Filed: 10/22/2025ACC: 0001962532-25-000006
📋 What this filing means
RETIREMENT FINANCIAL SOLUTIONS, LLC filed this quarterly 13F‑HR report disclosing 39 equity positions with a total reported market value of $163.68M. This filing provides a transparent view of the manager's long equity holdings as of the quarter end.
39
Positions
$163.68M
Total AUM (reported)
2.82M
Total Shares
Allocation by class
PORTFOLIO S&P500$17.31M10.6%
PORTFOLIO S&P400$16.09M9.8%
AVANTIS US SMALL$16.08M9.8%
US SML CP VALU$15.86M9.7%
NASDAQNXTGEN100$12.12M7.4%
FTSE EMR MKT ETF$11.79M7.2%
7-10 YR TRSY BD$10.73M6.6%
Portfolio Concentration
Top 3$49.48M30.2%
4–10$76.95M47.0%
11–25$32.48M19.8%
Rest$4.78M2.9%
Top 3 weight
30.2%
Top 10 weight
77.2%
Voting Authority Distribution
Total shares with voting rights: 2.82M
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
2.82M
shares
% of voting shares100.0%
Investment Discretion (by position count)
Sole39
Shared0
Other0
Dominant voting typeNone · 100.0% of voting shares
Institutional Holdings39
Rows:
SPDR SERIES TRUST
SOLEShares220.90K
TypeSH
Market value$17.31M
10.57%
Sole
0.00
Shared
0.00
None
220.90K
SPDR SERIES TRUST
SOLEShares281.29K
TypeSH
Market value$16.09M
9.83%
Sole
0.00
Shared
0.00
None
281.29K
AMERICAN CENTY ETF TR
SOLEShares280.92K
TypeSH
Market value$16.08M
9.83%
Sole
0.00
Shared
0.00
None
280.92K
AMERICAN CENTY ETF TR
SOLEShares159.31K
TypeSH
Market value$15.86M
9.69%
Sole
0.00
Shared
0.00
None
159.31K
INVESCO EXCH TRADED FD TR II
SOLEShares338.55K
TypeSH
Market value$12.12M
7.40%
Sole
0.00
Shared
0.00
None
338.55K
VANGUARD INTL EQUITY INDEX F
SOLEShares217.67K
TypeSH
Market value$11.79M
7.21%
Sole
0.00
Shared
0.00
None
217.67K
ISHARES TR
SOLEShares111.29K
TypeSH
Market value$10.73M
6.56%
Sole
0.00
Shared
0.00
None
111.29K
VANGUARD SCOTTSDALE FDS
SOLEShares166.74K
TypeSH
Market value$9.48M
5.79%
Sole
0.00
Shared
0.00
None
166.74K
SCHWAB STRATEGIC TR
SOLEShares316.78K
TypeSH
Market value$8.65M
5.28%
Sole
0.00
Shared
0.00
None
316.78K
WISDOMTREE TR
SOLEShares165.10K
TypeSH
Market value$8.32M
5.08%
Sole
0.00
Shared
0.00
None
165.10K
J P MORGAN EXCHANGE TRADED F
SOLEShares112.42K
TypeSH
Market value$6.42M
3.92%
Sole
0.00
Shared
0.00
None
112.42K
VANGUARD WORLD FD
SOLEShares87.30K
TypeSH
Market value$5.98M
3.65%
Sole
0.00
Shared
0.00
None
87.30K
VANGUARD SCOTTSDALE FDS
SOLEShares60.23K
TypeSH
Market value$3.54M
2.17%
Sole
0.00
Shared
0.00
None
60.23K
ISHARES TR
SOLEShares53.84K
TypeSH
Market value$2.91M
1.78%
Sole
0.00
Shared
0.00
None
53.84K
ISHARES TR
SOLEShares67.23K
TypeSH
Market value$2.91M
1.78%
Sole
0.00
Shared
0.00
None
67.23K
VANGUARD INDEX FDS
SOLEShares3.23K
TypeSH
Market value$1.98M
1.21%
Sole
0.00
Shared
0.00
None
3.23K
SCIENCE APPLICATIONS INTL CO
SOLEShares15.63K
TypeSH
Market value$1.55M
0.95%
Sole
0.00
Shared
0.00
None
15.63K
APPLE INC
SOLEShares4.74K
TypeSH
Market value$1.21M
0.74%
Sole
0.00
Shared
0.00
None
4.74K
VANGUARD STAR FDS
SOLEShares15.82K
TypeSH
Market value$1.16M
0.71%
Sole
0.00
Shared
0.00
None
15.82K
ISHARES GOLD TR
SOLEShares24.75K
TypeSH
Market value$953.0K
0.58%
Sole
0.00
Shared
0.00
None
24.75K
VANGUARD INDEX FDS
SOLEShares5.30K
TypeSH
Market value$925.9K
0.57%
Sole
0.00
Shared
0.00
None
5.30K
VANGUARD SCOTTSDALE FDS
SOLEShares9.95K
TypeSH
Market value$837.0K
0.51%
Sole
0.00
Shared
0.00
None
9.95K
VANGUARD SCOTTSDALE FDS
SOLEShares2.47K
TypeSH
Market value$747.6K
0.46%
Sole
0.00
Shared
0.00
None
2.47K
NVIDIA CORPORATION
SOLEShares3.66K
TypeSH
Market value$683.6K
0.42%
Sole
0.00
Shared
0.00
None
3.66K
VANGUARD INDEX FDS
SOLEShares7.32K
TypeSH
Market value$669.4K
0.41%
Sole
0.00
Shared
0.00
None
7.32K
| Issuer | Class | Shares | Type | Value / Portfolio % | Voting — Sole | Shared | None |
|---|---|---|---|---|---|---|---|
SPDR SERIES TRUSTSOLE | PORTFOLIO S&P500 | 220.90K | SH | $17.31M 10.57% | 0.00 | 0.00 | 220.90K |
SPDR SERIES TRUSTSOLE | PORTFOLIO S&P400 | 281.29K | SH | $16.09M 9.83% | 0.00 | 0.00 | 281.29K |
AMERICAN CENTY ETF TRSOLE | AVANTIS US SMALL | 280.92K | SH | $16.08M 9.83% | 0.00 | 0.00 | 280.92K |
AMERICAN CENTY ETF TRSOLE | US SML CP VALU | 159.31K | SH | $15.86M 9.69% | 0.00 | 0.00 | 159.31K |
INVESCO EXCH TRADED FD TR IISOLE | NASDAQNXTGEN100 | 338.55K | SH | $12.12M 7.40% | 0.00 | 0.00 | 338.55K |
VANGUARD INTL EQUITY INDEX FSOLE | FTSE EMR MKT ETF | 217.67K | SH | $11.79M 7.21% | 0.00 | 0.00 | 217.67K |
ISHARES TRSOLE | 7-10 YR TRSY BD | 111.29K | SH | $10.73M 6.56% | 0.00 | 0.00 | 111.29K |
VANGUARD SCOTTSDALE FDSSOLE | LONG TERM TREAS | 166.74K | SH | $9.48M 5.79% | 0.00 | 0.00 | 166.74K |
SCHWAB STRATEGIC TRSOLE | US DIVIDEND EQ | 316.78K | SH | $8.65M 5.28% | 0.00 | 0.00 | 316.78K |
WISDOMTREE TRSOLE | EUROPE HEDGED EQ | 165.10K | SH | $8.32M 5.08% | 0.00 | 0.00 | 165.10K |
J P MORGAN EXCHANGE TRADED FSOLE | EQUITY PREMIUM | 112.42K | SH | $6.42M 3.92% | 0.00 | 0.00 | 112.42K |
VANGUARD WORLD FDSOLE | EXTENDED DUR | 87.30K | SH | $5.98M 3.65% | 0.00 | 0.00 | 87.30K |
VANGUARD SCOTTSDALE FDSSOLE | SHORT TERM TREAS | 60.23K | SH | $3.54M 2.17% | 0.00 | 0.00 | 60.23K |
ISHARES TRSOLE | ISHS 5-10YR INVT | 53.84K | SH | $2.91M 1.78% | 0.00 | 0.00 | 53.84K |
ISHARES TRSOLE | 0-5YR HI YL CP | 67.23K | SH | $2.91M 1.78% | 0.00 | 0.00 | 67.23K |
VANGUARD INDEX FDSSOLE | S&P 500 ETF SHS | 3.23K | SH | $1.98M 1.21% | 0.00 | 0.00 | 3.23K |
SCIENCE APPLICATIONS INTL COSOLE | COM | 15.63K | SH | $1.55M 0.95% | 0.00 | 0.00 | 15.63K |
APPLE INCSOLE | COM | 4.74K | SH | $1.21M 0.74% | 0.00 | 0.00 | 4.74K |
VANGUARD STAR FDSSOLE | VG TL INTL STK F | 15.82K | SH | $1.16M 0.71% | 0.00 | 0.00 | 15.82K |
ISHARES GOLD TRSOLE | SHARES REPRESENT | 24.75K | SH | $953.0K 0.58% | 0.00 | 0.00 | 24.75K |
VANGUARD INDEX FDSSOLE | MCAP VL IDXVIP | 5.30K | SH | $925.9K 0.57% | 0.00 | 0.00 | 5.30K |
VANGUARD SCOTTSDALE FDSSOLE | INT-TERM CORP | 9.95K | SH | $837.0K 0.51% | 0.00 | 0.00 | 9.95K |
VANGUARD SCOTTSDALE FDSSOLE | VNG RUS1000IDX | 2.47K | SH | $747.6K 0.46% | 0.00 | 0.00 | 2.47K |
NVIDIA CORPORATIONSOLE | COM | 3.66K | SH | $683.6K 0.42% | 0.00 | 0.00 | 3.66K |
VANGUARD INDEX FDSSOLE | REAL ESTATE ETF | 7.32K | SH | $669.4K 0.41% | 0.00 | 0.00 | 7.32K |
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