Retirement Financial Solutions, LLC
- SEC CIK
- 0001962532
- Latest filing
- Jul 30, 2026
The latest 13F from Retirement Financial Solutions, LLC covers Q2 2026 (filed Jul 30, 2026): 53 long positions worth $406.8M. The top 10 holdings make up 59.1% of the portfolio, and the largest is American Centy ETF Tr at 11.1%. Livermore has 18 filings on Form 13F from this institution, going back to Q4 2022.
What changed in Q2 2026
Share counts compared with Q1 2026: how many positions were new, added to, reduced or sold out, and the biggest buys and sells. Dollar amounts are estimated at the quarter-end prices implied by the filing.
- New
- 4
- Est. +$2.63M
- Added
- 40
- Est. +$38.7M
- Reduced
- 7
- Est. −$10.6M
- Sold out
- 4
- Est. −$11.7M
Top 5 holdings
Share of this quarter's portfolio value
- American Centy ETF Tr02507288511.1%$45.2M
- American Centy ETF Tr0250723237.1%$28.7M
- American Centy ETF Tr0250728776.9%$27.9M
- State Street SPDR Portfolio S&P 500 ETF78464A8546.1%$24.8M
- American Centy ETF Tr0250726045.9%$24.0M
Biggest buys
New and added positions, by estimated amount bought
- American Centy ETF Tr025072604+$10.0MAdded
- Vanguard World FD921910709+$9.93MAdded
- Vanguard Long-Term Treasury ETF92206C847+$2.68MAdded
- American Centy ETF Tr025072885+$2.20MAdded
- Uscf ETF Tr90290T809+$1.93MNew
Largest weight increases
New and added positions, by percentage points of the portfolio gained
- American Centy ETF Tr025072604+2.56 pp3.3% → 5.9%
- Vanguard World FD921910709+2.27 pp1.3% → 3.5%
- Invesco Exch Traded FD Tr II46138G631+0.57 pp4.7% → 5.3%
- Uscf ETF Tr90290T809+0.47 pp0.0% → 0.5%
- American Centy ETF Tr025072885+0.44 pp10.7% → 11.1%
Biggest sells
Reduced and sold-out positions, by estimated amount sold
Largest weight decreases
Reduced and sold-out positions, by percentage points of the portfolio lost
Metrics
13F metrics for Q2 2026, computed only from the numbers in the filings. Definitions below.
- Portfolio value
- $406.8M
- +$57.0M (+16.3%) vs. prior quarter
- Positions
- 53
- 0 vs. prior quarter
- Top 10 concentration
- 59.1%
- Top 10 as share of value
- Turnover
- 5.9%
- Q2 2026, one quarter
- Average holding period
- 4.7 quarters
- Weighted by value
How these are calculated
- Portfolio value: the market value of all long positions in the 13F, as reported at quarter end, excluding options.
- Top 10 concentration: the combined value of the 10 largest positions as a share of portfolio value.
- Turnover: the smaller of this quarter's estimated purchases and estimated sales, divided by the average of this and last quarter's portfolio value. Estimates multiply the change in shares by the quarter-end price implied by the filing (market value divided by shares); new positions use this quarter's value and sold-out positions last quarter's. Only positions reported in shares count, and it is not calculated when the previous quarter was not filed.
- Average holding period: how many consecutive quarters each current position has been held (including this one; a quarter without the position or without a filing starts the count over), weighted by this quarter's value. Counting starts with the first 13F in Livermore (Q4 2022), so positions held before then are understated.
13F filings by quarter
15 quarters, going back to Q4 2022. Bars show each quarter's 13F portfolio value; quarters without a filing are left blank.
Peak $483.2M (Q3 2025)
| Quarter | Filed | Positions | Value | Top 3 holdings | Changes | Filing |
|---|---|---|---|---|---|---|
| Q2 2026 | Jul 30, 2026 | 53 | $406.8M | American Centy ETF TrAmerican Centy ETF TrAmerican Centy ETF Tr | vs. Q1 2026 | SEC |
| Q1 2026 | Apr 28, 2026 | 53 | $349.8M | American Centy ETF TrAmerican Centy ETF TrAmerican Centy ETF Tr | vs. Q4 2025 | SEC |
| Q4 2025 | Feb 13, 2026 | 47 | $341.6M | American Centy ETF TrAmerican Centy ETF TrAmerican Centy ETF Tr | vs. Q3 2025 | SEC |
| Q3 2025 | Mar 10, 2026Amended | 55 | $483.2M | State Street SPDR Portfolio S&P 500 ETFState Street SPDR Portfolio S&P 400 Mid Cap ETFAmerican Centy ETF Tr | vs. Q2 2025 | SECSEC |
| Q2 2025 | Mar 10, 2026Amended | 38 | $284.1M | State Street SPDR Portfolio S&P 500 ETFVanguard Morningstar Mid-Cap ETFVanguard Morningstar Small-Cap Value ETF | vs. Q1 2025 | SEC |
| Q1 2025 | Mar 10, 2026Amended | 37 | $256.9M | State Street SPDR Portfolio S&P 500 ETFVanguard Morningstar Mid-Cap ETFVanguard Morningstar Small-Cap Value ETF | vs. Q4 2024 | SEC |
| Q4 2024 | Jan 31, 2025 | 37 | $185.5M | State Street SPDR Portfolio S&P 600 Small Cap ETFVanguard Morningstar Mid-Cap ETFVanguard Morningstar Small-Cap Value ETF | vs. Q3 2024 | SEC |
| Q3 2024 | Oct 29, 2024 | 40 | $228.4M | State Street SPDR Portfolio S&P 500 ETFInvesco Nasdaq 100 ETFState Street SPDR Portfolio S&P 500 Value ETF | vs. Q2 2024 | SEC |
| Q2 2024 | Aug 5, 2024 | 40 | $212.5M | State Street SPDR Portfolio S&P 500 ETFInvesco Nasdaq 100 ETFState Street SPDR Portfolio S&P 500 Value ETF | vs. Q1 2024 | SEC |
| Q1 2024 | May 10, 2024 | 40 | $194.5M | State Street SPDR Portfolio S&P 500 ETFState Street SPDR Portfolio S&P 500 Value ETFVanguard Morningstar Small-Cap Value ETF | vs. Q4 2023 | SEC |
| Q4 2023 | Jan 18, 2024 | 47 | $176.5M | State Street SPDR Portfolio S&P 500 ETFState Street SPDR Portfolio S&P 600 Small Cap ETFState Street SPDR Portfolio S&P 500 Value ETF | vs. Q3 2023 | SEC |
| Q3 2023 | Oct 20, 2023 | 38 | $148.3M | SPYiShares TriShares Tr | vs. Q2 2023 | SEC |
| Q2 2023 | Jul 18, 2023 | 34 | $145.6M | SPYiShares TriShares Tr | vs. Q1 2023 | SEC |
| Q1 2023 | Apr 26, 2023 | 31 | $125.8M | SPYiShares TriShares Tr | vs. Q4 2022 | SEC |
| Q4 2022 | Jan 18, 2023 | 277 | $117.7M | SPYiShares TriShares Tr | – | SEC |