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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
+1.49%
1 Year Est. Return
+16.94%
3 Year Est. Return
+40.64%
5 Year Est. Return
–
10 Year Est. Return
–
AUM
$342M
AUM Growth
+$22.1M
Cap. Flow
+$17.3M
Cap. Flow %
5.07%
Top 10 Hldgs %
61.41%
Holding
53
New
8
Increased
27
Reduced
11
Closed
6

Top Buys

Rank Stock Value
1
AVUS icon
Avantis US Equity ETF
AVUS
+$36.7M
2
AVEM icon
Avantis Emerging Markets Equity ETF
AVEM
+$11M
3
RSPA
Invesco S&P 500 Equal Weight Income Advantage ETF
RSPA
+$9.32M
4
VGLT icon
Vanguard Long-Term Treasury ETF
VGLT
+$4.67M
5
IEF icon
iShares 7-10 Year Treasury Bond ETF
IEF
+$2.4M

Top Sells

Rank Stock Value
1
SPYM
State Street SPDR Portfolio S&P 500 ETF
SPYM
+$19.2M
2
COWZ icon
Pacer US Cash Cows 100 ETF
COWZ
+$14M
3
HEDJ icon
WisdomTree Europe Hedged Equity Fund
HEDJ
+$11.2M
4
JEPI icon
JPMorgan Equity Premium Income ETF
JEPI
+$9.04M
5
EDV icon
Vanguard World Funds Extended Duration ETF
EDV
+$3.78M

Sector Composition

Rank Sector Weight
1 Financials 0.22%
2 Technology 0.17%
3 Consumer Discretionary 0.08%
Name Market Value Portfolio Weight Shares or Principal Change
in Stake 		Capital Flow
VNQ icon
26
Vanguard Real Estate ETF
VNQ
$40B
$1.5M 0.44%
16,940
+4,007
+31% +$360K
VCIT icon
27
Vanguard Intermediate-Term Corporate Bond ETF
VCIT
$66.4B
$1.34M 0.39%
16,044
+2,510
+19% +$211K
IAUM icon
28
iShares Gold Trust Micro
IAUM
$6.32B
$1.3M 0.38%
30,260
-7,068
-19% -$293K
VXUS icon
29
Vanguard Total International Stock ETF
VXUS
$153B
$1.22M 0.36%
16,108
+287
+2% +$21.4K
BTC
30
Grayscale Bitcoin Mini Trust ETF
BTC
$3.38B
$1.1M 0.32%
+28,417
New +$1.26M
VOE icon
31
Vanguard Mid-Cap Value ETF
VOE
$24.1B
$950K 0.28%
5,358
+55
+1% +$9.63K
VONE icon
32
Vanguard Russell 1000 ETF
VONE
$8.21B
$766K 0.22%
2,480
+7
+0.3% +$2.15K
BPRE
33
Bluerock Private Real Estate Fund
BPRE
$754K 0.22%
+50,291
New +$776K
ETH
34
Grayscale Ethereum Staking Mini ETF Shares
ETH
$1.75B
$750K 0.22%
+26,729
New +$871K
AMLP icon
35
Alerian MLP ETF
AMLP
$12.9B
$745K 0.22%
15,842
+3,623
+30% +$170K
DBMF icon
36
iMGP DBi Managed Futures Strategy ETF
DBMF
$4B
$733K 0.21%
26,136
+3,574
+16% +$102K
VTI icon
37
Vanguard Total Stock Market ETF
VTI
$656B
$621K 0.18%
1,853
+10
+0.5% +$3.33K
NVDA icon
38
NVIDIA
NVDA
$4.77T
$589K 0.17%
3,157
-130
-4% -$24.2K
VO icon
39
Vanguard Mid-Cap ETF
VO
$107B
$441K 0.13%
6,076
+44
+0.7% +$3.2K
SIVR icon
40
abrdn Physical Silver Shares ETF
SIVR
$3.97B
$437K 0.13%
6,460
-1,082
-14% -$56.9K
VBR icon
41
Vanguard Small-Cap Value ETF
VBR
$37.7B
$424K 0.12%
2,002
+19
+1% +$3.98K
QQA
42
Invesco QQQ Income Advantage ETF
QQA
$759M
$378K 0.11%
+7,128
New +$379K
BCI icon
43
abrdn Bloomberg All Commodity Strategy K-1 Free ETF
BCI
$2.92B
$339K 0.1%
+17,363
New +$386K
SPSM icon
44
State Street SPDR Portfolio S&P 600 Small Cap ETF
SPSM
$17.2B
$325K 0.1%
6,937
+34
+0.5% +$1.59K
TSLA icon
45
Tesla
TSLA
$1.21T
$262K 0.08%
582
– –
HEDJ icon
46
WisdomTree Europe Hedged Equity Fund
HEDJ
$1.83B
$231K 0.07%
4,363
-215,544
-98% -$11.2M
JEPI icon
47
JPMorgan Equity Premium Income ETF
JEPI
$45.9B
$222K 0.07%
3,879
-158,397
-98% -$9.04M
COWZ icon
48
Pacer US Cash Cows 100 ETF
COWZ
$18.9B
– –
-242,741
Closed -$14M
IBIT icon
49
iShares Bitcoin Trust
IBIT
$47.4B
– –
-5,478
Closed -$356K
IBM icon
50
IBM
IBM
$214B
– –
-2,827
Closed -$798K
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 Q4 2025 Portfolio in Review

As of Q4 2025, Retirement Financial Solutions held 53 positions worth $342M, up 6.9% from $319M the previous quarter. Its ten largest holdings account for 61% of the portfolio.

Retirement Financial Solutions deployed $17.3M of net new capital in Q4 2025, opening 8 new positions and adding to 27 existing holdings. Its largest new stake was Avantis US Equity ETF: 333,192 shares worth $37.2M.

By sector, the portfolio is most concentrated in Financials at 0.22% of assets, followed by Technology and Consumer Discretionary.

On the sell side, the largest reduction was State Street SPDR Portfolio S&P 500 ETF, an estimated $19.2M trimmed.

  • Retirement Financial Solutions's largest Q4 2025 buy was Avantis US Equity ETF: 333,192 shares worth $37.2M.
  • Retirement Financial Solutions added most to Vanguard Long-Term Treasury ETF in Q4 2025, an estimated $4.67M increase.
  • Retirement Financial Solutions's biggest Q4 2025 reduction was State Street SPDR Portfolio S&P 500 ETF, cutting an estimated $19.2M.
  • Retirement Financial Solutions fully exited Pacer US Cash Cows 100 ETF in Q4 2025, selling an estimated $14M.
  • Retirement Financial Solutions's ten largest holdings make up 61% of its $342M portfolio in Q4 2025.
  • Retirement Financial Solutions opened 8 new positions and closed 6 in Q4 2025.
  • Retirement Financial Solutions's portfolio value rose 6.9% quarter-over-quarter to $342M.

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