Retirement Capital Strategies
In its 13F for Q2 2025 (holdings as of June 30, 2025, filed August 11, 2025), Retirement Capital Strategies reported 64 stock positions worth $252.4 million. Its top holding was Vanguard Tot World STK ETF (VT) at 12.1% of the portfolio, followed by VG Morningstar TS MKT ETF-US (VTI, 8.8%) and Vanguard Intermediate-Term B (BIV, 7.0%). Compared with Q1 2025, it opened 9 new positions, sold out of 22, added to 18 and reduced 22. The biggest buy was a new position in Vanguard Tot World STK ETF (VT) and the biggest sale Vanguard S&P 500 ETF (VOO, shares −66%).
- Most Recent 13F
- Q2 2026
- Location
- SAN JOSE, CA
- CIK
- 0001672681
- Portfolio Value
- $252.4M (Q2 2025)
- SEC Filing
- 0001214659-25-011779 ↗ filed Aug 11, 2025
Holdings Value
Holdings 64 stocks · $252.4M
| VT Vanguard Tot World STK ETF | 12.09% | 237,425 | $30.5M | New |
| VTI VG Morningstar TS MKT ETF-US | 8.79% | 72,967 | $22.2M | Add +1273.9% |
| BIV Vanguard Intermediate-Term B | 6.98% | 227,780 | $17.6M | Add +77.8% |
| AGG iShares Core U.S. Aggregate | 6.90% | 175,616 | $17.4M | Add +74.6% |
| VOO Vanguard S&P 500 ETF | 5.74% | 25,503 | $14.5M | Reduce -66.0% |
| TBIL F/M US Treasury 3 Month Bill | 4.30% | 217,068 | $10.9M | Add +982.7% |
| SPTM SS SPDR P S&P 1500 Comp ETF | 4.15% | 139,740 | $10.5M | Reduce -18.6% |
| EFIV SS SPDR S&P 500 ESG ETF | 4.07% | 175,631 | $10.3M | Reduce -15.6% |
| IUSB Ishr CR Unvrse Usd BD ETF-Ui | 3.47% | 189,402 | $8.8M | Reduce -6.3% |
| BND Vanguard Total Bond Market | 3.04% | 104,260 | $7.7M | Add +1424.5% |
| GSY Invesco Ultra Short Duration | 2.36% | 118,909 | $6.0M | Add +114.3% |
| BILS SS Spdrb B 3-12M T-Bill ETF | 2.34% | 59,276 | $5.9M | Add +34.2% |
| AAPL Apple Inc. | 2.24% | 27,500 | $5.6M | Reduce -1.8% |
| GBIL Goldman Sachs Access Treasur | 2.22% | 56,006 | $5.6M | Reduce -39.9% |
| MMM 3M Co. | 1.99% | 32,932 | $5.0M | Reduce -1.4% |
| GSST Goldman Sachs Ultra Short Bo | 1.85% | 92,132 | $4.7M | New |
| XBIL F/M US Treasury 6 Month Bill | 1.65% | 83,272 | $4.2M | Add +316.8% |
| TFLO iShares Treasury Floating Ra | 1.62% | 80,823 | $4.1M | Add +20.6% |
| LPLA LPL Financial Holdings Inc. | 1.49% | 10,041 | $3.8M | No change |
| ESGV Vanguard ESG US Stock ETF | 1.38% | 31,683 | $3.5M | Reduce -64.0% |
| IEF iShares 7-10 Year Treasury B | 1.35% | 35,619 | $3.4M | New |
| MSFT Microsoft Corp. | 1.30% | 6,620 | $3.3M | Reduce -1.5% |
| ANET Arista Networks Inc. | 1.30% | 32,093 | $3.3M | Add +0.1% |
| IEI iShares 3-7 Year Treasury Bo | 1.13% | 23,968 | $2.9M | New |
| EAGG iShares ESG Aware US Aggrega | 1.06% | 56,276 | $2.7M | Add +23.9% |
| EUSB Ishr ESG Advn Universal BD-$ | 1.05% | 60,612 | $2.6M | Add +19.7% |
| TIP iShares Tips Bond ETF | 0.99% | 22,767 | $2.5M | New |
| ICSH iShares Ultra Short Duration | 0.97% | 48,350 | $2.5M | New |
| NUBD Nuveen ESG US Aggregate Bond | 0.96% | 108,626 | $2.4M | Add +20.9% |
| USFR Wisdomtree Floating Rate Tre | 0.88% | 44,094 | $2.2M | Add +324.8% |
| OBIL F/M US Treasury 12 Month Bil | 0.86% | 43,396 | $2.2M | Add +334.0% |
| SNPE Xtrckr S&P 500 Scor&scrn ETF | 0.84% | 38,540 | $2.1M | Reduce -24.6% |
| NVDA Nvidia Corp. | 0.82% | 13,139 | $2.1M | Reduce -2.1% |
| ETN Eaton Corp. PLC | 0.57% | 3,996 | $1.4M | No change |
| JPST JPMorgan Ultra-Short Income | 0.52% | 25,706 | $1.3M | New |
| SHV iShares 0-1 Year Treasury Bo | 0.50% | 11,524 | $1.3M | Add +154.0% |
| SGOV iShares 0-3 Month Treasury B | 0.49% | 12,258 | $1.2M | Reduce -87.0% |
| MUB iShares National Muni Bond E | 0.46% | 11,165 | $1.2M | Reduce -11.8% |
| BIL SS SPDR BB 1-3M T-Bill ETF | 0.42% | 11,494 | $1.1M | Reduce -87.8% |
| ESGU iShares ESG Aware MSCI USA | 0.41% | 7,653 | $1.0M | Reduce -4.9% |
| TSLA Tesla Inc. | 0.40% | 3,162 | $1.0M | No change |
| CSCO Cisco Systems Inc. | 0.39% | 14,200 | $985K | No change |
| MDY State Street SPDR S&P Midcap | 0.34% | 1,502 | $851K | No change |
| SHY iShares 1-3 Year Treasury Bo | 0.33% | 10,072 | $835K | No change |
| XVV iShares ESG Select Screened | 0.29% | 15,381 | $734K | Reduce -40.2% |
| SOLV Solventum Corp. | 0.21% | 6,827 | $518K | Reduce -13.2% |
| IVV iShares Core S&P 500 ETF | 0.20% | 827 | $513K | Reduce -5.3% |
| GE General Electric filed as GE AEROSPACE | 0.20% | 1,991 | $512K | No change |
| SPTS SS SPDR P St Term TSY ETF | 0.20% | 17,229 | $505K | No change |
| SCHO Schwab Short-Term US Treas | 0.20% | 20,695 | $505K | No change |
| VGSH Vanguard Short-Term Treasury | 0.20% | 8,583 | $505K | No change |
| ITOT iShares Core S&P Total U.S. | 0.17% | 3,184 | $430K | Reduce -92.2% |
| SPMB SS SPDR P Mort Back Bond ETF | 0.16% | 18,090 | $400K | Add +2.2% |
| IHAK iShares Cybersecurity & Tech | 0.13% | 6,015 | $320K | No change |
| STIP iShares 0-5 Year Tips Bond E | 0.13% | 3,066 | $316K | No change |
| INTC Intel Corp. | 0.12% | 13,991 | $313K | No change |
| MGC Vngrd Mrngstr MG Cap ETF-Usd | 0.12% | 1,323 | $298K | Reduce -90.3% |
| GEV GE Vernova Inc. | 0.11% | 505 | $267K | New |
| XLV SS Health Care Select Sector | 0.11% | 1,969 | $265K | Reduce -19.7% |
| DFAC Dimensional US Core Equity 2 | 0.10% | 7,114 | $255K | No change |
| MBB iShares MBS ETF | 0.10% | 2,643 | $248K | Add +5.5% |
| AMZN Amazon.com Inc. | 0.09% | 998 | $219K | New |
| VB Vanguard Most SM-Cap ETF-Usd | 0.09% | 907 | $215K | No change |
| SUSL iShares ESG MSCI USA Leaders | 0.08% | 1,911 | $207K | Reduce -81.8% |
Portfolio Sells Q1 2025 → Q2 2025
| VOO Vanguard S&P 500 ETF | Reduce -66.0% | 5.74% | −9.30 |
| ACWI iShares MSCI Acwi ETF | Sold out | 0.00% | −9.28 |
| SGOV iShares 0-3 Month Treasury B | Reduce -87.0% | 0.49% | −3.23 |
| BIL SS SPDR BB 1-3M T-Bill ETF | Reduce -87.8% | 0.42% | −2.94 |
| TLH iShares 10-20 Year Treasury | Sold out | 0.00% | −2.49 |
| ESGV Vanguard ESG US Stock ETF | Reduce -64.0% | 1.38% | −1.99 |
| TLT iShares 20+ Year Treasury BD | Sold out | 0.00% | −1.79 |
| ITOT iShares Core S&P Total U.S. | Reduce -92.2% | 0.17% | −1.77 |
| IEFA iShares Core MSCI Eafe ETF | Sold out | 0.00% | −1.68 |
| HDV iShares Core High Dividend E | Sold out | 0.00% | −1.57 |
| GBIL Goldman Sachs Access Treasur | Reduce -39.9% | 2.22% | −1.42 |
| VDC Vanguard Consumer Staple ETF | Sold out | 0.00% | −1.34 |
| VGK Vanguard Ftse Europe ETF | Sold out | 0.00% | −1.16 |
| MGC Vngrd Mrngstr MG Cap ETF-Usd | Reduce -90.3% | 0.12% | −0.96 |
| NUDM Nuveen ESG Intl Devel MRK Eq | Sold out | 0.00% | −0.73 |
| VXUS Vanguard Total Intl Stock | Sold out | 0.00% | −0.63 |
| EDV Vanguard Extended Dur Treas | Sold out | 0.00% | −0.49 |
| ESGD iShares Trust iShares ESG Aw | Sold out | 0.00% | −0.43 |
| SPTM SS SPDR P S&P 1500 Comp ETF | Reduce -18.6% | 4.15% | −0.41 |
| DMXF iShares ESG Advanc MSCI Eafe | Sold out | 0.00% | −0.40 |
| VEA Vanguard Ftse Developed ETF | Sold out | 0.00% | −0.38 |
| EFV iShares MSCI Eafe Value ETF | Sold out | 0.00% | −0.37 |
| SUSL iShares ESG MSCI USA Leaders | Reduce -81.8% | 0.08% | −0.31 |
| IEUR iShares Core MSCI Europe ETF | Sold out | 0.00% | −0.31 |
| EFIV SS SPDR S&P 500 ESG ETF | Reduce -15.6% | 4.07% | −0.27 |
| VV Vngrd Mrgstr LRG-Cap ETF-Usd | Sold out | 0.00% | −0.21 |
| SUSA iShares ESG Optimized MSCI U | Sold out | 0.00% | −0.20 |
| AAPL Apple Inc. | Reduce -1.8% | 2.24% | −0.19 |
| IUSB Ishr CR Unvrse Usd BD ETF-Ui | Reduce -6.3% | 3.47% | −0.17 |
| VONE Vanguard Russell 1000 | Sold out | 0.00% | −0.16 |
| SNPE Xtrckr S&P 500 Scor&scrn ETF | Reduce -24.6% | 0.84% | −0.16 |
| ESG NT Stoxx US ESG ETF | Sold out | 0.00% | −0.16 |
| FPWR First Trust Eip Power Soluti | Sold out | 0.00% | −0.15 |
| LDEM iShares ESG MSCI Em Leaders | Sold out | 0.00% | −0.14 |
| XVV iShares ESG Select Screened | Reduce -40.2% | 0.29% | −0.14 |
| RSP Invesco S&P 500 Equal Weight | Sold out | 0.00% | −0.08 |
| MUB iShares National Muni Bond E | Reduce -11.8% | 0.46% | −0.06 |
| XLV SS Health Care Select Sector | Reduce -19.7% | 0.11% | −0.03 |
| SOLV Solventum Corp. | Reduce -13.2% | 0.21% | −0.03 |
| IVV iShares Core S&P 500 ETF | Reduce -5.3% | 0.20% | +0.01 |
| ESGU iShares ESG Aware MSCI USA | Reduce -4.9% | 0.41% | +0.03 |
| MMM 3M Co. | Reduce -1.4% | 1.99% | +0.07 |
| NVDA Nvidia Corp. | Reduce -2.1% | 0.82% | +0.25 |
| MSFT Microsoft Corp. | Reduce -1.5% | 1.30% | +0.32 |
Portfolio Buys Q1 2025 → Q2 2025
| VT Vanguard Tot World STK ETF | New | 12.09% | +12.09 |
| VTI VG Morningstar TS MKT ETF-US | Add +1273.9% | 8.79% | +8.22 |
| TBIL F/M US Treasury 3 Month Bill | Add +982.7% | 4.30% | +3.91 |
| BIV Vanguard Intermediate-Term B | Add +77.8% | 6.98% | +3.15 |
| AGG iShares Core U.S. Aggregate | Add +74.6% | 6.90% | +3.02 |
| BND Vanguard Total Bond Market | Add +1424.5% | 3.04% | +2.85 |
| GSST Goldman Sachs Ultra Short Bo | New | 1.85% | +1.85 |
| IEF iShares 7-10 Year Treasury B | New | 1.35% | +1.35 |
| GSY Invesco Ultra Short Duration | Add +114.3% | 2.36% | +1.28 |
| XBIL F/M US Treasury 6 Month Bill | Add +316.8% | 1.65% | +1.26 |
| IEI iShares 3-7 Year Treasury Bo | New | 1.13% | +1.13 |
| TIP iShares Tips Bond ETF | New | 0.99% | +0.99 |
| ICSH iShares Ultra Short Duration | New | 0.97% | +0.97 |
| USFR Wisdomtree Floating Rate Tre | Add +324.8% | 0.88% | +0.68 |
| OBIL F/M US Treasury 12 Month Bil | Add +334.0% | 0.86% | +0.67 |
| BILS SS Spdrb B 3-12M T-Bill ETF | Add +34.2% | 2.34% | +0.62 |
| JPST JPMorgan Ultra-Short Income | New | 0.52% | +0.52 |
| ANET Arista Networks Inc. | Add +0.1% | 1.30% | +0.33 |
| SHV iShares 0-1 Year Treasury Bo | Add +154.0% | 0.50% | +0.31 |
| TFLO iShares Treasury Floating Ra | Add +20.6% | 1.62% | +0.30 |
| EAGG iShares ESG Aware US Aggrega | Add +23.9% | 1.06% | +0.22 |
| EUSB Ishr ESG Advn Universal BD-$ | Add +19.7% | 1.05% | +0.19 |
| NUBD Nuveen ESG US Aggregate Bond | Add +20.9% | 0.96% | +0.18 |
| GEV GE Vernova Inc. | New | 0.11% | +0.11 |
| AMZN Amazon.com Inc. | New | 0.09% | +0.09 |
| MBB iShares MBS ETF | Add +5.5% | 0.10% | +0.01 |
| SPMB SS SPDR P Mort Back Bond ETF | Add +2.2% | 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 |