Retirement Financial Solutions, LLC
In its 13F for Q1 2026 (holdings as of March 31, 2026, filed April 28, 2026), Retirement Financial Solutions, LLC reported 53 stock positions worth $349.8 million. Its top holding was Avantis U.S. Equity ETF (AVUS) at 10.7% of the portfolio, followed by Avantis US Small Cap Value (AVUV, 6.8%) and Avantis US Small Cap Equity (AVSC, 6.7%). Compared with Q4 2025, it opened 9 new positions, sold out of 3, added to 27 and reduced 15. The biggest buy was a new position in Vaneck Agribusiness ETF (MOO) and the biggest sale Invesco Nasdaq 100 ETF (QQQM, shares −62%).
- Most Recent 13F
- Q2 2026
- Location
- KNOXVILLE, TN
- CIK
- 0001962532
- Portfolio Value
- $349.8M (Q1 2026)
- SEC Filing
- 0001962532-26-000005 ↗ filed Apr 28, 2026
Holdings Value
Holdings 53 stocks · $349.8M
| AVUS Avantis U.S. Equity ETF | 10.68% | 335,974 | $37.4M | Add +0.8% |
| AVUV Avantis US Small Cap Value | 6.78% | 214,582 | $23.7M | Add +0.7% |
| AVSC Avantis US Small Cap Equity | 6.71% | 376,850 | $23.5M | Add +1.9% |
| SPYM Ste STR SPDR PT S&P 500 ETF | 6.02% | 275,306 | $21.1M | Add +2.0% |
| VGLT Vanguard Long-Term Treasury | 5.04% | 318,408 | $17.6M | Add +0.9% |
| QQQJ Invesco Nasdaq Next Gen 100 | 4.72% | 455,769 | $16.5M | Add +2.7% |
| VWO Vanguard Ftse Emerging Marke | 4.64% | 300,115 | $16.2M | Add +2.5% |
| SCHD Schwab US DVD Equity ETF | 4.13% | 470,475 | $14.4M | Reduce -3.5% |
| IEF iShares 7-10 Year Treasury B | 3.41% | 125,131 | $11.9M | Reduce -30.7% |
| AVEM Avantis Emerging Markets Eq | 3.33% | 144,582 | $11.7M | Add +1.1% |
| MOO Vaneck Agribusiness ETF | 3.32% | 137,429 | $11.6M | New |
| SPMD SS SPDR P S&P 400 Midcap ETF | 3.27% | 192,961 | $11.4M | Reduce -48.1% |
| RSP Invesco S&P 500 Equal Weight | 3.23% | 58,895 | $11.3M | Add +1.2% |
| GRNY Fundstr Gran SH US LRG Cap | 3.22% | 472,278 | $11.3M | New |
| DIA SS SPDR Dow Jones Indus Avg filed as STATE STR SPDR DOW JONES IND | 3.19% | 24,106 | $11.2M | Reduce -31.9% |
| MGC Vngrd Mrngstr MG Cap ETF-Usd | 3.19% | 47,241 | $11.2M | Add +2.5% |
| BCI Abrdn Bloomberg All Commodit filed as ABRDN ETFS | 3.12% | 448,803 | $10.9M | Add +2484.8% |
| VEU Vanguard Ftse All-World Ex-U | 3.08% | 143,460 | $10.8M | New |
| RSPA Invesco S&P 500 Ew Income Ad | 2.67% | 186,750 | $9.3M | Add +2.0% |
| QQQM Invesco Nasdaq 100 ETF | 1.79% | 26,332 | $6.3M | Reduce -62.0% |
| SCHP Schwab U.S. Tips ETF | 1.71% | 225,230 | $6.0M | New |
| RWL Invesco S&P 500 Revenue ETF | 1.67% | 50,787 | $5.8M | Add +0.1% |
| SPYV SS SPDR P S&P 500 Value ETF | 1.66% | 102,557 | $5.8M | Add +2.0% |
| SPYG SS SPDR P S&P 500 Growth ETF | 1.61% | 57,396 | $5.6M | Add +4.8% |
| VGSH Vanguard Short-Term Treasury | 1.53% | 91,246 | $5.3M | Reduce -7.7% |
| EDV Vanguard Extended Dur Treas | 1.26% | 67,942 | $4.4M | Add +1.5% |
| VOO Vanguard S&P 500 ETF | 0.55% | 3,198 | $1.9M | Reduce -4.3% |
| VNQ Vanguard Real Estate ETF | 0.42% | 16,551 | $1.5M | Reduce -2.3% |
| IAUM iShares Gold Trust Micro | 0.37% | 27,750 | $1.3M | Reduce -8.3% |
| VXUS Vanguard Total Intl Stock | 0.36% | 16,125 | $1.2M | Add +0.1% |
| BTC Grayscale Bitcoin Mini ETF | 0.31% | 35,656 | $1.1M | Add +25.5% |
| VOE Vngrd Mrngstr MD-Cap Val ETF | 0.28% | 5,387 | $993K | Add +0.5% |
| BPRE Bluerock Private Real Estate | 0.24% | 49,514 | $822K | Reduce -1.6% |
| VCIT Vanguard Int-Term Corporate | 0.22% | 9,423 | $780K | Reduce -41.3% |
| DBMF Imgp Dbi MFT STR ETF-Usd Inc. | 0.22% | 25,128 | $758K | Reduce -3.9% |
| AMLP Alerian MLP ETF | 0.21% | 14,088 | $742K | Reduce -11.1% |
| VONE Vanguard Russell 1000 | 0.21% | 2,487 | $734K | Add +0.3% |
| ETH Grayscale Ethereum Staking M | 0.21% | 36,944 | $734K | Add +38.2% |
| VTI VG Morningstar TS MKT ETF-US | 0.17% | 1,859 | $596K | Add +0.3% |
| NVDA Nvidia Corp. | 0.16% | 3,278 | $572K | Add +3.8% |
| VO Vngrd Mrngstr MD-Cap ETF-Usd | 0.13% | 1,583 | $454K | Add +4.2% |
| VBR Vngrd Mrngst SL-CP Val ETF-U | 0.13% | 2,013 | $437K | Add +0.6% |
| SIVR Abrdn Physical Silver Shares | 0.11% | 5,503 | $394K | Reduce -14.8% |
| QQA Invesco QQQ Income Adv ETF | 0.10% | 7,277 | $363K | Add +2.1% |
| SPSM SS SPDR P S&P 600 Small Cap | 0.10% | 6,960 | $336K | Add +0.3% |
| XOM Exxon Mobil Corp. | 0.09% | 1,850 | $314K | New |
| IBM Intl Business Machines Corp. filed as INTERNATIONAL BUSINESS MACHS | 0.09% | 1,232 | $299K | New |
| HEDJ Wisdomtree Europe Hedged Equ | 0.07% | 4,363 | $228K | No change |
| BP BP PLC-Spons ADR | 0.06% | 4,678 | $220K | New |
| TSLA Tesla Inc. | 0.06% | 582 | $216K | No change |
| JEPI JPMorgan Equity Premium Inco | 0.06% | 3,779 | $214K | Reduce -2.6% |
| TXN Texas Instruments Inc. | 0.06% | 1,038 | $202K | New |
| BOXX Alpha Architect 1-3 MNTH Box | 0.06% | 1,723 | $200K | New |
Portfolio Sells Q4 2025 → Q1 2026
| QQQM Invesco Nasdaq 100 ETF | Reduce -62.0% | 1.79% | −3.35 |
| SPMD SS SPDR P S&P 400 Midcap ETF | Reduce -48.1% | 3.27% | −3.04 |
| DIA SS SPDR Dow Jones Indus Avg | Reduce -31.9% | 3.19% | −1.79 |
| EPS Wisdomtree US Large Cap Fund | Sold out | 0.00% | −1.69 |
| IEF iShares 7-10 Year Treasury B | Reduce -30.7% | 3.41% | −1.67 |
| SHYG iShares 0-5 YR HY Corp. Bond | Sold out | 0.00% | −1.30 |
| IGIB iShares 5-10Y Inv Grade Corp. | Sold out | 0.00% | −1.28 |
| VGSH Vanguard Short-Term Treasury | Reduce -7.7% | 1.53% | −0.17 |
| VCIT Vanguard Int-Term Corporate | Reduce -41.3% | 0.22% | −0.17 |
| VOO Vanguard S&P 500 ETF | Reduce -4.3% | 0.55% | −0.07 |
| VNQ Vanguard Real Estate ETF | Reduce -2.3% | 0.42% | −0.02 |
| SIVR Abrdn Physical Silver Shares | Reduce -14.8% | 0.11% | −0.02 |
| IAUM iShares Gold Trust Micro | Reduce -8.3% | 0.37% | −0.01 |
| AMLP Alerian MLP ETF | Reduce -11.1% | 0.21% | −0.01 |
| JEPI JPMorgan Equity Premium Inco | Reduce -2.6% | 0.06% | −0.00 |
| DBMF Imgp Dbi MFT STR ETF-Usd Inc. | Reduce -3.9% | 0.22% | +0.00 |
| BPRE Bluerock Private Real Estate | Reduce -1.6% | 0.24% | +0.01 |
| SCHD Schwab US DVD Equity ETF | Reduce -3.5% | 4.13% | +0.21 |
Portfolio Buys Q4 2025 → Q1 2026
| MOO Vaneck Agribusiness ETF | New | 3.32% | +3.32 |
| GRNY Fundstr Gran SH US LRG Cap | New | 3.22% | +3.22 |
| VEU Vanguard Ftse All-World Ex-U | New | 3.08% | +3.08 |
| BCI Abrdn Bloomberg All Commodit | Add +2484.8% | 3.12% | +3.02 |
| SCHP Schwab U.S. Tips ETF | New | 1.71% | +1.71 |
| AVUV Avantis US Small Cap Value | Add +0.7% | 6.78% | +0.42 |
| AVSC Avantis US Small Cap Equity | Add +1.9% | 6.71% | +0.35 |
| AVEM Avantis Emerging Markets Eq | Add +1.1% | 3.33% | +0.10 |
| XOM Exxon Mobil Corp. | New | 0.09% | +0.09 |
| IBM Intl Business Machines Corp. | New | 0.09% | +0.09 |
| BP BP PLC-Spons ADR | New | 0.06% | +0.06 |
| TXN Texas Instruments Inc. | New | 0.06% | +0.06 |
| BOXX Alpha Architect 1-3 MNTH Box | New | 0.06% | +0.06 |
| VWO Vanguard Ftse Emerging Marke | Add +2.5% | 4.64% | +0.03 |
| VOE Vngrd Mrngstr MD-Cap Val ETF | Add +0.5% | 0.28% | +0.01 |
| SPSM SS SPDR P S&P 600 Small Cap | Add +0.3% | 0.10% | +0.00 |
| VBR Vngrd Mrngst SL-CP Val ETF-U | Add +0.6% | 0.13% | +0.00 |
| VO Vngrd Mrngstr MD-Cap ETF-Usd | Add +4.2% | 0.13% | +0.00 |
| VXUS Vanguard Total Intl Stock | Add +0.1% | 0.36% | −0.00 |
| QQA Invesco QQQ Income Adv ETF | Add +2.1% | 0.10% | −0.01 |
| NVDA Nvidia Corp. | Add +3.8% | 0.16% | −0.01 |
| ETH Grayscale Ethereum Staking M | Add +38.2% | 0.21% | −0.01 |
| VTI VG Morningstar TS MKT ETF-US | Add +0.3% | 0.17% | −0.01 |
| SPYV SS SPDR P S&P 500 Value ETF | Add +2.0% | 1.66% | −0.01 |
| EDV Vanguard Extended Dur Treas | Add +1.5% | 1.26% | −0.01 |
| VONE Vanguard Russell 1000 | Add +0.3% | 0.21% | −0.01 |
| BTC Grayscale Bitcoin Mini ETF | Add +25.5% | 0.31% | −0.02 |
| RWL Invesco S&P 500 Revenue ETF | Add +0.1% | 1.67% | −0.03 |
| RSP Invesco S&P 500 Equal Weight | Add +1.2% | 3.23% | −0.03 |
| RSPA Invesco S&P 500 Ew Income Ad | Add +2.0% | 2.67% | −0.06 |
| QQQJ Invesco Nasdaq Next Gen 100 | Add +2.7% | 4.72% | −0.07 |
| SPYG SS SPDR P S&P 500 Growth ETF | Add +4.8% | 1.61% | −0.10 |
| VGLT Vanguard Long-Term Treasury | Add +0.9% | 5.04% | −0.11 |
| MGC Vngrd Mrngstr MG Cap ETF-Usd | Add +2.5% | 3.19% | −0.20 |
| AVUS Avantis U.S. Equity ETF | Add +0.8% | 10.68% | −0.22 |
| SPYM Ste STR SPDR PT S&P 500 ETF | Add +2.0% | 6.02% | −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 |