Clear Retirement Advice LLC — 13F Holdings & Portfolio
CIK 2112984 · latest 13F-HR filed 2026-04-28
Clear Retirement Advice LLC manages $127.4M in 13F-reported U.S. long-equity assets across 54 reported positions as of its 2026-03-31 13F-HR filing. Its largest disclosed positions are SCHO (11.40%), SPDW (10.08%), ITOT (9.34%). Quarter over quarter (versus its 2025-12-31 filing) the fund opened 1 new position, exited 0, added to 4, and trimmed 17.
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.
$127.4M
Long-equity book
54
Distinct positions
2026-03-31
Filed 2026-04-28
+1 / −0 / ↑4 / ↓17
vs 2025-12-31
| Name | Title / Status | Ownership | Type |
|---|
Top Adds (vs prior quarter)
- APPLE INC$1.5M +166.8%
- VANGUARD SCOTTSDALE FDS$203.1K +7.8%
- SCHWAB STRATEGIC TR$111.3K +5.9%
- SELECT SECTOR SPDR TR$18.7K +6.5%
Top Trims
- SCHWAB STRATEGIC TR-$164.7K -8.5%
- SCHWAB STRATEGIC TR-$138.3K -5.9%
- SCHWAB STRATEGIC TR-$96.7K -15.7%
- VANGUARD INDEX FDS-$88.0K -17.7%
- ALPHABET INC-$86.3K -13.7%
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 | $14.5M | 11.40% | 598,083 | SH |
| 2 | SPDR INDEX SHS FDS | SPDW | 78463X889 | $12.8M | 10.08% | 281,259 | SH |
| 3 | ISHARES TR | ITOT | 464287150 | $11.9M | 9.34% | 83,503 | SH |
| 4 | INVESCO EXCH TRADED FD TR II | TBLL | 46138G888 | $11.9M | 9.33% | 112,551 | SH |
| 5 | VANGUARD INDEX FDS | VBR | 922908611 | $7.1M | 5.58% | 32,711 | SH |
| 6 | ISHARES TR | IGSB | 464288646 | $7.0M | 5.49% | 133,030 | SH |
| 7 | VANGUARD INDEX FDS | VBK | 922908595 | $5.6M | 4.41% | 18,589 | SH |
| 8 | ETFS GOLD TR | SGOL | 00326A104 | $5.4M | 4.26% | 121,677 | SH |
| 9 | VANGUARD INTL EQUITY INDEX F | VWO | 922042858 | $5.2M | 4.12% | 97,045 | SH |
| 10 | SPDR SERIES TRUST | SPYV | 78464A508 | $4.5M | 3.55% | 79,943 | SH |
| 11 | VANGUARD INDEX FDS | VTI | 922908769 | $4.4M | 3.48% | 13,829 | SH |
| 12 | SPDR SERIES TRUST | SPYG | 78464A409 | $3.7M | 2.89% | 37,625 | SH |
| 13 | VANGUARD SCOTTSDALE FDS | VCSH | 92206C409 | $2.8M | 2.20% | 35,281 | SH |
| 14 | VANGUARD TAX-MANAGED FDS | VEA | 921943858 | $2.7M | 2.15% | 42,683 | SH |
| 15 | ISHARES GOLD TR | IAU | 464285204 | $2.5M | 1.94% | 27,961 | SH |
| 16 | APPLE INC | AAPL | 037833100 | $2.3M | 1.82% | 9,147 | SH |
| 17 | SCHWAB STRATEGIC TR | SCHF | 808524805 | $2.2M | 1.72% | 88,599 | SH |
| 18 | SCHWAB STRATEGIC TR | SCHB | 808524102 | $2.0M | 1.57% | 79,917 | SH |
| 19 | ISHARES INC | IEMG | 46434G103 | $1.8M | 1.44% | 26,360 | SH |
| 20 | SCHWAB STRATEGIC TR | SCHV | 808524409 | $1.8M | 1.39% | 58,035 | SH |
| 21 | SPDR SERIES TRUST | SLYG | 78464A201 | $1.2M | 0.91% | 12,012 | SH |
| 22 | SCHWAB STRATEGIC TR | SCHG | 808524300 | $877.0K | 0.69% | 30,108 | SH |
| 23 | SPDR SERIES TRUST | SLYV | 78464A300 | $785.6K | 0.62% | 8,306 | SH |
| 24 | VANGUARD WORLD FD | VGT | 92204A702 | $784.2K | 0.62% | 1,124 | SH |
| 25 | VANGUARD INDEX FDS | VTV | 922908744 | $755.6K | 0.59% | 3,851 | SH |
| 26 | ISHARES TR | SHY | 464287457 | $708.5K | 0.56% | 8,581 | SH |
| 27 | VISA INC | V | 92826C839 | $605.4K | 0.48% | 2,003 | SH |
| 28 | VANGUARD SCOTTSDALE FDS | VTWV | 92206C649 | $604.2K | 0.47% | 3,613 | SH |
| 29 | STATE STR SPDR S&P 500 ETF T | SPY | 78462F103 | $568.4K | 0.45% | 874 | SH |
| 30 | ALPHABET INC | GOOGL | 02079K305 | $545.5K | 0.43% | 1,897 | SH |
| 31 | ALPHABET INC | GOOG | 02079K107 | $531.3K | 0.42% | 1,852 | SH |
| 32 | SCHWAB STRATEGIC TR | SCHH | 808524847 | $520.8K | 0.41% | 24,235 | SH |
| 33 | MASTERCARD INCORPORATED | MA | 57636Q104 | $514.1K | 0.40% | 1,029 | SH |
| 34 | VANGUARD INDEX FDS | VUG | 922908736 | $409.3K | 0.32% | 937 | SH |
| 35 | SELECT SECTOR SPDR TR | XLI | 81369Y704 | $384.4K | 0.30% | 2,377 | SH |
| 36 | SELECT SECTOR SPDR TR | XLY | 81369Y407 | $365.3K | 0.29% | 3,352 | SH |
| 37 | VANECK ETF TRUST | ITM | 92189H201 | $350.6K | 0.28% | 7,552 | SH |
| 38 | SPDR INDEX SHS FDS | SPEM | 78463X509 | $349.8K | 0.27% | 7,457 | SH |
| 39 | ISHARES TR | MUB | 464288414 | $341.5K | 0.27% | 3,217 | SH |
| 40 | SELECT SECTOR SPDR TR | XLV | 81369Y209 | $327.8K | 0.26% | 2,236 | SH |
| 41 | SELECT SECTOR SPDR TR | XLU | 81369Y886 | $305.3K | 0.24% | 6,652 | SH |
| 42 | AUTOZONE INC | AZO | 053332102 | $300.6K | 0.24% | 89 | SH |
| 43 | VANGUARD WORLD FD | VOX | 92204A884 | $294.0K | 0.23% | 1,635 | SH |
| 44 | INVESCO EXCHANGE TRADED FD T | RSP | 46137V357 | $291.5K | 0.23% | 1,519 | SH |
| 45 | SELECT SECTOR SPDR TR | XLK | 81369Y803 | $282.4K | 0.22% | 2,125 | SH |
| 46 | JOHNSON & JOHNSON | JNJ | 478160104 | $264.5K | 0.21% | 1,082 | SH |
| 47 | FASTENAL CO | FAST | 311900104 | $264.2K | 0.21% | 5,694 | SH |
| 48 | ISHARES TR | EFG | 464288885 | $259.6K | 0.20% | 2,331 | SH |
| 49 | SELECT SECTOR SPDR TR | XLP | 81369Y308 | $245.9K | 0.19% | 3,000 | SH |
| 50 | TJX COS INC NEW | TJX | 872540109 | $228.8K | 0.18% | 1,433 | SH |
| Period | Filed | AUM | Holdings | Accession |
|---|---|---|---|---|
| 2026-03-31 | 2026-04-28 | $127.4M | 54 | 0002112984-26-000002 |
| 2025-12-31 | 2026-02-24 | $128.6M | 53 | 0002112984-26-000001 |