTOR SPDR TR	81369Y803	3,246	$467,327	0.18%
72	AMERICAN EXPRESS CO	AXP	1,233	$456,111	0.18%
73	ELI LILLY & CO	LLY	417	$448,232	0.18%
74	GATX CORP	GATX	2,600	$440,960	0.17%
75	SCHWAB STRATEGIC TR	808524607	14,706	$418,827	0.16%
76	PROCTER AND GAMBLE CO	742718109	2,897	$415,169	0.16%
77	ISHARES TR	464288257	2,903	$410,745	0.16%
78	PEPSICO INC	PEP	2,822	$405,013	0.16%
79	DEERE & CO	DE	846	$393,964	0.16%
80	SPDR S&P MIDCAP 400 ETF TR	MDY	650	$392,132	0.15%
81	CAPITAL ONE FINL CORP	14040H105	1,600	$387,776	0.15%
82	MCDONALDS CORP	MCD	1,245	$380,458	0.15%
83	SPDR GOLD TR	GLD	943	$373,720	0.15%
84	PROGRESSIVE CORP	743315103	1,539	$350,461	0.14%
85	TRAVELERS COMPANIES INC	TRV	1,185	$343,721	0.14%
86	DOLLAR GEN CORP NEW	256677105	2,586	$343,343	0.14%
87	INVESCO QQQ TR	IVZ	554	$340,328	0.13%
88	BERKSHIRE HATHAWAY INC DEL	BRK-A	675	$339,289	0.13%
89	VANGUARD INDEX FDS	922908652	1,604	$335,489	0.13%
90	ALCON AG	ALC	4,196	$330,712	0.13%
91	CANADIAN NATL RY CO	136375102	3,326	$328,775	0.13%
92	PHILLIPS 66	PSX	2,532	$326,729	0.13%
93	TOWER SEMICONDUCTOR LTD	TSEM	2,750	$322,905	0.13%
94	BLACK HILLS CORP	BKH	4,649	$322,734	0.13%
95	CANADIAN NAT RES LTD	136385101	9,510	$321,914	0.13%
96	NUTRIEN LTD	NTR	5,105	$315,081	0.12%
97	HOME DEPOT INC	HD	876	$301,262	0.12%
98	TJX COS INC NEW	872540109	1,926	$295,853	0.12%
99	ISHARES TR	464287473	2,057	$290,140	0.11%
100	MOTOROLA SOLUTIONS INC	MSI	738	$282,946	0.11%
101	NOVA LTD	NVMI	839	$275,519	0.11%
102	VANGUARD MUN BD FDS	922907746	5,440	$273,578	0.11%
103	SCHWAB STRATEGIC TR	808524102	10,262	$269,172	0.11%
104	ROCKWELL AUTOMATION INC	ROK	691	$268,847	0.11%
105	D R HORTON INC	23331A109	1,807	$260,203	0.10%
106	ISHARES TR	464287804	2,162	$259,829	0.10%
107	CATERPILLAR INC	CAT	453	$259,659	0.10%
108	PUBLIC SVC ENTERPRISE GRP IN	744573106	3,233	$259,610	0.10%
109	3M CO	MMM	1,600	$256,160	0.10%
110	S&P GLOBAL INC	SPGI	475	$248,247	0.10%
111	MERCADOLIBRE INC	MELI	112	$225,597	0.09%
112	APPLIED MATLS INC	038222105	873	$224,352	0.09%
113	ELLSWORTH GROWTH & INCOME FD	289074106	18,772	$218,318	0.09%
114	APPLE INC	AAPL	790	$214,769	0.08%
115	ENERGY TRANSFER L P	ET-PI	12,987	$214,156	0.08%
116	PACER FDS TR	69374H881	3,470	$208,790	0.08%
117	ALPHABET INC	GOOG	600	$187,800	0.07%
118	STRYKER CORPORATION	SYK	479	$168,354	0.07%
119	KIMBELL RTY PARTNERS LP	49435R102	14,015	$164,816	0.06%
120	SANDRIDGE ENERGY INC	SD	10,667	$153,925	0.06%
121	NVIDIA CORPORATION	NVDA	700	$130,550	0.05%
122	VISA INC	V	300	$105,213	0.04%
123	AMAZON COM INC	AMZN	420	$96,944	0.04%
124	KAMADA LTD	KMDA	12,524	$88,419	0.03%
125	INVESCO QQQ TR	IVZ	100	$61,431	0.02%
126	BERKSHIRE HATHAWAY INC DEL	BRK-A	110	$55,292	0.02%
127	HOME DEPOT INC	HD	150	$51,615	0.02%
128	MICROSOFT CORP	MSFT	100	$48,362	0.02%
129	PROGRESSIVE CORP	743315103	200	$45,544	0.02%
130	STRYKER CORPORATION	SYK	100	$35,147	0.01%
131	BROADCOM INC	AVGO	100	$34,610	0.01%
132	TAIWAN SEMICONDUCTOR MFG LTD	874039100	100	$30,389	0.01%
133	AMBEV SA	ABEV	10,000	$24,700	0.01%
134	WALMART INC	WMT	200	$22,282	0.01%
135	ELI LILLY & CO	LLY	20	$21,494	0.01%
136	JOHNSON & JOHNSON	JNJ	100	$20,695	0.01%
137	CHEVRON CORP NEW	CVX	100	$15,241	0.01%
138	EXXON MOBIL CORP	XOM	100	$12,034	0.00%
139	SPDR S&P 500 ETF TR	SPY	5	$203	0.00%