# RETIREMENT FINANCIAL SOLUTIONS, LLC

> Institutional holdings reported to the SEC as of Q2 2026 on Form 13F. CIK 1962532. Source: https://holderbook.com/funds/1962532-retirement-financial-solutions-llc/

- Reported value: $406.8M
- Positions: 53
- Weight of the ten largest: 59.1%
- Filed: 2026-07-30

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 |
|---|---|---|---|---|---|
| AMERICAN CENTY ETF TR | [AVUS](https://holderbook.com/stocks/AVUS/) | $45.2M | 353,155 | 11.1% | 3 |
| AMERICAN CENTY ETF TR | [AVSC](https://holderbook.com/stocks/AVSC/) | $28.7M | 391,883 | 7.1% | 4 |
| AMERICAN CENTY ETF TR | [AVUV](https://holderbook.com/stocks/AVUV/) | $27.9M | 223,968 | 6.9% | 4 |
| SPDR SERIES TRUST | [SPYM](https://holderbook.com/stocks/SPYM/) | $24.8M | 282,726 | 6.1% | 11 |
| AMERICAN CENTY ETF TR | [AVEM](https://holderbook.com/stocks/AVEM/) | $24.0M | 248,491 | 5.9% | 3 |
| INVESCO EXCH TRADED FD TR II | [QQQJ](https://holderbook.com/stocks/QQQJ/) | $21.5M | 473,142 | 5.3% | 4 |
| VANGUARD SCOTTSDALE FDS | [VGLT](https://holderbook.com/stocks/VGLT/) | $20.3M | 367,012 | 5.0% | 4 |
| VANGUARD INTL EQUITY INDEX F | [VWO](https://holderbook.com/stocks/VWO/) | $18.8M | 314,873 | 4.6% | 4 |
| SCHWAB STRATEGIC TR | [SCHD](https://holderbook.com/stocks/SCHD/) | $14.9M | 470,729 | 3.7% | 4 |
| VANGUARD WORLD FD | [EDV](https://holderbook.com/stocks/EDV/) | $14.4M | 220,523 | 3.5% | 4 |
| TIDAL TRUST I | [GRNY](https://holderbook.com/stocks/GRNY/) | $13.9M | 503,102 | 3.4% | 2 |
| VANGUARD WORLD FD | [MGC](https://holderbook.com/stocks/MGC/) | $13.8M | 50,416 | 3.4% | 6 |
| SPDR SERIES TRUST | [SPMD](https://holderbook.com/stocks/SPMD/) | $13.7M | 202,058 | 3.4% | 4 |
| STATE STR SPDR DOW JONES IND | [DIA](https://holderbook.com/stocks/DIA/) | $13.6M | 25,945 | 3.3% | 6 |
| INVESCO EXCHANGE TRADED FD T | [RSP](https://holderbook.com/stocks/RSP/) | $13.5M | 63,448 | 3.3% | 6 |
| VANGUARD INTL EQUITY INDEX F | [VEU](https://holderbook.com/stocks/VEU/) | $13.0M | 154,686 | 3.2% | 2 |
| VANECK ETF TRUST | [MOO](https://holderbook.com/stocks/MOO/) | $11.6M | 146,946 | 2.9% | 2 |
| INVESCO ACTIVELY MANAGED EXC | [RSPA](https://holderbook.com/stocks/RSPA/) | $10.4M | 195,187 | 2.6% | 3 |
| INVESCO EXCH TRADED FD TR II | [QQQM](https://holderbook.com/stocks/QQQM/) | $8.3M | 27,380 | 2.0% | 11 |
| SPDR SERIES TRUST | [SPYG](https://holderbook.com/stocks/SPYG/) | $7.2M | 60,801 | 1.8% | 6 |
| INVESCO EXCH TRADED FD TR II | [RWL](https://holderbook.com/stocks/RWL/) | $6.9M | 54,283 | 1.7% | 6 |
| SPDR SERIES TRUST | [SPYV](https://holderbook.com/stocks/SPYV/) | $6.7M | 110,181 | 1.6% | 6 |
| SCHWAB STRATEGIC TR | [SCHP](https://holderbook.com/stocks/SCHP/) | $6.4M | 242,636 | 1.6% | 2 |
| VANGUARD SCOTTSDALE FDS | [VGSH](https://holderbook.com/stocks/VGSH/) | $5.4M | 93,359 | 1.3% | 4 |
| VANGUARD INDEX FDS | [VOO](https://holderbook.com/stocks/VOO/) | $2.3M | 3,294 | 0.6% | 12 |
| USCF ETF TR | [SDCI](https://holderbook.com/stocks/SDCI/) | $1.9M | 72,918 | 0.5% | 1 |
| ISHARES TR | [IEF](https://holderbook.com/stocks/IEF/) | $1.5M | 15,818 | 0.4% | 15 |
| VANGUARD INDEX FDS | [VNQ](https://holderbook.com/stocks/VNQ/) | $1.5M | 15,263 | 0.4% | 12 |
| VANGUARD STAR FDS | [VXUS](https://holderbook.com/stocks/VXUS/) | $1.4M | 16,196 | 0.3% | 12 |
| ISHARES GOLD TRUST MICRO | [IAUM](https://holderbook.com/stocks/IAUM/) | $1.3M | 31,752 | 0.3% | 4 |
| VANGUARD INDEX FDS | [VOE](https://holderbook.com/stocks/VOE/) | $1.0M | 5,269 | 0.3% | 12 |
| GRAYSCALE BITCOIN MINI TR ET | [BTC](https://holderbook.com/stocks/BTC/) | $963.1K | 37,115 | 0.2% | 3 |
| VANGUARD SCOTTSDALE FDS | [VONE](https://holderbook.com/stocks/VONE/) | $844.5K | 2,493 | 0.2% | 12 |
| VANGUARD SCOTTSDALE FDS | [VCIT](https://holderbook.com/stocks/VCIT/) | $789.1K | 9,548 | 0.2% | 4 |
| LITMAN GREGORY FDS TR | [DBMF](https://holderbook.com/stocks/DBMF/) | $768.2K | 25,096 | 0.2% | 12 |
| NVIDIA CORPORATION | [NVDA](https://holderbook.com/stocks/NVDA/) | $753.1K | 3,764 | 0.2% | 9 |
| ALPS ETF TR | [AMLP](https://holderbook.com/stocks/AMLP/) | $743.6K | 14,342 | 0.2% | 12 |
| GRAYSCALE ETHEREUM STAKING | [ETH](https://holderbook.com/stocks/ETH/) | $710.3K | 47,258 | 0.2% | 3 |
| VANGUARD INDEX FDS | [VTI](https://holderbook.com/stocks/VTI/) | $689.8K | 1,864 | 0.2% | 12 |
| BLUEROCK PVT REAL ESTATE FD | [BPRE](https://holderbook.com/stocks/BPRE/) | $590.2K | 45,366 | 0.1% | 3 |
| VANGUARD INDEX FDS | [VO](https://holderbook.com/stocks/VO/) | $532.9K | 6,614 | 0.1% | 15 |
| VANGUARD INDEX FDS | [VBR](https://holderbook.com/stocks/VBR/) | $491.3K | 2,022 | 0.1% | 15 |
| SPDR SERIES TRUST | [SPSM](https://holderbook.com/stocks/SPSM/) | $402.8K | 6,984 | 0.1% | 12 |
| INVESCO ACTIVELY MANAGED EXC | [QQA](https://holderbook.com/stocks/QQA/) | $391.2K | 6,788 | 0.1% | 3 |
| ABRDN SILVER ETF TRUST | [SIVR](https://holderbook.com/stocks/SIVR/) | $341.1K | 6,067 | 0.1% | 4 |
| TEXAS INSTRS INC | [TXN](https://holderbook.com/stocks/TXN/) | $310.9K | 1,043 | 0.1% | 2 |
| DEFINIUM THERAPEUTICS INC | [DFTX](https://holderbook.com/stocks/DFTX/) | $282.2K | 6,000 | 0.1% | 1 |
| WISDOMTREE TR | [HEDJ](https://holderbook.com/stocks/HEDJ/) | $252.9K | 4,437 | 0.1% | 15 |
| TESLA INC | [TSLA](https://holderbook.com/stocks/TSLA/) | $244.8K | 582 | 0.1% | 5 |
| APPLE INC | [AAPL](https://holderbook.com/stocks/AAPL/) | $211.8K | 732 | 0.1% | 1 |
| JPMORGAN CHASE & CO | [JPM](https://holderbook.com/stocks/JPM/) | $209.8K | 641 | 0.1% | 1 |
| J P MORGAN EXCHANGE TRADED F | [JEPI](https://holderbook.com/stocks/JEPI/) | $205.5K | 3,638 | 0.1% | 12 |
| EA SERIES TRUST | [BOXX](https://holderbook.com/stocks/BOXX/) | $201.7K | 1,723 | 0.0% | 2 |

## 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 | +10.6% | +14.8% | -4.2% | 100% |
| Q1 2026 | +0.1% | -4.6% | +4.8% | 100% |
| Q4 2025 | +1.5% | +2.4% | -0.8% | 100% |
| Q3 2025 | +5.8% | +7.8% | -2.0% | 100% |
| Q2 2025 | +5.9% | +10.5% | -4.6% | 100% |
| Q1 2025 | -1.7% | -4.6% | +2.9% | 100% |
| Q4 2024 | -1.6% | +2.1% | -3.7% | 100% |
| Q3 2024 | +6.4% | +5.4% | +1.0% | 100% |

## Quarter by quarter

| Quarter | Value | Positions |
|---|---|---|
| Q2 2026 | $406.8M | 53 |
| Q1 2026 | $349.8M | 53 |
| Q4 2025 | $341.6M | 47 |
| Q3 2025 | $483.2M | 55 |
| Q2 2025 | $284.1M | 38 |
| Q1 2025 | $256.9M | 37 |
| Q4 2024 | $185.5M | 37 |
| Q3 2024 | $228.4M | 40 |
| Q2 2024 | $212.5M | 40 |
| Q1 2024 | $194.5M | 40 |
| Q4 2023 | $176.5M | 47 |
| Q3 2023 | $148.3M | 38 |