RETIREMENT FINANCIAL SOLUTIONS, LLC — Q4 2025 13F Holdings

Holdings as of December 31, 2025

Portfolio value

$341.61B

Holdings count

47 positions reported

Accession #

0001962532-26-000001

Form 13F-HR

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All Reported Positions

47 positions sorted by value

47 positions

Issuer	CUSIP	Valuev	Weight	Shares/Prin.	Discretion	Voting (Sole/Shared/None)
AMERICAN CENTY ETF TRUS EQT ETF	025072885	$37.24B	10.90%	333,192shares	SOLE	0 / 0 / 333,192
AMERICAN CENTY ETF TRAVANTIS US SMALL	025072323	$21.73B	6.36%	369,883shares	SOLE	0 / 0 / 369,883
AMERICAN CENTY ETF TRUS SML CP VALU	025072877	$21.72B	6.36%	213,024shares	SOLE	0 / 0 / 213,024
SPDR SERIES TRUSTSTATE STREET SPD	78464A854	$21.65B	6.34%	269,851shares	SOLE	0 / 0 / 269,851
SPDR SERIES TRUSTSTATE STREET SPD	78464A847	$21.54B	6.31%	371,967shares	SOLE	0 / 0 / 371,967
VANGUARD SCOTTSDALE FDSLONG TERM TREAS	92206C847	$17.60B	5.15%	315,441shares	SOLE	0 / 0 / 315,441
INVESCO EXCH TRADED FD TR IINASDAQ 100 ETF	46138G649	$17.54B	5.14%	69,361shares	SOLE	0 / 0 / 69,361
ISHARES TR7-10 YR TRSY BD	464287440	$17.36B	5.08%	180,524shares	SOLE	0 / 0 / 180,524
SPDR DOW JONES INDL AVERAGEUT SER 1	78467X109	$17.02B	4.98%	35,418shares	SOLE	0 / 0 / 35,418
INVESCO EXCH TRADED FD TR IINASDAQNXTGEN100	46138G631	$16.36B	4.79%	443,924shares	SOLE	0 / 0 / 443,924
VANGUARD INTL EQUITY INDEX FFTSE EMR MKT ETF	922042858	$15.74B	4.61%	292,875shares	SOLE	0 / 0 / 292,875
SCHWAB STRATEGIC TRUS DIVIDEND EQ	808524797	$13.37B	3.91%	487,419shares	SOLE	0 / 0 / 487,419
VANGUARD WORLD FDMEGA CAP INDEX	921910873	$11.57B	3.39%	46,081shares	SOLE	0 / 0 / 46,081
INVESCO EXCHANGE TRADED FD TS&P500 EQL WGT	46137V357	$11.15B	3.26%	58,219shares	SOLE	0 / 0 / 58,219
AMERICAN CENTY ETF TRAVANTIS EMGMKT	025072604	$11.02B	3.23%	143,070shares	SOLE	0 / 0 / 143,070
INVESCO ACTIVELY MANAGED EXCS&P 500 EQUAL WE	46090A697	$9.33B	2.73%	183,163shares	SOLE	0 / 0 / 183,163
SPDR SERIES TRUSTSTATE STREET SPD	78464A409	$5.84B	1.71%	54,761shares	SOLE	0 / 0 / 54,761
INVESCO EXCH TRADED FD TR IIS&P 500 REVENUE	46138G698	$5.81B	1.70%	50,751shares	SOLE	0 / 0 / 50,751
VANGUARD SCOTTSDALE FDSSHORT TERM TREAS	92206C102	$5.81B	1.70%	98,877shares	SOLE	0 / 0 / 98,877
WISDOMTREE TRUS LARGECAP FUND	97717W588	$5.79B	1.69%	81,652shares	SOLE	0 / 0 / 81,652
SPDR SERIES TRUSTSTATE STREET SPD	78464A508	$5.71B	1.67%	100,524shares	SOLE	0 / 0 / 100,524
ISHARES TR0-5YR HI YL CP	46434V407	$4.43B	1.30%	103,238shares	SOLE	0 / 0 / 103,238
ISHARES TRISHS 5-10YR INVT	464288638	$4.39B	1.28%	81,462shares	SOLE	0 / 0 / 81,462
VANGUARD WORLD FDEXTENDED DUR	921910709	$4.35B	1.27%	66,966shares	SOLE	0 / 0 / 66,966
VANGUARD INDEX FDSS&P 500 ETF SHS	922908363	$2.10B	0.61%	3,343shares	SOLE	0 / 0 / 3,343
VANGUARD INDEX FDSREAL ESTATE ETF	922908553	$1.50B	0.44%	16,940shares	SOLE	0 / 0 / 16,940
VANGUARD SCOTTSDALE FDSINT-TERM CORP	92206C870	$1.34B	0.39%	16,044shares	SOLE	0 / 0 / 16,044
ISHARES GOLD TRSHARES REPRESENT	46436F103	$1.30B	0.38%	30,260shares	SOLE	0 / 0 / 30,260
VANGUARD STAR FDSVG TL INTL STK F	921909768	$1.22B	0.36%	16,108shares	SOLE	0 / 0 / 16,108
GRAYSCALE BITCOIN MINI TR ETSHS NEW	389930207	$1.10B	0.32%	28,417shares	SOLE	0 / 0 / 28,417
VANGUARD INDEX FDSMCAP VL IDXVIP	922908512	$950.32M	0.28%	5,358shares	SOLE	0 / 0 / 5,358
VANGUARD SCOTTSDALE FDSVNG RUS1000IDX	92206C730	$766.30M	0.22%	2,480shares	SOLE	0 / 0 / 2,480
BLUEROCK PVT REAL ESTATE FDCOM	09631P102	$754.37M	0.22%	50,291shares	SOLE	0 / 0 / 50,291
GRAYSCALE ETHEREUM MINI TR ESHS NEW	38964R203	$750.02M	0.22%	26,729shares	SOLE	0 / 0 / 26,729
ALPS ETF TRALERIAN MLP	00162Q452	$744.91M	0.22%	15,842shares	SOLE	0 / 0 / 15,842
LITMAN GREGORY FDS TRIMGP DBI MANAGED	53700T827	$733.39M	0.21%	26,136shares	SOLE	0 / 0 / 26,136
VANGUARD INDEX FDSTOTAL STK MKT	922908769	$621.23M	0.18%	1,853shares	SOLE	0 / 0 / 1,853
NVIDIA CORPORATIONCOM	67066G104	$588.81M	0.17%	3,157shares	SOLE	0 / 0 / 3,157
VANGUARD INDEX FDSMID CAP ETF	922908629	$440.82M	0.13%	1,519shares	SOLE	0 / 0 / 1,519
ABRDN SILVER ETF TRUSTPHYSCL SILVR SHS	003264108	$436.95M	0.13%	6,460shares	SOLE	0 / 0 / 6,460
VANGUARD INDEX FDSSM CP VAL ETF	922908611	$423.91M	0.12%	2,002shares	SOLE	0 / 0 / 2,002
INVESCO ACTIVELY MANAGED EXCQQQ INCOME ADVAN	46090A689	$377.94M	0.11%	7,128shares	SOLE	0 / 0 / 7,128
ABRDN ETFSBBRG ALL COMD K1	003261104	$339.09M	0.10%	17,363shares	SOLE	0 / 0 / 17,363
SPDR SERIES TRUSTSTATE STREET SPD	78468R853	$325.05M	0.10%	6,937shares	SOLE	0 / 0 / 6,937
TESLA INCCOM	88160R101	$261.74M	0.08%	582shares	SOLE	0 / 0 / 582
WISDOMTREE TREUROPE HEDGED EQ	97717X701	$231.48M	0.07%	4,363shares	SOLE	0 / 0 / 4,363
J P MORGAN EXCHANGE TRADED FEQUITY PREMIUM	46641Q332	$222.05M	0.07%	3,879shares	SOLE	0 / 0 / 3,879

Filing Metadata

Form type

13F-HR

Filing date

Feb 13, 2026

Holdings as of

December 31, 2025

Accession

0001962532-26-000001

CIK

0001962532

View on SEC

Portfolio Snapshot

Total Portfolio Value

$341.61B

Number of Positions

47 reported by filer

Top 10 Concentration

61.4%

Top 20 Concentration

89.3%

Unique Issuers

By CUSIP

Avg. Position Size

$7.27B

Across 47 holdings

Top 5 Holdings

AMERICAN CENTY ETF TR10.9%

AMERICAN CENTY ETF TR6.4%

SPDR SERIES TRUST6.3%