Q3 2026 13F · SEC CIK 1962532

Retirement Financial Solutions, LLC

Wealth managerFiled 2026-10-20 for Q3 2026. Open the filing ↗ · All SEC filings ↗

Reported 13F value: $423.0M
Reported positions: 57
Top holdings a year, 3 yrs: +15.3%
Assets under management: $361.7M

Retirement Financial Solutions, LLC is a wealth manager that reported 57 positions worth $423.0M in its Q3 2026 13F, filed 2026-10-20. Its largest holdings were Avantis U.S. Equity ETF (AVUS, 11.0%), American Centy ETF Tr (AVSC, 6.6%), American Centy ETF Tr (AVUV, 6.5%). A portfolio copying its top holdings returned 15.3% a year over the last 3 years, against 20.9% for the S&P 500.

Retirement Financial Solutions, LLC holdings largest 50 of 57 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.

Retirement Financial Solutions, LLC 13F holdings
Stock	% of 13F value	Q2 2026	Shares	Share change	Reported value
AVUSAvantis U.S. Equity ETF	11.0%	11.1%	362,974	+2.8%	$46.5M
AVSCAmerican Centy ETF Tr	6.6%	7.1%	400,999	+2.3%	$27.7M
AVUVAmerican Centy ETF Tr	6.5%	6.9%	232,810	+3.9%	$27.4M
SPLGSpdr Series Trust	6.1%	6.1%	288,947	+2.2%	$25.9M
AVEMAmerican Centy ETF Tr	5.9%	5.9%	266,173	+7.1%	$25.0M
QQQJInvesco Exch Traded Fd Tr II	5.1%	5.3%	488,139	+3.2%	$21.4M
VGLTVanguard Scottsdale Fds	4.7%	5.0%	393,592	+7.2%	$19.7M
SCHDSchwab Strategic Tr	3.7%	3.7%	484,480	+2.9%	$15.8M
GRNJTidal Trust III	3.5%	—	504,845	—	$14.9M
MGCVanguard World Fd	3.5%	3.4%	51,854	+2.9%	$14.6M
GRNYTidal Trust I	3.4%	3.4%	512,815	+1.9%	$14.3M
MGKVanguard World Fd	3.3%	—	151,947	—	$14.1M
XMMOInvesco Exchange Traded Fd T	3.3%	—	94,648	—	$13.9M
VWOVanguard Intl Equity Index F	3.2%	4.6%	230,622	-26.8%	$13.7M
DIASpdr Dow Jones Indl Average	3.2%	3.3%	26,660	+2.8%	$13.6M
RSPInvesco Exchange Traded Fd T	3.2%	3.3%	65,137	+2.7%	$13.5M
EDVVanguard World Fd	3.1%	3.5%	240,044	+8.9%	$13.3M
VGSHVanguard Scottsdale Fds	2.7%	1.3%	201,057	+115.4%	$11.6M
RSPAInvesco S&p 500 Equal Weight Income Adva	2.5%	2.6%	208,862	+7.0%	$10.8M
QQQMInvesco Exch Traded Fd Tr II	2.1%	2.0%	28,488	+4.0%	$8.7M
AISTidal Trust III	2.0%	—	110,864	—	$8.3M
SPYGState Street Spdr Portfolio S&p 500 Grow	1.8%	1.8%	61,889	+1.8%	$7.6M
RWLInvesco Exch Traded Fd Tr II	1.7%	1.7%	55,368	+2.0%	$7.1M
SPYVState Street Spdr Portfolio S&p 500 Valu	1.6%	1.6%	113,130	+2.7%	$6.9M
SDCIUscf ETF Tr	0.5%	0.5%	72,488	-0.6%	$2.3M
VOOVanguard Index Fds	0.5%	0.6%	3,213	-2.5%	$2.3M
VTIVanguard Index Fds	0.4%	0.2%	5,041	+170.4%	$1.9M
BTCGrayscale Bitcoin Mini Tr Et	0.3%	0.2%	39,291	+5.9%	$1.5M
VXUSVanguard Star Fds	0.3%	0.3%	16,226	+0.2%	$1.4M
VUGVanguard Index Fds	0.3%	—	14,963	—	$1.3M
IAUMIshares Gold Trust Micro	0.3%	0.3%	30,435	-4.1%	$1.3M
ETHGrayscale Ethereum Staking	0.3%	0.2%	44,748	-5.3%	$1.1M
NVDANvidia Corporation	0.3%	0.2%	4,909	+30.4%	$1.1M
VOEVanguard Index Fds	0.2%	0.3%	5,293	+0.5%	$1.0M
DBMFIm Global Partner Funds	0.2%	0.2%	26,523	+5.7%	$863K
VONEVanguard Scottsdale Fds	0.2%	0.2%	2,500	+0.3%	$860K
IEFIshares Tr	0.2%	0.4%	9,501	-39.9%	$849K
AIPODefiance Ai & Power Infrastructure ETF	0.2%	—	28,743	—	$811K
VPNGlobal X Fds	0.2%	—	29,499	—	$801K
AMLPAlps ETF Tr	0.2%	0.2%	15,210	+6.1%	$789K
VCITVanguard Scottsdale Fds	0.2%	0.2%	8,654	-9.4%	$678K
BPREBluerock Pvt Real Estate Fd	0.1%	0.1%	45,221	-0.3%	$567K
VBRVanguard Index Fds	0.1%	0.1%	2,116	+4.6%	$489K
VOVanguard Index Fds	0.1%	0.1%	6,207	-6.2%	$487K
XOMExxonmobil Holdings Corp	0.1%	—	2,977	—	$485K
VTEBVanguard Mun Bd Fds	0.1%	—	9,886	—	$468K
QQAInvesco Actively Managed Exc	0.1%	0.1%	7,501	+10.5%	$428K
SIVRAbrdn Silver ETF Trust	0.1%	0.1%	7,162	+18.0%	$410K
AAPLApple Inc	0.1%	0.1%	1,215	+66.0%	$404K
SPSMSpdr Series Trust	0.1%	0.1%	7,012	+0.4%	$371K

What Retirement Financial Solutions, LLC bought and sold in Q3 2026, against Q2 2026.

New positions

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

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: +27.0% /yr; S&P 500 +22.0%
3 years: +15.3% /yr; S&P 500 +20.9%
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	$423.0M	57
Q2 2026	$406.8M	53
Q1 2026	$349.8M	53
Q4 2025	$341.6M	47
Q3 2025	$163.7M	39
Q4 2024	$185.5M	37
Q3 2024	$228.4M	40
Q2 2024	$212.5M	40
Q1 2024	$194.5M	40
Q4 2023	$176.5M	47
Q3 2023	$148.3M	38
Q2 2023	$145.6M	34

Questions about Retirement Financial Solutions, LLC's portfolio

What stocks does Retirement Financial Solutions, LLC own?

Retirement Financial Solutions, LLC's latest 13F, for Q3 2026 and filed Oct 20, 2026, lists 57 positions worth $423.0M. The largest are Avantis U.S. Equity ETF (AVUS) at 11.0%, American Centy ETF Tr (AVSC) at 6.6%, American Centy ETF Tr (AVUV) at 6.5%, Spdr Series Trust (SPLG) at 6.1% and American Centy ETF Tr (AVEM) at 5.9%.

What did Retirement Financial Solutions, LLC buy last quarter?

In Q3 2026, Retirement Financial Solutions, LLC added Vanguard Index Fds (VTI) (+170.4% shares), Vanguard Scottsdale Fds (VGSH) (+115.4% shares) and Apple Inc (AAPL) (+66.0% shares), compared with its Q2 2026 filing.

What did Retirement Financial Solutions, LLC sell last quarter?

In Q3 2026, Retirement Financial Solutions, LLC cut from its top 50 Spdr Series Trust (SPMD), cut from its top 50 Vanguard Intl Equity Index F (VEU), cut from its top 50 Vaneck ETF Trust (MOO), cut from its top 50 Schwab Strategic Tr (SCHP), cut from its top 50 Vanguard Index Fds (VNQ), Ishares Tr (IEF) (-39.9% shares), Vanguard Intl Equity Index F (VWO) (-26.8% shares) and Vanguard Scottsdale Fds (VCIT) (-9.4% shares), compared with its Q2 2026 filing.

How has Retirement Financial Solutions, LLC's portfolio performed?

A portfolio copying Retirement Financial Solutions, LLC's 20 largest 13F holdings each quarter, from the day each filing was public, returned +15.3% a year over the last 3 years, against +20.9% for the S&P 500. Over 1 year: +27.0% against +22.0%.

When is Retirement Financial Solutions, LLC's next 13F filing due?

13F filings are due 45 days after each quarter ends. Retirement Financial Solutions, 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 Retirement Financial Solutions, LLC manage?

Retirement Financial Solutions, LLC reported $361.7M of regulatory assets under management on its latest SEC Form ADV. Its 13F, which covers only US-listed stocks and options, totals $423.0M.