RICHARDSON FINANCIAL SERVICES INC. Q4 2025 Filing

Filed January 22, 2026

Portfolio Value

$309.4M

Holdings

598

Report Date

Q4 2025

Filing Type

13F-HR

All Holdings (598 positions)

#	Stock	Shares	Value	% Portfolio
1	ABJAABB Ltd	14	$144.7M	46.76%
2	SPYMST STR SPDR S&P 500 ETF	101,450	$8.1M	2.63%
3	AAPLAPPLE INC	27,298	$7.4M	2.40%
4	VTVVANGUARD VALUE ETF	26,489	$5.1M	1.63%
5	VUGVANGUARD GROWTH ETF	9,145	$4.5M	1.44%
6	NVDANVIDIA CORP	22,768	$4.2M	1.37%
7	SPDWSPDR DEV WORLD EX-US ETF	90,359	$4.0M	1.30%
8	GOOGLALPHABET INC A	11,735	$3.7M	1.19%
9	MSFTMICROSOFT CORPORATION	6,496	$3.1M	1.02%
10	HYGISHS IBOX $ H/Y CORP ETF	37,756	$3.0M	0.98%
11	SPEMSPDR EMERG MKTS ETF	60,701	$2.8M	0.92%
12	IEURISHARES CORE MSCI EUROPE ETF	38,450	$2.7M	0.88%
13	IEMGISHS CORE MSCI E/MKT ETF	35,054	$2.4M	0.76%
14	AMZNAMAZON.COM INC	9,498	$2.2M	0.71%
15	VOOVanguard S&P 500 ETF	3,693	$2.1M	0.69%
16	VWOVanguard FTSE Emerging Markets ETF	18,392	$2.1M	0.69%
17	VYMVanguard High Dividend Yield ETF	1,527	$2.0M	0.64%
18	VBKVANGUARD SMALL CAP GROWTH ETF	6,305	$1.9M	0.62%
19	JPMJPMORGAN CHASE & CO	5,106	$1.6M	0.53%
20	SHYGISHARES 0-5 YEAR HIGH YIELD CORP ETF	38,026	$1.6M	0.53%
21	VBRVANGUARD SMALL CAP VALUE ETF	7,641	$1.6M	0.52%
22	SPSMST STR SPDR S&P 600 ETF	30,127	$1.4M	0.46%
23	VWIAXVanguard Wellesley Income Admiral	6,538	$1.4M	0.45%
24	MAMASTERCARD INC A	2,437	$1.4M	0.45%
25	IPACISHARES CORE MSCI PACIFIC ETF	18,765	$1.4M	0.44%
26	VOOVANGUARD S&P 500	1,828	$1.1M	0.37%
27	AVGOBROADCOM INC	3,149	$1.1M	0.35%
28	SPTLST STR SPDR LNG TERM ETF	40,839	$1.1M	0.35%
29	SPMDST STR SPDR S&P 400 ETF	18,632	$1.1M	0.35%
30	MGKVNGRD MEGA CAP GRWTH ETF	2,586	$1.1M	0.34%
31	METAMETA PLATFORMS INC A	1,590	$1.0M	0.34%
32	HDHOME DEPOT INC	3,047	$1.0M	0.34%
33	IUSBISHS CORE UNVL USD ETF	22,410	$1.0M	0.34%
34	MCDMCDONALDS CORP	3,408	$1.0M	0.34%
35	VEAVanguard FTSE Developed Markets ETF	44,637	$1.0M	0.33%
36	TSLATESLA INC	2,268	$1.0M	0.33%
37	SPYSPDR S&P 500 ETF	1,469	$1.0M	0.32%
38	BBUSJPMORGAN BETABUILDERS US EQY ETF	8,048	$991K	0.32%
39	TMUST-MOBILE US, INC.	4,869	$988K	0.32%
40	CITCINTAS CORP	5,058	$951K	0.31%
41	SRLNST STR BLACKSTONE LN ETF	22,959	$946K	0.31%
42	ISRGINTUITIVE SURGICAL NEW	1,658	$938K	0.30%
43	VUGVanguard Growth ETF	4,706	$936K	0.30%
44	WMTWALMART INC	8,229	$916K	0.30%
45	XLCCOMMUNICATION SVCS SELECT SECTOR SPDR	7,682	$902K	0.29%
46	COSTCOSTCO WHOLESALE CORP	1,015	$875K	0.28%
47	XLKTECH SEL SECT SPDR ETF	6,053	$870K	0.28%
48	XLFICONS STPLS SEL SPDR ETF	11,187	$868K	0.28%
49	TMOTHERMO FISHER SCIENTIFIC	1,494	$865K	0.28%
50	AMDADVANCED MICRO DEVICES	3,850	$824K	0.27%
51	TTTRANE TECHNOLOGIES PLC	2,048	$797K	0.26%
52	TJXTJX COS INC NEW	5,123	$786K	0.25%
53	VBVANGUARD SMALL CAP ETF	3,044	$784K	0.25%
54	GWXSPDR S&P INTL SMCP ETF	18,957	$773K	0.25%
55	VNQVNGRD REAL EST INDX ETF	8,526	$753K	0.24%
56	LLYELI LILLY & CO	694	$745K	0.24%
57	BNDXVanguard Total International Bond ETF	9,553	$699K	0.23%
58	SNPSSYNOPSYS INC	1,478	$694K	0.22%
59	NEENEXTERA ENERGY INC	8,505	$682K	0.22%
60	COFCAPITAL ONE FINL CORP	2,812	$681K	0.22%
61	IWMISHS RUSS 2000 INDX ETF	2,725	$670K	0.22%
62	JNKST STR BLMBRG H/Y ETF	6,777	$657K	0.21%
63	MGVVNGRD MEGA CAP VAL ETF	4,627	$653K	0.21%
64	VTVVanguard Value ETF	8,663	$649K	0.21%
65	BNDVanguard Total Bond Market ETF	7,578	$633K	0.20%
66	EMBISHARES JPMORGAN USD EMERG MARKETS BOND	6,576	$632K	0.20%
67	VTIVanguard Total Stock Market ETF	2,158	$621K	0.20%
68	LINLINDE PLC NEW	1,432	$609K	0.20%
69	IJHISHARES CORE S&P MID CAP ETF	9,203	$607K	0.20%
70	HYSPIMCO 0-5Y H/Y CORP ETF	6,275	$594K	0.19%
71	CERYSPDR BLOOMBERG ENCD RL YLD CM ETF	20,724	$590K	0.19%
72	IWRISHARES RUSSELL MID CAP ETF	6,034	$580K	0.19%
73	CRMSALESFORCE INC	2,176	$576K	0.19%
74	AWCAMER WATER WORKS COMPANY	4,280	$558K	0.18%
75	BRK/BBERKSHIRE HATHAWAY, INC. CL B	1,109	$557K	0.18%
76	NOCNORTHROP GRUMMAN CORP	938	$534K	0.17%
77	AQLTISHS CORE MSCI EAFE ETF	5,885	$526K	0.17%
78	VTEBVanguard Tax-Exempt Bond ETF	19,777	$519K	0.17%
79	EOGEOG RESOURCES INC	4,893	$513K	0.17%
80	VSSVNGRD ALL WRLD SMCP ETF	3,600	$513K	0.17%
81	VVISA INC CL A	1,465	$512K	0.17%
82	PANWPALO ALTO NETWORKS INC	2,773	$510K	0.16%
83	CMECME GROUP INC CL A	1,831	$500K	0.16%
84	BBCAJPM BETABLDR CDA ETF	5,362	$497K	0.16%
85	FLCHFRANKLIN FTSE CHINA ETF	20,721	$492K	0.16%
86	BBINJPM BETABLDR INTL EQ ETF	6,641	$479K	0.15%
87	GQ9SPDR GOLD TRUST GOLD ETF	1,203	$475K	0.15%
88	XLSRSPDR SSGA US Sector Rotation ETF	1,724	$458K	0.15%
89	VBKVanguard Small-Cap Growth ETF	50	$453K	0.15%
90	PHPARKER HANNIFIN CORP	511	$448K	0.14%
91	SPABST STR AGGREGATE BD ETF	17,074	$438K	0.14%
92	VRTXVERTEX PHARMS INC	952	$431K	0.14%
93	USMVISHS USA MIN VOL FCT ETF	4,588	$430K	0.14%
94	SPYSPDR S&P 500 ETF Trust	867	$428K	0.14%
95	EQIXEQUINIX, INC.	552	$422K	0.14%
96	IBMINTL BUSINESS MACHS CORP	1,429	$422K	0.14%
97	JGLOJPMORGAN GLOBAL SELECT EQUITY ETF	6,241	$422K	0.14%
98	VNQIVNGRD US R/EST IDX ETF	8,938	$409K	0.13%
99	WMBWILLIAMS COS INC DEL	6,776	$406K	0.13%
100	VLTOVeralto Corp	1	$403K	0.13%

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