UNITED STATES SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549
FORM 13F

FORM 13F COVER PAGE
OMB APPROVAL
OMB Number:3235-0006
Expires:July 31, 2015
Estimated average burden
hours per response:23.8
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:
SUMMIT WEALTH & RETIREMENT PLANNING, INC.
Address:
55 OAK CT.
SUITE 210
DANVILLE, CA 94526
Form 13F File Number:
028-19057

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
Title:
Chief Operating Officer
Phone:
925-927-1900


Signature, Place, and Date of Signing:

D. Ryan McCloskey
                         [Signature]
Carmel, INDIANA
                 [City, State]
02-09-2023
                           [Date]
                          

Report Type (Check only one.):

☒ 13F HOLDINGS REPORT. (Check here if all holdings of this reporting manager are reported in this report.) 

☐ 13F NOTICE. (Check here if no holdings reported are 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:
245942
          (thousands)

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


UNITED STATES SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549
FORM 13F

FORM 13F INFORMATION TABLE
OMB APPROVAL
OMB Number:3235-0006
Expires:July 31, 2015
Estimated average burden
hours per response:23.8
COLUMN 1COLUMN 2COLUMN 3COLUMN 4COLUMN 5COLUMN 6COLUMN 7COLUMN 8
VALUESHRS ORSH/PUT/INVESTMENTOTHERVOTING AUTHORITY
NAME OF ISSUERTITLE OF CLASSCUSIP(x$1000)PRN AMTPRNCALLDISCRETIONMANAGERSOLESHAREDNONE
ABRDN PRECIOUS METALS BASKETPHYSCL PRECS MET0032631008,00589,708SHSOLE 0 0 89,708
ADVANCED MICRO DEVICES INCCOM0079031072974,589SHSOLE 0 0 4,589
ALPHABET INCCAP STK CL C02079K1073093,480SHSOLE 0 0 3,480
ALPHABET INCCAP STK CL A02079K3051,14512,972SHSOLE 0 0 12,972
AMAZON COM INCCOM0231351066467,690SHSOLE 0 0 7,690
APOLLO SR FLOATING RATE FD ICOM03763610724720,012SHSOLE 0 0 20,012
APPLE INCCOM0378331002,61620,134SHSOLE 0 0 20,134
BERKSHIRE HATHAWAY INC DELCL B NEW0846707023211,040SHSOLE 0 0 1,040
BILL COM HLDGS INCCOM0900431001,63415,000SHSOLE 0 0 15,000
BLACKROCK FLOATING RATE INCOCOM09255X10015613,868SHSOLE 0 0 13,868
BLUEPRINT MEDICINES CORPCOM09627Y1092625,987SHSOLE 0 0 5,987
BROADCOM INCCOM11135F101543972SHSOLE 0 0 972
CATALENT INCCOM1488061022836,296SHSOLE 0 0 6,296
CHEVRON CORP NEWCOM1667641004442,476SHSOLE 0 0 2,476
CO-DIAGNOSTICS INCCOM1897631053112,325SHSOLE 0 0 12,325
COPART INCCOM21720410687714,400SHSOLE 0 0 14,400
COSTCO WHSL CORP NEWCOM22160K1056921,516SHSOLE 0 0 1,516
DIAMONDBACK ENERGY INCCOM25278X1093082,255SHSOLE 0 0 2,255
DISNEY WALT COCOM2546871062542,929SHSOLE 0 0 2,929
DUTCH BROS INCCL A26701L1002057,271SHSOLE 0 0 7,271
ETF SER SOLUTIONSUS GLB JETS26922A84266238,766SHSOLE 0 0 38,766
ELECTRONIC ARTS INCCOM2855121095384,407SHSOLE 0 0 4,407
ENERGY TRANSFER L PCOM UT LTD PTN29273V10061251,528SHSOLE 0 0 51,528
FIRST TR EXCHANGE-TRADED FDCAP STRENGTH ETF33733E1042303,066SHSOLE 0 0 3,066
FLEXSHARES TRHIG YLD VL ETF33939L66267917,046SHSOLE 0 0 17,046
FLEXSHARES TRCR SCD US BD33939L76152511,327SHSOLE 0 0 11,327
FORGEROCK INCCL A34631B1012,05590,261SHSOLE 0 0 90,261
HOME DEPOT INCCOM4370761029202,913SHSOLE 0 0 2,913
INGERSOLL RAND INCCOM45687V10675914,523SHSOLE 0 0 14,523
INVESCO QQQ TRUNIT SER 146090E103239899SHSOLE 0 0 899
INVESCO DB MULTI-SECTOR COMMPRECIOUS METAL46140H5021,65334,413SHSOLE 0 0 34,413
ISHARES INCJP MRGN EM HI BD4642862852747,827SHSOLE 0 0 7,827
ISHARES TRCORE US AGGBD ET4642872263,59337,047SHSOLE 0 0 37,047
ISHARES TRMSCI EMG MKT ETF4642872343,808100,476SHSOLE 0 0 100,476
ISHARES TRIBOXX INV CP ETF4642872425845,537SHSOLE 0 0 5,537
ISHARES TR20 YR TR BD ETF4642874323533,547SHSOLE 0 0 3,547
ISHARES TRMSCI EAFE ETF4642874656,738102,654SHSOLE 0 0 102,654
ISHARES TRCORE S&P MCP ETF4642875072551,055SHSOLE 0 0 1,055
ISHARES TRRUS 1000 VAL ETF4642875988,27854,586SHSOLE 0 0 54,586
ISHARES TRRUS 1000 GRW ETF4642876142,51011,714SHSOLE 0 0 11,714
ISHARES TRRUSSELL 2000 ETF4642876554,58026,265SHSOLE 0 0 26,265
ISHARES TRJPMORGAN USD EMG4642882814114,854SHSOLE 0 0 4,854
ISHARES TRCALIF MUN BD ETF46428835674413,264SHSOLE 0 0 13,264
ISHARES TRNATIONAL MUN ETF4642884144,97947,183SHSOLE 0 0 47,183
ISHARES TRCORE HIGH DV ETF46429B6634764,563SHSOLE 0 0 4,563
ISHARES TR0-5YR HI YL CP46434V40747311,571SHSOLE 0 0 11,571
ISHARES TRFALN ANGLS USD46435G4741,17947,891SHSOLE 0 0 47,891
ISHARES TRUS INFRASTRUC46435U71368818,971SHSOLE 0 0 18,971
JPMORGAN CHASE & COCOM46625H1001,89914,160SHSOLE 0 0 14,160
JOHNSON & JOHNSONCOM4781601042421,370SHSOLE 0 0 1,370
KINDER MORGAN INC DELCOM49456B10141522,931SHSOLE 0 0 22,931
LAUDER ESTEE COS INCCL A5184391044231,703SHSOLE 0 0 1,703
LEGEND BIOTECH CORPSPONSORED ADS52490G1023567,123SHSOLE 0 0 7,123
LEIDOS HOLDINGS INCCOM5253271022402,278SHSOLE 0 0 2,278
LIQUIDITY SVCS INCCOM53635B10769849,649SHSOLE 0 0 49,649
LITMAN GREGORY FDS TRIMGP DBI MANAGED53700T82711,787404,902SHSOLE 0 0 404,902
MAMAMANCINI S HLDGS INCCOM56146T1037139,614SHSOLE 0 0 39,614
MASTERCARD INCORPORATEDCL A57636Q1045441,564SHSOLE 0 0 1,564
MICROSOFT CORPCOM5949181041,9698,212SHSOLE 0 0 8,212
MODERNA INCCOM60770K1076403,562SHSOLE 0 0 3,562
NVIDIA CORPORATIONCOM67066G1045934,057SHSOLE 0 0 4,057
PALANTIR TECHNOLOGIES INCCL A69608A1086410,000SHSOLE 0 0 10,000
PALO ALTO NETWORKS INCCOM6974351057365,274SHSOLE 0 0 5,274
PENNYMAC FINL SVCS INC NEWCOM70932M10775213,279SHSOLE 0 0 13,279
PFIZER INCCOM71708110354510,640SHSOLE 0 0 10,640
PIMCO ETF TRINTER MUN BD ACT72201R8661,15522,482SHSOLE 0 0 22,482
PROCTER AND GAMBLE COCOM7427181094252,803SHSOLE 0 0 2,803
PROLOGIS INC.COM74340W1033993,543SHSOLE 0 0 3,543
PROSHARES TRINVT INT RT HG74347B6076529,174SHSOLE 0 0 9,174
PRUDENTIAL FINL INCCOM7443201025345,364SHSOLE 0 0 5,364
SPDR S&P 500 ETF TRTR UNIT78462F1035,27813,801SHSOLE 0 0 13,801
SSGA ACTIVE ETF TRBLACKSTONE SENR78467V6082616,370SHSOLE 0 0 6,370
SPDR SER TRBLOOMBERG SHT TE78468R4081,28853,136SHSOLE 0 0 53,136
SALESFORCE INCCOM79466L3023993,008SHSOLE 0 0 3,008
SAREPTA THERAPEUTICS INCCOM8036071007575,843SHSOLE 0 0 5,843
SCHWAB STRATEGIC TRUS BRD MKT ETF8085241023,48977,871SHSOLE 0 0 77,871
SCHWAB STRATEGIC TRUS LCAP GR ETF80852430019,933358,769SHSOLE 0 0 358,769
SCHWAB STRATEGIC TRUS LCAP VA ETF80852440926,637403,462SHSOLE 0 0 403,462
SCHWAB STRATEGIC TRUS SML CAP ETF8085246078,044198,577SHSOLE 0 0 198,577
SCHWAB STRATEGIC TREMRG MKTEQ ETF8085247068,223347,406SHSOLE 0 0 347,406
SCHWAB STRATEGIC TRUS DIVIDEND EQ8085247977229,551SHSOLE 0 0 9,551
SCHWAB STRATEGIC TRINTL EQTY ETF80852480512,762396,197SHSOLE 0 0 396,197
STARBUCKS CORPCOM8552441095695,740SHSOLE 0 0 5,740
T-MOBILE US INCCOM8725901045694,063SHSOLE 0 0 4,063
TESLA INCCOM88160R1012011,632SHSOLE 0 0 1,632
VANECK ETF TRUSTEMERGING MRKT HI92189F3531,901104,394SHSOLE 0 0 104,394
VANECK ETF TRUSTFALLEN ANGEL HG92189F4372218,171SHSOLE 0 0 8,171
VANECK ETF TRUSTLONG MUNI ETF92189F5361,36478,145SHSOLE 0 0 78,145
VANECK ETF TRUSTJP MRGAN EM LOC92189H30029712,277SHSOLE 0 0 12,277
VANECK ETF TRUSTHIGH YLD MUNIETF92189H4094528,933SHSOLE 0 0 8,933
VANGUARD STAR FDSVG TL INTL STK F9219097682244,330SHSOLE 0 0 4,330
VANGUARD WORLD FDMEGA CAP INDEX92191087323,928180,723SHSOLE 0 0 180,723
VANGUARD BD INDEX FDSINTERMED TERM92193781920,464275,346SHSOLE 0 0 275,346
VANGUARD BD INDEX FDSSHORT TRM BOND92193782796412,810SHSOLE 0 0 12,810
VANGUARD TAX-MANAGED FDSVAN FTSE DEV MKT92194385846611,098SHSOLE 0 0 11,098
VANGUARD WHITEHALL FDSHIGH DIV YLD9219464064424,086SHSOLE 0 0 4,086
VANGUARD SCOTTSDALE FDSINTER TERM TREAS92206C7063,62061,899SHSOLE 0 0 61,899
VANGUARD MUN BD FDSTAX EXEMPT BD9229077467,005141,552SHSOLE 0 0 141,552
VANGUARD INDEX FDSSM CP VAL ETF9229086114492,826SHSOLE 0 0 2,826
VANGUARD INDEX FDSTOTAL STK MKT9229087693251,700SHSOLE 0 0 1,700
VICTORY CAP HLDGS INCCOM CL A92645B10339514,714SHSOLE 0 0 14,714
VISA INCCOM CL A92826C8398133,915SHSOLE 0 0 3,915
VISTRA CORPCOM92840M10227111,685SHSOLE 0 0 11,685