# EDGAR Filing Document

**Accession Number:** 0002057004
**File Stem:** 0001951757-25-001195
**Filing Date:** 2025-10
**Character Count:** 12351
**Document Hash:** 0ca03617a03767da1e37a5177d9988b1
**Contains OCR:** False
**Source Format:** 

## Filing Content

## Filing Summary
**0001951757-25-001195.hdr.sgml**: 20251028

**ACCESSION NUMBER**: 0001951757-25-001195

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

**PUBLIC DOCUMENT COUNT**: 2

**CONFORMED PERIOD OF REPORT**: 20250930

**FILED AS OF DATE**: 20251028

**DATE AS OF CHANGE**: 20251027

**EFFECTIVENESS DATE**: 20251028

**FILER**: 

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** RETIREMENT PLANNING GROUP, LLC / NY
- **CENTRAL INDEX KEY:** 0002057004

**ORGANIZATION NAME:**
- **EIN:** 113760125
- **STATE OF INCORPORATION:** NY
- **FISCAL YEAR END:** 1231

**FILING VALUES:**
- **FORM TYPE:** 13F-HR
- **SEC ACT:** 1934 Act
- **SEC FILE NUMBER:** 028-25374
- **FILM NUMBER:** 251420943

**BUSINESS ADDRESS:**
- **STREET 1:** 2691 STATE ROUTE 9
- **CITY:** MALTA
- **STATE:** NY
- **ZIP:** 12020
- **BUSINESS PHONE:** (518) 580-1919

**MAIL ADDRESS:**
- **STREET 1:** 2691 STATE ROUTE 9
- **CITY:** MALTA
- **STATE:** NY
- **ZIP:** 12020

### FORM 13F COVER PAGE

**Report for the Calendar Year or Quarter Ended:** 09-30-2025

**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:** RETIREMENT PLANNING GROUP LLC / NY<br>**Address:** 2691 STATE ROUTE 9<br>MALTA, NY 12020

**Form 13F File Number:** 028-25374

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:** David Kopyc<br>**Title:** Chief Compliance Officer<br>**Phone:** (518) 580-1919

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

David Kopyc  Malta, NY  10-27-2025<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:** 87

**Form 13F Information Table Value Total:** $133695673

      (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 |
| AB ACTIVE ETFS INC | HIGH YIELD ETF | 00039J608 |  | 285668 | 7527 | SH |  | SOLE |  | 0 | 0 | 7527 |
| ABBOTT LABS | COM | 002824100 |  | 437008 | 3263 | SH |  | SOLE |  | 0 | 0 | 3263 |
| ABBVIE INC | COM | 00287Y109 |  | 945133 | 4082 | SH |  | SOLE |  | 0 | 0 | 4082 |
| ALPS ETF TR | RIVERFRNT DYMC | 00162Q528 |  | 4144646 | 65840 | SH |  | SOLE |  | 0 | 0 | 65840 |
| ALTRIA GROUP INC | COM | 02209S103 |  | 240042 | 3576 | SH |  | SOLE |  | 0 | 0 | 3576 |
| AMAZON COM INC | COM | 023135106 |  | 584013 | 2660 | SH |  | SOLE |  | 0 | 0 | 2660 |
| APPLE INC | COM | 037833100 |  | 2894866 | 11369 | SH |  | SOLE |  | 0 | 0 | 11369 |
| ARK ETF TR | INNOVATION ETF | 00214Q104 |  | 312147 | 3617 | SH |  | SOLE |  | 0 | 0 | 3617 |
| AT INC | COM | 00206R102 |  | 733896 | 25988 | SH |  | SOLE |  | 0 | 0 | 25988 |
| BANK AMERICA CORP | COM | 060505104 |  | 565796 | 10967 | SH |  | SOLE |  | 0 | 0 | 10967 |
| BLACKROCK ETF TRUST II | ISHARES HIGH YIE | 092528843 |  | 287391 | 5842 | SH |  | SOLE |  | 0 | 0 | 5842 |
| CHEVRON CORP NEW | COM | 166764100 |  | 351439 | 2263 | SH |  | SOLE |  | 0 | 0 | 2263 |
| COLUMBIA ETF TR I | RESH ENHNC COR | 19761L706 |  | 4208225 | 104293 | SH |  | SOLE |  | 0 | 0 | 104293 |
| COLUMBIA ETF TR II | EM CORE EX ETF | 19762B202 |  | 470771 | 12958 | SH |  | SOLE |  | 0 | 0 | 12958 |
| DEERE  CO | COM | 244199105 |  | 406179 | 885 | SH |  | SOLE |  | 0 | 0 | 885 |
| EATON VANCE FLTING RATE INC | COM | 278279104 |  | 300898 | 25565 | SH |  | SOLE |  | 0 | 0 | 25565 |
| ELEVANCE HEALTH INC FORMERLY | COM | 036752103 |  | 283734 | 878 | SH |  | SOLE |  | 0 | 0 | 878 |
| ELI LILLY  CO | COM | 532457108 |  | 608336 | 797 | SH |  | SOLE |  | 0 | 0 | 797 |
| ETF SER SOLUTIONS | DEFIANCE CONNECT | 26922A289 |  | 248332 | 4026 | SH |  | SOLE |  | 0 | 0 | 4026 |
| EXXON MOBIL CORP | COM | 30231G102 |  | 1316098 | 11673 | SH |  | SOLE |  | 0 | 0 | 11673 |
| FIDELITY COVINGTON TRUST | MSCI INFO TECH I | 316092808 |  | 645744 | 2907 | SH |  | SOLE |  | 0 | 0 | 2907 |
| FIDELITY GREENWOOD STREET TR | YIELD ENHANCED E | 31624J729 |  | 240173 | 8565 | SH |  | SOLE |  | 0 | 0 | 8565 |
| FIDELITY MERRIMACK STR TR | TOTAL BD ETF | 316188309 |  | 4037761 | 87006 | SH |  | SOLE |  | 0 | 0 | 87006 |
| GE AEROSPACE | COM NEW | 369604301 |  | 3362914 | 11166 | SH |  | SOLE |  | 0 | 0 | 11166 |
| GE HEALTHCARE TECHNOLOGIES I | COMMON STOCK | 36266G107 |  | 225512 | 3003 | SH |  | SOLE |  | 0 | 0 | 3003 |
| GE VERNOVA INC | COM | 36828A101 |  | 1766475 | 2873 | SH |  | SOLE |  | 0 | 0 | 2873 |
| GLOBAL X FDS | US INFR DEV ETF | 37954Y673 |  | 5517884 | 115849 | SH |  | SOLE |  | 0 | 0 | 115849 |
| GLOBAL X FDS | NASDAQ 100 COVER | 37954Y483 |  | 4616198 | 271381 | SH |  | SOLE |  | 0 | 0 | 271381 |
| GLOBAL X FDS | GLOBX SUPDV US | 37950E291 |  | 315200 | 17818 | SH |  | SOLE |  | 0 | 0 | 17818 |
| HOME DEPOT INC | COM | 437076102 |  | 1338044 | 3302 | SH |  | SOLE |  | 0 | 0 | 3302 |
| INTERNATIONAL BUSINESS MACHS | COM | 459200101 |  | 275258 | 976 | SH |  | SOLE |  | 0 | 0 | 976 |
| INVESCO EXCH TRADED FD TR II | S 500 REVENUE | 46138G698 |  | 6770675 | 61184 | SH |  | SOLE |  | 0 | 0 | 61184 |
| INVESCO EXCH TRADED FD TR II | S SMALLCAP 600 | 46138G664 |  | 578169 | 11970 | SH |  | SOLE |  | 0 | 0 | 11970 |
| INVESCO EXCH TRADED FD TR II | NASDAQ 100 ETF | 46138G649 |  | 3786387 | 15322 | SH |  | SOLE |  | 0 | 0 | 15322 |
| INVESCO EXCH TRADED FD TR II | INVESCO PHLX SM | 46138G615 |  | 221149 | 4412 | SH |  | SOLE |  | 0 | 0 | 4412 |
| INVESCO EXCH TRD SLF IDX FD | RUSL 1000 DYNM | 46138J619 |  | 1320603 | 21915 | SH |  | SOLE |  | 0 | 0 | 21915 |
| INVESCO EXCHANGE TRADED FD T | DJ INDL AVG DV | 46137V605 |  | 1814575 | 32862 | SH |  | SOLE |  | 0 | 0 | 32862 |
| INVESCO EXCHANGE TRADED FD T | S 500 GARP ETF | 46137V431 |  | 1032738 | 9089 | SH |  | SOLE |  | 0 | 0 | 9089 |
| INVESCO EXCHANGE TRADED FD T | S 500 TOP 50 | 46137V233 |  | 533353 | 9272 | SH |  | SOLE |  | 0 | 0 | 9272 |
| INVESCO QQQ TR | UNIT SER 1 | 46090E103 |  | 11702233 | 19469 | SH |  | SOLE |  | 0 | 0 | 19469 |
| ISHARES INC | MSCI GBL ETF NEW | 46434G848 |  | 677869 | 15233 | SH |  | SOLE |  | 0 | 0 | 15233 |
| ISHARES TR | MSCI USA QLT FCT | 46432F339 |  | 1678266 | 8629 | SH |  | SOLE |  | 0 | 0 | 8629 |
| ISHARES TR | CORE S ETF | 464287200 |  | 1224505 | 1830 | SH |  | SOLE |  | 0 | 0 | 1830 |
| ISHARES TR | HIGH YLD SYSTM B | 46435G250 |  | 2675973 | 55930 | SH |  | SOLE |  | 0 | 0 | 55930 |
| ISHARES TR | HDG MSCI EAFE | 46434V803 |  | 2032967 | 51325 | SH |  | SOLE |  | 0 | 0 | 51325 |
| ISHARES TR | US CONSM STAPLES | 464287812 |  | 457636 | 6692 | SH |  | SOLE |  | 0 | 0 | 6692 |
| ISHARES TR | US HOME CONS ETF | 464288752 |  | 220569 | 2057 | SH |  | SOLE |  | 0 | 0 | 2057 |
| ISHARES TR | CYBERSECURITY | 46435U135 |  | 205210 | 3921 | SH |  | SOLE |  | 0 | 0 | 3921 |
| J P MORGAN EXCHANGE TRADED F | EQUITY PREMIUM | 46641Q332 |  | 11253418 | 197083 | SH |  | SOLE |  | 0 | 0 | 197083 |
| J P MORGAN EXCHANGE TRADED F | NASDAQ EQT PREM | 46654Q203 |  | 1931282 | 33576 | SH |  | SOLE |  | 0 | 0 | 33576 |
| JPMORGAN CHASE  CO. | COM | 46625H100 |  | 714688 | 2266 | SH |  | SOLE |  | 0 | 0 | 2266 |
| LEGG MASON ETF INVT | FRANKLIN INTL LW | 52468L505 |  | 4026302 | 115865 | SH |  | SOLE |  | 0 | 0 | 115865 |
| MARATHON PETE CORP | COM | 56585A102 |  | 393382 | 2041 | SH |  | SOLE |  | 0 | 0 | 2041 |
| MARVELL TECHNOLOGY INC | COM | 573874104 |  | 317704 | 3779 | SH |  | SOLE |  | 0 | 0 | 3779 |
| MCDONALDS CORP | COM | 580135101 |  | 217663 | 716 | SH |  | SOLE |  | 0 | 0 | 716 |
| MERCK  CO INC | COM | 58933Y105 |  | 330135 | 3896 | SH |  | SOLE |  | 0 | 0 | 3896 |
| META PLATFORMS INC | CL A | 30303M102 |  | 319533 | 435 | SH |  | SOLE |  | 0 | 0 | 435 |
| MICROSOFT CORP | COM | 594918104 |  | 1559998 | 3012 | SH |  | SOLE |  | 0 | 0 | 3012 |
| NETFLIX INC | COM | 64110L106 |  | 205747 | 172 | SH |  | SOLE |  | 0 | 0 | 172 |
| NUVEEN CORE EQUITY ALPHA FD | COM | 67090X107 |  | 4345507 | 270699 | SH |  | SOLE |  | 0 | 0 | 270699 |
| NVIDIA CORPORATION | COM | 67066G104 |  | 3053948 | 16367 | SH |  | SOLE |  | 0 | 0 | 16367 |
| PACER FDS TR | US CASH COWS 100 | 69374H881 |  | 243847 | 4243 | SH |  | SOLE |  | 0 | 0 | 4243 |
| PALANTIR TECHNOLOGIES INC | CL A | 69608A108 |  | 366732 | 2010 | SH |  | SOLE |  | 0 | 0 | 2010 |
| PHILIP MORRIS INTL INC | COM | 718172109 |  | 266865 | 1645 | SH |  | SOLE |  | 0 | 0 | 1645 |
| PIMCO DYNAMIC INCOME FD | SHS | 72201Y101 |  | 3878344 | 193716 | SH |  | SOLE |  | 0 | 0 | 193716 |
| PLUG POWER INC | COM NEW | 72919P202 |  | 40286 | 17290 | SH |  | SOLE |  | 0 | 0 | 17290 |
| PROCTER AND GAMBLE CO | COM | 742718109 |  | 222572 | 1449 | SH |  | SOLE |  | 0 | 0 | 1449 |
| SCHWAB STRATEGIC TR | US LCAP GR ETF | 808524300 |  | 884770 | 27727 | SH |  | SOLE |  | 0 | 0 | 27727 |
| SCHWAB STRATEGIC TR | US DIVIDEND EQ | 808524797 |  | 2991060 | 109563 | SH |  | SOLE |  | 0 | 0 | 109563 |
| SCHWAB STRATEGIC TR | US LCAP VA ETF | 808524409 |  | 507600 | 17437 | SH |  | SOLE |  | 0 | 0 | 17437 |
| SELECT SECTOR SPDR TR | FINANCIAL | 81369Y605 |  | 4102382 | 76153 | SH |  | SOLE |  | 0 | 0 | 76153 |
| SELECT SECTOR SPDR TR | ENERGY | 81369Y506 |  | 3764329 | 42135 | SH |  | SOLE |  | 0 | 0 | 42135 |
| SPDR DOW JONES INDL AVERAGE | UT SER 1 | 78467X109 |  | 283415 | 609 | SH |  | SOLE |  | 0 | 0 | 609 |
| SPDR S 500 ETF TR | TR UNIT | 78462F103 |  | 509328 | 762 | SH |  | SOLE |  | 0 | 0 | 762 |
| TESLA INC | COM | 88160R101 |  | 304597 | 685 | SH |  | SOLE |  | 0 | 0 | 685 |
| UNITEDHEALTH GROUP INC | COM | 91324P102 |  | 573136 | 1660 | SH |  | SOLE |  | 0 | 0 | 1660 |
| VANGUARD INDEX FDS | S 500 ETF SHS | 922908363 |  | 845874 | 1377 | SH |  | SOLE |  | 0 | 0 | 1377 |
| VANGUARD INDEX FDS | TOTAL STK MKT | 922908769 |  | 380129 | 1155 | SH |  | SOLE |  | 0 | 0 | 1155 |
| VANGUARD INDEX FDS | SM CP VAL ETF | 922908611 |  | 552993 | 2638 | SH |  | SOLE |  | 0 | 0 | 2638 |
| VANGUARD INDEX FDS | EXTEND MKT ETF | 922908652 |  | 207560 | 991 | SH |  | SOLE |  | 0 | 0 | 991 |
| VANGUARD INTL EQUITY INDEX F | ALLWRLD EX US | 922042775 |  | 323847 | 4538 | SH |  | SOLE |  | 0 | 0 | 4538 |
| VANGUARD SCOTTSDALE FDS | VNG RUS1000IDX | 92206C730 |  | 2408140 | 7965 | SH |  | SOLE |  | 0 | 0 | 7965 |
| VANGUARD WHITEHALL FDS | HIGH DIV YLD | 921946406 |  | 339467 | 2408 | SH |  | SOLE |  | 0 | 0 | 2408 |
| VERIZON COMMUNICATIONS INC | COM | 92343V104 |  | 636227 | 14476 | SH |  | SOLE |  | 0 | 0 | 14476 |
| VISA INC | COM CL A | 92826C839 |  | 439897 | 1289 | SH |  | SOLE |  | 0 | 0 | 1289 |
| WALMART INC | COM | 931142103 |  | 613058 | 5949 | SH |  | SOLE |  | 0 | 0 | 5949 |
| WELLTOWER INC | COM | 95040Q104 |  | 441253 | 2477 | SH |  | SOLE |  | 0 | 0 | 2477 |

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