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RCS Financial Planning, LLC — 13F Holdings & Portfolio

CIK 1963347 · latest 13F-HR filed 2026-10-14

Backtest portfolio

RCS Financial Planning, LLC manages $184.7M in 13F-reported U.S. long-equity assets across 88 reported positions as of its 2026-09-30 13F-HR filing. Its largest disclosed positions are DFAC (19.75%), IEI (5.98%), DFIC (5.45%). Quarter over quarter (versus its 2026-06-30 filing) the fund opened 13 new positions and exited 27; 13 existing positions rose in reported value and 43 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.

Loading holdings…
AUM
$184.7M

Long-equity book

Holdings
88

Distinct positions

Period
2026-09-30

Filed 2026-10-14

Q/Q Activity
+13 / −27 / ↑13 / ↓43

vs 2026-06-30

Portfolio charts

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

Portfolio map

Q3 26
DFAC19.8% · +18%IEI6.0% · newDFIC5.4% · -13%DFCF4.5% · -50%DFEM4.0% · +20%CRWD3.7% · +290%SCHR3.2% · newTIP3.2% · newFBND3.2% · -64%DXIV2.4% · newAAPL2.4% · -2%FLDR2.3% · -31%SCHI2.2% · newDFSD2.1% · -47%IVV2.1% · -5%MUB2.0% · +58%SCHP1.8% · +1605%VUG1.6% · -28%VTEB1.4% · -42%DFAU1.3% · -12%VTV1.1% · -26%SCHO1.1% · newDFAR1.1% · +16%VEA1.0% · -16%ESGU1.0% · +4%IUSB0.7% · -6%SUSC0.7% · +5%AVDV0.7% · -59%LCTU0.7% · +3%IVW0.6% · -8%EAGG0.6% · +12%DYNF0.6% · -8%VTI0.5% · -2%VWO0.5% · -1%VV0.5% · 0%IEFA0.5% · 0%DFAE0.5% · -11%IVE0.5% · -10%BSV0.5% · -38%EFV0.5% · -7%SUB0.5% · -40%DSI0.5% · +9%AVUV0.5% · -2%EFG0.4% · -11%DISV0.4% · -29%VTES0.4% · 0%ESGD0.4% · +4%SCHZ0.3% · -17%AVUS0.3% · -0%SCHF0.3% · -38%CSX0.3% · 0%OEF0.3% · -7%XLK0.3% · 0%USXF0.3% · +7%QUAL0.3% · -58%DFAI0.3% · -12%VGIT0.3% · newBNDX0.3% · -22%CORO0.3% · +99%IEMG0.3% · -43%

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

Q2 26 → Q3 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

4 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 = 55.4%

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

Firm Profile & Key People

As of the firm’s regulatory filing dated Mar 19, 2026.

Assets Under Management
$281.0M
Discretionary
$281.0M
Employees
2
Accounts
667
Address
130 ADMIRAL COCHRANE DRIVE
SUITE 200
ANNAPOLIS, MD 21401
Phone
(410) 224-0097
Website
Name Title / Status Ownership Type
Hopkins Clouser, Amanda, N ControlPARTNER
since Jan 2020
5–10%Individual
TOAL, THADDEUS, NORMAN ControlMANAGING MEMBER & CHIEF COMPLIANCE OFFICER
since Nov 2017
75% or moreIndividual
Ownership & leadership changes · 1 filing with changes since Dec 11, 2017

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.

Feb 7, 2020 filing
  • AddedHopkins Clouser, Amanda, N · PARTNER · 5–10% · control person
Dec 11, 2017 filing (earliest on record)
  • ListedTOAL, THADDEUS, NORMAN · MANAGING MEMBER & CHIEF COMPLIANCE OFFICER · 75% or more · 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.

RCS Financial Planning, LLC Holdings (2026-09-30)

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 DIMENSIONAL ETF TRUST DFAC 25434V708 $36.5M 19.75% 820,914 SH
2 ISHARES TR IEI 464288661 $11.0M 5.98% 97,347 SH
3 DIMENSIONAL ETF TRUST DFIC 25434V799 $10.1M 5.45% 267,523 SH
4 DIMENSIONAL ETF TRUST DFCF 25434V872 $8.3M 4.49% 206,597 SH
5 DIMENSIONAL ETF TRUST DFEM 25434V732 $7.4M 4.00% 185,820 SH
6 CROWDSTRIKE HLDGS INC CRWD 22788C105 $6.8M 3.70% 25,796 SH
7 SCHWAB STRATEGIC TR SCHR 808524854 $6.0M 3.24% 252,914 SH
8 ISHARES TR TIP 464287176 $6.0M 3.23% 57,419 SH
9 FIDELITY MERRIMACK STR TR FBND 316188309 $5.9M 3.18% 135,145 SH
10 DIMENSIONAL ETF TRUST DXIV 25434V542 $4.4M 2.41% 61,700 SH
11 APPLE INC AAPL 037833100 $4.4M 2.37% 13,169 SH
12 FIDELITY MERRIMACK STR TR FLDR 316188408 $4.3M 2.32% 85,798 SH
13 SCHWAB STRATEGIC TR SCHI 808524698 $4.1M 2.19% 188,985 SH
14 DIMENSIONAL ETF TRUST DFSD 25434V864 $4.0M 2.15% 85,481 SH
15 ISHARES TR IVV 464287200 $3.9M 2.11% 5,079 SH
16 ISHARES TR MUB 464288414 $3.7M 2.00% 36,469 SH
17 SCHWAB STRATEGIC TR SCHP 808524870 $3.3M 1.76% 129,607 SH
18 VANGUARD INDEX FDS VUG 922908736 $3.0M 1.64% 33,651 SH
19 VANGUARD MUN BD FDS VTEB 922907746 $2.6M 1.40% 54,685 SH
20 DIMENSIONAL ETF TRUST DFAU 25434V104 $2.3M 1.26% 44,364 SH
21 VANGUARD INDEX FDS VTV 922908744 $2.0M 1.11% 9,473 SH
22 SCHWAB STRATEGIC TR SCHO 808524862 $2.0M 1.08% 83,965 SH
23 DFA INVT DIMENSIONS GROUP IN DFAR 25239Y147 $1.9M 1.05% 80,667 SH
24 VANGUARD TAX-MANAGED FDS VEA 921943858 $1.8M 0.98% 25,763 SH
25 ISHARES TR ESGU 46435G425 $1.8M 0.97% 10,708 SH
26 ISHARES TR IUSB 46434V613 $1.4M 0.75% 31,280 SH
27 ISHARES TR SUSC 46435G193 $1.3M 0.73% 61,284 SH
28 AMERICAN CENTY ETF TR AVDV 025072802 $1.3M 0.73% 12,258 SH
29 BLACKROCK ETF TRUST LCTU 09290C509 $1.3M 0.72% 16,253 SH
30 ISHARES TR IVW 464287309 $1.2M 0.63% 8,146 SH
31 ISHARES TR EAGG 46435U549 $1.1M 0.61% 24,769 SH
32 BLACKROCK ETF TRUST DYNF 09290C103 $1.1M 0.60% 15,945 SH
33 VANGUARD INDEX FDS VTI 922908769 $992.1K 0.54% 2,651 SH
34 VANGUARD INTL EQUITY INDEX F VWO 922042858 $979.6K 0.53% 16,517 SH
35 VANGUARD INDEX FDS VV 922908637 $978.5K 0.53% 2,781 SH
36 ISHARES TR IEFA 46432F842 $923.1K 0.50% 9,528 SH
37 DIMENSIONAL ETF TRUST DFAE 25434V302 $914.0K 0.49% 23,251 SH
38 ISHARES TR IVE 464287408 $895.3K 0.48% 3,922 SH
39 VANGUARD BD INDEX FDS BSV 921937827 $882.7K 0.48% 11,553 SH
40 ISHARES TR EFV 464288877 $857.5K 0.46% 10,835 SH
41 ISHARES TR SUB 464288158 $852.8K 0.46% 8,157 SH
42 ISHARES TR DSI 464288570 $849.5K 0.46% 5,811 SH
43 AMERICAN CENTY ETF TR AVUV 025072877 $840.6K 0.46% 7,138 SH
44 ISHARES TR EFG 464288885 $751.1K 0.41% 6,268 SH
45 DIMENSIONAL ETF TRUST DISV 25434V781 $725.1K 0.39% 16,751 SH
46 VANGUARD WELLINGTON FD VTES 921935870 $656.3K 0.36% 6,656 SH
47 ISHARES TR ESGD 46435G516 $651.1K 0.35% 6,319 SH
48 SCHWAB STRATEGIC TR SCHZ 808524839 $646.8K 0.35% 29,266 SH
49 AMERICAN CENTY ETF TR AVUS 025072885 $642.8K 0.35% 5,019 SH
50 SCHWAB STRATEGIC TR SCHF 808524805 $630.9K 0.34% 22,968 SH
Filing History
Period Filed AUM Holdings Accession
2026-09-30 2026-10-14 $184.7M 88 0001963347-26-000004
2026-06-30 2026-07-22 $211.2M 102 0001963347-26-000003
2026-03-31 2026-04-21 $192.8M 98 0001963347-26-000002
2025-12-31 2026-01-15 $232.0M 90 0001963347-26-000001
Filer Information
Address
130 ADMIRAL COCHRANE DR,
STE 200-A
ANNAPOLIS, MD 21401
Phone
(410) 224-0097
Filing Manager
RCS Financial Planning, LLC
ANNAPOLIS, MD
Signatory
Thaddeus Toal
President