RETIREMENT FINANCIAL SOLUTIONS, LLC

Filed: 4/16/2025ACC: 0001962532-25-000002

📋 What this filing means

RETIREMENT FINANCIAL SOLUTIONS, LLC filed this quarterly 13F‑HR report disclosing 38 equity positions with a total reported market value of $165.38M. This filing provides a transparent view of the manager's long equity holdings as of the quarter end.

Positions

$165.38M

Total AUM (reported)

2.32M

Total Shares

Allocation by class

PORTFOLIO S&P500$17.51M10.6%

MID CAP ETF$16.39M9.9%

SM CP VAL ETF$15.74M9.5%

PORTFOLIO S&P600$15.33M9.3%

7-10 YR TRSY BD$14.00M8.5%

NASDAQ 100 ETF$12.17M7.4%

MSCI EMG MKT ETF$11.48M6.9%

Portfolio Concentration

Top 3$49.64M30.0%

4–10$79.01M47.8%

11–25$32.44M19.6%

Rest$4.28M2.6%

Top 3 weight

30.0%

Top 10 weight

77.8%

Voting Authority Distribution

Total shares with voting rights: 2.32M

Sole

Full voting authority

0.00

% of voting shares0.0%

Shared

Joint voting authority

0.00

% of voting shares0.0%

None

No voting authority

2.32M

% of voting shares100.0%

Investment Discretion (by position count)

Sole38

Shared0

Other0

Dominant voting typeNone · 100.0% of voting shares

Institutional Holdings38

Rows:

SPDR SER TR

SOLE

PORTFOLIO S&P500

Shares266.28K

TypeSH

Market value$17.51M

10.59%

Sole

0.00

Shared

0.00

None

266.28K

VANGUARD INDEX FDS

SOLE

MID CAP ETF

Shares63.37K

TypeSH

Market value$16.39M

9.91%

Sole

0.00

Shared

0.00

None

63.37K

VANGUARD INDEX FDS

SOLE

SM CP VAL ETF

Shares84.51K

TypeSH

Market value$15.74M

9.52%

Sole

0.00

Shared

0.00

None

84.51K

SPDR SER TR

SOLE

PORTFOLIO S&P600

Shares376.21K

TypeSH

Market value$15.33M

9.27%

Sole

0.00

Shared

0.00

None

376.21K

ISHARES TR

SOLE

7-10 YR TRSY BD

Shares146.81K

TypeSH

Market value$14.00M

8.47%

Sole

0.00

Shared

0.00

None

146.81K

INVESCO EXCH TRADED FD TR II

SOLE

NASDAQ 100 ETF

Shares63.06K

TypeSH

Market value$12.17M

7.36%

Sole

0.00

Shared

0.00

None

63.06K

ISHARES TR

SOLE

MSCI EMG MKT ETF

Shares262.59K

TypeSH

Market value$11.48M

6.94%

Sole

0.00

Shared

0.00

None

262.59K

WISDOMTREE TR

SOLE

EUROPE HEDGED EQ

Shares189.79K

TypeSH

Market value$9.01M

5.45%

Sole

0.00

Shared

0.00

None

189.79K

ISHARES TR

SOLE

0-5YR HI YL CP

Shares208.84K

TypeSH

Market value$8.88M

5.37%

Sole

0.00

Shared

0.00

None

208.84K

ISHARES TR

SOLE

20 YR TR BD ETF

Shares89.41K

TypeSH

Market value$8.14M

4.92%

Sole

0.00

Shared

0.00

None

89.41K

J P MORGAN EXCHANGE TRADED F

SOLE

EQUITY PREMIUM

Shares120.02K

TypeSH

Market value$6.86M

4.15%

Sole

0.00

Shared

0.00

None

120.02K

INVESCO EXCH TRADED FD TR II

SOLE

S&P500 HDL VOL

Shares127.74K

TypeSH

Market value$6.42M

3.88%

Sole

0.00

Shared

0.00

None

127.74K

ISHARES TR

SOLE

1 3 YR TREAS BD

Shares48.63K

TypeSH

Market value$4.02M

2.43%

Sole

0.00

Shared

0.00

None

48.63K

ISHARES TR

SOLE

ISHS 5-10YR INVT

Shares76.42K

TypeSH

Market value$4.01M

2.43%

Sole

0.00

Shared

0.00

None

76.42K

SCIENCE APPLICATIONS INTL CO

SOLE

COM

Shares15.63K

TypeSH

Market value$1.76M

1.06%

Sole

0.00

Shared

0.00

None

15.63K

VANGUARD INDEX FDS

SOLE

S&P 500 ETF SHS

Shares3.15K

TypeSH

Market value$1.62M

0.98%

Sole

0.00

Shared

0.00

None

3.15K

SPDR GOLD TR

SOLE

GOLD SHS

Shares4.12K

TypeSH

Market value$1.19M

0.72%

Sole

0.00

Shared

0.00

None

4.12K

APPLE INC

SOLE

COM

Shares5.03K

TypeSH

Market value$1.12M

0.67%

Sole

0.00

Shared

0.00

None

5.03K

VANGUARD STAR FDS

SOLE

VG TL INTL STK F

Shares16.01K

TypeSH

Market value$994.0K

0.60%

Sole

0.00

Shared

0.00

None

16.01K

INVESCO DB US DLR INDEX TR

SOLE

BULLISH FD

Shares30.08K

TypeSH

Market value$858.5K

0.52%

Sole

0.00

Shared

0.00

None

30.08K

VANGUARD INDEX FDS

SOLE

MCAP VL IDXVIP

Shares5.28K

TypeSH

Market value$847.0K

0.51%

Sole

0.00

Shared

0.00

None

5.28K

VANGUARD INDEX FDS

SOLE

REAL ESTATE ETF

Shares9K

TypeSH

Market value$814.9K

0.49%

Sole

0.00

Shared

0.00

None

BERKSHIRE HATHAWAY INC DEL

SOLE

CL B NEW

Shares1.38K

TypeSH

Market value$735.0K

0.44%

Sole

0.00

Shared

0.00

None

1.38K

VANGUARD SCOTTSDALE FDS

SOLE

VNG RUS1000IDX

Shares2.46K

TypeSH

Market value$624.1K

0.38%

Sole

0.00

Shared

0.00

None

2.46K

COCA COLA CO

SOLE

COM

Shares8.10K

TypeSH

Market value$579.8K

0.35%

Sole

0.00

Shared

0.00

None

8.10K

Issuer	Class	Shares	Type	Value / Portfolio %	None
SPDR SER TRSOLE	PORTFOLIO S&P500	266.28K	SH	$17.51M 10.59%	266.28K
VANGUARD INDEX FDSSOLE	MID CAP ETF	63.37K	SH	$16.39M 9.91%	63.37K
VANGUARD INDEX FDSSOLE	SM CP VAL ETF	84.51K	SH	$15.74M 9.52%	84.51K
SPDR SER TRSOLE	PORTFOLIO S&P600	376.21K	SH	$15.33M 9.27%	376.21K
ISHARES TRSOLE	7-10 YR TRSY BD	146.81K	SH	$14.00M 8.47%	146.81K
INVESCO EXCH TRADED FD TR IISOLE	NASDAQ 100 ETF	63.06K	SH	$12.17M 7.36%	63.06K
ISHARES TRSOLE	MSCI EMG MKT ETF	262.59K	SH	$11.48M 6.94%	262.59K
WISDOMTREE TRSOLE	EUROPE HEDGED EQ	189.79K	SH	$9.01M 5.45%	189.79K
ISHARES TRSOLE	0-5YR HI YL CP	208.84K	SH	$8.88M 5.37%	208.84K
ISHARES TRSOLE	20 YR TR BD ETF	89.41K	SH	$8.14M 4.92%	89.41K
J P MORGAN EXCHANGE TRADED FSOLE	EQUITY PREMIUM	120.02K	SH	$6.86M 4.15%	120.02K
INVESCO EXCH TRADED FD TR IISOLE	S&P500 HDL VOL	127.74K	SH	$6.42M 3.88%	127.74K
ISHARES TRSOLE	1 3 YR TREAS BD	48.63K	SH	$4.02M 2.43%	48.63K
ISHARES TRSOLE	ISHS 5-10YR INVT	76.42K	SH	$4.01M 2.43%	76.42K
SCIENCE APPLICATIONS INTL COSOLE	COM	15.63K	SH	$1.76M 1.06%	15.63K
VANGUARD INDEX FDSSOLE	S&P 500 ETF SHS	3.15K	SH	$1.62M 0.98%	3.15K
SPDR GOLD TRSOLE	GOLD SHS	4.12K	SH	$1.19M 0.72%	4.12K
APPLE INCSOLE	COM	5.03K	SH	$1.12M 0.67%	5.03K
VANGUARD STAR FDSSOLE	VG TL INTL STK F	16.01K	SH	$994.0K 0.60%	16.01K
INVESCO DB US DLR INDEX TRSOLE	BULLISH FD	30.08K	SH	$858.5K 0.52%	30.08K
VANGUARD INDEX FDSSOLE	MCAP VL IDXVIP	5.28K	SH	$847.0K 0.51%	5.28K
VANGUARD INDEX FDSSOLE	REAL ESTATE ETF	9K	SH	$814.9K 0.49%	9K
BERKSHIRE HATHAWAY INC DELSOLE	CL B NEW	1.38K	SH	$735.0K 0.44%	1.38K
VANGUARD SCOTTSDALE FDSSOLE	VNG RUS1000IDX	2.46K	SH	$624.1K 0.38%	2.46K
COCA COLA COSOLE	COM	8.10K	SH	$579.8K 0.35%	8.10K

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