Retirement Capital Strategies
In its 13F for Q4 2025 (holdings as of December 31, 2025, filed February 13, 2026), Retirement Capital Strategies reported 68 stock positions worth $269.7 million. Its top holding was Vanguard Tot World STK ETF (VT) at 11.2% of the portfolio, followed by VG Morningstar TS MKT ETF-US (VTI, 10.5%) and Vanguard Intermediate-Term B (BIV, 7.0%). Compared with Q3 2025, it opened 10 new positions, sold out of 4, added to 21 and reduced 17. The biggest buy was a new position in iShares Silver Trust (SLV) and the biggest sale an exit from Invesco Ultra Short Duration (GSY).
- Most Recent 13F
- Q2 2026
- Location
- SAN JOSE, CA
- CIK
- 0001672681
- Portfolio Value
- $269.7M (Q4 2025)
- SEC Filing
- 0001214659-26-001705 ↗ filed Feb 13, 2026
Holdings Value
Holdings 68 stocks · $269.7M
| VT Vanguard Tot World STK ETF | 11.21% | 214,355 | $30.2M | Reduce -8.2% |
| VTI VG Morningstar TS MKT ETF-US | 10.52% | 84,653 | $28.4M | Reduce -4.1% |
| BIV Vanguard Intermediate-Term B | 7.02% | 243,068 | $18.9M | Add +6.6% |
| AGG iShares Core U.S. Aggregate | 6.88% | 185,897 | $18.6M | Add +7.0% |
| VOO Vanguard S&P 500 ETF | 5.58% | 23,987 | $15.0M | Reduce -0.4% |
| SPTM SS SPDR P S&P 1500 Comp ETF | 4.12% | 134,692 | $11.1M | No change |
| EFIV SS SPDR S&P 500 ESG ETF | 3.90% | 158,859 | $10.5M | Reduce -5.6% |
| IUSB Ishr CR Unvrse Usd BD ETF-Ui | 3.48% | 201,662 | $9.4M | Add +7.8% |
| BND Vanguard Total Bond Market | 3.35% | 121,944 | $9.0M | Add +6.8% |
| AAPL Apple Inc. | 2.76% | 27,409 | $7.5M | No change |
| GBIL Goldman Sachs Access Treasur | 2.36% | 63,706 | $6.4M | Add +7.3% |
| BILS SS Spdrb B 3-12M T-Bill ETF | 2.32% | 63,105 | $6.3M | Add +9.8% |
| SLV iShares Silver Trust | 2.28% | 95,261 | $6.1M | New |
| GLD SPDR Gold Shares | 2.21% | 15,054 | $6.0M | New |
| MBB iShares MBS ETF | 2.16% | 61,052 | $5.8M | Add +2318.9% |
| SPMB SS SPDR P Mort Back Bond ETF | 2.08% | 250,812 | $5.6M | Add +1315.1% |
| MMM 3M Co. | 1.91% | 32,236 | $5.2M | Reduce -0.7% |
| IEI iShares 3-7 Year Treasury Bo | 1.57% | 35,404 | $4.2M | Add +49.3% |
| ANET Arista Networks Inc. | 1.56% | 32,152 | $4.2M | Add +0.2% |
| ESGV Vanguard ESG US Stock ETF | 1.47% | 32,790 | $4.0M | Reduce -8.9% |
| LPLA LPL Financial Holdings Inc. | 1.33% | 10,041 | $3.6M | No change |
| IEF iShares 7-10 Year Treasury B | 1.32% | 36,922 | $3.6M | Add +4.5% |
| XBIL F/M US Treasury 6 Month Bill | 1.23% | 66,454 | $3.3M | Reduce -19.2% |
| MSFT Microsoft Corp. | 1.14% | 6,341 | $3.1M | Add +0.3% |
| EUSB Ishr ESG Advn Universal BD-$ | 1.13% | 69,524 | $3.1M | Add +15.4% |
| EAGG iShares ESG Aware US Aggrega | 1.12% | 63,248 | $3.0M | Add +13.0% |
| NUBD Nuveen ESG US Aggregate Bond | 1.01% | 121,505 | $2.7M | Add +13.1% |
| USFR Wisdomtree Floating Rate Tre | 0.96% | 51,238 | $2.6M | Add +16.5% |
| NVDA Nvidia Corp. | 0.91% | 13,135 | $2.4M | Reduce -0.0% |
| SNPE Xtrckr S&P 500 Scor&scrn ETF | 0.90% | 38,735 | $2.4M | Add +0.5% |
| TBIL F/M US Treasury 3 Month Bill | 0.71% | 38,133 | $1.9M | Reduce -63.9% |
| TSLA Tesla Inc. | 0.53% | 3,162 | $1.4M | No change |
| SGOV iShares 0-3 Month Treasury B | 0.52% | 13,987 | $1.4M | Add +4.5% |
| TFLO iShares Treasury Floating Ra | 0.50% | 26,779 | $1.4M | Reduce -66.4% |
| ETN Eaton Corp. PLC | 0.47% | 3,996 | $1.3M | No change |
| BIL SS SPDR BB 1-3M T-Bill ETF | 0.43% | 12,681 | $1.2M | Add +4.6% |
| NUHY Nuveen ESG Hi YLD Corp. BND | 0.42% | 52,448 | $1.1M | New |
| ESGU iShares ESG Aware MSCI USA | 0.41% | 7,467 | $1.1M | Reduce -1.4% |
| OBIL F/M US Treasury 12 Month Bil | 0.41% | 21,882 | $1.1M | Reduce -49.6% |
| CSCO Cisco Systems Inc. | 0.41% | 14,200 | $1.1M | No change |
| EMB iShares JP Morgan Usd Emergi | 0.39% | 10,839 | $1.0M | New |
| SHV iShares 0-1 Year Treasury Bo | 0.35% | 8,649 | $953K | Reduce -41.5% |
| ARTY iShares Future AI & Tech ETF | 0.35% | 19,561 | $942K | New |
| AIPO Defiance AI & Power Infr ETF | 0.34% | 41,460 | $918K | New |
| MDY State Street SPDR S&P Midcap | 0.34% | 1,502 | $906K | No change |
| SUSC iShares ESG Aware Usd Corpor | 0.31% | 35,429 | $828K | New |
| XVV iShares ESG Select Screened | 0.30% | 15,381 | $811K | No change |
| GE General Electric filed as GE AEROSPACE | 0.23% | 1,991 | $613K | No change |
| IVV iShares Core S&P 500 ETF | 0.21% | 824 | $564K | Reduce -0.4% |
| SOLV Solventum Corp. | 0.20% | 6,827 | $541K | No change |
| SPTS SS SPDR P St Term TSY ETF | 0.19% | 17,229 | $504K | No change |
| SHY iShares 1-3 Year Treasury Bo | 0.19% | 6,091 | $504K | No change |
| SCHO Schwab Short-Term US Treas | 0.19% | 20,695 | $504K | No change |
| VGSH Vanguard Short-Term Treasury | 0.19% | 8,583 | $504K | No change |
| INTC Intel Corp. | 0.18% | 12,991 | $479K | No change |
| GEV GE Vernova Inc. | 0.17% | 719 | $470K | Add +3.0% |
| ITOT iShares Core S&P Total U.S. | 0.16% | 2,954 | $439K | Reduce -7.2% |
| GSST Goldman Sachs Ultra Short Bo | 0.15% | 8,080 | $408K | Reduce -91.2% |
| ICLN iShares Global Clean Energy | 0.12% | 20,362 | $335K | New |
| MGC Vngrd Mrngstr MG Cap ETF-Usd | 0.12% | 1,277 | $321K | No change |
| IHAK iShares Cybersecurity & Tech | 0.11% | 6,015 | $289K | No change |
| DFAC Dimensional US Core Equity 2 | 0.10% | 7,114 | $282K | No change |
| WIP State Street SPDR Ftse Inter | 0.10% | 6,828 | $269K | New |
| GOOG Alphabet Inc. Class C | 0.09% | 768 | $241K | New |
| VB Vanguard Most SM-Cap ETF-Usd | 0.09% | 907 | $234K | No change |
| AMZN Amazon.com Inc. | 0.09% | 1,012 | $234K | Add +1.0% |
| SUSL iShares ESG MSCI USA Leaders | 0.09% | 1,911 | $232K | No change |
| XLV SS Health Care Select Sector | 0.08% | 1,355 | $210K | Reduce -31.2% |
Portfolio Sells Q3 2025 → Q4 2025
| GSY Invesco Ultra Short Duration | Sold out | 0.00% | −2.27 |
| GSST Goldman Sachs Ultra Short Bo | Reduce -91.2% | 0.15% | −1.63 |
| TBIL F/M US Treasury 3 Month Bill | Reduce -63.9% | 0.71% | −1.32 |
| VT Vanguard Tot World STK ETF | Reduce -8.2% | 11.21% | −1.13 |
| TFLO iShares Treasury Floating Ra | Reduce -66.4% | 0.50% | −1.05 |
| TIP iShares Tips Bond ETF | Sold out | 0.00% | −0.96 |
| ICSH iShares Ultra Short Duration | Sold out | 0.00% | −0.93 |
| VTI VG Morningstar TS MKT ETF-US | Reduce -4.1% | 10.52% | −0.59 |
| JPST JPMorgan Ultra-Short Income | Sold out | 0.00% | −0.48 |
| OBIL F/M US Treasury 12 Month Bil | Reduce -49.6% | 0.41% | −0.43 |
| XBIL F/M US Treasury 6 Month Bill | Reduce -19.2% | 1.23% | −0.35 |
| SHV iShares 0-1 Year Treasury Bo | Reduce -41.5% | 0.35% | −0.27 |
| EFIV SS SPDR S&P 500 ESG ETF | Reduce -5.6% | 3.90% | −0.21 |
| ESGV Vanguard ESG US Stock ETF | Reduce -8.9% | 1.47% | −0.17 |
| VOO Vanguard S&P 500 ETF | Reduce -0.4% | 5.58% | −0.08 |
| XLV SS Health Care Select Sector | Reduce -31.2% | 0.08% | −0.03 |
| NVDA Nvidia Corp. | Reduce -0.0% | 0.91% | −0.03 |
| MMM 3M Co. | Reduce -0.7% | 1.91% | −0.02 |
| ITOT iShares Core S&P Total U.S. | Reduce -7.2% | 0.16% | −0.01 |
| ESGU iShares ESG Aware MSCI USA | Reduce -1.4% | 0.41% | −0.01 |
| IVV iShares Core S&P 500 ETF | Reduce -0.4% | 0.21% | −0.00 |
Portfolio Buys Q3 2025 → Q4 2025
| SLV iShares Silver Trust | New | 2.28% | +2.28 |
| GLD SPDR Gold Shares | New | 2.21% | +2.21 |
| MBB iShares MBS ETF | Add +2318.9% | 2.16% | +2.06 |
| SPMB SS SPDR P Mort Back Bond ETF | Add +1315.1% | 2.08% | +1.93 |
| IEI iShares 3-7 Year Treasury Bo | Add +49.3% | 1.57% | +0.48 |
| NUHY Nuveen ESG Hi YLD Corp. BND | New | 0.42% | +0.42 |
| EMB iShares JP Morgan Usd Emergi | New | 0.39% | +0.39 |
| ARTY iShares Future AI & Tech ETF | New | 0.35% | +0.35 |
| AIPO Defiance AI & Power Infr ETF | New | 0.34% | +0.34 |
| SUSC iShares ESG Aware Usd Corpor | New | 0.31% | +0.31 |
| AGG iShares Core U.S. Aggregate | Add +7.0% | 6.88% | +0.20 |
| BIV Vanguard Intermediate-Term B | Add +6.6% | 7.02% | +0.19 |
| BILS SS Spdrb B 3-12M T-Bill ETF | Add +9.8% | 2.32% | +0.13 |
| IUSB Ishr CR Unvrse Usd BD ETF-Ui | Add +7.8% | 3.48% | +0.13 |
| ICLN iShares Global Clean Energy | New | 0.12% | +0.12 |
| EUSB Ishr ESG Advn Universal BD-$ | Add +15.4% | 1.13% | +0.12 |
| USFR Wisdomtree Floating Rate Tre | Add +16.5% | 0.96% | +0.11 |
| WIP State Street SPDR Ftse Inter | New | 0.10% | +0.10 |
| EAGG iShares ESG Aware US Aggrega | Add +13.0% | 1.12% | +0.09 |
| BND Vanguard Total Bond Market | Add +6.8% | 3.35% | +0.09 |
| GOOG Alphabet Inc. Class C | New | 0.09% | +0.09 |
| NUBD Nuveen ESG US Aggregate Bond | Add +13.1% | 1.01% | +0.08 |
| GBIL Goldman Sachs Access Treasur | Add +7.3% | 2.36% | +0.08 |
| GEV GE Vernova Inc. | Add +3.0% | 0.17% | +0.01 |
| SNPE Xtrckr S&P 500 Scor&scrn ETF | Add +0.5% | 0.90% | +0.01 |
| IEF iShares 7-10 Year Treasury B | Add +4.5% | 1.32% | +0.01 |
| SGOV iShares 0-3 Month Treasury B | Add +4.5% | 0.52% | +0.00 |
| BIL SS SPDR BB 1-3M T-Bill ETF | Add +4.6% | 0.43% | +0.00 |
| AMZN Amazon.com Inc. | Add +1.0% | 0.09% | +0.00 |
| MSFT Microsoft Corp. | Add +0.3% | 1.14% | −0.12 |
| ANET Arista Networks Inc. | Add +0.2% | 1.56% | −0.23 |
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 |