Retirement Financial Solutions, LLC
In its 13F for Q4 2025 (holdings as of December 31, 2025, filed February 13, 2026), Retirement Financial Solutions, LLC reported 47 stock positions worth $341.6 million. Its top holding was Avantis U.S. Equity ETF (AVUS) at 10.9% of the portfolio, followed by Avantis US Small Cap Equity (AVSC, 6.4%) and Avantis US Small Cap Value (AVUV, 6.4%). Compared with Q3 2025, it opened 8 new positions, sold out of 6, added to 27 and reduced 11. The biggest buy was a new position in Avantis U.S. Equity ETF (AVUS) and the biggest sale Ste STR SPDR PT S&P 500 ETF (SPYM, shares −47%).
- Most Recent 13F
- Q2 2026
- Location
- KNOXVILLE, TN
- CIK
- 0001962532
- Portfolio Value
- $341.6M (Q4 2025)
- SEC Filing
- 0001962532-26-000001 ↗ filed Feb 13, 2026
Holdings Value
Holdings 47 stocks · $341.6M
| AVUS Avantis U.S. Equity ETF | 10.90% | 333,192 | $37.2M | New |
| AVSC Avantis US Small Cap Equity | 6.36% | 369,883 | $21.7M | Reduce -0.4% |
| AVUV Avantis US Small Cap Value | 6.36% | 213,024 | $21.7M | Add +1.0% |
| SPYM Ste STR SPDR PT S&P 500 ETF | 6.34% | 269,851 | $21.6M | Reduce -47.2% |
| SPMD SS SPDR P S&P 400 Midcap ETF | 6.31% | 371,967 | $21.5M | Reduce -0.1% |
| VGLT Vanguard Long-Term Treasury | 5.15% | 315,441 | $17.6M | Add +35.2% |
| QQQM Invesco Nasdaq 100 ETF | 5.14% | 69,361 | $17.5M | Add +7.1% |
| IEF iShares 7-10 Year Treasury B | 5.08% | 180,524 | $17.4M | Add +15.9% |
| DIA SS SPDR Dow Jones Indus Avg filed as SPDR DOW JONES INDL AVERAGE | 4.98% | 35,418 | $17.0M | Add +8.2% |
| QQQJ Invesco Nasdaq Next Gen 100 | 4.79% | 443,924 | $16.4M | Reduce -0.8% |
| VWO Vanguard Ftse Emerging Marke | 4.61% | 292,875 | $15.7M | Add +0.4% |
| SCHD Schwab US DVD Equity ETF | 3.91% | 487,419 | $13.4M | Add +9.4% |
| MGC Vngrd Mrngstr MG Cap ETF-Usd | 3.39% | 46,081 | $11.6M | Add +5.7% |
| RSP Invesco S&P 500 Equal Weight | 3.26% | 58,219 | $11.2M | Add +9.7% |
| AVEM Avantis Emerging Markets Eq | 3.23% | 143,070 | $11.0M | New |
| RSPA Invesco S&P 500 Ew Income Ad | 2.73% | 183,163 | $9.3M | New |
| SPYG SS SPDR P S&P 500 Growth ETF | 1.71% | 54,761 | $5.8M | Add +6.6% |
| RWL Invesco S&P 500 Revenue ETF | 1.70% | 50,751 | $5.8M | Add +7.2% |
| VGSH Vanguard Short-Term Treasury | 1.70% | 98,877 | $5.8M | Add +20.8% |
| EPS Wisdomtree US Large Cap Fund | 1.69% | 81,652 | $5.8M | Add +7.4% |
| SPYV SS SPDR P S&P 500 Value ETF | 1.67% | 100,524 | $5.7M | Add +8.1% |
| SHYG iShares 0-5 YR HY Corp. Bond | 1.30% | 103,238 | $4.4M | Add +9.4% |
| IGIB iShares 5-10Y Inv Grade Corp. | 1.28% | 81,462 | $4.4M | Add +7.5% |
| EDV Vanguard Extended Dur Treas | 1.27% | 66,966 | $4.4M | Reduce -45.4% |
| VOO Vanguard S&P 500 ETF | 0.61% | 3,343 | $2.1M | Reduce -0.2% |
| VNQ Vanguard Real Estate ETF | 0.44% | 16,940 | $1.5M | Add +31.0% |
| VCIT Vanguard Int-Term Corporate | 0.39% | 16,044 | $1.3M | Add +18.6% |
| IAUM iShares Gold Trust Micro | 0.38% | 30,260 | $1.3M | Reduce -18.9% |
| VXUS Vanguard Total Intl Stock | 0.36% | 16,108 | $1.2M | Add +1.8% |
| BTC Grayscale Bitcoin Mini ETF | 0.32% | 28,417 | $1.1M | New |
| VOE Vngrd Mrngstr MD-Cap Val ETF | 0.28% | 5,358 | $950K | Add +1.0% |
| VONE Vanguard Russell 1000 | 0.22% | 2,480 | $766K | Add +0.3% |
| BPRE Bluerock Private Real Estate | 0.22% | 50,291 | $754K | New |
| ETH Grayscale Ethereum Staking M | 0.22% | 26,729 | $750K | New |
| AMLP Alerian MLP ETF | 0.22% | 15,842 | $745K | Add +29.6% |
| DBMF Imgp Dbi MFT STR ETF-Usd Inc. | 0.21% | 26,136 | $733K | Add +15.8% |
| VTI VG Morningstar TS MKT ETF-US | 0.18% | 1,853 | $621K | Add +0.5% |
| NVDA Nvidia Corp. | 0.17% | 3,157 | $589K | Reduce -4.0% |
| VO Vngrd Mrngstr MD-Cap ETF-Usd | 0.13% | 1,519 | $441K | Add +0.7% |
| SIVR Abrdn Physical Silver Shares | 0.13% | 6,460 | $437K | Reduce -14.3% |
| VBR Vngrd Mrngst SL-CP Val ETF-U | 0.12% | 2,002 | $424K | Add +1.0% |
| QQA Invesco QQQ Income Adv ETF | 0.11% | 7,128 | $378K | New |
| BCI Abrdn Bloomberg All Commodit filed as ABRDN ETFS | 0.10% | 17,363 | $339K | New |
| SPSM SS SPDR P S&P 600 Small Cap | 0.10% | 6,937 | $325K | Add +0.5% |
| TSLA Tesla Inc. | 0.08% | 582 | $262K | No change |
| HEDJ Wisdomtree Europe Hedged Equ | 0.07% | 4,363 | $231K | Reduce -98.0% |
| JEPI JPMorgan Equity Premium Inco | 0.07% | 3,879 | $222K | Reduce -97.6% |
Portfolio Sells Q3 2025 → Q4 2025
| SPYM Ste STR SPDR PT S&P 500 ETF | Reduce -47.2% | 6.34% | −6.19 |
| COWZ Pacer US Cash Cows 100 ETF | Sold out | 0.00% | −4.37 |
| HEDJ Wisdomtree Europe Hedged Equ | Reduce -98.0% | 0.07% | −3.40 |
| JEPI JPMorgan Equity Premium Inco | Reduce -97.6% | 0.07% | −2.84 |
| EDV Vanguard Extended Dur Treas | Reduce -45.4% | 1.27% | −1.35 |
| SPMD SS SPDR P S&P 400 Midcap ETF | Reduce -0.1% | 6.31% | −0.36 |
| AVSC Avantis US Small Cap Equity | Reduce -0.4% | 6.36% | −0.30 |
| IBM Intl Business Machines Corp. | Sold out | 0.00% | −0.25 |
| QQQJ Invesco Nasdaq Next Gen 100 | Reduce -0.8% | 4.79% | −0.23 |
| QYLD Global X Nasd 100 Cov Call | Sold out | 0.00% | −0.19 |
| IBIT iShares Bitcoin Trust ETF | Sold out | 0.00% | −0.11 |
| ETHA iShares Ethereum Trust ETF | Sold out | 0.00% | −0.07 |
| MSFT Microsoft Corp. | Sold out | 0.00% | −0.07 |
| IAUM iShares Gold Trust Micro | Reduce -18.9% | 0.38% | −0.07 |
| VOO Vanguard S&P 500 ETF | Reduce -0.2% | 0.61% | −0.03 |
| NVDA Nvidia Corp. | Reduce -4.0% | 0.17% | −0.02 |
| SIVR Abrdn Physical Silver Shares | Reduce -14.3% | 0.13% | +0.02 |
Portfolio Buys Q3 2025 → Q4 2025
| AVUS Avantis U.S. Equity ETF | New | 10.90% | +10.90 |
| AVEM Avantis Emerging Markets Eq | New | 3.23% | +3.23 |
| RSPA Invesco S&P 500 Ew Income Ad | New | 2.73% | +2.73 |
| VGLT Vanguard Long-Term Treasury | Add +35.2% | 5.15% | +1.00 |
| IEF iShares 7-10 Year Treasury B | Add +15.9% | 5.08% | +0.38 |
| BTC Grayscale Bitcoin Mini ETF | New | 0.32% | +0.32 |
| DIA SS SPDR Dow Jones Indus Avg | Add +8.2% | 4.98% | +0.23 |
| BPRE Bluerock Private Real Estate | New | 0.22% | +0.22 |
| ETH Grayscale Ethereum Staking M | New | 0.22% | +0.22 |
| VGSH Vanguard Short-Term Treasury | Add +20.8% | 1.70% | +0.19 |
| QQQM Invesco Nasdaq 100 ETF | Add +7.1% | 5.14% | +0.12 |
| RSP Invesco S&P 500 Equal Weight | Add +9.7% | 3.26% | +0.11 |
| QQA Invesco QQQ Income Adv ETF | New | 0.11% | +0.11 |
| SCHD Schwab US DVD Equity ETF | Add +9.4% | 3.91% | +0.11 |
| BCI Abrdn Bloomberg All Commodit | New | 0.10% | +0.10 |
| VNQ Vanguard Real Estate ETF | Add +31.0% | 0.44% | +0.07 |
| SPYV SS SPDR P S&P 500 Value ETF | Add +8.1% | 1.67% | +0.06 |
| RWL Invesco S&P 500 Revenue ETF | Add +7.2% | 1.70% | +0.06 |
| MGC Vngrd Mrngstr MG Cap ETF-Usd | Add +5.7% | 3.39% | +0.06 |
| EPS Wisdomtree US Large Cap Fund | Add +7.4% | 1.69% | +0.05 |
| AMLP Alerian MLP ETF | Add +29.6% | 0.22% | +0.04 |
| VCIT Vanguard Int-Term Corporate | Add +18.6% | 0.39% | +0.04 |
| SPYG SS SPDR P S&P 500 Growth ETF | Add +6.6% | 1.71% | +0.03 |
| DBMF Imgp Dbi MFT STR ETF-Usd Inc. | Add +15.8% | 0.21% | +0.02 |
| SHYG iShares 0-5 YR HY Corp. Bond | Add +9.4% | 1.30% | +0.02 |
| IGIB iShares 5-10Y Inv Grade Corp. | Add +7.5% | 1.28% | +0.00 |
| SPSM SS SPDR P S&P 600 Small Cap | Add +0.5% | 0.10% | −0.00 |
| VBR Vngrd Mrngst SL-CP Val ETF-U | Add +1.0% | 0.12% | −0.01 |
| VTI VG Morningstar TS MKT ETF-US | Add +0.5% | 0.18% | −0.01 |
| VXUS Vanguard Total Intl Stock | Add +1.8% | 0.36% | −0.01 |
| VO Vngrd Mrngstr MD-Cap ETF-Usd | Add +0.7% | 0.13% | −0.01 |
| VONE Vanguard Russell 1000 | Add +0.3% | 0.22% | −0.01 |
| VOE Vngrd Mrngstr MD-Cap Val ETF | Add +1.0% | 0.28% | −0.01 |
| AVUV Avantis US Small Cap Value | Add +1.0% | 6.36% | −0.21 |
| VWO Vanguard Ftse Emerging Marke | Add +0.4% | 4.61% | −0.34 |
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 |