RCS Financial Planning, LLC
In its 13F for Q2 2026 (holdings as of June 30, 2026, filed July 22, 2026), RCS Financial Planning, LLC reported 102 stock positions worth $211.2 million. Its top holding was Dimensional US Core Equity 2 (DFAC) at 14.7% of the portfolio, followed by Dimensional Core Fixed (DFCF, 8.3%) and Fidelity Total Bond ETF (FBND, 8.0%). Compared with Q1 2026, it opened 7 new positions, sold out of 3, added to 38 and reduced 51. The biggest buy was Dimensional US Core Equity 2 (DFAC, shares +2%) and the biggest sale Dimensional Short Duration (DFSD, shares −1%).
- Most Recent 13F
- Q2 2026
- Location
- ANNAPOLIS, MD
- CIK
- 0001963347
- Portfolio Value
- $211.2M (Q2 2026)
- SEC Filing
- 0001963347-26-000003 ↗ filed Jul 22, 2026
Holdings Value
Holdings 102 stocks · $211.2M
| DFAC Dimensional US Core Equity 2 | 14.67% | 698,638 | $31.0M | Add +2.3% |
| DFCF Dimensional Core Fixed Inc. | 8.27% | 413,979 | $17.5M | Add +0.4% |
| FBND Fidelity Total Bond ETF | 8.03% | 371,465 | $17.0M | Add +0.9% |
| DFSV Dimensional US Small Cap Val | 5.54% | 301,701 | $11.7M | Add +1.9% |
| DFIC Dimensional International Co. | 5.42% | 306,958 | $11.4M | Add +1.0% |
| DUHP Dimensional US High Profi Et | 5.26% | 266,126 | $11.1M | Add +2.9% |
| DFSD Dimensional Short Duration | 3.63% | 160,545 | $7.7M | Reduce -1.2% |
| DFEM Dimensional Emrg MRKT Core | 2.99% | 155,509 | $6.3M | Reduce -4.0% |
| FLDR Fidelity Low Durat Fact ETF | 2.98% | 125,130 | $6.3M | Add +1.8% |
| CRWD CrowdStrike Holdings Inc. Class A | 2.39% | 6,608 | $5.0M | Reduce -15.7% |
| VTEB Vanguard Tax-Exempt Bond ETF | 2.27% | 94,979 | $4.8M | Add +1.0% |
| VUG Vanguard Mrngstar GR ETF-Sui | 1.91% | 46,788 | $4.0M | Reduce -0.9% |
| IVV iShares Core S&P 500 ETF | 1.89% | 5,337 | $4.0M | Add +19.3% |
| AAPL Apple Inc. | 1.83% | 13,374 | $3.9M | Add +1.9% |
| AVDV Avantis Intl S/C Value ETF | 1.46% | 29,877 | $3.1M | Reduce -0.3% |
| VTV Vanguard Mrngstr Val ETF-Aui | 1.31% | 12,711 | $2.8M | Add +0.1% |
| DFAU Dimensional US Core Equity M | 1.24% | 50,501 | $2.6M | Reduce -0.4% |
| MUB iShares National Muni Bond E | 1.17% | 23,025 | $2.5M | Reduce -1.2% |
| VEA Vanguard Ftse Developed ETF | 1.04% | 30,855 | $2.2M | Reduce -5.7% |
| DFAR Dimensional US Real Est ETF | 0.86% | 69,786 | $1.8M | Add +2.0% |
| ESGU iShares ESG Aware MSCI USA | 0.80% | 10,260 | $1.7M | Reduce -3.6% |
| IUSB Ishr CR Unvrse Usd BD ETF-Ui | 0.73% | 33,269 | $1.5M | Add +19.4% |
| SUB iShares Short-Term National | 0.68% | 13,541 | $1.4M | Add +1.9% |
| BSV Vanguard Short-Term Bond ETF | 0.68% | 18,496 | $1.4M | Add +12.4% |
| SUSC iShares ESG Aware Usd Corpor | 0.64% | 58,299 | $1.3M | Add +7.8% |
| QUAL iShares MSCI USA Quality Fac | 0.63% | 6,108 | $1.3M | Reduce -19.1% |
| LCTU iShares U.S. Carbon Transiti | 0.60% | 15,806 | $1.3M | Reduce -3.2% |
| IVW iShares S&P 500 Growth ETF | 0.58% | 8,837 | $1.2M | Reduce -2.9% |
| FSEC Fidelity Invest GRD Secur | 0.56% | 27,097 | $1.2M | Add +0.1% |
| DYNF Ishrs US E F R A ETF-Usd Inc. | 0.56% | 17,362 | $1.2M | Reduce -4.4% |
| DFAE Dimensional Emerging Core Eq | 0.50% | 26,199 | $1.1M | Reduce -5.1% |
| EAGG iShares ESG Aware US Aggrega | 0.49% | 22,013 | $1.0M | Add +7.2% |
| SCHF Schwab Intl Equity ETF | 0.49% | 37,376 | $1.0M | Reduce -1.6% |
| SCHG Schwab US Large-Cap Growth | 0.48% | 30,012 | $1.0M | Add +0.0% |
| VTI VG Morningstar TS MKT ETF-US | 0.48% | 2,718 | $1.0M | Reduce -8.1% |
| FIVA Fidelity Intl Val Fact ETF | 0.47% | 25,944 | $999K | Add +26.3% |
| VWO Vanguard Ftse Emerging Marke | 0.47% | 16,731 | $999K | Reduce -1.6% |
| IVE iShares S&P 500 Value ETF | 0.47% | 4,344 | $986K | Reduce -10.5% |
| VV Vngrd Mrgstr LRG-Cap ETF-Usd | 0.45% | 2,781 | $956K | No change |
| DISV Dimensional International SM | 0.45% | 23,502 | $943K | Reduce -3.0% |
| IEFA iShares Core MSCI Eafe ETF | 0.44% | 9,526 | $920K | Reduce -0.3% |
| AVUV Avantis US Small Cap Value | 0.43% | 7,262 | $906K | Reduce -1.6% |
| IEMG iShares Core MSCI Emerging | 0.43% | 10,860 | $900K | Reduce -14.1% |
| EFV iShares MSCI Eafe Value ETF | 0.42% | 11,678 | $894K | Reduce -26.3% |
| FDRR Fidelity Div ETF Rise Rates | 0.42% | 13,637 | $885K | Reduce -1.1% |
| EFG iShares MSCI Eafe Growth ETF | 0.41% | 7,023 | $874K | Add +0.2% |
| SCHZ Schwab US Aggregate Bond ETF | 0.39% | 35,174 | $814K | Add +2.1% |
| FDMO Fidelity Momentum Factor ETF | 0.37% | 7,983 | $787K | Reduce -10.2% |
| DCOR Dimensional US Core Eq 1 ETF | 0.36% | 9,258 | $759K | No change |
| DSI iShares ESG MSCI KLD 400 ETF | 0.36% | 5,324 | $758K | Reduce -4.9% |
| FDEV Fidelity Intl Multifact ETF | 0.36% | 21,240 | $754K | Reduce -17.2% |
| BNDX Vanguard Total Intl Bond ETF | 0.35% | 15,339 | $743K | Reduce -0.2% |
| FCOR Fidelity Corporate Bond ETF | 0.35% | 15,593 | $738K | Reduce -2.4% |
| VTES Vanguard SH Term Tax-Ex Bond | 0.32% | 6,656 | $674K | No change |
| VB Vanguard Most SM-Cap ETF-Usd | 0.31% | 2,152 | $652K | Add +0.7% |
| TOPT iShares Top 20 US Stocks ETF | 0.31% | 19,683 | $648K | New |
| AVUS Avantis U.S. Equity ETF | 0.30% | 5,021 | $643K | Reduce -0.2% |
| DFAI Dimensional International Co. | 0.30% | 15,562 | $642K | Reduce -1.0% |
| OEF iShares S&P 100 ETF | 0.30% | 1,709 | $625K | Reduce -8.0% |
| ESGD iShares Trust iShares ESG Aw | 0.30% | 6,071 | $624K | Reduce -2.2% |
| CSX CSX Corp. | 0.29% | 13,050 | $620K | No change |
| SPHB Invesco S&P 500 High Beta Et | 0.29% | 3,914 | $609K | Add +25.6% |
| XLK SS Technology Select Sector | 0.28% | 3,050 | $581K | Reduce -2.6% |
| USXF iShares ESG Advance MSCI USA | 0.27% | 8,063 | $560K | Reduce -8.8% |
| VMBS Vanguard Mortgage-Backed Sec | 0.26% | 11,667 | $546K | Add +2.8% |
| LMUB iShares LT National Muni BD | 0.25% | 10,317 | $528K | Add +5.6% |
| IAGG iShares Intl Aggregate Bond | 0.24% | 9,904 | $501K | Reduce -20.9% |
| SCHJ Schwab 1-5 YR Corp. BND ETF | 0.23% | 20,083 | $495K | Add +4.4% |
| FDVV Fidelity High Dividend ETF | 0.23% | 8,180 | $493K | Reduce -20.7% |
| JBND JPMorgan Active Bond ETF | 0.23% | 9,211 | $493K | Add +1.1% |
| DFLV Dim US Large Cap Value ETF | 0.22% | 11,633 | $460K | No change |
| DEHP Dimensional Emrg MRK Hi Prof | 0.21% | 10,357 | $443K | Reduce -7.5% |
| SPEM State Street SP PTF Em ETF | 0.21% | 8,497 | $440K | No change |
| BAI Ishrs AI in and Tech Act ETF | 0.20% | 8,022 | $423K | Reduce -20.4% |
| BLCR iShares LRG CP CR Act ETF-Ui | 0.20% | 8,218 | $414K | Add +5.2% |
| FVAL Fidelity Value Factor ETF | 0.19% | 5,218 | $407K | New |
| THRO iShares U.S. Thematic Rotati | 0.18% | 8,957 | $386K | Reduce -27.2% |
| SPY SS SPDR S&P 500 ETF Trust-US | 0.18% | 514 | $384K | Add +59.1% |
| DFEV Dimensional Emrg MRKT Val | 0.18% | 8,691 | $371K | Reduce -7.1% |
| FLDB Fidelity Low Durat BND ETF | 0.16% | 6,779 | $342K | Add +0.4% |
| DIHP Dimensional International Hi | 0.16% | 10,009 | $342K | Reduce -12.2% |
| FBCG Fidelity Blue Chip Grow ETF | 0.15% | 5,265 | $327K | New |
| MTUM iShares MSCI USA Momentum Fa | 0.15% | 939 | $322K | Reduce -19.1% |
| IYW iShares Ustechnology ETF | 0.15% | 1,274 | $321K | Reduce -33.4% |
| EVUS iShares ESG Aw MSCI US Value | 0.15% | 8,964 | $315K | Add +1.0% |
| RPV Invesco S&P 500 Pure Value E | 0.15% | 2,764 | $315K | Reduce -2.8% |
| DGCB Dimensional Global Credit | 0.14% | 5,457 | $298K | Reduce -43.4% |
| ITOT iShares Core S&P Total U.S. | 0.14% | 1,771 | $291K | Reduce -14.2% |
| PG The Procter & Gamble Co. | 0.14% | 1,977 | $290K | Add +6.8% |
| VXUS Vanguard Total Intl Stock | 0.14% | 3,354 | $287K | Add +0.2% |
| BIV Vanguard Intermediate-Term B | 0.13% | 3,709 | $285K | Add +1.0% |
| VBR Vngrd Mrngst SL-CP Val ETF-U | 0.13% | 1,165 | $283K | Reduce -2.0% |
| DMXF iShares ESG Advanc MSCI Eafe | 0.13% | 3,322 | $281K | Reduce -2.2% |
| BLV Vanguard Long-Term Bond ETF | 0.13% | 4,017 | $277K | Add +0.9% |
| TLH iShares 10-20 Year Treasury | 0.13% | 2,702 | $271K | Reduce -16.1% |
| CORO Ish Intl CTRY Rot Act ETF | 0.13% | 7,368 | $270K | New |
| NVDA Nvidia Corp. | 0.12% | 1,293 | $259K | New |
| VCLT Vanguard Long-Term Corp. Bond | 0.12% | 3,244 | $244K | Add +1.8% |
| IDEF Ishars Def Ind TC Ac ETF-Ui | 0.12% | 7,658 | $243K | Add +4.5% |
| FQAL Fidelity Quality Factor ETF | 0.10% | 2,568 | $209K | Reduce -57.7% |
| IALT Ishrs SYS Alt Act ETF | 0.10% | 7,203 | $202K | New |
| SCHP Schwab U.S. Tips ETF | 0.10% | 7,601 | $201K | New |
Portfolio Sells Q1 2026 → Q2 2026
| DFSD Dimensional Short Duration | Reduce -1.2% | 3.63% | −0.41 |
| SPMO Invesco S&P 500 Momentum ETF | Sold out | 0.00% | −0.30 |
| EFV iShares MSCI Eafe Value ETF | Reduce -26.3% | 0.42% | −0.19 |
| FQAL Fidelity Quality Factor ETF | Reduce -57.7% | 0.10% | −0.13 |
| DGCB Dimensional Global Credit | Reduce -43.4% | 0.14% | −0.13 |
| FDEV Fidelity Intl Multifact ETF | Reduce -17.2% | 0.36% | −0.12 |
| QUAL iShares MSCI USA Quality Fac | Reduce -19.1% | 0.63% | −0.12 |
| GOVT iShares US Treasury Bond ETF | Sold out | 0.00% | −0.11 |
| MUB iShares National Muni Bond E | Reduce -1.2% | 1.17% | −0.11 |
| XOM Exxon Mobil Corp. | Sold out | 0.00% | −0.11 |
| AVDV Avantis Intl S/C Value ETF | Reduce -0.3% | 1.46% | −0.09 |
| IAGG iShares Intl Aggregate Bond | Reduce -20.9% | 0.24% | −0.09 |
| IVE iShares S&P 500 Value ETF | Reduce -10.5% | 0.47% | −0.06 |
| FDVV Fidelity High Dividend ETF | Reduce -20.7% | 0.23% | −0.06 |
| DISV Dimensional International SM | Reduce -3.0% | 0.45% | −0.05 |
| THRO iShares U.S. Thematic Rotati | Reduce -27.2% | 0.18% | −0.05 |
| VEA Vanguard Ftse Developed ETF | Reduce -5.7% | 1.04% | −0.05 |
| FCOR Fidelity Corporate Bond ETF | Reduce -2.4% | 0.35% | −0.04 |
| TLH iShares 10-20 Year Treasury | Reduce -16.1% | 0.13% | −0.04 |
| BNDX Vanguard Total Intl Bond ETF | Reduce -0.2% | 0.35% | −0.03 |
| IEMG iShares Core MSCI Emerging | Reduce -14.1% | 0.43% | −0.03 |
| DIHP Dimensional International Hi | Reduce -12.2% | 0.16% | −0.03 |
| IYW iShares Ustechnology ETF | Reduce -33.4% | 0.15% | −0.03 |
| VTI VG Morningstar TS MKT ETF-US | Reduce -8.1% | 0.48% | −0.02 |
| ITOT iShares Core S&P Total U.S. | Reduce -14.2% | 0.14% | −0.01 |
| DFAI Dimensional International Co. | Reduce -1.0% | 0.30% | −0.01 |
| IEFA iShares Core MSCI Eafe ETF | Reduce -0.3% | 0.44% | −0.01 |
| ESGD iShares Trust iShares ESG Aw | Reduce -2.2% | 0.30% | −0.01 |
| OEF iShares S&P 100 ETF | Reduce -8.0% | 0.30% | −0.01 |
| RPV Invesco S&P 500 Pure Value E | Reduce -2.8% | 0.15% | −0.01 |
| VWO Vanguard Ftse Emerging Marke | Reduce -1.6% | 0.47% | −0.00 |
| FDRR Fidelity Div ETF Rise Rates | Reduce -1.1% | 0.42% | −0.00 |
| VBR Vngrd Mrngst SL-CP Val ETF-U | Reduce -2.0% | 0.13% | +0.00 |
| DMXF iShares ESG Advanc MSCI Eafe | Reduce -2.2% | 0.13% | +0.00 |
| DFEV Dimensional Emrg MRKT Val | Reduce -7.1% | 0.18% | +0.00 |
| SCHF Schwab Intl Equity ETF | Reduce -1.6% | 0.49% | +0.00 |
| FDMO Fidelity Momentum Factor ETF | Reduce -10.2% | 0.37% | +0.00 |
| LCTU iShares U.S. Carbon Transiti | Reduce -3.2% | 0.60% | +0.01 |
| AVUV Avantis US Small Cap Value | Reduce -1.6% | 0.43% | +0.01 |
| DSI iShares ESG MSCI KLD 400 ETF | Reduce -4.9% | 0.36% | +0.01 |
| MTUM iShares MSCI USA Momentum Fa | Reduce -19.1% | 0.15% | +0.01 |
| DYNF Ishrs US E F R A ETF-Usd Inc. | Reduce -4.4% | 0.56% | +0.01 |
| USXF iShares ESG Advance MSCI USA | Reduce -8.8% | 0.27% | +0.01 |
| DEHP Dimensional Emrg MRK Hi Prof | Reduce -7.5% | 0.21% | +0.01 |
| DFAE Dimensional Emerging Core Eq | Reduce -5.1% | 0.50% | +0.01 |
| AVUS Avantis U.S. Equity ETF | Reduce -0.2% | 0.30% | +0.01 |
| ESGU iShares ESG Aware MSCI USA | Reduce -3.6% | 0.80% | +0.01 |
| BAI Ishrs AI in and Tech Act ETF | Reduce -20.4% | 0.20% | +0.03 |
| IVW iShares S&P 500 Growth ETF | Reduce -2.9% | 0.58% | +0.04 |
| DFAU Dimensional US Core Equity M | Reduce -0.4% | 1.24% | +0.05 |
Portfolio Buys Q1 2026 → Q2 2026
| DFAC Dimensional US Core Equity 2 | Add +2.3% | 14.67% | +0.91 |
| IVV iShares Core S&P 500 ETF | Add +19.3% | 1.89% | +0.38 |
| DUHP Dimensional US High Profi Et | Add +2.9% | 5.26% | +0.32 |
| TOPT iShares Top 20 US Stocks ETF | New | 0.31% | +0.31 |
| FVAL Fidelity Value Factor ETF | New | 0.19% | +0.19 |
| DFSV Dimensional US Small Cap Val | Add +1.9% | 5.54% | +0.16 |
| FBCG Fidelity Blue Chip Grow ETF | New | 0.15% | +0.15 |
| CORO Ish Intl CTRY Rot Act ETF | New | 0.13% | +0.13 |
| NVDA Nvidia Corp. | New | 0.12% | +0.12 |
| AAPL Apple Inc. | Add +1.9% | 1.83% | +0.10 |
| FIVA Fidelity Intl Val Fact ETF | Add +26.3% | 0.47% | +0.10 |
| SPHB Invesco S&P 500 High Beta Et | Add +25.6% | 0.29% | +0.10 |
| IALT Ishrs SYS Alt Act ETF | New | 0.10% | +0.10 |
| SCHP Schwab U.S. Tips ETF | New | 0.10% | +0.10 |
| SPY SS SPDR S&P 500 ETF Trust-US | Add +59.1% | 0.18% | +0.07 |
| IUSB Ishr CR Unvrse Usd BD ETF-Ui | Add +19.4% | 0.73% | +0.06 |
| BLCR iShares LRG CP CR Act ETF-Ui | Add +5.2% | 0.20% | +0.03 |
| SCHG Schwab US Large-Cap Growth | Add +0.0% | 0.48% | +0.03 |
| DFAR Dimensional US Real Est ETF | Add +2.0% | 0.86% | +0.03 |
| VTV Vanguard Mrngstr Val ETF-Aui | Add +0.1% | 1.31% | +0.02 |
| VB Vanguard Most SM-Cap ETF-Usd | Add +0.7% | 0.31% | +0.02 |
| BSV Vanguard Short-Term Bond ETF | Add +12.4% | 0.68% | +0.01 |
| EFG iShares MSCI Eafe Growth ETF | Add +0.2% | 0.41% | +0.01 |
| EVUS iShares ESG Aw MSCI US Value | Add +1.0% | 0.15% | +0.00 |
| VXUS Vanguard Total Intl Stock | Add +0.2% | 0.14% | +0.00 |
| PG The Procter & Gamble Co. | Add +6.8% | 0.14% | −0.00 |
| LMUB iShares LT National Muni BD | Add +5.6% | 0.25% | −0.00 |
| VCLT Vanguard Long-Term Corp. Bond | Add +1.8% | 0.12% | −0.01 |
| IDEF Ishars Def Ind TC Ac ETF-Ui | Add +4.5% | 0.12% | −0.01 |
| SUSC iShares ESG Aware Usd Corpor | Add +7.8% | 0.64% | −0.01 |
| BLV Vanguard Long-Term Bond ETF | Add +0.9% | 0.13% | −0.01 |
| EAGG iShares ESG Aware US Aggrega | Add +7.2% | 0.49% | −0.01 |
| SCHJ Schwab 1-5 YR Corp. BND ETF | Add +4.4% | 0.23% | −0.01 |
| BIV Vanguard Intermediate-Term B | Add +1.0% | 0.13% | −0.01 |
| FLDB Fidelity Low Durat BND ETF | Add +0.4% | 0.16% | −0.01 |
| VMBS Vanguard Mortgage-Backed Sec | Add +2.8% | 0.26% | −0.02 |
| JBND JPMorgan Active Bond ETF | Add +1.1% | 0.23% | −0.02 |
| SCHZ Schwab US Aggregate Bond ETF | Add +2.1% | 0.39% | −0.03 |
| SUB iShares Short-Term National | Add +1.9% | 0.68% | −0.05 |
| FSEC Fidelity Invest GRD Secur | Add +0.1% | 0.56% | −0.05 |
| VTEB Vanguard Tax-Exempt Bond ETF | Add +1.0% | 2.27% | −0.16 |
| DFIC Dimensional International Co. | Add +1.0% | 5.42% | −0.18 |
| FLDR Fidelity Low Durat Fact ETF | Add +1.8% | 2.98% | −0.22 |
| FBND Fidelity Total Bond ETF | Add +0.9% | 8.03% | −0.71 |
| DFCF Dimensional Core Fixed Inc. | Add +0.4% | 8.27% | −0.75 |
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 |