Retirement Financial Solutions, LLC
In its 13F for Q3 2024 (holdings as of September 30, 2024, filed October 29, 2024), Retirement Financial Solutions, LLC reported 40 stock positions worth $228.4 million. Its top holding was Ste STR SPDR PT S&P 500 ETF (SPYM) at 8.9% of the portfolio, followed by Invesco Nasdaq 100 ETF (QQQM, 8.7%) and SS SPDR P S&P 500 Value ETF (SPYV, 8.6%). Compared with Q2 2024, it opened 1 new position, sold out of 1, added to 27 and reduced 10. The biggest buy was Vngrd Mrngst SL-CP Val ETF-U (VBR, shares +2%) and the biggest sale SS SPDR P S&P 500 Growth ETF (SPYG, shares −1%).
- Most Recent 13F
- Q2 2026
- Location
- KNOXVILLE, TN
- CIK
- 0001962532
- Portfolio Value
- $228.4M (Q3 2024)
- SEC Filing
- 0001962532-24-000005 ↗ filed Oct 29, 2024
Holdings Value
Holdings 40 stocks · $228.4M
| SPYM Ste STR SPDR PT S&P 500 ETF | 8.89% | 300,655 | $20.3M | Reduce -0.8% |
| QQQM Invesco Nasdaq 100 ETF | 8.70% | 98,941 | $19.9M | Add +0.7% |
| SPYV SS SPDR P S&P 500 Value ETF | 8.63% | 372,926 | $19.7M | Add +1.4% |
| VBR Vngrd Mrngst SL-CP Val ETF-U | 8.60% | 97,860 | $19.6M | Add +2.0% |
| VO Vngrd Mrngstr MD-Cap ETF-Usd | 8.58% | 74,232 | $19.6M | Add +1.9% |
| SPSM SS SPDR P S&P 600 Small Cap | 8.57% | 430,183 | $19.6M | Add +1.7% |
| IEF iShares 7-10 Year Treasury B | 6.70% | 155,947 | $15.3M | Add +1.3% |
| SPYG SS SPDR P S&P 500 Growth ETF | 6.13% | 168,834 | $14.0M | Reduce -0.6% |
| EEM iShares MSCI Emerging Market | 5.18% | 257,891 | $11.8M | Add +1.8% |
| SHYG iShares 0-5 YR HY Corp. Bond | 4.25% | 223,600 | $9.7M | Add +2.4% |
| TLT iShares 20+ Year Treasury BD | 4.00% | 93,102 | $9.1M | Add +0.8% |
| JEPI JPMorgan Equity Premium Inco | 3.71% | 142,527 | $8.5M | Add +1.9% |
| SPHD Invesco S&P 500 High Dividen | 3.12% | 140,944 | $7.1M | Reduce -0.9% |
| HEDJ Wisdomtree Europe Hedged Equ | 2.69% | 136,655 | $6.1M | Add +4.9% |
| SHY iShares 1-3 Year Treasury Bo | 1.96% | 53,924 | $4.5M | Add +0.4% |
| IGIB iShares 5-10Y Inv Grade Corp. | 1.95% | 82,865 | $4.5M | Add +0.8% |
| SAIC Science Applications Inte | 0.95% | 15,635 | $2.2M | No change |
| VOO Vanguard S&P 500 ETF | 0.76% | 3,297 | $1.7M | Add +2.7% |
| VNQ Vanguard Real Estate ETF | 0.70% | 16,382 | $1.6M | Reduce -2.7% |
| GLD SPDR Gold Shares | 0.57% | 5,343 | $1.3M | Reduce -3.9% |
| AAPL Apple Inc. | 0.53% | 5,160 | $1.2M | Reduce -7.1% |
| UUP Invesco DB US Dollar Index B | 0.52% | 42,340 | $1.2M | Add +1.4% |
| VXUS Vanguard Total Intl Stock | 0.44% | 15,692 | $1.0M | Add +0.4% |
| VOE Vngrd Mrngstr MD-Cap Val ETF | 0.38% | 5,209 | $873K | Add +1.1% |
| AMLP Alerian MLP ETF | 0.32% | 15,701 | $740K | Add +1.2% |
| QYLD Global X Nasd 100 Cov Call | 0.32% | 40,518 | $731K | Add +1.8% |
| BRK.B Berkshire Hathaway Inc. Class B | 0.31% | 1,538 | $708K | Add +1.1% |
| DBMF Imgp Dbi MFT STR ETF-Usd Inc. | 0.31% | 25,049 | $705K | Add +2.4% |
| SRLN SS Blackstone Sr Loan ETF | 0.31% | 16,837 | $703K | Add +1.9% |
| VONE Vanguard Russell 1000 | 0.28% | 2,444 | $635K | Add +0.7% |
| KO The Coca-Cola Co. | 0.25% | 8,046 | $578K | Add +0.4% |
| VTI VG Morningstar TS MKT ETF-US | 0.23% | 1,819 | $515K | Add +0.3% |
| MSFT Microsoft Corp. | 0.19% | 1,026 | $442K | Reduce -2.6% |
| NVDA Nvidia Corp. | 0.19% | 3,489 | $424K | Add +3.2% |
| XOM Exxon Mobil Corp. | 0.17% | 3,383 | $396K | Reduce -5.2% |
| ETN Eaton Corp. PLC | 0.16% | 1,099 | $364K | Add +0.3% |
| SYY Sysco Corp. | 0.14% | 4,072 | $318K | No change |
| FBRT Franklin BSP Realty Trust Inc. | 0.11% | 19,419 | $254K | Reduce -21.9% |
| AHR American Healthcare REIT Inc. | 0.10% | 8,973 | $234K | New |
| PKST Peakstone Realty Trust | 0.09% | 14,297 | $195K | Reduce -8.1% |
Portfolio Sells Q2 2024 → Q3 2024
| SPYG SS SPDR P S&P 500 Growth ETF | Reduce -0.6% | 6.13% | −0.27 |
| SPYM Ste STR SPDR PT S&P 500 ETF | Reduce -0.8% | 8.89% | −0.24 |
| PECO Phillips Edison & Company Inc. | Sold out | 0.00% | −0.09 |
| FBRT Franklin BSP Realty Trust Inc. | Reduce -21.9% | 0.11% | −0.04 |
| MSFT Microsoft Corp. | Reduce -2.6% | 0.19% | −0.03 |
| AAPL Apple Inc. | Reduce -7.1% | 0.53% | −0.02 |
| XOM Exxon Mobil Corp. | Reduce -5.2% | 0.17% | −0.02 |
| GLD SPDR Gold Shares | Reduce -3.9% | 0.57% | +0.01 |
| PKST Peakstone Realty Trust | Reduce -8.1% | 0.09% | +0.01 |
| VNQ Vanguard Real Estate ETF | Reduce -2.7% | 0.70% | +0.04 |
| SPHD Invesco S&P 500 High Dividen | Reduce -0.9% | 3.12% | +0.15 |
Portfolio Buys Q2 2024 → Q3 2024
| VBR Vngrd Mrngst SL-CP Val ETF-U | Add +2.0% | 8.60% | +0.36 |
| SPSM SS SPDR P S&P 600 Small Cap | Add +1.7% | 8.57% | +0.30 |
| VO Vngrd Mrngstr MD-Cap ETF-Usd | Add +1.9% | 8.58% | +0.28 |
| SPYV SS SPDR P S&P 500 Value ETF | Add +1.4% | 8.63% | +0.20 |
| AHR American Healthcare REIT Inc. | New | 0.10% | +0.10 |
| EEM iShares MSCI Emerging Market | Add +1.8% | 5.18% | +0.10 |
| BRK.B Berkshire Hathaway Inc. Class B | Add +1.1% | 0.31% | +0.02 |
| VOE Vngrd Mrngstr MD-Cap Val ETF | Add +1.1% | 0.38% | +0.02 |
| KO The Coca-Cola Co. | Add +0.4% | 0.25% | +0.01 |
| TLT iShares 20+ Year Treasury BD | Add +0.8% | 4.00% | +0.01 |
| VOO Vanguard S&P 500 ETF | Add +2.7% | 0.76% | +0.01 |
| VXUS Vanguard Total Intl Stock | Add +0.4% | 0.44% | +0.00 |
| ETN Eaton Corp. PLC | Add +0.3% | 0.16% | −0.00 |
| VTI VG Morningstar TS MKT ETF-US | Add +0.3% | 0.23% | −0.00 |
| VONE Vanguard Russell 1000 | Add +0.7% | 0.28% | −0.00 |
| QYLD Global X Nasd 100 Cov Call | Add +1.8% | 0.32% | −0.01 |
| NVDA Nvidia Corp. | Add +3.2% | 0.19% | −0.01 |
| JEPI JPMorgan Equity Premium Inco | Add +1.9% | 3.71% | −0.02 |
| SRLN SS Blackstone Sr Loan ETF | Add +1.9% | 0.31% | −0.02 |
| AMLP Alerian MLP ETF | Add +1.2% | 0.32% | −0.03 |
| IGIB iShares 5-10Y Inv Grade Corp. | Add +0.8% | 1.95% | −0.03 |
| DBMF Imgp Dbi MFT STR ETF-Usd Inc. | Add +2.4% | 0.31% | −0.04 |
| UUP Invesco DB US Dollar Index B | Add +1.4% | 0.52% | −0.05 |
| SHYG iShares 0-5 YR HY Corp. Bond | Add +2.4% | 4.25% | −0.08 |
| HEDJ Wisdomtree Europe Hedged Equ | Add +4.9% | 2.69% | −0.08 |
| IEF iShares 7-10 Year Treasury B | Add +1.3% | 6.70% | −0.09 |
| SHY iShares 1-3 Year Treasury Bo | Add +0.4% | 1.96% | −0.10 |
| QQQM Invesco Nasdaq 100 ETF | Add +0.7% | 8.70% | −0.41 |
All Filings
| Quarter | Positions | 13F Reported Value | Top Holdings |
|---|---|---|---|
| Q2 2026 | 53 | $406.8M | AVUS, AVSC, AVUV, SPYM, AVEM |
| Q1 2026 | 53 | $349.8M | AVUS, AVUV, AVSC, SPYM, VGLT |
| Q4 2025 | 47 | $341.6M | AVUS, AVSC, AVUV, SPYM, SPMD |
| Q3 2025Amended | 45 | $319.5M | SPYM, SPMD, AVSC, AVUV, QQQJ |
| Q2 2025Amended | 38 | $284.1M | SPYM, VO, VBR, SPSM, IEF |
| Q1 2025Amended | 37 | $256.9M | SPYM, VO, VBR, SPSM, IEF |
| Q4 2024 | 37 | $185.5M | SPSM, VO, VBR, SPYM, QQQM |
| Q3 2024 | 40 | $228.4M | SPYM, QQQM, SPYV, VBR, VO |
| Q2 2024 | 40 | $212.5M | SPYM, QQQM, SPYV, VO, SPSM |
| Q1 2024 | 40 | $194.5M | SPYM, SPYV, VBR, QQQM, VO |