Q2 2026 13F · SEC CIK 1672681

Retirement Capital Strategies

Wealth managerFiled 2026-08-14 for Q2 2026. Open the filing ↗ · All SEC filings ↗

Reported 13F value: $288.0M
Reported positions: 68
Top holdings a year, 3 yrs: +11.9%
Assets under management: $305.2M

Retirement Capital Strategies is a wealth manager that reported 68 positions worth $288.0M in its Q2 2026 13F, filed 2026-08-14. Its largest holdings were Vanguard Intl Equity Index F (VT, 11.9%), Vanguard Index Fds (VTI, 11.2%), Vanguard Bd Index Fds (BIV, 6.9%). A portfolio copying its top holdings returned 11.9% a year over the last 3 years, against 20.4% for the S&P 500.

Retirement Capital Strategies holdings largest 50 of 68 positions.

Weights are shares of the filer's total reported 13F value, compared with Q1 2026. Share changes may reflect splits; weight changes also reflect price moves. A 13F shows long US-listed positions only, up to 135 days after the fact.

Retirement Capital Strategies 13F holdings
Stock	% of 13F value	Q1 2026	Shares	Share change	Reported value
VTVanguard Intl Equity Index F	11.9%	11.4%	217,779	-0.1%	$34.2M
VTIVanguard Index Fds	11.2%	10.6%	86,877	-0.8%	$32.1M
BIVVanguard Bd Index Fds	6.9%	7.4%	258,454	+1.3%	$19.8M
AGGIshares Tr	6.8%	7.3%	197,004	+1.7%	$19.5M
VOOVanguard Index Fds	5.7%	5.3%	23,716	+0.1%	$16.3M
SPTMSpdr Series Trust	4.2%	4.0%	132,501	-0.4%	$12.0M
JPSTJ P Morgan Exchange Traded F	4.0%	4.3%	226,339	+1.6%	$11.4M
EFIVSpdr Series Trust	4.0%	3.7%	156,774	-0.2%	$11.4M
IUSBIshares Tr	3.5%	3.7%	219,869	+2.9%	$10.1M
BNDVanguard Bd Index Fds	3.2%	3.5%	123,684	-0.9%	$9.1M
GSYInvesco Actively Managed Exc	3.0%	3.3%	173,790	+1.2%	$8.7M
AAPLApple Inc	2.8%	2.6%	27,798	+2.0%	$8.0M
ITOTIshares Tr	2.5%	—	42,945	—	$7.1M
VVVanguard Index Fds	2.3%	—	19,055	—	$6.6M
MGCVanguard World Fd	2.1%	—	22,409	—	$6.1M
ANETArista Networks Inc	1.9%	1.5%	32,161	+0.0%	$5.5M
MMM3m Co	1.8%	1.8%	31,609	-1.2%	$5.1M
ESGVVanguard World Fd	1.5%	1.4%	32,329	+0.1%	$4.3M
SNPEDbx ETF Tr	1.2%	0.9%	50,281	+31.0%	$3.5M
VOOGVanguard Admiral Fds Inc	1.1%	—	37,686	—	$3.1M
EUSBIshares Tr	1.1%	1.2%	71,252	-0.2%	$3.1M
EAGGIshares Tr	1.1%	1.2%	64,842	-0.1%	$3.1M
GSSTGoldman Sachs ETF Tr	1.0%	1.1%	59,751	+5.8%	$3.0M
LPLALpl Finl Hldgs Inc	1.0%	1.1%	10,041	+0.0%	$2.8M
NUBDNushares ETF Tr	1.0%	1.1%	125,258	+0.1%	$2.8M
NVDANvidia Corporation	0.9%	0.9%	12,531	-4.9%	$2.5M
MSFTMicrosoft Corp	0.8%	0.9%	6,405	+0.6%	$2.4M
MTUMIshares Tr	0.6%	—	5,214	—	$1.8M
XVVIshares Tr	0.6%	0.3%	30,106	+95.7%	$1.7M
ETNEaton Corp PLC	0.6%	0.5%	3,996	+0.0%	$1.7M
CSCOCisco Sys Inc	0.6%	0.4%	14,200	+0.0%	$1.7M
GARPIshares Tr	0.6%	—	19,505	—	$1.6M
INTCIntel Corp	0.5%	0.2%	10,128	-22.0%	$1.4M
SGOVIshares Tr	0.5%	0.5%	13,908	+3.9%	$1.4M
GBILGoldman Sachs ETF Tr	0.5%	2.7%	13,576	-81.0%	$1.4M
BILSSpdr Series Trust	0.5%	2.7%	13,394	-81.1%	$1.3M
TSLATesla Inc	0.5%	0.4%	3,162	+0.0%	$1.3M
ESGUIshares Tr	0.4%	0.4%	6,973	-3.7%	$1.1M
VUGVanguard Index Fds	0.4%	—	12,874	—	$1.1M
SUSLIshares Tr	0.4%	—	8,350	—	$1.1M
BILSpdr Series Trust	0.4%	0.4%	11,949	-0.6%	$1.1M
XBILU S Treasury	0.4%	1.2%	21,568	-65.1%	$1.1M
MDYState Str Spdr S&p Midcap 40	0.4%	0.3%	1,502	+0.0%	$1.1M
TBILRbb Fd Inc	0.3%	0.5%	20,048	-31.1%	$1000K
NULCNushares ETF Tr	0.3%	—	15,839	—	$858K
SHVIshares Tr	0.3%	0.7%	7,651	-54.1%	$844K
GEVGe Vernova Inc	0.3%	0.2%	717	-0.4%	$842K
GEGe Aerospace	0.3%	0.2%	1,991	+0.0%	$744K
IVVIshares Tr	0.2%	0.2%	824	+0.0%	$617K
USFRWisdomtree Tr	0.2%	2.1%	11,161	-90.1%	$562K

What Retirement Capital Strategies bought and sold in Q2 2026, against Q1 2026.

New positions

Q1 2026's filing was too long to tell new positions apart.

Added to

XVV Ishares Tr+95.7% shares
SNPE Dbx ETF Tr+31.0% shares
GSST Goldman Sachs ETF Tr+5.8% shares

Reduced

USFR Wisdomtree Tr-90.1% shares
BILS Spdr Series Trust-81.1% shares
GBIL Goldman Sachs ETF Tr-81.0% shares
XBIL U S Treasury-65.1% shares
SHV Ishares Tr-54.1% shares
TBIL Rbb Fd Inc-31.1% shares
INTC Intel Corp-22.0% shares

Left the top 50

Share counts compared with the Q1 2026 13F; a split also changes share counts. The latest filing lists more than 50 positions, so a position that left the top 50 may still be held.

How the holdings did against the S&P 500.

1 year: +11.3% /yr; S&P 500 +20.1%
3 years: +11.9% /yr; S&P 500 +20.4%
5 years: +4.3% /yr; S&P 500 +11.6%

A portfolio of the filer's 20 largest 13F positions, weighted by value, bought the trading day after each 13F was filed and held until the next one was: what copying this filer could have earned. 13Fs show long US-listed positions only, so this is an estimate of the stock picks, not the fund's reported returns.

Reported 13F value by quarter.

13F value by quarter
Quarter	13F value	Positions
Q2 2026	$288.0M	68
Q1 2026	$264.6M	62
Q4 2025	$269.7M	68
Q3 2025	$260.7M	62
Q2 2025	$252.4M	64
Q1 2025	$256.1M	77
Q4 2024	$264.0M	77
Q3 2024	$255.5M	65
Q2 2024	$249.3M	66
Q1 2024	$244.6M	69
Q4 2023	$230.7M	70
Q3 2023	$213.5M	57

Questions about Retirement Capital Strategies's portfolio

What stocks does Retirement Capital Strategies own?

Retirement Capital Strategies's latest 13F, for Q2 2026 and filed Aug 14, 2026, lists 68 positions worth $288.0M. The largest are Vanguard Intl Equity Index F (VT) at 11.9%, Vanguard Index Fds (VTI) at 11.2%, Vanguard Bd Index Fds (BIV) at 6.9%, Ishares Tr (AGG) at 6.8% and Vanguard Index Fds (VOO) at 5.7%.

What did Retirement Capital Strategies buy last quarter?

In Q2 2026, Retirement Capital Strategies added Ishares Tr (XVV) (+95.7% shares), Dbx ETF Tr (SNPE) (+31.0% shares) and Goldman Sachs ETF Tr (GSST) (+5.8% shares), compared with its Q1 2026 filing.

What did Retirement Capital Strategies sell last quarter?

In Q2 2026, Retirement Capital Strategies cut from its top 50 Ishares Tr (ICSH), cut from its top 50 Spdr Gold Tr (GLD), cut from its top 50 Ishares Tr (TFLO), cut from its top 50 Ishares Silver Tr (SLV), cut from its top 50 U S Treasury (OBIL), Wisdomtree Tr (USFR) (-90.1% shares), Spdr Series Trust (BILS) (-81.1% shares) and Goldman Sachs ETF Tr (GBIL) (-81.0% shares), compared with its Q1 2026 filing.

How has Retirement Capital Strategies's portfolio performed?

A portfolio copying Retirement Capital Strategies's 20 largest 13F holdings each quarter, from the day each filing was public, returned +11.9% a year over the last 3 years, against +20.4% for the S&P 500. Over 1 year: +11.3% against +20.1%. Over 5 years: +4.3% a year against +11.6%.

When is Retirement Capital Strategies's next 13F filing due?

13F filings are due 45 days after each quarter ends. Retirement Capital Strategies's filing for the quarter ending Sep 30, 2026 is due by Nov 14, 2026; this page updates the day after it is published.

How much money does Retirement Capital Strategies manage?

Retirement Capital Strategies reported $305.2M of regulatory assets under management on its latest SEC Form ADV. Its 13F, which covers only US-listed stocks and options, totals $288.0M.