# EDGAR Filing Document

**Accession Number:** 0002056697
**File Stem:** 0002056697-25-000005
**Filing Date:** 2025-11
**Character Count:** 17266
**Document Hash:** df0c257af9bffce2e816744a2c43132f
**Contains OCR:** False
**Source Format:** 

## Filing Content

## Filing Summary
**0002056697-25-000005.hdr.sgml**: 20251104

**ACCESSION NUMBER**: 0002056697-25-000005

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

**PUBLIC DOCUMENT COUNT**: 2

**CONFORMED PERIOD OF REPORT**: 20250630

**FILED AS OF DATE**: 20251104

**DATE AS OF CHANGE**: 20251104

**EFFECTIVENESS DATE**: 20251104

**FILER**: 

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** Peak Retirement Planning, Inc.
- **CENTRAL INDEX KEY:** 0002056697

**ORGANIZATION NAME:**
- **EIN:** 400013357

**FILING VALUES:**
- **FORM TYPE:** 13F-HR
- **SEC ACT:** 1934 Act
- **SEC FILE NUMBER:** 028-25389
- **FILM NUMBER:** 251447784

**BUSINESS ADDRESS:**
- **STREET 1:** 3600 OLENTANGY RIVER RD
- **STREET 2:** BUILDING 501
- **CITY:** COLUMBUS
- **STATE:** OH
- **ZIP:** 43214
- **BUSINESS PHONE:** 6145004121

**MAIL ADDRESS:**
- **STREET 1:** 3600 OLENTANGY RIVER RD
- **STREET 2:** BUILDING 501
- **CITY:** COLUMBUS
- **STATE:** OH
- **ZIP:** 43214

### 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:** Peak Retirement Planning Inc.<br>**Address:** 3600 OLENTANGY RIVER RD<br>BUILDING 501<br>COLUMBUS, OH 43214

**Form 13F File Number:** 028-25389

**CRD Number (if applicable):** 000317592

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:** Brandon Smith<br>**Title:** Operations Lead<br>**Phone:** 6145004121

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

Brandon Smith  Columbus, OH  11-04-2025<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:** 118

**Form 13F Information Table Value Total:** $247721262

      (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 |
| APPLE INC | Common Stock | 037833100 |  | 2566480 | 12509 | SH |  | SOLE |  | 0 | 0 | 12509 |
| ABBVIE INC | Common Stock | 00287Y109 |  | 329690 | 1776 | SH |  | SOLE |  | 0 | 0 | 1776 |
| ABBOTT LABS | Common Stock | 002824100 |  | 1796520 | 13209 | SH |  | SOLE |  | 0 | 0 | 13209 |
| American Electric Power Company Inc. - Common Stock | Common Stock | 025537101 |  | 857496 | 8264 | SH |  | SOLE |  | 0 | 0 | 8264 |
| AMAZON.COM INC | Common Stock | 023135106 |  | 962812 | 4389 | SH |  | SOLE |  | 0 | 0 | 4389 |
| APPLOVIN CORP           CLASS                  A | Class A Common Stock | 03831W108 |  | 1362158 | 3891 | SH |  | SOLE |  | 0 | 0 | 3891 |
| BROADCOM INC | Common Stock | 11135F101 |  | 1837348 | 6666 | SH |  | SOLE |  | 0 | 0 | 6666 |
| American Express Company Common Stock | Common Stock | 025816109 |  | 230958 | 724 | SH |  | SOLE |  | 0 | 0 | 724 |
| VANGUARD TOTAL BOND     MARKET ETF | Exchange Traded Fund | 921937835 |  | 6110644 | 82991 | SH |  | SOLE |  | 0 | 0 | 82991 |
| Berkshire Hathaway Inc. New Common Stock | Common Stock | 084670702 |  | 2584222 | 5320 | SH |  | SOLE |  | 0 | 0 | 5320 |
| CONAGRA BRANDS INC | Common Stock | 205887102 |  | 1118431 | 54638 | SH |  | SOLE |  | 0 | 0 | 54638 |
| CBOE GLOBAL MKTS INC | Common Stock | 12503M108 |  | 1306607 | 5603 | SH |  | SOLE |  | 0 | 0 | 5603 |
| Clear Channel Outdoor Holdings Inc. Common Stock | Common Stock | 18453H106 |  | 14805 | 12654 | SH |  | SOLE |  | 0 | 0 | 12654 |
| CF INDS HLDGS INC | Common Stock | 125269100 |  | 1292611 | 14050 | SH |  | SOLE |  | 0 | 0 | 14050 |
| CHARTER COMMUNICATIONS ICLASS                  A | Class A Common Stock | 16119P108 |  | 1522767 | 3725 | SH |  | SOLE |  | 0 | 0 | 3725 |
| CHEWY INC               CLASS                  A | Class A Common Stock | 16679L109 |  | 1307253 | 30672 | SH |  | SOLE |  | 0 | 0 | 30672 |
| COLGATE PALMOLIVE CO | Common Stock | 194162103 |  | 1425384 | 15681 | SH |  | SOLE |  | 0 | 0 | 15681 |
| CME GROUP INC           CLASS                  A | Class A Common Stock | 12572Q105 |  | 1253029 | 4546 | SH |  | SOLE |  | 0 | 0 | 4546 |
| CENTENE CORP DEL | Common Stock | 15135B101 |  | 1391686 | 25639 | SH |  | SOLE |  | 0 | 0 | 25639 |
| CONOCOPHILLIPS | Common Stock | 20825C104 |  | 1356261 | 15113 | SH |  | SOLE |  | 0 | 0 | 15113 |
| CISCO SYS INC | Common Stock | 17275R102 |  | 1441121 | 20771 | SH |  | SOLE |  | 0 | 0 | 20771 |
| DECKERS OUTDOOR CORP | Common Stock | 243537107 |  | 1405854 | 13640 | SH |  | SOLE |  | 0 | 0 | 13640 |
| Dimensional ETF U.S. Core Equity 2 ETF | Exchange Traded Fund | 25434V708 |  | 292653 | 8166 | SH |  | SOLE |  | 0 | 0 | 8166 |
| QUEST DIAGNOSTICS INC | Common Stock | 74834L100 |  | 1317714 | 7336 | SH |  | SOLE |  | 0 | 0 | 7336 |
| D R HORTON INC | Common Stock | 23331A109 |  | 1570933 | 12185 | SH |  | SOLE |  | 0 | 0 | 12185 |
| EOG RES INC | Common Stock | 26875P101 |  | 1359402 | 11365 | SH |  | SOLE |  | 0 | 0 | 11365 |
| Fidelity Covington Trust Fidelity Enhanced Large Cap Core ETF | Exchange Traded Fund | 316092113 |  | 419335 | 12158 | SH |  | SOLE |  | 0 | 0 | 12158 |
| Fiserv Inc. Common Stock | Common Stock | 337738108 |  | 276718 | 1605 | SH |  | SOLE |  | 0 | 0 | 1605 |
| FLEX LTD               F | Ordinary Shares | Y2573F102 |  | 1728799 | 34631 | SH |  | SOLE |  | 0 | 0 | 34631 |
| FOX CORP                CLASS                  A | Class A Common Stock | 35137L105 |  | 1308402 | 23348 | SH |  | SOLE |  | 0 | 0 | 23348 |
| FIDELITY MSCI INFOR TECHINDX ETF | Exchange Traded Fund | 316092808 |  | 343952 | 1744 | SH |  | SOLE |  | 0 | 0 | 1744 |
| GAP INC | Common Stock | 364760108 |  | 1434272 | 65762 | SH |  | SOLE |  | 0 | 0 | 65762 |
| GILEAD SCIENCES INC | Common Stock | 375558103 |  | 1311288 | 11827 | SH |  | SOLE |  | 0 | 0 | 11827 |
| GENERAL MILLS INC | Common Stock | 370334104 |  | 1215220 | 23455 | SH |  | SOLE |  | 0 | 0 | 23455 |
| SPDR GOLD MINISHARES ETV | Exchange Traded Fund | 98149E303 |  | 274136 | 4184 | SH |  | SOLE |  | 0 | 0 | 4184 |
| ALPHABET INC            CLASS                  A | Class A Common Stock | 02079K305 |  | 1933631 | 10972 | SH |  | SOLE |  | 0 | 0 | 10972 |
| iShares U.S. Treasury Bond ETF | Exchange Traded Fund | 46429B267 |  | 405587 | 17650 | SH |  | SOLE |  | 0 | 0 | 17650 |
| HOME DEPOT INC | Common Stock | 437076102 |  | 278505 | 760 | SH |  | SOLE |  | 0 | 0 | 760 |
| HERSHEY CO | Common Stock | 427866108 |  | 1302206 | 7847 | SH |  | SOLE |  | 0 | 0 | 7847 |
| International Business Machines Corporation Common Stock | Common Stock | 459200101 |  | 285310 | 968 | SH |  | SOLE |  | 0 | 0 | 968 |
| iShares Core MSCI EAFE ETF | Exchange Traded Fund | 46432F842 |  | 367284 | 4400 | SH |  | SOLE |  | 0 | 0 | 4400 |
| iShares Core S U.S. Value ETF | Exchange Traded Fund | 464287663 |  | 362024 | 3826 | SH |  | SOLE |  | 0 | 0 | 3826 |
| iShares Core S 500 ETF | Exchange Traded Fund | 464287200 |  | 703992 | 1134 | SH |  | SOLE |  | 0 | 0 | 1134 |
| JABIL INC | Common Stock | 466313103 |  | 1886738 | 8651 | SH |  | SOLE |  | 0 | 0 | 8651 |
| JOHNSON  JOHNSON | Common Stock | 478160104 |  | 1381585 | 9045 | SH |  | SOLE |  | 0 | 0 | 9045 |
| JPMORGAN CHASE  CO | Common Stock | 46625H100 |  | 1565976 | 5402 | SH |  | SOLE |  | 0 | 0 | 5402 |
| KIMBERLY CLARK CORP | Common Stock | 494368103 |  | 1218094 | 9448 | SH |  | SOLE |  | 0 | 0 | 9448 |
| LITHIA MTRS INC | Common Stock | 536797103 |  | 1548564 | 4584 | SH |  | SOLE |  | 0 | 0 | 4584 |
| ELI LILLY AND CO | Common Stock | 532457108 |  | 427092 | 548 | SH |  | SOLE |  | 0 | 0 | 548 |
| LOCKHEED MARTIN CORP | Common Stock | 539830109 |  | 1254905 | 2710 | SH |  | SOLE |  | 0 | 0 | 2710 |
| LANTHEUS HLDGS INC | Common Stock | 516544103 |  | 1545060 | 18874 | SH |  | SOLE |  | 0 | 0 | 18874 |
| LOWES COS INC | Common Stock | 548661107 |  | 342851 | 1545 | SH |  | SOLE |  | 0 | 0 | 1545 |
| META PLATFORMS INC      CLASS                  A | Class A Common Stock | 30303M102 |  | 403859 | 547 | SH |  | SOLE |  | 0 | 0 | 547 |
| Vanguard Mega Cap Growth ETF | Exchange Traded Fund | 921910816 |  | 314336 | 858 | SH |  | SOLE |  | 0 | 0 | 858 |
| MERIT MED SYS INC | Common Stock | 589889104 |  | 1442009 | 15426 | SH |  | SOLE |  | 0 | 0 | 15426 |
| ALTRIA GROUP INC | Common Stock | 02209S103 |  | 1324127 | 22584 | SH |  | SOLE |  | 0 | 0 | 22584 |
| MONOLITHIC PWR SYS INC | Common Stock | 609839105 |  | 1613276 | 2206 | SH |  | SOLE |  | 0 | 0 | 2206 |
| MERCK  CO. INC. | Common Stock | 58933Y105 |  | 1361281 | 17197 | SH |  | SOLE |  | 0 | 0 | 17197 |
| MICROSOFT CORP | Common Stock | 594918104 |  | 3097775 | 6228 | SH |  | SOLE |  | 0 | 0 | 6228 |
| MGIC INVT CORP WIS | Common Stock | 552848103 |  | 595579 | 21393 | SH |  | SOLE |  | 0 | 0 | 21393 |
| NEUROCRINE BIOSCIENCES I | Common Stock | 64125C109 |  | 1494826 | 11893 | SH |  | SOLE |  | 0 | 0 | 11893 |
| NEXTERA ENERGY INC | Common Stock | 65339F101 |  | 254903 | 3672 | SH |  | SOLE |  | 0 | 0 | 3672 |
| NVIDIA CORP | Common Stock | 67066G104 |  | 2081163 | 13173 | SH |  | SOLE |  | 0 | 0 | 13173 |
| OPTION CARE HEALTH INC | Common Stock | 68404L201 |  | 1478867 | 45532 | SH |  | SOLE |  | 0 | 0 | 45532 |
| Oracle Corporation Common Stock | Common Stock | 68389X105 |  | 318301 | 1456 | SH |  | SOLE |  | 0 | 0 | 1456 |
| PALO ALTO NETWORKS INC | Common Stock | 697435105 |  | 1663408 | 8128 | SH |  | SOLE |  | 0 | 0 | 8128 |
| PACCAR Inc. - Common Stock | Common Stock | 693718108 |  | 225208 | 2369 | SH |  | SOLE |  | 0 | 0 | 2369 |
| PEPSICO INC | Common Stock | 713448108 |  | 1335522 | 10115 | SH |  | SOLE |  | 0 | 0 | 10115 |
| PROCTER  GAMBLE CO | Common Stock | 742718109 |  | 1271954 | 7984 | SH |  | SOLE |  | 0 | 0 | 7984 |
| PULTEGROUP INC | Common Stock | 745867101 |  | 1552284 | 14719 | SH |  | SOLE |  | 0 | 0 | 14719 |
| INSULET CORP | Common Stock | 45784P101 |  | 1440646 | 4585 | SH |  | SOLE |  | 0 | 0 | 4585 |
| INVESCO QQQ TRUST | Exchange Traded Fund | 46090E103 |  | 594116 | 1077 | SH |  | SOLE |  | 0 | 0 | 1077 |
| Invesco S 500 Equal Weight ETF | Exchange Traded Fund | 46137V357 |  | 557166 | 3066 | SH |  | SOLE |  | 0 | 0 | 3066 |
| Schwab U.S. Broad Market ETF | Exchange Traded Fund | 808524102 |  | 263720 | 11067 | SH |  | SOLE |  | 0 | 0 | 11067 |
| Schwab US Dividend Equity ETF | Exchange Traded Fund | 808524797 |  | 230082 | 8682 | SH |  | SOLE |  | 0 | 0 | 8682 |
| SCHWAB INTERNATIONAL    EQUITY ETF | Exchange Traded Fund | 808524805 |  | 234137 | 10594 | SH |  | SOLE |  | 0 | 0 | 10594 |
| ISHARES 0-3 MONTH       TREASURY BOND ETF | Exchange Traded Fund | 46436E718 |  | 52138603 | 517813 | SH |  | SOLE |  | 0 | 0 | 517813 |
| SNAP ON INC | Common Stock | 833034101 |  | 1244199 | 3998 | SH |  | SOLE |  | 0 | 0 | 3998 |
| Southern Company (The) Common Stock | Common Stock | 842587107 |  | 275310 | 2998 | SH |  | SOLE |  | 0 | 0 | 2998 |
| SPDR S 500 | Exchange Traded Fund | 78462F103 |  | 370444 | 600 | SH |  | SOLE |  | 0 | 0 | 600 |
| TENET HEALTHCARE CORP | Common Stock | 88033G407 |  | 1570347 | 8922 | SH |  | SOLE |  | 0 | 0 | 8922 |
| PRICE T ROWE GROUP INC | Common Stock | 74144T108 |  | 1319605 | 13675 | SH |  | SOLE |  | 0 | 0 | 13675 |
| Tesla Inc. - Common Stock | Common Stock | 88160R101 |  | 247238 | 778 | SH |  | SOLE |  | 0 | 0 | 778 |
| UNITEDHEALTH GROUP INC | Common Stock | 91324P102 |  | 251605 | 807 | SH |  | SOLE |  | 0 | 0 | 807 |
| US BANCORP DEL | Common Stock | 902973304 |  | 1300116 | 28732 | SH |  | SOLE |  | 0 | 0 | 28732 |
| Vanguard Small-Cap ETF | Exchange Traded Fund | 922908751 |  | 626252 | 2643 | SH |  | SOLE |  | 0 | 0 | 2643 |
| VANGUARD SMALL CAP      GROWTH ETF | Exchange Traded Fund | 922908595 |  | 2270751 | 8199 | SH |  | SOLE |  | 0 | 0 | 8199 |
| VANGUARD SMALL CAP VALUEETF | Exchange Traded Fund | 922908611 |  | 4685621 | 24028 | SH |  | SOLE |  | 0 | 0 | 24028 |
| Vanguard Intermediate-Term Corporate Bond ETF | Exchange Traded Fund | 92206C870 |  | 235022 | 2834 | SH |  | SOLE |  | 0 | 0 | 2834 |
| VANGUARD FTSE DEVELOPED MARKETS ETF | Exchange Traded Fund | 921943858 |  | 7849420 | 137685 | SH |  | SOLE |  | 0 | 0 | 137685 |
| Vanguard Information Tech ETF | Exchange Traded Fund | 92204A702 |  | 690605 | 1041 | SH |  | SOLE |  | 0 | 0 | 1041 |
| VICI PPTYS INC          REIT | REIT | 925652109 |  | 1299212 | 39853 | SH |  | SOLE |  | 0 | 0 | 39853 |
| VANGUARD DIVIDEND       APPRECIATION ETF | Exchange Traded Fund | 921908844 |  | 876117 | 4281 | SH |  | SOLE |  | 0 | 0 | 4281 |
| VANGUARD REAL ESTATE    ETF | Exchange Traded Fund | 922908553 |  | 3819428 | 42886 | SH |  | SOLE |  | 0 | 0 | 42886 |
| VANGUARD MID CAP ETF | Exchange Traded Fund | 922908629 |  | 816571 | 2918 | SH |  | SOLE |  | 0 | 0 | 2918 |
| VANGUARD MID CAP VALUE  ETF | Exchange Traded Fund | 922908512 |  | 2400114 | 14594 | SH |  | SOLE |  | 0 | 0 | 14594 |
| VANGUARD S 500 ETF | Exchange Traded Fund | 922908363 |  | 8059751 | 14189 | SH |  | SOLE |  | 0 | 0 | 14189 |
| VANGUARD MID CAP GROWTH ETF | Exchange Traded Fund | 922908538 |  | 5474020 | 19248 | SH |  | SOLE |  | 0 | 0 | 19248 |
| Vanguard Tax-Exempt Bond ETF | Exchange Traded Fund | 922907746 |  | 726810 | 14824 | SH |  | SOLE |  | 0 | 0 | 14824 |
| VANGUARD TOTAL STOCK    MARKET ETF | Exchange Traded Fund | 922908769 |  | 4140598 | 13624 | SH |  | SOLE |  | 0 | 0 | 13624 |
| Vanguard Short-Term Inflation-Protected Securities Index Fund ETF Shares | Exchange Traded Fund | 922020805 |  | 291958 | 5808 | SH |  | SOLE |  | 0 | 0 | 5808 |
| VANGUARD VALUE ETF | Exchange Traded Fund | 922908744 |  | 4560548 | 25804 | SH |  | SOLE |  | 0 | 0 | 25804 |
| VANGUARD GROWTH ETF | Exchange Traded Fund | 922908736 |  | 7519716 | 17153 | SH |  | SOLE |  | 0 | 0 | 17153 |
| Vanguard Large-Cap ETF | Exchange Traded Fund | 922908637 |  | 400427 | 1404 | SH |  | SOLE |  | 0 | 0 | 1404 |
| VANGUARD FTSE EMERGING  MARKETS ETF | Exchange Traded Fund | 922042858 |  | 6476593 | 130946 | SH |  | SOLE |  | 0 | 0 | 130946 |
| VANGUARD HIGH DIVIDEND  YIELD ETF | Exchange Traded Fund | 921946406 |  | 344781 | 2586 | SH |  | SOLE |  | 0 | 0 | 2586 |
| VERIZON COMMUNICATIONS I | Common Stock | 92343V104 |  | 1380620 | 31907 | SH |  | SOLE |  | 0 | 0 | 31907 |
| Wells Fargo  Company Common Stock | Common Stock | 949746101 |  | 540458 | 6746 | SH |  | SOLE |  | 0 | 0 | 6746 |
| WILLIAMS SONOMA INC | Common Stock | 969904101 |  | 1520067 | 9304 | SH |  | SOLE |  | 0 | 0 | 9304 |
| Materials Select Sector SPDR | Exchange Traded Fund | 81369Y100 |  | 234307 | 2668 | SH |  | SOLE |  | 0 | 0 | 2668 |
| COMMUNICAT SVS SLCT SEC SPDR ETF | Exchange Traded Fund | 81369Y852 |  | 8136640 | 74971 | SH |  | SOLE |  | 0 | 0 | 74971 |
| SPDR Select Sector Fund - Financial | Exchange Traded Fund | 81369Y605 |  | 357778 | 6832 | SH |  | SOLE |  | 0 | 0 | 6832 |
| SPDR Select Sector Fund - Consumer Staples | Exchange Traded Fund | 81369Y308 |  | 354445 | 4377 | SH |  | SOLE |  | 0 | 0 | 4377 |
| REAL ESTATE SELECT SCTR SPDR ETF | Exchange Traded Fund | 81369Y860 |  | 7591052 | 183270 | SH |  | SOLE |  | 0 | 0 | 183270 |
| SELECT SECTOR HEALTH    CARE SPDR ETF | Exchange Traded Fund | 81369Y209 |  | 7479396 | 55489 | SH |  | SOLE |  | 0 | 0 | 55489 |
| SPDR FUND CONSUMER      DISCRE SELECT ETF | Exchange Traded Fund | 81369Y407 |  | 7476261 | 34401 | SH |  | SOLE |  | 0 | 0 | 34401 |
| Exxon Mobil Corporation Common Stock | Common Stock | 30231G102 |  | 666779 | 6185 | SH |  | SOLE |  | 0 | 0 | 6185 |
| ZOOM COMMUNICATIONS INC CLASS                  A | Class A Common Stock | 98980L101 |  | 1416767 | 18168 | SH |  | SOLE |  | 0 | 0 | 18168 |

---