Institutional Manager · CIK 0001910488

Red Tortoise LLC

ATLANTA, GA · File #028-21735

Latest AUM

$235.7M

Positions

657

Top-10 Concentration

56.2%

Filings

Portfolio Value Over Time

2024-03

2024-06

2024-09

2024-12

2025-03

2025-06

2025-09

2025-12

Biggest QoQ Changes

Ranked by conviction flow (share change × current price) so mark-to-market moves don't dominate. Price effect column shows how much of the $ change was just the stock moving.

Action	Issuer	Ticker / CUSIP	Δ Shares	Flow ($)	Price Effect
REDUCE	VANGUARD S&P 500 ETF	922908363	-3,616	-$2.3M	+$57,357
ADD	SCHWAB FUNDAMENTAL INTERNATIONAL EQUITY ETF	808524755	+36,608	+$1.7M	+$947,212
REDUCE	ISHARES 1-3 YEAR INTERNATIONAL TREASURY BOND ETF	464288125	-15,795	-$1.2M	-$27,687
ADD	VANGUARD LONG-TERM TREASURY ETF	92206C847	+14,683	+$819,314	-$139,672
ADD	VANGUARD RUSSELL 2000 ETF	92206C664	+6,319	+$628,852	+$12,693
NEW	VANECK RARE EARTH AND STRATEGIC METALS ETF	92189H805	+7,800	+$576,576	$0
REDUCE	MICROSOFT CORP COM	MSFT	-1,154	-$558,039	-$142,658
ADD	VANGUARD SMALL CAP VALUE ETF	922908611	+2,372	+$502,369	+$23,347
NEW	ISHARES IBONDS DEC 2026 TERM MUNI BOND ETF	46435U259	+17,442	+$447,155	$0
EXITED	ISHARES IBONDS DEC 2025 TERM MUNI BOND ETF	46435U432	-16,571	-$443,939	$0

Sector Allocation

Technology

2.7%$6.4M

Financials

2.1%$4.9M

Consumer Discretionary

0.7%$1.6M

Materials

0.6%$1.3M

Communication Services

0.3%$730,358

0.2%$586,710

0.2%$519,305

0.1%$284,709

0.1%$282,844

0.1%$160,164

0.0%$107,736

Filing History

Jan 22, 202613F HOLDINGS REPORTQ/E Dec 2025657 pos · $235.7M
Oct 22, 202513F HOLDINGS REPORTQ/E Sep 2025646 pos · $230.6M
Jul 22, 202513F HOLDINGS REPORTQ/E Jun 2025653 pos · $207.2M
Apr 25, 202513F HOLDINGS REPORTQ/E Mar 2025633 pos · $193.8M
Jan 24, 202513F HOLDINGS REPORTQ/E Dec 2024642 pos · $193.0M
Oct 28, 202413F HOLDINGS REPORTQ/E Sep 2024624 pos · $200.6M
Jul 31, 202413F HOLDINGS REPORTQ/E Jun 2024658 pos · $185.5M
Apr 19, 202413F HOLDINGS REPORTQ/E Mar 2024607 pos · $179.1M
Nov 2, 202313F HOLDINGS REPORTQ/E Dec 2023599 pos · $149.2M

Top 20 Holdings — Dec 2025

#	Issuer	Ticker	Shares	Value	% of Portfolio
1	SCHWAB INTERNATIONAL EQUITY ETF	808524805	1,141,527	$27.4M	13.45%
2	SCHWAB FUNDAMENTAL INTERNATIONAL EQUITY ETF	808524755	457,602	$20.7M	10.14%
3	ISHARES CORE S&P 500 ETF	464287200	19,067	$13.1M	6.40%
4	SCHWAB EMERGING MARKETS EQUITY ETF	808524706	314,658	$10.3M	5.05%
5	ISHARES CORE MSCI EAFE ETF	46432F842	95,390	$8.5M	4.18%
6	VANGUARD LONG-TERM TREASURY ETF	92206C847	146,470	$8.2M	4.01%
7	SCHWAB U.S. LARGE-CAP ETF	808524201	284,936	$7.7M	3.76%
8	SCHWAB FUNDAMENTAL U.S. LARGE COMPANY ETF	808524771	256,043	$7.0M	3.41%
9	ISHARES RUSSELL 1000 VALUE ETF	464287598	30,036	$6.3M	3.10%
10	SCHWAB SHORT-TERM US TREASURY ETF	808524862	229,551	$5.6M	2.74%
11	VANGUARD VALUE ETF	922908744	28,173	$5.4M	2.64%
12	ISHARES CORE DIVIDEND GROWTH ETF	46434V621	75,470	$5.2M	2.57%
13	ISHARES MSCI USA QUALITY FACTOR ETF	46432F339	25,674	$5.1M	2.50%
14	VANGUARD FTSE DEVELOPED MARKETS ETF	921943858	70,963	$4.4M	2.17%
15	STATE STREET SPDR PORTFOLIO S&P 500 VALUE ETF	78464A508	70,657	$4.0M	1.97%
16	SCHWAB US TIPS ETF	808524870	123,041	$3.3M	1.60%
17	ISHARES MSCI ACWI EX U.S. ETF	464288240	47,050	$3.2M	1.55%
18	SCHWAB US AGGREGATE BOND ETF	808524839	129,744	$3.0M	1.49%
19	ISHARES RUSSELL 1000 ETF	464287622	7,830	$2.9M	1.43%
20	ISHARES CORE MSCI EMERGING MARKETS ETF	46434G103	40,450	$2.7M	1.33%