Clear Retirement Advice LLC — 13F Holdings & Portfolio
CIK 2112984 · latest 13F-HR filed 2026-07-15
Clear Retirement Advice LLC manages $146.0M in 13F-reported U.S. long-equity assets across 54 reported positions as of its 2026-06-30 13F-HR filing. Its largest disclosed positions are SCHO (11.07%), SPDW (10.65%), ITOT (10.19%). Quarter over quarter (versus its 2026-03-31 filing) the fund opened 0 new positions, exited 0, added to 38, and trimmed 4.
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.
SUITE 350
SAN MATEO, CA 94403
$146.0M
Long-equity book
54
Distinct positions
2026-06-30
Filed 2026-07-15
+0 / −0 / ↑38 / ↓4
vs 2026-03-31
| Name | Title / Status | Ownership | Type |
|---|
Top Adds (vs prior quarter)
- ISHARES TR$3.0M +25.2%
- SPDR INDEX SHS FDS$2.7M +21.1%
- SCHWAB STRATEGIC TR$1.7M +11.4%
- VANGUARD INDEX FDS$1.5M +27.5%
- VANGUARD INDEX FDS$1.3M +18.6%
Top Trims
- APPLE INC-$433.3K -18.7%
- ISHARES GOLD TR-$355.2K -14.4%
- AUTOZONE INC-$16.2K -5.4%
- TJX COS INC NEW-$11.8K -5.1%
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 | SCHWAB STRATEGIC TR | SCHO | 808524862 | $16.2M | 11.07% | 669,894 | SH |
| 2 | SPDR INDEX SHS FDS | SPDW | 78463X889 | $15.6M | 10.65% | 308,661 | SH |
| 3 | ISHARES TR | ITOT | 464287150 | $14.9M | 10.19% | 90,621 | SH |
| 4 | INVESCO EXCH TRADED FD TR II | TBLL | 46138G888 | $12.9M | 8.81% | 121,931 | SH |
| 5 | VANGUARD INDEX FDS | VBR | 922908611 | $8.4M | 5.77% | 34,691 | SH |
| 6 | ISHARES TR | IGSB | 464288646 | $8.0M | 5.45% | 151,850 | SH |
| 7 | VANGUARD INDEX FDS | VBK | 922908595 | $7.2M | 4.90% | 19,585 | SH |
| 8 | VANGUARD INTL EQUITY INDEX F | VWO | 922042858 | $6.3M | 4.33% | 105,818 | SH |
| 9 | ETFS GOLD TR | SGOL | 00326A104 | $5.6M | 3.83% | 146,485 | SH |
| 10 | SPDR SERIES TRUST | SPYV | 78464A508 | $5.4M | 3.73% | 89,583 | SH |
| 11 | VANGUARD INDEX FDS | VTI | 922908769 | $5.2M | 3.53% | 13,943 | SH |
| 12 | SPDR SERIES TRUST | SPYG | 78464A409 | $4.6M | 3.14% | 38,534 | SH |
| 13 | VANGUARD TAX-MANAGED FDS | VEA | 921943858 | $3.0M | 2.05% | 42,061 | SH |
| 14 | VANGUARD SCOTTSDALE FDS | VCSH | 92206C409 | $2.8M | 1.90% | 35,181 | SH |
| 15 | SCHWAB STRATEGIC TR | SCHF | 808524805 | $2.4M | 1.66% | 87,339 | SH |
| 16 | SCHWAB STRATEGIC TR | SCHB | 808524102 | $2.3M | 1.57% | 79,270 | SH |
| 17 | ISHARES INC | IEMG | 46434G103 | $2.2M | 1.49% | 26,217 | SH |
| 18 | ISHARES GOLD TR | IAU | 464285204 | $2.1M | 1.44% | 27,941 | SH |
| 19 | SCHWAB STRATEGIC TR | SCHV | 808524409 | $2.0M | 1.37% | 57,373 | SH |
| 20 | APPLE INC | AAPL | 037833100 | $1.9M | 1.29% | 6,525 | SH |
| 21 | SPDR SERIES TRUST | SLYG | 78464A201 | $1.4M | 0.97% | 11,909 | SH |
| 22 | VANGUARD WORLD FD | VGT | 92204A702 | $1.1M | 0.74% | 8,992 | SH |
| 23 | ISHARES TR | SHY | 464287457 | $996.0K | 0.68% | 12,130 | SH |
| 24 | SCHWAB STRATEGIC TR | SCHG | 808524300 | $992.8K | 0.68% | 29,337 | SH |
| 25 | SPDR SERIES TRUST | SLYV | 78464A300 | $885.0K | 0.61% | 8,111 | SH |
| 26 | VANGUARD INDEX FDS | VTV | 922908744 | $838.6K | 0.57% | 3,848 | SH |
| 27 | VANGUARD SCOTTSDALE FDS | VTWV | 92206C649 | $706.1K | 0.48% | 3,613 | SH |
| 28 | VISA INC | V | 92826C839 | $687.2K | 0.47% | 2,003 | SH |
| 29 | ALPHABET INC | GOOGL | 02079K305 | $677.9K | 0.46% | 1,897 | SH |
| 30 | ALPHABET INC | GOOG | 02079K107 | $654.4K | 0.45% | 1,852 | SH |
| 31 | STATE STR SPDR S&P 500 ETF T | SPY | 78462F103 | $652.7K | 0.45% | 874 | SH |
| 32 | SCHWAB STRATEGIC TR | SCHH | 808524847 | $573.9K | 0.39% | 24,235 | SH |
| 33 | MASTERCARD INCORPORATED | MA | 57636Q104 | $528.5K | 0.36% | 1,029 | SH |
| 34 | SELECT SECTOR SPDR TR | XLI | 81369Y704 | $440.3K | 0.30% | 2,377 | SH |
| 35 | VANGUARD INDEX FDS | VUG | 922908736 | $409.9K | 0.28% | 4,759 | SH |
| 36 | SELECT SECTOR SPDR TR | XLY | 81369Y407 | $393.1K | 0.27% | 3,352 | SH |
| 37 | SELECT SECTOR SPDR TR | XLK | 81369Y803 | $391.5K | 0.27% | 2,055 | SH |
| 38 | SPDR INDEX SHS FDS | SPEM | 78463X509 | $383.8K | 0.26% | 7,412 | SH |
| 39 | VANECK ETF TRUST | ITM | 92189H201 | $354.9K | 0.24% | 7,552 | SH |
| 40 | SELECT SECTOR SPDR TR | XLV | 81369Y209 | $354.8K | 0.24% | 2,236 | SH |
| 41 | ISHARES TR | MUB | 464288414 | $346.2K | 0.24% | 3,217 | SH |
| 42 | INVESCO EXCHANGE TRADED FD T | RSP | 46137V357 | $323.2K | 0.22% | 1,519 | SH |
| 43 | SELECT SECTOR SPDR TR | XLU | 81369Y886 | $301.6K | 0.21% | 6,652 | SH |
| 44 | VANGUARD WORLD FD | VOX | 92204A884 | $300.8K | 0.21% | 1,635 | SH |
| 45 | ISHARES TR | EFG | 464288885 | $290.0K | 0.20% | 2,331 | SH |
| 46 | AUTOZONE INC | AZO | 053332102 | $284.4K | 0.19% | 89 | SH |
| 47 | ISHARES TR | IWO | 464287648 | $275.4K | 0.19% | 699 | SH |
| 48 | JOHNSON & JOHNSON | JNJ | 478160104 | $274.8K | 0.19% | 1,082 | SH |
| 49 | FASTENAL CO | FAST | 311900104 | $273.5K | 0.19% | 5,694 | SH |
| 50 | SELECT SECTOR SPDR TR | XLP | 81369Y308 | $249.2K | 0.17% | 3,000 | SH |
| Period | Filed | AUM | Holdings | Accession |
|---|---|---|---|---|
| 2026-06-30 | 2026-07-15 | $146.0M | 54 | 0002112984-26-000003 |
| 2026-03-31 | 2026-04-28 | $127.4M | 54 | 0002112984-26-000002 |
| 2025-12-31 | 2026-02-24 | $128.6M | 53 | 0002112984-26-000001 |