# EDGAR Filing Document

**Accession Number:** 0001962532
**File Stem:** 0001962532-26-000002
**Filing Date:** 2026-3
**Character Count:** 7900
**Document Hash:** 641273c2500af59dfac4950b4159b18e
**Contains OCR:** False
**Source Format:** 

## Filing Content

## Filing Summary
**0001962532-26-000002.hdr.sgml**: 20260310

**ACCESSION NUMBER**: 0001962532-26-000002

**CONFORMED SUBMISSION TYPE**: 13F-HR/A

**PUBLIC DOCUMENT COUNT**: 2

**CONFORMED PERIOD OF REPORT**: 20250331

**FILED AS OF DATE**: 20260310

**DATE AS OF CHANGE**: 20260310

**EFFECTIVENESS DATE**: 20260310

**FILER**: 

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** RETIREMENT FINANCIAL SOLUTIONS, LLC
- **CENTRAL INDEX KEY:** 0001962532

**ORGANIZATION NAME:**
- **EIN:** 201435302
- **STATE OF INCORPORATION:** TN
- **FISCAL YEAR END:** 1231

**FILING VALUES:**
- **FORM TYPE:** 13F-HR/A
- **SEC ACT:** 1934 Act
- **SEC FILE NUMBER:** 028-22734
- **FILM NUMBER:** 26738925

**BUSINESS ADDRESS:**
- **STREET 1:** 9725 COGDILL ROAD
- **STREET 2:** SUITE 101
- **CITY:** KNOXVILLE
- **STATE:** TN
- **ZIP:** 37932
- **BUSINESS PHONE:** 865-392-4260

**MAIL ADDRESS:**
- **STREET 1:** 9725 COGDILL ROAD
- **STREET 2:** SUITE 101
- **CITY:** KNOXVILLE
- **STATE:** TN
- **ZIP:** 37932

### FORM 13F COVER PAGE

**Report for the Calendar Year or Quarter Ended:** 03-31-2025

**Check here if Amendment** [x] **Amendment Number:** 1

**This Amendment (Check only one.):** [x] is a restatement.

[ ] adds new holdings entries.

**Institutional Investment Manager Filing this Report:**

**Name:** RETIREMENT FINANCIAL SOLUTIONS LLC<br>**Address:** 9725 COGDILL ROAD<br>SUITE 101<br>KNOXVILLE, TN 37932

**Form 13F File Number:** 028-22734

**CRD Number (if applicable):** 000285347

**SEC File Number (if applicable):** 801-123504

The institutional investment manager filing this report and the person by whom it is signed hereby represent that the person signing the report is authorized to submit it, that all information contained herein is true, correct and complete, and that it is understood that all required items, statements, schedules, lists, and tables, are considered integral parts of this form.

**Person Signing this Report on Behalf of Reporting Manager:**

**Name:** Kendra Means<br>**Title:** Consultant<br>**Phone:** 859-977-9424

**Signature, Place, and Date of Signing:**

Kendra Means  Covington, KY  03-10-2026<br>[Signature]  [City, State]  [Date]

**Report Type (Check only one.):**

[ ] **13F HOLDINGS REPORT.** (Check here if all holdings of this reporting manager are reported in this report.)

[ ] **13F NOTICE.** (Check here if no holdings are reported in this report, and all holdings are reported by other reporting manager(s).)

[x] **13F COMBINATION REPORT.** (Check here if a portion of the holdings for this reporting manager are reported in this report and a portion are reported by other reporting manager(s).)

### Form 13F Summary Page

**Report Summary:**

**Number of Other Included Managers:** 0

**Form 13F Information Table Entry Total:** 37

**Form 13F Information Table Value Total:** $256888008

      (round to nearest dollar)

**List of Other Included Managers:**

Provide a numbered list of the name(s) and Form 13F file number(s) of all institutional investment managers with respect to which this report is filed, other than the manager filing this report.

[If there are no entries in this list, state “NONE” and omit the column headings and list entries.]

|   No. | Name                     | Form 13F File Number   |   CRD Number | SEC File Number   |
|---:|:---|:---|---:|:---|
|     1 | AE Wealth Management LLC | 028-17779              |    000282580 | 801-107319        |

### FORM 13F INFORMATION TABLE

---

|  |  |  |  |  |  |  |  |  |  |  |  |  |
| --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- |
| NAME OF ISSUER | TITLE OF CLASS | CUSIP | FIGI | VALUE (x$1000) | SHRS OR PRN AMT | SH/PRN | PUT/CALL | INVESTMENT DISCRETION | OTHER MANAGER | VOTING AUTHORITY | VOTING AUTHORITY | VOTING AUTHORITY |
| NAME OF ISSUER | TITLE OF CLASS | CUSIP | FIGI | VALUE (x$1000) | SHRS OR PRN AMT | SH/PRN | PUT/CALL | INVESTMENT DISCRETION | OTHER MANAGER | SOLE | SHARED | NONE |
| ALPS ETF TR | ALERIAN MLP | 00162Q452 |  | 681144 | 13114 | SH |  | SOLE | 0 | 0 | 0 | 13114 |
| GLOBAL X FDS | NASDAQ 100 COVER | 37954Y483 |  | 583972 | 35116 | SH |  | SOLE | 0 | 0 | 0 | 35116 |
| INVESCO QQQ TR | UNIT SER 1 | 46090E103 |  | 8822921 | 18815 | SH |  | SOLE | 0 | 0 | 0 | 18815 |
| INVESCO EXCHANGE TRADED FD T | S EQL WGT | 46137V357 |  | 6236381 | 36001 | SH |  | SOLE | 0 | 0 | 0 | 36001 |
| INVESCO EXCH TRADED FD TR II | S HDL VOL | 46138E362 |  | 7870349 | 156686 | SH |  | SOLE | 0 | 0 | 0 | 156686 |
| INVESCO EXCH TRADED FD TR II | NASDAQ 100 ETF | 46138G649 |  | 14811565 | 76736 | SH |  | SOLE | 0 | 0 | 0 | 76736 |
| INVESCO EXCH TRADED FD TR II | S 500 REVENUE | 46138G698 |  | 3201105 | 32224 | SH |  | SOLE | 0 | 0 | 0 | 32224 |
| INVESCO DB US DLR INDEX TR | BULLISH FD | 46141D203 |  | 1201500 | 42099 | SH |  | SOLE | 0 | 0 | 0 | 42099 |
| ISHARES TR | 0-5YR HI YL CP | 46434V407 |  | 11012006 | 258984 | SH |  | SOLE | 0 | 0 | 0 | 258984 |
| J P MORGAN EXCHANGE TRADED F | EQUITY PREMIUM | 46641Q332 |  | 8826711 | 154475 | SH |  | SOLE | 0 | 0 | 0 | 154475 |
| LITMAN GREGORY FDS TR | IMGP DBI MANAGED | 53700T827 |  | 573240 | 22694 | SH |  | SOLE | 0 | 0 | 0 | 22694 |
| NVIDIA CORPORATION | COM | 67066G104 |  | 330442 | 3049 | SH |  | SOLE | 0 | 0 | 0 | 3049 |
| PACER FDS TR | US CASH COWS 100 | 69374H881 |  | 8541226 | 155976 | SH |  | SOLE | 0 | 0 | 0 | 155976 |
| SPDR GOLD TR | GOLD SHS | 78463V107 |  | 1246494 | 4326 | SH |  | SOLE | 0 | 0 | 0 | 4326 |
| SPDR SER TR | PRTFLO S GW | 78464A409 |  | 2996239 | 37281 | SH |  | SOLE | 0 | 0 | 0 | 37281 |
| SPDR SER TR | PRTFLO S VL | 78464A508 |  | 3153411 | 61747 | SH |  | SOLE | 0 | 0 | 0 | 61747 |
| SPDR SER TR | PORTFOLIO S | 78464A854 |  | 30653420 | 466141 | SH |  | SOLE | 0 | 0 | 0 | 466141 |
| SSGA ACTIVE ETF TR | BLACKSTONE SENR | 78467V608 |  | 608461 | 14794 | SH |  | SOLE | 0 | 0 | 0 | 14794 |
| SPDR DOW JONES INDL AVERAGE | UT SER 1 | 78467X109 |  | 9287256 | 22119 | SH |  | SOLE | 0 | 0 | 0 | 22119 |
| SPDR SER TR | PORTFOLIO S | 78468R853 |  | 18735284 | 459649 | SH |  | SOLE | 0 | 0 | 0 | 459649 |
| VANGUARD SCOTTSDALE FDS | VNG RUS1000IDX | 92206C730 |  | 624142 | 2459 | SH |  | SOLE | 0 | 0 | 0 | 2459 |
| WISDOMTREE TR | US LARGECAP FUND | 97717W588 |  | 3104400 | 52368 | SH |  | SOLE | 0 | 0 | 0 | 52368 |
| WISDOMTREE TR | EUROPE HEDGED EQ | 97717X701 |  | 10992322 | 231515 | SH |  | SOLE | 0 | 0 | 0 | 231515 |
| ISHARES TR | CORE S ETF | 464287200 |  | 220546 | 393 | SH |  | SOLE | 0 | 0 | 0 | 393 |
| ISHARES TR | MSCI EMG MKT ETF | 464287234 |  | 14116929 | 323042 | SH |  | SOLE | 0 | 0 | 0 | 323042 |
| ISHARES TR | 20 YR TR BD ETF | 464287432 |  | 10122064 | 111195 | SH |  | SOLE | 0 | 0 | 0 | 111195 |
| ISHARES TR | 7-10 YR TRSY BD | 464287440 |  | 17449177 | 182963 | SH |  | SOLE | 0 | 0 | 0 | 182963 |
| ISHARES TR | 1 3 YR TREAS BD | 464287457 |  | 5135299 | 62073 | SH |  | SOLE | 0 | 0 | 0 | 62073 |
| ISHARES TR | ISHS 5-10YR INVT | 464288638 |  | 5022749 | 95635 | SH |  | SOLE | 0 | 0 | 0 | 95635 |
| VANGUARD STAR FDS | VG TL INTL STK F | 921909768 |  | 994031 | 16007 | SH |  | SOLE | 0 | 0 | 0 | 16007 |
| VANGUARD WORLD FD | MEGA CAP INDEX | 921910873 |  | 6098284 | 30282 | SH |  | SOLE | 0 | 0 | 0 | 30282 |
| VANGUARD INDEX FDS | S 500 ETF SHS | 922908363 |  | 1704740 | 3317 | SH |  | SOLE | 0 | 0 | 0 | 3317 |
| VANGUARD INDEX FDS | MCAP VL IDXVIP | 922908512 |  | 847010 | 5276 | SH |  | SOLE | 0 | 0 | 0 | 5276 |
| VANGUARD INDEX FDS | REAL ESTATE ETF | 922908553 |  | 1321321 | 14594 | SH |  | SOLE | 0 | 0 | 0 | 14594 |
| VANGUARD INDEX FDS | SM CP VAL ETF | 922908611 |  | 19242699 | 103294 | SH |  | SOLE | 0 | 0 | 0 | 103294 |
| VANGUARD INDEX FDS | MID CAP ETF | 922908629 |  | 20013259 | 77385 | SH |  | SOLE | 0 | 0 | 0 | 77385 |
| VANGUARD INDEX FDS | TOTAL STK MKT | 922908769 |  | 505909 | 1841 | SH |  | SOLE | 0 | 0 | 0 | 1841 |

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