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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
MSFT icon
51
Microsoft
MSFT
$2.95T
– –
-437
Closed -$226K
QYLD icon
52
Global X NASDAQ-100 Covered Call ETF
QYLD
$7.99B
– –
-35,619
Closed -$606K
ETHA
53
iShares Ethereum Trust ETF
ETHA
$5.58B
– –
-7,198
Closed -$227K
1 2
3

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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.