RF
Reality Financial Planning Services, LLC 13F Holdings (18 Positions, Q2 2026)
Reality Financial Planning Services, LLCCIK: 0002110687
Sector-focusedMomentum followerQuality / disciplined sizing
Total reported value
$103.6M
Reporting period: 2026-06-30 · Number of holdings: 18
Reality Financial Planning Services, LLC disclosed 18 holdings in its latest 13F filing for the period ending 2026-06-30, with total reported value of $103.6M and a quarterly turnover rate of 10.1%.
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Personality snowflake
- Concentration
- 49.84
- Portfolio Stability
- 10.11
- Momentum
- 100
- Sector conviction
- 100
- Diversification
- 36
- Sizing Uniformity
- 88.53
Reality Financial Planning Services, LLC's disclosed holdings carry a Herfindahl concentration index of 0.125 — mathematically equivalent to about 8 equally-sized positions, well below its 18 actual disclosed holdings. That gap points to a strategy built around a small core of high-conviction bets rather than broad diversification.
Position sizes are fairly uniform across the portfolio (a coefficient of variation of 1.15), suggesting a disciplined, rules-based approach to how much capital goes into each idea.
Recent activity leans toward adding more aggressively to already-large existing positions than to newly initiated ones (a 2.5 percentage-point tilt) — a pattern consistent with a momentum-following approach.
Sector classification currently covers about 1% 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.
Source and citation information
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Recent moves
View source Form 13F filing on SEC.govTrim VTI
-20.7% -$1.9M
Add VIG
-0.9% $1.6M
Trim VXUS
-51.5% -$1.3M
Add IVV
-1.3% $1.1M
Add USFR
+13.3% $952.7K
Sold out MUNI
Holdings Map
New buyAddUnchangedTrim
Top 10 holdings by weight
Full holdings list this quarter
| # | Ticker | Issuer | Asset Subclass | Weight | Weight Change | Shares Change | 4Q Trend |
|---|---|---|---|---|---|---|---|
| 1 | VTI | Vanguard Total Stock Mkt ETF | ETF-Other | 19.69% | -1.85% | -20.74% | |
| 2 | VIG | Vanguard Dividend Apprec ETF | ETF-Other | 18.18% | +1.51% | -0.94% | |
| 3 | VYM | Vanguard High Dvd Yield ETF | ETF-Other | 16.61% | -0.20% | -7.42% | |
| 4 | IVV | Ishares Core S&p 500 ETF | ETF-Large Cap & Growth | 9.17% | +1.06% | -1.34% | |
| 5 | USFR | Wisdomtree Floating Rate Tre | ETF-Other | 7.84% | +0.92% | +13.26% | |
| 6 | BND | Vanguard Total Bond Market | ETF-Other | 7.09% | -0.33% | -4.17% | |
| 7 | QQQ | Invesco Qqq Trust Series 1 | ETF-Tech | 3.65% | +0.58% | -6.82% | |
| 8 | VOO | Vanguard S&p 500 ETF | ETF-Large Cap & Growth | 3.55% | +0.47% | +0.11% | |
| 9 | VPU | Vanguard Utilities ETF | ETF-Other | 3.30% | -0.34% | -8.24% | |
| 10 | USMV | Ishares Msci USA Min Vol Fac | ETF-Other | 3.19% | -0.16% | -8.48% | |
| 11 | SCHO | Schwab Short-term US Treas | ETF-Other | 1.72% | +0.15% | +10.30% | |
| 12 | VXUS | Vanguard Total Intl Stock | ETF-Other | 1.47% | -1.26% | -51.46% | |
| 13 | SDY | Ss Spdr S&p Dividend ETF | ETF-Other | 1.07% | +0.04% | — | |
| 14 | DVY | Ishares Select Dividend ETF | ETF-Other | 0.95% | +0.03% | — | |
| 15 | VNQ | Vanguard Real Estate ETF | ETF-Other | 0.91% | -0.02% | -10.38% | |
| 16 | QQQM | Invesco Nasdaq 100 ETF | ETF-Tech | 0.89% | +0.21% | +2.29% | |
| 17 | AAPL | Apple Inc | Stock-Tech | 0.38% | +0.06% | +2.26% | |
| 18 | JPM | Jpmorgan Chase & Co | Stock-Financials | 0.35% | +0.04% | — |
Portfolio Performance
Performance for Q3 2026
+2.3%
Performance Last 4 Quarters
+7.8%
- Stdev
- +12.7%
- Beta
- +0.67
- Alpha
- -0.7%
- Max Drawdown
- 0%
- Annualized Perf
- +16.2%
- Batting Avg vs S&P
- +50%
- Sortino
- +2.65
- Stutzer
- +0.4
- Treynor
- +0.24
- Sterling
- —
- Calmar
- —
- Information Ratio
- -1.37
- Tracking Error
- +6.5%
- Stdev Down
- +6%
- Winning Months %
- +83.3%
- Losing Months %
- +16.7%
- Best 12 Months
- —
- Worst 12 Months
- —
- Efficiency Ratio
- +0.48
- Sharpe
- +1.25
- Stdev Sectors
- +2.1%
- Skewness
- 0
- Kurtosis
- -0.49
- Upside Potential
- +4.07
Reported value over time
Sector allocation
Sector allocation over time
Quarterly history
Holding changes this quarter
Reality Financial Planning Services, LLC's most significant position changes for 2026-06-30: Sold out: Pimco Intermediate Municipal (MUNI); Sold out: Microsoft CORP (MSFT); Trim: Vanguard Total Stock Mkt ETF (VTI) — shares -20.74%; Trim: Vanguard Dividend Apprec ETF (VIG) — shares -0.94%; Trim: Vanguard Total Intl Stock (VXUS) — shares -51.46%.
| # | Ticker | Issuer | Weight Change | Shares Change | Action |
|---|---|---|---|---|---|
| 1 | VIG | Vanguard Dividend Apprec ETF | +1.5% | -0.94% | Trim |
| 2 | IVV | Ishares Core S&p 500 ETF | +1.1% | -1.34% | Trim |
| 3 | USFR | Wisdomtree Floating Rate Tre | +0.9% | +13.26% | Add |
| 4 | QQQ | Invesco Qqq Trust Series 1 | +0.6% | -6.82% | Trim |
| 5 | VOO | Vanguard S&p 500 ETF | +0.5% | +0.11% | Add |
| 6 | QQQM | Invesco Nasdaq 100 ETF | +0.2% | +2.29% | Add |
| 7 | SCHO | Schwab Short-term US Treas | +0.2% | +10.30% | Add |
| 8 | AAPL | Apple Inc | +0.1% | +2.26% | Add |
| 9 | SDY | Ss Spdr S&p Dividend ETF | 0% | — | Unchanged |
| 10 | JPM | Jpmorgan Chase & Co | 0% | — | Unchanged |
| 11 | DVY | Ishares Select Dividend ETF | 0% | — | Unchanged |
| 12 | VNQ | Vanguard Real Estate ETF | 0% | -10.38% | Trim |
| 13 | USMV | Ishares Msci USA Min Vol Fac | -0.2% | -8.48% | Trim |
| 14 | VYM | Vanguard High Dvd Yield ETF | -0.2% | -7.42% | Trim |
| 15 | MSFT | Microsoft CORP | -0.2% | EXIT | Sold out |
| 16 | BND | Vanguard Total Bond Market | -0.3% | -4.17% | Trim |
| 17 | VPU | Vanguard Utilities ETF | -0.3% | -8.24% | Trim |
| 18 | MUNI | Pimco Intermediate Municipal | -0.7% | EXIT | Sold out |
| 19 | VXUS | Vanguard Total Intl Stock | -1.3% | -51.46% | Trim |
| 20 | VTI | Vanguard Total Stock Mkt ETF | -1.9% | -20.74% | Trim |
Filing History
FAQ
What is Reality Financial Planning Services, LLC and what type of investor is it?
Reality Financial Planning Services, LLC is an investment manager that files SEC Form 13F quarterly, disclosing its U.S. public equity holdings to regulators. As of the most recent reporting period (2026-06-30), the firm manages a tracked equity portfolio valued at approximately $103.6M, spread across 18 disclosed positions.
What are Reality Financial Planning Services, LLC's largest equity positions?
Based on the latest 13F filing, Reality Financial Planning Services, LLC's top holdings by market value are:
1. Vanguard Total Stock Mkt ETF (VTI) — $20.4M (19.7%)
2. Vanguard Dividend Apprec ETF (VIG) — $18.8M (18.2%)
3. Vanguard High Dvd Yield ETF (VYM) — $17.2M (16.6%)
4. Ishares Core S&p 500 ETF (IVV) — $9.5M (9.2%)
5. Wisdomtree Floating Rate Tre (USFR) — $8.1M (7.8%)
What changes did Reality Financial Planning Services, LLC make in its most recent portfolio filing?
In the latest reported quarter, Reality Financial Planning Services, LLC made 17 notable position adjustments: 0 new positions were initiated, 5 existing holdings were added to, 10 positions were partially reduced, and 2 were completely exited. The largest of these moves: Sold out: Pimco Intermediate Municipal (MUNI); Sold out: Microsoft CORP (MSFT); Trim: Vanguard Total Stock Mkt ETF (VTI) — shares -20.74%; Trim: Vanguard Dividend Apprec ETF (VIG) — shares -0.94%; Trim: Vanguard Total Intl Stock (VXUS) — shares -51.46%
What sectors does Reality Financial Planning Services, LLC focus on?
Reality Financial Planning Services, LLC is concentrated in the following sectors based on its current disclosed equity portfolio:
• Information Technology: 52.1%
• Financials: 47.9%
Investment Profile
Reality Financial Planning Services, LLC returned an annualized 16.2% over the trailing 6 months — underperforming the S&P 500 by 0.7 points — based on a reconstructed track record of its disclosed 13F positions, with a beta of 0.67 (less volatile than the market) and a 50% quarterly batting average against the index.
Its portfolio is moderately concentrated and long-term-holding, with 52.1% of the portfolio concentrated in Information Technology.
It has added to its USFR position over the past two quarters (+$1.7M, now $8.1M), while trimming VTI over the same stretch (-$3.3M, still holding $20.4M).
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Developer Access
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