RCS Financial Planning, LLC

RIA/Wealth

RCS Financial Planning, LLC is a RIA/Wealth based in Bellingham, WA led by Thaddeus Norman Toal, reporting $241.3M in AUM as of Q3 2025 with 94% ETF concentration and 54% concentrated in top 10 holdings.

Managing PartnerThaddeus Norman Toal

Portfolio Value: $224.1M
Positions: 90
Top Holding: DFAC at 12.8%
Last Reported: Q3 2025

Address11 Bellwether Way, Suite 301, Bellingham, WA, 98225-2956, United States

Top Holdings

Largest long holdings in RCS Financial Planning, LLC's portfolio (53.7% of total portfolio)

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GthenH

Holding	Sector	Position	Weight	Traded	Ownership	Owned Since
1 Dimensional U.S. Core Equity 2 DFAC	ETF ETF	$28.7M	12.80%	-$1.1M Sold	— 743.6K shares	Q4 2022 Held for 2y 11m
2 DFCF Dimensional Core Fixed Income DFCF	ETF ETF	$17.2M	7.67%	+$125.6K Bought	— 402.2K shares	Q4 2022 Held for 2y 11m
3 Fidelity Total Bond FBND	ETF ETF	$16.7M	7.43%	+$811.5K Bought	— 358.8K shares	Q4 2024 Held for 11 months
4 Dimensional International Core Equity 2 DFIC	ETF ETF	$10.7M	4.79%	-$540.8K Sold	— 327.2K shares	Q4 2022 Held for 2y 11m
5 Dimensional US High Profitability DUHP	ETF ETF	$10.0M	4.48%	+$204.7K Bought	— 265.9K shares	Q4 2022 Held for 2y 11m
6 Dimensional US Small Cap Value DFSV	ETF ETF	$9.8M	4.39%	+$94.7K Bought	— 308.9K shares	Q4 2022 Held for 2y 11m
7 iShares Core S&P 500 ETF IVV	ETF ETF	$8.1M	3.62%	+$251.0K Bought	— 12.1K shares	Q4 2022 Held for 2y 11m
8 DFSD Dimensional Short-Duration Fixed Income DFSD	ETF ETF	$7.5M	3.35%	-$333.6K Sold	— 156.0K shares	Q4 2022 Held for 2y 11m
9 iShares Core Total USD Bond Market IUSB	ETF ETF	$5.9M	2.61%	-$254.2K Sold	— 125.5K shares	Q4 2022 Held for 2y 11m
10 Fidelity Low Duration Bond Factor FLDR	ETF ETF	$5.6M	2.52%	+$609.9K Bought	— 112.1K shares	Q4 2024 Held for 11 months

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GthenH

Changes

Portfolio activity, position movements, and quarter-over-quarter changes in RCS Financial Planning, LLC's latest filing

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GthenC

Market Value

$224.1M

Prior: $200.5M

Q/Q Change

+11.76%

+$23.6M

Net Flows % of MV

+5.74%

Turnover Ratio

5.46%

New Purchases

10 stocks

$8.1M

Added To

40 stocks

+$10.5M

Sold Out Of

2 stocks

$595.0K

Reduced Holdings

29 stocks

-$5.2M

Increased Positions

Position	Shares Δ	Change
1 CrowdStrike Holdings, Inc. CRWD	New	0 → 8.0K +$3.9M
2 iShares U.S. Aerospace & Defense ITA	New	0 → 3.7K +$780.1K
3 iShares ESG Aware USD Corporate Bond ETF SUSC	New	0 → 29.3K +$689.5K
4 iShares ESG Aware U.S. Aggregate Bond EAGG	New	0 → 13.5K +$650.2K
5 iShares MSCI KLD 400 Social ETF DSI	New	0 → 4.3K +$539.8K

Decreased Positions

Position	Shares Δ	Change
1 Vanguard Total Bond Market BND	Sold	5.2K → 0 −$380.4K
2 iShares MSCI Emerging Markets ex China EMXC	Sold	3.4K → 0 −$214.6K
3 iShares U.S. Technology IYW	-58.48%	8.3K → 3.5K −$953.2K
4 iShares MSCI EAFE Growth EFG	-53.2%	16.9K → 7.9K −$1.0M
5 iShares Europe IEV	-25.69%	4.2K → 3.1K −$69.9K