Retirement Financial Solutions, LLC
In its 13F for Q3 2025 (holdings as of September 30, 2025, filed March 10, 2026), Retirement Financial Solutions, LLC reported 45 stock positions worth $319.5 million. Its top holding was Ste STR SPDR PT S&P 500 ETF (SPYM) at 12.5% of the portfolio, followed by SS SPDR P S&P 400 Midcap ETF (SPMD, 6.7%) and Avantis US Small Cap Equity (AVSC, 6.7%). Compared with Q2 2025, it opened 16 new positions, sold out of 9, added to 20 and reduced 9. The biggest buy was a new position in SS SPDR P S&P 400 Midcap ETF (SPMD) and the biggest sale Vngrd Mrngstr MD-Cap ETF-Usd (VO, shares −98%).
- Most Recent 13F
- Q2 2026
- Location
- KNOXVILLE, TN
- CIK
- 0001962532
- Portfolio Value
- $319.5M (Q3 2025)
- SEC Filing
- 0001962532-26-000004 ↗ filed Mar 10, 2026
Holdings Value
Holdings 45 stocks · $319.5M
| SPYM Ste STR SPDR PT S&P 500 ETF | 12.53% | 510,926 | $40.0M | Add +1.9% |
| SPMD SS SPDR P S&P 400 Midcap ETF | 6.66% | 372,319 | $21.3M | New |
| AVSC Avantis US Small Cap Equity | 6.66% | 371,434 | $21.3M | New |
| AVUV Avantis US Small Cap Value | 6.57% | 210,977 | $21.0M | New |
| QQQJ Invesco Nasdaq Next Gen 100 | 5.02% | 447,691 | $16.0M | New |
| QQQM Invesco Nasdaq 100 ETF | 5.01% | 64,790 | $16.0M | Reduce -10.0% |
| VWO Vanguard Ftse Emerging Marke | 4.95% | 291,772 | $15.8M | New |
| DIA SS SPDR Dow Jones Indus Avg filed as SPDR DOW JONES INDL AVERAGE | 4.75% | 32,734 | $15.2M | Add +15.6% |
| IEF iShares 7-10 Year Treasury B | 4.70% | 155,735 | $15.0M | Reduce -14.4% |
| COWZ Pacer US Cash Cows 100 ETF | 4.37% | 242,741 | $14.0M | Add +18.9% |
| VGLT Vanguard Long-Term Treasury | 4.15% | 233,325 | $13.3M | New |
| SCHD Schwab US DVD Equity ETF | 3.81% | 445,583 | $12.2M | New |
| HEDJ Wisdomtree Europe Hedged Equ | 3.47% | 219,907 | $11.1M | Add +1.9% |
| MGC Vngrd Mrngstr MG Cap ETF-Usd | 3.33% | 43,616 | $10.6M | Add +13.1% |
| RSP Invesco S&P 500 Equal Weight | 3.15% | 53,055 | $10.1M | Add +15.3% |
| JEPI JPMorgan Equity Premium Inco | 2.90% | 162,276 | $9.3M | Add +5.8% |
| EDV Vanguard Extended Dur Treas | 2.63% | 122,554 | $8.4M | New |
| SPYG SS SPDR P S&P 500 Growth ETF | 1.68% | 51,368 | $5.4M | Add +8.6% |
| EPS Wisdomtree US Large Cap Fund | 1.64% | 76,054 | $5.2M | Add +13.9% |
| RWL Invesco S&P 500 Revenue ETF | 1.64% | 47,335 | $5.2M | Add +16.2% |
| SPYV SS SPDR P S&P 500 Value ETF | 1.61% | 92,972 | $5.1M | Add +17.8% |
| VGSH Vanguard Short-Term Treasury | 1.51% | 81,878 | $4.8M | New |
| IGIB iShares 5-10Y Inv Grade Corp. | 1.28% | 75,763 | $4.1M | Reduce -20.5% |
| SHYG iShares 0-5 YR HY Corp. Bond | 1.28% | 94,392 | $4.1M | Reduce -63.3% |
| VOO Vanguard S&P 500 ETF | 0.64% | 3,350 | $2.1M | Add +1.0% |
| IAUM iShares Gold Trust Micro | 0.45% | 37,328 | $1.4M | New |
| VNQ Vanguard Real Estate ETF | 0.37% | 12,933 | $1.2M | Reduce -0.6% |
| VXUS Vanguard Total Intl Stock | 0.36% | 15,821 | $1.2M | Add +0.5% |
| VCIT Vanguard Int-Term Corporate | 0.36% | 13,534 | $1.1M | New |
| VOE Vngrd Mrngstr MD-Cap Val ETF | 0.29% | 5,303 | $926K | Add +0.5% |
| IBM Intl Business Machines Corp. filed as INTERNATIONAL BUSINESS MACHS | 0.25% | 2,827 | $798K | New |
| VONE Vanguard Russell 1000 | 0.23% | 2,473 | $748K | Add +0.3% |
| DBMF Imgp Dbi MFT STR ETF-Usd Inc. | 0.19% | 22,562 | $616K | Add +6.2% |
| NVDA Nvidia Corp. | 0.19% | 3,287 | $613K | Add +4.4% |
| QYLD Global X Nasd 100 Cov Call | 0.19% | 35,619 | $606K | Add +7.5% |
| VTI VG Morningstar TS MKT ETF-US | 0.19% | 1,843 | $605K | Add +0.3% |
| AMLP Alerian MLP ETF | 0.18% | 12,219 | $573K | Add +1.0% |
| VO Vngrd Mrngstr MD-Cap ETF-Usd | 0.14% | 1,508 | $443K | Reduce -97.9% |
| VBR Vngrd Mrngst SL-CP Val ETF-U | 0.13% | 1,983 | $414K | Reduce -98.0% |
| IBIT iShares Bitcoin Trust ETF | 0.11% | 5,478 | $356K | New |
| SIVR Abrdn Physical Silver Shares | 0.10% | 7,542 | $335K | New |
| SPSM SS SPDR P S&P 600 Small Cap | 0.10% | 6,903 | $320K | Reduce -98.4% |
| TSLA Tesla Inc. | 0.08% | 582 | $259K | Reduce -8.9% |
| ETHA iShares Ethereum Trust ETF | 0.07% | 7,198 | $227K | New |
| MSFT Microsoft Corp. | 0.07% | 437 | $226K | New |
Portfolio Sells Q2 2025 → Q3 2025
| VO Vngrd Mrngstr MD-Cap ETF-Usd | Reduce -97.9% | 0.14% | −7.05 |
| VBR Vngrd Mrngst SL-CP Val ETF-U | Reduce -98.0% | 0.13% | −6.62 |
| SPSM SS SPDR P S&P 600 Small Cap | Reduce -98.4% | 0.10% | −6.53 |
| EEM iShares MSCI Emerging Market | Sold out | 0.00% | −5.15 |
| QQQ Invesco QQQ Trust Series 1 | Sold out | 0.00% | −4.66 |
| TLT iShares 20+ Year Treasury BD | Sold out | 0.00% | −3.48 |
| SHYG iShares 0-5 YR HY Corp. Bond | Reduce -63.3% | 1.28% | −2.62 |
| SPHD Invesco S&P 500 High Dividen | Sold out | 0.00% | −2.61 |
| SHY iShares 1-3 Year Treasury Bo | Sold out | 0.00% | −1.85 |
| IEF iShares 7-10 Year Treasury B | Reduce -14.4% | 4.70% | −1.43 |
| QQQM Invesco Nasdaq 100 ETF | Reduce -10.0% | 5.01% | −0.75 |
| IGIB iShares 5-10Y Inv Grade Corp. | Reduce -20.5% | 1.28% | −0.51 |
| GLD SPDR Gold Shares | Sold out | 0.00% | −0.44 |
| UUP Invesco DB US Dollar Index B | Sold out | 0.00% | −0.39 |
| SRLN SS Blackstone Sr Loan ETF | Sold out | 0.00% | −0.20 |
| TXN Texas Instruments Inc. | Sold out | 0.00% | −0.07 |
| VNQ Vanguard Real Estate ETF | Reduce -0.6% | 0.37% | −0.04 |
| TSLA Tesla Inc. | Reduce -8.9% | 0.08% | +0.01 |
Portfolio Buys Q2 2025 → Q3 2025
| SPMD SS SPDR P S&P 400 Midcap ETF | New | 6.66% | +6.66 |
| AVSC Avantis US Small Cap Equity | New | 6.66% | +6.66 |
| AVUV Avantis US Small Cap Value | New | 6.57% | +6.57 |
| QQQJ Invesco Nasdaq Next Gen 100 | New | 5.02% | +5.02 |
| VWO Vanguard Ftse Emerging Marke | New | 4.95% | +4.95 |
| VGLT Vanguard Long-Term Treasury | New | 4.15% | +4.15 |
| SCHD Schwab US DVD Equity ETF | New | 3.81% | +3.81 |
| EDV Vanguard Extended Dur Treas | New | 2.63% | +2.63 |
| VGSH Vanguard Short-Term Treasury | New | 1.51% | +1.51 |
| IAUM iShares Gold Trust Micro | New | 0.45% | +0.45 |
| COWZ Pacer US Cash Cows 100 ETF | Add +18.9% | 4.37% | +0.41 |
| DIA SS SPDR Dow Jones Indus Avg | Add +15.6% | 4.75% | +0.36 |
| VCIT Vanguard Int-Term Corporate | New | 0.36% | +0.36 |
| MGC Vngrd Mrngstr MG Cap ETF-Usd | Add +13.1% | 3.33% | +0.28 |
| IBM Intl Business Machines Corp. | New | 0.25% | +0.25 |
| RSP Invesco S&P 500 Equal Weight | Add +15.3% | 3.15% | +0.21 |
| SPYV SS SPDR P S&P 500 Value ETF | Add +17.8% | 1.61% | +0.16 |
| RWL Invesco S&P 500 Revenue ETF | Add +16.2% | 1.64% | +0.14 |
| EPS Wisdomtree US Large Cap Fund | Add +13.9% | 1.64% | +0.14 |
| IBIT iShares Bitcoin Trust ETF | New | 0.11% | +0.11 |
| SIVR Abrdn Physical Silver Shares | New | 0.10% | +0.10 |
| SPYG SS SPDR P S&P 500 Growth ETF | Add +8.6% | 1.68% | +0.09 |
| ETHA iShares Ethereum Trust ETF | New | 0.07% | +0.07 |
| MSFT Microsoft Corp. | New | 0.07% | +0.07 |
| NVDA Nvidia Corp. | Add +4.4% | 0.19% | +0.02 |
| DBMF Imgp Dbi MFT STR ETF-Usd Inc. | Add +6.2% | 0.19% | +0.00 |
| QYLD Global X Nasd 100 Cov Call | Add +7.5% | 0.19% | −0.01 |
| VTI VG Morningstar TS MKT ETF-US | Add +0.3% | 0.19% | −0.01 |
| VONE Vanguard Russell 1000 | Add +0.3% | 0.23% | −0.01 |
| VOE Vngrd Mrngstr MD-Cap Val ETF | Add +0.5% | 0.29% | −0.02 |
| VXUS Vanguard Total Intl Stock | Add +0.5% | 0.36% | −0.02 |
| VOO Vanguard S&P 500 ETF | Add +1.0% | 0.64% | −0.02 |
| AMLP Alerian MLP ETF | Add +1.0% | 0.18% | −0.03 |
| JEPI JPMorgan Equity Premium Inco | Add +5.8% | 2.90% | −0.17 |
| HEDJ Wisdomtree Europe Hedged Equ | Add +1.9% | 3.47% | −0.19 |
| SPYM Ste STR SPDR PT S&P 500 ETF | Add +1.9% | 12.53% | −0.31 |
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 |