RICHARDSON FINANCIAL SERVICES INC.

MEDWAY, MA · CIK 2012303 · 13F filing filed 2026-08-10

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.

$176.3m reported value +10.3% vs Q1 2026

607positions

30.1%in top 10

42 new 208 added 210 reduced 48 sold out vs Q1 2026

This report includes the holdings of 6 other managers that share the investment decisions:

ASSETMARK, INC – files its own report too
Clark Capital Management Group, Inc. – files its own report too
State Street Global Advisors LTD – reports through this filing
Charles Schwab & CO Inc/ – no 13F of its own this quarter
New Frontier Advisors, LLC – no 13F of its own this quarter
RBC ROCHDALE, LLC – no 13F of its own this quarter

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

Holdings, Q2 2026

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	93,773	$8.2m4.67%	4.67%	Added +4.4k	+4,422 5.0%
2	APPLE INC COM AAPL	AAPL	28,340	$8.2m4.65%	4.65%	Added +861	+861 3.1%
3	VANGUARD INDEX FDS VALUE ETF VTV	VTV	33,676	$7.3m4.16%	4.16%	Reduced -276	-276 -0.8%
4	VANGUARD INDEX FDS GROWTH ETF VUG	VUG	83,175	$7.2m4.06%	4.06%	Reduced -183	-183 -0.2%
5	NVIDIA CORPORATION COM NVDA	NVDA	24,306	$4.9m2.76%	2.76%	Added +116	+116 0.5%
6	ALPHABET INC CAP STK CL A GOOGL	GOOGL	11,822	$4.2m2.40%	2.40%	Reduced -365	-365 -3.0%
7	VANGUARD INDEX FDS S&P 500 ETF SHS VOO	VOO	5,068	$3.5m1.97%	1.97%	Reduced -536	-536 -9.6%
8	SPDR INDEX SHS FDS PORTFOLIO DEVLPD SPDW	SPDW	63,574	$3.2m1.82%	1.82%	Reduced -17.4k	-17,382 -21.5%
9	ISHARES TR IBOXX HI YD ETF HYG	HYG	39,400	$3.2m1.79%	1.79%	Added +772	+772 2.0%
10	SPDR INDEX SHS FDS PORTFOLIO EMG MK SPEM	SPEM	60,590	$3.1m1.78%	1.78%	Added +2.4k	+2,420 4.2%
11	VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT VEA	VEA	41,799	$3.0m1.69%	1.69%	Reduced -2.2k	-2,205 -5.0%
12	ISHARES TR CORE MSCI EURO IEUR	IEUR	37,657	$2.8m1.61%	1.61%	Reduced -193	-193 -0.5%
13	ISHARES INC CORE MSCI EMKT IEMG	IEMG	32,678	$2.7m1.54%	1.54%	Reduced -1.3k	-1,322 -3.9%
14	MICROSOFT CORP COM MSFT	MSFT	7,217	$2.7m1.53%	1.53%	Added +225	+225 3.2%
15	AMAZON COM INC COM AMZN	AMZN	10,504	$2.5m1.42%	1.42%	Added +778	+778 8.0%
16	VANGUARD INDEX FDS SML CP GRW ETF VBK	VBK	6,204	$2.3m1.29%	1.29%	Added +45	+45 0.7%
17	ADVANCED MICRO DEVICES INC COM AMD	AMD	3,851	$2.2m1.27%	1.27%	Reduced -124	-124 -3.1%
18	JPMORGAN CHASE & CO COM JPM	JPM	5,983	$2.0m1.11%	1.11%	Added +491	+491 8.9%
19	VANGUARD INDEX FDS SM CP VAL ETF VBR	VBR	7,944	$1.9m1.09%	1.09%	Added +432	+432 5.8%
20	VANGUARD WORLD FD MEGA GRWTH IND MGK	MGK	18,832	$1.7m0.94%	0.94%	Added +6.3k	+6,292 50.2%
21	ISHARES TR 0-5YR HI YL CP SHYG	SHYG	38,069	$1.6m0.92%	0.92%	Reduced -169	-169 -0.4%
22	BROADCOM INC COM AVGO	AVGO	4,100	$1.5m0.88%	0.88%	Added +267	+267 7.0%
23	MICRON TECHNOLOGY INC COM MU	MU	1,322	$1.5m0.87%	0.87%	Added +705	+705 114.3%
24	SPDR S&P 500 ETF TR TR UNIT SPY	SPY	2,031	$1.5m0.86%	0.86%	Reduced -272	-272 -11.8%
25	ISHARES TR CORE MSCI PAC IPAC	IPAC	18,257	$1.5m0.85%	0.85%	Reduced -394	-394 -2.1%
26	VANGUARD INDEX FDS SMALL CP ETF VB	VB	4,617	$1.4m0.79%	0.79%	Reduced -301	-301 -6.1%
27	SPDR SER TR PORTFOLIO S&P600 SPSM	SPSM	24,239	$1.4m0.79%	0.79%	Reduced -1.4k	-1,399 -5.5%
28	SPDR SER TR BLOOMBERG HIGH Y JNK	JNK	12,546	$1.2m0.69%	0.69%	Added +3.8k	+3,766 42.9%
29	J P MORGAN EXCHANGE TRADED F BETABUILDRS US BBUS	BBUS	8,969	$1.2m0.69%	0.69%	Added +1.0k	+1,004 12.6%
30	VANGUARD WORLD FD MEGA CAP VAL ETF MGV	MGV	7,115	$1.2m0.66%	0.66%	Added +2.5k	+2,492 53.9%
31	SPDR SERIES TRUST PORTFOLIO S&P400 SPMD	SPMD	16,908	$1.1m0.65%	0.65%	Reduced -737	-737 -4.2%
32	HOME DEPOT INC COM HD	HD	3,051	$1.1m0.61%	0.61%	Reduced -53	-53 -1.7%
33	META PLATFORMS INC CL A META	META	1,907	$1.1m0.61%	0.61%	Added +56	+56 3.0%
34	ISHARES TR CORE TOTAL USD IUSB	IUSB	23,222	$1.1m0.61%	0.61%	Added +312	+312 1.4%
35	PALO ALTO NETWORKS INC COM PANW	PANW	3,083	$1.1m0.60%	0.60%	Added +48	+48 1.6%
36	VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF VWO	VWO	16,917	$1.0m0.57%	0.57%	Reduced -1.1k	-1,080 -6.0%
37	TESLA INC COM TSLA	TSLA	2,399	$1.0m0.57%	0.57%	Added +41	+41 1.7%
38	SPDR SER TR PORTFOLIO LN TSR SPTL	SPTL	37,766	$990.6k0.56%	0.56%	Added +4.1k	+4,079 12.1%
39	KLA CORP COM NEW KLAC	KLAC	3,247	$979.7k0.56%	0.56%	Added +97	+97 3.1%
40	SSGA ACTIVE ETF TR BLACKSTONE SENR SRLN	SRLN	23,992	$966.6k0.55%	0.55%	Added +1.2k	+1,178 5.2%
41	COSTCO WHSL CORP NEW COM COST	COST	1,025	$958.9k0.54%	0.54%	Added +8	+8 0.8%
42	SELECT SECTOR SPDR TR INDL XLI	XLI	5,156	$955.0k0.54%	0.54%	Added +2.5k	+2,550 97.8%
43	WALMART INC COM WMT	WMT	8,167	$925.0k0.52%	0.52%	Reduced -153	-153 -1.8%
44	MCDONALDS CORP COM MCD	MCD	3,340	$902.8k0.51%	0.51%	Reduced -57	-57 -1.7%
45	SPDR SERIES TRUST STATE STRET SPDR CERY	CERY	26,816	$896.5k0.51%	0.51%	Reduced -918	-918 -3.3%
46	SELECT SECTOR SPDR TR COMMUNICATION XLC	XLC	8,264	$885.3k0.50%	0.50%	Added +618	+618 8.1%
47	ELI LILLY & CO COM LLY	LLY	733	$879.2k0.50%	0.50%	Added +17	+17 2.4%
48	SELECT SECTOR SPDR TR ENERGY XLE	XLE	15,751	$836.5k0.47%	0.47%	New
49	VANGUARD INDEX FDS REAL ESTATE ETF VNQ	VNQ	8,535	$822.9k0.47%	0.47%	Reduced -247	-247 -2.8%
50	T-MOBILE US INC COM TMUS	TMUS	4,869	$816.7k0.46%	0.46%	Reduced -10	-10 -0.2%
51	ISHARES TR RUSSELL 2000 ETF IWM	IWM	2,622	$787.8k0.45%	0.45%	Reduced -284	-284 -9.8%
52	VANGUARD INDEX FDS TOTAL STK MKT VTI	VTI	2,116	$783.0k0.44%	0.44%	Unchanged
53	TJX COS INC NEW COM TJX	TJX	5,148	$779.9k0.44%	0.44%	Reduced -27	-27 -0.5%
54	SPDR INDEX SHS FDS S&P INTL SMLCP GWX	GWX	17,521	$766.7k0.43%	0.43%	Added +81	+81 0.5%
55	THERMO FISHER SCIENTIFIC INC COM TMO	TMO	1,491	$747.5k0.42%	0.42%	Reduced -20	-20 -1.3%
56	LINDE PLC SHS LIN	LIN	1,392	$722.4k0.41%	0.41%	Reduced -25	-25 -1.8%
57	ISHARES TR RUS MID CAP ETF IWR	IWR	6,510	$718.2k0.41%	0.41%	Reduced -380	-380 -5.5%
58	EOG RES INC COM EOG	EOG	5,478	$710.7k0.40%	0.40%	Reduced -96	-96 -1.7%
59	ISHARES TR CORE S&P MCP ETF IJH	IJH	9,203	$709.6k0.40%	0.40%	Unchanged
60	VANGUARD BD INDEX FDS TOTAL BND MRKT BND	BND	9,282	$681.4k0.39%	0.39%	Reduced -96	-96 -1.0%
61	VANGUARD MUN BD FDS TAX EXEMPT BD VTEB	VTEB	13,449	$680.2k0.39%	0.39%	Unchanged
62	INTEL CORP COM INTC	INTC	4,813	$672.0k0.38%	0.38%	Added +602	+602 14.3%
63	CHUBB LIMITED COM CB	CB	1,943	$662.1k0.38%	0.38%	Added +438	+438 29.1%
64	CITIGROUP INC COM NEW C	C	4,701	$658.0k0.37%	0.37%	Added +1.4k	+1,360 40.7%
65	ISHARES TR JPMORGAN USD EMG EMB	EMB	6,723	$648.4k0.37%	0.37%	Added +130	+130 2.0%
66	VANGUARD CHARLOTTE FDS TOTAL INT BD ETF BNDX	BNDX	13,065	$632.7k0.36%	0.36%	Reduced -564	-564 -4.1%
67	SYNOPSYS INC COM SNPS	SNPS	1,411	$629.4k0.36%	0.36%	Reduced -72	-72 -4.9%
68	SEAGATE TECHNOLOGY HLDNGS PL ORD SHS STX	STX	634	$611.8k0.35%	0.35%	Added +14	+14 2.3%
69	CISCO SYS INC COM CSCO	CSCO	5,189	$609.5k0.35%	0.35%	Added +223	+223 4.5%
70	MASTERCARD INCORPORATED CL A MA	MA	1,142	$586.5k0.33%	0.33%	Reduced -1.3k	-1,334 -53.9%
71	EQUINIX INC COM EQIX	EQIX	561	$584.8k0.33%	0.33%	Reduced -1	-1 -0.2%
72	BERKSHIRE HATHAWAY INC DEL CL B NEW BRK.B	BRK.B	1,161	$581.0k0.33%	0.33%	Reduced -36	-36 -3.0%
73	PIMCO ETF TR 0-5 HIGH YIELD HYS	HYS	6,069	$567.5k0.32%	0.32%	Reduced -23	-23 -0.4%
74	VANGUARD INTL EQUITY INDEX F FTSE SMCAP ETF VSS	VSS	3,507	$541.2k0.31%	0.31%	Reduced -13	-13 -0.4%
75	ISHARES TR CORE S&P500 ETF IVV	IVV	712	$533.2k0.30%	0.30%	Added +3	+3 0.4%
76	VANGUARD INDEX FDS MCAP VL IDXVIP VOE	VOE	2,663	$526.2k0.30%	0.30%	Added +690	+690 35.0%
77	ISHARES TR CORE MSCI EAFE IEFA	IEFA	5,429	$524.3k0.30%	0.30%	Reduced -335	-335 -5.8%
78	J P MORGAN EXCHANGE TRADED F BETABUILDERS CDA BBCA	BBCA	5,179	$514.8k0.29%	0.29%	Reduced -39	-39 -0.8%
79	QUANTA SVCS INC COM PWR	PWR	706	$508.3k0.29%	0.29%	Unchanged
80	VANGUARD STAR FDS VG TL INTL STK F VXUS	VXUS	5,925	$506.5k0.29%	0.29%	Unchanged
81	NEXTERA ENERGY INC COM NEE	NEE	5,760	$505.6k0.29%	0.29%	Reduced -239	-239 -4.0%
82	J P MORGAN EXCHANGE TRADED F BETABUILDERS I BBIN	BBIN	6,463	$504.6k0.29%	0.29%	Added +244	+244 3.9%
83	FRANKLIN TEMPLETON ETF TR FTSE CHINA FLCH	FLCH	23,490	$479.5k0.27%	0.27%	Reduced -245	-245 -1.0%
84	PHILIP MORRIS INTL INC COM PM	PM	2,547	$460.8k0.26%	0.26%	Added +58	+58 2.3%
85	PARKER-HANNIFIN CORP COM PH	PH	461	$450.9k0.26%	0.26%	Reduced -27	-27 -5.5%
86	CINTAS CORP COM CTAS	CTAS	2,625	$446.5k0.25%	0.25%	Reduced -2.3k	-2,342 -47.1%
87	ASML HOLDING N V N Y REGISTRY SHS ASML	ASML	223	$443.6k0.25%	0.25%	Added +15	+15 7.2%
88	ISHARES TR MSCI USA MIN VOL USMV	USMV	4,566	$440.3k0.25%	0.25%	Reduced -2	-2 -0.0%
89	SPDR GOLD TR GOLD SHS GLD	GLD	1,156	$425.8k0.24%	0.24%	Reduced -27	-27 -2.3%
90	INTERNATIONAL BUSINESS MACHS COM IBM	IBM	1,505	$423.2k0.24%	0.24%	Reduced -168	-168 -10.0%
91	VANGUARD INDEX FDS MCAP GR IDXVIP VOT	VOT	1,380	$422.7k0.24%	0.24%	Added +322	+322 30.4%
92	COCA COLA CO COM KO	KO	5,175	$420.6k0.24%	0.24%	Added +126	+126 2.5%
93	PROCTER AND GAMBLE CO COM PG	PG	2,844	$416.9k0.24%	0.24%	Added +221	+221 8.4%
94	CATERPILLAR INC COM CAT	CAT	391	$416.4k0.24%	0.24%	Reduced -46	-46 -10.5%
95	VANGUARD WELLESLEY INCOME ADMIRAL EQUITY FUNDS VWIAX	VWIAX	6,538	$408.7k0.23%	0.23%	Unchanged
96	BANK NEW YORK MELLON CORP COM BNY	BNY	2,815	$407.1k0.23%	0.23%	Added +2.4k	+2,434 638.9%
97	VISA INC COM CL A V	V	1,185	$406.6k0.23%	0.23%	Reduced -114	-114 -8.8%
98	ALTRIA GROUP INC COM MO	MO	5,591	$402.3k0.23%	0.23%	Added +23	+23 0.4%
99	SPDR SER TR PORTFOLIO AGRGTE SPAB	SPAB	15,629	$398.9k0.23%	0.23%	Reduced -11.3k	-11,299 -42.0%
100	VANGUARD INTL EQUITY INDEX F GLB EX US ETF VNQI	VNQI	8,764	$393.0k0.22%	0.22%	Reduced -148	-148 -1.7%

Sold out since Q1 2026

Security	Ticker	Shares held before	Value then
QORVO INC QRVO	QRVO	1,430	$110.7k1.4k shares
CHECK POINT SOFTWARE TECH LT CHKP	CHKP	495	$70.7k495 shares
ARCH CAP GROUP LTD ACGL	ACGL	725	$69.6k725 shares
GOLDMAN SACHS ETF TR JUST	JUST	701	$64.8k701 shares
MCKESSON CORP MCK	MCK	74	$64.0k74 shares
WELLS FARGO CO NEW WFC	WFC	709	$56.4k709 shares
PRIMORIS SVCS CORP PRIM	PRIM	359	$51.4k359 shares
AMERICAN FUNDS INVMT CO OF AMER F2 ICAFX	ICAFX	714	$42.4k714 shares
HONEYWELL INTL INC		90	$40.7k90 shares
PHOTRONICS INC PLAB	PLAB	969	$39.2k969 shares
NOVARTIS AG NVS	NVS	240	$36.7k240 shares
SIGNET JEWELERS LIMITED SIG	SIG	415	$35.1k415 shares
KT CORP KT	KT	1,614	$34.6k1.6k shares
AMERICAN FUNDS CAPITAL WORLD GR&INC F2 WGIFX	WGIFX	486	$34.2k486 shares
BAIDU INC BIDU	BIDU	304	$33.9k304 shares
CATALYST PHARMACEUTICALS INC CPRX	CPRX	1,358	$33.6k1.4k shares
GARMIN LTD GRMN	GRMN	144	$33.4k144 shares
HURON CONSULTING GROUP INC HURN	HURN	237	$30.2k237 shares
PIMCO Low Duration ESG Institutional PLDIX	PLDIX	3,089	$28.4k3.1k shares
PACER FDS TR COWZ	COWZ	390	$24.4k390 shares
ESSEX PPTY TR INC ESS	ESS	100	$24.2k100 shares
AMERICAN FUNDS AMERICAN BALANCED F2 AMBFX	AMBFX	586	$21.6k586 shares
AMERICAN FUNDS CAPITAL INCOME BLDR F2 CAIFX	CAIFX	274	$21.3k274 shares
AMERICAN FUNDS WASHINGTON MUTUAL F2 WMFFX	WMFFX	336	$21.1k336 shares
ACUITY INC AYI	AYI	68	$19.1k68 shares