1y return+19.0%S&P 500 +20.9%
3y return+43.0%S&P 500 +68.5%
These returns are for its stock picks as disclosed on Form 13F: last quarter's holdings, valued at this quarter's prices. They miss trades within each quarter, short positions, options, bonds, cash and fees, so they aren't the returns its clients got.
$100 invested in its stock picks
Since December 31, 2022: $155 against $195 in the S&P 500.2
Retirement Financial Solutions, LLCS&P 500 (SPY)
Top holdings
At the end of June 30, 2026. Change is in shares since the quarter before.2
| Stock | Value | Share of portfolio | Change |
|---|---|---|---|
| AVUSAmerican Centy Etf Tr | $45.2M | 11.1% | +5.1% |
| AVSCAmerican Centy Etf Tr | $28.7M | 7.1% | +4.0% |
| AVUVAmerican Centy Etf Tr | $27.9M | 6.9% | +4.4% |
| SPYMSpdr Series Trust | $24.8M | 6.1% | +2.7% |
| AVEMAmerican Centy Etf Tr | $24.0M | 5.9% | +71.9% |
| QQQJInvesco Exch Traded Fd Tr II | $21.5M | 5.3% | +3.8% |
| VGLTVanguard Scottsdale Fds | $20.3M | 5.0% | +15.3% |
| VWOVanguard Intl Equity Index F | $18.8M | 4.6% | +4.9% |
| SCHDSchwab Strategic Tr | $14.9M | 3.7% | |
| EDVVanguard World Fd | $14.4M | 3.5% | +224.6% |
| GRNYTidal Trust I | $13.9M | 3.4% | +6.5% |
| MGCVanguard World Fd | $13.8M | 3.4% | +6.7% |
| SPMDSpdr Series Trust | $13.7M | 3.4% | +4.7% |
| DIAState Str Spdr Dow Jones Ind | $13.6M | 3.3% | +7.6% |
| RSPInvesco Exchange Traded Fd T | $13.5M | 3.3% | +7.7% |
| VEUVanguard Intl Equity Index F | $13.0M | 3.2% | +7.8% |
| MOOVaneck Etf Trust | $11.6M | 2.9% | +6.9% |
| RSPAInvesco Actively Managed Exc | $10.4M | 2.6% | +4.5% |
| QQQMInvesco Exch Traded Fd Tr II | $8.3M | 2.0% | +4.0% |
| SPYGSpdr Series Trust | $7.2M | 1.8% | +5.9% |
| RWLInvesco Exch Traded Fd Tr II | $6.9M | 1.7% | +6.9% |
| SPYVSpdr Series Trust | $6.7M | 1.6% | +7.4% |
| SCHPSchwab Strategic Tr | $6.4M | 1.6% | +7.7% |
| VGSHVanguard Scottsdale Fds | $5.4M | 1.3% | +2.3% |
| VOOVanguard Index Fds | $2.3M | 0.6% | +3.0% |
Best picks still held
How each current holding has done since the quarter it first appeared in its filings (up to six years back).
| Stock | Held since | Return since | Now worth |
|---|---|---|---|
| QQQMInvesco Exch Traded Fd Tr II | December 31, 2023 | +79.8% | $8.3M |
| VOOVanguard Index Fds | September 30, 2023 | +74.9% | $2.3M |
| VTIVanguard Index Fds | September 30, 2023 | +74.2% | $690K |
| VONEVanguard Scottsdale Fds | September 30, 2023 | +74.0% | $845K |
| NVDANvidia Corporation | June 30, 2024 | +62.0% | $753K |
| VXUSVanguard Star Fds | September 30, 2023 | +59.7% | $1.4M |
| SPYMSpdr Series Trust | December 31, 2023 | +57.2% | $24.8M |
| VOEVanguard Index Fds | September 30, 2023 | +50.9% | $1.0M |
| SPYGSpdr Series Trust | March 31, 2025 | +48.1% | $7.2M |
| MGCVanguard World Fd | March 31, 2025 | +35.9% | $13.8M |
Sold off last quarter
- BCIAbrdn Etfs was $10.9M
- Exxon Mobil CorpCUSIP 30231G102 was $314K
- IBMInternational Business Machs was $299K
- BPBp PLC was $220K
Quarter by quarter
| Quarter | Its picks | S&P 500 |
|---|---|---|
| June 30, 2026 | +10.6% | +14.8% |
| March 31, 2026 | +0.1% | −4.6% |
| December 31, 2025 | +1.5% | +2.4% |
| September 30, 2025 | +5.8% | +7.8% |
| June 30, 2025 | +5.9% | +10.5% |
| March 31, 2025 | −1.7% | −4.6% |
| December 31, 2024 | −1.6% | +2.1% |
| September 30, 2024 | +6.4% | +5.4% |
| June 30, 2024 | +0.0% | +4.0% |
| March 31, 2024 | +5.0% | +10.0% |
| December 31, 2023 | +9.3% | +11.2% |
| September 30, 2023 | −4.0% | −3.6% |
| June 30, 2023 | +3.6% | +8.3% |
| March 31, 2023 | +4.5% | +7.0% |
Sources
Every number on this page points here. Each one links to the public record.
- 1SEC EDGAR: Retirement Financial Solutions, LLC Form 13F filingshttps://www.sec.gov/cgi-bin/browse-edgar?action=getcompany&CIK=1962532&type=13F-HR&dateb=&owner=include&count=40CIK 1962532
- 2SEC: 13F for the quarter ended June 30, 2026https://www.sec.gov/Archives/edgar/data/1962532/000196253226000006/Filed July 30, 2026 · accession 0001962532-26-000006