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

0$200.0M$400.0M$600.0M Q1 2024: $441.0M $441.0M Q1 2024 Q2 2024: $413.9M Q2 2024 Q3 2024: $437.7M Q3 2024 Q4 2024: $495.6M Q4 2024 Q1 2025: $477.9M Q1 2025 Q2 2025: $545.0M Q2 2025 Q3 2025: $584.8M Q3 2025 Q4 2025: $589.6M Q4 2025 Q1 2026: $585.1M Q1 2026 Q2 2026: $580.8M Q2 2026

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
MGK Vngrd Mrgstr MG CP GR ETF-Ui 0.08% 1,205 $345K Add +23.0%
PAUG Innovator U.S. Equity Power 0.08% 9,432 $334K No change
LNT Alliant Energy Corp. 0.07% 6,502 $328K No change
AVDE Avantis International Equity 0.07% 5,069 $323K No change
PSEP Innovator U.S. Equity Power 0.07% 8,825 $322K No change
MDYG SS SPDR S&P 400 MC GR ETF 0.07% 3,525 $308K Reduce -4.4%
DTE DTE Energy Company 0.07% 2,727 $306K Reduce -1.3%
VEA Vanguard Ftse Developed ETF 0.07% 6,070 $305K Add +10.6%
IWN iShares Russell 2000 Value E 0.07% 1,909 $303K New
CMG Chipotle Mexican Grill Inc. 0.07% 102 $296K No change
BJAN Innovator U.S. Equity Buffer 0.07% 6,757 $294K No change
IBB iShares Biotechnology ETF 0.06% 2,087 $286K Add +2.0%
SO The Southern Co. 0.06% 3,873 $278K No change
IWV iShares Russell 3000 ETF 0.06% 924 $277K No change
V Visa Inc. Class A 0.06% 993 $277K No change
PJUN Innovator U.S. Equity Power 0.06% 7,938 $274K No change
COST Costco Wholesale Corp. 0.06% 367 $269K Reduce -3.9%
IRM Iron Mountain Inc. filed as IRON MTN INC DEL 0.06% 3,350 $269K No change
XSW SS SPDR S&P Soft & Serv ETF 0.06% 1,704 $266K No change
VIG Vanguard Dividend Apprec ETF 0.06% 1,446 $264K No change
NVO Novo-Nordisk A/S-Spons ADR 0.06% 2,000 $257K No change
VEU Vanguard Ftse All-World Ex-U 0.06% 4,375 $257K New
PBW Invesco Wilderhill Clean Ene 0.06% 10,840 $250K Reduce -0.4%
GAMR Amplify Video Game LDRS ETF 0.06% 4,286 $250K No change
IEFA iShares Core MSCI Eafe ETF 0.06% 3,361 $249K No change
EDIV State Street SPDR S&P Emergi 0.06% 7,362 $247K New
CRBN Ish Low Car Opt Ms Ac ETF-US 0.06% 1,365 $245K Add +11.5%
TMO Thermo Fisher Scientific Inc. 0.06% 419 $244K Reduce -4.6%
CINF Cincinnati Financial Corp. 0.05% 1,950 $242K No change
INTC Intel Corp. 0.05% 5,421 $239K Reduce -8.2%
BNOV Innovator U.S. Equity Buffer 0.05% 6,459 $236K No change
XTN SS SPDR S&P Transport ETF 0.05% 2,777 $235K No change
COP Conocophillips 0.05% 1,805 $230K Add +3.4%
XLF SS Financial Select Sector 0.05% 5,437 $229K No change
VWO Vanguard Ftse Emerging Marke 0.05% 5,425 $227K Add +3.6%
SCHA Schwab US Small-Cap ETF 0.05% 4,598 $226K No change
TT Trane Technologies PLC 0.05% 748 $225K New
VB Vanguard Most SM-Cap ETF-Usd 0.05% 961 $220K No change
BJUL Innovator U.S. Equity Buffer 0.05% 5,368 $216K No change
ABBV Abbvie Inc. 0.05% 1,186 $216K New
OC Owens Corning 0.05% 1,283 $214K New
NUMG Nuveen ESG Mid-Cap Grow ETF 0.05% 4,787 $213K Reduce -6.9%
BA The Boeing Co. 0.05% 1,100 $212K Add +4.8%
SUN Sunoco LP 0.05% 3,500 $211K No change
PRF Invesco Rafi US 1000 ETF 0.05% 5,465 $210K New
SUSB iShares ESG Aware 1-5 Year U 0.05% 8,586 $210K No change
CAT Caterpillar Inc. 0.05% 566 $207K New
ESGE iShares Inc. iShares ESG Awar 0.05% 6,414 $207K No change
SYK Stryker Corp. 0.05% 569 $204K New
WMT Walmart Inc. 0.05% 3,374 $203K New
EZM Wisdomtree US Midcap Fund 0.05% 3,291 $201K New
BSCU Invesco Bulletshares 2030 CB 0.04% 11,941 $196K No change
F Ford Motor Co. filed as FORD MTR CO DEL 0.03% 10,022 $133K New
XJQCX Nuveen Credit Strategies Inc. 0.02% 15,250 $85K New
SLI Standard Lithium Ltd. 0.02% 62,650 $75K No change
ZOMDF Zomedica Corp. 0.00% 20,353 $3K Reduce -50.5%

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

QuarterPositions13F Reported ValueTop Holdings
Q2 2026 172$580.8MSPYM, SPY, SPMD, JPST, IVV
Q1 2026 173$585.1MSPYM, SPY, SPMD, JPST, IVV
Q4 2025 170$589.6MSPYM, SPY, SPMD, IVV, JPST
Q3 2025 165$584.8MSPYM, JPST, SPY, MINT, IVV
Q2 2025 158$545.0MSPYM, JPST, SPY, MINT, IVV
Q1 2025 146$477.9MIVV, SPYM, IJH, SPY, SPMD
Q4 2024 149$495.6MIVV, IJH, SPY, SPYM, IWF
Q3 2024 146$437.7MIVV, SPY, IJH, SPYM, IWF
Q2 2024 141$413.9MIVV, SPY, IJH, SPYM, IWF
Q1 2024 156$441.0MIVV, SPY, IJH, SPYM, IWF