Richardson Financial Services Inc.
In its 13F for Q3 2025 (holdings as of September 30, 2025, filed October 28, 2025), Richardson Financial Services Inc. reported 513 stock positions worth $161.3 million. Its top holding was Ste STR SPDR PT S&P 500 ETF (SPYM) at 5.1% of the portfolio, followed by Apple (AAPL, 4.3%) and Vanguard Mrngstar GR ETF-Sui (VUG, 4.2%). Compared with Q2 2025, it opened 47 new positions, sold out of 143, added to 260 and reduced 136. The biggest buy was Apple (AAPL, shares +5%) and the biggest sale SS SPDR P Agg Bond ETF (SPAB, shares −73%).
- Most Recent 13F
- Q2 2026
- Location
- MEDWAY, MA
- CIK
- 0002012303
- Portfolio Value
- $161.3M (Q3 2025)
- SEC Filing
- 0002012303-25-000009 ↗ filed Oct 28, 2025
Holdings Value
Holdings 513 stocks · $161.3M
| SPYM Ste STR SPDR PT S&P 500 ETF | 5.08% | 104,516 | $8.2M | Add +12.2% |
| AAPL Apple Inc. | 4.32% | 27,373 | $7.0M | Add +5.3% |
| VUG Vanguard Mrngstar GR ETF-Sui | 4.24% | 14,249 | $6.8M | Reduce -1.6% |
| VTV Vanguard Mrngstr Val ETF-Aui | 4.00% | 34,642 | $6.5M | Reduce -0.7% |
| NVDA Nvidia Corp. | 2.83% | 24,486 | $4.6M | Add +1.7% |
| SPDW Ste STR SPDR PT DW Eu ETF | 2.10% | 79,180 | $3.4M | Add +19.3% |
| MSFT Microsoft Corp. | 2.08% | 6,479 | $3.4M | Add +5.1% |
| VOO Vanguard S&P 500 ETF | 2.05% | 5,412 | $3.3M | Add +0.1% |
| SPEM State Street SP PTF Em ETF | 1.87% | 64,477 | $3.0M | Add +7.2% |
| HYG Ishr Ibx Usd Hiyld CB ETF-Ui | 1.86% | 37,047 | $3.0M | Add +26.0% |
| IEUR iShares Core MSCI Europe ETF | 1.69% | 39,942 | $2.7M | Add +0.4% |
| VEA Vanguard Ftse Developed ETF | 1.67% | 44,936 | $2.7M | Reduce -0.5% |
| GOOGL Alphabet Inc. Class A | 1.63% | 10,792 | $2.6M | Add +6.1% |
| IEMG iShares Core MSCI Emerging | 1.60% | 39,119 | $2.6M | Reduce -0.3% |
| AMZN Amazon.com Inc. | 1.25% | 9,150 | $2.0M | Add +5.2% |
| VBK Van Morst SML-Cap Gro-Usd Inc. | 1.24% | 6,744 | $2.0M | Reduce -1.2% |
| SPSM SS SPDR P S&P 600 Small Cap | 1.15% | 40,174 | $1.9M | Add +48.2% |
| JPM JPMorgan Chase & Co. | 1.02% | 5,230 | $1.6M | Add +3.4% |
| VBR Vngrd Mrngst SL-CP Val ETF-U | 0.96% | 7,442 | $1.6M | Reduce -0.9% |
| SPY SS SPDR S&P 500 ETF Trust-US | 0.90% | 2,213 | $1.5M | Add +3.5% |
| SHYG iShares 0-5 YR HY Corp. Bond | 0.90% | 33,593 | $1.5M | Add +2.2% |
| IPAC iShares Core MSCI Pacific Et | 0.89% | 19,550 | $1.4M | Reduce -0.1% |
| MA Mastercard Inc. Class A | 0.85% | 2,404 | $1.4M | Add +0.4% |
| V Visa Inc. Class A | 0.83% | 3,937 | $1.3M | Reduce -8.6% |
| IVV iShares Core S&P 500 ETF | 0.79% | 2,715 | $1.3M | Add +546.4% |
| VB Vanguard Most SM-Cap ETF-Usd | 0.78% | 4,922 | $1.3M | Reduce -0.9% |
| HD Home Depot Inc. | 0.75% | 2,991 | $1.2M | Add +4.0% |
| TSLA Tesla Inc. | 0.74% | 2,667 | $1.2M | Add +3.1% |
| TMUS T-Mobile US Inc. | 0.72% | 4,869 | $1.2M | Reduce -0.6% |
| META Meta Platforms Inc. Class A | 0.71% | 1,569 | $1.2M | Add +37.1% |
| JNK SS SPDR BB High Yield Bond | 0.68% | 11,180 | $1.1M | Add +61.1% |
| SPMD SS SPDR P S&P 400 Midcap ETF | 0.68% | 19,087 | $1.1M | Reduce -2.5% |
| VTEB Vanguard Tax-Exempt Bond ETF | 0.65% | 20,793 | $1.0M | No change |
| MGK Vngrd Mrgstr MG CP GR ETF-Ui | 0.64% | 2,575 | $1.0M | Add +11.6% |
| CTAS Cintas Corp. | 0.64% | 5,004 | $1.0M | Add +1.3% |
| MCD McDonald's Corp. | 0.63% | 3,328 | $1.0M | Add +3.4% |
| VWO Vanguard Ftse Emerging Marke | 0.62% | 18,337 | $993K | Reduce -0.6% |
| XLC SS Comm Select Sector SPDR | 0.62% | 8,386 | $993K | Reduce -5.9% |
| XLV SS Health Care Select Sector | 0.61% | 7,073 | $984K | Add +2.1% |
| AVGO Broadcom Inc. | 0.61% | 2,976 | $982K | Add +8.4% |
| COST Costco Wholesale Corp. | 0.61% | 1,059 | $980K | Add +0.4% |
| IUSB Ishr CR Unvrse Usd BD ETF-Ui | 0.59% | 20,436 | $955K | Add +6.0% |
| XLP SS Consumer Staples Sel Sect | 0.58% | 11,905 | $933K | Add +6.7% |
| SRLN SS Blackstone Sr Loan ETF | 0.57% | 21,998 | $915K | Add +1.0% |
| BBUS JPMorgan Betabuilders US Equ | 0.56% | 7,502 | $905K | Add +18.0% |
| TT Trane Technologies PLC | 0.54% | 2,048 | $864K | Reduce -4.7% |
| CERY SS SPDR BBG En RY CM St N-Ui | 0.53% | 29,620 | $849K | Add +33.4% |
| WMT Walmart Inc. | 0.53% | 8,227 | $848K | Add +3.7% |
| VNQ Vanguard Real Estate ETF | 0.49% | 8,689 | $794K | Add +1.2% |
| EMB iShares JP Morgan Usd Emergi | 0.49% | 8,300 | $790K | Add +0.5% |
| GWX State Street SPDR S&P Intern | 0.49% | 19,504 | $784K | Reduce -5.7% |
| PH Parker Hannifin Corp. | 0.46% | 982 | $745K | Reduce -1.0% |
| SNPS Synopsys Inc. | 0.45% | 1,476 | $728K | Reduce -2.0% |
| TJX TJX Companies Inc. filed as TJX COS INC NEW | 0.45% | 4,975 | $719K | Reduce -3.5% |
| TMO Thermo Fisher Scientific Inc. | 0.45% | 1,481 | $718K | Add +2.2% |
| VTI VG Morningstar TS MKT ETF-US | 0.44% | 2,158 | $708K | No change |
| ISRG Intuitive Surgical Inc. | 0.42% | 1,516 | $678K | Reduce -0.7% |
| HYS PIMCO 0-5 Year H/Y Corp. Bond | 0.41% | 6,853 | $656K | Add +1.4% |
| NEE Nextera Energy Inc. | 0.40% | 8,466 | $639K | Reduce -1.6% |
| AMD Advanced Micro Devices | 0.39% | 3,935 | $637K | Add +0.5% |
| LIN Linde PLC | 0.39% | 1,337 | $635K | Add +4.0% |
| BND Vanguard Total Bond Market | 0.39% | 8,514 | $633K | Add +0.4% |
| MGV Vngrd Mrgstr MG CP VL ETF-Ui | 0.39% | 4,589 | $632K | Add +2.8% |
| ORCL Oracle Corp. | 0.39% | 2,245 | $631K | Reduce -0.9% |
| VSS Vanguard Ftse All Wo X-US SC | 0.38% | 4,299 | $613K | Reduce -1.6% |
| ADBE Adobe Inc. | 0.38% | 1,737 | $613K | Reduce -3.2% |
| BNDX Vanguard Total Intl Bond ETF | 0.38% | 12,322 | $609K | Add +0.5% |
| SPTL SS SPDR PF LNG TRM TSY E-Usd | 0.37% | 22,411 | $604K | Reduce -19.3% |
| AWK American Water Works Co. Inc. | 0.37% | 4,315 | $601K | Reduce -2.8% |
| XOM Exxon Mobil Corp. | 0.37% | 5,307 | $598K | Reduce -2.8% |
| IWM iShares Russell 2000 ETF | 0.37% | 2,460 | $595K | Add +3.6% |
| IJH iShares Core S&P Midcap ETF | 0.37% | 9,063 | $591K | No change |
| COF Capital One Financial Corp. | 0.36% | 2,747 | $584K | Reduce -4.0% |
| NOC Northrop Grumman Corp. | 0.36% | 948 | $578K | Reduce -2.7% |
| EOG EOG Resources Inc. | 0.34% | 4,854 | $544K | Reduce -3.5% |
| USMV iShares MSCI USA Min Vol Fac | 0.34% | 5,689 | $541K | Reduce -0.3% |
| PANW Palo Alto Networks Inc. | 0.33% | 2,653 | $540K | Reduce -1.1% |
| GLD SPDR Gold Shares | 0.33% | 1,511 | $537K | Reduce -30.8% |
| EFAV iShares MSCI Eafe Min Vol Fa | 0.31% | 5,908 | $501K | Add +0.4% |
| IEFA iShares Core MSCI Eafe ETF | 0.31% | 5,736 | $501K | Add +4.6% |
| BBCA JPMorgan Betabuilders Canada | 0.31% | 5,741 | $501K | Add +0.4% |
| CME Cme Group Inc. | 0.31% | 1,836 | $496K | Reduce -5.3% |
| NXPI NXP Semiconductors NV | 0.31% | 2,161 | $492K | Reduce -3.1% |
| VXUS Vanguard Total Intl Stock | 0.30% | 6,627 | $487K | Reduce -2.4% |
| BRK.B Berkshire Hathaway Inc. Class B | 0.30% | 961 | $483K | Reduce -4.2% |
| JGLO JPMorgan GLBL SLCT Eq ETF | 0.29% | 6,810 | $462K | Reduce -27.8% |
| CRM Salesforce Inc. | 0.28% | 1,908 | $452K | Add +1.1% |
| VNQI Vanguard GLBL Ex-US Real Est | 0.28% | 9,371 | $447K | Add +1.4% |
| NFLX Netflix Inc. | 0.27% | 358 | $429K | Add +2.9% |
| TFI SS SPDR N Ice Muni Bond ETF | 0.26% | 9,275 | $423K | Add +2.2% |
| BBIN JPM Betabuilders Intl Eqty filed as J P MORGAN EXCHANGE TRADED F | 0.25% | 5,862 | $411K | Add +37.4% |
| WMB Williams Cos Inc. | 0.25% | 6,488 | $411K | Add +3.4% |
| TFLO iShares Treasury Floating Ra | 0.25% | 8,102 | $410K | Reduce -1.8% |
| VWIAX Vanguard Wellesley Inc.-Adm | 0.25% | 6,272 | $399K | No change |
| ULST SS Ultra Short TM Bond ETF | 0.24% | 9,622 | $392K | No change |
| IWR iShares Russell Mid-Cap ETF | 0.24% | 4,054 | $391K | Add +25.2% |
| IBM Intl Business Machines Corp. filed as INTERNATIONAL BUSINESS MACHS | 0.24% | 1,374 | $388K | Add +11.3% |
| ABBV Abbvie Inc. | 0.24% | 1,655 | $383K | Add +9.9% |
| ZTS Zoetis Inc. | 0.23% | 2,564 | $375K | Reduce -1.5% |
| BAC Bank of America Corp. filed as BANK AMERICA CORP | 0.23% | 7,248 | $374K | Add +7.4% |
Portfolio Sells Q2 2025 → Q3 2025
| SPAB SS SPDR P Agg Bond ETF | Reduce -73.0% | 0.22% | −0.65 |
| PWR Quanta Services Inc. | Sold out | 0.00% | −0.55 |
| RWR SS SPDR Dow Jones REIT ETF | Reduce -85.4% | 0.07% | −0.46 |
| UNH Unitedhealth Group Inc. | Reduce -73.1% | 0.13% | −0.38 |
| SPLB SS SPDR P Long Term C ETF | Reduce -98.0% | 0.01% | −0.32 |
| SPGI S&P Global Inc. | Reduce -87.6% | 0.04% | −0.31 |
| TOTL SS Doubleline TR Tact ETF | Reduce -63.3% | 0.14% | −0.26 |
| RWX State Street SPDR Dow Jones | Reduce -83.7% | 0.04% | −0.23 |
| V Visa Inc. Class A | Reduce -8.6% | 0.83% | −0.20 |
| VTV Vanguard Mrngstr Val ETF-Aui | Reduce -0.7% | 4.00% | −0.17 |
| GLDM SPDR Gold Minishares Trust | Sold out | 0.00% | −0.14 |
| ISRG Intuitive Surgical Inc. | Reduce -0.7% | 0.42% | −0.13 |
| JGLO JPMorgan GLBL SLCT Eq ETF | Reduce -27.8% | 0.29% | −0.12 |
| SPTL SS SPDR PF LNG TRM TSY E-Usd | Reduce -19.3% | 0.37% | −0.12 |
| GLD SPDR Gold Shares | Reduce -30.8% | 0.33% | −0.12 |
| SPIB SS SPDR P Int C Corp. ETF | Reduce -44.4% | 0.11% | −0.10 |
| ADBE Adobe Inc. | Reduce -3.2% | 0.38% | −0.09 |
| TT Trane Technologies PLC | Reduce -4.7% | 0.54% | −0.09 |
| VRTX Vertex Pharmaceuticals Inc. | Reduce -7.7% | 0.23% | −0.08 |
| SNPS Synopsys Inc. | Reduce -2.0% | 0.45% | −0.08 |
| EOG EOG Resources Inc. | Reduce -3.5% | 0.34% | −0.07 |
| TMUS T-Mobile US Inc. | Reduce -0.6% | 0.72% | −0.07 |
| PEP Pepsico Inc. | Reduce -25.5% | 0.21% | −0.07 |
| VEA Vanguard Ftse Developed ETF | Reduce -0.5% | 1.67% | −0.06 |
| SPMO Invesco S&P 500 Momentum ETF | Reduce -57.3% | 0.04% | −0.06 |
| AWK American Water Works Co. Inc. | Reduce -2.8% | 0.37% | −0.05 |
| COF Capital One Financial Corp. | Reduce -4.0% | 0.36% | −0.05 |
| CME Cme Group Inc. | Reduce -5.3% | 0.31% | −0.05 |
| ROP Roper Technologies Inc. | Reduce -1.6% | 0.19% | −0.05 |
| SPMD SS SPDR P S&P 400 Midcap ETF | Reduce -2.5% | 0.68% | −0.05 |
| ZTS Zoetis Inc. | Reduce -1.5% | 0.23% | −0.05 |
| MTUM iShares MSCI USA Momentum Fa | Reduce -40.7% | 0.07% | −0.05 |
| UPS United Parcel Service Class B | Reduce -1.9% | 0.12% | −0.05 |
| VBR Vngrd Mrngst SL-CP Val ETF-U | Reduce -0.9% | 0.96% | −0.04 |
| RTX RTX Corp. | Sold out | 0.00% | −0.03 |
| BRK.B Berkshire Hathaway Inc. Class B | Reduce -4.2% | 0.30% | −0.03 |
| XLC SS Comm Select Sector SPDR | Reduce -5.9% | 0.62% | −0.03 |
| GWX State Street SPDR S&P Intern | Reduce -5.7% | 0.49% | −0.03 |
| XOM Exxon Mobil Corp. | Reduce -2.8% | 0.37% | −0.03 |
| IP International Paper Co. | Reduce -2.9% | 0.15% | −0.03 |
| NXPI NXP Semiconductors NV | Reduce -3.1% | 0.31% | −0.03 |
| NEE Nextera Energy Inc. | Reduce -1.6% | 0.40% | −0.03 |
| USMV iShares MSCI USA Min Vol Fac | Reduce -0.3% | 0.34% | −0.03 |
| TFLO iShares Treasury Floating Ra | Reduce -1.8% | 0.25% | −0.03 |
| GSK GSK PLC-Spon ADR | Sold out | 0.00% | −0.03 |
| FTV Fortive Corp. | Sold out | 0.00% | −0.02 |
| VBK Van Morst SML-Cap Gro-Usd Inc. | Reduce -1.2% | 1.24% | −0.02 |
| LQD Ishr Ibx Usd Invgd CB ETF-Ui | Reduce -6.5% | 0.16% | −0.02 |
| BXP BXP Inc. | Sold out | 0.00% | −0.02 |
| BUD Anheuser-Busch Inbev-SPN ADR | Reduce -7.1% | 0.06% | −0.02 |
Portfolio Buys Q2 2025 → Q3 2025
| AAPL Apple Inc. | Add +5.3% | 4.32% | +0.69 |
| IVV iShares Core S&P 500 ETF | Add +546.4% | 0.79% | +0.61 |
| SPYM Ste STR SPDR PT S&P 500 ETF | Add +12.2% | 5.08% | +0.53 |
| GOOGL Alphabet Inc. Class A | Add +6.1% | 1.63% | +0.42 |
| SPSM SS SPDR P S&P 600 Small Cap | Add +48.2% | 1.15% | +0.37 |
| NVDA Nvidia Corp. | Add +1.7% | 2.83% | +0.35 |
| SPDW Ste STR SPDR PT DW Eu ETF | Add +19.3% | 2.10% | +0.30 |
| HYG Ishr Ibx Usd Hiyld CB ETF-Ui | Add +26.0% | 1.86% | +0.28 |
| JNK SS SPDR BB High Yield Bond | Add +61.1% | 0.68% | +0.23 |
| TSLA Tesla Inc. | Add +3.1% | 0.74% | +0.21 |
| META Meta Platforms Inc. Class A | Add +37.1% | 0.71% | +0.16 |
| SPEM State Street SP PTF Em ETF | Add +7.2% | 1.87% | +0.14 |
| AVGO Broadcom Inc. | Add +8.4% | 0.61% | +0.12 |
| CERY SS SPDR BBG En RY CM St N-Ui | Add +33.4% | 0.53% | +0.12 |
| BIL SS SPDR BB 1-3M T-Bill ETF | Add +142.2% | 0.21% | +0.12 |
| FISR SS Fi Sector Rotation | Add +10.2% | 0.17% | +0.10 |
| BBUS JPMorgan Betabuilders US Equ | Add +18.0% | 0.56% | +0.08 |
| MGK Vngrd Mrgstr MG CP GR ETF-Ui | Add +11.6% | 0.64% | +0.08 |
| JIG JPMorgan International Growt | New | 0.07% | +0.07 |
| JIVE JPM Interntl Value ETF | New | 0.07% | +0.07 |
| NVT Nvent Electric PLC | Add +74.2% | 0.12% | +0.06 |
| BBIN JPM Betabuilders Intl Eqty | Add +37.4% | 0.25% | +0.06 |
| SYK Stryker Corp. | Add +158.4% | 0.08% | +0.05 |
| ABBV Abbvie Inc. | Add +9.9% | 0.24% | +0.05 |
| MSFT Microsoft Corp. | Add +5.1% | 2.08% | +0.04 |
| IWR iShares Russell Mid-Cap ETF | Add +25.2% | 0.24% | +0.04 |
| SPTM SS SPDR P S&P 1500 Comp ETF | New | 0.04% | +0.04 |
| CRH CRH PLC | Add +65.8% | 0.08% | +0.04 |
| OMC Omnicom Group | Add +298.5% | 0.05% | +0.04 |
| AMD Advanced Micro Devices | Add +0.5% | 0.39% | +0.04 |
| JPM JPMorgan Chase & Co. | Add +3.4% | 1.02% | +0.04 |
| TMO Thermo Fisher Scientific Inc. | Add +2.2% | 0.45% | +0.04 |
| AZN Astrazeneca PLC-Spons ADR | Add +181.2% | 0.05% | +0.03 |
| RPRX Royalty Pharma PLC Class A | New | 0.03% | +0.03 |
| GFI Gold Fields Ltd.-Spons ADR | Add +65.0% | 0.05% | +0.03 |
| SJNK SS SPDR BB St Hi Yield ETF | Add +91.4% | 0.07% | +0.03 |
| JHG Janus Henderson Group PLC | Add +237.8% | 0.04% | +0.03 |
| HD Home Depot Inc. | Add +4.0% | 0.75% | +0.03 |
| IWY iShares Russell Top 200 Grow | New | 0.03% | +0.03 |
| G Genpact Ltd. | Add +317.2% | 0.04% | +0.03 |
| RF Regions Financial Corp. | Add +31.6% | 0.12% | +0.03 |
| JNJ Johnson & Johnson | Add +50.0% | 0.07% | +0.03 |
| HSY The Hershey Co. | New | 0.03% | +0.03 |
| BBVA Banco Bilbao Vizcaya-SP ADR | Add +63.1% | 0.06% | +0.03 |
| TSM Taiwan Semiconductor-SP ADR | Add +46.3% | 0.07% | +0.03 |
| CLS Celestica Inc. | Add +19.6% | 0.06% | +0.03 |
| MS Morgan Stanley | Add +36.6% | 0.09% | +0.03 |
| USIG iShares Broad Usd Investment | Add +42.6% | 0.10% | +0.03 |
| GE General Electric | Add +38.9% | 0.07% | +0.03 |
| TD Toronto-Dominion Bank | Add +112.1% | 0.05% | +0.03 |
Notes & Other Activity Q2 2025 → Q3 2025
| GPC Genuine Parts Co. | COM | Sold out | 0 | $0before exit |
Bonds, preferreds, convertibles and warrants; not part of the stock holdings or percentages above.
All Filings
| Quarter | Positions | 13F Reported Value | Top Holdings |
|---|---|---|---|
| Q2 2026 | 607 | $176.3M | SPYM, AAPL, VTV, VUG, NVDA |
| Q1 2026 | 613 | $159.8M | AAPL, SPYM, VTV, VUG, NVDA |
| Q4 2025 | 598 | $309.4M | ABBNY, SPYM, AAPL, VTV, VUG |
| Q3 2025 | 513 | $161.3M | SPYM, AAPL, VUG, VTV, NVDA |
| Q2 2025 | 609 | $148.9M | SPYM, VUG, VTV, AAPL, NVDA |
| Q1 2025 | 602 | $131.4M | AAPL, SPYM, VTV, SPDW, VUG |
| Q4 2024 | 606 | $142.3M | SPYM, AAPL, VTV, VUG, NVDA |
| Q3 2024 | 600 | $157.4M | VUG, VTV, SPYM, AAPL, VOO |
| Q2 2024 | 588 | $138.9M | SPYM, VTV, VUG, AAPL, SPDW |
| Q1 2024 | 617 | $141.9M | SPYM, VTV, VUG, AAPL, SPDW |