RCS Financial Planning, LLC
In its 13F for Q2 2024 (holdings as of June 30, 2024, filed July 22, 2024), RCS Financial Planning, LLC reported 69 stock positions worth $169.6 million. Its top holding was Dimensional Core Fixed (DFCF) at 15.1% of the portfolio, followed by Dimensional US Core Equity 2 (DFAC, 12.5%) and Dimensional Short Duration (DFSD, 7.2%). Compared with Q1 2024, it opened 2 new positions, sold out of 2, added to 33 and reduced 25. The biggest buy was Dimensional Core Fixed (DFCF, shares +32%) and the biggest sale Vanguard Mrngstar GR ETF-Sui (VUG, shares −61%).
- Most Recent 13F
- Q2 2026
- Location
- ANNAPOLIS, MD
- CIK
- 0001963347
- Portfolio Value
- $169.6M (Q2 2024)
- SEC Filing
- 0001085146-24-003131 ↗ filed Jul 22, 2024
Holdings Value
Holdings 69 stocks · $169.6M
| DFCF Dimensional Core Fixed Inc. | 15.10% | 616,426 | $25.6M | Add +32.4% |
| DFAC Dimensional US Core Equity 2 | 12.46% | 655,673 | $21.1M | Add +25.0% |
| DFSD Dimensional Short Duration | 7.19% | 259,416 | $12.2M | Add +6.7% |
| DFIC Dimensional International Co. | 6.33% | 408,510 | $10.7M | Add +15.6% |
| IVV iShares Core S&P 500 ETF | 5.87% | 18,194 | $10.0M | Add +0.6% |
| IUSB Ishr CR Unvrse Usd BD ETF-Ui | 4.78% | 179,262 | $8.1M | Add +44.2% |
| DFSV Dimensional US Small Cap Val | 4.73% | 278,491 | $8.0M | Add +15.2% |
| DUHP Dimensional US High Profi Et | 4.48% | 237,264 | $7.6M | Add +25.4% |
| VUG Vanguard Mrngstar GR ETF-Sui | 2.04% | 9,228 | $3.5M | Reduce -60.6% |
| AAPL Apple Inc. | 1.90% | 15,270 | $3.2M | No change |
| IVW iShares S&P 500 Growth ETF | 1.80% | 32,955 | $3.0M | Add +81.7% |
| QUAL iShares MSCI USA Quality Fac | 1.65% | 16,347 | $2.8M | Add +15.8% |
| DFAE Dimensional Emerging Core Eq | 1.58% | 103,622 | $2.7M | Add +1.4% |
| DFEM Dimensional Emrg MRKT Core | 1.58% | 100,243 | $2.7M | Add +107.3% |
| DFAU Dimensional US Core Equity M | 1.47% | 66,415 | $2.5M | Reduce -0.7% |
| EFG iShares MSCI Eafe Growth ETF | 1.45% | 24,031 | $2.5M | Add +26.2% |
| DYNF Ishrs US E F R A ETF-Usd Inc. | 1.43% | 51,572 | $2.4M | Add +34.1% |
| VTV Vanguard Mrngstr Val ETF-Aui | 1.40% | 14,674 | $2.4M | Reduce -65.4% |
| DFAR Dimensional US Real Est ETF | 1.28% | 98,604 | $2.2M | Add +45.6% |
| EFV iShares MSCI Eafe Value ETF | 1.17% | 37,485 | $2.0M | Reduce -31.1% |
| BSV Vanguard Short-Term Bond ETF | 1.03% | 22,824 | $1.8M | Reduce -0.4% |
| VTEB Vanguard Tax-Exempt Bond ETF | 1.02% | 34,688 | $1.7M | Add +0.3% |
| VEA Vanguard Ftse Developed ETF | 0.96% | 32,937 | $1.6M | Add +4.5% |
| MUB iShares National Muni Bond E | 0.91% | 14,529 | $1.5M | Add +51.7% |
| MRSH Marsh & McLennan Cos | 0.86% | 6,905 | $1.5M | No change |
| IVE iShares S&P 500 Value ETF | 0.82% | 7,670 | $1.4M | Reduce -4.2% |
| IYW iShares Ustechnology ETF | 0.75% | 8,436 | $1.3M | Add +11.6% |
| MBB iShares MBS ETF | 0.71% | 13,075 | $1.2M | Add +15.2% |
| DISV Dimensional International SM | 0.70% | 43,870 | $1.2M | Reduce -48.0% |
| EMXC iShares MSCI Emr MRK Ex Chna | 0.62% | 17,680 | $1.0M | Add +17.3% |
| ESGU iShares ESG Aware MSCI USA | 0.62% | 8,768 | $1.0M | Reduce -22.6% |
| OEF iShares S&P 100 ETF | 0.61% | 3,931 | $1.0M | Reduce -1.2% |
| IEMG iShares Core MSCI Emerging | 0.54% | 17,034 | $912K | Add +62.4% |
| DIHP Dimensional International Hi | 0.53% | 34,447 | $907K | Reduce -56.8% |
| IAGG iShares Intl Aggregate Bond | 0.47% | 16,124 | $805K | Reduce -74.3% |
| BND Vanguard Total Bond Market | 0.45% | 10,504 | $757K | Add +18.6% |
| VV Vngrd Mrgstr LRG-Cap ETF-Usd | 0.44% | 3,010 | $754K | No change |
| TLT iShares 20+ Year Treasury BD | 0.44% | 8,117 | $745K | Add +8.5% |
| IEFA iShares Core MSCI Eafe ETF | 0.40% | 9,421 | $684K | No change |
| SUB iShares Short-Term National | 0.38% | 6,203 | $649K | Add +0.6% |
| VTI VG Morningstar TS MKT ETF-US | 0.37% | 2,341 | $629K | Reduce -5.3% |
| VTES Vanguard SH Term Tax-Ex Bond | 0.36% | 6,182 | $619K | Add +4.0% |
| DCOR Dimensional US Core Eq 1 ETF | 0.35% | 10,082 | $600K | No change |
| DFAI Dimensional International Co. | 0.34% | 19,248 | $571K | Add +12.7% |
| DFEV Dimensional Emrg MRKT Val | 0.32% | 19,942 | $548K | Reduce -49.7% |
| QQQ Invesco QQQ Trust Series 1 | 0.31% | 1,083 | $520K | New |
| DEHP Dimensional Emrg MRK Hi Prof | 0.30% | 19,571 | $509K | Reduce -55.8% |
| AVUV Avantis US Small Cap Value | 0.27% | 5,120 | $459K | No change |
| VWO Vanguard Ftse Emerging Marke | 0.26% | 10,244 | $448K | Reduce -12.4% |
| DFGX Dimsnl Intr CF in ETF-Usd Inc. | 0.26% | 8,450 | $444K | Reduce -14.0% |
| CSX CSX Corp. | 0.26% | 13,184 | $441K | No change |
| PG The Procter & Gamble Co. | 0.25% | 2,621 | $432K | No change |
| BINC iShares Flex I A ETF-Usd Inc. | 0.25% | 8,268 | $432K | Add +21.9% |
| SCHZ Schwab US Aggregate Bond ETF | 0.25% | 9,203 | $419K | Add +1.0% |
| HEFA Isha Curr Hedged MSCI Eafe | 0.24% | 11,626 | $413K | Reduce -10.8% |
| VMBS Vanguard Mortgage-Backed Sec | 0.24% | 8,927 | $405K | Reduce -75.3% |
| BLV Vanguard Long-Term Bond ETF | 0.24% | 5,727 | $403K | Reduce -75.5% |
| DFNM Dimensional National Muni BD | 0.23% | 8,242 | $394K | Add +1.1% |
| MSFT Microsoft Corp. | 0.22% | 824 | $368K | Add +57.5% |
| DFLV Dim US Large Cap Value ETF | 0.20% | 11,594 | $335K | Reduce -5.1% |
| VGT Vanguard Info Tech ETF | 0.20% | 574 | $332K | Reduce -0.7% |
| LCTU iShares U.S. Carbon Transiti | 0.19% | 5,550 | $330K | Add +1.9% |
| BNDX Vanguard Total Intl Bond ETF | 0.19% | 6,744 | $328K | Reduce -17.1% |
| SPYM Ste STR SPDR PT S&P 500 ETF | 0.19% | 4,976 | $318K | New |
| HON Honeywell International Inc. | 0.19% | 1,485 | $317K | No change |
| IFRA iShares US Infrastructure | 0.18% | 7,108 | $299K | Add +11.1% |
| IEV iShares Europe ETF | 0.14% | 4,191 | $229K | Reduce -13.7% |
| XOM Exxon Mobil Corp. | 0.12% | 1,831 | $211K | Reduce -4.6% |
| IVLU iShares MSCI International V | 0.12% | 7,592 | $208K | Reduce -18.4% |
Portfolio Sells Q1 2024 → Q2 2024
| VUG Vanguard Mrngstar GR ETF-Sui | Reduce -60.6% | 2.04% | −2.93 |
| VTV Vanguard Mrngstr Val ETF-Aui | Reduce -65.4% | 1.40% | −2.86 |
| IAGG iShares Intl Aggregate Bond | Reduce -74.3% | 0.47% | −1.45 |
| BLV Vanguard Long-Term Bond ETF | Reduce -75.5% | 0.24% | −0.80 |
| DIHP Dimensional International Hi | Reduce -56.8% | 0.53% | −0.79 |
| VMBS Vanguard Mortgage-Backed Sec | Reduce -75.3% | 0.24% | −0.78 |
| DISV Dimensional International SM | Reduce -48.0% | 0.70% | −0.72 |
| EFV iShares MSCI Eafe Value ETF | Reduce -31.1% | 1.17% | −0.65 |
| DEHP Dimensional Emrg MRK Hi Prof | Reduce -55.8% | 0.30% | −0.38 |
| DFEV Dimensional Emrg MRKT Val | Reduce -49.7% | 0.32% | −0.31 |
| IXC iShares Global Energy ETF | Sold out | 0.00% | −0.18 |
| ESGU iShares ESG Aware MSCI USA | Reduce -22.6% | 0.62% | −0.18 |
| VB Vanguard Most SM-Cap ETF-Usd | Sold out | 0.00% | −0.12 |
| IVE iShares S&P 500 Value ETF | Reduce -4.2% | 0.82% | −0.10 |
| DFGX Dimsnl Intr CF in ETF-Usd Inc. | Reduce -14.0% | 0.26% | −0.06 |
| BNDX Vanguard Total Intl Bond ETF | Reduce -17.1% | 0.19% | −0.05 |
| BSV Vanguard Short-Term Bond ETF | Reduce -0.4% | 1.03% | −0.05 |
| IVLU iShares MSCI International V | Reduce -18.4% | 0.12% | −0.04 |
| DFAU Dimensional US Core Equity M | Reduce -0.7% | 1.47% | −0.04 |
| VWO Vanguard Ftse Emerging Marke | Reduce -12.4% | 0.26% | −0.04 |
| HEFA Isha Curr Hedged MSCI Eafe | Reduce -10.8% | 0.24% | −0.04 |
| IEV iShares Europe ETF | Reduce -13.7% | 0.14% | −0.03 |
| DFLV Dim US Large Cap Value ETF | Reduce -5.1% | 0.20% | −0.03 |
| VTI VG Morningstar TS MKT ETF-US | Reduce -5.3% | 0.37% | −0.02 |
| XOM Exxon Mobil Corp. | Reduce -4.6% | 0.12% | −0.01 |
| OEF iShares S&P 100 ETF | Reduce -1.2% | 0.61% | +0.01 |
| VGT Vanguard Info Tech ETF | Reduce -0.7% | 0.20% | +0.01 |
Portfolio Buys Q1 2024 → Q2 2024
| DFCF Dimensional Core Fixed Inc. | Add +32.4% | 15.10% | +3.08 |
| DFAC Dimensional US Core Equity 2 | Add +25.0% | 12.46% | +2.15 |
| IUSB Ishr CR Unvrse Usd BD ETF-Ui | Add +44.2% | 4.78% | +1.29 |
| IVW iShares S&P 500 Growth ETF | Add +81.7% | 1.80% | +0.86 |
| DFEM Dimensional Emrg MRKT Core | Add +107.3% | 1.58% | +0.82 |
| DUHP Dimensional US High Profi Et | Add +25.4% | 4.48% | +0.80 |
| DFIC Dimensional International Co. | Add +15.6% | 6.33% | +0.52 |
| DYNF Ishrs US E F R A ETF-Usd Inc. | Add +34.1% | 1.43% | +0.38 |
| DFAR Dimensional US Real Est ETF | Add +45.6% | 1.28% | +0.35 |
| QQQ Invesco QQQ Trust Series 1 | New | 0.31% | +0.31 |
| MUB iShares National Muni Bond E | Add +51.7% | 0.91% | +0.28 |
| DFSV Dimensional US Small Cap Val | Add +15.2% | 4.73% | +0.25 |
| EFG iShares MSCI Eafe Growth ETF | Add +26.2% | 1.45% | +0.23 |
| QUAL iShares MSCI USA Quality Fac | Add +15.8% | 1.65% | +0.22 |
| IEMG iShares Core MSCI Emerging | Add +62.4% | 0.54% | +0.20 |
| SPYM Ste STR SPDR PT S&P 500 ETF | New | 0.19% | +0.19 |
| DFSD Dimensional Short Duration | Add +6.7% | 7.19% | +0.15 |
| IYW iShares Ustechnology ETF | Add +11.6% | 0.75% | +0.12 |
| EMXC iShares MSCI Emr MRK Ex Chna | Add +17.3% | 0.62% | +0.08 |
| MSFT Microsoft Corp. | Add +57.5% | 0.22% | +0.08 |
| MBB iShares MBS ETF | Add +15.2% | 0.71% | +0.06 |
| BND Vanguard Total Bond Market | Add +18.6% | 0.45% | +0.05 |
| BINC iShares Flex I A ETF-Usd Inc. | Add +21.9% | 0.25% | +0.04 |
| DFAE Dimensional Emerging Core Eq | Add +1.4% | 1.58% | +0.03 |
| DFAI Dimensional International Co. | Add +12.7% | 0.34% | +0.02 |
| IVV iShares Core S&P 500 ETF | Add +0.6% | 5.87% | +0.02 |
| IFRA iShares US Infrastructure | Add +11.1% | 0.18% | +0.01 |
| TLT iShares 20+ Year Treasury BD | Add +8.5% | 0.44% | +0.00 |
| LCTU iShares U.S. Carbon Transiti | Add +1.9% | 0.19% | +0.00 |
| VTES Vanguard SH Term Tax-Ex Bond | Add +4.0% | 0.36% | −0.00 |
| DFNM Dimensional National Muni BD | Add +1.1% | 0.23% | −0.01 |
| SCHZ Schwab US Aggregate Bond ETF | Add +1.0% | 0.25% | −0.01 |
| VEA Vanguard Ftse Developed ETF | Add +4.5% | 0.96% | −0.01 |
| SUB iShares Short-Term National | Add +0.6% | 0.38% | −0.01 |
| VTEB Vanguard Tax-Exempt Bond ETF | Add +0.3% | 1.02% | −0.05 |
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 |