CIK: 0001672681
Total reported value
$264.6M
Reporting period: 2026-03-31 · Number of holdings: 62
RETIREMENT CAPITAL STRATEGIES disclosed 62 holdings in its latest 13F filing for the period ending 2026-03-31, with total reported value of $264.6M and a quarterly turnover rate of 28.3%.
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Retirement Capital Strategies's disclosed holdings carry a Herfindahl concentration index of 0.051 — mathematically equivalent to about 19 equally-sized positions, well below its 62 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 1.49), 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 11% 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 SLV
-76.6% -$4.6M
Trim GLD
-62.3% -$3.5M
Add USFR
+119.4% $3.1M
Add GSST
+599.3% $2.4M
Add BIV
+5.0% $770.2K
Add AGG
+4.2% $669.7K
| # | Ticker | Issuer | Asset Subclass | Weight | Weight Change | Shares Change | 4Q Trend |
|---|---|---|---|---|---|---|---|
| 1 | VT | Vanguard Tot World Stk ETF | ETF-Other | 11.39% | +0.18% | +1.67% | |
| 2 | VTI | Vanguard Total Stock Mkt ETF | ETF-Other | 10.62% | +0.10% | +3.45% | |
| 3 | BIV | Vanguard Intermediate-term B | ETF-Other | 7.45% | +0.43% | +5.01% | |
| 4 | AGG | Ishares Core U.s. Aggregate | ETF-Other | 7.27% | +0.39% | +4.24% | |
| 5 | VOO | Vanguard S&p 500 ETF | ETF-Large Cap & Growth | 5.35% | -0.23% | -1.28% | |
| 6 | JPST | Jpmorgan Ultra-short Income | ETF-Other | 4.26% | +4.26% | NEW | |
| 7 | SPTM | Ss Spdr P S&p 1500 Comp ETF | ETF-Other | 3.98% | -0.14% | -1.20% | |
| 8 | EFIV | Ss Spdr S&p 500 Esg ETF | ETF-Large Cap & Growth | 3.75% | -0.15% | -1.09% | |
| 9 | IUSB | Ishr Cr Unvrse Usd Bd Etf-ui | ETF-Other | 3.73% | +0.25% | +5.93% | |
| 10 | BND | Vanguard Total Bond Market | ETF-Other | 3.47% | +0.12% | +2.37% | |
| 11 | GSY | Invesco Ultra Short Duration | ETF-Other | 3.25% | +3.25% | NEW | |
| 12 | GBIL | Goldman Sachs Access Treasur | ETF-Commodities | 2.71% | +0.35% | +12.39% | |
| 13 | BILS | Ss Spdrb B 3-12m T-bill ETF | ETF-Other | 2.66% | +0.34% | +12.14% | |
| 14 | AAPL | Apple INC | Stock-Tech | 2.61% | -0.15% | -0.58% | |
| 15 | USFR | Wisdomtree Floating Rate Tre | ETF-Other | 2.14% | +1.18% | +119.36% | |
| 16 | MMM | 3m Co | Stock-Industrials | 1.76% | -0.15% | -0.79% | |
| 17 | ANET | Arista Networks INC | Stock-Tech | 1.49% | -0.07% | +0.01% | |
| 18 | ESGV | Vanguard Esg US Stock ETF | ETF-Other | 1.37% | -0.10% | -1.49% | |
| 19 | ICSH | Ishares Ultra Short Duration | ETF-Other | 1.29% | +1.29% | NEW | |
| 20 | EUSB | Ishr Esg Advn Universal Bd-$ | ETF-Other | 1.17% | — | +2.69% | |
| 21 | XBIL | F/m US Treasury 6 Month Bill | ETF-Gov Bonds | 1.17% | -0.06% | -6.99% | |
| 22 | EAGG | Ishares Esg Aware US Aggrega | ETF-Other | 1.17% | — | +2.65% | |
| 23 | LPLA | Lpl Financial Holdings INC | Stock-Financials | 1.14% | -0.19% | — | |
| 24 | GSST | Goldman Sachs Ultra Short Bo | ETF-Commodities | 1.08% | +0.93% | +599.28% | |
| 25 | NUBD | Nuveen Esg US Aggregate Bond | ETF-Other | 1.05% | — | +2.98% | |
| 26 | GLD | Spdr Gold Shares | ETF-Commodities | 0.92% | -1.29% | -62.26% | |
| 27 | MSFT | Microsoft CORP | Stock-Tech | 0.89% | -0.25% | +0.44% | |
| 28 | NVDA | Nvidia CORP | Stock-Tech | 0.87% | -0.04% | +0.31% | |
| 29 | SNPE | Xtrckr S&p 500 Scor&scrn ETF | ETF-Large Cap & Growth | 0.86% | -0.04% | -0.88% | |
| 30 | TFLO | Ishares Treasury Floating Ra | ETF-Gov Bonds | 0.82% | +0.32% | +59.43% | |
| 31 | SHV | Ishares 0-1 Year Treasury Bo | ETF-Gov Bonds | 0.70% | +0.35% | +92.84% | |
| 32 | SLV | Ishares Silver Trust | ETF-Commodities | 0.58% | -1.70% | -76.56% | |
| 33 | TBIL | F/m US Treasury 3 Month Bill | ETF-Gov Bonds | 0.55% | -0.16% | -23.71% | |
| 34 | ETN | Eaton Corporation plc | Stock-Industrials | 0.54% | +0.07% | — | |
| 35 | SGOV | Ishares 0-3 Month Treasury B | ETF-Gov Bonds | 0.51% | — | -4.26% | |
| 36 | TSLA | Tesla INC | Stock-Consumer Disc | 0.44% | -0.09% | — | |
| 37 | BIL | Ss Spdr Bb 1-3m T-bill ETF | ETF-Gov Bonds | 0.42% | — | -5.17% | |
| 38 | CSCO | Cisco Systems INC | Stock-Tech | 0.42% | — | — | |
| 39 | ESGU | Ishares Esg Aware Msci USA | ETF-Other | 0.39% | -0.02% | -3.03% | |
| 40 | MDY | State Street Spdr S&p Midcap | ETF-Other | 0.35% | — | — | |
| 41 | XVV | Ishares Esg Select Screened | ETF-Other | 0.29% | — | — | |
| 42 | GEV | GE Vernova INC | Stock-Industrials | 0.24% | +0.07% | +0.14% | |
| 43 | OBIL | F/m US Treasury 12 Month Bil | ETF-Gov Bonds | 0.23% | -0.18% | -44.63% | |
| 44 | INTC | Intel CORP | Stock-Tech | 0.22% | +0.04% | — | |
| 45 | GE | General Electric | Stock-Industrials | 0.21% | — | — | |
| 46 | IVV | Ishares Core S&p 500 ETF | ETF-Large Cap & Growth | 0.20% | — | — | |
| 47 | SHY | Ishares 1-3 Year Treasury Bo | ETF-Gov Bonds | 0.19% | — | — | |
| 48 | SPTS | Ss Spdr P St Term Tsy ETF | ETF-Other | 0.19% | — | — | |
| 49 | VGSH | Vanguard Short-term Treasury | ETF-Gov Bonds | 0.19% | — | — | |
| 50 | SCHO | Schwab Short-term US Treas | ETF-Other | 0.19% | — | — |
Performance for Q3 2026
+2.2%
Performance Last 4 Quarters
+11.7%
Based on 78% of reported portfolio value with available pricing
| Period | Holdings | Total value | Stability | Top holdings |
|---|---|---|---|---|
| 2026-03-31 | 62 | $264.6M | 28 | |
| 2025-12-31 | 68 | $269.7M | 25 | |
| 2025-09-30 | 62 | $260.7M | 96 | |
| 2025-06-30 | 64 | $252.4M | 0 | |
| 2025-03-31 | 77 | $256.1M | 100 | |
| 2024-12-31 | 77 | $264.0M | 0 | |
| 2024-09-30 | 65 | $255.5M | 0 | |
| 2024-06-30 | 66 | $249.3M | 0 | |
| 2024-03-31 | 69 | $244.6M | 0 | |
| 2023-12-31 | 70 | $230.7M | 0 | |
| 2023-09-30 | 57 | $213.5M | 0 | |
| 2023-06-30 | 59 | $217.4M | 0 | |
| 2023-03-31 | 42 | $205.7M | 0 | |
| 2022-12-31 | 40 | $203.7M | 0 | |
| 2022-09-30 | 48 | $218.6M | 0 | |
| 2022-06-30 | 58 | $222.9M | 0 | |
| 2022-03-31 | 60 | $249.4M | 0 | |
| 2021-12-31 | 76 | $272.3M | 0 | |
| 2021-09-30 | 70 | $260.6M | 0 | |
| 2021-06-30 | 79 | $262.3M | 98 | |
| 2021-03-31 | 75 | $253.7M | 100 | |
| 2020-12-31 | 64 | $246.6M | 79 | |
| 2020-09-30 | 65 | $216.4M | 91 | |
| 2020-06-30 | 47 | $210.7M | 93 | |
| 2020-03-31 | 40 | $183.0M | 93 | |
| 2019-12-31 | 54 | $210.3M | 8 | |
| 2019-09-30 | 53 | $199.0M | 18 | |
| 2019-06-30 | 52 | $200.5M | 12 | |
| 2019-03-31 | 49 | $197.7M | 27 | |
| 2018-12-31 | 46 | $178.2M | 55 | |
| 2018-09-30 | 47 | $202.6M | 12 | |
| 2018-06-30 | 29 | $189.5M | 7 | |
| 2018-03-31 | 21 | $190.2M | 4 | |
| 2017-12-31 | 21 | $192.9M | 4 | |
| 2017-09-30 | 15 | $185.5M | 4 | |
| 2017-06-30 | 15 | $177.9M | 2 | |
| 2017-03-31 | 15 | $176.2M | 3 | |
| 2016-12-31 | 16 | $173.0M | 3 | |
| 2016-09-30 | 16 | $173.9M | 3 | |
| 2016-06-30 | 14 | $169.8M | 2 | |
| 2016-03-31 | 17 | $171.9M | 6 | |
| 2015-12-31 | 14 | $163.2M | 4 | |
| 2015-09-30 | 13 | $158.5M | 5 | |
| 2015-06-30 | 13 | $164.4M | 16 | |
| 2015-03-31 | 14 | $170.6M | 4 | |
| 2014-12-31 | 14 | $167.7M | 71 | |
| 2014-09-30 | 9 | $110.3M | 4 | |
| 2014-06-30 | 9 | $113.3M | 6 | |
| 2014-03-31 | 9 | $107.2M | 7 | |
| 2013-12-31 | 9 | $100.5M | 0 |
Retirement Capital Strategies's most significant position changes for 2026-03-31: New buy: Jpmorgan Ultra-short Income (JPST); New buy: Invesco Ultra Short Duration (GSY); Sold out: Ishares Mbs ETF (MBB); Sold out: Ss Spdr P Mort Back Bond ETF (SPMB); Sold out: Ishares 3-7 Year Treasury Bo (IEI).
| # | Ticker | Issuer | Weight Change | Shares Change | Action |
|---|---|---|---|---|---|
| 1 | USFR | Wisdomtree Floating Rate Tre | +1.2% | +119.36% | Add |
| 2 | GSST | Goldman Sachs Ultra Short Bo | +0.9% | +599.28% | Add |
| 3 | BIV | Vanguard Intermediate-term B | +0.4% | +5.01% | Add |
| 4 | AGG | Ishares Core U.s. Aggregate | +0.4% | +4.24% | Add |
| 5 | SHV | Ishares 0-1 Year Treasury Bo | +0.4% | +92.84% | Add |
| 6 | GBIL | Goldman Sachs Access Treasur | +0.4% | +12.39% | Add |
| 7 | BILS | Ss Spdrb B 3-12m T-bill ETF | +0.3% | +12.14% | Add |
| 8 | TFLO | Ishares Treasury Floating Ra | +0.3% | +59.43% | Add |
| 9 | IUSB | Ishr Cr Unvrse Usd Bd Etf-ui | +0.3% | +5.93% | Add |
| 10 | VT | Vanguard Tot World Stk ETF | +0.2% | +1.67% | Add |
| 11 | BND | Vanguard Total Bond Market | +0.1% | +2.37% | Add |
| 12 | VTI | Vanguard Total Stock Mkt ETF | +0.1% | +3.45% | Add |
| 13 | GEV | GE Vernova INC | +0.1% | +0.14% | Add |
| 14 | ETN | Eaton Corporation plc | +0.1% | — | Unchanged |
| 15 | INTC | Intel CORP | 0% | — | Unchanged |
| 16 | ESGU | Ishares Esg Aware Msci USA | 0% | -3.03% | Trim |
| 17 | SOLV | Solventum CORP | 0% | — | Unchanged |
| 18 | NVDA | Nvidia CORP | 0% | +0.31% | Add |
| 19 | SNPE | Xtrckr S&p 500 Scor&scrn ETF | 0% | -0.88% | Trim |
| 20 | XBIL | F/m US Treasury 6 Month Bill | -0.1% | -6.99% | Trim |
| 21 | ANET | Arista Networks INC | -0.1% | +0.01% | Add |
| 22 | TSLA | Tesla INC | -0.1% | — | Unchanged |
| 23 | ESGV | Vanguard Esg US Stock ETF | -0.1% | -1.49% | Trim |
| 24 | SPTM | Ss Spdr P S&p 1500 Comp ETF | -0.1% | -1.20% | Trim |
| 25 | EFIV | Ss Spdr S&p 500 Esg ETF | -0.2% | -1.09% | Trim |
| 26 | AAPL | Apple INC | -0.2% | -0.58% | Trim |
| 27 | MMM | 3m Co | -0.2% | -0.79% | Trim |
| 28 | TBIL | F/m US Treasury 3 Month Bill | -0.2% | -23.71% | Trim |
| 29 | OBIL | F/m US Treasury 12 Month Bil | -0.2% | -44.63% | Trim |
| 30 | LPLA | Lpl Financial Holdings INC | -0.2% | — | Unchanged |
| 31 | VOO | Vanguard S&p 500 ETF | -0.2% | -1.28% | Trim |
| 32 | MSFT | Microsoft CORP | -0.3% | +0.44% | Add |
| 33 | GLD | Spdr Gold Shares | -1.3% | -62.26% | Trim |
| 34 | SLV | Ishares Silver Trust | -1.7% | -76.56% | Trim |
| 35 | JPST | Jpmorgan Ultra-short Income | — | NEW | New buy |
| 36 | GSY | Invesco Ultra Short Duration | — | NEW | New buy |
| 37 | MBB | Ishares Mbs ETF | — | EXIT | Sold out |
| 38 | SPMB | Ss Spdr P Mort Back Bond ETF | — | EXIT | Sold out |
| 39 | IEI | Ishares 3-7 Year Treasury Bo | — | EXIT | Sold out |
| 40 | IEF | Ishares 7-10 Year Treasury B | — | EXIT | Sold out |
| 41 | ICSH | Ishares Ultra Short Duration | — | NEW | New buy |
| 42 | NUHY | Nuveen Esg Hi Yld CORP Bnd | — | EXIT | Sold out |
| 43 | EMB | Ishares Jp Morgan Usd Emergi | — | EXIT | Sold out |
| 44 | ARTY | Ishares Future Ai & Tech ETF | — | EXIT | Sold out |
| 45 | AIPO | Defiance Ai & Power Infr ETF | — | EXIT | Sold out |
| 46 | SUSC | Ishares Esg Aware Usd Corpor | — | EXIT | Sold out |
| 47 | WIP | State Street Spdr Ftse Inter | — | EXIT | Sold out |
| 48 | TAN | Invesco Solar ETF | — | NEW | New buy |
| 49 | XLV | Ss Health Care Select Sector | — | EXIT | Sold out |
| 50 | GOOGL | Alphabet Inc-cl A | — | NEW | New buy |
| Period | Filed | Type | EDGAR |
|---|---|---|---|
| 2026-03-31 | 2026-05-15 | 13F-HR | View on EDGAR |
| 2025-12-31 | 2026-02-13 | 13F-HR | View on EDGAR |
| 2025-09-30 | 2025-11-12 | 13F-HR | View on EDGAR |
| 2025-06-30 | 2025-08-11 | 13F-HR | View on EDGAR |
| 2025-03-31 | 2025-05-14 | 13F-HR | View on EDGAR |
| 2024-12-31 | 2025-02-07 | 13F-HR | View on EDGAR |
| 2024-09-30 | 2024-11-12 | 13F-HR | View on EDGAR |
| 2024-06-30 | 2024-08-14 | 13F-HR | View on EDGAR |
| 2024-03-31 | 2024-05-14 | 13F-HR | View on EDGAR |
| 2023-12-31 | 2024-02-14 | 13F-HR | View on EDGAR |
| 2023-09-30 | 2023-11-13 | 13F-HR | View on EDGAR |
| 2023-06-30 | 2023-08-14 | 13F-HR | View on EDGAR |
| 2023-03-31 | 2023-05-09 | 13F-HR | View on EDGAR |
| 2022-12-31 | 2023-02-07 | 13F-HR | View on EDGAR |
| 2022-09-30 | 2022-11-10 | 13F-HR | View on EDGAR |
| 2022-06-30 | 2022-07-29 | 13F-HR | View on EDGAR |
| 2022-03-31 | 2022-04-21 | 13F-HR | View on EDGAR |
| 2021-12-31 | 2022-02-03 | 13F-HR | View on EDGAR |
| 2021-09-30 | 2021-10-28 | 13F-HR | View on EDGAR |
| 2021-06-30 | 2021-07-28 | 13F-HR | View on EDGAR |
| 2021-03-31 | 2021-04-29 | 13F-HR | View on EDGAR |
| 2020-12-31 | 2021-02-12 | 13F-HR | View on EDGAR |
| 2020-09-30 | 2020-11-13 | 13F-HR | View on EDGAR |
| 2020-06-30 | 2020-08-11 | 13F-HR | View on EDGAR |
| 2020-03-31 | 2020-05-14 | 13F-HR | View on EDGAR |
| 2019-12-31 | 2020-02-12 | 13F-HR | View on EDGAR |
| 2019-09-30 | 2019-11-07 | 13F-HR | View on EDGAR |
| 2019-06-30 | 2019-08-02 | 13F-HR | View on EDGAR |
| 2019-03-31 | 2019-05-14 | 13F-HR | View on EDGAR |
| 2018-12-31 | 2019-01-17 | 13F-HR | View on EDGAR |
| 2018-09-30 | 2018-10-12 | 13F-HR | View on EDGAR |
| 2018-06-30 | 2018-08-09 | 13F-HR | View on EDGAR |
| 2018-03-31 | 2018-05-02 | 13F-HR | View on EDGAR |
| 2017-12-31 | 2018-02-05 | 13F-HR | View on EDGAR |
| 2017-09-30 | 2017-11-14 | 13F-HR | View on EDGAR |
| 2017-06-30 | 2017-08-04 | 13F-HR | View on EDGAR |
| 2017-03-31 | 2017-04-21 | 13F-HR | View on EDGAR |
| 2016-12-31 | 2017-01-19 | 13F-HR | View on EDGAR |
| 2016-09-30 | 2016-10-28 | 13F-HR | View on EDGAR |
| 2016-06-30 | 2016-08-15 | 13F-HR | View on EDGAR |
| 2016-03-31 | 2016-04-27 | 13F-HR | View on EDGAR |
| 2015-12-31 | 2016-12-01 | 13F-HR | View on EDGAR |
| 2015-09-30 | 2016-12-01 | 13F-HR | View on EDGAR |
| 2015-06-30 | 2016-12-01 | 13F-HR | View on EDGAR |
| 2015-03-31 | 2016-12-01 | 13F-HR | View on EDGAR |
| 2014-12-31 | 2016-12-01 | 13F-HR | View on EDGAR |
| 2014-09-30 | 2016-12-01 | 13F-HR | View on EDGAR |
| 2014-06-30 | 2016-12-01 | 13F-HR | View on EDGAR |
| 2014-03-31 | 2016-12-01 | 13F-HR | View on EDGAR |
| 2013-12-31 | 2016-12-01 | 13F-HR | View on EDGAR |
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