Retirement Financial Solutions, LLC
In its 13F for Q1 2025 (holdings as of March 31, 2025, filed March 10, 2026), Retirement Financial Solutions, LLC reported 37 stock positions worth $256.9 million. Its top holding was Ste STR SPDR PT S&P 500 ETF (SPYM) at 11.9% of the portfolio, followed by Vngrd Mrngstr MD-Cap ETF-Usd (VO, 7.8%) and Vngrd Mrngst SL-CP Val ETF-U (VBR, 7.5%). Compared with Q4 2024, it opened 10 new positions, sold out of 10, added to 25 and reduced 2. The biggest buy was a new position in SS SPDR Dow Jones Indus Avg (DIA) and the biggest sale an exit from Science Applications Inte (SAIC).
- Most Recent 13F
- Q2 2026
- Location
- KNOXVILLE, TN
- CIK
- 0001962532
- Portfolio Value
- $256.9M (Q1 2025)
- SEC Filing
- 0001962532-26-000002 ↗ filed Mar 10, 2026
Holdings Value
Holdings 37 stocks · $256.9M
| SPYM Ste STR SPDR PT S&P 500 ETF | 11.93% | 466,141 | $30.7M | Add +66.3% |
| VO Vngrd Mrngstr MD-Cap ETF-Usd | 7.79% | 77,385 | $20.0M | Add +5.0% |
| VBR Vngrd Mrngst SL-CP Val ETF-U | 7.49% | 103,294 | $19.2M | Add +5.4% |
| SPSM SS SPDR P S&P 600 Small Cap | 7.29% | 459,649 | $18.7M | Add +5.6% |
| IEF iShares 7-10 Year Treasury B | 6.79% | 182,963 | $17.4M | Add +19.6% |
| QQQM Invesco Nasdaq 100 ETF | 5.77% | 76,736 | $14.8M | Add +3.7% |
| EEM iShares MSCI Emerging Market | 5.50% | 323,042 | $14.1M | Add +6.8% |
| SHYG iShares 0-5 YR HY Corp. Bond | 4.29% | 258,984 | $11.0M | Add +18.8% |
| HEDJ Wisdomtree Europe Hedged Equ | 4.28% | 231,515 | $11.0M | Add +3.2% |
| TLT iShares 20+ Year Treasury BD | 3.94% | 111,195 | $10.1M | Add +20.3% |
| DIA SS SPDR Dow Jones Indus Avg filed as SPDR DOW JONES INDL AVERAGE | 3.62% | 22,119 | $9.3M | New |
| JEPI JPMorgan Equity Premium Inco | 3.44% | 154,475 | $8.8M | Add +21.5% |
| QQQ Invesco QQQ Trust Series 1 | 3.43% | 18,815 | $8.8M | New |
| COWZ Pacer US Cash Cows 100 ETF | 3.32% | 155,976 | $8.5M | New |
| SPHD Invesco S&P 500 High Dividen | 3.06% | 156,686 | $7.9M | Add +16.9% |
| RSP Invesco S&P 500 Equal Weight | 2.43% | 36,001 | $6.2M | New |
| MGC Vngrd Mrngstr MG Cap ETF-Usd | 2.37% | 30,282 | $6.1M | New |
| SHY iShares 1-3 Year Treasury Bo | 2.00% | 62,073 | $5.1M | Add +22.8% |
| IGIB iShares 5-10Y Inv Grade Corp. | 1.96% | 95,635 | $5.0M | Add +20.1% |
| RWL Invesco S&P 500 Revenue ETF | 1.25% | 32,224 | $3.2M | New |
| SPYV SS SPDR P S&P 500 Value ETF | 1.23% | 61,747 | $3.2M | New |
| EPS Wisdomtree US Large Cap Fund | 1.21% | 52,368 | $3.1M | New |
| SPYG SS SPDR P S&P 500 Growth ETF | 1.17% | 37,281 | $3.0M | New |
| VOO Vanguard S&P 500 ETF | 0.66% | 3,317 | $1.7M | Add +0.0% |
| VNQ Vanguard Real Estate ETF | 0.51% | 14,594 | $1.3M | Add +38.4% |
| GLD SPDR Gold Shares | 0.49% | 4,326 | $1.2M | Reduce -2.9% |
| UUP Invesco DB US Dollar Index B | 0.47% | 42,099 | $1.2M | Add +27.8% |
| VXUS Vanguard Total Intl Stock | 0.39% | 16,007 | $994K | Add +0.3% |
| VOE Vngrd Mrngstr MD-Cap Val ETF | 0.33% | 5,276 | $847K | Add +0.7% |
| AMLP Alerian MLP ETF | 0.27% | 13,114 | $681K | Add +32.1% |
| VONE Vanguard Russell 1000 | 0.24% | 2,459 | $624K | Add +0.3% |
| SRLN SS Blackstone Sr Loan ETF | 0.24% | 14,794 | $608K | Add +36.5% |
| QYLD Global X Nasd 100 Cov Call | 0.23% | 35,116 | $584K | Add +36.7% |
| DBMF Imgp Dbi MFT STR ETF-Usd Inc. | 0.22% | 22,694 | $573K | Add +39.6% |
| VTI VG Morningstar TS MKT ETF-US | 0.20% | 1,841 | $506K | Add +0.6% |
| NVDA Nvidia Corp. | 0.13% | 3,049 | $330K | Reduce -12.0% |
| IVV iShares Core S&P 500 ETF | 0.09% | 393 | $221K | New |
Portfolio Sells Q4 2024 → Q1 2025
| SAIC Science Applications Inte | Sold out | 0.00% | −0.94 |
| AAPL Apple Inc. | Sold out | 0.00% | −0.69 |
| BRK.B Berkshire Hathaway Inc. Class B | Sold out | 0.00% | −0.38 |
| KO The Coca-Cola Co. | Sold out | 0.00% | −0.27 |
| MSFT Microsoft Corp. | Sold out | 0.00% | −0.24 |
| XOM Exxon Mobil Corp. | Sold out | 0.00% | −0.20 |
| ETN Eaton Corp. PLC | Sold out | 0.00% | −0.20 |
| SYY Sysco Corp. | Sold out | 0.00% | −0.17 |
| NVDA Nvidia Corp. | Reduce -12.0% | 0.13% | −0.12 |
| FBRT Franklin BSP Realty Trust Inc. | Sold out | 0.00% | −0.12 |
| GLD SPDR Gold Shares | Reduce -2.9% | 0.49% | −0.10 |
| PKST Peakstone Realty Trust | Sold out | 0.00% | −0.09 |
Portfolio Buys Q4 2024 → Q1 2025
| DIA SS SPDR Dow Jones Indus Avg | New | 3.62% | +3.62 |
| QQQ Invesco QQQ Trust Series 1 | New | 3.43% | +3.43 |
| COWZ Pacer US Cash Cows 100 ETF | New | 3.32% | +3.32 |
| RSP Invesco S&P 500 Equal Weight | New | 2.43% | +2.43 |
| MGC Vngrd Mrngstr MG Cap ETF-Usd | New | 2.37% | +2.37 |
| SPYM Ste STR SPDR PT S&P 500 ETF | Add +66.3% | 11.93% | +1.51 |
| RWL Invesco S&P 500 Revenue ETF | New | 1.25% | +1.25 |
| SPYV SS SPDR P S&P 500 Value ETF | New | 1.23% | +1.23 |
| EPS Wisdomtree US Large Cap Fund | New | 1.21% | +1.21 |
| SPYG SS SPDR P S&P 500 Growth ETF | New | 1.17% | +1.17 |
| IVV iShares Core S&P 500 ETF | New | 0.09% | +0.09 |
| VNQ Vanguard Real Estate ETF | Add +38.4% | 0.51% | +0.01 |
| AMLP Alerian MLP ETF | Add +32.1% | 0.27% | +0.01 |
| DBMF Imgp Dbi MFT STR ETF-Usd Inc. | Add +39.6% | 0.22% | −0.01 |
| SRLN SS Blackstone Sr Loan ETF | Add +36.5% | 0.24% | −0.01 |
| QYLD Global X Nasd 100 Cov Call | Add +36.7% | 0.23% | −0.03 |
| UUP Invesco DB US Dollar Index B | Add +27.8% | 0.47% | −0.05 |
| VTI VG Morningstar TS MKT ETF-US | Add +0.6% | 0.20% | −0.09 |
| VONE Vanguard Russell 1000 | Add +0.3% | 0.24% | −0.11 |
| VXUS Vanguard Total Intl Stock | Add +0.3% | 0.39% | −0.12 |
| VOE Vngrd Mrngstr MD-Cap Val ETF | Add +0.7% | 0.33% | −0.13 |
| SHY iShares 1-3 Year Treasury Bo | Add +22.8% | 2.00% | −0.23 |
| IGIB iShares 5-10Y Inv Grade Corp. | Add +20.1% | 1.96% | −0.26 |
| VOO Vanguard S&P 500 ETF | Add +0.0% | 0.66% | −0.30 |
| TLT iShares 20+ Year Treasury BD | Add +20.3% | 3.94% | −0.41 |
| SPHD Invesco S&P 500 High Dividen | Add +16.9% | 3.06% | −0.43 |
| JEPI JPMorgan Equity Premium Inco | Add +21.5% | 3.44% | −0.51 |
| SHYG iShares 0-5 YR HY Corp. Bond | Add +18.8% | 4.29% | −0.72 |
| IEF iShares 7-10 Year Treasury B | Add +19.6% | 6.79% | −0.83 |
| HEDJ Wisdomtree Europe Hedged Equ | Add +3.2% | 4.28% | −1.01 |
| EEM iShares MSCI Emerging Market | Add +6.8% | 5.50% | −1.32 |
| QQQM Invesco Nasdaq 100 ETF | Add +3.7% | 5.77% | −2.63 |
| VO Vngrd Mrngstr MD-Cap ETF-Usd | Add +5.0% | 7.79% | −2.70 |
| VBR Vngrd Mrngst SL-CP Val ETF-U | Add +5.4% | 7.49% | −2.98 |
| SPSM SS SPDR P S&P 600 Small Cap | Add +5.6% | 7.29% | −3.25 |
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 |