# EDGAR Filing Document

**Accession Number:** 0001766995
**File Stem:** 0001766995-23-000004
**Filing Date:** 2023-2
**Character Count:** 14017
**Document Hash:** 891e7002522928596a866aabe5e0707e
**Contains OCR:** False
**Source Format:** 

## Filing Content

## Filing Summary
**0001766995-23-000004.hdr.sgml**: 20230213

**ACCESSION NUMBER**: 0001766995-23-000004

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

**PUBLIC DOCUMENT COUNT**: 2

**CONFORMED PERIOD OF REPORT**: 20221231

**FILED AS OF DATE**: 20230213

**DATE AS OF CHANGE**: 20230213

**EFFECTIVENESS DATE**: 20230213

**FILER**: 

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** SUMMIT WEALTH & RETIREMENT PLANNING, INC.
- **CENTRAL INDEX KEY:** 0001766995
- **IRS NUMBER:** 472346871
- **STATE OF INCORPORATION:** CA
- **FISCAL YEAR END:** 1231

**FILING VALUES:**
- **FORM TYPE:** 13F-HR/A
- **SEC ACT:** 1934 Act
- **SEC FILE NUMBER:** 028-19057
- **FILM NUMBER:** 23615800

**BUSINESS ADDRESS:**
- **STREET 1:** 55 OAK CT.
- **STREET 2:** SUITE 210
- **CITY:** DANVILLE
- **STATE:** CA
- **ZIP:** 94526
- **BUSINESS PHONE:** 925-927-1900

**MAIL ADDRESS:**
- **STREET 1:** 55 OAK CT.
- **STREET 2:** SUITE 210
- **CITY:** DANVILLE
- **STATE:** CA
- **ZIP:** 94526

### FORM 13F COVER PAGE

**Report for the Calendar Year or Quarter Ended:** 12-31-2022

**Check here if Amendment** [x] **Amendment Number:** 1

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

[ ] adds new holdings entries.

**Institutional Investment Manager Filing this Report:**

**Name:** SUMMIT WEALTH  RETIREMENT PLANNING INC.<br>**Address:** 55 OAK CT.<br>SUITE 210<br>DANVILLE, CA 94526

**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:** D. Ryan McCloskey<br>**Title:** Chief Operating Officer<br>**Phone:** 925-927-1900

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

D. Ryan McCloskey  Carmel, IN  02-13-2023<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:** 103

**Form 13F Information Table Value Total:** $245942416

      (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 |
| ABRDN PRECIOUS METALS BASKET | PHYSCL PRECS MET | 003263100 |  | 8004645 | 89708 | SH |  | SOLE |  | 0 | 0 | 89708 |
| ADVANCED MICRO DEVICES INC | COM | 007903107 |  | 297230 | 4589 | SH |  | SOLE |  | 0 | 0 | 4589 |
| ALPHABET INC | CAP STK CL C | 02079K107 |  | 308780 | 3480 | SH |  | SOLE |  | 0 | 0 | 3480 |
| ALPHABET INC | CAP STK CL A | 02079K305 |  | 1144520 | 12972 | SH |  | SOLE |  | 0 | 0 | 12972 |
| AMAZON COM INC | COM | 023135106 |  | 645960 | 7690 | SH |  | SOLE |  | 0 | 0 | 7690 |
| APOLLO SR FLOATING RATE FD I | COM | 037636107 |  | 246948 | 20012 | SH |  | SOLE |  | 0 | 0 | 20012 |
| APPLE INC | COM | 037833100 |  | 2615970 | 20134 | SH |  | SOLE |  | 0 | 0 | 20134 |
| BERKSHIRE HATHAWAY INC DEL | CL B NEW | 084670702 |  | 321256 | 1040 | SH |  | SOLE |  | 0 | 0 | 1040 |
| BILL COM HLDGS INC | COM | 090043100 |  | 1634400 | 15000 | SH |  | SOLE |  | 0 | 0 | 15000 |
| BLACKROCK FLOATING RATE INCO | COM | 09255X100 |  | 156154 | 13868 | SH |  | SOLE |  | 0 | 0 | 13868 |
| BLUEPRINT MEDICINES CORP | COM | 09627Y109 |  | 262290 | 5987 | SH |  | SOLE |  | 0 | 0 | 5987 |
| BROADCOM INC | COM | 11135F101 |  | 543474 | 972 | SH |  | SOLE |  | 0 | 0 | 972 |
| CATALENT INC | COM | 148806102 |  | 283383 | 6296 | SH |  | SOLE |  | 0 | 0 | 6296 |
| CHEVRON CORP NEW | COM | 166764100 |  | 444361 | 2476 | SH |  | SOLE |  | 0 | 0 | 2476 |
| CO-DIAGNOSTICS INC | COM | 189763105 |  | 31059 | 12325 | SH |  | SOLE |  | 0 | 0 | 12325 |
| COPART INC | COM | 217204106 |  | 876816 | 14400 | SH |  | SOLE |  | 0 | 0 | 14400 |
| COSTCO WHSL CORP NEW | COM | 22160K105 |  | 692054 | 1516 | SH |  | SOLE |  | 0 | 0 | 1516 |
| DIAMONDBACK ENERGY INC | COM | 25278X109 |  | 308439 | 2255 | SH |  | SOLE |  | 0 | 0 | 2255 |
| DISNEY WALT CO | COM | 254687106 |  | 254486 | 2929 | SH |  | SOLE |  | 0 | 0 | 2929 |
| DUTCH BROS INC | CL A | 26701L100 |  | 204969 | 7271 | SH |  | SOLE |  | 0 | 0 | 7271 |
| ETF SER SOLUTIONS | US GLB JETS | 26922A842 |  | 662123 | 38766 | SH |  | SOLE |  | 0 | 0 | 38766 |
| ELECTRONIC ARTS INC | COM | 285512109 |  | 538447 | 4407 | SH |  | SOLE |  | 0 | 0 | 4407 |
| ENERGY TRANSFER L P | COM UT LTD PTN | 29273V100 |  | 611637 | 51528 | SH |  | SOLE |  | 0 | 0 | 51528 |
| FIRST TR EXCHANGE-TRADED FD | CAP STRENGTH ETF | 33733E104 |  | 229797 | 3066 | SH |  | SOLE |  | 0 | 0 | 3066 |
| FLEXSHARES TR | HIG YLD VL ETF | 33939L662 |  | 679283 | 17046 | SH |  | SOLE |  | 0 | 0 | 17046 |
| FLEXSHARES TR | CR SCD US BD | 33939L761 |  | 525300 | 11327 | SH |  | SOLE |  | 0 | 0 | 11327 |
| FORGEROCK INC | CL A | 34631B101 |  | 2055243 | 90261 | SH |  | SOLE |  | 0 | 0 | 90261 |
| HOME DEPOT INC | COM | 437076102 |  | 919976 | 2913 | SH |  | SOLE |  | 0 | 0 | 2913 |
| INGERSOLL RAND INC | COM | 45687V106 |  | 758827 | 14523 | SH |  | SOLE |  | 0 | 0 | 14523 |
| INVESCO QQQ TR | UNIT SER 1 | 46090E103 |  | 239386 | 899 | SH |  | SOLE |  | 0 | 0 | 899 |
| INVESCO DB MULTI-SECTOR COMM | PRECIOUS METAL | 46140H502 |  | 1653476 | 34413 | SH |  | SOLE |  | 0 | 0 | 34413 |
| ISHARES INC | JP MRGN EM HI BD | 464286285 |  | 273749 | 7827 | SH |  | SOLE |  | 0 | 0 | 7827 |
| ISHARES TR | CORE US AGGBD ET | 464287226 |  | 3593192 | 37047 | SH |  | SOLE |  | 0 | 0 | 37047 |
| ISHARES TR | MSCI EMG MKT ETF | 464287234 |  | 3808040 | 100476 | SH |  | SOLE |  | 0 | 0 | 100476 |
| ISHARES TR | IBOXX INV CP ETF | 464287242 |  | 583795 | 5537 | SH |  | SOLE |  | 0 | 0 | 5537 |
| ISHARES TR | 20 YR TR BD ETF | 464287432 |  | 353139 | 3547 | SH |  | SOLE |  | 0 | 0 | 3547 |
| ISHARES TR | MSCI EAFE ETF | 464287465 |  | 6738220 | 102654 | SH |  | SOLE |  | 0 | 0 | 102654 |
| ISHARES TR | CORE S MCP ETF | 464287507 |  | 255194 | 1055 | SH |  | SOLE |  | 0 | 0 | 1055 |
| ISHARES TR | RUS 1000 VAL ETF | 464287598 |  | 8277907 | 54586 | SH |  | SOLE |  | 0 | 0 | 54586 |
| ISHARES TR | RUS 1000 GRW ETF | 464287614 |  | 2509504 | 11714 | SH |  | SOLE |  | 0 | 0 | 11714 |
| ISHARES TR | RUSSELL 2000 ETF | 464287655 |  | 4579638 | 26265 | SH |  | SOLE |  | 0 | 0 | 26265 |
| ISHARES TR | JPMORGAN USD EMG | 464288281 |  | 410600 | 4854 | SH |  | SOLE |  | 0 | 0 | 4854 |
| ISHARES TR | CALIF MUN BD ETF | 464288356 |  | 744243 | 13264 | SH |  | SOLE |  | 0 | 0 | 13264 |
| ISHARES TR | NATIONAL MUN ETF | 464288414 |  | 4978771 | 47183 | SH |  | SOLE |  | 0 | 0 | 47183 |
| ISHARES TR | CORE HIGH DV ETF | 46429B663 |  | 475647 | 4563 | SH |  | SOLE |  | 0 | 0 | 4563 |
| ISHARES TR | 0-5YR HI YL CP | 46434V407 |  | 473138 | 11571 | SH |  | SOLE |  | 0 | 0 | 11571 |
| ISHARES TR | FALN ANGLS USD | 46435G474 |  | 1178598 | 47891 | SH |  | SOLE |  | 0 | 0 | 47891 |
| ISHARES TR | US INFRASTRUC | 46435U713 |  | 687888 | 18971 | SH |  | SOLE |  | 0 | 0 | 18971 |
| JPMORGAN CHASE  CO | COM | 46625H100 |  | 1898856 | 14160 | SH |  | SOLE |  | 0 | 0 | 14160 |
| JOHNSON  JOHNSON | COM | 478160104 |  | 242011 | 1370 | SH |  | SOLE |  | 0 | 0 | 1370 |
| KINDER MORGAN INC DEL | COM | 49456B101 |  | 414592 | 22931 | SH |  | SOLE |  | 0 | 0 | 22931 |
| LAUDER ESTEE COS INC | CL A | 518439104 |  | 422531 | 1703 | SH |  | SOLE |  | 0 | 0 | 1703 |
| LEGEND BIOTECH CORP | SPONSORED ADS | 52490G102 |  | 355580 | 7123 | SH |  | SOLE |  | 0 | 0 | 7123 |
| LEIDOS HOLDINGS INC | COM | 525327102 |  | 239623 | 2278 | SH |  | SOLE |  | 0 | 0 | 2278 |
| LIQUIDITY SVCS INC | COM | 53635B107 |  | 698065 | 49649 | SH |  | SOLE |  | 0 | 0 | 49649 |
| LITMAN GREGORY FDS TR | IMGP DBI MANAGED | 53700T827 |  | 11786697 | 404902 | SH |  | SOLE |  | 0 | 0 | 404902 |
| MAMAMANCINI S HLDGS INC | COM | 56146T103 |  | 71107 | 39614 | SH |  | SOLE |  | 0 | 0 | 39614 |
| MASTERCARD INCORPORATED | CL A | 57636Q104 |  | 543850 | 1564 | SH |  | SOLE |  | 0 | 0 | 1564 |
| MICROSOFT CORP | COM | 594918104 |  | 1969402 | 8212 | SH |  | SOLE |  | 0 | 0 | 8212 |
| MODERNA INC | COM | 60770K107 |  | 639806 | 3562 | SH |  | SOLE |  | 0 | 0 | 3562 |
| NVIDIA CORPORATION | COM | 67066G104 |  | 592890 | 4057 | SH |  | SOLE |  | 0 | 0 | 4057 |
| PALANTIR TECHNOLOGIES INC | CL A | 69608A108 |  | 64200 | 10000 | SH |  | SOLE |  | 0 | 0 | 10000 |
| PALO ALTO NETWORKS INC | COM | 697435105 |  | 735934 | 5274 | SH |  | SOLE |  | 0 | 0 | 5274 |
| PENNYMAC FINL SVCS INC NEW | COM | 70932M107 |  | 752388 | 13279 | SH |  | SOLE |  | 0 | 0 | 13279 |
| PFIZER INC | COM | 717081103 |  | 545186 | 10640 | SH |  | SOLE |  | 0 | 0 | 10640 |
| PIMCO ETF TR | INTER MUN BD ACT | 72201R866 |  | 1155125 | 22482 | SH |  | SOLE |  | 0 | 0 | 22482 |
| PROCTER AND GAMBLE CO | COM | 742718109 |  | 424813 | 2803 | SH |  | SOLE |  | 0 | 0 | 2803 |
| PROLOGIS INC. | COM | 74340W103 |  | 399402 | 3543 | SH |  | SOLE |  | 0 | 0 | 3543 |
| PROSHARES TR | INVT INT RT HG | 74347B607 |  | 652363 | 9174 | SH |  | SOLE |  | 0 | 0 | 9174 |
| PRUDENTIAL FINL INC | COM | 744320102 |  | 533503 | 5364 | SH |  | SOLE |  | 0 | 0 | 5364 |
| SPDR S 500 ETF TR | TR UNIT | 78462F103 |  | 5277916 | 13801 | SH |  | SOLE |  | 0 | 0 | 13801 |
| SSGA ACTIVE ETF TR | BLACKSTONE SENR | 78467V608 |  | 260533 | 6370 | SH |  | SOLE |  | 0 | 0 | 6370 |
| SPDR SER TR | BLOOMBERG SHT TE | 78468R408 |  | 1288017 | 53136 | SH |  | SOLE |  | 0 | 0 | 53136 |
| SALESFORCE INC | COM | 79466L302 |  | 398831 | 3008 | SH |  | SOLE |  | 0 | 0 | 3008 |
| SAREPTA THERAPEUTICS INC | COM | 803607100 |  | 757136 | 5843 | SH |  | SOLE |  | 0 | 0 | 5843 |
| SCHWAB STRATEGIC TR | US BRD MKT ETF | 808524102 |  | 3489417 | 77871 | SH |  | SOLE |  | 0 | 0 | 77871 |
| SCHWAB STRATEGIC TR | US LCAP GR ETF | 808524300 |  | 19933206 | 358769 | SH |  | SOLE |  | 0 | 0 | 358769 |
| SCHWAB STRATEGIC TR | US LCAP VA ETF | 808524409 |  | 26636565 | 403462 | SH |  | SOLE |  | 0 | 0 | 403462 |
| SCHWAB STRATEGIC TR | US SML CAP ETF | 808524607 |  | 8044366 | 198577 | SH |  | SOLE |  | 0 | 0 | 198577 |
| SCHWAB STRATEGIC TR | EMRG MKTEQ ETF | 808524706 |  | 8223107 | 347406 | SH |  | SOLE |  | 0 | 0 | 347406 |
| SCHWAB STRATEGIC TR | US DIVIDEND EQ | 808524797 |  | 721517 | 9551 | SH |  | SOLE |  | 0 | 0 | 9551 |
| SCHWAB STRATEGIC TR | INTL EQTY ETF | 808524805 |  | 12761510 | 396197 | SH |  | SOLE |  | 0 | 0 | 396197 |
| STARBUCKS CORP | COM | 855244109 |  | 569408 | 5740 | SH |  | SOLE |  | 0 | 0 | 5740 |
| T-MOBILE US INC | COM | 872590104 |  | 568820 | 4063 | SH |  | SOLE |  | 0 | 0 | 4063 |
| TESLA INC | COM | 88160R101 |  | 201030 | 1632 | SH |  | SOLE |  | 0 | 0 | 1632 |
| VANECK ETF TRUST | EMERGING MRKT HI | 92189F353 |  | 1901015 | 104394 | SH |  | SOLE |  | 0 | 0 | 104394 |
| VANECK ETF TRUST | FALLEN ANGEL HG | 92189F437 |  | 220780 | 8171 | SH |  | SOLE |  | 0 | 0 | 8171 |
| VANECK ETF TRUST | LONG MUNI ETF | 92189F536 |  | 1364412 | 78145 | SH |  | SOLE |  | 0 | 0 | 78145 |
| VANECK ETF TRUST | JP MRGAN EM LOC | 92189H300 |  | 297472 | 12277 | SH |  | SOLE |  | 0 | 0 | 12277 |
| VANECK ETF TRUST | HIGH YLD MUNIETF | 92189H409 |  | 451563 | 8933 | SH |  | SOLE |  | 0 | 0 | 8933 |
| VANGUARD STAR FDS | VG TL INTL STK F | 921909768 |  | 223948 | 4330 | SH |  | SOLE |  | 0 | 0 | 4330 |
| VANGUARD WORLD FD | MEGA CAP INDEX | 921910873 |  | 23927725 | 180723 | SH |  | SOLE |  | 0 | 0 | 180723 |
| VANGUARD BD INDEX FDS | INTERMED TERM | 921937819 |  | 20463715 | 275346 | SH |  | SOLE |  | 0 | 0 | 275346 |
| VANGUARD BD INDEX FDS | SHORT TRM BOND | 921937827 |  | 964337 | 12810 | SH |  | SOLE |  | 0 | 0 | 12810 |
| VANGUARD TAX-MANAGED FDS | VAN FTSE DEV MKT | 921943858 |  | 465783 | 11098 | SH |  | SOLE |  | 0 | 0 | 11098 |
| VANGUARD WHITEHALL FDS | HIGH DIV YLD | 921946406 |  | 442146 | 4086 | SH |  | SOLE |  | 0 | 0 | 4086 |
| VANGUARD SCOTTSDALE FDS | INTER TERM TREAS | 92206C706 |  | 3619854 | 61899 | SH |  | SOLE |  | 0 | 0 | 61899 |
| VANGUARD MUN BD FDS | TAX EXEMPT BD | 922907746 |  | 7005408 | 141552 | SH |  | SOLE |  | 0 | 0 | 141552 |
| VANGUARD INDEX FDS | SM CP VAL ETF | 922908611 |  | 448731 | 2826 | SH |  | SOLE |  | 0 | 0 | 2826 |
| VANGUARD INDEX FDS | TOTAL STK MKT | 922908769 |  | 325023 | 1700 | SH |  | SOLE |  | 0 | 0 | 1700 |
| VICTORY CAP HLDGS INC | COM CL A | 92645B103 |  | 394777 | 14714 | SH |  | SOLE |  | 0 | 0 | 14714 |
| VISA INC | COM CL A | 92826C839 |  | 813380 | 3915 | SH |  | SOLE |  | 0 | 0 | 3915 |
| VISTRA CORP | COM | 92840M102 |  | 271092 | 11685 | SH |  | SOLE |  | 0 | 0 | 11685 |

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