Skip to content
Disclosery

RETIREMENT FINANCIAL SOLUTIONS, LLC

Follow

13F filer, CIK 1962532, KNOXVILLE, TN

RETIREMENT FINANCIAL SOLUTIONS, LLC reported $341,611,029 across 47 holdings for the quarter ended 2025-12-31, in a 13F-HR filed 2026-02-13. Its ten largest share positions make up 61.41% of the portfolio.

Filed (acceptance time not in the bulk data set), ingested 13F-HR 0001962532-26-000001

Period
2025-12-31
Reported value
$342M
Holdings
47
Top 10 weight
61.41%
New
8
Sold out
6

Largest buys vs the previous quarter

SecurityShares changeApprox. value
AVUSnew+333,192$37.2M
AVEMnew+143,070$11M
RSPAnew+183,163$9.33M
VGLTadded+82,116$4.58M
IEFadded+24,789$2.38M

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
SPYMreduced-241,075-$19.3M
COWZexited-242,741-$14M
HEDJreduced-215,544-$11.4M
JEPIreduced-158,397-$9.07M
EDVreduced-55,588-$3.61M

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, Q4 2025

Share positions as resolved from 13F-HR 0001962532-26-000001, largest first. % of portfolio is the value over $341,611,029, the sum of the share positions whose value is usable for ratios (method).

SecurityHistorySharesValue% of portfolioChangeLatest eventTimeline
AVUSAMERICAN CENTY ETF TRQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2024Q1: restricted; 2024Q2: restricted; 2024Q3: not reported; 2024Q4: not reported; 2025Q1: not reported; 2025Q2: not reported; 2025Q3: not reported; 2025Q4: 333,192 shares 333,192$37.2M10.9%newTimeline
AVSCAMERICAN CENTY ETF TRQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2024Q1: restricted; 2024Q2: restricted; 2024Q3: not reported; 2024Q4: not reported; 2025Q1: not reported; 2025Q2: not reported; 2025Q3: 371,434 shares; 2025Q4: 369,883 shares 369,883$21.7M6.36%-1,551Timeline
AVUVAMERICAN CENTY ETF TRQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2024Q1: restricted; 2024Q2: restricted; 2024Q3: not reported; 2024Q4: not reported; 2025Q1: not reported; 2025Q2: not reported; 2025Q3: 210,977 shares; 2025Q4: 213,024 shares 213,024$21.7M6.36%+2,047Timeline
SPYMSPDR SERIES TRUSTQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2024Q1: restricted; 2024Q2: restricted; 2024Q3: 300,655 shares; 2024Q4: 280,258 shares; 2025Q1: 466,141 shares; 2025Q2: 501,657 shares; 2025Q3: 510,926 shares; 2025Q4: 269,851 shares 269,851$21.6M6.34%-241,075Timeline
SPMDSPDR SERIES TRUSTQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2024Q1: restricted; 2024Q2: restricted; 2024Q3: not reported; 2024Q4: not reported; 2025Q1: not reported; 2025Q2: not reported; 2025Q3: 372,319 shares; 2025Q4: 371,967 shares 371,967$21.5M6.31%-352Timeline
VGLTVANGUARD SCOTTSDALE FDSQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2024Q1: restricted; 2024Q2: restricted; 2024Q3: not reported; 2024Q4: not reported; 2025Q1: not reported; 2025Q2: not reported; 2025Q3: 233,325 shares; 2025Q4: 315,441 shares 315,441$17.6M5.15%+82,116Timeline
QQQMINVESCO EXCH TRADED FD TR IIQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2024Q1: restricted; 2024Q2: restricted; 2024Q3: 98,941 shares; 2024Q4: 74,008 shares; 2025Q1: 76,736 shares; 2025Q2: 72,022 shares; 2025Q3: 64,790 shares; 2025Q4: 69,361 shares 69,361$17.5M5.14%+4,571Timeline
IEFISHARES TRQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2024Q1: restricted; 2024Q2: restricted; 2024Q3: 155,947 shares; 2024Q4: 152,983 shares; 2025Q1: 182,963 shares; 2025Q2: 181,990 shares; 2025Q3: 155,735 shares; 2025Q4: 180,524 shares 180,524$17.4M5.08%+24,789Timeline
DIASTATE STR SPDR DOW JONES INDQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2024Q1: restricted; 2024Q2: restricted; 2024Q3: not reported; 2024Q4: not reported; 2025Q1: 22,119 shares; 2025Q2: 28,314 shares; 2025Q3: 32,734 shares; 2025Q4: 35,418 shares 35,418$17M4.98%+2,684Timeline
QQQJINVESCO EXCH TRADED FD TR IIQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2024Q1: restricted; 2024Q2: restricted; 2024Q3: not reported; 2024Q4: not reported; 2025Q1: not reported; 2025Q2: not reported; 2025Q3: 447,691 shares; 2025Q4: 443,924 shares 443,924$16.4M4.79%-3,767Timeline
VWOVANGUARD INTL EQUITY INDEX FQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2024Q1: restricted; 2024Q2: restricted; 2024Q3: not reported; 2024Q4: not reported; 2025Q1: not reported; 2025Q2: not reported; 2025Q3: 291,772 shares; 2025Q4: 292,875 shares 292,875$15.7M4.61%+1,103Timeline
SCHDSCHWAB STRATEGIC TRQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2024Q1: restricted; 2024Q2: restricted; 2024Q3: not reported; 2024Q4: not reported; 2025Q1: not reported; 2025Q2: not reported; 2025Q3: 445,583 shares; 2025Q4: 487,419 shares 487,419$13.4M3.91%+41,836Timeline
MGCVANGUARD WORLD FDQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2024Q1: restricted; 2024Q2: restricted; 2024Q3: not reported; 2024Q4: not reported; 2025Q1: 30,282 shares; 2025Q2: 38,558 shares; 2025Q3: 43,616 shares; 2025Q4: 46,081 shares 46,081$11.6M3.39%+2,465Timeline
RSPINVESCO EXCHANGE TRADED FD TQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2024Q1: restricted; 2024Q2: restricted; 2024Q3: not reported; 2024Q4: not reported; 2025Q1: 36,001 shares; 2025Q2: 46,012 shares; 2025Q3: 53,055 shares; 2025Q4: 58,219 shares 58,219$11.2M3.26%+5,164Timeline
AVEMAMERICAN CENTY ETF TRQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2024Q1: restricted; 2024Q2: restricted; 2024Q3: not reported; 2024Q4: not reported; 2025Q1: not reported; 2025Q2: not reported; 2025Q3: not reported; 2025Q4: 143,070 shares 143,070$11M3.23%newTimeline
RSPAINVESCO ACTIVELY MANAGED EXCQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2024Q1: restricted; 2024Q2: restricted; 2024Q3: not reported; 2024Q4: not reported; 2025Q1: not reported; 2025Q2: not reported; 2025Q3: not reported; 2025Q4: 183,163 shares 183,163$9.33M2.73%newTimeline
SPYGSPDR SERIES TRUSTQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2024Q1: restricted; 2024Q2: restricted; 2024Q3: 168,834 shares; 2024Q4: not reported; 2025Q1: 37,281 shares; 2025Q2: 47,319 shares; 2025Q3: 51,368 shares; 2025Q4: 54,761 shares 54,761$5.84M1.71%+3,393Timeline
RWLINVESCO EXCH TRADED FD TR IIQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2024Q1: restricted; 2024Q2: restricted; 2024Q3: not reported; 2024Q4: not reported; 2025Q1: 32,224 shares; 2025Q2: 40,721 shares; 2025Q3: 47,335 shares; 2025Q4: 50,751 shares 50,751$5.81M1.7%+3,416Timeline
VGSHVANGUARD SCOTTSDALE FDSQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2024Q1: restricted; 2024Q2: restricted; 2024Q3: not reported; 2024Q4: not reported; 2025Q1: not reported; 2025Q2: not reported; 2025Q3: 81,878 shares; 2025Q4: 98,877 shares 98,877$5.81M1.7%+16,999Timeline
EPSWISDOMTREE TRQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2024Q1: restricted; 2024Q2: restricted; 2024Q3: not reported; 2024Q4: not reported; 2025Q1: 52,368 shares; 2025Q2: 66,789 shares; 2025Q3: 76,054 shares; 2025Q4: 81,652 shares 81,652$5.79M1.69%+5,598Timeline
SPYVSPDR SERIES TRUSTQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2024Q1: restricted; 2024Q2: restricted; 2024Q3: 372,926 shares; 2024Q4: not reported; 2025Q1: 61,747 shares; 2025Q2: 78,958 shares; 2025Q3: 92,972 shares; 2025Q4: 100,524 shares 100,524$5.71M1.67%+7,552Timeline
SHYGISHARES TRQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2024Q1: restricted; 2024Q2: restricted; 2024Q3: 223,600 shares; 2024Q4: 217,927 shares; 2025Q1: 258,984 shares; 2025Q2: 257,021 shares; 2025Q3: 94,392 shares; 2025Q4: 103,238 shares 103,238$4.43M1.3%+8,846Timeline
IGIBISHARES TRQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2024Q1: restricted; 2024Q2: restricted; 2024Q3: 82,865 shares; 2024Q4: 79,632 shares; 2025Q1: 95,635 shares; 2025Q2: 95,323 shares; 2025Q3: 75,763 shares; 2025Q4: 81,462 shares 81,462$4.39M1.28%+5,699Timeline
EDVVANGUARD WORLD FDQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2024Q1: restricted; 2024Q2: restricted; 2024Q3: not reported; 2024Q4: not reported; 2025Q1: not reported; 2025Q2: not reported; 2025Q3: 122,554 shares; 2025Q4: 66,966 shares 66,966$4.35M1.27%-55,588Timeline
VOOVANGUARD INDEX FDSQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2024Q1: restricted; 2024Q2: restricted; 2024Q3: 3,297 shares; 2024Q4: 3,316 shares; 2025Q1: 3,317 shares; 2025Q2: 3,316 shares; 2025Q3: 3,350 shares; 2025Q4: 3,343 shares 3,343$2.1M0.61%-7Timeline
VNQVANGUARD INDEX FDSQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2024Q1: restricted; 2024Q2: restricted; 2024Q3: 16,382 shares; 2024Q4: 10,546 shares; 2025Q1: 14,594 shares; 2025Q2: 13,011 shares; 2025Q3: 12,933 shares; 2025Q4: 16,940 shares 16,940$1.5M0.44%+4,007Timeline
VCITVANGUARD SCOTTSDALE FDSQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2024Q1: restricted; 2024Q2: restricted; 2024Q3: not reported; 2024Q4: not reported; 2025Q1: not reported; 2025Q2: not reported; 2025Q3: 13,534 shares; 2025Q4: 16,044 shares 16,044$1.34M0.39%+2,510Timeline
IAUMISHARES GOLD TRUST MICROQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2024Q1: restricted; 2024Q2: restricted; 2024Q3: not reported; 2024Q4: not reported; 2025Q1: not reported; 2025Q2: not reported; 2025Q3: 37,328 shares; 2025Q4: 30,260 shares 30,260$1.3M0.38%-7,068Timeline
VXUSVANGUARD STAR FDSQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2024Q1: restricted; 2024Q2: restricted; 2024Q3: 15,692 shares; 2024Q4: 15,959 shares; 2025Q1: 16,007 shares; 2025Q2: 15,744 shares; 2025Q3: 15,821 shares; 2025Q4: 16,108 shares 16,108$1.22M0.36%+287Timeline
BTCGRAYSCALE BITCOIN MINI TR ETQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2024Q1: restricted; 2024Q2: restricted; 2024Q3: not reported; 2024Q4: not reported; 2025Q1: not reported; 2025Q2: not reported; 2025Q3: not reported; 2025Q4: 28,417 shares 28,417$1.1M0.32%newTimeline
VOEVANGUARD INDEX FDSQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2024Q1: restricted; 2024Q2: restricted; 2024Q3: 5,209 shares; 2024Q4: 5,241 shares; 2025Q1: 5,276 shares; 2025Q2: 5,276 shares; 2025Q3: 5,303 shares; 2025Q4: 5,358 shares 5,358$950K0.28%+55Timeline
VONEVANGUARD SCOTTSDALE FDSQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2024Q1: restricted; 2024Q2: restricted; 2024Q3: 2,444 shares; 2024Q4: 2,451 shares; 2025Q1: 2,459 shares; 2025Q2: 2,466 shares; 2025Q3: 2,473 shares; 2025Q4: 2,480 shares 2,480$766K0.22%+7Timeline
BPREBLUEROCK PVT REAL ESTATE FDQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2024Q1: restricted; 2024Q2: restricted; 2024Q3: not reported; 2024Q4: not reported; 2025Q1: not reported; 2025Q2: not reported; 2025Q3: not reported; 2025Q4: 50,291 shares 50,291$754K0.22%newTimeline
ETHGRAYSCALE ETHEREUM STAKINGQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2024Q1: restricted; 2024Q2: restricted; 2024Q3: not reported; 2024Q4: not reported; 2025Q1: not reported; 2025Q2: not reported; 2025Q3: not reported; 2025Q4: 26,729 shares 26,729$750K0.22%newTimeline
AMLPALPS ETF TRQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2024Q1: restricted; 2024Q2: restricted; 2024Q3: 15,701 shares; 2024Q4: 9,928 shares; 2025Q1: 13,114 shares; 2025Q2: 12,101 shares; 2025Q3: 12,219 shares; 2025Q4: 15,842 shares 15,842$745K0.22%+3,623Timeline
DBMFIM GLOBAL PARTNER FUNDSQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2024Q1: restricted; 2024Q2: restricted; 2024Q3: 25,049 shares; 2024Q4: 16,253 shares; 2025Q1: 22,694 shares; 2025Q2: 21,255 shares; 2025Q3: 22,562 shares; 2025Q4: 26,136 shares 26,136$733K0.21%+3,574Timeline
VTIVANGUARD INDEX FDSQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2024Q1: restricted; 2024Q2: restricted; 2024Q3: 1,819 shares; 2024Q4: 1,831 shares; 2025Q1: 1,841 shares; 2025Q2: 1,837 shares; 2025Q3: 1,843 shares; 2025Q4: 1,853 shares 1,853$621K0.18%+10Timeline
NVDANVIDIA CORPORATIONQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2024Q1: restricted; 2024Q2: restricted; 2024Q3: 3,489 shares; 2024Q4: 3,464 shares; 2025Q1: 3,049 shares; 2025Q2: 3,149 shares; 2025Q3: 3,287 shares; 2025Q4: 3,157 shares 3,157$589K0.17%-130Timeline
VOVANGUARD INDEX FDSQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2024Q1: restricted; 2024Q2: restricted; 2024Q3: 74,232 shares; 2024Q4: 73,688 shares; 2025Q1: 77,385 shares; 2025Q2: 72,922 shares; 2025Q3: 1,508 shares; 2025Q4: 1,519 shares 1,519$441K0.13%+11Timeline
SIVRABRDN SILVER ETF TRUSTQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2024Q1: restricted; 2024Q2: restricted; 2024Q3: not reported; 2024Q4: not reported; 2025Q1: not reported; 2025Q2: not reported; 2025Q3: 7,542 shares; 2025Q4: 6,460 shares 6,460$437K0.13%-1,082Timeline
VBRVANGUARD INDEX FDSQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2024Q1: restricted; 2024Q2: restricted; 2024Q3: 97,860 shares; 2024Q4: 97,990 shares; 2025Q1: 103,294 shares; 2025Q2: 98,339 shares; 2025Q3: 1,983 shares; 2025Q4: 2,002 shares 2,002$424K0.12%+19Timeline
QQAINVESCO ACTIVELY MANAGED EXCQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2024Q1: restricted; 2024Q2: restricted; 2024Q3: not reported; 2024Q4: not reported; 2025Q1: not reported; 2025Q2: not reported; 2025Q3: not reported; 2025Q4: 7,128 shares 7,128$378K0.11%newTimeline
BCIABRDN ETFSQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2024Q1: restricted; 2024Q2: restricted; 2024Q3: not reported; 2024Q4: not reported; 2025Q1: not reported; 2025Q2: not reported; 2025Q3: not reported; 2025Q4: 17,363 shares 17,363$339K0.1%newTimeline
SPSMSPDR SERIES TRUSTQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2024Q1: restricted; 2024Q2: restricted; 2024Q3: 430,183 shares; 2024Q4: 435,382 shares; 2025Q1: 459,649 shares; 2025Q2: 442,084 shares; 2025Q3: 6,903 shares; 2025Q4: 6,937 shares 6,937$325K0.1%+34Timeline
TSLATESLA INCQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2024Q1: restricted; 2024Q2: restricted; 2024Q3: not reported; 2024Q4: not reported; 2025Q1: not reported; 2025Q2: 639 shares; 2025Q3: 582 shares; 2025Q4: 582 shares 582$262K0.08%0Timeline
HEDJWISDOMTREE TRQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2024Q1: restricted; 2024Q2: restricted; 2024Q3: 136,655 shares; 2024Q4: 224,288 shares; 2025Q1: 231,515 shares; 2025Q2: 215,763 shares; 2025Q3: 219,907 shares; 2025Q4: 4,363 shares 4,363$231K0.07%-215,544Timeline
JEPIJ P MORGAN EXCHANGE TRADED FQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2024Q1: restricted; 2024Q2: restricted; 2024Q3: 142,527 shares; 2024Q4: 127,182 shares; 2025Q1: 154,475 shares; 2025Q2: 153,429 shares; 2025Q3: 162,276 shares; 2025Q4: 3,879 shares 3,879$222K0.07%-158,397Timeline

Sold out in Q4 2025

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

SecurityShares beforeValue beforeType
COWZPACER FDS TR242,741$14Mshares
IBMINTERNATIONAL BUSINESS MACHS2,827$798Kshares
QYLDGLOBAL X FDS35,619$606Kshares
IBITISHARES BITCOIN TRUST ETF5,478$356Kshares
ETHAISHARES ETHEREUM TR7,198$227Kshares
MSFTMICROSOFT CORP437$226Kshares

How Q4 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 0001962532-26-000001 base2026-02-13acceptance time not in the bulk data set