RCS Financial Planning, LLC
In its 13F for Q3 2025 (holdings as of September 30, 2025, filed November 5, 2025), RCS Financial Planning, LLC reported 92 stock positions worth $225.8 million. Its top holding was Dimensional US Core Equity 2 (DFAC) at 12.7% of the portfolio, followed by Dimensional Core Fixed (DFCF, 7.6%) and Fidelity Total Bond ETF (FBND, 7.4%). Compared with Q2 2025, it opened 11 new positions, sold out of 2, added to 41 and reduced 29. The biggest buy was a new position in CrowdStrike Class A (CRWD) and the biggest sale Dimensional US Core Equity 2 (DFAC, shares −4%).
- Most Recent 13F
- Q2 2026
- Location
- ANNAPOLIS, MD
- CIK
- 0001963347
- Portfolio Value
- $225.8M (Q3 2025)
- SEC Filing
- 0001963347-25-000003 ↗ filed Nov 5, 2025
Holdings Value
Holdings 92 stocks · $225.8M
| DFAC Dimensional US Core Equity 2 | 12.70% | 743,613 | $28.7M | Reduce -3.7% |
| DFCF Dimensional Core Fixed Inc. | 7.62% | 402,193 | $17.2M | Add +0.7% |
| FBND Fidelity Total Bond ETF | 7.37% | 358,827 | $16.7M | Add +5.1% |
| DFIC Dimensional International Co. | 4.75% | 327,221 | $10.7M | Reduce -4.8% |
| DUHP Dimensional US High Profi Et | 4.45% | 265,896 | $10.0M | Add +2.1% |
| DFSV Dimensional US Small Cap Val | 4.36% | 308,912 | $9.8M | Add +1.0% |
| IVV iShares Core S&P 500 ETF | 3.59% | 12,111 | $8.1M | Add +3.2% |
| DFSD Dimensional Short Duration | 3.33% | 155,997 | $7.5M | Reduce -4.3% |
| IUSB Ishr CR Unvrse Usd BD ETF-Ui | 2.60% | 125,455 | $5.9M | Reduce -4.2% |
| FLDR Fidelity Low Durat Fact ETF | 2.50% | 112,076 | $5.6M | Add +12.1% |
| DFEM Dimensional Emrg MRKT Core | 2.39% | 168,235 | $5.4M | Add +2.2% |
| VTEB Vanguard Tax-Exempt Bond ETF | 2.15% | 97,051 | $4.9M | Reduce -1.8% |
| DYNF Ishrs US E F R A ETF-Usd Inc. | 2.10% | 80,285 | $4.8M | Add +31.1% |
| QUAL iShares MSCI USA Quality Fac | 2.10% | 24,423 | $4.8M | Add +0.9% |
| IVW iShares S&P 500 Growth ETF | 1.82% | 34,122 | $4.1M | Add +3.9% |
| EFV iShares MSCI Eafe Value ETF | 1.81% | 60,119 | $4.1M | Reduce -5.5% |
| OEF iShares S&P 100 ETF | 1.74% | 11,793 | $3.9M | Add +46.7% |
| CRWD CrowdStrike Holdings Inc. Class A | 1.73% | 7,974 | $3.9M | New |
| AAPL Apple Inc. | 1.68% | 14,867 | $3.8M | Reduce -0.5% |
| VUG Vanguard Mrngstar GR ETF-Sui | 1.60% | 7,547 | $3.6M | Add +9.7% |
| IVE iShares S&P 500 Value ETF | 1.51% | 16,465 | $3.4M | Add +15.5% |
| IEMG iShares Core MSCI Emerging | 1.37% | 46,766 | $3.1M | Add +26.8% |
| AVDV Avantis Intl S/C Value ETF | 1.30% | 33,098 | $2.9M | Reduce -1.0% |
| DFAU Dimensional US Core Equity M | 1.15% | 56,846 | $2.6M | Reduce -1.0% |
| TLH iShares 10-20 Year Treasury | 0.90% | 19,728 | $2.0M | Add +55.2% |
| VEA Vanguard Ftse Developed ETF | 0.88% | 33,036 | $2.0M | Add +1.0% |
| VTV Vanguard Mrngstr Val ETF-Aui | 0.87% | 10,471 | $2.0M | Add +11.9% |
| THRO iShares U.S. Thematic Rotati | 0.76% | 45,504 | $1.7M | Add +10.3% |
| DFAR Dimensional US Real Est ETF | 0.72% | 68,634 | $1.6M | Reduce -3.5% |
| BAI Ishrs AI in and Tech Act ETF | 0.66% | 43,334 | $1.5M | Add +135.5% |
| BSV Vanguard Short-Term Bond ETF | 0.64% | 18,366 | $1.4M | Add +1.0% |
| SUB iShares Short-Term National | 0.62% | 13,065 | $1.4M | Add +22.3% |
| MRSH Marsh & McLennan Cos | 0.62% | 6,903 | $1.4M | Reduce -0.0% |
| MUB iShares National Muni Bond E | 0.58% | 12,247 | $1.3M | Add +5.5% |
| IAU iShares Gold Trust | 0.53% | 16,401 | $1.2M | Add +72.8% |
| MBB iShares MBS ETF | 0.53% | 12,534 | $1.2M | Add +17.8% |
| ESGU iShares ESG Aware MSCI USA | 0.52% | 8,036 | $1.2M | Add +39.8% |
| IAGG iShares Intl Aggregate Bond | 0.51% | 22,659 | $1.2M | Add +33.2% |
| MTUM iShares MSCI USA Momentum Fa | 0.47% | 4,181 | $1.1M | Add +9.3% |
| VTI VG Morningstar TS MKT ETF-US | 0.47% | 3,216 | $1.1M | Add +1.2% |
| DFAE Dimensional Emerging Core Eq | 0.46% | 33,158 | $1.0M | Reduce -7.4% |
| LCTU iShares U.S. Carbon Transiti | 0.42% | 13,126 | $953K | Add +158.3% |
| SCHZ Schwab US Aggregate Bond ETF | 0.42% | 40,191 | $943K | Reduce -1.6% |
| VV Vngrd Mrgstr LRG-Cap ETF-Usd | 0.41% | 3,027 | $934K | Reduce -3.8% |
| DISV Dimensional International SM | 0.41% | 26,025 | $929K | Reduce -3.4% |
| EFG iShares MSCI Eafe Growth ETF | 0.40% | 7,903 | $900K | Reduce -53.2% |
| BINC iShares Flex I A ETF-Usd Inc. | 0.39% | 16,587 | $883K | Add +20.5% |
| VWO Vanguard Ftse Emerging Marke | 0.38% | 15,882 | $861K | Reduce -9.5% |
| IEFA iShares Core MSCI Eafe ETF | 0.37% | 9,555 | $834K | No change |
| ITA iShares U.S. Aerospace & Def | 0.35% | 3,728 | $780K | New |
| AVUV Avantis US Small Cap Value | 0.33% | 7,495 | $746K | Add +0.0% |
| DCOR Dimensional US Core Eq 1 ETF | 0.32% | 10,104 | $727K | No change |
| VTES Vanguard SH Term Tax-Ex Bond | 0.32% | 6,990 | $712K | No change |
| DGCB Dimensional Global Credit | 0.31% | 12,525 | $695K | Add +4.9% |
| SUSC iShares ESG Aware Usd Corpor | 0.31% | 29,265 | $689K | New |
| SCHF Schwab Intl Equity ETF | 0.30% | 29,150 | $679K | Add +37.2% |
| IYW iShares Ustechnology ETF | 0.30% | 3,456 | $677K | Reduce -58.5% |
| QQQ Invesco QQQ Trust Series 1 | 0.29% | 1,097 | $659K | No change |
| EAGG iShares ESG Aware US Aggrega | 0.29% | 13,537 | $650K | New |
| DFAI Dimensional International Co. | 0.27% | 16,554 | $602K | Reduce -0.3% |
| BNDX Vanguard Total Intl Bond ETF | 0.26% | 11,804 | $584K | Add +6.3% |
| DSI iShares ESG MSCI KLD 400 ETF | 0.24% | 4,286 | $540K | New |
| DIHP Dimensional International Hi | 0.24% | 17,733 | $539K | Reduce -9.5% |
| SCHG Schwab US Large-Cap Growth | 0.24% | 16,683 | $532K | Add +70.8% |
| CSX CSX Corp. | 0.21% | 13,190 | $468K | No change |
| DFLV Dim US Large Cap Value ETF | 0.20% | 13,912 | $458K | Add +21.8% |
| VB Vanguard Most SM-Cap ETF-Usd | 0.20% | 1,741 | $444K | Add +12.7% |
| DFNM Dimensional National Muni BD | 0.20% | 9,224 | $443K | Add +9.1% |
| USXF iShares ESG Advance MSCI USA | 0.20% | 7,703 | $441K | New |
| VGT Vanguard Info Tech ETF | 0.19% | 569 | $425K | No change |
| MSFT Microsoft Corp. | 0.18% | 788 | $408K | No change |
| DEHP Dimensional Emrg MRK Hi Prof | 0.17% | 12,920 | $395K | Reduce -7.7% |
| PG The Procter & Gamble Co. | 0.17% | 2,548 | $392K | Reduce -0.2% |
| ITOT iShares Core S&P Total U.S. | 0.17% | 2,649 | $386K | Reduce -0.9% |
| DMXF iShares ESG Advanc MSCI Eafe | 0.16% | 4,886 | $370K | New |
| VMBS Vanguard Mortgage-Backed Sec | 0.15% | 7,396 | $347K | Add +31.8% |
| DFEV Dimensional Emrg MRKT Val | 0.15% | 10,781 | $344K | Reduce -10.0% |
| IVLU iShares MSCI International V | 0.14% | 8,590 | $305K | Reduce -11.5% |
| XLK SS Technology Select Sector | 0.13% | 1,077 | $304K | No change |
| SCHJ Schwab 1-5 YR Corp. BND ETF | 0.13% | 11,522 | $287K | New |
| AVUS Avantis U.S. Equity ETF | 0.12% | 2,581 | $281K | No change |
| SPEM State Street SP PTF Em ETF | 0.12% | 5,837 | $273K | New |
| VBR Vngrd Mrngst SL-CP Val ETF-U | 0.12% | 1,265 | $265K | Add +1.9% |
| HON Honeywell International Inc. | 0.11% | 1,195 | $252K | No change |
| NVDA Nvidia Corp. | 0.11% | 1,273 | $238K | No change |
| DFGP Dimensional GLBL Core PL Fix | 0.10% | 4,196 | $233K | Add +2.2% |
| BLV Vanguard Long-Term Bond ETF | 0.10% | 3,162 | $224K | Reduce -0.9% |
| VXUS Vanguard Total Intl Stock | 0.10% | 2,968 | $218K | Reduce -0.9% |
| BIV Vanguard Intermediate-Term B | 0.09% | 2,701 | $211K | Reduce -14.0% |
| HIMU iShares High Yild Muni A ETF | 0.09% | 4,134 | $203K | New |
| IEV iShares Europe ETF | 0.09% | 3,089 | $202K | Reduce -25.7% |
| CEG Constellation Energy | 0.09% | 613 | $202K | New |
Portfolio Sells Q2 2025 → Q3 2025
| DFAC Dimensional US Core Equity 2 | Reduce -3.7% | 12.70% | −1.07 |
| DFIC Dimensional International Co. | Reduce -4.8% | 4.75% | −0.56 |
| DFSD Dimensional Short Duration | Reduce -4.3% | 3.33% | −0.56 |
| EFG iShares MSCI Eafe Growth ETF | Reduce -53.2% | 0.40% | −0.54 |
| IYW iShares Ustechnology ETF | Reduce -58.5% | 0.30% | −0.42 |
| IUSB Ishr CR Unvrse Usd BD ETF-Ui | Reduce -4.2% | 2.60% | −0.41 |
| VTEB Vanguard Tax-Exempt Bond ETF | Reduce -1.8% | 2.15% | −0.26 |
| EFV iShares MSCI Eafe Value ETF | Reduce -5.5% | 1.81% | −0.20 |
| BND Vanguard Total Bond Market | Sold out | 0.00% | −0.19 |
| MRSH Marsh & McLennan Cos | Reduce -0.0% | 0.62% | −0.13 |
| EMXC iShares MSCI Emr MRK Ex Chna | Sold out | 0.00% | −0.11 |
| DFAR Dimensional US Real Est ETF | Reduce -3.5% | 0.72% | −0.11 |
| DFAU Dimensional US Core Equity M | Reduce -1.0% | 1.15% | −0.06 |
| SCHZ Schwab US Aggregate Bond ETF | Reduce -1.6% | 0.42% | −0.05 |
| DFAE Dimensional Emerging Core Eq | Reduce -7.4% | 0.46% | −0.05 |
| VWO Vanguard Ftse Emerging Marke | Reduce -9.5% | 0.38% | −0.05 |
| DIHP Dimensional International Hi | Reduce -9.5% | 0.24% | −0.05 |
| IEV iShares Europe ETF | Reduce -25.7% | 0.09% | −0.04 |
| VV Vngrd Mrgstr LRG-Cap ETF-Usd | Reduce -3.8% | 0.41% | −0.03 |
| DISV Dimensional International SM | Reduce -3.4% | 0.41% | −0.03 |
| PG The Procter & Gamble Co. | Reduce -0.2% | 0.17% | −0.03 |
| BIV Vanguard Intermediate-Term B | Reduce -14.0% | 0.09% | −0.03 |
| DFEV Dimensional Emrg MRKT Val | Reduce -10.0% | 0.15% | −0.03 |
| IVLU iShares MSCI International V | Reduce -11.5% | 0.14% | −0.02 |
| DEHP Dimensional Emrg MRK Hi Prof | Reduce -7.7% | 0.17% | −0.02 |
| DFAI Dimensional International Co. | Reduce -0.3% | 0.27% | −0.02 |
| AVDV Avantis Intl S/C Value ETF | Reduce -1.0% | 1.30% | −0.01 |
| BLV Vanguard Long-Term Bond ETF | Reduce -0.9% | 0.10% | −0.01 |
| ITOT iShares Core S&P Total U.S. | Reduce -0.9% | 0.17% | −0.01 |
| VXUS Vanguard Total Intl Stock | Reduce -0.9% | 0.10% | −0.01 |
| AAPL Apple Inc. | Reduce -0.5% | 1.68% | +0.15 |
Portfolio Buys Q2 2025 → Q3 2025
| CRWD CrowdStrike Holdings Inc. Class A | New | 1.73% | +1.73 |
| OEF iShares S&P 100 ETF | Add +46.7% | 1.74% | +0.52 |
| DYNF Ishrs US E F R A ETF-Usd Inc. | Add +31.1% | 2.10% | +0.45 |
| BAI Ishrs AI in and Tech Act ETF | Add +135.5% | 0.66% | +0.39 |
| ITA iShares U.S. Aerospace & Def | New | 0.35% | +0.35 |
| SUSC iShares ESG Aware Usd Corpor | New | 0.31% | +0.31 |
| EAGG iShares ESG Aware US Aggrega | New | 0.29% | +0.29 |
| IEMG iShares Core MSCI Emerging | Add +26.8% | 1.37% | +0.26 |
| TLH iShares 10-20 Year Treasury | Add +55.2% | 0.90% | +0.26 |
| LCTU iShares U.S. Carbon Transiti | Add +158.3% | 0.42% | +0.25 |
| DSI iShares ESG MSCI KLD 400 ETF | New | 0.24% | +0.24 |
| IAU iShares Gold Trust | Add +72.8% | 0.53% | +0.23 |
| USXF iShares ESG Advance MSCI USA | New | 0.20% | +0.20 |
| DMXF iShares ESG Advanc MSCI Eafe | New | 0.16% | +0.16 |
| ESGU iShares ESG Aware MSCI USA | Add +39.8% | 0.52% | +0.13 |
| SCHJ Schwab 1-5 YR Corp. BND ETF | New | 0.13% | +0.13 |
| SPEM State Street SP PTF Em ETF | New | 0.12% | +0.12 |
| IVE iShares S&P 500 Value ETF | Add +15.5% | 1.51% | +0.12 |
| VUG Vanguard Mrngstar GR ETF-Sui | Add +9.7% | 1.60% | +0.10 |
| SCHG Schwab US Large-Cap Growth | Add +70.8% | 0.24% | +0.09 |
| HIMU iShares High Yild Muni A ETF | New | 0.09% | +0.09 |
| CEG Constellation Energy | New | 0.09% | +0.09 |
| IAGG iShares Intl Aggregate Bond | Add +33.2% | 0.51% | +0.08 |
| SCHF Schwab Intl Equity ETF | Add +37.2% | 0.30% | +0.07 |
| SUB iShares Short-Term National | Add +22.3% | 0.62% | +0.05 |
| VTV Vanguard Mrngstr Val ETF-Aui | Add +11.9% | 0.87% | +0.04 |
| THRO iShares U.S. Thematic Rotati | Add +10.3% | 0.76% | +0.03 |
| MBB iShares MBS ETF | Add +17.8% | 0.53% | +0.03 |
| BINC iShares Flex I A ETF-Usd Inc. | Add +20.5% | 0.39% | +0.03 |
| DFLV Dim US Large Cap Value ETF | Add +21.8% | 0.20% | +0.03 |
| IVW iShares S&P 500 Growth ETF | Add +3.9% | 1.82% | +0.03 |
| VMBS Vanguard Mortgage-Backed Sec | Add +31.8% | 0.15% | +0.02 |
| MTUM iShares MSCI USA Momentum Fa | Add +9.3% | 0.47% | +0.02 |
| VB Vanguard Most SM-Cap ETF-Usd | Add +12.7% | 0.20% | +0.01 |
| FLDR Fidelity Low Durat Fact ETF | Add +12.1% | 2.50% | +0.00 |
| DFNM Dimensional National Muni BD | Add +9.1% | 0.20% | −0.00 |
| VBR Vngrd Mrngst SL-CP Val ETF-U | Add +1.9% | 0.12% | −0.00 |
| DFGP Dimensional GLBL Core PL Fix | Add +2.2% | 0.10% | −0.01 |
| AVUV Avantis US Small Cap Value | Add +0.0% | 0.33% | −0.01 |
| VTI VG Morningstar TS MKT ETF-US | Add +1.2% | 0.47% | −0.01 |
| DGCB Dimensional Global Credit | Add +4.9% | 0.31% | −0.01 |
| BNDX Vanguard Total Intl Bond ETF | Add +6.3% | 0.26% | −0.01 |
| MUB iShares National Muni Bond E | Add +5.5% | 0.58% | −0.03 |
| IVV iShares Core S&P 500 ETF | Add +3.2% | 3.59% | −0.03 |
| DFEM Dimensional Emrg MRKT Core | Add +2.2% | 2.39% | −0.04 |
| VEA Vanguard Ftse Developed ETF | Add +1.0% | 0.88% | −0.05 |
| BSV Vanguard Short-Term Bond ETF | Add +1.0% | 0.64% | −0.07 |
| QUAL iShares MSCI USA Quality Fac | Add +0.9% | 2.10% | −0.10 |
| DFSV Dimensional US Small Cap Val | Add +1.0% | 4.36% | −0.12 |
| DUHP Dimensional US High Profi Et | Add +2.1% | 4.45% | −0.16 |
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 |