Skip to content
Disclosery

RETIREMENT FINANCIAL SOLUTIONS, LLC

Follow

13F filer, CIK 1962532, KNOXVILLE, TN

RETIREMENT FINANCIAL SOLUTIONS, LLC reported $319,490,808 across 45 holdings for the quarter ended 2025-09-30, in a 13F-HR/A filed 2026-03-10. Its ten largest share positions make up 61.22% of the portfolio.

Filed (acceptance time not in the bulk data set), ingested 13F-HR/A 0001962532-26-000004

A NEW HOLDINGS amendment repeated most of the original and was read as a restatement (H3).

Period
2025-09-30
Reported value
$319M
Holdings
45
Top 10 weight
61.22%
New
16
Sold out
9

Largest buys vs the previous quarter

SecurityShares changeApprox. value
SPMDnew+372,319$21.3M
AVSCnew+371,434$21.3M
AVUVnew+210,977$21M
QQQJnew+447,691$16M
VWOnew+291,772$15.8M

Ranked by the share change valued at this quarter's implied price (value over shares in the 13F). A position sold out is valued at the previous quarter's price, its last report.

Largest sells vs the previous quarter

SecurityShares changeApprox. value
VOreduced-71,414-$21M
SPSMreduced-435,181-$20.2M
VBRreduced-96,356-$20.1M
EEMexited-302,995-$14.6M
QQQexited-24,000-$13.2M

Ranked by the share change valued at this quarter's implied price (value over shares in the 13F). A position sold out is valued at the previous quarter's price, its last report.

Holdings, Q3 2025

Share positions as resolved from 13F-HR/A 0001962532-26-000004, largest first. % of portfolio is the value over $319,490,808, the sum of the share positions whose value is usable for ratios (method).

SecurityHistorySharesValue% of portfolioChangeLatest eventTimeline
SPYMSPDR SERIES TRUSTQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2023Q4: restricted; 2024Q1: restricted; 2024Q2: restricted; 2024Q3: 300,655 shares; 2024Q4: 280,258 shares; 2025Q1: 466,141 shares; 2025Q2: 501,657 shares; 2025Q3: 510,926 shares 510,926$40M12.53%+9,269Timeline
SPMDSPDR SERIES TRUSTQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2023Q4: restricted; 2024Q1: restricted; 2024Q2: restricted; 2024Q3: not reported; 2024Q4: not reported; 2025Q1: not reported; 2025Q2: not reported; 2025Q3: 372,319 shares 372,319$21.3M6.66%newTimeline
AVSCAMERICAN CENTY ETF TRQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2023Q4: restricted; 2024Q1: restricted; 2024Q2: restricted; 2024Q3: not reported; 2024Q4: not reported; 2025Q1: not reported; 2025Q2: not reported; 2025Q3: 371,434 shares 371,434$21.3M6.66%newTimeline
AVUVAMERICAN CENTY ETF TRQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2023Q4: restricted; 2024Q1: restricted; 2024Q2: restricted; 2024Q3: not reported; 2024Q4: not reported; 2025Q1: not reported; 2025Q2: not reported; 2025Q3: 210,977 shares 210,977$21M6.57%newTimeline
QQQJINVESCO EXCH TRADED FD TR IIQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2023Q4: restricted; 2024Q1: restricted; 2024Q2: restricted; 2024Q3: not reported; 2024Q4: not reported; 2025Q1: not reported; 2025Q2: not reported; 2025Q3: 447,691 shares 447,691$16M5.02%newTimeline
QQQMINVESCO EXCH TRADED FD TR IIQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2023Q4: restricted; 2024Q1: restricted; 2024Q2: restricted; 2024Q3: 98,941 shares; 2024Q4: 74,008 shares; 2025Q1: 76,736 shares; 2025Q2: 72,022 shares; 2025Q3: 64,790 shares 64,790$16M5.01%-7,232Timeline
VWOVANGUARD INTL EQUITY INDEX FQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2023Q4: restricted; 2024Q1: restricted; 2024Q2: restricted; 2024Q3: not reported; 2024Q4: not reported; 2025Q1: not reported; 2025Q2: not reported; 2025Q3: 291,772 shares 291,772$15.8M4.95%newTimeline
DIASTATE STR SPDR DOW JONES INDQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2023Q4: restricted; 2024Q1: restricted; 2024Q2: restricted; 2024Q3: not reported; 2024Q4: not reported; 2025Q1: 22,119 shares; 2025Q2: 28,314 shares; 2025Q3: 32,734 shares 32,734$15.2M4.75%+4,420Timeline
IEFISHARES TRQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2023Q4: restricted; 2024Q1: restricted; 2024Q2: restricted; 2024Q3: 155,947 shares; 2024Q4: 152,983 shares; 2025Q1: 182,963 shares; 2025Q2: 181,990 shares; 2025Q3: 155,735 shares 155,735$15M4.7%-26,255Timeline
COWZPACER FDS TRQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2023Q4: restricted; 2024Q1: restricted; 2024Q2: restricted; 2024Q3: not reported; 2024Q4: not reported; 2025Q1: 155,976 shares; 2025Q2: 204,148 shares; 2025Q3: 242,741 shares 242,741$14M4.37%+38,593Timeline
VGLTVANGUARD SCOTTSDALE FDSQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2023Q4: restricted; 2024Q1: restricted; 2024Q2: restricted; 2024Q3: not reported; 2024Q4: not reported; 2025Q1: not reported; 2025Q2: not reported; 2025Q3: 233,325 shares 233,325$13.3M4.15%newTimeline
SCHDSCHWAB STRATEGIC TRQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2023Q4: restricted; 2024Q1: restricted; 2024Q2: restricted; 2024Q3: not reported; 2024Q4: not reported; 2025Q1: not reported; 2025Q2: not reported; 2025Q3: 445,583 shares 445,583$12.2M3.81%newTimeline
HEDJWISDOMTREE TRQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2023Q4: restricted; 2024Q1: restricted; 2024Q2: restricted; 2024Q3: 136,655 shares; 2024Q4: 224,288 shares; 2025Q1: 231,515 shares; 2025Q2: 215,763 shares; 2025Q3: 219,907 shares 219,907$11.1M3.47%+4,144Timeline
MGCVANGUARD WORLD FDQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2023Q4: restricted; 2024Q1: restricted; 2024Q2: restricted; 2024Q3: not reported; 2024Q4: not reported; 2025Q1: 30,282 shares; 2025Q2: 38,558 shares; 2025Q3: 43,616 shares 43,616$10.6M3.33%+5,058Timeline
RSPINVESCO EXCHANGE TRADED FD TQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2023Q4: restricted; 2024Q1: restricted; 2024Q2: restricted; 2024Q3: not reported; 2024Q4: not reported; 2025Q1: 36,001 shares; 2025Q2: 46,012 shares; 2025Q3: 53,055 shares 53,055$10.1M3.15%+7,043Timeline
JEPIJ P MORGAN EXCHANGE TRADED FQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2023Q4: restricted; 2024Q1: restricted; 2024Q2: restricted; 2024Q3: 142,527 shares; 2024Q4: 127,182 shares; 2025Q1: 154,475 shares; 2025Q2: 153,429 shares; 2025Q3: 162,276 shares 162,276$9.27M2.9%+8,847Timeline
EDVVANGUARD WORLD FDQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2023Q4: restricted; 2024Q1: restricted; 2024Q2: restricted; 2024Q3: not reported; 2024Q4: not reported; 2025Q1: not reported; 2025Q2: not reported; 2025Q3: 122,554 shares 122,554$8.39M2.63%newTimeline
SPYGSPDR SERIES TRUSTQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2023Q4: restricted; 2024Q1: restricted; 2024Q2: restricted; 2024Q3: 168,834 shares; 2024Q4: not reported; 2025Q1: 37,281 shares; 2025Q2: 47,319 shares; 2025Q3: 51,368 shares 51,368$5.37M1.68%+4,049Timeline
EPSWISDOMTREE TRQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2023Q4: restricted; 2024Q1: restricted; 2024Q2: restricted; 2024Q3: not reported; 2024Q4: not reported; 2025Q1: 52,368 shares; 2025Q2: 66,789 shares; 2025Q3: 76,054 shares 76,054$5.24M1.64%+9,265Timeline
RWLINVESCO EXCH TRADED FD TR IIQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2023Q4: restricted; 2024Q1: restricted; 2024Q2: restricted; 2024Q3: not reported; 2024Q4: not reported; 2025Q1: 32,224 shares; 2025Q2: 40,721 shares; 2025Q3: 47,335 shares 47,335$5.24M1.64%+6,614Timeline
SPYVSPDR SERIES TRUSTQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2023Q4: restricted; 2024Q1: restricted; 2024Q2: restricted; 2024Q3: 372,926 shares; 2024Q4: not reported; 2025Q1: 61,747 shares; 2025Q2: 78,958 shares; 2025Q3: 92,972 shares 92,972$5.14M1.61%+14,014Timeline
VGSHVANGUARD SCOTTSDALE FDSQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2023Q4: restricted; 2024Q1: restricted; 2024Q2: restricted; 2024Q3: not reported; 2024Q4: not reported; 2025Q1: not reported; 2025Q2: not reported; 2025Q3: 81,878 shares 81,878$4.82M1.51%newTimeline
IGIBISHARES TRQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2023Q4: restricted; 2024Q1: restricted; 2024Q2: restricted; 2024Q3: 82,865 shares; 2024Q4: 79,632 shares; 2025Q1: 95,635 shares; 2025Q2: 95,323 shares; 2025Q3: 75,763 shares 75,763$4.1M1.28%-19,560Timeline
SHYGISHARES TRQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2023Q4: restricted; 2024Q1: restricted; 2024Q2: restricted; 2024Q3: 223,600 shares; 2024Q4: 217,927 shares; 2025Q1: 258,984 shares; 2025Q2: 257,021 shares; 2025Q3: 94,392 shares 94,392$4.09M1.28%-162,629Timeline
VOOVANGUARD INDEX FDSQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2023Q4: restricted; 2024Q1: restricted; 2024Q2: restricted; 2024Q3: 3,297 shares; 2024Q4: 3,316 shares; 2025Q1: 3,317 shares; 2025Q2: 3,316 shares; 2025Q3: 3,350 shares 3,350$2.05M0.64%+34Timeline
IAUMISHARES GOLD TRUST MICROQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2023Q4: restricted; 2024Q1: restricted; 2024Q2: restricted; 2024Q3: not reported; 2024Q4: not reported; 2025Q1: not reported; 2025Q2: not reported; 2025Q3: 37,328 shares 37,328$1.44M0.45%newTimeline
VNQVANGUARD INDEX FDSQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2023Q4: restricted; 2024Q1: restricted; 2024Q2: restricted; 2024Q3: 16,382 shares; 2024Q4: 10,546 shares; 2025Q1: 14,594 shares; 2025Q2: 13,011 shares; 2025Q3: 12,933 shares 12,933$1.18M0.37%-78Timeline
VXUSVANGUARD STAR FDSQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2023Q4: restricted; 2024Q1: restricted; 2024Q2: restricted; 2024Q3: 15,692 shares; 2024Q4: 15,959 shares; 2025Q1: 16,007 shares; 2025Q2: 15,744 shares; 2025Q3: 15,821 shares 15,821$1.16M0.36%+77Timeline
VCITVANGUARD SCOTTSDALE FDSQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2023Q4: restricted; 2024Q1: restricted; 2024Q2: restricted; 2024Q3: not reported; 2024Q4: not reported; 2025Q1: not reported; 2025Q2: not reported; 2025Q3: 13,534 shares 13,534$1.14M0.36%newTimeline
VOEVANGUARD INDEX FDSQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2023Q4: restricted; 2024Q1: restricted; 2024Q2: restricted; 2024Q3: 5,209 shares; 2024Q4: 5,241 shares; 2025Q1: 5,276 shares; 2025Q2: 5,276 shares; 2025Q3: 5,303 shares 5,303$926K0.29%+27Timeline
IBMINTERNATIONAL BUSINESS MACHSQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2023Q4: restricted; 2024Q1: restricted; 2024Q2: restricted; 2024Q3: not reported; 2024Q4: not reported; 2025Q1: not reported; 2025Q2: not reported; 2025Q3: 2,827 shares 2,827$798K0.25%newTimeline
VONEVANGUARD SCOTTSDALE FDSQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2023Q4: restricted; 2024Q1: restricted; 2024Q2: restricted; 2024Q3: 2,444 shares; 2024Q4: 2,451 shares; 2025Q1: 2,459 shares; 2025Q2: 2,466 shares; 2025Q3: 2,473 shares 2,473$748K0.23%+7Timeline
DBMFIM GLOBAL PARTNER FUNDSQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2023Q4: restricted; 2024Q1: restricted; 2024Q2: restricted; 2024Q3: 25,049 shares; 2024Q4: 16,253 shares; 2025Q1: 22,694 shares; 2025Q2: 21,255 shares; 2025Q3: 22,562 shares 22,562$616K0.19%+1,307Timeline
NVDANVIDIA CORPORATIONQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2023Q4: restricted; 2024Q1: restricted; 2024Q2: restricted; 2024Q3: 3,489 shares; 2024Q4: 3,464 shares; 2025Q1: 3,049 shares; 2025Q2: 3,149 shares; 2025Q3: 3,287 shares 3,287$613K0.19%+138Timeline
QYLDGLOBAL X FDSQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2023Q4: restricted; 2024Q1: restricted; 2024Q2: restricted; 2024Q3: 40,518 shares; 2024Q4: 25,691 shares; 2025Q1: 35,116 shares; 2025Q2: 33,138 shares; 2025Q3: 35,619 shares 35,619$606K0.19%+2,481Timeline
VTIVANGUARD INDEX FDSQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2023Q4: restricted; 2024Q1: restricted; 2024Q2: restricted; 2024Q3: 1,819 shares; 2024Q4: 1,831 shares; 2025Q1: 1,841 shares; 2025Q2: 1,837 shares; 2025Q3: 1,843 shares 1,843$605K0.19%+6Timeline
AMLPALPS ETF TRQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2023Q4: restricted; 2024Q1: restricted; 2024Q2: restricted; 2024Q3: 15,701 shares; 2024Q4: 9,928 shares; 2025Q1: 13,114 shares; 2025Q2: 12,101 shares; 2025Q3: 12,219 shares 12,219$573K0.18%+118Timeline
VOVANGUARD INDEX FDSQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2023Q4: restricted; 2024Q1: restricted; 2024Q2: restricted; 2024Q3: 74,232 shares; 2024Q4: 73,688 shares; 2025Q1: 77,385 shares; 2025Q2: 72,922 shares; 2025Q3: 1,508 shares 1,508$443K0.14%-71,414Timeline
VBRVANGUARD INDEX FDSQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2023Q4: restricted; 2024Q1: restricted; 2024Q2: restricted; 2024Q3: 97,860 shares; 2024Q4: 97,990 shares; 2025Q1: 103,294 shares; 2025Q2: 98,339 shares; 2025Q3: 1,983 shares 1,983$414K0.13%-96,356Timeline
IBITISHARES BITCOIN TRUST ETFQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2023Q4: restricted; 2024Q1: restricted; 2024Q2: restricted; 2024Q3: not reported; 2024Q4: not reported; 2025Q1: not reported; 2025Q2: not reported; 2025Q3: 5,478 shares 5,478$356K0.11%newTimeline
SIVRABRDN SILVER ETF TRUSTQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2023Q4: restricted; 2024Q1: restricted; 2024Q2: restricted; 2024Q3: not reported; 2024Q4: not reported; 2025Q1: not reported; 2025Q2: not reported; 2025Q3: 7,542 shares 7,542$335K0.11%newTimeline
SPSMSPDR SERIES TRUSTQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2023Q4: restricted; 2024Q1: restricted; 2024Q2: restricted; 2024Q3: 430,183 shares; 2024Q4: 435,382 shares; 2025Q1: 459,649 shares; 2025Q2: 442,084 shares; 2025Q3: 6,903 shares 6,903$320K0.1%-435,181Timeline
TSLATESLA INCQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2023Q4: restricted; 2024Q1: restricted; 2024Q2: restricted; 2024Q3: not reported; 2024Q4: not reported; 2025Q1: not reported; 2025Q2: 639 shares; 2025Q3: 582 shares 582$259K0.08%-57Timeline
ETHAISHARES ETHEREUM TRQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2023Q4: restricted; 2024Q1: restricted; 2024Q2: restricted; 2024Q3: not reported; 2024Q4: not reported; 2025Q1: not reported; 2025Q2: not reported; 2025Q3: 7,198 shares 7,198$227K0.07%newTimeline
MSFTMICROSOFT CORPQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2023Q4: restricted; 2024Q1: restricted; 2024Q2: restricted; 2024Q3: 1,026 shares; 2024Q4: 1,050 shares; 2025Q1: not reported; 2025Q2: not reported; 2025Q3: 437 shares 437$226K0.07%newTimeline

Sold out in Q3 2025

Positions in the previous quarter's report that this quarter's report no longer lists.

SecurityShares beforeValue beforeType
EEMISHARES TR302,995$14.6Mshares
QQQINVESCO QQQ TR24,000$13.2Mshares
TLTISHARES TR112,012$9.89Mshares
SPHDINVESCO EXCH TRADED FD TR II155,895$7.41Mshares
SHYISHARES TR63,336$5.25Mshares
GLDSPDR GOLD TR4,103$1.25Mshares
UUPINVESCO DB US DLR INDEX TR41,400$1.11Mshares
SRLNSSGA ACTIVE ETF TR13,730$571Kshares
TXNTEXAS INSTRS INC1,015$211Kshares

How Q3 2025 was built

Available 13F filings of this filer for the quarter and their roles: the base report is the latest original or restatement, NEW HOLDINGS amendments filed after it are added (method).

FilingRoleAmendmentFiledAcceptedIngested
13F-HR 0001962532-25-000006 superseded2025-10-22acceptance time not in the bulk data set
13F-HR/A 0001962532-26-000004 basenew holdings2026-03-10acceptance time not in the bulk data set