CLARITY RETIREMENT & WEALTH, LLC

Filed: 2/11/2026ACC: 0002103352-26-000003

📋 What this filing means

CLARITY RETIREMENT & WEALTH, LLC filed this quarterly 13F‑HR report disclosing 33 equity positions with a total reported market value of $113.61M. This filing provides a transparent view of the manager's long equity holdings as of the quarter end.

Positions

$113.61M

Total AUM (reported)

2.51M

Total Shares

Allocation by class

BLUE CHIP GRWTH$19.86M17.5%

SHS CREATION UNI$15.26M13.4%

STATE STREET SPD$13.34M11.7%

ENHANCED INTL$10.71M9.4%

TOTAL BD ETF$10.23M9.0%

INVESTMENT GR BD$8.35M7.4%

EMERG MKTS MLTFT$6.24M5.5%

Portfolio Concentration

Top 3$47.09M41.4%

4–10$47.74M42.0%

11–25$16.67M14.7%

Rest$2.12M1.9%

Top 3 weight

41.4%

Top 10 weight

83.5%

Voting Authority Distribution

Total shares with voting rights: 2.51M

Sole

Full voting authority

0.00

% of voting shares0.0%

Shared

Joint voting authority

0.00

% of voting shares0.0%

None

No voting authority

2.51M

% of voting shares100.0%

Investment Discretion (by position count)

Sole33

Shared0

Other0

Dominant voting typeNone · 100.0% of voting shares

Institutional Holdings33

Rows:

FIDELITY COVINGTON TRUST

SOLE

BLUE CHIP GRWTH

Shares362.10K

TypeSH

Market value$19.86M

17.48%

Sole

0.00

Shared

0.00

None

362.10K

CAPITAL GROUP DIVIDEND VALUE

SOLE

SHS CREATION UNI

Shares349.72K

TypeSH

Market value$15.26M

13.43%

Sole

0.00

Shared

0.00

None

349.72K

SPDR SERIES TRUST

SOLE

STATE STREET SPD

Shares149.18K

TypeSH

Market value$11.97M

10.53%

Sole

0.00

Shared

0.00

None

149.18K

FIDELITY COVINGTON TRUST

SOLE

ENHANCED INTL

Shares292.89K

TypeSH

Market value$10.71M

9.43%

Sole

0.00

Shared

0.00

None

292.89K

FIDELITY MERRIMACK STR TR

SOLE

TOTAL BD ETF

Shares222.18K

TypeSH

Market value$10.23M

9.00%

Sole

0.00

Shared

0.00

None

222.18K

FIDELITY MERRIMACK STR TR

SOLE

INVESTMENT GR BD

Shares192.29K

TypeSH

Market value$8.35M

7.35%

Sole

0.00

Shared

0.00

None

192.29K

FIDELITY COVINGTON TRUST

SOLE

EMERG MKTS MLTFT

Shares201.96K

TypeSH

Market value$6.24M

5.49%

Sole

0.00

Shared

0.00

None

201.96K

ISHARES TR

SOLE

HDG MSCI EAFE

Shares139.56K

TypeSH

Market value$5.77M

5.08%

Sole

0.00

Shared

0.00

None

139.56K

T ROWE PRICE ETF INC

SOLE

FLOATING RATE

Shares70.82K

TypeSH

Market value$3.64M

3.20%

Sole

0.00

Shared

0.00

None

70.82K

FIDELITY COVINGTON TRUST

SOLE

FUNDAMENTAL SMAL

Shares91.01K

TypeSH

Market value$2.79M

2.46%

Sole

0.00

Shared

0.00

None

91.01K

J P MORGAN EXCHANGE TRADED F

SOLE

HEDGED EQUITY LA

Shares38.39K

TypeSH

Market value$2.55M

2.24%

Sole

0.00

Shared

0.00

None

38.39K

SSGA ACTIVE TR

SOLE

SPDR BRIDGEWATER

Shares87.68K

TypeSH

Market value$2.41M

2.12%

Sole

0.00

Shared

0.00

None

87.68K

PGIM ETF TR

SOLE

ACTV HY BD ETF

Shares62.85K

TypeSH

Market value$2.23M

1.96%

Sole

0.00

Shared

0.00

None

62.85K

ISHARES TR

SOLE

CORE S&P500 ETF

Shares2.96K

TypeSH

Market value$2.03M

1.78%

Sole

0.00

Shared

0.00

None

2.96K

SPDR SERIES TRUST

SOLE

STATE STREET SPD

Shares51.70K

TypeSH

Market value$1.37M

1.20%

Sole

0.00

Shared

0.00

None

51.70K

SSGA ACTIVE TR

SOLE

STATE STREET US

Shares39.02K

TypeSH

Market value$1.26M

1.11%

Sole

0.00

Shared

0.00

None

39.02K

SSGA ACTIVE TR

SOLE

SPDR SSGA IG PUB

Shares42.86K

TypeSH

Market value$1.09M

0.96%

Sole

0.00

Shared

0.00

None

42.86K

SCHWAB STRATEGIC TR

SOLE

FUNDAMENTAL EMER

Shares25.46K

TypeSH

Market value$918.0K

0.81%

Sole

0.00

Shared

0.00

None

25.46K

INVESCO EXCHANGE TRADED FD T

SOLE

S&P MDCP QUALITY

Shares5.69K

TypeSH

Market value$582.4K

0.51%

Sole

0.00

Shared

0.00

None

5.69K

HARBOR ETF TRUST

SOLE

HARBOR COMMODITY

Shares21.48K

TypeSH

Market value$533.1K

0.47%

Sole

0.00

Shared

0.00

None

21.48K

VANGUARD INDEX FDS

SOLE

SMALL CP ETF

Shares1.50K

TypeSH

Market value$386.7K

0.34%

Sole

0.00

Shared

0.00

None

1.50K

INVESCO QQQ TR

SOLE

UNIT SER 1

Shares584.00

TypeSH

Market value$358.8K

0.32%

Sole

0.00

Shared

0.00

None

584.00

SELECT SECTOR SPDR TR

SOLE

STATE STREET TEC

Shares2.33K

TypeSH

Market value$334.7K

0.29%

Sole

0.00

Shared

0.00

None

2.33K

SPDR INDEX SHS FDS

SOLE

DJ GLB RL ES ETF

Shares6.89K

TypeSH

Market value$310.0K

0.27%

Sole

0.00

Shared

0.00

None

6.89K

ISHARES TR

SOLE

MSCI EAFE SMCP

Shares7.81K

TypeSH

Market value$303.9K

0.27%

Sole

0.00

Shared

0.00

None

7.81K

Issuer	Class	Shares	Type	Value / Portfolio %	None
FIDELITY COVINGTON TRUSTSOLE	BLUE CHIP GRWTH	362.10K	SH	$19.86M 17.48%	362.10K
CAPITAL GROUP DIVIDEND VALUESOLE	SHS CREATION UNI	349.72K	SH	$15.26M 13.43%	349.72K
SPDR SERIES TRUSTSOLE	STATE STREET SPD	149.18K	SH	$11.97M 10.53%	149.18K
FIDELITY COVINGTON TRUSTSOLE	ENHANCED INTL	292.89K	SH	$10.71M 9.43%	292.89K
FIDELITY MERRIMACK STR TRSOLE	TOTAL BD ETF	222.18K	SH	$10.23M 9.00%	222.18K
FIDELITY MERRIMACK STR TRSOLE	INVESTMENT GR BD	192.29K	SH	$8.35M 7.35%	192.29K
FIDELITY COVINGTON TRUSTSOLE	EMERG MKTS MLTFT	201.96K	SH	$6.24M 5.49%	201.96K
ISHARES TRSOLE	HDG MSCI EAFE	139.56K	SH	$5.77M 5.08%	139.56K
T ROWE PRICE ETF INCSOLE	FLOATING RATE	70.82K	SH	$3.64M 3.20%	70.82K
FIDELITY COVINGTON TRUSTSOLE	FUNDAMENTAL SMAL	91.01K	SH	$2.79M 2.46%	91.01K
J P MORGAN EXCHANGE TRADED FSOLE	HEDGED EQUITY LA	38.39K	SH	$2.55M 2.24%	38.39K
SSGA ACTIVE TRSOLE	SPDR BRIDGEWATER	87.68K	SH	$2.41M 2.12%	87.68K
PGIM ETF TRSOLE	ACTV HY BD ETF	62.85K	SH	$2.23M 1.96%	62.85K
ISHARES TRSOLE	CORE S&P500 ETF	2.96K	SH	$2.03M 1.78%	2.96K
SPDR SERIES TRUSTSOLE	STATE STREET SPD	51.70K	SH	$1.37M 1.20%	51.70K
SSGA ACTIVE TRSOLE	STATE STREET US	39.02K	SH	$1.26M 1.11%	39.02K
SSGA ACTIVE TRSOLE	SPDR SSGA IG PUB	42.86K	SH	$1.09M 0.96%	42.86K
SCHWAB STRATEGIC TRSOLE	FUNDAMENTAL EMER	25.46K	SH	$918.0K 0.81%	25.46K
INVESCO EXCHANGE TRADED FD TSOLE	S&P MDCP QUALITY	5.69K	SH	$582.4K 0.51%	5.69K
HARBOR ETF TRUSTSOLE	HARBOR COMMODITY	21.48K	SH	$533.1K 0.47%	21.48K
VANGUARD INDEX FDSSOLE	SMALL CP ETF	1.50K	SH	$386.7K 0.34%	1.50K
INVESCO QQQ TRSOLE	UNIT SER 1	584.00	SH	$358.8K 0.32%	584.00
SELECT SECTOR SPDR TRSOLE	STATE STREET TEC	2.33K	SH	$334.7K 0.29%	2.33K
SPDR INDEX SHS FDSSOLE	DJ GLB RL ES ETF	6.89K	SH	$310.0K 0.27%	6.89K
ISHARES TRSOLE	MSCI EAFE SMCP	7.81K	SH	$303.9K 0.27%	7.81K

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