Clear Retirement Advice LLC

Registered adviser

CIK

2112984

Location

SAN MATEO, CA

Portfolio Value

Small $146,062,357

Diversification

Diversified

Filing Date

Global Rank

#7,508 / 8,815 ▲ 2 · as of Jun 2026

Top Industry

Consumer Electronics 29.4%

Period ended 23 days ago

Filed Oct 22, 2026 · 1d

4 quarters · since Dec 2025

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 292667

Roster of Oct 1, 2026

Regulatory AUM

$153,400,000

Main clients

Individuals and high net worth (100% 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	$153,400,000	Individuals and high net worth (100%)
May 2025 to Mar 2026	$108,156,980	Individuals and high net worth (100%)

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 90.9% of the book (60%+)

Turnover

Turnover unknown

It needs four straight quarters of measured turnover

Horizon

Short horizon

Value-weighted holding period 3.0 quarters (under 4)

Closest benchmark: every 13F filer's combined book, active share 87.8%; sector active share 83.3% against the combined 13F book's sector weights.

Over time 3 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.

View clone backtest

Portfolio Concentration

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

Top Position

17.3%

+0.2 pts

Top 5

68.4%

−1.0 pts

Top 10

89.7%

−1.2 pts

HHI

1,116

Diversified−30

Portfolio Trend

4 quarters · across all stocks

Sector Breakdown

As of Sep 30, 2026

Sector	% Portfolio	Value	Positions
Unclassified	94.3%	$137,747,136	45
Technology	2.8%	$4,111,262	5
Financial Services	1.2%	$1,728,231	4
Communication Services	1.0%	$1,441,117	2
Consumer Cyclical	0.3%	$466,140	2
Healthcare	0.2%	$286,448	1
Industrials	0.2%	$282,023	1

Last Quarter's Activity

Export CSV

Sep 30, 2026 vs Jun 30, 2026

Added To

Positions the filer increased

15 positions

Ticker	Company	Δ Shares	Shares	Value
SCHO	Schwab Short-Term U.S. Treasury ETF	+20,534	690,428	$16,473,612
SGOL	abrdn Gold ETF Trust	+15,021	161,506	$6,389,177
IGSB	iShares 1-5 Year Investment Grade Corporate Bond ETF	+10,719	162,569	$8,328,409
TBLL	Invesco Short Term Treasury ETF	+3,766	125,697	$13,268,575
SPDW	State Street(R) SPDR(R) Portfolio Developed World ex-US ETF	+3,297	311,958	$15,663,411
MUB	iShares National Muni Bond ETF	+1,040	4,257	$430,382
SHY	iShares 1-3 Year Treasury Bond ETF	+899	13,029	$1,057,954
AAPL	Apple Inc.	+813	7,338	$2,443,700
VWO	VANGUARD EMERGING MARKETS STOCK INDEX FUND	+729	106,547	$6,319,302
ITOT	iShares Core S&P Total U.S. Stock Market ETF	+507	91,128	$15,152,763
GOOGL	Alphabet Inc.	+284	2,181	$750,438
GOOG	Alphabet Inc.	+175	2,027	$690,679
SPY	Spdr S&P 500 ETF Trust	+143	1,017	$775,594
V	Visa Inc.	+14	2,017	$724,768
MA	Mastercard Inc	+1	1,030	$568,014
No positions match the current search.

Trimmed

Positions the filer reduced

20 positions

Ticker	Company	Δ Shares	Shares	Value
SCHV	Schwab U.S. Large-Cap Value ETF	−4,108	53,265	$1,774,257
VEA	Vanguard FTSE Developed Markets ETF	−3,734	38,327	$2,706,269
SCHG	Schwab U.S. Large-Cap Growth ETF	−2,191	27,146	$975,355
VCSH	VANGUARD SHORT-TERM CORPORATE BOND INDEX FUND	−1,849	33,332	$2,574,897
SCHF	Schwab International Equity ETF	−1,061	86,278	$2,370,056
SPYG	State Street(R) SPDR(R) Portfolio S&P 500(R) Growth ETF	−730	37,804	$4,652,916
IEMG	iShares Trust	−505	25,712	$0
SLYG	State Street(R) SPDR(R) S & P 600(TM) Small Cap Growth ETF	−449	11,460	$1,225,876
VBK	VANGUARD SMALL-CAP GROWTH INDEX FUND	−430	19,155	$6,471,133
VTI	VANGUARD TOTAL STOCK MARKET INDEX FUND	−262	13,681	$5,119,977
VBR	VANGUARD SMALL-CAP VALUE INDEX FUND	−247	34,444	$7,957,597
SPYV	State Street(R) SPDR(R) Portfolio S&P 500(R) Value ETF	−226	89,357	$5,462,393
IAU	Ishares Gold Trust	−172	27,769	$2,168,758
SCHB	Schwab U.S. Broad Market ETF	−123	79,147	$2,319,798
SLYV	State Street(R) SPDR(R) S & P 600(TM) Small Cap Value ETF	−118	7,993	$816,484
XLK	State Street(R) Technology Select Sector SPDR(R) ETF	−117	1,938	$379,363
VUG	VANGUARD GROWTH INDEX FUND	−99	4,660	$419,912
IWO	iShares Russell 2000 Growth ETF	−31	668	$238,409
BRK-B	Berkshire Hathaway Inc	−7	446	$222,085
VTV	VANGUARD VALUE INDEX FUND	−4	3,844	$830,611
No positions match the current search.

New Positions

Positions the filer opened this quarter

8 positions

Ticker	Company	Shares	Value
KLAC	Kla Corp	2,786	$543,074
NVDA	Nvidia Corp	2,345	$535,551
MU	Micron Technology Inc	286	$304,621
PLTR	Palantir Technologies Inc.	1,520	$284,316
QQQI	NEOS Nasdaq-100(R) High Income ETF	4,202	$233,421
SPSB	State Street(R) SPDR(R) Portfolio Short Term Corporate Bond ETF	7,472	$221,096
AMZN	Amazon Com Inc	860	$214,269
VOO	VANGUARD 500 INDEX FUND	299	$209,557
No positions match the current search.

Sold Out

Positions the filer fully exited

2 positions

Ticker	Company	Shares	Value
HD	Home Depot, Inc.	642	$226,420
TJX	Tjx Companies Inc	1,433	$217,099
No positions match the current search.

Portfolio Positions

Compact Export CSV View 13F filing

60 tracked positions · $146,062,357 total · filing declares 60 positions · $148,986,312 · as of Sep 30, 2026

All sectors Communication Services Consumer Cyclical Financial Services Healthcare Industrials Technology

Showing 1–50 of 60 positions by value · page 1 of 2

Ticker	Company	Type	Shares	Δ Shares	Value (USD)	% Δ Value	% of Portfolio
SCHO	Schwab Short-Term U.S. Treasury ETF	Added	690,428	+20,534	$16,473,612	+1.9%	11.28%
SPDW	State Street(R) SPDR(R) Portfolio Developed World ex-US ETF	Added	311,958	+3,297	$15,663,411	+0.7%	10.72%
ITOT	iShares Core S&P Total U.S. Stock Market ETF	Added	91,128	+507	$15,152,763	+1.8%	10.37%
TBLL	Invesco Short Term Treasury ETF	Added	125,697	+3,766	$13,268,575	+3.1%	9.08%
IGSB	iShares 1-5 Year Investment Grade Corporate Bond ETF	Added	162,569	+10,719	$8,328,409	+4.6%	5.70%
VBR	VANGUARD SMALL-CAP VALUE INDEX FUND	Reduced	34,444	-247	$7,957,597	−5.6%	5.45%
VBK	VANGUARD SMALL-CAP GROWTH INDEX FUND	Reduced	19,155	-430	$6,471,133	−9.6%	4.43%
SGOL	abrdn Gold ETF Trust	Added	161,506	+15,021	$6,389,177	+14.1%	4.37%
VWO	VANGUARD EMERGING MARKETS STOCK INDEX FUND	Added	106,547	+729	$6,319,302	+0.0%	4.33%
SPYV	State Street(R) SPDR(R) Portfolio S&P 500(R) Value ETF	Reduced	89,357	-226	$5,462,393	+0.3%	3.74%
VTI	VANGUARD TOTAL STOCK MARKET INDEX FUND	Reduced	13,681	-262	$5,119,977	−0.8%	3.51%
SPYG	State Street(R) SPDR(R) Portfolio S&P 500(R) Growth ETF	Reduced	37,804	-730	$4,652,916	+1.5%	3.19%
VEA	Vanguard FTSE Developed Markets ETF	Reduced	38,327	-3,734	$2,706,269	−9.7%	1.85%
VCSH	VANGUARD SHORT-TERM CORPORATE BOND INDEX FUND	Reduced	33,332	-1,849	$2,574,897	−7.4%	1.76%
AAPL	Apple Inc. Technology	Added	7,338	+813	$2,443,700	+29.4%	1.67%
SCHF	Schwab International Equity ETF	Reduced	86,278	-1,061	$2,370,056	−2.0%	1.62%
SCHB	Schwab U.S. Broad Market ETF	Reduced	79,147	-123	$2,319,798	+1.1%	1.59%
IAU	Ishares Gold Trust	Reduced	27,769	-172	$2,168,758	+2.8%	1.48%
SCHV	Schwab U.S. Large-Cap Value ETF	Reduced	53,265	-4,108	$1,774,257	−11.2%	1.21%
SLYG	State Street(R) SPDR(R) S & P 600(TM) Small Cap Growth ETF	Reduced	11,460	-449	$1,225,876	−13.6%	0.84%
VGT	VANGUARD INFORMATION TECHNOLOGY INDEX FUND	Held	8,992	0	$1,130,024	+5.1%	0.77%
SHY	iShares 1-3 Year Treasury Bond ETF	Added	13,029	+899	$1,057,954	+6.2%	0.72%
SCHG	Schwab U.S. Large-Cap Growth ETF	Reduced	27,146	-2,191	$975,355	−1.8%	0.67%
VTV	VANGUARD VALUE INDEX FUND	Reduced	3,844	-4	$830,611	−1.0%	0.57%
SLYV	State Street(R) SPDR(R) S & P 600(TM) Small Cap Value ETF	Reduced	7,993	-118	$816,484	−7.7%	0.56%
SPY	Spdr S&P 500 ETF Trust	Added	1,017	+143	$775,594	+18.8%	0.53%
GOOGL	Alphabet Inc. Communication Services	Added	2,181	+284	$750,438	+10.7%	0.51%
V	Visa Inc. Financial Services	Added	2,017	+14	$724,768	+5.5%	0.50%
GOOG	Alphabet Inc. Communication Services	Added	2,027	+175	$690,679	+5.5%	0.47%
VTWV	VANGUARD RUSSELL 2000 VALUE INDEX FUND	Held	3,613	0	$667,429	−5.5%	0.46%
MA	Mastercard Inc Financial Services	Added	1,030	+1	$568,014	+7.5%	0.39%
KLAC	Kla Corp Technology	NEW	2,786	NEW	$543,074	NEW	0.37%
NVDA	Nvidia Corp Technology	NEW	2,345	NEW	$535,551	NEW	0.37%
SCHH	Schwab U.S. REIT ETF	Held	24,235	0	$534,139	−6.9%	0.37%
MUB	iShares National Muni Bond ETF	Added	4,257	+1,040	$430,382	+24.3%	0.29%
VUG	VANGUARD GROWTH INDEX FUND	Reduced	4,660	-99	$419,912	+2.4%	0.29%
XLI	State Street(R) Industrial Select Sector SPDR(R) ETF	Held	2,377	0	$396,911	−9.9%	0.27%
SPEM	State Street(R) SPDR(R) Portfolio Emerging Markets ETF	Held	7,412	0	$383,645	−0.0%	0.26%
XLK	State Street(R) Technology Select Sector SPDR(R) ETF	Reduced	1,938	-117	$379,363	−3.1%	0.26%
XLV	State Street(R) Health Care Select Sector SPDR(R) ETF	Held	2,236	0	$376,587	+6.2%	0.26%
XLY	State Street(R) Consumer Discretionary Select Sector SPDR(R) ETF	Held	3,352	0	$364,831	−7.2%	0.25%
ITM	VanEck Intermediate Muni ETF	Held	7,552	0	$332,288	−6.4%	0.23%
VOX	VANGUARD COMMUNICATION SERVICES INDEX FUND	Held	1,635	0	$311,614	+3.6%	0.21%
MU	Micron Technology Inc Technology	NEW	286	NEW	$304,621	NEW	0.21%
JNJ	Johnson & Johnson Healthcare	Held	1,082	0	$286,448	+4.2%	0.20%
PLTR	Palantir Technologies Inc. Technology	NEW	1,520	NEW	$284,316	NEW	0.19%
FAST	Fastenal Co Industrials	Held	5,694	0	$282,023	+3.1%	0.19%
XLU	State Street(R) Utilities Select Sector SPDR(R) ETF	Held	6,652	0	$262,354	−13.0%	0.18%
AZO	Autozone Inc Consumer Cyclical	Held	89	0	$251,871	−11.4%	0.17%
IWO	iShares Russell 2000 Growth ETF	Reduced	668	-31	$238,409	−13.4%	0.16%

Showing the top 50 of 60 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.