RCS Financial Planning, LLC
In its 13F for Q4 2025 (holdings as of December 31, 2025, filed January 15, 2026), RCS Financial Planning, LLC reported 90 stock positions worth $232.0 million. Its top holding was Dimensional US Core Equity 2 (DFAC) at 12.1% of the portfolio, followed by Dimensional Core Fixed (DFCF, 7.4%) and Fidelity Total Bond ETF (FBND, 7.1%). Compared with Q3 2025, it opened 3 new positions, sold out of 5, added to 43 and reduced 34. The biggest buy was iShares S&P 500 Value ETF (IVE, shares +50%) and the biggest sale iShares MSCI USA Quality Fac (QUAL, shares −32%).
- Most Recent 13F
- Q2 2026
- Location
- ANNAPOLIS, MD
- CIK
- 0001963347
- Portfolio Value
- $232.0M (Q4 2025)
- SEC Filing
- 0001963347-26-000001 ↗ filed Jan 15, 2026
Holdings Value
Holdings 90 stocks · $232.0M
| DFAC Dimensional US Core Equity 2 | 12.05% | 706,410 | $28.0M | Reduce -5.0% |
| DFCF Dimensional Core Fixed Inc. | 7.40% | 403,359 | $17.2M | Add +0.3% |
| FBND Fidelity Total Bond ETF | 7.06% | 353,764 | $16.4M | Reduce -1.4% |
| DFIC Dimensional International Co. | 4.63% | 311,456 | $10.7M | Reduce -4.8% |
| DUHP Dimensional US High Profi Et | 4.37% | 266,588 | $10.1M | Add +0.3% |
| DFSV Dimensional US Small Cap Val | 4.16% | 293,376 | $9.6M | Reduce -5.0% |
| IVV iShares Core S&P 500 ETF | 3.58% | 12,140 | $8.3M | Add +0.2% |
| DFSD Dimensional Short Duration | 3.29% | 159,098 | $7.6M | Add +2.0% |
| FLDR Fidelity Low Durat Fact ETF | 2.63% | 121,192 | $6.1M | Add +8.1% |
| IUSB Ishr CR Unvrse Usd BD ETF-Ui | 2.49% | 124,165 | $5.8M | Reduce -1.0% |
| DFEM Dimensional Emrg MRKT Core | 2.35% | 164,686 | $5.4M | Reduce -2.1% |
| DYNF Ishrs US E F R A ETF-Usd Inc. | 2.27% | 86,670 | $5.3M | Add +8.0% |
| IVE iShares S&P 500 Value ETF | 2.26% | 24,695 | $5.2M | Add +50.0% |
| VTEB Vanguard Tax-Exempt Bond ETF | 2.13% | 98,298 | $4.9M | Add +1.3% |
| IVW iShares S&P 500 Growth ETF | 1.91% | 35,922 | $4.4M | Add +5.3% |
| OEF iShares S&P 100 ETF | 1.86% | 12,564 | $4.3M | Add +6.5% |
| IEMG iShares Core MSCI Emerging | 1.74% | 60,191 | $4.0M | Add +28.7% |
| AAPL Apple Inc. | 1.74% | 14,837 | $4.0M | Reduce -0.2% |
| EFV iShares MSCI Eafe Value ETF | 1.73% | 56,235 | $4.0M | Reduce -6.5% |
| VUG Vanguard Mrngstar GR ETF-Sui | 1.63% | 7,766 | $3.8M | Add +2.9% |
| CRWD CrowdStrike Holdings Inc. Class A | 1.61% | 7,974 | $3.7M | No change |
| QUAL iShares MSCI USA Quality Fac | 1.42% | 16,558 | $3.3M | Reduce -32.2% |
| AVDV Avantis Intl S/C Value ETF | 1.33% | 32,826 | $3.1M | Reduce -0.8% |
| DFAU Dimensional US Core Equity M | 1.06% | 52,499 | $2.5M | Reduce -7.7% |
| VEA Vanguard Ftse Developed ETF | 0.97% | 36,184 | $2.3M | Add +9.5% |
| TLH iShares 10-20 Year Treasury | 0.92% | 21,038 | $2.1M | Add +6.6% |
| VTV Vanguard Mrngstr Val ETF-Aui | 0.90% | 10,889 | $2.1M | Add +4.0% |
| THRO iShares U.S. Thematic Rotati | 0.81% | 48,530 | $1.9M | Add +6.7% |
| BAI Ishrs AI in and Tech Act ETF | 0.73% | 50,893 | $1.7M | Add +17.4% |
| MUB iShares National Muni Bond E | 0.71% | 15,488 | $1.7M | Add +26.5% |
| MTUM iShares MSCI USA Momentum Fa | 0.70% | 6,484 | $1.6M | Add +55.1% |
| ESGU iShares ESG Aware MSCI USA | 0.69% | 10,768 | $1.6M | Add +34.0% |
| DFAR Dimensional US Real Est ETF | 0.68% | 68,909 | $1.6M | Add +0.4% |
| SUB iShares Short-Term National | 0.60% | 13,093 | $1.4M | Add +0.2% |
| IAU iShares Gold Trust | 0.59% | 16,797 | $1.4M | Add +2.4% |
| LCTU iShares U.S. Carbon Transiti | 0.57% | 17,911 | $1.3M | Add +36.5% |
| BSV Vanguard Short-Term Bond ETF | 0.56% | 16,470 | $1.3M | Reduce -10.3% |
| MBB iShares MBS ETF | 0.56% | 13,610 | $1.3M | Add +8.6% |
| MRSH Marsh & McLennan Cos | 0.54% | 6,703 | $1.2M | Reduce -2.9% |
| SUSC iShares ESG Aware Usd Corpor | 0.53% | 52,487 | $1.2M | Add +79.3% |
| IAGG iShares Intl Aggregate Bond | 0.51% | 23,819 | $1.2M | Add +5.1% |
| VTI VG Morningstar TS MKT ETF-US | 0.43% | 2,984 | $1.0M | Reduce -7.2% |
| DISV Dimensional International SM | 0.42% | 25,752 | $979K | Reduce -1.1% |
| VWO Vanguard Ftse Emerging Marke | 0.41% | 17,863 | $960K | Add +12.5% |
| BINC iShares Flex I A ETF-Usd Inc. | 0.41% | 18,162 | $958K | Add +9.5% |
| VV Vngrd Mrgstr LRG-Cap ETF-Usd | 0.41% | 3,027 | $953K | No change |
| DFAE Dimensional Emerging Core Eq | 0.40% | 28,210 | $919K | Reduce -14.9% |
| ITA iShares U.S. Aerospace & Def | 0.39% | 4,253 | $913K | Add +14.1% |
| SCHZ Schwab US Aggregate Bond ETF | 0.39% | 38,421 | $898K | Reduce -4.4% |
| EAGG iShares ESG Aware US Aggrega | 0.37% | 18,121 | $867K | Add +33.9% |
| IEFA iShares Core MSCI Eafe ETF | 0.37% | 9,552 | $855K | Reduce -0.0% |
| EFG iShares MSCI Eafe Growth ETF | 0.34% | 6,939 | $791K | Reduce -12.2% |
| DSI iShares ESG MSCI KLD 400 ETF | 0.34% | 6,118 | $788K | Add +42.7% |
| BNDX Vanguard Total Intl Bond ETF | 0.33% | 15,851 | $766K | Add +34.3% |
| AVUV Avantis US Small Cap Value | 0.32% | 7,376 | $752K | Reduce -1.6% |
| VTES Vanguard SH Term Tax-Ex Bond | 0.31% | 6,990 | $710K | No change |
| DCOR Dimensional US Core Eq 1 ETF | 0.29% | 9,290 | $684K | Reduce -8.1% |
| IYW iShares Ustechnology ETF | 0.29% | 3,414 | $682K | Reduce -1.2% |
| QQQ Invesco QQQ Trust Series 1 | 0.29% | 1,097 | $674K | No change |
| SCHF Schwab Intl Equity ETF | 0.29% | 27,676 | $665K | Reduce -5.1% |
| DFAI Dimensional International Co. | 0.27% | 16,359 | $623K | Reduce -1.2% |
| ESGD iShares Trust iShares ESG Aw | 0.26% | 6,342 | $603K | New |
| SCHG Schwab US Large-Cap Growth | 0.23% | 16,190 | $528K | Reduce -3.0% |
| DGCB Dimensional Global Credit | 0.23% | 9,730 | $528K | Reduce -22.3% |
| USXF iShares ESG Advance MSCI USA | 0.22% | 8,851 | $510K | Add +14.9% |
| DIHP Dimensional International Hi | 0.22% | 15,758 | $499K | Reduce -11.1% |
| VB Vanguard Most SM-Cap ETF-Usd | 0.21% | 1,922 | $496K | Add +10.4% |
| CSX CSX Corp. | 0.21% | 13,190 | $478K | No change |
| DFLV Dim US Large Cap Value ETF | 0.21% | 13,912 | $476K | No change |
| DFNM Dimensional National Muni BD | 0.20% | 9,543 | $460K | Add +3.5% |
| VMBS Vanguard Mortgage-Backed Sec | 0.18% | 8,853 | $417K | Add +19.7% |
| ITOT iShares Core S&P Total U.S. | 0.17% | 2,724 | $405K | Add +2.8% |
| MSFT Microsoft Corp. | 0.16% | 788 | $381K | No change |
| DEHP Dimensional Emrg MRK Hi Prof | 0.16% | 11,706 | $378K | Reduce -9.4% |
| VGT Vanguard Info Tech ETF | 0.16% | 496 | $374K | Reduce -12.8% |
| PG The Procter & Gamble Co. | 0.16% | 2,551 | $366K | Add +0.1% |
| DFEV Dimensional Emrg MRKT Val | 0.14% | 9,590 | $324K | Reduce -11.1% |
| EVUS iShares ESG Aw MSCI US Value | 0.14% | 10,058 | $322K | New |
| XLK SS Technology Select Sector | 0.13% | 2,154 | $310K | No change |
| AVUS Avantis U.S. Equity ETF | 0.13% | 2,683 | $300K | Add +4.0% |
| IVLU iShares MSCI International V | 0.13% | 7,857 | $299K | Reduce -8.5% |
| BIV Vanguard Intermediate-Term B | 0.12% | 3,682 | $287K | Add +36.3% |
| BLV Vanguard Long-Term Bond ETF | 0.12% | 4,031 | $280K | Add +27.5% |
| SCHJ Schwab 1-5 YR Corp. BND ETF | 0.11% | 10,679 | $266K | Reduce -7.3% |
| SPEM State Street SP PTF Em ETF | 0.11% | 5,563 | $260K | Reduce -4.7% |
| VXUS Vanguard Total Intl Stock | 0.11% | 3,350 | $253K | Add +12.9% |
| TLT iShares 20+ Year Treasury BD | 0.11% | 2,895 | $252K | New |
| VBR Vngrd Mrngst SL-CP Val ETF-U | 0.11% | 1,189 | $252K | Reduce -6.0% |
| NVDA Nvidia Corp. | 0.10% | 1,273 | $237K | No change |
| CEG Constellation Energy | 0.09% | 613 | $217K | No change |
Portfolio Sells Q3 2025 → Q4 2025
| QUAL iShares MSCI USA Quality Fac | Reduce -32.2% | 1.42% | −0.69 |
| DFAC Dimensional US Core Equity 2 | Reduce -5.0% | 12.05% | −0.65 |
| FBND Fidelity Total Bond ETF | Reduce -1.4% | 7.06% | −0.31 |
| DFSV Dimensional US Small Cap Val | Reduce -5.0% | 4.16% | −0.20 |
| DMXF iShares ESG Advanc MSCI Eafe | Sold out | 0.00% | −0.16 |
| DFIC Dimensional International Co. | Reduce -4.8% | 4.63% | −0.13 |
| HON Honeywell International Inc. | Sold out | 0.00% | −0.11 |
| IUSB Ishr CR Unvrse Usd BD ETF-Ui | Reduce -1.0% | 2.49% | −0.10 |
| DFGP Dimensional GLBL Core PL Fix | Sold out | 0.00% | −0.10 |
| DFAU Dimensional US Core Equity M | Reduce -7.7% | 1.06% | −0.09 |
| HIMU iShares High Yild Muni A ETF | Sold out | 0.00% | −0.09 |
| IEV iShares Europe ETF | Sold out | 0.00% | −0.09 |
| BSV Vanguard Short-Term Bond ETF | Reduce -10.3% | 0.56% | −0.08 |
| DGCB Dimensional Global Credit | Reduce -22.3% | 0.23% | −0.08 |
| MRSH Marsh & McLennan Cos | Reduce -2.9% | 0.54% | −0.08 |
| EFV iShares MSCI Eafe Value ETF | Reduce -6.5% | 1.73% | −0.07 |
| DFAE Dimensional Emerging Core Eq | Reduce -14.9% | 0.40% | −0.07 |
| EFG iShares MSCI Eafe Growth ETF | Reduce -12.2% | 0.34% | −0.06 |
| DFEM Dimensional Emrg MRKT Core | Reduce -2.1% | 2.35% | −0.04 |
| VTI VG Morningstar TS MKT ETF-US | Reduce -7.2% | 0.43% | −0.04 |
| SCHZ Schwab US Aggregate Bond ETF | Reduce -4.4% | 0.39% | −0.03 |
| DCOR Dimensional US Core Eq 1 ETF | Reduce -8.1% | 0.29% | −0.03 |
| VGT Vanguard Info Tech ETF | Reduce -12.8% | 0.16% | −0.03 |
| DIHP Dimensional International Hi | Reduce -11.1% | 0.22% | −0.02 |
| SCHF Schwab Intl Equity ETF | Reduce -5.1% | 0.29% | −0.01 |
| DFEV Dimensional Emrg MRKT Val | Reduce -11.1% | 0.14% | −0.01 |
| SCHJ Schwab 1-5 YR Corp. BND ETF | Reduce -7.3% | 0.11% | −0.01 |
| DEHP Dimensional Emrg MRK Hi Prof | Reduce -9.4% | 0.16% | −0.01 |
| VBR Vngrd Mrngst SL-CP Val ETF-U | Reduce -6.0% | 0.11% | −0.01 |
| SPEM State Street SP PTF Em ETF | Reduce -4.7% | 0.11% | −0.01 |
| SCHG Schwab US Large-Cap Growth | Reduce -3.0% | 0.23% | −0.01 |
| AVUV Avantis US Small Cap Value | Reduce -1.6% | 0.32% | −0.01 |
| IVLU iShares MSCI International V | Reduce -8.5% | 0.13% | −0.01 |
| IYW iShares Ustechnology ETF | Reduce -1.2% | 0.29% | −0.01 |
| IEFA iShares Core MSCI Eafe ETF | Reduce -0.0% | 0.37% | −0.00 |
| DFAI Dimensional International Co. | Reduce -1.2% | 0.27% | +0.00 |
| DISV Dimensional International SM | Reduce -1.1% | 0.42% | +0.01 |
| AVDV Avantis Intl S/C Value ETF | Reduce -0.8% | 1.33% | +0.02 |
| AAPL Apple Inc. | Reduce -0.2% | 1.74% | +0.06 |
Portfolio Buys Q3 2025 → Q4 2025
| IVE iShares S&P 500 Value ETF | Add +50.0% | 2.26% | +0.75 |
| IEMG iShares Core MSCI Emerging | Add +28.7% | 1.74% | +0.38 |
| ESGD iShares Trust iShares ESG Aw | New | 0.26% | +0.26 |
| MTUM iShares MSCI USA Momentum Fa | Add +55.1% | 0.70% | +0.22 |
| SUSC iShares ESG Aware Usd Corpor | Add +79.3% | 0.53% | +0.22 |
| ESGU iShares ESG Aware MSCI USA | Add +34.0% | 0.69% | +0.17 |
| DYNF Ishrs US E F R A ETF-Usd Inc. | Add +8.0% | 2.27% | +0.17 |
| LCTU iShares U.S. Carbon Transiti | Add +36.5% | 0.57% | +0.15 |
| EVUS iShares ESG Aw MSCI US Value | New | 0.14% | +0.14 |
| MUB iShares National Muni Bond E | Add +26.5% | 0.71% | +0.14 |
| FLDR Fidelity Low Durat Fact ETF | Add +8.1% | 2.63% | +0.13 |
| OEF iShares S&P 100 ETF | Add +6.5% | 1.86% | +0.12 |
| TLT iShares 20+ Year Treasury BD | New | 0.11% | +0.11 |
| DSI iShares ESG MSCI KLD 400 ETF | Add +42.7% | 0.34% | +0.10 |
| VEA Vanguard Ftse Developed ETF | Add +9.5% | 0.97% | +0.10 |
| EAGG iShares ESG Aware US Aggrega | Add +33.9% | 0.37% | +0.09 |
| IVW iShares S&P 500 Growth ETF | Add +5.3% | 1.91% | +0.08 |
| BAI Ishrs AI in and Tech Act ETF | Add +17.4% | 0.73% | +0.07 |
| BNDX Vanguard Total Intl Bond ETF | Add +34.3% | 0.33% | +0.07 |
| IAU iShares Gold Trust | Add +2.4% | 0.59% | +0.06 |
| ITA iShares U.S. Aerospace & Def | Add +14.1% | 0.39% | +0.05 |
| THRO iShares U.S. Thematic Rotati | Add +6.7% | 0.81% | +0.04 |
| VWO Vanguard Ftse Emerging Marke | Add +12.5% | 0.41% | +0.03 |
| MBB iShares MBS ETF | Add +8.6% | 0.56% | +0.03 |
| BIV Vanguard Intermediate-Term B | Add +36.3% | 0.12% | +0.03 |
| VUG Vanguard Mrngstar GR ETF-Sui | Add +2.9% | 1.63% | +0.03 |
| VTV Vanguard Mrngstr Val ETF-Aui | Add +4.0% | 0.90% | +0.03 |
| VMBS Vanguard Mortgage-Backed Sec | Add +19.7% | 0.18% | +0.03 |
| USXF iShares ESG Advance MSCI USA | Add +14.9% | 0.22% | +0.02 |
| TLH iShares 10-20 Year Treasury | Add +6.6% | 0.92% | +0.02 |
| BINC iShares Flex I A ETF-Usd Inc. | Add +9.5% | 0.41% | +0.02 |
| BLV Vanguard Long-Term Bond ETF | Add +27.5% | 0.12% | +0.02 |
| VB Vanguard Most SM-Cap ETF-Usd | Add +10.4% | 0.21% | +0.02 |
| VXUS Vanguard Total Intl Stock | Add +12.9% | 0.11% | +0.01 |
| AVUS Avantis U.S. Equity ETF | Add +4.0% | 0.13% | +0.01 |
| ITOT iShares Core S&P Total U.S. | Add +2.8% | 0.17% | +0.00 |
| DFNM Dimensional National Muni BD | Add +3.5% | 0.20% | +0.00 |
| IAGG iShares Intl Aggregate Bond | Add +5.1% | 0.51% | −0.00 |
| IVV iShares Core S&P 500 ETF | Add +0.2% | 3.58% | −0.01 |
| SUB iShares Short-Term National | Add +0.2% | 0.60% | −0.02 |
| PG The Procter & Gamble Co. | Add +0.1% | 0.16% | −0.02 |
| VTEB Vanguard Tax-Exempt Bond ETF | Add +1.3% | 2.13% | −0.02 |
| DFSD Dimensional Short Duration | Add +2.0% | 3.29% | −0.04 |
| DFAR Dimensional US Real Est ETF | Add +0.4% | 0.68% | −0.04 |
| DUHP Dimensional US High Profi Et | Add +0.3% | 4.37% | −0.08 |
| DFCF Dimensional Core Fixed Inc. | Add +0.3% | 7.40% | −0.22 |
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 |