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:
06-30-2023
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:
Donald Ryan McCloskey
Title:
Chief Operating Officer
Phone:
9259271900


Signature, Place, and Date of Signing:

Donald Ryan McCloskey
                         [Signature]
Carmel, INDIANA
                 [City, State]
07-26-2023
                           [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:
59
Form 13F Information table Value Total:
254229105
          (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 MET00326310010,971,930126,463SHSOLE 0 0 126,463
ADVANCED MICRO DEVICES INCCOM007903107206,4051,812SHSOLE 0 0 1,812
ALPHABET INCCAP STK CL C02079K107883,0817,300SHSOLE 0 0 7,300
ALPHABET INCCAP STK CL A02079K305941,3217,864SHSOLE 0 0 7,864
AMAZON COM INCCOM023135106333,7222,560SHSOLE 0 0 2,560
APPLE INCCOM0378331002,660,23813,715SHSOLE 0 0 13,715
BERKSHIRE HATHAWAY INC DELCL B NEW084670702365,2111,071SHSOLE 0 0 1,071
BILL HOLDINGS INCCOM0900431001,752,75015,000SHSOLE 0 0 15,000
BRIGHTSPIRE CAPITAL INCCOM CL A10949T10973,54510,928SHSOLE 0 0 10,928
CHEVRON CORP NEWCOM166764100268,7691,708SHSOLE 0 0 1,708
CHIPOTLE MEXICAN GRILL INCCOM169656105346,518162SHSOLE 0 0 162
COPART INCCOM217204106664,1917,282SHSOLE 0 0 7,282
COSTCO WHSL CORP NEWCOM22160K105305,261567SHSOLE 0 0 567
DISNEY WALT COCOM254687106261,5162,929SHSOLE 0 0 2,929
FORGEROCK INCCL A34631B101493,10424,007SHSOLE 0 0 24,007
HOME DEPOT INCCOM437076102424,2501,366SHSOLE 0 0 1,366
INVESCO QQQ TRUNIT SER 146090E103221,283599SHSOLE 0 0 599
ISHARES TRCORE US AGGBD ET4642872263,984,70740,681SHSOLE 0 0 40,681
ISHARES TRMSCI EMG MKT ETF4642872344,468,223112,948SHSOLE 0 0 112,948
ISHARES TRIBOXX INV CP ETF464287242425,2113,932SHSOLE 0 0 3,932
ISHARES TRMSCI EAFE ETF4642874658,089,496111,579SHSOLE 0 0 111,579
ISHARES TRCORE S&P MCP ETF464287507275,8611,055SHSOLE 0 0 1,055
ISHARES TRRUS 1000 VAL ETF46428759811,937,95175,638SHSOLE 0 0 75,638
ISHARES TRRUS 1000 GRW ETF4642876143,358,73812,206SHSOLE 0 0 12,206
ISHARES TRRUSSELL 2000 ETF4642876555,403,03428,852SHSOLE 0 0 28,852
ISHARES TRCALIF MUN BD ETF464288356755,38513,264SHSOLE 0 0 13,264
ISHARES TRNATIONAL MUN ETF4642884145,590,84552,383SHSOLE 0 0 52,383
ISHARES TRCORE HIGH DV ETF46429B663571,3795,669SHSOLE 0 0 5,669
JPMORGAN CHASE & COCOM46625H1001,408,8779,687SHSOLE 0 0 9,687
KRANESHARES TRKFA MOUNT LUCAS5007676521,286,67642,230SHSOLE 0 0 42,230
LITMAN GREGORY FDS TRIMGP DBI MANAGED53700T82713,191,253477,425SHSOLE 0 0 477,425
MERCK & CO INCCOM58933Y105549,3044,760SHSOLE 0 0 4,760
MICROSOFT CORPCOM5949181041,936,9925,688SHSOLE 0 0 5,688
NVIDIA CORPORATIONCOM67066G104602,3801,424SHSOLE 0 0 1,424
PALO ALTO NETWORKS INCCOM697435105445,0981,742SHSOLE 0 0 1,742
PIONEER NAT RES COCOM723787107376,8761,819SHSOLE 0 0 1,819
PROCTER AND GAMBLE COCOM742718109474,5643,127SHSOLE 0 0 3,127
SPDR S&P 500 ETF TRTR UNIT78462F1036,659,39515,023SHSOLE 0 0 15,023
SCHWAB STRATEGIC TRUS BRD MKT ETF8085241024,055,50978,443SHSOLE 0 0 78,443
SCHWAB STRATEGIC TRUS LCAP GR ETF80852430028,809,937384,389SHSOLE 0 0 384,389
SCHWAB STRATEGIC TRUS LCAP VA ETF80852440928,801,057429,290SHSOLE 0 0 429,290
SCHWAB STRATEGIC TRUS SML CAP ETF8085246079,996,394228,228SHSOLE 0 0 228,228
SCHWAB STRATEGIC TREMRG MKTEQ ETF80852470610,257,370416,458SHSOLE 0 0 416,458
SCHWAB STRATEGIC TRUS DIVIDEND EQ808524797812,72511,191SHSOLE 0 0 11,191
SCHWAB STRATEGIC TRINTL EQTY ETF80852480516,669,158467,578SHSOLE 0 0 467,578
SIMPSON MFG INCCOM829073105236,8351,710SHSOLE 0 0 1,710
TESLA INCCOM88160R101806,5133,081SHSOLE 0 0 3,081
VANGUARD WORLD FDMEGA CAP INDEX92191087328,367,137181,306SHSOLE 0 0 181,306
VANGUARD BD INDEX FDSINTERMED TERM92193781919,699,953261,863SHSOLE 0 0 261,863
VANGUARD BD INDEX FDSSHORT TRM BOND921937827837,16411,078SHSOLE 0 0 11,078
VANGUARD TAX-MANAGED FDSVAN FTSE DEV MKT921943858503,27010,898SHSOLE 0 0 10,898
VANGUARD WHITEHALL FDSHIGH DIV YLD921946406442,2064,169SHSOLE 0 0 4,169
VANGUARD SCOTTSDALE FDSINTER TERM TREAS92206C7063,485,81259,424SHSOLE 0 0 59,424
VANGUARD MUN BD FDSTAX EXEMPT BD9229077465,673,253112,968SHSOLE 0 0 112,968
VANGUARD INDEX FDSSM CP VAL ETF922908611591,4053,576SHSOLE 0 0 3,576
VANGUARD INDEX FDSMID CAP ETF922908629378,6751,720SHSOLE 0 0 1,720
VANGUARD INDEX FDSLARGE CAP ETF922908637203,9361,006SHSOLE 0 0 1,006
VANGUARD INDEX FDSSMALL CP ETF922908751325,7821,638SHSOLE 0 0 1,638
VISA INCCOM CL A92826C839309,6741,304SHSOLE 0 0 1,304