# RTD Financial Advisors, Inc.

> Institutional holdings reported to the SEC as of Q3 2026 on Form 13F. CIK 1810555. Source: https://holderbook.com/funds/1810555-rtd-financial-advisors-inc/

- Reported value: $914.0M
- Positions: 124
- Weight of the ten largest: 47.2%
- Filed: 2026-10-09

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 |
|---|---|---|---|---|---|
| ISHARES TR | [IVV](https://holderbook.com/stocks/IVV/) | $117.2M | 153,036 | 12.8% | 20 |
| ISHARES TR | [IJH](https://holderbook.com/stocks/IJH/) | $46.2M | 642,209 | 5.1% | 12 |
| ISHARES TR | [IWF](https://holderbook.com/stocks/IWF/) | $44.9M | 358,785 | 4.9% | 20 |
| INVESCO ACTIVELY MANAGED EXC | [GTO](https://holderbook.com/stocks/GTO/) | $40.5M | 909,335 | 4.4% | 20 |
| ISHARES TR | [IWB](https://holderbook.com/stocks/IWB/) | $38.7M | 93,063 | 4.2% | 20 |
| ISHARES TR | [IJR](https://holderbook.com/stocks/IJR/) | $36.3M | 267,047 | 4.0% | 20 |
| ISHARES TR | [IWX](https://holderbook.com/stocks/IWX/) | $31.7M | 289,542 | 3.5% | 4 |
| ISHARES TR | [IWP](https://holderbook.com/stocks/IWP/) | $27.1M | 196,875 | 3.0% | 20 |
| ISHARES TR | [IWY](https://holderbook.com/stocks/IWY/) | $25.4M | 86,137 | 2.8% | 4 |
| ISHARES TR | [IWS](https://holderbook.com/stocks/IWS/) | $22.8M | 141,776 | 2.5% | 20 |
| ISHARES TR | [EFG](https://holderbook.com/stocks/EFG/) | $21.5M | 179,564 | 2.4% | 20 |
| ISHARES TR | [IWD](https://holderbook.com/stocks/IWD/) | $19.3M | 77,821 | 2.1% | 20 |
| VANGUARD INDEX FDS | [VO](https://holderbook.com/stocks/VO/) | $19.2M | 244,829 | 2.1% | 7 |
| ISHARES TR | [IVE](https://holderbook.com/stocks/IVE/) | $16.9M | 73,850 | 1.8% | 20 |
| ISHARES TR | [MUB](https://holderbook.com/stocks/MUB/) | $15.7M | 155,559 | 1.7% | 16 |
| ISHARES TR | [IWM](https://holderbook.com/stocks/IWM/) | $15.7M | 56,384 | 1.7% | 20 |
| VANGUARD INTL EQUITY INDEX F | [VWO](https://holderbook.com/stocks/VWO/) | $15.5M | 261,193 | 1.7% | 20 |
| ISHARES TR | [TIP](https://holderbook.com/stocks/TIP/) | $14.9M | 143,239 | 1.6% | 20 |
| ISHARES TR | [SCZ](https://holderbook.com/stocks/SCZ/) | $14.3M | 169,009 | 1.6% | 20 |
| ISHARES TR | [IWO](https://holderbook.com/stocks/IWO/) | $13.8M | 38,791 | 1.5% | 20 |
| ISHARES TR | [IJT](https://holderbook.com/stocks/IJT/) | $13.7M | 85,494 | 1.5% | 20 |
| ISHARES TR | [SGOV](https://holderbook.com/stocks/SGOV/) | $13.3M | 131,939 | 1.5% | 1 |
| VANGUARD INDEX FDS | [VOE](https://holderbook.com/stocks/VOE/) | $13.2M | 67,672 | 1.4% | 20 |
| VANGUARD WHITEHALL FDS | [VYMI](https://holderbook.com/stocks/VYMI/) | $12.8M | 126,968 | 1.4% | 20 |
| ISHARES TR | [EFV](https://holderbook.com/stocks/EFV/) | $12.4M | 156,174 | 1.4% | 20 |
| DIMENSIONAL ETF TRUST | [DFUV](https://holderbook.com/stocks/DFUV/) | $11.9M | 216,414 | 1.3% | 18 |
| VANGUARD INDEX FDS | [VOT](https://holderbook.com/stocks/VOT/) | $10.6M | 36,126 | 1.2% | 20 |
| SCHWAB STRATEGIC TR | [SCHX](https://holderbook.com/stocks/SCHX/) | $10.5M | 348,460 | 1.1% | 20 |
| ISHARES TR | [IWN](https://holderbook.com/stocks/IWN/) | $10.3M | 49,047 | 1.1% | 20 |
| VANGUARD WHITEHALL FDS | [VIGI](https://holderbook.com/stocks/VIGI/) | $10.1M | 106,542 | 1.1% | 20 |
| VANGUARD INTL EQUITY INDEX F | [VSS](https://holderbook.com/stocks/VSS/) | $9.9M | 63,872 | 1.1% | 20 |
| NEW YORK LIFE INVTS ACTIVE E | [MMIN](https://holderbook.com/stocks/MMIN/) | $9.8M | 441,046 | 1.1% | 20 |
| INVESCO EXCH TRADED FD TR II | [PXF](https://holderbook.com/stocks/PXF/) | $9.6M | 126,061 | 1.1% | 20 |
| ISHARES TR | [IJS](https://holderbook.com/stocks/IJS/) | $9.5M | 74,269 | 1.0% | 20 |
| VANGUARD INDEX FDS | [VBR](https://holderbook.com/stocks/VBR/) | $8.1M | 34,888 | 0.9% | 20 |
| ISHARES TR | [EEM](https://holderbook.com/stocks/EEM/) | $7.6M | 114,149 | 0.8% | 20 |
| VANGUARD BD INDEX FDS | [BND](https://holderbook.com/stocks/BND/) | $7.6M | 108,153 | 0.8% | 20 |
| VANGUARD MUN BD FDS | [VTEB](https://holderbook.com/stocks/VTEB/) | $7.4M | 155,857 | 0.8% | 16 |
| DIMENSIONAL ETF TRUST | [DFIV](https://holderbook.com/stocks/DFIV/) | $5.8M | 104,297 | 0.6% | 20 |
| VANGUARD INDEX FDS | [VB](https://holderbook.com/stocks/VB/) | $5.6M | 19,812 | 0.6% | 20 |
| SPDR INDEX SHS FDS | [GWX](https://holderbook.com/stocks/GWX/) | $5.5M | 120,797 | 0.6% | 20 |
| SCHWAB STRATEGIC TR | [SCHG](https://holderbook.com/stocks/SCHG/) | $5.4M | 149,487 | 0.6% | 20 |
| DIMENSIONAL ETF TRUST | [DFAT](https://holderbook.com/stocks/DFAT/) | $4.9M | 74,049 | 0.5% | 20 |
| ISHARES TR | [IVW](https://holderbook.com/stocks/IVW/) | $4.8M | 33,683 | 0.5% | 20 |
| VANGUARD INDEX FDS | [VBK](https://holderbook.com/stocks/VBK/) | $4.5M | 13,418 | 0.5% | 20 |
| SPDR SERIES TRUST | [MDYV](https://holderbook.com/stocks/MDYV/) | $4.3M | 48,988 | 0.5% | 20 |
| DIMENSIONAL ETF TRUST | [DFEM](https://holderbook.com/stocks/DFEM/) | $4.1M | 103,857 | 0.5% | 4 |
| HARTFORD FDS EXCHANGE TRADED | [HMOP](https://holderbook.com/stocks/HMOP/) | $3.8M | 103,705 | 0.4% | 4 |
| VANGUARD TAX-MANAGED FDS | [VEA](https://holderbook.com/stocks/VEA/) | $3.6M | 51,222 | 0.4% | 20 |
| SCHWAB STRATEGIC TR | [SCHB](https://holderbook.com/stocks/SCHB/) | $3.4M | 116,111 | 0.4% | 20 |
| ISHARES TR | [AOA](https://holderbook.com/stocks/AOA/) | $3.4M | 34,927 | 0.4% | 20 |
| ISHARES TR | [EAGG](https://holderbook.com/stocks/EAGG/) | $3.2M | 71,078 | 0.4% | 20 |
| DIMENSIONAL ETF TRUST | [DISV](https://holderbook.com/stocks/DISV/) | $3.2M | 73,586 | 0.3% | 4 |
| ISHARES TR | [ESGD](https://holderbook.com/stocks/ESGD/) | $2.9M | 27,789 | 0.3% | 20 |
| STATE STR SPDR S&P 500 ETF T | [SPY](https://holderbook.com/stocks/SPY/) | $2.8M | 3,645 | 0.3% | 20 |
| VANGUARD INDEX FDS | [VTV](https://holderbook.com/stocks/VTV/) | $2.6M | 12,046 | 0.3% | 20 |
| SPDR INDEX SHS FDS | [SPEM](https://holderbook.com/stocks/SPEM/) | $2.6M | 50,246 | 0.3% | 20 |
| VANGUARD INDEX FDS | [VUG](https://holderbook.com/stocks/VUG/) | $2.6M | 28,740 | 0.3% | 20 |
| APPLE INC | [AAPL](https://holderbook.com/stocks/AAPL/) | $2.3M | 6,862 | 0.3% | 20 |
| VANGUARD INDEX FDS | [VV](https://holderbook.com/stocks/VV/) | $2.1M | 6,025 | 0.2% | 20 |
| VANGUARD INDEX FDS | [VTI](https://holderbook.com/stocks/VTI/) | $2.1M | 5,519 | 0.2% | 20 |
| ISHARES TR | [ESGU](https://holderbook.com/stocks/ESGU/) | $1.8M | 10,869 | 0.2% | 20 |
| INTERNATIONAL BUSINESS MACHS | [IBM](https://holderbook.com/stocks/IBM/) | $1.8M | 8,233 | 0.2% | 7 |
| ISHARES TR | [AOR](https://holderbook.com/stocks/AOR/) | $1.7M | 24,447 | 0.2% | 20 |
| PFIZER INC | [PFE](https://holderbook.com/stocks/PFE/) | $1.7M | 58,168 | 0.2% | 20 |
| J P MORGAN EXCHANGE TRADED F | [JMUB](https://holderbook.com/stocks/JMUB/) | $1.6M | 34,223 | 0.2% | 1 |
| ISHARES TR | [XJH](https://holderbook.com/stocks/XJH/) | $1.5M | 31,501 | 0.2% | 9 |
| BERKSHIRE HATHAWAY INC DEL | [BRKA](https://holderbook.com/stocks/BRKA/) | $1.5M | 2 | 0.2% | 7 |
| EXXONMOBIL HOLDINGS CORP COM SHS | [XOM](https://holderbook.com/stocks/XOM/) | $1.4M | 8,659 | 0.2% | 1 |
| ALPHABET INC | [GOOG](https://holderbook.com/stocks/GOOG/) | $1.4M | 4,091 | 0.2% | 20 |
| ISHARES INC | [ESGE](https://holderbook.com/stocks/ESGE/) | $1.3M | 23,924 | 0.1% | 20 |
| BLACKROCK ETF TRUST II | [INMU](https://holderbook.com/stocks/INMU/) | $1.3M | 56,304 | 0.1% | 1 |
| VANGUARD SPECIALIZED FUNDS | [VIG](https://holderbook.com/stocks/VIG/) | $1.0M | 4,350 | 0.1% | 13 |
| VANGUARD INDEX FDS | [VNQ](https://holderbook.com/stocks/VNQ/) | $971.8K | 10,843 | 0.1% | 20 |
| NUSHARES ETF TR | [NUSC](https://holderbook.com/stocks/NUSC/) | $904.1K | 18,632 | 0.1% | 20 |
| NUSHARES ETF TR | [NUMV](https://holderbook.com/stocks/NUMV/) | $897.9K | 21,211 | 0.1% | 20 |
| TREX INC | [TREX](https://holderbook.com/stocks/TREX/) | $895.9K | 20,568 | 0.1% | 20 |
| VANGUARD INTL EQUITY INDEX F | [VEU](https://holderbook.com/stocks/VEU/) | $795.0K | 9,582 | 0.1% | 20 |
| NEXTERA ENERGY INC | [NEE](https://holderbook.com/stocks/NEE/) | $719.2K | 9,496 | 0.1% | 15 |
| ISHARES TR | [ACWI](https://holderbook.com/stocks/ACWI/) | $714.4K | 4,500 | 0.1% | 3 |
| STATE STR SPDR S&P MIDCAP 40 | [MDY](https://holderbook.com/stocks/MDY/) | $697.5K | 1,062 | 0.1% | 20 |
| NUSHARES ETF TR | [NULG](https://holderbook.com/stocks/NULG/) | $694.1K | 6,105 | 0.1% | 20 |
| JOHNSON & JOHNSON | [JNJ](https://holderbook.com/stocks/JNJ/) | $679.9K | 2,568 | 0.1% | 20 |
| NUSHARES ETF TR | [NUMG](https://holderbook.com/stocks/NUMG/) | $653.5K | 14,446 | 0.1% | 20 |
| JPMORGAN CHASE & CO | [JPM](https://holderbook.com/stocks/JPM/) | $652.4K | 1,972 | 0.1% | 2 |
| SELECT SECTOR SPDR TR | [XLV](https://holderbook.com/stocks/XLV/) | $624.2K | 3,706 | 0.1% | 20 |
| ONTO INNOVATION INC | [ONTO](https://holderbook.com/stocks/ONTO/) | $615.6K | 2,000 | 0.1% | 14 |
| CHEVRON CORPORATION | [CVX](https://holderbook.com/stocks/CVX/) | $578.7K | 2,834 | 0.1% | 12 |
| MERCK & CO INC | [MRK](https://holderbook.com/stocks/MRK/) | $570.8K | 3,928 | 0.1% | 20 |
| WEST PHARMACEUTICAL SVSC INC | [WST](https://holderbook.com/stocks/WST/) | $565.0K | 1,524 | 0.1% | 10 |
| SELECT SECTOR SPDR TR | [XLK](https://holderbook.com/stocks/XLK/) | $560.2K | 2,862 | 0.1% | 16 |
| MICROSOFT CORP | [MSFT](https://holderbook.com/stocks/MSFT/) | $557.0K | 1,086 | 0.1% | 20 |
| LOCKHEED MARTIN CORP | [LMT](https://holderbook.com/stocks/LMT/) | $546.9K | 1,074 | 0.1% | 1 |
| NUSHARES ETF TR | [NULV](https://holderbook.com/stocks/NULV/) | $512.6K | 9,736 | 0.1% | 20 |
| VANGUARD WHITEHALL FDS | [VYM](https://holderbook.com/stocks/VYM/) | $489.3K | 3,153 | 0.1% | 1 |
| ELI LILLY & CO | [LLY](https://holderbook.com/stocks/LLY/) | $486.0K | 420 | 0.1% | 4 |
| PUBLIC SVC ENTERPRISE GROUP | [PEG](https://holderbook.com/stocks/PEG/) | $480.1K | 7,130 | 0.1% | 12 |
| VANGUARD INDEX FDS | [VOO](https://holderbook.com/stocks/VOO/) | $471.0K | 672 | 0.1% | 1 |
| INVESCO EXCHANGE TRADED FD T | [RPG](https://holderbook.com/stocks/RPG/) | $426.5K | 7,306 | 0.0% | 20 |
| ISHARES TR | [IEFA](https://holderbook.com/stocks/IEFA/) | $424.4K | 4,381 | 0.0% | 6 |

## 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 | +11.9% | +14.8% | -2.9% | 100% |
| Q1 2026 | -1.2% | -4.6% | +3.4% | 100% |
| Q4 2025 | +1.2% | +2.4% | -1.2% | 100% |
| Q3 2025 | +5.9% | +7.8% | -1.9% | 100% |
| Q2 2025 | +7.0% | +10.5% | -3.4% | 100% |
| Q1 2025 | -2.9% | -4.6% | +1.6% | 100% |
| Q4 2024 | -1.5% | +2.1% | -3.6% | 100% |
| Q3 2024 | +7.0% | +5.4% | +1.6% | 100% |

## Quarter by quarter

| Quarter | Value | Positions |
|---|---|---|
| Q3 2026 | $914.0M | 124 |
| Q2 2026 | $916.9M | 120 |
| Q1 2026 | $813.7M | 114 |
| Q4 2025 | $819.5M | 113 |
| Q3 2025 | $832.1M | 107 |
| Q2 2025 | $781.5M | 108 |
| Q1 2025 | $743.9M | 117 |
| Q4 2024 | $779.5M | 113 |
| Q3 2024 | $789.9M | 111 |
| Q2 2024 | $743.6M | 107 |
| Q1 2024 | $743.6M | 96 |
| Q4 2023 | $712.3M | 99 |