RETIREMENT CAPITAL STRATEGIES

RIA/Wealth

RETIREMENT CAPITAL STRATEGIES is a RIA/Wealth based in San Jose, CA led by Thomas Earl Vaughan, reporting $295.5M in AUM as of Q3 2025 with 88% ETF concentration and 60% concentrated in top 10 holdings.

CEOThomas Earl Vaughan

Portfolio Value: $260.7M
Positions: 62
Top Holding: VT at 12.34%
Last Reported: Q3 2025

Address1190 Saratoga Ave., Suite 140, San Jose, CA, 95129, United States

Top Holdings

Largest long holdings in RETIREMENT CAPITAL STRATEGIES's portfolio (60.2% of total portfolio)

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Holding	Sector	Position	Weight	Traded	Ownership	Owned Since
1 Vanguard Total World Stock VT	ETF ETF	$32.2M	12.34%	-$546.0K Sold	— 233.5K shares	Q2 2025 Held for 5 months
2 Vanguard Total Stock Market VTI	ETF ETF	$29.0M	11.11%	+$5.0M Bought	— 88.3K shares	Q3 2018 Held for 7y 2m
3 Vanguard Intermediate-Term Bond BIV	ETF ETF	$17.8M	6.83%	+$19.1K Bought	— 228.0K shares	Q1 2024 Held for 1y 8m
4 iShares Core U.S. Aggregate Bond AGG	ETF ETF	$17.4M	6.68%	-$189.4K Sold	— 173.7K shares	Q3 2024 Held for 1y 2m
5 Vanguard S&P 500 ETF VOO	ETF ETF	$14.7M	5.66%	-$873.9K Sold	— 24.1K shares	Q4 2013 Held for 11y 11m
6 SPDR Portfolio S&P 1500 Composite Stock Market ETF SPTM	ETF ETF	$10.9M	4.17%	-$407.1K Sold	— 134.7K shares	Q2 2023 Held for 2y 5m
7 SPDR S&P 500 ESG ETF EFIV	ETF ETF	$10.7M	4.11%	-$463.5K Sold	— 168.3K shares	Q4 2022 Held for 2y 11m
8 iShares Core Total USD Bond Market IUSB	ETF ETF	$8.7M	3.35%	-$105.9K Sold	— 187.1K shares	Q4 2023 Held for 1y 11m
9 Vanguard Total Bond Market BND	ETF ETF	$8.5M	3.26%	+$740.1K Bought	— 114.2K shares	Q4 2014 Held for 10y 11m
10 Apple AAPL	Consumer Electronics Technology	$7.0M	2.68%	-$23.2K Sold	0.00% 27.4K shares	Q4 2017 Held for 7y 11m

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Changes

Portfolio activity, position movements, and quarter-over-quarter changes in RETIREMENT CAPITAL STRATEGIES's latest filing

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Market Value

$260.7M

Prior: $252.4M

Q/Q Change

+3.29%

+$8.3M

Net Flows % of MV

-1.39%

Turnover Ratio

3.49%

New Purchases

0 stocks

Added To

11 stocks

+$7.3M

Sold Out Of

2 stocks

$1.5M

Reduced Holdings

30 stocks

-$9.4M

Increased Positions

Position	Shares Δ	Change
1 General Electric GEV	+38.22%	505.0 → 698.0 +$118.5K
2 iShares Short Treasury Bond SHV	+28.26%	11.5K → 14.8K +$359.9K
3 Vanguard Total Stock Market VTI	+20.97%	73.0K → 88.3K +$5.0M
4 Vanguard ESG U.S. Stock ESGV	+13.67%	31.7K → 36.0K +$513.0K
5 Vanguard Total Bond Market BND	+9.55%	104.3K → 114.2K +$740.1K

Decreased Positions

Position	Shares Δ	Change
1 iShares National Muni Bond MUB	Sold	11.2K → 0 −$1.2M
2 iShares 0-5 Year TIPS Bond STIP	Sold	3.1K → 0 −$315.5K
3 US Treasury 3 Month Bill ETF TBIL	-51.4%	217.1K → 105.5K −$5.6M
4 iShares 1-3 Year Treasury Bond SHY	-39.53%	10.1K → 6.1K −$330.3K
5 Intel INTC	-7.15%	14.0K → 13.0K −$33.5K