RCS Financial Planning, LLC
In its 13F for Q4 2024 (holdings as of December 31, 2024, filed January 23, 2025), RCS Financial Planning, LLC reported 77 stock positions worth $187.9 million. Its top holding was Dimensional US Core Equity 2 (DFAC) at 13.2% of the portfolio, followed by Dimensional Core Fixed (DFCF, 8.9%) and Fidelity Total Bond ETF (FBND, 6.8%). Compared with Q3 2024, it opened 10 new positions, sold out of 1, added to 31 and reduced 34. The biggest buy was a new position in Fidelity Total Bond ETF (FBND) and the biggest sale Dimensional Core Fixed (DFCF, shares −38%).
- Most Recent 13F
- Q2 2026
- Location
- ANNAPOLIS, MD
- CIK
- 0001963347
- Portfolio Value
- $187.9M (Q4 2024)
- SEC Filing
- 0001085146-25-000421 ↗ filed Jan 23, 2025
Holdings Value
Holdings 77 stocks · $187.9M
| DFAC Dimensional US Core Equity 2 | 13.16% | 714,780 | $24.7M | Add +6.0% |
| DFCF Dimensional Core Fixed Inc. | 8.93% | 406,482 | $16.8M | Reduce -37.8% |
| FBND Fidelity Total Bond ETF | 6.83% | 284,743 | $12.8M | New |
| DFIC Dimensional International Co. | 5.61% | 407,910 | $10.5M | Reduce -1.4% |
| IVV iShares Core S&P 500 ETF | 5.29% | 16,881 | $9.9M | Reduce -0.1% |
| DFSV Dimensional US Small Cap Val | 4.81% | 293,404 | $9.0M | Add +4.7% |
| DFSD Dimensional Short Duration | 4.54% | 182,168 | $8.5M | Reduce -30.3% |
| DUHP Dimensional US High Profi Et | 4.43% | 246,518 | $8.3M | Add +3.0% |
| IUSB Ishr CR Unvrse Usd BD ETF-Ui | 3.71% | 154,415 | $7.0M | Reduce -22.6% |
| FLDR Fidelity Low Durat Fact ETF | 2.59% | 97,051 | $4.9M | New |
| AAPL Apple Inc. | 2.02% | 15,143 | $3.8M | Add +0.2% |
| QUAL iShares MSCI USA Quality Fac | 1.90% | 20,043 | $3.6M | Add +19.1% |
| VTEB Vanguard Tax-Exempt Bond ETF | 1.80% | 67,385 | $3.4M | Add +86.5% |
| IVW iShares S&P 500 Growth ETF | 1.71% | 31,700 | $3.2M | Add +2.0% |
| VUG Vanguard Mrngstar GR ETF-Sui | 1.70% | 7,786 | $3.2M | Reduce -7.2% |
| DFEM Dimensional Emrg MRKT Core | 1.65% | 118,271 | $3.1M | Add +15.6% |
| EFV iShares MSCI Eafe Value ETF | 1.47% | 52,604 | $2.8M | Reduce -8.9% |
| MUB iShares National Muni Bond E | 1.45% | 25,620 | $2.7M | Add +86.9% |
| DYNF Ishrs US E F R A ETF-Usd Inc. | 1.45% | 53,197 | $2.7M | Reduce -0.3% |
| EFG iShares MSCI Eafe Growth ETF | 1.37% | 26,649 | $2.6M | Add +19.7% |
| DFAU Dimensional US Core Equity M | 1.32% | 61,309 | $2.5M | Reduce -3.9% |
| DFAE Dimensional Emerging Core Eq | 1.28% | 94,803 | $2.4M | Reduce -8.8% |
| AVDV Avantis Intl S/C Value ETF | 1.17% | 33,728 | $2.2M | New |
| VTV Vanguard Mrngstr Val ETF-Aui | 1.00% | 11,064 | $1.9M | Reduce -14.7% |
| DFAR Dimensional US Real Est ETF | 0.98% | 79,079 | $1.8M | Reduce -19.4% |
| VEA Vanguard Ftse Developed ETF | 0.89% | 35,021 | $1.7M | Add +9.4% |
| VTI VG Morningstar TS MKT ETF-US | 0.88% | 5,717 | $1.7M | Add +149.7% |
| MRSH Marsh & McLennan Cos | 0.78% | 6,904 | $1.5M | No change |
| IVE iShares S&P 500 Value ETF | 0.77% | 7,612 | $1.5M | Reduce -2.7% |
| BSV Vanguard Short-Term Bond ETF | 0.73% | 17,735 | $1.4M | Reduce -22.5% |
| EMXC iShares MSCI Emr MRK Ex Chna | 0.71% | 24,083 | $1.3M | Add +6.8% |
| IYW iShares Ustechnology ETF | 0.66% | 7,773 | $1.2M | Reduce -1.7% |
| MBB iShares MBS ETF | 0.62% | 12,630 | $1.2M | Reduce -5.5% |
| DISV Dimensional International SM | 0.61% | 43,356 | $1.2M | Add +0.2% |
| OEF iShares S&P 100 ETF | 0.61% | 3,938 | $1.1M | Add +4.7% |
| ESGU iShares ESG Aware MSCI USA | 0.54% | 7,891 | $1.0M | Reduce -6.8% |
| DGCB Dimensional Global Credit | 0.46% | 16,543 | $870K | New |
| SUB iShares Short-Term National | 0.46% | 8,214 | $866K | Add +21.1% |
| VTES Vanguard SH Term Tax-Ex Bond | 0.40% | 7,486 | $750K | Add +7.1% |
| VV Vngrd Mrgstr LRG-Cap ETF-Usd | 0.40% | 2,781 | $750K | Reduce -7.6% |
| DIHP Dimensional International Hi | 0.37% | 27,685 | $699K | Reduce -19.1% |
| MTUM iShares MSCI USA Momentum Fa | 0.37% | 3,328 | $689K | New |
| IEFA iShares Core MSCI Eafe ETF | 0.35% | 9,421 | $662K | Reduce -0.0% |
| DCOR Dimensional US Core Eq 1 ETF | 0.35% | 10,252 | $658K | Add +1.7% |
| BINC iShares Flex I A ETF-Usd Inc. | 0.34% | 12,429 | $647K | Reduce -1.8% |
| SCHZ Schwab US Aggregate Bond ETF | 0.34% | 28,231 | $641K | Add +61.3% |
| TLT iShares 20+ Year Treasury BD | 0.31% | 6,733 | $588K | Add +0.4% |
| BNDX Vanguard Total Intl Bond ETF | 0.31% | 11,981 | $588K | Add +74.9% |
| AVUV Avantis US Small Cap Value | 0.31% | 6,045 | $584K | Add +41.5% |
| QQQ Invesco QQQ Trust Series 1 | 0.30% | 1,092 | $558K | Add +2.8% |
| IEMG iShares Core MSCI Emerging | 0.30% | 10,668 | $557K | Reduce -2.1% |
| BND Vanguard Total Bond Market | 0.27% | 6,989 | $503K | Reduce -33.5% |
| VGT Vanguard Info Tech ETF | 0.26% | 790 | $491K | Add +37.6% |
| DEHP Dimensional Emrg MRK Hi Prof | 0.25% | 19,273 | $477K | Add +0.5% |
| DFEV Dimensional Emrg MRKT Val | 0.25% | 18,122 | $475K | Reduce -7.7% |
| VWO Vanguard Ftse Emerging Marke | 0.25% | 10,536 | $464K | Add +3.5% |
| PG The Procter & Gamble Co. | 0.23% | 2,548 | $427K | Reduce -2.8% |
| CSX CSX Corp. | 0.23% | 13,192 | $426K | Add +0.1% |
| DFNM Dimensional National Muni BD | 0.22% | 8,768 | $419K | Add +1.4% |
| DFAI Dimensional International Co. | 0.22% | 13,943 | $407K | Reduce -20.3% |
| DFGX Dimsnl Intr CF in ETF-Usd Inc. | 0.20% | 7,365 | $385K | Add +5.0% |
| MSFT Microsoft Corp. | 0.19% | 832 | $351K | Add +1.3% |
| DFLV Dim US Large Cap Value ETF | 0.18% | 11,419 | $343K | Reduce -2.0% |
| IFRA iShares US Infrastructure | 0.17% | 6,977 | $323K | Reduce -4.4% |
| LCTU iShares U.S. Carbon Transiti | 0.17% | 4,996 | $320K | Reduce -1.5% |
| IAGG iShares Intl Aggregate Bond | 0.16% | 5,894 | $294K | Reduce -1.0% |
| HON Honeywell International Inc. | 0.14% | 1,200 | $271K | No change |
| IAU iShares Gold Trust | 0.14% | 5,374 | $266K | New |
| ITOT iShares Core S&P Total U.S. | 0.14% | 2,035 | $262K | Reduce -38.8% |
| VB Vanguard Most SM-Cap ETF-Usd | 0.14% | 1,088 | $261K | Add +22.0% |
| DFGP Dimensional GLBL Core PL Fix | 0.14% | 4,820 | $255K | New |
| BIV Vanguard Intermediate-Term B | 0.13% | 3,304 | $247K | New |
| IEV iShares Europe ETF | 0.13% | 4,730 | $246K | Reduce -7.3% |
| IVLU iShares MSCI International V | 0.12% | 8,630 | $234K | Reduce -5.7% |
| TLH iShares 10-20 Year Treasury | 0.12% | 2,241 | $223K | New |
| SPYM Ste STR SPDR PT S&P 500 ETF | 0.11% | 2,916 | $201K | Reduce -28.7% |
| SCHF Schwab Intl Equity ETF | 0.10% | 10,018 | $185K | New |
Portfolio Sells Q3 2024 → Q4 2024
| DFCF Dimensional Core Fixed Inc. | Reduce -37.8% | 8.93% | −6.74 |
| DFSD Dimensional Short Duration | Reduce -30.3% | 4.54% | −2.39 |
| IUSB Ishr CR Unvrse Usd BD ETF-Ui | Reduce -22.6% | 3.71% | −1.51 |
| DFIC Dimensional International Co. | Reduce -1.4% | 5.61% | −0.85 |
| DFAR Dimensional US Real Est ETF | Reduce -19.4% | 0.98% | −0.42 |
| EFV iShares MSCI Eafe Value ETF | Reduce -8.9% | 1.47% | −0.38 |
| DFAE Dimensional Emerging Core Eq | Reduce -8.8% | 1.28% | −0.30 |
| BSV Vanguard Short-Term Bond ETF | Reduce -22.5% | 0.73% | −0.27 |
| VTV Vanguard Mrngstr Val ETF-Aui | Reduce -14.7% | 1.00% | −0.26 |
| BND Vanguard Total Bond Market | Reduce -33.5% | 0.27% | −0.17 |
| DIHP Dimensional International Hi | Reduce -19.1% | 0.37% | −0.15 |
| IVV iShares Core S&P 500 ETF | Reduce -0.1% | 5.29% | −0.12 |
| XOM Exxon Mobil Corp. | Sold out | 0.00% | −0.12 |
| MBB iShares MBS ETF | Reduce -5.5% | 0.62% | −0.10 |
| ITOT iShares Core S&P Total U.S. | Reduce -38.8% | 0.14% | −0.09 |
| DFAI Dimensional International Co. | Reduce -20.3% | 0.22% | −0.09 |
| VUG Vanguard Mrngstar GR ETF-Sui | Reduce -7.2% | 1.70% | −0.09 |
| DFAU Dimensional US Core Equity M | Reduce -3.9% | 1.32% | −0.08 |
| IVE iShares S&P 500 Value ETF | Reduce -2.7% | 0.77% | −0.08 |
| DFEV Dimensional Emrg MRKT Val | Reduce -7.7% | 0.25% | −0.06 |
| IEFA iShares Core MSCI Eafe ETF | Reduce -0.0% | 0.35% | −0.06 |
| ESGU iShares ESG Aware MSCI USA | Reduce -6.8% | 0.54% | −0.05 |
| IEMG iShares Core MSCI Emerging | Reduce -2.1% | 0.30% | −0.05 |
| SPYM Ste STR SPDR PT S&P 500 ETF | Reduce -28.7% | 0.11% | −0.05 |
| VV Vngrd Mrgstr LRG-Cap ETF-Usd | Reduce -7.6% | 0.40% | −0.04 |
| IEV iShares Europe ETF | Reduce -7.3% | 0.13% | −0.03 |
| BINC iShares Flex I A ETF-Usd Inc. | Reduce -1.8% | 0.34% | −0.03 |
| IVLU iShares MSCI International V | Reduce -5.7% | 0.12% | −0.03 |
| PG The Procter & Gamble Co. | Reduce -2.8% | 0.23% | −0.02 |
| IFRA iShares US Infrastructure | Reduce -4.4% | 0.17% | −0.02 |
| DFLV Dim US Large Cap Value ETF | Reduce -2.0% | 0.18% | −0.02 |
| DYNF Ishrs US E F R A ETF-Usd Inc. | Reduce -0.3% | 1.45% | −0.02 |
| IAGG iShares Intl Aggregate Bond | Reduce -1.0% | 0.16% | −0.01 |
| LCTU iShares U.S. Carbon Transiti | Reduce -1.5% | 0.17% | −0.01 |
| IYW iShares Ustechnology ETF | Reduce -1.7% | 0.66% | −0.01 |
Portfolio Buys Q3 2024 → Q4 2024
| FBND Fidelity Total Bond ETF | New | 6.83% | +6.83 |
| FLDR Fidelity Low Durat Fact ETF | New | 2.59% | +2.59 |
| AVDV Avantis Intl S/C Value ETF | New | 1.17% | +1.17 |
| VTEB Vanguard Tax-Exempt Bond ETF | Add +86.5% | 1.80% | +0.77 |
| MUB iShares National Muni Bond E | Add +86.9% | 1.45% | +0.63 |
| VTI VG Morningstar TS MKT ETF-US | Add +149.7% | 0.88% | +0.52 |
| DGCB Dimensional Global Credit | New | 0.46% | +0.46 |
| MTUM iShares MSCI USA Momentum Fa | New | 0.37% | +0.37 |
| DFAC Dimensional US Core Equity 2 | Add +6.0% | 13.16% | +0.32 |
| QUAL iShares MSCI USA Quality Fac | Add +19.1% | 1.90% | +0.22 |
| IAU iShares Gold Trust | New | 0.14% | +0.14 |
| DFGP Dimensional GLBL Core PL Fix | New | 0.14% | +0.14 |
| BIV Vanguard Intermediate-Term B | New | 0.13% | +0.13 |
| BNDX Vanguard Total Intl Bond ETF | Add +74.9% | 0.31% | +0.12 |
| TLH iShares 10-20 Year Treasury | New | 0.12% | +0.12 |
| SCHZ Schwab US Aggregate Bond ETF | Add +61.3% | 0.34% | +0.11 |
| SCHF Schwab Intl Equity ETF | New | 0.10% | +0.10 |
| AVUV Avantis US Small Cap Value | Add +41.5% | 0.31% | +0.08 |
| VGT Vanguard Info Tech ETF | Add +37.6% | 0.26% | +0.07 |
| AAPL Apple Inc. | Add +0.2% | 2.02% | +0.06 |
| SUB iShares Short-Term National | Add +21.1% | 0.46% | +0.06 |
| IVW iShares S&P 500 Growth ETF | Add +2.0% | 1.71% | +0.06 |
| DFEM Dimensional Emrg MRKT Core | Add +15.6% | 1.65% | +0.05 |
| EFG iShares MSCI Eafe Growth ETF | Add +19.7% | 1.37% | +0.04 |
| OEF iShares S&P 100 ETF | Add +4.7% | 0.61% | +0.03 |
| VB Vanguard Most SM-Cap ETF-Usd | Add +22.0% | 0.14% | +0.02 |
| DFSV Dimensional US Small Cap Val | Add +4.7% | 4.81% | +0.01 |
| QQQ Invesco QQQ Trust Series 1 | Add +2.8% | 0.30% | +0.01 |
| VTES Vanguard SH Term Tax-Ex Bond | Add +7.1% | 0.40% | +0.01 |
| DCOR Dimensional US Core Eq 1 ETF | Add +1.7% | 0.35% | −0.00 |
| DFGX Dimsnl Intr CF in ETF-Usd Inc. | Add +5.0% | 0.20% | −0.01 |
| MSFT Microsoft Corp. | Add +1.3% | 0.19% | −0.01 |
| DFNM Dimensional National Muni BD | Add +1.4% | 0.22% | −0.01 |
| VWO Vanguard Ftse Emerging Marke | Add +3.5% | 0.25% | −0.02 |
| CSX CSX Corp. | Add +0.1% | 0.23% | −0.03 |
| DEHP Dimensional Emrg MRK Hi Prof | Add +0.5% | 0.25% | −0.03 |
| VEA Vanguard Ftse Developed ETF | Add +9.4% | 0.89% | −0.05 |
| TLT iShares 20+ Year Treasury BD | Add +0.4% | 0.31% | −0.05 |
| EMXC iShares MSCI Emr MRK Ex Chna | Add +6.8% | 0.71% | −0.05 |
| DISV Dimensional International SM | Add +0.2% | 0.61% | −0.09 |
| DUHP Dimensional US High Profi Et | Add +3.0% | 4.43% | −0.09 |
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 |