Clear Retirement Advice LLC

All Holdings — 2025 Q4

AI Portfolio Summary
In 2025 Q4, Clear Retirement Advice LLC maintained a portfolio of 53 distinct positions. The most significant new addition to the portfolio was SCHWAB STRATEGIC TR, which now represents 11.16% of the total fund value.
PCA Score Concentration Risk
Risk ENB
Total Positions
53
Quarter
2025 Q4
Top Holding
SCHO (11.2%)
Top 10 Concentration
68.2%
Turnover Rate
23.4%
Sector HHI
0.18
Items per page:
1-25 of 53
Stock History Sector / Type Port % Prev % Rank / Prev Conviction Change % Change Influence Shares Mkt Value Avg Cost Price Held 1st Owned Source Source Date Date Reported
SCHO
SCHWAB STRATEGI...
ETF 11.16% #1
Prev: #—
6.5 588,651 no change
NEW
588,651 $14,345,418 2025 Q4 13F Filing 2025-12-31 2026-02-14 (Est.)
SPDW
SPDR INDEX SHS ...
ETF 10.32% #2
Prev: #—
6.1 279,687 no change
NEW
279,687 $13,271,160 2025 Q4 13F Filing 2025-12-31 2026-02-14 (Est.)
ITOT
ISHARES TR
ETF 9.56% #3
Prev: #—
5.8 82,006 no change
NEW
82,006 $12,291,805 2025 Q4 13F Filing 2025-12-31 2026-02-14 (Est.)
TBLL
INVESCO EXCH TR...
Unknown 9.20% #4
Prev: #—
5.7 111,906 no change
NEW
111,906 $11,824,005 2025 Q4 13F Filing 2025-12-31 2026-02-14 (Est.)
VBR
VANGUARD INDEX ...
ETF 5.76% #5
Prev: #—
4.3 32,436 no change
NEW
32,436 $7,407,040 2025 Q4 13F Filing 2025-12-31 2026-02-14 (Est.)
IGSB
ISHARES TR
ETF 5.46% #6
Prev: #—
4.2 132,830 no change
NEW
132,830 $7,021,387 2025 Q4 13F Filing 2025-12-31 2026-02-14 (Est.)
VBK
VANGUARD INDEX ...
ETF 4.50% #7
Prev: #—
3.8 18,663 no change
NEW
18,663 $5,782,809 2025 Q4 13F Filing 2025-12-31 2026-02-14 (Est.)
SGOL
ETFS GOLD TR
ETF 4.38% #8
Prev: #—
3.8 119,652 no change
NEW
119,652 $5,632,020 2025 Q4 13F Filing 2025-12-31 2026-02-14 (Est.)
VWO
VANGUARD INTL E...
ETF 4.27% #9
Prev: #—
3.7 97,260 no change
NEW
97,260 $5,486,432 2025 Q4 13F Filing 2025-12-31 2026-02-14 (Est.)
VTI
VANGUARD INDEX ...
ETF 3.55% #10
Prev: #—
3.4 13,473 no change
NEW
13,473 $4,557,242 2025 Q4 13F Filing 2025-12-31 2026-02-14 (Est.)
SPYV
SPDR SERIES TRU...
Unknown 3.53% #11
Prev: #—
3.4 77,367 no change
NEW
77,367 $4,536,811 2025 Q4 13F Filing 2025-12-31 2026-02-14 (Est.)
SPYG
SPDR SERIES TRU...
Unknown 2.94% #12
Prev: #—
3.2 36,322 no change
NEW
36,322 $3,777,137 2025 Q4 13F Filing 2025-12-31 2026-02-14 (Est.)
VEA
VANGUARD TAX-MA...
ETF 2.23% #13
Prev: #—
2.9 42,956 no change
NEW
42,956 $2,869,461 2025 Q4 13F Filing 2025-12-31 2026-02-14 (Est.)
VCSH
VANGUARD SCOTTS...
ETF 2.02% #14
Prev: #—
2.8 32,538 no change
NEW
32,538 $2,593,604 2025 Q4 13F Filing 2025-12-31 2026-02-14 (Est.)
IAU
ISHARES GOLD TR
ETF 2.00% #15
Prev: #—
2.8 28,347 no change
NEW
28,347 $2,566,254 2025 Q4 13F Filing 2025-12-31 2026-02-14 (Est.)
SCHF
SCHWAB STRATEGI...
Bond/Debt 1.81% #16
Prev: #—
2.7 90,634 no change
NEW
90,634 $2,331,106 2025 Q4 13F Filing 2025-12-31 2026-02-14 (Est.)
SCHV
SCHWAB STRATEGI...
ETF 1.51% #17
Prev: #—
2.6 61,245 no change
NEW
61,245 $1,934,730 2025 Q4 13F Filing 2025-12-31 2026-02-14 (Est.)
SCHB
SCHWAB STRATEGI...
ETF 1.47% #18
Prev: #—
2.6 71,659 no change
NEW
71,659 $1,894,664 2025 Q4 13F Filing 2025-12-31 2026-02-14 (Est.)
IEMG
ISHARES INC
ETF 1.47% #19
Prev: #—
2.6 26,346 no change
NEW
26,346 $1,893,470 2025 Q4 13F Filing 2025-12-31 2026-02-14 (Est.)
SLYG
SPDR SERIES TRU...
ETF 0.86% #20
Prev: #—
2.3 11,214 no change
NEW
11,214 $1,110,893 2025 Q4 13F Filing 2025-12-31 2026-02-14 (Est.)
SCHG
SCHWAB STRATEGI...
ETF 0.69% #21
Prev: #—
2.3 28,580 no change
NEW
28,580 $888,254 2025 Q4 13F Filing 2025-12-31 2026-02-14 (Est.)
AAPL
APPLE INC
Unknown 0.68% #22
Prev: #—
2.3 3,147 no change
NEW
3,147 $870,114 2025 Q4 13F Filing 2025-12-31 2026-02-14 (Est.)
SLYV
SPDR SERIES TRU...
Unknown 0.64% #23
Prev: #—
2.3 8,321 no change
NEW
8,321 $822,448 2025 Q4 13F Filing 2025-12-31 2026-02-14 (Est.)
VGT
VANGUARD WORLD ...
ETF 0.63% #24
Prev: #—
2.3 1,124 no change
NEW
1,124 $811,247 2025 Q4 13F Filing 2025-12-31 2026-02-14 (Est.)
VTV
VANGUARD INDEX ...
ETF 0.61% #25
Prev: #—
2.2 3,851 no change
NEW
3,851 $784,064 2025 Q4 13F Filing 2025-12-31 2026-02-14 (Est.)
Showing 1-25 of 53 holdings

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