Retirement Financial Solutions, LLC
In its 13F for Q2 2025 (holdings as of June 30, 2025, filed March 10, 2026), Retirement Financial Solutions, LLC reported 38 stock positions worth $284.1 million. Its top holding was Ste STR SPDR PT S&P 500 ETF (SPYM) at 12.8% of the portfolio, followed by Vngrd Mrngstr MD-Cap ETF-Usd (VO, 7.2%) and Vngrd Mrngst SL-CP Val ETF-U (VBR, 6.8%). Compared with Q1 2025, it opened 2 new positions, sold out of 1, added to 14 and reduced 21. The biggest buy was Invesco QQQ Trust Series 1 (QQQ, shares +28%) and the biggest sale Vngrd Mrngst SL-CP Val ETF-U (VBR, shares −5%).
- Most Recent 13F
- Q2 2026
- Location
- KNOXVILLE, TN
- CIK
- 0001962532
- Portfolio Value
- $284.1M (Q2 2025)
- SEC Filing
- 0001962532-26-000003 ↗ filed Mar 10, 2026
Holdings Value
Holdings 38 stocks · $284.1M
| SPYM Ste STR SPDR PT S&P 500 ETF | 12.84% | 501,657 | $36.5M | Add +7.6% |
| VO Vngrd Mrngstr MD-Cap ETF-Usd | 7.18% | 72,922 | $20.4M | Reduce -5.8% |
| VBR Vngrd Mrngst SL-CP Val ETF-U | 6.75% | 98,339 | $19.2M | Reduce -4.8% |
| SPSM SS SPDR P S&P 600 Small Cap | 6.63% | 442,084 | $18.8M | Reduce -3.8% |
| IEF iShares 7-10 Year Treasury B | 6.14% | 181,990 | $17.4M | Reduce -0.5% |
| QQQM Invesco Nasdaq 100 ETF | 5.76% | 72,022 | $16.4M | Reduce -6.1% |
| EEM iShares MSCI Emerging Market | 5.15% | 302,995 | $14.6M | Reduce -6.2% |
| QQQ Invesco QQQ Trust Series 1 | 4.66% | 24,000 | $13.2M | Add +27.6% |
| DIA SS SPDR Dow Jones Indus Avg filed as SPDR DOW JONES INDL AVERAGE | 4.39% | 28,314 | $12.5M | Add +28.0% |
| COWZ Pacer US Cash Cows 100 ETF | 3.96% | 204,148 | $11.2M | Add +30.9% |
| SHYG iShares 0-5 YR HY Corp. Bond | 3.90% | 257,021 | $11.1M | Reduce -0.8% |
| HEDJ Wisdomtree Europe Hedged Equ | 3.66% | 215,763 | $10.4M | Reduce -6.8% |
| TLT iShares 20+ Year Treasury BD | 3.48% | 112,012 | $9.9M | Add +0.7% |
| JEPI JPMorgan Equity Premium Inco | 3.07% | 153,429 | $8.7M | Reduce -0.7% |
| MGC Vngrd Mrngstr MG Cap ETF-Usd | 3.05% | 38,558 | $8.7M | Add +27.3% |
| RSP Invesco S&P 500 Equal Weight | 2.94% | 46,012 | $8.4M | Add +27.8% |
| SPHD Invesco S&P 500 High Dividen | 2.61% | 155,895 | $7.4M | Reduce -0.5% |
| SHY iShares 1-3 Year Treasury Bo | 1.85% | 63,336 | $5.2M | Add +2.0% |
| IGIB iShares 5-10Y Inv Grade Corp. | 1.79% | 95,323 | $5.1M | Reduce -0.3% |
| SPYG SS SPDR P S&P 500 Growth ETF | 1.59% | 47,319 | $4.5M | Add +26.9% |
| EPS Wisdomtree US Large Cap Fund | 1.51% | 66,789 | $4.3M | Add +27.5% |
| RWL Invesco S&P 500 Revenue ETF | 1.50% | 40,721 | $4.2M | Add +26.4% |
| SPYV SS SPDR P S&P 500 Value ETF | 1.45% | 78,958 | $4.1M | Add +27.9% |
| VOO Vanguard S&P 500 ETF | 0.66% | 3,316 | $1.9M | Reduce -0.0% |
| GLD SPDR Gold Shares | 0.44% | 4,103 | $1.3M | Reduce -5.2% |
| VNQ Vanguard Real Estate ETF | 0.41% | 13,011 | $1.2M | Reduce -10.8% |
| UUP Invesco DB US Dollar Index B | 0.39% | 41,400 | $1.1M | Reduce -1.7% |
| VXUS Vanguard Total Intl Stock | 0.38% | 15,744 | $1.1M | Reduce -1.6% |
| VOE Vngrd Mrngstr MD-Cap Val ETF | 0.31% | 5,276 | $868K | No change |
| VONE Vanguard Russell 1000 | 0.24% | 2,466 | $693K | Add +0.3% |
| AMLP Alerian MLP ETF | 0.21% | 12,101 | $591K | Reduce -7.7% |
| SRLN SS Blackstone Sr Loan ETF | 0.20% | 13,730 | $571K | Reduce -7.2% |
| VTI VG Morningstar TS MKT ETF-US | 0.20% | 1,837 | $558K | Reduce -0.2% |
| QYLD Global X Nasd 100 Cov Call | 0.20% | 33,138 | $554K | Reduce -5.6% |
| DBMF Imgp Dbi MFT STR ETF-Usd Inc. | 0.19% | 21,255 | $547K | Reduce -6.3% |
| NVDA Nvidia Corp. | 0.18% | 3,149 | $498K | Add +3.3% |
| TXN Texas Instruments Inc. | 0.07% | 1,015 | $211K | New |
| TSLA Tesla Inc. | 0.07% | 639 | $203K | New |
Portfolio Sells Q1 2025 → Q2 2025
| VBR Vngrd Mrngst SL-CP Val ETF-U | Reduce -4.8% | 6.75% | −0.74 |
| SPSM SS SPDR P S&P 600 Small Cap | Reduce -3.8% | 6.63% | −0.66 |
| IEF iShares 7-10 Year Treasury B | Reduce -0.5% | 6.14% | −0.66 |
| HEDJ Wisdomtree Europe Hedged Equ | Reduce -6.8% | 3.66% | −0.62 |
| VO Vngrd Mrngstr MD-Cap ETF-Usd | Reduce -5.8% | 7.18% | −0.61 |
| SPHD Invesco S&P 500 High Dividen | Reduce -0.5% | 2.61% | −0.45 |
| SHYG iShares 0-5 YR HY Corp. Bond | Reduce -0.8% | 3.90% | −0.38 |
| JEPI JPMorgan Equity Premium Inco | Reduce -0.7% | 3.07% | −0.37 |
| EEM iShares MSCI Emerging Market | Reduce -6.2% | 5.15% | −0.35 |
| IGIB iShares 5-10Y Inv Grade Corp. | Reduce -0.3% | 1.79% | −0.17 |
| VNQ Vanguard Real Estate ETF | Reduce -10.8% | 0.41% | −0.11 |
| IVV iShares Core S&P 500 ETF | Sold out | 0.00% | −0.09 |
| UUP Invesco DB US Dollar Index B | Reduce -1.7% | 0.39% | −0.08 |
| AMLP Alerian MLP ETF | Reduce -7.7% | 0.21% | −0.06 |
| GLD SPDR Gold Shares | Reduce -5.2% | 0.44% | −0.04 |
| SRLN SS Blackstone Sr Loan ETF | Reduce -7.2% | 0.20% | −0.04 |
| QYLD Global X Nasd 100 Cov Call | Reduce -5.6% | 0.20% | −0.03 |
| DBMF Imgp Dbi MFT STR ETF-Usd Inc. | Reduce -6.3% | 0.19% | −0.03 |
| QQQM Invesco Nasdaq 100 ETF | Reduce -6.1% | 5.76% | −0.01 |
| VXUS Vanguard Total Intl Stock | Reduce -1.6% | 0.38% | −0.00 |
| VOO Vanguard S&P 500 ETF | Reduce -0.0% | 0.66% | −0.00 |
| VTI VG Morningstar TS MKT ETF-US | Reduce -0.2% | 0.20% | −0.00 |
Portfolio Buys Q1 2025 → Q2 2025
| QQQ Invesco QQQ Trust Series 1 | Add +27.6% | 4.66% | +1.23 |
| SPYM Ste STR SPDR PT S&P 500 ETF | Add +7.6% | 12.84% | +0.90 |
| DIA SS SPDR Dow Jones Indus Avg | Add +28.0% | 4.39% | +0.78 |
| MGC Vngrd Mrngstr MG Cap ETF-Usd | Add +27.3% | 3.05% | +0.68 |
| COWZ Pacer US Cash Cows 100 ETF | Add +30.9% | 3.96% | +0.64 |
| RSP Invesco S&P 500 Equal Weight | Add +27.8% | 2.94% | +0.52 |
| SPYG SS SPDR P S&P 500 Growth ETF | Add +26.9% | 1.59% | +0.42 |
| EPS Wisdomtree US Large Cap Fund | Add +27.5% | 1.51% | +0.30 |
| RWL Invesco S&P 500 Revenue ETF | Add +26.4% | 1.50% | +0.25 |
| SPYV SS SPDR P S&P 500 Value ETF | Add +27.9% | 1.45% | +0.23 |
| TXN Texas Instruments Inc. | New | 0.07% | +0.07 |
| TSLA Tesla Inc. | New | 0.07% | +0.07 |
| NVDA Nvidia Corp. | Add +3.3% | 0.18% | +0.05 |
| VONE Vanguard Russell 1000 | Add +0.3% | 0.24% | +0.00 |
| SHY iShares 1-3 Year Treasury Bo | Add +2.0% | 1.85% | −0.15 |
| TLT iShares 20+ Year Treasury BD | Add +0.7% | 3.48% | −0.46 |
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 |