13F HOLDINGS REPORT

Peak Retirement Planning, Inc.

Quarter ended Q4 2025 · Filed February 10, 2026 · Accession 0002056697-26-000001

Total Value

$427.1M

Positions

145

Other Managers

Confidential Omitted

View on SEC.gov

Holdings (145)

#	Issuer	Ticker / CUSIP	Shares	Value	% of Filing
1	iShares 0-3 Month Treasury Bond ETF	46436E718	572,280	$57.4M	13.45%
2	Invesco QQQ Trust, Series 1	IVZ	37,471	$23.0M	5.39%
3	Vanguard FTSE Developed Markets ETF	921943858	366,490	$22.9M	5.36%
4	Vanguard FTSE Emerging Markets ETF	922042858	360,658	$19.4M	4.54%
5	SPDR Gold MiniShares Trust	GLDW	170,109	$14.5M	3.40%
6	Vanguard Growth ETF	922908736	23,346	$11.4M	2.67%
7	State Street Communication Services Select Sector SPDR ETF	81369Y852	90,320	$10.6M	2.49%
8	State Street Energy Select Sector SPDR ETF	81369Y506	236,200	$10.6M	2.47%
9	State Street Materials Select Sector SPDR ETF	81369Y100	231,046	$10.5M	2.45%
10	State Street Real Estate Select Sector SPDR ETF	81369Y860	255,769	$10.3M	2.42%
11	State Street Consumer Staples Select Sector SPDR ETF	81369Y308	127,370	$9.9M	2.32%
12	Vanguard S&P 500 ETF	922908363	13,500	$8.5M	1.98%
13	Vanguard Small-Cap Value ETF	922908611	34,743	$7.4M	1.72%
14	NVIDIA Corporation - Common Stock	NVDA	33,689	$6.3M	1.47%
15	Vanguard Value ETF	922908744	32,383	$6.2M	1.45%
16	Vanguard Total Stock Market ETF	922908769	17,081	$5.7M	1.34%
17	Vanguard Small-Cap Growth ETF	922908595	16,409	$5.0M	1.16%
18	Microsoft Corporation - Common Stock	MSFT	10,143	$4.9M	1.15%
19	Vanguard Mid-Cap Growth ETF	922908538	16,739	$4.7M	1.09%
20	Vanguard Mid-Cap Value ETF	922908512	25,944	$4.6M	1.08%
21	Vanguard Real Estate ETF	922908553	47,473	$4.2M	0.98%
22	Alphabet Inc. - Class A Common Stock	GOOG	12,295	$3.8M	0.90%
23	Apple Inc. - Common Stock	AAPL	13,873	$3.8M	0.88%
24	Broadcom Inc. - Common Stock	AVGO	10,030	$3.5M	0.81%
25	Abbott Laboratories Common Stock	ABLZF	25,960	$3.3M	0.76%
26	Micron Technology, Inc. - Common Stock	MU	10,880	$3.1M	0.73%
27	Deckers Outdoor Corporation Common Stock	DECK	27,937	$2.9M	0.68%
28	Merit Medical Systems, Inc. - Common Stock	589889104	32,472	$2.9M	0.67%
29	Tenet Healthcare Corporation Common Stock	THC	14,359	$2.9M	0.67%
30	Palo Alto Networks, Inc. - Common Stock	PANW	15,486	$2.9M	0.67%
31	Chewy, Inc. Class A Common Stock	CHWY	86,057	$2.8M	0.67%
32	Applovin Corporation - Class A Common Stock	APP	4,201	$2.8M	0.66%
33	Charter Communications, Inc. - Class A Common Stock	16119P108	13,540	$2.8M	0.66%
34	PulteGroup, Inc. Common Stock	745867101	23,982	$2.8M	0.66%
35	Zoom Communications, Inc. - Class A Common Stock	ZM	32,562	$2.8M	0.66%
36	Berkshire Hathaway Inc. New Common Stock	BRK-A	5,576	$2.8M	0.66%
37	Neurocrine Biosciences, Inc. - Common Stock	NBIX	19,617	$2.8M	0.65%
38	Ralph Lauren Corporation Common Stock	RL	7,856	$2.8M	0.65%
39	Flex Ltd. - Ordinary Shares	FLEX	45,962	$2.8M	0.65%
40	Insulet Corporation - Common Stock	PODD	9,742	$2.8M	0.65%
41	Monolithic Power Systems, Inc. - Common Stock	609839105	3,041	$2.8M	0.65%
42	Elanco Animal Health Incorporated Common Stock	ELAN	121,770	$2.8M	0.65%
43	Pinterest, Inc. Class A Common Stock	PINS	106,401	$2.8M	0.64%
44	Exelixis, Inc. - Common Stock	EXEL	62,506	$2.7M	0.64%
45	United Therapeutics Corporation - Common Stock	UTHR	5,581	$2.7M	0.64%
46	Hims & Hers Health, Inc. Class A Common Stock	HIMS	82,567	$2.7M	0.63%
47	Procter & Gamble Company (The) Common Stock	742718109	18,218	$2.6M	0.61%
48	JP Morgan Chase & Co. Common Stock	VYLD	8,068	$2.6M	0.61%
49	Johnson & Johnson Common Stock	JNJ	11,442	$2.4M	0.55%
50	PepsiCo, Inc. - Common Stock	PEP	14,895	$2.1M	0.50%
51	Merck & Company, Inc. Common Stock (new)	MRK	20,237	$2.1M	0.50%
52	Colgate-Palmolive Company Common Stock	CL	26,955	$2.1M	0.50%
53	Verizon Communications Inc. Common Stock	VZ	52,121	$2.1M	0.50%
54	Altria Group, Inc.	MO	36,261	$2.1M	0.49%
55	Fox Corporation - Class A Common Stock	FOX	28,344	$2.1M	0.48%
56	Illinois Tool Works Inc. Common Stock	452308109	8,307	$2.0M	0.48%
57	Gilead Sciences, Inc. - Common Stock	GILD	16,607	$2.0M	0.48%
58	Kimberly-Clark Corporation - Common Stock	KMB	20,187	$2.0M	0.48%
59	Vanguard Div Appreciation ETF	921908844	9,251	$2.0M	0.48%
60	EOG Resources, Inc. Common Stock	EOG	19,332	$2.0M	0.48%
61	U.S. Bancorp Common Stock	USB-PS	38,008	$2.0M	0.47%
62	Comcast Corporation - Class A Common Stock	CCZ	67,834	$2.0M	0.47%
63	T. Rowe Price Group, Inc. - Common Stock	TROW	19,713	$2.0M	0.47%
64	The Kraft Heinz Company - Common Stock	KHC	82,968	$2.0M	0.47%
65	CME Group Inc. - Class A Common Stock	CME	7,367	$2.0M	0.47%
66	Cboe Global Markets, Inc. Common Stock	12503M108	8,005	$2.0M	0.47%
67	CF Industries Holdings, Inc. Common Stock	125269100	25,976	$2.0M	0.47%
68	ConAgra Brands, Inc. Common Stock	CAG	115,744	$2.0M	0.47%
69	Snap-On Incorporated Common Stock	SNA	5,807	$2.0M	0.47%
70	General Mills, Inc. Common Stock	370334104	43,035	$2.0M	0.47%
71	VICI Properties Inc. Common Stock	925652109	71,036	$2.0M	0.47%
72	Accenture plc Class A Ordinary Shares (Ireland)	ACN	7,322	$2.0M	0.46%
73	Avery Dennison Corporation Common Stock	AVY	10,754	$2.0M	0.46%
74	Amazon.com, Inc. - Common Stock	AMZN	6,873	$1.6M	0.37%
75	Vanguard Mid-Cap ETF	922908629	5,413	$1.6M	0.37%
76	Vanguard Small-Cap ETF	922908751	5,782	$1.5M	0.35%
77	United Parcel Service, Inc. Common Stock	UPS	13,522	$1.3M	0.31%
78	Invesco S&P 500 Equal Weight ETF	IVZ	6,903	$1.3M	0.31%
79	State Street SPDR S&P 500 ETF Trust	SPY	1,884	$1.3M	0.30%
80	INVSC QQQ TRUST SRS 1 ETF	IVZ	1,992	$1.2M	0.29%
81	GE Aerospace Common Stock	369604301	3,812	$1.2M	0.27%
82	Vanguard High Dividend Yield ETF	921946406	7,925	$1.1M	0.27%
83	American Electric Power Company, Inc. - Common Stock	025537101	8,325	$959,946	0.22%
84	Meta Platforms, Inc. - Class A Common Stock	META	1,411	$931,668	0.22%
85	Vanguard Information Tech ETF	92204A702	1,228	$925,996	0.22%
86	iShares Core S&P 500 ETF	464287200	1,211	$829,675	0.19%
87	Exxon Mobil Corporation Common Stock	XOM	6,774	$815,237	0.19%
88	Vanguard Large-Cap ETF	922908637	2,547	$801,904	0.19%
89	Vanguard Total International Stock ETF	921909768	10,450	$788,370	0.18%
90	Eli Lilly and Company Common Stock	LLY	643	$690,766	0.16%
91	SPDR GOLD MINISHARES ETV	GLDW	8,019	$684,582	0.16%
92	GE Vernova Inc. Common Stock	GEV	1,026	$670,292	0.16%
93	Vanguard Total Bond Market ETF	921937835	9,001	$666,690	0.16%
94	Wells Fargo & Company Common Stock	949746101	6,895	$642,576	0.15%
95	iShares Silver Trust	SLV	9,913	$638,598	0.15%
96	Home Depot, Inc. (The) Common Stock	HD	1,843	$634,233	0.15%
97	MGIC Investment Corporation Common Stock	552848103	21,650	$632,607	0.15%
98	Tesla, Inc. - Common Stock	TSLA	1,368	$615,193	0.14%
99	State Street Consumer Discretionary Select Sector SPDR ETF	81369Y407	5,119	$611,300	0.14%
100	Vanguard Tax-Exempt Bond ETF	922907746	11,630	$584,889	0.14%
101	AbbVie Inc. Common Stock	ABBV	2,302	$526,064	0.12%
102	Vanguard Mega Cap Growth ETF	921910816	1,245	$513,845	0.12%
103	Fidelity Enhanced Large Cap Core ETF	316092113	12,619	$481,686	0.11%
104	iShares 1-5 Year Investment Grade Corporate Bond ETF	464288646	8,695	$459,817	0.11%
105	Vanguard Short-Term Inflation-Protected Securities Index Fund ETF Shares	922020805	8,567	$423,705	0.10%
106	Alphabet Inc. - Class C Capital Stock	GOOG	1,313	$412,046	0.10%
107	National Fuel Gas Company Common Stock	NFG	5,064	$405,436	0.09%
108	iShares Core MSCI EAFE ETF	46432F842	4,483	$401,080	0.09%
109	iShares S&P 500 Growth ETF	464287309	3,218	$396,673	0.09%
110	Lowe's Companies, Inc. Common Stock	548661107	1,645	$396,663	0.09%
111	iShares Core S&P U.S. Value ETF	464287663	3,832	$392,959	0.09%
112	State Street Financial Select Sector SPDR ETF	81369Y605	6,930	$379,561	0.09%
113	Vanguard Intermediate-Term Treasury ETF	92206C706	6,252	$374,654	0.09%
114	State Street Utilities Select Sector SPDR ETF	81369Y886	8,309	$354,723	0.08%
115	INVSC BULLETSHA 2026 CRPBND ETF IV	IVZ	17,922	$350,823	0.08%
116	American Express Company Common Stock	AXP	884	$326,987	0.08%
117	Dimensional ETF U.S. Core Equity 2 ETF	25434V708	8,207	$324,920	0.08%
118	Southern Company (The) Common Stock	SOMN	3,682	$321,029	0.08%
119	Oracle Corporation Common Stock	ORCL-PD	1,639	$319,410	0.07%
120	International Business Machines Corporation Common Stock	INTR	1,076	$318,830	0.07%
121	NextEra Energy, Inc. Common Stock	NEE-PW	3,834	$307,807	0.07%
122	UnitedHealth Group Incorporated Common Stock (DE)	UNH	906	$299,126	0.07%
123	State Street SPDR Portfolio S&P 500 ETF	78464A854	3,693	$296,230	0.07%
124	Park National Corporation Common Stock	700658107	1,940	$295,219	0.07%
125	Schwab US Dividend Equity ETF	808524797	10,754	$294,971	0.07%
126	iShares Core Dividend Growth ETF	46434V621	4,187	$290,694	0.07%
127	Caterpillar, Inc. Common Stock	CAT	503	$288,215	0.07%
128	iShares Broad USD High Yield Corporate Bond ETF	46435U853	7,440	$278,254	0.07%
129	SPDR Gold Shares	GLD	697	$276,189	0.06%
130	PACCAR Inc. - Common Stock	PCAR	2,371	$259,612	0.06%
131	PIMCO Multisector Bond Active Exchange-Traded Fund	72201R585	9,587	$255,781	0.06%
132	Walmart Inc. - Common Stock	WMT	2,269	$252,777	0.06%
133	Truist Financial Corporation Common Stock	89832Q109	5,034	$247,715	0.06%
134	iShares 0-5 Year High Yield Corporate Bond ETF	46434V407	5,517	$236,498	0.06%
135	Sprott Physical Platinum and Palladium Trust	SII	13,928	$234,553	0.05%
136	Advanced Micro Devices, Inc. - Common Stock	AMD	1,031	$220,787	0.05%
137	McDonald's Corporation Common Stock	MCD	719	$219,673	0.05%
138	Visa Inc.	V	620	$217,472	0.05%
139	Palantir Technologies Inc. - Class A Common Stock	PLTR	1,209	$214,873	0.05%
140	Vanguard Intermediate-Term Corporate Bond ETF	92206C870	2,520	$211,048	0.05%
141	Medtronic plc. Ordinary Shares	MDT	2,186	$209,987	0.05%
142	Avantis U.S. Equity ETF	025072885	1,865	$208,422	0.05%
143	FedEx Corporation Common Stock	FDX	720	$207,876	0.05%
144	iShares Preferred and Income Securities ETF	464288687	6,653	$205,981	0.05%
145	iShares Russell 3000 Fund	464287689	524	$202,725	0.05%