RICHARDSON FINANCIAL SERVICES INC.

Filed: 7/25/2025ACC: 0002012303-25-000003

📋 What this filing means

RICHARDSON FINANCIAL SERVICES INC. filed this quarterly 13F‑HR report disclosing 729 equity positions with a total reported market value of $148.86M. This filing provides a transparent view of the manager's long equity holdings as of the quarter end.

729

Positions

$148.86M

Total AUM (reported)

1.75M

Total Shares

Allocation by class

COMMON STOCKS$58.60M39.4%

ETF - EQUITY$51.60M34.7%

EXCHANGE TRADED FUND$16.66M11.2%

ETF - FIXED INCOME$15.39M10.3%

FOREIGN COMMON STOCKS$3.86M2.6%

MUTUAL FUND$1.57M1.1%

COMMON STOCK$860.6K0.6%

Portfolio Concentration

Top 3$16.84M11.3%

4–10$21.20M14.2%

11–25$25.58M17.2%

Rest$85.24M57.3%

Top 3 weight

11.3%

Top 10 weight

25.6%

Voting Authority Distribution

Total shares with voting rights: 1.75M

Sole

Full voting authority

0.00

% of voting shares0.0%

Shared

Joint voting authority

0.00

% of voting shares0.0%

None

No voting authority

1.75M

% of voting shares100.0%

Investment Discretion (by position count)

Sole729

Shared0

Other0

Dominant voting typeNone · 100.0% of voting shares

Institutional Holdings729

Rows:

SPDR S&P 500 ETF

SOLE

ETF - EQUITY

Shares93.12K

TypeSH

Market value$6.77M

4.54%

Sole

0.00

Shared

0.00

None

93.12K

APPLE INC

SOLE

COMMON STOCKS

Shares25.96K

TypeSH

Market value$5.39M

3.62%

Sole

0.00

Shared

0.00

None

25.96K

VANGUARD VALUE ETF

SOLE

ETF - EQUITY

Shares26.21K

TypeSH

Market value$4.68M

3.14%

Sole

0.00

Shared

0.00

None

26.21K

VANGUARD GROWTH ETF

SOLE

ETF - EQUITY

Shares9.78K

TypeSH

Market value$4.24M

2.85%

Sole

0.00

Shared

0.00

None

9.78K

NVIDIA CORP

SOLE

COMMON STOCKS

Shares23.73K

TypeSH

Market value$3.64M

2.44%

Sole

0.00

Shared

0.00

None

23.73K

MICROSOFT CORPORATION

SOLE

COMMON STOCKS

Shares6.13K

TypeSH

Market value$3.02M

2.03%

Sole

0.00

Shared

0.00

None

6.13K

SPDR DEV WORLD EX-US ETF

SOLE

ETF - EQUITY

Shares65.27K

TypeSH

Market value$2.64M

1.77%

Sole

0.00

Shared

0.00

None

65.27K

ISHARES CORE MSCI EUROPE ETF

SOLE

ETF - EQUITY

Shares39.07K

TypeSH

Market value$2.59M

1.74%

Sole

0.00

Shared

0.00

None

39.07K

Vanguard FTSE Developed Markets ETF

SOLE

Exchange Traded Fund

Shares44.85K

TypeSH

Market value$2.56M

1.72%

Sole

0.00

Shared

0.00

None

44.85K

SPDR EMERG MKTS ETF

SOLE

ETF - EQUITY

Shares58.78K

TypeSH

Market value$2.52M

1.69%

Sole

0.00

Shared

0.00

None

58.78K

ISHS IBOX $ H/Y CORP ETF

SOLE

ETF - FIXED INCOME

Shares29.41K

TypeSH

Market value$2.36M

1.58%

Sole

0.00

Shared

0.00

None

29.41K

ISHS CORE MSCI E/MKT ETF

SOLE

ETF - EQUITY

Shares38.13K

TypeSH

Market value$2.29M

1.54%

Sole

0.00

Shared

0.00

None

38.13K

Vanguard S&P 500 ETF

SOLE

Exchange Traded Fund

Shares3.64K

TypeSH

Market value$2.07M

1.39%

Sole

0.00

Shared

0.00

None

3.64K

Vanguard Growth ETF

SOLE

Exchange Traded Fund

Shares4.71K

TypeSH

Market value$2.06M

1.39%

Sole

0.00

Shared

0.00

None

4.71K

AMAZON.COM INC

SOLE

COMMON STOCKS

Shares8.65K

TypeSH

Market value$1.91M

1.28%

Sole

0.00

Shared

0.00

None

8.65K

VANGUARD SMALL CAP GROWTH ETF

SOLE

ETF - EQUITY

Shares6.77K

TypeSH

Market value$1.87M

1.26%

Sole

0.00

Shared

0.00

None

6.77K

ALPHABET INC A

SOLE

COMMON STOCKS

Shares10.18K

TypeSH

Market value$1.79M

1.20%

Sole

0.00

Shared

0.00

None

10.18K

Vanguard Value ETF

SOLE

Exchange Traded Fund

Shares8.66K

TypeSH

Market value$1.53M

1.03%

Sole

0.00

Shared

0.00

None

8.66K

VISA INC CL A

SOLE

COMMON STOCKS

Shares4.30K

TypeSH

Market value$1.53M

1.03%

Sole

0.00

Shared

0.00

None

4.30K

VANGUARD SMALL CAP VALUE ETF

SOLE

ETF - EQUITY

Shares7.45K

TypeSH

Market value$1.48M

0.99%

Sole

0.00

Shared

0.00

None

7.45K

ISHARES 0-5 YEAR HIGH YIELD CORP ETF

SOLE

ETF - FIXED INCOME

Shares32.87K

TypeSH

Market value$1.41M

0.95%

Sole

0.00

Shared

0.00

None

32.87K

JPMORGAN CHASE & CO

SOLE

COMMON STOCKS

Shares4.85K

TypeSH

Market value$1.41M

0.95%

Sole

0.00

Shared

0.00

None

4.85K

MASTERCARD INC A

SOLE

COMMON STOCKS

Shares2.38K

TypeSH

Market value$1.35M

0.90%

Sole

0.00

Shared

0.00

None

2.38K

ISHARES CORE MSCI PACIFIC ETF

SOLE

ETF - EQUITY

Shares18.90K

TypeSH

Market value$1.29M

0.87%

Sole

0.00

Shared

0.00

None

18.90K

SPDR AGGREGATE BOND ETF

SOLE

ETF - FIXED INCOME

Shares48.51K

TypeSH

Market value$1.24M

0.83%

Sole

0.00

Shared

0.00

None

48.51K

Issuer	Class	Shares	Type	Value / Portfolio %	None
SPDR S&P 500 ETFSOLE	ETF - EQUITY	93.12K	SH	$6.77M 4.54%	93.12K
APPLE INCSOLE	COMMON STOCKS	25.96K	SH	$5.39M 3.62%	25.96K
VANGUARD VALUE ETFSOLE	ETF - EQUITY	26.21K	SH	$4.68M 3.14%	26.21K
VANGUARD GROWTH ETFSOLE	ETF - EQUITY	9.78K	SH	$4.24M 2.85%	9.78K
NVIDIA CORPSOLE	COMMON STOCKS	23.73K	SH	$3.64M 2.44%	23.73K
MICROSOFT CORPORATIONSOLE	COMMON STOCKS	6.13K	SH	$3.02M 2.03%	6.13K
SPDR DEV WORLD EX-US ETFSOLE	ETF - EQUITY	65.27K	SH	$2.64M 1.77%	65.27K
ISHARES CORE MSCI EUROPE ETFSOLE	ETF - EQUITY	39.07K	SH	$2.59M 1.74%	39.07K
Vanguard FTSE Developed Markets ETFSOLE	Exchange Traded Fund	44.85K	SH	$2.56M 1.72%	44.85K
SPDR EMERG MKTS ETFSOLE	ETF - EQUITY	58.78K	SH	$2.52M 1.69%	58.78K
ISHS IBOX $ H/Y CORP ETFSOLE	ETF - FIXED INCOME	29.41K	SH	$2.36M 1.58%	29.41K
ISHS CORE MSCI E/MKT ETFSOLE	ETF - EQUITY	38.13K	SH	$2.29M 1.54%	38.13K
Vanguard S&P 500 ETFSOLE	Exchange Traded Fund	3.64K	SH	$2.07M 1.39%	3.64K
Vanguard Growth ETFSOLE	Exchange Traded Fund	4.71K	SH	$2.06M 1.39%	4.71K
AMAZON.COM INCSOLE	COMMON STOCKS	8.65K	SH	$1.91M 1.28%	8.65K
VANGUARD SMALL CAP GROWTH ETFSOLE	ETF - EQUITY	6.77K	SH	$1.87M 1.26%	6.77K
ALPHABET INC ASOLE	COMMON STOCKS	10.18K	SH	$1.79M 1.20%	10.18K
Vanguard Value ETFSOLE	Exchange Traded Fund	8.66K	SH	$1.53M 1.03%	8.66K
VISA INC CL ASOLE	COMMON STOCKS	4.30K	SH	$1.53M 1.03%	4.30K
VANGUARD SMALL CAP VALUE ETFSOLE	ETF - EQUITY	7.45K	SH	$1.48M 0.99%	7.45K
ISHARES 0-5 YEAR HIGH YIELD CORP ETFSOLE	ETF - FIXED INCOME	32.87K	SH	$1.41M 0.95%	32.87K
JPMORGAN CHASE & COSOLE	COMMON STOCKS	4.85K	SH	$1.41M 0.95%	4.85K
MASTERCARD INC ASOLE	COMMON STOCKS	2.38K	SH	$1.35M 0.90%	2.38K
ISHARES CORE MSCI PACIFIC ETFSOLE	ETF - EQUITY	18.90K	SH	$1.29M 0.87%	18.90K
SPDR AGGREGATE BOND ETFSOLE	ETF - FIXED INCOME	48.51K	SH	$1.24M 0.83%	48.51K

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