RETIREMENT FINANCIAL SOLUTIONS, LLC

RIA/Wealth

RETIREMENT FINANCIAL SOLUTIONS, LLC is a RIA/Wealth based in Beaumont, TX led by Clark Calvin Shofner, managing $163.7M across 39 long positions as of Q3 2025 with 96% ETF concentration and 77% concentrated in top 10 holdings.

Managing PartnerClark Calvin Shofner

Portfolio Value: $163.7M
Positions: 39
Top Holding: SPLG at 10.57%
Last Reported: Q3 2025

Address1090 Longfellow Dr., Beaumont, TX, 77706, United States

Top Holdings

Largest long holdings in RETIREMENT FINANCIAL SOLUTIONS, LLC's portfolio (77.2% of total portfolio)

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Holding	Sector	Position	Weight	Traded	Ownership	Owned Since
1 SPDR Portfolio S&P 500 ETF SPLG	ETF ETF	$17.3M	10.57%	-$2.4M Sold	— 220.9K shares	Q4 2023 Held for 1y 11m
2 SPDR Portfolio S&P 400 Mid Cap ETF SPMD	ETF ETF	$16.1M	9.83%	+$16.1M New	— 281.3K shares	Q3 2025 Held for 2 months
3 Avantis U.S. Small Cap Equity AVSC	ETF ETF	$16.1M	9.83%	+$16.1M New	— 280.9K shares	Q3 2025 Held for 2 months
4 Avantis U.S. Small Cap Value AVUV	ETF ETF	$15.9M	9.69%	+$15.9M New	— 159.3K shares	Q3 2025 Held for 2 months
5 Invesco NASDAQ Next Gen 100 ETF QQQJ	ETF ETF	$12.1M	7.40%	+$12.1M New	— 338.5K shares	Q3 2025 Held for 2 months
6 Vanguard FTSE Emerging Markets VWO	ETF ETF	$11.8M	7.21%	+$11.8M Bought	— 217.7K shares	Q3 2025 Held for 2 months
7 iShares 7-10 Year Treasury Bond IEF	ETF ETF	$10.7M	6.56%	-$2.7M Sold	— 111.3K shares	Q4 2022 Held for 2y 11m
8 Vanguard Long-Term Treasury VGLT	ETF ETF	$9.5M	5.79%	+$9.5M Bought	— 166.7K shares	Q3 2025 Held for 2 months
9 Schwab US Dividend Equity SCHD	ETF ETF	$8.6M	5.28%	+$8.6M New	— 316.8K shares	Q3 2025 Held for 2 months
10 WisdomTree Europe Hedged Equity HEDJ	ETF ETF	$8.3M	5.08%	-$243.8K Sold	— 165.1K shares	Q4 2022 Held for 2y 11m

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Changes

Portfolio activity, position movements, and quarter-over-quarter changes in RETIREMENT FINANCIAL SOLUTIONS, LLC's latest filing

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Market Value

$163.7M

Prior: $161.2M

Q/Q Change

+1.52%

+$2.5M

Net Flows % of MV

-15.96%

Turnover Ratio

62.23%

New Purchases

8 stocks

$75.8M

Added To

10 stocks

+$99.5K

Sold Out Of

10 stocks

$88.5M

Reduced Holdings

14 stocks

-$13.5M

Increased Positions

Position	Shares Δ	Change
1 SPDR Portfolio S&P 400 Mid Cap ETF SPMD	New	0 → 281.3K +$16.1M
2 Avantis U.S. Small Cap Equity AVSC	New	0 → 280.9K +$16.1M
3 Avantis U.S. Small Cap Value AVUV	New	0 → 159.3K +$15.9M
4 Invesco NASDAQ Next Gen 100 ETF QQQJ	New	0 → 338.5K +$12.1M
5 Schwab US Dividend Equity SCHD	New	0 → 316.8K +$8.6M

Decreased Positions

Position	Shares Δ	Change
1 Vanguard Mid-Cap Fund VO	Sold	57.3K → 0 −$16.0M
2 Vanguard Small-Cap Value VBR	Sold	77.0K → 0 −$15.0M
3 SPDR Portfolio S&P 600 Small Cap ETF SPSM	Sold	346.3K → 0 −$14.8M
4 Invesco NASDAQ 100 ETF QQQM	Sold	56.9K → 0 −$12.9M
5 iShares MSCI Emerging Markets EEM	Sold	236.8K → 0 −$11.4M