# RETIREMENT CAPITAL STRATEGIES

> Institutional holdings reported to the SEC as of Q2 2026 on Form 13F. CIK 1672681. Source: https://holderbook.com/funds/1672681-retirement-capital-strategies/

- Reported value: $288.0M
- Positions: 68
- Weight of the ten largest: 61.1%
- Filed: 2026-08-14

A 13F reports long US equity positions only. Short positions, bonds, foreign listings, private holdings and cash are not visible, so this is not the manager's whole book.

## Holdings

| Security | Ticker | Value | Shares | Weight | Quarters held |
|---|---|---|---|---|---|
| VANGUARD INTL EQUITY INDEX F | [VT](https://holderbook.com/stocks/VT/) | $34.2M | 217,779 | 11.9% | 5 |
| VANGUARD INDEX FDS | [VTI](https://holderbook.com/stocks/VTI/) | $32.1M | 86,877 | 11.2% | 31 |
| VANGUARD BD INDEX FDS | [BIV](https://holderbook.com/stocks/BIV/) | $19.8M | 258,454 | 6.9% | 6 |
| ISHARES TR | [AGG](https://holderbook.com/stocks/AGG/) | $19.5M | 197,004 | 6.8% | 8 |
| VANGUARD INDEX FDS | [VOO](https://holderbook.com/stocks/VOO/) | $16.3M | 23,716 | 5.7% | 31 |
| SPDR SERIES TRUST | [SPTM](https://holderbook.com/stocks/SPTM/) | $12.0M | 132,501 | 4.2% | 13 |
| J P MORGAN EXCHANGE TRADED F | [JPST](https://holderbook.com/stocks/JPST/) | $11.4M | 226,339 | 4.0% | 2 |
| SPDR SERIES TRUST | [EFIV](https://holderbook.com/stocks/EFIV/) | $11.4M | 156,774 | 4.0% | 13 |
| ISHARES TR | [IUSB](https://holderbook.com/stocks/IUSB/) | $10.1M | 219,869 | 3.5% | 11 |
| VANGUARD BD INDEX FDS | [BND](https://holderbook.com/stocks/BND/) | $9.1M | 123,684 | 3.2% | 31 |
| INVESCO ACTIVELY MANAGED EXC | [GSY](https://holderbook.com/stocks/GSY/) | $8.7M | 173,790 | 3.0% | 2 |
| APPLE INC | [AAPL](https://holderbook.com/stocks/AAPL/) | $8.0M | 27,798 | 2.8% | 31 |
| ISHARES TR | [ITOT](https://holderbook.com/stocks/ITOT/) | $7.1M | 42,945 | 2.4% | 12 |
| VANGUARD INDEX FDS | [VV](https://holderbook.com/stocks/VV/) | $6.6M | 19,055 | 2.3% | 1 |
| VANGUARD WORLD FD | [MGC](https://holderbook.com/stocks/MGC/) | $6.1M | 22,409 | 2.1% | 13 |
| ARISTA NETWORKS INC | [ANET](https://holderbook.com/stocks/ANET/) | $5.5M | 32,161 | 1.9% | 7 |
| 3M CO | [MMM](https://holderbook.com/stocks/MMM/) | $5.1M | 31,609 | 1.8% | 31 |
| VANGUARD WORLD FD | [ESGV](https://holderbook.com/stocks/ESGV/) | $4.3M | 32,329 | 1.5% | 13 |
| DBX ETF TR | [SNPE](https://holderbook.com/stocks/SNPE/) | $3.5M | 50,281 | 1.2% | 13 |
| VANGUARD ADMIRAL FDS INC | [VOOG](https://holderbook.com/stocks/VOOG/) | $3.1M | 37,686 | 1.1% | 1 |
| ISHARES TR | [EUSB](https://holderbook.com/stocks/EUSB/) | $3.1M | 71,252 | 1.1% | 8 |
| ISHARES TR | [EAGG](https://holderbook.com/stocks/EAGG/) | $3.1M | 64,842 | 1.1% | 8 |
| GOLDMAN SACHS ETF TR | [GSST](https://holderbook.com/stocks/GSST/) | $3.0M | 59,751 | 1.0% | 5 |
| LPL FINL HLDGS INC | [LPLA](https://holderbook.com/stocks/LPLA/) | $2.8M | 10,041 | 1.0% | 31 |
| NUSHARES ETF TR | [NUBD](https://holderbook.com/stocks/NUBD/) | $2.8M | 125,258 | 1.0% | 8 |
| NVIDIA CORPORATION | [NVDA](https://holderbook.com/stocks/NVDA/) | $2.5M | 12,531 | 0.9% | 14 |
| MICROSOFT CORP | [MSFT](https://holderbook.com/stocks/MSFT/) | $2.4M | 6,405 | 0.8% | 30 |
| ISHARES TR | [MTUM](https://holderbook.com/stocks/MTUM/) | $1.8M | 5,214 | 0.6% | 1 |
| ISHARES TR | [XVV](https://holderbook.com/stocks/XVV/) | $1.7M | 30,106 | 0.6% | 13 |
| EATON CORP PLC | [ETN](https://holderbook.com/stocks/ETN/) | $1.7M | 3,996 | 0.6% | 31 |
| CISCO SYS INC | [CSCO](https://holderbook.com/stocks/CSCO/) | $1.7M | 14,200 | 0.6% | 31 |
| ISHARES TR | [GARP](https://holderbook.com/stocks/GARP/) | $1.6M | 19,505 | 0.6% | 1 |
| INTEL CORP | [INTC](https://holderbook.com/stocks/INTC/) | $1.4M | 10,128 | 0.5% | 31 |
| ISHARES TR | [SGOV](https://holderbook.com/stocks/SGOV/) | $1.4M | 13,908 | 0.5% | 17 |
| GOLDMAN SACHS ETF TR | [GBIL](https://holderbook.com/stocks/GBIL/) | $1.4M | 13,576 | 0.5% | 7 |
| SPDR SERIES TRUST | [BILS](https://holderbook.com/stocks/BILS/) | $1.3M | 13,394 | 0.5% | 7 |
| TESLA INC | [TSLA](https://holderbook.com/stocks/TSLA/) | $1.3M | 3,162 | 0.5% | 22 |
| ISHARES TR | [ESGU](https://holderbook.com/stocks/ESGU/) | $1.1M | 6,973 | 0.4% | 31 |
| VANGUARD INDEX FDS | [VUG](https://holderbook.com/stocks/VUG/) | $1.1M | 12,874 | 0.4% | 1 |
| ISHARES TR | [SUSL](https://holderbook.com/stocks/SUSL/) | $1.1M | 8,350 | 0.4% | 13 |
| SPDR SERIES TRUST | [BIL](https://holderbook.com/stocks/BIL/) | $1.1M | 11,949 | 0.4% | 7 |
| RBB FD INC | [XBIL](https://holderbook.com/stocks/XBIL/) | $1.1M | 21,568 | 0.4% | 7 |
| STATE STR SPDR S&P MIDCAP 40 | [MDY](https://holderbook.com/stocks/MDY/) | $1.1M | 1,502 | 0.4% | 31 |
| RBB FD INC | [TBIL](https://holderbook.com/stocks/TBIL/) | $999.6K | 20,048 | 0.3% | 7 |
| NUSHARES ETF TR | [NULC](https://holderbook.com/stocks/NULC/) | $857.5K | 15,839 | 0.3% | 1 |
| ISHARES TR | [SHV](https://holderbook.com/stocks/SHV/) | $844.3K | 7,651 | 0.3% | 7 |
| GE VERNOVA INC | [GEV](https://holderbook.com/stocks/GEV/) | $842.3K | 717 | 0.3% | 5 |
| GE AEROSPACE | [GE](https://holderbook.com/stocks/GE/) | $744.1K | 1,991 | 0.3% | 13 |
| ISHARES TR | [IVV](https://holderbook.com/stocks/IVV/) | $617.1K | 824 | 0.2% | 22 |
| WISDOMTREE TR | [USFR](https://holderbook.com/stocks/USFR/) | $562.0K | 11,161 | 0.2% | 7 |
| SOLVENTUM CORP | [SOLV](https://holderbook.com/stocks/SOLV/) | $526.7K | 6,827 | 0.2% | 9 |
| RBB FD INC | [OBIL](https://holderbook.com/stocks/OBIL/) | $500.2K | 10,010 | 0.2% | 7 |
| ISHARES TR | [SHY](https://holderbook.com/stocks/SHY/) | $500.1K | 6,091 | 0.2% | 14 |
| SPDR SERIES TRUST | [SPTS](https://holderbook.com/stocks/SPTS/) | $499.8K | 17,229 | 0.2% | 7 |
| SCHWAB STRATEGIC TR | [SCHO](https://holderbook.com/stocks/SCHO/) | $499.6K | 20,695 | 0.2% | 7 |
| VANGUARD SCOTTSDALE FDS | [VGSH](https://holderbook.com/stocks/VGSH/) | $499.5K | 8,583 | 0.2% | 7 |
| ISHARES TR | [TFLO](https://holderbook.com/stocks/TFLO/) | $477.7K | 9,436 | 0.2% | 7 |
| ISHARES TR | [ICLN](https://holderbook.com/stocks/ICLN/) | $406.7K | 19,851 | 0.1% | 3 |
| ISHARES TR | [IHAK](https://holderbook.com/stocks/IHAK/) | $365.2K | 6,015 | 0.1% | 25 |
| NUSHARES ETF TR | [NULG](https://holderbook.com/stocks/NULG/) | $345.4K | 2,951 | 0.1% | 1 |
| ALPHABET INC | [GOOG](https://holderbook.com/stocks/GOOG/) | $342.0K | 968 | 0.1% | 3 |
| DIMENSIONAL ETF TRUST | [DFAC](https://holderbook.com/stocks/DFAC/) | $315.6K | 7,114 | 0.1% | 11 |
| DBX ETF TR | [USSG](https://holderbook.com/stocks/USSG/) | $311.0K | 4,477 | 0.1% | 1 |
| ALPHABET INC | [GOOGL](https://holderbook.com/stocks/GOOGL/) | $298.8K | 836 | 0.1% | 2 |
| AMAZON COM INC | [AMZN](https://holderbook.com/stocks/AMZN/) | $283.1K | 1,188 | 0.1% | 5 |
| VANGUARD INDEX FDS | [VB](https://holderbook.com/stocks/VB/) | $274.9K | 907 | 0.1% | 8 |
| INVESCO EXCH TRADED FD TR II | [TAN](https://holderbook.com/stocks/TAN/) | $248.2K | 4,196 | 0.1% | 2 |
| SELECT SECTOR SPDR TR | [XLV](https://holderbook.com/stocks/XLV/) | $209.3K | 1,319 | 0.1% | 1 |

## What the disclosed book did

Not the fund's return. This is the change in value of the positions disclosed on Form 13F, had they been left untouched, against SPY over the same quarter ends.

| Quarter | Book | Market | Difference | Priced |
|---|---|---|---|---|
| Q2 2026 | +7.8% | +14.8% | -7.1% | 100% |
| Q1 2026 | -2.4% | -4.6% | +2.3% | 100% |
| Q4 2025 | +1.0% | +2.4% | -1.4% | 100% |
| Q3 2025 | +4.7% | +7.8% | -3.1% | 100% |
| Q2 2025 | +6.4% | +10.5% | -4.1% | 100% |
| Q1 2025 | -3.5% | -4.6% | +1.0% | 100% |
| Q4 2024 | -0.2% | +2.1% | -2.3% | 100% |
| Q3 2024 | +4.3% | +5.4% | -1.1% | 100% |

## Quarter by quarter

| Quarter | Value | Positions |
|---|---|---|
| Q2 2026 | $288.0M | 68 |
| Q1 2026 | $264.6M | 62 |
| Q4 2025 | $269.7M | 68 |
| Q3 2025 | $260.7M | 62 |
| Q2 2025 | $252.4M | 64 |
| Q1 2025 | $256.1M | 77 |
| Q4 2024 | $264.0M | 77 |
| Q3 2024 | $255.5M | 65 |
| Q2 2024 | $249.3M | 66 |
| Q1 2024 | $244.6M | 69 |
| Q4 2023 | $230.7M | 70 |
| Q3 2023 | $213.5M | 57 |