# EDGAR Filing Document

**Accession Number:** 0001672681
**File Stem:** 0001214659-25-011779
**Filing Date:** 2025-8
**Character Count:** 10114
**Document Hash:** e9163dc706a4f79c95831cf6df90f07d
**Contains OCR:** False
**Source Format:** 

## Filing Content

## Filing Summary
**0001214659-25-011779.hdr.sgml**: 20250811

**ACCESSION NUMBER**: 0001214659-25-011779

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

**PUBLIC DOCUMENT COUNT**: 2

**CONFORMED PERIOD OF REPORT**: 20250630

**FILED AS OF DATE**: 20250811

**DATE AS OF CHANGE**: 20250811

**EFFECTIVENESS DATE**: 20250811

**FILER**: 

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** RETIREMENT CAPITAL STRATEGIES
- **CENTRAL INDEX KEY:** 0001672681

**ORGANIZATION NAME:**
- **EIN:** 200036697
- **STATE OF INCORPORATION:** CA
- **FISCAL YEAR END:** 1231

**FILING VALUES:**
- **FORM TYPE:** 13F-HR
- **SEC ACT:** 1934 Act
- **SEC FILE NUMBER:** 028-17418
- **FILM NUMBER:** 251201424

**BUSINESS ADDRESS:**
- **STREET 1:** 1190 SARATOGA AVENUE
- **STREET 2:** STE 140
- **CITY:** SAN JOSE
- **STATE:** CA
- **ZIP:** 95129
- **BUSINESS PHONE:** (408) 551-6100

**MAIL ADDRESS:**
- **STREET 1:** 1190 SARATOGA AVENUE
- **STREET 2:** STE 140
- **CITY:** SAN JOSE
- **STATE:** CA
- **ZIP:** 95129

### FORM 13F COVER PAGE

**Report for the Calendar Year or Quarter Ended:** 06-30-2025

**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:** RETIREMENT CAPITAL STRATEGIES<br>**Address:** 1190 Saratoga Avenue<br>Ste 140<br>San Jose, CA 95129

**Form 13F File Number:** 028-17418

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:** Theresa Vasquez<br>**Title:** CCO<br>**Phone:** 4085516100

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

/s/Theresa Vasquez  San Jose, CA  08-08-2025<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:** 64

**Form 13F Information Table Value Total:** $252382936

      (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 |
| 3M CO | COM | 88579Y101 |  | 5013568 | 32932 | SH |  | SOLE |  | 32932 | 0 | 0 |
| AMAZON COM INC | COM | 023135106 |  | 218951 | 998 | SH |  | SOLE |  | 998 | 0 | 0 |
| APPLE INC | COM | 037833100 |  | 5642175 | 27500 | SH |  | SOLE |  | 27500 | 0 | 0 |
| ARISTA NETWORKS INC | COM SHS | 040413205 |  | 3283435 | 32093 | SH |  | SOLE |  | 32093 | 0 | 0 |
| CISCO SYS INC | COM | 17275R102 |  | 985196 | 14200 | SH |  | SOLE |  | 14200 | 0 | 0 |
| DBX ETF TR | XTRACKRS S 500 | 233051143 |  | 2131262 | 38540 | SH |  | SOLE |  | 38540 | 0 | 0 |
| DIMENSIONAL ETF TRUST | US CORE EQUITY 2 | 25434V708 |  | 254966 | 7114 | SH |  | SOLE |  | 7114 | 0 | 0 |
| EATON CORP PLC | SHS | G29183103 |  | 1426532 | 3996 | SH |  | SOLE |  | 3996 | 0 | 0 |
| GE AEROSPACE | COM NEW | 369604301 |  | 512463 | 1991 | SH |  | SOLE |  | 1991 | 0 | 0 |
| GE VERNOVA INC | COM | 36828A101 |  | 267221 | 505 | SH |  | SOLE |  | 505 | 0 | 0 |
| GOLDMAN SACHS ETF TR | ULTRA SHORT BOND | 381430230 |  | 4658557 | 92132 | SH |  | SOLE |  | 92132 | 0 | 0 |
| GOLDMAN SACHS ETF TR | ACCES TREASURY | 381430529 |  | 5609001 | 56006 | SH |  | SOLE |  | 56006 | 0 | 0 |
| INTEL CORP | COM | 458140100 |  | 313398 | 13991 | SH |  | SOLE |  | 13991 | 0 | 0 |
| INVESCO ACTIVELY MANAGED EXC | ULTRA SHRT DUR | 46090A887 |  | 5962097 | 118909 | SH |  | SOLE |  | 118909 | 0 | 0 |
| ISHARES TR | ESG MSCI LEADR | 46435U218 |  | 207057 | 1911 | SH |  | SOLE |  | 1911 | 0 | 0 |
| ISHARES TR | MBS ETF | 464288588 |  | 248151 | 2643 | SH |  | SOLE |  | 2643 | 0 | 0 |
| ISHARES TR | 0-5 YR TIPS ETF | 46429B747 |  | 315522 | 3066 | SH |  | SOLE |  | 3066 | 0 | 0 |
| ISHARES TR | CYBERSECURITY | 46435U135 |  | 320058 | 6015 | SH |  | SOLE |  | 6015 | 0 | 0 |
| ISHARES TR | CORE S TTL STK | 464287150 |  | 429967 | 3184 | SH |  | SOLE |  | 3184 | 0 | 0 |
| ISHARES TR | CORE S ETF | 464287200 |  | 513484 | 827 | SH |  | SOLE |  | 827 | 0 | 0 |
| ISHARES TR | ESG SELECT SCRE | 46436E569 |  | 733501 | 15381 | SH |  | SOLE |  | 15381 | 0 | 0 |
| ISHARES TR | 1 3 YR TREAS BD | 464287457 |  | 834566 | 10072 | SH |  | SOLE |  | 10072 | 0 | 0 |
| ISHARES TR | ESG AWR MSCI USA | 46435G425 |  | 1035451 | 7653 | SH |  | SOLE |  | 7653 | 0 | 0 |
| ISHARES TR | NATIONAL MUN ETF | 464288414 |  | 1166519 | 11165 | SH |  | SOLE |  | 11165 | 0 | 0 |
| ISHARES TR | 0-3 MNTH TREASRY | 46436E718 |  | 1234258 | 12258 | SH |  | SOLE |  | 12258 | 0 | 0 |
| ISHARES TR | SHORT TREAS BD | 464288679 |  | 1272480 | 11524 | SH |  | SOLE |  | 11524 | 0 | 0 |
| ISHARES TR | ULTRA SHORT DUR | 46434V878 |  | 2451829 | 48350 | SH |  | SOLE |  | 48350 | 0 | 0 |
| ISHARES TR | TIPS BD ETF | 464287176 |  | 2505281 | 22767 | SH |  | SOLE |  | 22767 | 0 | 0 |
| ISHARES TR | ESG ADV TTL USD | 46436E619 |  | 2639653 | 60612 | SH |  | SOLE |  | 60612 | 0 | 0 |
| ISHARES TR | ESG AWR US AGRGT | 46435U549 |  | 2675361 | 56276 | SH |  | SOLE |  | 56276 | 0 | 0 |
| ISHARES TR | 3 7 YR TREAS BD | 464288661 |  | 2854348 | 23968 | SH |  | SOLE |  | 23968 | 0 | 0 |
| ISHARES TR | 7-10 YR TRSY BD | 464287440 |  | 3411222 | 35619 | SH |  | SOLE |  | 35619 | 0 | 0 |
| ISHARES TR | TRS FLT RT BD | 46434V860 |  | 4093685 | 80823 | SH |  | SOLE |  | 80823 | 0 | 0 |
| ISHARES TR | CORE TOTAL USD | 46434V613 |  | 8756054 | 189402 | SH |  | SOLE |  | 189402 | 0 | 0 |
| ISHARES TR | CORE US AGGBD ET | 464287226 |  | 17421076 | 175616 | SH |  | SOLE |  | 175616 | 0 | 0 |
| J P MORGAN EXCHANGE TRADED F | ULTRA SHRT ETF | 46641Q837 |  | 1302770 | 25706 | SH |  | SOLE |  | 25706 | 0 | 0 |
| LPL FINL HLDGS INC | COM | 50212V100 |  | 3765074 | 10041 | SH |  | SOLE |  | 10041 | 0 | 0 |
| MICROSOFT CORP | COM | 594918104 |  | 3292854 | 6620 | SH |  | SOLE |  | 6620 | 0 | 0 |
| NUSHARES ETF TR | NUVEEN ESG US | 67092P870 |  | 2418015 | 108626 | SH |  | SOLE |  | 108626 | 0 | 0 |
| NVIDIA CORPORATION | COM | 67066G104 |  | 2075840 | 13139 | SH |  | SOLE |  | 13139 | 0 | 0 |
| RBB FD INC | US TREASRY 12 MT | 74933W478 |  | 2178257 | 43396 | SH |  | SOLE |  | 43396 | 0 | 0 |
| RBB FD INC | US TRSRY 6 MNTH | 74933W460 |  | 4176092 | 83272 | SH |  | SOLE |  | 83272 | 0 | 0 |
| RBB FD INC | US TREAS 3 MNTH | 74933W452 |  | 10852299 | 217068 | SH |  | SOLE |  | 217068 | 0 | 0 |
| SCHWAB STRATEGIC TR | SHT TM US TRES | 808524862 |  | 504544 | 20695 | SH |  | SOLE |  | 20695 | 0 | 0 |
| SELECT SECTOR SPDR TR | SBI HEALTHCARE | 81369Y209 |  | 265402 | 1969 | SH |  | SOLE |  | 1969 | 0 | 0 |
| SOLVENTUM CORP | COM SHS | 83444M101 |  | 517760 | 6827 | SH |  | SOLE |  | 6827 | 0 | 0 |
| SPDR S MIDCAP 400 ETF TR | UTSER1 S | 78467Y107 |  | 850853 | 1502 | SH |  | SOLE |  | 1502 | 0 | 0 |
| SPDR SERIES TRUST | PORT MTG BK ETF | 78464A383 |  | 399789 | 18090 | SH |  | SOLE |  | 18090 | 0 | 0 |
| SPDR SERIES TRUST | PORTFOLIO SH TSR | 78468R101 |  | 504637 | 17229 | SH |  | SOLE |  | 17229 | 0 | 0 |
| SPDR SERIES TRUST | BLOOMBERG 1-3 MO | 78468R663 |  | 1054331 | 11494 | SH |  | SOLE |  | 11494 | 0 | 0 |
| SPDR SERIES TRUST | BLOOMBERG 3-12 M | 78468R523 |  | 5893813 | 59276 | SH |  | SOLE |  | 59276 | 0 | 0 |
| SPDR SERIES TRUST | S 500 ESG ETF | 78468R531 |  | 10283195 | 175631 | SH |  | SOLE |  | 175631 | 0 | 0 |
| SPDR SERIES TRUST | PORTFOLI S | 78464A805 |  | 10465129 | 139740 | SH |  | SOLE |  | 139740 | 0 | 0 |
| TESLA INC | COM | 88160R101 |  | 1004441 | 3162 | SH |  | SOLE |  | 3162 | 0 | 0 |
| VANGUARD BD INDEX FDS | TOTAL BND MRKT | 921937835 |  | 7676668 | 104260 | SH |  | SOLE |  | 104260 | 0 | 0 |
| VANGUARD BD INDEX FDS | INTERMED TERM | 921937819 |  | 17616537 | 227780 | SH |  | SOLE |  | 227780 | 0 | 0 |
| VANGUARD INDEX FDS | SMALL CP ETF | 922908751 |  | 214941 | 907 | SH |  | SOLE |  | 907 | 0 | 0 |
| VANGUARD INDEX FDS | S 500 ETF SHS | 922908363 |  | 14486469 | 25503 | SH |  | SOLE |  | 25503 | 0 | 0 |
| VANGUARD INDEX FDS | TOTAL STK MKT | 922908769 |  | 22176860 | 72967 | SH |  | SOLE |  | 72967 | 0 | 0 |
| VANGUARD INTL EQUITY INDEX F | TT WRLD ST ETF | 922042742 |  | 30513873 | 237425 | SH |  | SOLE |  | 237425 | 0 | 0 |
| VANGUARD SCOTTSDALE FDS | SHORT TERM TREAS | 92206C102 |  | 504509 | 8583 | SH |  | SOLE |  | 8583 | 0 | 0 |
| VANGUARD WORLD FD | MEGA CAP INDEX | 921910873 |  | 297569 | 1323 | SH |  | SOLE |  | 1323 | 0 | 0 |
| VANGUARD WORLD FD | ESG US STK ETF | 921910733 |  | 3473724 | 31683 | SH |  | SOLE |  | 31683 | 0 | 0 |
| WISDOMTREE TR | FLOATNG RAT TREA | 97717Y527 |  | 2218346 | 44094 | SH |  | SOLE |  | 44094 | 0 | 0 |

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