Filed: 2/24/2026ACC: 0002112984-26-000001
📋 What this filing means
CLEAR RETIREMENT ADVICE LLC filed this quarterly 13F‑HR report disclosing 53 equity positions with a total reported market value of $128.55M. This filing provides a transparent view of the manager's long equity holdings as of the quarter end.
53
Positions
$128.55M
Total AUM (reported)
2.10M
Total Shares
Allocation by class
SHT TM US TRES$14.35M11.2%
PORTFOLIO DEVLPD$13.27M10.3%
CORE S&P TTL STK$12.29M9.6%
SHORT TERM TREAS$11.82M9.2%
STATE STREET SPD$10.25M8.0%
SM CP VAL ETF$7.41M5.8%
ISHS 1-5YR INVS$7.02M5.5%
Portfolio Concentration
Top 3$39.91M31.0%
4–10$47.71M37.1%
11–25$29.68M23.1%
Rest$11.25M8.8%
Top 3 weight
31.0%
Top 10 weight
68.2%
Voting Authority Distribution
Total shares with voting rights: 2.10M
Sole
Full voting authority
0.00
shares
% of voting shares0.0%
Shared
Joint voting authority
0.00
shares
% of voting shares0.0%
None
No voting authority
2.10M
shares
% of voting shares100.0%
Investment Discretion (by position count)
Sole53
Shared0
Other0
Dominant voting typeNone · 100.0% of voting shares
Institutional Holdings53
Rows:
SCHWAB STRATEGIC TR
SOLEShares588.65K
TypeSH
Market value$14.35M
11.16%
Sole
0.00
Shared
0.00
None
588.65K
SPDR INDEX SHS FDS
SOLEShares279.69K
TypeSH
Market value$13.27M
10.32%
Sole
0.00
Shared
0.00
None
279.69K
ISHARES TR
SOLEShares82.01K
TypeSH
Market value$12.29M
9.56%
Sole
0.00
Shared
0.00
None
82.01K
INVESCO EXCH TRADED FD TR II
SOLEShares111.91K
TypeSH
Market value$11.82M
9.20%
Sole
0.00
Shared
0.00
None
111.91K
VANGUARD INDEX FDS
SOLEShares32.44K
TypeSH
Market value$7.41M
5.76%
Sole
0.00
Shared
0.00
None
32.44K
ISHARES TR
SOLEShares132.83K
TypeSH
Market value$7.02M
5.46%
Sole
0.00
Shared
0.00
None
132.83K
VANGUARD INDEX FDS
SOLEShares18.66K
TypeSH
Market value$5.78M
4.50%
Sole
0.00
Shared
0.00
None
18.66K
ETFS GOLD TR
SOLEShares119.65K
TypeSH
Market value$5.63M
4.38%
Sole
0.00
Shared
0.00
None
119.65K
VANGUARD INTL EQUITY INDEX F
SOLEShares97.26K
TypeSH
Market value$5.49M
4.27%
Sole
0.00
Shared
0.00
None
97.26K
VANGUARD INDEX FDS
SOLEShares13.47K
TypeSH
Market value$4.56M
3.55%
Sole
0.00
Shared
0.00
None
13.47K
SPDR SERIES TRUST
SOLEShares77.37K
TypeSH
Market value$4.54M
3.53%
Sole
0.00
Shared
0.00
None
77.37K
SPDR SERIES TRUST
SOLEShares36.32K
TypeSH
Market value$3.78M
2.94%
Sole
0.00
Shared
0.00
None
36.32K
VANGUARD TAX-MANAGED FDS
SOLEShares42.96K
TypeSH
Market value$2.87M
2.23%
Sole
0.00
Shared
0.00
None
42.96K
VANGUARD SCOTTSDALE FDS
SOLEShares32.54K
TypeSH
Market value$2.59M
2.02%
Sole
0.00
Shared
0.00
None
32.54K
ISHARES GOLD TR
SOLEShares28.35K
TypeSH
Market value$2.57M
2.00%
Sole
0.00
Shared
0.00
None
28.35K
SCHWAB STRATEGIC TR
SOLEShares90.63K
TypeSH
Market value$2.33M
1.81%
Sole
0.00
Shared
0.00
None
90.63K
SCHWAB STRATEGIC TR
SOLEShares61.24K
TypeSH
Market value$1.93M
1.51%
Sole
0.00
Shared
0.00
None
61.24K
SCHWAB STRATEGIC TR
SOLEShares71.66K
TypeSH
Market value$1.89M
1.47%
Sole
0.00
Shared
0.00
None
71.66K
ISHARES INC
SOLEShares26.35K
TypeSH
Market value$1.89M
1.47%
Sole
0.00
Shared
0.00
None
26.35K
SPDR SERIES TRUST
SOLEShares11.21K
TypeSH
Market value$1.11M
0.86%
Sole
0.00
Shared
0.00
None
11.21K
SCHWAB STRATEGIC TR
SOLEShares28.58K
TypeSH
Market value$888.3K
0.69%
Sole
0.00
Shared
0.00
None
28.58K
APPLE INC
SOLEShares3.15K
TypeSH
Market value$870.1K
0.68%
Sole
0.00
Shared
0.00
None
3.15K
SPDR SERIES TRUST
SOLEShares8.32K
TypeSH
Market value$822.4K
0.64%
Sole
0.00
Shared
0.00
None
8.32K
VANGUARD WORLD FD
SOLEShares1.12K
TypeSH
Market value$811.2K
0.63%
Sole
0.00
Shared
0.00
None
1.12K
VANGUARD INDEX FDS
SOLEShares3.85K
TypeSH
Market value$784.1K
0.61%
Sole
0.00
Shared
0.00
None
3.85K
| Issuer | Class | Shares | Type | Value / Portfolio % | Voting — Sole | Shared | None |
|---|---|---|---|---|---|---|---|
SCHWAB STRATEGIC TRSOLE | SHT TM US TRES | 588.65K | SH | $14.35M 11.16% | 0.00 | 0.00 | 588.65K |
SPDR INDEX SHS FDSSOLE | PORTFOLIO DEVLPD | 279.69K | SH | $13.27M 10.32% | 0.00 | 0.00 | 279.69K |
ISHARES TRSOLE | CORE S&P TTL STK | 82.01K | SH | $12.29M 9.56% | 0.00 | 0.00 | 82.01K |
INVESCO EXCH TRADED FD TR IISOLE | SHORT TERM TREAS | 111.91K | SH | $11.82M 9.20% | 0.00 | 0.00 | 111.91K |
VANGUARD INDEX FDSSOLE | SM CP VAL ETF | 32.44K | SH | $7.41M 5.76% | 0.00 | 0.00 | 32.44K |
ISHARES TRSOLE | ISHS 1-5YR INVS | 132.83K | SH | $7.02M 5.46% | 0.00 | 0.00 | 132.83K |
VANGUARD INDEX FDSSOLE | SML CP GRW ETF | 18.66K | SH | $5.78M 4.50% | 0.00 | 0.00 | 18.66K |
ETFS GOLD TRSOLE | PHYSCL GOLD SHS | 119.65K | SH | $5.63M 4.38% | 0.00 | 0.00 | 119.65K |
VANGUARD INTL EQUITY INDEX FSOLE | FTSE EMR MKT ETF | 97.26K | SH | $5.49M 4.27% | 0.00 | 0.00 | 97.26K |
VANGUARD INDEX FDSSOLE | TOTAL STK MKT | 13.47K | SH | $4.56M 3.55% | 0.00 | 0.00 | 13.47K |
SPDR SERIES TRUSTSOLE | STATE STREET SPD | 77.37K | SH | $4.54M 3.53% | 0.00 | 0.00 | 77.37K |
SPDR SERIES TRUSTSOLE | STATE STREET SPD | 36.32K | SH | $3.78M 2.94% | 0.00 | 0.00 | 36.32K |
VANGUARD TAX-MANAGED FDSSOLE | VAN FTSE DEV MKT | 42.96K | SH | $2.87M 2.23% | 0.00 | 0.00 | 42.96K |
VANGUARD SCOTTSDALE FDSSOLE | SHRT TRM CORP BD | 32.54K | SH | $2.59M 2.02% | 0.00 | 0.00 | 32.54K |
ISHARES GOLD TRSOLE | ISHARES NEW | 28.35K | SH | $2.57M 2.00% | 0.00 | 0.00 | 28.35K |
SCHWAB STRATEGIC TRSOLE | INTL EQTY ETF | 90.63K | SH | $2.33M 1.81% | 0.00 | 0.00 | 90.63K |
SCHWAB STRATEGIC TRSOLE | US LCAP VA ETF | 61.24K | SH | $1.93M 1.51% | 0.00 | 0.00 | 61.24K |
SCHWAB STRATEGIC TRSOLE | US BRD MKT ETF | 71.66K | SH | $1.89M 1.47% | 0.00 | 0.00 | 71.66K |
ISHARES INCSOLE | CORE MSCI EMKT | 26.35K | SH | $1.89M 1.47% | 0.00 | 0.00 | 26.35K |
SPDR SERIES TRUSTSOLE | STATE STREET SPD | 11.21K | SH | $1.11M 0.86% | 0.00 | 0.00 | 11.21K |
SCHWAB STRATEGIC TRSOLE | US LCAP GR ETF | 28.58K | SH | $888.3K 0.69% | 0.00 | 0.00 | 28.58K |
APPLE INCSOLE | COM | 3.15K | SH | $870.1K 0.68% | 0.00 | 0.00 | 3.15K |
SPDR SERIES TRUSTSOLE | STATE STREET SPD | 8.32K | SH | $822.4K 0.64% | 0.00 | 0.00 | 8.32K |
VANGUARD WORLD FDSOLE | INF TECH ETF | 1.12K | SH | $811.2K 0.63% | 0.00 | 0.00 | 1.12K |
VANGUARD INDEX FDSSOLE | VALUE ETF | 3.85K | SH | $784.1K 0.61% | 0.00 | 0.00 | 3.85K |
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