Filed: 7/15/2026ACC: 0002112984-26-000003
📋 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 $146.03M. This filing provides a transparent view of the manager's long equity holdings as of the quarter end.
54
Positions
$146.03M
Total AUM (reported)
2.32M
Total Shares
Allocation by class
SHT TM US TRES$16.17M11.1%
ST STR PO EX ETF$15.55M10.7%
CORE S&P TTL STK$14.89M10.2%
SHORT TERM ETF$12.87M8.8%
SM CP VAL ETF$8.43M5.8%
ISHS 1-5YR INVS$7.96M5.4%
SML CP GRW ETF$7.16M4.9%
Portfolio Concentration
Top 3$46.61M31.9%
4–10$53.78M36.8%
11–25$33.77M23.1%
Rest$11.86M8.1%
Top 3 weight
31.9%
Top 10 weight
68.8%
Voting Authority Distribution
Total shares with voting rights: 2.32M
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
2.32M
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
SOLEShares669.89K
TypeSH
Market value$16.17M
11.07%
Sole
0.00
Shared
0.00
None
669.89K
SPDR INDEX SHS FDS
SOLEShares308.66K
TypeSH
Market value$15.55M
10.65%
Sole
0.00
Shared
0.00
None
308.66K
ISHARES TR
SOLEShares90.62K
TypeSH
Market value$14.89M
10.19%
Sole
0.00
Shared
0.00
None
90.62K
INVESCO EXCH TRADED FD TR II
SOLEShares121.93K
TypeSH
Market value$12.87M
8.81%
Sole
0.00
Shared
0.00
None
121.93K
VANGUARD INDEX FDS
SOLEShares34.69K
TypeSH
Market value$8.43M
5.77%
Sole
0.00
Shared
0.00
None
34.69K
ISHARES TR
SOLEShares151.85K
TypeSH
Market value$7.96M
5.45%
Sole
0.00
Shared
0.00
None
151.85K
VANGUARD INDEX FDS
SOLEShares19.59K
TypeSH
Market value$7.16M
4.90%
Sole
0.00
Shared
0.00
None
19.59K
VANGUARD INTL EQUITY INDEX F
SOLEShares105.82K
TypeSH
Market value$6.32M
4.33%
Sole
0.00
Shared
0.00
None
105.82K
ETFS GOLD TR
SOLEShares146.49K
TypeSH
Market value$5.60M
3.83%
Sole
0.00
Shared
0.00
None
146.49K
SPDR SERIES TRUST
SOLEShares89.58K
TypeSH
Market value$5.45M
3.73%
Sole
0.00
Shared
0.00
None
89.58K
VANGUARD INDEX FDS
SOLEShares13.94K
TypeSH
Market value$5.16M
3.53%
Sole
0.00
Shared
0.00
None
13.94K
SPDR SERIES TRUST
SOLEShares38.53K
TypeSH
Market value$4.59M
3.14%
Sole
0.00
Shared
0.00
None
38.53K
VANGUARD TAX-MANAGED FDS
SOLEShares42.06K
TypeSH
Market value$3.00M
2.05%
Sole
0.00
Shared
0.00
None
42.06K
VANGUARD SCOTTSDALE FDS
SOLEShares35.18K
TypeSH
Market value$2.78M
1.90%
Sole
0.00
Shared
0.00
None
35.18K
SCHWAB STRATEGIC TR
SOLEShares87.34K
TypeSH
Market value$2.42M
1.66%
Sole
0.00
Shared
0.00
None
87.34K
SCHWAB STRATEGIC TR
SOLEShares79.27K
TypeSH
Market value$2.30M
1.57%
Sole
0.00
Shared
0.00
None
79.27K
ISHARES INC
SOLEShares26.22K
TypeSH
Market value$2.17M
1.49%
Sole
0.00
Shared
0.00
None
26.22K
ISHARES GOLD TR
SOLEShares27.94K
TypeSH
Market value$2.11M
1.44%
Sole
0.00
Shared
0.00
None
27.94K
SCHWAB STRATEGIC TR
SOLEShares57.37K
TypeSH
Market value$2.00M
1.37%
Sole
0.00
Shared
0.00
None
57.37K
APPLE INC
SOLEShares6.53K
TypeSH
Market value$1.89M
1.29%
Sole
0.00
Shared
0.00
None
6.53K
SPDR SERIES TRUST
SOLEShares11.91K
TypeSH
Market value$1.42M
0.97%
Sole
0.00
Shared
0.00
None
11.91K
VANGUARD WORLD FD
SOLEShares8.99K
TypeSH
Market value$1.07M
0.74%
Sole
0.00
Shared
0.00
None
8.99K
ISHARES TR
SOLEShares12.13K
TypeSH
Market value$996.0K
0.68%
Sole
0.00
Shared
0.00
None
12.13K
SCHWAB STRATEGIC TR
SOLEShares29.34K
TypeSH
Market value$992.8K
0.68%
Sole
0.00
Shared
0.00
None
29.34K
SPDR SERIES TRUST
SOLEShares8.11K
TypeSH
Market value$885.0K
0.61%
Sole
0.00
Shared
0.00
None
8.11K
| Issuer | Class | Shares | Type | Value / Portfolio % | Voting — Sole | Shared | None |
|---|---|---|---|---|---|---|---|
SCHWAB STRATEGIC TRSOLE | SHT TM US TRES | 669.89K | SH | $16.17M 11.07% | 0.00 | 0.00 | 669.89K |
SPDR INDEX SHS FDSSOLE | ST STR PO EX ETF | 308.66K | SH | $15.55M 10.65% | 0.00 | 0.00 | 308.66K |
ISHARES TRSOLE | CORE S&P TTL STK | 90.62K | SH | $14.89M 10.19% | 0.00 | 0.00 | 90.62K |
INVESCO EXCH TRADED FD TR IISOLE | SHORT TERM ETF | 121.93K | SH | $12.87M 8.81% | 0.00 | 0.00 | 121.93K |
VANGUARD INDEX FDSSOLE | SM CP VAL ETF | 34.69K | SH | $8.43M 5.77% | 0.00 | 0.00 | 34.69K |
ISHARES TRSOLE | ISHS 1-5YR INVS | 151.85K | SH | $7.96M 5.45% | 0.00 | 0.00 | 151.85K |
VANGUARD INDEX FDSSOLE | SML CP GRW ETF | 19.59K | SH | $7.16M 4.90% | 0.00 | 0.00 | 19.59K |
VANGUARD INTL EQUITY INDEX FSOLE | FTSE EMR MKT ETF | 105.82K | SH | $6.32M 4.33% | 0.00 | 0.00 | 105.82K |
ETFS GOLD TRSOLE | PHYSCL GOLD SHS | 146.49K | SH | $5.60M 3.83% | 0.00 | 0.00 | 146.49K |
SPDR SERIES TRUSTSOLE | ST STR P500VAL | 89.58K | SH | $5.45M 3.73% | 0.00 | 0.00 | 89.58K |
VANGUARD INDEX FDSSOLE | TOTAL STK MKT | 13.94K | SH | $5.16M 3.53% | 0.00 | 0.00 | 13.94K |
SPDR SERIES TRUSTSOLE | ST STR P500GRW | 38.53K | SH | $4.59M 3.14% | 0.00 | 0.00 | 38.53K |
VANGUARD TAX-MANAGED FDSSOLE | VAN FTSE DEV MKT | 42.06K | SH | $3.00M 2.05% | 0.00 | 0.00 | 42.06K |
VANGUARD SCOTTSDALE FDSSOLE | SHRT TRM CORP BD | 35.18K | SH | $2.78M 1.90% | 0.00 | 0.00 | 35.18K |
SCHWAB STRATEGIC TRSOLE | INTL EQTY ETF | 87.34K | SH | $2.42M 1.66% | 0.00 | 0.00 | 87.34K |
SCHWAB STRATEGIC TRSOLE | US BRD MKT ETF | 79.27K | SH | $2.30M 1.57% | 0.00 | 0.00 | 79.27K |
ISHARES INCSOLE | CORE MSCI EMKT | 26.22K | SH | $2.17M 1.49% | 0.00 | 0.00 | 26.22K |
ISHARES GOLD TRSOLE | ISHARES NEW | 27.94K | SH | $2.11M 1.44% | 0.00 | 0.00 | 27.94K |
SCHWAB STRATEGIC TRSOLE | US LCAP VA ETF | 57.37K | SH | $2.00M 1.37% | 0.00 | 0.00 | 57.37K |
APPLE INCSOLE | COM | 6.53K | SH | $1.89M 1.29% | 0.00 | 0.00 | 6.53K |
SPDR SERIES TRUSTSOLE | ST STR SP600GRWO | 11.91K | SH | $1.42M 0.97% | 0.00 | 0.00 | 11.91K |
VANGUARD WORLD FDSOLE | INF TECH ETF | 8.99K | SH | $1.07M 0.74% | 0.00 | 0.00 | 8.99K |
ISHARES TRSOLE | 1 3 YR TREAS BD | 12.13K | SH | $996.0K 0.68% | 0.00 | 0.00 | 12.13K |
SCHWAB STRATEGIC TRSOLE | US LCAP GR ETF | 29.34K | SH | $992.8K 0.68% | 0.00 | 0.00 | 29.34K |
SPDR SERIES TRUSTSOLE | ST STR SP600SM C | 8.11K | SH | $885.0K 0.61% | 0.00 | 0.00 | 8.11K |
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