Clarity Retirement & Wealth, LLC — 13F Holdings & Portfolio
CIK 2103352 · latest 13F-HR filed 2026-07-30
Clarity Retirement & Wealth, LLC manages $144.9M in 13F-reported U.S. long-equity assets across 35 reported positions as of its 2026-06-30 13F-HR filing. Its largest disclosed positions are FBCG (19.55%), CGDV (15.24%), FENI (10.56%). Quarter over quarter (versus its 2026-03-31 filing) the fund opened 6 new positions and exited 0; 22 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.
Long-equity book
Distinct positions
Filed 2026-07-30
vs 2026-03-31
Portfolio charts
Latest quarter's book, what changed, and how the portfolio has evolved across filings.
Portfolio map
Q2 26Box 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 valueSectors from each company's SIC code; funds and ETFs grouped separately.
Biggest buys and sells
Q1 26 → Q2 26Estimated 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 quartersTotal reported 13F value (bars) and number of positions (line) each quarter. Value changes include market moves.
Top positions over time
reported valueThe eight largest current positions, valued at each quarter end.
Concentration
top 10 = 82.5%Cumulative share of the portfolio held in the largest N positions.
As of the firm’s regulatory filing dated Jan 14, 2026.
2ND FLOOR
NEW BEDFORD, MA 02745
| Name | Title / Status | Ownership | Type |
|---|---|---|---|
| WILLIAMS, JOHN, EDWARD Control | MANAGING MEMBER, CHIEF COMPLIANCE OFFICER since Jul 2025 | 75% or more | Individual |
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)
- FIDELITY COVINGTON TRUST$5.8M +26.0%
- CAPITAL GROUP DIVIDEND VALUE$2.9M +15.2%
- SPDR SERIES TRUST$2.3M +21.9%
- FIDELITY COVINGTON TRUST$2.1M +16.1%
- PGIM ETF TR$1.9M +81.7%
Top Trims
- ISHARES TR-$4.8M -93.7%
- J P MORGAN EXCHANGE TRADED F-$746.8K -24.0%
- SSGA ACTIVE TR-$335.6K -31.4%
- ISHARES TR-$241.6K -16.7%
New Positions
- SPDR GOLD TR$3.6M
- ABRDN ETFS$1.8M
- INVESCO EXCHANGE TRADED FD T$303.8K
- SPDR INDEX SHS FDS$274.5K
- VANGUARD INDEX FDS$245.7K
Clarity Retirement & Wealth, 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 | FIDELITY COVINGTON TRUST | FBCG | 316092352 | $28.3M | 19.55% | 456,289 | SH |
| 2 | CAPITAL GROUP DIVIDEND VALUE | CGDV | 14020W106 | $22.1M | 15.24% | 448,307 | SH |
| 3 | FIDELITY COVINGTON TRUST | FENI | 31609A404 | $15.3M | 10.56% | 381,396 | SH |
| 4 | SPDR SERIES TRUST | SPYM | 78464A854 | $12.9M | 8.91% | 147,034 | SH |
| 5 | FIDELITY MERRIMACK STR TR | FIGB | 316188606 | $9.5M | 6.57% | 222,269 | SH |
| 6 | FIDELITY COVINGTON TRUST | FDEM | 316092543 | $9.2M | 6.38% | 254,398 | SH |
| 7 | FIDELITY MERRIMACK STR TR | FBND | 316188309 | $9.0M | 6.24% | 198,767 | SH |
| 8 | FIDELITY COVINGTON TRUST | FFSM | 316092295 | $4.3M | 2.98% | 112,926 | SH |
| 9 | T ROWE PRICE EXCHANGE-TRADED | TFLR | 87283Q883 | $4.3M | 2.96% | 85,235 | SH |
| 10 | PGIM ETF TR | PHYL | 69344A206 | $4.3M | 2.95% | 122,668 | SH |
| 11 | FIDELITY MERRIMACK STR TR | FMUB | 316188853 | $3.7M | 2.55% | 72,039 | SH |
| 12 | SPDR GOLD TR | GLD | 78463V107 | $3.6M | 2.46% | 9,683 | SH |
| 13 | J P MORGAN EXCHANGE TRADED F | HELO | 46654Q724 | $2.4M | 1.63% | 35,039 | SH |
| 14 | ISHARES TR | IVV | 464287200 | $2.0M | 1.37% | 2,658 | SH |
| 15 | ABRDN ETFS | BCI | 003261104 | $1.8M | 1.27% | 82,126 | SH |
| 16 | VANGUARD INDEX FDS | VOO | 922908363 | $1.6M | 1.12% | 2,360 | SH |
| 17 | VANGUARD INDEX FDS | VTV | 922908744 | $1.5M | 1.04% | 6,938 | SH |
| 18 | FRANKLIN TEMPLETON ETF TR | FLMI | 35473P868 | $1.2M | 0.84% | 48,425 | SH |
| 19 | ISHARES TR | AGG | 464287226 | $1.2M | 0.83% | 12,172 | SH |
| 20 | SPDR SERIES TRUST | SPTL | 78464A664 | $1.0M | 0.71% | 39,178 | SH |
| 21 | DBX ETF TR | RVNU | 233051705 | $941.3K | 0.65% | 37,192 | SH |
| 22 | SSGA ACTIVE TR | ALLW | 78470P630 | $732.6K | 0.51% | 25,030 | SH |
| 23 | J P MORGAN EXCHANGE TRADED F | JMUB | 46641Q647 | $628.3K | 0.43% | 12,403 | SH |
| 24 | SELECT SECTOR SPDR TR | XLK | 81369Y803 | $526.6K | 0.36% | 2,764 | SH |
| 25 | INVESCO QQQ TR | QQQ | 46090E103 | $402.1K | 0.28% | 546 | SH |
| 26 | ISHARES TR | HEFA | 46434V803 | $322.4K | 0.22% | 6,871 | SH |
| 27 | STATE STR SPDR S&P 500 ETF T | SPY | 78462F103 | $312.1K | 0.22% | 418 | SH |
| 28 | INVESCO EXCHANGE TRADED FD T | RSP | 46137V357 | $303.8K | 0.21% | 1,428 | SH |
| 29 | INVESCO QQQ TR Put | QQQ | 46090E103 | $294.6K | 0.20% | 400 | SH |
| 30 | SPDR INDEX SHS FDS | SPDW | 78463X889 | $274.5K | 0.19% | 5,447 | SH |
| 31 | VANGUARD INDEX FDS | VO | 922908629 | $245.7K | 0.17% | 3,049 | SH |
| 32 | VANGUARD SCOTTSDALE FDS | VTHR | 92206C599 | $232.0K | 0.16% | 700 | SH |
| 33 | SELECT SECTOR SPDR TR | XLF | 81369Y605 | $198.0K | 0.14% | 3,694 | SH |
| 34 | STATE STR SPDR S&P 500 ETF T | SPY | 78462F103 | $121.0K | 0.08% | 162 | SH |
| 35 | SELECT SECTOR SPDR TR | XLF | 81369Y605 | $8.1K | 0.01% | 152 | SH |
| Period | Filed | AUM | Holdings | Accession |
|---|---|---|---|---|
| 2026-06-30 | 2026-07-30 | $144.9M | 35 | 0002103352-26-000005 |
| 2026-03-31 | 2026-04-28 | $124.0M | 27 | 0002103352-26-000004 |
| 2025-12-31 | 2026-02-11 | $113.6M | 33 | 0002103352-26-000003 |
SECOND FLOOR
NEW BEDFORD, MA 02745