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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
+2.51%
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
$270M
AUM Growth
+$9M
Cap. Flow
+$4.88M
Cap. Flow %
1.81%
Top 10 Hldgs %
58.83%
Holding
72
New
10
Increased
21
Reduced
17
Closed
4

Top Buys

Rank Stock Value
1
GLD icon
SPDR Gold Trust
GLD
+$5.75M
2
MBB icon
iShares MBS ETF
MBB
+$5.58M
3
SPMB icon
State Street SPDR Portfolio Mortgage Backed Bond ETF
SPMB
+$5.25M
4
SLV icon
iShares Silver Trust
SLV
+$4.77M
5
IEI icon
iShares 3-7 Year Treasury Bond ETF
IEI
+$1.4M

Top Sells

Rank Stock Value
1
GSY icon
Invesco Ultra Short Duration ETF
GSY
+$5.93M
2
GSST icon
Goldman Sachs Access Ultra Short Bond ETF
GSST
+$4.21M
3
TBIL
F/m US Treasury 3 Month Bill Fund
TBIL
+$3.36M
4
TFLO icon
iShares Treasury Floating Rate Bond ETF
TFLO
+$2.68M
5
VT icon
Vanguard Total World Stock ETF
VT
+$2.67M

Sector Composition

Rank Sector Weight
1 Technology 6.95%
2 Industrials 2.79%
3 Financials 1.33%
4 Consumer Discretionary 0.61%
5 Healthcare 0.2%
Name Market Value Portfolio Weight Shares or Principal Change
in Stake 		Capital Flow
VT icon
1
Vanguard Total World Stock ETF
VT
$79.2B
$30.2M 11.21%
214,355
-19,107
-8% -$2.67M
VTI icon
2
Vanguard Morningstar Total Stock Market ETF
VTI
$681B
$28.4M 10.52%
84,653
-3,617
-4% -$1.2M
BIV icon
3
Vanguard Intermediate-Term Bond ETF
BIV
$28.9B
$18.9M 7.02%
243,068
+15,044
+7% +$1.18M
AGG icon
4
iShares Core US Aggregate Bond ETF
AGG
$138B
$18.6M 6.88%
185,897
+12,170
+7% +$1.22M
VOO icon
5
Vanguard S&P 500 ETF
VOO
$1.01T
$15M 5.58%
23,987
-89
-0.4% -$55.3K
SPTM icon
6
State Street SPDR Portfolio S&P 1500 Composite Stock Market ETF
SPTM
$14B
$11.1M 4.12%
134,692
– –
EFIV icon
7
State Street SPDR S&P 500 ESG ETF
EFIV
$1.03B
$10.5M 3.9%
158,859
-9,483
-6% -$617K
IUSB icon
8
iShares Core Universal USD Bond ETF
IUSB
$43.2B
$9.39M 3.48%
201,662
+14,528
+8% +$679K
BND icon
9
Vanguard Total Bond Market
BND
$158B
$9.03M 3.35%
121,944
+7,732
+7% +$575K
AAPL icon
10
Apple
AAPL
$4.54T
$7.45M 2.76%
27,409
– –
GBIL icon
11
Goldman Sachs Access Treasury 0-1 Year ETF
GBIL
$7.57B
$6.37M 2.36%
63,706
+4,342
+7% +$435K
BILS icon
12
State Street SPDR Bloomberg 3-12 Month T-Bill ETF
BILS
$3.89B
$6.26M 2.32%
63,105
+5,643
+10% +$560K
SLV icon
13
iShares Silver Trust
SLV
$29.9B
$6.14M 2.28%
+95,261
New +$4.77M
GLD icon
14
SPDR Gold Trust
GLD
$138B
$5.97M 2.21%
+15,054
New +$5.75M
MBB icon
15
iShares MBS ETF
MBB
$39.1B
$5.81M 2.16%
61,052
+58,528
+2,319% +$5.58M
SPMB icon
16
State Street SPDR Portfolio Mortgage Backed Bond ETF
SPMB
$7B
$5.62M 2.08%
250,812
+233,088
+1,315% +$5.25M
MMM icon
17
3M
MMM
$93.9B
$5.16M 1.91%
32,236
-215
-0.7% -$35.2K
IEI icon
18
iShares 3-7 Year Treasury Bond ETF
IEI
$17.8B
$4.23M 1.57%
35,404
+11,687
+49% +$1.4M
ANET icon
19
Arista Networks
ANET
$248B
$4.21M 1.56%
32,152
+59
+0.2% +$8.12K
ESGV icon
20
Vanguard ESG US Stock ETF
ESGV
$13.6B
$3.97M 1.47%
32,790
-3,224
-9% -$387K
LPLA icon
21
LPL Financial
LPLA
$28.3B
$3.59M 1.33%
10,041
– –
IEF icon
22
iShares 7-10 Year Treasury Bond ETF
IEF
$47.3B
$3.55M 1.32%
36,922
+1,590
+5% +$154K
XBIL icon
23
US Treasury 6 Month Bill ETF
XBIL
$741M
$3.33M 1.23%
66,454
-15,825
-19% -$793K
MSFT icon
24
Microsoft
MSFT
$3.62T
$3.07M 1.14%
6,341
+22
+0.3% +$11K
EUSB icon
25
iShares ESG Advanced Universal USD Bond ETF
EUSB
$713M
$3.05M 1.13%
69,524
+9,261
+15% +$408K
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
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WFG
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Retirement Capital Strategies's Q4 2025 Portfolio in Review

As of Q4 2025, Retirement Capital Strategies held 72 positions worth $270M, up 3.5% from $261M the previous quarter. Its ten largest holdings account for 59% of the portfolio.

Retirement Capital Strategies's Q4 2025 filing shows 10 new, 21 increased, 17 reduced and 4 closed positions. Its largest new stake was SPDR Gold Trust: 15,054 shares worth $5.97M. The largest sale was Invesco Ultra Short Duration ETF, an estimated $5.93M.

By sector, the portfolio is most concentrated in Technology at 7% of assets, down from 7.2% a quarter earlier, followed by Industrials and Financials.

  • Retirement Capital Strategies's largest Q4 2025 buy was SPDR Gold Trust: 15,054 shares worth $5.97M.
  • Retirement Capital Strategies added most to iShares MBS ETF in Q4 2025, an estimated $5.58M increase.
  • Retirement Capital Strategies's biggest Q4 2025 reduction was Goldman Sachs Access Ultra Short Bond ETF, cutting an estimated $4.21M.
  • Retirement Capital Strategies fully exited Invesco Ultra Short Duration ETF in Q4 2025, selling an estimated $5.93M.
  • Retirement Capital Strategies's ten largest holdings make up 59% of its $270M portfolio in Q4 2025.
  • Retirement Capital Strategies opened 10 new positions and closed 4 in Q4 2025.
  • Retirement Capital Strategies's portfolio value rose 3.5% quarter-over-quarter to $270M.

Based on Retirement Capital Strategies's 13F filing for Q4 2025, filed 13 Feb 2026.