RCS Financial Planning, LLC
In its 13F for Q1 2026 (holdings as of March 31, 2026, filed April 21, 2026), RCS Financial Planning, LLC reported 98 stock positions worth $192.8 million. Its top holding was Dimensional US Core Equity 2 (DFAC) at 13.8% of the portfolio, followed by Dimensional Core Fixed (DFCF, 9.0%) and Fidelity Total Bond ETF (FBND, 8.7%). Compared with Q4 2025, it opened 21 new positions, sold out of 13, added to 21 and reduced 54. The biggest buy was Fidelity Total Bond ETF (FBND, shares +4%) and the biggest sale iShares Core S&P 500 ETF (IVV, shares −63%).
- Most Recent 13F
- Q2 2026
- Location
- ANNAPOLIS, MD
- CIK
- 0001963347
- Portfolio Value
- $192.8M (Q1 2026)
- SEC Filing
- 0001963347-26-000002 ↗ filed Apr 21, 2026
Holdings Value
Holdings 98 stocks · $192.8M
| DFAC Dimensional US Core Equity 2 | 13.77% | 682,997 | $26.5M | Reduce -3.3% |
| DFCF Dimensional Core Fixed Inc. | 9.03% | 412,228 | $17.4M | Add +2.2% |
| FBND Fidelity Total Bond ETF | 8.74% | 368,095 | $16.9M | Add +4.0% |
| DFIC Dimensional International Co. | 5.60% | 303,850 | $10.8M | Reduce -2.4% |
| DFSV Dimensional US Small Cap Val | 5.38% | 296,092 | $10.4M | Add +0.9% |
| DUHP Dimensional US High Profi Et | 4.93% | 258,740 | $9.5M | Reduce -2.9% |
| DFSD Dimensional Short Duration | 4.04% | 162,515 | $7.8M | Add +2.1% |
| FLDR Fidelity Low Durat Fact ETF | 3.20% | 122,905 | $6.2M | Add +1.4% |
| DFEM Dimensional Emrg MRKT Core | 2.90% | 161,993 | $5.6M | Reduce -1.6% |
| VTEB Vanguard Tax-Exempt Bond ETF | 2.43% | 94,040 | $4.7M | Reduce -4.3% |
| VUG Vanguard Mrngstar GR ETF-Sui | 1.78% | 7,870 | $3.4M | Add +1.3% |
| AAPL Apple Inc. | 1.73% | 13,129 | $3.3M | Reduce -11.5% |
| CRWD CrowdStrike Holdings Inc. Class A | 1.59% | 7,836 | $3.1M | Reduce -1.7% |
| AVDV Avantis Intl S/C Value ETF | 1.55% | 29,960 | $3.0M | Reduce -8.7% |
| IVV iShares Core S&P 500 ETF | 1.52% | 4,475 | $2.9M | Reduce -63.1% |
| VTV Vanguard Mrngstr Val ETF-Aui | 1.29% | 12,703 | $2.5M | Add +16.7% |
| MUB iShares National Muni Bond E | 1.28% | 23,315 | $2.5M | Add +50.5% |
| DFAU Dimensional US Core Equity M | 1.19% | 50,683 | $2.3M | Reduce -3.5% |
| VEA Vanguard Ftse Developed ETF | 1.09% | 32,733 | $2.1M | Reduce -9.5% |
| DFAR Dimensional US Real Est ETF | 0.84% | 68,418 | $1.6M | Reduce -0.7% |
| ESGU iShares ESG Aware MSCI USA | 0.78% | 10,641 | $1.5M | Reduce -1.2% |
| QUAL iShares MSCI USA Quality Fac | 0.75% | 7,550 | $1.4M | Reduce -54.4% |
| SUB iShares Short-Term National | 0.73% | 13,286 | $1.4M | Add +1.5% |
| BSV Vanguard Short-Term Bond ETF | 0.67% | 16,461 | $1.3M | Reduce -0.1% |
| IUSB Ishr CR Unvrse Usd BD ETF-Ui | 0.67% | 27,868 | $1.3M | Reduce -77.6% |
| SUSC iShares ESG Aware Usd Corpor | 0.65% | 54,099 | $1.3M | Add +3.1% |
| FSEC Fidelity Invest GRD Secur | 0.62% | 27,082 | $1.2M | New |
| EFV iShares MSCI Eafe Value ETF | 0.61% | 15,846 | $1.2M | Reduce -71.8% |
| LCTU iShares U.S. Carbon Transiti | 0.59% | 16,333 | $1.1M | Reduce -8.8% |
| DYNF Ishrs US E F R A ETF-Usd Inc. | 0.55% | 18,157 | $1.1M | Reduce -79.0% |
| IVW iShares S&P 500 Growth ETF | 0.53% | 9,099 | $1.0M | Reduce -74.7% |
| IVE iShares S&P 500 Value ETF | 0.53% | 4,854 | $1.0M | Reduce -80.3% |
| EAGG iShares ESG Aware US Aggrega | 0.51% | 20,532 | $976K | Add +13.3% |
| DISV Dimensional International SM | 0.50% | 24,229 | $956K | Reduce -5.9% |
| VTI VG Morningstar TS MKT ETF-US | 0.49% | 2,959 | $949K | Reduce -0.8% |
| SCHF Schwab Intl Equity ETF | 0.49% | 37,981 | $940K | Add +37.2% |
| DFAE Dimensional Emerging Core Eq | 0.48% | 27,607 | $935K | Reduce -2.1% |
| VWO Vanguard Ftse Emerging Marke | 0.48% | 16,999 | $919K | Reduce -4.8% |
| FDEV Fidelity Intl Multifact ETF | 0.47% | 25,664 | $916K | New |
| IEMG iShares Core MSCI Emerging | 0.46% | 12,639 | $882K | Reduce -79.0% |
| SCHG Schwab US Large-Cap Growth | 0.45% | 30,002 | $874K | Add +85.3% |
| IEFA iShares Core MSCI Eafe ETF | 0.45% | 9,558 | $865K | Add +0.1% |
| VV Vngrd Mrgstr LRG-Cap ETF-Usd | 0.43% | 2,781 | $831K | Reduce -8.1% |
| AVUV Avantis US Small Cap Value | 0.42% | 7,376 | $815K | No change |
| FDRR Fidelity Div ETF Rise Rates | 0.42% | 13,782 | $810K | New |
| SCHZ Schwab US Aggregate Bond ETF | 0.42% | 34,461 | $800K | Reduce -10.3% |
| EFG iShares MSCI Eafe Growth ETF | 0.41% | 7,010 | $781K | Add +1.0% |
| FCOR Fidelity Corporate Bond ETF | 0.39% | 15,981 | $756K | New |
| BNDX Vanguard Total Intl Bond ETF | 0.38% | 15,374 | $739K | Reduce -3.0% |
| FIVA Fidelity Intl Val Fact ETF | 0.37% | 20,548 | $715K | New |
| FDMO Fidelity Momentum Factor ETF | 0.37% | 8,890 | $712K | New |
| DSI iShares ESG MSCI KLD 400 ETF | 0.35% | 5,598 | $678K | Reduce -8.5% |
| VTES Vanguard SH Term Tax-Ex Bond | 0.35% | 6,656 | $673K | Reduce -4.8% |
| DCOR Dimensional US Core Eq 1 ETF | 0.35% | 9,258 | $667K | Reduce -0.3% |
| IAGG iShares Intl Aggregate Bond | 0.33% | 12,527 | $627K | Reduce -47.4% |
| DFAI Dimensional International Co. | 0.32% | 15,714 | $612K | Reduce -3.9% |
| ESGD iShares Trust iShares ESG Aw | 0.31% | 6,210 | $594K | Reduce -2.1% |
| OEF iShares S&P 100 ETF | 0.31% | 1,858 | $591K | Reduce -85.2% |
| SPMO Invesco S&P 500 Momentum ETF | 0.30% | 5,203 | $583K | New |
| FDVV Fidelity High Dividend ETF | 0.30% | 10,310 | $570K | New |
| VB Vanguard Most SM-Cap ETF-Usd | 0.29% | 2,137 | $560K | Add +11.2% |
| AVUS Avantis U.S. Equity ETF | 0.29% | 5,031 | $559K | Add +87.5% |
| CSX CSX Corp. | 0.28% | 13,050 | $536K | Reduce -1.1% |
| VMBS Vanguard Mortgage-Backed Sec | 0.28% | 11,353 | $533K | Add +28.2% |
| DGCB Dimensional Global Credit | 0.27% | 9,644 | $522K | Reduce -0.9% |
| JBND JPMorgan Active Bond ETF | 0.25% | 9,113 | $490K | New |
| LMUB iShares LT National Muni BD | 0.25% | 9,773 | $488K | New |
| USXF iShares ESG Advance MSCI USA | 0.25% | 8,837 | $488K | Reduce -0.2% |
| SCHJ Schwab 1-5 YR Corp. BND ETF | 0.25% | 19,241 | $476K | Add +80.2% |
| THRO iShares U.S. Thematic Rotati | 0.23% | 12,311 | $446K | Reduce -74.6% |
| FQAL Fidelity Quality Factor ETF | 0.23% | 6,067 | $440K | New |
| XLK SS Technology Select Sector | 0.22% | 3,130 | $416K | Add +45.3% |
| DFLV Dim US Large Cap Value ETF | 0.22% | 11,633 | $415K | Reduce -16.4% |
| SPEM State Street SP PTF Em ETF | 0.21% | 8,497 | $399K | Add +52.7% |
| DEHP Dimensional Emrg MRK Hi Prof | 0.20% | 11,197 | $378K | Reduce -4.3% |
| DIHP Dimensional International Hi | 0.19% | 11,399 | $367K | Reduce -27.7% |
| SPHB Invesco S&P 500 High Beta Et | 0.19% | 3,117 | $361K | New |
| IYW iShares Ustechnology ETF | 0.18% | 1,913 | $347K | Reduce -44.0% |
| FLDB Fidelity Low Durat BND ETF | 0.18% | 6,749 | $341K | New |
| DFEV Dimensional Emrg MRKT Val | 0.17% | 9,357 | $335K | Reduce -2.4% |
| BAI Ishrs AI in and Tech Act ETF | 0.17% | 10,077 | $332K | Reduce -80.2% |
| TLH iShares 10-20 Year Treasury | 0.17% | 3,220 | $324K | Reduce -84.7% |
| BLCR iShares LRG CP CR Act ETF-Ui | 0.17% | 7,812 | $321K | New |
| RPV Invesco S&P 500 Pure Value E | 0.16% | 2,843 | $305K | New |
| ITOT iShares Core S&P Total U.S. | 0.15% | 2,064 | $294K | Reduce -24.2% |
| BIV Vanguard Intermediate-Term B | 0.15% | 3,672 | $283K | Reduce -0.3% |
| EVUS iShares ESG Aw MSCI US Value | 0.15% | 8,878 | $283K | Reduce -11.7% |
| MTUM iShares MSCI USA Momentum Fa | 0.14% | 1,161 | $279K | Reduce -82.1% |
| BLV Vanguard Long-Term Bond ETF | 0.14% | 3,980 | $274K | Reduce -1.3% |
| PG The Procter & Gamble Co. | 0.14% | 1,851 | $267K | Reduce -27.4% |
| VBR Vngrd Mrngst SL-CP Val ETF-U | 0.13% | 1,189 | $258K | No change |
| VXUS Vanguard Total Intl Stock | 0.13% | 3,347 | $258K | Reduce -0.1% |
| DMXF iShares ESG Advanc MSCI Eafe | 0.13% | 3,396 | $256K | New |
| IDEF Ishars Def Ind TC Ac ETF-Ui | 0.12% | 7,327 | $240K | New |
| VCLT Vanguard Long-Term Corp. Bond | 0.12% | 3,186 | $238K | New |
| GOVT iShares US Treasury Bond ETF | 0.11% | 9,380 | $215K | New |
| SPY SS SPDR S&P 500 ETF Trust-US | 0.11% | 323 | $211K | New |
| XOM Exxon Mobil Corp. | 0.11% | 1,213 | $206K | New |
Portfolio Sells Q4 2025 → Q1 2026
| IVV iShares Core S&P 500 ETF | Reduce -63.1% | 1.52% | −2.07 |
| IUSB Ishr CR Unvrse Usd BD ETF-Ui | Reduce -77.6% | 0.67% | −1.82 |
| IVE iShares S&P 500 Value ETF | Reduce -80.3% | 0.53% | −1.73 |
| DYNF Ishrs US E F R A ETF-Usd Inc. | Reduce -79.0% | 0.55% | −1.72 |
| OEF iShares S&P 100 ETF | Reduce -85.2% | 0.31% | −1.55 |
| IVW iShares S&P 500 Growth ETF | Reduce -74.7% | 0.53% | −1.37 |
| IEMG iShares Core MSCI Emerging | Reduce -79.0% | 0.46% | −1.29 |
| EFV iShares MSCI Eafe Value ETF | Reduce -71.8% | 0.61% | −1.12 |
| TLH iShares 10-20 Year Treasury | Reduce -84.7% | 0.17% | −0.75 |
| QUAL iShares MSCI USA Quality Fac | Reduce -54.4% | 0.75% | −0.67 |
| IAU iShares Gold Trust | Sold out | 0.00% | −0.59 |
| THRO iShares U.S. Thematic Rotati | Reduce -74.6% | 0.23% | −0.58 |
| MBB iShares MBS ETF | Sold out | 0.00% | −0.56 |
| BAI Ishrs AI in and Tech Act ETF | Reduce -80.2% | 0.17% | −0.56 |
| MTUM iShares MSCI USA Momentum Fa | Reduce -82.1% | 0.14% | −0.56 |
| MRSH Marsh & McLennan Cos | Sold out | 0.00% | −0.54 |
| BINC iShares Flex I A ETF-Usd Inc. | Sold out | 0.00% | −0.41 |
| ITA iShares U.S. Aerospace & Def | Sold out | 0.00% | −0.39 |
| QQQ Invesco QQQ Trust Series 1 | Sold out | 0.00% | −0.29 |
| DFNM Dimensional National Muni BD | Sold out | 0.00% | −0.20 |
| IAGG iShares Intl Aggregate Bond | Reduce -47.4% | 0.33% | −0.19 |
| MSFT Microsoft Corp. | Sold out | 0.00% | −0.16 |
| VGT Vanguard Info Tech ETF | Sold out | 0.00% | −0.16 |
| IVLU iShares MSCI International V | Sold out | 0.00% | −0.13 |
| IYW iShares Ustechnology ETF | Reduce -44.0% | 0.18% | −0.11 |
| TLT iShares 20+ Year Treasury BD | Sold out | 0.00% | −0.11 |
| NVDA Nvidia Corp. | Sold out | 0.00% | −0.10 |
| CEG Constellation Energy | Sold out | 0.00% | −0.09 |
| DIHP Dimensional International Hi | Reduce -27.7% | 0.19% | −0.02 |
| CRWD CrowdStrike Holdings Inc. Class A | Reduce -1.7% | 1.59% | −0.02 |
| ITOT iShares Core S&P Total U.S. | Reduce -24.2% | 0.15% | −0.02 |
| PG The Procter & Gamble Co. | Reduce -27.4% | 0.14% | −0.02 |
| AAPL Apple Inc. | Reduce -11.5% | 1.73% | −0.01 |
| EVUS iShares ESG Aw MSCI US Value | Reduce -11.7% | 0.15% | +0.01 |
| DFLV Dim US Large Cap Value ETF | Reduce -16.4% | 0.22% | +0.01 |
| DSI iShares ESG MSCI KLD 400 ETF | Reduce -8.5% | 0.35% | +0.01 |
| VV Vngrd Mrgstr LRG-Cap ETF-Usd | Reduce -8.1% | 0.43% | +0.02 |
| BLV Vanguard Long-Term Bond ETF | Reduce -1.3% | 0.14% | +0.02 |
| LCTU iShares U.S. Carbon Transiti | Reduce -8.8% | 0.59% | +0.02 |
| BIV Vanguard Intermediate-Term B | Reduce -0.3% | 0.15% | +0.02 |
| VXUS Vanguard Total Intl Stock | Reduce -0.1% | 0.13% | +0.03 |
| SCHZ Schwab US Aggregate Bond ETF | Reduce -10.3% | 0.42% | +0.03 |
| USXF iShares ESG Advance MSCI USA | Reduce -0.2% | 0.25% | +0.03 |
| DEHP Dimensional Emrg MRK Hi Prof | Reduce -4.3% | 0.20% | +0.03 |
| DFEV Dimensional Emrg MRKT Val | Reduce -2.4% | 0.17% | +0.03 |
| VTES Vanguard SH Term Tax-Ex Bond | Reduce -4.8% | 0.35% | +0.04 |
| DGCB Dimensional Global Credit | Reduce -0.9% | 0.27% | +0.04 |
| ESGD iShares Trust iShares ESG Aw | Reduce -2.1% | 0.31% | +0.05 |
| DFAI Dimensional International Co. | Reduce -3.9% | 0.32% | +0.05 |
| DCOR Dimensional US Core Eq 1 ETF | Reduce -0.3% | 0.35% | +0.05 |
Portfolio Buys Q4 2025 → Q1 2026
| FBND Fidelity Total Bond ETF | Add +4.0% | 8.74% | +1.68 |
| DFCF Dimensional Core Fixed Inc. | Add +2.2% | 9.03% | +1.63 |
| DFSV Dimensional US Small Cap Val | Add +0.9% | 5.38% | +1.22 |
| DFSD Dimensional Short Duration | Add +2.1% | 4.04% | +0.75 |
| FSEC Fidelity Invest GRD Secur | New | 0.62% | +0.62 |
| MUB iShares National Muni Bond E | Add +50.5% | 1.28% | +0.57 |
| FLDR Fidelity Low Durat Fact ETF | Add +1.4% | 3.20% | +0.57 |
| FDEV Fidelity Intl Multifact ETF | New | 0.47% | +0.47 |
| FDRR Fidelity Div ETF Rise Rates | New | 0.42% | +0.42 |
| VTV Vanguard Mrngstr Val ETF-Aui | Add +16.7% | 1.29% | +0.40 |
| FCOR Fidelity Corporate Bond ETF | New | 0.39% | +0.39 |
| FIVA Fidelity Intl Val Fact ETF | New | 0.37% | +0.37 |
| FDMO Fidelity Momentum Factor ETF | New | 0.37% | +0.37 |
| SPMO Invesco S&P 500 Momentum ETF | New | 0.30% | +0.30 |
| FDVV Fidelity High Dividend ETF | New | 0.30% | +0.30 |
| JBND JPMorgan Active Bond ETF | New | 0.25% | +0.25 |
| LMUB iShares LT National Muni BD | New | 0.25% | +0.25 |
| FQAL Fidelity Quality Factor ETF | New | 0.23% | +0.23 |
| SCHG Schwab US Large-Cap Growth | Add +85.3% | 0.45% | +0.23 |
| SCHF Schwab Intl Equity ETF | Add +37.2% | 0.49% | +0.20 |
| SPHB Invesco S&P 500 High Beta Et | New | 0.19% | +0.19 |
| FLDB Fidelity Low Durat BND ETF | New | 0.18% | +0.18 |
| BLCR iShares LRG CP CR Act ETF-Ui | New | 0.17% | +0.17 |
| AVUS Avantis U.S. Equity ETF | Add +87.5% | 0.29% | +0.16 |
| RPV Invesco S&P 500 Pure Value E | New | 0.16% | +0.16 |
| VUG Vanguard Mrngstar GR ETF-Sui | Add +1.3% | 1.78% | +0.15 |
| DMXF iShares ESG Advanc MSCI Eafe | New | 0.13% | +0.13 |
| EAGG iShares ESG Aware US Aggrega | Add +13.3% | 0.51% | +0.13 |
| SCHJ Schwab 1-5 YR Corp. BND ETF | Add +80.2% | 0.25% | +0.13 |
| SUB iShares Short-Term National | Add +1.5% | 0.73% | +0.13 |
| IDEF Ishars Def Ind TC Ac ETF-Ui | New | 0.12% | +0.12 |
| VCLT Vanguard Long-Term Corp. Bond | New | 0.12% | +0.12 |
| SUSC iShares ESG Aware Usd Corpor | Add +3.1% | 0.65% | +0.12 |
| GOVT iShares US Treasury Bond ETF | New | 0.11% | +0.11 |
| SPY SS SPDR S&P 500 ETF Trust-US | New | 0.11% | +0.11 |
| XOM Exxon Mobil Corp. | New | 0.11% | +0.11 |
| VMBS Vanguard Mortgage-Backed Sec | Add +28.2% | 0.28% | +0.10 |
| SPEM State Street SP PTF Em ETF | Add +52.7% | 0.21% | +0.09 |
| XLK SS Technology Select Sector | Add +45.3% | 0.22% | +0.08 |
| IEFA iShares Core MSCI Eafe ETF | Add +0.1% | 0.45% | +0.08 |
| VB Vanguard Most SM-Cap ETF-Usd | Add +11.2% | 0.29% | +0.08 |
| EFG iShares MSCI Eafe Growth ETF | Add +1.0% | 0.41% | +0.06 |
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 |