RCS Financial Planning, LLC
In its 13F for Q2 2025 (holdings as of June 30, 2025, filed July 28, 2025), RCS Financial Planning, LLC reported 83 stock positions worth $201.1 million. Its top holding was Dimensional US Core Equity 2 (DFAC) at 13.8% of the portfolio, followed by Dimensional Core Fixed (DFCF, 8.4%) and Fidelity Total Bond ETF (FBND, 7.8%). Compared with Q1 2025, it opened 9 new positions, sold out of 2, added to 37 and reduced 35. The biggest buy was Dimensional US Core Equity 2 (DFAC, shares +9%) and the biggest sale iShares National Muni Bond E (MUB, shares −72%).
- Most Recent 13F
- Q2 2026
- Location
- ANNAPOLIS, MD
- CIK
- 0001963347
- Portfolio Value
- $201.1M (Q2 2025)
- SEC Filing
- 0001085146-25-004205 ↗ filed Jul 28, 2025
Holdings Value
Holdings 83 stocks · $201.1M
| DFAC Dimensional US Core Equity 2 | 13.77% | 772,386 | $27.7M | Add +9.4% |
| DFCF Dimensional Core Fixed Inc. | 8.39% | 399,256 | $16.9M | Reduce -4.3% |
| FBND Fidelity Total Bond ETF | 7.80% | 341,340 | $15.7M | Add +6.9% |
| DFIC Dimensional International Co. | 5.31% | 343,715 | $10.7M | Reduce -13.7% |
| DUHP Dimensional US High Profi Et | 4.61% | 260,477 | $9.3M | Add +1.1% |
| DFSV Dimensional US Small Cap Val | 4.48% | 305,939 | $9.0M | Add +1.4% |
| DFSD Dimensional Short Duration | 3.89% | 162,919 | $7.8M | Reduce -11.8% |
| IVV iShares Core S&P 500 ETF | 3.62% | 11,736 | $7.3M | Reduce -27.1% |
| IUSB Ishr CR Unvrse Usd BD ETF-Ui | 3.01% | 130,898 | $6.1M | Reduce -1.1% |
| FLDR Fidelity Low Durat Fact ETF | 2.50% | 99,974 | $5.0M | Reduce -0.1% |
| DFEM Dimensional Emrg MRKT Core | 2.43% | 164,558 | $4.9M | Add +33.4% |
| VTEB Vanguard Tax-Exempt Bond ETF | 2.41% | 98,788 | $4.8M | Add +68.3% |
| QUAL iShares MSCI USA Quality Fac | 2.20% | 24,212 | $4.4M | Add +10.0% |
| EFV iShares MSCI Eafe Value ETF | 2.01% | 63,593 | $4.0M | Add +34.6% |
| IVW iShares S&P 500 Growth ETF | 1.80% | 32,856 | $3.6M | Reduce -0.8% |
| DYNF Ishrs US E F R A ETF-Usd Inc. | 1.66% | 61,262 | $3.3M | Add +6.4% |
| AAPL Apple Inc. | 1.53% | 14,947 | $3.1M | Reduce -0.2% |
| VUG Vanguard Mrngstar GR ETF-Sui | 1.50% | 6,880 | $3.0M | Reduce -11.3% |
| IVE iShares S&P 500 Value ETF | 1.39% | 14,260 | $2.8M | Add +31.3% |
| AVDV Avantis Intl S/C Value ETF | 1.32% | 33,443 | $2.7M | Reduce -7.0% |
| OEF iShares S&P 100 ETF | 1.22% | 8,037 | $2.4M | Add +17.6% |
| DFAU Dimensional US Core Equity M | 1.21% | 57,437 | $2.4M | Reduce -0.7% |
| IEMG iShares Core MSCI Emerging | 1.10% | 36,893 | $2.2M | Add +76.8% |
| EFG iShares MSCI Eafe Growth ETF | 0.94% | 16,888 | $1.9M | Reduce -2.8% |
| VEA Vanguard Ftse Developed ETF | 0.93% | 32,713 | $1.9M | Reduce -5.8% |
| DFAR Dimensional US Real Est ETF | 0.83% | 71,146 | $1.7M | Reduce -11.1% |
| VTV Vanguard Mrngstr Val ETF-Aui | 0.83% | 9,355 | $1.7M | Reduce -14.4% |
| MRSH Marsh & McLennan Cos | 0.75% | 6,904 | $1.5M | No change |
| THRO iShares U.S. Thematic Rotati | 0.73% | 41,263 | $1.5M | New |
| IYW iShares Ustechnology ETF | 0.72% | 8,323 | $1.4M | Add +1.4% |
| BSV Vanguard Short-Term Bond ETF | 0.71% | 18,184 | $1.4M | Add +2.1% |
| TLH iShares 10-20 Year Treasury | 0.64% | 12,715 | $1.3M | Add +28.6% |
| MUB iShares National Muni Bond E | 0.60% | 11,614 | $1.2M | Reduce -71.8% |
| SUB iShares Short-Term National | 0.56% | 10,684 | $1.1M | Add +59.7% |
| DFAE Dimensional Emerging Core Eq | 0.52% | 35,821 | $1.0M | Reduce -59.9% |
| MBB iShares MBS ETF | 0.50% | 10,640 | $999K | Add +3.5% |
| VTI VG Morningstar TS MKT ETF-US | 0.48% | 3,178 | $969K | Reduce -26.4% |
| SCHZ Schwab US Aggregate Bond ETF | 0.47% | 40,826 | $949K | Add +5.1% |
| MTUM iShares MSCI USA Momentum Fa | 0.46% | 3,825 | $919K | Add +10.9% |
| VV Vngrd Mrgstr LRG-Cap ETF-Usd | 0.45% | 3,146 | $900K | Reduce -1.1% |
| DISV Dimensional International SM | 0.44% | 26,935 | $886K | Reduce -34.1% |
| IAGG iShares Intl Aggregate Bond | 0.43% | 17,011 | $869K | New |
| VWO Vanguard Ftse Emerging Marke | 0.43% | 17,541 | $868K | Add +58.1% |
| IEFA iShares Core MSCI Eafe ETF | 0.40% | 9,555 | $798K | Add +1.5% |
| ESGU iShares ESG Aware MSCI USA | 0.39% | 5,750 | $778K | Reduce -6.3% |
| BINC iShares Flex I A ETF-Usd Inc. | 0.36% | 13,763 | $727K | Add +2.9% |
| VTES Vanguard SH Term Tax-Ex Bond | 0.35% | 6,990 | $705K | Reduce -7.8% |
| AVUV Avantis US Small Cap Value | 0.34% | 7,492 | $683K | Add +24.1% |
| DCOR Dimensional US Core Eq 1 ETF | 0.34% | 10,104 | $675K | Reduce -1.4% |
| DGCB Dimensional Global Credit | 0.32% | 11,944 | $648K | Reduce -4.8% |
| QQQ Invesco QQQ Trust Series 1 | 0.30% | 1,097 | $606K | Add +0.5% |
| IAU iShares Gold Trust | 0.29% | 9,489 | $592K | Reduce -22.8% |
| DIHP Dimensional International Hi | 0.29% | 19,586 | $578K | Reduce -22.2% |
| DFAI Dimensional International Co. | 0.29% | 16,601 | $574K | Add +3.3% |
| BNDX Vanguard Total Intl Bond ETF | 0.27% | 11,100 | $550K | Add +3.0% |
| BAI Ishrs AI in and Tech Act ETF | 0.26% | 18,398 | $531K | New |
| SCHF Schwab Intl Equity ETF | 0.23% | 21,244 | $470K | Add +26.1% |
| CSX CSX Corp. | 0.21% | 13,190 | $430K | Reduce -0.1% |
| PG The Procter & Gamble Co. | 0.20% | 2,553 | $407K | Add +0.2% |
| DFNM Dimensional National Muni BD | 0.20% | 8,455 | $401K | Add +7.0% |
| MSFT Microsoft Corp. | 0.20% | 788 | $392K | Reduce -1.4% |
| DEHP Dimensional Emrg MRK Hi Prof | 0.19% | 13,995 | $392K | Reduce -27.0% |
| BND Vanguard Total Bond Market | 0.19% | 5,166 | $380K | Add +0.7% |
| VGT Vanguard Info Tech ETF | 0.19% | 569 | $377K | Add +3.1% |
| VB Vanguard Most SM-Cap ETF-Usd | 0.18% | 1,545 | $367K | Add +35.6% |
| ITOT iShares Core S&P Total U.S. | 0.18% | 2,673 | $361K | Add +6.2% |
| DFEV Dimensional Emrg MRKT Val | 0.18% | 11,982 | $359K | Reduce -30.4% |
| DFLV Dim US Large Cap Value ETF | 0.18% | 11,419 | $354K | No change |
| LCTU iShares U.S. Carbon Transiti | 0.17% | 5,082 | $342K | Add +0.1% |
| IVLU iShares MSCI International V | 0.16% | 9,708 | $319K | Add +19.4% |
| SCHG Schwab US Large-Cap Growth | 0.14% | 9,767 | $285K | New |
| HON Honeywell International Inc. | 0.14% | 1,195 | $278K | Reduce -0.3% |
| XLK SS Technology Select Sector | 0.14% | 1,077 | $273K | New |
| IEV iShares Europe ETF | 0.13% | 4,157 | $263K | Reduce -3.9% |
| AVUS Avantis U.S. Equity ETF | 0.13% | 2,581 | $260K | Reduce -65.4% |
| VMBS Vanguard Mortgage-Backed Sec | 0.13% | 5,613 | $260K | New |
| VBR Vngrd Mrngst SL-CP Val ETF-U | 0.12% | 1,241 | $243K | New |
| BIV Vanguard Intermediate-Term B | 0.12% | 3,140 | $243K | Add +1.8% |
| DFGP Dimensional GLBL Core PL Fix | 0.11% | 4,106 | $224K | Reduce -1.4% |
| BLV Vanguard Long-Term Bond ETF | 0.11% | 3,190 | $222K | Add +2.8% |
| EMXC iShares MSCI Emr MRK Ex Chna | 0.11% | 3,399 | $215K | Reduce -81.7% |
| VXUS Vanguard Total Intl Stock | 0.10% | 2,994 | $207K | New |
| NVDA Nvidia Corp. | 0.10% | 1,273 | $201K | New |
Portfolio Sells Q1 2025 → Q2 2025
| MUB iShares National Muni Bond E | Reduce -71.8% | 0.60% | −1.69 |
| IVV iShares Core S&P 500 ETF | Reduce -27.1% | 3.62% | −1.15 |
| DFCF Dimensional Core Fixed Inc. | Reduce -4.3% | 8.39% | −0.87 |
| DFSD Dimensional Short Duration | Reduce -11.8% | 3.89% | −0.75 |
| DFAE Dimensional Emerging Core Eq | Reduce -59.9% | 0.52% | −0.70 |
| DFIC Dimensional International Co. | Reduce -13.7% | 5.31% | −0.52 |
| EMXC iShares MSCI Emr MRK Ex Chna | Reduce -81.7% | 0.11% | −0.43 |
| HEFA Isha Curr Hedged MSCI Eafe | Sold out | 0.00% | −0.24 |
| AVUS Avantis U.S. Equity ETF | Reduce -65.4% | 0.13% | −0.23 |
| AAPL Apple Inc. | Reduce -0.2% | 1.53% | −0.23 |
| IUSB Ishr CR Unvrse Usd BD ETF-Ui | Reduce -1.1% | 3.01% | −0.21 |
| DISV Dimensional International SM | Reduce -34.1% | 0.44% | −0.19 |
| DFAR Dimensional US Real Est ETF | Reduce -11.1% | 0.83% | −0.17 |
| VTV Vanguard Mrngstr Val ETF-Aui | Reduce -14.4% | 0.83% | −0.17 |
| FLDR Fidelity Low Durat Fact ETF | Reduce -0.1% | 2.50% | −0.16 |
| VTI VG Morningstar TS MKT ETF-US | Reduce -26.4% | 0.48% | −0.14 |
| ILCV iShares Morningstar Value Et | Sold out | 0.00% | −0.13 |
| IAU iShares Gold Trust | Reduce -22.8% | 0.29% | −0.09 |
| DIHP Dimensional International Hi | Reduce -22.2% | 0.29% | −0.07 |
| DFEV Dimensional Emrg MRKT Val | Reduce -30.4% | 0.18% | −0.07 |
| DEHP Dimensional Emrg MRK Hi Prof | Reduce -27.0% | 0.19% | −0.06 |
| VTES Vanguard SH Term Tax-Ex Bond | Reduce -7.8% | 0.35% | −0.05 |
| DGCB Dimensional Global Credit | Reduce -4.8% | 0.32% | −0.03 |
| VUG Vanguard Mrngstar GR ETF-Sui | Reduce -11.3% | 1.50% | −0.02 |
| ESGU iShares ESG Aware MSCI USA | Reduce -6.3% | 0.39% | −0.01 |
| DFGP Dimensional GLBL Core PL Fix | Reduce -1.4% | 0.11% | −0.01 |
| AVDV Avantis Intl S/C Value ETF | Reduce -7.0% | 1.32% | −0.01 |
| VEA Vanguard Ftse Developed ETF | Reduce -5.8% | 0.93% | −0.00 |
| IEV iShares Europe ETF | Reduce -3.9% | 0.13% | −0.00 |
| DCOR Dimensional US Core Eq 1 ETF | Reduce -1.4% | 0.34% | +0.00 |
| HON Honeywell International Inc. | Reduce -0.3% | 0.14% | +0.00 |
| CSX CSX Corp. | Reduce -0.1% | 0.21% | +0.01 |
| VV Vngrd Mrgstr LRG-Cap ETF-Usd | Reduce -1.1% | 0.45% | +0.02 |
| EFG iShares MSCI Eafe Growth ETF | Reduce -2.8% | 0.94% | +0.02 |
| MSFT Microsoft Corp. | Reduce -1.4% | 0.20% | +0.04 |
| DFAU Dimensional US Core Equity M | Reduce -0.7% | 1.21% | +0.04 |
| IVW iShares S&P 500 Growth ETF | Reduce -0.8% | 1.80% | +0.18 |
Portfolio Buys Q1 2025 → Q2 2025
| DFAC Dimensional US Core Equity 2 | Add +9.4% | 13.77% | +1.48 |
| VTEB Vanguard Tax-Exempt Bond ETF | Add +68.3% | 2.41% | +0.87 |
| THRO iShares U.S. Thematic Rotati | New | 0.73% | +0.73 |
| DFEM Dimensional Emrg MRKT Core | Add +33.4% | 2.43% | +0.71 |
| EFV iShares MSCI Eafe Value ETF | Add +34.6% | 2.01% | +0.54 |
| IEMG iShares Core MSCI Emerging | Add +76.8% | 1.10% | +0.51 |
| IAGG iShares Intl Aggregate Bond | New | 0.43% | +0.43 |
| IVE iShares S&P 500 Value ETF | Add +31.3% | 1.39% | +0.29 |
| BAI Ishrs AI in and Tech Act ETF | New | 0.26% | +0.26 |
| OEF iShares S&P 100 ETF | Add +17.6% | 1.22% | +0.24 |
| QUAL iShares MSCI USA Quality Fac | Add +10.0% | 2.20% | +0.22 |
| SUB iShares Short-Term National | Add +59.7% | 0.56% | +0.19 |
| DYNF Ishrs US E F R A ETF-Usd Inc. | Add +6.4% | 1.66% | +0.18 |
| VWO Vanguard Ftse Emerging Marke | Add +58.1% | 0.43% | +0.17 |
| SCHG Schwab US Large-Cap Growth | New | 0.14% | +0.14 |
| XLK SS Technology Select Sector | New | 0.14% | +0.14 |
| VMBS Vanguard Mortgage-Backed Sec | New | 0.13% | +0.13 |
| VBR Vngrd Mrngst SL-CP Val ETF-U | New | 0.12% | +0.12 |
| IYW iShares Ustechnology ETF | Add +1.4% | 0.72% | +0.11 |
| VXUS Vanguard Total Intl Stock | New | 0.10% | +0.10 |
| DUHP Dimensional US High Profi Et | Add +1.1% | 4.61% | +0.10 |
| TLH iShares 10-20 Year Treasury | Add +28.6% | 0.64% | +0.10 |
| NVDA Nvidia Corp. | New | 0.10% | +0.10 |
| MTUM iShares MSCI USA Momentum Fa | Add +10.9% | 0.46% | +0.09 |
| FBND Fidelity Total Bond ETF | Add +6.9% | 7.80% | +0.08 |
| AVUV Avantis US Small Cap Value | Add +24.1% | 0.34% | +0.06 |
| SCHF Schwab Intl Equity ETF | Add +26.1% | 0.23% | +0.06 |
| VB Vanguard Most SM-Cap ETF-Usd | Add +35.6% | 0.18% | +0.05 |
| QQQ Invesco QQQ Trust Series 1 | Add +0.5% | 0.30% | +0.03 |
| VGT Vanguard Info Tech ETF | Add +3.1% | 0.19% | +0.03 |
| IVLU iShares MSCI International V | Add +19.4% | 0.16% | +0.03 |
| IEFA iShares Core MSCI Eafe ETF | Add +1.5% | 0.40% | +0.02 |
| DFAI Dimensional International Co. | Add +3.3% | 0.29% | +0.02 |
| ITOT iShares Core S&P Total U.S. | Add +6.2% | 0.18% | +0.02 |
| LCTU iShares U.S. Carbon Transiti | Add +0.1% | 0.17% | +0.01 |
| DFNM Dimensional National Muni BD | Add +7.0% | 0.20% | +0.00 |
| SCHZ Schwab US Aggregate Bond ETF | Add +5.1% | 0.47% | −0.00 |
| BIV Vanguard Intermediate-Term B | Add +1.8% | 0.12% | −0.00 |
| BNDX Vanguard Total Intl Bond ETF | Add +3.0% | 0.27% | −0.00 |
| BLV Vanguard Long-Term Bond ETF | Add +2.8% | 0.11% | −0.01 |
| DFSV Dimensional US Small Cap Val | Add +1.4% | 4.48% | −0.01 |
| BINC iShares Flex I A ETF-Usd Inc. | Add +2.9% | 0.36% | −0.01 |
| BND Vanguard Total Bond Market | Add +0.7% | 0.19% | −0.01 |
| MBB iShares MBS ETF | Add +3.5% | 0.50% | −0.01 |
| BSV Vanguard Short-Term Bond ETF | Add +2.1% | 0.71% | −0.02 |
| PG The Procter & Gamble Co. | Add +0.2% | 0.20% | −0.03 |
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 |