Clear Retirement Advice

SAN MATEO, CAfiles as Clear Retirement Advice LLC

$146m in 54 US stocks at the end of 30 June 2026. The top 10 are 68.8% of the money. It changed about 3.3% of the portfolio this quarter.

Value

$146m

Stocks

Top 10 share

68.8%

Turnover

3.3%

What changed this quarter

New

Bought for the first time this quarter.

None this quarter.

Added

Bought more of a stock they already held.

Schwab Strategic TRSCHO
11.1% of the fund
+12%
Spdr Index SHS FDSSPDW
10.7% of the fund
+10%
Ishares TRITOT
10.2% of the fund
+9%
Invesco Exch Traded FD TR IITBLL
8.8% of the fund
+8%
Vanguard Index FDSVBR
5.8% of the fund
+6%
Ishares TRIGSB
5.4% of the fund
+14%
Vanguard Index FDSVBK
4.9% of the fund
+5%
Vanguard Intl Equity Index FVWO
4.3% of the fund
+9%
Etfs Gold TRSGOL
3.8% of the fund
+20%
Spdr Series TrustSPYV
3.7% of the fund
+12%
Spdr Series TrustSPYG
3.1% of the fund
+2%
Ishares TRSHY
0.7% of the fund
+41%
Berkshire HathawayBRK-B
0.2% of the fund
+7%

Cut

Sold some of their stake.

AppleAAPL
1.3% of the fund
-29%
Schwab Strategic TRSCHG
0.7% of the fund
-3%
Spdr Series TrustSLYV
0.6% of the fund
-2%
Vanguard Index FDSVUG
0.3% of the fund
-15%
Select Sector Spdr TRXLK
0.3% of the fund
-3%

Sold out

Sold their entire stake.

None this quarter.

Holdings

Schwab Strategic TRSCHO
Share
11.1%
Value
$16m
Shares
669,894
+12%
Spdr Index SHS FDSSPDW
Share
10.7%
Value
$16m
Shares
308,661
+10%
Ishares TRITOT
Share
10.2%
Value
$15m
Shares
90,621
+9%
Invesco Exch Traded FD TR IITBLL
Share
8.8%
Value
$13m
Shares
121,931
+8%
Vanguard Index FDSVBR
Share
5.8%
Value
$8m
Shares
34,691
+6%
Ishares TRIGSB
Share
5.4%
Value
$8m
Shares
151,850
+14%
Vanguard Index FDSVBK
Share
4.9%
Value
$7m
Shares
19,585
+5%
Vanguard Intl Equity Index FVWO
Share
4.3%
Value
$6m
Shares
105,818
+9%
Etfs Gold TRSGOL
Share
3.8%
Value
$6m
Shares
146,485
+20%
Spdr Series TrustSPYV
Share
3.7%
Value
$5m
Shares
89,583
+12%
Vanguard Index FDSVTI
Share
3.5%
Value
$5m
Shares
13,943
Held
Spdr Series TrustSPYG
Share
3.1%
Value
$5m
Shares
38,534
+2%
Vanguard Tax-Managed FDSVEA
Share
2.1%
Value
$3m
Shares
42,061
Held
Vanguard Scottsdale FDSVCSH
Share
1.9%
Value
$3m
Shares
35,181
Held
Schwab Strategic TRSCHF
Share
1.7%
Value
$2m
Shares
87,339
Held
Schwab Strategic TRSCHB
Share
1.6%
Value
$2m
Shares
79,270
Held
IsharesIEMG
Share
1.5%
Value
$2m
Shares
26,217
Held
Ishares Gold TRIAU
Share
1.4%
Value
$2m
Shares
27,941
Held
Schwab Strategic TRSCHV
Share
1.4%
Value
$2m
Shares
57,373
Held
AppleAAPL
Share
1.3%
Value
$2m
Shares
6,525
-29%
Spdr Series TrustSLYG
Share
1.0%
Value
$1m
Shares
11,909
Held
Vanguard World FDVGT
Share
0.7%
Value
$1m
Shares
8,992
Held
Ishares TRSHY
Share
0.7%
Value
$995,994
Shares
12,130
+41%
Schwab Strategic TRSCHG
Share
0.7%
Value
$992,751
Shares
29,337
-3%
Spdr Series TrustSLYV
Share
0.6%
Value
$884,991
Shares
8,111
-2%
Vanguard Index FDSVTV
Share
0.6%
Value
$838,595
Shares
3,848
Held
Vanguard Russell 2000VTWV
Share
0.5%
Value
$706,125
Shares
3,613
Held
VisaV
Share
0.5%
Value
$687,209
Shares
2,003
Held
AlphabetGOOGL
Share
0.5%
Value
$677,931
Shares
1,897
Held
AlphabetGOOG
Share
0.4%
Value
$654,367
Shares
1,852
Held
State STR Spdr S&P 500 ETF TSPY
Share
0.4%
Value
$652,677
Shares
874
Held
Schwab Strategic TRSCHH
Share
0.4%
Value
$573,885
Shares
24,235
Held
MastercardMA
Share
0.4%
Value
$528,494
Shares
1,029
Held
Select Sector Spdr TRXLI
Share
0.3%
Value
$440,292
Shares
2,377
Held
Vanguard Index FDSVUG
Share
0.3%
Value
$409,940
Shares
4,759
-15%
Select Sector Spdr TRXLY
Share
0.3%
Value
$393,123
Shares
3,352
Held
Select Sector Spdr TRXLK
Share
0.3%
Value
$391,519
Shares
2,055
-3%
Spdr Index SHS FDSSPEM
Share
0.3%
Value
$383,793
Shares
7,412
Held
Vaneck ETF TrustITM
Share
0.2%
Value
$354,868
Shares
7,552
Held
Select Sector Spdr TRXLV
Share
0.2%
Value
$354,764
Shares
2,236
Held
Ishares TRMUB
Share
0.2%
Value
$346,214
Shares
3,217
Held
Invesco Exchange Traded FD TRSP
Share
0.2%
Value
$323,198
Shares
1,519
Held
Select Sector Spdr TRXLU
Share
0.2%
Value
$301,602
Shares
6,652
Held
Vanguard World FDVOX
Share
0.2%
Value
$300,758
Shares
1,635
Held
Ishares TREFG
Share
0.2%
Value
$290,023
Shares
2,331
Held
AutozoneAZO
Share
0.2%
Value
$284,439
Shares
89
Held
Ishares TRIWO
Share
0.2%
Value
$275,378
Shares
699
Held
Johnson & JohnsonJNJ
Share
0.2%
Value
$274,796
Shares
1,082
Held
FastenalFAST
Share
0.2%
Value
$273,483
Shares
5,694
Held
Select Sector Spdr TRXLP
Share
0.2%
Value
$249,210
Shares
3,000
Held
Berkshire HathawayBRK-B
Share
0.2%
Value
$226,677
Shares
453
+7%
Home DepotHD
Share
0.2%
Value
$226,421
Shares
642
Held
ChubbCB
Share
0.2%
Value
$223,525
Shares
656
Held
TJX CompaniesTJX
Share
0.1%
Value
$217,100
Shares
1,433
Held

Company	Share of fund	Value	Shares	Change
Schwab Strategic TRSCHO	11.1%	$16m	669,894	+12%
Spdr Index SHS FDSSPDW	10.7%	$16m	308,661	+10%
Ishares TRITOT	10.2%	$15m	90,621	+9%
Invesco Exch Traded FD TR IITBLL	8.8%	$13m	121,931	+8%
Vanguard Index FDSVBR	5.8%	$8m	34,691	+6%
Ishares TRIGSB	5.4%	$8m	151,850	+14%
Vanguard Index FDSVBK	4.9%	$7m	19,585	+5%
Vanguard Intl Equity Index FVWO	4.3%	$6m	105,818	+9%
Etfs Gold TRSGOL	3.8%	$6m	146,485	+20%
Spdr Series TrustSPYV	3.7%	$5m	89,583	+12%
Vanguard Index FDSVTI	3.5%	$5m	13,943	Held
Spdr Series TrustSPYG	3.1%	$5m	38,534	+2%
Vanguard Tax-Managed FDSVEA	2.1%	$3m	42,061	Held
Vanguard Scottsdale FDSVCSH	1.9%	$3m	35,181	Held
Schwab Strategic TRSCHF	1.7%	$2m	87,339	Held
Schwab Strategic TRSCHB	1.6%	$2m	79,270	Held
IsharesIEMG	1.5%	$2m	26,217	Held
Ishares Gold TRIAU	1.4%	$2m	27,941	Held
Schwab Strategic TRSCHV	1.4%	$2m	57,373	Held
AppleAAPL	1.3%	$2m	6,525	-29%
Spdr Series TrustSLYG	1.0%	$1m	11,909	Held
Vanguard World FDVGT	0.7%	$1m	8,992	Held
Ishares TRSHY	0.7%	$995,994	12,130	+41%
Schwab Strategic TRSCHG	0.7%	$992,751	29,337	-3%
Spdr Series TrustSLYV	0.6%	$884,991	8,111	-2%
Vanguard Index FDSVTV	0.6%	$838,595	3,848	Held
Vanguard Russell 2000VTWV	0.5%	$706,125	3,613	Held
VisaV	0.5%	$687,209	2,003	Held
AlphabetGOOGL	0.5%	$677,931	1,897	Held
AlphabetGOOG	0.4%	$654,367	1,852	Held
State STR Spdr S&P 500 ETF TSPY	0.4%	$652,677	874	Held
Schwab Strategic TRSCHH	0.4%	$573,885	24,235	Held
MastercardMA	0.4%	$528,494	1,029	Held
Select Sector Spdr TRXLI	0.3%	$440,292	2,377	Held
Vanguard Index FDSVUG	0.3%	$409,940	4,759	-15%
Select Sector Spdr TRXLY	0.3%	$393,123	3,352	Held
Select Sector Spdr TRXLK	0.3%	$391,519	2,055	-3%
Spdr Index SHS FDSSPEM	0.3%	$383,793	7,412	Held
Vaneck ETF TrustITM	0.2%	$354,868	7,552	Held
Select Sector Spdr TRXLV	0.2%	$354,764	2,236	Held
Ishares TRMUB	0.2%	$346,214	3,217	Held
Invesco Exchange Traded FD TRSP	0.2%	$323,198	1,519	Held
Select Sector Spdr TRXLU	0.2%	$301,602	6,652	Held
Vanguard World FDVOX	0.2%	$300,758	1,635	Held
Ishares TREFG	0.2%	$290,023	2,331	Held
AutozoneAZO	0.2%	$284,439	89	Held
Ishares TRIWO	0.2%	$275,378	699	Held
Johnson & JohnsonJNJ	0.2%	$274,796	1,082	Held
FastenalFAST	0.2%	$273,483	5,694	Held
Select Sector Spdr TRXLP	0.2%	$249,210	3,000	Held
Berkshire HathawayBRK-B	0.2%	$226,677	453	+7%
Home DepotHD	0.2%	$226,421	642	Held
ChubbCB	0.2%	$223,525	656	Held
TJX CompaniesTJX	0.1%	$217,100	1,433	Held

Over time and by industry

Value over time

Dec '25

Jun '26

Value is up 13.6% since 31 December 2025.

Where the money is

Technology1.3%

Financial services1.1%

Media & telecom0.9%

Retail & consumer0.5%

Health care0.2%

Industrials0.2%

Other95.8%

From the fund's 13F filings. They list US stocks and options only, 45 days after each quarter, and leave out cash, bonds, shorts and foreign shares.