Retirement Capital Strategies
In its 13F for Q3 2024 (holdings as of September 30, 2024, filed November 12, 2024), Retirement Capital Strategies reported 65 stock positions worth $255.5 million. Its top holding was Vanguard S&P 500 ETF (VOO) at 15.7% of the portfolio, followed by SS SPDR S&P 500 ESG ETF (EFIV, 15.0%) and iShares Core U.S. Aggregate (AGG, 6.8%). Compared with Q2 2024, it opened 18 new positions, sold out of 19, added to 13 and reduced 19. The biggest buy was a new position in iShares Core U.S. Aggregate (AGG) and the biggest sale iShares 0-3 Month Treasury B (SGOV, shares −98%).
- Most Recent 13F
- Q2 2026
- Location
- SAN JOSE, CA
- CIK
- 0001672681
- Portfolio Value
- $255.5M (Q3 2024)
- SEC Filing
- 0001214659-24-018679 ↗ filed Nov 12, 2024
Holdings Value
Holdings 65 stocks · $255.5M
| VOO Vanguard S&P 500 ETF | 15.72% | 76,102 | $40.2M | Reduce -2.3% |
| EFIV SS SPDR S&P 500 ESG ETF | 14.95% | 685,255 | $38.2M | Reduce -1.8% |
| AGG iShares Core U.S. Aggregate | 6.75% | 170,388 | $17.3M | New |
| IUSB Ishr CR Unvrse Usd BD ETF-Ui | 6.67% | 361,921 | $17.1M | Add +2963.8% |
| SPTM SS SPDR P S&P 1500 Comp ETF | 4.90% | 178,776 | $12.5M | Reduce -2.4% |
| BIV Vanguard Intermediate-Term B | 4.80% | 156,657 | $12.3M | Add +376.1% |
| EUSB Ishr ESG Advn Universal BD-$ | 4.15% | 239,119 | $10.6M | New |
| ESGV Vanguard ESG US Stock ETF | 3.65% | 91,678 | $9.3M | Add +69.7% |
| AAPL Apple Inc. | 2.65% | 29,082 | $6.8M | Reduce -1.1% |
| TLH iShares 10-20 Year Treasury | 2.49% | 58,293 | $6.4M | Add +13.4% |
| ITOT iShares Core S&P Total U.S. | 2.05% | 41,736 | $5.2M | Reduce -4.1% |
| TLT iShares 20+ Year Treasury BD | 1.80% | 46,810 | $4.6M | Reduce -5.4% |
| MMM 3M Co. | 1.79% | 33,428 | $4.6M | No change |
| FOVL iShares Focused Value Factor | 1.69% | 63,441 | $4.3M | New |
| USMV iShares MSCI USA Min Vol Fac | 1.69% | 47,201 | $4.3M | New |
| XLRE SS Real Estate Select Sector | 1.41% | 80,861 | $3.6M | New |
| VNQ Vanguard Real Estate ETF | 1.22% | 32,028 | $3.1M | New |
| ANET Arista Networks Inc. | 1.19% | 7,923 | $3.0M | Add +0.2% |
| MSFT Microsoft Corp. | 1.14% | 6,767 | $2.9M | Reduce -2.3% |
| IEF iShares 7-10 Year Treasury B | 1.14% | 29,626 | $2.9M | New |
| MBB iShares MBS ETF | 1.13% | 30,121 | $2.9M | Add +64.9% |
| MGC Vngrd Mrngstr MG Cap ETF-Usd | 1.12% | 13,817 | $2.9M | Reduce -1.9% |
| SNPE Xtrckr S&P 500 Scor&scrn ETF | 1.10% | 53,423 | $2.8M | Add +2.2% |
| EAGG iShares ESG Aware US Aggrega | 1.06% | 55,764 | $2.7M | New |
| NUBD Nuveen ESG US Aggregate Bond | 0.95% | 106,388 | $2.4M | New |
| XVV iShares ESG Select Screened | 0.93% | 53,557 | $2.4M | Reduce -63.7% |
| LPLA LPL Financial Holdings Inc. | 0.91% | 10,041 | $2.3M | No change |
| SUSA iShares ESG Optimized MSCI U | 0.86% | 18,311 | $2.2M | New |
| SUSL iShares ESG MSCI USA Leaders | 0.76% | 19,211 | $2.0M | Reduce -47.5% |
| VTI VG Morningstar TS MKT ETF-US | 0.60% | 5,434 | $1.5M | Add +2.0% |
| NVDA Nvidia Corp. | 0.59% | 12,500 | $1.5M | Add +5.4% |
| SPMB SS SPDR P Mort Back Bond ETF | 0.58% | 65,922 | $1.5M | Reduce -0.5% |
| MUB iShares National Muni Bond E | 0.55% | 12,818 | $1.4M | Reduce -5.9% |
| EDV Vanguard Extended Dur Treas | 0.53% | 17,095 | $1.4M | Reduce -5.5% |
| ETN Eaton Corp. PLC | 0.52% | 3,996 | $1.3M | No change |
| ESGU iShares ESG Aware MSCI USA | 0.42% | 8,525 | $1.1M | Reduce -2.6% |
| XLF SS Financial Select Sector | 0.38% | 21,527 | $976K | New |
| SKYY First Trust Cloud Computing | 0.38% | 9,443 | $966K | Add +162.4% |
| IVV iShares Core S&P 500 ETF | 0.34% | 1,512 | $872K | No change |
| MDY State Street SPDR S&P Midcap | 0.33% | 1,502 | $856K | No change |
| USSG Xtrackers MSCI USA Sele Eqty | 0.33% | 15,768 | $840K | Reduce -28.8% |
| LDEM iShares ESG MSCI Em Leaders | 0.33% | 16,504 | $830K | New |
| CSCO Cisco Systems Inc. | 0.30% | 14,200 | $756K | No change |
| SOLV Solventum Corp. | 0.23% | 8,357 | $583K | No change |
| CDNS Cadence Design SYS Inc. | 0.23% | 2,121 | $575K | Reduce -44.4% |
| TSLA Tesla Inc. | 0.23% | 2,197 | $575K | Reduce -11.5% |
| VV Vngrd Mrgstr LRG-Cap ETF-Usd | 0.22% | 2,153 | $567K | Add +0.9% |
| XJR Ishr ESG SS S&P Smal-Cap-Usd | 0.17% | 10,533 | $440K | New |
| BND Vanguard Total Bond Market | 0.17% | 5,829 | $438K | Add +6.3% |
| VONE Vanguard Russell 1000 | 0.16% | 1,568 | $408K | Add +1.4% |
| SGOV iShares 0-3 Month Treasury B | 0.15% | 3,869 | $390K | Reduce -98.0% |
| XLV SS Health Care Select Sector | 0.15% | 2,451 | $378K | No change |
| GE General Electric filed as GE AEROSPACE | 0.15% | 1,991 | $375K | No change |
| FPWR First Trust Eip Power Soluti | 0.14% | 12,178 | $354K | No change |
| GBLD Invesco MSCI Building ETF | 0.13% | 18,768 | $344K | New |
| SHY iShares 1-3 Year Treasury Bo | 0.13% | 3,981 | $331K | Reduce -4.5% |
| INTC Intel Corp. | 0.13% | 13,991 | $328K | No change |
| ERTH Invesco MSCI Sustainable Fut | 0.12% | 7,026 | $317K | New |
| NUDV Nuveen ESG Dividend ETF | 0.12% | 10,481 | $311K | New |
| STIP iShares 0-5 Year Tips Bond E | 0.12% | 3,066 | $311K | No change |
| IHAK iShares Cybersecurity & Tech | 0.12% | 6,311 | $308K | No change |
| DFAC Dimensional US Core Equity 2 | 0.10% | 7,114 | $244K | No change |
| VB Vanguard Most SM-Cap ETF-Usd | 0.08% | 907 | $215K | New |
| RSP Invesco S&P 500 Equal Weight | 0.08% | 1,198 | $215K | New |
| KEZAR LIFE SCIENCES INC | 0.00% | 15,000 | $12K | No change |
Portfolio Sells Q2 2024 → Q3 2024
| SGOV iShares 0-3 Month Treasury B | Reduce -98.0% | 0.15% | −7.80 |
| TFLO iShares Treasury Floating Ra | Sold out | 0.00% | −6.80 |
| GSY Invesco Ultra Short Duration | Sold out | 0.00% | −6.44 |
| IUSG iShares Core S&P U.S. Growth | Sold out | 0.00% | −1.80 |
| XLU St Sr Utl SL SE SPDR ETF-Usd | Sold out | 0.00% | −1.62 |
| XVV iShares ESG Select Screened | Reduce -63.7% | 0.93% | −1.56 |
| MGK Vngrd Mrgstr MG CP GR ETF-Ui | Sold out | 0.00% | −1.45 |
| VGT Vanguard Info Tech ETF | Sold out | 0.00% | −1.29 |
| BNDW Vanguard Total World Bond Et | Sold out | 0.00% | −1.21 |
| BIL SS SPDR BB 1-3M T-Bill ETF | Sold out | 0.00% | −1.08 |
| BILS SS Spdrb B 3-12M T-Bill ETF | Sold out | 0.00% | −1.04 |
| SUSL iShares ESG MSCI USA Leaders | Reduce -47.5% | 0.76% | −0.67 |
| SOXX iShares Semiconductor ETF | Sold out | 0.00% | −0.51 |
| ITM Vaneck Intermediate Muni ETF | Sold out | 0.00% | −0.46 |
| HYXF iShares ESG Adv High Yield | Sold out | 0.00% | −0.44 |
| VOOG Vanguard S&P 500 Growth ETF | Sold out | 0.00% | −0.42 |
| USXF iShares ESG Advance MSCI USA | Sold out | 0.00% | −0.32 |
| CDNS Cadence Design SYS Inc. | Reduce -44.4% | 0.23% | −0.25 |
| NULC Nuveen ESG Large-Cap ETF | Sold out | 0.00% | −0.22 |
| J P MORGAN EXCHANGE TRADED F | Sold out | 0.00% | −0.18 |
| FAN First Trust Global Wind Ener | Sold out | 0.00% | −0.13 |
| USSG Xtrackers MSCI USA Sele Eqty | Reduce -28.8% | 0.33% | −0.13 |
| NULG Nuveen ESG LRG-Cap GRW ETF | Sold out | 0.00% | −0.11 |
| MSFT Microsoft Corp. | Reduce -2.3% | 1.14% | −0.10 |
| AMZN Amazon.com Inc. | Sold out | 0.00% | −0.09 |
| MUB iShares National Muni Bond E | Reduce -5.9% | 0.55% | −0.04 |
| TLT iShares 20+ Year Treasury BD | Reduce -5.4% | 1.80% | −0.03 |
| ITOT iShares Core S&P Total U.S. | Reduce -4.1% | 2.05% | −0.02 |
| SHY iShares 1-3 Year Treasury Bo | Reduce -4.5% | 0.13% | −0.01 |
| EDV Vanguard Extended Dur Treas | Reduce -5.5% | 0.53% | +0.00 |
| ESGU iShares ESG Aware MSCI USA | Reduce -2.6% | 0.42% | +0.00 |
| MGC Vngrd Mrngstr MG Cap ETF-Usd | Reduce -1.9% | 1.12% | +0.00 |
| SPMB SS SPDR P Mort Back Bond ETF | Reduce -0.5% | 0.58% | +0.01 |
| TSLA Tesla Inc. | Reduce -11.5% | 0.23% | +0.03 |
| SPTM SS SPDR P S&P 1500 Comp ETF | Reduce -2.4% | 4.90% | +0.03 |
| EFIV SS SPDR S&P 500 ESG ETF | Reduce -1.8% | 14.95% | +0.09 |
| VOO Vanguard S&P 500 ETF | Reduce -2.3% | 15.72% | +0.10 |
| AAPL Apple Inc. | Reduce -1.1% | 2.65% | +0.17 |
Portfolio Buys Q2 2024 → Q3 2024
| AGG iShares Core U.S. Aggregate | New | 6.75% | +6.75 |
| IUSB Ishr CR Unvrse Usd BD ETF-Ui | Add +2963.8% | 6.67% | +6.46 |
| EUSB Ishr ESG Advn Universal BD-$ | New | 4.15% | +4.15 |
| BIV Vanguard Intermediate-Term B | Add +376.1% | 4.80% | +3.82 |
| FOVL iShares Focused Value Factor | New | 1.69% | +1.69 |
| USMV iShares MSCI USA Min Vol Fac | New | 1.69% | +1.69 |
| ESGV Vanguard ESG US Stock ETF | Add +69.7% | 3.65% | +1.55 |
| XLRE SS Real Estate Select Sector | New | 1.41% | +1.41 |
| VNQ Vanguard Real Estate ETF | New | 1.22% | +1.22 |
| IEF iShares 7-10 Year Treasury B | New | 1.14% | +1.14 |
| EAGG iShares ESG Aware US Aggrega | New | 1.06% | +1.06 |
| NUBD Nuveen ESG US Aggregate Bond | New | 0.95% | +0.95 |
| SUSA iShares ESG Optimized MSCI U | New | 0.86% | +0.86 |
| MBB iShares MBS ETF | Add +64.9% | 1.13% | +0.46 |
| XLF SS Financial Select Sector | New | 0.38% | +0.38 |
| TLH iShares 10-20 Year Treasury | Add +13.4% | 2.49% | +0.38 |
| LDEM iShares ESG MSCI Em Leaders | New | 0.33% | +0.33 |
| SKYY First Trust Cloud Computing | Add +162.4% | 0.38% | +0.24 |
| XJR Ishr ESG SS S&P Smal-Cap-Usd | New | 0.17% | +0.17 |
| GBLD Invesco MSCI Building ETF | New | 0.13% | +0.13 |
| ERTH Invesco MSCI Sustainable Fut | New | 0.12% | +0.12 |
| NUDV Nuveen ESG Dividend ETF | New | 0.12% | +0.12 |
| VB Vanguard Most SM-Cap ETF-Usd | New | 0.08% | +0.08 |
| RSP Invesco S&P 500 Equal Weight | New | 0.08% | +0.08 |
| ANET Arista Networks Inc. | Add +0.2% | 1.19% | +0.08 |
| SNPE Xtrckr S&P 500 Scor&scrn ETF | Add +2.2% | 1.10% | +0.05 |
| VTI VG Morningstar TS MKT ETF-US | Add +2.0% | 0.60% | +0.03 |
| BND Vanguard Total Bond Market | Add +6.3% | 0.17% | +0.01 |
| VV Vngrd Mrgstr LRG-Cap ETF-Usd | Add +0.9% | 0.22% | +0.01 |
| NVDA Nvidia Corp. | Add +5.4% | 0.59% | +0.01 |
| VONE Vanguard Russell 1000 | Add +1.4% | 0.16% | +0.01 |
All Filings
| Quarter | Positions | 13F Reported Value | Top Holdings |
|---|---|---|---|
| Q2 2026 | 68 | $288.0M | VT, VTI, BIV, AGG, VOO |
| Q1 2026 | 62 | $264.6M | VT, VTI, BIV, AGG, VOO |
| Q4 2025 | 68 | $269.7M | VT, VTI, BIV, AGG, VOO |
| Q3 2025 | 62 | $260.7M | VT, VTI, BIV, AGG, VOO |
| Q2 2025 | 64 | $252.4M | VT, VTI, BIV, AGG, VOO |
| Q1 2025 | 77 | $256.1M | VOO, ACWI, SPTM, EFIV, AGG |
| Q4 2024 | 77 | $264.0M | VOO, VTHR, BILS, BIL, SPTM |
| Q3 2024 | 65 | $255.5M | VOO, EFIV, AGG, IUSB, SPTM |
| Q2 2024 | 66 | $249.3M | VOO, EFIV, SGOV, TFLO, GSY |
| Q1 2024 | 69 | $244.6M | ESGV, XVV, IUSB, VOO, SPTM |