Clear Retirement Advice LLC

In its 13F for Q2 2026 (holdings as of June 30, 2026, filed July 15, 2026), Clear Retirement Advice LLC reported 54 stock positions worth $146.0 million. Its top holding was Schwab Short-Term US Treas (SCHO) at 11.1% of the portfolio, followed by Ste STR SPDR PT DW Eu ETF (SPDW, 10.7%) and iShares Core S&P Total U.S. (ITOT, 10.2%). Compared with Q1 2026, it added to 14 and reduced 16. The biggest buy was iShares Core S&P Total U.S. (ITOT, shares +9%) and the biggest sale Apple (AAPL, shares −29%).

Most Recent 13F
Q2 2026
Location
SAN MATEO, CA
CIK
0002112984
Portfolio Value
$146.0M (Q2 2026)
SEC Filing
0002112984-26-000003 ↗ filed Jul 15, 2026

Holdings Value

0$50.0M$100.0M$150.0M Q4 2025: $128.6M Q4 2025 Q1 2026: $127.4M Q1 2026 Q2 2026: $146.0M $146.0M Q2 2026

Holdings 54 stocks · $146.0M
SCHO Schwab Short-Term US Treas 11.07% 669,894 $16.2M Add +12.0%
SPDW Ste STR SPDR PT DW Eu ETF 10.65% 308,661 $15.6M Add +9.7%
ITOT iShares Core S&P Total U.S. 10.19% 90,621 $14.9M Add +8.5%
TBLL Invesco Short Term Treasury 8.81% 121,931 $12.9M Add +8.3%
VBR Vngrd Mrngst SL-CP Val ETF-U 5.77% 34,691 $8.4M Add +6.0%
IGSB iShares 1-5Y Inv Grade Corp. 5.45% 151,850 $8.0M Add +14.2%
VBK Van Morst SML-Cap Gro-Usd Inc. 4.90% 19,585 $7.2M Add +5.4%
VWO Vanguard Ftse Emerging Marke 4.33% 105,818 $6.3M Add +9.0%
SGOL Abrdn Physical Gold Shares 3.83% 146,485 $5.6M Add +20.4%
SPYV SS SPDR P S&P 500 Value ETF 3.73% 89,583 $5.4M Add +12.1%
VTI VG Morningstar TS MKT ETF-US 3.53% 13,943 $5.2M Add +0.8%
SPYG SS SPDR P S&P 500 Growth ETF 3.14% 38,534 $4.6M Add +2.4%
VEA Vanguard Ftse Developed ETF 2.05% 42,061 $3.0M Reduce -1.5%
VCSH Vanguard S/T Corp. Bond ETF 1.90% 35,181 $2.8M Reduce -0.3%
SCHF Schwab Intl Equity ETF 1.66% 87,339 $2.4M Reduce -1.4%
SCHB Schwab US Broad Market ETF 1.57% 79,270 $2.3M Reduce -0.8%
IEMG iShares Core MSCI Emerging 1.49% 26,217 $2.2M Reduce -0.5%
IAU iShares Gold Trust 1.44% 27,941 $2.1M Reduce -0.1%
SCHV Schwab US Large-Cap Value 1.37% 57,373 $2.0M Reduce -1.1%
AAPL Apple Inc. 1.29% 6,525 $1.9M Reduce -28.7%
SLYG SS SPDR S&P 600 SC GR ETF 0.97% 11,909 $1.4M Reduce -0.9%
VGT Vanguard Info Tech ETF 0.74% 8,992 $1.1M No change
SHY iShares 1-3 Year Treasury Bo 0.68% 12,130 $996K Add +41.4%
SCHG Schwab US Large-Cap Growth 0.68% 29,337 $993K Reduce -2.6%
SLYV SS SPDR S&P 600 SC Val ETF 0.61% 8,111 $885K Reduce -2.4%
VTV Vanguard Mrngstr Val ETF-Aui 0.57% 3,848 $839K Reduce -0.1%
VTWV Vanguard Russell 2000 Value 0.48% 3,613 $706K No change
V Visa Inc. Class A 0.47% 2,003 $687K No change
GOOGL Alphabet Inc. Class A 0.46% 1,897 $678K No change
GOOG Alphabet Inc. Class C 0.45% 1,852 $654K No change
SPY SS SPDR S&P 500 ETF Trust-US 0.45% 874 $653K No change
SCHH Schwab US REIT ETF 0.39% 24,235 $574K No change
MA Mastercard Inc. Class A 0.36% 1,029 $528K No change
XLI SS Industrial Select Sector 0.30% 2,377 $440K No change
VUG Vanguard Mrngstar GR ETF-Sui 0.28% 4,759 $410K Reduce -15.3%
XLY SS Consumer Disc Select Sect 0.27% 3,352 $393K No change
XLK SS Technology Select Sector 0.27% 2,055 $392K Reduce -3.3%
SPEM State Street SP PTF Em ETF 0.26% 7,412 $384K Reduce -0.6%
ITM Vaneck Intermediate Muni ETF 0.24% 7,552 $355K No change
XLV SS Health Care Select Sector 0.24% 2,236 $355K No change
MUB iShares National Muni Bond E 0.24% 3,217 $346K No change
RSP Invesco S&P 500 Equal Weight 0.22% 1,519 $323K No change
XLU St Sr Utl SL SE SPDR ETF-Usd 0.21% 6,652 $302K No change
VOX Vanguard Communication Servi 0.21% 1,635 $301K No change
EFG iShares MSCI Eafe Growth ETF 0.20% 2,331 $290K No change
AZO AutoZone Inc. 0.19% 89 $284K No change
IWO iShares Russell 2000 Growth 0.19% 699 $275K Reduce -1.1%
JNJ Johnson & Johnson 0.19% 1,082 $275K No change
FAST Fastenal Co. 0.19% 5,694 $273K No change
XLP SS Consumer Staples Sel Sect 0.17% 3,000 $249K No change
BRK.B Berkshire Hathaway Inc. Class B 0.16% 453 $227K Add +7.1%
HD Home Depot Inc. 0.16% 642 $226K No change
CB Chubb Ltd. 0.15% 656 $224K No change
TJX TJX Companies Inc. filed as TJX COS INC NEW 0.15% 1,433 $217K No change

Portfolio Sells Q1 2026 → Q2 2026
AAPL Apple Inc. Reduce -28.7% 1.29% −0.53
IAU iShares Gold Trust Reduce -0.1% 1.44% −0.49
VCSH Vanguard S/T Corp. Bond ETF Reduce -0.3% 1.90% −0.29
VEA Vanguard Ftse Developed ETF Reduce -1.5% 2.05% −0.10
SCHF Schwab Intl Equity ETF Reduce -1.4% 1.66% −0.06
VUG Vanguard Mrngstar GR ETF-Sui Reduce -15.3% 0.28% −0.04
SCHV Schwab US Large-Cap Value Reduce -1.1% 1.37% −0.02
VTV Vanguard Mrngstr Val ETF-Aui Reduce -0.1% 0.57% −0.02
SPEM State Street SP PTF Em ETF Reduce -0.6% 0.26% −0.01
SLYV SS SPDR S&P 600 SC Val ETF Reduce -2.4% 0.61% −0.01
SCHG Schwab US Large-Cap Growth Reduce -2.6% 0.68% −0.01
SCHB Schwab US Broad Market ETF Reduce -0.8% 1.57% −0.00
IWO iShares Russell 2000 Growth Reduce -1.1% 0.19% +0.01
IEMG iShares Core MSCI Emerging Reduce -0.5% 1.49% +0.04
XLK SS Technology Select Sector Reduce -3.3% 0.27% +0.05
SLYG SS SPDR S&P 600 SC GR ETF Reduce -0.9% 0.97% +0.06

Portfolio Buys Q1 2026 → Q2 2026
ITOT iShares Core S&P Total U.S. Add +8.5% 10.19% +0.86
SPDW Ste STR SPDR PT DW Eu ETF Add +9.7% 10.65% +0.57
VBK Van Morst SML-Cap Gro-Usd Inc. Add +5.4% 4.90% +0.49
SPYG SS SPDR P S&P 500 Growth ETF Add +2.4% 3.14% +0.25
VWO Vanguard Ftse Emerging Marke Add +9.0% 4.33% +0.21
VBR Vngrd Mrngst SL-CP Val ETF-U Add +6.0% 5.77% +0.19
SPYV SS SPDR P S&P 500 Value ETF Add +12.1% 3.73% +0.18
SHY iShares 1-3 Year Treasury Bo Add +41.4% 0.68% +0.13
VTI VG Morningstar TS MKT ETF-US Add +0.8% 3.53% +0.05
BRK.B Berkshire Hathaway Inc. Class B Add +7.1% 0.16% −0.00
IGSB iShares 1-5Y Inv Grade Corp. Add +14.2% 5.45% −0.04
SCHO Schwab Short-Term US Treas Add +12.0% 11.07% −0.32
SGOL Abrdn Physical Gold Shares Add +20.4% 3.83% −0.43
TBLL Invesco Short Term Treasury Add +8.3% 8.81% −0.51

All Filings

QuarterPositions13F Reported ValueTop Holdings
Q2 2026 54$146.0MSCHO, SPDW, ITOT, TBLL, VBR
Q1 2026 54$127.4MSCHO, SPDW, ITOT, TBLL, VBR
Q4 2025 53$128.6MSCHO, SPDW, ITOT, TBLL, VBR