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RCS

Retirement Capital Strategies Portfolio holdings

AUM $265M
1-Year Est. Return 11.86%
This Fund
S&P 500
This Quarter Est. Return
+5.41%
1 Year Est. Return
+11.86%
3 Year Est. Return
+50.19%
5 Year Est. Return
+54.91%
10 Year Est. Return
+218.59%
AUM
$261M
AUM Growth
+$8.3M
Cap. Flow
-$3.74M
Cap. Flow %
-1.43%
Top 10 Hldgs %
60.18%
Holding
64
New
–
Increased
11
Reduced
30
Closed
2

Top Buys

Rank Stock Value
1
VTI icon
Vanguard Morningstar Total Stock Market ETF
VTI
+$4.83M
2
BND icon
Vanguard Total Bond Market
BND
+$733K
3
ESGV icon
Vanguard ESG US Stock ETF
ESGV
+$493K
4
SHV icon
iShares 0-1 Year Treasury Bond ETF
SHV
+$359K
5
GBIL icon
Goldman Sachs Access Treasury 0-1 Year ETF
GBIL
+$336K

Top Sells

Rank Stock Value
1
TBIL
F/m US Treasury 3 Month Bill Fund
TBIL
+$5.57M
2
MUB icon
iShares National Muni Bond ETF
MUB
+$1.17M
3
VOO icon
Vanguard S&P 500 ETF
VOO
+$841K
4
VT icon
Vanguard Total World Stock ETF
VT
+$527K
5
EFIV icon
State Street SPDR S&P 500 ESG ETF
EFIV
+$444K

Sector Composition

Rank Sector Weight
1 Technology 7.2%
2 Industrials 2.9%
3 Financials 1.28%
4 Consumer Discretionary 0.62%
5 Healthcare 0.19%
Name Market Value Portfolio Weight Shares or Principal Change
in Stake 		Capital Flow
VT icon
1
Vanguard Total World Stock ETF
VT
$79.2B
$32.2M 12.34%
233,462
-3,963
-2% -$527K
VTI icon
2
Vanguard Morningstar Total Stock Market ETF
VTI
$680B
$29M 11.11%
88,270
+15,303
+21% +$4.83M
BIV icon
3
Vanguard Intermediate-Term Bond ETF
BIV
$28.8B
$17.8M 6.83%
228,024
+244
+0.1% +$18.9K
AGG icon
4
iShares Core US Aggregate Bond ETF
AGG
$137B
$17.4M 6.68%
173,727
-1,889
-1% -$187K
VOO icon
5
Vanguard S&P 500 ETF
VOO
$1.01T
$14.7M 5.66%
24,076
-1,427
-6% -$841K
SPTM icon
6
State Street SPDR Portfolio S&P 1500 Composite Stock Market ETF
SPTM
$14B
$10.9M 4.17%
134,692
-5,048
-4% -$392K
EFIV icon
7
State Street SPDR S&P 500 ESG ETF
EFIV
$1.03B
$10.7M 4.11%
168,342
-7,289
-4% -$444K
IUSB icon
8
iShares Core Universal USD Bond ETF
IUSB
$43B
$8.74M 3.35%
187,134
-2,268
-1% -$105K
BND icon
9
Vanguard Total Bond Market
BND
$157B
$8.49M 3.26%
114,212
+9,952
+10% +$733K
AAPL icon
10
Apple
AAPL
$4.55T
$6.98M 2.68%
27,409
-91
-0.3% -$20.6K
GBIL icon
11
Goldman Sachs Access Treasury 0-1 Year ETF
GBIL
$7.57B
$5.95M 2.28%
59,364
+3,358
+6% +$336K
GSY icon
12
Invesco Ultra Short Duration ETF
GSY
$3.9B
$5.93M 2.27%
118,042
-867
-0.7% -$43.5K
BILS icon
13
State Street SPDR Bloomberg 3-12 Month T-Bill ETF
BILS
$3.89B
$5.72M 2.19%
57,462
-1,814
-3% -$180K
TBIL
14
F/m US Treasury 3 Month Bill Fund
TBIL
$7.19B
$5.27M 2.02%
105,492
-111,576
-51% -$5.57M
MMM icon
15
3M
MMM
$92.9B
$5.04M 1.93%
32,451
-481
-1% -$74.2K
ANET icon
16
Arista Networks
ANET
$242B
$4.68M 1.79%
32,093
– –
GSST icon
17
Goldman Sachs Access Ultra Short Bond ETF
GSST
$1.58B
$4.63M 1.78%
91,362
-770
-0.8% -$38.9K
ESGV icon
18
Vanguard ESG US Stock ETF
ESGV
$13.5B
$4.27M 1.64%
36,014
+4,331
+14% +$493K
XBIL icon
19
US Treasury 6 Month Bill ETF
XBIL
$741M
$4.13M 1.58%
82,279
-993
-1% -$49.7K
TFLO icon
20
iShares Treasury Floating Rate Bond ETF
TFLO
$6.64B
$4.04M 1.55%
79,767
-1,056
-1% -$53.4K
IEF icon
21
iShares 7-10 Year Treasury Bond ETF
IEF
$47.2B
$3.41M 1.31%
35,332
-287
-0.8% -$27.4K
LPLA icon
22
LPL Financial
LPLA
$28.2B
$3.34M 1.28%
10,041
– –
MSFT icon
23
Microsoft
MSFT
$3.67T
$3.27M 1.26%
6,319
-301
-5% -$154K
IEI icon
24
iShares 3-7 Year Treasury Bond ETF
IEI
$17.7B
$2.83M 1.09%
23,717
-251
-1% -$29.9K
EAGG icon
25
iShares ESG Aware US Aggregate Bond ETF
EAGG
$4.96B
$2.69M 1.03%
55,950
-326
-0.6% -$15.5K
1
2 3

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FH
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NI
NYL Investors New York $265M AUM 3.93% 1-Year Est. Return
BIA
Beacon Investment Advisors Gaithersburg, Maryland $265M AUM 25.95% 1-Year Est. Return
SST
S Squared Technology New York $264M AUM 73.25% 1-Year Est. Return
BFA
Brown Financial Advisors Milford, Ohio $264M AUM 16.17% 1-Year Est. Return
WRTC
Wind River Trust Company Jackson, Wyoming $265M AUM 17.63% 1-Year Est. Return
AFA
Alta Fundamental Advisers New York $265M AUM 98.61% 1-Year Est. Return
WFG
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Retirement Capital Strategies's Q3 2025 Portfolio in Review

As of Q3 2025, Retirement Capital Strategies held 64 positions worth $261M, up 3.3% from $252M the previous quarter. Its ten largest holdings account for 60% of the portfolio.

Trading was light in Q3 2025: portfolio turnover was 3.1%. Retirement Capital Strategies opened no new positions and exited 2, leaving the 64-position portfolio largely intact.

By sector, the portfolio is most concentrated in Technology at 7.2% of assets, up from 6.2% a quarter earlier, followed by Industrials and Financials.

  • Retirement Capital Strategies added most to Vanguard Morningstar Total Stock Market ETF in Q3 2025, an estimated $4.83M increase.
  • Retirement Capital Strategies's biggest Q3 2025 reduction was F/m US Treasury 3 Month Bill Fund, cutting an estimated $5.57M.
  • Retirement Capital Strategies fully exited iShares National Muni Bond ETF in Q3 2025, selling an estimated $1.17M.
  • Retirement Capital Strategies's ten largest holdings make up 60% of its $261M portfolio in Q3 2025.
  • Retirement Capital Strategies opened 0 new positions and closed 2 in Q3 2025.
  • Retirement Capital Strategies's portfolio value rose 3.3% quarter-over-quarter to $261M.

Based on Retirement Capital Strategies's 13F filing for Q3 2025, filed 12 Nov 2025.