SEC Filing Analysis: RTD Financial Advisors, Inc. (13F-HR)

Executive Summary

• Trading Significance: Medium
• Key Takeaway: RTD Financial Advisors, Inc. reported $832 million in assets under management across 107 holdings, with a clear strategic focus on diversified, low-cost Exchange Traded Funds (ETFs) for the quarter ending September 30, 2025.
• Portfolio Strategy: The holdings suggest a balanced and diversified approach, utilizing a core-satellite strategy with large allocations to broad market index ETFs (S&P 500, Total Bond Market) supplemented by individual stock positions in blue-chip companies.

Filer Information

Field	Value
Filer Name	RTD Financial Advisors, Inc.
CIK	0001810555
Business Address	30 S. 17th Street, Suite 1620, Philadelphia, PA 19103

Filing Summary

Field	Value
Form Type	13F-HR (Holdings Report)
Filing Date	2025-10-14
Period of Report	2025-09-30
Total Holdings Value	$832,079,738
Total Number of Holdings	107
SEC File Number	028-22440

Portfolio Analysis

This 13F-HR filing provides a quarterly snapshot of the filer's long positions in publicly traded securities. It is not a record of a specific insider transaction but rather a comprehensive portfolio disclosure.

Top 5 Holdings by Value

1. ISHARES TR, CORE S&P500 ETF (IVV): $94,692,198
2. VANGUARD BD INDEX FDS, TOTAL BND MRKT (BND): $49,468,654
3. ISHARES TR, RUS 1000 GRW ETF (IWF): $45,368,379
4. INVESCO ACTIVELY MANAGED EXC, TOTAL RETURN: $41,665,938
5. ISHARES TR, CORE S&P MCP ETF (IJH): $41,131,303

Investment Strategy Insights

• Dominance of ETFs: The portfolio is overwhelmingly composed of ETFs from major providers like iShares (BlackRock) and Vanguard. This indicates a strategy focused on diversification, asset allocation, and cost-efficiency over individual stock picking.
• Core-Satellite Approach: The largest positions are in core U.S. equity and bond market ETFs, forming a stable base. This is supplemented by smaller, more targeted positions in specific sectors (e.g., healthcare, technology), international markets, and individual stocks (e.g., Apple, Microsoft, Berkshire Hathaway).
• No Concentrated Bets: With 107 holdings and the largest position representing about 11.4% of the portfolio, the firm avoids highly concentrated bets, aligning with a typical risk-managed advisory model.
• Limited Individual Stock Exposure: While positions in major companies like Apple, Alphabet, and Microsoft exist, they are significantly smaller than the core ETF holdings, suggesting they are used to add specific factor exposure or alpha potential rather than forming the portfolio's foundation.

Market Context

• A 13F filing is a mandatory report for institutional investment managers with over $100 million in qualifying assets. It provides transparency into the holdings of large financial entities.
• This data is backward-looking, reflecting positions held at the end of the previous quarter. It does not show intra-quarter trades, short positions, or holdings in non-US securities that are not traded on US exchanges.
• Analysts and investors use 13F data to track institutional sentiment, identify popular stocks among 'smart money', and understand the investment theses of large firms.

Key Takeaways

1. Diversified Strategy: RTD Financial Advisors employs a highly diversified investment strategy, relying on broad-market ETFs as the cornerstone of its portfolio.
2. Risk Management Focus: The wide distribution of assets across 107 holdings and the significant allocation to bond ETFs point to a focus on risk management and capital preservation.
3. Passive Over Active: The preference for index-tracking ETFs over a large portfolio of individual stocks suggests a belief in passive or semi-passive investment strategies for achieving market returns.

---

IMPORTANT DISCLAIMER: This analysis is for informational purposes only and is not intended as investment advice. The information presented is based on publicly available SEC filings and should not be construed as a recommendation to buy, sell, or hold any securities. Past performance does not guarantee future results. All investments carry risk, including the potential loss of principal. Please consult with a qualified financial advisor before making any investment decisions.

Analysis generated on 2025-10-14 | Data source: SEC EDGAR