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RETIREMENT FINANCIAL SOLUTIONS, LLC

9725 COGDILL ROAD SUITE 101, KNOXVILLE, TN 37932 • 865-392-4260

Q3 2025 · Filed 2026-03-10
Market Value
$325M
+12.2%
Holdings
63
+13
New Purchases
15
Added To
22
Closed
8
Reduced
16
Top 10 Concentration
60.2%
Turnover
36.5%

Top Buys (by % of Portfolio)

SymbolCur %Prior %Chg %Value
SPMD 6.55% 0.00% +6.55% $21M
AVSC 6.55% 0.00% +6.55% $21M
AVUV 6.46% 0.00% +6.46% $21M
QQQJ 4.93% 0.00% +4.93% $16M
VWO 4.87% 0.00% +4.87% $16M
VGLT 4.08% 0.00% +4.08% $13M
SCHD 3.74% 0.00% +3.74% $12M
EDV 2.58% 0.00% +2.58% $8M
VGSH 1.48% 0.00% +1.48% $5M
IAUM 0.44% 0.00% +0.44% $1M
COWZ 4.29% 3.88% +0.41% $14M
DIA 4.67% 4.31% +0.36% $15M
VCIT 0.35% 0.00% +0.35% $1M
MGC 3.28% 2.99% +0.28% $11M
IBM 0.25% 0.00% +0.25% $798K

Top Sells (by % of Portfolio)

SymbolCur %Prior %Chg %Value
VO 0.14% 7.05% -6.91% $443K
VBR 0.13% 6.62% -6.49% $414K
SPSM 0.10% 6.50% -6.40% $320K
EEM 0.00% 5.05% -5.05% $0
QQQ 0.00% 4.57% -4.57% $0
TLT 0.00% 3.41% -3.41% $0
SHYG 1.26% 3.83% -2.57% $4M
SPHD 0.00% 2.56% -2.56% $0
SHY 0.00% 1.81% -1.81% $0
IEF 4.62% 6.02% -1.39% $15M
QQQM 4.93% 5.65% -0.72% $16M
IGIB 1.26% 1.75% -0.49% $4M
UUP 0.00% 0.38% -0.38% $0
GLD 0.09% 0.43% -0.34% $289K
SPLG 12.32% 12.59% -0.27% $40M

Sector Allocation Over Time

Industry Breakdown

IndustryWeight
Financial Services 99.5%
Technology 0.3%
Energy 0.2%
Consumer Cyclical 0.1%

Market Cap Concentration

TierHoldingsValueWeight
Mega Cap 14 $9M 2.7%
Large Cap 31 $240M 73.8%
Mid Cap 11 $43M 13.3%
Small Cap 6 $33M 10.3%
Micro Cap 1 $0 0.0%

Portfolio Analytics

Avg Market Cap
$354.0B
Median Market Cap
$36.5B
Avg P/E
51.6
Median P/E
25.6
Avg Dividend Yield
0.02%
Avg Beta
0.98
# Stocks
14
# ETFs / Funds
49

Top Holdings (63 total)

# Symbol % Port Shares Value Avg Price Q/Q Value Chg Share Chg Chg % Status
1 SPLG 12.32% 510,926 $40M $78.34 $4M +9,269 +1.9%
2 SPMD 6.55% 372,319 $21M $57.19 +372,319 NEW
3 AVSC 6.55% 371,434 $21M $57.25 +371,434 NEW
4 AVUV 6.46% 210,977 $21M $99.53 +210,977 NEW
5 QQQJ 4.93% 447,691 $16M $35.79 +447,691 NEW
6 QQQM 4.93% 64,790 $16M $247.12 -$345K -7,232 -10.0%
7 VWO 4.87% 291,772 $16M $54.18 +291,772 NEW
8 DIA 4.67% 32,734 $15M $463.75 $3M +4,420 +15.6%
9 IEF 4.62% 155,735 $15M $96.46 -$2M -26,255 -14.4%
10 COWZ 4.29% 242,741 $14M $57.47 $3M +38,593 +18.9%
11 VGLT 4.08% 233,325 $13M $56.86 +233,325 NEW
12 SCHD 3.74% 445,583 $12M $27.30 +445,583 NEW
13 HEDJ 3.41% 219,907 $11M $50.40 $701K +4,144 +1.9%
14 MGC 3.28% 43,616 $11M $244.09 $2M +5,058 +13.1%
15 RSP 3.10% 53,055 $10M $189.70 $2M +7,043 +15.3%
16 JEPI 2.85% 162,276 $9M $57.10 $544K +8,847 +5.8%
17 EDV 2.58% 122,554 $8M $68.45 +122,554 NEW
18 SPYG 1.65% 51,368 $5M $104.51 $858K +4,049 +8.6%
19 EPS 1.61% 76,054 $5M $68.94 $968K +9,265 +13.9%
20 RWL 1.61% 47,335 $5M $110.66 $991K +6,614 +16.2%
21 SPYV 1.58% 92,972 $5M $55.33 $1M +14,014 +17.8%
22 VGSH 1.48% 81,878 $5M $58.85 +81,878 NEW
23 IGIB 1.26% 75,763 $4M $54.09 -$982K -19,560 -20.5%
24 SHYG 1.26% 94,392 $4M $43.30 -$7M -162,629 -63.3%
25 VOO 0.63% 3,350 $2M $612.41 $168K +34 +1.0%
26 SAIC 0.48% 15,635 $2M $99.37 -$207K
27 IAUM 0.44% 37,328 $1M $38.50 +37,328 NEW
28 AAPL 0.37% 4,736 $1M $254.64 $167K -329 -6.5%
29 VNQ 0.36% 12,933 $1M $91.42 $24K -78 -0.6%
30 VXUS 0.36% 15,821 $1M $73.46 $74K +77 +0.5%
31 VCIT 0.35% 13,534 $1M $84.11 +13,534 NEW
32 VOE 0.28% 5,303 $926K $174.59 $58K +27 +0.5%
33 IBM 0.25% 2,827 $798K $282.16 +2,827 NEW
34 VONE 0.23% 2,473 $748K $302.31 $55K +7 +0.3%
35 DBMF 0.19% 22,562 $616K $27.31 $69K +1,307 +6.2%
36 NVDA 0.19% 3,287 $613K $186.58 $116K +138 +4.4%
37 QYLD 0.19% 35,619 $606K $17.01 $52K +2,481 +7.5%
38 VTI 0.19% 1,843 $605K $328.10 $46K +6 +0.3%
39 AMLP 0.18% 12,219 $573K $46.93 -$18K +118 +1.0%
40 BRK-B 0.17% 1,110 $558K $502.56 $15K -8 -0.7%
41 KO 0.17% 8,177 $542K $66.32 -$31K +73 +0.9%
42 VO 0.14% 1,508 $443K $293.72 -$20M -71,414 -97.9%
43 VBR 0.13% 1,983 $414K $208.73 -$19M -96,356 -98.0%
44 ETN 0.11% 971 $363K $374.25 $17K
45 IBIT 0.11% 5,478 $356K $65.00 +5,478 NEW
46 SIVR 0.10% 7,542 $335K $44.48 +7,542 NEW
47 SPSM 0.10% 6,903 $320K $46.32 -$19M -435,181 -98.4%
48 XOM 0.09% 2,619 $295K $112.75 -$65K -727 -21.7%
49 GLD 0.09% 813 $289K $355.25 -$962K -3,290 -80.2%
50 TSLA 0.08% 582 $259K $444.72 $56K -57 -8.9%
51 SYY 0.07% 2,895 $238K $82.33 -$70K -1,177 -28.9%
52 ETHA 0.07% 7,198 $227K $31.51 +7,198 NEW
53 MSFT 0.07% 437 $226K $518.11 -$87K -194 -30.7%
54 FBRT 0.06% 17,994 $195K $10.86 $5K +137 +0.8%
55 PKST 0.04% 10,836 $142K $13.12 -$5K -324 -2.9%
56 QQQ —% -$13M -24,000 -100.0% SOLD
57 TLT —% -$10M -112,012 -100.0% SOLD
58 TXN —% -$211K -1,015 -100.0% SOLD
59 SPHD —% -$7M -155,895 -100.0% SOLD
60 SRLN —% -$571K -13,730 -100.0% SOLD
61 SHY —% -$5M -63,336 -100.0% SOLD
62 EEM —% -$15M -302,995 -100.0% SOLD
63 UUP —% -$1M -41,400 -100.0% SOLD

New Positions

SymbolValue% Port
SPMD $21M 6.55%
AVSC $21M 6.55%
AVUV $21M 6.46%
QQQJ $16M 4.93%
VWO $16M 4.87%
VGLT $13M 4.08%
SCHD $12M 3.74%
EDV $8M 2.58%
VGSH $5M 1.48%
IAUM $1M 0.44%
VCIT $1M 0.35%
IBM $798K 0.25%
IBIT $356K 0.11%
SIVR $335K 0.10%
ETHA $227K 0.07%

Sold Out Positions

SymbolValue% Port
EEM —%
TLT —%
QQQ —%
UUP —%
TXN —%
SRLN —%
SHY —%
SPHD —%
View SEC EDGAR Filings for RETIREMENT FINANCIAL SOLUTIONS, LLC →

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For informational purposes only. Not investment advice. Data sourced from SEC filings. Privacy Terms