RETIREMENT FINANCIAL SOLUTIONS, LLC

Filed: 8/5/2025ACC: 0001962532-25-000003

📋 What this filing means

RETIREMENT FINANCIAL SOLUTIONS, LLC filed this quarterly 13F‑HR report disclosing 37 equity positions with a total reported market value of $161.23M. This filing provides a transparent view of the manager's long equity holdings as of the quarter end.

Positions

$161.23M

Total AUM (reported)

2.16M

Total Shares

Allocation by class

PORTFOLIO S&P500$18.29M11.3%

MID CAP ETF$16.04M9.9%

SM CP VAL ETF$15.02M9.3%

PORTFOLIO S&P600$14.75M9.1%

7-10 YR TRSY BD$13.36M8.3%

NASDAQ 100 ETF$12.91M8.0%

MSCI EMG MKT ETF$11.42M7.1%

Portfolio Concentration

Top 3$49.35M30.6%

4–10$76.68M47.6%

11–25$31.09M19.3%

Rest$4.11M2.5%

Top 3 weight

30.6%

Top 10 weight

78.2%

Voting Authority Distribution

Total shares with voting rights: 2.16M

Sole

Full voting authority

0.00

% of voting shares0.0%

Shared

Joint voting authority

0.00

% of voting shares0.0%

None

No voting authority

2.16M

% of voting shares100.0%

Investment Discretion (by position count)

Sole37

Shared0

Other0

Dominant voting typeNone · 100.0% of voting shares

Institutional Holdings37

Rows:

SPDR SERIES TRUST

SOLE

PORTFOLIO S&P500

Shares251.62K

TypeSH

Market value$18.29M

11.34%

Sole

0.00

Shared

0.00

None

251.62K

VANGUARD INDEX FDS

SOLE

MID CAP ETF

Shares57.31K

TypeSH

Market value$16.04M

9.95%

Sole

0.00

Shared

0.00

None

57.31K

VANGUARD INDEX FDS

SOLE

SM CP VAL ETF

Shares77.03K

TypeSH

Market value$15.02M

9.32%

Sole

0.00

Shared

0.00

None

77.03K

SPDR SERIES TRUST

SOLE

PORTFOLIO S&P600

Shares346.25K

TypeSH

Market value$14.75M

9.15%

Sole

0.00

Shared

0.00

None

346.25K

ISHARES TR

SOLE

7-10 YR TRSY BD

Shares139.48K

TypeSH

Market value$13.36M

8.29%

Sole

0.00

Shared

0.00

None

139.48K

INVESCO EXCH TRADED FD TR II

SOLE

NASDAQ 100 ETF

Shares56.86K

TypeSH

Market value$12.91M

8.01%

Sole

0.00

Shared

0.00

None

56.86K

ISHARES TR

SOLE

MSCI EMG MKT ETF

Shares236.77K

TypeSH

Market value$11.42M

7.08%

Sole

0.00

Shared

0.00

None

236.77K

ISHARES TR

SOLE

0-5YR HI YL CP

Shares197.22K

TypeSH

Market value$8.51M

5.28%

Sole

0.00

Shared

0.00

None

197.22K

WISDOMTREE TR

SOLE

EUROPE HEDGED EQ

Shares169.94K

TypeSH

Market value$8.18M

5.07%

Sole

0.00

Shared

0.00

None

169.94K

ISHARES TR

SOLE

20 YR TR BD ETF

Shares85.56K

TypeSH

Market value$7.55M

4.68%

Sole

0.00

Shared

0.00

None

85.56K

J P MORGAN EXCHANGE TRADED F

SOLE

EQUITY PREMIUM

Shares113.33K

TypeSH

Market value$6.44M

4.00%

Sole

0.00

Shared

0.00

None

113.33K

INVESCO EXCH TRADED FD TR II

SOLE

S&P500 HDL VOL

Shares120.86K

TypeSH

Market value$5.75M

3.57%

Sole

0.00

Shared

0.00

None

120.86K

ISHARES TR

SOLE

1 3 YR TREAS BD

Shares48.09K

TypeSH

Market value$3.98M

2.47%

Sole

0.00

Shared

0.00

None

48.09K

ISHARES TR

SOLE

ISHS 5-10YR INVT

Shares72.95K

TypeSH

Market value$3.89M

2.41%

Sole

0.00

Shared

0.00

None

72.95K

VANGUARD INDEX FDS

SOLE

S&P 500 ETF SHS

Shares3.15K

TypeSH

Market value$1.79M

1.11%

Sole

0.00

Shared

0.00

None

3.15K

SCIENCE APPLICATIONS INTL CO

SOLE

COM

Shares15.63K

TypeSH

Market value$1.76M

1.09%

Sole

0.00

Shared

0.00

None

15.63K

SPDR GOLD TR

SOLE

GOLD SHS

Shares3.87K

TypeSH

Market value$1.18M

0.73%

Sole

0.00

Shared

0.00

None

3.87K

VANGUARD STAR FDS

SOLE

VG TL INTL STK F

Shares15.74K

TypeSH

Market value$1.09M

0.67%

Sole

0.00

Shared

0.00

None

15.74K

APPLE INC

SOLE

COM

Shares5.07K

TypeSH

Market value$1.04M

0.64%

Sole

0.00

Shared

0.00

None

5.07K

VANGUARD INDEX FDS

SOLE

MCAP VL IDXVIP

Shares5.28K

TypeSH

Market value$867.7K

0.54%

Sole

0.00

Shared

0.00

None

5.28K

INVESCO DB US DLR INDEX TR

SOLE

BULLISH FD

Shares28.48K

TypeSH

Market value$765.4K

0.47%

Sole

0.00

Shared

0.00

None

28.48K

VANGUARD INDEX FDS

SOLE

REAL ESTATE ETF

Shares7.88K

TypeSH

Market value$701.5K

0.44%

Sole

0.00

Shared

0.00

None

7.88K

VANGUARD SCOTTSDALE FDS

SOLE

VNG RUS1000IDX

Shares2.47K

TypeSH

Market value$692.5K

0.43%

Sole

0.00

Shared

0.00

None

2.47K

COCA COLA CO

SOLE

COM

Shares8.10K

TypeSH

Market value$573.4K

0.36%

Sole

0.00

Shared

0.00

None

8.10K

NVIDIA CORPORATION

SOLE

COM

Shares3.62K

TypeSH

Market value$571.9K

0.35%

Sole

0.00

Shared

0.00

None

3.62K

Issuer	Class	Shares	Type	Value / Portfolio %	None
SPDR SERIES TRUSTSOLE	PORTFOLIO S&P500	251.62K	SH	$18.29M 11.34%	251.62K
VANGUARD INDEX FDSSOLE	MID CAP ETF	57.31K	SH	$16.04M 9.95%	57.31K
VANGUARD INDEX FDSSOLE	SM CP VAL ETF	77.03K	SH	$15.02M 9.32%	77.03K
SPDR SERIES TRUSTSOLE	PORTFOLIO S&P600	346.25K	SH	$14.75M 9.15%	346.25K
ISHARES TRSOLE	7-10 YR TRSY BD	139.48K	SH	$13.36M 8.29%	139.48K
INVESCO EXCH TRADED FD TR IISOLE	NASDAQ 100 ETF	56.86K	SH	$12.91M 8.01%	56.86K
ISHARES TRSOLE	MSCI EMG MKT ETF	236.77K	SH	$11.42M 7.08%	236.77K
ISHARES TRSOLE	0-5YR HI YL CP	197.22K	SH	$8.51M 5.28%	197.22K
WISDOMTREE TRSOLE	EUROPE HEDGED EQ	169.94K	SH	$8.18M 5.07%	169.94K
ISHARES TRSOLE	20 YR TR BD ETF	85.56K	SH	$7.55M 4.68%	85.56K
J P MORGAN EXCHANGE TRADED FSOLE	EQUITY PREMIUM	113.33K	SH	$6.44M 4.00%	113.33K
INVESCO EXCH TRADED FD TR IISOLE	S&P500 HDL VOL	120.86K	SH	$5.75M 3.57%	120.86K
ISHARES TRSOLE	1 3 YR TREAS BD	48.09K	SH	$3.98M 2.47%	48.09K
ISHARES TRSOLE	ISHS 5-10YR INVT	72.95K	SH	$3.89M 2.41%	72.95K
VANGUARD INDEX FDSSOLE	S&P 500 ETF SHS	3.15K	SH	$1.79M 1.11%	3.15K
SCIENCE APPLICATIONS INTL COSOLE	COM	15.63K	SH	$1.76M 1.09%	15.63K
SPDR GOLD TRSOLE	GOLD SHS	3.87K	SH	$1.18M 0.73%	3.87K
VANGUARD STAR FDSSOLE	VG TL INTL STK F	15.74K	SH	$1.09M 0.67%	15.74K
APPLE INCSOLE	COM	5.07K	SH	$1.04M 0.64%	5.07K
VANGUARD INDEX FDSSOLE	MCAP VL IDXVIP	5.28K	SH	$867.7K 0.54%	5.28K
INVESCO DB US DLR INDEX TRSOLE	BULLISH FD	28.48K	SH	$765.4K 0.47%	28.48K
VANGUARD INDEX FDSSOLE	REAL ESTATE ETF	7.88K	SH	$701.5K 0.44%	7.88K
VANGUARD SCOTTSDALE FDSSOLE	VNG RUS1000IDX	2.47K	SH	$692.5K 0.43%	2.47K
COCA COLA COSOLE	COM	8.10K	SH	$573.4K 0.36%	8.10K
NVIDIA CORPORATIONSOLE	COM	3.62K	SH	$571.9K 0.35%	3.62K

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