Q2 2026 13F · SEC CIK 1672681

Retirement Capital Strategies

Wealth managerFiled 2026-08-14 for Q2 2026. Open the filing ↗ · All SEC filings ↗

Reported 13F value: $288.0M
Reported positions: 68
Top holdings a year, 3 yrs: +11.9%
Assets under management: $305.2M

Retirement Capital Strategies is a wealth manager that reported 68 positions worth $288.0M in its Q2 2026 13F, filed 2026-08-14. Its largest holdings were Vanguard Total World Stock Index Fund Et (VT, 11.9%), Vanguard Index Fds (VTI, 11.2%), Vanguard Bd Index Fds (BIV, 6.9%). A portfolio copying its top holdings returned 11.9% a year over the last 3 years, against 20.4% for the S&P 500.

Retirement Capital Strategies holdings largest 50 of 68 positions.

Weights are shares of the filer's total reported 13F value, compared with Q1 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.

Retirement Capital Strategies 13F holdings
Stock	% of 13F value	Q1 2026	Shares	Share change	Reported value
VTVanguard Total World Stock Index Fund Et	11.9%	11.4%	217,779	-0.1%	$34.2M
VTIVanguard Index Fds	11.2%	10.6%	86,877	-0.8%	$32.1M
BIVVanguard Bd Index Fds	6.9%	7.4%	258,454	+1.3%	$19.8M
AGGIshares Tr	6.8%	7.3%	197,004	+1.7%	$19.5M
VOOVanguard S&p 500 ETF	5.7%	5.3%	23,716	+0.1%	$16.3M
SPTMSpdr Series Trust	4.2%	4.0%	132,501	-0.4%	$12.0M
JPSTJ P Morgan Exchange Traded Fd	4.0%	4.3%	226,339	+1.6%	$11.4M
EFIVSpdr S and P 500 Esg ETF	4.0%	3.7%	156,774	-0.2%	$11.4M
IUSBIshares Core Universal Usd Bond ETF	3.5%	3.7%	219,869	+2.9%	$10.1M
BNDVanguard Total Bond Market ETF	3.2%	3.5%	123,684	-0.9%	$9.1M
GSYInvesco Actively Managed Exc	3.0%	3.3%	173,790	+1.2%	$8.7M
AAPLApple Inc	2.8%	2.6%	27,798	+2.0%	$8.0M
ITOTIshares Total US Stock Market ETF	2.5%	—	42,945	—	$7.1M
VVVanguard Inx Lrg	2.3%	—	19,055	—	$6.6M
MGCVanguard Mega Cap ETF Total	2.1%	—	22,409	—	$6.1M
ANETArista Networks Inc	1.9%	1.5%	32,161	+0.0%	$5.5M
MMM3m Co Com	1.8%	1.8%	31,609	-1.2%	$5.1M
ESGVVanguard World Fd	1.5%	1.4%	32,329	+0.1%	$4.3M
SNPEDbx ETF Tr	1.2%	0.9%	50,281	+31.0%	$3.5M
VOOGVanguard S&P 500 Growth ETF Total	1.1%	—	37,686	—	$3.1M
EUSBIshares Tr	1.1%	1.2%	71,252	-0.2%	$3.1M
EAGGIshares Tr	1.1%	1.2%	64,842	-0.1%	$3.1M
GSSTGoldman Sachs Access Ultra Shor	1.0%	1.1%	59,751	+5.8%	$3.0M
LPLALpl Financial Holdings Inc	1.0%	1.1%	10,041	+0.0%	$2.8M
NUBDNushares ETF Tr	1.0%	1.1%	125,258	+0.1%	$2.8M
NVDANvidia Corporation Com	0.9%	0.9%	12,531	-4.9%	$2.5M
MSFTMicrosoft Corp	0.8%	0.9%	6,405	+0.6%	$2.4M
MTUMIshares Msci USA Momentum Factor ETF	0.6%	—	5,214	—	$1.8M
XVVIshares Tr	0.6%	0.3%	30,106	+95.7%	$1.7M
ETNEaton Corp PLC	0.6%	0.5%	3,996	+0.0%	$1.7M
CSCOCisco Sys Inc	0.6%	0.4%	14,200	+0.0%	$1.7M
GARPIshares Tr	0.6%	—	19,505	—	$1.6M
INTCIntel Corp	0.5%	0.2%	10,128	-22.0%	$1.4M
SGOViShares 0-3 Month Treasury Bon	0.5%	0.5%	13,908	+3.9%	$1.4M
GBILGoldman Sachs Access Treasury 0 1	0.5%	2.7%	13,576	-81.0%	$1.4M
BILSSpdr Series Trust	0.5%	2.7%	13,394	-81.1%	$1.3M
TSLATesla Inc Com	0.5%	0.4%	3,162	+0.0%	$1.3M
ESGUIshares Msci Usa Esg	0.4%	0.4%	6,973	-3.7%	$1.1M
VUGVanguard Indx Fd	0.4%	—	12,874	—	$1.1M
SUSLIshares Tr	0.4%	—	8,350	—	$1.1M
BILSPDR Brcy1-3 Ser	0.4%	0.4%	11,949	-0.6%	$1.1M
XBILRbb Fd Inc	0.4%	1.2%	21,568	-65.1%	$1.1M
MDYState Street Spdr S&p Midcap 400 ETF Tru	0.4%	0.3%	1,502	+0.0%	$1.1M
TBILRbb Fd Inc	0.3%	0.5%	20,048	-31.1%	$1000K
NULCNushares ETF Tr	0.3%	—	15,839	—	$858K
SHVIshares Tr	0.3%	0.7%	7,651	-54.1%	$844K
GEVGe Vernova Inc	0.3%	0.2%	717	-0.4%	$842K
GEGe Aerospace	0.3%	0.2%	1,991	+0.0%	$744K
IVVIshares Core S&p 500 ETF	0.2%	0.2%	824	+0.0%	$617K
USFRWisdomtree Tr	0.2%	2.1%	11,161	-90.1%	$562K

What Retirement Capital Strategies bought and sold in Q2 2026, against Q1 2026.

New positions

Q1 2026's filing was too long to tell new positions apart.

Share counts compared with the Q1 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: +11.3% /yr; S&P 500 +20.1%
3 years: +11.9% /yr; S&P 500 +20.4%
5 years: +4.3% /yr; S&P 500 +11.6%

A portfolio of the filer's 20 largest 13F positions, weighted by value and rebuilt each quarter on the day the filing became public. 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
Q2 2026	$288.0M	68
Q1 2026	$264.6M	62
Q4 2025	$269.7M	68
Q3 2025	$260.7M	62
Q2 2025	$252.4M	64
Q1 2025	$256.1M	77
Q4 2024	$264.0M	77
Q3 2024	$255.5M	65
Q2 2024	$249.3M	66
Q1 2024	$244.6M	69
Q4 2023	$230.7M	70
Q3 2023	$213.5M	57

Questions about Retirement Capital Strategies's portfolio

What stocks does Retirement Capital Strategies own?

Retirement Capital Strategies's latest 13F, for Q2 2026 and filed Aug 14, 2026, lists 68 positions worth $288.0M. The largest are Vanguard Total World Stock Index Fund Et (VT) at 11.9%, Vanguard Index Fds (VTI) at 11.2%, Vanguard Bd Index Fds (BIV) at 6.9%, Ishares Tr (AGG) at 6.8% and Vanguard S&p 500 ETF (VOO) at 5.7%.

What did Retirement Capital Strategies buy last quarter?

In Q2 2026, Retirement Capital Strategies added Ishares Tr (XVV) (+95.7% shares), Dbx ETF Tr (SNPE) (+31.0% shares) and Goldman Sachs Access Ultra Shor (GSST) (+5.8% shares), compared with its Q1 2026 filing.

What did Retirement Capital Strategies sell last quarter?

In Q2 2026, Retirement Capital Strategies cut from its top 50 Ishares Tr (ICSH), cut from its top 50 Spdr Gold Shares (GLD), cut from its top 50 Ishares Tr (TFLO), cut from its top 50 Ishares Silver Tr (SLV), cut from its top 50 US Treasury 12 Month Bill ETF (OBIL), Wisdomtree Tr (USFR) (-90.1% shares), Spdr Series Trust (BILS) (-81.1% shares) and Goldman Sachs Access Treasury 0 1 (GBIL) (-81.0% shares), compared with its Q1 2026 filing.

How has Retirement Capital Strategies's portfolio performed?

A portfolio copying Retirement Capital Strategies's 20 largest 13F holdings each quarter, from the day each filing was public, returned +11.9% a year over the last 3 years, against +20.4% for the S&P 500. Over 1 year: +11.3% against +20.1%. Over 5 years: +4.3% a year against +11.6%.

When is Retirement Capital Strategies's next 13F filing due?

13F filings are due 45 days after each quarter ends. Retirement Capital Strategies's filing for the quarter ending Sep 30, 2026 is due by Nov 14, 2026; this page updates the day after it is published.

How much money does Retirement Capital Strategies manage?

Retirement Capital Strategies reported $305.2M of regulatory assets under management on its latest SEC Form ADV. Its 13F, which covers only US-listed stocks and options, totals $288.0M.