# EDGAR Filing Document

**Accession Number:** 0001766995
**File Stem:** 0001766995-25-000004
**Filing Date:** 2025-8
**Character Count:** 13903
**Document Hash:** b86cd57f15054e9fc8b06c3fa7c64fd1
**Contains OCR:** False
**Source Format:** 

## Filing Content

## Filing Summary
**0001766995-25-000004.hdr.sgml**: 20250806

**ACCESSION NUMBER**: 0001766995-25-000004

**CONFORMED SUBMISSION TYPE**: 13F-HR

**PUBLIC DOCUMENT COUNT**: 2

**CONFORMED PERIOD OF REPORT**: 20250630

**FILED AS OF DATE**: 20250806

**DATE AS OF CHANGE**: 20250806

**EFFECTIVENESS DATE**: 20250806

**FILER**: 

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** SUMMIT WEALTH & RETIREMENT PLANNING, INC.
- **CENTRAL INDEX KEY:** 0001766995

**ORGANIZATION NAME:**
- **EIN:** 472346871
- **STATE OF INCORPORATION:** CA
- **FISCAL YEAR END:** 1231

**FILING VALUES:**
- **FORM TYPE:** 13F-HR
- **SEC ACT:** 1934 Act
- **SEC FILE NUMBER:** 028-19057
- **FILM NUMBER:** 251190721

**BUSINESS ADDRESS:**
- **STREET 1:** 2000 CROW CANYON PLACE
- **STREET 2:** SUITE 410
- **CITY:** SAN RAMON
- **STATE:** CA
- **ZIP:** 94583
- **BUSINESS PHONE:** 925-927-1900

**MAIL ADDRESS:**
- **STREET 1:** 2000 CROW CANYON PLACE
- **STREET 2:** SUITE 410
- **CITY:** SAN RAMON
- **STATE:** CA
- **ZIP:** 94583

### FORM 13F COVER PAGE

**Report for the Calendar Year or Quarter Ended:** 06-30-2025

**Check here if Amendment** [ ] **Amendment Number:** 

**This Amendment (Check only one.):** [ ] is a restatement.

[ ] adds new holdings entries.

**Institutional Investment Manager Filing this Report:**

**Name:** SUMMIT WEALTH  RETIREMENT PLANNING INC.<br>**Address:** 2000 CROW CANYON PLACE<br>SUITE 410<br>SAN RAMON, CA 94583

**Form 13F File Number:** 028-19057

**CRD Number (if applicable):** 000285972

**SEC File Number (if applicable):** 801-108910

The institutional investment manager filing this report and the person by whom it is signed hereby represent that the person signing the report is authorized to submit it, that all information contained herein is true, correct and complete, and that it is understood that all required items, statements, schedules, lists, and tables, are considered integral parts of this form.

**Person Signing this Report on Behalf of Reporting Manager:**

**Name:** Donald Ryan McCloskey<br>**Title:** Chief Compliance Officer<br>**Phone:** 9259271900

**Signature, Place, and Date of Signing:**

Donald Ryan McCloskey  Camas, WA  08-06-2025<br>[Signature]  [City, State]  [Date]

**Report Type (Check only one.):**

[x] **13F HOLDINGS REPORT.** (Check here if all holdings of this reporting manager are reported in this report.)

[ ] **13F NOTICE.** (Check here if no holdings are reported in this report, and all holdings are reported by other reporting manager(s).)

[ ] **13F COMBINATION REPORT.** (Check here if a portion of the holdings for this reporting manager are reported in this report and a portion are reported by other reporting manager(s).)

### Form 13F Summary Page

**Report Summary:**

**Number of Other Included Managers:** 0

**Form 13F Information Table Entry Total:** 101

**Form 13F Information Table Value Total:** $372515978

      (round to nearest dollar)

**List of Other Included Managers:**

Provide a numbered list of the name(s) and Form 13F file number(s) of all institutional investment managers with respect to which this report is filed, other than the manager filing this report.

[If there are no entries in this list, state “NONE” and omit the column headings and list entries.]

**NONE**

### FORM 13F INFORMATION TABLE

---

|  |  |  |  |  |  |  |  |  |  |  |  |  |
| --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- |
| NAME OF ISSUER | TITLE OF CLASS | CUSIP | FIGI | VALUE (x$1000) | SHRS OR PRN AMT | SH/PRN | PUT/CALL | INVESTMENT DISCRETION | OTHER MANAGER | VOTING AUTHORITY | VOTING AUTHORITY | VOTING AUTHORITY |
| NAME OF ISSUER | TITLE OF CLASS | CUSIP | FIGI | VALUE (x$1000) | SHRS OR PRN AMT | SH/PRN | PUT/CALL | INVESTMENT DISCRETION | OTHER MANAGER | SOLE | SHARED | NONE |
| SCHWAB STRATEGIC TR | US LCAP GR ETF | 808524300 |  | 45211851 | 1547821 | SH |  | SOLE |  | 50182 | 0 | 1497639 |
| VANGUARD SCOTTSDALE FDS | INTER TERM TREAS | 92206C706 |  | 1944004 | 32503 | SH |  | SOLE |  | 1511 | 0 | 30992 |
| VANGUARD INDEX FDS | SM CP VAL ETF | 922908611 |  | 3869778 | 19844 | SH |  | SOLE |  | 451 | 0 | 19393 |
| ABRDN PRECIOUS METALS BASKET | PHYSCL PRECS MET | 003263100 |  | 20950447 | 151650 | SH |  | SOLE |  | 5749 | 0 | 145901 |
| EA SERIES TRUST | ALPHA ARCH 1-3 | 02072L565 |  | 15261577 | 135442 | SH |  | SOLE |  | 5332 | 0 | 130110 |
| LITMAN GREGORY FDS TR | IMGP DBI MANAGED | 53700T827 |  | 15075180 | 585899 | SH |  | SOLE |  | 24772 | 0 | 561127 |
| ISHARES TR | CORE MSCI EAFE | 46432F842 |  | 1306879 | 15655 | SH |  | SOLE |  | 1249 | 0 | 14406 |
| ISHARES TR | MSCI EAFE ETF | 464287465 |  | 8805475 | 98506 | SH |  | SOLE |  | 602 | 0 | 97904 |
| ISHARES TR | MSCI EMG MKT ETF | 464287234 |  | 4862833 | 100805 | SH |  | SOLE |  | 937 | 0 | 99868 |
| ISHARES TR | RUS 1000 GRW ETF | 464287614 |  | 4755625 | 11201 | SH |  | SOLE |  | 20 | 0 | 11181 |
| ISHARES TR | RUS 1000 VAL ETF | 464287598 |  | 11891833 | 61226 | SH |  | SOLE |  | 544 | 0 | 60682 |
| ISHARES TR | RUSSELL 2000 ETF | 464287655 |  | 5094330 | 23608 | SH |  | SOLE |  | 158 | 0 | 23450 |
| SCHWAB STRATEGIC TR | EMRG MKTEQ ETF | 808524706 |  | 17575437 | 583127 | SH |  | SOLE |  | 26863 | 0 | 556264 |
| SCHWAB STRATEGIC TR | US LCAP VA ETF | 808524409 |  | 45570454 | 1646926 | SH |  | SOLE |  | 69750 | 0 | 1577177 |
| SCHWAB STRATEGIC TR | US SML CAP ETF | 808524607 |  | 15170358 | 599619 | SH |  | SOLE |  | 33358 | 0 | 566261 |
| VANGUARD WORLD FD | MEGA CAP INDEX | 921910873 |  | 48342403 | 214932 | SH |  | SOLE |  | 7968 | 0 | 206963 |
| VANGUARD INDEX FDS | S 500 ETF SHS | 922908363 |  | 4282378 | 7539 | SH |  | SOLE |  | 1259 | 0 | 6280 |
| VANGUARD INDEX FDS | SMALL CP ETF | 922908751 |  | 2240359 | 9454 | SH |  | SOLE |  | 829 | 0 | 8625 |
| SCHWAB STRATEGIC TR | INTL EQTY ETF | 808524805 |  | 28107586 | 1271836 | SH |  | SOLE |  | 55831 | 0 | 1216006 |
| SPDR S 500 ETF TR | TR UNIT | 78462F103 |  | 8032050 | 13000 | SH |  | SOLE |  | 0 | 0 | 13000 |
| VANGUARD INTL EQUITY INDEX F | FTSE EMR MKT ETF | 922042858 |  | 498764 | 10084 | SH |  | SOLE |  | 473 | 0 | 9611 |
| VANGUARD INDEX FDS | GROWTH ETF | 922908736 |  | 1417347 | 3233 | SH |  | SOLE |  | 796 | 0 | 2437 |
| AMAZON COM INC | COM | 023135106 |  | 905861 | 4129 | SH |  | SOLE |  | 351 | 0 | 3778 |
| ADVANCED MICRO DEVICES INC | COM | 007903107 |  | 233000 | 1642 | SH |  | SOLE |  | 0 | 0 | 1642 |
| ALPHABET INC | CAP STK CL A | 02079K305 |  | 2377871 | 13493 | SH |  | SOLE |  | 597 | 0 | 12896 |
| ALPHABET INC | CAP STK CL C | 02079K107 |  | 1262308 | 7116 | SH |  | SOLE |  | 2 | 0 | 7114 |
| APPLE INC | COM | 037833100 |  | 5798963 | 28264 | SH |  | SOLE |  | 2866 | 0 | 25398 |
| SCHWAB CHARLES CORP | COM | 808513105 |  | 392069 | 4297 | SH |  | SOLE |  | 796 | 0 | 3501 |
| COPART INC | COM | 217204106 |  | 1171203 | 23868 | SH |  | SOLE |  | 0 | 0 | 23868 |
| COSTCO WHSL CORP NEW | COM | 22160K105 |  | 603866 | 610 | SH |  | SOLE |  | 22 | 0 | 588 |
| MASTERCARD INCORPORATED | CL A | 57636Q104 |  | 619258 | 1102 | SH |  | SOLE |  | 255 | 0 | 847 |
| MICROSOFT CORP | COM | 594918104 |  | 5455095 | 10967 | SH |  | SOLE |  | 664 | 0 | 10303 |
| NVIDIA CORPORATION | COM | 67066G104 |  | 1764906 | 11171 | SH |  | SOLE |  | 131 | 0 | 11040 |
| HOME DEPOT INC | COM | 437076102 |  | 1017876 | 2776 | SH |  | SOLE |  | 412 | 0 | 2364 |
| TRANE TECHNOLOGIES PLC | SHS | G8994E103 |  | 314498 | 719 | SH |  | SOLE |  | 0 | 0 | 719 |
| VISA INC | COM CL A | 92826C839 |  | 396236 | 1116 | SH |  | SOLE |  | 31 | 0 | 1085 |
| BANK AMERICA CORP | COM | 060505104 |  | 735492 | 15543 | SH |  | SOLE |  | 0 | 0 | 15543 |
| CISCO SYS INC | COM | 17275R102 |  | 343330 | 4949 | SH |  | SOLE |  | 0 | 0 | 4949 |
| JOHNSON  JOHNSON | COM | 478160104 |  | 319859 | 2094 | SH |  | SOLE |  | 63 | 0 | 2031 |
| PROCTER AND GAMBLE CO | COM | 742718109 |  | 350597 | 2201 | SH |  | SOLE |  | 0 | 0 | 2201 |
| RTX CORPORATION | COM | 75513E101 |  | 540566 | 3702 | SH |  | SOLE |  | 967 | 0 | 2735 |
| STRYKER CORPORATION | COM | 863667101 |  | 514539 | 1301 | SH |  | SOLE |  | 283 | 0 | 1018 |
| CAMBRIA ETF TR | SHSHLD YIELD ETF | 132061201 |  | 1115352 | 17151 | SH |  | SOLE |  | 1658 | 0 | 15493 |
| SCHWAB STRATEGIC TR | US BRD MKT ETF | 808524102 |  | 5718655 | 239977 | SH |  | SOLE |  | 1449 | 0 | 238528 |
| BERKSHIRE HATHAWAY INC DEL | CL B NEW | 084670702 |  | 1886245 | 3883 | SH |  | SOLE |  | 480 | 0 | 3403 |
| ISHARES TR | CORE HIGH DV ETF | 46429B663 |  | 471375 | 4023 | SH |  | SOLE |  | 66 | 0 | 3957 |
| SCHWAB STRATEGIC TR | US DIVIDEND EQ | 808524797 |  | 699422 | 26393 | SH |  | SOLE |  | 335 | 0 | 26058 |
| VANGUARD INDEX FDS | VALUE ETF | 922908744 |  | 2198474 | 12439 | SH |  | SOLE |  | 1691 | 0 | 10748 |
| ABBVIE INC | COM | 00287Y109 |  | 641688 | 3457 | SH |  | SOLE |  | 482 | 0 | 2975 |
| BROADCOM INC | COM | 11135F101 |  | 1758096 | 6378 | SH |  | SOLE |  | 1172 | 0 | 5206 |
| MARRIOTT INTL INC NEW | CL A | 571903202 |  | 310093 | 1135 | SH |  | SOLE |  | 0 | 0 | 1135 |
| DISNEY WALT CO | COM | 254687106 |  | 346883 | 2797 | SH |  | SOLE |  | 3 | 0 | 2794 |
| AQUESTIVE THERAPEUTICS INC | COM | 03843E104 |  | 33100 | 10000 | SH |  | SOLE |  | 0 | 0 | 10000 |
| JPMORGAN CHASE  CO. | COM | 46625H100 |  | 2383060 | 8220 | SH |  | SOLE |  | 33 | 0 | 8187 |
| VANGUARD INDEX FDS | TOTAL STK MKT | 922908769 |  | 470788 | 1549 | SH |  | SOLE |  | 12 | 0 | 1537 |
| ABBOTT LABS | COM | 002824100 |  | 544312 | 4002 | SH |  | SOLE |  | 753 | 0 | 3249 |
| DEERE  CO | COM | 244199105 |  | 287297 | 565 | SH |  | SOLE |  | 0 | 0 | 565 |
| PALO ALTO NETWORKS INC | COM | 697435105 |  | 517739 | 2530 | SH |  | SOLE |  | 0 | 0 | 2530 |
| J P MORGAN EXCHANGE TRADED F | ACTIVE GROWTH | 46654Q609 |  | 244008 | 2835 | SH |  | SOLE |  | 0 | 0 | 2835 |
| J P MORGAN EXCHANGE TRADED F | ACTIVE VALUE ETF | 46641Q167 |  | 208159 | 3178 | SH |  | SOLE |  | 0 | 0 | 3178 |
| J P MORGAN EXCHANGE TRADED F | US QUALTY FCTR | 46641Q761 |  | 218702 | 3642 | SH |  | SOLE |  | 0 | 0 | 3642 |
| J P MORGAN EXCHANGE TRADED F | US VALUE FACTR | 46641Q753 |  | 202573 | 4580 | SH |  | SOLE |  | 0 | 0 | 4580 |
| WELLS FARGO CO NEW | COM | 949746101 |  | 269398 | 3362 | SH |  | SOLE |  | 0 | 0 | 3362 |
| ELI LILLY  CO | COM | 532457108 |  | 782648 | 1004 | SH |  | SOLE |  | 2 | 0 | 1002 |
| INVESCO QQQ TR | UNIT SER 1 | 46090E103 |  | 630831 | 1144 | SH |  | SOLE |  | 0 | 0 | 1144 |
| ISHARES TR | RUS 1000 ETF | 464287622 |  | 542972 | 1599 | SH |  | SOLE |  | 0 | 0 | 1599 |
| MERCK  CO INC | COM | 58933Y105 |  | 397058 | 5016 | SH |  | SOLE |  | 0 | 0 | 5016 |
| META PLATFORMS INC | CL A | 30303M102 |  | 487877 | 661 | SH |  | SOLE |  | 0 | 0 | 661 |
| EXXON MOBIL CORP | COM | 30231G102 |  | 743647 | 6898 | SH |  | SOLE |  | 0 | 0 | 6898 |
| VANGUARD WHITEHALL FDS | HIGH DIV YLD | 921946406 |  | 598029 | 4486 | SH |  | SOLE |  | 0 | 0 | 4486 |
| VANGUARD INDEX FDS | LARGE CAP ETF | 922908637 |  | 287012 | 1006 | SH |  | SOLE |  | 0 | 0 | 1006 |
| BILL HOLDINGS INC | COM | 090043100 |  | 231300 | 5000 | SH |  | SOLE |  | 0 | 0 | 5000 |
| ISHARES TR | CORE S MCP ETF | 464287507 |  | 245289 | 3955 | SH |  | SOLE |  | 0 | 0 | 3955 |
| ISHARES TR | CORE S US VLU | 464287663 |  | 221907 | 2345 | SH |  | SOLE |  | 0 | 0 | 2345 |
| VANGUARD TAX-MANAGED FDS | VAN FTSE DEV MKT | 921943858 |  | 634374 | 11127 | SH |  | SOLE |  | 0 | 0 | 11127 |
| TESLA INC | COM | 88160R101 |  | 2226161 | 7008 | SH |  | SOLE |  | 1134 | 0 | 5874 |
| BLACKROCK INC | COM | 09290D101 |  | 465867 | 444 | SH |  | SOLE |  | 105 | 0 | 339 |
| MCDONALDS CORP | COM | 580135101 |  | 239882 | 821 | SH |  | SOLE |  | 0 | 0 | 821 |
| AMGEN INC | COM | 031162100 |  | 237063 | 849 | SH |  | SOLE |  | 0 | 0 | 849 |
| INTERNATIONAL BUSINESS MACHS | COM | 459200101 |  | 207964 | 705 | SH |  | SOLE |  | 0 | 0 | 705 |
| ORACLE CORP | COM | 68389X105 |  | 323836 | 1481 | SH |  | SOLE |  | 0 | 0 | 1481 |
| CHIPOTLE MEXICAN GRILL INC | COM | 169656105 |  | 454815 | 8100 | SH |  | SOLE |  | 0 | 0 | 8100 |
| J P MORGAN EXCHANGE TRADED F | EQUITY PREMIUM | 46641Q332 |  | 273449 | 4810 | SH |  | SOLE |  | 0 | 0 | 4810 |
| SEMPRA | COM | 816851109 |  | 302250 | 3989 | SH |  | SOLE |  | 702 | 0 | 3287 |
| ISHARES TR | RUS MID CAP ETF | 464287499 |  | 268943 | 2924 | SH |  | SOLE |  | 0 | 0 | 2924 |
| MORGAN STANLEY | COM NEW | 617446448 |  | 394408 | 2800 | SH |  | SOLE |  | 0 | 0 | 2800 |
| SELECT SECTOR SPDR TR | TECHNOLOGY | 81369Y803 |  | 286150 | 1130 | SH |  | SOLE |  | 0 | 0 | 1130 |
| FIRST TR EXCHANGE-TRADED FD | CAP STRENGTH ETF | 33733E104 |  | 221135 | 2433 | SH |  | SOLE |  | 0 | 0 | 2433 |
| QUALCOMM INC | COM | 747525103 |  | 410838 | 2580 | SH |  | SOLE |  | 0 | 0 | 2580 |
| SIMPSON MFG INC | COM | 829073105 |  | 599031 | 3857 | SH |  | SOLE |  | 0 | 0 | 3857 |
| STATE STR CORP | COM | 857477103 |  | 456624 | 4294 | SH |  | SOLE |  | 0 | 0 | 4294 |
| CME GROUP INC | COM | 12572Q105 |  | 451190 | 1637 | SH |  | SOLE |  | 548 | 0 | 1089 |
| HUNTINGTON INGALLS INDS INC | COM | 446413106 |  | 230111 | 953 | SH |  | SOLE |  | 281 | 0 | 672 |
| NORFOLK SOUTHN CORP | COM | 655844108 |  | 292318 | 1142 | SH |  | SOLE |  | 376 | 0 | 766 |
| OREILLY AUTOMOTIVE INC | COM | 67103H107 |  | 651640 | 7230 | SH |  | SOLE |  | 2235 | 0 | 4995 |
| TRACTOR SUPPLY CO | COM | 892356106 |  | 332451 | 6300 | SH |  | SOLE |  | 2075 | 0 | 4225 |
| UNITEDHEALTH GROUP INC | COM | 91324P102 |  | 292316 | 937 | SH |  | SOLE |  | 217 | 0 | 720 |
| VANGUARD INDEX FDS | MID CAP ETF | 922908629 |  | 475431 | 1699 | SH |  | SOLE |  | 0 | 0 | 1699 |
| VANGUARD INDEX FDS | MCAP VL IDXVIP | 922908512 |  | 257709 | 1567 | SH |  | SOLE |  | 0 | 0 | 1567 |
| HONEYWELL INTL INC | COM | 438516106 |  | 204934 | 880 | SH |  | SOLE |  | 0 | 0 | 880 |
| DIMENSIONAL ETF TRUST | US CORE EQUITY 2 | 25434V708 |  | 246758 | 6885 | SH |  | SOLE |  | 0 | 0 | 6885 |

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