# Clarity Retirement & Wealth, LLC

> Institutional holdings reported to the SEC as of Q2 2026 on Form 13F. CIK 2103352. Source: https://holderbook.com/funds/2103352-clarity-retirement-wealth-llc/

- Reported value: $144.9M
- Positions: 32
- Weight of the ten largest: 82.3%
- 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 |
|---|---|---|---|---|---|
| FIDELITY COVINGTON TRUST | [FBCG](https://holderbook.com/stocks/FBCG/) | $28.3M | 456,289 | 19.6% | 3 |
| CAPITAL GROUP DIVIDEND VALUE | [CGDV](https://holderbook.com/stocks/CGDV/) | $22.1M | 448,307 | 15.2% | 3 |
| FIDELITY COVINGTON TRUST | [FENI](https://holderbook.com/stocks/FENI/) | $15.3M | 381,396 | 10.6% | 3 |
| SPDR SERIES TRUST | [SPYM](https://holderbook.com/stocks/SPYM/) | $12.9M | 147,034 | 8.9% | 3 |
| FIDELITY MERRIMACK STR TR | [FIGB](https://holderbook.com/stocks/FIGB/) | $9.5M | 222,269 | 6.6% | 3 |
| FIDELITY COVINGTON TRUST | [FDEM](https://holderbook.com/stocks/FDEM/) | $9.2M | 254,398 | 6.4% | 3 |
| FIDELITY MERRIMACK STR TR | [FBND](https://holderbook.com/stocks/FBND/) | $9.0M | 198,767 | 6.2% | 3 |
| FIDELITY COVINGTON TRUST | [FFSM](https://holderbook.com/stocks/FFSM/) | $4.3M | 112,926 | 3.0% | 3 |
| T ROWE PRICE EXCHANGE-TRADED | [TFLR](https://holderbook.com/stocks/TFLR/) | $4.3M | 85,235 | 3.0% | 3 |
| PGIM ETF TR | [PHYL](https://holderbook.com/stocks/PHYL/) | $4.3M | 122,668 | 3.0% | 3 |
| FIDELITY MERRIMACK STR TR | [FMUB](https://holderbook.com/stocks/FMUB/) | $3.7M | 72,039 | 2.6% | 2 |
| SPDR GOLD TR | [GLD](https://holderbook.com/stocks/GLD/) | $3.6M | 9,683 | 2.5% | 1 |
| J P MORGAN EXCHANGE TRADED F | [HELO](https://holderbook.com/stocks/HELO/) | $2.4M | 35,039 | 1.6% | 3 |
| ISHARES TR | [IVV](https://holderbook.com/stocks/IVV/) | $2.0M | 2,658 | 1.4% | 3 |
| ABRDN ETFS | [BCI](https://holderbook.com/stocks/BCI/) | $1.8M | 82,126 | 1.3% | 1 |
| VANGUARD INDEX FDS | [VOO](https://holderbook.com/stocks/VOO/) | $1.6M | 2,360 | 1.1% | 3 |
| VANGUARD INDEX FDS | [VTV](https://holderbook.com/stocks/VTV/) | $1.5M | 6,938 | 1.0% | 2 |
| FRANKLIN TEMPLETON ETF TR | [FLMI](https://holderbook.com/stocks/FLMI/) | $1.2M | 48,425 | 0.8% | 2 |
| ISHARES TR | [AGG](https://holderbook.com/stocks/AGG/) | $1.2M | 12,172 | 0.8% | 3 |
| SPDR SERIES TRUST | [SPTL](https://holderbook.com/stocks/SPTL/) | $1.0M | 39,178 | 0.7% | 3 |
| DBX ETF TR | [RVNU](https://holderbook.com/stocks/RVNU/) | $941.3K | 37,192 | 0.6% | 2 |
| SSGA ACTIVE TR | [ALLW](https://holderbook.com/stocks/ALLW/) | $732.6K | 25,030 | 0.5% | 3 |
| INVESCO QQQ TR | [QQQ](https://holderbook.com/stocks/QQQ/) | $696.6K | 546 | 0.5% | 3 |
| J P MORGAN EXCHANGE TRADED F | [JMUB](https://holderbook.com/stocks/JMUB/) | $628.3K | 12,403 | 0.4% | 2 |
| SELECT SECTOR SPDR TR | [XLK](https://holderbook.com/stocks/XLK/) | $526.6K | 2,764 | 0.4% | 3 |
| STATE STR SPDR S&P 500 ETF T | [SPY](https://holderbook.com/stocks/SPY/) | $433.1K | 580 | 0.3% | 3 |
| ISHARES TR | [HEFA](https://holderbook.com/stocks/HEFA/) | $322.4K | 6,871 | 0.2% | 3 |
| INVESCO EXCHANGE TRADED FD T | [RSP](https://holderbook.com/stocks/RSP/) | $303.8K | 1,428 | 0.2% | 1 |
| SPDR INDEX SHS FDS | [SPDW](https://holderbook.com/stocks/SPDW/) | $274.5K | 5,447 | 0.2% | 1 |
| VANGUARD INDEX FDS | [VO](https://holderbook.com/stocks/VO/) | $245.7K | 3,049 | 0.2% | 1 |
| VANGUARD SCOTTSDALE FDS | [VTHR](https://holderbook.com/stocks/VTHR/) | $232.0K | 700 | 0.2% | 3 |
| SELECT SECTOR SPDR TR | [XLF](https://holderbook.com/stocks/XLF/) | $206.2K | 3,846 | 0.1% | 1 |

## 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 | +11.8% | +14.8% | -3.0% | 100% |
| Q1 2026 | -2.2% | -4.6% | +2.5% | 100% |

## Quarter by quarter

| Quarter | Value | Positions |
|---|---|---|
| Q2 2026 | $144.9M | 32 |
| Q1 2026 | $124.0M | 26 |
| Q4 2025 | $113.6M | 33 |