# Clear Retirement Advice LLC

> Institutional holdings reported to the SEC as of Q2 2026 on Form 13F. CIK 2112984. Source: https://holderbook.com/funds/2112984-clear-retirement-advice-llc/

- Reported value: $146.0M
- Positions: 54
- Weight of the ten largest: 68.8%
- Filed: 2026-07-15

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 |
|---|---|---|---|---|---|
| SCHWAB STRATEGIC TR | [SCHO](https://holderbook.com/stocks/SCHO/) | $16.2M | 669,894 | 11.1% | 3 |
| SPDR INDEX SHS FDS | [SPDW](https://holderbook.com/stocks/SPDW/) | $15.6M | 308,661 | 10.7% | 3 |
| ISHARES TR | [ITOT](https://holderbook.com/stocks/ITOT/) | $14.9M | 90,621 | 10.2% | 3 |
| INVESCO EXCH TRADED FD TR II | [TBLL](https://holderbook.com/stocks/TBLL/) | $12.9M | 121,931 | 8.8% | 3 |
| VANGUARD INDEX FDS | [VBR](https://holderbook.com/stocks/VBR/) | $8.4M | 34,691 | 5.8% | 3 |
| ISHARES TR | [IGSB](https://holderbook.com/stocks/IGSB/) | $8.0M | 151,850 | 5.4% | 3 |
| VANGUARD INDEX FDS | [VBK](https://holderbook.com/stocks/VBK/) | $7.2M | 19,585 | 4.9% | 3 |
| VANGUARD INTL EQUITY INDEX F | [VWO](https://holderbook.com/stocks/VWO/) | $6.3M | 105,818 | 4.3% | 3 |
| ETFS GOLD TR | [SGOL](https://holderbook.com/stocks/SGOL/) | $5.6M | 146,485 | 3.8% | 3 |
| SPDR SERIES TRUST | [SPYV](https://holderbook.com/stocks/SPYV/) | $5.4M | 89,583 | 3.7% | 3 |
| VANGUARD INDEX FDS | [VTI](https://holderbook.com/stocks/VTI/) | $5.2M | 13,943 | 3.5% | 3 |
| SPDR SERIES TRUST | [SPYG](https://holderbook.com/stocks/SPYG/) | $4.6M | 38,534 | 3.1% | 3 |
| VANGUARD TAX-MANAGED FDS | [VEA](https://holderbook.com/stocks/VEA/) | $3.0M | 42,061 | 2.1% | 3 |
| VANGUARD SCOTTSDALE FDS | [VCSH](https://holderbook.com/stocks/VCSH/) | $2.8M | 35,181 | 1.9% | 3 |
| SCHWAB STRATEGIC TR | [SCHF](https://holderbook.com/stocks/SCHF/) | $2.4M | 87,339 | 1.7% | 3 |
| SCHWAB STRATEGIC TR | [SCHB](https://holderbook.com/stocks/SCHB/) | $2.3M | 79,270 | 1.6% | 3 |
| ISHARES INC | [IEMG](https://holderbook.com/stocks/IEMG/) | $2.2M | 26,217 | 1.5% | 3 |
| ISHARES GOLD TR | [IAU](https://holderbook.com/stocks/IAU/) | $2.1M | 27,941 | 1.4% | 3 |
| SCHWAB STRATEGIC TR | [SCHV](https://holderbook.com/stocks/SCHV/) | $2.0M | 57,373 | 1.4% | 3 |
| APPLE INC | [AAPL](https://holderbook.com/stocks/AAPL/) | $1.9M | 6,525 | 1.3% | 3 |
| SPDR SERIES TRUST | [SLYG](https://holderbook.com/stocks/SLYG/) | $1.4M | 11,909 | 1.0% | 3 |
| VANGUARD WORLD FD | [VGT](https://holderbook.com/stocks/VGT/) | $1.1M | 8,992 | 0.7% | 3 |
| ISHARES TR | [SHY](https://holderbook.com/stocks/SHY/) | $996.0K | 12,130 | 0.7% | 3 |
| SCHWAB STRATEGIC TR | [SCHG](https://holderbook.com/stocks/SCHG/) | $992.8K | 29,337 | 0.7% | 3 |
| SPDR SERIES TRUST | [SLYV](https://holderbook.com/stocks/SLYV/) | $885.0K | 8,111 | 0.6% | 3 |
| VANGUARD INDEX FDS | [VTV](https://holderbook.com/stocks/VTV/) | $838.6K | 3,848 | 0.6% | 3 |
| VANGUARD SCOTTSDALE FDS | [VTWV](https://holderbook.com/stocks/VTWV/) | $706.1K | 3,613 | 0.5% | 3 |
| VISA INC | [V](https://holderbook.com/stocks/V/) | $687.2K | 2,003 | 0.5% | 3 |
| ALPHABET INC | [GOOGL](https://holderbook.com/stocks/GOOGL/) | $677.9K | 1,897 | 0.5% | 3 |
| ALPHABET INC | [GOOG](https://holderbook.com/stocks/GOOG/) | $654.4K | 1,852 | 0.4% | 3 |
| STATE STR SPDR S&P 500 ETF T | [SPY](https://holderbook.com/stocks/SPY/) | $652.7K | 874 | 0.4% | 3 |
| SCHWAB STRATEGIC TR | [SCHH](https://holderbook.com/stocks/SCHH/) | $573.9K | 24,235 | 0.4% | 3 |
| MASTERCARD INCORPORATED | [MA](https://holderbook.com/stocks/MA/) | $528.5K | 1,029 | 0.4% | 3 |
| SELECT SECTOR SPDR TR | [XLI](https://holderbook.com/stocks/XLI/) | $440.3K | 2,377 | 0.3% | 3 |
| VANGUARD INDEX FDS | [VUG](https://holderbook.com/stocks/VUG/) | $409.9K | 4,759 | 0.3% | 3 |
| SELECT SECTOR SPDR TR | [XLY](https://holderbook.com/stocks/XLY/) | $393.1K | 3,352 | 0.3% | 3 |
| SELECT SECTOR SPDR TR | [XLK](https://holderbook.com/stocks/XLK/) | $391.5K | 2,055 | 0.3% | 3 |
| SPDR INDEX SHS FDS | [SPEM](https://holderbook.com/stocks/SPEM/) | $383.8K | 7,412 | 0.3% | 3 |
| VANECK ETF TRUST | [ITM](https://holderbook.com/stocks/ITM/) | $354.9K | 7,552 | 0.2% | 3 |
| SELECT SECTOR SPDR TR | [XLV](https://holderbook.com/stocks/XLV/) | $354.8K | 2,236 | 0.2% | 3 |
| ISHARES TR | [MUB](https://holderbook.com/stocks/MUB/) | $346.2K | 3,217 | 0.2% | 3 |
| INVESCO EXCHANGE TRADED FD T | [RSP](https://holderbook.com/stocks/RSP/) | $323.2K | 1,519 | 0.2% | 3 |
| SELECT SECTOR SPDR TR | [XLU](https://holderbook.com/stocks/XLU/) | $301.6K | 6,652 | 0.2% | 3 |
| VANGUARD WORLD FD | [VOX](https://holderbook.com/stocks/VOX/) | $300.8K | 1,635 | 0.2% | 3 |
| ISHARES TR | [EFG](https://holderbook.com/stocks/EFG/) | $290.0K | 2,331 | 0.2% | 3 |
| AUTOZONE INC | [AZO](https://holderbook.com/stocks/AZO/) | $284.4K | 89 | 0.2% | 3 |
| ISHARES TR | [IWO](https://holderbook.com/stocks/IWO/) | $275.4K | 699 | 0.2% | 3 |
| JOHNSON & JOHNSON | [JNJ](https://holderbook.com/stocks/JNJ/) | $274.8K | 1,082 | 0.2% | 3 |
| FASTENAL CO | [FAST](https://holderbook.com/stocks/FAST/) | $273.5K | 5,694 | 0.2% | 3 |
| SELECT SECTOR SPDR TR | [XLP](https://holderbook.com/stocks/XLP/) | $249.2K | 3,000 | 0.2% | 3 |
| BERKSHIRE HATHAWAY INC DEL | [BRKB](https://holderbook.com/stocks/BRKB/) | $226.7K | 453 | 0.2% | 2 |
| HOME DEPOT INC | [HD](https://holderbook.com/stocks/HD/) | $226.4K | 642 | 0.2% | 3 |
| CHUBB LIMITED | [CB](https://holderbook.com/stocks/CB/) | $223.5K | 656 | 0.2% | 3 |
| TJX COS INC NEW | [TJX](https://holderbook.com/stocks/TJX/) | $217.1K | 1,433 | 0.1% | 3 |

## 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 | +7.9% | +14.8% | -6.9% | 100% |
| Q1 2026 | -0.2% | -4.6% | +4.4% | 97% |

## Quarter by quarter

| Quarter | Value | Positions |
|---|---|---|
| Q2 2026 | $146.0M | 54 |
| Q1 2026 | $127.4M | 54 |
| Q4 2025 | $128.6M | 53 |