RICHARDSON FINANCIAL SERVICES INC.

MEDWAY, MA · CIK 2012303 · 13F filing filed 2025-10-28

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.

Others nearbyMedway, MA

$161.3m reported value +8.4% vs Q2 2025

513positions

30.4%in top 10

47 new 260 added 136 reduced 144 sold out vs Q2 2025

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
JPMORGAN CHASE & CO – files its own report too
Capital Group Companies, Inc. – reports through this filing
State Street Global Advisors LTD – reports through this filing
CITY NATIONAL ROCHDALE FUNDS – no 13F of its own this quarter
New Frontier Advisors, LLC – no 13F of its own this quarter

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

Holdings, Q3 2025

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	104,516	$8.2m5.08%	5.08%	Added +11.4k	+11,392 12.2%
2	APPLE INC COM AAPL	AAPL	27,373	$7.0m4.32%	4.32%	Added +1.4k	+1,386 5.3%
3	VANGUARD INDEX FDS GROWTH ETF VUG	VUG	14,249	$6.8m4.24%	4.24%	Reduced -234	-234 -1.6%
4	VANGUARD INDEX FDS VALUE ETF VTV	VTV	34,642	$6.5m4.01%	4.01%	Reduced -234	-234 -0.7%
5	NVIDIA CORPORATION COM NVDA	NVDA	24,486	$4.6m2.83%	2.83%	Added +415	+415 1.7%
6	SPDR INDEX SHS FDS PORTFOLIO DEVLPD SPDW	SPDW	79,180	$3.4m2.10%	2.10%	Added +12.8k	+12,802 19.3%
7	MICROSOFT CORP COM MSFT	MSFT	6,479	$3.4m2.08%	2.08%	Added +313	+313 5.1%
8	VANGUARD INDEX FDS S&P 500 ETF SHS VOO	VOO	5,412	$3.3m2.05%	2.05%	Added +7	+7 0.1%
9	SPDR INDEX SHS FDS PORTFOLIO EMG MK SPEM	SPEM	64,477	$3.0m1.87%	1.87%	Added +4.3k	+4,324 7.2%
10	ISHARES TR IBOXX HI YD ETF HYG	HYG	37,047	$3.0m1.86%	1.86%	Added +7.6k	+7,635 26.0%
11	ISHARES TR CORE MSCI EURO IEUR	IEUR	39,942	$2.7m1.69%	1.69%	Added +160	+160 0.4%
12	VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT VEA	VEA	44,936	$2.7m1.67%	1.67%	Reduced -221	-221 -0.5%
13	ALPHABET INC CAP STK CL A GOOGL	GOOGL	10,792	$2.6m1.63%	1.63%	Added +617	+617 6.1%
14	ISHARES INC CORE MSCI EMKT IEMG	IEMG	39,119	$2.6m1.60%	1.60%	Reduced -98	-98 -0.2%
15	AMAZON COM INC COM AMZN	AMZN	9,150	$2.0m1.25%	1.25%	Added +456	+456 5.2%
16	VANGUARD INDEX FDS SML CP GRW ETF VBK	VBK	6,744	$2.0m1.24%	1.24%	Reduced -80	-80 -1.2%
17	SPDR SER TR PORTFOLIO S&P600 SPSM	SPSM	40,174	$1.9m1.15%	1.15%	Added +13.1k	+13,058 48.2%
18	JPMORGAN CHASE & CO COM JPM	JPM	5,230	$1.6m1.02%	1.02%	Added +170	+170 3.4%
19	VANGUARD INDEX FDS SM CP VAL ETF VBR	VBR	7,442	$1.6m0.96%	0.96%	Reduced -68	-68 -0.9%
20	SPDR S&P 500 ETF TR TR UNIT SPY	SPY	2,213	$1.5m0.90%	0.90%	Added +75	+75 3.5%
21	ISHARES TR 0-5YR HI YL CP SHYG	SHYG	33,593	$1.5m0.90%	0.90%	Added +723	+723 2.2%
22	ISHARES TR CORE MSCI PAC IPAC	IPAC	19,550	$1.4m0.89%	0.89%	Reduced -10	-10 -0.1%
23	MASTERCARD INCORPORATED CL A MA	MA	2,404	$1.4m0.85%	0.85%	Added +9	+9 0.4%
24	VISA INC COM CL A V	V	3,937	$1.3m0.83%	0.83%	Reduced -370	-370 -8.6%
25	ISHARES TR CORE S&P500 ETF IVV	IVV	2,715	$1.3m0.79%	0.79%	Added +2.3k	+2,295 546.4%
26	VANGUARD INDEX FDS SMALL CP ETF VB	VB	4,922	$1.3m0.78%	0.78%	Reduced -43	-43 -0.9%
27	HOME DEPOT INC COM HD	HD	2,991	$1.2m0.75%	0.75%	Added +116	+116 4.0%
28	TESLA INC COM TSLA	TSLA	2,667	$1.2m0.74%	0.74%	Added +80	+80 3.1%
29	T-MOBILE US INC COM TMUS	TMUS	4,869	$1.2m0.72%	0.72%	Reduced -30	-30 -0.6%
30	META PLATFORMS INC CL A META	META	1,569	$1.2m0.71%	0.71%	Added +425	+425 37.1%
31	SPDR SER TR BLOOMBERG HIGH Y JNK	JNK	11,180	$1.1m0.68%	0.68%	Added +4.2k	+4,241 61.1%
32	SPDR SERIES TRUST PORTFOLIO S&P400 SPMD	SPMD	19,087	$1.1m0.68%	0.68%	Reduced -495	-495 -2.5%
33	VANGUARD MUN BD FDS TAX EXEMPT BD VTEB	VTEB	20,793	$1.0m0.65%	0.65%	Unchanged
34	VANGUARD WORLD FD MEGA GRWTH IND MGK	MGK	2,575	$1.0m0.64%	0.64%	Added +268	+268 11.6%
35	CINTAS CORP COM CTAS	CTAS	5,004	$1.0m0.64%	0.64%	Added +63	+63 1.3%
36	MCDONALDS CORP COM MCD	MCD	3,328	$1.0m0.63%	0.63%	Added +109	+109 3.4%
37	VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF VWO	VWO	18,337	$993.5k0.62%	0.62%	Reduced -116	-116 -0.6%
38	SELECT SECTOR SPDR TR COMMUNICATION XLC	XLC	8,386	$992.7k0.62%	0.62%	Reduced -529	-529 -5.9%
39	SELECT SECTOR SPDR TR SBI HEALTHCARE XLV	XLV	7,073	$984.4k0.61%	0.61%	Added +149	+149 2.1%
40	BROADCOM INC COM AVGO	AVGO	2,976	$981.8k0.61%	0.61%	Added +232	+232 8.4%
41	COSTCO WHSL CORP NEW COM COST	COST	1,059	$980.2k0.61%	0.61%	Added +4	+4 0.4%
42	ISHARES TR CORE TOTAL USD IUSB	IUSB	20,436	$954.6k0.59%	0.59%	Added +1.1k	+1,150 6.0%
43	SELECT SECTOR SPDR TR SBI CONS STPLS XLP	XLP	11,905	$933.0k0.58%	0.58%	Added +752	+752 6.7%
44	SSGA ACTIVE ETF TR BLACKSTONE SENR SRLN	SRLN	21,998	$914.7k0.57%	0.57%	Added +225	+225 1.0%
45	J P MORGAN EXCHANGE TRADED F BETABUILDRS US BBUS	BBUS	7,502	$905.2k0.56%	0.56%	Added +1.1k	+1,144 18.0%
46	TRANE TECHNOLOGIES PLC SHS TT	TT	2,048	$864.2k0.54%	0.54%	Reduced -100	-100 -4.7%
47	SPDR SERIES TRUST STATE STRET SPDR CERY	CERY	29,620	$848.6k0.53%	0.53%	Added +7.4k	+7,416 33.4%
48	WALMART INC COM WMT	WMT	8,227	$847.9k0.53%	0.53%	Added +293	+293 3.7%
49	VANGUARD INDEX FDS REAL ESTATE ETF VNQ	VNQ	8,689	$794.2k0.49%	0.49%	Added +103	+103 1.2%
50	ISHARES TR JPMORGAN USD EMG EMB	EMB	8,300	$790.1k0.49%	0.49%	Added +37	+37 0.5%
51	SPDR INDEX SHS FDS S&P INTL SMLCP GWX	GWX	19,504	$783.7k0.49%	0.49%	Reduced -1.2k	-1,170 -5.7%
52	PARKER-HANNIFIN CORP COM PH	PH	982	$744.5k0.46%	0.46%	Reduced -10	-10 -1.0%
53	SYNOPSYS INC COM SNPS	SNPS	1,476	$728.2k0.45%	0.45%	Reduced -30	-30 -2.0%
54	TJX COS INC NEW COM TJX	TJX	4,975	$719.1k0.45%	0.45%	Reduced -180	-180 -3.5%
55	THERMO FISHER SCIENTIFIC INC COM TMO	TMO	1,481	$718.3k0.45%	0.45%	Added +32	+32 2.2%
56	VANGUARD INDEX FDS TOTAL STK MKT VTI	VTI	2,158	$708.2k0.44%	0.44%	Unchanged
57	INTUITIVE SURGICAL INC COM NEW ISRG	ISRG	1,516	$678.0k0.42%	0.42%	Reduced -10	-10 -0.7%
58	PIMCO ETF TR 0-5 HIGH YIELD HYS	HYS	6,853	$655.5k0.41%	0.41%	Added +93	+93 1.4%
59	NEXTERA ENERGY INC COM NEE	NEE	8,466	$639.1k0.40%	0.40%	Reduced -134	-134 -1.6%
60	ADVANCED MICRO DEVICES INC COM AMD	AMD	3,935	$636.6k0.39%	0.39%	Added +18	+18 0.5%
61	LINDE PLC SHS LIN	LIN	1,337	$635.1k0.39%	0.39%	Added +52	+52 4.0%
62	VANGUARD BD INDEX FDS TOTAL BND MRKT BND	BND	8,514	$633.2k0.39%	0.39%	Added +35	+35 0.4%
63	VANGUARD WORLD FD MEGA CAP VAL ETF MGV	MGV	4,589	$632.1k0.39%	0.39%	Added +126	+126 2.8%
64	ORACLE CORP COM ORCL	ORCL	2,245	$631.4k0.39%	0.39%	Reduced -20	-20 -0.9%
65	VANGUARD INTL EQUITY INDEX F FTSE SMCAP ETF VSS	VSS	4,299	$612.9k0.38%	0.38%	Reduced -70	-70 -1.6%
66	ADOBE INC COM ADBE	ADBE	1,737	$612.7k0.38%	0.38%	Reduced -58	-58 -3.2%
67	VANGUARD CHARLOTTE FDS TOTAL INT BD ETF BNDX	BNDX	12,322	$609.4k0.38%	0.38%	Added +62	+62 0.5%
68	SPDR SER TR PORTFOLIO LN TSR SPTL	SPTL	22,411	$604.0k0.37%	0.37%	Reduced -5.3k	-5,349 -19.3%
69	AMERICAN WTR WKS CO INC NEW COM AWK	AWK	4,315	$600.6k0.37%	0.37%	Reduced -125	-125 -2.8%
70	EXXON MOBIL CORP COM XOM	XOM	5,307	$598.4k0.37%	0.37%	Reduced -151	-151 -2.8%
71	ISHARES TR RUSSELL 2000 ETF IWM	IWM	2,460	$595.2k0.37%	0.37%	Added +85	+85 3.6%
72	ISHARES TR CORE S&P MCP ETF IJH	IJH	9,063	$591.5k0.37%	0.37%	Unchanged
73	CAPITAL ONE FINL CORP COM COF	COF	2,747	$584.0k0.36%	0.36%	Reduced -115	-115 -4.0%
74	NORTHROP GRUMMAN CORP COM NOC	NOC	948	$577.6k0.36%	0.36%	Reduced -26	-26 -2.7%
75	EOG RES INC COM EOG	EOG	4,854	$544.2k0.34%	0.34%	Reduced -178	-178 -3.5%
76	ISHARES TR MSCI USA MIN VOL USMV	USMV	5,689	$541.1k0.34%	0.34%	Reduced -15	-15 -0.3%
77	PALO ALTO NETWORKS INC COM PANW	PANW	2,653	$540.0k0.33%	0.33%	Reduced -30	-30 -1.1%
78	SPDR GOLD TR GOLD SHS GLD	GLD	1,511	$537.1k0.33%	0.33%	Reduced -671	-671 -30.8%
79	ISHARES TR MSCI EAFE MIN VL EFAV	EFAV	5,908	$501.1k0.31%	0.31%	Added +24	+24 0.4%
80	ISHARES TR CORE MSCI EAFE IEFA	IEFA	5,736	$500.8k0.31%	0.31%	Added +253	+253 4.6%
81	J P MORGAN EXCHANGE TRADED F BETABUILDERS CDA BBCA	BBCA	5,741	$500.8k0.31%	0.31%	Added +22	+22 0.4%
82	CME GROUP INC COM CME	CME	1,836	$496.1k0.31%	0.31%	Reduced -103	-103 -5.3%
83	NXP SEMICONDUCTORS N V COM NXPI	NXPI	2,161	$492.1k0.31%	0.31%	Reduced -70	-70 -3.1%
84	VANGUARD STAR FDS VG TL INTL STK F VXUS	VXUS	6,627	$486.8k0.30%	0.30%	Reduced -160	-160 -2.4%
85	BERKSHIRE HATHAWAY INC DEL CL B NEW BRK.B	BRK.B	961	$483.1k0.30%	0.30%	Reduced -42	-42 -4.2%
86	J P MORGAN EXCHANGE TRADED F GLOBAL SEL EQUIT JGLO	JGLO	6,810	$461.5k0.29%	0.29%	Reduced -2.6k	-2,627 -27.8%
87	SALESFORCE INC COM CRM	CRM	1,908	$452.2k0.28%	0.28%	Added +20	+20 1.1%
88	VANGUARD INTL EQUITY INDEX F GLB EX US ETF VNQI	VNQI	9,371	$447.3k0.28%	0.28%	Added +125	+125 1.4%
89	NETFLIX INC COM NFLX	NFLX	358	$429.2k0.27%	0.27%	Added +10	+10 2.9%
90	SPDR SER TR NUVEEN BLMBRG MU TFI	TFI	9,275	$422.7k0.26%	0.26%	Added +199	+199 2.2%
91	J P MORGAN EXCHANGE TRADED F BETABUILDERS I BBIN	BBIN	5,862	$411.1k0.25%	0.25%	Added +1.6k	+1,597 37.4%
92	WILLIAMS COS INC COM WMB	WMB	6,488	$411.0k0.25%	0.25%	Added +211	+211 3.4%
93	ISHARES TR TRS FLT RT BD TFLO	TFLO	8,102	$409.9k0.25%	0.25%	Reduced -146	-146 -1.8%
94	VANGUARD WELLESLEY INCOME ADMIRAL EQUITY FUNDS VWIAX	VWIAX	6,272	$399.1k0.25%	0.25%	Unchanged
95	SSGA ACTIVE ETF TR ULT SHT TRM BD ULST	ULST	9,622	$391.5k0.24%	0.24%	Unchanged
96	ISHARES TR RUS MID CAP ETF IWR	IWR	4,054	$391.4k0.24%	0.24%	Added +816	+816 25.2%
97	INTERNATIONAL BUSINESS MACHS COM IBM	IBM	1,374	$387.7k0.24%	0.24%	Added +139	+139 11.3%
98	ABBVIE INC COM ABBV	ABBV	1,655	$383.2k0.24%	0.24%	Added +149	+149 9.9%
99	ZOETIS INC CL A ZTS	ZTS	2,564	$375.2k0.23%	0.23%	Reduced -40	-40 -1.5%
100	BANK AMERICA CORP COM BAC	BAC	7,248	$373.9k0.23%	0.23%	Added +498	+498 7.4%

Sold out since Q2 2025

Security	Ticker	Shares held before	Value then
QUANTA SVCS INC PWR	PWR	2,190	$815.3k2.2k shares
WORLD GOLD TR GLDM	GLDM	3,227	$213.2k3.2k shares
RTX CORPORATION RTX	RTX	356	$51.3k356 shares
GSK PLC GSK	GSK	957	$37.3k957 shares
FORTIVE CORP FTV	FTV	692	$36.8k692 shares
BXP INC BXP	BXP	486	$33.1k486 shares
SELECT SECTOR SPDR TR XLK	XLK	65	$16.3k65 shares
CENCORA INC COR	COR	40	$11.8k40 shares
VICTORY CAP HLDGS INC VCTR	VCTR	181	$11.7k181 shares
CNO FINL GROUP INC CNO	CNO	296	$11.5k296 shares
CATALYST PHARMACEUTICALS INC CPRX	CPRX	525	$11.1k525 shares
TAYLOR MORRISON HOME CORP TMHC	TMHC	161	$10.3k161 shares
UNITED THERAPEUTICS CORP DEL UTHR	UTHR	33	$9.6k33 shares
VERISK ANALYTICS INC VRSK	VRSK	30	$9.4k30 shares
PLEXUS CORP PLXS	PLXS	66	$9.0k66 shares
ABERCROMBIE & FITCH CO ANF	ANF	101	$8.9k101 shares
SCIENCE APPLICATIONS INTL CO SAIC	SAIC	75	$8.7k75 shares
SILGAN HLDGS INC SLGN	SLGN	154	$8.6k154 shares
ESSENTIAL PPTYS RLTY TR INC EPRT	EPRT	243	$7.8k243 shares
PROGRESS SOFTWARE CORP PRGS	PRGS	125	$6.9k125 shares
INVESCO EXCH TRADED FD TR II BAB	BAB	261	$6.9k261 shares
MID-AMER APT CMNTYS INC MAA	MAA	45	$6.7k45 shares
TRANSDIGM GROUP INC TDG	TDG	4	$6.1k4 shares
ISHARES TR PFF	PFF	183	$5.6k183 shares
VANECK ETF TRUST PFXF	PFXF	325	$5.6k325 shares