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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
SPYM
1
State Street SPDR Portfolio S&P 500 ETF
SPYM
$159B
$40M 12.53%
510,926
+9,269
+2% +$699K
SPMD icon
2
State Street SPDR Portfolio S&P 400 Mid Cap ETF
SPMD
$18.4B
$21.3M 6.66%
+372,319
New +$21M
AVSC icon
3
Avantis US Small Cap Equity ETF
AVSC
$3.06B
$21.3M 6.66%
+371,434
New +$20.5M
AVUV icon
4
Avantis US Small Cap Value ETF
AVUV
$30.3B
$21M 6.57%
+210,977
New +$20.4M
QQQJ icon
5
Invesco NASDAQ Next Gen 100 ETF
QQQJ
$1.12B
$16M 5.02%
+447,691
New +$15.3M
QQQM icon
6
Invesco NASDAQ 100 ETF
QQQM
$95.9B
$16M 5.01%
64,790
-7,232
-10% -$1.7M
VWO icon
7
Vanguard FTSE Emerging Markets ETF
VWO
$120B
$15.8M 4.95%
+291,772
New +$15M
DIA icon
8
State Street SPDR Dow Jones Industrial Average ETF Trust
DIA
$45.5B
$15.2M 4.75%
32,734
+4,420
+16% +$1.99M
IEF icon
9
iShares 7-10 Year Treasury Bond ETF
IEF
$47.3B
$15M 4.7%
155,735
-26,255
-14% -$2.51M
COWZ icon
10
Pacer US Cash Cows 100 ETF
COWZ
$18.5B
$14M 4.37%
242,741
+38,593
+19% +$2.19M
VGLT icon
11
Vanguard Long-Term Treasury ETF
VGLT
$10.2B
$13.3M 4.15%
+233,325
New +$13M
SCHD icon
12
Schwab US Dividend Equity ETF
SCHD
$103B
$12.2M 3.81%
+445,583
New +$12.2M
HEDJ icon
13
WisdomTree Europe Hedged Equity Fund
HEDJ
$1.82B
$11.1M 3.47%
219,907
+4,144
+2% +$205K
MGC icon
14
Vanguard Mega Cap 300 Index ETF
MGC
$9.86B
$10.6M 3.33%
43,616
+5,058
+13% +$1.18M
RSP icon
15
Invesco S&P 500 Equal Weight ETF
RSP
$97.1B
$10.1M 3.15%
53,055
+7,043
+15% +$1.31M
JEPI icon
16
JPMorgan Equity Premium Income ETF
JEPI
$45.6B
$9.27M 2.9%
162,276
+8,847
+6% +$502K
EDV icon
17
Vanguard World Funds Extended Duration ETF
EDV
$3.33B
$8.39M 2.63%
+122,554
New +$8.09M
SPYG icon
18
State Street SPDR Portfolio S&P 500 Growth ETF
SPYG
$50.6B
$5.37M 1.68%
51,368
+4,049
+9% +$403K
EPS icon
19
WisdomTree US LargeCap Fund
EPS
$1.57B
$5.24M 1.64%
76,054
+9,265
+14% +$616K
RWL icon
20
Invesco S&P 500 Revenue ETF
RWL
$9.57B
$5.24M 1.64%
47,335
+6,614
+16% +$705K
SPYV icon
21
State Street SPDR Portfolio S&P 500 Value ETF
SPYV
$36.2B
$5.14M 1.61%
92,972
+14,014
+18% +$755K
VGSH icon
22
Vanguard Short-Term Treasury ETF
VGSH
$29.3B
$4.82M 1.51%
+81,878
New +$4.8M
IGIB icon
23
iShares 5-10 Year Investment Grade Corporate Bond ETF
IGIB
$18.5B
$4.1M 1.28%
75,763
-19,560
-21% -$1.05M
SHYG icon
24
iShares 0-5 Year High Yield Corporate Bond ETF
SHYG
$7.6B
$4.09M 1.28%
94,392
-162,629
-63% -$7M
VOO icon
25
Vanguard S&P 500 ETF
VOO
$968B
$2.05M 0.64%
3,350
+34
+1% +$20K
1
2 3

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BC
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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
Spider Management Company Richmond, Virginia $351M AUM 18.35% 1-Year Est. Return
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.