Retirement Financial Solutions, LLC holds a focused book of 53 reported positions worth $406.8M as of Q2 2026 (disclosed Jul 30, 2026, a ~30-day 13F lag). This quarter they opened Uscf Summerhaven Dynamic ETF and trimmed Ishares 7-10 Year Treasury B. Their largest long position is Avantis U.S. Equity ETF at 11% of the reported non-option book. Cloning the disclosed picks since 2026 would be +8% (+15.3%/yr). That is a simulation of the disclosed long book, not audited returns.
The reported book (valued from quarter-end) returned +17.3%, a 9.5-point gap that is the cost of the ~30-day 13F disclosure lag a real follower can't avoid.
Growth of $10,000 cloning Retirement Financial Solutions, LLC's disclosed long 13F book, rebalanced on each filing date (so it reflects each quarter's actual reporting lag, ~30 days for the latest filing, with no look-ahead), total-return basis (dividends reinvested), derived from end-of-day prices. “Their reported book” values the same picks from quarter-end, before they were public. S&P 500 is SPY total return over the same window. Excludes shorts, cash, options and non-13F holdings. Not investment advice.
Top-heavy: focused book
Share of the disclosed book in its largest positions. A higher top-5 share means a more concentrated, higher-conviction portfolio.
1% mapped to company sectors
+4 sectors below the cut, under 0.5% together
Direct operating-company sectors from our SIC-based security master. ETF/fund and unclassified holdings stay visible separately; this is not ETF look-through exposure.
Estimated $ traded · quarter-end prices (an exit at the prior quarter-end), no cost basis
Other tracked managers holding the same core names as Retirement Financial Solutions, LLC
| Manager / fund | Shared names | Their $ in those |
|---|---|---|
| Avalon Advisory Group | 7 / 53 | $251.9M |
| Flower City Capital | 10 / 53 | $178.3M |
| Stuart Investment Advisors, Inc. | 6 / 53 | $193.7M |
| Beacon Wealthcare LLC | 5 / 53 | $230.9M |
| Sloy Dahl & Holst, LLC | 13 / 53 | $577.0M |
| Prospera Capital Management, LLC | 17 / 53 | $218.8M |
| Shade Tree Advisors LLC | 5 / 53 | $116.6M |
| Kearns & Associates LLC | 6 / 53 | $141.9M |
Ranked by the share of each fund's own book sitting in the names it shares with Retirement Financial Solutions, LLC: only funds sharing at least a tenth of the book qualify. Index giants, bank custody books and market makers are excluded. They hold everything, so their overlap says nothing.
Bars show each position's share of the portfolio. Click a row for its position history.
| # | Security | Value | Shares | % Port | Last move | History |
|---|---|---|---|---|---|---|
| 1 | American Centy ETF TR US EQT ETF | $45.2M | 353.2K | 11.1% | ▲+5.1% Added · +17K sh | |
| 2 | American Centy ETF TR AVAN US SMAL ETF | $28.7M | 391.9K | 7.1% | ▲+4.0% Added · +15K sh | |
| 3 | American Centy ETF TR US SML CP VALU | $27.9M | 224.0K | 6.9% | ▲+4.4% Added · +9K sh | |
| 4 | SPDR Series Trust ST STR P500ETF | $24.8M | 282.7K | 6.1% | ▲+2.7% Added · +7K sh | |
| 5 | American Centy ETF TR AVANTIS EMGMKT | $24.0M | 248.5K | 5.9% | ▲+72% Added · +104K sh | |
| 6 | Invesco Exch Traded FD TR II NASDAQNXTGEN100 | $21.5M | 473.1K | 5.3% | ▲+3.8% Added · +17K sh | |
| 7 | Vanguard Scottsdale FDS LONG TERM TREAS | $20.3M | 367.0K | 5.0% | ▲+15% Added · +49K sh | |
| 8 | Vanguard Intl Equity Index F FTSE EMR MKT ETF | $18.8M | 314.9K | 4.6% | ▲+4.9% Added · +15K sh | |
| 9 | Schwab Strategic TR US DIVIDEND EQ | $14.9M | 470.7K | 3.7% | ▲+0.1% Added · +254 sh | |
| 10 | Vanguard World FD EXTENDED DUR | $14.4M | 220.5K | 3.5% | ▲+225% Added · +153K sh | |
| 11 | Tidal Trust I FUND GRAN US ETF | $13.9M | 503.1K | 3.4% | ▲+6.5% Added · +31K sh | |
| 12 | Vanguard World FD MEGA CAP INDEX | $13.8M | 50.4K | 3.4% | ▲+6.7% Added · +3K sh | |
| 13 | SPDR Series Trust ST STR P400MID | $13.7M | 202.1K | 3.4% | ▲+4.7% Added · +9K sh | |
| 14 | State STR SPDR Dow Jones Ind UT SER 1 | $13.6M | 25.9K | 3.3% | ▲+7.6% Added · +2K sh | |
| 15 | Invesco Exchange Traded FD T S&P500 EQL WGT | $13.5M | 63.4K | 3.3% | ▲+7.7% Added · +5K sh | |
| 16 | Vanguard Intl Equity Index F ALLWRLD EX US | $13.0M | 154.7K | 3.2% | ▲+7.8% Added · +11K sh | |
| 17 | Vaneck ETF Trust AGRIBUSINESS ETF | $11.6M | 146.9K | 2.9% | ▲+6.9% Added · +10K sh | |
| 18 | Invesco Actively Managed Exc S&P 500 EQUA ETF | $10.4M | 195.2K | 2.6% | ▲+4.5% Added · +8K sh | |
| 19 | Invesco Exch Traded FD TR II NASDAQ 100 ETF | $8.3M | 27.4K | 2.0% | ▲+4.0% Added · +1K sh | |
| 20 | SPDR Series Trust ST STR P500GRW | $7.2M | 60.8K | 1.8% | ▲+5.9% Added · +3K sh | |
| 21 | Invesco Exch Traded FD TR II S&P 500 REVENUE | $6.9M | 54.3K | 1.7% | ▲+6.9% Added · +3K sh | |
| 22 | SPDR Series Trust ST STR P500VAL | $6.7M | 110.2K | 1.6% | ▲+7.4% Added · +8K sh | |
| 23 | Schwab Strategic TR US TIPS ETF | $6.4M | 242.6K | 1.6% | ▲+7.7% Added · +17K sh | |
| 24 | Vanguard Scottsdale FDS SHORT TERM TREAS | $5.4M | 93.4K | 1.3% | ▲+2.3% Added · +2K sh | |
| 25 | Vanguard Index FDS S&P 500 ETF SHS | $2.3M | 3.3K | 0.6% | ▲+3.0% Added · +96 sh | |
| 26 | Uscf ETF TR SUMMERHAVEN K1 | $1.9M | 72.9K | 0.5% | ▲New New position | |
| 27 | Ishares TR 7-10 YR TRSY BD | $1.5M | 15.8K | 0.4% | ▼−87% Reduced · −109K sh | |
| 28 | Vanguard Index FDS REAL ESTATE ETF | $1.5M | 15.3K | 0.4% | ▼−7.8% Reduced · −1K sh | |
| 29 | Vanguard Star FDS VG TL INTL STK F | $1.4M | 16.2K | 0.3% | ▲+0.4% Added · +71 sh | |
| 30 | Ishares Gold Trust Micro SHS REPSTG UN TR | $1.3M | 31.8K | 0.3% | ▲+14% Added · +4K sh | |
| 31 | Vanguard Index FDS MCAP VL IDXVIP | $1.0M | 5.3K | 0.3% | ▼−2.2% Reduced · −118 sh | |
| 32 | Grayscale Bitcoin Mini TR Et SHS NEW | $963K | 37.1K | 0.2% | ▲+4.1% Added · +1K sh | |
| 33 | Vanguard Scottsdale FDS VNG RUS1000IDX | $845K | 2.5K | 0.2% | ▲+0.2% Added · +6 sh | |
| 34 | Vanguard Scottsdale FDS INT-TERM CORP | $789K | 9.5K | 0.2% | ▲+1.3% Added · +125 sh | |
| 35 | Litman Gregory FDS TR IMGP DBI MAN ETF | $768K | 25.1K | 0.2% | ▼−0.1% Reduced · −32 sh | |
| 36 | Nvidia Corporation COM | $753K | 3.8K | 0.2% | ▲+15% Added · +486 sh | |
| 37 | ALPS ETF TR ALERIAN MLP | $744K | 14.3K | 0.2% | ▲+1.8% Added · +254 sh | |
| 38 | Grayscale Ethereum Staking SHS NEW | $710K | 47.3K | 0.2% | ▲+28% Added · +10K sh | |
| 39 | Vanguard Index FDS TOTAL STK MKT | $690K | 1.9K | 0.2% | ▲+0.3% Added · +5 sh | |
| 40 | Bluerock PVT Real Estate FD COM | $590K | 45.4K | 0.1% | ▼−8.4% Reduced · −4K sh | |
| 41 | Vanguard Index FDS MID CAP ETF | $533K | 6.6K | 0.1% | ▲+318% Added · +5K sh | |
| 42 | Vanguard Index FDS SM CP VAL ETF | $491K | 2.0K | 0.1% | ▲+0.4% Added · +9 sh | |
| 43 | SPDR Series Trust ST STR SP600 SML | $403K | 7.0K | 0.1% | ▲+0.3% Added · +24 sh | |
| 44 | Invesco Actively Managed Exc QQQ INC ADV ETF | $391K | 6.8K | 0.1% | ▼−6.7% Reduced · −489 sh | |
| 45 | Abrdn Silver ETF Trust PHYSCL SILVR SHS | $341K | 6.1K | 0.1% | ▲+10% Added · +564 sh | |
| 46 | Texas Instrs Inc COM | $311K | 1.0K | 0.1% | ▲+0.5% Added · +5 sh | |
| 47 | Definium Therapeutics Inc COM SHS | $282K | 6.0K | 0.1% | ▲New New position | |
| 48 | Wisdomtree TR EUROPE HEDGED EQ | $253K | 4.4K | 0.1% | ▲+1.7% Added · +74 sh | |
| 49 | Tesla Inc COM | $245K | 582 | 0.1% | —Held | |
| 50 | Apple Inc COM | $212K | 732 | 0.1% | ▲New New position |
This fund page is the Follow view. The Build view lets your agent pull holdings, quarter changes, overlap, and source filings through API or MCP.
curl -H "Authorization: Bearer YOUR_API_KEY" \ "https://arkolith.com/api/v1/funds/1962532/holdings"
Use Arkolith to show RETIREMENT FINANCIAL SOLUTIONS, LLC's latest holdings, largest changes, and filing provenance.
As-of date vs the date the SEC received each filing
Reported 13F total per quarter. Raw filing totals can include option notional.
Holdings from SEC EDGAR 13F-HR filings, updated quarterly, filed up to 45 days after quarter-end. Public domain. Book totals and portfolio weights cover reported non-option positions, which can include notes and warrants. Disclosed put/call options are listed separately and excluded from those totals. The performance line is a simulation of the disclosed long book, not an audited return.