Clear Retirement Advice LLC
Sector Allocation
- Other79.6%$118.5M
- Financials16.0%$23.9M
- Technology3.7%$5.6M
- Consumer Discretionary0.3%$466,141
- Healthcare0.2%$286,449
- Industrials0.2%$282,024
AUM History
13fpro.ai/research/fund/clear-retirement-advice-llc-2112984
Conviction and streaks
Stable · top 10 = 68.1%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
- SCHWAB$16.5M
- SPDR$15.7M
- ISHARES$15.2M
IVZ
$13.3M- ISHARES$8.3M
- VANGUARD$8.0M
- VANGUARD$6.5M
SGOL
$6.4M- VANGUARD$6.3M
- SPDR$5.5M
- VANGUARD$5.1M
- SPDR$4.7M
- VANGUARD$2.7M
- VANGUARD$2.6M
AAPL
$2.4M- SCHWAB$2.4M
- SCHWAB$2.3M
IAU
$2.2M- ISHARES$2.1M
- SCHWAB$1.8M
Top 20 stock positions. Options are left out: 13F reports them at the underlying's value.
13fpro.ai/research/fund/clear-retirement-advice-llc-2112984
Clear Retirement Advice LLC 13F holdings — Q3 2026
$149.0M portfolio (+2.0% QoQ) · 60 holdings · Q3 2026 13F · top 10 are 68% of the stock portfolio
- 1
SCHWAB STRATEGIC TR - SHT TM US TRES
$16.5M
11.1% of stocks
+3%This quarter—Since filed—HeldAIQuality—Est. buy— - 2
SPDR INDEX SHS FDS - ST STR PO EX ETF
$15.7M
10.5% of stocks
+1%This quarter—Since filed—HeldAIQuality—Est. buy— - 3
ISHARES TR - CORE S&P TTL STK
$15.2M
10.2% of stocks
+0.6%This quarter—Since filed—HeldAIQuality—Est. buy— $13.3M
8.9% of stocks
+3%This quarter-0.9%Since filed4+ qtrsHeld- 5
ISHARES TR - ISHS 1-5YR INVS
$8.3M
5.6% of stocks
+7%This quarter—Since filed—HeldAIQuality—Est. buy— - 6
VANGUARD INDEX FDS - MRNGSTR SML CP V
$8.0M
5.3% of stocks
-0.7%This quarter—Since filed—HeldAIQuality—Est. buy— - 7
VANGUARD INDEX FDS - MRNGSTR SM CP GR
$6.5M
4.3% of stocks
-2%This quarter—Since filed—HeldAIQuality—Est. buy— $6.4M
4.3% of stocks
+10%This quarter-0.4%Since filed4+ qtrsHeld- 9
VANGUARD INTL EQUITY INDEX F - FTSE EMR MKT ETF
$6.3M
4.2% of stocks
+0.7%This quarter—Since filed—HeldAIQuality—Est. buy— - 10
SPDR SERIES TRUST - ST STR P500VAL
$5.5M
3.7% of stocks
-0.3%This quarter—Since filed—HeldAIQuality—Est. buy—
| # | Company | Value | Weight | This quarter | Since filed | Held | AI quality | Est. buy | |
|---|---|---|---|---|---|---|---|---|---|
| 1 | SCHWAB STRATEGIC TR - SHT TM US TRES | $16.5M | 11.1% | +3% | — | — | — | — | |
| 2 | SPDR INDEX SHS FDS - ST STR PO EX ETF | $15.7M | 10.5% | +1% | — | — | — | — | |
| 3 | ISHARES TR - CORE S&P TTL STK | $15.2M | 10.2% | +0.6% | — | — | — | — | |
| 4 | $13.3M | 8.9% | +3% | -0.9% | 4+ qtrsAdded 2 qtrs in a row | — | Estimated buy price is Pro: unlock with a free trial | ||
| 5 | ISHARES TR - ISHS 1-5YR INVS | $8.3M | 5.6% | +7% | — | — | — | — | |
| 6 | VANGUARD INDEX FDS - MRNGSTR SML CP V | $8.0M | 5.3% | -0.7% | — | — | — | — | |
| 7 | VANGUARD INDEX FDS - MRNGSTR SM CP GR | $6.5M | 4.3% | -2% | — | — | — | — | |
| 8 | $6.4M | 4.3% | +10% | -0.4% | 4+ qtrsAdded 3 qtrs in a row | — | Estimated buy price is Pro: unlock with a free trial | ||
| 9 | VANGUARD INTL EQUITY INDEX F - FTSE EMR MKT ETF | $6.3M | 4.2% | +0.7% | — | — | — | — | |
| 10 | SPDR SERIES TRUST - ST STR P500VAL | $5.5M | 3.7% | -0.3% | — | — | — | — |
All holdings — Clear Retirement Advice LLC (Q3 2026)
60 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 | — | VANGUARD INDEX FDS - MRNGSTR TTL STKetf/fund | — | $5.1M | 3.4% | 14K | -2% | — | — | 13F |
| 12 | — | SPDR SERIES TRUST - ST STR P500GRWetf/fund | — | $4.7M | 3.1% | 38K | -2% | — | — | 13F |
| 13 | — | VANGUARD TAX-MANAGED FDS - VAN FTSE DEV MKTetf/fund | — | $2.7M | 1.8% | 38K | -9% | — | — | 13F |
| 14 | — | VANGUARD SCOTTSDALE FDS - SHRT TRM CORP BDetf/fund | — | $2.6M | 1.7% | 33K | -5% | — | — | 13F |
| 15 | Apple Inc. | Technology | $2.4M | 1.6% | 7,338 | +12% | 4+ qtrs | 75.7 | 13F | |
| 16 | — | SCHWAB STRATEGIC TR - INTL EQTY ETFetf/fund | — | $2.4M | 1.6% | 86K | -1% | — | — | 13F |
| 17 | — | SCHWAB STRATEGIC TR - US BRD MKT ETFetf/fund | — | $2.3M | 1.6% | 79K | -0.2% | — | — | 13F |
| 18 | ISHARES GOLD TRUSTetf/fund | Financials | $2.2M | 1.5% | 28K | -0.6% | 3 qtrs | — | 13F | |
| 19 | — | ISHARES INC - CORE MSCI EMKTetf/fund | — | $2.1M | 1.4% | 26K | -2% | — | — | 13F |
| 20 | — | SCHWAB STRATEGIC TR - US LCAP VA ETFetf/fund | — | $1.8M | 1.2% | 53K | -7% | — | — | 13F |
| 21 | — | SPDR SERIES TRUST - ST STR SP600GRWOetf/fund | — | $1.2M | 0.8% | 11K | -4% | — | — | 13F |
| 22 | — | VANGUARD WORLD FD - INF TECH ETFetf/fund | — | $1.1M | 0.8% | 8,992 | — | — | — | 13F |
| 23 | — | ISHARES TR - 1 3 YR TREAS BDetf/fund | — | $1.1M | 0.7% | 13K | +7% | — | — | 13F |
| 24 | — | SCHWAB STRATEGIC TR - US LCAP GR ETFetf/fund | — | $975K | 0.7% | 27K | -7% | — | — | 13F |
| 25 | — | VANGUARD INDEX FDS - MRNGSTR VAL ETFetf/fund | — | $831K | 0.6% | 3,844 | -0.1% | — | — | 13F |
| 26 | — | SPDR SERIES TRUST - ST STR SP600SM C | — | $816K | 0.6% | 7,993 | -1% | |||
| 27 | $SPY | SPDR S&P 500 ETF TRUST | — | $776K | 0.5% | 1,017 | +16% | |||
| 28 | $GOOGL | Alphabet Inc. | Technology | $750K | 0.5% | 2,181 | +15% | |||
| 29 | $V | VISA INC. | Financials | $725K | 0.5% | 2,017 | +0.7% | |||
| 30 | $GOOG | Alphabet Inc. | Technology | $691K | 0.5% | 2,027 | +9% | |||
| 31 | — | VANGUARD SCOTTSDALE FDS - VNG RUS2000VAL | — | $667K | 0.5% | 3,613 | — | |||
| 32 | $MA | Mastercard Inc | Financials | $568K | 0.4% | 1,030 | +0.1% | |||
| 33 | $KLAC | KLA CORP | Technology | $543K | 0.4% | 2,786 | New | |||
| 34 | $NVDA | NVIDIA CORP | Technology | $536K | 0.4% | 2,345 | New | |||
| 35 | — | SCHWAB STRATEGIC TR - US REIT ETF | — | $534K | 0.4% | 24K | — | |||
| 36 | — | ISHARES TR - NATIONAL MUN ETF | — | $430K | 0.3% | 4,257 | +32% | |||
| 37 | — | VANGUARD INDEX FDS - MRNGSTR GRWT ETF | — | $420K | 0.3% | 4,660 | -2% | |||
| 38 | — | SELECT SECTOR SPDR TR - ST STR INDL ETF | — | $397K | 0.3% | 2,377 | — | |||
| 39 | — | SPDR INDEX SHS FDS - ST PORT MARK ETF | — | $384K | 0.3% | 7,412 | — | |||
| 40 | — | SELECT SECTOR SPDR TR - ST STR TECHN ETF | — | $379K | 0.3% | 1,938 | -6% | |||
| 41 | — | SELECT SECTOR SPDR TR - ST STR CARE ETF | — | $377K | 0.3% | 2,236 | — | |||
| 42 | — | SELECT SECTOR SPDR TR - ST STR DISCR ETF | — | $365K | 0.2% | 3,352 | — | |||
| 43 | — | VANECK ETF TRUST - INTRMDT MUNI ETF | — | $332K | 0.2% | 7,552 | — | |||
| 44 | $IVZ | Invesco Ltd. | Financials | $316K | 0.2% | 1,519 | — | |||
| 45 | — | VANGUARD WORLD FD - COMM SRVC ETF | — | $312K | 0.2% | 1,635 | — | |||
| 46 | $MU | MICRON TECHNOLOGY INC | Technology | $305K | 0.2% | 286 | New | |||
| 47 | $JNJ | JOHNSON & JOHNSON | Healthcare | $286K | 0.2% | 1,082 | — | |||
| 48 | $PLTR | Palantir Technologies Inc. | Technology | $284K | 0.2% | 1,520 | New | |||
| 49 | $FAST | FASTENAL CO | Industrials | $282K | 0.2% | 5,694 | — | |||
| 50 | — | ISHARES TR - EAFE GRWTH ETF | — | $279K | 0.2% | 2,331 | — | |||
| 51 | — | SELECT SECTOR SPDR TR - ST STR UTIL ETF | — | $262K | 0.2% | 6,652 | — | |||
| 52 | $AZO | AUTOZONE INC | Consumer Discretionary | $252K | 0.2% | 89 | — | |||
| 53 | — | SELECT SECTOR SPDR TR - ST STR STAPL ETF | — | $242K | 0.2% | 3,000 | — | |||
| 54 | — | ISHARES TR - RUS 2000 GRW ETF | — | $238K | 0.2% | 668 | -4% | |||
| 55 | — | NEOS ETF TRUST - NASDAQ 100 HIGH | — | $233K | 0.2% | 4,202 | New | |||
| 56 | $BRK.B | BERKSHIRE HATHAWAY INC | Financials | $222K | 0.1% | 446 | -2% | |||
| 57 | — | SPDR SERIES TRUST - ST SHOR CORP ETF | — | $221K | 0.1% | 7,472 | New | |||
| 58 | $AMZN | AMAZON COM INC | Consumer Discretionary | $214K | 0.1% | 860 | New | |||
| 59 | $CB | Chubb Ltd | Financials | $213K | 0.1% | 656 | — | |||
| 60 | — | VANGUARD INDEX FDS - S&P 500 ETF SHS | — | $210K | 0.1% | 299 | New |
What changed in Q3 2026
Against the previous quarter's 13F: 8 new, 15 added to, 20 trimmed, 2 sold out. Share-count changes; largest moves by dollar size first.
New positions (8)
$KLACKLA CORP$543K
first bought this quarter
$NVDANVIDIA CORP$536K
first bought this quarter
$MUMICRON TECHNOLOGY INC$305K
first bought this quarter
$PLTRPalantir Technologies Inc.$284K
first bought this quarter
- NEOS ETF TRUST - NASDAQ 100 HIGH$233K
first bought this quarter
- SPDR SERIES TRUST - ST SHOR CORP ETF$221K
first bought this quarter
+2 more in the Excel export
Added to (15)
now $6.4M · held 4+ qtrs, 3 adds in a row
- ISHARES TR - ISHS 1-5YR INVS+7%
now $8.3M
- SCHWAB STRATEGIC TR - SHT TM US TRES+3%
now $16.5M
now $13.3M · held 4+ qtrs, 2 adds in a row
now $2.4M · held 4+ qtrs
- SPDR INDEX SHS FDS - ST STR PO EX ETF+1%
now $15.7M
+9 more in the Excel export
Trimmed (20)
- VANGUARD TAX-MANAGED FDS - VAN FTSE DEV MKT-9%
now $2.7M
- VANGUARD INDEX FDS - MRNGSTR SM CP GR-2%
now $6.5M
- VANGUARD SCOTTSDALE FDS - SHRT TRM CORP BD-5%
now $2.6M
- SCHWAB STRATEGIC TR - US LCAP VA ETF-7%
now $1.8M
- VANGUARD INDEX FDS - MRNGSTR TTL STK-2%
now $5.1M
- SPDR SERIES TRUST - ST STR P500GRW-2%
now $4.7M
+14 more in the Excel export
Holdings by quarter
Every 13F Clear Retirement Advice LLC has filed, 3 earlier quarters. Pick one to see what it held then.
Is it too late to follow Clear Retirement Advice?
Q3 2026 13F filed with the SEC on Oct 22, 2026. Prices are closing prices as of Oct 26, 2026.
Average quality of Clear Retirement Advice's top 20 holdings: 78/100 (our AI quality score, weighted by position size; 14 of the 20 are scored)
Top 10 since filing
-0.8%
Value-weighted move of the 10 largest stock positions
Turnover
1%
Last quarter
Top 10 weight
68%
Share of the stock portfolio in its 10 largest positions
Held 4+ quarters
86%
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 Q4 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
Clear Retirement Advice LLC disclosed 60 positions worth $149.0M in its Form 13F-HR for Q3 2026. During the quarter the fund opened 8 new positions and exited 2 — including a new stake in $KLAC and a full exit from $HD. The portfolio is most concentrated in Other (79.6% of disclosed assets). All figures are sourced directly from Clear Retirement Advice LLC’s Form 13F-HR filing with the SEC under CIK 2112984.
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AI-Powered Hedge Fund Analysis: Clear Retirement Advice LLC
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