# EDGAR Filing Document

**Accession Number:** 0001672681
**File Stem:** 0001214659-25-016303
**Filing Date:** 2025-11
**Character Count:** 9915
**Document Hash:** ee2e265540064f1956a45fec5d4df9a7
**Contains OCR:** False
**Source Format:** 

## Filing Content

## Filing Summary
**0001214659-25-016303.hdr.sgml**: 20251112

**ACCESSION NUMBER**: 0001214659-25-016303

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

**PUBLIC DOCUMENT COUNT**: 2

**CONFORMED PERIOD OF REPORT**: 20250930

**FILED AS OF DATE**: 20251112

**DATE AS OF CHANGE**: 20251112

**EFFECTIVENESS DATE**: 20251112

**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:** 251471651

**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:** 09-30-2025

**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  11-11-2025<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:** 62

**Form 13F Information Table Value Total:** $260683287

      (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

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|  |  |  |  |  |  |  |  |  |  |  |  |  |
| --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- |
| 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 |
| GE VERNOVA INC | COM | 36828A101 |  | 428669 | 698 | SH |  | SOLE |  | 698 | 0 | 0 |
| ISHARES TR | CORE S ETF | 464287200 |  | 553511 | 827 | SH |  | SOLE |  | 827 | 0 | 0 |
| VANGUARD INDEX FDS | SMALL CP ETF | 922908751 |  | 230632 | 907 | SH |  | SOLE |  | 907 | 0 | 0 |
| AMAZON COM INC | COM | 023135106 |  | 220009 | 1002 | SH |  | SOLE |  | 1002 | 0 | 0 |
| VANGUARD WORLD FD | MEGA CAP INDEX | 921910873 |  | 311703 | 1277 | SH |  | SOLE |  | 1277 | 0 | 0 |
| SPDR S MIDCAP 400 ETF TR | UTSER1 S | 78467Y107 |  | 895237 | 1502 | SH |  | SOLE |  | 1502 | 0 | 0 |
| ISHARES TR | ESG MSCI LEADR | 46435U218 |  | 223671 | 1911 | SH |  | SOLE |  | 1911 | 0 | 0 |
| SELECT SECTOR SPDR TR | SBI HEALTHCARE | 81369Y209 |  | 274026 | 1969 | SH |  | SOLE |  | 1969 | 0 | 0 |
| GE AEROSPACE | COM NEW | 369604301 |  | 598933 | 1991 | SH |  | SOLE |  | 1991 | 0 | 0 |
| ISHARES TR | MBS ETF | 464288588 |  | 240159 | 2524 | SH |  | SOLE |  | 2524 | 0 | 0 |
| TESLA INC | COM | 88160R101 |  | 1406205 | 3162 | SH |  | SOLE |  | 3162 | 0 | 0 |
| ISHARES TR | CORE S TTL STK | 464287150 |  | 463750 | 3184 | SH |  | SOLE |  | 3184 | 0 | 0 |
| EATON CORP PLC | SHS | G29183103 |  | 1495503 | 3996 | SH |  | SOLE |  | 3996 | 0 | 0 |
| ISHARES TR | CYBERSECURITY | 46435U135 |  | 314765 | 6015 | SH |  | SOLE |  | 6015 | 0 | 0 |
| ISHARES TR | 1 3 YR TREAS BD | 464287457 |  | 505309 | 6091 | SH |  | SOLE |  | 6091 | 0 | 0 |
| MICROSOFT CORP | COM | 594918104 |  | 3272926 | 6319 | SH |  | SOLE |  | 6319 | 0 | 0 |
| SOLVENTUM CORP | COM SHS | 83444M101 |  | 498371 | 6827 | SH |  | SOLE |  | 6827 | 0 | 0 |
| DIMENSIONAL ETF TRUST | US CORE EQUITY 2 | 25434V708 |  | 274387 | 7114 | SH |  | SOLE |  | 7114 | 0 | 0 |
| ISHARES TR | ESG AWR MSCI USA | 46435G425 |  | 1102046 | 7569 | SH |  | SOLE |  | 7569 | 0 | 0 |
| VANGUARD SCOTTSDALE FDS | SHORT TERM TREAS | 92206C102 |  | 505110 | 8583 | SH |  | SOLE |  | 8583 | 0 | 0 |
| LPL FINL HLDGS INC | COM | 50212V100 |  | 3340540 | 10041 | SH |  | SOLE |  | 10041 | 0 | 0 |
| SPDR SERIES TRUST | BLOOMBERG 1-3 MO | 78468R663 |  | 1112561 | 12126 | SH |  | SOLE |  | 12126 | 0 | 0 |
| INTEL CORP | COM | 458140100 |  | 435848 | 12991 | SH |  | SOLE |  | 12991 | 0 | 0 |
| NVIDIA CORPORATION | COM | 67066G104 |  | 2433907 | 13139 | SH |  | SOLE |  | 13139 | 0 | 0 |
| ISHARES TR | 0-3 MNTH TREASRY | 46436E718 |  | 1348474 | 13391 | SH |  | SOLE |  | 13391 | 0 | 0 |
| CISCO SYS INC | COM | 17275R102 |  | 971564 | 14200 | SH |  | SOLE |  | 14200 | 0 | 0 |
| ISHARES TR | SHORT TREAS BD | 464288679 |  | 1633153 | 14781 | SH |  | SOLE |  | 14781 | 0 | 0 |
| ISHARES TR | ESG SELECT SCRE | 46436E569 |  | 792448 | 15381 | SH |  | SOLE |  | 15381 | 0 | 0 |
| SPDR SERIES TRUST | PORTFOLIO SH TSR | 78468R101 |  | 505154 | 17229 | SH |  | SOLE |  | 17229 | 0 | 0 |
| SPDR SERIES TRUST | PORT MTG BK ETF | 78464A383 |  | 397727 | 17724 | SH |  | SOLE |  | 17724 | 0 | 0 |
| SCHWAB STRATEGIC TR | SHT TM US TRES | 808524862 |  | 504958 | 20695 | SH |  | SOLE |  | 20695 | 0 | 0 |
| ISHARES TR | TIPS BD ETF | 464287176 |  | 2501004 | 22487 | SH |  | SOLE |  | 22487 | 0 | 0 |
| ISHARES TR | 3 7 YR TREAS BD | 464288661 |  | 2834456 | 23717 | SH |  | SOLE |  | 23717 | 0 | 0 |
| VANGUARD INDEX FDS | S 500 ETF SHS | 922908363 |  | 14743661 | 24076 | SH |  | SOLE |  | 24076 | 0 | 0 |
| J P MORGAN EXCHANGE TRADED F | ULTRA SHRT ETF | 46641Q837 |  | 1246274 | 24569 | SH |  | SOLE |  | 24569 | 0 | 0 |
| APPLE INC | COM | 037833100 |  | 6979154 | 27409 | SH |  | SOLE |  | 27409 | 0 | 0 |
| ARISTA NETWORKS INC | COM SHS | 040413205 |  | 4676271 | 32093 | SH |  | SOLE |  | 32093 | 0 | 0 |
| 3M CO | COM | 88579Y101 |  | 5035746 | 32451 | SH |  | SOLE |  | 32451 | 0 | 0 |
| ISHARES TR | 7-10 YR TRSY BD | 464287440 |  | 3408140 | 35332 | SH |  | SOLE |  | 35332 | 0 | 0 |
| VANGUARD WORLD FD | ESG US STK ETF | 921910733 |  | 4265498 | 36014 | SH |  | SOLE |  | 36014 | 0 | 0 |
| DBX ETF TR | XTRACKRS S 500 | 233051143 |  | 2313556 | 38540 | SH |  | SOLE |  | 38540 | 0 | 0 |
| RBB FD INC | US TREASRY 12 MT | 74933W478 |  | 2183063 | 43399 | SH |  | SOLE |  | 43399 | 0 | 0 |
| WISDOMTREE TR | FLOATNG RAT TREA | 97717Y527 |  | 2210452 | 43971 | SH |  | SOLE |  | 43971 | 0 | 0 |
| ISHARES TR | ULTRA SHORT DUR | 46434V878 |  | 2421971 | 47726 | SH |  | SOLE |  | 47726 | 0 | 0 |
| ISHARES TR | ESG AWR US AGRGT | 46435U549 |  | 2687279 | 55950 | SH |  | SOLE |  | 55950 | 0 | 0 |
| SPDR SERIES TRUST | BLOOMBERG 3-12 M | 78468R523 |  | 5718618 | 57462 | SH |  | SOLE |  | 57462 | 0 | 0 |
| GOLDMAN SACHS ETF TR | ACCES TREASURY | 381430529 |  | 5950054 | 59364 | SH |  | SOLE |  | 59364 | 0 | 0 |
| ISHARES TR | ESG ADV TTL USD | 46436E619 |  | 2646751 | 60263 | SH |  | SOLE |  | 60263 | 0 | 0 |
| ISHARES TR | TRS FLT RT BD | 46434V860 |  | 4035390 | 79767 | SH |  | SOLE |  | 79767 | 0 | 0 |
| RBB FD INC | US TRSRY 6 MNTH | 74933W460 |  | 4129873 | 82279 | SH |  | SOLE |  | 82279 | 0 | 0 |
| VANGUARD INDEX FDS | TOTAL STK MKT | 922908769 |  | 28967487 | 88270 | SH |  | SOLE |  | 88270 | 0 | 0 |
| GOLDMAN SACHS ETF TR | ULTRA SHORT BOND | 381430230 |  | 4631948 | 91362 | SH |  | SOLE |  | 91362 | 0 | 0 |
| RBB FD INC | US TREAS 3 MNTH | 74933W452 |  | 5273993 | 105492 | SH |  | SOLE |  | 105492 | 0 | 0 |
| NUSHARES ETF TR | NUVEEN ESG US | 67092P870 |  | 2412700 | 107446 | SH |  | SOLE |  | 107446 | 0 | 0 |
| VANGUARD BD INDEX FDS | TOTAL BND MRKT | 921937835 |  | 8493616 | 114212 | SH |  | SOLE |  | 114212 | 0 | 0 |
| INVESCO ACTIVELY MANAGED EXC | ULTRA SHRT DUR | 46090A887 |  | 5929734 | 118042 | SH |  | SOLE |  | 118042 | 0 | 0 |
| SPDR SERIES TRUST | PORTFOLI S | 78464A805 |  | 10862910 | 134692 | SH |  | SOLE |  | 134692 | 0 | 0 |
| SPDR SERIES TRUST | S 500 ESG ETF | 78468R531 |  | 10704870 | 168342 | SH |  | SOLE |  | 168342 | 0 | 0 |
| ISHARES TR | CORE US AGGBD ET | 464287226 |  | 17415842 | 173727 | SH |  | SOLE |  | 173727 | 0 | 0 |
| ISHARES TR | CORE TOTAL USD | 46434V613 |  | 8741029 | 187134 | SH |  | SOLE |  | 187134 | 0 | 0 |
| VANGUARD BD INDEX FDS | INTERMED TERM | 921937819 |  | 17806270 | 228024 | SH |  | SOLE |  | 228024 | 0 | 0 |
| VANGUARD INTL EQUITY INDEX F | TT WRLD ST ETF | 922042742 |  | 32164421 | 233462 | SH |  | SOLE |  | 233462 | 0 | 0 |

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