CIK: 0001962532
Total reported value
$349.8M
Reporting period: 2026-03-31 · Number of holdings: 53
RETIREMENT FINANCIAL SOLUTIONS, LLC disclosed 53 holdings in its latest 13F filing for the period ending 2026-03-31, with total reported value of $349.8M and a quarterly turnover rate of 31.3%.
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Retirement Financial Solutions, LLC's disclosed holdings carry a Herfindahl concentration index of 0.046 — mathematically equivalent to about 22 equally-sized positions, well below its 53 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 1.21), 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 0% 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.
Trim QQQM
-62.0% -$11.3M
Trim SPMD
-48.1% -$10.1M
Add BCI
+2484.8% $10.6M
Trim DIA
-31.9% -$5.9M
Trim IEF
-30.7% -$5.4M
Add AVUV
+0.7% $2.0M
| # | Ticker | Issuer | Asset Subclass | Weight | Weight Change | Shares Change | 4Q Trend |
|---|---|---|---|---|---|---|---|
| 1 | AVUS | Avantis U.s. Equity ETF | ETF-Other | 10.68% | -0.22% | +0.83% | |
| 2 | AVUV | Avantis US Small Cap Value | ETF-Small Cap | 6.78% | +0.42% | +0.73% | |
| 3 | AVSC | Avantis US Small Cap Equity | ETF-Small Cap | 6.71% | +0.35% | +1.88% | |
| 4 | SPYM | Ste Str Spdr Pt S&p 500 ETF | ETF-Large Cap & Growth | 6.02% | -0.32% | +2.02% | |
| 5 | VGLT | Vanguard Long-term Treasury | ETF-Gov Bonds | 5.04% | -0.11% | +0.94% | |
| 6 | QQQJ | Invesco Nasdaq Next Gen 100 | ETF-Tech | 4.72% | -0.07% | +2.67% | |
| 7 | VWO | Vanguard Ftse Emerging Marke | ETF-Emerging Markets | 4.64% | +0.03% | +2.47% | |
| 8 | SCHD | Schwab US Dvd Equity ETF | ETF-Other | 4.13% | +0.22% | -3.48% | |
| 9 | IEF | Ishares 7-10 Year Treasury B | ETF-Gov Bonds | 3.41% | -1.67% | -30.68% | |
| 10 | AVEM | Avantis Emerging Markets Eq | ETF-Emerging Markets | 3.33% | +0.10% | +1.06% | |
| 11 | MOO | Vaneck Agribusiness ETF | ETF-Other | 3.32% | +3.32% | NEW | |
| 12 | SPMD | Ss Spdr P S&p 400 Midcap ETF | ETF-Other | 3.27% | -3.04% | -48.12% | |
| 13 | RSP | Invesco S&p 500 Equal Weight | ETF-Large Cap & Growth | 3.23% | -0.03% | +1.16% | |
| 14 | GRNY | Fundstr Gran Sh US Lrg Cap | ETF-Other | 3.22% | +3.22% | NEW | |
| 15 | DIA | Ss Spdr Dow Jones Indus Avg | ETF-Large Cap & Growth | 3.19% | -1.79% | -31.94% | |
| 16 | MGC | Vanguard Mega Cap ETF | ETF-Other | 3.19% | -0.20% | +2.52% | |
| 17 | BCI | Abrdn Bloomberg All Commodit | ETF-Other | 3.12% | +3.02% | +2484.82% | |
| 18 | VEU | Vanguard Ftse All-world Ex-u | ETF-Other | 3.08% | +3.08% | NEW | |
| 19 | RSPA | Invesco S&p 500 Ew Income Ad | ETF-Large Cap & Growth | 2.67% | — | +1.96% | |
| 20 | QQQM | Invesco Nasdaq 100 ETF | ETF-Tech | 1.79% | -3.35% | -62.04% | |
| 21 | SCHP | Schwab U.s. Tips ETF | ETF-Other | 1.71% | +1.71% | NEW | |
| 22 | RWL | Invesco S&p 500 Revenue ETF | ETF-Large Cap & Growth | 1.67% | -0.03% | +0.07% | |
| 23 | SPYV | Ss Spdr P S&p 500 Value ETF | ETF-Large Cap & Growth | 1.66% | -0.01% | +2.02% | |
| 24 | SPYG | Ss Spdr P S&p 500 Growth ETF | ETF-Large Cap & Growth | 1.61% | -0.10% | +4.81% | |
| 25 | VGSH | Vanguard Short-term Treasury | ETF-Gov Bonds | 1.53% | -0.17% | -7.72% | |
| 26 | EDV | Vanguard Extended Dur Treas | ETF-Other | 1.26% | -0.01% | +1.46% | |
| 27 | VOO | Vanguard S&p 500 ETF | ETF-Large Cap & Growth | 0.55% | -0.06% | -4.34% | |
| 28 | VNQ | Vanguard Real Estate ETF | ETF-Other | 0.42% | -0.02% | -2.30% | |
| 29 | IAUM | Ishares Gold Trust Micro | ETF-Commodities | 0.37% | — | -8.29% | |
| 30 | VXUS | Vanguard Total Intl Stock | ETF-Other | 0.36% | — | +0.11% | |
| 31 | BTC | Grayscale Bitcoin Mini ETF | ETF-Crypto | 0.31% | -0.01% | +25.47% | |
| 32 | VOE | Vanguard Mid-cap Value ETF | ETF-Other | 0.28% | — | +0.54% | |
| 33 | BPRE | Bluerock Private Real Estate | Stock-Financials | 0.24% | +0.02% | -1.54% | |
| 34 | VCIT | Vanguard Int-term Corporate | ETF-Corp Bonds | 0.22% | -0.17% | -41.27% | |
| 35 | DBMF | Imgp Dbi Managed Futures Str | ETF-Other | 0.22% | +0.01% | -3.86% | |
| 36 | AMLP | Alerian Mlp ETF | ETF-Other | 0.21% | — | -11.07% | |
| 37 | VONE | Vanguard Russell 1000 | ETF-Other | 0.21% | -0.01% | +0.28% | |
| 38 | ETH | Grayscale Ethereum Staking M | ETF-Other | 0.21% | -0.01% | +38.22% | |
| 39 | VTI | Vanguard Total Stock Mkt ETF | ETF-Other | 0.17% | -0.01% | +0.32% | |
| 40 | NVDA | Nvidia CORP | Stock-Tech | 0.16% | -0.01% | +3.83% | |
| 41 | VO | Vanguard Mid-cap ETF | ETF-Other | 0.13% | — | +4.21% | |
| 42 | VBR | Vanguard Small-cap Value ETF | ETF-Other | 0.13% | — | +0.55% | |
| 43 | SIVR | Abrdn Physical Silver Shares | ETF-Commodities | 0.11% | -0.02% | -14.81% | |
| 44 | QQA | Invesco Qqq Income Adv ETF | ETF-Other | 0.10% | -0.01% | +2.09% | |
| 45 | SPSM | Ss Spdr P S&p 600 Small Cap | ETF-Small Cap | 0.10% | — | +0.33% | |
| 46 | XOM | Exxon Mobil CORP | Stock-Energy | 0.09% | +0.09% | NEW | |
| 47 | IBM | Intl Business Machines CORP | Stock-Tech | 0.09% | +0.09% | NEW | |
| 48 | HEDJ | Wisdomtree Europe Hedged Equ | ETF-Other | 0.07% | — | — | |
| 49 | BP | Bp Plc-spons Adr | Stock-Energy | 0.06% | +0.06% | NEW | |
| 50 | TSLA | Tesla INC | Stock-Consumer Disc | 0.06% | -0.02% | — |
Performance for Q3 2026
+3.4%
Performance Last 4 Quarters
+20.7%
Based on 85% of reported portfolio value with available pricing
| Period | Holdings | Total value | Stability | Top holdings |
|---|---|---|---|---|
| 2026-03-31 | 53 | $349.8M | 31 | |
| 2025-12-31 | 47 | $341.6M | 42 | |
| 2025-09-30 | 45 | $319.5M | 92 | |
| 2025-06-30 | 38 | $284.1M | 12 | |
| 2025-03-31 | 37 | $256.9M | 0 | |
| 2024-12-31 | 37 | $185.5M | 0 | |
| 2024-09-30 | 40 | $228.4M | 0 | |
| 2024-06-30 | 40 | $212.5M | 0 | |
| 2024-03-31 | 40 | $194.5M | 0 | |
| 2023-12-31 | 47 | $176.5M | 0 | |
| 2023-09-30 | 87 | $148.3M | 0 | |
| 2023-06-30 | 34 | $145.6M | 0 | |
| 2023-03-31 | 31 | $125.8M | 0 | |
| 2022-12-31 | 277 | $117.7M | 0 |
Retirement Financial Solutions, LLC's most significant position changes for 2026-03-31: New buy: Vaneck Agribusiness ETF (MOO); New buy: Fundstr Gran Sh US Lrg Cap (GRNY); New buy: Vanguard Ftse All-world Ex-u (VEU); New buy: Schwab U.s. Tips ETF (SCHP); Sold out: Wisdomtree US Large Cap Fund (EPS).
| Period | Filed | Type | EDGAR |
|---|---|---|---|
| 2026-03-31 | 2026-04-28 | 13F-HR | View on EDGAR |
| 2025-12-31 | 2026-02-13 | 13F-HR | View on EDGAR |
| 2025-09-30 | 2026-03-10 | Amendment | View on EDGAR |
| 2025-09-30 | 2025-10-22 | 13F-HR | View on EDGAR |
| 2025-06-30 | 2026-03-10 | Amendment | View on EDGAR |
| 2025-06-30 | 2025-08-05 | 13F-HR | View on EDGAR |
| 2025-03-31 | 2026-03-10 | Amendment | View on EDGAR |
| 2025-03-31 | 2025-04-16 | 13F-HR | View on EDGAR |
| 2024-12-31 | 2025-01-31 | 13F-HR | View on EDGAR |
| 2024-09-30 | 2024-10-29 | 13F-HR | View on EDGAR |
| 2024-06-30 | 2024-08-05 | 13F-HR | View on EDGAR |
| 2024-03-31 | 2024-05-10 | 13F-HR | View on EDGAR |
| 2023-12-31 | 2024-01-18 | 13F-HR | View on EDGAR |
| 2023-09-30 | 2023-10-20 | 13F-HR | View on EDGAR |
| 2023-06-30 | 2023-07-18 | 13F-HR | View on EDGAR |
| 2023-03-31 | 2023-04-26 | 13F-HR | View on EDGAR |
| 2022-12-31 | 2023-01-18 | 13F-HR | View on EDGAR |
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