# RICHARDSON FINANCIAL SERVICES INC.

> Institutional holdings reported to the SEC as of Q2 2026 on Form 13F. CIK 2012303. Source: https://holderbook.com/funds/2012303-richardson-financial-services-inc/

- Reported value: $176.3M
- Positions: 607
- Weight of the ten largest: 30.1%
- Filed: 2026-08-10

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 |
|---|---|---|---|---|---|
| SPDR SERIES TRUST | [SPYM](https://holderbook.com/stocks/SPYM/) | $8.2M | 93,773 | 4.7% | 11 |
| APPLE INC | [AAPL](https://holderbook.com/stocks/AAPL/) | $8.2M | 28,340 | 4.7% | 11 |
| VANGUARD INDEX FDS | [VTV](https://holderbook.com/stocks/VTV/) | $7.3M | 33,676 | 4.2% | 11 |
| VANGUARD INDEX FDS | [VUG](https://holderbook.com/stocks/VUG/) | $7.2M | 83,175 | 4.1% | 11 |
| NVIDIA CORPORATION | [NVDA](https://holderbook.com/stocks/NVDA/) | $4.9M | 24,306 | 2.8% | 11 |
| ALPHABET INC | [GOOGL](https://holderbook.com/stocks/GOOGL/) | $4.2M | 11,822 | 2.4% | 11 |
| VANGUARD INDEX FDS | [VOO](https://holderbook.com/stocks/VOO/) | $3.5M | 5,068 | 2.0% | 11 |
| SPDR INDEX SHS FDS | [SPDW](https://holderbook.com/stocks/SPDW/) | $3.2M | 63,574 | 1.8% | 11 |
| ISHARES TR | [HYG](https://holderbook.com/stocks/HYG/) | $3.2M | 39,400 | 1.8% | 11 |
| SPDR INDEX SHS FDS | [SPEM](https://holderbook.com/stocks/SPEM/) | $3.1M | 60,590 | 1.8% | 11 |
| VANGUARD TAX-MANAGED FDS | [VEA](https://holderbook.com/stocks/VEA/) | $3.0M | 41,799 | 1.7% | 11 |
| ISHARES TR | [IEUR](https://holderbook.com/stocks/IEUR/) | $2.8M | 37,657 | 1.6% | 11 |
| ISHARES INC | [IEMG](https://holderbook.com/stocks/IEMG/) | $2.7M | 32,678 | 1.5% | 11 |
| MICROSOFT CORP | [MSFT](https://holderbook.com/stocks/MSFT/) | $2.7M | 7,217 | 1.5% | 11 |
| AMAZON COM INC | [AMZN](https://holderbook.com/stocks/AMZN/) | $2.5M | 10,504 | 1.4% | 11 |
| VANGUARD INDEX FDS | [VBK](https://holderbook.com/stocks/VBK/) | $2.3M | 6,204 | 1.3% | 11 |
| ADVANCED MICRO DEVICES INC | [AMD](https://holderbook.com/stocks/AMD/) | $2.2M | 3,851 | 1.3% | 10 |
| JPMORGAN CHASE & CO | [JPM](https://holderbook.com/stocks/JPM/) | $2.0M | 5,983 | 1.1% | 11 |
| VANGUARD INDEX FDS | [VBR](https://holderbook.com/stocks/VBR/) | $1.9M | 7,944 | 1.1% | 11 |
| VANGUARD WORLD FD | [MGK](https://holderbook.com/stocks/MGK/) | $1.7M | 18,832 | 0.9% | 11 |
| ISHARES TR | [SHYG](https://holderbook.com/stocks/SHYG/) | $1.6M | 38,069 | 0.9% | 11 |
| BROADCOM INC | [AVGO](https://holderbook.com/stocks/AVGO/) | $1.5M | 4,100 | 0.9% | 11 |
| MICRON TECHNOLOGY INC | [MU](https://holderbook.com/stocks/MU/) | $1.5M | 1,322 | 0.9% | 10 |
| STATE STR SPDR S&P 500 ETF T | [SPY](https://holderbook.com/stocks/SPY/) | $1.5M | 2,031 | 0.9% | 11 |
| ISHARES TR | [IPAC](https://holderbook.com/stocks/IPAC/) | $1.5M | 18,257 | 0.8% | 11 |
| VANGUARD INDEX FDS | [VB](https://holderbook.com/stocks/VB/) | $1.4M | 4,617 | 0.8% | 11 |
| SPDR SERIES TRUST | [SPSM](https://holderbook.com/stocks/SPSM/) | $1.4M | 24,239 | 0.8% | 11 |
| SPDR SERIES TRUST | [JNK](https://holderbook.com/stocks/JNK/) | $1.2M | 12,546 | 0.7% | 11 |
| J P MORGAN EXCHANGE TRADED F | [BBUS](https://holderbook.com/stocks/BBUS/) | $1.2M | 8,969 | 0.7% | 11 |
| VANGUARD WORLD FD | [MGV](https://holderbook.com/stocks/MGV/) | $1.2M | 7,115 | 0.7% | 11 |
| SPDR SERIES TRUST | [SPMD](https://holderbook.com/stocks/SPMD/) | $1.1M | 16,908 | 0.6% | 11 |
| HOME DEPOT INC | [HD](https://holderbook.com/stocks/HD/) | $1.1M | 3,051 | 0.6% | 11 |
| META PLATFORMS INC | [META](https://holderbook.com/stocks/META/) | $1.1M | 1,907 | 0.6% | 11 |
| ISHARES TR | [IUSB](https://holderbook.com/stocks/IUSB/) | $1.1M | 23,222 | 0.6% | 11 |
| PALO ALTO NETWORKS INC | [PANW](https://holderbook.com/stocks/PANW/) | $1.1M | 3,083 | 0.6% | 11 |
| VANGUARD INTL EQUITY INDEX F | [VWO](https://holderbook.com/stocks/VWO/) | $1.0M | 16,917 | 0.6% | 10 |
| TESLA INC | [TSLA](https://holderbook.com/stocks/TSLA/) | $1.0M | 2,399 | 0.6% | 11 |
| SPDR SERIES TRUST | [SPTL](https://holderbook.com/stocks/SPTL/) | $990.6K | 37,766 | 0.6% | 11 |
| KLA CORP | [KLAC](https://holderbook.com/stocks/KLAC/) | $979.7K | 3,247 | 0.6% | 11 |
| SSGA ACTIVE ETF TR | [SRLN](https://holderbook.com/stocks/SRLN/) | $966.6K | 23,992 | 0.5% | 11 |
| COSTCO WHOLESALE CORPORATION | [COST](https://holderbook.com/stocks/COST/) | $958.9K | 1,025 | 0.5% | 11 |
| SELECT SECTOR SPDR TR | [XLI](https://holderbook.com/stocks/XLI/) | $955.0K | 5,156 | 0.5% | 2 |
| WALMART INC | [WMT](https://holderbook.com/stocks/WMT/) | $925.0K | 8,167 | 0.5% | 11 |
| MCDONALDS CORP | [MCD](https://holderbook.com/stocks/MCD/) | $902.8K | 3,340 | 0.5% | 11 |
| SPDR SERIES TRUST | [CERY](https://holderbook.com/stocks/CERY/) | $896.5K | 26,816 | 0.5% | 7 |
| SELECT SECTOR SPDR TR | [XLC](https://holderbook.com/stocks/XLC/) | $885.3K | 8,264 | 0.5% | 7 |
| ELI LILLY & CO | [LLY](https://holderbook.com/stocks/LLY/) | $879.2K | 733 | 0.5% | 11 |
| SELECT SECTOR SPDR TR | [XLE](https://holderbook.com/stocks/XLE/) | $836.5K | 15,751 | 0.5% | 1 |
| VANGUARD INDEX FDS | [VNQ](https://holderbook.com/stocks/VNQ/) | $822.9K | 8,535 | 0.5% | 11 |
| T-MOBILE US INC | [TMUS](https://holderbook.com/stocks/TMUS/) | $816.7K | 4,869 | 0.5% | 11 |
| ISHARES TR | [IWM](https://holderbook.com/stocks/IWM/) | $787.8K | 2,622 | 0.4% | 11 |
| VANGUARD INDEX FDS | [VTI](https://holderbook.com/stocks/VTI/) | $783.0K | 2,116 | 0.4% | 10 |
| TJX COS INC NEW | [TJX](https://holderbook.com/stocks/TJX/) | $779.9K | 5,148 | 0.4% | 11 |
| SPDR INDEX SHS FDS | [GWX](https://holderbook.com/stocks/GWX/) | $766.7K | 17,521 | 0.4% | 11 |
| THERMO FISHER SCIENTIFIC INC | [TMO](https://holderbook.com/stocks/TMO/) | $747.5K | 1,491 | 0.4% | 11 |
| LINDE PLC | [LIN](https://holderbook.com/stocks/LIN/) | $722.4K | 1,392 | 0.4% | 11 |
| ISHARES TR | [IWR](https://holderbook.com/stocks/IWR/) | $718.2K | 6,510 | 0.4% | 5 |
| EOG RES INC | [EOG](https://holderbook.com/stocks/EOG/) | $710.7K | 5,478 | 0.4% | 11 |
| ISHARES TR | [IJH](https://holderbook.com/stocks/IJH/) | $709.6K | 9,203 | 0.4% | 11 |
| VANGUARD BD INDEX FDS | [BND](https://holderbook.com/stocks/BND/) | $681.4K | 9,282 | 0.4% | 11 |
| VANGUARD MUN BD FDS | [VTEB](https://holderbook.com/stocks/VTEB/) | $680.2K | 13,449 | 0.4% | 5 |
| INTEL CORP | [INTC](https://holderbook.com/stocks/INTC/) | $672.0K | 4,813 | 0.4% | 11 |
| CHUBB LIMITED | [CB](https://holderbook.com/stocks/CB/) | $662.1K | 1,943 | 0.4% | 11 |
| CITIGROUP INC | [C](https://holderbook.com/stocks/C/) | $658.0K | 4,701 | 0.4% | 11 |
| ISHARES TR | [EMB](https://holderbook.com/stocks/EMB/) | $648.4K | 6,723 | 0.4% | 11 |
| VANGUARD CHARLOTTE FDS | [BNDX](https://holderbook.com/stocks/BNDX/) | $632.7K | 13,065 | 0.4% | 11 |
| SYNOPSYS INC | [SNPS](https://holderbook.com/stocks/SNPS/) | $629.4K | 1,411 | 0.4% | 11 |
| SEAGATE TECHNOLOGY HLDNGS PL | [STX](https://holderbook.com/stocks/STX/) | $611.8K | 634 | 0.3% | 11 |
| CISCO SYS INC | [CSCO](https://holderbook.com/stocks/CSCO/) | $609.5K | 5,189 | 0.3% | 11 |
| MASTERCARD INCORPORATED | [MA](https://holderbook.com/stocks/MA/) | $586.5K | 1,142 | 0.3% | 11 |
| EQUINIX INC | [EQIX](https://holderbook.com/stocks/EQIX/) | $584.8K | 561 | 0.3% | 4 |
| BERKSHIRE HATHAWAY INC DEL | [BRKB](https://holderbook.com/stocks/BRKB/) | $581.0K | 1,161 | 0.3% | 11 |
| PIMCO ETF TR | [HYS](https://holderbook.com/stocks/HYS/) | $567.5K | 6,069 | 0.3% | 11 |
| VANGUARD INTL EQUITY INDEX F | [VSS](https://holderbook.com/stocks/VSS/) | $541.2K | 3,507 | 0.3% | 11 |
| ISHARES TR | [IVV](https://holderbook.com/stocks/IVV/) | $533.2K | 712 | 0.3% | 11 |
| VANGUARD INDEX FDS | [VOE](https://holderbook.com/stocks/VOE/) | $526.2K | 2,663 | 0.3% | 11 |
| ISHARES TR | [IEFA](https://holderbook.com/stocks/IEFA/) | $524.3K | 5,429 | 0.3% | 11 |
| J P MORGAN EXCHANGE TRADED F | [BBCA](https://holderbook.com/stocks/BBCA/) | $514.8K | 5,179 | 0.3% | 11 |
| QUANTA SVCS INC | [PWR](https://holderbook.com/stocks/PWR/) | $508.3K | 706 | 0.3% | 3 |
| VANGUARD STAR FDS | [VXUS](https://holderbook.com/stocks/VXUS/) | $506.5K | 5,925 | 0.3% | 10 |
| NEXTERA ENERGY INC | [NEE](https://holderbook.com/stocks/NEE/) | $505.6K | 5,760 | 0.3% | 11 |
| J P MORGAN EXCHANGE TRADED F | [BBIN](https://holderbook.com/stocks/BBIN/) | $504.6K | 6,463 | 0.3% | 11 |
| FRANKLIN TEMPLETON ETF TR | [FLCH](https://holderbook.com/stocks/FLCH/) | $479.5K | 23,490 | 0.3% | 3 |
| PHILIP MORRIS INTL INC | [PM](https://holderbook.com/stocks/PM/) | $460.8K | 2,547 | 0.3% | 11 |
| PARKER-HANNIFIN CORP | [PH](https://holderbook.com/stocks/PH/) | $450.9K | 461 | 0.3% | 11 |
| CINTAS CORP | [CTAS](https://holderbook.com/stocks/CTAS/) | $446.5K | 2,625 | 0.3% | 11 |
| ASML HLDG NV | [ASML](https://holderbook.com/stocks/ASML/) | $443.6K | 223 | 0.3% | 11 |
| ISHARES TR | [USMV](https://holderbook.com/stocks/USMV/) | $440.3K | 4,566 | 0.2% | 11 |
| SPDR GOLD TR | [GLD](https://holderbook.com/stocks/GLD/) | $425.8K | 1,156 | 0.2% | 11 |
| INTERNATIONAL BUSINESS MACHS | [IBM](https://holderbook.com/stocks/IBM/) | $423.2K | 1,505 | 0.2% | 11 |
| VANGUARD INDEX FDS | [VOT](https://holderbook.com/stocks/VOT/) | $422.7K | 1,380 | 0.2% | 11 |
| COCA COLA CO | [KO](https://holderbook.com/stocks/KO/) | $420.6K | 5,175 | 0.2% | 11 |
| PROCTER & GAMBLE CO | [PG](https://holderbook.com/stocks/PG/) | $416.9K | 2,844 | 0.2% | 11 |
| CATERPILLAR INC | [CAT](https://holderbook.com/stocks/CAT/) | $416.4K | 391 | 0.2% | 7 |
| VANGUARD WELLESLEY INCOME FUND ADMIRAL SHARES N/L | - | $408.7K | 6,538 | 0.2% | 5 |
| BANK OF NY MELLON CORP | [BNY](https://holderbook.com/stocks/BNY/) | $407.1K | 2,815 | 0.2% | 4 |
| VISA INC | [V](https://holderbook.com/stocks/V/) | $406.6K | 1,185 | 0.2% | 11 |
| ALTRIA GROUP INC | [MO](https://holderbook.com/stocks/MO/) | $402.3K | 5,591 | 0.2% | 11 |
| SPDR SERIES TRUST | [SPAB](https://holderbook.com/stocks/SPAB/) | $398.9K | 15,629 | 0.2% | 11 |
| VANGUARD INTL EQUITY INDEX F | [VNQI](https://holderbook.com/stocks/VNQI/) | $393.0K | 8,764 | 0.2% | 11 |

## 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 | +11.0% | +14.8% | -3.8% | 99% |
| Q1 2026 | -1.9% | -4.6% | +2.7% | 100% |
| Q4 2025 | +1.7% | +2.4% | -0.7% | 100% |
| Q3 2025 | +6.4% | +7.8% | -1.5% | 99% |
| Q2 2025 | +6.6% | +10.5% | -3.8% | 99% |
| Q1 2025 | -1.7% | -4.6% | +2.8% | 99% |
| Q4 2024 | -1.6% | +2.1% | -3.7% | 103% |
| Q3 2024 | +6.3% | +5.4% | +0.9% | 102% |

## Quarter by quarter

| Quarter | Value | Positions |
|---|---|---|
| Q2 2026 | $176.3M | 607 |
| Q1 2026 | $159.8M | 613 |
| Q4 2025 | $309.4M | 598 |
| Q3 2025 | $161.3M | 513 |
| Q2 2025 | $148.9M | 609 |
| Q1 2025 | $131.4M | 602 |
| Q4 2024 | $142.3M | 606 |
| Q3 2024 | $157.4M | 599 |
| Q2 2024 | $138.9M | 587 |
| Q1 2024 | $141.9M | 620 |
| Q4 2023 | $114.2M | 377 |