# EDGAR Filing Document

**Accession Number:** 0001766995
**File Stem:** 0001766995-26-000003
**Filing Date:** 2026-5
**Character Count:** 14505
**Document Hash:** 4867070661be02d3a8c276d989e4826f
**Contains OCR:** False
**Source Format:** 

## Filing Content

## Filing Summary
**0001766995-26-000003.hdr.sgml**: 20260511

**ACCESSION NUMBER**: 0001766995-26-000003

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

**PUBLIC DOCUMENT COUNT**: 2

**CONFORMED PERIOD OF REPORT**: 20260331

**FILED AS OF DATE**: 20260511

**DATE AS OF CHANGE**: 20260508

**EFFECTIVENESS DATE**: 20260511

**FILER**: 

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

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

**FILING VALUES:**
- **FORM TYPE:** 13F-HR
- **SEC ACT:** 1934 Act
- **SEC FILE NUMBER:** 028-19057
- **FILM NUMBER:** 26960204

**BUSINESS ADDRESS:**
- **STREET 1:** 435 E SHORE DR
- **STREET 2:** SUITE 220
- **CITY:** EAGLE
- **STATE:** ID
- **ZIP:** 83616
- **BUSINESS PHONE:** (208) 514-0880

**MAIL ADDRESS:**
- **STREET 1:** 435 E SHORE DR
- **STREET 2:** SUITE 220
- **CITY:** EAGLE
- **STATE:** ID
- **ZIP:** 83616

### FORM 13F COVER PAGE

**Report for the Calendar Year or Quarter Ended:** 03-31-2026

**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:** 435 E SHORE DR<br>SUITE 220<br>EAGLE, ID 83616

**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  05-08-2026<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:** 108

**Form 13F Information Table Value Total:** $419085912

      (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 |  | 44202984 | 1517439 | SH |  | SOLE |  | 649 | 0 | 1516790 |
| VANGUARD SCOTTSDALE FDS | INTER TERM TREAS | 92206C706 |  | 1971165 | 33101 | SH |  | SOLE |  | 0 | 0 | 33101 |
| ABRDN PRECIOUS METALS BASKET | PHYSCL PRECS MET | 003263100 |  | 28081242 | 128389 | SH |  | SOLE |  | 0 | 0 | 128389 |
| EA SERIES TRUST | ALPHA ARCH 1-3 | 02072L565 |  | 17035177 | 146489 | SH |  | SOLE |  | 0 | 0 | 146489 |
| DIMENSIONAL ETF TRUST | INTL SMALL CAP V | 25434V781 |  | 9331389 | 236597 | SH |  | SOLE |  | 0 | 0 | 236597 |
| LITMAN GREGORY FDS TR | IMGP DBI MANAGED | 53700T827 |  | 18470008 | 612604 | SH |  | SOLE |  | 0 | 0 | 612604 |
| SCHWAB STRATEGIC TR | EMRG MKTEQ ETF | 808524706 |  | 16494211 | 500583 | SH |  | SOLE |  | 85 | 0 | 500498 |
| SCHWAB STRATEGIC TR | INTL EQTY ETF | 808524805 |  | 28581617 | 1154813 | SH |  | SOLE |  | 510 | 0 | 1154303 |
| SCHWAB STRATEGIC TR | US LCAP VA ETF | 808524409 |  | 52587619 | 1724184 | SH |  | SOLE |  | 311 | 0 | 1723873 |
| SCHWAB STRATEGIC TR | US SML CAP ETF | 808524607 |  | 17271765 | 593940 | SH |  | SOLE |  | 0 | 0 | 593940 |
| VANGUARD WORLD FD | MEGA CAP INDEX | 921910873 |  | 50937733 | 215518 | SH |  | SOLE |  | 0 | 0 | 215518 |
| ISHARES TR | MSCI EAFE ETF | 464287465 |  | 8734732 | 89928 | SH |  | SOLE |  | 0 | 0 | 89928 |
| ISHARES TR | MSCI EMG MKT ETF | 464287234 |  | 4778538 | 84144 | SH |  | SOLE |  | 0 | 0 | 84144 |
| ISHARES TR | RUS 1000 GRW ETF | 464287614 |  | 4463885 | 10469 | SH |  | SOLE |  | 0 | 0 | 10469 |
| ISHARES TR | RUS 1000 VAL ETF | 464287598 |  | 12632281 | 59121 | SH |  | SOLE |  | 0 | 0 | 59121 |
| ISHARES TR | RUSSELL 2000 ETF | 464287655 |  | 5688330 | 22937 | SH |  | SOLE |  | 0 | 0 | 22937 |
| STATE STR SPDR S 500 ETF T | TR UNIT | 78462F103 |  | 8049909 | 12378 | SH |  | SOLE |  | 0 | 0 | 12378 |
| VANGUARD INTL EQUITY INDEX F | FTSE EMR MKT ETF | 922042858 |  | 721928 | 13357 | SH |  | SOLE |  | 0 | 0 | 13357 |
| VANGUARD INDEX FDS | GROWTH ETF | 922908736 |  | 1514248 | 3467 | SH |  | SOLE |  | 0 | 0 | 3467 |
| VANGUARD INDEX FDS | S 500 ETF SHS | 922908363 |  | 4367782 | 7309 | SH |  | SOLE |  | 0 | 0 | 7309 |
| VANGUARD INDEX FDS | SM CP VAL ETF | 922908611 |  | 4409523 | 20297 | SH |  | SOLE |  | 0 | 0 | 20297 |
| CAMBRIA ETF TR | SHSHLD YIELD ETF | 132061201 |  | 1643225 | 21791 | SH |  | SOLE |  | 0 | 0 | 21791 |
| SCHWAB STRATEGIC TR | US BRD MKT ETF | 808524102 |  | 6029500 | 240219 | SH |  | SOLE |  | 0 | 0 | 240219 |
| ISHARES TR | CORE S MCP ETF | 464287507 |  | 268162 | 3971 | SH |  | SOLE |  | 0 | 0 | 3971 |
| APPLE INC | COM | 037833100 |  | 6231099 | 24552 | SH |  | SOLE |  | 0 | 0 | 24552 |
| ABBOTT LABORATORIES | COM | 002824100 |  | 409345 | 3987 | SH |  | SOLE |  | 0 | 0 | 3987 |
| EXXON MOBIL CORP | COM | 30231G102 |  | 989354 | 5831 | SH |  | SOLE |  | 0 | 0 | 5831 |
| ISHARES TR | CORE HIGH DV ETF | 46429B663 |  | 572738 | 4220 | SH |  | SOLE |  | 0 | 0 | 4220 |
| JOHNSON  JOHNSON | COM | 478160104 |  | 519435 | 2125 | SH |  | SOLE |  | 0 | 0 | 2125 |
| PALO ALTO NETWORKS INC | COM | 697435105 |  | 407694 | 2543 | SH |  | SOLE |  | 0 | 0 | 2543 |
| SCHWAB STRATEGIC TR | US DIVIDEND EQ | 808524797 |  | 678758 | 22124 | SH |  | SOLE |  | 0 | 0 | 22124 |
| STRYKER CORPORATION | COM | 863667101 |  | 390219 | 1188 | SH |  | SOLE |  | 0 | 0 | 1188 |
| ALPHABET INC | CAP STK CL A | 02079K305 |  | 3861931 | 13430 | SH |  | SOLE |  | 0 | 0 | 13430 |
| ALPHABET INC | CAP STK CL C | 02079K107 |  | 2089490 | 7284 | SH |  | SOLE |  | 0 | 0 | 7284 |
| BANK AMERICA CORP | COM | 060505104 |  | 752892 | 15444 | SH |  | SOLE |  | 0 | 0 | 15444 |
| BROADCOM INC | COM | 11135F101 |  | 1950842 | 6303 | SH |  | SOLE |  | 0 | 0 | 6303 |
| DEERE  CO | COM | 244199105 |  | 318265 | 565 | SH |  | SOLE |  | 0 | 0 | 565 |
| MICROSOFT CORP | COM | 594918104 |  | 4295083 | 11603 | SH |  | SOLE |  | 0 | 0 | 11603 |
| TORONTO DOMINION BK ONT | COM NEW | 891160509 |  | 230009 | 2465 | SH |  | SOLE |  | 0 | 0 | 2465 |
| VISA INC | COM CL A | 92826C839 |  | 327930 | 1085 | SH |  | SOLE |  | 0 | 0 | 1085 |
| EA SERIES TRUST | ALPHA ARCHITECT | 02072Q275 |  | 1980051 | 40458 | SH |  | SOLE |  | 0 | 0 | 40458 |
| AMERICAN CENTY ETF TR | INTL SMCP VLU | 025072802 |  | 1934289 | 19370 | SH |  | SOLE |  | 0 | 0 | 19370 |
| VANGUARD INDEX FDS | SMALL CP ETF | 922908751 |  | 2523352 | 9634 | SH |  | SOLE |  | 0 | 0 | 9634 |
| AMAZON COM INC | COM | 023135106 |  | 860988 | 4134 | SH |  | SOLE |  | 0 | 0 | 4134 |
| COSTCO WHOLESALE CORPORATION | COM | 22160K105 |  | 600854 | 603 | SH |  | SOLE |  | 0 | 0 | 603 |
| NVIDIA CORPORATION | COM | 67066G104 |  | 1871138 | 10729 | SH |  | SOLE |  | 0 | 0 | 10729 |
| DISNEY WALT CO | COM | 254687106 |  | 227382 | 2359 | SH |  | SOLE |  | 0 | 0 | 2359 |
| MORGAN STANLEY | COM NEW | 617446448 |  | 552132 | 3355 | SH |  | SOLE |  | 0 | 0 | 3355 |
| ADVANCED MICRO DEVICES INC | COM | 007903107 |  | 316334 | 1555 | SH |  | SOLE |  | 0 | 0 | 1555 |
| SCHWAB CHARLES CORP | COM | 808513105 |  | 443033 | 4714 | SH |  | SOLE |  | 0 | 0 | 4714 |
| MASTERCARD INCORPORATED | CL A | 57636Q104 |  | 550625 | 1102 | SH |  | SOLE |  | 0 | 0 | 1102 |
| TESLA INC | COM | 88160R101 |  | 2474740 | 6657 | SH |  | SOLE |  | 0 | 0 | 6657 |
| HOME DEPOT INC | COM | 437076102 |  | 844665 | 2568 | SH |  | SOLE |  | 0 | 0 | 2568 |
| INVESCO QQQ TR | UNIT SER 1 | 46090E103 |  | 557876 | 967 | SH |  | SOLE |  | 69 | 0 | 898 |
| ABBVIE INC | COM | 00287Y109 |  | 826897 | 3802 | SH |  | SOLE |  | 0 | 0 | 3802 |
| BERKSHIRE HATHAWAY INC DEL | CL B NEW | 084670702 |  | 1842524 | 3845 | SH |  | SOLE |  | 0 | 0 | 3845 |
| CATERPILLAR INC | COM | 149123101 |  | 328017 | 463 | SH |  | SOLE |  | 0 | 0 | 463 |
| CISCO SYS INC | COM | 17275R102 |  | 421200 | 5429 | SH |  | SOLE |  | 0 | 0 | 5429 |
| JPMORGAN CHASE  CO | COM | 46625H100 |  | 2383284 | 8102 | SH |  | SOLE |  | 0 | 0 | 8102 |
| MCDONALDS CORP | COM | 580135101 |  | 256102 | 824 | SH |  | SOLE |  | 0 | 0 | 824 |
| PROCTER  GAMBLE CO | COM | 742718109 |  | 318431 | 2205 | SH |  | SOLE |  | 0 | 0 | 2205 |
| VANGUARD WHITEHALL FDS | HIGH DIV YLD | 921946406 |  | 656675 | 4434 | SH |  | SOLE |  | 0 | 0 | 4434 |
| VANGUARD INDEX FDS | TOTAL STK MKT | 922908769 |  | 570721 | 1779 | SH |  | SOLE |  | 0 | 0 | 1779 |
| CHEVRON CORPORATION | COM | 166764100 |  | 290822 | 1406 | SH |  | SOLE |  | 0 | 0 | 1406 |
| MERCK  CO INC | COM | 58933Y105 |  | 568478 | 4726 | SH |  | SOLE |  | 0 | 0 | 4726 |
| EA SERIES TRUST | ALPHA ARCHITECT | 02072Q853 |  | 1272093 | 24284 | SH |  | SOLE |  | 0 | 0 | 24284 |
| J P MORGAN EXCHANGE TRADED F | EQUITY PREMIUM | 46641Q332 |  | 274955 | 4851 | SH |  | SOLE |  | 0 | 0 | 4851 |
| SEMPRA | COM | 816851109 |  | 387615 | 3989 | SH |  | SOLE |  | 0 | 0 | 3989 |
| VANGUARD INDEX FDS | VALUE ETF | 922908744 |  | 3171426 | 16164 | SH |  | SOLE |  | 0 | 0 | 16164 |
| EA SERIES TRUST | ALPHA ARCHITECT | 02072Q358 |  | 1833619 | 39418 | SH |  | SOLE |  | 0 | 0 | 39418 |
| SELECT SECTOR SPDR TR | STATE STREET TEC | 81369Y803 |  | 353514 | 2660 | SH |  | SOLE |  | 0 | 0 | 2660 |
| COPART INC | COM | 217204106 |  | 781528 | 23540 | SH |  | SOLE |  | 0 | 0 | 23540 |
| FIRST TR EXCHANGE-TRADED FD | CAP STRENGTH ETF | 33733E104 |  | 225685 | 2433 | SH |  | SOLE |  | 0 | 0 | 2433 |
| QUALCOMM INC | COM | 747525103 |  | 365950 | 2842 | SH |  | SOLE |  | 0 | 0 | 2842 |
| SIMPSON MFG INC | COM | 829073105 |  | 661938 | 3857 | SH |  | SOLE |  | 0 | 0 | 3857 |
| STATE STR CORP | COM | 857477103 |  | 526363 | 4159 | SH |  | SOLE |  | 0 | 0 | 4159 |
| ISHARES TR | CORE MSCI EAFE | 46432F842 |  | 1380854 | 15253 | SH |  | SOLE |  | 0 | 0 | 15253 |
| ISHARES TR | RUS MID CAP ETF | 464287499 |  | 264879 | 2724 | SH |  | SOLE |  | 0 | 0 | 2724 |
| VANGUARD TAX-MANAGED FDS | VAN FTSE DEV MKT | 921943858 |  | 713053 | 11128 | SH |  | SOLE |  | 0 | 0 | 11128 |
| AMGEN INC | COM | 031162100 |  | 230831 | 656 | SH |  | SOLE |  | 0 | 0 | 656 |
| CONOCOPHILLIPS | COM | 20825C104 |  | 274428 | 2079 | SH |  | SOLE |  | 0 | 0 | 2079 |
| ELI LILLY  CO | COM | 532457108 |  | 1158910 | 1260 | SH |  | SOLE |  | 0 | 0 | 1260 |
| BLACKROCK INC | COM | 09290D101 |  | 421229 | 438 | SH |  | SOLE |  | 0 | 0 | 438 |
| CME GROUP INC | COM | 12572Q105 |  | 483488 | 1637 | SH |  | SOLE |  | 0 | 0 | 1637 |
| HUNTINGTON INGALLS INDS INC | COM | 446413106 |  | 362045 | 953 | SH |  | SOLE |  | 0 | 0 | 953 |
| NORFOLK SOUTHN CORP | COM | 655844108 |  | 327754 | 1142 | SH |  | SOLE |  | 0 | 0 | 1142 |
| OREILLY AUTOMOTIVE INC | COM | 67103H107 |  | 667401 | 7230 | SH |  | SOLE |  | 0 | 0 | 7230 |
| RTX CORPORATION | COM | 75513E101 |  | 714116 | 3702 | SH |  | SOLE |  | 0 | 0 | 3702 |
| TRACTOR SUPPLY CO | COM | 892356106 |  | 285390 | 6300 | SH |  | SOLE |  | 0 | 0 | 6300 |
| UNITEDHEALTH GROUP INC | COM | 91324P102 |  | 273025 | 1009 | SH |  | SOLE |  | 0 | 0 | 1009 |
| META PLATFORMS INC | CL A | 30303M102 |  | 485167 | 848 | SH |  | SOLE |  | 0 | 0 | 848 |
| WELLS FARGO  CO | COM | 949746101 |  | 424833 | 5336 | SH |  | SOLE |  | 0 | 0 | 5336 |
| VANGUARD INDEX FDS | LARGE CAP ETF | 922908637 |  | 300643 | 1006 | SH |  | SOLE |  | 0 | 0 | 1006 |
| VANGUARD INDEX FDS | MID CAP ETF | 922908629 |  | 487919 | 1699 | SH |  | SOLE |  | 0 | 0 | 1699 |
| TRANE TECHNOLOGIES PLC | SHS | G8994E103 |  | 330475 | 793 | SH |  | SOLE |  | 0 | 0 | 793 |
| VANGUARD INDEX FDS | MCAP VL IDXVIP | 922908512 |  | 258913 | 1405 | SH |  | SOLE |  | 0 | 0 | 1405 |
| MARRIOTT INTL INC NEW | CL A | 571903202 |  | 506959 | 1550 | SH |  | SOLE |  | 0 | 0 | 1550 |
| ISHARES TR | CORE S US VLU | 464287663 |  | 239776 | 2345 | SH |  | SOLE |  | 0 | 0 | 2345 |
| ABACUS GLOBAL MGMT INC | CL A | 00258Y104 |  | 78800 | 10000 | SH |  | SOLE |  | 0 | 0 | 10000 |
| AQUESTIVE THERAPEUTICS INC | COM | 03843E104 |  | 145250 | 35000 | SH |  | SOLE |  | 0 | 0 | 35000 |
| ISHARES TR | RUS 1000 ETF | 464287622 |  | 356560 | 1000 | SH |  | SOLE |  | 0 | 0 | 1000 |
| ISHARES TR | SELECT DIVID ETF | 464287168 |  | 220907 | 1459 | SH |  | SOLE |  | 0 | 0 | 1459 |
| BROWN FORMAN CORP | CL B | 115637209 |  | 229420 | 8677 | SH |  | SOLE |  | 0 | 0 | 8677 |
| J P MORGAN EXCHANGE TRADED F | ACTIVE GROWTH | 46654Q609 |  | 220766 | 2612 | SH |  | SOLE |  | 0 | 0 | 2612 |
| J P MORGAN EXCHANGE TRADED F | ACTIVE VALUE ETF | 46641Q167 |  | 208577 | 2907 | SH |  | SOLE |  | 0 | 0 | 2907 |
| J P MORGAN EXCHANGE TRADED F | US QUALTY FCTR | 46641Q761 |  | 204564 | 3336 | SH |  | SOLE |  | 0 | 0 | 3336 |
| J P MORGAN EXCHANGE TRADED F | US VALUE FACTR | 46641Q753 |  | 204381 | 4183 | SH |  | SOLE |  | 0 | 0 | 4183 |
| DIMENSIONAL ETF TRUST | US CORE EQUITY 2 | 25434V708 |  | 277266 | 7135 | SH |  | SOLE |  | 0 | 0 | 7135 |

---