RICHARDSON FINANCIAL SERVICES INC.

MEDWAY, MA · CIK 2012303 · 13F filing filed 2025-01-24

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.

$142.3m reported value -9.6% vs Q3 2024

606positions

30.1%in top 10

77 new 125 added 378 reduced 71 sold out vs Q3 2024

This report includes the holdings of 7 other managers that share the investment decisions:

ASSETMARK, INC – files its own report too
Clark Capital Management Group, Inc. – files its own report too
ENVESTNET ASSET MANAGEMENT INC – files its own report too
JPMORGAN CHASE & CO – files its own report too
RBC Rochdale, LLC – reports through this filing
New Frontier Advisors, LLC – no 13F of its own this quarter
State Street Global Advisors – no 13F of its own this quarter

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

Holdings, Q4 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	SPDR SERIES TRUST PORTFOLIO S&P500 SPYM	SPYM	100,056	$6.9m4.87%	4.87%	Reduced -1.2k	-1,232 -1.2%
2	APPLE INC COM AAPL	AAPL	26,623	$6.7m4.72%	4.72%	Added +404	+404 1.5%
3	VANGUARD INDEX FDS VALUE ETF VTV	VTV	37,383	$6.3m4.44%	4.44%	Reduced -8.9k	-8,917 -19.3%
4	VANGUARD INDEX FDS GROWTH ETF VUG	VUG	14,984	$6.2m4.35%	4.35%	Reduced -5.2k	-5,189 -25.7%
5	NVIDIA CORPORATION COM NVDA	NVDA	22,420	$3.1m2.17%	2.17%	Added +814	+814 3.8%
6	VANGUARD INDEX FDS S&P 500 ETF SHS VOO	VOO	5,550	$3.0m2.10%	2.10%	Reduced -3.9k	-3,851 -41.0%
7	SPDR INDEX SHS FDS PORTFOLIO EMG MK SPEM	SPEM	77,473	$3.0m2.10%	2.10%	Reduced -3.8k	-3,780 -4.7%
8	SPDR INDEX SHS FDS PORTFOLIO DEVLPD SPDW	SPDW	82,999	$2.8m1.99%	1.99%	Reduced -43.0k	-42,997 -34.1%
9	MICROSOFT CORP COM MSFT	MSFT	5,888	$2.5m1.76%	1.76%	Added +182	+182 3.2%
10	ISHARES TR IBOXX HI YD ETF HYG	HYG	29,315	$2.3m1.62%	1.62%	Reduced -1.1k	-1,135 -3.7%
11	ISHARES INC CORE MSCI EMKT IEMG	IEMG	41,664	$2.2m1.53%	1.53%	Reduced -230	-230 -0.6%
12	VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT VEA	VEA	44,593	$2.1m1.50%	1.50%	Reduced -45.5k	-45,545 -50.5%
13	VANGUARD INDEX FDS SML CP GRW ETF VBK	VBK	7,382	$2.1m1.46%	1.46%	Added +24	+24 0.3%
14	AMAZON COM INC COM AMZN	AMZN	8,481	$1.9m1.32%	1.32%	Reduced -39	-39 -0.5%
15	ALPHABET INC CAP STK CL A GOOGL	GOOGL	9,232	$1.8m1.24%	1.24%	Added +650	+650 7.6%
16	ISHARES TR CORE MSCI EURO IEUR	IEUR	30,505	$1.6m1.16%	1.16%	Added +782	+782 2.6%
17	ISHARES TR 0-5YR HI YL CP SHYG	SHYG	36,937	$1.6m1.11%	1.11%	Added +1.3k	+1,325 3.7%
18	ISHARES TR CORE MSCI PAC IPAC	IPAC	22,727	$1.4m0.98%	0.98%	Reduced -1.4k	-1,359 -5.6%
19	VISA INC COM CL A V	V	4,345	$1.4m0.96%	0.96%	Reduced -99	-99 -2.2%
20	SPDR S&P 500 ETF TR TR UNIT SPY	SPY	2,260	$1.3m0.93%	0.93%	Reduced -1.6k	-1,614 -41.7%
21	VANGUARD INDEX FDS SM CP VAL ETF VBR	VBR	6,703	$1.3m0.93%	0.93%	Added +27	+27 0.4%
22	SPDR SER TR BLOOMBERG HIGH Y JNK	JNK	13,746	$1.3m0.92%	0.92%	Added +1.8k	+1,760 14.7%
23	SPDR SER TR PORTFOLIO S&P600 SPSM	SPSM	28,649	$1.3m0.90%	0.90%	Reduced -4.5k	-4,504 -13.6%
24	MASTERCARD INCORPORATED CL A MA	MA	2,375	$1.2m0.88%	0.88%	Reduced -66	-66 -2.7%
25	UNITEDHEALTH GROUP INC COM UNH	UNH	2,404	$1.2m0.86%	0.86%	Added +18	+18 0.8%
26	JPMORGAN CHASE & CO COM JPM	JPM	4,955	$1.2m0.83%	0.83%	Reduced -368	-368 -6.9%
27	ISHARES TR TRS FLT RT BD TFLO	TFLO	22,654	$1.1m0.80%	0.80%	Reduced -3.1k	-3,106 -12.1%
28	HOME DEPOT INC COM HD	HD	2,855	$1.1m0.78%	0.78%	Reduced -90	-90 -3.1%
29	T-MOBILE US INC COM TMUS	TMUS	4,854	$1.1m0.75%	0.75%	Reduced -135	-135 -2.7%
30	TESLA INC COM TSLA	TSLA	2,511	$1.0m0.74%	0.74%	Added +321	+321 14.7%
31	VANGUARD INDEX FDS SMALL CP ETF VB	VB	4,327	$1.0m0.73%	0.73%	Reduced -1.7k	-1,701 -28.2%
32	SPDR SERIES TRUST PORTFOLIO S&P400 SPMD	SPMD	18,099	$988.1k0.69%	0.69%	Reduced -1.6k	-1,575 -8.0%
33	VANGUARD MUN BD FDS TAX EXEMPT BD VTEB	VTEB	18,920	$948.5k0.67%	0.67%	Reduced -26.0k	-26,034 -57.9%
34	SELECT SECTOR SPDR TR COMMUNICATION XLC	XLC	9,736	$945.7k0.66%	0.66%	New
35	COSTCO WHSL CORP NEW COM COST	COST	1,023	$943.4k0.66%	0.66%	Reduced -275	-275 -21.2%
36	SELECT SECTOR SPDR TR FINANCIAL XLF	XLF	19,417	$937.5k0.66%	0.66%	New
37	SELECT SECTOR SPDR TR SBI CONS DISCR XLY	XLY	4,138	$935.4k0.66%	0.66%	New
38	ISHARES TR CORE TOTAL USD IUSB	IUSB	20,513	$927.8k0.65%	0.65%	Reduced -2.6k	-2,553 -11.1%
39	MCDONALDS CORP COM MCD	MCD	3,153	$913.1k0.64%	0.64%	Added +10	+10 0.3%
40	CINTAS CORP COM CTAS	CTAS	4,916	$903.0k0.63%	0.63%	Added +3.3k	+3,288 202.0%
41	SPDR SER TR BLOOMBERG 1-3 MO BIL	BIL	8,889	$812.6k0.57%	0.57%	Added +2.5k	+2,529 39.8%
42	SSGA ACTIVE ETF TR BLACKSTONE SENR SRLN	SRLN	19,340	$806.5k0.57%	0.57%	Reduced -1.6k	-1,580 -7.5%
43	TRANE TECHNOLOGIES PLC SHS TT	TT	2,163	$802.2k0.56%	0.56%	Added +125	+125 6.1%
44	ADOBE INC COM ADBE	ADBE	1,793	$799.3k0.56%	0.56%	Added +2	+2 0.1%
45	VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF VWO	VWO	17,948	$790.4k0.56%	0.56%	Reduced -18.4k	-18,414 -50.6%
46	PIMCO ETF TR 0-5 HIGH YIELD HYS	HYS	8,285	$780.7k0.55%	0.55%	Reduced -1.0k	-1,022 -11.0%
47	THERMO FISHER SCIENTIFIC INC COM TMO	TMO	1,462	$758.6k0.53%	0.53%	Reduced -117	-117 -7.4%
48	SYNOPSYS INC COM SNPS	SNPS	1,496	$728.2k0.51%	0.51%	Reduced -36	-36 -2.4%
49	ISHARES TR JPMORGAN USD EMG EMB	EMB	8,147	$726.8k0.51%	0.51%	Reduced -479	-479 -5.5%
50	WALMART INC COM WMT	WMT	7,933	$718.5k0.50%	0.50%	Reduced -875	-875 -9.9%
51	SPDR INDEX SHS FDS S&P INTL SMLCP GWX	GWX	22,875	$709.1k0.50%	0.50%	Reduced -273	-273 -1.2%
52	DISNEY WALT CO COM DIS	DIS	6,346	$703.1k0.49%	0.49%	Reduced -135	-135 -2.1%
53	QUANTA SVCS INC COM PWR	PWR	2,185	$697.0k0.49%	0.49%	Reduced -794	-794 -26.6%
54	VANGUARD INDEX FDS TOTAL STK MKT VTI	VTI	2,364	$685.1k0.48%	0.48%	Reduced -2.4k	-2,420 -50.6%
55	NEXTERA ENERGY INC COM NEE	NEE	9,138	$655.7k0.46%	0.46%	Added +60	+60 0.7%
56	VANGUARD CHARLOTTE FDS TOTAL INT BD ETF BNDX	BNDX	13,338	$654.3k0.46%	0.46%	Reduced -8.4k	-8,421 -38.7%
57	SPDR SER TR PORTFOLIO AGRGTE SPAB	SPAB	25,941	$649.5k0.46%	0.46%	Reduced -1.7k	-1,748 -6.3%
58	VANGUARD INDEX FDS REAL ESTATE ETF VNQ	VNQ	7,280	$642.9k0.45%	0.45%	Reduced -316	-316 -4.2%
59	BROADCOM INC COM AVGO	AVGO	2,682	$631.6k0.44%	0.44%	Added +175	+175 7.0%
60	PARKER-HANNIFIN CORP COM PH	PH	990	$630.5k0.44%	0.44%	Added +6	+6 0.6%
61	VANGUARD BD INDEX FDS TOTAL BND MRKT BND	BND	8,287	$596.1k0.42%	0.42%	Reduced -7.0k	-7,026 -45.9%
62	SALESFORCE INC COM CRM	CRM	1,758	$590.2k0.41%	0.41%	Added +16	+16 0.9%
63	TJX COS INC NEW COM TJX	TJX	4,855	$587.9k0.41%	0.41%	Added +305	+305 6.7%
64	META PLATFORMS INC CL A META	META	994	$587.6k0.41%	0.41%	Added +362	+362 57.3%
65	VANGUARD WORLD FD MEGA GRWTH IND MGK	MGK	1,642	$569.3k0.40%	0.40%	Added +59	+59 3.7%
66	ISHARES TR CORE S&P MCP ETF IJH	IJH	9,063	$563.4k0.40%	0.40%	Reduced -982	-982 -9.8%
67	EOG RES INC COM EOG	EOG	4,672	$563.4k0.40%	0.40%	Reduced -287	-287 -5.8%
68	ASML HOLDING N V N Y REGISTRY SHS ASML	ASML	802	$558.3k0.39%	0.39%	Added +11	+11 1.4%
69	EXXON MOBIL CORP COM XOM	XOM	5,261	$556.4k0.39%	0.39%	Added +300	+300 6.0%
70	AMERICAN WTR WKS CO INC NEW COM AWK	AWK	4,470	$555.4k0.39%	0.39%	Added +20	+20 0.5%
71	VANGUARD INTL EQUITY INDEX F FTSE SMCAP ETF VSS	VSS	4,784	$547.0k0.38%	0.38%	Added +65	+65 1.4%
72	SPDR GOLD TR GOLD SHS GLD	GLD	2,253	$542.3k0.38%	0.38%	Added +110	+110 5.1%
73	SPDR SER TR PORTFOLIO LN TSR SPTL	SPTL	20,391	$535.8k0.38%	0.38%	Reduced -16.2k	-16,184 -44.2%
74	ISHARES TR MSCI USA MIN VOL USMV	USMV	6,015	$533.6k0.38%	0.38%	Reduced -1.2k	-1,170 -16.3%
75	LINDE PLC SHS LIN	LIN	1,268	$529.6k0.37%	0.37%	Added +86	+86 7.3%
76	J P MORGAN EXCHANGE TRADED F BETABUILDERS CDA BBCA	BBCA	7,398	$520.3k0.37%	0.37%	Added +26	+26 0.3%
77	AMGEN INC COM AMGN	AMGN	2,004	$519.6k0.37%	0.37%	Added +127	+127 6.8%
78	CAPITAL ONE FINL CORP COM COF	COF	2,767	$492.3k0.35%	0.35%	Added +592	+592 27.2%
79	J P MORGAN EXCHANGE TRADED F BETABUILDRS US BBUS	BBUS	4,567	$485.7k0.34%	0.34%	Added +1.0k	+1,027 29.0%
80	S&P GLOBAL INC COM SPGI	SPGI	969	$482.1k0.34%	0.34%	Added +19	+19 2.0%
81	SSGA ACTIVE ETF TR SPDR TR TACTIC TOTL	TOTL	12,175	$479.7k0.34%	0.34%	Reduced -3.4k	-3,358 -21.6%
82	PALO ALTO NETWORKS INC COM PANW	PANW	2,598	$478.4k0.34%	0.34%	Added +10	+10 0.4%
83	VANGUARD INDEX FDS MCAP GR IDXVIP VOT	VOT	1,846	$470.9k0.33%	0.33%	Added +46	+46 2.6%
84	NXP SEMICONDUCTORS N V COM NXPI	NXPI	2,266	$470.1k0.33%	0.33%	Reduced -35	-35 -1.5%
85	PEPSICO INC COM PEP	PEP	3,062	$464.6k0.33%	0.33%	Reduced -1.4k	-1,364 -30.8%
86	NORTHROP GRUMMAN CORP COM NOC	NOC	984	$459.1k0.32%	0.32%	Reduced -3	-3 -0.3%
87	CME GROUP INC COM CME	CME	1,937	$448.5k0.32%	0.32%	Reduced -6	-6 -0.3%
88	SPDR SERIES TRUST STATE STRET SPDR CERY	CERY	16,999	$439.3k0.31%	0.31%	New
89	ZOETIS INC CL A ZTS	ZTS	2,699	$437.9k0.31%	0.31%	Reduced -32	-32 -1.2%
90	BERKSHIRE HATHAWAY INC DEL CL B NEW BRK.B	BRK.B	948	$428.7k0.30%	0.30%	Reduced -217	-217 -18.6%
91	AMERICAN TOWER CORP NEW COM AMT	AMT	2,300	$418.4k0.29%	0.29%	Reduced -187	-187 -7.5%
92	ISHARES TR CORE MSCI EAFE IEFA	IEFA	5,941	$417.8k0.29%	0.29%	Reduced -359	-359 -5.7%
93	SPDR SER TR PORTFOLIO INTRMD SPIB	SPIB	12,574	$412.3k0.29%	0.29%	Added +7.5k	+7,545 150.0%
94	J P MORGAN EXCHANGE TRADED F GLOBAL SEL EQUIT JGLO	JGLO	6,545	$394.1k0.28%	0.28%	Added +182	+182 2.9%
95	VANECK ETF TRUST HIGH YLD MUNIETF HYD	HYD	7,547	$391.0k0.27%	0.27%	Reduced -2.1k	-2,134 -22.0%
96	VANGUARD WORLD FD MEGA CAP VAL ETF MGV	MGV	3,133	$390.1k0.27%	0.27%	Added +164	+164 5.5%
97	VERTEX PHARMACEUTICALS INC COM VRTX	VRTX	974	$389.0k0.27%	0.27%	Added +8	+8 0.8%
98	SSGA ACTIVE ETF TR ULT SHT TRM BD ULST	ULST	9,622	$388.8k0.27%	0.27%	Reduced -9.6k	-9,622 -50.0%
99	SPDR SER TR PORTFLI INTRMDIT SPTI	SPTI	13,886	$387.5k0.27%	0.27%	Reduced -1.3k	-1,287 -8.5%
100	VANGUARD INDEX FDS MCAP VL IDXVIP VOE	VOE	2,389	$385.5k0.27%	0.27%	Added +80	+80 3.5%

Sold out since Q3 2024

Security	Ticker	Shares held before	Value then
SELECT SECTOR SPDR TR XLK	XLK	4,281	$968.5k4.3k shares
SELECT SECTOR SPDR TR XLE	XLE	10,423	$950.1k10.4k shares
SELECT SECTOR SPDR TR XLI	XLI	7,738	$943.0k7.7k shares
FRANKLIN RESOURCES INC BEN	BEN	3,600	$80.5k3.6k shares
EDWARDS LIFESCIENCES CORP		840	$77.6k840 shares
BLACKROCK INC BLK	BLK	64	$50.4k64 shares
WILLIAMS SONOMA INC WSM	WSM	354	$50.0k354 shares
CLOROX CO DEL CLX	CLX	355	$48.4k355 shares
INVESCO EXCH TRADED FD TR II BKLN	BKLN	1,977	$41.6k2.0k shares
PDD HOLDINGS INC PDD	PDD	239	$31.8k239 shares
SPDR SER TR SPLB	SPLB	1,173	$26.5k1.2k shares
CROWN CASTLE INC CCI	CCI	230	$22.5k230 shares
EVEREST GROUP LTD EG	EG	55	$21.0k55 shares
PAGSEGURO DIGITAL LTD PAGS	PAGS	1,780	$20.8k1.8k shares
BAIDU INC BIDU	BIDU	209	$18.1k209 shares
NETEASE INC NTES	NTES	152	$14.5k152 shares
VANECK ETF TRUST CLOI	CLOI	266	$14.1k266 shares
GATES INDL CORP PLC 9666678D	9666678D	833	$13.2k833 shares
POPULAR INC BPOP	BPOP	146	$12.9k146 shares
VIPSHOP HLDGS LTD VIPS	VIPS	922	$12.0k922 shares
WALGREENS BOOTS ALLIANCE INC WBA	WBA	910	$11.0k910 shares
INTERNATIONAL MNY EXPRESS IN IMXI	IMXI	515	$10.7k515 shares
GREIF INC GEF	GEF	165	$9.5k165 shares
ISHARES TR IGIB	IGIB	180	$9.2k180 shares
ARISTA NETWORKS INC		96	$8.4k96 shares