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RETIREMENT FINANCIAL SOLUTIONS, LLC

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

Q4 2025 · Filed 2026-03-10
Market Value
$341M
+4.9%
Holdings
62
-1
New Purchases
7
Added To
27
Closed
16
Reduced
11
Top 10 Concentration
61.5%
Turnover
37.1%

Top Buys (by % of Portfolio)

SymbolCur %Prior %Chg %Value
AVUS 10.93% 0.00% +10.93% $37M
AVEM 3.23% 0.00% +3.23% $11M
RSPA 2.74% 0.00% +2.74% $9M
VGLT 5.16% 4.08% +1.08% $18M
IEF 5.09% 4.62% +0.47% $17M
BTC 0.32% 0.00% +0.32% $1M
DIA 4.99% 4.67% +0.32% $17M
VGSH 1.70% 1.48% +0.22% $6M
ETH 0.22% 0.00% +0.22% $750K
QQQM 5.15% 4.93% +0.22% $18M
SCHD 3.92% 3.74% +0.18% $13M
RSP 3.27% 3.10% +0.17% $11M
MGC 3.40% 3.28% +0.12% $12M
QQA 0.11% 0.00% +0.11% $378K
BCI 0.10% 0.00% +0.10% $339K

Top Sells (by % of Portfolio)

SymbolCur %Prior %Chg %Value
SPLG 6.35% 12.32% -5.97% $22M
COWZ 0.00% 4.29% -4.29% $0
HEDJ 0.07% 3.41% -3.34% $231K
JEPI 0.07% 2.85% -2.79% $222K
EDV 1.28% 2.58% -1.30% $4M
SAIC 0.00% 0.48% -0.48% $0
AAPL 0.00% 0.37% -0.37% $0
VWO 4.62% 4.87% -0.25% $16M
IBM 0.00% 0.25% -0.25% $0
SPMD 6.32% 6.55% -0.23% $22M
QYLD 0.00% 0.19% -0.19% $0
BRK-B 0.00% 0.17% -0.17% $0
AVSC 6.37% 6.55% -0.17% $22M
KO 0.00% 0.17% -0.17% $0
QQQJ 4.80% 4.93% -0.13% $16M

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 12 $5M 1.5%
Large Cap 30 $263M 77.0%
Mid Cap 11 $39M 11.6%
Small Cap 9 $34M 9.8%

Portfolio Analytics

Avg Market Cap
$347.0B
Median Market Cap
$30.1B
Avg P/E
48.6
Median P/E
24.8
Avg Dividend Yield
0.02%
Avg Beta
1.03
# Stocks
13
# ETFs / Funds
49

Top Holdings (62 total)

# Symbol % Port Shares Value Avg Price Q/Q Value Chg Share Chg Chg % Status
1 AVUS 10.93% 333,192 $37M $111.78 +333,192 NEW
2 AVSC 6.37% 369,883 $22M $58.74 $462K -1,551 -0.4%
3 AVUV 6.37% 213,024 $22M $101.98 $726K +2,047 +1.0%
4 SPLG 6.35% 269,851 $22M $80.22 -$18M -241,075 -47.2%
5 SPMD 6.32% 371,967 $22M $57.91 $248K -352 -0.1%
6 VGLT 5.16% 315,441 $18M $55.80 $4M +82,116 +35.2%
7 QQQM 5.15% 69,361 $18M $252.92 $2M +4,571 +7.1%
8 IEF 5.09% 180,524 $17M $96.16 $2M +24,789 +15.9%
9 DIA 4.99% 35,418 $17M $480.57 $2M +2,684 +8.2%
10 QQQJ 4.80% 443,924 $16M $36.85 $336K -3,767 -0.8%
11 VWO 4.62% 292,875 $16M $53.76 -$63K +1,103 +0.4%
12 SCHD 3.92% 487,419 $13M $27.43 $1M +41,836 +9.4%
13 MGC 3.40% 46,081 $12M $251.17 $928K +2,465 +5.7%
14 RSP 3.27% 58,219 $11M $191.56 $1M +5,164 +9.7%
15 AVEM 3.23% 143,070 $11M $77.02 +143,070 NEW
16 RSPA 2.74% 183,163 $9M $50.96 +183,163 NEW
17 SPYG 1.71% 54,761 $6M $106.70 $475K +3,393 +6.6%
18 RWL 1.70% 50,751 $6M $114.50 $573K +3,416 +7.2%
19 VGSH 1.70% 98,877 $6M $58.73 $988K +16,999 +20.8%
20 EPS 1.70% 81,652 $6M $70.86 $543K +5,598 +7.4%
21 SPYV 1.68% 100,524 $6M $56.81 $567K +7,552 +8.1%
22 SHYG 1.30% 103,238 $4M $42.87 $339K +8,846 +9.4%
23 IGIB 1.29% 81,462 $4M $53.88 $291K +5,699 +7.5%
24 EDV 1.28% 66,966 $4M $65.01 -$4M -55,588 -45.4%
25 VOO 0.62% 3,343 $2M $627.07 $45K -7 -0.2%
26 VNQ 0.44% 16,940 $1M $88.49 $317K +4,007 +31.0%
27 VCIT 0.39% 16,044 $1M $83.75 $205K +2,510 +18.6%
28 IAUM 0.38% 30,260 $1M $42.99 -$136K -7,068 -18.9%
29 VXUS 0.36% 16,108 $1M $75.44 $53K +287 +1.8%
30 BTC 0.32% 28,417 $1M $38.73 +28,417 NEW
31 VOE 0.28% 5,358 $950K $177.36 $24K +55 +1.0%
32 VONE 0.22% 2,480 $766K $308.99 $19K +7 +0.3%
33 ETH 0.22% 26,729 $750K $28.06 +26,729 NEW
34 AMLP 0.22% 15,842 $745K $47.02 $171K +3,623 +29.6%
35 DBMF 0.22% 26,136 $733K $28.06 $117K +3,574 +15.8%
36 VTI 0.18% 1,853 $621K $335.25 $17K +10 +0.5%
37 NVDA 0.17% 3,157 $589K $186.51 -$24K -130 -4.0%
38 VO 0.13% 1,519 $441K $290.21 -$2K +11 +0.7%
39 SIVR 0.13% 6,460 $437K $67.64 $101K -1,082 -14.3%
40 VBR 0.12% 2,002 $424K $211.74 $10K +19 +1.0%
41 QQA 0.11% 7,128 $378K $53.02 +7,128 NEW
42 BCI 0.10% 17,363 $339K $19.53 +17,363 NEW
43 SPSM 0.10% 6,937 $325K $46.86 $5K +34 +0.5%
44 TSLA 0.08% 582 $262K $449.72 $3K
45 HEDJ 0.07% 4,363 $231K $53.06 -$11M -215,544 -98.0%
46 JEPI 0.07% 3,879 $222K $57.24 -$9M -158,397 -97.6%
47 ETHA —% -$227K -7,198 -100.0% SOLD
48 GLD —% -$289K -813 -100.0% SOLD
49 FBRT —% -$195K -17,994 -100.0% SOLD
50 KO —% -$542K -8,177 -100.0% SOLD
51 PKST —% -$142K -10,836 -100.0% SOLD
52 IBM —% -$798K -2,827 -100.0% SOLD
53 XOM —% -$295K -2,619 -100.0% SOLD
54 ETN —% -$363K -971 -100.0% SOLD
55 BRK-B —% -$558K -1,110 -100.0% SOLD
56 COWZ —% -$14M -242,741 -100.0% SOLD
57 SYY —% -$238K -2,895 -100.0% SOLD
58 AAPL —% -$1M -4,736 -100.0% SOLD
59 MSFT —% -$226K -437 -100.0% SOLD
60 IBIT —% -$356K -5,478 -100.0% SOLD
61 QYLD —% -$606K -35,619 -100.0% SOLD
62 SAIC —% -$2M -15,635 -100.0% SOLD

New Positions

SymbolValue% Port
AVUS $37M 10.93%
AVEM $11M 3.23%
RSPA $9M 2.74%
BTC $1M 0.32%
ETH $750K 0.22%
QQA $378K 0.11%
BCI $339K 0.10%

Sold Out Positions

SymbolValue% Port
XOM —%
FBRT —%
KO —%
IBM —%
ETN —%
SYY —%
AAPL —%
ETHA —%
IBIT —%
COWZ —%
GLD —%
MSFT —%
SAIC —%
QYLD —%
BRK-B —%
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