RICHARDSON FINANCIAL SERVICES INC.

MEDWAY, MA · CIK 2012303 · 13F filing filed 2024-10-24

No investment adviser registration (Form ADV) found for this filer. It may be a parent company whose subsidiaries are the registered advisers, a bank or insurer, or a manager based outside the US.

$157.4m reported value +13.3% vs Q2 2024

600positions

31.3%in top 10

12 new 291 added 3 reduced 0 sold out vs Q2 2024

This report includes the holdings of 3 other managers that share the investment decisions:

Clark Capital Management Group, Inc. – files its own report too
ENVESTNET ASSET MANAGEMENT INC – files its own report too
Rochdale Investment Management LLC – no 13F of its own this quarter

Shares in two reports are counted once in each security's totals.

Holdings, Q3 2024

The small lines show how much was held over the last 4 quarters (adjusted for stock splits).

#	Security	Ticker	Shares	Value	% of portfolio	Change	Shares change
1	VANGUARD INDEX FDS GROWTH ETF VUG	VUG	20,173	$7.6m4.83%	4.83%	Added +5.0k	+4,973 32.7%
2	VANGUARD INDEX FDS VALUE ETF VTV	VTV	46,300	$7.6m4.80%	4.80%	Added +8.8k	+8,825 23.6%
3	SPDR SERIES TRUST PORTFOLIO S&P500 SPYM	SPYM	101,288	$6.5m4.12%	4.12%	Unchanged
4	APPLE INC COM AAPL	AAPL	26,219	$5.5m3.51%	3.51%	Added +34	+34 0.1%
5	VANGUARD INDEX FDS S&P 500 ETF SHS VOO	VOO	9,401	$4.8m3.05%	3.05%	Added +3.9k	+3,851 69.4%
6	VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT VEA	VEA	90,138	$4.6m2.93%	2.93%	Added +45.5k	+45,474 101.8%
7	SPDR INDEX SHS FDS PORTFOLIO DEVLPD SPDW	SPDW	125,996	$4.4m2.81%	2.81%	Added +1.6k	+1,627 1.3%
8	SPDR INDEX SHS FDS PORTFOLIO EMG MK SPEM	SPEM	81,253	$3.1m1.95%	1.95%	Added +2.0k	+2,030 2.6%
9	NVIDIA CORPORATION COM NVDA	NVDA	21,606	$2.7m1.70%	1.70%	Added +307	+307 1.4%
10	MICROSOFT CORP COM MSFT	MSFT	5,706	$2.5m1.62%	1.62%	Added +33	+33 0.6%
11	ISHARES TR IBOXX HI YD ETF HYG	HYG	30,450	$2.3m1.49%	1.49%	Unchanged
12	VANGUARD MUN BD FDS TAX EXEMPT BD VTEB	VTEB	44,954	$2.3m1.45%	1.45%	Added +22.5k	+22,477 100.0%
13	ISHARES INC CORE MSCI EMKT IEMG	IEMG	41,894	$2.2m1.43%	1.43%	Added +835	+835 2.0%
14	SPDR S&P 500 ETF TR TR UNIT SPY	SPY	3,874	$2.1m1.36%	1.36%	Added +915	+915 30.9%
15	VANGUARD INDEX FDS SML CP GRW ETF VBK	VBK	7,358	$1.8m1.17%	1.17%	Added +63	+63 0.9%
16	ISHARES TR CORE MSCI EURO IEUR	IEUR	29,723	$1.7m1.08%	1.08%	Added +381	+381 1.3%
17	VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF VWO	VWO	36,362	$1.7m1.06%	1.06%	Added +18.4k	+18,414 102.6%
18	AMAZON COM INC COM AMZN	AMZN	8,520	$1.6m1.05%	1.05%	Added +32	+32 0.4%
19	ALPHABET INC CAP STK CL A GOOGL	GOOGL	8,582	$1.6m0.99%	0.99%	Unchanged
20	ISHARES TR 0-5YR HI YL CP SHYG	SHYG	35,612	$1.5m0.95%	0.95%	Unchanged
21	ISHARES TR CORE MSCI PAC IPAC	IPAC	24,086	$1.5m0.94%	0.94%	Added +811	+811 3.5%
22	SPDR SER TR PORTFOLIO S&P600 SPSM	SPSM	33,153	$1.4m0.88%	0.88%	Added +944	+944 2.9%
23	VANGUARD INDEX FDS SMALL CP ETF VB	VB	6,028	$1.3m0.86%	0.86%	Added +1.7k	+1,674 38.5%
24	VANGUARD INDEX FDS TOTAL STK MKT VTI	VTI	4,784	$1.3m0.84%	0.84%	Added +2.4k	+2,381 99.1%
25	ISHARES TR TRS FLT RT BD TFLO	TFLO	25,760	$1.3m0.83%	0.83%	Added +621	+621 2.5%
26	VANGUARD INDEX FDS SM CP VAL ETF VBR	VBR	6,676	$1.2m0.77%	0.77%	Added +58	+58 0.9%
27	UNITEDHEALTH GROUP INC COM UNH	UNH	2,386	$1.2m0.77%	0.77%	Added +7	+7 0.3%
28	VISA INC COM CL A V	V	4,444	$1.2m0.74%	0.74%	Added +4	+4 0.1%
29	CINTAS CORP COM CTAS	CTAS	1,628	$1.1m0.72%	0.72%	Reduced -4.9k	-4,884 -75.0%
30	SPDR SER TR BLOOMBERG HIGH Y JNK	JNK	11,986	$1.1m0.72%	0.72%	Added +190	+190 1.6%
31	VANGUARD BD INDEX FDS TOTAL BND MRKT BND	BND	15,313	$1.1m0.71%	0.71%	Added +6.9k	+6,882 81.6%
32	COSTCO WHSL CORP NEW COM COST	COST	1,298	$1.1m0.70%	0.70%	Added +2	+2 0.1%
33	JPMORGAN CHASE & CO COM JPM	JPM	5,323	$1.1m0.69%	0.69%	Added +208	+208 4.1%
34	MASTERCARD INCORPORATED CL A MA	MA	2,441	$1.1m0.68%	0.68%	Added +12	+12 0.5%
35	VANGUARD CHARLOTTE FDS TOTAL INT BD ETF BNDX	BNDX	21,759	$1.1m0.68%	0.68%	Added +8.7k	+8,651 66.0%
36	ISHARES TR CORE TOTAL USD IUSB	IUSB	23,066	$1.0m0.66%	0.66%	Unchanged
37	HOME DEPOT INC COM HD	HD	2,945	$1.0m0.64%	0.64%	Unchanged
38	SPDR SERIES TRUST PORTFOLIO S&P400 SPMD	SPMD	19,674	$1.0m0.64%	0.64%	Added +422	+422 2.2%
39	SPDR SER TR PORTFOLIO LN TSR SPTL	SPTL	36,575	$997.4k0.63%	0.63%	Added +963	+963 2.7%
40	ADOBE INC COM ADBE	ADBE	1,791	$995.0k0.63%	0.63%	Unchanged
41	SELECT SECTOR SPDR TR TECHNOLOGY XLK	XLK	4,281	$968.5k0.62%	0.62%	Unchanged
42	SELECT SECTOR SPDR TR ENERGY XLE	XLE	10,423	$950.1k0.60%	0.60%	Unchanged
43	SELECT SECTOR SPDR TR INDL XLI	XLI	7,738	$943.0k0.60%	0.60%	Unchanged
44	SYNOPSYS INC COM SNPS	SNPS	1,532	$911.6k0.58%	0.58%	Unchanged
45	T-MOBILE US INC COM TMUS	TMUS	4,989	$879.0k0.56%	0.56%	Unchanged
46	SSGA ACTIVE ETF TR BLACKSTONE SENR SRLN	SRLN	20,920	$874.4k0.56%	0.56%	Added +283	+283 1.4%
47	THERMO FISHER SCIENTIFIC INC COM TMO	TMO	1,579	$874.3k0.56%	0.56%	Added +17	+17 1.1%
48	PIMCO ETF TR 0-5 HIGH YIELD HYS	HYS	9,307	$862.8k0.55%	0.55%	Unchanged
49	ASML HOLDING N V N Y REGISTRY SHS ASML	ASML	791	$807.8k0.51%	0.51%	Added +6	+6 0.8%
50	VANGUARD STAR FDS VG TL INTL STK F VXUS	VXUS	12,859	$803.9k0.51%	0.51%	Added +6.4k	+6,417 99.6%
51	MCDONALDS CORP COM MCD	MCD	3,143	$801.0k0.51%	0.51%	Unchanged
52	SSGA ACTIVE ETF TR ULT SHT TRM BD ULST	ULST	19,244	$781.8k0.50%	0.50%	Added +9.6k	+9,622 100.0%
53	ISHARES TR JPMORGAN USD EMG EMB	EMB	8,626	$763.2k0.48%	0.48%	Unchanged
54	VANGUARD WELLESLEY INCOME ADMIRAL EQUITY FUNDS VWIAX	VWIAX	12,194	$758.7k0.48%	0.48%	Added +6.1k	+6,097 100.0%
55	QUANTA SVCS INC COM PWR	PWR	2,979	$756.9k0.48%	0.48%	Unchanged
56	SPDR INDEX SHS FDS S&P INTL SMLCP GWX	GWX	23,148	$735.7k0.47%	0.47%	Added +416	+416 1.8%
57	PEPSICO INC COM PEP	PEP	4,426	$730.0k0.46%	0.46%	Unchanged
58	SPDR SER TR PORTFOLIO AGRGTE SPAB	SPAB	27,689	$696.4k0.44%	0.44%	Added +1.6k	+1,610 6.2%
59	TRANE TECHNOLOGIES PLC SHS TT	TT	2,038	$670.4k0.43%	0.43%	Unchanged
60	DISNEY WALT CO COM DIS	DIS	6,481	$643.5k0.41%	0.41%	Unchanged
61	NEXTERA ENERGY INC COM NEE	NEE	9,078	$642.8k0.41%	0.41%	Unchanged
62	VANGUARD INDEX FDS REAL ESTATE ETF VNQ	VNQ	7,596	$638.3k0.41%	0.41%	Added +148	+148 2.0%
63	EOG RES INC COM EOG	EOG	4,959	$624.2k0.40%	0.40%	Added +13	+13 0.3%
64	NXP SEMICONDUCTORS N V COM NXPI	NXPI	2,301	$619.2k0.39%	0.39%	Unchanged
65	SSGA ACTIVE ETF TR SPDR TR TACTIC TOTL	TOTL	15,533	$617.0k0.39%	0.39%	Unchanged
66	ISHARES TR MSCI USA MIN VOL USMV	USMV	7,185	$606.8k0.39%	0.39%	Added +477	+477 7.1%
67	ANHEUSER BUSCH INBEV SA/NV SPONSORED ADR BUD	BUD	10,374	$603.4k0.38%	0.38%	Added +13	+13 0.1%
68	WALMART INC COM WMT	WMT	8,808	$596.4k0.38%	0.38%	Unchanged
69	ISHARES TR CORE S&P MCP ETF IJH	IJH	10,045	$587.8k0.37%	0.37%	Unchanged
70	AMGEN INC COM AMGN	AMGN	1,877	$586.5k0.37%	0.37%	Unchanged
71	SPDR SER TR BLOOMBERG 1-3 MO BIL	BIL	6,360	$583.7k0.37%	0.37%	Added +386	+386 6.5%
72	AMERICAN WTR WKS CO INC NEW COM AWK	AWK	4,450	$574.8k0.37%	0.37%	Unchanged
73	EXXON MOBIL CORP COM XOM	XOM	4,961	$571.1k0.36%	0.36%	Unchanged
74	VANGUARD INTL EQUITY INDEX F FTSE SMCAP ETF VSS	VSS	4,719	$555.2k0.35%	0.35%	Added +92	+92 2.0%
75	LINDE PLC SHS LIN	LIN	1,182	$518.9k0.33%	0.33%	Added +5	+5 0.4%
76	VANECK ETF TRUST HIGH YLD MUNIETF HYD	HYD	9,681	$501.1k0.32%	0.32%	Added +789	+789 8.9%
77	TJX COS INC NEW COM TJX	TJX	4,550	$501.0k0.32%	0.32%	Unchanged
78	PARKER-HANNIFIN CORP COM PH	PH	984	$497.7k0.32%	0.32%	Unchanged
79	VANGUARD WORLD FD MEGA GRWTH IND MGK	MGK	1,583	$497.4k0.32%	0.32%	Unchanged
80	VANGUARD INDEX FDS EXTEND MKT ETF VXF	VXF	2,850	$494.7k0.31%	0.31%	Added +1.0k	+1,037 57.2%
81	AMERICAN TOWER CORP NEW COM AMT	AMT	2,487	$483.4k0.31%	0.31%	Unchanged
82	J P MORGAN EXCHANGE TRADED F BETABUILDERS CDA BBCA	BBCA	7,372	$479.0k0.30%	0.30%	Unchanged
83	BERKSHIRE HATHAWAY INC DEL CL B NEW BRK.B	BRK.B	1,165	$476.6k0.30%	0.30%	Added +50	+50 4.5%
84	ZOETIS INC CL A ZTS	ZTS	2,731	$473.4k0.30%	0.30%	Unchanged
85	SPDR GOLD TR GOLD SHS GLD	GLD	2,143	$462.8k0.29%	0.29%	Added +73	+73 3.5%
86	ISHARES TR CORE MSCI EAFE IEFA	IEFA	6,300	$457.6k0.29%	0.29%	Unchanged
87	VERTEX PHARMACEUTICALS INC COM VRTX	VRTX	966	$452.8k0.29%	0.29%	Added +4	+4 0.4%
88	SALESFORCE INC COM CRM	CRM	1,742	$448.1k0.28%	0.28%	Added +16	+16 0.9%
89	PALO ALTO NETWORKS INC COM PANW	PANW	1,294	$438.7k0.28%	0.28%	Added +4	+4 0.3%
90	TESLA INC COM TSLA	TSLA	2,190	$433.5k0.28%	0.28%	Added +3	+3 0.1%
91	NORTHROP GRUMMAN CORP COM NOC	NOC	987	$430.6k0.27%	0.27%	Added +3	+3 0.3%
92	NOVO-NORDISK A S ADR NVO	NVO	3,012	$429.1k0.27%	0.27%	Added +37	+37 1.2%
93	SPDR SER TR PORTFLI INTRMDIT SPTI	SPTI	15,173	$425.4k0.27%	0.27%	Added +241	+241 1.6%
94	S&P GLOBAL INC COM SPGI	SPGI	950	$423.9k0.27%	0.27%	Added +3	+3 0.3%
95	ROPER TECHNOLOGIES INC COM ROP	ROP	745	$419.9k0.27%	0.27%	Unchanged
96	BROADCOM INC COM AVGO	AVGO	2,507	$414.8k0.26%	0.26%	Reduced -22.0k	-21,973 -89.8%
97	VANGUARD INDEX FDS MCAP GR IDXVIP VOT	VOT	1,800	$413.2k0.26%	0.26%	Unchanged
98	ISHARES TR CORE S&P500 ETF IVV	IVV	738	$410.5k0.26%	0.26%	Added +226	+226 44.1%
99	SPDR SER TR NUVEEN BLMBRG MU TFI	TFI	8,591	$393.7k0.25%	0.25%	Added +649	+649 8.2%
100	SPDR SER TR BLOOMBERG EMERGI EBND	EBND	19,751	$393.6k0.25%	0.25%	Added +518	+518 2.7%