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RETIREMENT FINANCIAL SOLUTIONS, LLC — 13F Holdings & Portfolio

CIK 1962532 · latest 13F-HR filed 2026-07-30

Backtest portfolio

RETIREMENT FINANCIAL SOLUTIONS, LLC manages $406.8M in 13F-reported U.S. long-equity assets across 53 reported positions as of its 2026-06-30 13F-HR filing. Its largest disclosed positions are AVUS (11.12%), AVSC (7.07%), AVUV (6.87%). Quarter over quarter (versus its 2026-03-31 filing) the fund opened 4 new positions and exited 4; 33 existing positions rose in reported value and 4 fell.

AUM is the long-equity portion reported on Form 13F-HR. Excludes short positions, cash, foreign holdings, and non-13F assets. For informational purposes only — not investment advice.

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AUM
$406.8M

Long-equity book

Holdings
53

Distinct positions

Period
2026-06-30

Filed 2026-07-30

Q/Q Activity
+4 / −4 / ↑33 / ↓4

vs 2026-03-31

Portfolio charts

Latest quarter's book, what changed, and how the portfolio has evolved across filings.

Portfolio map

Q2 26
AVUS11.1% · +5%AVSC7.1% · +4%AVUV6.9% · +4%SPYM6.1% · +3%AVEM5.9% · +72%QQQJ5.3% · +4%VGLT5.0% · +15%VWO4.6% · +5%SCHD3.7% · +0%EDV3.5% · +225%GRNY3.4% · +6%MGC3.4% · +7%SPMD3.4% · +5%DIA3.3% · +8%RSP3.3% · +8%VEU3.2% · +8%MOO2.9% · +7%RSPA2.6% · +4%QQQM2.0% · +4%SPYG1.8% · +6%RWL1.7% · +7%SPYV1.6% · +7%SCHP1.6% · +8%VGSH1.3% · +2%VOO0.6% · +3%SDCI0.5% · newIEF0.4% · -87%VNQ0.4% · -8%VXUS0.3% · +0%IAUM0.3% · +14%VOE0.3% · -2%BTC0.2% · +4%VONE0.2% · +0%VCIT0.2% · +1%DBMF0.2% · -0%NVDA0.2% · +15%AMLP0.2% · +2%ETH0.2% · +28%VTI0.2% · +0%BPRE0.1% · -8%VO0.1% · +318%VBR0.1% · +0%SPSM0.1% · +0%QQA0.1% · -7%SIVR0.1% · +10%TXN0.1% · +0%DFTX0.1% · newHEDJ0.1% · +2%TSLA0.1% · 0%AAPL0.1% · newJPM0.1% · newJEPI0.1% · -4%BOXX0.1% · 0%

Box size = position value; colour = change in share count vs the prior quarter (green added, red trimmed, blue new). Rows split across managers or share classes are combined. Click a box for the stock.

Sector mix

% of 13F value

Sectors from each company's SIC code; funds and ETFs grouped separately.

Biggest buys and sells

Q1 26 → Q2 26

Estimated from the change in shares held × the quarter-end price, so price moves alone don't count as buying. New and exited positions are included.

13F assets and positions

3 quarters

Total reported 13F value (bars) and number of positions (line) each quarter. Value changes include market moves.

Top positions over time

reported value

The eight largest current positions, valued at each quarter end.

Concentration

top 10 = 59.1%

Cumulative share of the portfolio held in the largest N positions.

Firm Profile & Key People

As of the firm’s regulatory filing dated Mar 20, 2026.

Assets Under Management
$361.7M
Discretionary
$361.7M
Employees
26
Accounts
2,137
Address
9725 COGDILL ROAD
SUITE 101
KNOXVILLE, TN 37932
Phone
(865) 392-4260
Website
Name Title / Status Ownership Type
FUGATE, BRADLEY, ROBERT ControlMANAGING DIRECTOR
since Aug 2014
25–50%Individual
FUGATE, ROBERT, HARRY ControlMEMBER AND WEALTH PLANNER
since Aug 2014
10–25%Individual
Vandergriff, John ControlMEMBER AND WEALTH PLANNER
since Aug 2014
10–25%Individual
FUGATE, ROBIN, RENEEMEMBER
since Aug 2014
10–25%Individual
PAYNE, CHRISTOPHER, LEEINTERIM CCO
since Nov 2025
Less than 5%Individual
Vandergriff, AshleyMEMBER
since Aug 2014
10–25%Individual
Ownership & leadership changes · 3 filings with changes since Feb 18, 2022

From the firm’s regulatory filings, newest first. Dates are filing dates: a filing that no longer lists someone does not say when they left.

Nov 10, 2025 filing
  • No longer listedJOHNSON, TORIAN · CHIEF COMPLIANCE OFFICER · Less than 5% · listed since Jan 2025
  • Listed againPAYNE, CHRISTOPHER, LEE · INTERIM CCO · Less than 5%
Jan 2, 2025 filing
  • No longer listedPAYNE, CHRISTOPHER, LEE · CHIEF COMPLIANCE OFFICER · Less than 5% · listed since Oct 2023
  • AddedJOHNSON, TORIAN · CHIEF COMPLIANCE OFFICER · Less than 5%
Oct 20, 2023 filing
  • AddedPAYNE, CHRISTOPHER, LEE · CHIEF COMPLIANCE OFFICER · Less than 5%
  • ChangedFUGATE, BRADLEY, ROBERT · title MANAGING DIRECTOR AND CHIEF COMPLIANCE OFFICER → MANAGING DIRECTOR
Feb 18, 2022 filing (earliest on record)
  • ListedFUGATE, BRADLEY, ROBERT · MANAGING DIRECTOR AND CHIEF COMPLIANCE OFFICER · 25–50% · control person
  • ListedFUGATE, ROBERT, HARRY · MEMBER AND WEALTH PLANNER · 10–25% · control person
  • ListedFUGATE, ROBIN, RENEE · MEMBER · 10–25%
  • ListedVandergriff, Ashley · MEMBER · 10–25%
  • ListedVandergriff, John · MEMBER AND WEALTH PLANNER · 10–25% · control person

Quarter-over-quarter changes

Changes in reported position value vs the prior 13F, so price moves count too, not just shares bought or sold.

Top Adds (vs prior quarter)

Show all 33 →

Top Trims

Show all 4 →

New Positions

Show all 4 →

Exited Positions

Show all 4 →

RETIREMENT FINANCIAL SOLUTIONS, LLC Holdings (2026-06-30)

Rows tagged Call or Put are options positions, not stock. Per SEC Form 13F-HR, Value shows the notional value of the underlying (shares covered × underlying price), not the option premium. Shares is the number of underlying shares covered (divide by 100 for contract count).

# Issuer Symbol CUSIP Value Weight Shares Type
1 AMERICAN CENTY ETF TR AVUS 025072885 $45.2M 11.12% 353,155 SH
2 AMERICAN CENTY ETF TR AVSC 025072323 $28.7M 7.07% 391,883 SH
3 AMERICAN CENTY ETF TR AVUV 025072877 $27.9M 6.87% 223,968 SH
4 SPDR SERIES TRUST SPYM 78464A854 $24.8M 6.11% 282,726 SH
5 AMERICAN CENTY ETF TR AVEM 025072604 $24.0M 5.89% 248,491 SH
6 INVESCO EXCH TRADED FD TR II QQQJ 46138G631 $21.5M 5.29% 473,142 SH
7 VANGUARD SCOTTSDALE FDS VGLT 92206C847 $20.3M 4.98% 367,012 SH
8 VANGUARD INTL EQUITY INDEX F VWO 922042858 $18.8M 4.62% 314,873 SH
9 SCHWAB STRATEGIC TR SCHD 808524797 $14.9M 3.67% 470,729 SH
10 VANGUARD WORLD FD EDV 921910709 $14.4M 3.53% 220,523 SH
11 TIDAL TRUST I GRNY 886364231 $13.9M 3.42% 503,102 SH
12 VANGUARD WORLD FD MGC 921910873 $13.8M 3.39% 50,416 SH
13 SPDR SERIES TRUST SPMD 78464A847 $13.7M 3.36% 202,058 SH
14 STATE STR SPDR DOW JONES IND DIA 78467X109 $13.6M 3.33% 25,945 SH
15 INVESCO EXCHANGE TRADED FD T RSP 46137V357 $13.5M 3.32% 63,448 SH
16 VANGUARD INTL EQUITY INDEX F VEU 922042775 $13.0M 3.18% 154,686 SH
17 VANECK ETF TRUST MOO 92189F700 $11.6M 2.86% 146,946 SH
18 INVESCO ACTIVELY MANAGED EXC RSPA 46090A697 $10.4M 2.56% 195,187 SH
19 INVESCO EXCH TRADED FD TR II QQQM 46138G649 $8.3M 2.04% 27,380 SH
20 SPDR SERIES TRUST SPYG 78464A409 $7.2M 1.78% 60,801 SH
21 INVESCO EXCH TRADED FD TR II RWL 46138G698 $6.9M 1.70% 54,283 SH
22 SPDR SERIES TRUST SPYV 78464A508 $6.7M 1.65% 110,181 SH
23 SCHWAB STRATEGIC TR SCHP 808524870 $6.4M 1.58% 242,636 SH
24 VANGUARD SCOTTSDALE FDS VGSH 92206C102 $5.4M 1.34% 93,359 SH
25 VANGUARD INDEX FDS VOO 922908363 $2.3M 0.56% 3,294 SH
26 USCF ETF TR SDCI 90290T809 $1.9M 0.47% 72,918 SH
27 ISHARES TR IEF 464287440 $1.5M 0.37% 15,818 SH
28 VANGUARD INDEX FDS VNQ 922908553 $1.5M 0.36% 15,263 SH
29 VANGUARD STAR FDS VXUS 921909768 $1.4M 0.34% 16,196 SH
30 ISHARES GOLD TRUST MICRO IAUM 46436F103 $1.3M 0.31% 31,752 SH
31 VANGUARD INDEX FDS VOE 922908512 $1.0M 0.26% 5,269 SH
32 GRAYSCALE BITCOIN MINI TR ET BTC 389930207 $963.1K 0.24% 37,115 SH
33 VANGUARD SCOTTSDALE FDS VONE 92206C730 $844.5K 0.21% 2,493 SH
34 VANGUARD SCOTTSDALE FDS VCIT 92206C870 $789.1K 0.19% 9,548 SH
35 LITMAN GREGORY FDS TR DBMF 53700T827 $768.2K 0.19% 25,096 SH
36 NVIDIA CORPORATION NVDA 67066G104 $753.1K 0.19% 3,764 SH
37 ALPS ETF TR AMLP 00162Q452 $743.6K 0.18% 14,342 SH
38 GRAYSCALE ETHEREUM STAKING ETH 38964R203 $710.3K 0.17% 47,258 SH
39 VANGUARD INDEX FDS VTI 922908769 $689.8K 0.17% 1,864 SH
40 BLUEROCK PVT REAL ESTATE FD BPRE 09631P102 $590.2K 0.15% 45,366 SH
41 VANGUARD INDEX FDS VO 922908629 $532.9K 0.13% 6,614 SH
42 VANGUARD INDEX FDS VBR 922908611 $491.3K 0.12% 2,022 SH
43 SPDR SERIES TRUST SPSM 78468R853 $402.8K 0.10% 6,984 SH
44 INVESCO ACTIVELY MANAGED EXC QQA 46090A689 $391.2K 0.10% 6,788 SH
45 ABRDN SILVER ETF TRUST SIVR 003264108 $341.1K 0.08% 6,067 SH
46 TEXAS INSTRS INC TXN 882508104 $310.9K 0.08% 1,043 SH
47 DEFINIUM THERAPEUTICS INC DFTX 24477V105 $282.2K 0.07% 6,000 SH
48 WISDOMTREE TR HEDJ 97717X701 $252.9K 0.06% 4,437 SH
49 TESLA INC TSLA 88160R101 $244.8K 0.06% 582 SH
50 APPLE INC AAPL 037833100 $211.8K 0.05% 732 SH
Filing History
Period Filed AUM Holdings Accession
2026-06-30 2026-07-30 $406.8M 53 0001962532-26-000006
2026-03-31 2026-04-28 $349.8M 53 0001962532-26-000005
2025-09-30 2026-03-10 $319.5M 45 0001962532-26-000004
Filer Information
Address
9725 COGDILL ROAD
SUITE 101
KNOXVILLE, TN 37932
Phone
(865) 392-4260
Filing Manager
RETIREMENT FINANCIAL SOLUTIONS, LLC
KNOXVILLE, TN
Signatory
Desaree Tatum
Consultant, Compliance Services