# Relaxing Retirement Coach

> Institutional holdings reported to the SEC as of Q2 2023 on Form 13F. CIK 1728449. Source: https://holderbook.com/funds/1728449-relaxing-retirement-coach/

- Reported value: $332.3M
- Positions: 76
- Weight of the ten largest: 75.9%
- Filed: 2023-07-27

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 |
|---|---|---|---|---|---|
| DIMENSIONAL ETF TRUST | [DFUS](https://holderbook.com/stocks/DFUS/) | $64.2M | 1,332,675 | 19.3% | 9 |
| DIMENSIONAL ETF TRUST | [DFIC](https://holderbook.com/stocks/DFIC/) | $53.7M | 2,211,197 | 16.2% | 6 |
| DIMENSIONAL ETF TRUST | [DFAS](https://holderbook.com/stocks/DFAS/) | $29.3M | 534,148 | 8.8% | 9 |
| DIMENSIONAL ETF TRUST | [DFEM](https://holderbook.com/stocks/DFEM/) | $24.6M | 1,022,219 | 7.4% | 5 |
| DIMENSIONAL ETF TRUST | [DFCF](https://holderbook.com/stocks/DFCF/) | $22.9M | 549,901 | 6.9% | 5 |
| DIMENSIONAL ETF TRUST | [DFAT](https://holderbook.com/stocks/DFAT/) | $17.1M | 369,090 | 5.2% | 9 |
| DIMENSIONAL ETF TRUST | [DFLV](https://holderbook.com/stocks/DFLV/) | $11.3M | 443,282 | 3.4% | 3 |
| DIMENSIONAL ETF TRUST | [DFNM](https://holderbook.com/stocks/DFNM/) | $10.6M | 222,984 | 3.2% | 7 |
| DIMENSIONAL ETF TRUST | [DFAR](https://holderbook.com/stocks/DFAR/) | $10.1M | 469,441 | 3.0% | 5 |
| SCHWAB STRATEGIC TR | [SCHX](https://holderbook.com/stocks/SCHX/) | $8.5M | 163,157 | 2.6% | 19 |
| SCHWAB STRATEGIC TR | [SCHM](https://holderbook.com/stocks/SCHM/) | $7.2M | 100,713 | 2.2% | 19 |
| SCHWAB STRATEGIC TR | [SCHG](https://holderbook.com/stocks/SCHG/) | $6.4M | 84,747 | 1.9% | 19 |
| VANGUARD ADMIRAL FDS INC | [IVOV](https://holderbook.com/stocks/IVOV/) | $4.8M | 58,014 | 1.4% | 19 |
| DIMENSIONAL ETF TRUST | [DFIV](https://holderbook.com/stocks/DFIV/) | $4.0M | 121,488 | 1.2% | 5 |
| SCHWAB STRATEGIC TR | [SCHA](https://holderbook.com/stocks/SCHA/) | $3.7M | 83,439 | 1.1% | 10 |
| DIMENSIONAL ETF TRUST | [DFUV](https://holderbook.com/stocks/DFUV/) | $3.2M | 92,346 | 1.0% | 3 |
| DIMENSIONAL ETF TRUST | [DFEV](https://holderbook.com/stocks/DFEV/) | $3.0M | 124,616 | 0.9% | 4 |
| VANGUARD ADMIRAL FDS INC | [IVOG](https://holderbook.com/stocks/IVOG/) | $2.5M | 26,571 | 0.7% | 19 |
| ISHARES TR | [IJH](https://holderbook.com/stocks/IJH/) | $2.4M | 9,206 | 0.7% | 19 |
| VANGUARD SCOTTSDALE FDS | [VTWG](https://holderbook.com/stocks/VTWG/) | $2.3M | 13,305 | 0.7% | 19 |
| ISHARES TR | [IVV](https://holderbook.com/stocks/IVV/) | $2.3M | 5,241 | 0.7% | 19 |
| VANGUARD SCOTTSDALE FDS | [VTWV](https://holderbook.com/stocks/VTWV/) | $2.3M | 18,679 | 0.7% | 19 |
| DIMENSIONAL ETF TRUST | [DFAI](https://holderbook.com/stocks/DFAI/) | $1.7M | 64,026 | 0.5% | 8 |
| VANGUARD INDEX FDS | [VBK](https://holderbook.com/stocks/VBK/) | $1.6M | 6,844 | 0.5% | 19 |
| DIMENSIONAL ETF TRUST | [DISV](https://holderbook.com/stocks/DISV/) | $1.5M | 63,734 | 0.5% | 3 |
| VANGUARD INDEX FDS | [VOE](https://holderbook.com/stocks/VOE/) | $1.5M | 10,847 | 0.5% | 19 |
| SCHWAB STRATEGIC TR | [SCHC](https://holderbook.com/stocks/SCHC/) | $1.5M | 43,670 | 0.4% | 19 |
| SCHWAB STRATEGIC TR | [SCHE](https://holderbook.com/stocks/SCHE/) | $1.5M | 59,755 | 0.4% | 19 |
| VANGUARD ADMIRAL FDS INC | [VOOG](https://holderbook.com/stocks/VOOG/) | $1.3M | 5,132 | 0.4% | 19 |
| SCHWAB STRATEGIC TR | [SCHV](https://holderbook.com/stocks/SCHV/) | $1.3M | 19,036 | 0.4% | 19 |
| VANGUARD INDEX FDS | [VOT](https://holderbook.com/stocks/VOT/) | $1.3M | 6,102 | 0.4% | 19 |
| SCHWAB STRATEGIC TR | [SCHF](https://holderbook.com/stocks/SCHF/) | $1.3M | 35,160 | 0.4% | 19 |
| VANGUARD INDEX FDS | [VBR](https://holderbook.com/stocks/VBR/) | $1.2M | 7,305 | 0.4% | 19 |
| VANGUARD INTL EQUITY INDEX F | [VWO](https://holderbook.com/stocks/VWO/) | $1.2M | 29,698 | 0.4% | 19 |
| DIMENSIONAL ETF TRUST | [DFIS](https://holderbook.com/stocks/DFIS/) | $1.2M | 51,150 | 0.4% | 5 |
| ABBVIE INC | [ABBV](https://holderbook.com/stocks/ABBV/) | $1.1M | 8,230 | 0.3% | 3 |
| VANGUARD INDEX FDS | [VTI](https://holderbook.com/stocks/VTI/) | $992.0K | 4,503 | 0.3% | 2 |
| ABBOTT LABORATORIES | [ABT](https://holderbook.com/stocks/ABT/) | $895.2K | 8,211 | 0.3% | 7 |
| PROCTER & GAMBLE CO | [PG](https://holderbook.com/stocks/PG/) | $856.7K | 5,646 | 0.3% | 7 |
| DIMENSIONAL ETF TRUST | [DFAE](https://holderbook.com/stocks/DFAE/) | $836.6K | 35,661 | 0.3% | 8 |
| VANGUARD ADMIRAL FDS INC | [IVOO](https://holderbook.com/stocks/IVOO/) | $824.8K | 9,314 | 0.2% | 19 |
| MERCK & CO INC | [MRK](https://holderbook.com/stocks/MRK/) | $667.9K | 5,788 | 0.2% | 3 |
| VANGUARD INDEX FDS | [VTV](https://holderbook.com/stocks/VTV/) | $660.0K | 4,644 | 0.2% | 19 |
| ELI LILLY & CO | [LLY](https://holderbook.com/stocks/LLY/) | $583.9K | 1,245 | 0.2% | 3 |
| VANGUARD ADMIRAL FDS INC | [VOOV](https://holderbook.com/stocks/VOOV/) | $579.8K | 3,724 | 0.2% | 19 |
| INVESCO QQQ TR | [QQQ](https://holderbook.com/stocks/QQQ/) | $536.8K | 1,453 | 0.2% | 7 |
| SCHWAB STRATEGIC TR | [FNDC](https://holderbook.com/stocks/FNDC/) | $492.6K | 14,843 | 0.1% | 19 |
| VANGUARD TAX-MANAGED FDS | [VEA](https://holderbook.com/stocks/VEA/) | $481.2K | 10,420 | 0.1% | 19 |
| THE CIGNA GROUP | [CI](https://holderbook.com/stocks/CI/) | $464.7K | 1,656 | 0.1% | 3 |
| AMERICAN CENTY ETF TR | [AVEM](https://holderbook.com/stocks/AVEM/) | $461.1K | 8,569 | 0.1% | 1 |
| VANGUARD BD INDEX FDS | [BND](https://holderbook.com/stocks/BND/) | $457.7K | 6,296 | 0.1% | 1 |
| SPDR SERIES TRUST | [SHM](https://holderbook.com/stocks/SHM/) | $451.8K | 9,604 | 0.1% | 3 |
| DIMENSIONAL ETF TRUST | [DFSU](https://holderbook.com/stocks/DFSU/) | $393.4K | 13,706 | 0.1% | 2 |
| ISHARES TR | [IJR](https://holderbook.com/stocks/IJR/) | $386.0K | 3,874 | 0.1% | 1 |
| MOODYS CORP | [MCO](https://holderbook.com/stocks/MCO/) | $378.3K | 1,088 | 0.1% | 4 |
| DIMENSIONAL ETF TRUST | [DFSV](https://holderbook.com/stocks/DFSV/) | $358.6K | 13,953 | 0.1% | 1 |
| CAMBRIDGE BANCORP | [CATC](https://holderbook.com/stocks/CATC/) | $358.4K | 6,600 | 0.1% | 3 |
| INNOVATOR ETFS TRUST | [PJAN](https://holderbook.com/stocks/PJAN/) | $348.4K | 9,924 | 0.1% | 2 |
| AMERICAN CENTY ETF TR | [AVDV](https://holderbook.com/stocks/AVDV/) | $329.4K | 5,723 | 0.1% | 1 |
| VANGUARD INDEX FDS | [VB](https://holderbook.com/stocks/VB/) | $322.6K | 1,622 | 0.1% | 19 |
| ISHARES TR | [IJK](https://holderbook.com/stocks/IJK/) | $291.0K | 3,880 | 0.1% | 19 |
| TRAVELERS COMPANIES INC | [TRV](https://holderbook.com/stocks/TRV/) | $279.9K | 1,612 | 0.1% | 7 |
| ISHARES TR | [SUB](https://holderbook.com/stocks/SUB/) | $278.9K | 2,681 | 0.1% | 3 |
| SCHWAB STRATEGIC TR | [SCHD](https://holderbook.com/stocks/SCHD/) | $271.0K | 3,732 | 0.1% | 12 |
| LINDE PLC | [LIN](https://holderbook.com/stocks/LIN/) | $270.2K | 709 | 0.1% | 2 |
| INTERNATIONAL BUSINESS MACHS | [IBM](https://holderbook.com/stocks/IBM/) | $249.0K | 1,861 | 0.1% | 7 |
| EXXON MOBIL CORP | [XOMXXXX](https://holderbook.com/stocks/XOMXXXX/) | $226.7K | 2,114 | 0.1% | 3 |
| DIMENSIONAL ETF TRUST | [DFSI](https://holderbook.com/stocks/DFSI/) | $226.3K | 7,431 | 0.1% | 2 |
| ISHARES TR | [IJS](https://holderbook.com/stocks/IJS/) | $225.4K | 2,370 | 0.1% | 3 |
| SCHWAB STRATEGIC TR | [FNDA](https://holderbook.com/stocks/FNDA/) | $216.3K | 4,289 | 0.1% | 19 |
| DIMENSIONAL ETF TRUST | [DFSD](https://holderbook.com/stocks/DFSD/) | $210.7K | 4,545 | 0.1% | 1 |
| ISHARES TR | [IJJ](https://holderbook.com/stocks/IJJ/) | $207.8K | 1,940 | 0.1% | 1 |
| ISHARES TR | [REET](https://holderbook.com/stocks/REET/) | $206.0K | 8,967 | 0.1% | 1 |
| CHEVRON CORPORATION | [CVX](https://holderbook.com/stocks/CVX/) | $204.7K | 1,301 | 0.1% | 3 |
| BIOGEN INC | [BIIB](https://holderbook.com/stocks/BIIB/) | $204.5K | 718 | 0.1% | 1 |
| ISHARES TR | [ICLN](https://holderbook.com/stocks/ICLN/) | $194.1K | 10,550 | 0.1% | 7 |

## 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 2023 | +3.7% | +8.3% | -4.6% | 100% |
| Q1 2023 | +4.7% | +7.0% | -2.3% | 100% |
| Q4 2022 | +9.0% | +7.1% | +1.9% | 100% |
| Q3 2022 | -6.2% | -5.3% | -0.9% | 100% |
| Q2 2022 | -14.5% | -16.5% | +2.0% | 100% |
| Q1 2022 | -5.3% | -4.9% | -0.4% | 100% |
| Q4 2021 | +5.2% | +10.7% | -5.5% | 100% |
| Q3 2021 | -1.5% | +0.3% | -1.7% | 100% |

## Quarter by quarter

| Quarter | Value | Positions |
|---|---|---|
| Q2 2023 | $332.3M | 76 |
| Q1 2023 | $300.2M | 67 |
| Q4 2022 | $270.0M | 66 |
| Q3 2022 | $211.7M | 53 |
| Q2 2022 | $198.3M | 57 |
| Q1 2022 | $194.9M | 55 |
| Q4 2021 | $173.9M | 57 |
| Q3 2021 | $122.0M | 46 |
| Q2 2021 | $117.6M | 47 |
| Q1 2021 | $87.5M | 43 |
| Q4 2020 | $91.5M | 44 |
| Q3 2020 | $229.2M | 55 |