# EDGAR Filing Document

**Accession Number:** 0002112984
**File Stem:** 0002112984-26-000001
**Filing Date:** 2026-2
**Character Count:** 9269
**Document Hash:** e9a47db301b52978a7ed435487bc6a00
**Contains OCR:** False
**Source Format:** 

## Filing Content

## Filing Summary
**0002112984-26-000001.hdr.sgml**: 20260224

**ACCESSION NUMBER**: 0002112984-26-000001

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

**PUBLIC DOCUMENT COUNT**: 2

**CONFORMED PERIOD OF REPORT**: 20251231

**FILED AS OF DATE**: 20260224

**DATE AS OF CHANGE**: 20260223

**EFFECTIVENESS DATE**: 20260224

**FILER**: 

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** Clear Retirement Advice LLC
- **CENTRAL INDEX KEY:** 0002112984

**ORGANIZATION NAME:**
- **EIN:** 000000000
- **STATE OF INCORPORATION:** CA
- **FISCAL YEAR END:** 1231

**FILING VALUES:**
- **FORM TYPE:** 13F-HR
- **SEC ACT:** 1934 Act
- **SEC FILE NUMBER:** 028-26687
- **FILM NUMBER:** 26666759

**BUSINESS ADDRESS:**
- **STREET 1:** 1900 SOUTH NORFOLK STREET
- **STREET 2:** SUITE 350
- **CITY:** SAN MATEO
- **STATE:** CA
- **ZIP:** 94403
- **BUSINESS PHONE:** 650-446-5440

**MAIL ADDRESS:**
- **STREET 1:** 1900 SOUTH NORFOLK STREET
- **STREET 2:** SUITE 350
- **CITY:** SAN MATEO
- **STATE:** CA
- **ZIP:** 94403

### FORM 13F COVER PAGE

**Report for the Calendar Year or Quarter Ended:** 12-31-2025

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

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

[ ] adds new holdings entries.

**Institutional Investment Manager Filing this Report:**

**Name:** Clear Retirement Advice LLC<br>**Address:** 1900 SOUTH NORFOLK STREET<br>SUITE 350<br>SAN MATEO, CA 94403

**Form 13F File Number:** 028-26687

**CRD Number (if applicable):** 000292667

**SEC File Number (if applicable):** 801-132499

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:** Rita Rhodes<br>**Title:** Consultant<br>**Phone:** 815-900-2202

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

Rita Rhodes  Rockford, IL  02-23-2026<br>[Signature]  [City, State]  [Date]

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

[x] **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).)

[ ] **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:** 53

**Form 13F Information Table Value Total:** $128552731

      (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.]

**NONE**

### 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 |
| ALPHABET INC | CAP STK CL A | 02079K305 |  | 631777 | 1897 | SH |  | SOLE | 0 | 0 | 0 | 1897 |
| ALPHABET INC | CAP STK CL C | 02079K107 |  | 617346 | 1852 | SH |  | SOLE | 0 | 0 | 0 | 1852 |
| APPLE INC | COM | 037833100 |  | 870114 | 3147 | SH |  | SOLE | 0 | 0 | 0 | 3147 |
| AUTOZONE INC | COM | 053332102 |  | 331125 | 89 | SH |  | SOLE | 0 | 0 | 0 | 89 |
| CHUBB LIMITED | COM | H1467J104 |  | 216119 | 656 | SH |  | SOLE | 0 | 0 | 0 | 656 |
| ETFS GOLD TR | PHYSCL GOLD SHS | 00326A104 |  | 5632020 | 119652 | SH |  | SOLE | 0 | 0 | 0 | 119652 |
| FASTENAL CO | COM | 311900104 |  | 274906 | 5694 | SH |  | SOLE | 0 | 0 | 0 | 5694 |
| HOME DEPOT INC | COM | 437076102 |  | 248582 | 642 | SH |  | SOLE | 0 | 0 | 0 | 642 |
| INVESCO EXCH TRADED FD TR II | SHORT TERM TREAS | 46138G888 |  | 11824005 | 111906 | SH |  | SOLE | 0 | 0 | 0 | 111906 |
| INVESCO EXCHANGE TRADED FD T | S EQL WGT | 46137V357 |  | 301613 | 1519 | SH |  | SOLE | 0 | 0 | 0 | 1519 |
| ISHARES GOLD TR | ISHARES NEW | 464285204 |  | 2566254 | 28347 | SH |  | SOLE | 0 | 0 | 0 | 28347 |
| ISHARES INC | CORE MSCI EMKT | 46434G103 |  | 1893470 | 26346 | SH |  | SOLE | 0 | 0 | 0 | 26346 |
| ISHARES TR | NATIONAL MUN ETF | 464288414 |  | 346214 | 3217 | SH |  | SOLE | 0 | 0 | 0 | 3217 |
| ISHARES TR | EAFE GRWTH ETF | 464288885 |  | 275058 | 2331 | SH |  | SOLE | 0 | 0 | 0 | 2331 |
| ISHARES TR | CORE S TTL STK | 464287150 |  | 12291805 | 82006 | SH |  | SOLE | 0 | 0 | 0 | 82006 |
| ISHARES TR | ISHS 1-5YR INVS | 464288646 |  | 7021387 | 132830 | SH |  | SOLE | 0 | 0 | 0 | 132830 |
| ISHARES TR | 1 3 YR TREAS BD | 464287457 |  | 709906 | 8581 | SH |  | SOLE | 0 | 0 | 0 | 8581 |
| ISHARES TR | RUS 2000 GRW ETF | 464287648 |  | 235713 | 710 | SH |  | SOLE | 0 | 0 | 0 | 710 |
| JOHNSON  JOHNSON | COM | 478160104 |  | 253697 | 1082 | SH |  | SOLE | 0 | 0 | 0 | 1082 |
| MASTERCARD INCORPORATED | CL A | 57636Q104 |  | 569572 | 1029 | SH |  | SOLE | 0 | 0 | 0 | 1029 |
| SCHWAB STRATEGIC TR | US BRD MKT ETF | 808524102 |  | 1894664 | 71659 | SH |  | SOLE | 0 | 0 | 0 | 71659 |
| SCHWAB STRATEGIC TR | INTL EQTY ETF | 808524805 |  | 2331106 | 90634 | SH |  | SOLE | 0 | 0 | 0 | 90634 |
| SCHWAB STRATEGIC TR | US REIT ETF | 808524847 |  | 617519 | 28536 | SH |  | SOLE | 0 | 0 | 0 | 28536 |
| SCHWAB STRATEGIC TR | US LCAP GR ETF | 808524300 |  | 888254 | 28580 | SH |  | SOLE | 0 | 0 | 0 | 28580 |
| SCHWAB STRATEGIC TR | US LCAP VA ETF | 808524409 |  | 1934730 | 61245 | SH |  | SOLE | 0 | 0 | 0 | 61245 |
| SCHWAB STRATEGIC TR | SHT TM US TRES | 808524862 |  | 14345418 | 588651 | SH |  | SOLE | 0 | 0 | 0 | 588651 |
| SELECT SECTOR SPDR TR | STATE STREET IND | 81369Y704 |  | 402640 | 2377 | SH |  | SOLE | 0 | 0 | 0 | 2377 |
| SELECT SECTOR SPDR TR | STATE STREET TEC | 81369Y803 |  | 293505 | 2125 | SH |  | SOLE | 0 | 0 | 0 | 2125 |
| SELECT SECTOR SPDR TR | STATE STREET CON | 81369Y308 |  | 260970 | 3000 | SH |  | SOLE | 0 | 0 | 0 | 3000 |
| SELECT SECTOR SPDR TR | STATE STREET HEA | 81369Y209 |  | 348883 | 2236 | SH |  | SOLE | 0 | 0 | 0 | 2236 |
| SELECT SECTOR SPDR TR | STATE STREET CON | 81369Y407 |  | 402575 | 3352 | SH |  | SOLE | 0 | 0 | 0 | 3352 |
| SELECT SECTOR SPDR TR | STATE STREET UTI | 81369Y886 |  | 286568 | 6652 | SH |  | SOLE | 0 | 0 | 0 | 6652 |
| SPDR INDEX SHS FDS | PORTFOLIO EMG MK | 78463X509 |  | 366288 | 7457 | SH |  | SOLE | 0 | 0 | 0 | 7457 |
| SPDR INDEX SHS FDS | PORTFOLIO DEVLPD | 78463X889 |  | 13271160 | 279687 | SH |  | SOLE | 0 | 0 | 0 | 279687 |
| SPDR S 500 ETF TR | TR UNIT | 78462F103 |  | 599730 | 874 | SH |  | SOLE | 0 | 0 | 0 | 874 |
| SPDR SERIES TRUST | STATE STREET SPD | 78464A508 |  | 4536811 | 77367 | SH |  | SOLE | 0 | 0 | 0 | 77367 |
| SPDR SERIES TRUST | STATE STREET SPD | 78464A300 |  | 822448 | 8321 | SH |  | SOLE | 0 | 0 | 0 | 8321 |
| SPDR SERIES TRUST | STATE STREET SPD | 78464A201 |  | 1110893 | 11214 | SH |  | SOLE | 0 | 0 | 0 | 11214 |
| SPDR SERIES TRUST | STATE STREET SPD | 78464A409 |  | 3777137 | 36322 | SH |  | SOLE | 0 | 0 | 0 | 36322 |
| TJX COS INC NEW | COM | 872540109 |  | 220596 | 1433 | SH |  | SOLE | 0 | 0 | 0 | 1433 |
| VANECK ETF TRUST | INTRMDT MUNI ETF | 92189H201 |  | 358116 | 7552 | SH |  | SOLE | 0 | 0 | 0 | 7552 |
| VANGUARD INDEX FDS | TOTAL STK MKT | 922908769 |  | 4557242 | 13473 | SH |  | SOLE | 0 | 0 | 0 | 13473 |
| VANGUARD INDEX FDS | GROWTH ETF | 922908736 |  | 497282 | 1064 | SH |  | SOLE | 0 | 0 | 0 | 1064 |
| VANGUARD INDEX FDS | SML CP GRW ETF | 922908595 |  | 5782809 | 18663 | SH |  | SOLE | 0 | 0 | 0 | 18663 |
| VANGUARD INDEX FDS | VALUE ETF | 922908744 |  | 784064 | 3851 | SH |  | SOLE | 0 | 0 | 0 | 3851 |
| VANGUARD INDEX FDS | SM CP VAL ETF | 922908611 |  | 7407040 | 32436 | SH |  | SOLE | 0 | 0 | 0 | 32436 |
| VANGUARD INTL EQUITY INDEX F | FTSE EMR MKT ETF | 922042858 |  | 5486432 | 97260 | SH |  | SOLE | 0 | 0 | 0 | 97260 |
| VANGUARD SCOTTSDALE FDS | SHRT TRM CORP BD | 92206C409 |  | 2593604 | 32538 | SH |  | SOLE | 0 | 0 | 0 | 32538 |
| VANGUARD SCOTTSDALE FDS | VNG RUS2000VAL | 92206C649 |  | 636055 | 3646 | SH |  | SOLE | 0 | 0 | 0 | 3646 |
| VANGUARD TAX-MANAGED FDS | VAN FTSE DEV MKT | 921943858 |  | 2869461 | 42956 | SH |  | SOLE | 0 | 0 | 0 | 42956 |
| VANGUARD WORLD FD | COMM SRVC ETF | 92204A884 |  | 315277 | 1635 | SH |  | SOLE | 0 | 0 | 0 | 1635 |
| VANGUARD WORLD FD | INF TECH ETF | 92204A702 |  | 811247 | 1124 | SH |  | SOLE | 0 | 0 | 0 | 1124 |
| VISA INC | COM CL A | 92826C839 |  | 631524 | 1914 | SH |  | SOLE | 0 | 0 | 0 | 1914 |

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