RCS Financial Planning, LLC 13F Holdings Overview (98 Positions)

CIK: 0001963347

Diversified strategySector-focusedMomentum follower

Total reported value

$192.8M

Reporting period: 2026-03-31 · Number of holdings: 98

RCS Financial Planning, LLC disclosed 98 holdings in its latest 13F filing for the period ending 2026-03-31, with total reported value of $192.8M and a quarterly turnover rate of 32.9%.

Browse other institutions with $100M to $1B AUM Browse other institutions starting with "R"

Personality snowflake

Concentration: 20.17
Portfolio Stability: 32.91
Momentum/Contrarian: 100
Sector conviction: 100
Diversification: 100
Sizing Uniformity: 80.04

RCS Financial Planning, LLC's disclosed holdings carry a Herfindahl concentration index of 0.050 — mathematically equivalent to about 20 equally-sized positions, well below its 98 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 2.00), with a handful of outsized bets alongside many smaller positions.

No strong tilt toward either adding to existing winners or initiating outsized new positions was observed in the latest reported quarter.

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.

Recent moves

Trim IVV
-63.1%　-$5.4M
Trim IUSB
-77.6%　-$4.5M
Trim IVE
-80.3%　-$4.2M
Trim DYNF
-79.1%　-$4.2M
Add DFAC
-3.3%　-$1.4M
Add FBND
+4.1%　$476.2K

Holdings Map

New buyAddUnchangedTrim

Top 10 holdings by weight

Full holdings list this quarter

#	Ticker	Issuer	Asset Subclass	Weight	Weight Change	Shares Change
1	DFAC	Dimensional US Core Equity 2	ETF-Other	13.77%	+1.72%	-3.31%
2	DFCF	Dimensional Core Fixed INC	ETF-Other	9.03%	—	+2.20%
3	FBND	Fidelity Total Bond ETF	ETF-Other	8.75%	+1.68%	+4.05%
4	DFIC	Dimensional International Co	ETF-Other	5.60%	—	-2.44%
5	DFSV	Dimensional US Small Cap Val	ETF-Small Cap	5.38%	+1.22%	+0.93%
6	DUHP	Dimensional US High Profi Et	ETF-Other	4.93%	+0.56%	-2.94%
7	DFSD	Dimensional Short Duration	ETF-Other	4.04%	—	+2.15%
8	FLDR	Fidelity Low Durat Fact ETF	ETF-Other	3.20%	—	+1.41%
9	DFEM	Dimensional Emrg Mrkt Core	ETF-Other	2.90%	—	-1.64%
10	VTEB	Vanguard Tax-exempt Bond ETF	ETF-Other	2.43%	—	-4.33%
11	VUG	Vanguard Growth ETF	ETF-Other	1.78%	+0.15%	+1.34%
12	AAPL	Apple INC	Stock-Tech	1.73%	-0.01%	-11.51%
13	CRWD	Crowdstrike Holdings INC - A	Stock-Tech	1.59%	-0.02%	-1.73%
14	AVDV	Avantis Intl S/c Value ETF	ETF-Other	1.55%	—	-8.73%
15	IVV	Ishares Core S&p 500 ETF	ETF-Large Cap & Growth	1.52%	-2.06%	-63.14%
16	VTV	Vanguard Value ETF	ETF-Other	1.29%	+0.39%	+16.66%
17	MUB	Ishares National Muni Bond E	ETF-Other	1.28%	+0.56%	+50.54%
18	DFAU	Dimensional US Core Equity M	ETF-Other	1.19%	—	-3.46%
19	VEA	Vanguard Ftse Developed ETF	ETF-Other	1.09%	—	-9.54%
20	DFAR	Dimensional US Real Est ETF	ETF-Other	0.84%	—	-0.71%
21	ESGU	Ishares Esg Aware Msci USA	ETF-Other	0.78%	—	-1.18%
22	QUAL	Ishares Msci USA Quality Fac	ETF-Other	0.75%	-0.67%	-54.40%
23	SUB	Ishares Short-term National	ETF-Other	0.73%	—	+1.47%
24	BSV	Vanguard Short-term Bond ETF	ETF-Other	0.67%	—	-0.05%
25	IUSB	Ishr Cr Unvrse Usd Bd Etf-ui	ETF-Other	0.67%	-1.82%	-77.56%
26	SUSC	Ishares Esg Aware Usd Corpor	ETF-Other	0.65%	—	+3.07%
27	FSEC	Fidelity Invest Grd Secur	ETF-Other	0.62%	+0.62%	NEW
28	EFV	Ishares Msci Eafe Value ETF	ETF-Other	0.61%	-1.12%	-71.82%
29	LCTU	Ishares U.s. Carbon Transiti	ETF-Other	0.59%	—	-8.81%
30	DYNF	Ishrs US E F R A Etf-usd INC	ETF-Other	0.55%	-1.72%	-79.05%
31	IVW	Ishares S&p 500 Growth ETF	ETF-Large Cap & Growth	0.53%	-1.38%	-74.67%
32	IVE	Ishares S&p 500 Value ETF	ETF-Large Cap & Growth	0.53%	-1.73%	-80.34%
33	EAGG	Ishares Esg Aware US Aggrega	ETF-Other	0.51%	—	+13.30%
34	DISV	Dimensional International Sm	ETF-Other	0.50%	—	-5.91%
35	VTI	Vanguard Total Stock Mkt ETF	ETF-Other	0.49%	—	-0.84%
36	SCHF	Schwab Intl Equity ETF	ETF-Other	0.49%	—	+37.23%
37	DFAE	Dimensional Emerging Core Eq	ETF-Emerging Markets	0.48%	—	-2.14%
38	VWO	Vanguard Ftse Emerging Marke	ETF-Emerging Markets	0.48%	—	-4.84%
39	FDEV	Fidelity Intl Multifact ETF	ETF-Other	0.48%	+0.48%	NEW
40	IEMG	Ishares Core Msci Emerging	ETF-Emerging Markets	0.46%	-1.28%	-79.00%
41	SCHG	Schwab US Large-cap Growth	ETF-Other	0.45%	+0.22%	+85.31%
42	IEFA	Ishares Core Msci Eafe ETF	ETF-Other	0.45%	—	+0.06%
43	VV	Vanguard Large-cap ETF	ETF-Other	0.43%	—	-8.13%
44	AVUV	Avantis US Small Cap Value	ETF-Small Cap	0.42%	—	—
45	FDRR	Fidelity Div ETF Rise Rates	ETF-Other	0.42%	+0.42%	NEW
46	SCHZ	Schwab US Aggregate Bond ETF	ETF-Other	0.42%	—	-10.31%
47	EFG	Ishares Msci Eafe Growth ETF	ETF-Other	0.40%	—	+1.02%
48	FCOR	Fidelity Corporate Bond ETF	ETF-Corp Bonds	0.39%	+0.39%	NEW
49	BNDX	Vanguard Total Intl Bond ETF	ETF-Other	0.38%	—	-3.01%
50	FIVA	Fidelity Intl Val Fact ETF	ETF-Other	0.37%	+0.37%	NEW

1–50 of 98

Portfolio Performance

Performance for Q3 2026

+3.4%

Performance Last 4 Quarters

+16.7%

Based on 56% of reported portfolio value with available pricing

Stdev: +7.5%
Beta: +0.49
Alpha: +1.6%
Max Drawdown: -4.1%
Annualized Perf: +10.9%
Batting Avg vs S&P: +47.2%
Sortino: +2.77
Stutzer: +0.41
Treynor: +0.22
Sterling: +0.81
Calmar: +2.67
Information Ratio: -1.01
Tracking Error: +7.7%
Stdev Down: +3.9%
Winning Months %: +72.2%
Losing Months %: +27.8%
Best 12 Months: +19.8%
Worst 12 Months: +5.7%
Efficiency Ratio: +0.53
Sharpe: +1.42
Stdev Sectors: +42.3%
Skewness: -0.16
Kurtosis: -0.43
Upside Potential: +4.38

Reported value over time

Sector allocation

Sector allocation over time

Quarterly history

Period	Holdings	Total value	Stability	Top holdings
2026-03-31	98	$192.8M	33	1DFAC 2DFCF 3FBND Top holdings2026-03-31 1.DFAC 2.DFCF 3.FBND 4.DFIC 5.DFSV 6.DUHP 7.DFSD 8.FLDR 9.DFEM 10.VTEB
2025-12-31	90	$232.0M	8	1DFAC 2DFCF 3FBND Top holdings2025-12-31 1.DFAC 2.DFCF 3.FBND 4.DFIC 5.DUHP 6.DFSV 7.IVV 8.DFSD 9.FLDR 10.IUSB
2025-09-30	92	$225.8M	29	1DFAC 2DFCF 3FBND Top holdings2025-09-30 1.DFAC 2.DFCF 3.FBND 4.DFIC 5.DUHP 6.DFSV 7.IVV 8.DFSD 9.IUSB 10.FLDR
2025-06-30	83	$201.1M	0	1DFAC 2DFCF 3FBND Top holdings2025-06-30 1.DFAC 2.DFCF 3.FBND 4.DFIC 5.DUHP 6.DFSV 7.DFSD 8.IVV 9.IUSB 10.FLDR
2025-03-31	76	$189.5M	0	1DFAC 2DFCF 3FBND Top holdings2025-03-31 1.DFAC 2.DFCF 3.FBND 4.DFIC 5.IVV 6.DFSD 7.DUHP 8.DFSV 9.IUSB 10.FLDR
2024-12-31	77	$187.9M	0	1DFAC 2DFCF 3FBND Top holdings2024-12-31 1.DFAC 2.DFCF 3.FBND 4.DFIC 5.IVV 6.DFSV 7.DFSD 8.DUHP 9.IUSB 10.FLDR
2024-09-30	68	$180.1M	0	1DFCF 2DFAC 3DFSD Top holdings2024-09-30 1.DFCF 2.DFAC 3.DFSD 4.DFIC 5.IVV 6.IUSB 7.DFSV 8.DUHP 9.AAPL 10.EFV
2024-06-30	69	$169.6M	0	1DFCF 2DFAC 3DFSD Top holdings2024-06-30 1.DFCF 2.DFAC 3.DFSD 4.DFIC 5.IVV 6.IUSB 7.DFSV 8.DUHP 9.VUG 10.AAPL
2024-03-31	69	$162.5M	0	1DFCF 2DFAC 3DFSD Top holdings2024-03-31 1.DFCF 2.DFAC 3.DFSD 4.IVV 5.DFIC 6.VUG 7.DFSV 8.VTV 9.DUHP 10.IUSB
2023-12-31	63	$152.8M	0	1DFCF 2DFAC 3IVV Top holdings2023-12-31 1.DFCF 2.DFAC 3.IVV 4.DFSD 5.DFSV 6.DUHP 7.IUSB 8.DFIC 9.DFAU 10.QUAL
2023-09-30	60	$130.9M	0	1DFCF 2DFAC 3DFSD Top holdings2023-09-30 1.DFCF 2.DFAC 3.DFSD 4.IVV 5.DUHP 6.DFIC 7.DFSV 8.IUSB 9.DFAU 10.DFAE
2023-06-30	48	$121.2M	0	1DFAC 2DFCF 3DFSD Top holdings2023-06-30 1.DFAC 2.DFCF 3.DFSD 4.IVV 5.DUHP 6.DFIC 7.DFSV 8.IUSB 9.DFAU 10.AAPL
2023-03-31	48	$112.7M	0	1DFAC 2DFCF 3DFSD Top holdings2023-03-31 1.DFAC 2.DFCF 3.DFSD 4.DFIC 5.DUHP 6.IVV 7.DFSV 8.DFAU 9.IUSB 10.ESGU
2022-12-31	51	$102.9M	0	1DFCF 2DFAC 3DFSD Top holdings2022-12-31 1.DFCF 2.DFAC 3.DFSD 4.DFIC 5.DUHP 6.DFSV 7.IVV 8.DFAU 9.ESGU 10.IUSB

Holding changes this quarter

RCS Financial Planning, LLC's most significant position changes for 2026-03-31: Sold out: Ishares Gold Trust (IAU); Sold out: Ishares Mbs ETF (MBB); Sold out: Marsh & Mclennan Cos (MRSH); New buy: Fidelity Invest Grd Secur (FSEC); Sold out: Ishares Flex I A Etf-usd INC (BINC).

Position changes disclosed by RCS Financial Planning, LLC for the quarter ending 2026-03-31, including ticker, issuer, weight change, shares change, and action
#	Ticker	Issuer	Weight Change	Shares Change	Action
1	DFAC	Dimensional US Core Equity 2	+1.7%	-3.31%	Trim
2	FBND	Fidelity Total Bond ETF	+1.7%	+4.05%	Add
3	DFSV	Dimensional US Small Cap Val	+1.2%	+0.93%	Add
4	MUB	Ishares National Muni Bond E	+0.6%	+50.54%	Add
5	DUHP	Dimensional US High Profi Et	+0.6%	-2.94%	Trim
6	VTV	Vanguard Value ETF	+0.4%	+16.66%	Add
7	SCHG	Schwab US Large-cap Growth	+0.2%	+85.31%	Add
8	VUG	Vanguard Growth ETF	+0.2%	+1.34%	Add
9	AAPL	Apple INC	0%	-11.51%	Trim
10	CRWD	Crowdstrike Holdings INC - A	0%	-1.73%	Trim
11	IYW	Ishares Ustechnology ETF	-0.1%	-43.97%	Trim
12	IAGG	Ishares Intl Aggregate Bond	-0.2%	-47.41%	Trim
13	BAI	Ishrs Ai In And Tech Act ETF	-0.6%	-80.20%	Trim
14	MTUM	Ishares Msci USA Momentum Fa	-0.6%	-82.09%	Trim
15	THRO	Ishares U.s. Thematic Rotati	-0.6%	-74.63%	Trim
16	QUAL	Ishares Msci USA Quality Fac	-0.7%	-54.40%	Trim
17	TLH	Ishares 10-20 Year Treasury	-0.8%	-84.69%	Trim
18	EFV	Ishares Msci Eafe Value ETF	-1.1%	-71.82%	Trim
19	IEMG	Ishares Core Msci Emerging	-1.3%	-79.00%	Trim
20	IVW	Ishares S&p 500 Growth ETF	-1.4%	-74.67%	Trim
21	OEF	Ishares S&p 100 ETF	-1.6%	-85.21%	Trim
22	DYNF	Ishrs US E F R A Etf-usd INC	-1.7%	-79.05%	Trim
23	IVE	Ishares S&p 500 Value ETF	-1.7%	-80.34%	Trim
24	IUSB	Ishr Cr Unvrse Usd Bd Etf-ui	-1.8%	-77.56%	Trim
25	IVV	Ishares Core S&p 500 ETF	-2.1%	-63.14%	Trim
26	IAU	Ishares Gold Trust	—	EXIT	Sold out
27	MBB	Ishares Mbs ETF	—	EXIT	Sold out
28	MRSH	Marsh & Mclennan Cos	—	EXIT	Sold out
29	FSEC	Fidelity Invest Grd Secur	—	NEW	New buy
30	BINC	Ishares Flex I A Etf-usd INC	—	EXIT	Sold out
31	FDEV	Fidelity Intl Multifact ETF	—	NEW	New buy
32	ITA	Ishares U.s. Aerospace & Def	—	EXIT	Sold out
33	FDRR	Fidelity Div ETF Rise Rates	—	NEW	New buy
34	FCOR	Fidelity Corporate Bond ETF	—	NEW	New buy
35	FIVA	Fidelity Intl Val Fact ETF	—	NEW	New buy
36	FDMO	Fidelity Momentum Factor ETF	—	NEW	New buy
37	QQQ	Invesco Qqq Trust Series 1	—	EXIT	Sold out
38	SPMO	Invesco S&p 500 Momentum ETF	—	NEW	New buy
39	FDVV	Fidelity High Dividend ETF	—	NEW	New buy
40	JBND	Jpmorgan Active Bond ETF	—	NEW	New buy
41	LMUB	Ishares Lt National Muni Bd	—	NEW	New buy
42	DFNM	Dimensional National Muni Bd	—	EXIT	Sold out
43	FQAL	Fidelity Quality Factor ETF	—	NEW	New buy
44	MSFT	Microsoft CORP	—	EXIT	Sold out
45	VGT	Vanguard Info Tech ETF	—	EXIT	Sold out
46	SPHB	Invesco S&p 500 High Beta Et	—	NEW	New buy
47	FLDB	Fidelity Low Durat Bnd ETF	—	NEW	New buy
48	BLCR	Ishares Lrg Cp Cr Act Etf-ui	—	NEW	New buy
49	RPV	Invesco S&p 500 Pure Value E	—	NEW	New buy
50	IVLU	Ishares Msci International V	—	EXIT	Sold out

Filing History

Period	Filed	Type	EDGAR
2026-03-31	2026-04-21	13F-HR	View on EDGAR
2025-12-31	2026-01-15	13F-HR	View on EDGAR
2025-09-30	2025-11-05	13F-HR	View on EDGAR
2025-06-30	2025-07-28	13F-HR	View on EDGAR
2025-03-31	2025-04-25	13F-HR	View on EDGAR
2024-12-31	2025-01-23	13F-HR	View on EDGAR
2024-09-30	2024-10-22	13F-HR	View on EDGAR
2024-06-30	2024-07-22	13F-HR	View on EDGAR
2024-03-31	2024-04-26	13F-HR	View on EDGAR
2023-12-31	2024-02-08	13F-HR	View on EDGAR
2023-09-30	2023-11-03	13F-HR	View on EDGAR
2023-06-30	2023-07-21	13F-HR	View on EDGAR
2023-03-31	2023-04-27	13F-HR	View on EDGAR
2022-12-31	2023-01-30	13F-HR	View on EDGAR

FAQ

What is RCS Financial Planning, LLC and what type of investor is it?

RCS Financial Planning, LLC is a investment manager that files SEC Form 13F quarterly, disclosing its U.S. public equity holdings to regulators. As of the most recent reporting period (2026-03-31), the firm manages a tracked equity portfolio valued at approximately $192.8M, spread across 98 disclosed positions.

What are RCS Financial Planning, LLC's largest equity positions?

Based on the latest 13F filing, RCS Financial Planning, LLC's top holdings by market value are: 1. Dimensional US Core Equity 2 (DFAC) — $26.5M (13.8%) 2. Dimensional Core Fixed INC (DFCF) — $17.4M (9.0%) 3. Fidelity Total Bond ETF (FBND) — $16.9M (8.8%) 4. Dimensional International Co (DFIC) — $10.8M (5.6%) 5. Dimensional US Small Cap Val (DFSV) — $10.4M (5.4%)

What changes did RCS Financial Planning, LLC make in its most recent portfolio filing?

In the latest reported quarter, RCS Financial Planning, LLC made 50 notable position adjustments: 15 new positions were initiated, 6 existing holdings were added to, 19 positions were partially reduced, and 10 were completely exited. The largest of these moves: Sold out: Ishares Gold Trust (IAU); Sold out: Ishares Mbs ETF (MBB); Sold out: Marsh & Mclennan Cos (MRSH); New buy: Fidelity Invest Grd Secur (FSEC); Sold out: Ishares Flex I A Etf-usd INC (BINC)

What sectors does RCS Financial Planning, LLC focus on?

RCS Financial Planning, LLC is concentrated in the following sectors based on its current disclosed equity portfolio: • Information Technology: 93.1% • Consumer Staples: 3.9% • Energy: 3.0%

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RCS Financial Planning, LLC 13F Holdings Overview (98 Positions)

CIK: 0001963347

Diversified strategySector-focusedMomentum follower

Total reported value

$192.8M

Reporting period: 2026-03-31 · Number of holdings: 98

RCS Financial Planning, LLC disclosed 98 holdings in its latest 13F filing for the period ending 2026-03-31, with total reported value of $192.8M and a quarterly turnover rate of 32.9%.

Browse other institutions with $100M to $1B AUM Browse other institutions starting with "R"

Personality snowflake

Concentration: 20.17
Portfolio Stability: 32.91
Momentum/Contrarian: 100
Sector conviction: 100
Diversification: 100
Sizing Uniformity: 80.04

Position sizes vary widely across the portfolio (a coefficient of variation of 2.00), with a handful of outsized bets alongside many smaller positions.

No strong tilt toward either adding to existing winners or initiating outsized new positions was observed in the latest reported quarter.

Recent moves

Trim IVV
-63.1%　-$5.4M
Trim IUSB
-77.6%　-$4.5M
Trim IVE
-80.3%　-$4.2M
Trim DYNF
-79.1%　-$4.2M
Add DFAC
-3.3%　-$1.4M
Add FBND
+4.1%　$476.2K

Holdings Map

New buyAddUnchangedTrim

Top 10 holdings by weight

Full holdings list this quarter

#	Ticker	Issuer	Asset Subclass	Weight	Weight Change	Shares Change
1	DFAC	Dimensional US Core Equity 2	ETF-Other	13.77%	+1.72%	-3.31%
2	DFCF	Dimensional Core Fixed INC	ETF-Other	9.03%	—	+2.20%
3	FBND	Fidelity Total Bond ETF	ETF-Other	8.75%	+1.68%	+4.05%
4	DFIC	Dimensional International Co	ETF-Other	5.60%	—	-2.44%
5	DFSV	Dimensional US Small Cap Val	ETF-Small Cap	5.38%	+1.22%	+0.93%
6	DUHP	Dimensional US High Profi Et	ETF-Other	4.93%	+0.56%	-2.94%
7	DFSD	Dimensional Short Duration	ETF-Other	4.04%	—	+2.15%
8	FLDR	Fidelity Low Durat Fact ETF	ETF-Other	3.20%	—	+1.41%
9	DFEM	Dimensional Emrg Mrkt Core	ETF-Other	2.90%	—	-1.64%
10	VTEB	Vanguard Tax-exempt Bond ETF	ETF-Other	2.43%	—	-4.33%
11	VUG	Vanguard Growth ETF	ETF-Other	1.78%	+0.15%	+1.34%
12	AAPL	Apple INC	Stock-Tech	1.73%	-0.01%	-11.51%
13	CRWD	Crowdstrike Holdings INC - A	Stock-Tech	1.59%	-0.02%	-1.73%
14	AVDV	Avantis Intl S/c Value ETF	ETF-Other	1.55%	—	-8.73%
15	IVV	Ishares Core S&p 500 ETF	ETF-Large Cap & Growth	1.52%	-2.06%	-63.14%
16	VTV	Vanguard Value ETF	ETF-Other	1.29%	+0.39%	+16.66%
17	MUB	Ishares National Muni Bond E	ETF-Other	1.28%	+0.56%	+50.54%
18	DFAU	Dimensional US Core Equity M	ETF-Other	1.19%	—	-3.46%
19	VEA	Vanguard Ftse Developed ETF	ETF-Other	1.09%	—	-9.54%
20	DFAR	Dimensional US Real Est ETF	ETF-Other	0.84%	—	-0.71%
21	ESGU	Ishares Esg Aware Msci USA	ETF-Other	0.78%	—	-1.18%
22	QUAL	Ishares Msci USA Quality Fac	ETF-Other	0.75%	-0.67%	-54.40%
23	SUB	Ishares Short-term National	ETF-Other	0.73%	—	+1.47%
24	BSV	Vanguard Short-term Bond ETF	ETF-Other	0.67%	—	-0.05%
25	IUSB	Ishr Cr Unvrse Usd Bd Etf-ui	ETF-Other	0.67%	-1.82%	-77.56%
26	SUSC	Ishares Esg Aware Usd Corpor	ETF-Other	0.65%	—	+3.07%
27	FSEC	Fidelity Invest Grd Secur	ETF-Other	0.62%	+0.62%	NEW
28	EFV	Ishares Msci Eafe Value ETF	ETF-Other	0.61%	-1.12%	-71.82%
29	LCTU	Ishares U.s. Carbon Transiti	ETF-Other	0.59%	—	-8.81%
30	DYNF	Ishrs US E F R A Etf-usd INC	ETF-Other	0.55%	-1.72%	-79.05%
31	IVW	Ishares S&p 500 Growth ETF	ETF-Large Cap & Growth	0.53%	-1.38%	-74.67%
32	IVE	Ishares S&p 500 Value ETF	ETF-Large Cap & Growth	0.53%	-1.73%	-80.34%
33	EAGG	Ishares Esg Aware US Aggrega	ETF-Other	0.51%	—	+13.30%
34	DISV	Dimensional International Sm	ETF-Other	0.50%	—	-5.91%
35	VTI	Vanguard Total Stock Mkt ETF	ETF-Other	0.49%	—	-0.84%
36	SCHF	Schwab Intl Equity ETF	ETF-Other	0.49%	—	+37.23%
37	DFAE	Dimensional Emerging Core Eq	ETF-Emerging Markets	0.48%	—	-2.14%
38	VWO	Vanguard Ftse Emerging Marke	ETF-Emerging Markets	0.48%	—	-4.84%
39	FDEV	Fidelity Intl Multifact ETF	ETF-Other	0.48%	+0.48%	NEW
40	IEMG	Ishares Core Msci Emerging	ETF-Emerging Markets	0.46%	-1.28%	-79.00%
41	SCHG	Schwab US Large-cap Growth	ETF-Other	0.45%	+0.22%	+85.31%
42	IEFA	Ishares Core Msci Eafe ETF	ETF-Other	0.45%	—	+0.06%
43	VV	Vanguard Large-cap ETF	ETF-Other	0.43%	—	-8.13%
44	AVUV	Avantis US Small Cap Value	ETF-Small Cap	0.42%	—	—
45	FDRR	Fidelity Div ETF Rise Rates	ETF-Other	0.42%	+0.42%	NEW
46	SCHZ	Schwab US Aggregate Bond ETF	ETF-Other	0.42%	—	-10.31%
47	EFG	Ishares Msci Eafe Growth ETF	ETF-Other	0.40%	—	+1.02%
48	FCOR	Fidelity Corporate Bond ETF	ETF-Corp Bonds	0.39%	+0.39%	NEW
49	BNDX	Vanguard Total Intl Bond ETF	ETF-Other	0.38%	—	-3.01%
50	FIVA	Fidelity Intl Val Fact ETF	ETF-Other	0.37%	+0.37%	NEW

1–50 of 98

Portfolio Performance

Performance for Q3 2026

+3.4%

Performance Last 4 Quarters

+16.7%

Based on 56% of reported portfolio value with available pricing

Stdev: +7.5%
Beta: +0.49
Alpha: +1.6%
Max Drawdown: -4.1%
Annualized Perf: +10.9%
Batting Avg vs S&P: +47.2%
Sortino: +2.77
Stutzer: +0.41
Treynor: +0.22
Sterling: +0.81
Calmar: +2.67
Information Ratio: -1.01
Tracking Error: +7.7%
Stdev Down: +3.9%
Winning Months %: +72.2%
Losing Months %: +27.8%
Best 12 Months: +19.8%
Worst 12 Months: +5.7%
Efficiency Ratio: +0.53
Sharpe: +1.42
Stdev Sectors: +42.3%
Skewness: -0.16
Kurtosis: -0.43
Upside Potential: +4.38

Reported value over time

Sector allocation

Sector allocation over time

Quarterly history

Period	Holdings	Total value	Stability	Top holdings
2026-03-31	98	$192.8M	33	1DFAC 2DFCF 3FBND Top holdings2026-03-31 1.DFAC 2.DFCF 3.FBND 4.DFIC 5.DFSV 6.DUHP 7.DFSD 8.FLDR 9.DFEM 10.VTEB
2025-12-31	90	$232.0M	8	1DFAC 2DFCF 3FBND Top holdings2025-12-31 1.DFAC 2.DFCF 3.FBND 4.DFIC 5.DUHP 6.DFSV 7.IVV 8.DFSD 9.FLDR 10.IUSB
2025-09-30	92	$225.8M	29	1DFAC 2DFCF 3FBND Top holdings2025-09-30 1.DFAC 2.DFCF 3.FBND 4.DFIC 5.DUHP 6.DFSV 7.IVV 8.DFSD 9.IUSB 10.FLDR
2025-06-30	83	$201.1M	0	1DFAC 2DFCF 3FBND Top holdings2025-06-30 1.DFAC 2.DFCF 3.FBND 4.DFIC 5.DUHP 6.DFSV 7.DFSD 8.IVV 9.IUSB 10.FLDR
2025-03-31	76	$189.5M	0	1DFAC 2DFCF 3FBND Top holdings2025-03-31 1.DFAC 2.DFCF 3.FBND 4.DFIC 5.IVV 6.DFSD 7.DUHP 8.DFSV 9.IUSB 10.FLDR
2024-12-31	77	$187.9M	0	1DFAC 2DFCF 3FBND Top holdings2024-12-31 1.DFAC 2.DFCF 3.FBND 4.DFIC 5.IVV 6.DFSV 7.DFSD 8.DUHP 9.IUSB 10.FLDR
2024-09-30	68	$180.1M	0	1DFCF 2DFAC 3DFSD Top holdings2024-09-30 1.DFCF 2.DFAC 3.DFSD 4.DFIC 5.IVV 6.IUSB 7.DFSV 8.DUHP 9.AAPL 10.EFV
2024-06-30	69	$169.6M	0	1DFCF 2DFAC 3DFSD Top holdings2024-06-30 1.DFCF 2.DFAC 3.DFSD 4.DFIC 5.IVV 6.IUSB 7.DFSV 8.DUHP 9.VUG 10.AAPL
2024-03-31	69	$162.5M	0	1DFCF 2DFAC 3DFSD Top holdings2024-03-31 1.DFCF 2.DFAC 3.DFSD 4.IVV 5.DFIC 6.VUG 7.DFSV 8.VTV 9.DUHP 10.IUSB
2023-12-31	63	$152.8M	0	1DFCF 2DFAC 3IVV Top holdings2023-12-31 1.DFCF 2.DFAC 3.IVV 4.DFSD 5.DFSV 6.DUHP 7.IUSB 8.DFIC 9.DFAU 10.QUAL
2023-09-30	60	$130.9M	0	1DFCF 2DFAC 3DFSD Top holdings2023-09-30 1.DFCF 2.DFAC 3.DFSD 4.IVV 5.DUHP 6.DFIC 7.DFSV 8.IUSB 9.DFAU 10.DFAE
2023-06-30	48	$121.2M	0	1DFAC 2DFCF 3DFSD Top holdings2023-06-30 1.DFAC 2.DFCF 3.DFSD 4.IVV 5.DUHP 6.DFIC 7.DFSV 8.IUSB 9.DFAU 10.AAPL
2023-03-31	48	$112.7M	0	1DFAC 2DFCF 3DFSD Top holdings2023-03-31 1.DFAC 2.DFCF 3.DFSD 4.DFIC 5.DUHP 6.IVV 7.DFSV 8.DFAU 9.IUSB 10.ESGU
2022-12-31	51	$102.9M	0	1DFCF 2DFAC 3DFSD Top holdings2022-12-31 1.DFCF 2.DFAC 3.DFSD 4.DFIC 5.DUHP 6.DFSV 7.IVV 8.DFAU 9.ESGU 10.IUSB

Holding changes this quarter

Position changes disclosed by RCS Financial Planning, LLC for the quarter ending 2026-03-31, including ticker, issuer, weight change, shares change, and action
#	Ticker	Issuer	Weight Change	Shares Change	Action
1	DFAC	Dimensional US Core Equity 2	+1.7%	-3.31%	Trim
2	FBND	Fidelity Total Bond ETF	+1.7%	+4.05%	Add
3	DFSV	Dimensional US Small Cap Val	+1.2%	+0.93%	Add
4	MUB	Ishares National Muni Bond E	+0.6%	+50.54%	Add
5	DUHP	Dimensional US High Profi Et	+0.6%	-2.94%	Trim
6	VTV	Vanguard Value ETF	+0.4%	+16.66%	Add
7	SCHG	Schwab US Large-cap Growth	+0.2%	+85.31%	Add
8	VUG	Vanguard Growth ETF	+0.2%	+1.34%	Add
9	AAPL	Apple INC	0%	-11.51%	Trim
10	CRWD	Crowdstrike Holdings INC - A	0%	-1.73%	Trim
11	IYW	Ishares Ustechnology ETF	-0.1%	-43.97%	Trim
12	IAGG	Ishares Intl Aggregate Bond	-0.2%	-47.41%	Trim
13	BAI	Ishrs Ai In And Tech Act ETF	-0.6%	-80.20%	Trim
14	MTUM	Ishares Msci USA Momentum Fa	-0.6%	-82.09%	Trim
15	THRO	Ishares U.s. Thematic Rotati	-0.6%	-74.63%	Trim
16	QUAL	Ishares Msci USA Quality Fac	-0.7%	-54.40%	Trim
17	TLH	Ishares 10-20 Year Treasury	-0.8%	-84.69%	Trim
18	EFV	Ishares Msci Eafe Value ETF	-1.1%	-71.82%	Trim
19	IEMG	Ishares Core Msci Emerging	-1.3%	-79.00%	Trim
20	IVW	Ishares S&p 500 Growth ETF	-1.4%	-74.67%	Trim
21	OEF	Ishares S&p 100 ETF	-1.6%	-85.21%	Trim
22	DYNF	Ishrs US E F R A Etf-usd INC	-1.7%	-79.05%	Trim
23	IVE	Ishares S&p 500 Value ETF	-1.7%	-80.34%	Trim
24	IUSB	Ishr Cr Unvrse Usd Bd Etf-ui	-1.8%	-77.56%	Trim
25	IVV	Ishares Core S&p 500 ETF	-2.1%	-63.14%	Trim
26	IAU	Ishares Gold Trust	—	EXIT	Sold out
27	MBB	Ishares Mbs ETF	—	EXIT	Sold out
28	MRSH	Marsh & Mclennan Cos	—	EXIT	Sold out
29	FSEC	Fidelity Invest Grd Secur	—	NEW	New buy
30	BINC	Ishares Flex I A Etf-usd INC	—	EXIT	Sold out
31	FDEV	Fidelity Intl Multifact ETF	—	NEW	New buy
32	ITA	Ishares U.s. Aerospace & Def	—	EXIT	Sold out
33	FDRR	Fidelity Div ETF Rise Rates	—	NEW	New buy
34	FCOR	Fidelity Corporate Bond ETF	—	NEW	New buy
35	FIVA	Fidelity Intl Val Fact ETF	—	NEW	New buy
36	FDMO	Fidelity Momentum Factor ETF	—	NEW	New buy
37	QQQ	Invesco Qqq Trust Series 1	—	EXIT	Sold out
38	SPMO	Invesco S&p 500 Momentum ETF	—	NEW	New buy
39	FDVV	Fidelity High Dividend ETF	—	NEW	New buy
40	JBND	Jpmorgan Active Bond ETF	—	NEW	New buy
41	LMUB	Ishares Lt National Muni Bd	—	NEW	New buy
42	DFNM	Dimensional National Muni Bd	—	EXIT	Sold out
43	FQAL	Fidelity Quality Factor ETF	—	NEW	New buy
44	MSFT	Microsoft CORP	—	EXIT	Sold out
45	VGT	Vanguard Info Tech ETF	—	EXIT	Sold out
46	SPHB	Invesco S&p 500 High Beta Et	—	NEW	New buy
47	FLDB	Fidelity Low Durat Bnd ETF	—	NEW	New buy
48	BLCR	Ishares Lrg Cp Cr Act Etf-ui	—	NEW	New buy
49	RPV	Invesco S&p 500 Pure Value E	—	NEW	New buy
50	IVLU	Ishares Msci International V	—	EXIT	Sold out

Filing History

Period	Filed	Type	EDGAR
2026-03-31	2026-04-21	13F-HR	View on EDGAR
2025-12-31	2026-01-15	13F-HR	View on EDGAR
2025-09-30	2025-11-05	13F-HR	View on EDGAR
2025-06-30	2025-07-28	13F-HR	View on EDGAR
2025-03-31	2025-04-25	13F-HR	View on EDGAR
2024-12-31	2025-01-23	13F-HR	View on EDGAR
2024-09-30	2024-10-22	13F-HR	View on EDGAR
2024-06-30	2024-07-22	13F-HR	View on EDGAR
2024-03-31	2024-04-26	13F-HR	View on EDGAR
2023-12-31	2024-02-08	13F-HR	View on EDGAR
2023-09-30	2023-11-03	13F-HR	View on EDGAR
2023-06-30	2023-07-21	13F-HR	View on EDGAR
2023-03-31	2023-04-27	13F-HR	View on EDGAR
2022-12-31	2023-01-30	13F-HR	View on EDGAR

FAQ

What is RCS Financial Planning, LLC and what type of investor is it?

What are RCS Financial Planning, LLC's largest equity positions?

What changes did RCS Financial Planning, LLC make in its most recent portfolio filing?

What sectors does RCS Financial Planning, LLC focus on?

RCS Financial Planning, LLC is concentrated in the following sectors based on its current disclosed equity portfolio: • Information Technology: 93.1% • Consumer Staples: 3.9% • Energy: 3.0%