# EDGAR Filing Document

**Accession Number:** 0001734398
**File Stem:** 0001734398-25-000004
**Filing Date:** 2025-8
**Character Count:** 11889
**Document Hash:** 64354a36dfa2f39078b16c7b795bd919
**Contains OCR:** False
**Source Format:** 

## Filing Content

## Filing Summary
**0001734398-25-000004.hdr.sgml**: 20250808

**ACCESSION NUMBER**: 0001734398-25-000004

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

**PUBLIC DOCUMENT COUNT**: 2

**CONFORMED PERIOD OF REPORT**: 20250630

**FILED AS OF DATE**: 20250808

**DATE AS OF CHANGE**: 20250808

**EFFECTIVENESS DATE**: 20250808

**FILER**: 

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** RED CEDAR INVESTMENT MANAGEMENT, LLC
- **CENTRAL INDEX KEY:** 0001734398

**ORGANIZATION NAME:**
- **EIN:** 000000000
- **STATE OF INCORPORATION:** MI
- **FISCAL YEAR END:** 1231

**FILING VALUES:**
- **FORM TYPE:** 13F-HR
- **SEC ACT:** 1934 Act
- **SEC FILE NUMBER:** 028-18686
- **FILM NUMBER:** 251197048

**BUSINESS ADDRESS:**
- **STREET 1:** 333 BRIDGE ST. NW
- **STREET 2:** SUITE 601
- **CITY:** GRAND RAPIDS
- **STATE:** MI
- **ZIP:** 49504
- **BUSINESS PHONE:** 616-378-6894

**MAIL ADDRESS:**
- **STREET 1:** 333 BRIDGE ST. NW
- **STREET 2:** SUITE 601
- **CITY:** GRAND RAPIDS
- **STATE:** MI
- **ZIP:** 49504

### 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:** RED CEDAR INVESTMENT MANAGEMENT LLC<br>**Address:** 333 BRIDGE ST. NW<br>SUITE 601<br>GRAND RAPIDS, MI 49504

**Form 13F File Number:** 028-18686

**CRD Number (if applicable):** 000170939

**SEC File Number (if applicable):** 801-79728

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:** DENNIS R. MASON<br>**Title:** DIRECTOR COMPLIANCE SERVICES<br>**Phone:** 2027537141

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

DENNIS R. MASON  COVINGTON, KY  08-08-2025<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:** 81

**Form 13F Information Table Value Total:** $792099304

      (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 |
| VANGUARD RUS 3000 ID ETF | VNG RUS3000IDX | 92206C599 |  | 3961148 | 14523 | SH |  | SOLE |  | 14523 | 0 | 0 |
| ISHARES:CORE US AGG BD | CORE US AGGBD ET | 464287226 |  | 20384864 | 205493 | SH |  | SOLE |  | 205493 | 0 | 0 |
| SPDR GOLD | GOLD SHS | 78463V107 |  | 14039250 | 46056 | SH |  | SOLE |  | 46056 | 0 | 0 |
| ISHARES:RUSS 1000 ETF | RUS 1000 ETF | 464287622 |  | 147424016 | 434149 | SH |  | SOLE |  | 434149 | 0 | 0 |
| VANGUARD RUS 1000 ID ETF | VNG RUS1000IDX | 92206C730 |  | 157563123 | 561002 | SH |  | SOLE |  | 561002 | 0 | 0 |
| ISHARES:CORE MSCI EMMKTS | CORE MSCI EMKT | 46434G103 |  | 34319115 | 571699 | SH |  | SOLE |  | 571699 | 0 | 0 |
| ISHARES:MSCI JAPAN | MSCI JPN ETF NEW | 46434G822 |  | 30205008 | 402895 | SH |  | SOLE |  | 402895 | 0 | 0 |
| ISHARES:S GSCI CMDTY | UNIT BEN INT | 46428R107 |  | 4063713 | 184379 | SH |  | SOLE |  | 184379 | 0 | 0 |
| ISHARES:MSCI EAFE | MSCI EAFE ETF | 464287465 |  | 22856140 | 255690 | SH |  | SOLE |  | 255690 | 0 | 0 |
| VANECK:GOLD MINERS | GOLD MINERS ETF | 92189F106 |  | 16519575 | 317318 | SH |  | SOLE |  | 317318 | 0 | 0 |
| ISHARES:CORE S MD-CP | CORE S MCP ETF | 464287507 |  | 51033931 | 822862 | SH |  | SOLE |  | 822862 | 0 | 0 |
| SCHWAB STR:US LG CAP ETF | US LRG CAP ETF | 808524201 |  | 16043931 | 656462 | SH |  | SOLE |  | 656462 | 0 | 0 |
| SPDR PTF ST CORP BOND | PORTFOLIO SHORT | 78464A474 |  | 13602648 | 450568 | SH |  | SOLE |  | 450568 | 0 | 0 |
| VANGUARD 500 IDX ETF | S 500 ETF SHS | 922908363 |  | 8210306 | 14454 | SH |  | SOLE |  | 14454 | 0 | 0 |
| VANGUARD MD-CP I ETF | MID CAP ETF | 922908629 |  | 3064139 | 10950 | SH |  | SOLE |  | 10950 | 0 | 0 |
| SPDR S 500 | TR UNIT | 78462F103 |  | 5389506 | 8723 | SH |  | SOLE |  | 8723 | 0 | 0 |
| SCHWAB STR:INTL EQTY ETF | INTL EQTY ETF | 808524805 |  | 24105056 | 1090727 | SH |  | SOLE |  | 1090727 | 0 | 0 |
| ISHARES:RUSS 2000 ETF | RUSSELL 2000 ETF | 464287655 |  | 10653231 | 49369 | SH |  | SOLE |  | 49369 | 0 | 0 |
| VANGUARD RUS 2000 ID ETF | VNG RUS2000IDX | 92206C664 |  | 10754117 | 123299 | SH |  | SOLE |  | 123299 | 0 | 0 |
| FT III:PFD SEC  INC | PFD SECS INC ETF | 33739E108 |  | 866095 | 48657 | SH |  | SOLE |  | 48657 | 0 | 0 |
| PIMCO ETF:ENH SM ACT ETF | ENHAN SHRT MA AC | 72201R833 |  | 1090101 | 10843 | SH |  | SOLE |  | 10843 | 0 | 0 |
| VANGUARD ST CORP BD ETF | SHRT TRM CORP BD | 92206C409 |  | 1065221 | 13399 | SH |  | SOLE |  | 13399 | 0 | 0 |
| ISHARES:1-5 IG CORP BD | ISHS 1-5YR INVS | 464288646 |  | 1050293 | 19907 | SH |  | SOLE |  | 19907 | 0 | 0 |
| VANGUARD SH-TM B ETF | SHORT TRM BOND | 921937827 |  | 831072 | 10560 | SH |  | SOLE |  | 10560 | 0 | 0 |
| NS RCIM TA PR  INC SEC | NORTH SQUARE RCI | 301471108 |  | 5061860 | 200000 | SH |  | SOLE |  | 200000 | 0 | 0 |
| APPLE ORD | COM | 037833100 |  | 2445832 | 11921 | SH |  | SOLE |  | 11921 | 0 | 0 |
| ABBVIE ORD | COM | 00287Y109 |  | 5050720 | 27210 | SH |  | SOLE |  | 27210 | 0 | 0 |
| ACCENTURE CL A ORD | SHS CLASS A | G1151C101 |  | 2348678 | 7858 | SH |  | SOLE |  | 7858 | 0 | 0 |
| ANALOG DEVICES ORD | COM | 032654105 |  | 2985723 | 12544 | SH |  | SOLE |  | 12544 | 0 | 0 |
| AGNICO EAGLE ORD | COM | 008474108 |  | 3745819 | 31496 | SH |  | SOLE |  | 31496 | 0 | 0 |
| ALAMOS GOLD CL A ORD | COM CL A | 011532108 |  | 4048116 | 152414 | SH |  | SOLE |  | 152414 | 0 | 0 |
| AMERIPRISE FINANCE ORD | COM | 03076C106 |  | 5615907 | 10522 | SH |  | SOLE |  | 10522 | 0 | 0 |
| AIR PRODUCTS AND CHEMICALS ORD | COM | 009158106 |  | 1248398 | 4426 | SH |  | SOLE |  | 4426 | 0 | 0 |
| BROADCOM ORD | COM | 11135F101 |  | 14677260 | 53246 | SH |  | SOLE |  | 53246 | 0 | 0 |
| AMERICAN EXPRESS ORD | COM | 025816109 |  | 2433179 | 7628 | SH |  | SOLE |  | 7628 | 0 | 0 |
| BLACKROCK ORD | COM | 09290D101 |  | 3699656 | 3526 | SH |  | SOLE |  | 3526 | 0 | 0 |
| CITIZENS FINANCIAL GROUP ORD | COM | 174610105 |  | 1369887 | 30612 | SH |  | SOLE |  | 30612 | 0 | 0 |
| COSTCO WHOLESALE ORD | COM | 22160K105 |  | 4386424 | 4431 | SH |  | SOLE |  | 4431 | 0 | 0 |
| CINTAS ORD | COM | 172908105 |  | 2033466 | 9124 | SH |  | SOLE |  | 9124 | 0 | 0 |
| CHEVRON ORD | COM | 166764100 |  | 1624061 | 11342 | SH |  | SOLE |  | 11342 | 0 | 0 |
| DIGITAL REALTY REIT ORD | COM | 253868103 |  | 950273 | 5451 | SH |  | SOLE |  | 5451 | 0 | 0 |
| EQUINIX REIT ORD | COM | 29444U700 |  | 1549576 | 1948 | SH |  | SOLE |  | 1948 | 0 | 0 |
| EATON ORD | SHS | G29183103 |  | 7164075 | 20068 | SH |  | SOLE |  | 20068 | 0 | 0 |
| FIDELITY NATIONAL INFORMATN SVCS ORD | COM | 31620M106 |  | 305288 | 3750 | SH |  | SOLE |  | 3750 | 0 | 0 |
| GENERAL DYNAMICS ORD | COM | 369550108 |  | 1452467 | 4980 | SH |  | SOLE |  | 4980 | 0 | 0 |
| CORNING ORD | COM | 219350105 |  | 5503544 | 104650 | SH |  | SOLE |  | 104650 | 0 | 0 |
| HOME DEPOT ORD | COM | 437076102 |  | 4256690 | 11610 | SH |  | SOLE |  | 11610 | 0 | 0 |
| JPMORGAN CHASE ORD | COM | 46625H100 |  | 8201264 | 28289 | SH |  | SOLE |  | 28289 | 0 | 0 |
| KINROSS GOLD ORD | COM | 496902404 |  | 4218928 | 269925 | SH |  | SOLE |  | 269925 | 0 | 0 |
| COCA-COLA ORD | COM | 191216100 |  | 337761 | 4774 | SH |  | SOLE |  | 4774 | 0 | 0 |
| ELI LILLY ORD | COM | 532457108 |  | 8055663 | 10334 | SH |  | SOLE |  | 10334 | 0 | 0 |
| LOCKHEED MARTIN ORD | COM | 539830109 |  | 1516320 | 3274 | SH |  | SOLE |  | 3274 | 0 | 0 |
| MARRIOTT INTERNATIONAL CL A ORD | CL A | 571903202 |  | 1466864 | 5369 | SH |  | SOLE |  | 5369 | 0 | 0 |
| MCDONALD'S ORD | COM | 580135101 |  | 4150567 | 14206 | SH |  | SOLE |  | 14206 | 0 | 0 |
| MCKESSON ORD | COM | 58155Q103 |  | 1741085 | 2376 | SH |  | SOLE |  | 2376 | 0 | 0 |
| MONDELEZ INTERNATIONAL CL A ORD | CL A | 609207105 |  | 1910980 | 28336 | SH |  | SOLE |  | 28336 | 0 | 0 |
| META PLATFORMS CL A ORD | CL A | 30303M102 |  | 6126885 | 8301 | SH |  | SOLE |  | 8301 | 0 | 0 |
| MARSH  MCLENNAN ORD | COM | 571748102 |  | 2968694 | 13578 | SH |  | SOLE |  | 13578 | 0 | 0 |
| MARATHON PETROLEUM ORD | COM | 56585A102 |  | 239198 | 1440 | SH |  | SOLE |  | 1440 | 0 | 0 |
| MERCK  CO ORD | COM | 58933Y105 |  | 1669643 | 21092 | SH |  | SOLE |  | 21092 | 0 | 0 |
| MICROSOFT ORD | COM | 594918104 |  | 11751311 | 23625 | SH |  | SOLE |  | 23625 | 0 | 0 |
| MOTOROLA SOLUTIONS ORD | COM NEW | 620076307 |  | 6632757 | 15775 | SH |  | SOLE |  | 15775 | 0 | 0 |
| NEXTERA ENERGY ORD | COM | 65339F101 |  | 2175762 | 31342 | SH |  | SOLE |  | 31342 | 0 | 0 |
| PAYCHEX ORD | COM | 704326107 |  | 3242303 | 22290 | SH |  | SOLE |  | 22290 | 0 | 0 |
| PEPSICO ORD | COM | 713448108 |  | 371429 | 2813 | SH |  | SOLE |  | 2813 | 0 | 0 |
| PROCTER  GAMBLE ORD | COM | 742718109 |  | 3130638 | 19650 | SH |  | SOLE |  | 19650 | 0 | 0 |
| PARKER HANNIFIN ORD | COM | 701094104 |  | 6458752 | 9247 | SH |  | SOLE |  | 9247 | 0 | 0 |
| PNC FINANCIAL SERVICES GROUP ORD | COM | 693475105 |  | 2258105 | 12113 | SH |  | SOLE |  | 12113 | 0 | 0 |
| PHILLIPS 66 ORD | COM | 718546104 |  | 1383403 | 11596 | SH |  | SOLE |  | 11596 | 0 | 0 |
| QUALCOMM ORD | COM | 747525103 |  | 3679702 | 23105 | SH |  | SOLE |  | 23105 | 0 | 0 |
| RTX ORD | COM | 75513E101 |  | 3469581 | 23761 | SH |  | SOLE |  | 23761 | 0 | 0 |
| SOUTHERN ORD | COM | 842587107 |  | 4122892 | 44897 | SH |  | SOLE |  | 44897 | 0 | 0 |
| SIMON PROP GRP REIT ORD | COM | 828806109 |  | 2049368 | 12748 | SH |  | SOLE |  | 12748 | 0 | 0 |
| STRYKER ORD | COM | 863667101 |  | 2746463 | 6942 | SH |  | SOLE |  | 6942 | 0 | 0 |
| TJX ORD | COM | 872540109 |  | 2067346 | 16741 | SH |  | SOLE |  | 16741 | 0 | 0 |
| VISA CL A ORD | COM CL A | 92826C839 |  | 3359128 | 9461 | SH |  | SOLE |  | 9461 | 0 | 0 |
| VICI PPTYS ORD | COM | 925652109 |  | 1028041 | 31535 | SH |  | SOLE |  | 31535 | 0 | 0 |
| VALERO ENERGY ORD | COM | 91913Y100 |  | 765791 | 5697 | SH |  | SOLE |  | 5697 | 0 | 0 |
| WEC ENERGY GROUP ORD | COM | 92939U106 |  | 2088689 | 20045 | SH |  | SOLE |  | 20045 | 0 | 0 |
| WELLTOWER ORD | COM | 95040Q104 |  | 2303644 | 14985 | SH |  | SOLE |  | 14985 | 0 | 0 |
| EXXON MOBIL ORD | COM | 30231G102 |  | 1357849 | 12596 | SH |  | SOLE |  | 12596 | 0 | 0 |

---