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RFS

Retirement Financial Solutions Portfolio holdings

AUM $350M
1-Year Est. Return 16.94%
This Fund
S&P 500
This Quarter Est. Return
+6.35%
1 Year Est. Return
+16.94%
3 Year Est. Return
+40.64%
5 Year Est. Return
–
10 Year Est. Return
–
AUM
$319M
AUM Growth
+$35.4M
Cap. Flow
+$19.6M
Cap. Flow %
6.13%
Top 10 Hldgs %
61.22%
Holding
54
New
16
Increased
20
Reduced
9
Closed
9

Top Buys

Rank Stock Value
1
SPMD icon
State Street SPDR Portfolio S&P 400 Mid Cap ETF
SPMD
+$21M
2
AVSC icon
Avantis US Small Cap Equity ETF
AVSC
+$20.5M
3
AVUV icon
Avantis US Small Cap Value ETF
AVUV
+$20.4M
4
QQQJ icon
Invesco NASDAQ Next Gen 100 ETF
QQQJ
+$15.3M
5
VWO icon
Vanguard FTSE Emerging Markets ETF
VWO
+$15M

Top Sells

Rank Stock Value
1
VO icon
Vanguard Mid-Cap ETF
VO
+$20.5M
2
VBR icon
Vanguard Small-Cap Value ETF
VBR
+$19.7M
3
SPSM icon
State Street SPDR Portfolio S&P 600 Small Cap ETF
SPSM
+$19.5M
4
EEM icon
iShares MSCI Emerging Markets ETF
EEM
+$14.6M
5
QQQ icon
Invesco QQQ Trust
QQQ
+$13.2M

Sector Composition

Rank Sector Weight
1 Technology 0.51%
2 Consumer Discretionary 0.08%
Name Market Value Portfolio Weight Shares or Principal Change
in Stake 		Capital Flow
IAUM icon
26
iShares Gold Trust Micro
IAUM
$6.31B
$1.44M 0.45%
+37,328
New +$1.29M
VNQ icon
27
Vanguard Real Estate ETF
VNQ
$40.1B
$1.18M 0.37%
12,933
-78
-0.6% -$7.08K
VXUS icon
28
Vanguard Total International Stock ETF
VXUS
$153B
$1.16M 0.36%
15,821
+77
+0.5% +$5.47K
VCIT icon
29
Vanguard Intermediate-Term Corporate Bond ETF
VCIT
$66.4B
$1.14M 0.36%
+13,534
New +$1.13M
VOE icon
30
Vanguard Mid-Cap Value ETF
VOE
$24.1B
$926K 0.29%
5,303
+27
+0.5% +$4.59K
IBM icon
31
IBM
IBM
$213B
$798K 0.25%
+2,827
New +$740K
VONE icon
32
Vanguard Russell 1000 ETF
VONE
$8.22B
$748K 0.23%
2,473
+7
+0.3% +$2.04K
DBMF icon
33
iMGP DBi Managed Futures Strategy ETF
DBMF
$4B
$616K 0.19%
22,562
+1,307
+6% +$34.2K
NVDA icon
34
NVIDIA
NVDA
$4.77T
$613K 0.19%
3,287
+138
+4% +$24.1K
QYLD icon
35
Global X NASDAQ-100 Covered Call ETF
QYLD
$7.99B
$606K 0.19%
35,619
+2,481
+7% +$41.7K
VTI icon
36
Vanguard Total Stock Market ETF
VTI
$656B
$605K 0.19%
1,843
+6
+0.3% +$1.9K
AMLP icon
37
Alerian MLP ETF
AMLP
$12.9B
$573K 0.18%
12,219
+118
+1% +$5.71K
VO icon
38
Vanguard Mid-Cap ETF
VO
$107B
$443K 0.14%
6,032
-285,656
-98% -$20.5M
VBR icon
39
Vanguard Small-Cap Value ETF
VBR
$37.7B
$414K 0.13%
1,983
-96,356
-98% -$19.7M
IBIT icon
40
iShares Bitcoin Trust
IBIT
$47.3B
$356K 0.11%
+5,478
New +$356K
SIVR icon
41
abrdn Physical Silver Shares ETF
SIVR
$3.97B
$335K 0.11%
+7,542
New +$284K
SPSM icon
42
State Street SPDR Portfolio S&P 600 Small Cap ETF
SPSM
$17.1B
$320K 0.1%
6,903
-435,181
-98% -$19.5M
TSLA icon
43
Tesla
TSLA
$1.21T
$259K 0.08%
582
-57
-9% -$19.8K
ETHA
44
iShares Ethereum Trust ETF
ETHA
$5.58B
$227K 0.07%
+7,198
New +$214K
MSFT icon
45
Microsoft
MSFT
$2.92T
$226K 0.07%
+437
New +$223K
EEM icon
46
iShares MSCI Emerging Markets ETF
EEM
$28.1B
– –
-302,995
Closed -$14.6M
GLD icon
47
SPDR Gold Trust
GLD
$131B
– –
-4,103
Closed -$1.25M
QQQ icon
48
Invesco QQQ Trust
QQQ
$445B
– –
-24,000
Closed -$13.2M
SHY icon
49
iShares 1-3 Year Treasury Bond ETF
SHY
$25.4B
– –
-63,336
Closed -$5.25M
SPHD icon
50
Invesco S&P 500 High Dividend Low Volatility ETF
SPHD
$3.42B
– –
-155,895
Closed -$7.41M
1
2
3

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MC
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KFG
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LAS
Lloyd Advisory Services Suwanee, Georgia $349M AUM 13.97% 1-Year Est. Return
SMC
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FFO
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EPW
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IWMA
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Retirement Financial Solutions's Q3 2025 Portfolio in Review

As of Q3 2025, Retirement Financial Solutions held 54 positions worth $319M, up 12% from $284M the previous quarter. Its ten largest holdings account for 61% of the portfolio.

Retirement Financial Solutions deployed $19.6M of net new capital in Q3 2025, opening 16 new positions and adding to 20 existing holdings. Its largest new stake was State Street SPDR Portfolio S&P 400 Mid Cap ETF: 372,319 shares worth $21.3M.

By sector, the portfolio is most concentrated in Technology at 0.51% of assets, up from 0.25% a quarter earlier, followed by Consumer Discretionary.

On the sell side, the largest reduction was Vanguard Mid-Cap ETF, an estimated $20.5M trimmed.

  • Retirement Financial Solutions's largest Q3 2025 buy was State Street SPDR Portfolio S&P 400 Mid Cap ETF: 372,319 shares worth $21.3M.
  • Retirement Financial Solutions added most to Pacer US Cash Cows 100 ETF in Q3 2025, an estimated $2.19M increase.
  • Retirement Financial Solutions's biggest Q3 2025 reduction was Vanguard Mid-Cap ETF, cutting an estimated $20.5M.
  • Retirement Financial Solutions fully exited iShares MSCI Emerging Markets ETF in Q3 2025, selling an estimated $14.6M.
  • Retirement Financial Solutions's ten largest holdings make up 61% of its $319M portfolio in Q3 2025.
  • Retirement Financial Solutions opened 16 new positions and closed 9 in Q3 2025.
  • Retirement Financial Solutions's portfolio value rose 12% quarter-over-quarter to $319M.

Based on Retirement Financial Solutions's 13F filing for Q3 2025, filed 22 Oct 2025.