Retirement Income Solutions, Inc.
In its 13F for Q1 2024 (holdings as of March 31, 2024, filed May 3, 2024), Retirement Income Solutions, Inc. reported 156 stock positions worth $441.0 million. Its top holding was iShares Core S&P 500 ETF (IVV) at 25.9% of the portfolio, followed by SS SPDR S&P 500 ETF Trust-US (SPY, 9.7%) and iShares Core S&P Midcap ETF (IJH, 9.7%). Compared with Q4 2023, it opened 15 new positions, sold out of 2, added to 27 and reduced 51. The biggest buy was iShares Core S&P 500 ETF (IVV, shares +2%) and the biggest sale iShares 3-7 Year Treasury Bo (IEI, shares −18%).
- Most Recent 13F
- Q2 2026
- Location
- ANN ARBOR, MI
- CIK
- 0001730386
- Portfolio Value
- $441.0M (Q1 2024)
- SEC Filing
- 0000950123-24-003754 ↗ filed May 3, 2024
Holdings Value
Holdings 156 stocks · $441.0M
| IVV iShares Core S&P 500 ETF | 25.88% | 217,105 | $114.1M | Add +1.8% |
| SPY SS SPDR S&P 500 ETF Trust-US | 9.72% | 81,931 | $42.9M | Reduce -1.6% |
| IJH iShares Core S&P Midcap ETF | 9.66% | 701,669 | $42.6M | Add +2.6% |
| SPYM Ste STR SPDR PT S&P 500 ETF | 5.83% | 418,107 | $25.7M | Add +3.5% |
| IWF iShares Russell 1000 Growth | 4.28% | 56,022 | $18.9M | Reduce -0.2% |
| SPMD SS SPDR P S&P 400 Midcap ETF | 3.04% | 251,100 | $13.4M | Add +2.1% |
| SPYX SS SPDR S&P 500 Foss FL ETF | 2.80% | 288,665 | $12.4M | Reduce -1.9% |
| IWD iShares Russell 1000 Value E | 2.46% | 60,507 | $10.8M | Reduce -4.2% |
| RSP Invesco S&P 500 Equal Weight | 1.69% | 43,965 | $7.4M | Reduce -11.1% |
| QQQ Invesco QQQ Trust Series 1 | 1.63% | 16,217 | $7.2M | Add +1.6% |
| MDY State Street SPDR S&P Midcap | 1.44% | 11,377 | $6.3M | Reduce -0.4% |
| IWB iShares Russell 1000 ETF | 1.41% | 21,520 | $6.2M | Reduce -0.3% |
| GLDM SPDR Gold Minishares Trust | 1.38% | 138,064 | $6.1M | Reduce -1.0% |
| VO Vngrd Mrngstr MD-Cap ETF-Usd | 1.24% | 21,956 | $5.5M | Reduce -2.2% |
| IEI iShares 3-7 Year Treasury Bo | 1.23% | 46,706 | $5.4M | Reduce -18.2% |
| SPYV SS SPDR P S&P 500 Value ETF | 1.05% | 92,450 | $4.6M | Reduce -3.3% |
| ACWI iShares MSCI Acwi ETF | 1.03% | 41,285 | $4.5M | Add +5.6% |
| SPYG SS SPDR P S&P 500 Growth ETF | 0.97% | 58,471 | $4.3M | Reduce -0.5% |
| AMZN Amazon.com Inc. | 0.79% | 19,401 | $3.5M | Add +1.2% |
| AAPL Apple Inc. | 0.77% | 19,869 | $3.4M | Add +4.8% |
| IEF iShares 7-10 Year Treasury B | 0.74% | 34,653 | $3.3M | Reduce -9.6% |
| EFA iShares MSCI Eafe ETF | 0.72% | 39,524 | $3.2M | Reduce -10.8% |
| MSFT Microsoft Corp. | 0.63% | 6,562 | $2.8M | Reduce -0.1% |
| XLK SS Technology Select Sector | 0.60% | 12,688 | $2.6M | Reduce -13.4% |
| IVE iShares S&P 500 Value ETF | 0.59% | 14,018 | $2.6M | Reduce -0.3% |
| IWR iShares Russell Mid-Cap ETF | 0.55% | 28,751 | $2.4M | Reduce -0.6% |
| BRK.B Berkshire Hathaway Inc. Class B | 0.54% | 5,656 | $2.4M | No change |
| SHY iShares 1-3 Year Treasury Bo | 0.50% | 27,227 | $2.2M | Reduce -23.4% |
| IVW iShares S&P 500 Growth ETF | 0.50% | 25,858 | $2.2M | Reduce -0.3% |
| VOO Vanguard S&P 500 ETF | 0.49% | 4,496 | $2.2M | Add +8.5% |
| VUG Vanguard Mrngstar GR ETF-Sui | 0.44% | 5,681 | $2.0M | Reduce -1.2% |
| PDEC Innovator U.S. Equity Power | 0.43% | 51,272 | $1.9M | No change |
| LLY Eli Lilly & Co. | 0.42% | 2,393 | $1.9M | Add +168.0% |
| VTI VG Morningstar TS MKT ETF-US | 0.37% | 6,283 | $1.6M | Reduce -4.2% |
| ESGU iShares ESG Aware MSCI USA | 0.37% | 14,108 | $1.6M | Add +3.5% |
| POCT Innovator U.S. Equity Power | 0.36% | 42,434 | $1.6M | Reduce -3.0% |
| PNOV Innovator U.S. Equity Power | 0.33% | 41,188 | $1.5M | No change |
| EAGG iShares ESG Aware US Aggrega | 0.31% | 29,441 | $1.4M | Reduce -1.1% |
| DSI iShares ESG MSCI KLD 400 ETF | 0.31% | 13,369 | $1.3M | No change |
| PHO Invesco Water Resources ETF | 0.30% | 20,104 | $1.3M | No change |
| SCHG Schwab US Large-Cap Growth | 0.30% | 14,050 | $1.3M | No change |
| MRK Merck & Co. Inc. | 0.29% | 9,575 | $1.3M | No change |
| XLE SS Energy Select Sector | 0.27% | 12,839 | $1.2M | Add +0.8% |
| GOOGL Alphabet Inc. Class A | 0.27% | 7,924 | $1.2M | No change |
| EEM iShares MSCI Emerging Market | 0.27% | 28,757 | $1.2M | Reduce -23.3% |
| GLD SPDR Gold Shares | 0.26% | 5,480 | $1.1M | Reduce -0.5% |
| VTV Vanguard Mrngstr Val ETF-Aui | 0.25% | 6,776 | $1.1M | Reduce -0.5% |
| GOOG Alphabet Inc. Class C | 0.24% | 6,900 | $1.1M | Add +5.2% |
| EFIV SS SPDR S&P 500 ESG ETF | 0.22% | 19,347 | $980K | Reduce -5.0% |
| BKLC BNY Mellon US LRG Cap Cor | 0.22% | 9,533 | $951K | Reduce -0.6% |
| IWS iShares Russell Mid-Cap Valu | 0.21% | 7,548 | $946K | Reduce -2.7% |
| SMH Vaneck Semiconductor ETF | 0.21% | 4,174 | $939K | Add +33.8% |
| SPEM State Street SP PTF Em ETF | 0.21% | 25,926 | $938K | Reduce -7.0% |
| NVDA Nvidia Corp. | 0.21% | 1,008 | $911K | Reduce -2.5% |
| PG The Procter & Gamble Co. | 0.21% | 5,596 | $908K | Add +1.4% |
| JPM JPMorgan Chase & Co. | 0.21% | 4,526 | $907K | No change |
| LMBS First Trust Low Duration Opp | 0.19% | 17,744 | $856K | Reduce -1.0% |
| VV Vngrd Mrgstr LRG-Cap ETF-Usd | 0.18% | 3,296 | $790K | No change |
| SCHX Schwab US Large-Cap ETF | 0.17% | 12,186 | $756K | No change |
| PJAN Innovator U.S. Equity Power | 0.17% | 19,039 | $745K | Reduce -22.1% |
| JNJ Johnson & Johnson | 0.17% | 4,644 | $735K | Reduce -5.0% |
| KO The Coca-Cola Co. | 0.16% | 11,879 | $727K | Add +0.8% |
| XOM Exxon Mobil Corp. | 0.16% | 6,082 | $707K | No change |
| SUSA iShares ESG Optimized MSCI U | 0.16% | 6,428 | $702K | No change |
| XME SS SPDR S&P Metals Mining | 0.16% | 11,572 | $698K | Reduce -20.5% |
| VONE Vanguard Russell 1000 | 0.16% | 2,870 | $684K | Reduce -1.9% |
| IWP iShares Russell Mid-Cap Grow | 0.15% | 5,906 | $674K | No change |
| DBEF Xtrackers MSCI Eafe Hedged E | 0.15% | 16,253 | $665K | No change |
| ECL Ecolab Inc. | 0.14% | 2,751 | $635K | No change |
| PEP Pepsico Inc. | 0.13% | 3,379 | $591K | Add +0.0% |
| DIS The Walt Disney Co. filed as DISNEY WALT CO | 0.13% | 4,799 | $587K | Add +1.4% |
| URTH iShares MSCI World ETF | 0.13% | 3,985 | $577K | No change |
| BJUN Innovator U.S. Equity Buffer | 0.13% | 15,080 | $567K | Reduce -0.7% |
| VYM Vanguard High DVD Yield ETF | 0.13% | 4,577 | $554K | Add +6.2% |
| ORCL Oracle Corp. | 0.12% | 4,301 | $540K | No change |
| NUMV Nuveen ESG Mid-Cap Value ETF | 0.12% | 15,451 | $528K | No change |
| VOT Vngrd Mrngstr MC GRW ETF-Usd | 0.11% | 2,144 | $506K | New |
| CL Colgate-Palmolive Co. | 0.11% | 5,416 | $488K | Reduce -18.1% |
| DFAC Dimensional US Core Equity 2 | 0.11% | 15,161 | $484K | No change |
| SUSC iShares ESG Aware Usd Corpor | 0.11% | 20,818 | $479K | No change |
| MCD McDonald's Corp. | 0.11% | 1,664 | $469K | No change |
| IUSG iShares Core S&P U.S. Growth | 0.11% | 4,000 | $469K | No change |
| ETN Eaton Corp. PLC | 0.10% | 1,473 | $461K | No change |
| PAPR Innovator U.S. Equity Power | 0.10% | 13,545 | $455K | No change |
| CRM Salesforce Inc. | 0.10% | 1,510 | $455K | No change |
| LRCX Lam Research Corp. | 0.10% | 467 | $454K | Reduce -15.4% |
| AMGN Amgen Inc. | 0.10% | 1,571 | $447K | No change |
| PMAY Innovator U.S. Equity Power | 0.10% | 13,244 | $430K | No change |
| IBM Intl Business Machines Corp. filed as INTERNATIONAL BUSINESS MACHS | 0.10% | 2,201 | $420K | Reduce -6.4% |
| PJUL Innovator U.S. Equity Power | 0.09% | 10,869 | $413K | No change |
| XLV SS Health Care Select Sector | 0.09% | 2,773 | $410K | New |
| CMCSA Comcast Corp. Class A | 0.09% | 8,734 | $379K | Reduce -19.6% |
| MGV Vngrd Mrgstr MG CP VL ETF-Ui | 0.08% | 3,120 | $373K | No change |
| HON Honeywell International Inc. | 0.08% | 1,810 | $372K | Reduce -5.3% |
| CFBK CF Bankshares Inc. | 0.08% | 18,426 | $368K | No change |
| EMXC iShares MSCI Emr MRK Ex Chna | 0.08% | 6,184 | $356K | No change |
| VXF Vanguard Extended Market ETF | 0.08% | 2,009 | $352K | No change |
| HD Home Depot Inc. | 0.08% | 910 | $349K | No change |
| IWM iShares Russell 2000 ETF | 0.08% | 1,658 | $349K | Add +9.9% |
| DFAX Dimensional World Ex US Core | 0.08% | 13,691 | $348K | No change |
Portfolio Sells Q4 2023 → Q1 2024
| IEI iShares 3-7 Year Treasury Bo | Reduce -18.2% | 1.23% | −0.44 |
| RSP Invesco S&P 500 Equal Weight | Reduce -11.1% | 1.69% | −0.25 |
| SHY iShares 1-3 Year Treasury Bo | Reduce -23.4% | 0.50% | −0.22 |
| IEF iShares 7-10 Year Treasury B | Reduce -9.6% | 0.74% | −0.17 |
| IWD iShares Russell 1000 Value E | Reduce -4.2% | 2.46% | −0.14 |
| SPY SS SPDR S&P 500 ETF Trust-US | Reduce -1.6% | 9.72% | −0.12 |
| EFA iShares MSCI Eafe ETF | Reduce -10.8% | 0.72% | −0.11 |
| EEM iShares MSCI Emerging Market | Reduce -23.3% | 0.27% | −0.11 |
| XLK SS Technology Select Sector | Reduce -13.4% | 0.60% | −0.10 |
| EEMA iShares MSCI Emerg MRKT Asia | Sold out | 0.00% | −0.07 |
| VBR Vngrd Mrngst SL-CP Val ETF-U | Sold out | 0.00% | −0.06 |
| XME SS SPDR S&P Metals Mining | Reduce -20.5% | 0.16% | −0.06 |
| SPYV SS SPDR P S&P 500 Value ETF | Reduce -3.3% | 1.05% | −0.06 |
| PJAN Innovator U.S. Equity Power | Reduce -22.1% | 0.17% | −0.06 |
| VO Vngrd Mrngstr MD-Cap ETF-Usd | Reduce -2.2% | 1.24% | −0.05 |
| GLDM SPDR Gold Minishares Trust | Reduce -1.0% | 1.38% | −0.04 |
| EAGG iShares ESG Aware US Aggrega | Reduce -1.1% | 0.31% | −0.04 |
| SPYX SS SPDR S&P 500 Foss FL ETF | Reduce -1.9% | 2.80% | −0.04 |
| SPEM State Street SP PTF Em ETF | Reduce -7.0% | 0.21% | −0.03 |
| CMCSA Comcast Corp. Class A | Reduce -19.6% | 0.09% | −0.03 |
| POCT Innovator U.S. Equity Power | Reduce -3.0% | 0.36% | −0.03 |
| JNJ Johnson & Johnson | Reduce -5.0% | 0.17% | −0.02 |
| PBW Invesco Wilderhill Clean Ene | Reduce -0.4% | 0.06% | −0.02 |
| LMBS First Trust Low Duration Opp | Reduce -1.0% | 0.19% | −0.02 |
| CL Colgate-Palmolive Co. | Reduce -18.1% | 0.11% | −0.02 |
| INTC Intel Corp. | Reduce -8.2% | 0.05% | −0.02 |
| VTI VG Morningstar TS MKT ETF-US | Reduce -4.2% | 0.37% | −0.02 |
| HON Honeywell International Inc. | Reduce -5.3% | 0.08% | −0.02 |
| IVE iShares S&P 500 Value ETF | Reduce -0.3% | 0.59% | −0.01 |
| EFIV SS SPDR S&P 500 ESG ETF | Reduce -5.0% | 0.22% | −0.01 |
| IWR iShares Russell Mid-Cap ETF | Reduce -0.6% | 0.55% | −0.01 |
| IWS iShares Russell Mid-Cap Valu | Reduce -2.7% | 0.21% | −0.01 |
| DTE DTE Energy Company | Reduce -1.3% | 0.07% | −0.01 |
| BJUN Innovator U.S. Equity Buffer | Reduce -0.7% | 0.13% | −0.01 |
| GLD SPDR Gold Shares | Reduce -0.5% | 0.26% | −0.01 |
| NUMG Nuveen ESG Mid-Cap Grow ETF | Reduce -6.9% | 0.05% | −0.01 |
| MDY State Street SPDR S&P Midcap | Reduce -0.4% | 1.44% | −0.00 |
| LRCX Lam Research Corp. | Reduce -15.4% | 0.10% | −0.00 |
| VTV Vanguard Mrngstr Val ETF-Aui | Reduce -0.5% | 0.25% | −0.00 |
| TMO Thermo Fisher Scientific Inc. | Reduce -4.6% | 0.06% | −0.00 |
| VONE Vanguard Russell 1000 | Reduce -1.9% | 0.16% | −0.00 |
| IWB iShares Russell 1000 ETF | Reduce -0.3% | 1.41% | −0.00 |
| COST Costco Wholesale Corp. | Reduce -3.9% | 0.06% | −0.00 |
| ZOMDF Zomedica Corp. | Reduce -50.5% | 0.00% | −0.00 |
| VUG Vanguard Mrngstar GR ETF-Sui | Reduce -1.2% | 0.44% | −0.00 |
| IBM Intl Business Machines Corp. | Reduce -6.4% | 0.10% | −0.00 |
| BKLC BNY Mellon US LRG Cap Cor | Reduce -0.6% | 0.22% | +0.00 |
| MDYG SS SPDR S&P 400 MC GR ETF | Reduce -4.4% | 0.07% | +0.00 |
| IVW iShares S&P 500 Growth ETF | Reduce -0.3% | 0.50% | +0.01 |
| MSFT Microsoft Corp. | Reduce -0.1% | 0.63% | +0.01 |
Portfolio Buys Q4 2023 → Q1 2024
| IVV iShares Core S&P 500 ETF | Add +1.8% | 25.88% | +0.55 |
| LLY Eli Lilly & Co. | Add +168.0% | 0.42% | +0.29 |
| IJH iShares Core S&P Midcap ETF | Add +2.6% | 9.66% | +0.24 |
| SPYM Ste STR SPDR PT S&P 500 ETF | Add +3.5% | 5.83% | +0.22 |
| VOT Vngrd Mrngstr MC GRW ETF-Usd | New | 0.11% | +0.11 |
| XLV SS Health Care Select Sector | New | 0.09% | +0.09 |
| SMH Vaneck Semiconductor ETF | Add +33.8% | 0.21% | +0.08 |
| AMZN Amazon.com Inc. | Add +1.2% | 0.79% | +0.07 |
| IWN iShares Russell 2000 Value E | New | 0.07% | +0.07 |
| SPMD SS SPDR P S&P 400 Midcap ETF | Add +2.1% | 3.04% | +0.06 |
| VEU Vanguard Ftse All-World Ex-U | New | 0.06% | +0.06 |
| EDIV State Street SPDR S&P Emergi | New | 0.06% | +0.06 |
| TT Trane Technologies PLC | New | 0.05% | +0.05 |
| ABBV Abbvie Inc. | New | 0.05% | +0.05 |
| OC Owens Corning | New | 0.05% | +0.05 |
| PRF Invesco Rafi US 1000 ETF | New | 0.05% | +0.05 |
| CAT Caterpillar Inc. | New | 0.05% | +0.05 |
| SYK Stryker Corp. | New | 0.05% | +0.05 |
| WMT Walmart Inc. | New | 0.05% | +0.05 |
| EZM Wisdomtree US Midcap Fund | New | 0.05% | +0.05 |
| ACWI iShares MSCI Acwi ETF | Add +5.6% | 1.03% | +0.04 |
| VOO Vanguard S&P 500 ETF | Add +8.5% | 0.49% | +0.04 |
| F Ford Motor Co. | New | 0.03% | +0.03 |
| DIS The Walt Disney Co. | Add +1.4% | 0.13% | +0.03 |
| XJQCX Nuveen Credit Strategies Inc. | New | 0.02% | +0.02 |
| MGK Vngrd Mrgstr MG CP GR ETF-Ui | Add +23.0% | 0.08% | +0.02 |
| ESGU iShares ESG Aware MSCI USA | Add +3.5% | 0.37% | +0.01 |
| XLE SS Energy Select Sector | Add +0.8% | 0.27% | +0.01 |
| GOOG Alphabet Inc. Class C | Add +5.2% | 0.24% | +0.01 |
| QQQ Invesco QQQ Trust Series 1 | Add +1.6% | 1.63% | +0.01 |
| VYM Vanguard High DVD Yield ETF | Add +6.2% | 0.13% | +0.01 |
| CRBN Ish Low Car Opt Ms Ac ETF-US | Add +11.5% | 0.06% | +0.01 |
| PG The Procter & Gamble Co. | Add +1.4% | 0.21% | +0.01 |
| IWM iShares Russell 2000 ETF | Add +9.9% | 0.08% | +0.00 |
| VEA Vanguard Ftse Developed ETF | Add +10.6% | 0.07% | +0.00 |
| COP Conocophillips | Add +3.4% | 0.05% | +0.00 |
| VWO Vanguard Ftse Emerging Marke | Add +3.6% | 0.05% | −0.00 |
| IBB iShares Biotechnology ETF | Add +2.0% | 0.06% | −0.00 |
| KO The Coca-Cola Co. | Add +0.8% | 0.16% | −0.01 |
| PEP Pepsico Inc. | Add +0.0% | 0.13% | −0.01 |
| BA The Boeing Co. | Add +4.8% | 0.05% | −0.02 |
| AAPL Apple Inc. | Add +4.8% | 0.77% | −0.13 |
All Filings
| Quarter | Positions | 13F Reported Value | Top Holdings |
|---|---|---|---|
| Q2 2026 | 172 | $580.8M | SPYM, SPY, SPMD, JPST, IVV |
| Q1 2026 | 173 | $585.1M | SPYM, SPY, SPMD, JPST, IVV |
| Q4 2025 | 170 | $589.6M | SPYM, SPY, SPMD, IVV, JPST |
| Q3 2025 | 165 | $584.8M | SPYM, JPST, SPY, MINT, IVV |
| Q2 2025 | 158 | $545.0M | SPYM, JPST, SPY, MINT, IVV |
| Q1 2025 | 146 | $477.9M | IVV, SPYM, IJH, SPY, SPMD |
| Q4 2024 | 149 | $495.6M | IVV, IJH, SPY, SPYM, IWF |
| Q3 2024 | 146 | $437.7M | IVV, SPY, IJH, SPYM, IWF |
| Q2 2024 | 141 | $413.9M | IVV, SPY, IJH, SPYM, IWF |
| Q1 2024 | 156 | $441.0M | IVV, SPY, IJH, SPYM, IWF |