# EDGAR Filing Document

**Accession Number:** 0001963787
**File Stem:** 0001963787-23-000002
**Filing Date:** 2023-2
**Character Count:** 10685
**Document Hash:** f8f51268200b4b8a1ce66ae4e696a26e
**Contains OCR:** False
**Source Format:** 

## Filing Content

## Filing Summary
**0001963787-23-000002.hdr.sgml**: 20230208

**ACCESSION NUMBER**: 0001963787-23-000002

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

**PUBLIC DOCUMENT COUNT**: 2

**CONFORMED PERIOD OF REPORT**: 20221231

**FILED AS OF DATE**: 20230208

**DATE AS OF CHANGE**: 20230207

**EFFECTIVENESS DATE**: 20230208

**FILER**: 

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** Commonwealth Retirement Investments LLC
- **CENTRAL INDEX KEY:** 0001963787
- **IRS NUMBER:** 814922135
- **STATE OF INCORPORATION:** VA
- **FISCAL YEAR END:** 1231

**FILING VALUES:**
- **FORM TYPE:** 13F-HR
- **SEC ACT:** 1934 Act
- **SEC FILE NUMBER:** 028-22842
- **FILM NUMBER:** 23596704

**BUSINESS ADDRESS:**
- **STREET 1:** 9030 STONY POINT PARKWAY
- **STREET 2:** SUITE 580
- **CITY:** RICHMOND
- **STATE:** VA
- **ZIP:** 23235
- **BUSINESS PHONE:** 8042821238

**MAIL ADDRESS:**
- **STREET 1:** 9030 STONY POINT PARKWAY
- **STREET 2:** SUITE 580
- **CITY:** RICHMOND
- **STATE:** VA
- **ZIP:** 23235

### FORM 13F COVER PAGE

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

**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:** Commonwealth Retirement Investments LLC<br>**Address:** 9030 STONY POINT PARKWAY<br>SUITE 580<br>RICHMOND, VA 23235

**Form 13F File Number:** 028-22842

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:** Dean Pelos<br>**Title:** Chief Compliance Officer<br>**Phone:** 2245489262

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

Dean Pelos  Richmond, VA  02-07-2023<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:** 67

**Form 13F Information Table Value Total:** $164969249

      (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 |
| AMAZON COM INC COM | Stock | 023135106 |  | 304332 | 3623 | SH |  | SOLE | 0 | 3623 | 0 | 0 |
| ELEVANCE HEALTH INC COM | Stock | 036752103 |  | 216473 | 422 | SH |  | SOLE | 0 | 422 | 0 | 0 |
| JOHNSON  JOHNSON COM | Stock | 478160104 |  | 5231455 | 29615 | SH |  | SOLE | 0 | 29614 | 0 | 0 |
| WASTE MGMT INC DEL COM | Stock | 94106L109 |  | 3291420 | 20980 | SH |  | SOLE | 0 | 20980 | 0 | 0 |
| COSTCO WHSL CORP NEW COM | Stock | 22160K105 |  | 243771 | 534 | SH |  | SOLE | 0 | 534 | 0 | 0 |
| PROCTER AND GAMBLE CO COM | Stock | 742718109 |  | 5922722 | 39078 | SH |  | SOLE | 0 | 39078 | 0 | 0 |
| UNITED PARCEL SERVICE INC CL B | Stock | 911312106 |  | 3688701 | 21219 | SH |  | SOLE | 0 | 21218 | 0 | 0 |
| MERCK  CO INC COM | Stock | 58933Y105 |  | 6619189 | 59659 | SH |  | SOLE | 0 | 59659 | 0 | 0 |
| SPDR S 500 ETF TRUST | ETF | 78462F103 |  | 784746 | 2052 | SH |  | SOLE | 0 | 2052 | 0 | 0 |
| ALLSTATE CORP COM | Stock | 020002101 |  | 1164533 | 8588 | SH |  | SOLE | 0 | 8588 | 0 | 0 |
| VERIZON COMMUNICATIONS INC COM | Stock | 92343V104 |  | 2436800 | 61848 | SH |  | SOLE | 0 | 61847 | 0 | 0 |
| PEPSICO INC COM | Stock | 713448108 |  | 6536436 | 36181 | SH |  | SOLE | 0 | 36180 | 0 | 0 |
| INVESCO S 500 EQUAL WEIGHT MATERIALS ETF | ETF | 46137V316 |  | 502624 | 3168 | SH |  | SOLE | 0 | 3168 | 0 | 0 |
| ISHARES ESG AWARE MSCI USA ETF | ETF | 46435G425 |  | 3433223 | 40510 | SH |  | SOLE | 0 | 40510 | 0 | 0 |
| HOME DEPOT INC COM | Stock | 437076102 |  | 4987900 | 15791 | SH |  | SOLE | 0 | 15791 | 0 | 0 |
| AMERISOURCEBERGEN CORP COM | Stock | 03073E105 |  | 494479 | 2984 | SH |  | SOLE | 0 | 2984 | 0 | 0 |
| REGIONS FINANCIAL CORP NEW COM | Stock | 7591EP100 |  | 1228316 | 56972 | SH |  | SOLE | 0 | 56972 | 0 | 0 |
| ISHARES RUSSELL 1000 GROWTH ETF | ETF | 464287614 |  | 430622 | 2010 | SH |  | SOLE | 0 | 2010 | 0 | 0 |
| ISHARES CORE S SMALL CAP ETF | ETF | 464287804 |  | 384683 | 4065 | SH |  | SOLE | 0 | 4064 | 0 | 0 |
| BERKSHIRE HATHAWAY INC DEL CL B NEW | Stock | 084670702 |  | 330214 | 1069 | SH |  | SOLE | 0 | 1069 | 0 | 0 |
| BLACKSTONE MORTGAGE TRUST INC 4.75 03/15/2023 | Convertible | 09257WAC4 |  | 19692 | 20000 | SH |  | SOLE | 0 | 20000 | 0 | 0 |
| COMCAST CORP NEW CL A | Stock | 20030N101 |  | 1831854 | 52384 | SH |  | SOLE | 0 | 52383 | 0 | 0 |
| ISHARES U.S. INFRASTRUCTURE ETF | ETF | 46435U713 |  | 244719 | 6749 | SH |  | SOLE | 0 | 6749 | 0 | 0 |
| MICROSOFT CORP COM | Stock | 594918104 |  | 5855401 | 24416 | SH |  | SOLE | 0 | 24415 | 0 | 0 |
| EVERGY INC COM | Stock | 30034W106 |  | 3892757 | 61859 | SH |  | SOLE | 0 | 61858 | 0 | 0 |
| PGIM ULTRA SHORT BOND ETF | ETF | 69344A107 |  | 1026849 | 20913 | SH |  | SOLE | 0 | 20913 | 0 | 0 |
| NIKE INC CL B | Stock | 654106103 |  | 1692529 | 14465 | SH |  | SOLE | 0 | 14464 | 0 | 0 |
| PROSPECT CAP CORP 6.375 03/01/2025 | Convertible | 74348TAT9 |  | 29800 | 30000 | SH |  | SOLE | 0 | 30000 | 0 | 0 |
| LYONDELLBASELL INDUSTRIES N V SHS - A - | Stock | N53745100 |  | 1691942 | 20377 | SH |  | SOLE | 0 | 20377 | 0 | 0 |
| VANGUARD COMMUNICATION SERVICES ETF | ETF | 92204A884 |  | 648541 | 7885 | SH |  | SOLE | 0 | 7885 | 0 | 0 |
| ISHARES MSCI EAFE GROWTH ETF | ETF | 464288885 |  | 1234643 | 14740 | SH |  | SOLE | 0 | 14740 | 0 | 0 |
| ISHARES MSCI EAFE VALUE ETF | ETF | 464288877 |  | 1712425 | 37324 | SH |  | SOLE | 0 | 37324 | 0 | 0 |
| SCHWAB US DIVIDEND EQUITY ETF | ETF | 808524797 |  | 2567151 | 33984 | SH |  | SOLE | 0 | 33984 | 0 | 0 |
| ISHARES MSCI EMERGING MARKETS MIN VOL FACTOR ETF | ETF | 464286533 |  | 963600 | 18164 | SH |  | SOLE | 0 | 18164 | 0 | 0 |
| ISHARES MSCI USA MIN VOL FACTOR ETF | ETF | 46429B697 |  | 454879 | 6309 | SH |  | SOLE | 0 | 6309 | 0 | 0 |
| ISHARES U.S. TREASURY BOND ETF | ETF | 46429B267 |  | 208547 | 9179 | SH |  | SOLE | 0 | 9179 | 0 | 0 |
| BROADCOM INC COM | Stock | 11135F101 |  | 8072593 | 14438 | SH |  | SOLE | 0 | 14437 | 0 | 0 |
| METLIFE INC COM | Stock | 59156R108 |  | 2426893 | 33535 | SH |  | SOLE | 0 | 33534 | 0 | 0 |
| ROYAL BK CDA SUSTAINABL COM | Stock | 780087102 |  | 3371275 | 35857 | SH |  | SOLE | 0 | 35857 | 0 | 0 |
| ENBRIDGE INC COM | Stock | 29250N105 |  | 6087518 | 155691 | SH |  | SOLE | 0 | 155691 | 0 | 0 |
| ABBVIE INC COM | Stock | 00287Y109 |  | 5729802 | 35455 | SH |  | SOLE | 0 | 35454 | 0 | 0 |
| CISCO SYS INC COM | Stock | 17275R102 |  | 6599526 | 138529 | SH |  | SOLE | 0 | 138529 | 0 | 0 |
| ISHARES U.S. TELECOMMUNICATIONS ETF | ETF | 464287713 |  | 934411 | 41659 | SH |  | SOLE | 0 | 41659 | 0 | 0 |
| ISHARES MSCI USA MOMENTUM FACTOR ETF | ETF | 46432F396 |  | 354318 | 2428 | SH |  | SOLE | 0 | 2428 | 0 | 0 |
| ISHARES U.S. TECHNOLOGY ETF | ETF | 464287721 |  | 469659 | 6305 | SH |  | SOLE | 0 | 6305 | 0 | 0 |
| ISHARES US FINANCIAL SERVICES ETF | ETF | 464287770 |  | 491777 | 3122 | SH |  | SOLE | 0 | 3122 | 0 | 0 |
| ISHARES CORE S 500 ETF | ETF | 464287200 |  | 6057003 | 15765 | SH |  | SOLE | 0 | 15764 | 0 | 0 |
| RIO TINTO PLC SPONSORED ADR | ADR | 767204100 |  | 3761084 | 52824 | SH |  | SOLE | 0 | 52824 | 0 | 0 |
| LOCKHEED MARTIN CORP COM | Stock | 539830109 |  | 4978315 | 10233 | SH |  | SOLE | 0 | 10233 | 0 | 0 |
| JPMORGAN CHASE  CO COM | Stock | 46625H100 |  | 6514262 | 48578 | SH |  | SOLE | 0 | 48577 | 0 | 0 |
| M  T BK CORP COM | Stock | 55261F104 |  | 1182819 | 8154 | SH |  | SOLE | 0 | 8154 | 0 | 0 |
| VANECK RETAIL ETF | ETF | 92189F684 |  | 503935 | 3180 | SH |  | SOLE | 0 | 3180 | 0 | 0 |
| WALMART INC COM | Stock | 931142103 |  | 3841924 | 27096 | SH |  | SOLE | 0 | 27095 | 0 | 0 |
| VANGUARD HIGH DIVIDEND YIELD INDEX ETF | ETF | 921946406 |  | 598401 | 5530 | SH |  | SOLE | 0 | 5530 | 0 | 0 |
| PFIZER INC COM | Stock | 717081103 |  | 6428650 | 125462 | SH |  | SOLE | 0 | 125461 | 0 | 0 |
| CATERPILLAR INC COM | Stock | 149123101 |  | 2642760 | 11032 | SH |  | SOLE | 0 | 11031 | 0 | 0 |
| ANALOG DEVICES INC COM | Stock | 032654105 |  | 3818192 | 23277 | SH |  | SOLE | 0 | 23277 | 0 | 0 |
| VANGUARD DIVIDEND APPRECIATION ETF | ETF | 921908844 |  | 513487 | 3382 | SH |  | SOLE | 0 | 3381 | 0 | 0 |
| ISHARES CORE U.S. AGGREGATE BOND ETF | ETF | 464287226 |  | 4632990 | 47768 | SH |  | SOLE | 0 | 47767 | 0 | 0 |
| ISHARES CORE DIVIDEND GROWTH ETF | ETF | 46434V621 |  | 438450 | 8769 | SH |  | SOLE | 0 | 8769 | 0 | 0 |
| REALTY INCOME CORP COM | REIT | 756109104 |  | 3405620 | 53691 | SH |  | SOLE | 0 | 53691 | 0 | 0 |
| DOMINION ENERGY INC COM | Stock | 25746U109 |  | 546717 | 8916 | SH |  | SOLE | 0 | 8915 | 0 | 0 |
| EXXON MOBIL CORP COM | Stock | 30231G102 |  | 4546404 | 41219 | SH |  | SOLE | 0 | 41218 | 0 | 0 |
| ARK INNOVATION ETF | ETF | 00214Q104 |  | 426926 | 13666 | SH |  | SOLE | 0 | 13666 | 0 | 0 |
| BLACKROCK INC COM | Stock | 09247X101 |  | 2064018 | 2913 | SH |  | SOLE | 0 | 2912 | 0 | 0 |
| ISHARES CORE S MID-CAP ETF | ETF | 464287507 |  | 230037 | 951 | SH |  | SOLE | 0 | 951 | 0 | 0 |
| APPLE INC COM | Stock | 037833100 |  | 991515 | 7631 | SH |  | SOLE | 0 | 7631 | 0 | 0 |

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