RCS Financial Planning, LLC

Registered adviser

CIK

1963347

Location

ANNAPOLIS, MD

Portfolio Value

Small $143,492,834

Diversification

Highly concentrated

Filing Date

Global Rank

#6,630 / 8,811 ▼ 338 · as of Jun 2026

Top Industry

Software - Infrastructure 56.4%

Period ended 21 days ago

Filed Oct 14, 2026 · 7d

16 quarters · since Dec 2022

Regulatory profile

From Form ADV, the SEC filer profile, 13D/13G type codes and N-CEN, never from the name.

Holder type

Registered adviser

Form ADV roster, Oct 1, 2026

Form ADV adviser

CRD 291678

Roster of Oct 1, 2026

Regulatory AUM

$280,955,416

Main clients

Individuals and high net worth (97% of AUM)

Form ADV history

Monthly rosters from Dec 2019; each row is a run with the same figures, newest first.

Rosters	Regulatory AUM	Main clients
Apr 2026 to Oct 2026	$280,955,416	Individuals and high net worth (97%)
Apr 2025 to Mar 2026	$241,347,380	Individuals and high net worth (96%)
Apr 2024 to Mar 2025	$198,776,808	Individuals and high net worth (100%)
May 2023 to Mar 2024	$161,849,096	Individuals and high net worth (92%)
Apr 2023	$161,849,096	Individuals and high net worth (92%)
Apr 2022 to Mar 2023	$184,672,011	Individuals and high net worth (94%)

3 earlier changes not shown.

Portfolio style

Measured from the filed 13F common-share book for Jun 30, 2026, the newest measured quarter, never from the firm's own description.

Style

Concentrated

The top 10 positions are 93.5% of the book (60%+)

Turnover

Low turnover

14.3% over the last four quarters (under 30%)

Horizon

Long horizon

Value-weighted holding period 12.1 quarters (12+)

Closest benchmark: every 13F filer's combined book, active share 92.3%; sector active share 84.8% against the combined 13F book's sector weights.

Over time 15 measured quarters

How the bands are measured

Style bands measure the filed 13F common-share book each closed quarter, tested in this order. Unknown: under $10,000,000 of valued equity or 5 stocks. Index-like (100+ stocks): active share of 20% or less against the closest benchmark, which is the S&P 500, S&P MidCap 400, S&P SmallCap 600, Russell 1000, Russell 2000, Nasdaq-100 or Dow Jones Industrial Average (weighted by an index-tracking fund's reported holdings or the index's constituents nearest the quarter end, over the names resolved to companies, and only when those are 90%+ of its weight) or every 13F filer's combined book, or index series holding 80%+ of the registered fund assets it advises (N-CEN) and equal to 50%+ of its book. Systematic-like: 500+ stocks, 100%+ annual turnover and a top 10 weight of 25% or less. Concentrated: a top 10 weight of 60%+ or 12 or fewer effective positions. Diversified active: none of these. Turnover is the smaller of buys and sells over average equity value, summed over four quarters: low under 30%, high 100%+. Horizon is the value-weighted number of quarters each position has been held: short under 4, long 12+.

Clone Performance

Build a hypothetical price-return history from this filer's public 13F holdings.

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Portfolio Concentration

88 tracked positions · as of Sep 30, 2026 · Δ vs Jun 30, 2026

Top Position

54.4%

−3.2 pts

Top 5

83.6%

+1.6 pts

Top 10

94.8%

+1.3 pts

HHI

3,235

Highly concentrated−348

Portfolio Trend

16 quarters · across all stocks

Sector Breakdown

As of Sep 30, 2026

Sector	% Portfolio	Value	Positions
Unclassified	91.6%	$131,393,073	84
Technology	7.8%	$11,215,031	2
Industrials	0.4%	$606,955	1
Consumer Defensive	0.2%	$277,775	1

Last Quarter's Activity

Export CSV

Sep 30, 2026 vs Jun 30, 2026

Added To

Positions the filer increased

18 positions

Ticker	Company	Δ Shares	Shares	Value
DFAC	Dimensional U.S. Core Equity 2 ETF	+122,276	820,914	$36,489,627
SCHP	Schwab U.S. TIPS ETF	+122,006	129,607	$3,257,023
DFEM	Dimensional Emerging Markets Core Equity 2 ETF	+30,311	185,820	$7,380,770
CRWD	CrowdStrike Holdings, Inc.	+19,188	25,796	$6,829,491
MUB	iShares National Muni Bond ETF	+13,444	36,469	$0
DFAR	Dimensional US Real Estate ETF	+10,881	80,667	$1,948,914
CORO		+7,268	14,636	$532,018
SUSC	iShares ESG Aware USD Corporate Bond ETF	+2,985	61,284	$0
EAGG	iShares ESG Aware U.S. Aggregate Bond ETF	+2,756	24,769	$0
BLCR		+1,094	9,312	$455,915
EVUS	iShares ESG Aware MSCI USA Value ETF	+1,047	10,011	$0
DMXF	iShares ESG Advanced MSCI EAFE ETF	+791	4,113	$0
USXF	iShares ESG Advanced MSCI USA ETF	+559	8,622	$0
DSI	iShares ESG MSCI KLD 400 ETF	+487	5,811	$0
ESGU	iShares ESG Aware MSCI USA ETF	+448	10,708	$0
LCTU		+447	16,253	$1,327,382
ESGD	iShares ESG Aware MSCI EAFE ETF	+248	6,319	$0
IEFA	iShares Core MSCI EAFE ETF	+2	9,528	$0
No positions match the current search.

Trimmed

Positions the filer reduced

25 positions

Ticker	Company	Δ Shares	Shares	Value
FBND	Fidelity Total Bond ETF	−236,320	135,145	$5,851,778
DFCF	Dimensional Core Fixed Income ETF	−207,382	206,597	$8,288,671
DFSD	Dimensional Short-Duration Fixed Income ETF	−75,064	85,481	$3,972,473
VTEB	VANGUARD TAX-EXEMPT BOND INDEX FUND	−40,294	54,685	$2,589,881
DFIC	Dimensional International Core Equity 2 ETF	−39,435	267,523	$10,061,540
FLDR	Fidelity Low Duration Bond Factor ETF	−39,332	85,798	$4,268,656
AVDV	Avantis International Small Cap Value ETF	−17,619	12,258	$1,340,780
SCHG	Schwab U.S. Large-Cap Growth ETF	−16,917	13,095	$470,503
SCHF	Schwab International Equity ETF	−14,408	22,968	$630,930
VUG	VANGUARD GROWTH INDEX FUND	−13,137	33,651	$3,032,291
SCHJ	Schwab 1-5 Year Corporate Bond ETF	−10,963	9,120	$219,792
BSV	VANGUARD SHORT-TERM BOND INDEX FUND	−6,943	11,553	$882,649
DISV	Dimensional International Small Cap Value ETF	−6,751	16,751	$725,150
DFAU	Dimensional US Core Equity Market ETF	−6,137	44,364	$2,322,899
SCHZ	Schwab U.S. Aggregate Bond ETF	−5,908	29,266	$646,778
SUB	iShares Short-Term National Muni Bond ETF	−5,384	8,157	$0
VEA	Vanguard FTSE Developed Markets ETF	−5,092	25,763	$1,819,125
IEMG	iShares Trust	−4,655	6,205	$0
VMBS	VANGUARD MORTGAGE-BACKED SECURITIES INDEX FUND	−4,578	7,089	$314,822
QUAL	iShares MSCI USA Quality Factor ETF	−3,540	2,568	$0
BNDX	Vanguard Total International Bond ETF	−3,379	11,960	$560,565
VTV	VANGUARD VALUE INDEX FUND	−3,238	9,473	$2,046,925
DIHP	Dimensional International High Profitability ETF	−3,009	7,000	$235,830
DFAE	Dimensional Emerging Core Equity Market ETF	−2,948	23,251	$913,996
SPEM	State Street(R) SPDR(R) Portfolio Emerging Markets ETF	−2,516	5,981	$309,576
No positions match the current search.

New Positions

Positions the filer opened this quarter

12 positions

Ticker	Company	Shares	Value
SCHR	Schwab Intermediate-Term U.S. Treasury ETF	252,914	$5,994,061
DXIV	Dimensional International Vector Equity ETF	61,700	$4,443,017
SCHI	Schwab 5-10 Year Corporate Bond ETF	188,985	$4,051,838
SCHO	Schwab Short-Term U.S. Treasury ETF	83,965	$2,003,404
VGIT	VANGUARD INTERMEDIATE-TERM TREASURY INDEX FUND	9,930	$562,633
VBIL	Vanguard Institutional Index Funds	3,023	$228,901
LCTD		3,710	$215,031
VGSH	VANGUARD SHORT-TERM TREASURY INDEX FUND	3,729	$214,641
BND	VANGUARD TOTAL BOND MARKET INDEX FUND	2,870	$201,330
IEI	iShares 3-7 Year Treasury Bond ETF	97,347	$0
ACWX	iShares MSCI ACWI ex U.S. ETF	4,035	$0
TIP	iShares TIPS Bond ETF	57,419	$0
No positions match the current search.

Sold Out

Positions the filer fully exited

25 positions

Ticker	Company	Shares	Value
DFSV	Dimensional US Small Cap Value ETF	301,701	$11,702,981
DUHP	Dimensional US High Profitability ETF	266,126	$11,105,437
FSEC	Fidelity Investment Grade Securitized ETF	27,097	$1,187,932
FIVA	Fidelity International Value Factor ETF	25,944	$999,362
FDRR	Fidelity Dividend ETF for Rising Rates	13,637	$884,768
FDMO	Fidelity Momentum Factor ETF	7,983	$786,884
DCOR	Dimensional ETF Trust	9,258	$758,970
FDEV	Fidelity International Multifactor ETF	21,240	$754,020
FCOR	Fidelity Corporate Bond ETF	15,593	$735,209
SPHB	Invesco Ltd.	3,914	$608,979
FDVV	Fidelity High Dividend ETF	8,180	$493,172
JBND	JPMorgan Active Bond ETF	9,211	$492,788
DFLV	Dimensional US Large Cap Value ETF	11,633	$459,968
FVAL	Fidelity Value Factor ETF	5,218	$406,659
FLDB	Fidelity Low Duration Bond ETF	6,779	$340,576
FBCG	Fidelity Covington Trust	5,265	$327,009
RPV	Invesco S&P 500 Pure Value ETF	2,764	$314,598
DGCB	Dimensional Global Credit ETF	5,457	$298,334
NVDA	Nvidia Corp	1,293	$258,716
—		3,244	$244,111
FQAL	Fidelity Quality Factor ETF	2,568	$208,935
IALT		7,203	$202,044
LMUB	iShares Long-Term National Muni Bond ETF	10,317	$0
IAGG	iShares Core International Aggregate Bond ETF	9,904	$0
TOPT	iShares Top 20 U.S. Stocks ETF	19,683	$0
No positions match the current search.

Portfolio Positions

Compact Export CSV View 13F filing

88 tracked positions · $143,492,834 total · filing declares 88 positions · $184,738,771 · as of Sep 30, 2026

All sectors Consumer Defensive Industrials Technology

Showing 1–50 of 88 positions by value · page 1 of 2

Ticker	Company	Type	Shares	Δ Shares	Value (USD)	% Δ Value	% of Portfolio
DFAC	Dimensional U.S. Core Equity 2 ETF	Added	820,914	+122,276	$36,489,627	+17.7%	25.43%
DFIC	Dimensional International Core Equity 2 ETF	Reduced	267,523	-39,435	$10,061,540	−12.0%	7.01%
DFCF	Dimensional Core Fixed Income ETF	Reduced	206,597	-207,382	$8,288,671	−52.6%	5.78%
DFEM	Dimensional Emerging Markets Core Equity 2 ETF	Added	185,820	+30,311	$7,380,770	+16.8%	5.14%
CRWD	CrowdStrike Holdings, Inc. Technology	Added	25,796	+19,188	$6,829,491	+35.4%	4.76%
SCHR	Schwab Intermediate-Term U.S. Treasury ETF	NEW	252,914	NEW	$5,994,061	NEW	4.18%
FBND	Fidelity Total Bond ETF	Reduced	135,145	-236,320	$5,851,778	−65.4%	4.08%
DXIV	Dimensional International Vector Equity ETF	NEW	61,700	NEW	$4,443,017	NEW	3.10%
AAPL	Apple Inc. Technology	Reduced	13,169	-205	$4,385,540	+13.3%	3.06%
FLDR	Fidelity Low Duration Bond Factor ETF	Reduced	85,798	-39,332	$4,268,656	−31.9%	2.97%
SCHI	Schwab 5-10 Year Corporate Bond ETF	NEW	188,985	NEW	$4,051,838	NEW	2.82%
DFSD	Dimensional Short-Duration Fixed Income ETF	Reduced	85,481	-75,064	$3,972,473	−48.2%	2.77%
SCHP	Schwab U.S. TIPS ETF	Added	129,607	+122,006	$3,257,023	+1517.0%	2.27%
VUG	VANGUARD GROWTH INDEX FUND	Reduced	33,651	-13,137	$3,032,291	−24.8%	2.11%
VTEB	VANGUARD TAX-EXEMPT BOND INDEX FUND	Reduced	54,685	-40,294	$2,589,881	−46.1%	1.80%
DFAU	Dimensional US Core Equity Market ETF	Reduced	44,364	-6,137	$2,322,899	−11.0%	1.62%
VTV	VANGUARD VALUE INDEX FUND	Reduced	9,473	-3,238	$2,046,925	−26.1%	1.43%
SCHO	Schwab Short-Term U.S. Treasury ETF	NEW	83,965	NEW	$2,003,404	NEW	1.40%
DFAR	Dimensional US Real Estate ETF	Added	80,667	+10,881	$1,948,914	+6.8%	1.36%
VEA	Vanguard FTSE Developed Markets ETF	Reduced	25,763	-5,092	$1,819,125	−17.3%	1.27%
AVDV	Avantis International Small Cap Value ETF	Reduced	12,258	-17,619	$1,340,780	−56.5%	0.93%
LCTU		Added	16,253	+447	$1,327,382	+4.8%	0.93%
DYNF	iShares U.S. Equity Factor Rotation Active ETF	Reduced	15,945	-1,417	$1,104,350	−6.5%	0.77%
VTI	VANGUARD TOTAL STOCK MARKET INDEX FUND	Reduced	2,651	-67	$992,110	−1.4%	0.69%
VWO	VANGUARD EMERGING MARKETS STOCK INDEX FUND	Reduced	16,517	-214	$979,623	−1.9%	0.68%
VV	VANGUARD LARGE-CAP INDEX FUND	Held	2,781	0	$978,494	+2.3%	0.68%
DFAE	Dimensional Emerging Core Equity Market ETF	Reduced	23,251	-2,948	$913,996	−13.2%	0.64%
BSV	VANGUARD SHORT-TERM BOND INDEX FUND	Reduced	11,553	-6,943	$882,649	−38.7%	0.62%
AVUV	Avantis U.S. Small Cap Value ETF	Reduced	7,138	-124	$840,642	−7.2%	0.59%
DISV	Dimensional International Small Cap Value ETF	Reduced	16,751	-6,751	$725,150	−23.1%	0.51%
VTES	VANGUARD SHORT-TERM TAX-EXEMPT BOND ETF	Held	6,656	0	$656,281	−2.7%	0.46%
SCHZ	Schwab U.S. Aggregate Bond ETF	Reduced	29,266	-5,908	$646,778	−20.5%	0.45%
AVUS	Avantis U.S. Equity ETF	Reduced	5,019	-2	$642,883	−0.0%	0.45%
SCHF	Schwab International Equity ETF	Reduced	22,968	-14,408	$630,930	−39.1%	0.44%
CSX	Csx Corp Industrials	Held	13,050	0	$606,955	−2.1%	0.42%
XLK	State Street(R) Technology Select Sector SPDR(R) ETF	Held	3,050	0	$597,037	+2.7%	0.42%
DFAI	Dimensional International Core Equity Market ETF	Reduced	13,651	-1,911	$565,560	−11.9%	0.39%
VGIT	VANGUARD INTERMEDIATE-TERM TREASURY INDEX FUND	NEW	9,930	NEW	$562,633	NEW	0.39%
BNDX	Vanguard Total International Bond ETF	Reduced	11,960	-3,379	$560,565	−24.5%	0.39%
CORO		Added	14,636	+7,268	$532,018	+97.3%	0.37%
SCHG	Schwab U.S. Large-Cap Growth ETF	Reduced	13,095	-16,917	$470,503	−53.7%	0.33%
BLCR		Added	9,312	+1,094	$455,915	+10.1%	0.32%
VB	Vanguard Index Funds	Reduced	1,455	-697	$413,932	−36.5%	0.29%
DEHP	Dimensional Emerging Markets High Profitability ETF	Reduced	9,170	-1,187	$377,253	−14.8%	0.26%
THRO		Reduced	8,297	-660	$364,902	−5.5%	0.25%
SPY	Spdr S&P 500 ETF Trust	Reduced	460	-54	$350,809	−8.6%	0.24%
VMBS	VANGUARD MORTGAGE-BACKED SECURITIES INDEX FUND	Reduced	7,089	-4,578	$314,822	−42.4%	0.22%
DFEV	Dimensional Emerging Markets Value ETF	Reduced	7,358	-1,333	$311,979	−15.9%	0.22%
SPEM	State Street(R) SPDR(R) Portfolio Emerging Markets ETF	Reduced	5,981	-2,516	$309,576	−29.6%	0.22%
BAI	BlackRock ETF Trust	Reduced	6,425	-1,597	$303,195	−28.3%	0.21%

Showing the top 50 of 88 positions. Create a free account to see every position, past quarters, search, filters and CSV export.

Covers the securities this platform tracks: U.S.-listed common stock and the put/call positions reported on it. A 13F can also report security types outside that coverage — preferred shares, bonds, warrants, untracked share classes — so the filing's own declared total can exceed the figures above. The source filing is linked at the top of this table.