RCS Financial Planning, LLC

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CIK 1963347

13F portfolio (2026-Q1)

$193M

Positions

Implied 1Y CAGR

modeled · as filed

Long positions in SEC Section 13(f) securities (US-listed stocks, ADRs and ETFs), largest first · Δ vs 2025-Q4. A lagged quarterly snapshot (filed ≤45 days after quarter-end); excludes shorts, options, cash, and shares listed only on non-US exchanges — foreign companies held via a US listing or ADR (e.g. Alibaba, TSMC) ARE included.

Implied return what this book implies · modeled, not advice methodology →

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As filed = each book applied at its quarter-end (what the reported book did) · As copyable = applied at its statutory 45-day filing deadline (what a 13F follower could have earned).

Computing…

Hypothetical modeled performance constructed with hindsight — not actual results, and not indicative of future results. See the Disclaimer.

Exposures · what this manager owns, by sector & size (2026-Q1)

Holdings

Top 5

42.5%

Top 10

60.0%

Effective N

19.8

HHI

0.050

This quarter

21 new · 0 exit →

By sector

Unclassified96.2%

Information Technology3.3%

Industrials0.3%

Materials0.1%

Energy0.1%

By market cap

Unknown96.2%

Mega (>$200B)2.0%

Large ($10–200B)1.9%

By region

Other96.2%

North America3.8%

By industry group GICS — finer than sector

Industry group	Weight	Names
Unclassified	96.16%	93
Technology Hardware & Equipment	1.73%	1
Software	1.59%	1
Road & Rail	0.28%	1
Chemicals	0.14%	1
Oil, Gas & Consumable Fuels	0.11%	1

Top holdings

#	Ticker	Name	Sector	Weight
1	DFAC	DIMENSIONAL ETF TRUST	Unclassified	13.77%
2	DFCF	DIMENSIONAL ETF TRUST	Unclassified	9.03%
3	FBND	FIDELITY TOTAL BOND ETF	Unclassified	8.75%
4	DFIC	DIMENSIONAL ETF TRUST	Unclassified	5.60%
5	DFSV	DIMENSIONAL ETF TRUST	Unclassified	5.38%
6	DUHP	DIMENSIONAL ETF TRUST	Unclassified	4.93%
7	DFSD	DIMENSIONAL ETF TRUST	Unclassified	4.04%
8	FLDR	FIDELITY MERRIMACK STR TR	Unclassified	3.20%
9	DFEM	DIMENSIONAL ETF TRUST	Unclassified	2.90%
10	VTEB	VANGUARD MUN BD FDS	Unclassified	2.43%

5/98 names classified · sector 3.8% of weight · industry 3.8% · mkt cap 3.8%; unclassified names shown, never dropped.

Sector allocation over time · how the GICS mix & top names shifted quarter by quarter

top 5/sector, rest → “Other” · 14 quarters

Information TechnologyAAPL, CRWD, MSFT, NVDA

Financials

IndustrialsCSX, HON

Materials

Energy

Utilities

UnclassifiedDFAC, DFCF, DFSD, IVV, FBND · other

Sector is classified on each name's CURRENT fundamentals, not point-in-time — apparent sector drift can reflect the market re-rating a holding, not a manager trade. 13F is a lagged quarterly snapshot of long positions in US-listed securities only — foreign companies held via a US listing or ADR ARE included, but shares listed only on non-US exchanges (plus shorts, options and cash) are not. Latest quarter: 3.8% of the book is sector-classified (unclassified names shown, never dropped).

Style box · size × value-growth placement of the reported book (2026-Q1), classified on current fundamentals (not point-in-time) — load it into PORT to overlay your own portfolio

Only 2% of book weight classified — the grid is NOT representative of the whole book.

holdings, colored by sector (4 classified)RCS Financial Planning, LLC centroid (Large Core)

Information TechnologyIndustrialsMaterialsEnergy

Style box summary for RCS Financial Planning, LLC: centroid Large Core. Heaviest cells: Large Growth 1.7%, Large Core 0.3%, Large Value 0.2%.

Classified: 2.3% of book weight (4/98 names) · unclassified 97.7%: DFAC, DFCF, FBND, DFIC, DFSV, DUHP, DFSD, FLDR, DFEM, VTEB +84 more. Size: cap 70/20/10 bands; style: value/growth composite on our own metrics — not Morningstar's model.

Contribution holdings-based, any period

No contribution data for this period.

Holdings· 98 positions (2026-Q1) · largest first · Δ vs 2025-Q4

#	Security	Shares	Value	Weight	Δ QoQ
1	DFACDIMENSIONAL ETF TRUST	682,997	$27M	13.8%	TRIM −3%
2	DFCFDIMENSIONAL ETF TRUST	412,228	$17M	9.0%	ADD 2%
3	FBNDFIDELITY TOTAL BOND ETF	368,095	$17M	8.7%	ADD 4%
4	DFICDIMENSIONAL ETF TRUST	303,850	$11M	5.6%	TRIM −2%
5	DFSVDIMENSIONAL ETF TRUST	296,092	$10M	5.4%	HOLD
6	DUHPDIMENSIONAL ETF TRUST	258,740	$10M	4.9%	TRIM −3%
7	DFSDDIMENSIONAL ETF TRUST	162,515	$8M	4.0%	ADD 2%
8	FLDRFIDELITY MERRIMACK STR TR	122,905	$6M	3.2%	HOLD
9	DFEMDIMENSIONAL ETF TRUST	161,993	$6M	2.9%	HOLD
10	VTEBVANGUARD MUN BD FDS	94,040	$5M	2.4%	TRIM −4%
11	VUGVANGUARD INDEX FDS	7,870	$3M	1.8%	HOLD
12	AAPLAPPLE INC	13,129	$3M	1.7%	TRIM −12%
13	CRWDCROWDSTRIKE HLDGS INC	7,836	$3M	1.6%	HOLD
14	AVDVAMERICAN CENTY ETF TR	29,960	$3M	1.6%	TRIM −9%
15	IVVISHARES TR	4,475	$3M	1.5%	TRIM −63%
16	VTVVANGUARD INDEX FDS	12,703	$2M	1.3%	ADD 17%
17	MUBISHARES TR	23,315	$2M	1.3%	ADD 51%
18	DFAUDIMENSIONAL ETF TRUST	50,683	$2M	1.2%	TRIM −3%
19	VEAVANGUARD TAX-MANAGED FDS	32,733	$2M	1.1%	TRIM −10%
20	DFARDIMENSIONAL ETF TRUST	68,418	$2M	0.8%	HOLD
21	ESGUISHARES TR	10,641	$2M	0.8%	HOLD
22	QUALISHARES TR	7,550	$1M	0.8%	TRIM −54%
23	SUBISHARES TR	13,286	$1M	0.7%	HOLD
24	BSVVANGUARD BD INDEX FDS	16,461	$1M	0.7%	HOLD
25	IUSBISHARES TR	27,868	$1M	0.7%	TRIM −78%
26	SUSCISHARES TR	54,099	$1M	0.6%	ADD 3%
27	FSECFIDELITY MERRIMACK STR TR	27,082	$1M	0.6%	NEW
28	EFVISHARES TR	15,846	$1M	0.6%	TRIM −72%
29	LCTUBLACKROCK ETF TRUST	16,333	$1M	0.6%	TRIM −9%
30	DYNFBLACKROCK ETF TRUST	18,157	$1M	0.5%	TRIM −79%
31	IVWISHARES TR	9,099	$1M	0.5%	TRIM −75%
32	IVEISHARES TR	4,854	$1M	0.5%	TRIM −80%
33	EAGGISHARES TR	20,532	$976,297	0.5%	ADD 13%
34	DISVDIMENSIONAL ETF TRUST	24,229	$955,605	0.5%	TRIM −6%
35	VTIVANGUARD INDEX FDS	2,959	$949,239	0.5%	HOLD
36	SCHFSCHWAB STRATEGIC TR	37,981	$940,037	0.5%	ADD 37%
37	DFAEDIMENSIONAL ETF TRUST	27,607	$934,773	0.5%	TRIM −2%
38	VWOVANGUARD INTL EQUITY INDEX F	16,999	$918,815	0.5%	TRIM −5%
39	FDEVFIDELITY COVINGTON TRUST	25,664	$915,692	0.5%	NEW
40	IEMGISHARES INC	12,639	$881,552	0.5%	TRIM −79%
41	SCHGSCHWAB U.S. LARGE-CAP GROWTH ETF	30,002	$873,957	0.5%	ADD 85%
42	IEFAISHARES TR	9,558	$865,267	0.4%	HOLD
43	VVVANGUARD INDEX FDS	2,781	$831,102	0.4%	TRIM −8%
44	AVUVAMERICAN CENTY ETF TR	7,376	$814,880	0.4%	HOLD
45	FDRRFIDELITY COVINGTON TRUST	13,782	$810,428	0.4%	NEW
46	SCHZSCHWAB STRATEGIC TR	34,461	$800,184	0.4%	TRIM −10%
47	EFGISHARES TR	7,010	$780,704	0.4%	HOLD
48	FCORFIDELITY MERRIMACK STR TR	15,981	$756,014	0.4%	NEW
49	BNDXVANGUARD CHARLOTTE FDS	15,374	$738,705	0.4%	TRIM −3%
50	FIVAFIDELITY COVINGTON TRUST	20,548	$715,276	0.4%	NEW
51	FDMOFIDELITY COVINGTON TRUST	8,890	$712,089	0.4%	NEW
52	DSIISHARES TR	5,598	$678,422	0.4%	TRIM −8%
53	VTESVANGUARD WELLINGTON FD	6,656	$673,178	0.3%	TRIM −5%
54	DCORDIMENSIONAL ETF TRUST	9,258	$667,317	0.3%	HOLD
55	IAGGISHARES TR	12,527	$626,860	0.3%	TRIM −47%
56	DFAIDIMENSIONAL ETF TRUST	15,714	$612,236	0.3%	TRIM −4%
57	ESGDISHARES TR	6,210	$593,800	0.3%	TRIM −2%
58	OEFISHARES TR	1,858	$590,914	0.3%	TRIM −85%
59	SPMOInvesco ETF Trust II - S&P500 Momentum ETF	5,203	$583,308	0.3%	NEW
60	FDVVFIDELITY COVINGTON TRUST	10,310	$569,524	0.3%	NEW
61	VBVANGUARD INDEX FDS	2,137	$559,730	0.3%	ADD 11%
62	AVUSAMERICAN CENTY ETF TR	5,031	$559,387	0.3%	ADD 88%
63	CSXCSX CORP	13,050	$535,703	0.3%	HOLD
64	VMBSVANGUARD SCOTTSDALE FDS	11,353	$533,014	0.3%	ADD 28%
65	DGCBDIMENSIONAL ETF TRUST	9,644	$522,022	0.3%	HOLD
66	JBNDJ P MORGAN EXCHANGE TRADED F	9,113	$490,006	0.3%	NEW
67	LMUBISHARES TR	9,773	$487,966	0.3%	NEW
68	USXFISHARES TR	8,837	$487,802	0.3%	HOLD
69	SCHJSCHWAB STRATEGIC TR	19,241	$475,734	0.2%	ADD 80%
70	THROBLACKROCK ETF TRUST	12,311	$445,904	0.2%	TRIM −75%
71	FQALFIDELITY COVINGTON TRUST	6,067	$440,464	0.2%	NEW
72	XLKSELECT SECTOR SPDR TR	3,130	$415,977	0.2%	ADD 45%
73	DFLVDIMENSIONAL ETF TRUST	11,633	$415,414	0.2%	TRIM −16%
74	SPEMSPDR INDEX SHS FDS	8,497	$398,594	0.2%	ADD 53%
75	DEHPDIMENSIONAL ETF TRUST	11,197	$378,346	0.2%	TRIM −4%
76	DIHPDIMENSIONAL ETF TRUST	11,399	$367,287	0.2%	TRIM −28%
77	SPHBINVESCO EXCH TRADED FD TR II	3,117	$361,416	0.2%	NEW
78	IYWISHARES TR	1,913	$347,056	0.2%	TRIM −44%
79	FLDBFIDELITY MERRIMACK STR TR	6,749	$340,730	0.2%	NEW
80	DFEVDIMENSIONAL ETF TRUST	9,357	$334,778	0.2%	TRIM −2%
81	BAIBLACKROCK ETF TRUST	10,077	$332,037	0.2%	TRIM −80%
82	TLHISHARES TR	3,220	$324,318	0.2%	TRIM −85%
83	BLCRBLACKROCK ETF TRUST	7,812	$320,761	0.2%	NEW
84	RPVINVESCO EXCHANGE TRADED FD T	2,843	$305,310	0.2%	NEW
85	ITOTISHARES TR	2,064	$294,036	0.2%	TRIM −24%
86	BIVVANGUARD BD INDEX FDS	3,672	$283,416	0.1%	HOLD
87	EVUSISHARES ESG AWARE MSCI USA VALUE ETF	8,878	$282,601	0.1%	TRIM −12%
88	MTUMISHARES TR	1,161	$278,628	0.1%	TRIM −82%
89	BLVVANGUARD BD INDEX FDS	3,980	$273,740	0.1%	HOLD
90	PGPROCTER AND GAMBLE CO	1,851	$267,358	0.1%	TRIM −27%
91	VBRVANGUARD INDEX FDS	1,189	$258,230	0.1%	HOLD
92	VXUSVANGUARD STAR FDS	3,347	$258,091	0.1%	HOLD
93	DMXFISHARES TR	3,396	$256,228	0.1%	NEW
94	IDEFBLACKROCK ETF TRUST	7,327	$239,739	0.1%	NEW
95	VCLTVANGUARD SCOTTSDALE FDS	3,186	$238,092	0.1%	NEW
96	GOVTISHARES TR	9,380	$214,896	0.1%	NEW
97	SPYSTATE STR SPDR S&P 500 ETF T	323	$210,640	0.1%	NEW
98	XOMEXXON MOBIL CORP	1,213	$205,798	0.1%	NEW

Position trends· top 15 holdings · shares held over 6 quarters

green added · red trimmed

Security

2024-Q4

2025-Q1

2025-Q2

2025-Q3

2025-Q4

2026-Q1

Latest value

DFACDIMENSIONAL ETF TRUST

715K

706K

772K

744K

706K

683K

$27M

DFCFDIMENSIONAL ETF TRUST

406K

417K

399K

402K

403K

412K

$17M

FBNDFIDELITY TOTAL BOND ETF

285K

319K

341K

359K

354K

368K

$17M

DFICDIMENSIONAL ETF TRUST

408K

398K

344K

327K

311K

304K

$11M

DFSVDIMENSIONAL ETF TRUST

293K

302K

306K

309K

293K

296K

$10M

DUHPDIMENSIONAL ETF TRUST

247K

258K

260K

266K

267K

259K

$10M

DFSDDIMENSIONAL ETF TRUST

182K

185K

163K

156K

159K

163K

$8M

FLDRFIDELITY MERRIMACK STR TR

97K

100K

112K

121K

123K

$6M

DFEMDIMENSIONAL ETF TRUST

118K

123K

165K

168K

165K

162K

$6M

VTEBVANGUARD MUN BD FDS

67K

59K

99K

97K

98K

94K

$5M

VUGVANGUARD INDEX FDS

$3M

AAPLAPPLE INC

15K

13K

$3M

CRWDCROWDSTRIKE HLDGS INC

—

$3M

AVDVAMERICAN CENTY ETF TR

34K

36K

33K

30K

$3M

IVVISHARES TR

17K

16K

12K

$3M

Shares reported each quarter by the largest current holdings. Green = added vs the prior filing of that name, red = trimmed, grey = roughly held; a dash is a quarter with no 13F on file (a gap is skipped, not read as an exit). 13F is filed up to 45 days after quarter-end. Up to 40 quarters (10 years) available — use the selector above.

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