Retirement Capital Strategies
In its 13F for Q4 2024 (holdings as of December 31, 2024, filed February 7, 2025), Retirement Capital Strategies reported 77 stock positions worth $264.0 million. Its top holding was Vanguard S&P 500 ETF (VOO) at 15.3% of the portfolio, followed by Vanguard Russell 3000 (VTHR, 9.6%) and SS Spdrb B 3-12M T-Bill ETF (BILS, 6.0%). Compared with Q3 2024, it opened 28 new positions, sold out of 16, added to 10 and reduced 25. The biggest buy was a new position in Vanguard Russell 3000 (VTHR) and the biggest sale SS SPDR S&P 500 ESG ETF (EFIV, shares −69%).
- Most Recent 13F
- Q2 2026
- Location
- SAN JOSE, CA
- CIK
- 0001672681
- Portfolio Value
- $264.0M (Q4 2024)
- SEC Filing
- 0001214659-25-002214 ↗ filed Feb 7, 2025
Holdings Value
Holdings 77 stocks · $264.0M
| VOO Vanguard S&P 500 ETF | 15.28% | 74,863 | $40.3M | Reduce -1.6% |
| VTHR Vanguard Russell 3000 | 9.58% | 97,320 | $25.3M | New |
| BILS SS Spdrb B 3-12M T-Bill ETF | 6.02% | 160,238 | $15.9M | New |
| BIL SS SPDR BB 1-3M T-Bill ETF | 4.80% | 138,497 | $12.7M | New |
| SPTM SS SPDR P S&P 1500 Comp ETF | 4.76% | 176,098 | $12.6M | Reduce -1.5% |
| SGOV iShares 0-3 Month Treasury B | 4.56% | 119,999 | $12.0M | Add +3001.6% |
| EFIV SS SPDR S&P 500 ESG ETF | 4.54% | 212,217 | $12.0M | Reduce -69.0% |
| ESGV Vanguard ESG US Stock ETF | 3.53% | 88,735 | $9.3M | Reduce -3.2% |
| EUSB Ishr ESG Advn Universal BD-$ | 2.98% | 185,256 | $7.9M | Reduce -22.5% |
| IUSB Ishr CR Unvrse Usd BD ETF-Ui | 2.88% | 168,271 | $7.6M | Reduce -53.5% |
| AAPL Apple Inc. | 2.66% | 28,058 | $7.0M | Reduce -3.5% |
| AGG iShares Core U.S. Aggregate | 2.63% | 71,689 | $6.9M | Reduce -57.9% |
| HYXF iShares ESG Adv High Yield | 2.27% | 129,938 | $6.0M | New |
| ITOT iShares Core S&P Total U.S. | 1.98% | 40,595 | $5.2M | Reduce -2.7% |
| FOVL iShares Focused Value Factor | 1.69% | 63,916 | $4.5M | Add +0.8% |
| MMM 3M Co. | 1.63% | 33,428 | $4.3M | No change |
| VOX Vanguard Communication Servi | 1.55% | 26,394 | $4.1M | New |
| SKYY First Trust Cloud Computing | 1.39% | 30,741 | $3.7M | Add +225.5% |
| HYG Ishr Ibx Usd Hiyld CB ETF-Ui | 1.37% | 45,911 | $3.6M | New |
| ANET Arista Networks Inc. | 1.33% | 31,708 | $3.5M | No change |
| TFLO iShares Treasury Floating Ra | 1.29% | 67,493 | $3.4M | New |
| LPLA LPL Financial Holdings Inc. | 1.24% | 10,041 | $3.3M | No change |
| VFH Vanguard Financials ETF | 1.18% | 26,359 | $3.1M | New |
| MGC Vngrd Mrngstr MG Cap ETF-Usd | 1.11% | 13,816 | $2.9M | Reduce -0.0% |
| MSFT Microsoft Corp. | 1.07% | 6,732 | $2.8M | Reduce -0.5% |
| SNPE Xtrckr S&P 500 Scor&scrn ETF | 1.03% | 50,969 | $2.7M | Reduce -4.6% |
| GSY Invesco Ultra Short Duration | 1.02% | 53,679 | $2.7M | New |
| XVV iShares ESG Select Screened | 0.88% | 51,187 | $2.3M | Reduce -4.4% |
| SUSA iShares ESG Optimized MSCI U | 0.84% | 18,191 | $2.2M | Reduce -0.7% |
| SUSL iShares ESG MSCI USA Leaders | 0.73% | 18,807 | $1.9M | Reduce -2.1% |
| NVDA Nvidia Corp. | 0.67% | 13,193 | $1.8M | Add +5.5% |
| VTI VG Morningstar TS MKT ETF-US | 0.59% | 5,368 | $1.6M | Reduce -1.2% |
| TSLA Tesla Inc. | 0.53% | 3,487 | $1.4M | Add +58.7% |
| MUB iShares National Muni Bond E | 0.52% | 12,818 | $1.4M | No change |
| ETN Eaton Corp. PLC | 0.50% | 3,996 | $1.3M | No change |
| USSG Xtrackers MSCI USA Sele Eqty | 0.42% | 20,428 | $1.1M | Add +29.6% |
| ESGU iShares ESG Aware MSCI USA | 0.41% | 8,385 | $1.1M | Reduce -1.6% |
| SUSC iShares ESG Aware Usd Corpor | 0.40% | 45,995 | $1.0M | New |
| VUG Vanguard Mrngstar GR ETF-Sui | 0.38% | 2,466 | $1.0M | New |
| GBIL Goldman Sachs Access Treasur | 0.38% | 10,008 | $1000K | New |
| XBIL F/M US Treasury 6 Month Bill | 0.38% | 19,980 | $1000K | New |
| TBIL F/M US Treasury 3 Month Bill | 0.38% | 20,048 | $1000K | New |
| HYHG Proshares High Yield Interes | 0.37% | 15,008 | $984K | New |
| VCR Vanguard Consumer Discre ETF | 0.37% | 2,603 | $977K | New |
| XLY SS Consumer Disc Select Sect | 0.35% | 4,169 | $935K | New |
| MDY State Street SPDR S&P Midcap | 0.32% | 1,502 | $856K | No change |
| CSCO Cisco Systems Inc. | 0.32% | 14,200 | $841K | No change |
| SHY iShares 1-3 Year Treasury Bo | 0.31% | 10,072 | $826K | Add +153.0% |
| NULG Nuveen ESG LRG-Cap GRW ETF | 0.29% | 9,060 | $778K | New |
| USXF iShares ESG Advance MSCI USA | 0.28% | 15,074 | $749K | New |
| SOLV Solventum Corp. | 0.21% | 8,273 | $547K | Reduce -1.0% |
| VV Vngrd Mrgstr LRG-Cap ETF-Usd | 0.21% | 2,019 | $545K | Reduce -6.2% |
| EAGG iShares ESG Aware US Aggrega | 0.21% | 11,690 | $543K | Reduce -79.0% |
| USFR Wisdomtree Floating Rate Tre | 0.20% | 10,379 | $522K | New |
| IVV iShares Core S&P 500 ETF | 0.19% | 870 | $512K | Reduce -42.5% |
| OBIL F/M US Treasury 12 Month Bil | 0.19% | 10,000 | $501K | New |
| SPTS SS SPDR P St Term TSY ETF | 0.19% | 17,229 | $500K | New |
| SHV iShares 0-1 Year Treasury Bo | 0.19% | 4,537 | $500K | New |
| VGSH Vanguard Short-Term Treasury | 0.19% | 8,583 | $499K | New |
| SCHO Schwab Short-Term US Treas | 0.19% | 20,695 | $498K | New |
| BND Vanguard Total Bond Market | 0.19% | 6,916 | $497K | Add +18.6% |
| NUBD Nuveen ESG US Aggregate Bond | 0.16% | 19,675 | $429K | Reduce -81.5% |
| VONE Vanguard Russell 1000 | 0.16% | 1,595 | $425K | Add +1.7% |
| CDNS Cadence Design SYS Inc. | 0.15% | 1,335 | $401K | Reduce -37.1% |
| NUMG Nuveen ESG Mid-Cap Grow ETF | 0.14% | 7,601 | $360K | New |
| FPWR First Trust Eip Power Soluti | 0.14% | 12,367 | $357K | Add +1.6% |
| XLV SS Health Care Select Sector | 0.13% | 2,451 | $337K | No change |
| GE General Electric filed as GE AEROSPACE | 0.13% | 1,991 | $332K | No change |
| STIP iShares 0-5 Year Tips Bond E | 0.12% | 3,066 | $308K | No change |
| IHAK iShares Cybersecurity & Tech | 0.11% | 6,209 | $303K | Reduce -1.6% |
| INTC Intel Corp. | 0.11% | 13,991 | $281K | No change |
| DFAC Dimensional US Core Equity 2 | 0.09% | 7,114 | $246K | No change |
| NUHY Nuveen ESG Hi YLD Corp. BND | 0.09% | 10,858 | $229K | New |
| VB Vanguard Most SM-Cap ETF-Usd | 0.08% | 907 | $218K | No change |
| SPMB SS SPDR P Mort Back Bond ETF | 0.08% | 9,966 | $215K | Reduce -84.9% |
| RSP Invesco S&P 500 Equal Weight | 0.08% | 1,198 | $210K | No change |
| AMZN Amazon.com Inc. | 0.08% | 948 | $208K | New |
Portfolio Sells Q3 2024 → Q4 2024
| EFIV SS SPDR S&P 500 ESG ETF | Reduce -69.0% | 4.54% | −10.41 |
| BIV Vanguard Intermediate-Term B | Sold out | 0.00% | −4.80 |
| AGG iShares Core U.S. Aggregate | Reduce -57.9% | 2.63% | −4.12 |
| IUSB Ishr CR Unvrse Usd BD ETF-Ui | Reduce -53.5% | 2.88% | −3.79 |
| TLH iShares 10-20 Year Treasury | Sold out | 0.00% | −2.49 |
| TLT iShares 20+ Year Treasury BD | Sold out | 0.00% | −1.80 |
| USMV iShares MSCI USA Min Vol Fac | Sold out | 0.00% | −1.69 |
| XLRE SS Real Estate Select Sector | Sold out | 0.00% | −1.41 |
| VNQ Vanguard Real Estate ETF | Sold out | 0.00% | −1.22 |
| EUSB Ishr ESG Advn Universal BD-$ | Reduce -22.5% | 2.98% | −1.16 |
| IEF iShares 7-10 Year Treasury B | Sold out | 0.00% | −1.14 |
| MBB iShares MBS ETF | Sold out | 0.00% | −1.13 |
| EAGG iShares ESG Aware US Aggrega | Reduce -79.0% | 0.21% | −0.85 |
| NUBD Nuveen ESG US Aggregate Bond | Reduce -81.5% | 0.16% | −0.78 |
| EDV Vanguard Extended Dur Treas | Sold out | 0.00% | −0.53 |
| SPMB SS SPDR P Mort Back Bond ETF | Reduce -84.9% | 0.08% | −0.50 |
| VOO Vanguard S&P 500 ETF | Reduce -1.6% | 15.28% | −0.44 |
| XLF SS Financial Select Sector | Sold out | 0.00% | −0.38 |
| LDEM iShares ESG MSCI Em Leaders | Sold out | 0.00% | −0.33 |
| XJR Ishr ESG SS S&P Smal-Cap-Usd | Sold out | 0.00% | −0.17 |
| IVV iShares Core S&P 500 ETF | Reduce -42.5% | 0.19% | −0.15 |
| SPTM SS SPDR P S&P 1500 Comp ETF | Reduce -1.5% | 4.76% | −0.14 |
| GBLD Invesco MSCI Building ETF | Sold out | 0.00% | −0.13 |
| ERTH Invesco MSCI Sustainable Fut | Sold out | 0.00% | −0.12 |
| NUDV Nuveen ESG Dividend ETF | Sold out | 0.00% | −0.12 |
| ESGV Vanguard ESG US Stock ETF | Reduce -3.2% | 3.53% | −0.12 |
| ITOT iShares Core S&P Total U.S. | Reduce -2.7% | 1.98% | −0.07 |
| CDNS Cadence Design SYS Inc. | Reduce -37.1% | 0.15% | −0.07 |
| SNPE Xtrckr S&P 500 Scor&scrn ETF | Reduce -4.6% | 1.03% | −0.07 |
| MSFT Microsoft Corp. | Reduce -0.5% | 1.07% | −0.06 |
| XVV iShares ESG Select Screened | Reduce -4.4% | 0.88% | −0.05 |
| SUSL iShares ESG MSCI USA Leaders | Reduce -2.1% | 0.73% | −0.03 |
| SUSA iShares ESG Optimized MSCI U | Reduce -0.7% | 0.84% | −0.02 |
| SOLV Solventum Corp. | Reduce -1.0% | 0.21% | −0.02 |
| VV Vngrd Mrgstr LRG-Cap ETF-Usd | Reduce -6.2% | 0.21% | −0.02 |
| VTI VG Morningstar TS MKT ETF-US | Reduce -1.2% | 0.59% | −0.01 |
| ESGU iShares ESG Aware MSCI USA | Reduce -1.6% | 0.41% | −0.01 |
| IHAK iShares Cybersecurity & Tech | Reduce -1.6% | 0.11% | −0.01 |
| KEZAR LIFE SCIENCES INC | Sold out | 0.00% | −0.00 |
| MGC Vngrd Mrngstr MG Cap ETF-Usd | Reduce -0.0% | 1.11% | −0.00 |
| AAPL Apple Inc. | Reduce -3.5% | 2.66% | +0.01 |
Portfolio Buys Q3 2024 → Q4 2024
| VTHR Vanguard Russell 3000 | New | 9.58% | +9.58 |
| BILS SS Spdrb B 3-12M T-Bill ETF | New | 6.02% | +6.02 |
| BIL SS SPDR BB 1-3M T-Bill ETF | New | 4.80% | +4.80 |
| SGOV iShares 0-3 Month Treasury B | Add +3001.6% | 4.56% | +4.41 |
| HYXF iShares ESG Adv High Yield | New | 2.27% | +2.27 |
| VOX Vanguard Communication Servi | New | 1.55% | +1.55 |
| HYG Ishr Ibx Usd Hiyld CB ETF-Ui | New | 1.37% | +1.37 |
| TFLO iShares Treasury Floating Ra | New | 1.29% | +1.29 |
| VFH Vanguard Financials ETF | New | 1.18% | +1.18 |
| GSY Invesco Ultra Short Duration | New | 1.02% | +1.02 |
| SKYY First Trust Cloud Computing | Add +225.5% | 1.39% | +1.01 |
| SUSC iShares ESG Aware Usd Corpor | New | 0.40% | +0.40 |
| VUG Vanguard Mrngstar GR ETF-Sui | New | 0.38% | +0.38 |
| GBIL Goldman Sachs Access Treasur | New | 0.38% | +0.38 |
| TBIL F/M US Treasury 3 Month Bill | New | 0.38% | +0.38 |
| XBIL F/M US Treasury 6 Month Bill | New | 0.38% | +0.38 |
| HYHG Proshares High Yield Interes | New | 0.37% | +0.37 |
| VCR Vanguard Consumer Discre ETF | New | 0.37% | +0.37 |
| XLY SS Consumer Disc Select Sect | New | 0.35% | +0.35 |
| TSLA Tesla Inc. | Add +58.7% | 0.53% | +0.31 |
| NULG Nuveen ESG LRG-Cap GRW ETF | New | 0.29% | +0.29 |
| USXF iShares ESG Advance MSCI USA | New | 0.28% | +0.28 |
| USFR Wisdomtree Floating Rate Tre | New | 0.20% | +0.20 |
| OBIL F/M US Treasury 12 Month Bil | New | 0.19% | +0.19 |
| SPTS SS SPDR P St Term TSY ETF | New | 0.19% | +0.19 |
| SHV iShares 0-1 Year Treasury Bo | New | 0.19% | +0.19 |
| VGSH Vanguard Short-Term Treasury | New | 0.19% | +0.19 |
| SCHO Schwab Short-Term US Treas | New | 0.19% | +0.19 |
| SHY iShares 1-3 Year Treasury Bo | Add +153.0% | 0.31% | +0.18 |
| NUMG Nuveen ESG Mid-Cap Grow ETF | New | 0.14% | +0.14 |
| USSG Xtrackers MSCI USA Sele Eqty | Add +29.6% | 0.42% | +0.09 |
| NUHY Nuveen ESG Hi YLD Corp. BND | New | 0.09% | +0.09 |
| AMZN Amazon.com Inc. | New | 0.08% | +0.08 |
| NVDA Nvidia Corp. | Add +5.5% | 0.67% | +0.08 |
| BND Vanguard Total Bond Market | Add +18.6% | 0.19% | +0.02 |
| VONE Vanguard Russell 1000 | Add +1.7% | 0.16% | +0.00 |
| FOVL iShares Focused Value Factor | Add +0.8% | 1.69% | +0.00 |
| FPWR First Trust Eip Power Soluti | Add +1.6% | 0.14% | −0.00 |
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 |