RCS Financial Planning, LLC
In its 13F for Q1 2024 (holdings as of March 31, 2024, filed April 26, 2024), RCS Financial Planning, LLC reported 69 stock positions worth $162.5 million. Its top holding was Dimensional Core Fixed (DFCF) at 12.0% of the portfolio, followed by Dimensional US Core Equity 2 (DFAC, 10.3%) and Dimensional Short Duration (DFSD, 7.0%). Compared with Q4 2023, it opened 13 new positions, sold out of 7, added to 16 and reduced 36. The biggest buy was Vanguard Mrngstar GR ETF-Sui (VUG, shares +414%) and the biggest sale iShares Core S&P 500 ETF (IVV, shares −39%).
- Most Recent 13F
- Q2 2026
- Location
- ANNAPOLIS, MD
- CIK
- 0001963347
- Portfolio Value
- $162.5M (Q1 2024)
- SEC Filing
- 0001085146-24-002087 ↗ filed Apr 26, 2024
Holdings Value
Holdings 69 stocks · $162.5M
| DFCF Dimensional Core Fixed Inc. | 12.02% | 465,427 | $19.5M | Reduce -14.1% |
| DFAC Dimensional US Core Equity 2 | 10.32% | 524,624 | $16.8M | Reduce -17.9% |
| DFSD Dimensional Short Duration | 7.04% | 243,189 | $11.4M | Add +8.2% |
| IVV iShares Core S&P 500 ETF | 5.85% | 18,093 | $9.5M | Reduce -39.1% |
| DFIC Dimensional International Co. | 5.82% | 353,248 | $9.4M | Add +40.5% |
| VUG Vanguard Mrngstar GR ETF-Sui | 4.96% | 23,432 | $8.1M | Add +413.9% |
| DFSV Dimensional US Small Cap Val | 4.48% | 241,745 | $7.3M | Add +3.4% |
| VTV Vanguard Mrngstr Val ETF-Aui | 4.25% | 42,423 | $6.9M | Add +406.0% |
| DUHP Dimensional US High Profi Et | 3.68% | 189,173 | $6.0M | Reduce -18.5% |
| IUSB Ishr CR Unvrse Usd BD ETF-Ui | 3.49% | 124,280 | $5.7M | Reduce -13.5% |
| IAGG iShares Intl Aggregate Bond | 1.93% | 62,625 | $3.1M | New |
| EFV iShares MSCI Eafe Value ETF | 1.82% | 54,382 | $3.0M | Reduce -6.5% |
| AAPL Apple Inc. | 1.61% | 15,270 | $2.6M | Add +3.4% |
| DFAE Dimensional Emerging Core Eq | 1.55% | 102,202 | $2.5M | Reduce -3.5% |
| DFAU Dimensional US Core Equity M | 1.50% | 66,902 | $2.4M | Reduce -29.4% |
| QUAL iShares MSCI USA Quality Fac | 1.43% | 14,110 | $2.3M | Reduce -33.6% |
| DISV Dimensional International SM | 1.41% | 84,437 | $2.3M | Reduce -13.3% |
| DIHP Dimensional International Hi | 1.32% | 79,779 | $2.1M | Reduce -11.8% |
| EFG iShares MSCI Eafe Growth ETF | 1.22% | 19,036 | $2.0M | Reduce -6.2% |
| BSV Vanguard Short-Term Bond ETF | 1.08% | 22,912 | $1.8M | Reduce -0.1% |
| VTEB Vanguard Tax-Exempt Bond ETF | 1.08% | 34,601 | $1.8M | Add +1.1% |
| DYNF Ishrs US E F R A ETF-Usd Inc. | 1.05% | 38,455 | $1.7M | New |
| BLV Vanguard Long-Term Bond ETF | 1.04% | 23,374 | $1.7M | New |
| VMBS Vanguard Mortgage-Backed Sec | 1.02% | 36,209 | $1.7M | New |
| VEA Vanguard Ftse Developed ETF | 0.97% | 31,528 | $1.6M | Reduce -5.3% |
| IVW iShares S&P 500 Growth ETF | 0.94% | 18,133 | $1.5M | Add +35.8% |
| DFAR Dimensional US Real Est ETF | 0.93% | 67,732 | $1.5M | Reduce -17.3% |
| IVE iShares S&P 500 Value ETF | 0.92% | 8,003 | $1.5M | New |
| MRSH Marsh & McLennan Cos | 0.88% | 6,905 | $1.4M | Add +0.0% |
| ESGU iShares ESG Aware MSCI USA | 0.80% | 11,325 | $1.3M | Reduce -33.6% |
| DFEM Dimensional Emrg MRKT Core | 0.76% | 48,359 | $1.2M | New |
| DEHP Dimensional Emrg MRK Hi Prof | 0.68% | 44,303 | $1.1M | Reduce -12.4% |
| MBB iShares MBS ETF | 0.65% | 11,346 | $1.0M | Reduce -37.8% |
| MUB iShares National Muni Bond E | 0.63% | 9,578 | $1.0M | Add +21.1% |
| DFEV Dimensional Emrg MRKT Val | 0.63% | 39,676 | $1.0M | Reduce -12.8% |
| IYW iShares Ustechnology ETF | 0.63% | 7,559 | $1.0M | Reduce -28.9% |
| OEF iShares S&P 100 ETF | 0.61% | 3,979 | $984K | Reduce -49.6% |
| EMXC iShares MSCI Emr MRK Ex Chna | 0.53% | 15,073 | $868K | Add +37.9% |
| VV Vngrd Mrgstr LRG-Cap ETF-Usd | 0.44% | 3,010 | $722K | No change |
| TLT iShares 20+ Year Treasury BD | 0.44% | 7,479 | $708K | Reduce -43.4% |
| IEFA iShares Core MSCI Eafe ETF | 0.43% | 9,421 | $699K | Reduce -0.0% |
| SUB iShares Short-Term National | 0.40% | 6,165 | $646K | Reduce -2.3% |
| BND Vanguard Total Bond Market | 0.40% | 8,855 | $643K | Add +3.6% |
| VTI VG Morningstar TS MKT ETF-US | 0.40% | 2,471 | $642K | Reduce -0.2% |
| VTES Vanguard SH Term Tax-Ex Bond | 0.37% | 5,942 | $598K | No change |
| DCOR Dimensional US Core Eq 1 ETF | 0.36% | 10,082 | $591K | New |
| IEMG iShares Core MSCI Emerging | 0.33% | 10,488 | $541K | Reduce -47.6% |
| DFGX Dimsnl Intr CF in ETF-Usd Inc. | 0.32% | 9,823 | $521K | New |
| DFAI Dimensional International Co. | 0.32% | 17,086 | $516K | Add +2.0% |
| CSX CSX Corp. | 0.30% | 13,184 | $489K | No change |
| VWO Vanguard Ftse Emerging Marke | 0.30% | 11,695 | $489K | Reduce -16.0% |
| AVUV Avantis US Small Cap Value | 0.30% | 5,120 | $480K | Reduce -0.2% |
| HEFA Isha Curr Hedged MSCI Eafe | 0.28% | 13,033 | $455K | New |
| PG The Procter & Gamble Co. | 0.26% | 2,621 | $425K | Add +0.1% |
| SCHZ Schwab US Aggregate Bond ETF | 0.26% | 9,114 | $419K | Reduce -15.3% |
| BNDX Vanguard Total Intl Bond ETF | 0.25% | 8,134 | $400K | Reduce -11.9% |
| DFNM Dimensional National Muni BD | 0.24% | 8,154 | $392K | Add +6.0% |
| DFLV Dim US Large Cap Value ETF | 0.23% | 12,214 | $366K | Reduce -3.1% |
| BINC iShares Flex I A ETF-Usd Inc. | 0.22% | 6,780 | $356K | New |
| LCTU iShares U.S. Carbon Transiti | 0.19% | 5,448 | $313K | Add +3.6% |
| HON Honeywell International Inc. | 0.19% | 1,485 | $305K | No change |
| VGT Vanguard Info Tech ETF | 0.19% | 578 | $303K | Reduce -2.4% |
| IXC iShares Global Energy ETF | 0.18% | 6,990 | $300K | Reduce -18.8% |
| IFRA iShares US Infrastructure | 0.17% | 6,401 | $278K | Reduce -32.1% |
| IEV iShares Europe ETF | 0.17% | 4,858 | $270K | Reduce -3.0% |
| IVLU iShares MSCI International V | 0.16% | 9,305 | $263K | Reduce -9.8% |
| XOM Exxon Mobil Corp. | 0.14% | 1,919 | $223K | New |
| MSFT Microsoft Corp. | 0.14% | 523 | $220K | New |
| VB Vanguard Most SM-Cap ETF-Usd | 0.12% | 877 | $200K | New |
Portfolio Sells Q4 2023 → Q1 2024
| IVV iShares Core S&P 500 ETF | Reduce -39.1% | 5.85% | −3.43 |
| DFCF Dimensional Core Fixed Inc. | Reduce -14.1% | 12.02% | −3.02 |
| DFAC Dimensional US Core Equity 2 | Reduce -17.9% | 10.32% | −1.91 |
| TFLO iShares Treasury Floating Ra | Sold out | 0.00% | −0.94 |
| IUSB Ishr CR Unvrse Usd BD ETF-Ui | Reduce -13.5% | 3.49% | −0.84 |
| DUHP Dimensional US High Profi Et | Reduce -18.5% | 3.68% | −0.66 |
| QUAL iShares MSCI USA Quality Fac | Reduce -33.6% | 1.43% | −0.62 |
| LQD Ishr Ibx Usd Invgd CB ETF-Ui | Sold out | 0.00% | −0.56 |
| DFAU Dimensional US Core Equity M | Reduce -29.4% | 1.50% | −0.56 |
| OEF iShares S&P 100 ETF | Reduce -49.6% | 0.61% | −0.55 |
| MBB iShares MBS ETF | Reduce -37.8% | 0.65% | −0.48 |
| TLT iShares 20+ Year Treasury BD | Reduce -43.4% | 0.44% | −0.42 |
| ESGU iShares ESG Aware MSCI USA | Reduce -33.6% | 0.80% | −0.37 |
| IEMG iShares Core MSCI Emerging | Reduce -47.6% | 0.33% | −0.33 |
| SPYM Ste STR SPDR PT S&P 500 ETF | Sold out | 0.00% | −0.30 |
| DFAR Dimensional US Real Est ETF | Reduce -17.3% | 0.93% | −0.29 |
| USMV iShares MSCI USA Min Vol Fac | Sold out | 0.00% | −0.27 |
| DISV Dimensional International SM | Reduce -13.3% | 1.41% | −0.23 |
| IYW iShares Ustechnology ETF | Reduce -28.9% | 0.63% | −0.23 |
| DIHP Dimensional International Hi | Reduce -11.8% | 1.32% | −0.20 |
| EFV iShares MSCI Eafe Value ETF | Reduce -6.5% | 1.82% | −0.16 |
| TLH iShares 10-20 Year Treasury | Sold out | 0.00% | −0.14 |
| EMB iShares JP Morgan Usd Emergi | Sold out | 0.00% | −0.14 |
| SUSL iShares ESG MSCI USA Leaders | Sold out | 0.00% | −0.13 |
| DEHP Dimensional Emrg MRK Hi Prof | Reduce -12.4% | 0.68% | −0.13 |
| DFEV Dimensional Emrg MRKT Val | Reduce -12.8% | 0.63% | −0.12 |
| DFAE Dimensional Emerging Core Eq | Reduce -3.5% | 1.55% | −0.12 |
| IFRA iShares US Infrastructure | Reduce -32.1% | 0.17% | −0.08 |
| BSV Vanguard Short-Term Bond ETF | Reduce -0.1% | 1.08% | −0.07 |
| VWO Vanguard Ftse Emerging Marke | Reduce -16.0% | 0.30% | −0.07 |
| SCHZ Schwab US Aggregate Bond ETF | Reduce -15.3% | 0.26% | −0.07 |
| EFG iShares MSCI Eafe Growth ETF | Reduce -6.2% | 1.22% | −0.07 |
| VEA Vanguard Ftse Developed ETF | Reduce -5.3% | 0.97% | −0.07 |
| BNDX Vanguard Total Intl Bond ETF | Reduce -11.9% | 0.25% | −0.05 |
| SUB iShares Short-Term National | Reduce -2.3% | 0.40% | −0.04 |
| IXC iShares Global Energy ETF | Reduce -18.8% | 0.18% | −0.04 |
| IVLU iShares MSCI International V | Reduce -9.8% | 0.16% | −0.02 |
| IEV iShares Europe ETF | Reduce -3.0% | 0.17% | −0.01 |
| AVUV Avantis US Small Cap Value | Reduce -0.2% | 0.30% | −0.01 |
| IEFA iShares Core MSCI Eafe ETF | Reduce -0.0% | 0.43% | −0.00 |
| VGT Vanguard Info Tech ETF | Reduce -2.4% | 0.19% | −0.00 |
| DFLV Dim US Large Cap Value ETF | Reduce -3.1% | 0.23% | +0.00 |
| VTI VG Morningstar TS MKT ETF-US | Reduce -0.2% | 0.40% | +0.01 |
Portfolio Buys Q4 2023 → Q1 2024
| VUG Vanguard Mrngstar GR ETF-Sui | Add +413.9% | 4.96% | +4.04 |
| VTV Vanguard Mrngstr Val ETF-Aui | Add +406.0% | 4.25% | +3.43 |
| IAGG iShares Intl Aggregate Bond | New | 1.93% | +1.93 |
| DFIC Dimensional International Co. | Add +40.5% | 5.82% | +1.62 |
| DYNF Ishrs US E F R A ETF-Usd Inc. | New | 1.05% | +1.05 |
| BLV Vanguard Long-Term Bond ETF | New | 1.04% | +1.04 |
| VMBS Vanguard Mortgage-Backed Sec | New | 1.02% | +1.02 |
| IVE iShares S&P 500 Value ETF | New | 0.92% | +0.92 |
| DFEM Dimensional Emrg MRKT Core | New | 0.76% | +0.76 |
| DCOR Dimensional US Core Eq 1 ETF | New | 0.36% | +0.36 |
| DFGX Dimsnl Intr CF in ETF-Usd Inc. | New | 0.32% | +0.32 |
| IVW iShares S&P 500 Growth ETF | Add +35.8% | 0.94% | +0.29 |
| HEFA Isha Curr Hedged MSCI Eafe | New | 0.28% | +0.28 |
| BINC iShares Flex I A ETF-Usd Inc. | New | 0.22% | +0.22 |
| EMXC iShares MSCI Emr MRK Ex Chna | Add +37.9% | 0.53% | +0.14 |
| XOM Exxon Mobil Corp. | New | 0.14% | +0.14 |
| MSFT Microsoft Corp. | New | 0.14% | +0.14 |
| DFSD Dimensional Short Duration | Add +8.2% | 7.04% | +0.13 |
| VB Vanguard Most SM-Cap ETF-Usd | New | 0.12% | +0.12 |
| MUB iShares National Muni Bond E | Add +21.1% | 0.63% | +0.07 |
| DFSV Dimensional US Small Cap Val | Add +3.4% | 4.48% | +0.02 |
| MRSH Marsh & McLennan Cos | Add +0.0% | 0.88% | +0.02 |
| LCTU iShares U.S. Carbon Transiti | Add +3.6% | 0.19% | +0.01 |
| PG The Procter & Gamble Co. | Add +0.1% | 0.26% | +0.01 |
| DFAI Dimensional International Co. | Add +2.0% | 0.32% | +0.00 |
| DFNM Dimensional National Muni BD | Add +6.0% | 0.24% | −0.00 |
| BND Vanguard Total Bond Market | Add +3.6% | 0.40% | −0.02 |
| VTEB Vanguard Tax-Exempt Bond ETF | Add +1.1% | 1.08% | −0.07 |
| AAPL Apple Inc. | Add +3.4% | 1.61% | −0.25 |
All Filings
| Quarter | Positions | 13F Reported Value | Top Holdings |
|---|---|---|---|
| Q2 2026 | 102 | $211.2M | DFAC, DFCF, FBND, DFSV, DFIC |
| Q1 2026 | 98 | $192.8M | DFAC, DFCF, FBND, DFIC, DFSV |
| Q4 2025 | 90 | $232.0M | DFAC, DFCF, FBND, DFIC, DUHP |
| Q3 2025 | 92 | $225.8M | DFAC, DFCF, FBND, DFIC, DUHP |
| Q2 2025 | 83 | $201.1M | DFAC, DFCF, FBND, DFIC, DUHP |
| Q1 2025 | 76 | $189.5M | DFAC, DFCF, FBND, DFIC, IVV |
| Q4 2024 | 77 | $187.9M | DFAC, DFCF, FBND, DFIC, IVV |
| Q3 2024 | 68 | $180.1M | DFCF, DFAC, DFSD, DFIC, IVV |
| Q2 2024 | 69 | $169.6M | DFCF, DFAC, DFSD, DFIC, IVV |
| Q1 2024 | 69 | $162.5M | DFCF, DFAC, DFSD, IVV, DFIC |