Ruggaard & Associates LLC Q4 2025 Filing

Filed February 20, 2026

Portfolio Value

$254.0M

Holdings

121

Report Date

Q4 2025

Filing Type

13F-HR

All Holdings (121 positions)

#	Stock	Shares	Value	% Portfolio
1	QGROAMERICAN CENTY ETF TR	129,074	$14.8M	5.82%
2	CGDGCAPITAL GROUP DIVIDEND VALUE	338,707	$14.8M	5.82%
3	JPSTJ P MORGAN EXCHANGE TRADED F	288,921	$14.6M	5.75%
4	CGCPCAPITAL GRP FIXED INCM ETF T	624,738	$14.1M	5.57%
5	IBHFISHARES TR	524,266	$12.1M	4.76%
6	IBDUISHARES TR	502,535	$11.8M	4.63%
7	VOVANGUARD INDEX FDS	38,580	$11.2M	4.41%
8	JBNDJ P MORGAN EXCHANGE TRADED F	206,732	$11.2M	4.40%
9	SPHQINVESCO EXCHANGE TRADED FD T	146,489	$11.0M	4.33%
10	RSPINVESCO EXCHANGE TRADED FD T	47,050	$9.0M	3.55%
11	CGGOCAPITAL GROUP GBL GROWTH EQT	247,414	$8.6M	3.37%
12	IWFISHARES TR	17,900	$8.5M	3.34%
13	BKDVBNY MELLON ETF TRUST II	265,164	$7.7M	3.03%
14	DFASDIMENSIONAL ETF TRUST	106,458	$7.4M	2.92%
15	AAPLAPPLE INC	27,026	$7.3M	2.89%
16	WTVWISDOMTREE TR	77,459	$7.2M	2.85%
17	DBEFDBX ETF TR	143,909	$6.9M	2.73%
18	VBVANGUARD INDEX FDS	25,212	$6.5M	2.56%
19	IVVISHARES TR	5,969	$4.1M	1.61%
20	MSFTMICROSOFT CORP	5,356	$2.6M	1.02%
21	AEMAGNICO EAGLE MINES LTD	14,477	$2.5M	0.97%
22	MINTPIMCO ETF TR	21,862	$2.2M	0.86%
23	DGROISHARES TR	29,166	$2.0M	0.80%
24	JMEEJ P MORGAN EXCHANGE TRADED F	28,591	$1.8M	0.72%
25	AVLVAMERICAN CENTY ETF TR	20,376	$1.5M	0.61%
26	DGRWWISDOMTREE TR	16,772	$1.5M	0.59%
27	VUGVANGUARD INDEX FDS	3,035	$1.5M	0.58%
28	REVSCOLUMBIA ETF TR I	52,103	$1.5M	0.58%
29	AMZNAMAZON COM INC	5,684	$1.3M	0.52%
30	IJTISHARES TR	8,612	$1.2M	0.48%
31	COPCONOCOPHILLIPS	12,708	$1.2M	0.47%
32	IJKISHARES TR	11,839	$1.1M	0.45%
33	JIREJ P MORGAN EXCHANGE TRADED F	14,152	$1.1M	0.42%
34	NVSNNOVARTIS AG	7,635	$1.1M	0.41%
35	JAAAJANUS DETROIT STR TR	20,060	$1.0M	0.40%
36	TSMTAIWAN SEMICONDUCTOR MFG LTD	3,257	$989K	0.39%
37	ORIOLD REP INTL CORP	21,292	$971K	0.38%
38	TXNTEXAS INSTRS INC	5,454	$946K	0.37%
39	JPMJPMORGAN CHASE & CO.	2,908	$937K	0.37%
40	NVDANVIDIA CORPORATION	5,018	$935K	0.37%
41	PYLDPIMCO ETF TR	34,739	$926K	0.36%
42	GOOGLALPHABET INC	2,894	$905K	0.36%
43	WMTWALMART INC	7,965	$887K	0.35%
44	VTIVANGUARD INDEX FDS	2,627	$880K	0.35%
45	AFLAFLAC INC	7,949	$876K	0.34%
46	SCHGSCHWAB STRATEGIC TR	25,318	$825K	0.32%
47	RYROYAL BK CDA	4,585	$781K	0.31%
48	CVXCHEVRON CORP NEW	4,678	$712K	0.28%
49	IWPISHARES TR	5,200	$712K	0.28%
50	XOMEXXON MOBIL CORP	5,674	$682K	0.27%
51	SPYSPDR S&P 500 ETF TR	992	$676K	0.27%
52	COSTCOSTCO WHSL CORP NEW	781	$673K	0.26%
53	INGRINGREDION INC	5,980	$659K	0.26%
54	VLOVALERO ENERGY CORP	4,013	$653K	0.26%
55	IJHISHARES TR	9,854	$650K	0.26%
56	BNSBANK NOVA SCOTIA HALIFAX	8,780	$646K	0.25%
57	VVISA INC	1,821	$638K	0.25%
58	JNJJOHNSON & JOHNSON	2,807	$580K	0.23%
59	SCHMSCHWAB STRATEGIC TR	19,211	$577K	0.23%
60	ELVELEVANCE HEALTH INC FORMERLY	1,644	$576K	0.23%
61	CSCOCISCO SYS INC	7,332	$564K	0.22%
62	AVGOBROADCOM INC	1,629	$563K	0.22%
63	EXPEAGLE MATLS INC	2,717	$561K	0.22%
64	JMSTJ P MORGAN EXCHANGE TRADED F	10,920	$556K	0.22%
65	SUSUNCOR ENERGY INC NEW	12,526	$555K	0.22%
66	IWBISHARES TR	1,403	$523K	0.21%
67	ITOTISHARES TR	3,410	$507K	0.20%
68	LADRLADDER CAP CORP	45,738	$502K	0.20%
69	TMOTHERMO FISHER SCIENTIFIC INC	848	$491K	0.19%
70	ABTABBOTT LABS	3,752	$470K	0.19%
71	LLYELI LILLY & CO	437	$469K	0.18%
72	XLKSELECT SECTOR SPDR TR	3,246	$467K	0.18%
73	AXPAMERICAN EXPRESS CO	1,233	$456K	0.18%
74	GATXGATX CORP	2,600	$440K	0.17%
75	SCHASCHWAB STRATEGIC TR	14,706	$418K	0.16%
76	PGPROCTER AND GAMBLE CO	2,897	$415K	0.16%
77	ACWIISHARES TR	2,903	$410K	0.16%
78	PEPPEPSICO INC	2,822	$405K	0.16%
79	NDQINVESCO QQQ TR	654	$401K	0.16%
80	PGRPROGRESSIVE CORP	1,739	$395K	0.16%
81	BRK/BBERKSHIRE HATHAWAY INC DEL	785	$394K	0.16%
82	DEDEERE & CO	846	$393K	0.15%
83	MDYSPDR S&P MIDCAP 400 ETF TR	650	$392K	0.15%
84	COFCAPITAL ONE FINL CORP	1,600	$387K	0.15%
85	MCDMCDONALDS CORP	1,245	$380K	0.15%
86	GQ9SPDR GOLD TR	943	$373K	0.15%
87	HDHOME DEPOT INC	1,026	$352K	0.14%
88	DGDOLLAR GEN CORP NEW	2,586	$343K	0.14%
89	TRVTRAVELERS COMPANIES INC	1,185	$343K	0.14%
90	VXFVANGUARD INDEX FDS	1,604	$335K	0.13%
91	ALCALCON AG	4,196	$330K	0.13%
92	CNRCANADIAN NATL RY CO	3,326	$328K	0.13%
93	PSXPHILLIPS 66	2,532	$326K	0.13%
94	BKHBLACK HILLS CORP	4,649	$322K	0.13%
95	TSEMTOWER SEMICONDUCTOR LTD	2,750	$322K	0.13%
96	CRCCANADIAN NAT RES LTD	9,510	$321K	0.13%
97	NTRNUTRIEN LTD	5,105	$315K	0.12%
98	TJXTJX COS INC NEW	1,926	$295K	0.12%
99	IWSISHARES TR	2,057	$290K	0.11%
100	MSIMOTOROLA SOLUTIONS INC	738	$282K	0.11%

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