RETIREMITTEN FINANCIAL LLC

MILFORD, MI · CIK 2127635 · 13F filing filed 2026-08-10

SEC-registered investment adviser since 2024 · limited liability company

Assets managed$213.8m
Staff5 · 4 in investment roles
Main clients (by assets)High net worth individuals 63%, Individuals 37%
Main officeClarkston, MI
Websiteretiremitten.com
Form ADV · 2026-09-16SEC adviser record

$237.1m reported value +14.6% vs Q1 2026

47positions

91.8%in top 10

0 new 29 added 10 reduced 137 sold out vs Q1 2026

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	538,570	$47.3m19.96%	19.96%	Reduced -16.0k	-15,971 -2.9%
2	SPDR SERIES TRUST PRTFLO S&P500 GW SPYG	SPYG	291,147	$34.6m14.61%	14.61%	Added +11.3k	+11,344 4.0%
3	VANGUARD WHITEHALL FDS HIGH DIV YLD VYM	VYM	205,468	$32.5m13.69%	13.69%	Added +14.3k	+14,256 7.5%
4	SPDR SER TR PORTFOLIO AGRGTE SPAB	SPAB	1,252,023	$32.0m13.48%	13.48%	Added +110.3k	+110,313 9.7%
5	SPDR INDEX SHS FDS PORTFOLIO DEVLPD SPDW	SPDW	389,769	$19.6m8.28%	8.28%	Added +97.5k	+97,526 33.4%
6	SPDR SERIES TRUST PORTFLI HIGH YLD SPHY	SPHY	642,152	$15.1m6.35%	6.35%	Added +60.1k	+60,129 10.3%
7	ISHARES TR CORE LT USDB ETF ILTB	ILTB	280,658	$13.8m5.83%	5.83%	Added +27.2k	+27,185 10.7%
8	SPDR SERIES TRUST PORTFOLIO S&P400 SPMD	SPMD	144,168	$9.7m4.11%	4.11%	Added +7.5k	+7,538 5.5%
9	VANGUARD BD INDEX FDS SHORT TRM BOND BSV	BSV	103,693	$8.1m3.41%	3.41%	Added +9.6k	+9,566 10.2%
10	SPDR SER TR PORTFOLIO S&P600 SPSM	SPSM	86,282	$5.0m2.10%	2.10%	Added +1.1k	+1,081 1.3%
11	ISHARES TR CRE U S REIT ETF USRT	USRT	71,672	$4.8m2.01%	2.01%	Added +4.4k	+4,375 6.5%
12	SPDR INDEX SHS FDS PORTFOLIO EMG MK SPEM	SPEM	65,384	$3.4m1.43%	1.43%	Added +2.4k	+2,396 3.8%
13	ISHARES TR CORE S&P TTL STK ITOT	ITOT	6,092	$1.0m0.42%	0.42%	Added +1	+1 0.0%
14	CATERPILLAR INC COM CAT	CAT	834	$888.0k0.37%	0.37%	Added +5	+5 0.6%
15	VANGUARD INDEX FDS GROWTH ETF VUG	VUG	10,205	$879.1k0.37%	0.37%	Reduced -535	-535 -5.0%
16	SPDR S&P 500 ETF TR TR UNIT SPY	SPY	1,075	$803.0k0.34%	0.34%	Reduced -57	-57 -5.0%
17	ISHARES TR CORE S&P500 ETF IVV	IVV	846	$633.6k0.27%	0.27%	Reduced -43	-43 -4.8%
18	SCHWAB STRATEGIC TR US LRG CAP ETF SCHX	SCHX	19,753	$581.3k0.25%	0.25%	Reduced -2.3k	-2,280 -10.3%
19	APPLE INC COM AAPL	AAPL	1,670	$483.2k0.20%	0.20%	Added +783	+783 88.3%
20	CUMMINS INC COM CMI	CMI	609	$434.4k0.18%	0.18%	Unchanged
21	ISHARES TR RUS 1000 GRW ETF IWF	IWF	3,463	$430.0k0.18%	0.18%	Added +1.2k	+1,227 54.9%
22	VANGUARD INDEX FDS MID CAP ETF VO	VO	5,265	$424.2k0.18%	0.18%	Reduced -723	-723 -12.1%
23	INVESCO QQQ TR UNIT SER 1 QQQ	QQQ	570	$419.7k0.18%	0.18%	Added +89	+89 18.5%
24	SCHWAB STRATEGIC TR INTL EQTY ETF SCHF	SCHF	13,101	$362.9k0.15%	0.15%	Added +2.8k	+2,789 27.1%
25	VANGUARD SCOTTSDALE FDS INT-TERM CORP VCIT	VCIT	4,212	$348.1k0.15%	0.15%	Added +149	+149 3.7%
26	ISHARES TR CORE US AGGBD ET AGG	AGG	2,973	$294.3k0.12%	0.12%	Reduced -536	-536 -15.3%
27	XCEL ENERGY INC COM XEL	XEL	3,617	$290.5k0.12%	0.12%	Added +27	+27 0.8%
28	NVIDIA CORPORATION COM NVDA	NVDA	1,419	$283.9k0.12%	0.12%	Added +90	+90 6.8%
29	VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT VEA	VEA	3,903	$278.1k0.12%	0.12%	Added +230	+230 6.3%
30	ISHARES TR CORE MSCI EAFE IEFA	IEFA	2,823	$272.6k0.11%	0.11%	Added +1.3k	+1,344 90.9%
31	BERKSHIRE HATHAWAY INC DEL CL B NEW BRK.B	BRK.B	535	$267.7k0.11%	0.11%	Reduced -70	-70 -11.6%
32	ISHARES TR RUS 1000 VAL ETF IWD	IWD	1,065	$258.2k0.11%	0.11%	Added +86	+86 8.8%
33	BROADCOM INC COM AVGO	AVGO	663	$250.4k0.11%	0.11%	Added +530	+530 398.5%
34	VANGUARD INDEX FDS SM CP VAL ETF VBR	VBR	1,021	$248.1k0.10%	0.10%	Added +682	+682 201.2%
35	VANGUARD INDEX FDS TOTAL STK MKT VTI	VTI	667	$246.8k0.10%	0.10%	Reduced -469	-469 -41.3%
36	JPMORGAN CHASE & CO COM JPM	JPM	626	$204.9k0.09%	0.09%	Reduced -26	-26 -4.0%
37	ISHARES INC CORE MSCI EMKT IEMG	IEMG	2,428	$201.1k0.08%	0.08%	Added +650	+650 36.6%
38	BLACKROCK CORPOR HI YLD FD I COM HYT	HYT	15,659	$134.0k0.06%	0.06%	Added +9.7k	+9,659 161.0%
39	DNP SELECT INCOME FD INC COM DNP	DNP	12,350	$133.3k0.06%	0.06%	Added +7.3k	+7,350 147.0%
40	MFS MULTIMARKET INCOME TR SH BEN INT MMT	MMT	16,062	$70.7k0.03%	0.03%	Added +2.5k	+2,500 18.4%
41	ALLSPRING INCOME OPPORTUNIT INC OPPTY FD XEADX	XEADX	10,000	$65.0k0.03%	0.03%	Unchanged
42	JEFFERIES FINL GR VAR 30 DUE 08/06/30 BOND · principal JEF 7.5 08.06.30 · principal	JEF 7.5 08.06.30	28,000	$28.7k0.01%	0.01%	Unchanged
43	Pacific Gas & Electric Co Note M/w Clbl BOND · principal PCG 3.75 07.01.28 · principal	PCG 3.75 07.01.28	12,000	$11.8k0.00%	0.00%	Unchanged
44	FNMA PL CA3872 3.5 49 DUE 07/01/49 BOND · principal FN CA3872 · principal	FN CA3872	100,000	$9.2k0.00%	0.00%	Unchanged
45	FNMA PL CA2374 4 48 DUE 09/01/48 BOND · principal FN CA2374 · principal	FN CA2374	104,000	$6.9k0.00%	0.00%	Unchanged
46	FNMA PL BK0677 3 50 DUE 02/01/50 BOND · principal FN BK0677 · principal	FN BK0677	26,000	$4.1k0.00%	0.00%	Unchanged
47	FNMA PL AV1823 3.5 28 DUE 12/01/28 BOND · principal FN AV1823 · principal	FN AV1823	11,000	$4410.00%	0.00%	Unchanged

Sold out since Q1 2026

Security	Ticker	Shares held before	Value then
AMAZON COM INC AMZN	AMZN	1,149	$239.3k1.1k shares
ISHARES U S ETF TR MEAR	MEAR	4,753	$239.3k4.8k shares
MICROSOFT CORP MSFT	MSFT	503	$186.1k503 shares
ISHARES INC EWC	EWC	2,858	$156.6k2.9k shares
VANGUARD INDEX FDS VV	VV	506	$151.2k506 shares
SCHWAB STRATEGIC TR SCHD	SCHD	4,873	$149.5k4.9k shares
VANGUARD INDEX FDS VB	VB	541	$141.7k541 shares
ISHARES TR DVY	DVY	880	$133.2k880 shares
ISHARES TR EFA	EFA	1,221	$118.6k1.2k shares
VANGUARD INDEX FDS VNQ	VNQ	1,254	$111.2k1.3k shares
SCHWAB STRATEGIC TR SCHB	SCHB	4,380	$109.9k4.4k shares
META PLATFORMS INC META	META	185	$105.8k185 shares
ISHARES TR IWB	IWB	292	$104.1k292 shares
ISHARES TR IVW	IVW	914	$103.4k914 shares
VANGUARD WHITEHALL FDS VIGI	VIGI	1,144	$101.2k1.1k shares
SPDR GOLD TR GLD	GLD	223	$96.0k223 shares
SCHWAB STRATEGIC TR FNDF	FNDF	1,830	$89.5k1.8k shares
SCHWAB STRATEGIC TR SCHG	SCHG	2,959	$86.2k3.0k shares
SPDR DOW JONES INDL AVERAGE DIA	DIA	184	$85.2k184 shares
VANGUARD WORLD FD VGT	VGT	920	$80.2k920 shares
VANGUARD INDEX FDS VTV	VTV	404	$79.3k404 shares
ISHARES TR IXUS	IXUS	898	$77.8k898 shares
VISA INC V	V	251	$75.9k251 shares
AMERICAN CENTY ETF TR ACLC	ACLC	882	$65.0k882 shares
ALPHABET INC GOOG	GOOG	213	$61.1k213 shares