Retirement Capital Strategies
In its 13F for Q1 2026 (holdings as of March 31, 2026, filed May 15, 2026), Retirement Capital Strategies reported 62 stock positions worth $264.6 million. Its top holding was Vanguard Tot World STK ETF (VT) at 11.4% of the portfolio, followed by VG Morningstar TS MKT ETF-US (VTI, 10.6%) and Vanguard Intermediate-Term B (BIV, 7.4%). Compared with Q4 2025, it opened 5 new positions, sold out of 11, added to 20 and reduced 16. The biggest buy was a new position in JPMorgan Ultra-Short Income (JPST) and the biggest sale an exit from iShares MBS ETF (MBB).
- Most Recent 13F
- Q2 2026
- Location
- SAN JOSE, CA
- CIK
- 0001672681
- Portfolio Value
- $264.6M (Q1 2026)
- SEC Filing
- 0001214659-26-006225 ↗ filed May 15, 2026
Holdings Value
Holdings 62 stocks · $264.6M
| VT Vanguard Tot World STK ETF | 11.39% | 217,936 | $30.1M | Add +1.7% |
| VTI VG Morningstar TS MKT ETF-US | 10.62% | 87,570 | $28.1M | Add +3.5% |
| BIV Vanguard Intermediate-Term B | 7.45% | 255,252 | $19.7M | Add +5.0% |
| AGG iShares Core U.S. Aggregate | 7.27% | 193,786 | $19.2M | Add +4.2% |
| VOO Vanguard S&P 500 ETF | 5.35% | 23,681 | $14.2M | Reduce -1.3% |
| JPST JPMorgan Ultra-Short Income | 4.26% | 222,751 | $11.3M | New |
| SPTM SS SPDR P S&P 1500 Comp ETF | 3.98% | 133,080 | $10.5M | Reduce -1.2% |
| EFIV SS SPDR S&P 500 ESG ETF | 3.75% | 157,122 | $9.9M | Reduce -1.1% |
| IUSB Ishr CR Unvrse Usd BD ETF-Ui | 3.73% | 213,628 | $9.9M | Add +5.9% |
| BND Vanguard Total Bond Market | 3.47% | 124,837 | $9.2M | Add +2.4% |
| GSY Invesco Ultra Short Duration | 3.25% | 171,792 | $8.6M | New |
| GBIL Goldman Sachs Access Treasur | 2.71% | 71,602 | $7.2M | Add +12.4% |
| BILS SS Spdrb B 3-12M T-Bill ETF | 2.66% | 70,766 | $7.0M | Add +12.1% |
| AAPL Apple Inc. | 2.61% | 27,249 | $6.9M | Reduce -0.6% |
| USFR Wisdomtree Floating Rate Tre | 2.14% | 112,397 | $5.7M | Add +119.4% |
| MMM 3M Co. | 1.76% | 31,982 | $4.6M | Reduce -0.8% |
| ANET Arista Networks Inc. | 1.49% | 32,156 | $3.9M | Add +0.0% |
| ESGV Vanguard ESG US Stock ETF | 1.37% | 32,300 | $3.6M | Reduce -1.5% |
| ICSH iShares Ultra Short Duration | 1.29% | 67,423 | $3.4M | New |
| EUSB Ishr ESG Advn Universal BD-$ | 1.17% | 71,395 | $3.1M | Add +2.7% |
| XBIL F/M US Treasury 6 Month Bill | 1.17% | 61,809 | $3.1M | Reduce -7.0% |
| EAGG iShares ESG Aware US Aggrega | 1.17% | 64,926 | $3.1M | Add +2.6% |
| LPLA LPL Financial Holdings Inc. | 1.14% | 10,041 | $3.0M | No change |
| GSST Goldman Sachs Ultra Short Bo | 1.08% | 56,502 | $2.9M | Add +599.3% |
| NUBD Nuveen ESG US Aggregate Bond | 1.05% | 125,122 | $2.8M | Add +3.0% |
| GLD SPDR Gold Shares | 0.92% | 5,681 | $2.4M | Reduce -62.3% |
| MSFT Microsoft Corp. | 0.89% | 6,369 | $2.4M | Add +0.4% |
| NVDA Nvidia Corp. | 0.87% | 13,176 | $2.3M | Add +0.3% |
| SNPE Xtrckr S&P 500 Scor&scrn ETF | 0.86% | 38,395 | $2.3M | Reduce -0.9% |
| TFLO iShares Treasury Floating Ra | 0.82% | 42,693 | $2.2M | Add +59.4% |
| SHV iShares 0-1 Year Treasury Bo | 0.70% | 16,679 | $1.8M | Add +92.8% |
| SLV iShares Silver Trust | 0.58% | 22,333 | $1.5M | Reduce -76.6% |
| TBIL F/M US Treasury 3 Month Bill | 0.55% | 29,090 | $1.5M | Reduce -23.7% |
| ETN Eaton Corp. PLC | 0.54% | 3,996 | $1.4M | No change |
| SGOV iShares 0-3 Month Treasury B | 0.51% | 13,391 | $1.3M | Reduce -4.3% |
| TSLA Tesla Inc. | 0.44% | 3,162 | $1.2M | No change |
| BIL SS SPDR BB 1-3M T-Bill ETF | 0.42% | 12,026 | $1.1M | Reduce -5.2% |
| CSCO Cisco Systems Inc. | 0.42% | 14,200 | $1.1M | No change |
| ESGU iShares ESG Aware MSCI USA | 0.39% | 7,241 | $1.0M | Reduce -3.0% |
| MDY State Street SPDR S&P Midcap | 0.35% | 1,502 | $926K | No change |
| XVV iShares ESG Select Screened | 0.29% | 15,381 | $757K | No change |
| GEV GE Vernova Inc. | 0.24% | 720 | $628K | Add +0.1% |
| OBIL F/M US Treasury 12 Month Bil | 0.23% | 12,115 | $607K | Reduce -44.6% |
| INTC Intel Corp. | 0.22% | 12,991 | $573K | No change |
| GE General Electric filed as GE AEROSPACE | 0.21% | 1,991 | $565K | No change |
| IVV iShares Core S&P 500 ETF | 0.20% | 824 | $538K | No change |
| SHY iShares 1-3 Year Treasury Bo | 0.19% | 6,091 | $503K | No change |
| SPTS SS SPDR P St Term TSY ETF | 0.19% | 17,229 | $503K | No change |
| VGSH Vanguard Short-Term Treasury | 0.19% | 8,583 | $502K | No change |
| SCHO Schwab Short-Term US Treas | 0.19% | 20,695 | $502K | No change |
| SOLV Solventum Corp. | 0.17% | 6,827 | $446K | No change |
| ITOT iShares Core S&P Total U.S. | 0.16% | 2,954 | $421K | No change |
| ICLN iShares Global Clean Energy | 0.13% | 19,421 | $355K | Reduce -4.6% |
| MGC Vngrd Mrngstr MG Cap ETF-Usd | 0.11% | 1,277 | $302K | No change |
| DFAC Dimensional US Core Equity 2 | 0.10% | 7,114 | $276K | No change |
| IHAK iShares Cybersecurity & Tech | 0.10% | 6,015 | $263K | No change |
| VB Vanguard Most SM-Cap ETF-Usd | 0.09% | 907 | $238K | No change |
| TAN Invesco Solar ETF | 0.09% | 4,196 | $234K | New |
| GOOG Alphabet Inc. Class C | 0.08% | 768 | $220K | No change |
| SUSL iShares ESG MSCI USA Leaders | 0.08% | 1,911 | $217K | No change |
| AMZN Amazon.com Inc. | 0.08% | 1,036 | $216K | Add +2.4% |
| GOOGL Alphabet Inc. Class A | 0.08% | 704 | $202K | New |
Portfolio Sells Q4 2025 → Q1 2026
| MBB iShares MBS ETF | Sold out | 0.00% | −2.16 |
| SPMB SS SPDR P Mort Back Bond ETF | Sold out | 0.00% | −2.08 |
| SLV iShares Silver Trust | Reduce -76.6% | 0.58% | −1.70 |
| IEI iShares 3-7 Year Treasury Bo | Sold out | 0.00% | −1.57 |
| IEF iShares 7-10 Year Treasury B | Sold out | 0.00% | −1.32 |
| GLD SPDR Gold Shares | Reduce -62.3% | 0.92% | −1.29 |
| NUHY Nuveen ESG Hi YLD Corp. BND | Sold out | 0.00% | −0.42 |
| EMB iShares JP Morgan Usd Emergi | Sold out | 0.00% | −0.39 |
| ARTY iShares Future AI & Tech ETF | Sold out | 0.00% | −0.35 |
| AIPO Defiance AI & Power Infr ETF | Sold out | 0.00% | −0.34 |
| SUSC iShares ESG Aware Usd Corpor | Sold out | 0.00% | −0.31 |
| VOO Vanguard S&P 500 ETF | Reduce -1.3% | 5.35% | −0.23 |
| OBIL F/M US Treasury 12 Month Bil | Reduce -44.6% | 0.23% | −0.18 |
| MMM 3M Co. | Reduce -0.8% | 1.76% | −0.16 |
| TBIL F/M US Treasury 3 Month Bill | Reduce -23.7% | 0.55% | −0.16 |
| EFIV SS SPDR S&P 500 ESG ETF | Reduce -1.1% | 3.75% | −0.15 |
| AAPL Apple Inc. | Reduce -0.6% | 2.61% | −0.15 |
| SPTM SS SPDR P S&P 1500 Comp ETF | Reduce -1.2% | 3.98% | −0.14 |
| ESGV Vanguard ESG US Stock ETF | Reduce -1.5% | 1.37% | −0.10 |
| WIP State Street SPDR Ftse Inter | Sold out | 0.00% | −0.10 |
| XLV SS Health Care Select Sector | Sold out | 0.00% | −0.08 |
| XBIL F/M US Treasury 6 Month Bill | Reduce -7.0% | 1.17% | −0.07 |
| SNPE Xtrckr S&P 500 Scor&scrn ETF | Reduce -0.9% | 0.86% | −0.03 |
| ESGU iShares ESG Aware MSCI USA | Reduce -3.0% | 0.39% | −0.03 |
| BIL SS SPDR BB 1-3M T-Bill ETF | Reduce -5.2% | 0.42% | −0.01 |
| SGOV iShares 0-3 Month Treasury B | Reduce -4.3% | 0.51% | −0.01 |
| ICLN iShares Global Clean Energy | Reduce -4.6% | 0.13% | +0.01 |
Portfolio Buys Q4 2025 → Q1 2026
| JPST JPMorgan Ultra-Short Income | New | 4.26% | +4.26 |
| GSY Invesco Ultra Short Duration | New | 3.25% | +3.25 |
| ICSH iShares Ultra Short Duration | New | 1.29% | +1.29 |
| USFR Wisdomtree Floating Rate Tre | Add +119.4% | 2.14% | +1.18 |
| GSST Goldman Sachs Ultra Short Bo | Add +599.3% | 1.08% | +0.93 |
| BIV Vanguard Intermediate-Term B | Add +5.0% | 7.45% | +0.43 |
| AGG iShares Core U.S. Aggregate | Add +4.2% | 7.27% | +0.39 |
| GBIL Goldman Sachs Access Treasur | Add +12.4% | 2.71% | +0.35 |
| SHV iShares 0-1 Year Treasury Bo | Add +92.8% | 0.70% | +0.34 |
| BILS SS Spdrb B 3-12M T-Bill ETF | Add +12.1% | 2.66% | +0.34 |
| TFLO iShares Treasury Floating Ra | Add +59.4% | 0.82% | +0.32 |
| IUSB Ishr CR Unvrse Usd BD ETF-Ui | Add +5.9% | 3.73% | +0.25 |
| VT Vanguard Tot World STK ETF | Add +1.7% | 11.39% | +0.18 |
| BND Vanguard Total Bond Market | Add +2.4% | 3.47% | +0.13 |
| VTI VG Morningstar TS MKT ETF-US | Add +3.5% | 10.62% | +0.09 |
| TAN Invesco Solar ETF | New | 0.09% | +0.09 |
| GOOGL Alphabet Inc. Class A | New | 0.08% | +0.08 |
| GEV GE Vernova Inc. | Add +0.1% | 0.24% | +0.06 |
| EAGG iShares ESG Aware US Aggrega | Add +2.6% | 1.17% | +0.04 |
| NUBD Nuveen ESG US Aggregate Bond | Add +3.0% | 1.05% | +0.04 |
| EUSB Ishr ESG Advn Universal BD-$ | Add +2.7% | 1.17% | +0.04 |
| AMZN Amazon.com Inc. | Add +2.4% | 0.08% | −0.01 |
| NVDA Nvidia Corp. | Add +0.3% | 0.87% | −0.04 |
| ANET Arista Networks Inc. | Add +0.0% | 1.49% | −0.07 |
| MSFT Microsoft Corp. | Add +0.4% | 0.89% | −0.25 |
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 |