RETIREMENT FINANCIAL SOLUTIONS, LLC

CIK 0001962532 · Q1 2026

13F Equity AUM

$349.8M

+2.4% QoQ

Positions

+6 QoQ

AUM Rank

#5,386

Top 43%

Skill Alpha (FF)

-4.7%/yr^ns

No Clear Edge

Rank #7,300 · Top 89%

vs S&P -12.4%/yr (unadj.)

Quarters Tracked

~3 years

Portfolio Concentration

Top 5: 35.2%Top 10: 55.5%Top 20: 85.5%

AVUS10.7%

AVUV6.8%

AVSC6.7%

SPYM6.0%

VGLT5.0%

QQQJ4.7%

VWO4.6%

SCHD4.1%

IEF3.4%

AVEM3.3%

Others (43)44.5%

HHI (Herfindahl-Hirschman Index) measures portfolio concentration. Low (<1500) = diversified, Moderate (1500-2500), High (>2500) = concentrated bets.

Sector Allocation

Financial Services96.0%

Fund3.4%

Other0.5%

Portfolio weight by GICS sector based on latest 13F filing. Sectors below 2% are grouped as “Other.”

Position Sizing

Positions: 53Median: 0.55%Avg: 1.89%

0–0.5%

26(4.5%)

0.5–1%

1(0.6%)

1–3%

8(13.9%)

3–5%

13(45.9%)

5%+

5(35.2%)

Count of positions per weight bucket — (%) = combined portfolio weight

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Portfolio Overlap

Shared: 53Unique: 0vs 20 funds

0.7%Low

Fund positions

7,299

Consensus CUSIPs

Jaccard similarity of this fund’s portfolio vs the consensus of top 20 funds by AUM. Low (<15%) = contrarian, Moderate (15-40%), High (>40%) = follows the crowd.

Most Similar Funds

Top 9 benchmark funds with highest portfolio overlap (Jaccard similarity)

MORGAN STANLEY

BANK OF AMERICA CORP /DE/

1.3%

0.7%

0.3%

VANGUARD CAPITAL MANAGEMENT LLC

0.2%

GEODE CAPITAL MANAGEMENT, LLC

0.2%

VANGUARD PORTFOLIO MANAGEMENT LLC

0.2%

Jaccard similarity per fund: shared CUSIPs / (fund A + fund B − shared). Higher values indicate more similar portfolios.

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Position Changes This Quarter

New9Increased27Decreased15Exited3

New Positions

MOO3.3%

+137K

GRNY3.2%

+472K

VEU3.1%

+143K

SCHP1.7%

+225K

IBM0.1%

+1K

XOM0.1%

+2K

TXN0.1%

+1K

BP0.1%

+5K

BOXX0.1%

+2K

Increased

BCI3.1%

+431K(+2485%)

QQQJ4.7%

+12K(+3%)

ETH0.2%

+10K(+38%)

VWO4.6%

+7K(+2%)

BTC0.3%

+7K(+25%)

AVSC6.7%

+7K(+2%)

SPYM6.0%

+5K(+2%)

RSPA2.7%

+4K(+2%)

VGLT5.0%

+3K(+1%)

AVUS10.7%

+3K(+1%)

Decreased

SPMD3.3%

-179,006(-48%)

IEF3.4%

-55,393(-31%)

QQQM1.8%

-43,029(-62%)

SCHD4.1%

-16,944(-3%)

DON3.2%

-11,312(-32%)

VGSH1.5%

-7,631(-8%)

VCIT0.2%

-6,621(-41%)

IAUM0.4%

-2,510(-8%)

AMLP0.2%

-1,754(-11%)

DBMF0.2%

-1,008(-4%)

Exited

EPS

-81,652

SHYG

-103,238

IGIB

-81,462

Quarter-over-quarter changes compared to prior 13F filing. New = first appearance; Exited = no longer held.

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Holdings

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