Filed: 2/13/2026ACC: 0001962532-26-000001
📋 What this filing means
RETIREMENT FINANCIAL SOLUTIONS, LLC filed this quarterly 13F‑HR report disclosing 47 equity positions with a total reported market value of $341.61M. This filing provides a transparent view of the manager's long equity holdings as of the quarter end.
47
Positions
$341.61M
Total AUM (reported)
4.74M
Total Shares
Allocation by class
STATE STREET SPD$55.07M16.1%
US EQT ETF$37.24M10.9%
AVANTIS US SMALL$21.73M6.4%
US SML CP VALU$21.72M6.4%
LONG TERM TREAS$17.60M5.2%
NASDAQ 100 ETF$17.54M5.1%
7-10 YR TRSY BD$17.36M5.1%
Portfolio Concentration
Top 3$80.70M23.6%
4–10$129.07M37.8%
11–25$116.42M34.1%
Rest$15.43M4.5%
Top 3 weight
23.6%
Top 10 weight
61.4%
Voting Authority Distribution
Total shares with voting rights: 4.74M
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
4.74M
shares
% of voting shares100.0%
Investment Discretion (by position count)
Sole47
Shared0
Other0
Dominant voting typeNone · 100.0% of voting shares
Institutional Holdings47
Rows:
AMERICAN CENTY ETF TR
SOLEShares333.19K
TypeSH
Market value$37.24M
10.90%
Sole
0.00
Shared
0.00
None
333.19K
AMERICAN CENTY ETF TR
SOLEShares369.88K
TypeSH
Market value$21.73M
6.36%
Sole
0.00
Shared
0.00
None
369.88K
AMERICAN CENTY ETF TR
SOLEShares213.02K
TypeSH
Market value$21.72M
6.36%
Sole
0.00
Shared
0.00
None
213.02K
SPDR SERIES TRUST
SOLEShares269.85K
TypeSH
Market value$21.65M
6.34%
Sole
0.00
Shared
0.00
None
269.85K
SPDR SERIES TRUST
SOLEShares371.97K
TypeSH
Market value$21.54M
6.31%
Sole
0.00
Shared
0.00
None
371.97K
VANGUARD SCOTTSDALE FDS
SOLEShares315.44K
TypeSH
Market value$17.60M
5.15%
Sole
0.00
Shared
0.00
None
315.44K
INVESCO EXCH TRADED FD TR II
SOLEShares69.36K
TypeSH
Market value$17.54M
5.14%
Sole
0.00
Shared
0.00
None
69.36K
ISHARES TR
SOLEShares180.52K
TypeSH
Market value$17.36M
5.08%
Sole
0.00
Shared
0.00
None
180.52K
SPDR DOW JONES INDL AVERAGE
SOLEShares35.42K
TypeSH
Market value$17.02M
4.98%
Sole
0.00
Shared
0.00
None
35.42K
INVESCO EXCH TRADED FD TR II
SOLEShares443.92K
TypeSH
Market value$16.36M
4.79%
Sole
0.00
Shared
0.00
None
443.92K
VANGUARD INTL EQUITY INDEX F
SOLEShares292.88K
TypeSH
Market value$15.74M
4.61%
Sole
0.00
Shared
0.00
None
292.88K
SCHWAB STRATEGIC TR
SOLEShares487.42K
TypeSH
Market value$13.37M
3.91%
Sole
0.00
Shared
0.00
None
487.42K
VANGUARD WORLD FD
SOLEShares46.08K
TypeSH
Market value$11.57M
3.39%
Sole
0.00
Shared
0.00
None
46.08K
INVESCO EXCHANGE TRADED FD T
SOLEShares58.22K
TypeSH
Market value$11.15M
3.26%
Sole
0.00
Shared
0.00
None
58.22K
AMERICAN CENTY ETF TR
SOLEShares143.07K
TypeSH
Market value$11.02M
3.23%
Sole
0.00
Shared
0.00
None
143.07K
INVESCO ACTIVELY MANAGED EXC
SOLEShares183.16K
TypeSH
Market value$9.33M
2.73%
Sole
0.00
Shared
0.00
None
183.16K
SPDR SERIES TRUST
SOLEShares54.76K
TypeSH
Market value$5.84M
1.71%
Sole
0.00
Shared
0.00
None
54.76K
INVESCO EXCH TRADED FD TR II
SOLEShares50.75K
TypeSH
Market value$5.81M
1.70%
Sole
0.00
Shared
0.00
None
50.75K
VANGUARD SCOTTSDALE FDS
SOLEShares98.88K
TypeSH
Market value$5.81M
1.70%
Sole
0.00
Shared
0.00
None
98.88K
WISDOMTREE TR
SOLEShares81.65K
TypeSH
Market value$5.79M
1.69%
Sole
0.00
Shared
0.00
None
81.65K
SPDR SERIES TRUST
SOLEShares100.52K
TypeSH
Market value$5.71M
1.67%
Sole
0.00
Shared
0.00
None
100.52K
ISHARES TR
SOLEShares103.24K
TypeSH
Market value$4.43M
1.30%
Sole
0.00
Shared
0.00
None
103.24K
ISHARES TR
SOLEShares81.46K
TypeSH
Market value$4.39M
1.28%
Sole
0.00
Shared
0.00
None
81.46K
VANGUARD WORLD FD
SOLEShares66.97K
TypeSH
Market value$4.35M
1.27%
Sole
0.00
Shared
0.00
None
66.97K
VANGUARD INDEX FDS
SOLEShares3.34K
TypeSH
Market value$2.10M
0.61%
Sole
0.00
Shared
0.00
None
3.34K
| Issuer | Class | Shares | Type | Value / Portfolio % | Voting — Sole | Shared | None |
|---|---|---|---|---|---|---|---|
AMERICAN CENTY ETF TRSOLE | US EQT ETF | 333.19K | SH | $37.24M 10.90% | 0.00 | 0.00 | 333.19K |
AMERICAN CENTY ETF TRSOLE | AVANTIS US SMALL | 369.88K | SH | $21.73M 6.36% | 0.00 | 0.00 | 369.88K |
AMERICAN CENTY ETF TRSOLE | US SML CP VALU | 213.02K | SH | $21.72M 6.36% | 0.00 | 0.00 | 213.02K |
SPDR SERIES TRUSTSOLE | STATE STREET SPD | 269.85K | SH | $21.65M 6.34% | 0.00 | 0.00 | 269.85K |
SPDR SERIES TRUSTSOLE | STATE STREET SPD | 371.97K | SH | $21.54M 6.31% | 0.00 | 0.00 | 371.97K |
VANGUARD SCOTTSDALE FDSSOLE | LONG TERM TREAS | 315.44K | SH | $17.60M 5.15% | 0.00 | 0.00 | 315.44K |
INVESCO EXCH TRADED FD TR IISOLE | NASDAQ 100 ETF | 69.36K | SH | $17.54M 5.14% | 0.00 | 0.00 | 69.36K |
ISHARES TRSOLE | 7-10 YR TRSY BD | 180.52K | SH | $17.36M 5.08% | 0.00 | 0.00 | 180.52K |
SPDR DOW JONES INDL AVERAGESOLE | UT SER 1 | 35.42K | SH | $17.02M 4.98% | 0.00 | 0.00 | 35.42K |
INVESCO EXCH TRADED FD TR IISOLE | NASDAQNXTGEN100 | 443.92K | SH | $16.36M 4.79% | 0.00 | 0.00 | 443.92K |
VANGUARD INTL EQUITY INDEX FSOLE | FTSE EMR MKT ETF | 292.88K | SH | $15.74M 4.61% | 0.00 | 0.00 | 292.88K |
SCHWAB STRATEGIC TRSOLE | US DIVIDEND EQ | 487.42K | SH | $13.37M 3.91% | 0.00 | 0.00 | 487.42K |
VANGUARD WORLD FDSOLE | MEGA CAP INDEX | 46.08K | SH | $11.57M 3.39% | 0.00 | 0.00 | 46.08K |
INVESCO EXCHANGE TRADED FD TSOLE | S&P500 EQL WGT | 58.22K | SH | $11.15M 3.26% | 0.00 | 0.00 | 58.22K |
AMERICAN CENTY ETF TRSOLE | AVANTIS EMGMKT | 143.07K | SH | $11.02M 3.23% | 0.00 | 0.00 | 143.07K |
INVESCO ACTIVELY MANAGED EXCSOLE | S&P 500 EQUAL WE | 183.16K | SH | $9.33M 2.73% | 0.00 | 0.00 | 183.16K |
SPDR SERIES TRUSTSOLE | STATE STREET SPD | 54.76K | SH | $5.84M 1.71% | 0.00 | 0.00 | 54.76K |
INVESCO EXCH TRADED FD TR IISOLE | S&P 500 REVENUE | 50.75K | SH | $5.81M 1.70% | 0.00 | 0.00 | 50.75K |
VANGUARD SCOTTSDALE FDSSOLE | SHORT TERM TREAS | 98.88K | SH | $5.81M 1.70% | 0.00 | 0.00 | 98.88K |
WISDOMTREE TRSOLE | US LARGECAP FUND | 81.65K | SH | $5.79M 1.69% | 0.00 | 0.00 | 81.65K |
SPDR SERIES TRUSTSOLE | STATE STREET SPD | 100.52K | SH | $5.71M 1.67% | 0.00 | 0.00 | 100.52K |
ISHARES TRSOLE | 0-5YR HI YL CP | 103.24K | SH | $4.43M 1.30% | 0.00 | 0.00 | 103.24K |
ISHARES TRSOLE | ISHS 5-10YR INVT | 81.46K | SH | $4.39M 1.28% | 0.00 | 0.00 | 81.46K |
VANGUARD WORLD FDSOLE | EXTENDED DUR | 66.97K | SH | $4.35M 1.27% | 0.00 | 0.00 | 66.97K |
VANGUARD INDEX FDSSOLE | S&P 500 ETF SHS | 3.34K | SH | $2.10M 0.61% | 0.00 | 0.00 | 3.34K |
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