RCS Financial Planning, LLC
In its 13F for Q1 2025 (holdings as of March 31, 2025, filed April 25, 2025), RCS Financial Planning, LLC reported 76 stock positions worth $189.5 million. Its top holding was Dimensional US Core Equity 2 (DFAC) at 12.3% of the portfolio, followed by Dimensional Core Fixed (DFCF, 9.3%) and Fidelity Total Bond ETF (FBND, 7.7%). Compared with Q4 2024, it opened 4 new positions, sold out of 5, added to 32 and reduced 35. The biggest buy was Fidelity Total Bond ETF (FBND, shares +12%) and the biggest sale Dimensional US Core Equity 2 (DFAC, shares −1%).
- Most Recent 13F
- Q2 2026
- Location
- ANNAPOLIS, MD
- CIK
- 0001963347
- Portfolio Value
- $189.5M (Q1 2025)
- SEC Filing
- 0001085146-25-002334 ↗ filed Apr 25, 2025
Holdings Value
Holdings 76 stocks · $189.5M
| DFAC Dimensional US Core Equity 2 | 12.29% | 705,923 | $23.3M | Reduce -1.2% |
| DFCF Dimensional Core Fixed Inc. | 9.26% | 417,246 | $17.5M | Add +2.6% |
| FBND Fidelity Total Bond ETF | 7.72% | 319,207 | $14.6M | Add +12.1% |
| DFIC Dimensional International Co. | 5.84% | 398,154 | $11.1M | Reduce -2.4% |
| IVV iShares Core S&P 500 ETF | 4.78% | 16,110 | $9.1M | Reduce -4.6% |
| DFSD Dimensional Short Duration | 4.64% | 184,827 | $8.8M | Add +1.5% |
| DUHP Dimensional US High Profi Et | 4.50% | 257,514 | $8.5M | Add +4.5% |
| DFSV Dimensional US Small Cap Val | 4.48% | 301,834 | $8.5M | Add +2.9% |
| IUSB Ishr CR Unvrse Usd BD ETF-Ui | 3.22% | 132,378 | $6.1M | Reduce -14.3% |
| FLDR Fidelity Low Durat Fact ETF | 2.66% | 100,126 | $5.0M | Add +3.2% |
| MUB iShares National Muni Bond E | 2.30% | 41,251 | $4.3M | Add +61.0% |
| QUAL iShares MSCI USA Quality Fac | 1.98% | 22,008 | $3.8M | Add +9.8% |
| AAPL Apple Inc. | 1.76% | 14,980 | $3.3M | Reduce -1.1% |
| DFEM Dimensional Emrg MRKT Core | 1.72% | 123,357 | $3.3M | Add +4.3% |
| IVW iShares S&P 500 Growth ETF | 1.62% | 33,114 | $3.1M | Add +4.5% |
| VTEB Vanguard Tax-Exempt Bond ETF | 1.54% | 58,701 | $2.9M | Reduce -12.9% |
| VUG Vanguard Mrngstar GR ETF-Sui | 1.52% | 7,754 | $2.9M | Reduce -0.4% |
| DYNF Ishrs US E F R A ETF-Usd Inc. | 1.48% | 57,593 | $2.8M | Add +8.3% |
| EFV iShares MSCI Eafe Value ETF | 1.47% | 47,239 | $2.8M | Reduce -10.2% |
| AVDV Avantis Intl S/C Value ETF | 1.32% | 35,964 | $2.5M | Add +6.6% |
| DFAE Dimensional Emerging Core Eq | 1.22% | 89,247 | $2.3M | Reduce -5.9% |
| DFAU Dimensional US Core Equity M | 1.17% | 57,831 | $2.2M | Reduce -5.7% |
| IVE iShares S&P 500 Value ETF | 1.09% | 10,858 | $2.1M | Add +42.6% |
| DFAR Dimensional US Real Est ETF | 1.00% | 80,019 | $1.9M | Add +1.2% |
| VTV Vanguard Mrngstr Val ETF-Aui | 1.00% | 10,923 | $1.9M | Reduce -1.3% |
| OEF iShares S&P 100 ETF | 0.98% | 6,837 | $1.9M | Add +73.6% |
| VEA Vanguard Ftse Developed ETF | 0.93% | 34,729 | $1.8M | Reduce -0.8% |
| EFG iShares MSCI Eafe Growth ETF | 0.92% | 17,373 | $1.7M | Reduce -34.8% |
| MRSH Marsh & McLennan Cos | 0.89% | 6,904 | $1.7M | No change |
| BSV Vanguard Short-Term Bond ETF | 0.74% | 17,802 | $1.4M | Add +0.4% |
| DISV Dimensional International SM | 0.63% | 40,899 | $1.2M | Reduce -5.7% |
| VTI VG Morningstar TS MKT ETF-US | 0.63% | 4,315 | $1.2M | Reduce -24.5% |
| IYW iShares Ustechnology ETF | 0.61% | 8,206 | $1.2M | Add +5.6% |
| IEMG iShares Core MSCI Emerging | 0.59% | 20,871 | $1.1M | Add +95.6% |
| TLH iShares 10-20 Year Treasury | 0.54% | 9,891 | $1.0M | Add +341.4% |
| EMXC iShares MSCI Emr MRK Ex Chna | 0.54% | 18,598 | $1.0M | Reduce -22.8% |
| MBB iShares MBS ETF | 0.51% | 10,279 | $964K | Reduce -18.6% |
| SCHZ Schwab US Aggregate Bond ETF | 0.47% | 38,852 | $900K | Add +37.6% |
| VV Vngrd Mrgstr LRG-Cap ETF-Usd | 0.43% | 3,180 | $817K | Add +14.3% |
| VTES Vanguard SH Term Tax-Ex Bond | 0.40% | 7,580 | $762K | Add +1.3% |
| ESGU iShares ESG Aware MSCI USA | 0.39% | 6,135 | $748K | Reduce -22.3% |
| IAU iShares Gold Trust | 0.38% | 12,295 | $725K | Add +128.8% |
| IEFA iShares Core MSCI Eafe ETF | 0.38% | 9,412 | $712K | Reduce -0.1% |
| SUB iShares Short-Term National | 0.37% | 6,691 | $707K | Reduce -18.5% |
| BINC iShares Flex I A ETF-Usd Inc. | 0.37% | 13,370 | $700K | Add +7.6% |
| MTUM iShares MSCI USA Momentum Fa | 0.37% | 3,448 | $697K | Add +3.6% |
| AVUS Avantis U.S. Equity ETF | 0.36% | 7,451 | $688K | New |
| DIHP Dimensional International Hi | 0.36% | 25,178 | $678K | Reduce -9.1% |
| DGCB Dimensional Global Credit | 0.35% | 12,547 | $667K | Reduce -24.2% |
| DCOR Dimensional US Core Eq 1 ETF | 0.33% | 10,252 | $629K | No change |
| AVUV Avantis US Small Cap Value | 0.28% | 6,038 | $526K | Reduce -0.1% |
| BNDX Vanguard Total Intl Bond ETF | 0.28% | 10,778 | $526K | Reduce -10.0% |
| QQQ Invesco QQQ Trust Series 1 | 0.27% | 1,092 | $512K | No change |
| VWO Vanguard Ftse Emerging Marke | 0.27% | 11,094 | $502K | Add +5.3% |
| DFAI Dimensional International Co. | 0.26% | 16,069 | $502K | Add +15.3% |
| DEHP Dimensional Emrg MRK Hi Prof | 0.26% | 19,172 | $484K | Reduce -0.5% |
| DFEV Dimensional Emrg MRKT Val | 0.25% | 17,206 | $465K | Reduce -5.0% |
| HEFA Isha Curr Hedged MSCI Eafe | 0.24% | 12,532 | $455K | New |
| PG The Procter & Gamble Co. | 0.23% | 2,548 | $434K | No change |
| CSX CSX Corp. | 0.20% | 13,201 | $389K | Add +0.1% |
| BND Vanguard Total Bond Market | 0.20% | 5,131 | $377K | Reduce -26.6% |
| DFNM Dimensional National Muni BD | 0.20% | 7,899 | $376K | Reduce -9.9% |
| DFLV Dim US Large Cap Value ETF | 0.18% | 11,419 | $349K | No change |
| SCHF Schwab Intl Equity ETF | 0.18% | 16,848 | $333K | Add +68.2% |
| LCTU iShares U.S. Carbon Transiti | 0.16% | 5,077 | $308K | Add +1.6% |
| ITOT iShares Core S&P Total U.S. | 0.16% | 2,517 | $307K | Add +23.7% |
| MSFT Microsoft Corp. | 0.16% | 799 | $300K | Reduce -4.0% |
| VGT Vanguard Info Tech ETF | 0.16% | 552 | $300K | Reduce -30.1% |
| HON Honeywell International Inc. | 0.13% | 1,199 | $254K | Reduce -0.1% |
| VB Vanguard Most SM-Cap ETF-Usd | 0.13% | 1,139 | $253K | Add +4.7% |
| IEV iShares Europe ETF | 0.13% | 4,324 | $252K | Reduce -8.6% |
| IVLU iShares MSCI International V | 0.13% | 8,127 | $246K | Reduce -5.8% |
| ILCV iShares Morningstar Value Et | 0.13% | 3,003 | $245K | New |
| BIV Vanguard Intermediate-Term B | 0.12% | 3,084 | $236K | Reduce -6.7% |
| DFGP Dimensional GLBL Core PL Fix | 0.12% | 4,165 | $223K | Reduce -13.6% |
| BLV Vanguard Long-Term Bond ETF | 0.12% | 3,103 | $219K | New |
Portfolio Sells Q4 2024 → Q1 2025
| DFAC Dimensional US Core Equity 2 | Reduce -1.2% | 12.29% | −0.87 |
| IVV iShares Core S&P 500 ETF | Reduce -4.6% | 4.78% | −0.51 |
| IUSB Ishr CR Unvrse Usd BD ETF-Ui | Reduce -14.3% | 3.22% | −0.49 |
| EFG iShares MSCI Eafe Growth ETF | Reduce -34.8% | 0.92% | −0.46 |
| TLT iShares 20+ Year Treasury BD | Sold out | 0.00% | −0.31 |
| AAPL Apple Inc. | Reduce -1.1% | 1.76% | −0.26 |
| VTEB Vanguard Tax-Exempt Bond ETF | Reduce -12.9% | 1.54% | −0.26 |
| VTI VG Morningstar TS MKT ETF-US | Reduce -24.5% | 0.63% | −0.26 |
| DFGX Dimsnl Intr CF in ETF-Usd Inc. | Sold out | 0.00% | −0.20 |
| VUG Vanguard Mrngstar GR ETF-Sui | Reduce -0.4% | 1.52% | −0.18 |
| IFRA iShares US Infrastructure | Sold out | 0.00% | −0.17 |
| EMXC iShares MSCI Emr MRK Ex Chna | Reduce -22.8% | 0.54% | −0.17 |
| IAGG iShares Intl Aggregate Bond | Sold out | 0.00% | −0.16 |
| DFAU Dimensional US Core Equity M | Reduce -5.7% | 1.17% | −0.15 |
| ESGU iShares ESG Aware MSCI USA | Reduce -22.3% | 0.39% | −0.15 |
| DGCB Dimensional Global Credit | Reduce -24.2% | 0.35% | −0.11 |
| MBB iShares MBS ETF | Reduce -18.6% | 0.51% | −0.11 |
| SPYM Ste STR SPDR PT S&P 500 ETF | Sold out | 0.00% | −0.11 |
| VGT Vanguard Info Tech ETF | Reduce -30.1% | 0.16% | −0.10 |
| SUB iShares Short-Term National | Reduce -18.5% | 0.37% | −0.09 |
| BND Vanguard Total Bond Market | Reduce -26.6% | 0.20% | −0.07 |
| DFAE Dimensional Emerging Core Eq | Reduce -5.9% | 1.22% | −0.06 |
| BNDX Vanguard Total Intl Bond ETF | Reduce -10.0% | 0.28% | −0.04 |
| AVUV Avantis US Small Cap Value | Reduce -0.1% | 0.28% | −0.03 |
| MSFT Microsoft Corp. | Reduce -4.0% | 0.16% | −0.03 |
| DFNM Dimensional National Muni BD | Reduce -9.9% | 0.20% | −0.02 |
| DFGP Dimensional GLBL Core PL Fix | Reduce -13.6% | 0.12% | −0.02 |
| DIHP Dimensional International Hi | Reduce -9.1% | 0.36% | −0.01 |
| HON Honeywell International Inc. | Reduce -0.1% | 0.13% | −0.01 |
| DFEV Dimensional Emrg MRKT Val | Reduce -5.0% | 0.25% | −0.01 |
| BIV Vanguard Intermediate-Term B | Reduce -6.7% | 0.12% | −0.01 |
| VTV Vanguard Mrngstr Val ETF-Aui | Reduce -1.3% | 1.00% | −0.00 |
| EFV iShares MSCI Eafe Value ETF | Reduce -10.2% | 1.47% | +0.00 |
| DEHP Dimensional Emrg MRK Hi Prof | Reduce -0.5% | 0.26% | +0.00 |
| IEV iShares Europe ETF | Reduce -8.6% | 0.13% | +0.00 |
| IVLU iShares MSCI International V | Reduce -5.8% | 0.13% | +0.01 |
| DISV Dimensional International SM | Reduce -5.7% | 0.63% | +0.02 |
| IEFA iShares Core MSCI Eafe ETF | Reduce -0.1% | 0.38% | +0.02 |
| VEA Vanguard Ftse Developed ETF | Reduce -0.8% | 0.93% | +0.04 |
| DFIC Dimensional International Co. | Reduce -2.4% | 5.84% | +0.23 |
Portfolio Buys Q4 2024 → Q1 2025
| FBND Fidelity Total Bond ETF | Add +12.1% | 7.72% | +0.89 |
| MUB iShares National Muni Bond E | Add +61.0% | 2.30% | +0.84 |
| TLH iShares 10-20 Year Treasury | Add +341.4% | 0.54% | +0.42 |
| OEF iShares S&P 100 ETF | Add +73.6% | 0.98% | +0.37 |
| AVUS Avantis U.S. Equity ETF | New | 0.36% | +0.36 |
| DFCF Dimensional Core Fixed Inc. | Add +2.6% | 9.26% | +0.34 |
| IVE iShares S&P 500 Value ETF | Add +42.6% | 1.09% | +0.32 |
| IEMG iShares Core MSCI Emerging | Add +95.6% | 0.59% | +0.30 |
| IAU iShares Gold Trust | Add +128.8% | 0.38% | +0.24 |
| HEFA Isha Curr Hedged MSCI Eafe | New | 0.24% | +0.24 |
| AVDV Avantis Intl S/C Value ETF | Add +6.6% | 1.32% | +0.16 |
| SCHZ Schwab US Aggregate Bond ETF | Add +37.6% | 0.47% | +0.13 |
| ILCV iShares Morningstar Value Et | New | 0.13% | +0.13 |
| BLV Vanguard Long-Term Bond ETF | New | 0.12% | +0.12 |
| DFSD Dimensional Short Duration | Add +1.5% | 4.64% | +0.09 |
| QUAL iShares MSCI USA Quality Fac | Add +9.8% | 1.98% | +0.09 |
| SCHF Schwab Intl Equity ETF | Add +68.2% | 0.18% | +0.08 |
| DFEM Dimensional Emrg MRKT Core | Add +4.3% | 1.72% | +0.07 |
| DUHP Dimensional US High Profi Et | Add +4.5% | 4.50% | +0.07 |
| FLDR Fidelity Low Durat Fact ETF | Add +3.2% | 2.66% | +0.07 |
| DFAI Dimensional International Co. | Add +15.3% | 0.26% | +0.05 |
| VV Vngrd Mrgstr LRG-Cap ETF-Usd | Add +14.3% | 0.43% | +0.03 |
| DYNF Ishrs US E F R A ETF-Usd Inc. | Add +8.3% | 1.48% | +0.03 |
| BINC iShares Flex I A ETF-Usd Inc. | Add +7.6% | 0.37% | +0.03 |
| DFAR Dimensional US Real Est ETF | Add +1.2% | 1.00% | +0.02 |
| ITOT iShares Core S&P Total U.S. | Add +23.7% | 0.16% | +0.02 |
| VWO Vanguard Ftse Emerging Marke | Add +5.3% | 0.27% | +0.02 |
| BSV Vanguard Short-Term Bond ETF | Add +0.4% | 0.74% | +0.01 |
| VTES Vanguard SH Term Tax-Ex Bond | Add +1.3% | 0.40% | +0.00 |
| MTUM iShares MSCI USA Momentum Fa | Add +3.6% | 0.37% | +0.00 |
| VB Vanguard Most SM-Cap ETF-Usd | Add +4.7% | 0.13% | −0.01 |
| LCTU iShares U.S. Carbon Transiti | Add +1.6% | 0.16% | −0.01 |
| CSX CSX Corp. | Add +0.1% | 0.20% | −0.02 |
| IYW iShares Ustechnology ETF | Add +5.6% | 0.61% | −0.05 |
| IVW iShares S&P 500 Growth ETF | Add +4.5% | 1.62% | −0.09 |
| DFSV Dimensional US Small Cap Val | Add +2.9% | 4.48% | −0.32 |
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 |