Retirement Financial Solutions, LLC
In its 13F for Q4 2024 (holdings as of December 31, 2024, filed January 31, 2025), Retirement Financial Solutions, LLC reported 37 stock positions worth $185.5 million. Its top holding was SS SPDR P S&P 600 Small Cap (SPSM) at 10.5% of the portfolio, followed by Vngrd Mrngstr MD-Cap ETF-Usd (VO, 10.5%) and Vngrd Mrngst SL-CP Val ETF-U (VBR, 10.5%). Compared with Q3 2024, it sold out of 3, added to 12 and reduced 21. The biggest buy was Wisdomtree Europe Hedged Equ (HEDJ, shares +64%) and the biggest sale an exit from SS SPDR P S&P 500 Value ETF (SPYV).
- Most Recent 13F
- Q2 2026
- Location
- KNOXVILLE, TN
- CIK
- 0001962532
- Portfolio Value
- $185.5M (Q4 2024)
- SEC Filing
- 0001962532-25-000001 ↗ filed Jan 31, 2025
Holdings Value
Holdings 37 stocks · $185.5M
| SPSM SS SPDR P S&P 600 Small Cap | 10.55% | 435,382 | $19.6M | Add +1.2% |
| VO Vngrd Mrngstr MD-Cap ETF-Usd | 10.50% | 73,688 | $19.5M | Reduce -0.7% |
| VBR Vngrd Mrngst SL-CP Val ETF-U | 10.47% | 97,990 | $19.4M | Add +0.1% |
| SPYM Ste STR SPDR PT S&P 500 ETF | 10.42% | 280,258 | $19.3M | Reduce -6.8% |
| QQQM Invesco Nasdaq 100 ETF | 8.40% | 74,008 | $15.6M | Reduce -25.2% |
| IEF iShares 7-10 Year Treasury B | 7.63% | 152,983 | $14.1M | Reduce -1.9% |
| EEM iShares MSCI Emerging Market | 6.82% | 302,451 | $12.6M | Add +17.3% |
| HEDJ Wisdomtree Europe Hedged Equ | 5.29% | 224,288 | $9.8M | Add +64.1% |
| SHYG iShares 0-5 YR HY Corp. Bond | 5.01% | 217,927 | $9.3M | Reduce -2.5% |
| TLT iShares 20+ Year Treasury BD | 4.35% | 92,466 | $8.1M | Reduce -0.7% |
| JEPI JPMorgan Equity Premium Inco | 3.95% | 127,182 | $7.3M | Reduce -10.8% |
| SPHD Invesco S&P 500 High Dividen | 3.49% | 134,014 | $6.5M | Reduce -4.9% |
| SHY iShares 1-3 Year Treasury Bo | 2.23% | 50,530 | $4.1M | Reduce -6.3% |
| IGIB iShares 5-10Y Inv Grade Corp. | 2.21% | 79,632 | $4.1M | Reduce -3.9% |
| VOO Vanguard S&P 500 ETF | 0.96% | 3,316 | $1.8M | Add +0.6% |
| SAIC Science Applications Inte | 0.94% | 15,635 | $1.7M | No change |
| AAPL Apple Inc. | 0.69% | 5,095 | $1.3M | Reduce -1.3% |
| GLD SPDR Gold Shares | 0.58% | 4,453 | $1.1M | Reduce -16.7% |
| UUP Invesco DB US Dollar Index B | 0.52% | 32,933 | $969K | Reduce -22.2% |
| VXUS Vanguard Total Intl Stock | 0.51% | 15,959 | $940K | Add +1.7% |
| VNQ Vanguard Real Estate ETF | 0.51% | 10,546 | $939K | Reduce -35.6% |
| VOE Vngrd Mrngstr MD-Cap Val ETF | 0.46% | 5,241 | $848K | Add +0.6% |
| BRK.B Berkshire Hathaway Inc. Class B | 0.38% | 1,538 | $697K | No change |
| VONE Vanguard Russell 1000 | 0.35% | 2,451 | $654K | Add +0.3% |
| VTI VG Morningstar TS MKT ETF-US | 0.29% | 1,831 | $531K | Add +0.7% |
| KO The Coca-Cola Co. | 0.27% | 8,003 | $498K | Reduce -0.5% |
| AMLP Alerian MLP ETF | 0.26% | 9,928 | $478K | Reduce -36.8% |
| QYLD Global X Nasd 100 Cov Call | 0.25% | 25,691 | $468K | Reduce -36.6% |
| NVDA Nvidia Corp. | 0.25% | 3,464 | $465K | Reduce -0.7% |
| SRLN SS Blackstone Sr Loan ETF | 0.24% | 10,838 | $452K | Reduce -35.6% |
| MSFT Microsoft Corp. | 0.24% | 1,050 | $443K | Add +2.3% |
| DBMF Imgp Dbi MFT STR ETF-Usd Inc. | 0.23% | 16,253 | $425K | Reduce -35.1% |
| XOM Exxon Mobil Corp. | 0.20% | 3,429 | $369K | Add +1.4% |
| ETN Eaton Corp. PLC | 0.20% | 1,102 | $366K | Add +0.3% |
| SYY Sysco Corp. | 0.17% | 4,072 | $311K | No change |
| FBRT Franklin BSP Realty Trust Inc. | 0.12% | 17,607 | $221K | Reduce -9.3% |
| PKST Peakstone Realty Trust | 0.09% | 14,297 | $158K | No change |
Portfolio Sells Q3 2024 → Q4 2024
| SPYV SS SPDR P S&P 500 Value ETF | Sold out | 0.00% | −8.63 |
| SPYG SS SPDR P S&P 500 Growth ETF | Sold out | 0.00% | −6.13 |
| QQQM Invesco Nasdaq 100 ETF | Reduce -25.2% | 8.40% | −0.30 |
| VNQ Vanguard Real Estate ETF | Reduce -35.6% | 0.51% | −0.19 |
| AHR American Healthcare REIT Inc. | Sold out | 0.00% | −0.10 |
| DBMF Imgp Dbi MFT STR ETF-Usd Inc. | Reduce -35.1% | 0.23% | −0.08 |
| QYLD Global X Nasd 100 Cov Call | Reduce -36.6% | 0.25% | −0.07 |
| AMLP Alerian MLP ETF | Reduce -36.8% | 0.26% | −0.07 |
| SRLN SS Blackstone Sr Loan ETF | Reduce -35.6% | 0.24% | −0.06 |
| UUP Invesco DB US Dollar Index B | Reduce -22.2% | 0.52% | 0.00 |
| FBRT Franklin BSP Realty Trust Inc. | Reduce -9.3% | 0.12% | +0.01 |
| GLD SPDR Gold Shares | Reduce -16.7% | 0.58% | +0.01 |
| KO The Coca-Cola Co. | Reduce -0.5% | 0.27% | +0.02 |
| NVDA Nvidia Corp. | Reduce -0.7% | 0.25% | +0.07 |
| AAPL Apple Inc. | Reduce -1.3% | 0.69% | +0.16 |
| JEPI JPMorgan Equity Premium Inco | Reduce -10.8% | 3.95% | +0.23 |
| IGIB iShares 5-10Y Inv Grade Corp. | Reduce -3.9% | 2.21% | +0.26 |
| SHY iShares 1-3 Year Treasury Bo | Reduce -6.3% | 2.23% | +0.27 |
| TLT iShares 20+ Year Treasury BD | Reduce -0.7% | 4.35% | +0.36 |
| SPHD Invesco S&P 500 High Dividen | Reduce -4.9% | 3.49% | +0.37 |
| SHYG iShares 0-5 YR HY Corp. Bond | Reduce -2.5% | 5.01% | +0.76 |
| IEF iShares 7-10 Year Treasury B | Reduce -1.9% | 7.63% | +0.93 |
| SPYM Ste STR SPDR PT S&P 500 ETF | Reduce -6.8% | 10.42% | +1.53 |
| VO Vngrd Mrngstr MD-Cap ETF-Usd | Reduce -0.7% | 10.50% | +1.92 |
Portfolio Buys Q3 2024 → Q4 2024
| HEDJ Wisdomtree Europe Hedged Equ | Add +64.1% | 5.29% | +2.60 |
| SPSM SS SPDR P S&P 600 Small Cap | Add +1.2% | 10.55% | +1.97 |
| VBR Vngrd Mrngst SL-CP Val ETF-U | Add +0.1% | 10.47% | +1.87 |
| EEM iShares MSCI Emerging Market | Add +17.3% | 6.82% | +1.64 |
| VOO Vanguard S&P 500 ETF | Add +0.6% | 0.96% | +0.20 |
| VOE Vngrd Mrngstr MD-Cap Val ETF | Add +0.6% | 0.46% | +0.07 |
| VONE Vanguard Russell 1000 | Add +0.3% | 0.35% | +0.07 |
| VXUS Vanguard Total Intl Stock | Add +1.7% | 0.51% | +0.06 |
| VTI VG Morningstar TS MKT ETF-US | Add +0.7% | 0.29% | +0.06 |
| MSFT Microsoft Corp. | Add +2.3% | 0.24% | +0.05 |
| ETN Eaton Corp. PLC | Add +0.3% | 0.20% | +0.04 |
| XOM Exxon Mobil Corp. | Add +1.4% | 0.20% | +0.03 |
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 |