RCS Financial Planning, LLC
In its 13F for Q3 2024 (holdings as of September 30, 2024, filed October 22, 2024), RCS Financial Planning, LLC reported 68 stock positions worth $180.1 million. Its top holding was Dimensional Core Fixed (DFCF) at 15.7% of the portfolio, followed by Dimensional US Core Equity 2 (DFAC, 12.8%) and Dimensional Short Duration (DFSD, 6.9%). Compared with Q2 2024, it opened 2 new positions, sold out of 3, added to 28 and reduced 33. The biggest buy was iShares MSCI Eafe Value ETF (EFV, shares +54%) and the biggest sale iShares Core S&P 500 ETF (IVV, shares −7%).
- Most Recent 13F
- Q2 2026
- Location
- ANNAPOLIS, MD
- CIK
- 0001963347
- Portfolio Value
- $180.1M (Q3 2024)
- SEC Filing
- 0001085146-24-005060 ↗ filed Oct 22, 2024
Holdings Value
Holdings 68 stocks · $180.1M
| DFCF Dimensional Core Fixed Inc. | 15.67% | 653,357 | $28.2M | Add +6.0% |
| DFAC Dimensional US Core Equity 2 | 12.84% | 674,210 | $23.1M | Add +2.8% |
| DFSD Dimensional Short Duration | 6.93% | 261,427 | $12.5M | Add +0.8% |
| DFIC Dimensional International Co. | 6.46% | 413,595 | $11.6M | Add +1.2% |
| IVV iShares Core S&P 500 ETF | 5.41% | 16,889 | $9.7M | Reduce -7.2% |
| IUSB Ishr CR Unvrse Usd BD ETF-Ui | 5.22% | 199,608 | $9.4M | Add +11.3% |
| DFSV Dimensional US Small Cap Val | 4.79% | 280,231 | $8.6M | Add +0.6% |
| DUHP Dimensional US High Profi Et | 4.53% | 239,257 | $8.2M | Add +0.8% |
| AAPL Apple Inc. | 1.95% | 15,108 | $3.5M | Reduce -1.1% |
| EFV iShares MSCI Eafe Value ETF | 1.84% | 57,739 | $3.3M | Add +54.0% |
| VUG Vanguard Mrngstar GR ETF-Sui | 1.79% | 8,393 | $3.2M | Reduce -9.1% |
| QUAL iShares MSCI USA Quality Fac | 1.68% | 16,825 | $3.0M | Add +2.9% |
| IVW iShares S&P 500 Growth ETF | 1.65% | 31,086 | $3.0M | Reduce -5.7% |
| DFEM Dimensional Emrg MRKT Core | 1.60% | 102,280 | $2.9M | Add +2.0% |
| DFAE Dimensional Emerging Core Eq | 1.58% | 103,988 | $2.9M | Add +0.3% |
| DYNF Ishrs US E F R A ETF-Usd Inc. | 1.47% | 53,381 | $2.6M | Add +3.5% |
| DFAU Dimensional US Core Equity M | 1.41% | 63,781 | $2.5M | Reduce -4.0% |
| DFAR Dimensional US Real Est ETF | 1.40% | 98,142 | $2.5M | Reduce -0.5% |
| EFG iShares MSCI Eafe Growth ETF | 1.33% | 22,269 | $2.4M | Reduce -7.3% |
| VTV Vanguard Mrngstr Val ETF-Aui | 1.26% | 12,966 | $2.3M | Reduce -11.6% |
| VTEB Vanguard Tax-Exempt Bond ETF | 1.03% | 36,142 | $1.8M | Add +4.2% |
| BSV Vanguard Short-Term Bond ETF | 1.00% | 22,875 | $1.8M | Add +0.2% |
| VEA Vanguard Ftse Developed ETF | 0.94% | 32,023 | $1.7M | Reduce -2.8% |
| IVE iShares S&P 500 Value ETF | 0.86% | 7,826 | $1.5M | Add +2.0% |
| MRSH Marsh & McLennan Cos | 0.86% | 6,904 | $1.5M | Reduce -0.0% |
| MUB iShares National Muni Bond E | 0.83% | 13,711 | $1.5M | Reduce -5.6% |
| EMXC iShares MSCI Emr MRK Ex Chna | 0.77% | 22,543 | $1.4M | Add +27.5% |
| MBB iShares MBS ETF | 0.71% | 13,370 | $1.3M | Add +2.3% |
| DISV Dimensional International SM | 0.70% | 43,255 | $1.3M | Reduce -1.4% |
| IYW iShares Ustechnology ETF | 0.67% | 7,905 | $1.2M | Reduce -6.3% |
| ESGU iShares ESG Aware MSCI USA | 0.59% | 8,465 | $1.1M | Reduce -3.5% |
| OEF iShares S&P 100 ETF | 0.58% | 3,761 | $1.0M | Reduce -4.3% |
| DIHP Dimensional International Hi | 0.53% | 34,223 | $948K | Reduce -0.7% |
| VV Vngrd Mrgstr LRG-Cap ETF-Usd | 0.44% | 3,010 | $795K | No change |
| BND Vanguard Total Bond Market | 0.44% | 10,513 | $790K | Add +0.1% |
| IEFA iShares Core MSCI Eafe ETF | 0.41% | 9,422 | $735K | Add +0.0% |
| SUB iShares Short-Term National | 0.40% | 6,784 | $720K | Add +9.4% |
| VTES Vanguard SH Term Tax-Ex Bond | 0.39% | 6,990 | $709K | Add +13.1% |
| BINC iShares Flex I A ETF-Usd Inc. | 0.38% | 12,662 | $678K | Add +53.1% |
| TLT iShares 20+ Year Treasury BD | 0.37% | 6,707 | $658K | Reduce -17.4% |
| VTI VG Morningstar TS MKT ETF-US | 0.36% | 2,290 | $650K | Reduce -2.2% |
| DCOR Dimensional US Core Eq 1 ETF | 0.35% | 10,082 | $639K | No change |
| IEMG iShares Core MSCI Emerging | 0.35% | 10,893 | $625K | Reduce -36.0% |
| DFEV Dimensional Emrg MRKT Val | 0.31% | 19,640 | $559K | Reduce -1.5% |
| DFAI Dimensional International Co. | 0.31% | 17,486 | $556K | Reduce -9.2% |
| QQQ Invesco QQQ Trust Series 1 | 0.29% | 1,062 | $518K | Reduce -1.9% |
| DEHP Dimensional Emrg MRK Hi Prof | 0.29% | 19,183 | $515K | Reduce -2.0% |
| VWO Vanguard Ftse Emerging Marke | 0.27% | 10,177 | $487K | Reduce -0.7% |
| CSX CSX Corp. | 0.25% | 13,184 | $455K | No change |
| PG The Procter & Gamble Co. | 0.25% | 2,621 | $454K | No change |
| DFNM Dimensional National Muni BD | 0.23% | 8,651 | $420K | Add +5.0% |
| ITOT iShares Core S&P Total U.S. | 0.23% | 3,323 | $417K | New |
| SCHZ Schwab US Aggregate Bond ETF | 0.23% | 8,751 | $416K | Reduce -4.9% |
| AVUV Avantis US Small Cap Value | 0.23% | 4,272 | $410K | Reduce -16.6% |
| DFGX Dimsnl Intr CF in ETF-Usd Inc. | 0.21% | 7,012 | $379K | Reduce -17.0% |
| DFLV Dim US Large Cap Value ETF | 0.20% | 11,655 | $359K | Add +0.5% |
| MSFT Microsoft Corp. | 0.20% | 821 | $353K | Reduce -0.4% |
| BNDX Vanguard Total Intl Bond ETF | 0.19% | 6,850 | $344K | Add +1.6% |
| IFRA iShares US Infrastructure | 0.19% | 7,300 | $343K | Add +2.7% |
| VGT Vanguard Info Tech ETF | 0.19% | 574 | $337K | No change |
| LCTU iShares U.S. Carbon Transiti | 0.18% | 5,074 | $318K | Reduce -8.6% |
| IAGG iShares Intl Aggregate Bond | 0.17% | 5,952 | $308K | Reduce -63.1% |
| IEV iShares Europe ETF | 0.17% | 5,102 | $297K | Add +21.7% |
| SPYM Ste STR SPDR PT S&P 500 ETF | 0.15% | 4,089 | $276K | Reduce -17.8% |
| IVLU iShares MSCI International V | 0.15% | 9,149 | $270K | Add +20.5% |
| HON Honeywell International Inc. | 0.14% | 1,200 | $248K | Reduce -19.2% |
| XOM Exxon Mobil Corp. | 0.12% | 1,819 | $213K | Reduce -0.7% |
| VB Vanguard Most SM-Cap ETF-Usd | 0.12% | 892 | $212K | New |
Portfolio Sells Q2 2024 → Q3 2024
| IVV iShares Core S&P 500 ETF | Reduce -7.2% | 5.41% | −0.46 |
| IAGG iShares Intl Aggregate Bond | Reduce -63.1% | 0.17% | −0.30 |
| VUG Vanguard Mrngstar GR ETF-Sui | Reduce -9.1% | 1.79% | −0.25 |
| HEFA Isha Curr Hedged MSCI Eafe | Sold out | 0.00% | −0.24 |
| VMBS Vanguard Mortgage-Backed Sec | Sold out | 0.00% | −0.24 |
| BLV Vanguard Long-Term Bond ETF | Sold out | 0.00% | −0.24 |
| IEMG iShares Core MSCI Emerging | Reduce -36.0% | 0.35% | −0.19 |
| IVW iShares S&P 500 Growth ETF | Reduce -5.7% | 1.65% | −0.15 |
| VTV Vanguard Mrngstr Val ETF-Aui | Reduce -11.6% | 1.26% | −0.14 |
| EFG iShares MSCI Eafe Growth ETF | Reduce -7.3% | 1.33% | −0.12 |
| MUB iShares National Muni Bond E | Reduce -5.6% | 0.83% | −0.09 |
| IYW iShares Ustechnology ETF | Reduce -6.3% | 0.67% | −0.08 |
| TLT iShares 20+ Year Treasury BD | Reduce -17.4% | 0.37% | −0.07 |
| DFAU Dimensional US Core Equity M | Reduce -4.0% | 1.41% | −0.06 |
| DFGX Dimsnl Intr CF in ETF-Usd Inc. | Reduce -17.0% | 0.21% | −0.05 |
| HON Honeywell International Inc. | Reduce -19.2% | 0.14% | −0.05 |
| AVUV Avantis US Small Cap Value | Reduce -16.6% | 0.23% | −0.04 |
| OEF iShares S&P 100 ETF | Reduce -4.3% | 0.58% | −0.03 |
| SPYM Ste STR SPDR PT S&P 500 ETF | Reduce -17.8% | 0.15% | −0.03 |
| DFAI Dimensional International Co. | Reduce -9.2% | 0.31% | −0.03 |
| ESGU iShares ESG Aware MSCI USA | Reduce -3.5% | 0.59% | −0.02 |
| MSFT Microsoft Corp. | Reduce -0.4% | 0.20% | −0.02 |
| VEA Vanguard Ftse Developed ETF | Reduce -2.8% | 0.94% | −0.02 |
| QQQ Invesco QQQ Trust Series 1 | Reduce -1.9% | 0.29% | −0.02 |
| LCTU iShares U.S. Carbon Transiti | Reduce -8.6% | 0.18% | −0.02 |
| SCHZ Schwab US Aggregate Bond ETF | Reduce -4.9% | 0.23% | −0.02 |
| DEHP Dimensional Emrg MRK Hi Prof | Reduce -2.0% | 0.29% | −0.01 |
| DFEV Dimensional Emrg MRKT Val | Reduce -1.5% | 0.31% | −0.01 |
| VTI VG Morningstar TS MKT ETF-US | Reduce -2.2% | 0.36% | −0.01 |
| DIHP Dimensional International Hi | Reduce -0.7% | 0.53% | −0.01 |
| XOM Exxon Mobil Corp. | Reduce -0.7% | 0.12% | −0.01 |
| MRSH Marsh & McLennan Cos | Reduce -0.0% | 0.86% | −0.00 |
| DISV Dimensional International SM | Reduce -1.4% | 0.70% | +0.00 |
| VWO Vanguard Ftse Emerging Marke | Reduce -0.7% | 0.27% | +0.01 |
| AAPL Apple Inc. | Reduce -1.1% | 1.95% | +0.06 |
| DFAR Dimensional US Real Est ETF | Reduce -0.5% | 1.40% | +0.11 |
Portfolio Buys Q2 2024 → Q3 2024
| EFV iShares MSCI Eafe Value ETF | Add +54.0% | 1.84% | +0.67 |
| DFCF Dimensional Core Fixed Inc. | Add +6.0% | 15.67% | +0.57 |
| IUSB Ishr CR Unvrse Usd BD ETF-Ui | Add +11.3% | 5.22% | +0.44 |
| DFAC Dimensional US Core Equity 2 | Add +2.8% | 12.84% | +0.37 |
| ITOT iShares Core S&P Total U.S. | New | 0.23% | +0.23 |
| EMXC iShares MSCI Emr MRK Ex Chna | Add +27.5% | 0.77% | +0.15 |
| DFIC Dimensional International Co. | Add +1.2% | 6.46% | +0.13 |
| BINC iShares Flex I A ETF-Usd Inc. | Add +53.1% | 0.38% | +0.12 |
| VB Vanguard Most SM-Cap ETF-Usd | New | 0.12% | +0.12 |
| DFSV Dimensional US Small Cap Val | Add +0.6% | 4.79% | +0.07 |
| DUHP Dimensional US High Profi Et | Add +0.8% | 4.53% | +0.05 |
| DYNF Ishrs US E F R A ETF-Usd Inc. | Add +3.5% | 1.47% | +0.04 |
| IVE iShares S&P 500 Value ETF | Add +2.0% | 0.86% | +0.03 |
| IEV iShares Europe ETF | Add +21.7% | 0.17% | +0.03 |
| QUAL iShares MSCI USA Quality Fac | Add +2.9% | 1.68% | +0.03 |
| VTES Vanguard SH Term Tax-Ex Bond | Add +13.1% | 0.39% | +0.03 |
| IVLU iShares MSCI International V | Add +20.5% | 0.15% | +0.03 |
| DFEM Dimensional Emrg MRKT Core | Add +2.0% | 1.60% | +0.02 |
| SUB iShares Short-Term National | Add +9.4% | 0.40% | +0.02 |
| IFRA iShares US Infrastructure | Add +2.7% | 0.19% | +0.01 |
| IEFA iShares Core MSCI Eafe ETF | Add +0.0% | 0.41% | +0.00 |
| MBB iShares MBS ETF | Add +2.3% | 0.71% | +0.00 |
| DFAE Dimensional Emerging Core Eq | Add +0.3% | 1.58% | +0.00 |
| DFLV Dim US Large Cap Value ETF | Add +0.5% | 0.20% | +0.00 |
| VTEB Vanguard Tax-Exempt Bond ETF | Add +4.2% | 1.03% | +0.00 |
| DFNM Dimensional National Muni BD | Add +5.0% | 0.23% | +0.00 |
| BNDX Vanguard Total Intl Bond ETF | Add +1.6% | 0.19% | −0.00 |
| BND Vanguard Total Bond Market | Add +0.1% | 0.44% | −0.01 |
| BSV Vanguard Short-Term Bond ETF | Add +0.2% | 1.00% | −0.03 |
| DFSD Dimensional Short Duration | Add +0.8% | 6.93% | −0.26 |
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 |