Q3 2026 13F · SEC CIK 2112984

Clear Retirement Advice LLC

Wealth managerFiled 2026-10-22 for Q3 2026. Open the filing ↗ · All SEC filings ↗

Reported 13F value: $149.0M
Reported positions: 60
Holdings vs S&P 500, 3 yrs: —
Assets under management: $153.4M

Clear Retirement Advice LLC is a wealth manager that reported 60 positions worth $149.0M in its Q3 2026 13F, filed 2026-10-22. Its largest holdings were Schwab Strategic Tr (SCHO, 11.1%), Spdr Index Shs Fds (SPDW, 10.5%), Ishares Tr (ITOT, 10.2%).

Clear Retirement Advice LLC holdings largest 50 of 60 positions.

Weights are shares of the filer's total reported 13F value, compared with Q2 2026. Share changes may reflect splits; weight changes also reflect price moves. A 13F shows long US-listed positions only, up to 135 days after the fact.

Clear Retirement Advice LLC 13F holdings
Stock	% of 13F value	Q2 2026	Shares	Share change	Reported value
SCHOSchwab Strategic Tr	11.1%	11.1%	690,428	+3.1%	$16.5M
SPDWSpdr Index Shs Fds	10.5%	10.7%	311,958	+1.1%	$15.7M
ITOTIshares Tr	10.2%	10.2%	91,128	+0.6%	$15.2M
CLTLInvesco Exch Traded Fd Tr II	8.9%	8.8%	125,697	+3.1%	$13.3M
IGSBIshares Tr	5.6%	5.5%	162,569	+7.1%	$8.3M
VBRVanguard Index Fds	5.3%	5.8%	34,444	-0.7%	$8.0M
VBKVanguard Index Fds	4.3%	4.9%	19,155	-2.2%	$6.5M
SGOLEtfs Gold Tr	4.3%	3.8%	161,506	+10.3%	$6.4M
VWOVanguard Intl Equity Index F	4.2%	4.3%	106,547	+0.7%	$6.3M
SPYVState Street Spdr Portfolio S&p 500 Valu	3.7%	3.7%	89,357	-0.3%	$5.5M
VTIVanguard Index Fds	3.4%	3.5%	13,681	-1.9%	$5.1M
SPYGState Street Spdr Portfolio S&p 500 Grow	3.1%	3.1%	37,804	-1.9%	$4.7M
VEAVanguard Ftse Developed Markets Index Fu	1.8%	2.1%	38,327	-8.9%	$2.7M
VCSHVanguard Scottsdale Fds	1.7%	1.9%	33,332	-5.3%	$2.6M
AAPLApple Inc	1.6%	1.3%	7,338	+12.5%	$2.4M
SCHFSchwab Strategic Tr	1.6%	1.7%	86,278	-1.2%	$2.4M
SCHBSchwab Strategic Tr	1.6%	1.6%	79,147	-0.2%	$2.3M
IAUIshares Gold Tr	1.5%	1.4%	27,769	-0.6%	$2.2M
IEMGIshares Inc	1.4%	1.5%	25,712	-1.9%	$2.1M
SCHVSchwab Strategic Tr	1.2%	1.4%	53,265	-7.2%	$1.8M
SLYGSpdr Series Trust	0.8%	1.0%	11,460	-3.8%	$1.2M
VGTVanguard World Fd	0.8%	0.7%	8,992	+0.0%	$1.1M
SHYIshares Tr	0.7%	0.7%	13,029	+7.4%	$1.1M
SCHGSchwab Strategic Tr	0.7%	0.7%	27,146	-7.5%	$975K
VTVVanguard Index Fds	0.6%	0.6%	3,844	-0.1%	$831K
SLYVSpdr Series Trust	0.5%	0.6%	7,993	-1.5%	$816K
SPYState Str Spdr S&p 500 ETF T	0.5%	0.4%	1,017	+16.4%	$776K
GOOGLAlphabet Inc	0.5%	0.5%	2,181	+15.0%	$750K
VVisa Inc	0.5%	0.5%	2,017	+0.7%	$725K
GOOGAlphabet Inc	0.5%	0.4%	2,027	+9.4%	$691K
VTWVVanguard Scottsdale Fds	0.4%	0.5%	3,613	+0.0%	$667K
MAMastercard Incorporated	0.4%	0.4%	1,030	+0.1%	$568K
KLACKla Corp	0.4%	—	2,786	—	$543K
NVDANvidia Corporation	0.4%	—	2,345	—	$536K
SCHHSchwab Strategic Tr	0.4%	0.4%	24,235	+0.0%	$534K
MUBIshares Tr	0.3%	0.2%	4,257	+32.3%	$430K
VUGVanguard Index Fds	0.3%	0.3%	4,660	-2.1%	$420K
XLISelect Sector Spdr Tr	0.3%	0.3%	2,377	+0.0%	$397K
SPEMSpdr Index Shs Fds	0.3%	0.3%	7,412	+0.0%	$384K
XLKSelect Sector Spdr Tr	0.3%	0.3%	1,938	-5.7%	$379K
XLVSelect Sector Spdr Tr	0.3%	0.2%	2,236	+0.0%	$377K
XLYSelect Sector Spdr Tr	0.2%	0.3%	3,352	+0.0%	$365K
ITMVaneck ETF Trust	0.2%	0.2%	7,552	+0.0%	$332K
RSPInvesco Exchange Traded Fd T	0.2%	0.2%	1,519	+0.0%	$316K
VOXVanguard Telecommunication Ser	0.2%	0.2%	1,635	+0.0%	$312K
MUMicron Technology Inc	0.2%	—	286	—	$305K
JNJJohnson & Johnson	0.2%	0.2%	1,082	+0.0%	$286K
PLTRPalantir Technologies Inc	0.2%	—	1,520	—	$284K
FASTFastenal Co	0.2%	0.2%	5,694	+0.0%	$282K
EFGIshares Tr	0.2%	0.2%	2,331	+0.0%	$279K

What Clear Retirement Advice LLC bought and sold in Q3 2026, against Q2 2026.

New positions

Q2 2026's filing was too long to tell new positions apart.

Added to

MUB Ishares Tr+32.3% shares
SPY State Str Spdr S&p 500 ETF T+16.4% shares
GOOGL Alphabet Inc+15.0% shares
AAPL Apple Inc+12.5% shares
SGOL Etfs Gold Tr+10.3% shares
GOOG Alphabet Inc+9.4% shares
SHY Ishares Tr+7.4% shares
IGSB Ishares Tr+7.1% shares

Reduced

VEA Vanguard Ftse Developed Markets Index Fu-8.9% shares
SCHG Schwab Strategic Tr-7.5% shares
SCHV Schwab Strategic Tr-7.2% shares
XLK Select Sector Spdr Tr-5.7% shares
VCSH Vanguard Scottsdale Fds-5.3% shares

Left the top 50

Share counts compared with the Q2 2026 13F; a split also changes share counts. The latest filing lists more than 50 positions, so a position that left the top 50 may still be held.

How the holdings did against the S&P 500.

1 year: —
3 years: —
5 years: —

A portfolio of the filer's 20 largest 13F positions, weighted by value, bought the trading day after each 13F was filed and held until the next one was: what copying this filer could have earned. 13Fs show long US-listed positions only, so this is an estimate of the stock picks, not the fund's reported returns.

Reported 13F value by quarter.

13F value by quarter
Quarter	13F value	Positions
Q3 2026	$149.0M	60
Q2 2026	$146.0M	54
Q1 2026	$127.4M	54
Q4 2025	$128.6M	53

Questions about Clear Retirement Advice LLC's portfolio

What stocks does Clear Retirement Advice LLC own?

Clear Retirement Advice LLC's latest 13F, for Q3 2026 and filed Oct 22, 2026, lists 60 positions worth $149.0M. The largest are Schwab Strategic Tr (SCHO) at 11.1%, Spdr Index Shs Fds (SPDW) at 10.5%, Ishares Tr (ITOT) at 10.2%, Invesco Exch Traded Fd Tr II (CLTL) at 8.9% and Ishares Tr (IGSB) at 5.6%.

What did Clear Retirement Advice LLC buy last quarter?

In Q3 2026, Clear Retirement Advice LLC added Ishares Tr (MUB) (+32.3% shares), State Str Spdr S&p 500 ETF T (SPY) (+16.4% shares) and Alphabet Inc (GOOGL) (+15.0% shares), compared with its Q2 2026 filing.

What did Clear Retirement Advice LLC sell last quarter?

In Q3 2026, Clear Retirement Advice LLC cut from its top 50 Select Sector Spdr Tr (XLU), cut from its top 50 Autozone Inc (AZO), cut from its top 50 Ishares Tr (IWO), cut from its top 50 Select Sector Spdr Tr (XLP), Vanguard Ftse Developed Markets Index Fu (VEA) (-8.9% shares), Schwab Strategic Tr (SCHG) (-7.5% shares) and Schwab Strategic Tr (SCHV) (-7.2% shares), compared with its Q2 2026 filing.

When is Clear Retirement Advice LLC's next 13F filing due?

13F filings are due 45 days after each quarter ends. Clear Retirement Advice LLC's filing for the quarter ending Dec 31, 2026 is due by Feb 14, 2027; this page updates the day after it is published.

How much money does Clear Retirement Advice LLC manage?

Clear Retirement Advice LLC reported $153.4M of regulatory assets under management on its latest SEC Form ADV. Its 13F, which covers only US-listed stocks and options, totals $149.0M.