RETIREMENT FINANCIAL SOLUTIONS, LLC — 13F Holdings & Portfolio
CIK 1962532 · latest 13F-HR filed 2026-04-28
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
$349.8M
Long-equity book
Holdings
53
Distinct positions
Period
2026-03-31
Filed 2026-04-28
Q/Q Activity
+16 / −8 / ↑16 / ↓14
vs 2025-09-30
Firm Profile & Key People
| Name | Title / Status | Ownership | Type |
|---|
Top Adds (vs prior quarter)
- VANGUARD SCOTTSDALE FDS$4.4M +32.9%
- AMERICAN CENTY ETF TR$2.7M +12.9%
- SCHWAB STRATEGIC TR$2.3M +18.7%
- AMERICAN CENTY ETF TR$2.2M +10.4%
- INVESCO EXCHANGE TRADED FD T$1.2M +12.3%
Top Trims
- SPDR SERIES TRUST-$19.0M -47.4%
- WISDOMTREE TR-$10.9M -97.9%
- SPDR SERIES TRUST-$9.9M -46.3%
- INVESCO EXCH TRADED FD TR II-$9.8M -60.9%
- J P MORGAN EXCHANGE TRADED F-$9.1M -97.7%
New Positions
- AMERICAN CENTY ETF TR$37.4M
- AMERICAN CENTY ETF TR$11.7M
- VANECK ETF TRUST$11.6M
- TIDAL TRUST I$11.3M
- ABRDN ETFS$10.9M
Exited Positions
- PACER FDS TR$14.0M
- WISDOMTREE TR$5.2M
- ISHARES TR$4.1M
- ISHARES TR$4.1M
- GLOBAL X FDS$605.9K
All Holdings
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 | $37.4M | 10.68% | 335,974 | SH |
| 2 | AMERICAN CENTY ETF TR | AVUV | 025072877 | $23.7M | 6.78% | 214,582 | SH |
| 3 | AMERICAN CENTY ETF TR | AVSC | 025072323 | $23.5M | 6.71% | 376,850 | SH |
| 4 | SPDR SERIES TRUST | SPYM | 78464A854 | $21.1M | 6.02% | 275,306 | SH |
| 5 | VANGUARD SCOTTSDALE FDS | VGLT | 92206C847 | $17.6M | 5.04% | 318,408 | SH |
| 6 | INVESCO EXCH TRADED FD TR II | QQQJ | 46138G631 | $16.5M | 4.72% | 455,769 | SH |
| 7 | VANGUARD INTL EQUITY INDEX F | VWO | 922042858 | $16.2M | 4.64% | 300,115 | SH |
| 8 | SCHWAB STRATEGIC TR | SCHD | 808524797 | $14.4M | 4.13% | 470,475 | SH |
| 9 | ISHARES TR | IEF | 464287440 | $11.9M | 3.41% | 125,131 | SH |
| 10 | AMERICAN CENTY ETF TR | AVEM | 025072604 | $11.7M | 3.33% | 144,582 | SH |
| 11 | VANECK ETF TRUST | MOO | 92189F700 | $11.6M | 3.32% | 137,429 | SH |
| 12 | SPDR SERIES TRUST | SPMD | 78464A847 | $11.4M | 3.27% | 192,961 | SH |
| 13 | INVESCO EXCHANGE TRADED FD T | RSP | 46137V357 | $11.3M | 3.23% | 58,895 | SH |
| 14 | TIDAL TRUST I | GRNY | 886364231 | $11.3M | 3.22% | 472,278 | SH |
| 15 | STATE STR SPDR DOW JONES IND | DIA | 78467X109 | $11.2M | 3.19% | 24,106 | SH |
| 16 | VANGUARD WORLD FD | MGC | 921910873 | $11.2M | 3.19% | 47,241 | SH |
| 17 | ABRDN ETFS | BCI | 003261104 | $10.9M | 3.12% | 448,803 | SH |
| 18 | VANGUARD INTL EQUITY INDEX F | VEU | 922042775 | $10.8M | 3.08% | 143,460 | SH |
| 19 | INVESCO ACTIVELY MANAGED EXC | RSPA | 46090A697 | $9.3M | 2.67% | 186,750 | SH |
| 20 | INVESCO EXCH TRADED FD TR II | QQQM | 46138G649 | $6.3M | 1.79% | 26,332 | SH |
| 21 | SCHWAB STRATEGIC TR | SCHP | 808524870 | $6.0M | 1.71% | 225,230 | SH |
| 22 | INVESCO EXCH TRADED FD TR II | RWL | 46138G698 | $5.8M | 1.67% | 50,787 | SH |
| 23 | SPDR SERIES TRUST | SPYV | 78464A508 | $5.8M | 1.66% | 102,557 | SH |
| 24 | SPDR SERIES TRUST | SPYG | 78464A409 | $5.6M | 1.61% | 57,396 | SH |
| 25 | VANGUARD SCOTTSDALE FDS | VGSH | 92206C102 | $5.3M | 1.53% | 91,246 | SH |
| 26 | VANGUARD WORLD FD | EDV | 921910709 | $4.4M | 1.26% | 67,942 | SH |
| 27 | VANGUARD INDEX FDS | VOO | 922908363 | $1.9M | 0.55% | 3,198 | SH |
| 28 | VANGUARD INDEX FDS | VNQ | 922908553 | $1.5M | 0.42% | 16,551 | SH |
| 29 | ISHARES GOLD TR | IAUM | 46436F103 | $1.3M | 0.37% | 27,750 | SH |
| 30 | VANGUARD STAR FDS | VXUS | 921909768 | $1.2M | 0.36% | 16,125 | SH |
| 31 | GRAYSCALE BITCOIN MINI TR ET | BTC | 389930207 | $1.1M | 0.31% | 35,656 | SH |
| 32 | VANGUARD INDEX FDS | VOE | 922908512 | $992.8K | 0.28% | 5,387 | SH |
| 33 | BLUEROCK PVT REAL ESTATE FD | BPRE | 09631P102 | $822.4K | 0.24% | 49,514 | SH |
| 34 | VANGUARD SCOTTSDALE FDS | VCIT | 92206C870 | $779.8K | 0.22% | 9,423 | SH |
| 35 | LITMAN GREGORY FDS TR | DBMF | 53700T827 | $757.6K | 0.22% | 25,128 | SH |
| 36 | ALPS ETF TR | AMLP | 00162Q452 | $741.6K | 0.21% | 14,088 | SH |
| 37 | VANGUARD SCOTTSDALE FDS | VONE | 92206C730 | $733.9K | 0.21% | 2,487 | SH |
| 38 | GRAYSCALE ETHEREUM STAKING | ETH | 38964R203 | $733.7K | 0.21% | 36,944 | SH |
| 39 | VANGUARD INDEX FDS | VTI | 922908769 | $596.3K | 0.17% | 1,859 | SH |
| 40 | NVIDIA CORPORATION | NVDA | 67066G104 | $571.7K | 0.16% | 3,278 | SH |
| 41 | VANGUARD INDEX FDS | VO | 922908629 | $454.5K | 0.13% | 1,583 | SH |
| 42 | VANGUARD INDEX FDS | VBR | 922908611 | $437.3K | 0.13% | 2,013 | SH |
| 43 | ABRDN SILVER ETF TRUST | SIVR | 003264108 | $394.1K | 0.11% | 5,503 | SH |
| 44 | INVESCO ACTIVELY MANAGED EXC | QQA | 46090A689 | $363.0K | 0.10% | 7,277 | SH |
| 45 | SPDR SERIES TRUST | SPSM | 78468R853 | $336.3K | 0.10% | 6,960 | SH |
| 46 | EXXON MOBIL CORP | XOM | 30231G102 | $313.8K | 0.09% | 1,850 | SH |
| 47 | INTERNATIONAL BUSINESS MACHS | IBM | 459200101 | $298.6K | 0.09% | 1,232 | SH |
| 48 | WISDOMTREE TR | HEDJ | 97717X701 | $228.2K | 0.07% | 4,363 | SH |
| 49 | BP PLC | BP | 055622104 | $219.9K | 0.06% | 4,678 | SH |
| 50 | TESLA INC | TSLA | 88160R101 | $216.4K | 0.06% | 582 | SH |
Filing History
| Period | Filed | AUM | Holdings | Accession |
|---|---|---|---|---|
| 2026-03-31 | 2026-04-28 | $349.8M | 53 | 0001962532-26-000005 |
| 2025-09-30 | 2026-03-10 | $319.5M | 45 | 0001962532-26-000004 |