CIK: 0002112984
Total reported value
$127.4M
Reporting period: 2026-03-31 · Number of holdings: 54
Clear Retirement Advice LLC disclosed 54 holdings in its latest 13F filing for the period ending 2026-03-31, with total reported value of $127.4M and a quarterly turnover rate of 4.5%.
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Clear Retirement Advice LLC's disclosed holdings carry a Herfindahl concentration index of 0.059 — mathematically equivalent to about 17 equally-sized positions, well below its 54 actual disclosed holdings. That gap points to a strategy built around a small core of high-conviction bets rather than broad diversification.
Position sizes vary widely across the portfolio (a coefficient of variation of 1.48), with a handful of outsized bets alongside many smaller positions.
Recent activity leans toward adding more aggressively to already-large existing positions than to newly initiated ones (a 4.2 percentage-point tilt) — a pattern consistent with a momentum-following approach.
Sector classification currently covers about 4% of this portfolio's disclosed value; the remainder includes holdings (e.g. unmapped tickers, options, or other security types) not yet covered by our sector mapping.
Add AAPL
+190.7% $1.5M
Trim SPDW
+0.6% -$431.7K
Add SCHO
+1.6% $170.1K
Trim ITOT
+1.8% -$398.4K
Trim VBR
+0.8% -$300.5K
Add VCSH
+8.4% $203.1K
| # | Ticker | Issuer | Asset Subclass | Weight | Weight Change | Shares Change | 4Q Trend |
|---|---|---|---|---|---|---|---|
| 1 | SCHO | Schwab Short-term US Treas | ETF-Other | 11.40% | +0.24% | +1.60% | |
| 2 | SPDW | Ste Str Spdr Pt Dw EU ETF | ETF-Other | 10.08% | -0.24% | +0.56% | |
| 3 | ITOT | Ishares Core S&p Total U.s. | ETF-Other | 9.34% | -0.22% | +1.83% | |
| 4 | TBLL | Invesco Short Term Treasury | ETF-Gov Bonds | 9.33% | +0.13% | +0.58% | |
| 5 | VBR | Vanguard Small-cap Value ETF | ETF-Other | 5.58% | -0.18% | +0.85% | |
| 6 | IGSB | Ishares 1-5y Inv Grade CORP | ETF-Other | 5.49% | +0.03% | +0.15% | |
| 7 | VBK | Vanguard Small-cap Grwth ETF | ETF-Other | 4.41% | -0.09% | -0.40% | |
| 8 | SGOL | Abrdn Physical Gold Shares | ETF-Commodities | 4.26% | -0.12% | +1.69% | |
| 9 | VWO | Vanguard Ftse Emerging Marke | ETF-Emerging Markets | 4.12% | -0.15% | -0.22% | |
| 10 | SPYV | Ss Spdr P S&p 500 Value ETF | ETF-Large Cap & Growth | 3.55% | +0.02% | +3.33% | |
| 11 | VTI | Vanguard Total Stock Mkt ETF | ETF-Other | 3.48% | -0.06% | +2.64% | |
| 12 | SPYG | Ss Spdr P S&p 500 Growth ETF | ETF-Large Cap & Growth | 2.89% | -0.05% | +3.59% | |
| 13 | VCSH | Vanguard S/t CORP Bond ETF | ETF-Corp Bonds | 2.20% | +0.18% | +8.43% | |
| 14 | VEA | Vanguard Ftse Developed ETF | ETF-Other | 2.15% | -0.08% | -0.64% | |
| 15 | IAU | Ishares Gold Trust | ETF-Commodities | 1.94% | -0.06% | -1.36% | |
| 16 | AAPL | Apple INC | Stock-Tech | 1.82% | +1.14% | +190.66% | |
| 17 | SCHF | Schwab Intl Equity ETF | ETF-Other | 1.72% | -0.09% | -2.25% | |
| 18 | SCHB | Schwab US Broad Market ETF | ETF-Other | 1.57% | +0.10% | +11.52% | |
| 19 | IEMG | Ishares Core Msci Emerging | ETF-Emerging Markets | 1.44% | -0.03% | +0.05% | |
| 20 | SCHV | Schwab US Large-cap Value | ETF-Other | 1.39% | -0.11% | -5.24% | |
| 21 | SLYG | Ss Spdr S&p 600 Sc Gr ETF | ETF-Other | 0.91% | +0.05% | +7.12% | |
| 22 | SCHG | Schwab US Large-cap Growth | ETF-Other | 0.69% | — | +5.35% | |
| 23 | SLYV | Ss Spdr S&p 600 Sc Val ETF | ETF-Other | 0.62% | -0.02% | -0.18% | |
| 24 | VGT | Vanguard Info Tech ETF | ETF-Tech | 0.62% | -0.01% | — | |
| 25 | VTV | Vanguard Value ETF | ETF-Other | 0.59% | -0.02% | — | |
| 26 | SHY | Ishares 1-3 Year Treasury Bo | ETF-Gov Bonds | 0.56% | — | — | |
| 27 | V | Visa Inc-class A Shares | Stock-Financials | 0.48% | -0.01% | +4.65% | |
| 28 | VTWV | Vanguard Russell 2000 Value | ETF-Small Cap | 0.47% | -0.02% | -0.91% | |
| 29 | SPY | Ss Spdr S&p 500 ETF Trust-us | ETF-Large Cap & Growth | 0.45% | -0.02% | — | |
| 30 | GOOGL | Alphabet Inc-cl A | Stock-Comm Services | 0.43% | -0.06% | — | |
| 31 | GOOG | Alphabet Inc-cl C | Stock-Comm Services | 0.42% | -0.06% | — | |
| 32 | SCHH | Schwab US Reit ETF | ETF-Other | 0.41% | -0.07% | -15.07% | |
| 33 | MA | Mastercard INC - A | Stock-Financials | 0.40% | -0.04% | — | |
| 34 | VUG | Vanguard Growth ETF | ETF-Other | 0.32% | -0.07% | -11.94% | |
| 35 | XLI | Ss Industrial Select Sector | ETF-Other | 0.30% | -0.01% | — | |
| 36 | XLY | Ss Consumer Disc Select Sect | ETF-Other | 0.29% | -0.02% | — | |
| 37 | ITM | Vaneck Intermediate Muni ETF | ETF-Other | 0.28% | — | — | |
| 38 | SPEM | State Street Sp Ptf Em ETF | ETF-Other | 0.27% | -0.01% | — | |
| 39 | MUB | Ishares National Muni Bond E | ETF-Other | 0.27% | — | — | |
| 40 | XLV | Ss Health Care Select Sector | ETF-Other | 0.26% | -0.01% | — | |
| 41 | XLU | St Sr Utl Sl Se Spdr Etf-usd | ETF-Other | 0.24% | +0.02% | — | |
| 42 | AZO | Autozone INC | Stock-Consumer Disc | 0.24% | -0.02% | — | |
| 43 | VOX | Vanguard Communication Servi | ETF-Other | 0.23% | -0.02% | — | |
| 44 | RSP | Invesco S&p 500 Equal Weight | ETF-Large Cap & Growth | 0.23% | — | — | |
| 45 | XLK | Ss Technology Select Sector | ETF-Tech | 0.22% | -0.01% | — | |
| 46 | JNJ | Johnson & Johnson | Stock-Healthcare | 0.21% | +0.01% | — | |
| 47 | FAST | Fastenal Co | Stock-Industrials | 0.21% | — | — | |
| 48 | EFG | Ishares Msci Eafe Growth ETF | ETF-Other | 0.20% | -0.01% | — | |
| 49 | XLP | Ss Consumer Staples Sel Sect | ETF-Other | 0.19% | -0.01% | — | |
| 50 | TJX | Tjx Companies INC | Stock-Consumer Disc | 0.18% | +0.01% | — |
Performance for Q3 2026
+0.8%
Performance Last 4 Quarters
+1.2%
Based on 5 months of available history
Based on 64% of reported portfolio value with available pricing
Clear Retirement Advice LLC's most significant position changes for 2026-03-31: New buy: Berkshire Hathaway Inc-cl B (BRK-B); Add: Apple INC (AAPL) — shares +190.66%; Add: Ste Str Spdr Pt Dw EU ETF (SPDW) — shares +0.56%; Add: Schwab Short-term US Treas (SCHO) — shares +1.60%; Add: Ishares Core S&p Total U.s. (ITOT) — shares +1.83%.
| Period | Filed | Type | EDGAR |
|---|---|---|---|
| 2026-03-31 | 2026-04-28 | 13F-HR | View on EDGAR |
| 2025-12-31 | 2026-02-24 | 13F-HR | View on EDGAR |
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