RETIREMENT FINANCIAL SOLUTIONS, LLC
Sector Allocation
- Other82.9%$350.5M
- Financials16.4%$69.4M
- Technology0.5%$2.1M
- Energy0.1%$484,506
- Healthcare0.1%$228,360
- Consumer Discretionary0.1%$220,692
AUM History
13fpro.ai/research/fund/retirement-financial-solutions-llc-1962532
Conviction and streaks
Diversifying · top 10 = 56.5%From the fund's last 12 quarters of 13F filings: positions held longest at size, and names it added to or trimmed several quarters running.
Largest positions — Q3 2026
- AMERICAN$46.5M
- AMERICAN$27.7M
- AMERICAN$27.4M
- SPDR$25.9M
- AMERICAN$25.0M
IVZ
$21.4M- VANGUARD$19.7M
- SCHWAB$15.8M
- TIDAL$14.9M
- VANGUARD$14.6M
- TIDAL$14.3M
- VANGUARD$14.1M
- $13.9M
- VANGUARD$13.7M
- STATE$13.6M
- $13.5M
- VANGUARD$13.3M
- VANGUARD$11.6M
- INVESCO$10.8M
- $8.7M
Top 20 stock positions. Options are left out: 13F reports them at the underlying's value.
13fpro.ai/research/fund/retirement-financial-solutions-llc-1962532
RETIREMENT FINANCIAL SOLUTIONS, LLC 13F holdings — Q3 2026
$423.0M portfolio (+4.0% QoQ) · 57 holdings · Q3 2026 13F · top 10 are 57% of the stock portfolio
- 1
AMERICAN CENTY ETF TR - US EQT ETF
$46.5M
11.0% of stocks
+3%This quarter—Since filed—HeldAIQuality—Est. buy— - 2
AMERICAN CENTY ETF TR - AVAN US SMAL ETF
$27.7M
6.5% of stocks
+2%This quarter—Since filed—HeldAIQuality—Est. buy— - 3
AMERICAN CENTY ETF TR - US SML CP VALU
$27.4M
6.5% of stocks
+4%This quarter—Since filed—HeldAIQuality—Est. buy— - 4
SPDR SERIES TRUST - ST STR P500ETF
$25.9M
6.1% of stocks
+2%This quarter—Since filed—HeldAIQuality—Est. buy— - 5
AMERICAN CENTY ETF TR - AVANTIS EMGMKT
$25.0M
5.9% of stocks
+7%This quarter—Since filed—HeldAIQuality—Est. buy— $21.4M
5.1% of stocks
+3%This quarter-0.9%Since filed6+ qtrsHeld- 7
VANGUARD SCOTTSDALE FDS - LONG TERM TREAS
$19.7M
4.7% of stocks
+7%This quarter—Since filed—HeldAIQuality—Est. buy— - 8
SCHWAB STRATEGIC TR - US DIVIDEND EQ
$15.8M
3.7% of stocks
+3%This quarter—Since filed—HeldAIQuality—Est. buy— - 9
TIDAL TRUST III - FUND GRA MID ETF
$14.9M
3.5% of stocks
NewThis quarter—Since filedNew this quarterHeldAIQuality—Est. buy— - 10
VANGUARD WORLD FD - MEGA CAP INDEX
$14.6M
3.5% of stocks
+3%This quarter—Since filed—HeldAIQuality—Est. buy—
| # | Company | Value | Weight | This quarter | Since filed | Held | AI quality | Est. buy | |
|---|---|---|---|---|---|---|---|---|---|
| 1 | AMERICAN CENTY ETF TR - US EQT ETF | $46.5M | 11.0% | +3% | — | — | — | — | |
| 2 | AMERICAN CENTY ETF TR - AVAN US SMAL ETF | $27.7M | 6.5% | +2% | — | — | — | — | |
| 3 | AMERICAN CENTY ETF TR - US SML CP VALU | $27.4M | 6.5% | +4% | — | — | — | — | |
| 4 | SPDR SERIES TRUST - ST STR P500ETF | $25.9M | 6.1% | +2% | — | — | — | — | |
| 5 | AMERICAN CENTY ETF TR - AVANTIS EMGMKT | $25.0M | 5.9% | +7% | — | — | — | — | |
| 6 | $21.4M | 5.1% | +3% | -0.9% | 6+ qtrsAdded 2 qtrs in a row | — | Estimated buy price is Pro: unlock with a free trial | ||
| 7 | VANGUARD SCOTTSDALE FDS - LONG TERM TREAS | $19.7M | 4.7% | +7% | — | — | — | — | |
| 8 | SCHWAB STRATEGIC TR - US DIVIDEND EQ | $15.8M | 3.7% | +3% | — | — | — | — | |
| 9 | TIDAL TRUST III - FUND GRA MID ETF | $14.9M | 3.5% | New | — | New this quarter | — | — | |
| 10 | VANGUARD WORLD FD - MEGA CAP INDEX | $14.6M | 3.5% | +3% | — | — | — | — |
All holdings — RETIREMENT FINANCIAL SOLUTIONS, LLC (Q3 2026)
57 disclosed positions from the Form 13F-HR on SEC EDGAR, with quarter-over-quarter share changes. Largest by value first; the ten above are not repeated.
| # | Company | Held | Source | |||||||
|---|---|---|---|---|---|---|---|---|---|---|
| 11 | — | TIDAL TRUST I - FUND GRAN US ETFetf/fund | — | $14.3M | 3.4% | 513K | +2% | — | — | 13F |
| 12 | — | VANGUARD WORLD FD - MEGA GRWTH INDetf/fund | — | $14.1M | 3.3% | 152K | New | — | — | 13F |
| 13 | Invesco Ltd. | Financials | $13.9M | 3.3% | 95K | New | 6+ qtrsAdded 2 qtrs in a row | — | 13F | |
| 14 | — | VANGUARD INTL EQUITY INDEX F - FTSE EMR MKT ETFetf/fund | — | $13.7M | 3.2% | 231K | -27% | — | — | 13F |
| 15 | — | STATE STR SPDR DOW JONES IND - UT SER 1etf/fund | — | $13.6M | 3.2% | 27K | +3% | — | — | 13F |
| 16 | Invesco Ltd. | Financials | $13.5M | 3.2% | 65K | +3% | 6+ qtrsAdded 2 qtrs in a row | — | 13F | |
| 17 | — | VANGUARD WORLD FD - EXTENDED DURetf/fund | — | $13.3M | 3.1% | 240K | +9% | — | — | 13F |
| 18 | — | VANGUARD SCOTTSDALE FDS - SHORT TERM TREASetf/fund | — | $11.6M | 2.7% | 201K | +115% | — | — | 13F |
| 19 | — | INVESCO ACTIVELY MANAGED EXC - S&P 500 EQUA ETFetf/fund | — | $10.8M | 2.5% | 209K | +7% | — | — | 13F |
| 20 | Invesco Ltd.etf/fund | Financials | $8.7M | 2.0% | 28K | +4% | 6+ qtrsAdded 2 qtrs in a row | — | 13F | |
| 21 | — | TIDAL TRUST III - VIST ARTI IN ETFetf/fund | — | $8.3M | 2.0% | 111K | New | — | — | 13F |
| 22 | — | SPDR SERIES TRUST - ST STR P500GRWetf/fund | — | $7.6M | 1.8% | 62K | +2% | — | — | 13F |
| 23 | Invesco Ltd. | Financials | $7.1M | 1.7% | 55K | +2% | 6+ qtrsAdded 2 qtrs in a row | — | 13F | |
| 24 | — | SPDR SERIES TRUST - ST STR P500VALetf/fund | — | $6.9M | 1.6% | 113K | +3% | — | — | 13F |
| 25 | — | USCF ETF TR - SUMMERHAVEN K1etf/fund | — | $2.3M | 0.5% | 72K | -0.6% | — | — | 13F |
| 26 | — | VANGUARD INDEX FDS - S&P 500 ETF SHS | — | $2.3M | 0.5% | 3,213 | -2% | |||
| 27 | — | VANGUARD INDEX FDS - TOTAL STK MKT | — | $1.9M | 0.5% | 5,041 | +170% | |||
| 28 | $BTC | Grayscale Bitcoin Mini Trust ETF | Financials | $1.5M | 0.3% | 39K | +6% | |||
| 29 | — | VANGUARD STAR FDS - VG TL INTL STK F | — | $1.4M | 0.3% | 16K | +0.2% | |||
| 30 | — | VANGUARD INDEX FDS - GROWTH ETF | — | $1.3M | 0.3% | 15K | New | |||
| 31 | $IAUM | iShares Gold Trust Micro | Financials | $1.3M | 0.3% | 30K | -4% | |||
| 32 | $ETH | Grayscale Ethereum Staking Mini ETF | Financials | $1.1M | 0.3% | 45K | -5% | |||
| 33 | $NVDA | NVIDIA CORP | Technology | $1.1M | 0.3% | 4,909 | +30% | |||
| 34 | — | VANGUARD INDEX FDS - MCAP VL IDXVIP | — | $1.0M | 0.2% | 5,293 | +0.5% | |||
| 35 | — | LITMAN GREGORY FDS TR - IMGP DBI MAN ETF | — | $863K | 0.2% | 27K | +6% | |||
| 36 | — | VANGUARD SCOTTSDALE FDS - VNG RUS1000IDX | — | $860K | 0.2% | 2,500 | +0.3% | |||
| 37 | — | ISHARES TR - 7-10 YR TRSY BD | — | $849K | 0.2% | 9,501 | -40% | |||
| 38 | — | TIDAL TRUST II - DEFIA AI PWR ETF | — | $811K | 0.2% | 29K | New | |||
| 39 | — | GLOBAL X FDS - DATA CTR DIG ETF | — | $801K | 0.2% | 29K | New | |||
| 40 | — | ALPS ETF TR - ALERIAN MLP | — | $789K | 0.2% | 15K | +6% | |||
| 41 | — | VANGUARD SCOTTSDALE FDS - INT-TERM CORP | — | $678K | 0.2% | 8,654 | -9% | |||
| 42 | $BPRE | Bluerock Private Real Estate Fund | Other | $567K | 0.1% | 45K | -0.3% | |||
| 43 | — | VANGUARD INDEX FDS - SM CP VAL ETF | — | $489K | 0.1% | 2,116 | +5% | |||
| 44 | — | VANGUARD INDEX FDS - MID CAP ETF | — | $487K | 0.1% | 6,207 | -6% | |||
| 45 | $XOM.R34088 | EXXON MOBIL CORP | Energy | $485K | 0.1% | 2,977 | New | |||
| 46 | — | VANGUARD MUN BD FDS - TAX EXEMPT BD | — | $468K | 0.1% | 9,886 | New | |||
| 47 | — | INVESCO ACTIVELY MANAGED EXC - QQQ INC ADV ETF | — | $428K | 0.1% | 7,501 | +11% | |||
| 48 | $SIVR | abrdn Silver ETF Trust | Financials | $410K | 0.1% | 7,162 | +18% | |||
| 49 | $AAPL | Apple Inc. | Technology | $404K | 0.1% | 1,215 | +66% | |||
| 50 | — | SPDR SERIES TRUST - ST STR SP600 SML | — | $371K | 0.1% | 7,012 | +0.4% | |||
| 51 | $MSFT | MICROSOFT CORP | Technology | $310K | 0.1% | 605 | New | |||
| 52 | $TXN | TEXAS INSTRUMENTS INC | Technology | $294K | 0.1% | 1,048 | +0.5% | |||
| 53 | $JPM | JPMORGAN CHASE & CO | Financials | $271K | 0.1% | 819 | +28% | |||
| 54 | $WT | WisdomTree, Inc. | Financials | $246K | 0.1% | 4,441 | +0.1% | |||
| 55 | — | SPDR SERIES TRUST - ST STR SP600SM C | — | $233K | 0.1% | 2,279 | New | |||
| 56 | $DFTX | Definium Therapeutics, Inc. | Healthcare | $228K | 0.1% | 6,000 | — | |||
| 57 | $TSLA | Tesla, Inc. | Consumer Discretionary | $221K | 0.1% | 622 | +7% |
What changed in Q3 2026
Against the previous quarter's 13F: 10 new, 36 added to, 9 trimmed, 7 sold out. Share-count changes; largest moves by dollar size first.
New positions (10)
- TIDAL TRUST III - FUND GRA MID ETF$14.9M
first bought this quarter
- VANGUARD WORLD FD - MEGA GRWTH IND$14.1M
first bought this quarter
- TIDAL TRUST III - VIST ARTI IN ETF$8.3M
first bought this quarter
- VANGUARD INDEX FDS - GROWTH ETF$1.3M
first bought this quarter
- TIDAL TRUST II - DEFIA AI PWR ETF$811K
first bought this quarter
- GLOBAL X FDS - DATA CTR DIG ETF$801K
first bought this quarter
+4 more in the Excel export
Added to (36)
- VANGUARD SCOTTSDALE FDS - SHORT TERM TREAS+115%
now $11.6M
- AMERICAN CENTY ETF TR - AVANTIS EMGMKT+7%
now $25.0M
- VANGUARD SCOTTSDALE FDS - LONG TERM TREAS+7%
now $19.7M
- AMERICAN CENTY ETF TR - US EQT ETF+3%
now $46.5M
- VANGUARD INDEX FDS - TOTAL STK MKT+170%
now $1.9M
- VANGUARD WORLD FD - EXTENDED DUR+9%
now $13.3M
+30 more in the Excel export
Trimmed (9)
- VANGUARD INTL EQUITY INDEX F - FTSE EMR MKT ETF-27%
now $13.7M
- ISHARES TR - 7-10 YR TRSY BD-40%
now $849K
- VANGUARD SCOTTSDALE FDS - INT-TERM CORP-9%
now $678K
$ETHGrayscale Ethereum Staking Mini ETF-5%
now $1.1M · held 4 qtrs
- VANGUARD INDEX FDS - S&P 500 ETF SHS-2%
now $2.3M
$IAUMiShares Gold Trust Micro-4%
now $1.3M · held 5 qtrs
+3 more in the Excel export
Sold out (7)
- SPDR SERIES TRUST - ST STR P400MIDwas $13.7M
- VANGUARD INTL EQUITY INDEX F - ALLWRLD EX USwas $13.0M
- VANECK ETF TRUST - AGRIBUSINESS ETFwas $11.6M
- SCHWAB STRATEGIC TR - US TIPS ETFwas $6.4M
- VANGUARD INDEX FDS - REAL ESTATE ETFwas $1.5M
- J P MORGAN EXCHANGE TRADED F - EQUITY PREMIUMwas $205K
+1 more in the Excel export
Holdings by quarter
Every 13F RETIREMENT FINANCIAL SOLUTIONS, LLC has filed, 15 earlier quarters. Pick one to see what it held then.
Is it too late to follow RETIREMENT FINANCIAL SOLUTIONS?
Q3 2026 13F filed with the SEC on Oct 20, 2026. Prices are closing prices as of Oct 26, 2026.
Average quality of RETIREMENT FINANCIAL SOLUTIONS's top 20 holdings: 74/100 (our AI quality score, weighted by position size; 8 of the 20 are scored)
Top 10 since filing
-1.0%
Value-weighted move of the 10 largest stock positions
Turnover
13%
Last quarter; 37% over the last 4
Top 10 weight
57%
Share of the stock portfolio in its 10 largest positions
Held 4+ quarters
97%
Share of portfolio value in positions held a year or more
Highest-quality names it owns(among its 100 largest positions)
The 8 highest-scoring companies in this portfolio are a Pro feature.
How these are measured
- Moves since the quarter-end and since the filing date use our own daily closing prices, from the close on (or just before) each date to the latest close.
- Turnover is the lesser of shares bought or sold in a quarter, valued at the quarter-end prices in the 13F, divided by the average of the two quarters' stock portfolio values.
- Quarters held and add/trim streaks count back only through quarters whose filed holdings add up to the filing's own cover-page total (back to Q2 2025 for this fund). A change counts as an add or a trim when the split-adjusted share count moves by more than 1%.
- Estimate, not the fund's reported cost. For each quarter in the current holding period in which the fund's share count rose (split-adjusted), we take that quarter's average daily close and weight it by the shares added; sales do not change an average cost. Quarters where the stock's price history and the 13F's own implied price disagree by more than 2x are left out.
- Put and call option rows report the value of the underlying shares, not a position the fund paid for, so they are left out of all of the above.
Portfolio Overview
RETIREMENT FINANCIAL SOLUTIONS, LLC disclosed 57 positions worth $423.0M in its Form 13F-HR for Q3 2026. During the quarter the fund opened 10 new positions and exited 7. The portfolio is most concentrated in Other (82.9% of disclosed assets). All figures are sourced directly from RETIREMENT FINANCIAL SOLUTIONS, LLC’s Form 13F-HR filing with the SEC under CIK 1962532.
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AI-Powered Hedge Fund Analysis: RETIREMENT FINANCIAL SOLUTIONS, LLC
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