Retirement Capital Strategies
In its 13F for Q1 2025 (holdings as of March 31, 2025, filed May 14, 2025), Retirement Capital Strategies reported 77 stock positions worth $256.1 million. Its top holding was Vanguard S&P 500 ETF (VOO) at 15.0% of the portfolio, followed by iShares MSCI Acwi ETF (ACWI, 9.3%) and SS SPDR P S&P 1500 Comp ETF (SPTM, 4.6%). Compared with Q4 2024, it opened 19 new positions, sold out of 19, added to 16 and reduced 22. The biggest buy was a new position in iShares MSCI Acwi ETF (ACWI) and the biggest sale an exit from Vanguard Russell 3000 (VTHR).
- Most Recent 13F
- Q2 2026
- Location
- SAN JOSE, CA
- CIK
- 0001672681
- Portfolio Value
- $256.1M (Q1 2025)
- SEC Filing
- 0001214659-25-007555 ↗ filed May 14, 2025
Holdings Value
Holdings 77 stocks · $256.1M
| VOO Vanguard S&P 500 ETF | 15.04% | 74,971 | $38.5M | Add +0.1% |
| ACWI iShares MSCI Acwi ETF | 9.28% | 204,176 | $23.8M | New |
| SPTM SS SPDR P S&P 1500 Comp ETF | 4.56% | 171,650 | $11.7M | Reduce -2.5% |
| EFIV SS SPDR S&P 500 ESG ETF | 4.35% | 208,033 | $11.1M | Reduce -2.0% |
| AGG iShares Core U.S. Aggregate | 3.89% | 100,605 | $10.0M | Add +40.3% |
| BIV Vanguard Intermediate-Term B | 3.83% | 128,075 | $9.8M | New |
| SGOV iShares 0-3 Month Treasury B | 3.72% | 94,606 | $9.5M | Reduce -21.2% |
| GBIL Goldman Sachs Access Treasur | 3.64% | 93,149 | $9.3M | Add +830.8% |
| IUSB Ishr CR Unvrse Usd BD ETF-Ui | 3.63% | 202,022 | $9.3M | Add +20.1% |
| ESGV Vanguard ESG US Stock ETF | 3.37% | 88,092 | $8.6M | Reduce -0.7% |
| BIL SS SPDR BB 1-3M T-Bill ETF | 3.36% | 93,874 | $8.6M | Reduce -32.2% |
| TLH iShares 10-20 Year Treasury | 2.49% | 61,475 | $6.4M | New |
| AAPL Apple Inc. | 2.43% | 28,002 | $6.2M | Reduce -0.2% |
| ITOT iShares Core S&P Total U.S. | 1.94% | 40,801 | $5.0M | Add +0.5% |
| MMM 3M Co. | 1.92% | 33,403 | $4.9M | Reduce -0.1% |
| TLT iShares 20+ Year Treasury BD | 1.79% | 50,381 | $4.6M | New |
| BILS SS Spdrb B 3-12M T-Bill ETF | 1.72% | 44,180 | $4.4M | Reduce -72.4% |
| IEFA iShares Core MSCI Eafe ETF | 1.68% | 56,792 | $4.3M | New |
| HDV iShares Core High Dividend E | 1.57% | 33,183 | $4.0M | New |
| VDC Vanguard Consumer Staple ETF | 1.34% | 15,718 | $3.4M | New |
| TFLO iShares Treasury Floating Ra | 1.33% | 67,024 | $3.4M | Reduce -0.7% |
| LPLA LPL Financial Holdings Inc. | 1.28% | 10,041 | $3.3M | No change |
| VGK Vanguard Ftse Europe ETF | 1.16% | 42,384 | $3.0M | New |
| GSY Invesco Ultra Short Duration | 1.09% | 55,476 | $2.8M | Add +3.4% |
| MGC Vngrd Mrngstr MG Cap ETF-Usd | 1.08% | 13,684 | $2.8M | Reduce -1.0% |
| SNPE Xtrckr S&P 500 Scor&scrn ETF | 1.01% | 51,083 | $2.6M | Add +0.2% |
| MSFT Microsoft Corp. | 0.99% | 6,723 | $2.5M | Reduce -0.1% |
| ANET Arista Networks Inc. | 0.97% | 32,044 | $2.5M | Add +1.1% |
| EUSB Ishr ESG Advn Universal BD-$ | 0.86% | 50,625 | $2.2M | Reduce -72.7% |
| EAGG iShares ESG Aware US Aggrega | 0.84% | 45,427 | $2.2M | Add +288.6% |
| NUBD Nuveen ESG US Aggregate Bond | 0.78% | 89,873 | $2.0M | Add +356.8% |
| NUDM Nuveen ESG Intl Devel MRK Eq | 0.73% | 58,848 | $1.9M | New |
| VXUS Vanguard Total Intl Stock | 0.63% | 25,997 | $1.6M | New |
| VTI VG Morningstar TS MKT ETF-US | 0.57% | 5,311 | $1.5M | Reduce -1.1% |
| NVDA Nvidia Corp. | 0.57% | 13,425 | $1.5M | Add +1.8% |
| MUB iShares National Muni Bond E | 0.52% | 12,666 | $1.3M | Reduce -1.2% |
| EDV Vanguard Extended Dur Treas | 0.49% | 17,497 | $1.2M | New |
| XVV iShares ESG Select Screened | 0.43% | 25,714 | $1.1M | Reduce -49.8% |
| ESGD iShares Trust iShares ESG Aw | 0.43% | 13,448 | $1.1M | New |
| ETN Eaton Corp. PLC | 0.42% | 3,996 | $1.1M | No change |
| DMXF iShares ESG Advanc MSCI Eafe | 0.40% | 15,170 | $1.0M | New |
| SUSL iShares ESG MSCI USA Leaders | 0.39% | 10,507 | $1.0M | Reduce -44.1% |
| TBIL F/M US Treasury 3 Month Bill | 0.39% | 20,048 | $1.0M | No change |
| XBIL F/M US Treasury 6 Month Bill | 0.39% | 19,980 | $1.0M | No change |
| VEA Vanguard Ftse Developed ETF | 0.38% | 19,395 | $986K | New |
| ESGU iShares ESG Aware MSCI USA | 0.38% | 8,051 | $982K | Reduce -4.0% |
| EFV iShares MSCI Eafe Value ETF | 0.37% | 16,188 | $954K | New |
| CSCO Cisco Systems Inc. | 0.34% | 14,200 | $876K | No change |
| SHY iShares 1-3 Year Treasury Bo | 0.33% | 10,072 | $833K | No change |
| TSLA Tesla Inc. | 0.32% | 3,162 | $819K | Reduce -9.3% |
| MDY State Street SPDR S&P Midcap | 0.31% | 1,502 | $801K | No change |
| IEUR iShares Core MSCI Europe ETF | 0.31% | 13,209 | $795K | New |
| SOLV Solventum Corp. | 0.23% | 7,868 | $598K | Reduce -4.9% |
| VV Vngrd Mrgstr LRG-Cap ETF-Usd | 0.21% | 2,106 | $541K | Add +4.3% |
| USFR Wisdomtree Floating Rate Tre | 0.20% | 10,379 | $522K | No change |
| SPTS SS SPDR P St Term TSY ETF | 0.20% | 17,229 | $504K | No change |
| VGSH Vanguard Short-Term Treasury | 0.20% | 8,583 | $504K | No change |
| SCHO Schwab Short-Term US Treas | 0.20% | 20,695 | $504K | No change |
| BND Vanguard Total Bond Market | 0.20% | 6,839 | $502K | Reduce -1.1% |
| OBIL F/M US Treasury 12 Month Bil | 0.20% | 10,000 | $502K | No change |
| SHV iShares 0-1 Year Treasury Bo | 0.20% | 4,537 | $501K | No change |
| SUSA iShares ESG Optimized MSCI U | 0.20% | 4,347 | $500K | Reduce -76.1% |
| IVV iShares Core S&P 500 ETF | 0.19% | 873 | $491K | Add +0.3% |
| VONE Vanguard Russell 1000 | 0.16% | 1,654 | $420K | Add +3.7% |
| ESG NT Stoxx US ESG ETF | 0.16% | 3,045 | $409K | New |
| GE General Electric filed as GE AEROSPACE | 0.16% | 1,991 | $398K | No change |
| SPMB SS SPDR P Mort Back Bond ETF | 0.15% | 17,695 | $390K | Add +77.5% |
| FPWR First Trust Eip Power Soluti | 0.15% | 12,420 | $381K | Add +0.4% |
| XLV SS Health Care Select Sector | 0.14% | 2,451 | $358K | No change |
| LDEM iShares ESG MSCI Em Leaders | 0.14% | 7,314 | $356K | New |
| INTC Intel Corp. | 0.12% | 13,991 | $318K | No change |
| STIP iShares 0-5 Year Tips Bond E | 0.12% | 3,066 | $317K | No change |
| IHAK iShares Cybersecurity & Tech | 0.11% | 6,015 | $283K | Reduce -3.1% |
| MBB iShares MBS ETF | 0.09% | 2,504 | $235K | New |
| DFAC Dimensional US Core Equity 2 | 0.09% | 7,114 | $235K | No change |
| RSP Invesco S&P 500 Equal Weight | 0.08% | 1,198 | $208K | No change |
| VB Vanguard Most SM-Cap ETF-Usd | 0.08% | 907 | $201K | No change |
Portfolio Sells Q4 2024 → Q1 2025
| VTHR Vanguard Russell 3000 | Sold out | 0.00% | −9.58 |
| BILS SS Spdrb B 3-12M T-Bill ETF | Reduce -72.4% | 1.72% | −4.30 |
| HYXF iShares ESG Adv High Yield | Sold out | 0.00% | −2.27 |
| EUSB Ishr ESG Advn Universal BD-$ | Reduce -72.7% | 0.86% | −2.12 |
| FOVL iShares Focused Value Factor | Sold out | 0.00% | −1.69 |
| VOX Vanguard Communication Servi | Sold out | 0.00% | −1.55 |
| BIL SS SPDR BB 1-3M T-Bill ETF | Reduce -32.2% | 3.36% | −1.43 |
| SKYY First Trust Cloud Computing | Sold out | 0.00% | −1.39 |
| HYG Ishr Ibx Usd Hiyld CB ETF-Ui | Sold out | 0.00% | −1.37 |
| VFH Vanguard Financials ETF | Sold out | 0.00% | −1.18 |
| SGOV iShares 0-3 Month Treasury B | Reduce -21.2% | 3.72% | −0.84 |
| SUSA iShares ESG Optimized MSCI U | Reduce -76.1% | 0.20% | −0.64 |
| XVV iShares ESG Select Screened | Reduce -49.8% | 0.43% | −0.45 |
| USSG Xtrackers MSCI USA Sele Eqty | Sold out | 0.00% | −0.42 |
| SUSC iShares ESG Aware Usd Corpor | Sold out | 0.00% | −0.40 |
| VUG Vanguard Mrngstar GR ETF-Sui | Sold out | 0.00% | −0.38 |
| HYHG Proshares High Yield Interes | Sold out | 0.00% | −0.37 |
| VCR Vanguard Consumer Discre ETF | Sold out | 0.00% | −0.37 |
| XLY SS Consumer Disc Select Sect | Sold out | 0.00% | −0.35 |
| SUSL iShares ESG MSCI USA Leaders | Reduce -44.1% | 0.39% | −0.34 |
| NULG Nuveen ESG LRG-Cap GRW ETF | Sold out | 0.00% | −0.29 |
| USXF iShares ESG Advance MSCI USA | Sold out | 0.00% | −0.28 |
| AAPL Apple Inc. | Reduce -0.2% | 2.43% | −0.23 |
| TSLA Tesla Inc. | Reduce -9.3% | 0.32% | −0.21 |
| SPTM SS SPDR P S&P 1500 Comp ETF | Reduce -2.5% | 4.56% | −0.21 |
| EFIV SS SPDR S&P 500 ESG ETF | Reduce -2.0% | 4.35% | −0.20 |
| ESGV Vanguard ESG US Stock ETF | Reduce -0.7% | 3.37% | −0.16 |
| CDNS Cadence Design SYS Inc. | Sold out | 0.00% | −0.15 |
| NUMG Nuveen ESG Mid-Cap Grow ETF | Sold out | 0.00% | −0.14 |
| MSFT Microsoft Corp. | Reduce -0.1% | 0.99% | −0.09 |
| NUHY Nuveen ESG Hi YLD Corp. BND | Sold out | 0.00% | −0.09 |
| AMZN Amazon.com Inc. | Sold out | 0.00% | −0.08 |
| MGC Vngrd Mrngstr MG Cap ETF-Usd | Reduce -1.0% | 1.08% | −0.04 |
| ESGU iShares ESG Aware MSCI USA | Reduce -4.0% | 0.38% | −0.03 |
| VTI VG Morningstar TS MKT ETF-US | Reduce -1.1% | 0.57% | −0.02 |
| IHAK iShares Cybersecurity & Tech | Reduce -3.1% | 0.11% | −0.00 |
| MUB iShares National Muni Bond E | Reduce -1.2% | 0.52% | +0.00 |
| BND Vanguard Total Bond Market | Reduce -1.1% | 0.20% | +0.01 |
| SOLV Solventum Corp. | Reduce -4.9% | 0.23% | +0.03 |
| TFLO iShares Treasury Floating Ra | Reduce -0.7% | 1.33% | +0.04 |
| MMM 3M Co. | Reduce -0.1% | 1.92% | +0.28 |
Portfolio Buys Q4 2024 → Q1 2025
| ACWI iShares MSCI Acwi ETF | New | 9.28% | +9.28 |
| BIV Vanguard Intermediate-Term B | New | 3.83% | +3.83 |
| GBIL Goldman Sachs Access Treasur | Add +830.8% | 3.64% | +3.26 |
| TLH iShares 10-20 Year Treasury | New | 2.49% | +2.49 |
| TLT iShares 20+ Year Treasury BD | New | 1.79% | +1.79 |
| IEFA iShares Core MSCI Eafe ETF | New | 1.68% | +1.68 |
| HDV iShares Core High Dividend E | New | 1.57% | +1.57 |
| VDC Vanguard Consumer Staple ETF | New | 1.34% | +1.34 |
| AGG iShares Core U.S. Aggregate | Add +40.3% | 3.89% | +1.25 |
| VGK Vanguard Ftse Europe ETF | New | 1.16% | +1.16 |
| IUSB Ishr CR Unvrse Usd BD ETF-Ui | Add +20.1% | 3.63% | +0.75 |
| NUDM Nuveen ESG Intl Devel MRK Eq | New | 0.73% | +0.73 |
| EAGG iShares ESG Aware US Aggrega | Add +288.6% | 0.84% | +0.64 |
| VXUS Vanguard Total Intl Stock | New | 0.63% | +0.63 |
| NUBD Nuveen ESG US Aggregate Bond | Add +356.8% | 0.78% | +0.62 |
| EDV Vanguard Extended Dur Treas | New | 0.49% | +0.49 |
| ESGD iShares Trust iShares ESG Aw | New | 0.43% | +0.43 |
| DMXF iShares ESG Advanc MSCI Eafe | New | 0.40% | +0.40 |
| VEA Vanguard Ftse Developed ETF | New | 0.38% | +0.38 |
| EFV iShares MSCI Eafe Value ETF | New | 0.37% | +0.37 |
| IEUR iShares Core MSCI Europe ETF | New | 0.31% | +0.31 |
| ESG NT Stoxx US ESG ETF | New | 0.16% | +0.16 |
| LDEM iShares ESG MSCI Em Leaders | New | 0.14% | +0.14 |
| MBB iShares MBS ETF | New | 0.09% | +0.09 |
| SPMB SS SPDR P Mort Back Bond ETF | Add +77.5% | 0.15% | +0.07 |
| GSY Invesco Ultra Short Duration | Add +3.4% | 1.09% | +0.07 |
| FPWR First Trust Eip Power Soluti | Add +0.4% | 0.15% | +0.01 |
| VV Vngrd Mrgstr LRG-Cap ETF-Usd | Add +4.3% | 0.21% | +0.01 |
| VONE Vanguard Russell 1000 | Add +3.7% | 0.16% | +0.00 |
| IVV iShares Core S&P 500 ETF | Add +0.3% | 0.19% | −0.00 |
| SNPE Xtrckr S&P 500 Scor&scrn ETF | Add +0.2% | 1.01% | −0.02 |
| ITOT iShares Core S&P Total U.S. | Add +0.5% | 1.94% | −0.03 |
| NVDA Nvidia Corp. | Add +1.8% | 0.57% | −0.10 |
| VOO Vanguard S&P 500 ETF | Add +0.1% | 15.04% | −0.24 |
| ANET Arista Networks Inc. | Add +1.1% | 0.97% | −0.36 |
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 |