Filed: 4/28/2026ACC: 0002112984-26-000002
📋 What this filing means
CLEAR RETIREMENT ADVICE LLC filed this quarterly 13F‑HR report disclosing 54 equity positions with a total reported market value of $127.37M. This filing provides a transparent view of the manager's long equity holdings as of the quarter end.
54
Positions
$127.37M
Total AUM (reported)
2.13M
Total Shares
Allocation by class
STATE STREET SPD$23.34M18.3%
SHT TM US TRES$14.52M11.4%
CORE S&P TTL STK$11.89M9.3%
SHORT TERM TREAS$11.88M9.3%
SM CP VAL ETF$7.11M5.6%
ISHS 1-5YR INVS$6.99M5.5%
SML CP GRW ETF$5.62M4.4%
Portfolio Concentration
Top 3$39.25M30.8%
4–10$46.79M36.7%
11–25$30.61M24.0%
Rest$10.71M8.4%
Top 3 weight
30.8%
Top 10 weight
67.6%
Voting Authority Distribution
Total shares with voting rights: 2.13M
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
2.13M
shares
% of voting shares100.0%
Investment Discretion (by position count)
Sole54
Shared0
Other0
Dominant voting typeNone · 100.0% of voting shares
Institutional Holdings54
Rows:
SCHWAB STRATEGIC TR
SOLEShares598.08K
TypeSH
Market value$14.52M
11.40%
Sole
0.00
Shared
0.00
None
598.08K
SPDR INDEX SHS FDS
SOLEShares281.26K
TypeSH
Market value$12.84M
10.08%
Sole
0.00
Shared
0.00
None
281.26K
ISHARES TR
SOLEShares83.50K
TypeSH
Market value$11.89M
9.34%
Sole
0.00
Shared
0.00
None
83.50K
INVESCO EXCH TRADED FD TR II
SOLEShares112.55K
TypeSH
Market value$11.88M
9.33%
Sole
0.00
Shared
0.00
None
112.55K
VANGUARD INDEX FDS
SOLEShares32.71K
TypeSH
Market value$7.11M
5.58%
Sole
0.00
Shared
0.00
None
32.71K
ISHARES TR
SOLEShares133.03K
TypeSH
Market value$6.99M
5.49%
Sole
0.00
Shared
0.00
None
133.03K
VANGUARD INDEX FDS
SOLEShares18.59K
TypeSH
Market value$5.62M
4.41%
Sole
0.00
Shared
0.00
None
18.59K
ETFS GOLD TR
SOLEShares121.68K
TypeSH
Market value$5.43M
4.26%
Sole
0.00
Shared
0.00
None
121.68K
VANGUARD INTL EQUITY INDEX F
SOLEShares97.05K
TypeSH
Market value$5.25M
4.12%
Sole
0.00
Shared
0.00
None
97.05K
SPDR SERIES TRUST
SOLEShares79.94K
TypeSH
Market value$4.52M
3.55%
Sole
0.00
Shared
0.00
None
79.94K
VANGUARD INDEX FDS
SOLEShares13.83K
TypeSH
Market value$4.44M
3.48%
Sole
0.00
Shared
0.00
None
13.83K
SPDR SERIES TRUST
SOLEShares37.63K
TypeSH
Market value$3.68M
2.89%
Sole
0.00
Shared
0.00
None
37.63K
VANGUARD SCOTTSDALE FDS
SOLEShares35.28K
TypeSH
Market value$2.80M
2.20%
Sole
0.00
Shared
0.00
None
35.28K
VANGUARD TAX-MANAGED FDS
SOLEShares42.68K
TypeSH
Market value$2.74M
2.15%
Sole
0.00
Shared
0.00
None
42.68K
ISHARES GOLD TR
SOLEShares27.96K
TypeSH
Market value$2.47M
1.94%
Sole
0.00
Shared
0.00
None
27.96K
APPLE INC
SOLEShares9.15K
TypeSH
Market value$2.32M
1.82%
Sole
0.00
Shared
0.00
None
9.15K
SCHWAB STRATEGIC TR
SOLEShares88.60K
TypeSH
Market value$2.19M
1.72%
Sole
0.00
Shared
0.00
None
88.60K
SCHWAB STRATEGIC TR
SOLEShares79.92K
TypeSH
Market value$2.01M
1.57%
Sole
0.00
Shared
0.00
None
79.92K
ISHARES INC
SOLEShares26.36K
TypeSH
Market value$1.84M
1.44%
Sole
0.00
Shared
0.00
None
26.36K
SCHWAB STRATEGIC TR
SOLEShares58.03K
TypeSH
Market value$1.77M
1.39%
Sole
0.00
Shared
0.00
None
58.03K
SPDR SERIES TRUST
SOLEShares12.01K
TypeSH
Market value$1.16M
0.91%
Sole
0.00
Shared
0.00
None
12.01K
SCHWAB STRATEGIC TR
SOLEShares30.11K
TypeSH
Market value$877.0K
0.69%
Sole
0.00
Shared
0.00
None
30.11K
SPDR SERIES TRUST
SOLEShares8.31K
TypeSH
Market value$785.6K
0.62%
Sole
0.00
Shared
0.00
None
8.31K
VANGUARD WORLD FD
SOLEShares1.12K
TypeSH
Market value$784.2K
0.62%
Sole
0.00
Shared
0.00
None
1.12K
VANGUARD INDEX FDS
SOLEShares3.85K
TypeSH
Market value$755.6K
0.59%
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 | 598.08K | SH | $14.52M 11.40% | 0.00 | 0.00 | 598.08K |
SPDR INDEX SHS FDSSOLE | STATE STREET SPD | 281.26K | SH | $12.84M 10.08% | 0.00 | 0.00 | 281.26K |
ISHARES TRSOLE | CORE S&P TTL STK | 83.50K | SH | $11.89M 9.34% | 0.00 | 0.00 | 83.50K |
INVESCO EXCH TRADED FD TR IISOLE | SHORT TERM TREAS | 112.55K | SH | $11.88M 9.33% | 0.00 | 0.00 | 112.55K |
VANGUARD INDEX FDSSOLE | SM CP VAL ETF | 32.71K | SH | $7.11M 5.58% | 0.00 | 0.00 | 32.71K |
ISHARES TRSOLE | ISHS 1-5YR INVS | 133.03K | SH | $6.99M 5.49% | 0.00 | 0.00 | 133.03K |
VANGUARD INDEX FDSSOLE | SML CP GRW ETF | 18.59K | SH | $5.62M 4.41% | 0.00 | 0.00 | 18.59K |
ETFS GOLD TRSOLE | PHYSCL GOLD SHS | 121.68K | SH | $5.43M 4.26% | 0.00 | 0.00 | 121.68K |
VANGUARD INTL EQUITY INDEX FSOLE | FTSE EMR MKT ETF | 97.05K | SH | $5.25M 4.12% | 0.00 | 0.00 | 97.05K |
SPDR SERIES TRUSTSOLE | STATE STREET SPD | 79.94K | SH | $4.52M 3.55% | 0.00 | 0.00 | 79.94K |
VANGUARD INDEX FDSSOLE | TOTAL STK MKT | 13.83K | SH | $4.44M 3.48% | 0.00 | 0.00 | 13.83K |
SPDR SERIES TRUSTSOLE | STATE STREET SPD | 37.63K | SH | $3.68M 2.89% | 0.00 | 0.00 | 37.63K |
VANGUARD SCOTTSDALE FDSSOLE | SHRT TRM CORP BD | 35.28K | SH | $2.80M 2.20% | 0.00 | 0.00 | 35.28K |
VANGUARD TAX-MANAGED FDSSOLE | VAN FTSE DEV MKT | 42.68K | SH | $2.74M 2.15% | 0.00 | 0.00 | 42.68K |
ISHARES GOLD TRSOLE | ISHARES NEW | 27.96K | SH | $2.47M 1.94% | 0.00 | 0.00 | 27.96K |
APPLE INCSOLE | COM | 9.15K | SH | $2.32M 1.82% | 0.00 | 0.00 | 9.15K |
SCHWAB STRATEGIC TRSOLE | INTL EQTY ETF | 88.60K | SH | $2.19M 1.72% | 0.00 | 0.00 | 88.60K |
SCHWAB STRATEGIC TRSOLE | US BRD MKT ETF | 79.92K | SH | $2.01M 1.57% | 0.00 | 0.00 | 79.92K |
ISHARES INCSOLE | CORE MSCI EMKT | 26.36K | SH | $1.84M 1.44% | 0.00 | 0.00 | 26.36K |
SCHWAB STRATEGIC TRSOLE | US LCAP VA ETF | 58.03K | SH | $1.77M 1.39% | 0.00 | 0.00 | 58.03K |
SPDR SERIES TRUSTSOLE | STATE STREET SPD | 12.01K | SH | $1.16M 0.91% | 0.00 | 0.00 | 12.01K |
SCHWAB STRATEGIC TRSOLE | US LCAP GR ETF | 30.11K | SH | $877.0K 0.69% | 0.00 | 0.00 | 30.11K |
SPDR SERIES TRUSTSOLE | STATE STREET SPD | 8.31K | SH | $785.6K 0.62% | 0.00 | 0.00 | 8.31K |
VANGUARD WORLD FDSOLE | INF TECH ETF | 1.12K | SH | $784.2K 0.62% | 0.00 | 0.00 | 1.12K |
VANGUARD INDEX FDSSOLE | VALUE ETF | 3.85K | SH | $755.6K 0.59% | 0.00 | 0.00 | 3.85K |
Page 1 of 3