RTD Financial Advisors, Inc.
Reported holdings as of Q3 2026, from 20 quarterly filings.
Holdings
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| Security | Ticker | Value | Shares | Weight | Weight change | Held | Change |
|---|---|---|---|---|---|---|---|
| ISHARES TR | IVV | $117.2M | 153,036 | +0.43pp | 20q | +0.9%+$994.1K | |
| ISHARES TR | IJH | $46.2M | 642,209 | -0.33pp | 12q | HELD | |
| ISHARES TR | IWF | $44.9M | 358,785 | +0.03pp | 20q | -0.7%-$305.9K | |
| INVESCO ACTIVELY MANAGED EXC | GTO | $40.5M | 909,335 | +0.01pp | 20q | +4.9%+$1.9M | |
| ISHARES TR | IWB | $38.7M | 93,063 | +0.06pp | 20q | HELD | |
| ISHARES TR | IJR | $36.3M | 267,047 | -0.42pp | 20q | -1.6%-$595.9K | |
| ISHARES TR | IWX | $31.7M | 289,542 | +0.26pp | 4q | +3.5%+$1.1M | |
| ISHARES TR | IWP | $27.1M | 196,875 | -0.15pp | 20q | +0.7%+$197.8K | |
| ISHARES TR | IWY | $25.4M | 86,137 | +0.22pp | 4q | +6.9%+$1.6M | |
| ISHARES TR | IWS | $22.8M | 141,776 | -0.09pp | 20q | -1.3%-$309.9K | |
| ISHARES TR | EFG | $21.5M | 179,564 | -0.12pp | 20q | -1.5%-$332.5K | |
| ISHARES TR | IWD | $19.3M | 77,821 | +0.02pp | 20q | -1.8%-$357.8K | |
| VANGUARD INDEX FDS | VO | $19.2M | 244,829 | -0.15pp | 7q | -4.6%-$928.3K | |
| ISHARES TR | IVE | $16.9M | 73,850 | flat | 20q | -0.9%-$156.1K | |
| ISHARES TR | MUB | $15.7M | 155,559 | -0.23pp | 16q | -6.2%-$1.0M | |
| ISHARES TR | IWM | $15.7M | 56,384 | -0.17pp | 20q | -1.8%-$280.1K | |
| VANGUARD INTL EQUITY INDEX F | VWO | $15.5M | 261,193 | -0.01pp | 20q | HELD | |
| ISHARES TR | TIP | $14.9M | 143,239 | -0.07pp | 20q | +0.6%+$85.4K | |
| ISHARES TR | SCZ | $14.3M | 169,009 | +0.04pp | 20q | HELD | |
| ISHARES TR | IWO | $13.8M | 38,791 | -0.18pp | 20q | -1.9%-$263.7K | |
| ISHARES TR | IJT | $13.7M | 85,494 | -0.23pp | 20q | -3.6%-$506.5K | |
| ISHARES TR | SGOV | $13.3M | 131,939 | - | new | NEW | |
| VANGUARD INDEX FDS | VOE | $13.2M | 67,672 | -0.06pp | 20q | -3.2%-$432.9K | |
| VANGUARD WHITEHALL FDS | VYMI | $12.8M | 126,968 | +0.01pp | 20q | -2.3%-$299.9K | |
| ISHARES TR | EFV | $12.4M | 156,174 | +0.03pp | 20q | -1.2%-$153.2K | |
| DIMENSIONAL ETF TRUST | DFUV | $11.9M | 216,414 | -0.01pp | 18q | -1.0%-$122.8K | |
| VANGUARD INDEX FDS | VOT | $10.6M | 36,126 | -0.07pp | 20q | -1.2%-$123.0K | |
| SCHWAB STRATEGIC TR | SCHX | $10.5M | 348,460 | +0.01pp | 20q | -1.2%-$123.3K | |
| ISHARES TR | IWN | $10.3M | 49,047 | -0.07pp | 20q | -0.9%-$88.2K | |
| VANGUARD WHITEHALL FDS | VIGI | $10.1M | 106,542 | +0.01pp | 20q | HELD | |
| VANGUARD INTL EQUITY INDEX F | VSS | $9.9M | 63,872 | flat | 20q | -0.6%-$59.6K | |
| NEW YORK LIFE INVTS ACTIVE E | MMIN | $9.8M | 441,046 | -0.31pp | 20q | -16.0%-$1.9M | |
| INVESCO EXCH TRADED FD TR II | PXF | $9.6M | 126,061 | flat | 20q | -0.7%-$70.8K | |
| ISHARES TR | IJS | $9.5M | 74,269 | -0.11pp | 20q | -3.5%-$347.5K | |
| VANGUARD INDEX FDS | VBR | $8.1M | 34,888 | -0.07pp | 20q | -3.1%-$257.6K | |
| ISHARES TR | EEM | $7.6M | 114,149 | -0.03pp | 20q | -2.0%-$155.4K | |
| VANGUARD BD INDEX FDS | BND | $7.6M | 108,153 | +0.01pp | 20q | +6.0%+$427.0K | |
| VANGUARD MUN BD FDS | VTEB | $7.4M | 155,857 | -0.16pp | 16q | -11.1%-$919.4K | |
| DIMENSIONAL ETF TRUST | DFIV | $5.8M | 104,297 | +0.21pp | 20q | +45.1%+$1.8M | |
| VANGUARD INDEX FDS | VB | $5.6M | 19,812 | -0.06pp | 20q | -3.5%-$206.5K | |
| SPDR INDEX SHS FDS | GWX | $5.5M | 120,797 | +0.01pp | 20q | -3.3%-$186.7K | |
| SCHWAB STRATEGIC TR | SCHG | $5.4M | 149,487 | +0.03pp | 20q | -1.6%-$84.8K | |
| DIMENSIONAL ETF TRUST | DFAT | $4.9M | 74,049 | -0.04pp | 20q | -2.0%-$100.5K | |
| ISHARES TR | IVW | $4.8M | 33,683 | +0.02pp | 20q | HELD | |
| VANGUARD INDEX FDS | VBK | $4.5M | 13,418 | -0.05pp | 20q | -1.5%-$69.6K | |
| SPDR SERIES TRUST | MDYV | $4.3M | 48,988 | -0.07pp | 20q | -6.9%-$323.8K | |
| DIMENSIONAL ETF TRUST | DFEM | $4.1M | 103,857 | +0.14pp | 4q | +48.1%+$1.3M | |
| HARTFORD FDS EXCHANGE TRADED | HMOP | $3.8M | 103,705 | +0.11pp | 4q | +45.7%+$1.2M | |
| VANGUARD TAX-MANAGED FDS | VEA | $3.6M | 51,222 | -0.01pp | 20q | -1.5%-$53.5K | |
| SCHWAB STRATEGIC TR | SCHB | $3.4M | 116,111 | flat | 20q | -2.3%-$81.9K | |
| ISHARES TR | AOA | $3.4M | 34,927 | +0.08pp | 20q | +26.9%+$720.0K | |
| ISHARES TR | EAGG | $3.2M | 71,078 | flat | 20q | +4.3%+$132.3K | |
| DIMENSIONAL ETF TRUST | DISV | $3.2M | 73,586 | +0.14pp | 4q | +56.3%+$1.1M | |
| ISHARES TR | ESGD | $2.9M | 27,789 | flat | 20q | -0.6%-$16.7K | |
| STATE STR SPDR S&P 500 ETF T | SPY | $2.8M | 3,645 | flat | 20q | -3.1%-$87.7K | |
| VANGUARD INDEX FDS | VTV | $2.6M | 12,046 | flat | 20q | HELD | |
| SPDR INDEX SHS FDS | SPEM | $2.6M | 50,246 | flat | 20q | -1.0%-$25.3K | |
| VANGUARD INDEX FDS | VUG | $2.6M | 28,740 | +0.01pp | 20q | HELD | |
| APPLE INC | AAPL | $2.3M | 6,862 | +0.02pp | 20q | -6.6%-$160.5K | |
| VANGUARD INDEX FDS | VV | $2.1M | 6,025 | +0.01pp | 20q | HELD | |
| VANGUARD INDEX FDS | VTI | $2.1M | 5,519 | -0.05pp | 20q | -19.8%-$510.8K | |
| ISHARES TR | ESGU | $1.8M | 10,869 | +0.01pp | 20q | +2.5%+$44.9K | |
| INTERNATIONAL BUSINESS MACHS | IBM | $1.8M | 8,233 | -0.01pp | 7q | +24.1%+$351.9K | |
| ISHARES TR | AOR | $1.7M | 24,447 | -0.02pp | 20q | -7.1%-$128.3K | |
| PFIZER INC | PFE | $1.7M | 58,168 | +0.03pp | 20q | HELD | |
| J P MORGAN EXCHANGE TRADED F | JMUB | $1.6M | 34,223 | - | new | NEW | |
| ISHARES TR | XJH | $1.5M | 31,501 | -0.01pp | 9q | -1.9%-$29.4K | |
| BERKSHIRE HATHAWAY INC DEL | BRKA | $1.5M | 2 | +0.08pp | 7q | +100.0%+$747.0K | |
| EXXONMOBIL HOLDINGS CORP COM SHS | XOM | $1.4M | 8,659 | - | new | NEW | |
| ALPHABET INC | GOOG | $1.4M | 4,091 | -0.04pp | 20q | -19.1%-$329.2K | |
| ISHARES INC | ESGE | $1.3M | 23,924 | flat | 20q | -2.7%-$36.3K | |
| BLACKROCK ETF TRUST II | INMU | $1.3M | 56,304 | - | new | NEW | |
| VANGUARD SPECIALIZED FUNDS | VIG | $1.0M | 4,350 | -0.02pp | 13q | -14.5%-$172.6K | |
| VANGUARD INDEX FDS | VNQ | $971.8K | 10,843 | -0.02pp | 20q | -11.5%-$126.5K | |
| NUSHARES ETF TR | NUSC | $904.1K | 18,632 | -0.01pp | 20q | -0.8%-$6.9K | |
| NUSHARES ETF TR | NUMV | $897.9K | 21,211 | -0.01pp | 20q | -2.8%-$25.4K | |
| TREX INC | TREX | $895.9K | 20,568 | -0.01pp | 20q | HELD | |
| VANGUARD INTL EQUITY INDEX F | VEU | $795.0K | 9,582 | flat | 20q | -1.1%-$8.6K | |
| NEXTERA ENERGY INC | NEE | $719.2K | 9,496 | -0.01pp | 15q | -0.6%-$4.5K | |
| ISHARES TR | ACWI | $714.4K | 4,500 | flat | 3q | HELD | |
| STATE STR SPDR S&P MIDCAP 40 | MDY | $697.5K | 1,062 | -0.01pp | 20q | HELD | |
| NUSHARES ETF TR | NULG | $694.1K | 6,105 | flat | 20q | -1.4%-$9.9K | |
| JOHNSON & JOHNSON | JNJ | $679.9K | 2,568 | flat | 20q | HELD | |
| NUSHARES ETF TR | NUMG | $653.5K | 14,446 | flat | 20q | -0.9%-$5.9K | |
| JPMORGAN CHASE & CO | JPM | $652.4K | 1,972 | -0.01pp | 2q | -12.0%-$88.7K | |
| SELECT SECTOR SPDR TR | XLV | $624.2K | 3,706 | flat | 20q | HELD | |
| ONTO INNOVATION INC | ONTO | $615.6K | 2,000 | -0.02pp | 14q | HELD | |
| CHEVRON CORPORATION | CVX | $578.7K | 2,834 | +0.01pp | 12q | HELD | |
| MERCK & CO INC | MRK | $570.8K | 3,928 | +0.01pp | 20q | -0.6%-$3.5K | |
| WEST PHARMACEUTICAL SVSC INC | WST | $565.0K | 1,524 | flat | 10q | HELD | |
| SELECT SECTOR SPDR TR | XLK | $560.2K | 2,862 | flat | 16q | -4.7%-$27.6K | |
| MICROSOFT CORP | MSFT | $557.0K | 1,086 | flat | 20q | -25.4%-$189.8K | |
| LOCKHEED MARTIN CORP | LMT | $546.9K | 1,074 | - | new | NEW | |
| NUSHARES ETF TR | NULV | $512.6K | 9,736 | flat | 20q | -1.9%-$10.0K | |
| VANGUARD WHITEHALL FDS | VYM | $489.3K | 3,153 | - | new | NEW | |
| ELI LILLY & CO | LLY | $486.0K | 420 | -0.01pp | 4q | -8.9%-$47.4K | |
| PUBLIC SVC ENTERPRISE GROUP | PEG | $480.1K | 7,130 | -0.01pp | 12q | -4.5%-$22.6K | |
| VANGUARD INDEX FDS | VOO | $471.0K | 672 | - | new | NEW | |
| INVESCO EXCHANGE TRADED FD T | RPG | $426.5K | 7,306 | flat | 20q | HELD | |
| ISHARES TR | IEFA | $424.4K | 4,381 | flat | 6q | -1.0%-$4.2K | |
| WISDOMTREE TR | DGRW | $413.5K | 4,252 | flat | 3q | HELD | |
| VANGUARD WORLD FD | ESGV | $408.9K | 3,017 | flat | 6q | HELD | |
| ISHARES TR | AOM | $408.5K | 8,381 | flat | 20q | HELD | |
| ISHARES TR | EFA | $371.1K | 3,572 | -0.01pp | 20q | -18.1%-$82.2K | |
| ALBEMARLE CORP | ALB | $365.0K | 3,450 | -0.01pp | 20q | HELD | |
| ESSENTIAL UTILS INC | WTRG | $362.0K | 9,238 | +0.01pp | 20q | +30.1%+$83.7K | |
| ARISTA NETWORKS INC | ANET | $358.3K | 1,760 | - | new | NEW | |
| UNION PAC CORP | UNP | $338.2K | 1,243 | flat | 20q | HELD | |
| SCHWAB STRATEGIC TR | SCHD | $333.0K | 10,237 | - | new | NEW | |
| BRISTOL-MYERS SQUIBB CO | BMY | $325.0K | 5,208 | -0.06pp | 10q | -67.3%-$667.7K | |
| NVIDIA CORPORATION | NVDA | $302.1K | 1,323 | -0.02pp | 5q | -44.7%-$244.6K | |
| STRYKER CORPORATION | SYK | $300.7K | 1,092 | flat | 20q | HELD | |
| BOEING CO | BA | $296.9K | 1,596 | -0.01pp | 20q | -0.9%-$2.8K | |
| SPDR SERIES TRUST | MDYG | $285.4K | 2,730 | flat | 20q | -6.1%-$18.6K | |
| BANK OF AMER CORP | BAC | $279.3K | 5,131 | flat | 6q | -8.0%-$24.3K | |
| VANGUARD INTL EQUITY INDEX F | VT | $278.7K | 1,766 | flat | 9q | -6.1%-$18.0K | |
| ALPHABET INC | GOOGL | $256.3K | 745 | -0.03pp | 4q | -47.0%-$227.1K | |
| UNITEDHEALTH GROUP INC | UNH | $251.4K | 685 | flat | 2q | HELD | |
| COLGATE PALMOLIVE CO | CL | $241.2K | 2,827 | flat | 3q | HELD | |
| MCDONALDS CORP | MCD | $240.9K | 1,043 | flat | 20q | HELD | |
| OMEROS CORP | OMER | $222.8K | 11,700 | +0.01pp | 2q | HELD | |
| ISHARES TR | ESML | $216.5K | 4,164 | flat | 2q | -1.4%-$3.0K | |
| WISDOMTREE TR | EZM | $203.6K | 2,842 | flat | 3q | HELD | |
| ALTRIA GROUP INC | MO | $200.7K | 2,981 | - | new | NEW |
By sector
Industry comes from the SIC code on each company's own SEC filings, which is self-reported and sometimes out of date. Derivative exposure is counted with the shares. Securities the SEC assigns no industry - funds, trusts, foreign issues - are shown as not classified rather than dropped.
| Sector | Value | Share |
|---|---|---|
| Computer Hardware | $4.5M | 0.5% |
| Other sectors | $20.8M | 2.3% |
| Not classified | $888.7M | 97.2% |
What the disclosed book did
This is not the fund's return. A 13F shows long US equity positions only, so shorts, bonds, foreign listings, private holdings and cash are all invisible here. What this measures is the quarter's change in value of the positions this manager disclosed, had they been left untouched - the return a reader following the filing would have earned.
| 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% |
Market is SPY over the same two quarter ends, priced the same way as everything else here - the median across every filer reporting it. It is a large-cap US proxy, so a manager holding small caps or biotech will beat or trail it for reasons that are not skill. Prices are quarter-end to quarter-end and say nothing about the path in between, or about trades opened and closed inside a quarter.
Quarter by quarter
| Quarter | Value | Positions | New | Added | Trimmed | Exited | Top 10 | Days to file |
|---|---|---|---|---|---|---|---|---|
| Q3 2026 | $914.0M | 124 | 10 | 17 | 67 | 6 | 47.2% | 9 |
| Q2 2026 | $916.9M | 120 | 8 | 41 | 44 | 2 | 47.1% | 13 |
| Q1 2026 | $813.7M | 114 | 5 | 42 | 46 | 4 | 46.5% | 13 |
| Q4 2025 | $819.5M | 113 | 9 | 15 | 62 | 3 | 46.8% | 27 |
| Q3 2025 | $832.1M | 107 | 1 | 29 | 44 | 2 | 49.9% | 14 |
| Q2 2025 | $781.5M | 108 | 5 | 27 | 56 | 14 | 49.8% | 15 |
| Q1 2025 | $743.9M | 117 | 8 | 37 | 50 | 4 | 51.5% | 16 |
| Q4 2024 | $779.5M | 113 | 3 | 37 | 42 | 1 | 53.1% | 21 |
| Q3 2024 | $789.9M | 111 | 4 | 39 | 35 | 0 | 51.4% | 30 |
| Q2 2024 | $743.6M | 107 | 12 | 23 | 40 | 1 | 53.9% | 22 |
| Q1 2024 | $743.6M | 96 | 0 | 20 | 44 | 3 | 54.0% | 19 |
| Q4 2023 | $712.3M | 99 | 5 | 26 | 46 | 5 | 54.2% | 17 |
| Q3 2023 | $654.8M | 99 | 5 | 25 | 34 | 2 | 53.9% | 19 |
| Q2 2023 | $687.9M | 96 | 5 | 32 | 29 | 0 | 54.5% | 13 |
| Q1 2023 | $646.6M | 91 | 1 | 32 | 32 | 3 | 55.0% | 18 |
| Q4 2022 | $613.4M | 93 | 4 | 30 | 34 | 3 | 54.7% | 24 |
| Q3 2022 | $543.1M | 92 | 1 | 11 | 64 | 17 | 57.1% | 12 |
| Q2 2022 | $651.8M | 108 | 3 | 38 | 41 | 7 | 52.3% | 21 |
| Q1 2022 | $741.0M | 112 | 3 | 64 | 23 | 7 | 55.0% | 33 |
| Q4 2021 | $763.7M | 116 | 0 | 0 | 0 | 0 | 57.0% | 122 |
Rows marked UNVERIFIED ID, PLACEHOLDER ID, TICKER AS ID or NON-CUSIP ID carry an identifier that is not a valid CUSIP. They are shown because the filer reported that money, but treat the security named with caution - hover the chip for what is wrong with it, and see the methodology.
Held counts consecutive filings in which this manager reported the position, and can reach further back than the quarters listed above: the tabs begin at Q4 2018 because earlier coverage is too sparse to describe a market, but tenure is counted over every filing we hold, some reaching to 2007. A position sold and later rebought starts again from one.
Weight change is the shift in this position's share of the whole book, in percentage points. It is the more useful column: when money flows into or out of a broad fund, almost every holding is bought or sold at once, so added and trimmed largely track flows. A weight that rose while the book shrank is a decision. Both compare with the previous quarter this filer reported, not the previous calendar quarter.