# RCS Financial Planning, LLC

> Institutional holdings reported to the SEC as of Q2 2026 on Form 13F. CIK 1963347. Source: https://holderbook.com/funds/1963347-rcs-financial-planning-llc/

- Reported value: $211.2M
- Positions: 102
- Weight of the ten largest: 59.2%
- Filed: 2026-07-22

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 | [DFAC](https://holderbook.com/stocks/DFAC/) | $31.0M | 698,638 | 14.7% | 15 |
| DIMENSIONAL ETF TRUST | [DFCF](https://holderbook.com/stocks/DFCF/) | $17.5M | 413,979 | 8.3% | 15 |
| FIDELITY MERRIMACK STR TR | [FBND](https://holderbook.com/stocks/FBND/) | $17.0M | 371,465 | 8.0% | 7 |
| DIMENSIONAL ETF TRUST | [DFSV](https://holderbook.com/stocks/DFSV/) | $11.7M | 301,701 | 5.5% | 15 |
| DIMENSIONAL ETF TRUST | [DFIC](https://holderbook.com/stocks/DFIC/) | $11.4M | 306,958 | 5.4% | 15 |
| DIMENSIONAL ETF TRUST | [DUHP](https://holderbook.com/stocks/DUHP/) | $11.1M | 266,126 | 5.3% | 15 |
| DIMENSIONAL ETF TRUST | [DFSD](https://holderbook.com/stocks/DFSD/) | $7.7M | 160,545 | 3.6% | 15 |
| DIMENSIONAL ETF TRUST | [DFEM](https://holderbook.com/stocks/DFEM/) | $6.3M | 155,509 | 3.0% | 10 |
| FIDELITY MERRIMACK STR TR | [FLDR](https://holderbook.com/stocks/FLDR/) | $6.3M | 125,130 | 3.0% | 7 |
| CROWDSTRIKE HLDGS INC | [CRWD](https://holderbook.com/stocks/CRWD/) | $5.0M | 6,608 | 2.4% | 4 |
| VANGUARD MUN BD FDS | [VTEB](https://holderbook.com/stocks/VTEB/) | $4.8M | 94,979 | 2.3% | 15 |
| VANGUARD INDEX FDS | [VUG](https://holderbook.com/stocks/VUG/) | $4.0M | 46,788 | 1.9% | 15 |
| ISHARES TR | [IVV](https://holderbook.com/stocks/IVV/) | $4.0M | 5,337 | 1.9% | 15 |
| APPLE INC | [AAPL](https://holderbook.com/stocks/AAPL/) | $3.9M | 13,374 | 1.8% | 15 |
| AMERICAN CENTY ETF TR | [AVDV](https://holderbook.com/stocks/AVDV/) | $3.1M | 29,877 | 1.5% | 7 |
| VANGUARD INDEX FDS | [VTV](https://holderbook.com/stocks/VTV/) | $2.8M | 12,711 | 1.3% | 15 |
| DIMENSIONAL ETF TRUST | [DFAU](https://holderbook.com/stocks/DFAU/) | $2.6M | 50,501 | 1.2% | 15 |
| ISHARES TR | [MUB](https://holderbook.com/stocks/MUB/) | $2.5M | 23,025 | 1.2% | 15 |
| VANGUARD TAX-MANAGED FDS | [VEA](https://holderbook.com/stocks/VEA/) | $2.2M | 30,855 | 1.0% | 15 |
| DIMENSIONAL ETF TRUST | [DFAR](https://holderbook.com/stocks/DFAR/) | $1.8M | 69,786 | 0.9% | 15 |
| ISHARES TR | [ESGU](https://holderbook.com/stocks/ESGU/) | $1.7M | 10,260 | 0.8% | 15 |
| ISHARES TR | [IUSB](https://holderbook.com/stocks/IUSB/) | $1.5M | 33,269 | 0.7% | 15 |
| ISHARES TR | [SUB](https://holderbook.com/stocks/SUB/) | $1.4M | 13,541 | 0.7% | 15 |
| VANGUARD BD INDEX FDS | [BSV](https://holderbook.com/stocks/BSV/) | $1.4M | 18,496 | 0.7% | 15 |
| ISHARES TR | [SUSC](https://holderbook.com/stocks/SUSC/) | $1.3M | 58,299 | 0.6% | 4 |
| ISHARES TR | [QUAL](https://holderbook.com/stocks/QUAL/) | $1.3M | 6,108 | 0.6% | 14 |
| BLACKROCK ETF TRUST | [LCTU](https://holderbook.com/stocks/LCTU/) | $1.3M | 15,806 | 0.6% | 12 |
| ISHARES TR | [IVW](https://holderbook.com/stocks/IVW/) | $1.2M | 8,837 | 0.6% | 12 |
| FIDELITY MERRIMACK STR TR | [FSEC](https://holderbook.com/stocks/FSEC/) | $1.2M | 27,097 | 0.6% | 2 |
| BLACKROCK ETF TRUST | [DYNF](https://holderbook.com/stocks/DYNF/) | $1.2M | 17,362 | 0.6% | 10 |
| DIMENSIONAL ETF TRUST | [DFAE](https://holderbook.com/stocks/DFAE/) | $1.1M | 26,199 | 0.5% | 15 |
| ISHARES TR | [EAGG](https://holderbook.com/stocks/EAGG/) | $1.0M | 22,013 | 0.5% | 4 |
| SCHWAB STRATEGIC TR | [SCHF](https://holderbook.com/stocks/SCHF/) | $1.0M | 37,376 | 0.5% | 7 |
| SCHWAB STRATEGIC TR | [SCHG](https://holderbook.com/stocks/SCHG/) | $1.0M | 30,012 | 0.5% | 5 |
| VANGUARD INDEX FDS | [VTI](https://holderbook.com/stocks/VTI/) | $1.0M | 2,718 | 0.5% | 15 |
| FIDELITY COVINGTON TRUST | [FIVA](https://holderbook.com/stocks/FIVA/) | $999.4K | 25,944 | 0.5% | 2 |
| VANGUARD INTL EQUITY INDEX F | [VWO](https://holderbook.com/stocks/VWO/) | $998.7K | 16,731 | 0.5% | 15 |
| ISHARES TR | [IVE](https://holderbook.com/stocks/IVE/) | $986.3K | 4,344 | 0.5% | 10 |
| VANGUARD INDEX FDS | [VV](https://holderbook.com/stocks/VV/) | $956.4K | 2,781 | 0.5% | 15 |
| DIMENSIONAL ETF TRUST | [DISV](https://holderbook.com/stocks/DISV/) | $943.1K | 23,502 | 0.4% | 15 |
| ISHARES TR | [IEFA](https://holderbook.com/stocks/IEFA/) | $920.0K | 9,526 | 0.4% | 15 |
| AMERICAN CENTY ETF TR | [AVUV](https://holderbook.com/stocks/AVUV/) | $906.1K | 7,262 | 0.4% | 13 |
| ISHARES INC | [IEMG](https://holderbook.com/stocks/IEMG/) | $899.6K | 10,860 | 0.4% | 14 |
| ISHARES TR | [EFV](https://holderbook.com/stocks/EFV/) | $893.9K | 11,678 | 0.4% | 15 |
| FIDELITY COVINGTON TRUST | [FDRR](https://holderbook.com/stocks/FDRR/) | $884.8K | 13,637 | 0.4% | 2 |
| ISHARES TR | [EFG](https://holderbook.com/stocks/EFG/) | $873.8K | 7,023 | 0.4% | 15 |
| SCHWAB STRATEGIC TR | [SCHZ](https://holderbook.com/stocks/SCHZ/) | $813.6K | 35,174 | 0.4% | 11 |
| FIDELITY COVINGTON TRUST | [FDMO](https://holderbook.com/stocks/FDMO/) | $786.9K | 7,983 | 0.4% | 2 |
| DIMENSIONAL ETF TRUST | [DCOR](https://holderbook.com/stocks/DCOR/) | $759.0K | 9,258 | 0.4% | 10 |
| ISHARES TR | [DSI](https://holderbook.com/stocks/DSI/) | $758.1K | 5,324 | 0.4% | 4 |
| FIDELITY COVINGTON TRUST | [FDEV](https://holderbook.com/stocks/FDEV/) | $754.0K | 21,240 | 0.4% | 2 |
| VANGUARD CHARLOTTE FDS | [BNDX](https://holderbook.com/stocks/BNDX/) | $742.9K | 15,339 | 0.4% | 15 |
| FIDELITY MERRIMACK STR TR | [FCOR](https://holderbook.com/stocks/FCOR/) | $738.1K | 15,593 | 0.3% | 2 |
| VANGUARD WELLINGTON FD | [VTES](https://holderbook.com/stocks/VTES/) | $674.3K | 6,656 | 0.3% | 12 |
| VANGUARD INDEX FDS | [VB](https://holderbook.com/stocks/VB/) | $652.3K | 2,152 | 0.3% | 8 |
| ISHARES TR | [TOPT](https://holderbook.com/stocks/TOPT/) | $648.0K | 19,683 | 0.3% | 1 |
| AMERICAN CENTY ETF TR | [AVUS](https://holderbook.com/stocks/AVUS/) | $643.0K | 5,021 | 0.3% | 6 |
| DIMENSIONAL ETF TRUST | [DFAI](https://holderbook.com/stocks/DFAI/) | $641.9K | 15,562 | 0.3% | 15 |
| ISHARES TR | [OEF](https://holderbook.com/stocks/OEF/) | $625.3K | 1,709 | 0.3% | 15 |
| ISHARES TR | [ESGD](https://holderbook.com/stocks/ESGD/) | $624.2K | 6,071 | 0.3% | 3 |
| CSX CORP | [CSX](https://holderbook.com/stocks/CSX/) | $620.3K | 13,050 | 0.3% | 15 |
| INVESCO EXCH TRADED FD TR II | [SPHB](https://holderbook.com/stocks/SPHB/) | $609.0K | 3,914 | 0.3% | 2 |
| SELECT SECTOR SPDR TR | [XLK](https://holderbook.com/stocks/XLK/) | $581.1K | 3,050 | 0.3% | 5 |
| ISHARES TR | [USXF](https://holderbook.com/stocks/USXF/) | $560.0K | 8,063 | 0.3% | 4 |
| VANGUARD SCOTTSDALE FDS | [VMBS](https://holderbook.com/stocks/VMBS/) | $546.1K | 11,667 | 0.3% | 5 |
| ISHARES TR | [LMUB](https://holderbook.com/stocks/LMUB/) | $528.4K | 10,317 | 0.3% | 2 |
| ISHARES TR | [IAGG](https://holderbook.com/stocks/IAGG/) | $501.2K | 9,904 | 0.2% | 5 |
| SCHWAB STRATEGIC TR | [SCHJ](https://holderbook.com/stocks/SCHJ/) | $495.2K | 20,083 | 0.2% | 4 |
| FIDELITY COVINGTON TRUST | [FDVV](https://holderbook.com/stocks/FDVV/) | $493.2K | 8,180 | 0.2% | 2 |
| J P MORGAN EXCHANGE TRADED F | [JBND](https://holderbook.com/stocks/JBND/) | $492.8K | 9,211 | 0.2% | 2 |
| DIMENSIONAL ETF TRUST | [DFLV](https://holderbook.com/stocks/DFLV/) | $460.0K | 11,633 | 0.2% | 12 |
| DIMENSIONAL ETF TRUST | [DEHP](https://holderbook.com/stocks/DEHP/) | $443.0K | 10,357 | 0.2% | 15 |
| SPDR INDEX SHS FDS | [SPEM](https://holderbook.com/stocks/SPEM/) | $440.0K | 8,497 | 0.2% | 4 |
| BLACKROCK ETF TRUST | [BAI](https://holderbook.com/stocks/BAI/) | $422.9K | 8,022 | 0.2% | 5 |
| BLACKROCK ETF TRUST | [BLCR](https://holderbook.com/stocks/BLCR/) | $413.9K | 8,218 | 0.2% | 2 |
| FIDELITY COVINGTON TRUST | [FVAL](https://holderbook.com/stocks/FVAL/) | $406.7K | 5,218 | 0.2% | 1 |
| BLACKROCK ETF TRUST | [THRO](https://holderbook.com/stocks/THRO/) | $386.1K | 8,957 | 0.2% | 5 |
| STATE STR SPDR S&P 500 ETF T | [SPY](https://holderbook.com/stocks/SPY/) | $384.5K | 514 | 0.2% | 2 |
| DIMENSIONAL ETF TRUST | [DFEV](https://holderbook.com/stocks/DFEV/) | $370.8K | 8,691 | 0.2% | 15 |
| FIDELITY MERRIMACK STR TR | [FLDB](https://holderbook.com/stocks/FLDB/) | $341.7K | 6,779 | 0.2% | 2 |
| DIMENSIONAL ETF TRUST | [DIHP](https://holderbook.com/stocks/DIHP/) | $341.6K | 10,009 | 0.2% | 15 |
| FIDELITY COVINGTON TRUST | [FBCG](https://holderbook.com/stocks/FBCG/) | $327.0K | 5,265 | 0.2% | 1 |
| ISHARES TR | [MTUM](https://holderbook.com/stocks/MTUM/) | $321.9K | 939 | 0.2% | 7 |
| ISHARES TR | [IYW](https://holderbook.com/stocks/IYW/) | $321.3K | 1,274 | 0.2% | 15 |
| ISHARES TR | [EVUS](https://holderbook.com/stocks/EVUS/) | $314.7K | 8,964 | 0.1% | 3 |
| INVESCO EXCHANGE TRADED FD T | [RPV](https://holderbook.com/stocks/RPV/) | $314.6K | 2,764 | 0.1% | 2 |
| DIMENSIONAL ETF TRUST | [DGCB](https://holderbook.com/stocks/DGCB/) | $298.3K | 5,457 | 0.1% | 7 |
| ISHARES TR | [ITOT](https://holderbook.com/stocks/ITOT/) | $290.9K | 1,771 | 0.1% | 8 |
| PROCTER & GAMBLE CO | [PG](https://holderbook.com/stocks/PG/) | $289.9K | 1,977 | 0.1% | 15 |
| VANGUARD STAR FDS | [VXUS](https://holderbook.com/stocks/VXUS/) | $286.7K | 3,354 | 0.1% | 5 |
| VANGUARD BD INDEX FDS | [BIV](https://holderbook.com/stocks/BIV/) | $284.5K | 3,709 | 0.1% | 7 |
| VANGUARD INDEX FDS | [VBR](https://holderbook.com/stocks/VBR/) | $283.1K | 1,165 | 0.1% | 5 |
| ISHARES TR | [DMXF](https://holderbook.com/stocks/DMXF/) | $281.0K | 3,322 | 0.1% | 2 |
| VANGUARD BD INDEX FDS | [BLV](https://holderbook.com/stocks/BLV/) | $276.9K | 4,017 | 0.1% | 6 |
| ISHARES TR | [TLH](https://holderbook.com/stocks/TLH/) | $271.1K | 2,702 | 0.1% | 7 |
| BLACKROCK ETF TRUST | [CORO](https://holderbook.com/stocks/CORO/) | $269.7K | 7,368 | 0.1% | 1 |
| NVIDIA CORPORATION | [NVDA](https://holderbook.com/stocks/NVDA/) | $258.7K | 1,293 | 0.1% | 1 |
| VANGUARD SCOTTSDALE FDS | [VCLT](https://holderbook.com/stocks/VCLT/) | $244.1K | 3,244 | 0.1% | 2 |
| BLACKROCK ETF TRUST | [IDEF](https://holderbook.com/stocks/IDEF/) | $243.4K | 7,658 | 0.1% | 2 |
| FIDELITY COVINGTON TRUST | [FQAL](https://holderbook.com/stocks/FQAL/) | $208.9K | 2,568 | 0.1% | 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 | +9.6% | +14.8% | -5.3% | 100% |
| Q1 2026 | -1.2% | -4.6% | +3.4% | 100% |
| Q4 2025 | +1.5% | +2.4% | -0.8% | 100% |
| Q3 2025 | +5.4% | +7.8% | -2.4% | 100% |
| Q2 2025 | +5.8% | +10.5% | -4.6% | 100% |
| Q1 2025 | -0.8% | -4.6% | +3.7% | 100% |
| Q4 2024 | -2.3% | +2.1% | -4.4% | 100% |
| Q3 2024 | +5.3% | +5.4% | -0.2% | 100% |

## Quarter by quarter

| Quarter | Value | Positions |
|---|---|---|
| Q2 2026 | $211.2M | 102 |
| Q1 2026 | $192.8M | 98 |
| Q4 2025 | $232.0M | 90 |
| Q3 2025 | $225.8M | 92 |
| Q2 2025 | $201.1M | 83 |
| Q1 2025 | $189.5M | 76 |
| Q4 2024 | $187.9M | 77 |
| Q3 2024 | $180.1M | 68 |
| Q2 2024 | $169.6M | 69 |
| Q1 2024 | $162.5M | 69 |
| Q4 2023 | $152.8M | 63 |
| Q3 2023 | $130.9M | 60 |