RETIREMENT CAPITAL STRATEGIES

CIK 0001672681 · Q1 2026

13F Equity AUM

$264.6M

-1.9% QoQ

Positions

-6 QoQ

AUM Rank

#6,331

Top 51%

Skill Alpha (FF)

-1.7%/yr^ns

No Clear Edge

Rank #4,787 · Top 58%

vs S&P -9.1%/yr (unadj.)

Quarters Tracked

~12 years

Portfolio Concentration

Top 5: 42.1%Top 10: 61.3%Top 20: 81.7%

VT11.4%

VTI10.6%

BIV7.5%

AGG7.3%

VOO5.3%

JPST4.3%

SPTM4.0%

EFIV3.8%

IUSB3.7%

BND3.5%

Others (52)38.7%

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

Sector Allocation

Financial Services89.9%

Technology6.5%

Industrials2.5%

Other1.1%

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

Position Sizing

Positions: 62Median: 0.64%Avg: 1.61%

0–0.5%

27(5.4%)

0.5–1%

10(7.2%)

1–3%

14(22.8%)

3–5%

6(22.4%)

5%+

5(42.1%)

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

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Portfolio Overlap

Shared: 62Unique: 0vs 20 funds

0.8%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

1.1%

BANK OF AMERICA CORP /DE/

1.2%

1.2%

1.4%

0.7%

VANGUARD CAPITAL MANAGEMENT LLC

0.5%

VANGUARD PORTFOLIO MANAGEMENT LLC

0.6%

GEODE CAPITAL MANAGEMENT, LLC

0.5%

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

New5Increased20Decreased16Exited11

New Positions

JPST4.3%

+223K

GSY3.3%

+172K

ICSH1.3%

+67K

TAN0.1%

+4K

GOOGL0.1%

+704

Increased

USFR2.1%

+61K(+119%)

GSST1.1%

+48K(+599%)

TFLO0.8%

+16K(+59%)

BIV7.5%

+12K(+5%)

IUSB3.7%

+12K(+6%)

SHV0.7%

+8K(+93%)

GBIL2.7%

+8K(+12%)

AGG7.3%

+8K(+4%)

BILS2.7%

+8K(+12%)

NUBD1.1%

+4K(+3%)

Decreased

SLV0.6%

-72,928(-77%)

OBIL0.2%

-9,767(-45%)

GQ90.9%

-9,373(-62%)

TBIL0.6%

-9,043(-24%)

XBIL1.2%

-4,645(-7%)

EFIV3.8%

-1,737(-1%)

SPTM4.0%

-1,612(-1%)

ICLN0.1%

-941(-5%)

BIL0.4%

-655(-5%)

SGOV0.5%

-596(-4%)

Exited

-61,052

-250,812

-35,404

-36,922

-52,448

-10,839

-19,561

-41,460

-35,429

-6,828

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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